Call reports 2008
ONEUNITED BANK — 2008
What ONEUNITED BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 739,889,000 | 724,567,000 | 625,311,000 | 632,051,000 |
| Total loans | 415,913,000 | 395,158,000 | 384,423,000 | 369,804,000 |
| Allowance for loan losses | 3,361,000 | 3,344,000 | 3,000,000 | 3,624,000 |
| Securities available for sale | 271,140,000 | 284,997,000 | 167,365,000 | 158,262,000 |
| Securities held to maturity | 0 | 0 | 25,982,000 | 25,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,753,000 | 468,962,000 | 414,590,000 | 388,125,000 |
| Interest-bearing deposits | 451,443,000 | 436,393,000 | 380,907,000 | 359,828,000 |
| Noninterest-bearing deposits | 30,310,000 | 32,569,000 | 33,683,000 | 28,297,000 |
| Equity capital | 40,254,000 | 37,859,000 | -6,561,000 | 36,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,468,000 | 22,617,000 | 32,524,000 | 41,296,000 |
| Interest expense | 5,675,000 | 11,045,000 | 15,941,000 | 20,530,000 |
| Net interest income | 5,793,000 | 11,572,000 | 16,583,000 | 20,766,000 |
| Noninterest income | 425,000 | 849,000 | 1,924,000 | 1,972,000 |
| Noninterest expense | 3,738,000 | 7,669,000 | 10,919,000 | 15,757,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000,000 |
| Pretax income | 2,660,000 | 5,285,000 | -46,740,000 | -51,474,000 |
| Income tax | 851,000 | 1,654,000 | -2,033,000 | -18,370,000 |
| Net income | 1,809,000 | 3,631,000 | -44,707,000 | -33,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,320,000 | 39,981,000 | 11,754,000 | 35,481,000 |
| Total capital | 42,681,000 | 43,325,000 | 14,754,000 | 39,105,000 |
| Risk-weighted assets | 475,686,000 | 427,283,000 | 404,105,000 | 389,196,000 |