Call reports 2025
UNITED TRUST BANK — 2025
What UNITED TRUST 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 | 165,180,000 | 181,979,000 | 176,067,000 | 170,606,000 |
| Total loans | 142,052,000 | 153,797,000 | 152,953,000 | 141,565,000 |
| Allowance for loan losses | 983,000 | 887,000 | 916,000 | 904,000 |
| Securities available for sale | 27,000 | 26,000 | 25,000 | 24,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,246,000 | 123,986,000 | 122,715,000 | 121,208,000 |
| Interest-bearing deposits | 100,195,000 | 104,222,000 | 104,399,000 | 106,743,000 |
| Noninterest-bearing deposits | 16,051,000 | 19,764,000 | 18,316,000 | 14,465,000 |
| Equity capital | 14,765,000 | 15,102,000 | 15,630,000 | 15,899,000 |
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 | 2,377,000 | 4,804,000 | 7,303,000 | 9,759,000 |
| Interest expense | 1,442,000 | 2,897,000 | 4,378,000 | 5,800,000 |
| Net interest income | 935,000 | 1,907,000 | 2,925,000 | 3,959,000 |
| Noninterest income | 4,971,000 | 10,448,000 | 16,360,000 | 22,122,000 |
| Noninterest expense | 5,465,000 | 11,418,000 | 17,677,000 | 24,042,000 |
| Provision for loan losses | 85,000 | 141,000 | 178,000 | 166,000 |
| Pretax income | 356,000 | 796,000 | 1,430,000 | 1,873,000 |
| Income tax | 47,000 | 150,000 | 256,000 | 355,000 |
| Net income | 309,000 | 646,000 | 1,174,000 | 1,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,765,000 | 15,102,000 | 15,630,000 | 15,899,000 |
| Total capital | 15,748,000 | 15,989,000 | 16,546,000 | 16,803,000 |
| Risk-weighted assets | 94,903,000 | 100,465,000 | 99,518,000 | 94,082,000 |