Call reports 2003
BANK OF URBANA, THE — 2003
What BANK OF URBANA, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 120,417,000 | 121,156,000 | 122,162,000 | 121,650,000 |
| Total loans | 72,117,000 | 73,773,000 | 74,704,000 | 75,615,000 |
| Allowance for loan losses | 1,973,000 | 2,034,000 | 2,075,000 | 2,095,000 |
| Securities available for sale | 42,119,000 | 40,607,000 | 40,607,000 | 40,843,000 |
| Securities held to maturity | 22,000 | 18,000 | 18,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,820,000 | 105,678,000 | 106,905,000 | 105,531,000 |
| Interest-bearing deposits | 93,441,000 | 92,581,000 | 93,553,000 | 92,571,000 |
| Noninterest-bearing deposits | 12,379,000 | 13,097,000 | 13,352,000 | 12,960,000 |
| Equity capital | 14,093,000 | 14,391,000 | 14,377,000 | 14,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,233,000 | 4,767,000 | 6,271,000 |
| Interest expense | 541,000 | 1,035,000 | 1,488,000 | 1,903,000 |
| Net interest income | 1,131,000 | 2,198,000 | 3,279,000 | 4,368,000 |
| Noninterest income | 150,000 | 314,000 | 495,000 | 671,000 |
| Noninterest expense | 743,000 | 1,479,000 | 2,213,000 | 2,829,000 |
| Provision for loan losses | 75,000 | 150,000 | 195,000 | 225,000 |
| Pretax income | 463,000 | 883,000 | 1,366,000 | 1,985,000 |
| Income tax | 131,000 | 283,000 | 439,000 | 646,000 |
| Net income | 332,000 | 600,000 | 927,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,668,000 | 13,883,000 | 14,159,000 | 14,519,000 |
| Total capital | 14,544,000 | 14,786,000 | 15,083,000 | 15,462,000 |
| Risk-weighted assets | 69,344,000 | 71,126,000 | 72,788,000 | 74,294,000 |