Call reports 2013
FIRST UNITED BANK AND TRUST COMPANY, INC. — 2013
What FIRST UNITED BANK AND TRUST COMPANY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 202,381,000 | 200,519,000 | 205,036,000 | 199,583,000 |
| Total loans | 115,997,000 | 120,347,000 | 120,807,000 | 119,511,000 |
| Allowance for loan losses | 2,428,000 | 2,410,000 | 2,396,000 | 2,395,000 |
| Securities available for sale | 69,228,000 | 65,606,000 | 66,675,000 | 65,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,233,000 | 154,206,000 | 147,450,000 | 156,825,000 |
| Interest-bearing deposits | 138,028,000 | 130,211,000 | 122,989,000 | 131,740,000 |
| Noninterest-bearing deposits | 24,205,000 | 23,995,000 | 24,461,000 | 25,085,000 |
| Equity capital | 26,398,000 | 24,949,000 | 25,367,000 | 25,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,169,000 | 4,291,000 | 6,474,000 | 8,627,000 |
| Interest expense | 220,000 | 421,000 | 592,000 | 728,000 |
| Net interest income | 1,949,000 | 3,870,000 | 5,882,000 | 7,899,000 |
| Noninterest income | 509,000 | 1,039,000 | 1,553,000 | 2,019,000 |
| Noninterest expense | 1,543,000 | 3,086,000 | 4,710,000 | 6,262,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 92,000 |
| Pretax income | 786,000 | 1,571,000 | 2,357,000 | 3,197,000 |
| Income tax | 10,000 | 25,000 | 40,000 | 55,000 |
| Net income | 776,000 | 1,546,000 | 2,317,000 | 3,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,063,000 | 23,467,000 | 23,977,000 | 24,343,000 |
| Total capital | 24,562,000 | 24,969,000 | 25,490,000 | 25,781,000 |
| Risk-weighted assets | 118,221,000 | 118,459,000 | 119,371,000 | 116,990,000 |