Call reports 2006
FIRST UNITED BANK AND TRUST COMPANY, INC. — 2006
What FIRST UNITED BANK AND TRUST COMPANY, INC. 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 | 147,033,000 | 145,813,000 | 147,298,000 | 147,325,000 |
| Total loans | 114,000,000 | 112,438,000 | 114,581,000 | 116,503,000 |
| Allowance for loan losses | 1,921,000 | 1,982,000 | 2,074,000 | 1,975,000 |
| Securities available for sale | 20,763,000 | 21,897,000 | 23,518,000 | 20,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,011,000 | 114,535,000 | 111,762,000 | 114,917,000 |
| Interest-bearing deposits | 102,987,000 | 99,686,000 | 97,097,000 | 100,573,000 |
| Noninterest-bearing deposits | 15,024,000 | 14,849,000 | 14,666,000 | 14,343,000 |
| Equity capital | 12,165,000 | 12,297,000 | 12,624,000 | 12,944,000 |
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 | 2,226,000 | 4,471,000 | 6,834,000 | 9,307,000 |
| Interest expense | 905,000 | 1,850,000 | 2,864,000 | 3,939,000 |
| Net interest income | 1,321,000 | 2,621,000 | 3,970,000 | 5,368,000 |
| Noninterest income | 279,000 | 573,000 | 888,000 | 1,228,000 |
| Noninterest expense | 1,095,000 | 2,158,000 | 3,278,000 | 4,422,000 |
| Provision for loan losses | 113,000 | 224,000 | 339,000 | 454,000 |
| Pretax income | 392,000 | 812,000 | 1,241,000 | 1,720,000 |
| Income tax | 127,000 | 263,000 | 403,000 | 548,000 |
| Net income | 265,000 | 549,000 | 838,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,359,000 | 12,544,000 | 12,754,000 | 13,009,000 |
| Total capital | 13,630,000 | 13,804,000 | 14,030,000 | 14,308,000 |
| Risk-weighted assets | 101,003,000 | 100,069,000 | 101,276,000 | 103,221,000 |