Call reports 2020
ONEUNITED BANK — 2020
What ONEUNITED BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 656,317,000 | 684,872,000 | 683,653,000 | 666,667,000 |
| Total loans | 473,252,000 | 445,521,000 | 420,103,000 | 392,748,000 |
| Allowance for loan losses | 1,748,000 | 1,750,000 | 1,758,000 | 1,759,000 |
| Securities available for sale | 99,257,000 | 145,692,000 | 152,336,000 | 111,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,651,000 | 402,227,000 | 423,960,000 | 408,566,000 |
| Interest-bearing deposits | 328,718,000 | 334,819,000 | 345,300,000 | 329,444,000 |
| Noninterest-bearing deposits | 44,934,000 | 67,408,000 | 78,660,000 | 79,122,000 |
| Equity capital | 43,030,000 | 43,203,000 | 43,522,000 | 44,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,534,000 | 11,944,000 | 17,038,000 | 21,442,000 |
| Interest expense | 2,976,000 | 5,465,000 | 7,498,000 | 9,826,000 |
| Net interest income | 3,558,000 | 6,479,000 | 9,540,000 | 11,616,000 |
| Noninterest income | 1,879,000 | 3,797,000 | 7,851,000 | 12,242,000 |
| Noninterest expense | 5,500,000 | 10,855,000 | 17,867,000 | 24,702,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -2,811,000 | -2,528,000 | -565,000 | 251,000 |
| Income tax | -590,000 | -567,000 | -19,000 | 162,000 |
| Net income | -2,221,000 | -1,961,000 | -546,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,118,000 | 34,430,000 | 37,417,000 | 37,427,000 |
| Total capital | 35,871,000 | 36,185,000 | 39,180,000 | 39,191,000 |
| Risk-weighted assets | 325,125,000 | 315,398,000 | 309,781,000 | 299,035,000 |