US Stock MarketDetailed Quotes

UNIVERSITY BANCORP (UNIB)

Watchlist

21.000
0.0000.00%

15min DelayClose Apr 2 15:42 ET

103.54MMarket Cap10.40P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

UNIVERSITY BANCORP (UNIB) Balance Sheet

Quarterly+Annual

YOY

Hide blank lines

(FY)Dec 31, 2024

(FY)Dec 31, 2023

(FY)Dec 31, 2022

(FY)Dec 31, 2021

(FY)Dec 31, 2020

(FY)Dec 31, 2019

(FY)Dec 31, 2018

(FY)Dec 31, 2017

(FY)Dec 31, 2016

(FY)Dec 31, 2015

Assets

Cash cash equivalents and federal funds sold

17.19%30.72M

-69.79%26.21M

-11.04%86.77M

-51.32%97.53M

75.39%200.36M

24.12%114.24M

-9.23%92.04M

133.47%101.4M

-28.50%43.43M

531.74%60.74M

-Cash and cash equivalents

17.54%29.53M

-70.68%25.12M

-11.60%85.67M

-51.51%96.92M

75.59%199.85M

25.53%113.82M

-9.43%90.67M

135.97%100.11M

-28.98%42.42M

593.48%59.74M

-Restricted cash and investments

9.15%1.19M

0.00%1.09M

77.14%1.09M

21.12%617.06K

21.17%509.45K

-69.33%420.44K

6.35%1.37M

28.11%1.29M

0.40%1.01M

0.18%1M

Receivables

20.69%10.91M

-13.01%9.04M

83.47%10.39M

-27.24%5.67M

147.49%7.79M

35.99%3.15M

-4.13%2.31M

-12.83%2.41M

39.70%2.77M

22.22%1.98M

-Accounts receivable

20.69%10.91M

-13.01%9.04M

83.47%10.39M

-9.38%5.67M

159.98%6.25M

32.72%2.4M

-2.70%1.81M

0.02%1.86M

29.74%1.86M

75.59%1.43M

-Other receivables

----

106.99%1.53M

47.78%741.31K

-8.96%501.65K

-39.22%551.03K

65.86%906.67K

-32.02%546.64K

Prepaid assets

6.52%7.69M

31.25%7.22M

61.66%5.5M

63.81%3.4M

30.69%2.08M

2.70%1.59M

21.49%1.55M

36.27%1.27M

-4.88%935.02K

43.82%983.01K

Net loan

4.88%832.29M

28.27%793.56M

88.42%618.67M

8.72%328.35M

50.03%302M

74.53%201.29M

-3.24%115.33M

-2.44%119.2M

24.22%122.17M

8.38%98.35M

-Gross loan

4.93%837.03M

28.19%797.73M

87.36%622.28M

8.37%332.13M

51.24%306.49M

75.22%202.65M

-3.30%115.65M

-2.44%119.6M

24.14%122.6M

8.03%98.76M

-Allowance for loans and lease losses

14.74%5.08M

24.43%4.43M

-0.34%3.56M

-10.26%3.57M

918.90%3.98M

21.08%390.71K

-20.61%322.67K

-3.85%406.44K

4.45%422.7K

-39.15%404.68K

-Unearned income

30.25%333.8K

548.11%256.27K

72.53%-57.19K

59.08%-208.18K

47.43%-508.7K

---967.64K

--0

----

Securities and investments

-12.22%29.81M

60.86%33.96M

106.06%21.11M

115.60%10.25M

-56.92%4.75M

-4.15%11.03M

927.33%11.51M

-45.08%1.12M

-16.38%2.04M

94.46%2.44M

-Available for sale securities

-35.96%10.76M

76.46%16.8M

146.55%9.52M

2,549.50%3.86M

17.07%145.77K

--124.52K

----

-Held to maturity securities

-3.02%16.59M

48.43%17.11M

89.32%11.53M

42.01%6.09M

-59.39%4.29M

-4.80%10.56M

2,155.22%11.09M

--491.73K

----

-Short term investments

5,280.55%2.45M

-25.84%45.61K

-79.08%61.51K

-7.68%293.96K

-8.35%318.41K

-16.77%347.41K

-33.57%417.43K

