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Profile - University Bancorp, Inc. (NasdaqSC:UNIB)
As of 31-Aug-2001
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Location
959 Maiden Lane
Ann Arbor, MI 48105
Phone: (734) 741-5858
Fax: (734) 741-5859
Email: information@university-bank.com
Employees (last reported count): 106
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Free Annual Report
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 71%
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
University Bancorp, Inc. is a bank holding company for its wholly owned subsidiary, University Bank (the Bank). The Bank's traditional retail savings products and services include demand deposit and NOW interest-bearing checking accounts, money market deposit accounts, regular savings accounts and term deposit certificates ranging in maturity from three to 300 months. University Bank offers a range of traditional lending products, including commercial small business loans, residential real estate mortgage loans, home equity loans, commercial real estate mortgage loans, consumer installment loans, and land development and construction loans.
More from Market Guide: Expanded Business Description

Financial Summary
UNIB is the bank holding company for University Bank, a state chartered community bank in Michigan. For the six months ended 6/30/01, interest income rose 12% to $1.8 million. Net interest income after LLP rose 15% to $672 thousand. Net income applicable to Common totaled $55 thousand vs. a loss of $546 thousand. Net interest income reflects higher average interest earning assets and a higher portfolio yield. Net income also reflects increased loan origination and sub-servicing fee income.
More from Market Guide: Significant Developments

Officers
FY2000 Pay

Joseph Ranzini, 72
Chairman of Directors and Sec.
--  
Stephen Lange Ranzini, 36
Pres, CEO, Director
$89K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:UNIBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 23-Feb-2001
$0.50 
Recent Price$1.70 
52-Week High
on 3-Oct-2000
$3.50 
Beta0.94 
Daily Volume (3-month avg)318 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+13.3%
52-Week Change
relative to S&P500
+52.0%
Share-Related Items
Market Capitalization$3.56M
Shares Outstanding2.09M
Float600.0K
Dividends & Splits
Annual Dividendnone 
Last Split: 3 for 2 on 25-Feb-1998
Per-Share Data
Book Value (mrq)$0.65 
Earnings (ttm)-$0.16 
Earnings (mrq)$0.02 
Sales (ttm)$1.72 
Cash (mrq)$1.10 
Valuation Ratios
Price/Book (mrq)2.62 
Price/EarningsN/A 
Price/Sales (ttm)0.99 
Income Statements
Sales (ttm)$3.50M
EBITDAN/A 
Income available to common (ttm)-$318.0K
Profitability
Profit Margin (ttm)-8.2%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)-0.63%
Return on Equity (ttm)-23.52%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0.36 
Total Cash (mrq)$2.31M
Short Interest
As of 8-May-2001
Shares Short0 
Shares Short
(Prior Month)
1,000 
Daily Volume0 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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