First United Bank & Trust

First United Bank & Trust is headquartered in Oakland and is the 4^th largest bank in the state of Maryland. It is also the 481^st largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 346 employees at 28 locations. First United Bank & Trust has a 2-star health rating.

First United Bank & Trust Routing Number: 052100987

Data for Q1 2012

Institution Statistics First United Bank & Trust FDIC Certificate # 4857 BankRate Report View Year Established 1900 Employees 346 Primary Regulator FDIC Assets and Liabilities Assets $1.38 billion Loans $897.14 million Deposits $1.04 billion Equity Capital $138.43 million Loan Loss Allowance $17.21 million Unbacked Noncurrent Loans $28.58 million Real Estate Owned $19.12 million Historic Data - March 2011 Assets $1.51 billion Equity Capital $138.47 million Loan Loss Allowance $21.41 million Unbacked Noncurrent Loans $38.59 million Real Estate Owned $18.03 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets -0.59% Return on Equity -5.8% Interest Income $13.77 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First United Bank & Trust had $47.69 million in non-current loans and owned real-estate with $155.64 million in equity and loan loss allowances on hand to cover it. This gives First United Bank & Trust a Texas Ratio of 30.64% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First United Bank & Trust held steady from 35.29% as of March 31, 2011 to 30.64% as of March 31, 2012, resulting in a positive change of 13.16%.This indicates that the balance sheet and financial strength for First United Bank & Trust has held steady in recent periods. Deposit Growth In the past year, First United Bank & Trust has decreased its total deposits by -$94.42 million, resulting in -8.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First United Bank & Trust has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First United Bank & Trust has $1.38 billion in assets with $155.64 million in equity, resulting in a capitalization level of 11.28%, which is above average.

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