Call reports 2005
UNITED ORIENT BANK — 2005
What UNITED ORIENT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 86,981,000 | 86,420,000 | 81,049,000 | 78,692,000 |
| Total loans | 67,349,000 | 65,007,000 | 65,594,000 | 66,096,000 |
| Allowance for loan losses | 1,014,000 | 973,000 | 1,051,000 | 1,095,000 |
| Securities available for sale | 5,836,000 | 5,236,000 | 4,903,000 | 4,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,995,000 | 75,131,000 | 69,717,000 | 67,261,000 |
| Interest-bearing deposits | 51,381,000 | 50,434,000 | 47,661,000 | 46,033,000 |
| Noninterest-bearing deposits | 24,614,000 | 24,697,000 | 22,055,000 | 21,227,000 |
| Equity capital | 8,500,000 | 8,586,000 | 8,662,000 | 8,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,145,000 | 2,322,000 | 3,524,000 | 4,770,000 |
| Interest expense | 160,000 | 348,000 | 538,000 | 741,000 |
| Net interest income | 985,000 | 1,974,000 | 2,986,000 | 4,029,000 |
| Noninterest income | 110,000 | 201,000 | 288,000 | 364,000 |
| Noninterest expense | 1,031,000 | 2,008,000 | 2,844,000 | 3,784,000 |
| Provision for loan losses | -51,000 | -92,000 | -14,000 | -29,000 |
| Pretax income | 115,000 | 259,000 | 444,000 | 638,000 |
| Income tax | 52,000 | 117,000 | 231,000 | 322,000 |
| Net income | 63,000 | 142,000 | 213,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,537,000 | 8,617,000 | 8,705,000 | 8,795,000 |
| Total capital | 9,300,000 | 9,374,000 | 9,452,000 | 9,531,000 |
| Risk-weighted assets | 60,699,000 | 60,277,000 | 59,387,000 | 58,466,000 |