Call reports 2007
FIRST UNITED NATIONAL BANK — 2007
What FIRST UNITED NATIONAL BANK 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 | 186,488,000 | 190,604,000 | 190,795,000 | 198,725,000 |
| Total loans | 135,308,000 | 135,528,000 | 137,561,000 | 138,032,000 |
| Allowance for loan losses | 1,287,000 | 1,309,000 | 1,323,000 | 1,307,000 |
| Securities available for sale | 33,917,000 | 35,189,000 | 37,104,000 | 41,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,158,000 | 174,186,000 | 173,995,000 | 182,076,000 |
| Interest-bearing deposits | 138,825,000 | 143,018,000 | 143,783,000 | 151,333,000 |
| Noninterest-bearing deposits | 31,333,000 | 31,168,000 | 30,212,000 | 30,743,000 |
| Equity capital | 15,439,000 | 15,556,000 | 15,799,000 | 15,778,000 |
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 | 2,618,000 | 5,362,000 | 8,160,000 | 11,042,000 |
| Interest expense | 1,161,000 | 2,417,000 | 3,718,000 | 5,092,000 |
| Net interest income | 1,457,000 | 2,945,000 | 4,442,000 | 5,950,000 |
| Noninterest income | 170,000 | 365,000 | 560,000 | 769,000 |
| Noninterest expense | 1,087,000 | 2,142,000 | 3,203,000 | 4,308,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 510,000 | 1,108,000 | 1,719,000 | 2,336,000 |
| Income tax | 121,000 | 270,000 | 457,000 | 570,000 |
| Net income | 389,000 | 838,000 | 1,262,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,223,000 | 15,393,000 | 15,535,000 | 15,467,000 |
| Total capital | 16,510,000 | 16,702,000 | 16,858,000 | 16,774,000 |
| Risk-weighted assets | 112,588,000 | 113,085,000 | 110,259,000 | 112,529,000 |