Call reports 2003
UNITED ORIENT BANK — 2003
What UNITED ORIENT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 94,463,000 | 96,881,000 | 96,615,000 | 90,997,000 |
| Total loans | 57,529,000 | 62,238,000 | 63,086,000 | 66,191,000 |
| Allowance for loan losses | 987,000 | 1,024,000 | 1,057,000 | 1,171,000 |
| Securities available for sale | 18,808,000 | 25,234,000 | 20,945,000 | 15,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,903,000 | 84,325,000 | 84,154,000 | 79,769,000 |
| Interest-bearing deposits | 56,594,000 | 56,241,000 | 56,953,000 | 53,951,000 |
| Noninterest-bearing deposits | 25,309,000 | 28,085,000 | 27,201,000 | 25,818,000 |
| Equity capital | 8,441,000 | 8,527,000 | 8,502,000 | 8,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,446,000 | 3,690,000 | 4,796,000 |
| Interest expense | 200,000 | 381,000 | 549,000 | 693,000 |
| Net interest income | 1,040,000 | 2,065,000 | 3,141,000 | 4,103,000 |
| Noninterest income | 119,000 | 236,000 | 366,000 | 483,000 |
| Noninterest expense | 1,060,000 | 2,114,000 | 3,175,000 | 4,355,000 |
| Provision for loan losses | 18,000 | 42,000 | 66,000 | 180,000 |
| Pretax income | 81,000 | 145,000 | 266,000 | 125,000 |
| Income tax | 39,000 | 69,000 | 27,000 | -65,000 |
| Net income | 42,000 | 76,000 | 239,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,140,000 | 8,155,000 | 8,297,000 | 8,224,000 |
| Total capital | 8,861,000 | 8,913,000 | 9,013,000 | 8,946,000 |
| Risk-weighted assets | 57,416,000 | 60,335,000 | 57,765,000 | 57,575,000 |