Call reports 2005
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2005
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE 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 | 93,989,000 | 103,986,000 | 96,854,000 | 94,414,000 |
| Total loans | 85,470,000 | 96,714,000 | 93,076,000 | 90,444,000 |
| Allowance for loan losses | 705,000 | 766,000 | 761,000 | 759,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 311,000 | 311,000 | 309,000 | 109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,924,000 | 88,196,000 | 82,543,000 | 82,960,000 |
| Interest-bearing deposits | 67,857,000 | 68,816,000 | 66,082,000 | 67,248,000 |
| Noninterest-bearing deposits | 15,067,000 | 19,380,000 | 16,461,000 | 15,712,000 |
| Equity capital | 10,973,000 | 10,788,000 | 11,198,000 | 11,350,000 |
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 | 1,433,000 | 3,042,000 | 4,721,000 | 6,418,000 |
| Interest expense | 309,000 | 657,000 | 1,078,000 | 1,533,000 |
| Net interest income | 1,124,000 | 2,385,000 | 3,643,000 | 4,885,000 |
| Noninterest income | 244,000 | 454,000 | 783,000 | 1,038,000 |
| Noninterest expense | 634,000 | 1,295,000 | 1,967,000 | 2,898,000 |
| Provision for loan losses | 0 | 64,000 | 81,000 | 81,000 |
| Pretax income | 734,000 | 1,480,000 | 2,378,000 | 2,944,000 |
| Income tax | 31,000 | 62,000 | 100,000 | 124,000 |
| Net income | 703,000 | 1,418,000 | 2,278,000 | 2,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,973,000 | 10,788,000 | 11,198,000 | 11,350,000 |
| Total capital | 11,678,000 | 11,554,000 | 11,959,000 | 12,109,000 |
| Risk-weighted assets | 75,012,000 | 82,375,000 | 80,286,000 | 78,738,000 |