-69.19%628.37K

-16.38%2.04M

94.46%2.44M

Federal home loan bank stock

0.00%6.03M

41.05%6.03M

283.96%4.28M

0.00%1.11M

74.79%1.11M

0.00%637K

-26.97%637K

Derivative assets

76.23%1.74M

-37.09%986.99K

-47.42%1.57M

-63.05%2.98M

378.77%8.08M

89.03%1.69M

12.10%892.29K

-44.67%795.99K

49.87%1.44M

-9.94%959.86K

Net PPE

3.71%13.05M

4.44%12.59M

-15.15%12.05M

5.29%14.2M

-8.70%13.49M

53.25%14.77M

10.48%9.64M

62.47%8.73M

10.63%5.37M

11.84%4.85M

-Gross PPE

7.58%30.92M

8.15%28.74M

-1.29%26.57M

9.61%26.92M

2.85%24.56M

41.98%23.88M

15.85%16.82M

40.98%14.52M

16.27%10.3M

-4.69%8.86M

-Accumulated depreciation

-10.60%-17.86M

-11.22%-16.15M

-14.19%-14.52M

-14.86%-12.72M

-21.61%-11.07M

-26.84%-9.1M

-23.95%-7.18M

-17.56%-5.79M

-23.10%-4.93M

19.19%-4M

Foreclosed assets

--0

--593.48K

--0

----

--70.59K

--0

-86.93%39.45K

-15.00%301.84K

Goodwill and other intangible assets

15.12%47.59M

22.16%41.34M

-8.22%33.84M

106.01%36.87M

32.15%17.9M

3.88%13.54M

26.44%13.04M

-11.41%10.31M

16.15%11.64M

16.35%10.02M

-Goodwill

-24.57%319.07K

0.00%422.98K

18.71%422.98K

0.00%356.31K

-Other intangible assets

15.53%47.27M

22.44%40.91M

-8.32%33.42M

108.58%36.45M

32.51%17.47M

3.99%13.19M

27.39%12.68M

-11.77%9.96M

16.75%11.28M

17.05%9.66M

Other assets

69.25%177.3K

67.92%104.76K

319.99%62.39K

-88.03%14.85K

376.64%124.05K

240.33%26.03K

-39.82%7.65K

2.97%12.71K

-59.15%12.34K

-42.48%30.21K

Total assets

5.19%980.01M

17.30%931.63M

58.73%794.24M

-10.27%500.38M

54.07%557.68M

46.53%361.96M

0.46%247.02M

28.78%245.89M

4.65%190.94M

50.82%182.46M

Liabilities

Total deposits

5.99%715.45M

11.42%674.99M

67.31%605.78M

-16.85%362.07M

45.40%435.45M

49.53%299.47M

-2.36%200.28M

33.08%205.13M

1.24%154.14M

60.99%152.26M

Payables

35.97%4.16M

37.30%3.06M

-18.19%2.23M

-41.08%2.72M

18.72%4.62M

6.46%3.89M

-6.94%3.66M

45.13%3.93M

25.17%2.71M

-9.62%2.16M

-Accounts payable

19.07%3.64M

56.31%3.06M

-25.34%1.96M

50.12%2.62M

21.79%1.75M

-11.13%1.43M

14.83%1.61M

18.79%1.41M

45.09%1.18M

-18.21%815.28K

-Total tax payable

----

48.06%683.96K

2,494.09%461.96K

--17.81K

-Dividends payable

--516.95K

--0

165.63%270.97K

-89.19%102.01K

1,158.10%943.58K

--75K

--0

----

-Other payable

----

-18.95%1.93M

16.68%2.39M

11.02%2.04M

73.14%1.84M

-20.08%1.06M

-4.77%1.33M

Current accrued expenses

47.59%7.63M

-37.57%5.17M

-26.43%8.28M

-6.86%11.25M

283.54%12.08M

28.71%3.15M

-19.33%2.45M

-12.94%3.03M

0.25%3.48M

149.83%3.48M

Current debt and capital lease obligation

--0

--1M

--0

----

-Current debt

--0

--1M

--0

----

Long term provisions

-20.27%438.03K

-10.89%549.4K

-49.78%616.55K

-11.84%1.23M

212.10%1.39M

75.38%446.17K

36.35%254.41K

