Call reports 2012
FIRST UNITED BANK & TRUST — 2012
What FIRST UNITED BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,380,023,000 | 1,342,977,000 | 1,353,826,000 | 1,315,223,000 |
| Total loans | 914,348,000 | 907,909,000 | 889,990,000 | 874,829,000 |
| Allowance for loan losses | 17,213,000 | 16,770,000 | 16,349,000 | 16,047,000 |
| Securities available for sale | 226,147,000 | 227,243,000 | 235,331,000 | 223,273,000 |
| Securities held to maturity | 4,040,000 | 4,040,000 | 4,040,000 | 4,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,036,384,000 | 1,003,036,000 | 1,009,197,000 | 982,493,000 |
| Interest-bearing deposits | 880,804,000 | 845,712,000 | 839,826,000 | 820,993,000 |
| Noninterest-bearing deposits | 155,580,000 | 157,324,000 | 169,371,000 | 161,500,000 |
| Equity capital | 138,427,000 | 140,922,000 | 145,385,000 | 146,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,768,000 | 27,268,000 | 40,388,000 | 53,111,000 |
| Interest expense | 3,201,000 | 6,123,000 | 8,782,000 | 11,226,000 |
| Net interest income | 10,567,000 | 21,145,000 | 31,606,000 | 41,885,000 |
| Noninterest income | 4,512,000 | 7,706,000 | 10,623,000 | 13,349,000 |
| Noninterest expense | 9,545,000 | 19,703,000 | 29,457,000 | 39,015,000 |
| Provision for loan losses | 8,124,000 | 9,236,000 | 9,276,000 | 9,390,000 |
| Pretax income | -1,991,000 | 511,000 | 4,058,000 | 8,375,000 |
| Income tax | 39,000 | 172,000 | 128,000 | 913,000 |
| Net income | -2,030,000 | 339,000 | 3,930,000 | 7,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,149,000 | 140,654,000 | 141,552,000 | 146,360,000 |
| Total capital | 153,705,000 | 155,119,000 | 155,811,000 | 160,381,000 |
| Risk-weighted assets | 1,142,218,000 | 1,134,419,000 | 1,117,140,000 | 1,096,272,000 |