Call reports 2006
FIRST UNITED BANK AND TRUST COMPANY — 2006
What FIRST UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,560,221,000 | 1,571,695,000 | 1,582,397,000 | 1,659,501,000 |
| Total loans | 1,114,234,000 | 1,142,660,000 | 1,155,796,000 | 1,232,746,000 |
| Allowance for loan losses | 12,365,000 | 13,389,000 | 14,171,000 | 14,618,000 |
| Securities available for sale | 289,224,000 | 276,454,000 | 288,253,000 | 267,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,312,134,000 | 1,327,477,000 | 1,312,667,000 | 1,379,161,000 |
| Interest-bearing deposits | 1,095,248,000 | 1,107,906,000 | 1,094,153,000 | 1,171,986,000 |
| Noninterest-bearing deposits | 216,886,000 | 219,571,000 | 218,514,000 | 207,175,000 |
| Equity capital | 141,000,000 | 141,649,000 | 149,235,000 | 159,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 25,254,000 | 52,509,000 | 81,215,000 | 110,329,000 |
| Interest expense | 9,183,000 | 19,222,000 | 30,224,000 | 42,066,000 |
| Net interest income | 16,071,000 | 33,287,000 | 50,991,000 | 68,263,000 |
| Noninterest income | 3,590,000 | 7,810,000 | 11,667,000 | 15,993,000 |
| Noninterest expense | 11,614,000 | 23,334,000 | 34,904,000 | 45,995,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 3,600,000 | 4,350,000 |
| Pretax income | 6,847,000 | 15,363,000 | 24,154,000 | 33,911,000 |
| Income tax | 84,000 | 125,000 | 155,000 | 185,000 |
| Net income | 6,763,000 | 15,238,000 | 23,999,000 | 33,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,339,000 | 117,387,000 | 122,967,000 | 133,141,000 |
| Total capital | 127,429,000 | 131,399,000 | 137,854,000 | 148,529,000 |
| Risk-weighted assets | 1,244,752,000 | 1,259,145,000 | 1,302,916,000 | 1,386,011,000 |