Call reports 2002
UNITED ORIENT BANK — 2002
What UNITED ORIENT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 90,800,000 | 93,811,000 | 95,914,000 | 95,460,000 |
| Total loans | 50,940,000 | 53,417,000 | 57,060,000 | 57,863,000 |
| Allowance for loan losses | 863,000 | 862,000 | 980,000 | 966,000 |
| Securities available for sale | 29,397,000 | 31,552,000 | 26,768,000 | 22,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,897,000 | 79,864,000 | 83,017,000 | 82,674,000 |
| Interest-bearing deposits | 55,581,000 | 54,578,000 | 55,547,000 | 56,887,000 |
| Noninterest-bearing deposits | 23,316,000 | 25,287,000 | 27,471,000 | 25,788,000 |
| Equity capital | 8,024,000 | 8,399,000 | 8,610,000 | 8,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,378,000 | 2,760,000 | 4,163,000 | 5,469,000 |
| Interest expense | 299,000 | 560,000 | 815,000 | 1,048,000 |
| Net interest income | 1,079,000 | 2,200,000 | 3,348,000 | 4,421,000 |
| Noninterest income | 116,000 | 374,000 | 507,000 | 665,000 |
| Noninterest expense | 948,000 | 2,250,000 | 3,347,000 | 4,572,000 |
| Provision for loan losses | 6,000 | 48,000 | 164,000 | 175,000 |
| Pretax income | 241,000 | 276,000 | 419,000 | 414,000 |
| Income tax | 117,000 | 133,000 | 201,000 | 199,000 |
| Net income | 124,000 | 143,000 | 218,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,998,000 | 8,197,000 | 8,113,000 | 8,112,000 |
| Total capital | 8,700,000 | 8,918,000 | 8,879,000 | 8,843,000 |
| Risk-weighted assets | 55,967,000 | 57,560,000 | 61,064,000 | 58,209,000 |