Call reports 2003
FIRST UNITED NATIONAL BANK — 2003
What FIRST UNITED NATIONAL BANK 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 | 156,997,000 | 163,068,000 | 157,815,000 | 157,523,000 |
| Total loans | 107,056,000 | 112,652,000 | 114,892,000 | 117,319,000 |
| Allowance for loan losses | 974,000 | 976,000 | 1,018,000 | 1,032,000 |
| Securities available for sale | 32,656,000 | 31,821,000 | 30,191,000 | 29,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,171,000 | 143,893,000 | 133,418,000 | 134,074,000 |
| Interest-bearing deposits | 114,761,000 | 119,774,000 | 109,470,000 | 110,053,000 |
| Noninterest-bearing deposits | 23,410,000 | 24,119,000 | 23,948,000 | 24,021,000 |
| Equity capital | 13,205,000 | 13,450,000 | 13,691,000 | 13,725,000 |
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 | 2,164,000 | 4,353,000 | 6,504,000 | 8,604,000 |
| Interest expense | 759,000 | 1,483,000 | 2,144,000 | 2,790,000 |
| Net interest income | 1,405,000 | 2,870,000 | 4,360,000 | 5,814,000 |
| Noninterest income | 159,000 | 310,000 | 467,000 | 680,000 |
| Noninterest expense | 878,000 | 1,822,000 | 2,790,000 | 3,769,000 |
| Provision for loan losses | 15,000 | 40,000 | 85,000 | 130,000 |
| Pretax income | 671,000 | 1,318,000 | 1,952,000 | 2,361,000 |
| Income tax | 171,000 | 337,000 | 499,000 | 583,000 |
| Net income | 500,000 | 981,000 | 1,453,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,233,000 | 12,313,000 | 12,768,000 | 12,864,000 |
| Total capital | 13,207,000 | 13,289,000 | 13,786,000 | 13,896,000 |
| Risk-weighted assets | 91,286,000 | 94,498,000 | 93,917,000 | 94,050,000 |