Call reports 2005
FIRST UNITED BANK — 2005
What FIRST UNITED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,237,000 | 94,265,000 | 100,043,000 | 99,510,000 |
| Total loans | 72,832,000 | 75,755,000 | 79,823,000 | 77,512,000 |
| Allowance for loan losses | 1,235,000 | 1,266,000 | 1,298,000 | 1,198,000 |
| Securities available for sale | 8,409,000 | 8,912,000 | 9,615,000 | 9,750,000 |
| Securities held to maturity | 4,849,000 | 4,473,000 | 4,473,000 | 4,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,946,000 | 82,777,000 | 82,094,000 | 83,975,000 |
| Interest-bearing deposits | 73,406,000 | 72,747,000 | 72,532,000 | 71,046,000 |
| Noninterest-bearing deposits | 10,540,000 | 10,030,000 | 9,562,000 | 12,929,000 |
| Equity capital | 7,445,000 | 7,583,000 | 7,673,000 | 7,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,295,000 | 2,651,000 | 4,138,000 | 5,657,000 |
| Interest expense | 369,000 | 777,000 | 1,273,000 | 1,803,000 |
| Net interest income | 926,000 | 1,874,000 | 2,865,000 | 3,854,000 |
| Noninterest income | 111,000 | 238,000 | 373,000 | 485,000 |
| Noninterest expense | 690,000 | 1,433,000 | 2,175,000 | 2,940,000 |
| Provision for loan losses | 30,000 | 59,000 | 89,000 | 119,000 |
| Pretax income | 317,000 | 620,000 | 974,000 | 1,266,000 |
| Income tax | 22,000 | 43,000 | 68,000 | 90,000 |
| Net income | 295,000 | 577,000 | 906,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,499,000 | 7,577,000 | 7,706,000 | 7,776,000 |
| Total capital | 8,446,000 | 8,558,000 | 8,744,000 | 8,790,000 |
| Risk-weighted assets | 75,453,000 | 78,225,000 | 82,771,000 | 80,948,000 |
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