Call reports 2008
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2008
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 121,981,000 | 112,980,000 | 119,945,000 | 115,705,000 |
| Total loans | 92,970,000 | 106,811,000 | 102,103,000 | 97,942,000 |
| Allowance for loan losses | 797,000 | 1,000,000 | 1,844,000 | 1,861,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,734,000 | 99,859,000 | 100,637,000 | 96,379,000 |
| Interest-bearing deposits | 96,421,000 | 82,682,000 | 88,060,000 | 82,390,000 |
| Noninterest-bearing deposits | 12,313,000 | 17,177,000 | 12,577,000 | 13,989,000 |
| Equity capital | 13,128,000 | 12,867,000 | 12,173,000 | 12,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,069,000 | 4,224,000 | 6,195,000 | 8,049,000 |
| Interest expense | 828,000 | 1,519,000 | 2,239,000 | 2,926,000 |
| Net interest income | 1,241,000 | 2,705,000 | 3,956,000 | 5,123,000 |
| Noninterest income | 259,000 | 482,000 | 614,000 | 762,000 |
| Noninterest expense | 746,000 | 1,558,000 | 2,393,000 | 3,280,000 |
| Provision for loan losses | 0 | 286,000 | 1,401,000 | 1,797,000 |
| Pretax income | 754,000 | 1,343,000 | 776,000 | 808,000 |
| Income tax | 32,000 | 57,000 | 34,000 | 35,000 |
| Net income | 722,000 | 1,286,000 | 742,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,128,000 | 12,867,000 | 12,173,000 | 12,204,000 |
| Total capital | 13,925,000 | 13,867,000 | 13,267,000 | 13,234,000 |
| Risk-weighted assets | 83,671,000 | 91,351,000 | 86,759,000 | 81,548,000 |