Call reports 2025
FIRST UNITED BANK — 2025
What FIRST UNITED BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 734,138,000 | 712,548,000 | 718,991,000 | 723,672,000 |
| Total loans | 507,397,000 | 514,840,000 | 519,886,000 | 532,110,000 |
| Allowance for loan losses | 6,785,000 | 7,015,000 | 7,013,000 | 7,035,000 |
| Securities available for sale | 155,584,000 | 150,883,000 | 149,334,000 | 133,842,000 |
| Securities held to maturity | 450,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,795,000 | 609,279,000 | 600,069,000 | 620,742,000 |
| Interest-bearing deposits | 512,774,000 | 485,671,000 | 483,208,000 | 489,428,000 |
| Noninterest-bearing deposits | 130,021,000 | 123,608,000 | 116,861,000 | 131,314,000 |
| Equity capital | 67,696,000 | 69,039,000 | 73,406,000 | 75,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,953,000 | 18,113,000 | 27,473,000 | 36,875,000 |
| Interest expense | 3,361,000 | 6,579,000 | 9,826,000 | 13,087,000 |
| Net interest income | 5,592,000 | 11,534,000 | 17,647,000 | 23,788,000 |
| Noninterest income | 597,000 | 1,142,000 | 1,806,000 | 2,398,000 |
| Noninterest expense | 3,819,000 | 7,644,000 | 11,594,000 | 15,815,000 |
| Provision for loan losses | 250,000 | 475,000 | 475,000 | 475,000 |
| Pretax income | 2,116,000 | 4,547,000 | 7,372,000 | 9,694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,116,000 | 4,547,000 | 7,372,000 | 9,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,729,000 | 70,747,000 | 72,008,000 | 72,620,000 |