Call reports 2004
UNIVERSITY NATIONAL BANK — 2004
What UNIVERSITY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 110,497,000 | 111,650,000 | 112,217,000 | 113,835,000 |
| Total loans | 21,338,000 | 21,078,000 | 20,195,000 | 19,951,000 |
| Allowance for loan losses | 213,000 | 213,000 | 213,000 | 212,000 |
| Securities available for sale | 46,921,000 | 47,337,000 | 48,001,000 | 44,774,000 |
| Securities held to maturity | 34,163,000 | 35,423,000 | 38,149,000 | 41,319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,242,000 | 102,879,000 | 103,472,000 | 104,656,000 |
| Interest-bearing deposits | 69,720,000 | 69,544,000 | 69,606,000 | 69,600,000 |
| Noninterest-bearing deposits | 31,522,000 | 33,334,000 | 33,866,000 | 35,056,000 |
| Equity capital | 8,452,000 | 7,988,000 | 8,228,000 | 7,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,870,000 | 2,794,000 | 3,750,000 |
| Interest expense | 123,000 | 239,000 | 354,000 | 485,000 |
| Net interest income | 820,000 | 1,631,000 | 2,440,000 | 3,265,000 |
| Noninterest income | 186,000 | 388,000 | 590,000 | 783,000 |
| Noninterest expense | 758,000 | 1,519,000 | 2,251,000 | 3,013,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 252,000 | 504,000 | 783,000 | 1,040,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 504,000 | 783,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,182,000 | 8,273,000 | 8,352,000 | 8,289,000 |
| Total capital | 8,395,000 | 8,486,000 | 8,565,000 | 8,501,000 |
| Risk-weighted assets | 36,598,000 | 37,030,000 | 36,376,000 | 37,283,000 |