Call reports 2005
FIRST UNITED BANK — 2005
What FIRST UNITED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 395,672,000 | 404,404,000 | 413,721,000 | 464,824,000 |
| Total loans | 231,250,000 | 255,350,000 | 278,019,000 | 273,101,000 |
| Allowance for loan losses | 3,277,000 | 3,447,000 | 3,349,000 | 3,382,000 |
| Securities available for sale | 109,123,000 | 107,746,000 | 86,644,000 | 129,764,000 |
| Securities held to maturity | 146,000 | 127,000 | 111,000 | 92,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,484,000 | 353,504,000 | 356,281,000 | 400,855,000 |
| Interest-bearing deposits | 275,648,000 | 277,441,000 | 280,101,000 | 310,492,000 |
| Noninterest-bearing deposits | 72,836,000 | 76,063,000 | 76,180,000 | 90,363,000 |
| Equity capital | 26,821,000 | 28,587,000 | 29,360,000 | 30,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,139,000 | 10,619,000 | 16,474,000 | 22,993,000 |
| Interest expense | 1,712,000 | 3,681,000 | 5,921,000 | 8,439,000 |
| Net interest income | 3,427,000 | 6,938,000 | 10,553,000 | 14,554,000 |
| Noninterest income | 814,000 | 1,717,000 | 2,761,000 | 3,611,000 |
| Noninterest expense | 2,983,000 | 5,973,000 | 9,073,000 | 12,457,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,108,000 | 2,382,000 | 3,792,000 | 5,109,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,108,000 | 2,382,000 | 3,792,000 | 5,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,097,000 | 27,775,000 | 28,192,000 | 29,526,000 |
| Total capital | 30,374,000 | 31,222,000 | 31,541,000 | 32,908,000 |
| Risk-weighted assets | 275,257,000 | 294,673,000 | 307,625,000 | 321,303,000 |
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