Call reports 2005
FIRST UNITED BANK AND TRUST COMPANY, INC. — 2005
What FIRST UNITED BANK AND TRUST COMPANY, INC. 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 | 132,089,000 | 133,830,000 | 139,386,000 | 143,736,000 |
| Total loans | 103,615,000 | 109,034,000 | 111,452,000 | 113,836,000 |
| Allowance for loan losses | 1,886,000 | 1,945,000 | 1,858,000 | 1,840,000 |
| Securities available for sale | 21,243,000 | 18,768,000 | 18,345,000 | 18,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,377,000 | 104,784,000 | 111,236,000 | 117,925,000 |
| Interest-bearing deposits | 93,358,000 | 92,600,000 | 97,612,000 | 103,820,000 |
| Noninterest-bearing deposits | 13,018,000 | 12,184,000 | 13,624,000 | 14,105,000 |
| Equity capital | 11,321,000 | 11,627,000 | 11,890,000 | 12,059,000 |
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 | 1,877,000 | 3,838,000 | 5,918,000 | 8,118,000 |
| Interest expense | 673,000 | 1,379,000 | 2,143,000 | 2,977,000 |
| Net interest income | 1,204,000 | 2,459,000 | 3,775,000 | 5,141,000 |
| Noninterest income | 261,000 | 515,000 | 834,000 | 1,079,000 |
| Noninterest expense | 951,000 | 1,925,000 | 2,964,000 | 3,987,000 |
| Provision for loan losses | 113,000 | 226,000 | 341,000 | 456,000 |
| Pretax income | 401,000 | 823,000 | 1,304,000 | 1,777,000 |
| Income tax | 130,000 | 267,000 | 425,000 | 558,000 |
| Net income | 271,000 | 556,000 | 879,000 | 1,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,442,000 | 11,674,000 | 11,941,000 | 12,220,000 |
| Total capital | 12,617,000 | 12,873,000 | 13,181,000 | 13,489,000 |
| Risk-weighted assets | 93,253,000 | 95,953,000 | 98,587,000 | 100,928,000 |