Call reports 2016
UNITED ORIENT BANK — 2016
What UNITED ORIENT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,553,000 | 93,810,000 | 93,456,000 | 95,759,000 |
| Total loans | 82,763,000 | 81,617,000 | 85,439,000 | 84,601,000 |
| Allowance for loan losses | 976,000 | 976,000 | 976,000 | 979,000 |
| Securities available for sale | 2,068,000 | 1,237,000 | 3,045,000 | 2,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,076,000 | 79,288,000 | 76,824,000 | 79,071,000 |
| Interest-bearing deposits | 58,772,000 | 56,388,000 | 56,747,000 | 56,880,000 |
| Noninterest-bearing deposits | 22,304,000 | 22,900,000 | 20,077,000 | 22,191,000 |
| Equity capital | 11,790,000 | 11,865,000 | 11,986,000 | 12,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,278,000 | 2,512,000 | 3,764,000 | 5,026,000 |
| Interest expense | 63,000 | 126,000 | 189,000 | 260,000 |
| Net interest income | 1,215,000 | 2,386,000 | 3,575,000 | 4,766,000 |
| Noninterest income | 48,000 | 95,000 | 135,000 | 191,000 |
| Noninterest expense | 1,068,000 | 2,150,000 | 3,177,000 | 4,215,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 195,000 | 334,000 | 537,000 | 746,000 |
| Income tax | 88,000 | 151,000 | 230,000 | 315,000 |
| Net income | 107,000 | 183,000 | 307,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,790,000 | 11,865,000 | 11,986,000 | 12,094,000 |
| Total capital | 12,724,000 | 12,780,000 | 12,940,000 | 13,034,000 |
| Risk-weighted assets | 74,630,000 | 73,061,000 | 76,253,000 | 75,051,000 |
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