Call reports 2025
FIRST UNITED NATIONAL BANK — 2025
What FIRST UNITED NATIONAL 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 | 358,947,000 | 357,428,000 | 364,293,000 | 367,501,000 |
| Total loans | 196,012,000 | 200,051,000 | 203,163,000 | 201,329,000 |
| Allowance for loan losses | 1,017,000 | 1,050,000 | 1,073,000 | 1,075,000 |
| Securities available for sale | 121,434,000 | 118,199,000 | 117,232,000 | 113,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,120,000 | 339,214,000 | 342,505,000 | 345,032,000 |
| Interest-bearing deposits | 233,524,000 | 229,431,000 | 238,455,000 | 241,471,000 |
| Noninterest-bearing deposits | 107,596,000 | 109,783,000 | 104,050,000 | 103,561,000 |
| Equity capital | 16,459,000 | 16,883,000 | 20,168,000 | 21,033,000 |
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 | 3,365,000 | 6,918,000 | 10,531,000 | 14,317,000 |
| Interest expense | 1,255,000 | 2,518,000 | 3,745,000 | 4,987,000 |
| Net interest income | 2,110,000 | 4,400,000 | 6,786,000 | 9,330,000 |
| Noninterest income | 300,000 | 626,000 | 1,162,000 | 1,538,000 |
| Noninterest expense | 2,033,000 | 4,135,000 | 6,257,000 | 8,474,000 |
| Provision for loan losses | 40,000 | 103,000 | 176,000 | 257,000 |
| Pretax income | 343,000 | 785,000 | 1,507,000 | 2,142,000 |
| Income tax | 40,000 | 109,000 | 204,000 | 314,000 |
| Net income | 303,000 | 676,000 | 1,303,000 | 1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,344,000 | 30,606,000 | 31,233,000 | 31,423,000 |
| Total capital | 31,364,000 | 31,668,000 | 32,322,000 | 32,502,000 |
| Risk-weighted assets | 189,741,000 | 192,046,000 | 191,666,000 | 190,225,000 |