United Orient Bank in New York, New York (NY)
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Table of contents:
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 34 |
| Total assets | $92,741 |
| Cash and due from depository institutions | $6,051 |
| Interest-bearing balances | $3,396 |
| Securities | $1,704 |
| Federal funds sold & reverse repurchase agreements | $1,000 |
| Net loans & leases | $82,087 |
| Loan loss allowance | $1,336 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $167 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,732 |
| Life insurance assets | $92,741 |
| Total liabilities and capital | $82,376 |
| Total liabilities | $77,802 |
| Total deposits | $63,263 |
| Interest-bearing deposits | $77,802 |
| Deposits held in domestic offices | $95 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $4,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $574 |
| All other liabilities | $10,365 |
| Total equity capital | $10,365 |
| Total bank equity capital | $10,365 |
| Perpetual preferred stock | $0 |
| Common stock | $5,060 |
| Surplus | $3,032 |
| Undivided profits | $2,273 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $2,881 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $428 |
| Average Assets, year-to-date | $88,187 |
| Average Assets, quarterly | $35,892 |
| Volatile liabilities | $88,964 |
| Insider loans | $90,208 |
| FHLB advances | $78,601 |
| Loans and leases held for sale | $91,055 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $10,346 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $3,856 |
| Derivatives | $5 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $5,272 |
| Total interest expense | $576 |
| Net interest income | $4,696 |
| Provision for loan and lease losses | $225 |
| Total noninterest income | $224 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $83 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $141 |
| Total noninterest expense | $4,028 |
| Salaries and employee benefits | $1,851 |
| Premises and equipment expense | $1,277 |
| Additional noninterest expense | $900 |
| Pre-tax net operating income | $667 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $303 |
| Income before extraordinary items | $364 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $364 |
| Net charge-offs | $0 |
| Cash dividends | $364 |
| Sale, conversion, retirement of capital stock, net | $20 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 6.18% |
| Cost of funding earning assets | 0.68% |
| Net interest margin | 5.51% |
| Noninterest income to earning assets | 0.26% |
| Noninterest expense to earning assets | 4.73% |
| Net operating income to assets | 0.41% |
| Return on assets (ROA) | 0.41% |
| Pretax return on assets | 0.75% |
| Return on equity (ROE) | 3.57% |
| Retained earnings to average equity (YTD only) | 3.57% |
| Net charge-offs to loans | 0.03% |
| Credit loss provision to net charge-offs | 1125.00% |
| Efficiency ratio | 44.60% |
| Assets per employee | $81,870 |
| Cash dividends to net income (YTD only) | 2.73% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.60% |
| Noncurrent assets plus other real estate owned to assets | 46.37% |
| Noncurrent loans to loans | 3.11% |
| Net loans and leases to deposits | 3.45% |
| Net loans and leases to core deposits | 105.51% |
| Equity capital to assets | 113.54% |
| Core capital (leverage) ratio | 11.18% |
| Tier 1 risk-based capital ratio | 11.36% |
| Total risk-based capital ratio | 13.16% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $88,964 |
| Average equity | $10,199 |
| Average loans | $85,246 |
| 2 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 16388 | United Orient Bank | 10 Chatham Square, New York, NY 10038 | April 09, 1981 | Full Service Brick and Mortar |  |
| 1 | 256286 | United Orient Bank Branch | 185 Canal Street, New York City, NY 10013 | May 06, 1983 | Full Service Brick and Mortar |  |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.