Call reports 2005
FIRST UNITED NATIONAL BANK — 2005
What FIRST UNITED NATIONAL BANK 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 | 163,084,000 | 169,512,000 | 168,585,000 | 170,913,000 |
| Total loans | 117,875,000 | 119,071,000 | 120,486,000 | 122,887,000 |
| Allowance for loan losses | 1,146,000 | 1,168,000 | 1,124,000 | 1,153,000 |
| Securities available for sale | 31,776,000 | 35,500,000 | 35,192,000 | 33,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,958,000 | 151,377,000 | 150,160,000 | 152,368,000 |
| Interest-bearing deposits | 118,428,000 | 124,780,000 | 122,490,000 | 123,661,000 |
| Noninterest-bearing deposits | 26,530,000 | 26,597,000 | 27,670,000 | 28,707,000 |
| Equity capital | 14,335,000 | 14,620,000 | 14,786,000 | 14,654,000 |
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 | 2,169,000 | 4,365,000 | 6,599,000 | 8,884,000 |
| Interest expense | 657,000 | 1,354,000 | 2,100,000 | 2,908,000 |
| Net interest income | 1,512,000 | 3,011,000 | 4,499,000 | 5,976,000 |
| Noninterest income | 164,000 | 338,000 | 527,000 | 717,000 |
| Noninterest expense | 985,000 | 1,991,000 | 3,006,000 | 4,090,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 655,000 | 1,278,000 | 1,894,000 | 2,439,000 |
| Income tax | 162,000 | 315,000 | 469,000 | 608,000 |
| Net income | 493,000 | 963,000 | 1,425,000 | 1,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,060,000 | 14,289,000 | 14,549,000 | 14,502,000 |
| Total capital | 15,206,000 | 15,457,000 | 15,673,000 | 15,655,000 |
| Risk-weighted assets | 98,073,000 | 99,299,000 | 100,317,000 | 100,967,000 |