Call reports 2004
ONEUNITED BANK — 2004
What ONEUNITED BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 442,855,000 | 446,337,000 | 465,123,000 | 478,565,000 |
| Total loans | 287,791,000 | 291,048,000 | 339,106,000 | 359,116,000 |
| Allowance for loan losses | 2,534,000 | 2,213,000 | 2,323,000 | 2,428,000 |
| Securities available for sale | 98,025,000 | 121,827,000 | 96,905,000 | 91,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,735,000 | 336,125,000 | 329,306,000 | 329,229,000 |
| Interest-bearing deposits | 280,736,000 | 289,800,000 | 286,089,000 | 289,105,000 |
| Noninterest-bearing deposits | 46,999,000 | 46,325,000 | 43,217,000 | 40,124,000 |
| Equity capital | 28,810,000 | 27,666,000 | 30,187,000 | 30,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,401,000 | 11,118,000 | 16,979,000 | 23,145,000 |
| Interest expense | 1,153,000 | 2,259,000 | 3,561,000 | 5,199,000 |
| Net interest income | 4,248,000 | 8,859,000 | 13,418,000 | 17,946,000 |
| Noninterest income | 2,438,000 | 3,020,000 | 5,206,000 | 5,801,000 |
| Noninterest expense | 4,874,000 | 8,687,000 | 12,667,000 | 16,833,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,838,000 | 3,340,000 | 6,229,000 | 7,505,000 |
| Income tax | 732,000 | 1,303,000 | 2,429,000 | 3,032,000 |
| Net income | 1,106,000 | 2,037,000 | 3,800,000 | 4,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,635,000 | 27,334,000 | 29,002,000 | 29,378,000 |
| Total capital | 29,892,000 | 29,547,000 | 31,458,000 | 31,806,000 |
| Risk-weighted assets | 235,195,000 | 267,128,000 | 283,818,000 | 306,542,000 |