Call reports 2014
FIRST UNITED BANK AND TRUST COMPANY, INC. — 2014
What FIRST UNITED BANK AND TRUST COMPANY, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 200,013,000 | 204,333,000 | 202,651,000 | 202,762,000 |
| Total loans | 117,381,000 | 123,680,000 | 124,507,000 | 126,446,000 |
| Allowance for loan losses | 2,439,000 | 2,382,000 | 2,380,000 | 2,331,000 |
| Securities available for sale | 66,928,000 | 68,022,000 | 65,153,000 | 63,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,941,000 | 149,381,000 | 149,061,000 | 153,816,000 |
| Interest-bearing deposits | 130,894,000 | 121,458,000 | 121,517,000 | 126,376,000 |
| Noninterest-bearing deposits | 26,047,000 | 27,923,000 | 27,544,000 | 27,440,000 |
| Equity capital | 25,785,000 | 26,953,000 | 27,431,000 | 27,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,065,000 | 4,166,000 | 6,326,000 | 8,459,000 |
| Interest expense | 129,000 | 244,000 | 357,000 | 463,000 |
| Net interest income | 1,936,000 | 3,922,000 | 5,969,000 | 7,996,000 |
| Noninterest income | 417,000 | 931,000 | 1,448,000 | 1,944,000 |
| Noninterest expense | 1,495,000 | 3,018,000 | 4,599,000 | 6,185,000 |
| Provision for loan losses | 23,000 | 23,000 | 23,000 | 23,000 |
| Pretax income | 818,000 | 1,723,000 | 2,620,000 | 3,473,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 7,000 |
| Net income | 803,000 | 1,693,000 | 2,575,000 | 3,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,517,000 | 24,941,000 | 25,568,000 | 25,857,000 |
| Total capital | 25,995,000 | 26,465,000 | 27,095,000 | 27,396,000 |
| Risk-weighted assets | 117,241,000 | 120,990,000 | 121,254,000 | 122,259,000 |