Call reports 2020
UNITED ORIENT BANK — 2020
What UNITED ORIENT BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 79,607,000 | 84,584,000 | 83,752,000 | 85,132,000 |
| Total loans | 64,877,000 | 64,736,000 | 67,947,000 | 71,623,000 |
| Allowance for loan losses | 1,027,000 | 1,027,000 | 1,027,000 | 1,027,000 |
| Securities available for sale | 2,014,000 | 2,010,000 | 2,007,000 | 2,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,377,000 | 68,375,000 | 67,855,000 | 69,538,000 |
| Interest-bearing deposits | 45,642,000 | 46,758,000 | 47,811,000 | 50,158,000 |
| Noninterest-bearing deposits | 19,735,000 | 21,617,000 | 20,044,000 | 19,380,000 |
| Equity capital | 13,832,000 | 13,724,000 | 13,554,000 | 13,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,240,000 | 3,272,000 | 4,301,000 |
| Interest expense | 81,000 | 164,000 | 252,000 | 339,000 |
| Net interest income | 1,093,000 | 2,076,000 | 3,020,000 | 3,962,000 |
| Noninterest income | 49,000 | 94,000 | 140,000 | 181,000 |
| Noninterest expense | 1,149,000 | 2,271,000 | 3,419,000 | 4,592,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | -101,000 | -259,000 | -449,000 |
| Income tax | 6,000 | 17,000 | 27,000 | -172,000 |
| Net income | -13,000 | -118,000 | -286,000 | -277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,826,000 | 13,720,000 | 13,553,000 | 13,563,000 |