Call reports 2014
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2014
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,358,000 | 71,963,000 | 73,513,000 | 72,615,000 |
| Total loans | 42,390,000 | 44,407,000 | 44,334,000 | 44,029,000 |
| Allowance for loan losses | 1,009,000 | 1,009,000 | 1,016,000 | 958,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,664,000 | 7,609,000 | 7,969,000 | 7,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,593,000 | 62,050,000 | 63,628,000 | 62,798,000 |
| Interest-bearing deposits | 49,582,000 | 49,312,000 | 48,797,000 | 47,042,000 |
| Noninterest-bearing deposits | 12,011,000 | 12,738,000 | 14,831,000 | 15,756,000 |
| Equity capital | 6,617,000 | 6,769,000 | 6,722,000 | 6,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 586,000 | 1,177,000 | 1,789,000 | 2,392,000 |
| Interest expense | 85,000 | 168,000 | 248,000 | 326,000 |
| Net interest income | 501,000 | 1,009,000 | 1,541,000 | 2,066,000 |
| Noninterest income | 136,000 | 443,000 | 558,000 | 693,000 |
| Noninterest expense | 698,000 | 1,357,000 | 2,051,000 | 2,725,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -61,000 | 95,000 | 48,000 | 34,000 |
| Income tax | 0 | 4,000 | 4,000 | 1,000 |
| Net income | -61,000 | 91,000 | 44,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,278,000 | 6,434,000 | 6,387,000 | 6,373,000 |
| Total capital | 6,754,000 | 6,949,000 | 6,896,000 | 6,880,000 |
| Risk-weighted assets | 37,522,000 | 40,730,000 | 40,226,000 | 40,141,000 |