| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 18,738 | 11,790 |
| Provision for credit losses | 2,026 | 1,516 |
| Depreciation | 1,935 | 1,311 |
| Stock based compensation | 588 | 495 |
| Gains on sales of other real estate owned, net | 79 | - |
| Write-downs of other real estate owned, net | 41 | 27 |
| Originations of loans held for sale | 5,816 | 3,172 |
| Proceeds from sales of loans held for sale | 6,162 | 4,106 |
| Gains from sales of loans held for sale | 401 | 238 |
| Gains on disposal of fixed assets | 1 | - |
| Net accretion of investment securities discounts and premiums- afs | -142 | -94 |
| Net accretion of investment securities discounts and premiums- htm | -436 | -271 |
| Amortization of intangible assets | 247 | 164 |
| Gains on sales of investment securities - afs | 97 | - |
| Earnings on bank owned life insurance | 1,045 | 690 |
| Amortization of deferred loan fees, net | 160 | 78 |
| Amortization of operating lease right of use asset | 220 | 146 |
| Increase in accrued interest receivable and other assets | 7,268 | 4,370 |
| Deferred tax (benefit)/expense | 1,761 | 32 |
| Amortization of operating lease liability | -232 | -153 |
| Decrease in accrued interest payable and other liabilities | -3,042 | -2,497 |
| Net cash provided by operating activities | 9,477 | 7,960 |
| Proceeds from maturities/calls of investment securities - afs | 4,031 | 2,576 |
| Proceeds from maturities/calls of investment securities - htm | 5,424 | 3,169 |
| Proceeds from sales of investment securities - afs | 8,965 | - |
| Purchases of investment securities - afs | 19,831 | 8,832 |
| Purchases of investment securities - htm | 2,352 | 2,352 |
| Purchases of equity securities with readily determinable fair market values | 1,020 | 1,008 |
| Proceeds from sales of other real estate owned | 612 | - |
| Proceeds from disposal of fixed assets | 1 | - |
| Net decrease/(increase) in restricted stock | -1,140 | 47 |
| Net increase in loans | 17,195 | 22,030 |
| Purchases of premises and equipment | 2,223 | 874 |
| Net cash (used in)/provided by investing activities | -22,448 | -29,398 |
| Net increase/(decrease) in deposits | 104,073 | 39,378 |
| Issuance of common stock | 226 | 150 |
| Cash dividends paid on common stock | 4,278 | 2,849 |
| Net (decrease)/increase in short-term borrowings | -45,202 | -14,455 |
| Payments of long-term borrowings | 25,000 | - |
| Net cash provided by/(used in) financing activities | 29,819 | 22,224 |
| Increase in cash and cash equivalents | 16,848 | 786 |
| Cash and cash equivalents at beginning of period | 78,327 | - |
| Cash and cash equivalents at end of period | 95,175 | - |
FIRST UNITED CORP MD (FUNC)
FIRST UNITED CORP MD (FUNC)