Call reports 2011
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2011
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 83,030,000 | 86,740,000 | 74,282,000 | 74,560,000 |
| Total loans | 58,083,000 | 56,290,000 | 54,354,000 | 50,456,000 |
| Allowance for loan losses | 2,904,000 | 2,532,000 | 2,101,000 | 2,105,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,002,000 | 1,002,000 | 1,002,000 | 1,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,433,000 | 73,743,000 | 63,804,000 | 63,039,000 |
| Interest-bearing deposits | 57,210,000 | 54,744,000 | 52,256,000 | 50,935,000 |
| Noninterest-bearing deposits | 11,223,000 | 18,999,000 | 11,548,000 | 12,104,000 |
| Equity capital | 8,418,000 | 6,832,000 | 5,324,000 | 7,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 909,000 | 1,691,000 | 2,508,000 | 3,281,000 |
| Interest expense | 236,000 | 463,000 | 654,000 | 827,000 |
| Net interest income | 673,000 | 1,228,000 | 1,854,000 | 2,454,000 |
| Noninterest income | 139,000 | 225,000 | 384,000 | 399,000 |
| Noninterest expense | 931,000 | 1,828,000 | 2,649,000 | 3,725,000 |
| Provision for loan losses | 217,000 | 1,617,000 | 3,155,000 | 3,155,000 |
| Pretax income | -336,000 | -1,992,000 | -3,566,000 | -4,027,000 |
| Income tax | -12,000 | -82,000 | -148,000 | 0 |
| Net income | -324,000 | -1,910,000 | -3,418,000 | -4,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,075,000 | 6,411,000 | 4,837,000 | 6,975,000 |
| Total capital | 8,707,000 | 7,012,000 | 5,399,000 | 7,508,000 |
| Risk-weighted assets | 48,285,000 | 46,114,000 | 43,409,000 | 41,058,000 |