Call reports 2005
FIRST UNITED BANK AND TRUST COMPANY — 2005
What FIRST UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,295,496,000 | 1,294,714,000 | 1,322,207,000 | 1,551,945,000 |
| Total loans | 955,838,000 | 959,542,000 | 975,065,000 | 1,089,214,000 |
| Allowance for loan losses | 10,423,000 | 11,174,000 | 11,741,000 | 11,696,000 |
| Securities available for sale | 188,334,000 | 204,130,000 | 220,518,000 | 312,851,000 |
| Securities held to maturity | 34,000 | 34,000 | 34,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,080,216,000 | 1,082,752,000 | 1,098,352,000 | 1,309,753,000 |
| Interest-bearing deposits | 894,013,000 | 909,256,000 | 918,209,000 | 1,094,086,000 |
| Noninterest-bearing deposits | 186,203,000 | 173,496,000 | 180,143,000 | 215,667,000 |
| Equity capital | 124,764,000 | 123,622,000 | 127,989,000 | 138,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 16,572,000 | 36,216,000 | 57,370,000 | 79,826,000 |
| Interest expense | 4,311,000 | 9,998,000 | 16,493,000 | 24,172,000 |
| Net interest income | 12,261,000 | 26,218,000 | 40,877,000 | 55,654,000 |
| Noninterest income | 2,748,000 | 6,059,000 | 9,504,000 | 12,909,000 |
| Noninterest expense | 7,868,000 | 17,508,000 | 27,115,000 | 38,489,000 |
| Provision for loan losses | 975,000 | 1,950,000 | 2,925,000 | 3,900,000 |
| Pretax income | 6,166,000 | 13,404,000 | 20,926,000 | 26,372,000 |
| Income tax | 45,000 | 45,000 | 45,000 | 45,000 |
| Net income | 6,121,000 | 13,359,000 | 20,881,000 | 26,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,636,000 | 99,068,000 | 104,865,000 | 110,849,000 |
| Total capital | 111,774,000 | 111,011,000 | 117,209,000 | 123,195,000 |
| Risk-weighted assets | 1,042,993,000 | 1,061,377,000 | 1,086,776,000 | 1,212,556,000 |