Call reports 2025
FIRST UNITED BANK AND TRUST COMPANY, INC. — 2025
What FIRST UNITED BANK AND TRUST COMPANY, INC. 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 | 584,250,000 | 589,176,000 | 589,861,000 | 593,979,000 |
| Total loans | 390,065,000 | 400,053,000 | 401,375,000 | 404,909,000 |
| Allowance for loan losses | 4,372,000 | 4,421,000 | 4,464,000 | 4,529,000 |
| Securities available for sale | 129,613,000 | 130,190,000 | 135,047,000 | 136,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,905,000 | 535,962,000 | 527,308,000 | 544,750,000 |
| Interest-bearing deposits | 434,154,000 | 424,828,000 | 417,244,000 | 441,522,000 |
| Noninterest-bearing deposits | 107,751,000 | 111,134,000 | 110,064,000 | 103,228,000 |
| Equity capital | 28,198,000 | 28,506,000 | 32,251,000 | 34,099,000 |
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 | 7,761,000 | 15,805,000 | 23,924,000 | 32,106,000 |
| Interest expense | 3,123,000 | 6,176,000 | 9,168,000 | 11,979,000 |
| Net interest income | 4,638,000 | 9,629,000 | 14,756,000 | 20,127,000 |
| Noninterest income | 824,000 | 1,653,000 | 2,554,000 | 3,498,000 |
| Noninterest expense | 3,984,000 | 8,064,000 | 12,165,000 | 16,635,000 |
| Provision for loan losses | 61,000 | 123,000 | 185,000 | 248,000 |
| Pretax income | 1,417,000 | 3,095,000 | 4,960,000 | 6,746,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,417,000 | 3,095,000 | 4,960,000 | 6,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,864,000 | 52,514,000 | 53,791,000 | 54,572,000 |
| Total capital | 56,236,000 | 56,935,000 | 58,255,000 | 59,101,000 |
| Risk-weighted assets | 401,818,000 | 409,042,000 | 411,415,000 | 412,592,000 |