Call reports 2004
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2004
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE 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 | 85,186,000 | 91,034,000 | 88,972,000 | 88,577,000 |
| Total loans | 79,469,000 | 81,769,000 | 83,210,000 | 86,102,000 |
| Allowance for loan losses | 630,000 | 642,000 | 665,000 | 705,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 314,000 | 313,000 | 312,000 | 312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,788,000 | 80,813,000 | 78,387,000 | 73,668,000 |
| Interest-bearing deposits | 61,274,000 | 65,806,000 | 66,597,000 | 59,959,000 |
| Noninterest-bearing deposits | 13,514,000 | 15,007,000 | 11,790,000 | 13,709,000 |
| Equity capital | 10,209,000 | 10,167,000 | 10,507,000 | 10,645,000 |
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 | 1,381,000 | 2,856,000 | 4,361,000 | 5,833,000 |
| Interest expense | 248,000 | 502,000 | 785,000 | 1,073,000 |
| Net interest income | 1,133,000 | 2,354,000 | 3,576,000 | 4,760,000 |
| Noninterest income | 257,000 | 603,000 | 885,000 | 1,111,000 |
| Noninterest expense | 665,000 | 1,335,000 | 1,991,000 | 2,904,000 |
| Provision for loan losses | 21,000 | 23,000 | 46,000 | 85,000 |
| Pretax income | 704,000 | 1,599,000 | 2,424,000 | 2,882,000 |
| Income tax | 30,000 | 67,000 | 102,000 | 122,000 |
| Net income | 674,000 | 1,532,000 | 2,322,000 | 2,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,209,000 | 10,167,000 | 10,507,000 | 10,645,000 |
| Total capital | 10,839,000 | 10,809,000 | 11,172,000 | 11,350,000 |
| Risk-weighted assets | 66,959,000 | 69,715,000 | 71,931,000 | 74,214,000 |