Call reports 2006
ONEUNITED BANK — 2006
What ONEUNITED BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 566,450,000 | 606,065,000 | 638,156,000 | 653,388,000 |
| Total loans | 424,149,000 | 459,389,000 | 491,578,000 | 502,013,000 |
| Allowance for loan losses | 2,661,000 | 2,664,000 | 2,757,000 | 2,733,000 |
| Securities available for sale | 113,906,000 | 113,175,000 | 114,873,000 | 113,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,061,000 | 370,093,000 | 390,335,000 | 386,495,000 |
| Interest-bearing deposits | 318,610,000 | 328,905,000 | 348,329,000 | 348,747,000 |
| Noninterest-bearing deposits | 42,451,000 | 41,188,000 | 42,006,000 | 37,748,000 |
| Equity capital | 36,255,000 | 35,566,000 | 37,726,000 | 38,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,045,000 | 16,536,000 | 25,895,000 | 35,728,000 |
| Interest expense | 3,059,000 | 7,245,000 | 12,431,000 | 17,982,000 |
| Net interest income | 4,986,000 | 9,291,000 | 13,464,000 | 17,746,000 |
| Noninterest income | 500,000 | 964,000 | 1,945,000 | 2,468,000 |
| Noninterest expense | 4,146,000 | 8,076,000 | 12,070,000 | 16,974,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,340,000 | 2,179,000 | 3,339,000 | 3,350,000 |
| Income tax | 523,000 | 850,000 | 1,302,000 | 1,306,000 |
| Net income | 817,000 | 1,329,000 | 2,037,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,087,000 | 37,835,000 | 38,712,000 | 39,517,000 |
| Total capital | 40,748,000 | 40,499,000 | 41,469,000 | 42,250,000 |
| Risk-weighted assets | 370,534,000 | 390,815,000 | 404,568,000 | 472,181,000 |