Call reports 2015
ONEUNITED BANK — 2015
What ONEUNITED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 642,449,000 | 634,894,000 | 635,492,000 | 648,615,000 |
| Total loans | 430,581,000 | 433,349,000 | 433,234,000 | 428,007,000 |
| Allowance for loan losses | 2,919,000 | 2,923,000 | 2,888,000 | 2,832,000 |
| Securities available for sale | 150,151,000 | 143,687,000 | 142,366,000 | 135,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,329,000 | 355,889,000 | 364,326,000 | 360,683,000 |
| Interest-bearing deposits | 333,168,000 | 329,742,000 | 337,919,000 | 332,677,000 |
| Noninterest-bearing deposits | 27,161,000 | 26,147,000 | 26,407,000 | 28,006,000 |
| Equity capital | 48,676,000 | 45,353,000 | 46,876,000 | 46,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,143,000 | 12,061,000 | 18,086,000 | 24,072,000 |
| Interest expense | 2,669,000 | 5,391,000 | 7,471,000 | 8,990,000 |
| Net interest income | 3,474,000 | 6,670,000 | 10,615,000 | 15,082,000 |
| Noninterest income | 342,000 | 772,000 | 1,125,000 | 1,514,000 |
| Noninterest expense | 4,514,000 | 8,760,000 | 13,168,000 | 17,730,000 |
| Provision for loan losses | 0 | 0 | -57,000 | -181,000 |
| Pretax income | -296,000 | -916,000 | -969,000 | -530,000 |
| Income tax | -231,000 | -594,000 | -724,000 | -578,000 |
| Net income | -65,000 | -322,000 | -245,000 | 48,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,985,000 | 39,211,000 | 38,377,000 | 38,977,000 |
| Total capital | 44,220,000 | 43,316,000 | 42,757,000 | 42,750,000 |
| Risk-weighted assets | 344,660,000 | 358,167,000 | 378,149,000 | 354,766,000 |