Call reports 2025
UNITED NATIONAL BANK — 2025
What UNITED NATIONAL 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 | 297,495,000 | 306,044,000 | 311,656,000 | 312,069,000 |
| Total loans | 222,413,000 | 230,442,000 | 235,946,000 | 231,244,000 |
| Allowance for loan losses | 5,092,000 | 5,637,000 | 5,097,000 | 5,036,000 |
| Securities available for sale | 12,501,000 | 26,012,000 | 25,603,000 | 24,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,072,000 | 254,006,000 | 257,897,000 | 257,295,000 |
| Interest-bearing deposits | 207,322,000 | 220,530,000 | 223,359,000 | 221,756,000 |
| Noninterest-bearing deposits | 33,750,000 | 33,476,000 | 34,538,000 | 35,539,000 |
| Equity capital | 45,454,000 | 44,174,000 | 45,447,000 | 46,555,000 |
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 | 5,031,000 | 10,306,000 | 15,642,000 | 20,965,000 |
| Interest expense | 1,513,000 | 3,112,000 | 4,786,000 | 6,459,000 |
| Net interest income | 3,518,000 | 7,194,000 | 10,856,000 | 14,506,000 |
| Noninterest income | 317,000 | 483,000 | 0 | 60,000 |
| Noninterest expense | 2,120,000 | 4,097,000 | 6,308,000 | 8,429,000 |
| Provision for loan losses | 141,000 | 671,000 | 271,000 | 296,000 |
| Pretax income | 1,469,000 | 3,032,000 | 4,397,000 | 5,909,000 |
| Income tax | 385,000 | 792,000 | 1,089,000 | 1,472,000 |
| Net income | 1,084,000 | 2,240,000 | 3,308,000 | 4,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,550,000 | 44,295,000 | 45,367,000 | 46,501,000 |
| Total capital | 48,075,000 | 46,878,000 | 47,978,000 | 49,126,000 |
| Risk-weighted assets | 198,593,000 | 203,042,000 | 205,812,000 | 206,983,000 |