Call reports 2016
FIRST UNITED BANK & TRUST — 2016
What FIRST UNITED BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,305,913,000 | 1,287,556,000 | 1,318,650,000 | 1,296,916,000 |
| Total loans | 900,596,000 | 919,252,000 | 902,489,000 | 891,926,000 |
| Allowance for loan losses | 12,256,000 | 12,678,000 | 12,044,000 | 9,918,000 |
| Securities available for sale | 142,999,000 | 134,340,000 | 135,676,000 | 127,599,000 |
| Securities held to maturity | 101,521,000 | 97,730,000 | 98,387,000 | 97,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,019,868,000 | 1,008,745,000 | 1,021,344,000 | 1,016,541,000 |
| Interest-bearing deposits | 814,010,000 | 802,622,000 | 799,694,000 | 797,383,000 |
| Noninterest-bearing deposits | 205,858,000 | 206,123,000 | 221,650,000 | 219,158,000 |
| Equity capital | 134,862,000 | 137,693,000 | 139,684,000 | 137,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 11,238,000 | 22,612,000 | 34,004,000 | 45,290,000 |
| Interest expense | 1,498,000 | 2,961,000 | 4,427,000 | 5,876,000 |
| Net interest income | 9,740,000 | 19,651,000 | 29,577,000 | 39,414,000 |
| Noninterest income | 3,461,000 | 7,255,000 | 10,561,000 | 13,935,000 |
| Noninterest expense | 9,924,000 | 19,409,000 | 28,885,000 | 38,669,000 |
| Provision for loan losses | 568,000 | 1,914,000 | 2,208,000 | 3,121,000 |
| Pretax income | 2,915,000 | 5,810,000 | 9,503,000 | 11,999,000 |
| Income tax | 823,000 | 1,574,000 | 2,685,000 | 3,476,000 |
| Net income | 2,092,000 | 4,236,000 | 6,818,000 | 8,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 140,719,000 | 142,709,000 | 145,383,000 | 146,014,000 |
| Total capital | 152,376,000 | 154,541,000 | 157,141,000 | 155,993,000 |
| Risk-weighted assets | 930,772,000 | 944,504,000 | 939,168,000 | 934,266,000 |