Call reports 2015
FIRST UNITED BANK AND TRUST COMPANY, INC. — 2015
What FIRST UNITED BANK AND TRUST COMPANY, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 197,854,000 | 203,645,000 | 201,238,000 | 207,082,000 |
| Total loans | 124,921,000 | 128,302,000 | 129,856,000 | 131,663,000 |
| Allowance for loan losses | 2,312,000 | 2,295,000 | 2,265,000 | 2,263,000 |
| Securities available for sale | 60,708,000 | 59,151,000 | 59,287,000 | 59,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,044,000 | 153,917,000 | 145,057,000 | 159,917,000 |
| Interest-bearing deposits | 123,249,000 | 125,879,000 | 116,321,000 | 127,013,000 |
| Noninterest-bearing deposits | 27,795,000 | 28,038,000 | 28,736,000 | 32,904,000 |
| Equity capital | 29,035,000 | 28,864,000 | 29,699,000 | 29,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,058,000 | 4,156,000 | 6,283,000 | 8,399,000 |
| Interest expense | 104,000 | 208,000 | 304,000 | 392,000 |
| Net interest income | 1,954,000 | 3,948,000 | 5,979,000 | 8,007,000 |
| Noninterest income | 457,000 | 949,000 | 1,465,000 | 1,957,000 |
| Noninterest expense | 1,510,000 | 3,047,000 | 4,581,000 | 6,145,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 818,000 | 1,679,000 | 2,605,000 | 3,491,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 816,000 | 1,674,000 | 2,598,000 | 3,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,646,000 | 27,036,000 | 27,670,000 | 27,958,000 |
| Total capital | 28,237,000 | 28,696,000 | 29,327,000 | 29,655,000 |
| Risk-weighted assets | 126,630,000 | 132,211,000 | 132,016,000 | 135,202,000 |