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 | 676,033,000 | 678,047,000 | 669,737,000 | 655,241,000 |
| Total loans | 429,353,000 | 432,598,000 | 435,887,000 | 425,478,000 |
| Allowance for loan losses | 4,678,000 | 4,788,000 | 4,891,000 | 4,898,000 |
| Securities available for sale | 158,509,000 | 155,488,000 | 165,579,000 | 162,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 583,125,000 | 582,945,000 | 576,553,000 | 560,501,000 |
| Interest-bearing deposits | 476,554,000 | 476,375,000 | 473,417,000 | 460,268,000 |
| Noninterest-bearing deposits | 106,571,000 | 106,570,000 | 103,136,000 | 100,233,000 |
| Equity capital | 69,222,000 | 71,238,000 | 74,189,000 | 77,102,000 |
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 | 8,674,000 | 17,653,000 | 26,804,000 | 35,924,000 |
| Interest expense | 2,766,000 | 5,532,000 | 8,212,000 | 10,704,000 |
| Net interest income | 5,908,000 | 12,121,000 | 18,592,000 | 25,220,000 |
| Noninterest income | 1,528,000 | 2,523,000 | 3,516,000 | 4,509,000 |
| Noninterest expense | 4,984,000 | 10,016,000 | 15,126,000 | 20,263,000 |
| Provision for loan losses | -9,000 | 110,000 | 203,000 | 235,000 |
| Pretax income | 2,244,000 | 4,358,000 | 6,657,000 | 9,109,000 |
| Income tax | 67,000 | 141,000 | 228,000 | 317,000 |
| Net income | 2,177,000 | 4,217,000 | 6,429,000 | 8,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,514,000 | 64,331,000 | 65,148,000 | 67,565,000 |
| Total capital | 68,661,000 | 69,531,000 | 70,413,000 | 72,837,000 |
| Risk-weighted assets | 485,634,000 | 483,582,000 | 485,468,000 | 475,606,000 |