Call reports 2005
BANK OF URBANA, THE — 2005
What BANK OF URBANA, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 125,751,000 | 128,388,000 | 133,283,000 | 131,731,000 |
| Total loans | 78,272,000 | 79,245,000 | 78,651,000 | 78,177,000 |
| Allowance for loan losses | 2,071,000 | 2,113,000 | 2,127,000 | 2,119,000 |
| Securities available for sale | 40,710,000 | 40,528,000 | 44,458,000 | 45,236,000 |
| Securities held to maturity | 14,000 | 12,000 | 11,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,065,000 | 111,015,000 | 115,673,000 | 114,144,000 |
| Interest-bearing deposits | 94,607,000 | 95,755,000 | 96,093,000 | 98,539,000 |
| Noninterest-bearing deposits | 14,458,000 | 15,260,000 | 19,580,000 | 15,605,000 |
| Equity capital | 15,691,000 | 16,390,000 | 16,498,000 | 16,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,566,000 | 3,240,000 | 5,027,000 | 6,898,000 |
| Interest expense | 436,000 | 922,000 | 1,461,000 | 2,063,000 |
| Net interest income | 1,130,000 | 2,318,000 | 3,566,000 | 4,835,000 |
| Noninterest income | 162,000 | 383,000 | 585,000 | 807,000 |
| Noninterest expense | 762,000 | 1,551,000 | 2,335,000 | 3,222,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 485,000 | 1,060,000 | 1,681,000 | 2,240,000 |
| Income tax | 147,000 | 329,000 | 539,000 | 708,000 |
| Net income | 338,000 | 731,000 | 1,142,000 | 1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,959,000 | 16,300,000 | 16,659,000 | 16,995,000 |
| Total capital | 16,952,000 | 17,339,000 | 17,714,000 | 18,050,000 |
| Risk-weighted assets | 78,342,000 | 82,049,000 | 83,313,000 | 83,368,000 |