Call reports 2012
ONEUNITED BANK — 2012
What ONEUNITED BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 565,157,000 | 576,926,000 | 590,555,000 | 601,776,000 |
| Total loans | 321,403,000 | 303,905,000 | 302,650,000 | 323,130,000 |
| Allowance for loan losses | 3,306,000 | 3,420,000 | 3,489,000 | 3,391,000 |
| Securities available for sale | 181,028,000 | 179,773,000 | 224,144,000 | 228,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,781,000 | 331,980,000 | 337,833,000 | 343,041,000 |
| Interest-bearing deposits | 297,865,000 | 308,495,000 | 316,326,000 | 320,206,000 |
| Noninterest-bearing deposits | 23,916,000 | 23,485,000 | 21,508,000 | 22,835,000 |
| Equity capital | 43,920,000 | 45,416,000 | 46,229,000 | 47,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,311,000 | 12,414,000 | 18,203,000 | 24,857,000 |
| Interest expense | 2,733,000 | 5,459,000 | 8,229,000 | 11,006,000 |
| Net interest income | 3,578,000 | 6,955,000 | 9,974,000 | 13,851,000 |
| Noninterest income | 209,000 | 389,000 | 784,000 | 1,926,000 |
| Noninterest expense | 3,994,000 | 8,377,000 | 12,573,000 | 17,013,000 |
| Provision for loan losses | 200,000 | 400,000 | 600,000 | 800,000 |
| Pretax income | 804,000 | 1,657,000 | 2,342,000 | 3,878,000 |
| Income tax | 298,000 | 613,000 | 821,000 | 1,257,000 |
| Net income | 506,000 | 1,044,000 | 1,521,000 | 2,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,069,000 | 31,045,000 | 31,444,000 | 33,236,000 |
| Total capital | 33,652,000 | 34,910,000 | 34,975,000 | 37,076,000 |
| Risk-weighted assets | 312,397,000 | 312,174,000 | 324,471,000 | 336,449,000 |