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 | 138,393,000 | 126,129,000 | 126,726,000 | 135,733,000 |
| Total loans | 84,289,000 | 85,944,000 | 86,682,000 | 85,551,000 |
| Allowance for loan losses | 535,000 | 534,000 | 531,000 | 529,000 |
| Securities available for sale | 25,500,000 | 21,129,000 | 18,421,000 | 18,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,613,000 | 116,160,000 | 116,234,000 | 124,901,000 |
| Interest-bearing deposits | 99,623,000 | 88,548,000 | 87,903,000 | 96,975,000 |
| Noninterest-bearing deposits | 28,990,000 | 27,612,000 | 28,331,000 | 27,926,000 |
| Equity capital | 8,930,000 | 9,067,000 | 9,559,000 | 9,893,000 |
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 | 1,461,000 | 3,056,000 | 4,648,000 | 6,351,000 |
| Interest expense | 475,000 | 967,000 | 1,419,000 | 1,918,000 |
| Net interest income | 986,000 | 2,089,000 | 3,229,000 | 4,433,000 |
| Noninterest income | 157,000 | 315,000 | 494,000 | 630,000 |
| Noninterest expense | 909,000 | 1,879,000 | 2,759,000 | 3,800,000 |
| Provision for loan losses | 0 | 0 | -3,000 | -4,000 |
| Pretax income | 246,000 | 538,000 | 969,000 | 1,271,000 |
| Income tax | 9,000 | 21,000 | 37,000 | 49,000 |
| Net income | 237,000 | 517,000 | 932,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,515,000 | 10,435,000 | 10,651,000 | 10,879,000 |
| Total capital | 11,050,000 | 10,969,000 | 11,185,000 | 11,412,000 |
| Risk-weighted assets | 88,780,000 | 87,460,000 | 87,257,000 | 88,225,000 |