Call reports 2015
UNIVERSITY NATIONAL BANK OF LAWRENCE, THE — 2015
What UNIVERSITY NATIONAL BANK OF LAWRENCE, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 74,259,000 | 73,724,000 | 75,302,000 | 73,076,000 |
| Total loans | 43,918,000 | 45,088,000 | 47,538,000 | 48,134,000 |
| Allowance for loan losses | 957,000 | 931,000 | 932,000 | 928,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,560,000 | 7,600,000 | 7,118,000 | 6,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,378,000 | 63,949,000 | 65,560,000 | 63,403,000 |
| Interest-bearing deposits | 49,033,000 | 48,579,000 | 47,336,000 | 48,379,000 |
| Noninterest-bearing deposits | 15,345,000 | 15,370,000 | 18,224,000 | 15,024,000 |
| Equity capital | 6,748,000 | 6,665,000 | 6,597,000 | 6,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,202,000 | 1,810,000 | 2,444,000 |
| Interest expense | 73,000 | 148,000 | 222,000 | 294,000 |
| Net interest income | 520,000 | 1,054,000 | 1,588,000 | 2,150,000 |
| Noninterest income | 161,000 | 185,000 | 270,000 | 374,000 |
| Noninterest expense | 644,000 | 1,285,000 | 1,972,000 | 2,654,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | -46,000 | -114,000 | -121,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 37,000 | -46,000 | -114,000 | -121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,410,000 | 6,327,000 | 6,259,000 | 6,252,000 |
| Total capital | 6,928,000 | 6,851,000 | 6,804,000 | 6,793,000 |
| Risk-weighted assets | 40,760,000 | 41,339,000 | 43,001,000 | 42,668,000 |