Call reports 2021
ONEUNITED BANK — 2021
What ONEUNITED BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 652,946,000 | 616,418,000 | 634,946,000 | 643,447,000 |
| Total loans | 389,309,000 | 414,446,000 | 456,230,000 | 450,018,000 |
| Allowance for loan losses | 1,802,000 | 1,783,000 | 1,778,000 | 1,779,000 |
| Securities available for sale | 129,087,000 | 133,249,000 | 125,107,000 | 114,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,827,000 | 454,096,000 | 469,430,000 | 471,051,000 |
| Interest-bearing deposits | 339,565,000 | 356,552,000 | 375,368,000 | 384,006,000 |
| Noninterest-bearing deposits | 97,262,000 | 97,544,000 | 94,062,000 | 87,046,000 |
| Equity capital | 41,581,000 | 51,494,000 | 54,444,000 | 60,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,912,000 | 8,245,000 | 12,648,000 | 16,978,000 |
| Interest expense | 1,157,000 | 2,040,000 | 2,799,000 | 3,503,000 |
| Net interest income | 2,755,000 | 6,205,000 | 9,849,000 | 13,475,000 |
| Noninterest income | 4,000,000 | 8,461,000 | 16,361,000 | 19,991,000 |
| Noninterest expense | 6,225,000 | 13,732,000 | 20,938,000 | 27,401,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | -976,000 | -2,283,000 | 2,277,000 | 3,336,000 |
| Income tax | -135,000 | -375,000 | 930,000 | 1,220,000 |
| Net income | -841,000 | -1,908,000 | 1,347,000 | 2,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,852,000 | 45,372,000 | 49,831,000 | 56,604,000 |
| Total capital | 38,659,000 | 47,158,000 | 51,612,000 | 58,385,000 |
| Risk-weighted assets | 286,701,000 | 312,127,000 | 346,502,000 | 353,761,000 |