Call reports 2009
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2009
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 117,792,000 | 115,540,000 | 106,065,000 | 97,068,000 |
| Total loans | 94,676,000 | 89,761,000 | 83,926,000 | 79,643,000 |
| Allowance for loan losses | 1,997,000 | 2,049,000 | 4,503,000 | 4,067,000 |
| 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 | 96,372,000 | 92,959,000 | 87,712,000 | 78,672,000 |
| Interest-bearing deposits | 85,008,000 | 81,038,000 | 76,297,000 | 66,172,000 |
| Noninterest-bearing deposits | 11,364,000 | 11,921,000 | 11,415,000 | 12,500,000 |
| Equity capital | 12,258,000 | 13,302,000 | 10,149,000 | 10,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,601,000 | 3,018,000 | 4,137,000 | 5,590,000 |
| Interest expense | 597,000 | 1,149,000 | 1,644,000 | 2,068,000 |
| Net interest income | 1,004,000 | 1,869,000 | 2,493,000 | 3,522,000 |
| Noninterest income | 182,000 | 396,000 | 521,000 | 642,000 |
| Noninterest expense | 829,000 | 1,852,000 | 2,853,000 | 4,225,000 |
| Provision for loan losses | 300,000 | 1,041,000 | 4,341,000 | 4,496,000 |
| Pretax income | 57,000 | -628,000 | -4,180,000 | -4,557,000 |
| Income tax | 3,000 | -26,000 | -175,000 | -191,000 |
| Net income | 54,000 | -602,000 | -4,005,000 | -4,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,258,000 | 13,302,000 | 10,149,000 | 10,238,000 |
| Total capital | 13,279,000 | 14,256,000 | 11,050,000 | 11,168,000 |
| Risk-weighted assets | 80,665,000 | 75,248,000 | 68,497,000 | 71,267,000 |