Call reports 2002
BANK OF URBANA, THE — 2002
What BANK OF URBANA, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 115,143,000 | 116,446,000 | 117,853,000 | 118,965,000 |
| Total loans | 67,446,000 | 69,202,000 | 70,132,000 | 71,942,000 |
| Allowance for loan losses | 1,771,000 | 1,702,000 | 1,802,000 | 1,903,000 |
| Securities available for sale | 39,798,000 | 40,436,000 | 41,930,000 | 39,953,000 |
| Securities held to maturity | 28,000 | 27,000 | 25,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,003,000 | 102,254,000 | 103,342,000 | 104,484,000 |
| Interest-bearing deposits | 91,778,000 | 91,201,000 | 92,198,000 | 92,525,000 |
| Noninterest-bearing deposits | 10,225,000 | 11,053,000 | 11,144,000 | 11,959,000 |
| Equity capital | 12,724,000 | 13,475,000 | 13,772,000 | 13,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,827,000 | 3,586,000 | 5,306,000 | 6,992,000 |
| Interest expense | 737,000 | 1,408,000 | 2,042,000 | 2,631,000 |
| Net interest income | 1,090,000 | 2,178,000 | 3,264,000 | 4,361,000 |
| Noninterest income | 123,000 | 248,000 | 377,000 | 500,000 |
| Noninterest expense | 748,000 | 1,444,000 | 2,115,000 | 2,831,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 360,000 | 772,000 | 1,211,000 | 1,610,000 |
| Income tax | 118,000 | 256,000 | 398,000 | 527,000 |
| Net income | 242,000 | 516,000 | 813,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,367,000 | 12,493,000 | 12,814,000 | 13,389,000 |
| Total capital | 13,192,000 | 13,326,000 | 13,664,000 | 14,260,000 |
| Risk-weighted assets | 65,034,000 | 65,793,000 | 67,023,000 | 68,620,000 |