Call reports 2002
ONEUNITED BANK — 2002
What ONEUNITED BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 264,379,000 | 252,414,000 | 253,492,000 | 500,369,000 |
| Total loans | 86,329,000 | 78,793,000 | 71,530,000 | 246,322,000 |
| Allowance for loan losses | 1,626,000 | 1,275,000 | 1,317,000 | 2,467,000 |
| Securities available for sale | 133,060,000 | 129,399,000 | 136,224,000 | 155,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,865,000 | 214,471,000 | 215,097,000 | 342,564,000 |
| Interest-bearing deposits | 181,824,000 | 178,124,000 | 179,230,000 | 302,762,000 |
| Noninterest-bearing deposits | 41,041,000 | 36,347,000 | 35,867,000 | 39,801,000 |
| Equity capital | 18,854,000 | 19,140,000 | 19,430,000 | 24,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,185,000 | 8,515,000 | 12,433,000 | 15,528,000 |
| Interest expense | 1,114,000 | 2,095,000 | 3,026,000 | 3,903,000 |
| Net interest income | 3,071,000 | 6,420,000 | 9,407,000 | 11,625,000 |
| Noninterest income | 521,000 | 1,074,000 | 1,583,000 | 2,034,000 |
| Noninterest expense | 2,859,000 | 5,697,000 | 8,534,000 | 12,037,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 940,000 |
| Pretax income | 529,000 | -458,000 | 808,000 | 1,407,000 |
| Income tax | 219,000 | -184,000 | 336,000 | 581,000 |
| Net income | 310,000 | -274,000 | 472,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,693,000 | 16,214,000 | 18,341,000 | 22,007,000 |
| Total capital | 18,459,000 | 17,629,000 | 19,658,000 | 24,474,000 |
| Risk-weighted assets | 139,937,000 | 142,161,000 | 142,841,000 | 272,351,000 |