Call reports 2013
ONEUNITED BANK — 2013
What ONEUNITED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 610,048,000 | 606,184,000 | 612,376,000 | 616,367,000 |
| Total loans | 321,887,000 | 323,535,000 | 338,627,000 | 369,213,000 |
| Allowance for loan losses | 3,541,000 | 3,559,000 | 3,549,000 | 3,550,000 |
| Securities available for sale | 236,499,000 | 220,103,000 | 213,474,000 | 196,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,668,000 | 348,004,000 | 349,655,000 | 351,331,000 |
| Interest-bearing deposits | 326,314,000 | 325,145,000 | 325,739,000 | 327,946,000 |
| Noninterest-bearing deposits | 23,354,000 | 22,859,000 | 23,917,000 | 23,385,000 |
| Equity capital | 47,311,000 | 40,216,000 | 40,999,000 | 41,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,315,000 | 12,425,000 | 18,588,000 | 24,704,000 |
| Interest expense | 2,715,000 | 5,429,000 | 8,145,000 | 10,873,000 |
| Net interest income | 3,600,000 | 6,996,000 | 10,443,000 | 13,831,000 |
| Noninterest income | 807,000 | 1,157,000 | 2,581,000 | 2,889,000 |
| Noninterest expense | 3,899,000 | 7,742,000 | 11,826,000 | 15,943,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 1,418,000 | 1,805,000 | 2,529,000 | 1,948,000 |
| Income tax | 415,000 | 438,000 | 585,000 | 248,000 |
| Net income | 1,003,000 | 1,367,000 | 1,944,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,102,000 | 35,889,000 | 36,939,000 | 36,333,000 |
| Total capital | 39,718,000 | 41,079,000 | 42,553,000 | 43,065,000 |
| Risk-weighted assets | 334,351,000 | 331,803,000 | 356,584,000 | 364,973,000 |