Call reports 2012
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2012
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 70,277,000 | 68,383,000 | 69,480,000 | 71,124,000 |
| Total loans | 47,321,000 | 44,978,000 | 43,853,000 | 43,977,000 |
| Allowance for loan losses | 1,991,000 | 2,002,000 | 2,006,000 | 1,714,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,038,000 | 3,069,000 | 3,436,000 | 3,220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,834,000 | 57,094,000 | 59,228,000 | 61,032,000 |
| Interest-bearing deposits | 48,229,000 | 47,015,000 | 48,697,000 | 50,556,000 |
| Noninterest-bearing deposits | 10,605,000 | 10,079,000 | 10,531,000 | 10,476,000 |
| Equity capital | 7,270,000 | 7,128,000 | 7,063,000 | 6,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,390,000 | 2,058,000 | 2,677,000 |
| Interest expense | 149,000 | 283,000 | 414,000 | 534,000 |
| Net interest income | 563,000 | 1,107,000 | 1,644,000 | 2,143,000 |
| Noninterest income | 110,000 | 221,000 | 302,000 | 440,000 |
| Noninterest expense | 718,000 | 1,515,000 | 2,198,000 | 2,946,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -45,000 | -187,000 | -252,000 | -363,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -45,000 | -187,000 | -252,000 | -363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,930,000 | 6,788,000 | 6,724,000 | 6,613,000 |
| Total capital | 7,432,000 | 7,267,000 | 7,211,000 | 7,108,000 |
| Risk-weighted assets | 38,636,000 | 36,785,000 | 37,439,000 | 38,356,000 |