Call reports 2015
UNITED ORIENT BANK — 2015
What UNITED ORIENT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 99,290,000 | 103,145,000 | 102,298,000 | 100,619,000 |
| Total loans | 80,514,000 | 81,515,000 | 82,776,000 | 83,635,000 |
| Allowance for loan losses | 917,000 | 917,000 | 952,000 | 976,000 |
| Securities available for sale | 3,132,000 | 3,031,000 | 3,069,000 | 3,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,223,000 | 89,040,000 | 88,016,000 | 86,319,000 |
| Interest-bearing deposits | 61,278,000 | 64,779,000 | 62,330,000 | 61,595,000 |
| Noninterest-bearing deposits | 23,945,000 | 24,261,000 | 25,686,000 | 24,724,000 |
| Equity capital | 11,452,000 | 11,497,000 | 11,596,000 | 11,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,206,000 | 2,447,000 | 3,696,000 | 4,947,000 |
| Interest expense | 68,000 | 139,000 | 209,000 | 277,000 |
| Net interest income | 1,138,000 | 2,308,000 | 3,487,000 | 4,670,000 |
| Noninterest income | 44,000 | 93,000 | 134,000 | 184,000 |
| Noninterest expense | 1,048,000 | 2,131,000 | 3,182,000 | 4,244,000 |
| Provision for loan losses | 16,000 | 16,000 | 51,000 | 75,000 |
| Pretax income | 118,000 | 254,000 | 388,000 | 535,000 |
| Income tax | 52,000 | 116,000 | 176,000 | 242,000 |
| Net income | 66,000 | 138,000 | 212,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,452,000 | 11,497,000 | 11,596,000 | 11,657,000 |
| Total capital | 12,386,000 | 12,439,000 | 12,539,000 | 12,596,000 |
| Risk-weighted assets | 74,697,000 | 75,296,000 | 75,406,000 | 75,023,000 |