Call reports 2012
UNITED ORIENT BANK — 2012
What UNITED ORIENT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 95,062,000 | 94,812,000 | 93,347,000 | 99,874,000 |
| Total loans | 83,387,000 | 83,582,000 | 82,117,000 | 82,347,000 |
| Allowance for loan losses | 1,164,000 | 1,157,000 | 1,122,000 | 1,114,000 |
| Securities available for sale | 1,621,000 | 1,567,000 | 1,494,000 | 2,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,270,000 | 79,699,000 | 78,026,000 | 84,430,000 |
| Interest-bearing deposits | 65,421,000 | 64,274,000 | 62,037,000 | 66,672,000 |
| Noninterest-bearing deposits | 14,849,000 | 15,425,000 | 15,989,000 | 17,758,000 |
| Equity capital | 10,404,000 | 10,565,000 | 10,726,000 | 10,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,743,000 | 4,122,000 | 5,498,000 |
| Interest expense | 153,000 | 293,000 | 425,000 | 552,000 |
| Net interest income | 1,206,000 | 2,450,000 | 3,697,000 | 4,946,000 |
| Noninterest income | 51,000 | 109,000 | 161,000 | 210,000 |
| Noninterest expense | 1,065,000 | 2,083,000 | 3,120,000 | 4,155,000 |
| Provision for loan losses | 113,000 | 106,000 | 71,000 | 63,000 |
| Pretax income | 79,000 | 370,000 | 667,000 | 938,000 |
| Income tax | 36,000 | 167,000 | 299,000 | 421,000 |
| Net income | 43,000 | 203,000 | 368,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,389,000 | 10,549,000 | 10,714,000 | 10,863,000 |
| Total capital | 11,373,000 | 11,530,000 | 11,677,000 | 11,825,000 |
| Risk-weighted assets | 78,478,000 | 78,271,000 | 76,792,000 | 76,730,000 |