Call reports 2007
ONEUNITED BANK — 2007
What ONEUNITED BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 649,423,000 | 644,254,000 | 633,002,000 | 652,713,000 |
| Total loans | 491,916,000 | 476,287,000 | 460,902,000 | 432,032,000 |
| Allowance for loan losses | 2,723,000 | 3,929,000 | 3,800,000 | 3,342,000 |
| Securities available for sale | 119,108,000 | 127,959,000 | 138,169,000 | 189,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,402,000 | 381,131,000 | 357,574,000 | 368,915,000 |
| Interest-bearing deposits | 351,360,000 | 340,186,000 | 322,824,000 | 336,025,000 |
| Noninterest-bearing deposits | 39,041,000 | 40,945,000 | 34,750,000 | 32,890,000 |
| Equity capital | 39,595,000 | 37,992,000 | 39,528,000 | 40,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,996,000 | 19,929,000 | 29,834,000 | 39,953,000 |
| Interest expense | 5,490,000 | 10,902,000 | 16,173,000 | 21,475,000 |
| Net interest income | 4,506,000 | 9,027,000 | 13,661,000 | 18,478,000 |
| Noninterest income | 445,000 | 887,000 | 1,866,000 | 2,237,000 |
| Noninterest expense | 3,307,000 | 6,627,000 | 10,485,000 | 14,215,000 |
| Provision for loan losses | 0 | 1,200,000 | 1,200,000 | 1,200,000 |
| Pretax income | 1,644,000 | 2,087,000 | 3,842,000 | 4,150,000 |
| Income tax | 641,000 | 799,000 | 1,458,000 | 1,419,000 |
| Net income | 1,003,000 | 1,288,000 | 2,384,000 | 2,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,195,000 | 39,649,000 | 39,938,000 | 39,806,000 |
| Total capital | 42,918,000 | 43,578,000 | 43,738,000 | 43,208,000 |
| Risk-weighted assets | 462,778,000 | 459,321,000 | 450,779,000 | 430,061,000 |