Call reports 2007
FIRST UNITED BANK — 2007
What FIRST UNITED BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 658,151,000 | 660,480,000 | 724,652,000 | 739,434,000 |
| Total loans | 339,542,000 | 360,941,000 | 412,367,000 | 417,373,000 |
| Allowance for loan losses | 4,902,000 | 4,854,000 | 4,947,000 | 4,649,000 |
| Securities available for sale | 239,276,000 | 229,192,000 | 241,229,000 | 227,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 600,837,000 | 581,886,000 | 578,297,000 | 674,427,000 |
| Interest-bearing deposits | 551,855,000 | 547,798,000 | 545,466,000 | 629,524,000 |
| Noninterest-bearing deposits | 48,982,000 | 34,088,000 | 32,831,000 | 44,903,000 |
| Equity capital | 52,579,000 | 51,501,000 | 55,043,000 | 59,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,525,000 | 21,213,000 | 32,470,000 | 43,894,000 |
| Interest expense | 4,930,000 | 10,002,000 | 15,598,000 | 20,822,000 |
| Net interest income | 5,595,000 | 11,211,000 | 16,872,000 | 23,072,000 |
| Noninterest income | 1,133,000 | 2,287,000 | 3,753,000 | 5,058,000 |
| Noninterest expense | 4,400,000 | 8,799,000 | 13,323,000 | 17,894,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 2,178,000 | 4,398,000 | 6,851,000 | 9,635,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,178,000 | 4,398,000 | 6,851,000 | 9,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,789,000 | 43,641,000 | 45,175,000 | 47,710,000 |
| Total capital | 47,691,000 | 48,495,000 | 50,122,000 | 52,359,000 |
| Risk-weighted assets | 410,987,000 | 423,049,000 | 473,576,000 | 487,874,000 |
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