Call reports 2002
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2002
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 80,160,000 | 84,139,000 | 86,092,000 | 90,678,000 |
| Total loans | 70,268,000 | 77,210,000 | 81,144,000 | 86,513,000 |
| Allowance for loan losses | 533,000 | 567,000 | 567,000 | 565,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 800,000 | 781,000 | 621,000 | 598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,494,000 | 74,631,000 | 76,431,000 | 73,710,000 |
| Interest-bearing deposits | 59,229,000 | 59,844,000 | 63,386,000 | 60,382,000 |
| Noninterest-bearing deposits | 12,265,000 | 14,787,000 | 13,045,000 | 13,328,000 |
| Equity capital | 8,366,000 | 8,102,000 | 8,419,000 | 9,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,501,000 | 3,042,000 | 4,591,000 | 6,184,000 |
| Interest expense | 484,000 | 905,000 | 1,326,000 | 1,721,000 |
| Net interest income | 1,017,000 | 2,137,000 | 3,265,000 | 4,463,000 |
| Noninterest income | 295,000 | 522,000 | 897,000 | 1,425,000 |
| Noninterest expense | 566,000 | 1,160,000 | 1,807,000 | 2,775,000 |
| Provision for loan losses | 68,000 | 102,000 | 103,000 | 103,000 |
| Pretax income | 678,000 | 1,397,000 | 2,252,000 | 3,010,000 |
| Income tax | 30,000 | 62,000 | 99,000 | 132,000 |
| Net income | 648,000 | 1,335,000 | 2,153,000 | 2,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,366,000 | 8,102,000 | 8,419,000 | 9,144,000 |
| Total capital | 8,899,000 | 8,669,000 | 8,986,000 | 9,709,000 |
| Risk-weighted assets | 62,763,000 | 67,176,000 | 68,445,000 | 69,531,000 |