Call reports 2003
FIRST UNITED BANK AND TRUST COMPANY — 2003
What FIRST UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 922,625,000 | 920,260,000 | 942,711,000 | 980,025,000 |
| Total loans | 688,989,000 | 713,815,000 | 735,431,000 | 773,482,000 |
| Allowance for loan losses | 8,460,000 | 8,044,000 | 8,499,000 | 8,565,000 |
| Securities available for sale | 112,548,000 | 127,022,000 | 119,011,000 | 103,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,634,000 | 736,162,000 | 754,638,000 | 796,552,000 |
| Interest-bearing deposits | 642,686,000 | 633,116,000 | 640,696,000 | 654,105,000 |
| Noninterest-bearing deposits | 101,948,000 | 103,046,000 | 113,942,000 | 142,447,000 |
| Equity capital | 100,819,000 | 101,443,000 | 105,798,000 | 108,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 13,610,000 | 27,581,000 | 41,756,000 | 55,799,000 |
| Interest expense | 3,858,000 | 7,392,000 | 10,739,000 | 14,372,000 |
| Net interest income | 9,752,000 | 20,189,000 | 31,017,000 | 41,427,000 |
| Noninterest income | 1,977,000 | 4,281,000 | 6,546,000 | 8,993,000 |
| Noninterest expense | 5,965,000 | 12,467,000 | 19,055,000 | 25,534,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 3,450,000 |
| Pretax income | 5,014,000 | 10,903,000 | 16,658,000 | 20,836,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 5,010,000 | 10,899,000 | 16,654,000 | 20,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,484,000 | 78,322,000 | 81,620,000 | 85,223,000 |
| Total capital | 86,803,000 | 87,227,000 | 91,020,000 | 94,742,000 |
| Risk-weighted assets | 731,478,000 | 745,214,000 | 775,157,000 | 825,439,000 |