Call reports 2023
UNITED ORIENT BANK — 2023
What UNITED ORIENT BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 107,952,000 | 100,146,000 | 101,236,000 | 98,241,000 |
| Total loans | 90,674,000 | 85,069,000 | 83,153,000 | 81,143,000 |
| Allowance for loan losses | 1,082,000 | 1,082,000 | 1,082,000 | 1,082,000 |
| Securities available for sale | 3,703,000 | 3,677,000 | 3,702,000 | 3,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,660,000 | 63,906,000 | 62,917,000 | 60,816,000 |
| Interest-bearing deposits | 43,452,000 | 40,855,000 | 41,544,000 | 40,062,000 |
| Noninterest-bearing deposits | 27,208,000 | 23,051,000 | 21,373,000 | 20,754,000 |
| Equity capital | 12,927,000 | 13,015,000 | 13,259,000 | 13,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,536,000 | 3,121,000 | 4,950,000 | 6,573,000 |
| Interest expense | 278,000 | 616,000 | 1,044,000 | 1,495,000 |
| Net interest income | 1,258,000 | 2,505,000 | 3,906,000 | 5,078,000 |
| Noninterest income | 45,000 | 116,000 | 176,000 | 240,000 |
| Noninterest expense | 1,185,000 | 2,358,000 | 3,516,000 | 4,691,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 263,000 | 566,000 | 627,000 |
| Income tax | 29,000 | 68,000 | 145,000 | 160,000 |
| Net income | 89,000 | 195,000 | 421,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,132,000 | 13,239,000 | 13,465,000 | 13,510,000 |