Call reports 2025
UNIVERSITY BANK — 2025
What UNIVERSITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,020,226,000 | 1,103,359,000 | 1,132,724,000 | 1,110,261,000 |
| Total loans | 882,203,000 | 984,794,000 | 1,010,066,000 | 990,633,000 |
| Allowance for loan losses | 5,228,000 | 4,743,000 | 4,864,000 | 4,412,000 |
| Securities available for sale | 42,000 | 37,000 | 35,000 | 33,000 |
| Securities held to maturity | 17,171,000 | 17,715,000 | 19,507,000 | 18,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 823,429,000 | 878,949,000 | 911,474,000 | 893,703,000 |
| Interest-bearing deposits | 439,363,000 | 450,189,000 | 493,796,000 | 482,729,000 |
| Noninterest-bearing deposits | 384,066,000 | 428,760,000 | 417,678,000 | 410,974,000 |
| Equity capital | 100,054,000 | 103,896,000 | 107,022,000 | 108,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,897,000 | 30,908,000 | 48,064,000 | 65,294,000 |
| Interest expense | 5,117,000 | 10,341,000 | 15,927,000 | 21,637,000 |
| Net interest income | 9,780,000 | 20,567,000 | 32,137,000 | 43,657,000 |
| Noninterest income | 15,915,000 | 34,432,000 | 54,169,000 | 73,140,000 |
| Noninterest expense | 23,596,000 | 48,566,000 | 74,446,000 | 101,259,000 |
| Provision for loan losses | 140,000 | -350,000 | -234,000 | -691,000 |
| Pretax income | 1,941,000 | 6,724,000 | 12,017,000 | 16,144,000 |
| Income tax | 412,000 | 1,420,000 | 2,539,000 | 3,167,000 |
| Net income | 1,356,000 | 4,758,000 | 8,778,000 | 12,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,453,000 | 103,865,000 | 112,972,000 | 113,974,000 |