-9.25%186.59K

-5.49%205.62K

-56.96%217.55K

Long term debt and capital lease obligation

-3.27%135.84M

71.77%140.43M

259.89%81.76M

5.25%22.72M

145.78%21.58M

436.67%8.78M

-1.83%1.64M

-29.15%1.67M

--2.35M

----

-Long term debt

-3.08%132.06M

73.16%136.27M

323.22%78.69M

8.71%18.59M

362.99%17.1M

125.76%3.69M

-1.83%1.64M

-29.15%1.67M

--2.35M

----

-Long term capital lease obligation

-9.41%3.77M

35.98%4.17M

-25.71%3.06M

-7.96%4.12M

-11.95%4.48M

--5.09M

----

Non current deferred liabilities

-2.20%8.73M

29.11%8.93M

-30.29%6.91M

40.98%9.92M

41.67%7.04M

25.26%4.97M

21.42%3.96M

-40.80%3.27M

18.08%5.52M

17.78%4.67M

Derivative product liabilities

--0

--825.48K

--0

-89.94%142.53K

575.94%1.42M

-69.11%209.63K

1,087.09%678.68K

--57.17K

--0

-66.22%58.11K

Other liabilities

5.13%2.21M

183.26%2.1M

-83.56%741.83K

-60.45%4.51M

178.02%11.41M

460.04%4.1M

-67.60%732.78K

29.49%2.26M

-23.66%1.75M

-15.45%2.29M

Total liabilities

4.47%874.45M

18.51%837.05M

70.37%706.31M

-16.25%414.57M

52.29%494.99M

52.13%325.03M

-2.68%213.65M

29.02%219.53M

3.04%170.15M

55.70%165.13M

Shareholders'equity

Share capital

0.00%52.07K

-0.05%52.07K

0.00%52.09K

-0.05%52.09K

0.04%52.12K

0.04%52.1K

0.13%52.08K

1.96%52.01K

0.00%51.01K

6.65%51.01K

-common stock

0.00%52.07K

0.04%52.07K

0.04%52.05K

0.04%52.03K

1.96%52.01K

0.00%51.01K

6.65%51.01K

-Preferred stock

----

--0

0.00%24

-52.00%24

0.00%50

--50

--0

----

Paid-in capital

0.00%7.98M

-21.40%7.98M

0.00%10.15M

-18.32%10.15M

0.46%12.43M

0.46%12.37M

59.35%12.31M

2.37%7.73M

0.00%7.55M

19.56%7.55M

Retained earnings

11.69%85.2M

7.45%76.28M

1.89%70.99M

44.82%69.67M

127.73%48.11M

18.56%21.13M

14.31%17.82M

48.97%15.59M

45.24%10.46M

77.22%7.2M

Less: Treasury stock

0.00%338.3K

-86.52%338.3K

-12.60%2.51M

-28.09%2.87M

--3.99M

--0

----

Gains losses not affecting retained earnings

149,759.57%703.4K

59.59%-470

-176.97%-1.16K

1,490.53%1.51K

-97.53%95

-29.73%3.85K

-38.44%5.48K

-28.43%8.9K

-28.88%12.43K

-24.39%17.48K

Total stockholders'equity

11.46%93.59M

6.72%83.97M

2.18%78.68M

36.06%77M

68.68%56.59M

11.14%33.55M

29.14%30.19M

29.33%23.38M

21.96%18.08M

43.11%14.82M

Non controlling interests

12.73%11.96M

14.86%10.61M

4.80%9.24M

44.67%8.81M

80.29%6.09M

6.28%3.38M

6.72%3.18M

9.94%2.98M

8.07%2.71M

-45.03%2.51M

Total equity

11.60%105.55M

7.57%94.58M

2.45%87.92M

36.90%85.82M

69.74%62.69M

10.67%36.93M

26.61%33.37M

26.80%26.36M

19.95%20.79M

16.16%17.33M

Currency Unit

USD

Audit Opinions

Unqualified Opinion

Unqualified Opinion with Explanatory Notes

Unqualified Opinion

	(FY)Dec 31, 2024	(FY)Dec 31, 2023	(FY)Dec 31, 2022	(FY)Dec 31, 2021	(FY)Dec 31, 2020	(FY)Dec 31, 2019	(FY)Dec 31, 2018	(FY)Dec 31, 2017	(FY)Dec 31, 2016	(FY)Dec 31, 2015
