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University Bancorp Inc  (OTCPK:UNIB) Credit Losses Provision: $0.01 Mil (As of Dec. 2016)

University Bancorp Inc's credit losses provision for the six months ended in Dec. 2016 was $0.01 Mil. Its credit losses provision for the trailing twelve months (TTM) ended in Dec. 2016 was $0.01 Mil.

University Bancorp Inc's quarterly credit losses provision declined from Dec. 2014 ($-0.31 Mil) to Dec. 2015 ($-0.31 Mil) but then increased from Dec. 2015 ($-0.31 Mil) to Dec. 2016 ($0.01 Mil).

University Bancorp Inc's annual credit losses provision declined from Dec. 2014 ($-0.31 Mil) to Dec. 2015 ($-0.31 Mil) but then increased from Dec. 2015 ($-0.31 Mil) to Dec. 2016 ($0.01 Mil).


Historical Data

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.

* Premium members only.

University Bancorp Inc Annual Data

Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec13 Dec14 Dec15 Dec16
Credit Losses Provision Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.26 0.10 -0.31 -0.31 0.01

University Bancorp Inc Semi-Annual Data

Dec92 Dec93 Dec94 Dec95 Dec96 Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec13 Dec14 Dec15 Dec16
Credit Losses Provision Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.26 0.10 -0.31 -0.31 0.01

Calculation

For each period of operations, banks may reserve a portion of their income to cover the possible non-performing loans. The amount of the Credit Losses Provision is dependent on the management's estimate of the load quality they have. The higher Credit Losses Provision is, the lower banks' reported income in. This does not affect banks' cash flow statement.

For stock reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Losses Provision for the trailing twelve months (TTM) ended in Dec. 2016 was $0.01 Mil.

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.


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