Call reports 2010
UNITED ORIENT BANK — 2010
What UNITED ORIENT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 102,533,000 | 104,571,000 | 96,580,000 | 89,722,000 |
| Total loans | 87,816,000 | 84,277,000 | 79,937,000 | 78,164,000 |
| Allowance for loan losses | 1,332,000 | 1,179,000 | 1,153,000 | 1,131,000 |
| Securities available for sale | 2,496,000 | 5,361,000 | 6,215,000 | 2,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,214,000 | 92,189,000 | 85,068,000 | 79,220,000 |
| Interest-bearing deposits | 73,908,000 | 72,189,000 | 67,116,000 | 63,087,000 |
| Noninterest-bearing deposits | 16,306,000 | 20,000,000 | 17,952,000 | 16,133,000 |
| Equity capital | 9,714,000 | 9,805,000 | 9,874,000 | 10,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,838,000 | 4,251,000 | 5,599,000 |
| Interest expense | 341,000 | 644,000 | 914,000 | 1,110,000 |
| Net interest income | 1,109,000 | 2,194,000 | 3,337,000 | 4,489,000 |
| Noninterest income | 54,000 | 121,000 | 176,000 | 242,000 |
| Noninterest expense | 953,000 | 1,924,000 | 2,998,000 | 3,995,000 |
| Provision for loan losses | 93,000 | 127,000 | 101,000 | 79,000 |
| Pretax income | 121,000 | 268,000 | 418,000 | 661,000 |
| Income tax | 55,000 | 121,000 | 194,000 | 302,000 |
| Net income | 66,000 | 147,000 | 224,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,689,000 | 9,770,000 | 9,846,000 | 9,982,000 |
| Total capital | 10,738,000 | 10,785,000 | 10,813,000 | 10,915,000 |
| Risk-weighted assets | 83,655,000 | 81,047,000 | 77,107,000 | 74,386,000 |