Call reports 2006
UNITED ORIENT BANK — 2006
What UNITED ORIENT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 77,371,000 | 75,665,000 | 88,777,000 | 88,541,000 |
| Total loans | 64,249,000 | 62,067,000 | 61,403,000 | 61,085,000 |
| Allowance for loan losses | 960,000 | 843,000 | 862,000 | 899,000 |
| Securities available for sale | 4,690,000 | 4,422,000 | 11,264,000 | 13,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,876,000 | 65,861,000 | 78,661,000 | 78,242,000 |
| Interest-bearing deposits | 45,922,000 | 46,889,000 | 61,497,000 | 59,182,000 |
| Noninterest-bearing deposits | 19,955,000 | 18,973,000 | 17,164,000 | 19,060,000 |
| Equity capital | 8,924,000 | 9,069,000 | 9,175,000 | 9,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,419,000 | 2,831,000 | 4,240,000 | 5,804,000 |
| Interest expense | 221,000 | 487,000 | 879,000 | 1,415,000 |
| Net interest income | 1,198,000 | 2,344,000 | 3,361,000 | 4,389,000 |
| Noninterest income | 87,000 | 206,000 | 288,000 | 371,000 |
| Noninterest expense | 993,000 | 2,062,000 | 3,034,000 | 3,948,000 |
| Provision for loan losses | -72,000 | -189,000 | -170,000 | -63,000 |
| Pretax income | 364,000 | 677,000 | 785,000 | 877,000 |
| Income tax | 172,000 | 315,000 | 349,000 | 389,000 |
| Net income | 192,000 | 362,000 | 436,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,988,000 | 9,161,000 | 9,241,000 | 9,296,000 |
| Total capital | 9,708,000 | 9,849,000 | 9,973,000 | 10,009,000 |
| Risk-weighted assets | 57,363,000 | 54,834,000 | 58,417,000 | 56,415,000 |