Call reports 2007
FIRST UNITED BANK — 2007
What FIRST UNITED BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 99,830,000 | 104,315,000 | 109,638,000 | 110,849,000 |
| Total loans | 79,586,000 | 85,685,000 | 88,253,000 | 87,017,000 |
| Allowance for loan losses | 1,257,000 | 1,291,000 | 1,296,000 | 1,212,000 |
| Securities available for sale | 9,871,000 | 9,501,000 | 8,989,000 | 8,650,000 |
| Securities held to maturity | 3,634,000 | 3,429,000 | 3,540,000 | 5,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,101,000 | 90,354,000 | 91,765,000 | 97,286,000 |
| Interest-bearing deposits | 77,365,000 | 78,812,000 | 82,030,000 | 82,371,000 |
| Noninterest-bearing deposits | 9,736,000 | 11,542,000 | 9,735,000 | 14,915,000 |
| Equity capital | 8,138,000 | 8,195,000 | 8,531,000 | 8,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,766,000 | 3,607,000 | 5,607,000 | 7,538,000 |
| Interest expense | 756,000 | 1,540,000 | 2,418,000 | 3,263,000 |
| Net interest income | 1,010,000 | 2,067,000 | 3,189,000 | 4,275,000 |
| Noninterest income | 129,000 | 275,000 | 403,000 | 556,000 |
| Noninterest expense | 733,000 | 1,505,000 | 2,296,000 | 3,105,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 376,000 | 777,000 | 1,206,000 | 1,626,000 |
| Income tax | 26,000 | 54,000 | 84,000 | 115,000 |
| Net income | 350,000 | 723,000 | 1,122,000 | 1,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,166,000 | 8,279,000 | 8,528,000 | 8,617,000 |
| Total capital | 9,204,000 | 9,376,000 | 9,675,000 | 9,756,000 |
| Risk-weighted assets | 82,853,000 | 87,568,000 | 91,650,000 | 91,063,000 |
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