Call reports 2005
ONEUNITED BANK — 2005
What ONEUNITED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 484,754,000 | 494,180,000 | 518,830,000 | 540,677,000 |
| Total loans | 358,090,000 | 370,516,000 | 388,162,000 | 405,940,000 |
| Allowance for loan losses | 2,550,000 | 2,547,000 | 2,648,000 | 2,651,000 |
| Securities available for sale | 93,695,000 | 93,333,000 | 101,774,000 | 105,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,981,000 | 332,064,000 | 337,911,000 | 344,126,000 |
| Interest-bearing deposits | 297,755,000 | 285,146,000 | 288,125,000 | 299,940,000 |
| Noninterest-bearing deposits | 43,226,000 | 46,918,000 | 49,786,000 | 44,185,000 |
| Equity capital | 32,106,000 | 33,637,000 | 34,885,000 | 36,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,163,000 | 12,703,000 | 20,340,000 | 27,843,000 |
| Interest expense | 1,815,000 | 3,897,000 | 6,504,000 | 9,618,000 |
| Net interest income | 4,348,000 | 8,806,000 | 13,836,000 | 18,225,000 |
| Noninterest income | 641,000 | 3,118,000 | 4,212,000 | 8,476,000 |
| Noninterest expense | 3,852,000 | 8,727,000 | 12,800,000 | 18,762,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 1,087,000 | 3,147,000 | 5,198,000 | 7,889,000 |
| Income tax | 424,000 | 1,327,000 | 2,127,000 | 2,363,000 |
| Net income | 663,000 | 1,820,000 | 3,071,000 | 5,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,993,000 | 33,085,000 | 35,082,000 | 37,654,000 |
| Total capital | 34,543,000 | 35,632,000 | 37,730,000 | 40,305,000 |
| Risk-weighted assets | 306,962,000 | 317,109,000 | 369,011,000 | 350,406,000 |