Assets
Cash cash equivalents and federal funds sold	17.19%30.72M	-69.79%26.21M	-11.04%86.77M	-51.32%97.53M	75.39%200.36M	24.12%114.24M	-9.23%92.04M	133.47%101.4M	-28.50%43.43M	531.74%60.74M
-Cash and cash equivalents	17.54%29.53M	-70.68%25.12M	-11.60%85.67M	-51.51%96.92M	75.59%199.85M	25.53%113.82M	-9.43%90.67M	135.97%100.11M	-28.98%42.42M	593.48%59.74M
-Restricted cash and investments	9.15%1.19M	0.00%1.09M	77.14%1.09M	21.12%617.06K	21.17%509.45K	-69.33%420.44K	6.35%1.37M	28.11%1.29M	0.40%1.01M	0.18%1M
Receivables	20.69%10.91M	-13.01%9.04M	83.47%10.39M	-27.24%5.67M	147.49%7.79M	35.99%3.15M	-4.13%2.31M	-12.83%2.41M	39.70%2.77M	22.22%1.98M
-Accounts receivable	20.69%10.91M	-13.01%9.04M	83.47%10.39M	-9.38%5.67M	159.98%6.25M	32.72%2.4M	-2.70%1.81M	0.02%1.86M	29.74%1.86M	75.59%1.43M
-Other receivables	----	----	----	----	106.99%1.53M	47.78%741.31K	-8.96%501.65K	-39.22%551.03K	65.86%906.67K	-32.02%546.64K
Prepaid assets	6.52%7.69M	31.25%7.22M	61.66%5.5M	63.81%3.4M	30.69%2.08M	2.70%1.59M	21.49%1.55M	36.27%1.27M	-4.88%935.02K	43.82%983.01K
Net loan	4.88%832.29M	28.27%793.56M	88.42%618.67M	8.72%328.35M	50.03%302M	74.53%201.29M	-3.24%115.33M	-2.44%119.2M	24.22%122.17M	8.38%98.35M
-Gross loan	4.93%837.03M	28.19%797.73M	87.36%622.28M	8.37%332.13M	51.24%306.49M	75.22%202.65M	-3.30%115.65M	-2.44%119.6M	24.14%122.6M	8.03%98.76M
-Allowance for loans and lease losses	14.74%5.08M	24.43%4.43M	-0.34%3.56M	-10.26%3.57M	918.90%3.98M	21.08%390.71K	-20.61%322.67K	-3.85%406.44K	4.45%422.7K	-39.15%404.68K
-Unearned income	30.25%333.8K	548.11%256.27K	72.53%-57.19K	59.08%-208.18K	47.43%-508.7K	---967.64K	--0	----	----	----
Securities and investments	-12.22%29.81M	60.86%33.96M	106.06%21.11M	115.60%10.25M	-56.92%4.75M	-4.15%11.03M	927.33%11.51M	-45.08%1.12M	-16.38%2.04M	94.46%2.44M
-Available for sale securities	-35.96%10.76M	76.46%16.8M	146.55%9.52M	2,549.50%3.86M	17.07%145.77K	--124.52K	----	----	----	----
-Held to maturity securities	-3.02%16.59M	48.43%17.11M	89.32%11.53M	42.01%6.09M	-59.39%4.29M	-4.80%10.56M	2,155.22%11.09M	--491.73K	----	----
-Short term investments	5,280.55%2.45M	-25.84%45.61K	-79.08%61.51K	-7.68%293.96K	-8.35%318.41K	-16.77%347.41K	-33.57%417.43K	-69.19%628.37K	-16.38%2.04M	94.46%2.44M
Federal home loan bank stock	0.00%6.03M	41.05%6.03M	283.96%4.28M	0.00%1.11M	74.79%1.11M	0.00%637K	0.00%637K	0.00%637K	0.00%637K	-26.97%637K
Derivative assets	76.23%1.74M	-37.09%986.99K	-47.42%1.57M	-63.05%2.98M	378.77%8.08M	89.03%1.69M	12.10%892.29K	-44.67%795.99K	49.87%1.44M	-9.94%959.86K
Net PPE	3.71%13.05M	4.44%12.59M	-15.15%12.05M	5.29%14.2M	-8.70%13.49M	53.25%14.77M	10.48%9.64M	62.47%8.73M	10.63%5.37M	11.84%4.85M
