Call reports 2025
UNION STATE BANK OF EVEREST, THE — 2025
What UNION STATE BANK OF EVEREST, THE 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 | 422,270,000 | 426,062,000 | 434,560,000 | 437,183,000 |
| Total loans | 311,245,000 | 316,005,000 | 324,434,000 | 327,813,000 |
| Allowance for loan losses | 3,644,000 | 3,787,000 | 3,889,000 | 4,067,000 |
| Securities available for sale | 90,661,000 | 90,268,000 | 90,059,000 | 87,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,075,000 | 380,602,000 | 378,673,000 | 370,858,000 |
| Interest-bearing deposits | 298,104,000 | 306,189,000 | 303,764,000 | 292,532,000 |
| Noninterest-bearing deposits | 83,971,000 | 74,413,000 | 74,909,000 | 78,326,000 |
| Equity capital | 38,145,000 | 38,590,000 | 40,492,000 | 41,063,000 |
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 | 5,708,000 | 11,676,000 | 17,638,000 | 23,955,000 |
| Interest expense | 1,753,000 | 3,554,000 | 5,443,000 | 7,253,000 |
| Net interest income | 3,955,000 | 8,122,000 | 12,195,000 | 16,702,000 |
| Noninterest income | 642,000 | 1,302,000 | 1,966,000 | 2,549,000 |
| Noninterest expense | 3,243,000 | 6,447,000 | 9,827,000 | 13,066,000 |
| Provision for loan losses | 117,000 | 254,000 | 365,000 | 524,000 |
| Pretax income | 1,022,000 | 2,491,000 | 3,684,000 | 5,381,000 |
| Income tax | 31,000 | 72,000 | 106,000 | 155,000 |
| Net income | 991,000 | 2,419,000 | 3,578,000 | 5,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,238,000 | 39,800,000 | 40,347,000 | 40,418,000 |
| Total capital | 42,885,000 | 43,590,000 | 44,239,000 | 44,489,000 |
| Risk-weighted assets | 318,646,000 | 325,345,000 | 330,640,000 | 334,839,000 |