Call reports 2005
UNIVERSITY NATIONAL BANK — 2005
What UNIVERSITY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,823,000 | 109,402,000 | 113,087,000 | 110,904,000 |
| Total loans | 19,122,000 | 19,372,000 | 18,168,000 | 18,034,000 |
| Allowance for loan losses | 212,000 | 212,000 | 212,000 | 212,000 |
| Securities available for sale | 45,474,000 | 46,607,000 | 49,489,000 | 52,524,000 |
| Securities held to maturity | 38,980,000 | 37,649,000 | 34,542,000 | 31,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,949,000 | 100,308,000 | 103,913,000 | 101,656,000 |
| Interest-bearing deposits | 69,137,000 | 66,324,000 | 68,462,000 | 67,548,000 |
| Noninterest-bearing deposits | 32,813,000 | 33,984,000 | 35,451,000 | 34,108,000 |
| Equity capital | 7,737,000 | 7,981,000 | 8,163,000 | 8,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,897,000 | 2,872,000 | 3,875,000 |
| Interest expense | 143,000 | 311,000 | 510,000 | 734,000 |
| Net interest income | 799,000 | 1,586,000 | 2,362,000 | 3,141,000 |
| Noninterest income | 175,000 | 369,000 | 568,000 | 751,000 |
| Noninterest expense | 761,000 | 1,501,000 | 2,208,000 | 2,957,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 454,000 | 722,000 | 935,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 213,000 | 454,000 | 722,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,342,000 | 8,423,000 | 8,691,000 | 8,564,000 |
| Total capital | 8,554,000 | 8,635,000 | 8,903,000 | 8,776,000 |
| Risk-weighted assets | 36,361,000 | 36,294,000 | 36,595,000 | 35,702,000 |