{ "docId": "019de073-b9e6-7580-b92c-33acd2d6f9a8", "docSlug": "8793fcbdb44707f96b55dd90de08fedb", "documentTitle": "First United Corporation | Investor Presentation Deck | 32 slides", "authorId": "first-united-corporation", "authorName": "First United Corporation", "documentKindSlug": "conference-presentation", "documentKindLabel": "Conference presentation", "sourceTypeSlug": "investor_relations", "sourceTypeLabel": "Investor relations", "presentationDate": "2022-10-01 00:00:00", "orientation": "landscape", "aspectRatio": 1.3333334, "pageNumber": 11, "pageCount": 32, "prevPage": 10, "nextPage": 12, "slideType": "kpi_overview", "function": "summarize", "density": "overcrowded", "nDataPoints": 13, "notes": "Includes both primary KPIs in a header bar and supporting narrative bullet points.", "elementsJson": null, "metadataConfidence": 1, "imagePath": null, "slideHref": "/slides/019de073-b9e6-7580-b92c-33acd2d6f9a8/11", "deckHref": "/decks/019de073-b9e6-7580-b92c-33acd2d6f9a8", "deckJsonHref": "/decks/019de073-b9e6-7580-b92c-33acd2d6f9a8.json", "deckAnchorHref": "/decks/019de073-b9e6-7580-b92c-33acd2d6f9a8#slide-11", "components": [ { "bbox": { "h": 0.05, "w": 0.85, "x": 0.07, "y": 0.41 }, "kind": "list", "text": "Total assets increased by $73.8 million, or 4.3% compared to December 31, 2021", "attrs": null, "subkind": "bullet", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "05eee836-5ad9-4a7b-9169-7878bf1681bd", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.08, "w": 0.85, "x": 0.07, "y": 0.47 }, "kind": "list", "text": "Consolidated net income of $18.1 million for nine months end September 30, 2022 compared to $12.2 million for nine months ended September 30, 2021; pre-provision net revenue of $24.5 million compared to $22.0 million, respectively", "attrs": null, "subkind": "bullet", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "1fec1ce7-4b10-4a3d-9eac-b65f9ccee290", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.05, "w": 0.85, "x": 0.07, "y": 0.81 }, "kind": "list", "text": "Efficiency ratio of 55.75%, expense savings and efficiencies continue to be primary focus; Bank is poised for upside earnings in a rising interest rate environment", "attrs": null, "subkind": "bullet", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "56230fc5-a774-4d51-aaca-5c6d96c65d18", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.05, "w": 0.85, "x": 0.07, "y": 0.67 }, "kind": "list", "text": "The ratio of the allowance for loan losses (“ALL”) to loans outstanding was 1.22% at September 30, 2022 compared to 1.38% at December 31, 2021", "attrs": null, "subkind": "bullet", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "9dcc3dad-ed4b-4e72-b846-c44e595ffad6", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.05, "w": 0.85, "x": 0.07, "y": 0.74 }, "kind": "list", "text": "Transferred approximately $139.0 million, fair value, of available for sale securities to held to maturity in first quarter of 2022", "attrs": null, "subkind": "bullet", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "a4f1e1c9-da6d-4e65-9e13-93ae35c4ad67", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.08, "w": 0.85, "x": 0.07, "y": 0.57 }, "kind": "list", "text": "Net interest income, on a non-GAAP, FTE basis increased by 9.7% in first nine months of 2022 compared to the first nine months of 2021, driven by stable interest income and a 45% decrease in interest expense", "attrs": null, "subkind": "bullet", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "cd5bc48c-e18e-42f9-811a-92cb53852c9c", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.1, "x": 0.84, "y": 0.23 }, "kind": "metric", "text": "3.53% NIM", "attrs": null, "subkind": "big-number", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "5cd7fd68-807e-42a2-84c2-afb0df8c6741", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.15, "x": 0.07, "y": 0.23 }, "kind": "metric", "text": "$18.1 Million Net Income", "attrs": null, "subkind": "big-number", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "77a8d97f-3d4e-473c-8cf6-60038c45ce52", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.1, "x": 0.35, "y": 0.23 }, "kind": "metric", "text": "$2.72 Diluted EPS", "attrs": null, "subkind": "big-number", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "9f405441-afd1-41dd-95b7-c5018fe8f03a", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.1, "x": 0.52, "y": 0.23 }, "kind": "metric", "text": "1.35% ROAA", "attrs": null, "subkind": "big-number", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "a82d92de-dffd-4db9-8482-64742f9d7b59", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.1, "x": 0.68, "y": 0.23 }, "kind": "metric", "text": "17.88 ROATCE", "attrs": null, "subkind": "big-number", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "fde5f77d-97c8-4eb5-b517-3faf838f831f", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.03, "w": 0.6, "x": 0.33, "y": 0.95 }, "kind": "source-note", "text": "(1) See Appendix for a reconciliation of these non-GAAP financial measure * 3Q2022 Annualized", "attrs": null, "subkind": null, "toolName": null, "toolSlug": null, "confidence": null, "componentId": "8e853d3d-b58d-4e1a-8e48-cddfad96cf34", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.06, "w": 0.45, "x": 0.07, "y": 0.07 }, "kind": "title", "text": "Year to Date Financial Highlights", "attrs": null, "subkind": "headline", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "cd0e964f-a01e-4a88-8f74-20a82346666c", "frameworkName": null, "frameworkSlug": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "imagePathAlt": null, "thumbSrc": null, "thumbSrcAlt": null, "locked": true }