First United Balance Sheet Health
Financial Health criteria checks 6/6
First United has total assets of $1.9B and total equity of $164.2M. Total deposits are $1.5B, and total loans are $1.4B. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $45.1M.
Key information
11.4x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$1.54b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$45.09m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FU3's Assets to Equity ratio (11.4x) is moderate.
Allowance for Bad Loans: FU3 has a sufficient allowance for bad loans (180%).
Low Risk Liabilities: 90% of FU3's liabilities are made up of primarily low risk sources of funding.
Loan Level: FU3 has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: FU3's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: FU3 has an appropriate level of bad loans (0.7%).