Call reports 2016
ONEUNITED BANK — 2016
What ONEUNITED BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 621,978,000 | 632,359,000 | 646,088,000 | 654,874,000 |
| Total loans | 440,200,000 | 443,834,000 | 484,556,000 | 487,366,000 |
| Allowance for loan losses | 2,741,000 | 2,698,000 | 2,613,000 | 2,840,000 |
| Securities available for sale | 120,953,000 | 109,319,000 | 110,329,000 | 110,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,208,000 | 369,355,000 | 381,841,000 | 375,713,000 |
| Interest-bearing deposits | 333,050,000 | 341,109,000 | 349,318,000 | 341,443,000 |
| Noninterest-bearing deposits | 29,158,000 | 28,246,000 | 32,523,000 | 34,271,000 |
| Equity capital | 47,207,000 | 49,710,000 | 49,645,000 | 49,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,809,000 | 11,472,000 | 17,069,000 | 22,831,000 |
| Interest expense | 1,600,000 | 3,255,000 | 4,960,000 | 6,718,000 |
| Net interest income | 4,209,000 | 8,217,000 | 12,109,000 | 16,113,000 |
| Noninterest income | 397,000 | 768,000 | 2,678,000 | 3,356,000 |
| Noninterest expense | 4,294,000 | 8,803,000 | 14,088,000 | 19,207,000 |
| Provision for loan losses | -1,000 | -5,000 | -7,000 | -7,000 |
| Pretax income | 376,000 | 1,036,000 | 1,556,000 | 1,118,000 |
| Income tax | 125,000 | 397,000 | 602,000 | 416,000 |
| Net income | 251,000 | 639,000 | 954,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,814,000 | 39,507,000 | 40,032,000 | 39,520,000 |
| Total capital | 42,324,000 | 43,596,000 | 43,574,000 | 44,963,000 |
| Risk-weighted assets | 360,760,000 | 357,199,000 | 381,712,000 | 380,895,000 |