Call reports 2003
UNIVERSITY NATIONAL BANK — 2003
What UNIVERSITY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 106,229,000 | 109,880,000 | 109,551,000 | 109,054,000 |
| Total loans | 21,666,000 | 21,740,000 | 22,045,000 | 21,361,000 |
| Allowance for loan losses | 213,000 | 213,000 | 213,000 | 213,000 |
| Securities available for sale | 47,638,000 | 50,493,000 | 52,745,000 | 49,948,000 |
| Securities held to maturity | 31,219,000 | 29,477,000 | 26,595,000 | 28,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,559,000 | 100,180,000 | 100,036,000 | 99,711,000 |
| Interest-bearing deposits | 66,478,000 | 69,117,000 | 66,002,000 | 67,130,000 |
| Noninterest-bearing deposits | 30,081,000 | 31,064,000 | 34,034,000 | 32,581,000 |
| Equity capital | 8,806,000 | 8,802,000 | 8,674,000 | 8,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,113,000 | 2,166,000 | 3,157,000 | 4,090,000 |
| Interest expense | 196,000 | 370,000 | 508,000 | 633,000 |
| Net interest income | 917,000 | 1,796,000 | 2,649,000 | 3,457,000 |
| Noninterest income | 191,000 | 389,000 | 591,000 | 798,000 |
| Noninterest expense | 775,000 | 1,556,000 | 2,324,000 | 3,122,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 334,000 | 630,000 | 920,000 | 1,137,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 334,000 | 630,000 | 920,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,026,000 | 8,122,000 | 8,212,000 | 8,089,000 |
| Total capital | 8,239,000 | 8,335,000 | 8,425,000 | 8,302,000 |
| Risk-weighted assets | 34,095,000 | 36,426,000 | 36,502,000 | 36,177,000 |