Call reports 2007
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2007
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,786,000 | 97,431,000 | 96,090,000 | 98,911,000 |
| Total loans | 83,809,000 | 88,036,000 | 93,617,000 | 92,954,000 |
| Allowance for loan losses | 710,000 | 725,000 | 797,000 | 797,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 105,000 | 105,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,118,000 | 84,986,000 | 80,051,000 | 86,022,000 |
| Interest-bearing deposits | 65,779,000 | 68,451,000 | 67,517,000 | 73,544,000 |
| Noninterest-bearing deposits | 14,339,000 | 16,535,000 | 12,534,000 | 12,478,000 |
| Equity capital | 12,505,000 | 12,308,000 | 12,571,000 | 12,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,868,000 | 3,791,000 | 5,918,000 | 8,052,000 |
| Interest expense | 628,000 | 1,276,000 | 2,035,000 | 2,809,000 |
| Net interest income | 1,240,000 | 2,515,000 | 3,883,000 | 5,243,000 |
| Noninterest income | 197,000 | 370,000 | 501,000 | 727,000 |
| Noninterest expense | 665,000 | 1,365,000 | 2,125,000 | 3,100,000 |
| Provision for loan losses | 7,000 | 22,000 | 94,000 | 94,000 |
| Pretax income | 765,000 | 1,498,000 | 2,165,000 | 2,776,000 |
| Income tax | 32,000 | 62,000 | 91,000 | 117,000 |
| Net income | 733,000 | 1,436,000 | 2,074,000 | 2,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,505,000 | 12,308,000 | 12,571,000 | 12,781,000 |
| Total capital | 13,215,000 | 13,033,000 | 13,368,000 | 13,578,000 |
| Risk-weighted assets | 72,290,000 | 75,847,000 | 78,329,000 | 77,610,000 |