Call reports 2025
UNITED BANK OF MICHIGAN — 2025
What UNITED BANK OF MICHIGAN 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 | 1,059,311,000 | 1,039,028,000 | 1,068,603,000 | 1,078,615,000 |
| Total loans | 819,410,000 | 818,371,000 | 852,858,000 | 845,955,000 |
| Allowance for loan losses | 8,331,000 | 8,250,000 | 8,863,000 | 9,105,000 |
| Securities available for sale | 62,726,000 | 66,964,000 | 75,432,000 | 85,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 896,791,000 | 863,665,000 | 885,436,000 | 903,171,000 |
| Interest-bearing deposits | 717,860,000 | 676,237,000 | 704,347,000 | 715,722,000 |
| Noninterest-bearing deposits | 178,931,000 | 187,428,000 | 181,089,000 | 187,449,000 |
| Equity capital | 98,890,000 | 100,861,000 | 103,925,000 | 106,336,000 |
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 | 12,353,000 | 25,128,000 | 38,410,000 | 51,998,000 |
| Interest expense | 4,239,000 | 8,410,000 | 12,684,000 | 16,796,000 |
| Net interest income | 8,114,000 | 16,718,000 | 25,726,000 | 35,202,000 |
| Noninterest income | 1,795,000 | 3,836,000 | 5,979,000 | 8,145,000 |
| Noninterest expense | 6,590,000 | 13,518,000 | 20,282,000 | 27,762,000 |
| Provision for loan losses | 230,000 | 127,000 | 727,000 | 851,000 |
| Pretax income | 3,123,000 | 6,474,000 | 10,590,000 | 14,614,000 |
| Income tax | 583,000 | 1,219,000 | 2,015,000 | 2,789,000 |
| Net income | 2,540,000 | 5,255,000 | 8,575,000 | 11,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,942,000 | 102,657,000 | 104,977,000 | 107,227,000 |