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Income Statement
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Balance Sheet
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Income Overview
Net Income
$6,948K
EPS
$1.07
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
Interest and fees on loans
23,060
22,294
Interest on investment securities taxable
1,826
1,776
Interest on investment securities exempt from federal income tax
57
57
Total investment income
1,883
1,833
Other
819
744
Total interest income
25,762
24,871
Savings
43
45
Interest-bearing transaction accounts
5,343
5,104
Time deposits
1,623
1,639
Total interest on deposits
7,009
6,788
Interest on short-term borrowings
17
21
Interest on long-term borrowings
1,333
1,355
Total interest expense
8,359
8,164
Net interest income
17,403
16,707
Credit loss expense - loans
480
728
Credit loss expense - debt securities held to maturity
43
-
Credit loss expense/(credit) - off-balance sheet credit exposures
-13
132
Total credit loss expense
510
860
Net interest income after provision for credit losses
16,893
15,847
Net gains on investments, available for sale
97
-
Net gains on sales of residential mortgage loans
163
146
Net gains on disposal of fixed assets
1
-
Net gains
261
146
Service Charges
563
577
Other Service Charges
218
214
Trust Department
2,448
2,386
Debit Card Income
980
983
Bank Owned Life Insurance
355
349
Brokerage Commissions
346
370
Miscellaneous Other Service
164
61
Total other income
5,074
4,940
Total other operating income
5,335
5,086
Salaries and employee benefits
7,589
7,319
Fdic premiums
266
267
Equipment expense
515
565
Occupancy expense of premises
679
675
Data processing expense
1,517
1,600
Marketing expense
182
196
Professional services
639
589
Contract labor
127
166
Telephone
89
96
Other real estate owned expense, net
69
208
Investor relations
57
132
Contributions
90
78
Other
1,167
1,083
Total other operating expenses
12,986
12,974
Income before income tax expense
9,242
7,959
Provision for income tax expense
2,294
1,975
Net income
6,948
5,984
Basic EPS
1.07
0.92
Diluted EPS
1.07
0.92
Basic Average Shares
6,496,000
6,489,000
Diluted Average Shares
6,508,000
6,506,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest on investment
securities taxable
$1,826K
Interest on investment
securities exempt from...
$57K
Interest and fees on loans
$23,060K
Total investment
income
$1,883K
Other
$819K
Total interest income
$25,762K
Trust Department
$2,448K
Debit Card Income
$980K
Service Charges
$563K
Bank Owned Life
Insurance
$355K
Brokerage Commissions
$346K
Other Service Charges
$218K
Miscellaneous Other Service
$164K
Net gains on sales of
residential mortgage loans
$163K
Net gains on
investments, available for...
$97K
Net gains on
disposal of fixed assets
$1K
Net interest income
$17,403K
Total other income
$5,074K
Net gains
$261K
Total interest
expense
$8,359K
Net interest income
after provision for...
$16,893K
Total other operating
income
$5,335K
Total credit loss
expense
$510K
Credit loss
expense/(credit) - off-balance...
-$13K
Total interest on
deposits
$7,009K
Interest on long-term
borrowings
$1,333K
Interest on short-term
borrowings
$17K
Income before income
tax expense
$9,242K
Total other operating
expenses
$12,986K
Credit loss expense -
loans
$480K
Credit loss expense -
debt securities held...
$43K
Interest-bearing transaction
accounts
$5,343K
Time deposits
$1,623K
Savings
$43K
Net income
$6,948K
Provision for income tax
expense
$2,294K
Salaries and employee
benefits
$7,589K
Data processing
expense
$1,517K
Other
$1,167K
Occupancy expense of
premises
$679K
Professional services
$639K
Equipment expense
$515K
Fdic premiums
$266K
Marketing expense
$182K
Contract labor
$127K
Contributions
$90K
Telephone
$89K
Other real estate
owned expense, net
$69K
Investor relations
$57K
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FIRST UNITED CORP MD (FUNC)
FIRST UNITED CORP MD (FUNC)