Call reports 2009
FIRST UNITED BANK — 2009
What FIRST UNITED BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 120,194,000 | 119,252,000 | 120,031,000 | 125,967,000 |
| Total loans | 88,462,000 | 93,877,000 | 98,813,000 | 103,059,000 |
| Allowance for loan losses | 1,296,000 | 1,415,000 | 1,385,000 | 1,317,000 |
| Securities available for sale | 11,151,000 | 12,377,000 | 7,592,000 | 6,886,000 |
| Securities held to maturity | 5,490,000 | 5,692,000 | 5,538,000 | 5,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,051,000 | 104,532,000 | 99,437,000 | 102,681,000 |
| Interest-bearing deposits | 89,532,000 | 90,544,000 | 85,843,000 | 83,724,000 |
| Noninterest-bearing deposits | 16,519,000 | 13,987,000 | 13,594,000 | 18,957,000 |
| Equity capital | 9,537,000 | 9,670,000 | 9,904,000 | 10,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,590,000 | 3,211,000 | 4,872,000 | 6,537,000 |
| Interest expense | 482,000 | 947,000 | 1,389,000 | 1,791,000 |
| Net interest income | 1,108,000 | 2,264,000 | 3,483,000 | 4,746,000 |
| Noninterest income | 131,000 | 254,000 | 375,000 | 505,000 |
| Noninterest expense | 831,000 | 1,765,000 | 2,625,000 | 3,499,000 |
| Provision for loan losses | 90,000 | 155,000 | 265,000 | 325,000 |
| Pretax income | 318,000 | 598,000 | 968,000 | 1,427,000 |
| Income tax | 22,000 | 42,000 | 68,000 | 100,000 |
| Net income | 296,000 | 556,000 | 900,000 | 1,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,393,000 | 9,550,000 | 9,764,000 | 10,041,000 |
| Total capital | 10,570,000 | 10,802,000 | 11,045,000 | 11,358,000 |
| Risk-weighted assets | 94,031,000 | 99,979,000 | 102,363,000 | 106,785,000 |
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