Call reports 2004
FIRST UNITED NATIONAL BANK — 2004
What FIRST UNITED NATIONAL BANK 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 | 157,549,000 | 164,679,000 | 168,158,000 | 162,370,000 |
| Total loans | 117,172,000 | 120,123,000 | 124,808,000 | 119,709,000 |
| Allowance for loan losses | 1,047,000 | 1,089,000 | 1,091,000 | 1,130,000 |
| Securities available for sale | 29,821,000 | 32,298,000 | 32,126,000 | 31,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,955,000 | 142,256,000 | 142,994,000 | 142,591,000 |
| Interest-bearing deposits | 112,460,000 | 116,513,000 | 117,332,000 | 116,208,000 |
| Noninterest-bearing deposits | 25,495,000 | 25,743,000 | 25,662,000 | 26,383,000 |
| Equity capital | 13,932,000 | 13,794,000 | 14,128,000 | 14,201,000 |
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 | 2,128,000 | 4,240,000 | 6,421,000 | 8,646,000 |
| Interest expense | 637,000 | 1,276,000 | 1,921,000 | 2,615,000 |
| Net interest income | 1,491,000 | 2,964,000 | 4,500,000 | 6,031,000 |
| Noninterest income | 152,000 | 252,000 | 440,000 | 795,000 |
| Noninterest expense | 986,000 | 1,908,000 | 2,910,000 | 3,913,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 615,000 | 1,222,000 | 1,899,000 | 2,652,000 |
| Income tax | 157,000 | 310,000 | 491,000 | 700,000 |
| Net income | 458,000 | 912,000 | 1,408,000 | 1,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,043,000 | 13,327,000 | 13,471,000 | 13,690,000 |
| Total capital | 14,090,000 | 14,416,000 | 14,562,000 | 14,820,000 |
| Risk-weighted assets | 89,378,000 | 93,568,000 | 95,831,000 | 97,623,000 |