Call reports 2009
FIRST UNITED BANK AND TRUST COMPANY, INC. — 2009
What FIRST UNITED BANK AND TRUST COMPANY, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 203,984,000 | 209,387,000 | 206,924,000 | 211,112,000 |
| Total loans | 127,698,000 | 127,120,000 | 125,143,000 | 123,378,000 |
| Allowance for loan losses | 2,027,000 | 2,081,000 | 1,639,000 | 1,613,000 |
| Securities available for sale | 65,665,000 | 65,952,000 | 67,291,000 | 66,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,362,000 | 144,752,000 | 140,256,000 | 150,520,000 |
| Interest-bearing deposits | 138,342,000 | 125,693,000 | 121,887,000 | 131,751,000 |
| Noninterest-bearing deposits | 19,021,000 | 19,060,000 | 18,369,000 | 18,768,000 |
| Equity capital | 17,077,000 | 16,518,000 | 18,150,000 | 17,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,911,000 | 5,836,000 | 8,657,000 | 11,461,000 |
| Interest expense | 903,000 | 1,787,000 | 2,602,000 | 3,362,000 |
| Net interest income | 2,008,000 | 4,049,000 | 6,055,000 | 8,099,000 |
| Noninterest income | 372,000 | 258,000 | 772,000 | 1,225,000 |
| Noninterest expense | 1,498,000 | 3,065,000 | 4,605,000 | 6,103,000 |
| Provision for loan losses | 90,000 | 181,000 | 298,000 | 743,000 |
| Pretax income | 801,000 | 1,077,000 | 1,032,000 | 1,583,000 |
| Income tax | 280,000 | 370,000 | 530,000 | 544,000 |
| Net income | 521,000 | 707,000 | 502,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,589,000 | 16,740,000 | 16,534,000 | 16,995,000 |
| Total capital | 18,109,000 | 18,221,000 | 18,061,000 | 18,541,000 |
| Risk-weighted assets | 122,369,000 | 125,545,000 | 123,406,000 | 124,903,000 |