Call reports 2019
ONEUNITED BANK — 2019
What ONEUNITED BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 670,225,000 | 667,068,000 | 650,210,000 | 653,951,000 |
| Total loans | 491,368,000 | 508,798,000 | 508,108,000 | 488,357,000 |
| Allowance for loan losses | 1,626,000 | 1,617,000 | 1,759,000 | 1,752,000 |
| Securities available for sale | 102,743,000 | 101,517,000 | 90,071,000 | 90,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,007,000 | 383,345,000 | 365,383,000 | 370,492,000 |
| Interest-bearing deposits | 343,630,000 | 339,991,000 | 324,339,000 | 328,949,000 |
| Noninterest-bearing deposits | 44,377,000 | 43,354,000 | 41,044,000 | 41,543,000 |
| Equity capital | 43,921,000 | 45,184,000 | 45,642,000 | 44,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,284,000 | 12,455,000 | 18,899,000 | 24,525,000 |
| Interest expense | 3,343,000 | 6,764,000 | 10,091,000 | 13,200,000 |
| Net interest income | 2,941,000 | 5,691,000 | 8,808,000 | 11,325,000 |
| Noninterest income | 1,687,000 | 3,590,000 | 5,463,000 | 7,336,000 |
| Noninterest expense | 5,839,000 | 11,685,000 | 17,099,000 | 22,613,000 |
| Provision for loan losses | 0 | -1,000 | 9,000 | 9,000 |
| Pretax income | 261,000 | 488,000 | 609,000 | -1,190,000 |
| Income tax | -48,000 | -101,000 | -101,000 | -560,000 |
| Net income | 309,000 | 589,000 | 710,000 | -630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,393,000 | 38,427,000 | 38,556,000 | 36,895,000 |
| Total capital | 40,023,000 | 40,049,000 | 40,320,000 | 38,652,000 |
| Risk-weighted assets | 321,213,000 | 345,982,000 | 342,232,000 | 337,415,000 |