Call reports 2013
BANK OF URBANA, THE — 2013
What BANK OF URBANA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 168,867,000 | 168,267,000 | 167,759,000 | 166,810,000 |
| Total loans | 77,453,000 | 77,527,000 | 73,907,000 | 75,129,000 |
| Allowance for loan losses | 1,378,000 | 1,284,000 | 1,261,000 | 1,341,000 |
| Securities available for sale | 67,012,000 | 73,972,000 | 77,745,000 | 77,941,000 |
| Securities held to maturity | 208,000 | 208,000 | 208,000 | 207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,885,000 | 145,239,000 | 144,293,000 | 143,167,000 |
| Interest-bearing deposits | 119,527,000 | 118,908,000 | 117,685,000 | 117,603,000 |
| Noninterest-bearing deposits | 24,358,000 | 26,331,000 | 26,608,000 | 25,564,000 |
| Equity capital | 24,140,000 | 22,575,000 | 22,860,000 | 22,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,222,000 | 4,801,000 | 6,401,000 |
| Interest expense | 203,000 | 385,000 | 561,000 | 730,000 |
| Net interest income | 1,389,000 | 2,837,000 | 4,240,000 | 5,671,000 |
| Noninterest income | 173,000 | 325,000 | 525,000 | 729,000 |
| Noninterest expense | 1,076,000 | 2,174,000 | 3,228,000 | 4,326,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 426,000 | 928,000 | 1,477,000 | 2,014,000 |
| Income tax | 110,000 | 184,000 | 265,000 | 337,000 |
| Net income | 316,000 | 744,000 | 1,212,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,297,000 | 23,620,000 | 23,983,000 | 24,343,000 |
| Total capital | 24,359,000 | 24,695,000 | 25,017,000 | 25,396,000 |
| Risk-weighted assets | 84,610,000 | 85,782,000 | 82,484,000 | 83,976,000 |