Call reports 2008
BANK OF URBANA, THE — 2008
What BANK OF URBANA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 151,156,000 | 151,040,000 | 147,663,000 | 148,660,000 |
| Total loans | 73,724,000 | 75,150,000 | 75,002,000 | 77,354,000 |
| Allowance for loan losses | 1,896,000 | 1,892,000 | 1,793,000 | 1,663,000 |
| Securities available for sale | 68,085,000 | 66,181,000 | 65,939,000 | 64,506,000 |
| Securities held to maturity | 8,000 | 8,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,865,000 | 130,038,000 | 126,467,000 | 126,686,000 |
| Interest-bearing deposits | 110,885,000 | 110,355,000 | 108,149,000 | 108,587,000 |
| Noninterest-bearing deposits | 17,980,000 | 19,683,000 | 18,318,000 | 18,099,000 |
| Equity capital | 20,878,000 | 20,284,000 | 20,324,000 | 21,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,493,000 | 4,868,000 | 7,183,000 | 9,424,000 |
| Interest expense | 948,000 | 1,773,000 | 2,511,000 | 3,176,000 |
| Net interest income | 1,545,000 | 3,095,000 | 4,672,000 | 6,248,000 |
| Noninterest income | 176,000 | 346,000 | 584,000 | 715,000 |
| Noninterest expense | 988,000 | 1,991,000 | 3,023,000 | 4,132,000 |
| Provision for loan losses | 35,000 | 48,000 | 85,000 | 123,000 |
| Pretax income | 698,000 | 1,402,000 | 2,156,000 | 2,716,000 |
| Income tax | 206,000 | 418,000 | 643,000 | 799,000 |
| Net income | 492,000 | 984,000 | 1,513,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,221,000 | 20,608,000 | 21,031,000 | 21,331,000 |
| Total capital | 21,372,000 | 21,785,000 | 22,198,000 | 22,353,000 |
| Risk-weighted assets | 91,320,000 | 93,466,000 | 92,739,000 | 81,090,000 |