Call reports 2004
FIRST UNITED BANK AND TRUST COMPANY — 2004
What FIRST UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,003,310,000 | 1,013,403,000 | 1,032,827,000 | 1,103,924,000 |
| Total loans | 799,220,000 | 821,391,000 | 845,136,000 | 858,801,000 |
| Allowance for loan losses | 9,244,000 | 9,854,000 | 10,454,000 | 9,823,000 |
| Securities available for sale | 120,595,000 | 106,830,000 | 99,345,000 | 91,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 813,732,000 | 797,941,000 | 826,486,000 | 899,878,000 |
| Interest-bearing deposits | 678,418,000 | 671,998,000 | 700,071,000 | 765,858,000 |
| Noninterest-bearing deposits | 135,314,000 | 125,943,000 | 126,415,000 | 134,020,000 |
| Equity capital | 109,060,000 | 108,403,000 | 116,303,000 | 122,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 14,336,000 | 29,157,000 | 44,268,000 | 60,053,000 |
| Interest expense | 3,227,000 | 6,609,000 | 10,059,000 | 13,724,000 |
| Net interest income | 11,109,000 | 22,548,000 | 34,209,000 | 46,329,000 |
| Noninterest income | 2,123,000 | 4,664,000 | 7,135,000 | 9,554,000 |
| Noninterest expense | 6,671,000 | 13,386,000 | 20,594,000 | 26,757,000 |
| Provision for loan losses | 750,000 | 1,600,000 | 2,500,000 | 3,400,000 |
| Pretax income | 6,207,000 | 12,359,000 | 18,383,000 | 25,859,000 |
| Income tax | 19,000 | 19,000 | 19,000 | 19,000 |
| Net income | 6,188,000 | 12,340,000 | 18,364,000 | 25,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,842,000 | 90,679,000 | 98,488,000 | 105,604,000 |
| Total capital | 99,048,000 | 101,458,000 | 109,812,000 | 116,340,000 |
| Risk-weighted assets | 847,636,000 | 878,767,000 | 896,342,000 | 930,011,000 |