Call reports 2009
UNITED ORIENT BANK — 2009
What UNITED ORIENT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 111,620,000 | 107,602,000 | 105,508,000 | 105,727,000 |
| Total loans | 87,242,000 | 87,514,000 | 89,456,000 | 87,975,000 |
| Allowance for loan losses | 1,029,000 | 1,208,000 | 1,211,000 | 1,239,000 |
| Securities available for sale | 15,846,000 | 10,224,000 | 7,974,000 | 4,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,017,000 | 89,027,000 | 84,233,000 | 88,486,000 |
| Interest-bearing deposits | 75,925,000 | 72,885,000 | 68,685,000 | 72,939,000 |
| Noninterest-bearing deposits | 16,092,000 | 16,141,000 | 15,548,000 | 15,547,000 |
| Equity capital | 9,616,000 | 9,471,000 | 9,590,000 | 9,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,618,000 | 3,196,000 | 4,752,000 | 6,247,000 |
| Interest expense | 647,000 | 1,228,000 | 1,714,000 | 2,140,000 |
| Net interest income | 971,000 | 1,968,000 | 3,038,000 | 4,107,000 |
| Noninterest income | 60,000 | 130,000 | 184,000 | 240,000 |
| Noninterest expense | 971,000 | 2,031,000 | 3,029,000 | 4,029,000 |
| Provision for loan losses | 35,000 | 213,000 | 213,000 | 241,000 |
| Pretax income | 25,000 | -146,000 | -14,000 | 83,000 |
| Income tax | 10,000 | -85,000 | -25,000 | 19,000 |
| Net income | 15,000 | -61,000 | 11,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,573,000 | 9,497,000 | 9,569,000 | 9,623,000 |
| Total capital | 10,620,000 | 10,552,000 | 10,640,000 | 10,686,000 |
| Risk-weighted assets | 85,073,000 | 84,213,000 | 85,500,000 | 84,823,000 |