Call reports 2013
FIRST UNITED BANK — 2013
What FIRST UNITED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 165,450,000 | 168,469,000 | 176,618,000 | 176,949,000 |
| Total loans | 115,695,000 | 123,844,000 | 130,139,000 | 130,902,000 |
| Allowance for loan losses | 1,749,000 | 1,761,000 | 1,812,000 | 1,772,000 |
| Securities available for sale | 29,585,000 | 28,209,000 | 28,829,000 | 28,171,000 |
| Securities held to maturity | 4,796,000 | 5,067,000 | 5,819,000 | 6,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,428,000 | 140,038,000 | 153,697,000 | 158,238,000 |
| Interest-bearing deposits | 115,967,000 | 112,337,000 | 119,820,000 | 118,993,000 |
| Noninterest-bearing deposits | 32,461,000 | 27,701,000 | 33,877,000 | 39,245,000 |
| Equity capital | 14,477,000 | 13,948,000 | 14,601,000 | 14,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,696,000 | 3,356,000 | 5,137,000 | 6,905,000 |
| Interest expense | 179,000 | 352,000 | 534,000 | 712,000 |
| Net interest income | 1,517,000 | 3,004,000 | 4,603,000 | 6,193,000 |
| Noninterest income | 143,000 | 290,000 | 438,000 | 577,000 |
| Noninterest expense | 922,000 | 1,900,000 | 2,877,000 | 3,904,000 |
| Provision for loan losses | 30,000 | 40,000 | 90,000 | 110,000 |
| Pretax income | 708,000 | 1,365,000 | 2,083,000 | 2,765,000 |
| Income tax | 38,000 | -22,000 | -22,000 | -24,000 |
| Net income | 670,000 | 1,387,000 | 2,105,000 | 2,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,094,000 | 14,462,000 | 14,855,000 | 15,213,000 |
| Total capital | 15,670,000 | 16,119,000 | 16,615,000 | 16,985,000 |
| Risk-weighted assets | 125,920,000 | 132,457,000 | 140,755,000 | 141,976,000 |