Call reports 2025
UNITED BANK — 2025
What UNITED 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 | 2,151,530,000 | 2,150,164,000 | 2,185,994,000 | 2,331,428,000 |
| Total loans | 927,236,000 | 922,227,000 | 938,952,000 | 931,183,000 |
| Allowance for loan losses | 17,301,000 | 17,665,000 | 18,033,000 | 18,401,000 |
| Securities available for sale | 585,296,000 | 601,348,000 | 610,975,000 | 638,786,000 |
| Securities held to maturity | 51,450,000 | 48,654,000 | 51,474,000 | 51,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,863,056,000 | 1,877,332,000 | 1,892,129,000 | 2,070,938,000 |
| Interest-bearing deposits | 1,122,161,000 | 1,121,040,000 | 1,138,086,000 | 1,330,589,000 |
| Noninterest-bearing deposits | 740,895,000 | 756,292,000 | 754,043,000 | 740,349,000 |
| Equity capital | 265,957,000 | 253,623,000 | 272,641,000 | 238,320,000 |
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 | 29,084,000 | 59,308,000 | 89,133,000 | 119,033,000 |
| Interest expense | 2,593,000 | 5,192,000 | 7,901,000 | 10,729,000 |
| Net interest income | 26,491,000 | 54,116,000 | 81,232,000 | 108,304,000 |
| Noninterest income | 7,730,000 | 15,498,000 | 23,359,000 | 31,754,000 |
| Noninterest expense | 14,365,000 | 29,873,000 | 45,182,000 | 60,152,000 |
| Provision for loan losses | 515,000 | 1,816,000 | 3,039,000 | 4,263,000 |
| Pretax income | 19,341,000 | 37,925,000 | 56,370,000 | 75,332,000 |
| Income tax | 3,860,000 | 8,332,000 | 12,432,000 | 16,622,000 |
| Net income | 15,481,000 | 29,593,000 | 43,938,000 | 58,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 286,355,000 | 270,879,000 | 285,224,000 | 249,996,000 |
| Total capital | 300,137,000 | 284,582,000 | 299,084,000 | 263,730,000 |
| Risk-weighted assets | 1,096,833,000 | 1,090,059,000 | 1,102,391,000 | 1,091,853,000 |