-Gross PPE	7.58%30.92M	8.15%28.74M	-1.29%26.57M	9.61%26.92M	2.85%24.56M	41.98%23.88M	15.85%16.82M	40.98%14.52M	16.27%10.3M	-4.69%8.86M
-Accumulated depreciation	-10.60%-17.86M	-11.22%-16.15M	-14.19%-14.52M	-14.86%-12.72M	-21.61%-11.07M	-26.84%-9.1M	-23.95%-7.18M	-17.56%-5.79M	-23.10%-4.93M	19.19%-4M
Foreclosed assets	--0	--593.48K	--0	----	----	----	--70.59K	--0	-86.93%39.45K	-15.00%301.84K
Goodwill and other intangible assets	15.12%47.59M	22.16%41.34M	-8.22%33.84M	106.01%36.87M	32.15%17.9M	3.88%13.54M	26.44%13.04M	-11.41%10.31M	16.15%11.64M	16.35%10.02M
-Goodwill	-24.57%319.07K	0.00%422.98K	0.00%422.98K	0.00%422.98K	18.71%422.98K	0.00%356.31K	0.00%356.31K	0.00%356.31K	0.00%356.31K	0.00%356.31K
-Other intangible assets	15.53%47.27M	22.44%40.91M	-8.32%33.42M	108.58%36.45M	32.51%17.47M	3.99%13.19M	27.39%12.68M	-11.77%9.96M	16.75%11.28M	17.05%9.66M
Other assets	69.25%177.3K	67.92%104.76K	319.99%62.39K	-88.03%14.85K	376.64%124.05K	240.33%26.03K	-39.82%7.65K	2.97%12.71K	-59.15%12.34K	-42.48%30.21K
Total assets	5.19%980.01M	17.30%931.63M	58.73%794.24M	-10.27%500.38M	54.07%557.68M	46.53%361.96M	0.46%247.02M	28.78%245.89M	4.65%190.94M	50.82%182.46M
Liabilities
Total deposits	5.99%715.45M	11.42%674.99M	67.31%605.78M	-16.85%362.07M	45.40%435.45M	49.53%299.47M	-2.36%200.28M	33.08%205.13M	1.24%154.14M	60.99%152.26M
Payables	35.97%4.16M	37.30%3.06M	-18.19%2.23M	-41.08%2.72M	18.72%4.62M	6.46%3.89M	-6.94%3.66M	45.13%3.93M	25.17%2.71M	-9.62%2.16M
-Accounts payable	19.07%3.64M	56.31%3.06M	-25.34%1.96M	50.12%2.62M	21.79%1.75M	-11.13%1.43M	14.83%1.61M	18.79%1.41M	45.09%1.18M	-18.21%815.28K
-Total tax payable	----	----	----	----	----	----	----	48.06%683.96K	2,494.09%461.96K	--17.81K
-Dividends payable	--516.95K	--0	165.63%270.97K	-89.19%102.01K	1,158.10%943.58K	--75K	--0	----	----	----
-Other payable	----	----	----	----	-18.95%1.93M	16.68%2.39M	11.02%2.04M	73.14%1.84M	-20.08%1.06M	-4.77%1.33M
Current accrued expenses	47.59%7.63M	-37.57%5.17M	-26.43%8.28M	-6.86%11.25M	283.54%12.08M	28.71%3.15M	-19.33%2.45M	-12.94%3.03M	0.25%3.48M	149.83%3.48M
Current debt and capital lease obligation	--0	--1M	--0	----	----	----	----	----	----	----
-Current debt	--0	--1M	--0	----	----	----	----	----	----	----
Long term provisions	-20.27%438.03K	-10.89%549.4K	-49.78%616.55K	-11.84%1.23M	212.10%1.39M	75.38%446.17K	36.35%254.41K	-9.25%186.59K	-5.49%205.62K	-56.96%217.55K
Long term debt and capital lease obligation	-3.27%135.84M	71.77%140.43M	259.89%81.76M	5.25%22.72M	145.78%21.58M	436.67%8.78M	-1.83%1.64M	-29.15%1.67M	--2.35M	----
-Long term debt	-3.08%132.06M	73.16%136.27M	323.22%78.69M	8.71%18.59M	362.99%17.1M	125.76%3.69M	-1.83%1.64M	-29.15%1.67M	--2.35M	----
-Long term capital lease obligation	-9.41%3.77M	35.98%4.17M	-25.71%3.06M	-7.96%4.12M	-11.95%4.48M	--5.09M	----	----	----	----
