Call reports 2007
UNITED ORIENT BANK — 2007
What UNITED ORIENT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 82,362,000 | 84,702,000 | 83,280,000 | 86,551,000 |
| Total loans | 58,530,000 | 59,444,000 | 57,465,000 | 65,464,000 |
| Allowance for loan losses | 855,000 | 852,000 | 839,000 | 920,000 |
| Securities available for sale | 10,489,000 | 13,128,000 | 13,068,000 | 9,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,279,000 | 74,584,000 | 73,052,000 | 76,098,000 |
| Interest-bearing deposits | 55,784,000 | 56,888,000 | 57,288,000 | 58,380,000 |
| Noninterest-bearing deposits | 16,496,000 | 17,697,000 | 15,764,000 | 17,718,000 |
| Equity capital | 9,320,000 | 9,270,000 | 9,418,000 | 9,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 2,970,000 | 4,452,000 | 6,010,000 |
| Interest expense | 496,000 | 1,014,000 | 1,560,000 | 2,123,000 |
| Net interest income | 975,000 | 1,956,000 | 2,892,000 | 3,887,000 |
| Noninterest income | 77,000 | 170,000 | 241,000 | 314,000 |
| Noninterest expense | 990,000 | 1,952,000 | 2,885,000 | 3,907,000 |
| Provision for loan losses | -44,000 | -47,000 | -60,000 | 21,000 |
| Pretax income | 119,000 | 234,000 | 321,000 | 286,000 |
| Income tax | 48,000 | 100,000 | 138,000 | 122,000 |
| Net income | 71,000 | 134,000 | 183,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,367,000 | 9,430,000 | 9,479,000 | 9,460,000 |
| Total capital | 10,071,000 | 10,245,000 | 10,285,000 | 10,333,000 |
| Risk-weighted assets | 56,149,000 | 65,093,000 | 64,377,000 | 69,731,000 |