Call reports 2004
BANK OF URBANA, THE — 2004
What BANK OF URBANA, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 122,949,000 | 122,863,000 | 125,561,000 | 124,794,000 |
| Total loans | 77,613,000 | 79,818,000 | 78,549,000 | 77,826,000 |
| Allowance for loan losses | 2,106,000 | 2,035,000 | 2,055,000 | 2,041,000 |
| Securities available for sale | 39,236,000 | 37,085,000 | 38,775,000 | 40,786,000 |
| Securities held to maturity | 15,000 | 15,000 | 14,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,677,000 | 107,071,000 | 109,074,000 | 107,370,000 |
| Interest-bearing deposits | 93,143,000 | 93,447,000 | 95,430,000 | 93,310,000 |
| Noninterest-bearing deposits | 13,534,000 | 13,624,000 | 13,644,000 | 14,060,000 |
| Equity capital | 15,264,000 | 14,888,000 | 15,435,000 | 15,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,505,000 | 2,981,000 | 4,474,000 | 6,006,000 |
| Interest expense | 390,000 | 757,000 | 1,137,000 | 1,541,000 |
| Net interest income | 1,115,000 | 2,224,000 | 3,337,000 | 4,465,000 |
| Noninterest income | 155,000 | 337,000 | 505,000 | 707,000 |
| Noninterest expense | 718,000 | 1,490,000 | 2,287,000 | 3,011,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 522,000 | 1,011,000 | 1,450,000 | 2,011,000 |
| Income tax | 161,000 | 321,000 | 487,000 | 646,000 |
| Net income | 361,000 | 690,000 | 963,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,880,000 | 15,104,000 | 15,325,000 | 15,674,000 |
| Total capital | 15,837,000 | 16,087,000 | 16,303,000 | 16,652,000 |
| Risk-weighted assets | 75,373,000 | 77,604,000 | 77,198,000 | 77,169,000 |