Call reports 2022
UNITED ORIENT BANK — 2022
What UNITED ORIENT BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 102,502,000 | 105,019,000 | 104,681,000 | 105,857,000 |
| Total loans | 80,408,000 | 82,995,000 | 87,762,000 | 90,740,000 |
| Allowance for loan losses | 1,027,000 | 1,027,000 | 1,072,000 | 1,082,000 |
| Securities available for sale | 3,775,000 | 3,730,000 | 3,627,000 | 3,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,415,000 | 84,261,000 | 76,175,000 | 70,462,000 |
| Interest-bearing deposits | 58,745,000 | 53,854,000 | 51,019,000 | 45,197,000 |
| Noninterest-bearing deposits | 22,670,000 | 30,407,000 | 25,156,000 | 25,265,000 |
| Equity capital | 12,771,000 | 12,712,000 | 12,701,000 | 12,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,108,000 | 2,295,000 | 3,574,000 | 5,002,000 |
| Interest expense | 75,000 | 142,000 | 227,000 | 419,000 |
| Net interest income | 1,033,000 | 2,153,000 | 3,347,000 | 4,583,000 |
| Noninterest income | 45,000 | 97,000 | 146,000 | 193,000 |
| Noninterest expense | 1,174,000 | 2,375,000 | 3,503,000 | 4,679,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 55,000 |
| Pretax income | -96,000 | -125,000 | -55,000 | 42,000 |
| Income tax | 4,000 | 3,000 | 14,000 | 26,000 |
| Net income | -100,000 | -128,000 | -69,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,927,000 | 12,899,000 | 12,958,000 | 13,043,000 |