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Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2019
Regulatory Capital Requirements [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

Actual

 

For Capital Adequacy
Purposes

 

To Be Well Capitalized
Under Prompt Corrective
Action Provisions

(in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

182,941 

 

16.29% 

 

$

89,837 

 

8.00% 

 

$

112,296 

 

10.00% 

First United Bank & Trust

 

 

169,943 

 

15.60% 

 

 

87,159 

 

8.00% 

 

 

108,948 

 

10.00% 

Tier 1 Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

         

 

 

Consolidated

 

 

170,326 

 

15.17% 

 

 

67,378 

 

6.00% 

 

 

89,837 

 

8.00% 

First United Bank & Trust

 

 

157,328 

 

14.44% 

 

 

65,369 

 

6.00% 

 

 

87,159 

 

8.00% 

Common Equity Tier 1 Capital
  (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

143,614 

 

12.79% 

 

 

50,533 

 

4.50% 

 

 

72,992 

 

6.50% 

First United Bank & Trust

 

 

157,328 

 

14.44% 

 

 

49,027 

 

4.50% 

 

 

70,817 

 

6.50% 

Tier 1 Capital (to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

        

Consolidated

 

 

170,326 

 

11.77% 

 

 

57,491 

 

4.00% 

 

 

71,864 

 

5.00% 

First United Bank & Trust

 

 

157,328 

 

10.99% 

 

 

56,729 

 

4.00% 

 

 

70,912 

 

5.00% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

Actual

 

For Capital Adequacy
Purposes

 

To Be Well Capitalized
Under Prompt Corrective
Action Provisions

(in thousands)

 

Amount

 

Ratio

 

Amount

 

Ratio

 

Amount

 

Ratio

December 31, 2018

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

169,905 

 

15.91% 

 

$

85,431 

 

8.00% 

 

$

106,789 

 

10.00% 

First United Bank & Trust

 

 

157,631 

 

15.43% 

 

 

81,729 

 

8.00% 

 

 

102,162 

 

10.00% 

Tier 1 Capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

         

 

 

Consolidated

 

 

158,795 

 

14.87% 

 

 

64,073 

 

6.00% 

 

 

85,431 

 

8.00% 

First United Bank & Trust

 

 

146,521 

 

14.35% 

 

 

61,297 

 

6.00% 

 

 

81,729 

 

8.00% 

Common Equity Tier 1 Capital
  (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

132,938 

 

12.45% 

 

 

48,055 

 

4.50% 

 

 

69,413 

 

6.50% 

First United Bank & Trust

 

 

146,521 

 

14.35% 

 

 

45,973 

 

4.50% 

 

 

66,405 

 

6.50% 

Tier 1 Capital (to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

        

Consolidated

 

 

158,795 

 

11.47% 

 

 

55,136 

 

4.00% 

 

 

68,920 

 

5.00% 

First United Bank & Trust

 

 

146,521 

 

10.70% 

 

 

54,338 

 

4.00% 

 

 

67,922 

 

5.00%