Call reports 2015
FIRST UNITED BANK — 2015
What FIRST UNITED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 176,105,000 | 187,267,000 | 195,191,000 | 194,980,000 |
| Total loans | 133,565,000 | 146,780,000 | 152,572,000 | 151,230,000 |
| Allowance for loan losses | 2,029,000 | 2,157,000 | 2,384,000 | 2,458,000 |
| Securities available for sale | 29,544,000 | 28,168,000 | 28,139,000 | 27,995,000 |
| Securities held to maturity | 3,721,000 | 3,662,000 | 3,658,000 | 3,654,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,772,000 | 152,919,000 | 159,319,000 | 163,869,000 |
| Interest-bearing deposits | 115,676,000 | 119,937,000 | 126,101,000 | 123,283,000 |
| Noninterest-bearing deposits | 36,096,000 | 32,982,000 | 33,218,000 | 40,586,000 |
| Equity capital | 17,105,000 | 17,297,000 | 17,729,000 | 18,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,778,000 | 3,651,000 | 5,665,000 | 7,678,000 |
| Interest expense | 156,000 | 316,000 | 494,000 | 667,000 |
| Net interest income | 1,622,000 | 3,335,000 | 5,171,000 | 7,011,000 |
| Noninterest income | 144,000 | 286,000 | 419,000 | 564,000 |
| Noninterest expense | 1,034,000 | 2,090,000 | 3,171,000 | 4,369,000 |
| Provision for loan losses | 68,000 | 143,000 | 363,000 | 430,000 |
| Pretax income | 668,000 | 1,392,000 | 2,063,000 | 2,783,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 668,000 | 1,392,000 | 2,063,000 | 2,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,677,000 | 17,051,000 | 17,422,000 | 17,792,000 |
| Total capital | 18,519,000 | 19,114,000 | 19,565,000 | 19,847,000 |
| Risk-weighted assets | 147,253,000 | 164,994,000 | 171,223,000 | 164,029,000 |