Call reports 2009
BANK OF URBANA, THE — 2009
What BANK OF URBANA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 151,670,000 | 149,233,000 | 151,463,000 | 154,983,000 |
| Total loans | 78,117,000 | 78,722,000 | 77,291,000 | 79,600,000 |
| Allowance for loan losses | 1,681,000 | 1,704,000 | 1,768,000 | 1,746,000 |
| Securities available for sale | 63,267,000 | 62,339,000 | 64,518,000 | 65,627,000 |
| Securities held to maturity | 8,000 | 7,000 | 8,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,336,000 | 127,419,000 | 128,229,000 | 132,439,000 |
| Interest-bearing deposits | 110,041,000 | 108,240,000 | 109,346,000 | 111,257,000 |
| Noninterest-bearing deposits | 19,295,000 | 19,179,000 | 18,883,000 | 21,182,000 |
| Equity capital | 21,688,000 | 21,085,000 | 22,339,000 | 22,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,080,000 | 4,078,000 | 6,010,000 | 7,932,000 |
| Interest expense | 610,000 | 1,173,000 | 1,695,000 | 2,175,000 |
| Net interest income | 1,470,000 | 2,905,000 | 4,315,000 | 5,757,000 |
| Noninterest income | 171,000 | 340,000 | 551,000 | 703,000 |
| Noninterest expense | 1,066,000 | 2,190,000 | 3,235,000 | 4,274,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 500,000 | 930,000 | 1,431,000 | 1,911,000 |
| Income tax | 124,000 | 221,000 | 340,000 | 409,000 |
| Net income | 376,000 | 709,000 | 1,091,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,602,000 | 21,829,000 | 22,107,000 | 22,413,000 |
| Total capital | 22,632,000 | 22,867,000 | 23,122,000 | 23,466,000 |
| Risk-weighted assets | 81,747,000 | 82,377,000 | 80,408,000 | 83,559,000 |