Call reports 2004
UNITED ORIENT BANK — 2004
What UNITED ORIENT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,763,000 | 91,344,000 | 89,096,000 | 84,280,000 |
| Total loans | 66,190,000 | 71,319,000 | 75,568,000 | 70,868,000 |
| Allowance for loan losses | 995,000 | 1,018,000 | 1,043,000 | 1,065,000 |
| Securities available for sale | 13,344,000 | 11,755,000 | 7,594,000 | 6,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,489,000 | 79,913,000 | 77,994,000 | 73,318,000 |
| Interest-bearing deposits | 52,840,000 | 50,953,000 | 51,389,000 | 48,642,000 |
| Noninterest-bearing deposits | 27,649,000 | 28,960,000 | 26,605,000 | 24,676,000 |
| Equity capital | 8,372,000 | 8,308,000 | 8,341,000 | 8,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,204,000 | 3,367,000 | 4,481,000 |
| Interest expense | 132,000 | 255,000 | 389,000 | 530,000 |
| Net interest income | 987,000 | 1,949,000 | 2,978,000 | 3,951,000 |
| Noninterest income | 115,000 | 235,000 | 352,000 | 448,000 |
| Noninterest expense | 1,156,000 | 2,274,000 | 3,406,000 | 4,281,000 |
| Provision for loan losses | -80,000 | -60,000 | -35,000 | 5,000 |
| Pretax income | 26,000 | -30,000 | -176,000 | -22,000 |
| Income tax | 63,000 | -100,000 | -83,000 | -55,000 |
| Net income | -37,000 | 70,000 | -93,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,203,000 | 8,267,000 | 8,346,000 | 8,473,000 |
| Total capital | 8,946,000 | 9,053,000 | 9,160,000 | 9,241,000 |
| Risk-weighted assets | 59,206,000 | 62,576,000 | 64,891,000 | 61,157,000 |