Call reports 2015
BANK OF URBANA, THE — 2015
What BANK OF URBANA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 182,862,000 | 183,617,000 | 181,402,000 | 184,866,000 |
| Total loans | 76,224,000 | 78,557,000 | 77,390,000 | 81,610,000 |
| Allowance for loan losses | 925,000 | 949,000 | 995,000 | 973,000 |
| Securities available for sale | 76,843,000 | 80,823,000 | 82,720,000 | 82,595,000 |
| Securities held to maturity | 205,000 | 205,000 | 205,000 | 201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,515,000 | 158,951,000 | 155,915,000 | 159,593,000 |
| Interest-bearing deposits | 136,858,000 | 142,222,000 | 139,154,000 | 141,637,000 |
| Noninterest-bearing deposits | 20,657,000 | 16,729,000 | 16,761,000 | 17,956,000 |
| Equity capital | 24,586,000 | 24,118,000 | 24,626,000 | 24,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,619,000 | 3,170,000 | 4,740,000 | 6,486,000 |
| Interest expense | 153,000 | 308,000 | 463,000 | 612,000 |
| Net interest income | 1,466,000 | 2,862,000 | 4,277,000 | 5,874,000 |
| Noninterest income | 183,000 | 409,000 | 665,000 | 917,000 |
| Noninterest expense | 1,127,000 | 2,178,000 | 3,215,000 | 4,303,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 512,000 | 1,053,000 | 1,658,000 | 2,400,000 |
| Income tax | 56,000 | 161,000 | 311,000 | 475,000 |
| Net income | 456,000 | 892,000 | 1,347,000 | 1,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,337,000 | 23,929,000 | 24,104,000 | 24,337,000 |
| Total capital | 26,262,000 | 24,878,000 | 25,099,000 | 25,310,000 |
| Risk-weighted assets | 85,764,000 | 86,795,000 | 88,815,000 | 92,576,000 |