Call reports 2023
ONEUNITED BANK — 2023
What ONEUNITED BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 609,010,000 | 600,581,000 | 593,616,000 | 755,706,000 |
| Total loans | 457,214,000 | 447,002,000 | 448,109,000 | 440,263,000 |
| Allowance for loan losses | 1,729,000 | 1,712,000 | 1,693,000 | 1,655,000 |
| Securities available for sale | 84,029,000 | 80,472,000 | 74,363,000 | 77,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,952,000 | 514,035,000 | 511,739,000 | 493,962,000 |
| Interest-bearing deposits | 430,370,000 | 422,581,000 | 423,142,000 | 411,653,000 |
| Noninterest-bearing deposits | 90,582,000 | 91,455,000 | 88,597,000 | 82,309,000 |
| Equity capital | 52,474,000 | 52,523,000 | 52,091,000 | 56,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,221,000 | 10,540,000 | 15,948,000 | 21,464,000 |
| Interest expense | 851,000 | 1,877,000 | 3,155,000 | 4,579,000 |
| Net interest income | 4,370,000 | 8,663,000 | 12,793,000 | 16,885,000 |
| Noninterest income | 3,767,000 | 7,485,000 | 16,259,000 | 19,557,000 |
| Noninterest expense | 7,535,000 | 14,909,000 | 24,252,000 | 31,371,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 318,000 | 1,309,000 | 4,789,000 | 5,535,000 |
| Income tax | 119,000 | 385,000 | 1,364,000 | 1,550,000 |
| Net income | 199,000 | 924,000 | 3,425,000 | 3,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,172,000 | 60,001,000 | 63,439,000 | 64,112,000 |