Call reports 2006
FIRST UNITED NATIONAL BANK — 2006
What FIRST UNITED NATIONAL BANK 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 | 170,264,000 | 175,548,000 | 178,298,000 | 179,383,000 |
| Total loans | 125,962,000 | 126,848,000 | 130,521,000 | 134,029,000 |
| Allowance for loan losses | 1,195,000 | 1,232,000 | 1,269,000 | 1,260,000 |
| Securities available for sale | 31,921,000 | 32,698,000 | 32,618,000 | 31,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,883,000 | 159,020,000 | 161,119,000 | 159,783,000 |
| Interest-bearing deposits | 124,721,000 | 130,271,000 | 131,481,000 | 130,408,000 |
| Noninterest-bearing deposits | 29,162,000 | 28,749,000 | 29,638,000 | 29,375,000 |
| Equity capital | 14,819,000 | 14,984,000 | 15,341,000 | 15,330,000 |
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 | 2,284,000 | 4,696,000 | 7,237,000 | 9,829,000 |
| Interest expense | 825,000 | 1,758,000 | 2,802,000 | 3,906,000 |
| Net interest income | 1,459,000 | 2,938,000 | 4,435,000 | 5,923,000 |
| Noninterest income | 170,000 | 357,000 | 543,000 | 719,000 |
| Noninterest expense | 1,013,000 | 2,001,000 | 2,994,000 | 3,975,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 571,000 | 1,204,000 | 1,849,000 | 2,502,000 |
| Income tax | 143,000 | 305,000 | 468,000 | 637,000 |
| Net income | 428,000 | 899,000 | 1,381,000 | 1,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,689,000 | 14,907,000 | 15,137,000 | 15,115,000 |
| Total capital | 15,884,000 | 16,139,000 | 16,406,000 | 16,375,000 |
| Risk-weighted assets | 103,106,000 | 104,209,000 | 106,363,000 | 119,223,000 |