Call reports 2008
FIRST UNITED BANK & TRUST — 2008
What FIRST UNITED BANK & TRUST 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 | 1,556,961,000 | 1,579,147,000 | 1,614,138,000 | 1,618,616,000 |
| Total loans | 1,048,885,000 | 1,072,479,000 | 1,095,050,000 | 1,127,920,000 |
| Allowance for loan losses | 7,986,000 | 8,703,000 | 11,341,000 | 14,174,000 |
| Securities available for sale | 377,483,000 | 360,946,000 | 373,841,000 | 353,358,000 |
| Securities held to maturity | 0 | 8,794,000 | 8,935,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,149,444,000 | 1,170,476,000 | 1,183,793,000 | 1,227,405,000 |
| Interest-bearing deposits | 1,114,055,000 | 1,138,442,000 | 1,156,346,000 | 1,196,925,000 |
| Noninterest-bearing deposits | 35,389,000 | 32,034,000 | 27,447,000 | 30,480,000 |
| Equity capital | 118,985,000 | 111,308,000 | 106,107,000 | 88,346,000 |
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 | 23,554,000 | 47,110,000 | 70,577,000 | 93,991,000 |
| Interest expense | 11,260,000 | 21,365,000 | 31,418,000 | 40,844,000 |
| Net interest income | 12,294,000 | 25,745,000 | 39,159,000 | 53,147,000 |
| Noninterest income | 3,410,000 | 7,168,000 | 10,503,000 | 13,600,000 |
| Noninterest expense | 9,759,000 | 19,633,000 | 29,144,000 | 38,189,000 |
| Provision for loan losses | 1,350,000 | 2,284,000 | 6,486,000 | 12,742,000 |
| Pretax income | 4,993,000 | 11,472,000 | 14,508,000 | 13,819,000 |
| Income tax | 1,493,000 | 3,556,000 | 4,477,000 | 3,573,000 |
| Net income | 3,500,000 | 7,916,000 | 10,031,000 | 10,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,429,000 | 117,982,000 | 118,237,000 | 117,397,000 |
| Total capital | 123,415,000 | 126,685,000 | 129,578,000 | 131,571,000 |
| Risk-weighted assets | 1,139,946,000 | 1,159,037,000 | 1,164,066,000 | 1,206,396,000 |
Machine access — free, no API key
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