Call reports 2010
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2010
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 96,006,000 | 92,730,000 | 91,090,000 | 87,533,000 |
| Total loans | 73,922,000 | 69,676,000 | 66,018,000 | 62,729,000 |
| Allowance for loan losses | 3,430,000 | 3,150,000 | 3,016,000 | 2,942,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,911,000 | 74,982,000 | 74,632,000 | 72,832,000 |
| Interest-bearing deposits | 65,831,000 | 63,395,000 | 63,352,000 | 60,754,000 |
| Noninterest-bearing deposits | 12,080,000 | 11,587,000 | 11,280,000 | 12,078,000 |
| Equity capital | 9,911,000 | 9,566,000 | 9,253,000 | 8,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,151,000 | 2,222,000 | 3,268,000 | 4,247,000 |
| Interest expense | 342,000 | 666,000 | 956,000 | 1,226,000 |
| Net interest income | 809,000 | 1,556,000 | 2,312,000 | 3,021,000 |
| Noninterest income | 188,000 | 406,000 | 607,000 | 522,000 |
| Noninterest expense | 988,000 | 1,950,000 | 2,884,000 | 4,005,000 |
| Provision for loan losses | 350,000 | 870,000 | 1,220,000 | 2,195,000 |
| Pretax income | -341,000 | -858,000 | -1,185,000 | -2,657,000 |
| Income tax | -14,000 | -36,000 | -50,000 | -111,000 |
| Net income | -327,000 | -822,000 | -1,135,000 | -2,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,686,000 | 9,339,000 | 8,982,000 | 8,202,000 |
| Total capital | 10,494,000 | 10,110,000 | 9,712,000 | 8,880,000 |
| Risk-weighted assets | 62,054,000 | 59,280,000 | 56,091,000 | 52,008,000 |