Call reports 2013
UNITED ORIENT BANK — 2013
What UNITED ORIENT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 96,582,000 | 93,356,000 | 91,516,000 | 92,221,000 |
| Total loans | 81,203,000 | 75,018,000 | 73,207,000 | 73,595,000 |
| Allowance for loan losses | 1,107,000 | 980,000 | 1,003,000 | 927,000 |
| Securities available for sale | 3,372,000 | 3,167,000 | 2,942,000 | 2,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,133,000 | 79,745,000 | 78,049,000 | 78,719,000 |
| Interest-bearing deposits | 65,514,000 | 62,534,000 | 60,631,000 | 61,413,000 |
| Noninterest-bearing deposits | 15,619,000 | 17,211,000 | 17,418,000 | 17,306,000 |
| Equity capital | 11,029,000 | 11,043,000 | 10,975,000 | 10,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,338,000 | 2,608,000 | 3,805,000 | 4,971,000 |
| Interest expense | 117,000 | 220,000 | 303,000 | 381,000 |
| Net interest income | 1,221,000 | 2,388,000 | 3,502,000 | 4,590,000 |
| Noninterest income | 57,000 | 116,000 | 167,000 | 215,000 |
| Noninterest expense | 1,003,000 | 2,070,000 | 3,120,000 | 4,120,000 |
| Provision for loan losses | -7,000 | -41,000 | -18,000 | 56,000 |
| Pretax income | 282,000 | 475,000 | 567,000 | 629,000 |
| Income tax | 127,000 | 214,000 | 274,000 | 299,000 |
| Net income | 155,000 | 261,000 | 293,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,018,000 | 11,124,000 | 11,156,000 | 11,193,000 |
| Total capital | 11,972,000 | 11,995,000 | 12,006,000 | 12,045,000 |
| Risk-weighted assets | 76,151,000 | 69,553,000 | 67,740,000 | 68,039,000 |
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