Call reports 2008
FIRST UNITED NATIONAL BANK — 2008
What FIRST UNITED NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 205,397,000 | 212,029,000 | 210,643,000 | 219,331,000 |
| Total loans | 137,986,000 | 140,848,000 | 143,023,000 | 142,778,000 |
| Allowance for loan losses | 1,304,000 | 1,290,000 | 1,269,000 | 1,274,000 |
| Securities available for sale | 43,962,000 | 47,579,000 | 45,421,000 | 48,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,102,000 | 194,765,000 | 193,495,000 | 201,862,000 |
| Interest-bearing deposits | 155,960,000 | 163,225,000 | 160,188,000 | 167,883,000 |
| Noninterest-bearing deposits | 32,142,000 | 31,540,000 | 33,307,000 | 33,979,000 |
| Equity capital | 16,097,000 | 15,944,000 | 16,284,000 | 16,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,838,000 | 5,707,000 | 8,618,000 | 11,558,000 |
| Interest expense | 1,344,000 | 2,653,000 | 3,880,000 | 5,041,000 |
| Net interest income | 1,494,000 | 3,054,000 | 4,738,000 | 6,517,000 |
| Noninterest income | 200,000 | 413,000 | 654,000 | 847,000 |
| Noninterest expense | 1,070,000 | 2,161,000 | 3,227,000 | 4,388,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 55,000 |
| Pretax income | 639,000 | 1,324,000 | 2,172,000 | 2,941,000 |
| Income tax | 154,000 | 326,000 | 554,000 | 881,000 |
| Net income | 485,000 | 998,000 | 1,618,000 | 2,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,672,000 | 15,904,000 | 16,243,000 | 16,124,000 |
| Total capital | 16,976,000 | 17,194,000 | 17,512,000 | 17,398,000 |
| Risk-weighted assets | 114,955,000 | 117,046,000 | 117,207,000 | 118,241,000 |