Call reports 2007
FIRST UNITED BANK AND TRUST COMPANY — 2007
What FIRST UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,732,826,000 | 1,732,212,000 | 1,749,573,000 | 1,841,731,000 |
| Total loans | 1,271,195,000 | 1,273,279,000 | 1,266,968,000 | 1,315,645,000 |
| Allowance for loan losses | 15,703,000 | 16,783,000 | 16,141,000 | 16,623,000 |
| Securities available for sale | 249,078,000 | 274,405,000 | 296,381,000 | 365,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,458,561,000 | 1,462,676,000 | 1,469,493,000 | 1,451,320,000 |
| Interest-bearing deposits | 1,242,745,000 | 1,245,253,000 | 1,236,588,000 | 1,231,209,000 |
| Noninterest-bearing deposits | 215,816,000 | 217,423,000 | 232,905,000 | 220,111,000 |
| Equity capital | 165,668,000 | 164,814,000 | 172,454,000 | 183,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 30,318,000 | 62,007,000 | 94,803,000 | 126,379,000 |
| Interest expense | 12,690,000 | 26,252,000 | 39,738,000 | 52,297,000 |
| Net interest income | 17,628,000 | 35,755,000 | 55,065,000 | 74,082,000 |
| Noninterest income | 4,909,000 | 9,768,000 | 14,634,000 | 19,493,000 |
| Noninterest expense | 12,547,000 | 25,888,000 | 39,234,000 | 51,942,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 3,600,000 | 4,800,000 |
| Pretax income | 8,790,000 | 17,235,000 | 26,584,000 | 36,552,000 |
| Income tax | 41,000 | 118,000 | 178,000 | 238,000 |
| Net income | 8,749,000 | 17,117,000 | 26,406,000 | 36,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,895,000 | 140,118,000 | 145,117,000 | 154,925,000 |
| Total capital | 155,300,000 | 157,764,000 | 162,063,000 | 172,054,000 |
| Risk-weighted assets | 1,438,792,000 | 1,447,836,000 | 1,454,833,000 | 1,502,995,000 |