Call reports 2009
ONEUNITED BANK — 2009
What ONEUNITED BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 607,318,000 | 589,576,000 | 557,817,000 | 536,526,000 |
| Total loans | 363,602,000 | 354,674,000 | 341,330,000 | 327,442,000 |
| Allowance for loan losses | 3,720,000 | 2,980,000 | 3,704,000 | 4,865,000 |
| Securities available for sale | 120,353,000 | 95,190,000 | 111,577,000 | 109,282,000 |
| Securities held to maturity | 45,671,000 | 52,416,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,119,000 | 344,865,000 | 311,382,000 | 291,846,000 |
| Interest-bearing deposits | 331,690,000 | 311,752,000 | 283,199,000 | 262,998,000 |
| Noninterest-bearing deposits | 30,428,000 | 33,114,000 | 28,183,000 | 28,849,000 |
| Equity capital | 37,934,000 | 37,334,000 | 39,173,000 | 37,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,046,000 | 15,355,000 | 21,750,000 | 27,607,000 |
| Interest expense | 3,794,000 | 7,161,000 | 10,227,000 | 13,152,000 |
| Net interest income | 4,252,000 | 8,194,000 | 11,523,000 | 14,455,000 |
| Noninterest income | 450,000 | 382,000 | 808,000 | 1,208,000 |
| Noninterest expense | 3,468,000 | 7,620,000 | 11,380,000 | 15,304,000 |
| Provision for loan losses | 150,000 | 300,000 | 1,075,000 | 2,500,000 |
| Pretax income | 1,727,000 | 2,755,000 | 4,014,000 | 2,513,000 |
| Income tax | 656,000 | 1,047,000 | 1,525,000 | 782,000 |
| Net income | 1,071,000 | 1,708,000 | 2,489,000 | 1,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,138,000 | 37,768,000 | 38,570,000 | 23,396,000 |
| Total capital | 39,858,000 | 40,758,000 | 42,354,000 | 27,373,000 |
| Risk-weighted assets | 371,792,000 | 360,415,000 | 329,717,000 | 317,372,000 |