Call reports 2003
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2003
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE 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 | 85,758,000 | 87,409,000 | 83,585,000 | 81,149,000 |
| Total loans | 78,436,000 | 83,147,000 | 77,525,000 | 77,341,000 |
| Allowance for loan losses | 580,000 | 603,000 | 592,000 | 609,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 596,000 | 583,000 | 316,000 | 314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,859,000 | 75,642,000 | 73,065,000 | 70,766,000 |
| Interest-bearing deposits | 61,282,000 | 61,365,000 | 59,274,000 | 57,615,000 |
| Noninterest-bearing deposits | 14,577,000 | 14,277,000 | 13,791,000 | 13,151,000 |
| Equity capital | 9,780,000 | 9,780,000 | 10,416,000 | 9,985,000 |
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 | 1,541,000 | 3,029,000 | 4,526,000 | 5,941,000 |
| Interest expense | 346,000 | 668,000 | 959,000 | 1,214,000 |
| Net interest income | 1,195,000 | 2,361,000 | 3,567,000 | 4,727,000 |
| Noninterest income | 592,000 | 1,109,000 | 1,794,000 | 2,061,000 |
| Noninterest expense | 638,000 | 1,296,000 | 2,008,000 | 3,006,000 |
| Provision for loan losses | 15,000 | 38,000 | 52,000 | 69,000 |
| Pretax income | 1,134,000 | 2,136,000 | 3,301,000 | 3,713,000 |
| Income tax | 48,000 | 90,000 | 139,000 | 157,000 |
| Net income | 1,086,000 | 2,046,000 | 3,162,000 | 3,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,780,000 | 9,780,000 | 10,416,000 | 9,985,000 |
| Total capital | 10,360,000 | 10,383,000 | 11,008,000 | 10,594,000 |
| Risk-weighted assets | 66,612,000 | 64,511,000 | 62,133,000 | 64,771,000 |