Call reports 2003
ONEUNITED BANK — 2003
What ONEUNITED BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 448,393,000 | 456,742,000 | 441,069,000 | 438,612,000 |
| Total loans | 241,186,000 | 311,245,000 | 302,014,000 | 300,900,000 |
| Allowance for loan losses | 2,209,000 | 2,510,000 | 2,571,000 | 2,523,000 |
| Securities available for sale | 141,527,000 | 109,915,000 | 108,422,000 | 104,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,930,000 | 348,374,000 | 345,883,000 | 327,572,000 |
| Interest-bearing deposits | 316,437,000 | 308,998,000 | 302,557,000 | 287,115,000 |
| Noninterest-bearing deposits | 39,494,000 | 39,376,000 | 43,326,000 | 40,457,000 |
| Equity capital | 25,018,000 | 24,443,000 | 26,683,000 | 26,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,085,000 | 9,998,000 | 15,252,000 | 21,064,000 |
| Interest expense | 1,592,000 | 2,826,000 | 4,074,000 | 5,288,000 |
| Net interest income | 3,493,000 | 7,172,000 | 11,178,000 | 15,776,000 |
| Noninterest income | 704,000 | 1,341,000 | 2,019,000 | 2,889,000 |
| Noninterest expense | 3,970,000 | 8,251,000 | 12,712,000 | 16,496,000 |
| Provision for loan losses | 210,000 | 420,000 | 510,000 | 600,000 |
| Pretax income | 421,000 | 946,000 | 1,135,000 | 2,272,000 |
| Income tax | 146,000 | 379,000 | 408,000 | 872,000 |
| Net income | 275,000 | 567,000 | 727,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,098,000 | 22,733,000 | 24,541,000 | 24,835,000 |
| Total capital | 25,334,000 | 25,243,000 | 27,112,000 | 28,117,000 |
| Risk-weighted assets | 259,591,000 | 266,447,000 | 264,833,000 | 265,825,000 |