Call reports 2006
FIRST UNITED BANK — 2006
What FIRST UNITED BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 95,804,000 | 101,535,000 | 107,245,000 | 103,930,000 |
| Total loans | 74,573,000 | 81,860,000 | 85,693,000 | 82,811,000 |
| Allowance for loan losses | 1,238,000 | 1,264,000 | 1,258,000 | 1,216,000 |
| Securities available for sale | 10,337,000 | 10,021,000 | 11,257,000 | 9,595,000 |
| Securities held to maturity | 4,217,000 | 3,806,000 | 3,806,000 | 3,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,663,000 | 85,128,000 | 85,109,000 | 89,404,000 |
| Interest-bearing deposits | 73,001,000 | 75,191,000 | 75,727,000 | 77,325,000 |
| Noninterest-bearing deposits | 10,662,000 | 9,937,000 | 9,382,000 | 12,079,000 |
| Equity capital | 7,636,000 | 7,694,000 | 7,996,000 | 8,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 3,088,000 | 4,935,000 | 6,778,000 |
| Interest expense | 536,000 | 1,154,000 | 1,949,000 | 2,748,000 |
| Net interest income | 944,000 | 1,934,000 | 2,986,000 | 4,030,000 |
| Noninterest income | 118,000 | 236,000 | 358,000 | 467,000 |
| Noninterest expense | 768,000 | 1,524,000 | 2,300,000 | 3,123,000 |
| Provision for loan losses | 20,000 | 50,000 | 70,000 | 95,000 |
| Pretax income | 274,000 | 596,000 | 974,000 | 1,279,000 |
| Income tax | 19,000 | 42,000 | 68,000 | 91,000 |
| Net income | 255,000 | 554,000 | 906,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,750,000 | 7,870,000 | 8,072,000 | 8,116,000 |
| Total capital | 8,729,000 | 8,937,000 | 9,195,000 | 9,195,000 |
| Risk-weighted assets | 78,026,000 | 85,153,000 | 89,677,000 | 86,279,000 |
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