Call reports 2008
FIRST UNITED BANK — 2008
What FIRST UNITED BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 116,103,000 | 114,340,000 | 116,573,000 | 120,838,000 |
| Total loans | 81,164,000 | 89,985,000 | 95,884,000 | 98,353,000 |
| Allowance for loan losses | 1,241,000 | 1,301,000 | 1,314,000 | 1,178,000 |
| Securities available for sale | 11,921,000 | 12,748,000 | 8,037,000 | 8,571,000 |
| Securities held to maturity | 4,678,000 | 4,913,000 | 5,387,000 | 5,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,530,000 | 99,717,000 | 98,513,000 | 102,965,000 |
| Interest-bearing deposits | 89,014,000 | 87,369,000 | 85,551,000 | 84,700,000 |
| Noninterest-bearing deposits | 13,516,000 | 12,348,000 | 12,962,000 | 18,265,000 |
| Equity capital | 8,727,000 | 8,790,000 | 9,334,000 | 9,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,811,000 | 3,570,000 | 5,414,000 | 7,160,000 |
| Interest expense | 784,000 | 1,473,000 | 2,115,000 | 2,688,000 |
| Net interest income | 1,027,000 | 2,097,000 | 3,299,000 | 4,472,000 |
| Noninterest income | 156,000 | 288,000 | 420,000 | 543,000 |
| Noninterest expense | 792,000 | 1,584,000 | 2,387,000 | 3,250,000 |
| Provision for loan losses | 21,000 | 60,000 | 140,000 | 250,000 |
| Pretax income | 370,000 | 741,000 | 1,192,000 | 1,515,000 |
| Income tax | 26,000 | 52,000 | 83,000 | 106,000 |
| Net income | 344,000 | 689,000 | 1,109,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,561,000 | 8,802,000 | 9,298,000 | 9,597,000 |
| Total capital | 9,689,000 | 10,021,000 | 10,545,000 | 10,775,000 |
| Risk-weighted assets | 90,159,000 | 97,401,000 | 99,659,000 | 102,490,000 |
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