Non current deferred liabilities	-2.20%8.73M	29.11%8.93M	-30.29%6.91M	40.98%9.92M	41.67%7.04M	25.26%4.97M	21.42%3.96M	-40.80%3.27M	18.08%5.52M	17.78%4.67M
Derivative product liabilities	--0	--825.48K	--0	-89.94%142.53K	575.94%1.42M	-69.11%209.63K	1,087.09%678.68K	--57.17K	--0	-66.22%58.11K
Other liabilities	5.13%2.21M	183.26%2.1M	-83.56%741.83K	-60.45%4.51M	178.02%11.41M	460.04%4.1M	-67.60%732.78K	29.49%2.26M	-23.66%1.75M	-15.45%2.29M
Total liabilities	4.47%874.45M	18.51%837.05M	70.37%706.31M	-16.25%414.57M	52.29%494.99M	52.13%325.03M	-2.68%213.65M	29.02%219.53M	3.04%170.15M	55.70%165.13M
Shareholders'equity
Share capital	0.00%52.07K	-0.05%52.07K	0.00%52.09K	-0.05%52.09K	0.04%52.12K	0.04%52.1K	0.13%52.08K	1.96%52.01K	0.00%51.01K	6.65%51.01K
-common stock	0.00%52.07K	0.00%52.07K	0.00%52.07K	0.00%52.07K	0.04%52.07K	0.04%52.05K	0.04%52.03K	1.96%52.01K	0.00%51.01K	6.65%51.01K
-Preferred stock	----	--0	0.00%24	-52.00%24	0.00%50	0.00%50	--50	--0	----	----
Paid-in capital	0.00%7.98M	-21.40%7.98M	0.00%10.15M	-18.32%10.15M	0.46%12.43M	0.46%12.37M	59.35%12.31M	2.37%7.73M	0.00%7.55M	19.56%7.55M
Retained earnings	11.69%85.2M	7.45%76.28M	1.89%70.99M	44.82%69.67M	127.73%48.11M	18.56%21.13M	14.31%17.82M	48.97%15.59M	45.24%10.46M	77.22%7.2M
Less: Treasury stock	0.00%338.3K	-86.52%338.3K	-12.60%2.51M	-28.09%2.87M	--3.99M	--0	----	----	----	----
Gains losses not affecting retained earnings	149,759.57%703.4K	59.59%-470	-176.97%-1.16K	1,490.53%1.51K	-97.53%95	-29.73%3.85K	-38.44%5.48K	-28.43%8.9K	-28.88%12.43K	-24.39%17.48K
Total stockholders'equity	11.46%93.59M	6.72%83.97M	2.18%78.68M	36.06%77M	68.68%56.59M	11.14%33.55M	29.14%30.19M	29.33%23.38M	21.96%18.08M	43.11%14.82M
Non controlling interests	12.73%11.96M	14.86%10.61M	4.80%9.24M	44.67%8.81M	80.29%6.09M	6.28%3.38M	6.72%3.18M	9.94%2.98M	8.07%2.71M	-45.03%2.51M
Total equity	11.60%105.55M	7.57%94.58M	2.45%87.92M	36.90%85.82M	69.74%62.69M	10.67%36.93M	26.61%33.37M	26.80%26.36M	19.95%20.79M	16.16%17.33M
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Audit Opinions	Unqualified Opinion	Unqualified Opinion	Unqualified Opinion	Unqualified Opinion	Unqualified Opinion	Unqualified Opinion with Explanatory Notes	Unqualified Opinion	Unqualified Opinion	Unqualified Opinion	Unqualified Opinion

No. Symbol 5D % Chg

Middle East conflict spreads to the stock market! How should investors respond?

Following the collapse of peace talks between the US and Iran, the US Central Command announced a full blockade of all vessels entering and Show More

牛牛課堂

Mar 4 17:09

Long-term answers | Your account on the left shrinks, while your right hand is chased by the times — Be the person that no bombardment can ever wipe out.

牛牛課堂

Mar 18 18:18

Hormuz, Term Structure and USO: Navigating the Energy Storm