Call reports 2008
UNITED ORIENT BANK — 2008
What UNITED ORIENT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 92,555,000 | 98,929,000 | 103,904,000 | 112,572,000 |
| Total loans | 69,223,000 | 76,366,000 | 80,723,000 | 85,006,000 |
| Allowance for loan losses | 869,000 | 933,000 | 957,000 | 994,000 |
| Securities available for sale | 15,363,000 | 14,897,000 | 14,311,000 | 12,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,079,000 | 81,586,000 | 83,978,000 | 91,994,000 |
| Interest-bearing deposits | 58,471,000 | 63,245,000 | 65,911,000 | 74,707,000 |
| Noninterest-bearing deposits | 18,608,000 | 18,341,000 | 18,067,000 | 17,287,000 |
| Equity capital | 9,548,000 | 9,384,000 | 9,188,000 | 9,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 3,005,000 | 4,598,000 | 6,244,000 |
| Interest expense | 573,000 | 1,134,000 | 1,739,000 | 2,392,000 |
| Net interest income | 919,000 | 1,871,000 | 2,859,000 | 3,852,000 |
| Noninterest income | 74,000 | 144,000 | 209,000 | 269,000 |
| Noninterest expense | 961,000 | 1,919,000 | 2,885,000 | 3,904,000 |
| Provision for loan losses | -51,000 | 13,000 | 37,000 | 79,000 |
| Pretax income | 124,000 | 124,000 | 187,000 | 179,000 |
| Income tax | 58,000 | 58,000 | 81,000 | 81,000 |
| Net income | 66,000 | 66,000 | 106,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,526,000 | 9,526,000 | 9,325,000 | 9,558,000 |
| Total capital | 10,430,000 | 10,484,000 | 10,316,000 | 10,572,000 |
| Risk-weighted assets | 72,333,000 | 76,642,000 | 80,935,000 | 85,146,000 |