Call reports 2016
FIRST UNITED BANK — 2016
What FIRST UNITED BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 192,487,000 | 191,795,000 | 199,292,000 | 192,014,000 |
| Total loans | 151,628,000 | 155,077,000 | 159,690,000 | 152,279,000 |
| Allowance for loan losses | 2,581,000 | 2,702,000 | 2,798,000 | 2,541,000 |
| Securities available for sale | 27,132,000 | 24,429,000 | 23,555,000 | 24,028,000 |
| Securities held to maturity | 3,445,000 | 3,286,000 | 3,112,000 | 3,048,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,992,000 | 158,122,000 | 162,947,000 | 169,418,000 |
| Interest-bearing deposits | 124,592,000 | 125,089,000 | 128,145,000 | 127,006,000 |
| Noninterest-bearing deposits | 34,400,000 | 33,033,000 | 34,802,000 | 42,412,000 |
| Equity capital | 18,125,000 | 18,694,000 | 19,090,000 | 19,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 3,978,000 | 6,089,000 | 8,241,000 |
| Interest expense | 163,000 | 326,000 | 504,000 | 689,000 |
| Net interest income | 1,796,000 | 3,652,000 | 5,585,000 | 7,552,000 |
| Noninterest income | 137,000 | 274,000 | 423,000 | 572,000 |
| Noninterest expense | 1,094,000 | 2,165,000 | 3,283,000 | 4,467,000 |
| Provision for loan losses | 120,000 | 240,000 | 345,000 | 520,000 |
| Pretax income | 719,000 | 1,543,000 | 2,402,000 | 3,159,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 719,000 | 1,543,000 | 2,402,000 | 3,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,762,000 | 18,234,000 | 18,694,000 | 19,051,000 |
| Total capital | 19,833,000 | 20,327,000 | 20,854,000 | 21,130,000 |
| Risk-weighted assets | 165,247,000 | 166,831,000 | 172,241,000 | 165,917,000 |