Call reports 2014
UNITED ORIENT BANK — 2014
What UNITED ORIENT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 92,708,000 | 91,328,000 | 92,891,000 | 98,331,000 |
| Total loans | 79,887,000 | 81,747,000 | 79,733,000 | 77,454,000 |
| Allowance for loan losses | 917,000 | 905,000 | 903,000 | 901,000 |
| Securities available for sale | 2,925,000 | 2,992,000 | 2,997,000 | 3,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,222,000 | 77,710,000 | 79,158,000 | 84,383,000 |
| Interest-bearing deposits | 58,652,000 | 58,582,000 | 57,871,000 | 60,396,000 |
| Noninterest-bearing deposits | 20,570,000 | 19,128,000 | 21,287,000 | 23,987,000 |
| Equity capital | 10,927,000 | 11,056,000 | 11,171,000 | 11,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,187,000 | 2,456,000 | 3,694,000 | 4,989,000 |
| Interest expense | 74,000 | 143,000 | 212,000 | 280,000 |
| Net interest income | 1,113,000 | 2,313,000 | 3,482,000 | 4,709,000 |
| Noninterest income | 48,000 | 105,000 | 151,000 | 196,000 |
| Noninterest expense | 1,050,000 | 2,081,000 | 3,108,000 | 4,146,000 |
| Provision for loan losses | 308,000 | 383,000 | 381,000 | 406,000 |
| Pretax income | -197,000 | -46,000 | 144,000 | 353,000 |
| Income tax | -89,000 | -21,000 | 65,000 | 159,000 |
| Net income | -108,000 | -25,000 | 79,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,084,000 | 11,168,000 | 11,271,000 | 11,386,000 |
| Total capital | 12,014,000 | 12,111,000 | 12,203,000 | 12,295,000 |
| Risk-weighted assets | 74,367,000 | 75,452,000 | 74,490,000 | 72,660,000 |