Call reports 2014
ONEUNITED BANK — 2014
What ONEUNITED BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 619,813,000 | 621,994,000 | 619,908,000 | 614,451,000 |
| Total loans | 360,575,000 | 362,505,000 | 352,783,000 | 344,879,000 |
| Allowance for loan losses | 3,550,000 | 3,531,000 | 2,988,000 | 2,927,000 |
| Securities available for sale | 200,590,000 | 205,821,000 | 203,055,000 | 171,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,912,000 | 354,471,000 | 352,774,000 | 347,909,000 |
| Interest-bearing deposits | 333,116,000 | 330,735,000 | 329,315,000 | 323,532,000 |
| Noninterest-bearing deposits | 23,796,000 | 23,737,000 | 23,459,000 | 24,377,000 |
| Equity capital | 46,015,000 | 49,949,000 | 49,650,000 | 47,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,305,000 | 13,035,000 | 19,638,000 | 25,805,000 |
| Interest expense | 2,681,000 | 5,535,000 | 8,262,000 | 10,985,000 |
| Net interest income | 3,624,000 | 7,500,000 | 11,376,000 | 14,820,000 |
| Noninterest income | 296,000 | 663,000 | 952,000 | 1,251,000 |
| Noninterest expense | 4,414,000 | 8,921,000 | 13,436,000 | 18,091,000 |
| Provision for loan losses | 0 | -319,000 | -819,000 | -819,000 |
| Pretax income | 477,000 | 532,000 | 574,000 | 609,000 |
| Income tax | 27,000 | -43,000 | -148,000 | -221,000 |
| Net income | 450,000 | 575,000 | 722,000 | 830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,270,000 | 37,330,000 | 36,954,000 | 35,046,000 |
| Total capital | 44,423,000 | 44,474,000 | 42,994,000 | 39,054,000 |
| Risk-weighted assets | 354,850,000 | 352,783,000 | 347,413,000 | 308,422,000 |