Call reports 2011
ONEUNITED BANK — 2011
What ONEUNITED BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 536,007,000 | 548,820,000 | 560,596,000 | 562,798,000 |
| Total loans | 332,060,000 | 328,195,000 | 323,553,000 | 334,710,000 |
| Allowance for loan losses | 3,362,000 | 3,282,000 | 3,389,000 | 3,381,000 |
| Securities available for sale | 157,898,000 | 167,742,000 | 140,000,000 | 146,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,278,000 | 310,197,000 | 317,694,000 | 319,510,000 |
| Interest-bearing deposits | 278,867,000 | 289,180,000 | 294,771,000 | 297,245,000 |
| Noninterest-bearing deposits | 21,411,000 | 21,017,000 | 22,923,000 | 22,266,000 |
| Equity capital | 36,322,000 | 39,286,000 | 43,537,000 | 43,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,236,000 | 13,036,000 | 19,343,000 | 25,144,000 |
| Interest expense | 2,707,000 | 5,457,000 | 8,243,000 | 11,002,000 |
| Net interest income | 3,529,000 | 7,579,000 | 11,100,000 | 14,142,000 |
| Noninterest income | 885,000 | 1,516,000 | 1,820,000 | 2,986,000 |
| Noninterest expense | 3,687,000 | 7,496,000 | 11,367,000 | 15,309,000 |
| Provision for loan losses | 100,000 | 466,000 | 566,000 | 800,000 |
| Pretax income | 627,000 | 1,847,000 | 3,944,000 | 4,547,000 |
| Income tax | 238,000 | 702,000 | 1,499,000 | 1,342,000 |
| Net income | 389,000 | 1,145,000 | 2,445,000 | 3,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,892,000 | 26,289,000 | 28,612,000 | 29,230,000 |
| Total capital | 28,941,000 | 30,329,000 | 32,547,000 | 32,912,000 |
| Risk-weighted assets | 335,952,000 | 334,031,000 | 317,486,000 | 322,429,000 |