Call reports 2007
BANK OF URBANA, THE — 2007
What BANK OF URBANA, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 143,632,000 | 143,566,000 | 145,989,000 | 149,046,000 |
| Total loans | 71,031,000 | 70,865,000 | 68,151,000 | 72,385,000 |
| Allowance for loan losses | 1,924,000 | 1,892,000 | 1,918,000 | 1,868,000 |
| Securities available for sale | 61,833,000 | 63,948,000 | 67,594,000 | 68,515,000 |
| Securities held to maturity | 9,000 | 9,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,519,000 | 123,678,000 | 125,065,000 | 127,574,000 |
| Interest-bearing deposits | 105,457,000 | 104,635,000 | 105,367,000 | 109,006,000 |
| Noninterest-bearing deposits | 18,062,000 | 19,043,000 | 19,698,000 | 18,568,000 |
| Equity capital | 18,669,000 | 18,513,000 | 19,387,000 | 20,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,338,000 | 4,752,000 | 7,195,000 | 9,725,000 |
| Interest expense | 891,000 | 1,834,000 | 2,798,000 | 3,769,000 |
| Net interest income | 1,447,000 | 2,918,000 | 4,397,000 | 5,956,000 |
| Noninterest income | 171,000 | 355,000 | 533,000 | 750,000 |
| Noninterest expense | 926,000 | 1,837,000 | 2,812,000 | 3,789,000 |
| Provision for loan losses | 53,000 | 105,000 | 157,000 | 210,000 |
| Pretax income | 639,000 | 1,331,000 | 1,962,000 | 2,720,000 |
| Income tax | 191,000 | 404,000 | 600,000 | 824,000 |
| Net income | 448,000 | 927,000 | 1,362,000 | 1,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,700,000 | 19,074,000 | 19,404,000 | 19,833,000 |
| Total capital | 19,777,000 | 20,168,000 | 20,472,000 | 20,965,000 |
| Risk-weighted assets | 85,338,000 | 86,732,000 | 84,557,000 | 89,801,000 |