Call reports 2006
BANK OF URBANA, THE — 2006
What BANK OF URBANA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 134,067,000 | 133,474,000 | 135,664,000 | 138,952,000 |
| Total loans | 76,303,000 | 75,035,000 | 71,148,000 | 71,062,000 |
| Allowance for loan losses | 2,123,000 | 1,789,000 | 1,832,000 | 1,876,000 |
| Securities available for sale | 47,934,000 | 49,839,000 | 54,708,000 | 57,805,000 |
| Securities held to maturity | 9,000 | 9,000 | 9,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,101,000 | 115,402,000 | 116,366,000 | 119,341,000 |
| Interest-bearing deposits | 99,555,000 | 98,763,000 | 100,046,000 | 102,095,000 |
| Noninterest-bearing deposits | 16,546,000 | 16,639,000 | 16,320,000 | 17,246,000 |
| Equity capital | 16,827,000 | 16,862,000 | 17,814,000 | 18,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,974,000 | 4,153,000 | 6,355,000 | 8,681,000 |
| Interest expense | 652,000 | 1,371,000 | 2,158,000 | 3,008,000 |
| Net interest income | 1,322,000 | 2,782,000 | 4,197,000 | 5,673,000 |
| Noninterest income | 197,000 | 328,000 | 505,000 | 682,000 |
| Noninterest expense | 846,000 | 1,731,000 | 2,637,000 | 3,544,000 |
| Provision for loan losses | 52,000 | 105,000 | 158,000 | 210,000 |
| Pretax income | 621,000 | 1,274,000 | 1,907,000 | 2,601,000 |
| Income tax | 201,000 | 438,000 | 607,000 | 814,000 |
| Net income | 420,000 | 836,000 | 1,300,000 | 1,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,306,000 | 17,720,000 | 17,975,000 | 18,357,000 |
| Total capital | 18,351,000 | 18,772,000 | 19,003,000 | 19,413,000 |
| Risk-weighted assets | 82,539,000 | 83,434,000 | 81,421,000 | 83,644,000 |