Call reports 2004
FIRST UNITED BANK — 2004
What FIRST UNITED BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 322,785,000 | 341,193,000 | 373,955,000 | 378,830,000 |
| Total loans | 192,822,000 | 226,053,000 | 258,203,000 | 250,649,000 |
| Allowance for loan losses | 2,660,000 | 2,730,000 | 2,782,000 | 3,182,000 |
| Securities available for sale | 95,029,000 | 79,921,000 | 70,660,000 | 81,506,000 |
| Securities held to maturity | 600,000 | 216,000 | 189,000 | 169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,897,000 | 267,972,000 | 275,773,000 | 319,447,000 |
| Interest-bearing deposits | 220,160,000 | 210,765,000 | 210,082,000 | 242,616,000 |
| Noninterest-bearing deposits | 55,737,000 | 57,207,000 | 65,691,000 | 76,831,000 |
| Equity capital | 26,994,000 | 25,436,000 | 28,286,000 | 28,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,876,000 | 8,209,000 | 12,928,000 | 17,875,000 |
| Interest expense | 971,000 | 2,047,000 | 3,303,000 | 4,742,000 |
| Net interest income | 2,905,000 | 6,162,000 | 9,625,000 | 13,133,000 |
| Noninterest income | 823,000 | 1,658,000 | 2,510,000 | 3,366,000 |
| Noninterest expense | 2,553,000 | 5,402,000 | 8,319,000 | 11,185,000 |
| Provision for loan losses | 120,000 | 248,000 | 375,000 | 1,053,000 |
| Pretax income | 1,055,000 | 2,194,000 | 3,503,000 | 4,323,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,055,000 | 2,194,000 | 3,503,000 | 4,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,978,000 | 25,121,000 | 26,185,000 | 26,809,000 |
| Total capital | 26,638,000 | 27,851,000 | 28,967,000 | 29,991,000 |
| Risk-weighted assets | 228,113,000 | 255,219,000 | 284,131,000 | 282,361,000 |
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