Call reports 2025
UNION STATE BANK — 2025
What UNION STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 161,165,000 | 161,396,000 | 161,880,000 | 164,600,000 |
| Total loans | 93,206,000 | 94,971,000 | 97,680,000 | 99,989,000 |
| Allowance for loan losses | 730,000 | 746,000 | 749,000 | 762,000 |
| Securities available for sale | 42,208,000 | 42,671,000 | 43,242,000 | 42,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,279,000 | 137,029,000 | 133,980,000 | 138,848,000 |
| Interest-bearing deposits | 124,618,000 | 125,563,000 | 124,716,000 | 128,314,000 |
| Noninterest-bearing deposits | 12,661,000 | 11,466,000 | 9,264,000 | 10,534,000 |
| Equity capital | 21,606,000 | 21,545,000 | 22,619,000 | 22,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,128,000 | 4,226,000 | 6,338,000 | 8,569,000 |
| Interest expense | 686,000 | 1,383,000 | 2,109,000 | 2,871,000 |
| Net interest income | 1,442,000 | 2,843,000 | 4,229,000 | 5,698,000 |
| Noninterest income | 90,000 | 180,000 | 301,000 | 510,000 |
| Noninterest expense | 1,090,000 | 2,115,000 | 3,117,000 | 4,187,000 |
| Provision for loan losses | 0 | 49,000 | 49,000 | 59,000 |
| Pretax income | 439,000 | 854,000 | 1,356,000 | 1,953,000 |
| Income tax | 19,000 | 42,000 | 71,000 | 90,000 |
| Net income | 420,000 | 812,000 | 1,285,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,363,000 | 13,399,000 | 13,787,000 | 14,066,000 |
| Total capital | 14,093,000 | 14,145,000 | — | — |
| Risk-weighted assets | 96,434,000 | 98,207,000 | — | — |