Call reports 2025
UNITED STATE BANK — 2025
What UNITED 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 | 279,785,000 | 279,928,000 | 288,929,000 | 284,264,000 |
| Total loans | 209,285,000 | 210,828,000 | 215,350,000 | 221,656,000 |
| Allowance for loan losses | 3,052,000 | 3,111,000 | 3,154,000 | 3,139,000 |
| Securities available for sale | 12,918,000 | 14,140,000 | 14,846,000 | 14,087,000 |
| Securities held to maturity | 688,000 | 688,000 | 687,000 | 586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,167,000 | 252,124,000 | 259,153,000 | 254,137,000 |
| Interest-bearing deposits | 220,074,000 | 223,109,000 | 227,291,000 | 219,000,000 |
| Noninterest-bearing deposits | 33,093,000 | 29,015,000 | 31,862,000 | 35,137,000 |
| Equity capital | 25,575,000 | 26,548,000 | 27,997,000 | 28,386,000 |
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 | 4,160,000 | 8,561,000 | 13,111,000 | 17,627,000 |
| Interest expense | 1,471,000 | 2,981,000 | 4,533,000 | 5,965,000 |
| Net interest income | 2,689,000 | 5,580,000 | 8,578,000 | 11,662,000 |
| Noninterest income | 231,000 | 450,000 | 637,000 | 827,000 |
| Noninterest expense | 1,610,000 | 3,336,000 | 4,922,000 | 6,659,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 1,235,000 | 2,544,000 | 4,118,000 | 5,655,000 |
| Income tax | 46,000 | 72,000 | 97,000 | 123,000 |
| Net income | 1,189,000 | 2,472,000 | 4,021,000 | 5,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,249,000 | 27,191,000 | 28,399,000 | 28,805,000 |
| Total capital | 28,842,000 | 29,765,000 | 31,072,000 | 31,655,000 |
| Risk-weighted assets | 206,556,000 | 204,962,000 | 212,937,000 | 227,291,000 |