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OneUnited Earnings Report |
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OneUnited Bank Earnings Report 2005 [ PDF ] |
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Years Ended
December 31 |
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2005 |
2004 |
2003 |
| Profitability |
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| Net Income |
5,526,046 |
4,472,231 |
1,399,728 |
| Earnings per Common Share |
$1.17 |
$0.90 |
$0.41 |
| Return on Common Equity |
45.18% |
40.98% |
22.09% |
| Return on Total Equity |
16.59% |
15.70% |
5.56% |
| Return on Assets |
1.11% |
0.99% |
0.31% |
| Net Interest Margin |
3.26% |
3.85% |
3.64% |
| Operating Efficiency Ratio |
68.98% |
69.43% |
88.04% |
| Capital |
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| Risk-based Capital |
| Tier 1 |
10.75% |
9.58% |
9.34% |
| Total |
11.50% |
10.38% |
10.58% |
| Leverage Ratio |
7.06% |
6.19% |
5.67% |
| Book Value per Share |
3.66 |
2.70 |
2.19 |
| Credit Quality |
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| Nonperforming Assets/Assets |
0.02% |
0.31% |
1.23% |
| ALLL/Loans |
0.64% |
0.67% |
0.84% |
| ALLL/NPA |
2954.5% |
160.0% |
46.8% |
| Net Charge offs (Recoveries) |
(173,358) |
394,891 |
544,049 |
| Period end Balance Sheet (in millions) |
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| Total Assets |
540.7 |
478.6 |
438.6 |
| Loans |
406.0 |
359.1 |
300.9 |
| Nonperforming Assets |
0.1 |
1.5 |
5.4 |
| Allowance for Loan Losses |
2.6 |
2.4 |
2.5 |
| Deposits |
344.1 |
329.2 |
327.6 |
| Borrowings |
155.7 |
117.6 |
81.4 |
| Total Equity |
36.7 |
30.1 |
27.0 |
| Nonperforming Assets (in thousands) |
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| Loans |
| 90 Days Past Due |
12 |
451 |
1,420 |
| Nonaccrual |
7 |
92 |
3,722 |
| 90 Days Past Due |
12 |
451 |
1,420 |
| OREO |
-- |
254 |
254 |
| Securities |
-- |
-- |
-- |
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| Total |
88 |
1,497 |
5,396 |
| Equity |
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| Total Equity |
36,712,728 |
30,137,594 |
26,973,251 |
| Preferred Equity |
23,490,600 |
20,240,600 |
19,540,600 |
| Common Equity |
13,222,128 |
9,896,994 |
7,432,651 |
| Common Shares Outstanding |
3,611,786 |
3,498,662 |
3,248,104 |
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