Call reports 2025
FIRST UNITED BANK & TRUST — 2025
What FIRST UNITED BANK & TRUST 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 | 1,955,344,000 | 1,981,915,000 | 1,997,857,000 | 2,060,785,000 |
| Total loans | 1,479,869,000 | 1,502,590,000 | 1,497,623,000 | 1,521,834,000 |
| Allowance for loan losses | 18,467,000 | 19,044,000 | 19,089,000 | 19,470,000 |
| Securities available for sale | 86,553,000 | 89,654,000 | 91,151,000 | 92,488,000 |
| Securities held to maturity | 174,203,000 | 175,010,000 | 172,920,000 | 171,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,631,883,000 | 1,623,559,000 | 1,686,906,000 | 1,743,614,000 |
| Interest-bearing deposits | 1,209,468,000 | 1,197,775,000 | 1,256,920,000 | 1,290,578,000 |
| Noninterest-bearing deposits | 422,415,000 | 425,784,000 | 429,986,000 | 453,036,000 |
| Equity capital | 190,076,000 | 196,404,000 | 204,321,000 | 207,810,000 |
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 | 23,730,000 | 48,267,000 | 73,694,000 | 99,524,000 |
| Interest expense | 7,605,000 | 15,331,000 | 23,250,000 | 30,982,000 |
| Net interest income | 16,125,000 | 32,936,000 | 50,444,000 | 68,542,000 |
| Noninterest income | 4,896,000 | 9,939,000 | 15,225,000 | 18,804,000 |
| Noninterest expense | 12,448,000 | 25,187,000 | 38,102,000 | 51,191,000 |
| Provision for loan losses | 657,000 | 1,385,000 | 1,865,000 | 2,345,000 |
| Pretax income | 7,917,000 | 16,172,000 | 25,638,000 | 33,509,000 |
| Income tax | 1,947,000 | 3,985,000 | 6,279,000 | 8,166,000 |
| Net income | 5,970,000 | 12,187,000 | 19,359,000 | 25,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 209,200,000 | 213,510,000 | 218,882,000 | 222,675,000 |
| Total capital | 228,450,000 | 232,947,000 | 238,202,000 | 242,647,000 |
| Risk-weighted assets | 1,539,895,000 | 1,554,307,000 | 1,544,762,000 | 1,596,998,000 |