Call reports 2008
FIRST UNITED BANK — 2008
What FIRST UNITED BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 759,518,000 | 779,663,000 | 799,603,000 | 827,646,000 |
| Total loans | 413,005,000 | 451,242,000 | 490,601,000 | 488,074,000 |
| Allowance for loan losses | 4,670,000 | 4,694,000 | 4,813,000 | 5,466,000 |
| Securities available for sale | 277,178,000 | 254,252,000 | 237,564,000 | 264,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 677,735,000 | 661,581,000 | 650,700,000 | 704,063,000 |
| Interest-bearing deposits | 639,824,000 | 623,649,000 | 611,267,000 | 659,967,000 |
| Noninterest-bearing deposits | 37,911,000 | 37,932,000 | 39,433,000 | 44,096,000 |
| Equity capital | 63,045,000 | 58,361,000 | 63,102,000 | 70,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,700,000 | 21,032,000 | 31,676,000 | 42,084,000 |
| Interest expense | 4,400,000 | 8,150,000 | 11,865,000 | 15,139,000 |
| Net interest income | 6,300,000 | 12,882,000 | 19,811,000 | 26,945,000 |
| Noninterest income | 1,255,000 | 2,554,000 | 3,849,000 | 5,232,000 |
| Noninterest expense | 4,576,000 | 9,337,000 | 14,139,000 | 18,871,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 1,500,000 |
| Pretax income | 2,835,000 | 5,809,000 | 9,082,000 | 11,817,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,835,000 | 5,809,000 | 9,082,000 | 11,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,409,000 | 49,376,000 | 52,764,000 | 55,613,000 |
| Total capital | 53,079,000 | 54,070,000 | 57,577,000 | 61,079,000 |
| Risk-weighted assets | 489,520,000 | 519,567,000 | 552,248,000 | 555,793,000 |
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