Call reports 2010
ONEUNITED BANK — 2010
What ONEUNITED BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 531,414,000 | 517,565,000 | 527,891,000 | 522,899,000 |
| Total loans | 318,849,000 | 321,913,000 | 328,499,000 | 322,347,000 |
| Allowance for loan losses | 4,862,000 | 4,846,000 | 3,969,000 | 3,384,000 |
| Securities available for sale | 129,877,000 | 94,307,000 | 98,602,000 | 150,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,258,000 | 273,237,000 | 282,580,000 | 288,367,000 |
| Interest-bearing deposits | 257,826,000 | 248,778,000 | 260,527,000 | 266,639,000 |
| Noninterest-bearing deposits | 29,431,000 | 24,459,000 | 22,053,000 | 21,728,000 |
| Equity capital | 37,099,000 | 37,373,000 | 38,323,000 | 35,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,376,000 | 11,131,000 | 17,345,000 | 23,161,000 |
| Interest expense | 2,756,000 | 5,549,000 | 8,398,000 | 11,227,000 |
| Net interest income | 2,620,000 | 5,582,000 | 8,947,000 | 11,934,000 |
| Noninterest income | 411,000 | 773,000 | 1,115,000 | 1,460,000 |
| Noninterest expense | 3,602,000 | 7,374,000 | 11,070,000 | 14,972,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -571,000 | -457,000 | 1,763,000 | 1,176,000 |
| Income tax | -217,000 | -174,000 | 670,000 | 447,000 |
| Net income | -354,000 | -283,000 | 1,093,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,049,000 | 23,584,000 | 24,418,000 | 23,949,000 |
| Total capital | 27,789,000 | 27,347,000 | 28,398,000 | 27,344,000 |
| Risk-weighted assets | 298,438,000 | 300,262,000 | 324,092,000 | 336,126,000 |