Call reports 2003
FIRST UNITED BANK — 2003
What FIRST UNITED BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 280,821,000 | 274,125,000 | 265,106,000 | 304,004,000 |
| Total loans | 146,599,000 | 168,260,000 | 173,023,000 | 168,370,000 |
| Allowance for loan losses | 2,222,000 | 2,327,000 | 2,265,000 | 2,525,000 |
| Securities available for sale | 94,640,000 | 74,949,000 | 61,559,000 | 95,794,000 |
| Securities held to maturity | 3,227,000 | 2,791,000 | 918,000 | 730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,382,000 | 232,799,000 | 235,016,000 | 269,814,000 |
| Interest-bearing deposits | 206,413,000 | 189,240,000 | 188,608,000 | 202,428,000 |
| Noninterest-bearing deposits | 45,969,000 | 43,559,000 | 46,408,000 | 67,386,000 |
| Equity capital | 23,645,000 | 25,381,000 | 24,909,000 | 25,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,576,000 | 7,220,000 | 10,980,000 | 14,715,000 |
| Interest expense | 1,105,000 | 2,172,000 | 3,175,000 | 4,134,000 |
| Net interest income | 2,471,000 | 5,048,000 | 7,805,000 | 10,581,000 |
| Noninterest income | 669,000 | 1,450,000 | 2,296,000 | 3,130,000 |
| Noninterest expense | 2,095,000 | 4,227,000 | 6,582,000 | 8,893,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 600,000 |
| Pretax income | 955,000 | 2,106,000 | 3,264,000 | 4,242,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 955,000 | 2,106,000 | 3,264,000 | 4,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,568,000 | 22,198,000 | 22,861,000 | 23,719,000 |
| Total capital | 23,760,000 | 24,525,000 | 25,126,000 | 26,194,000 |
| Risk-weighted assets | 175,454,000 | 191,222,000 | 192,653,000 | 197,962,000 |
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