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 | 1,393,915,000 | 1,416,434,000 | 1,421,065,000 | 1,446,151,000 |
| Total loans | 884,217,000 | 892,690,000 | 904,987,000 | 894,241,000 |
| Allowance for loan losses | 14,655,000 | 12,080,000 | 11,888,000 | 11,766,000 |
| Securities available for sale | 281,569,000 | 282,704,000 | 287,626,000 | 294,939,000 |
| Securities held to maturity | 3,632,000 | 3,381,000 | 2,905,000 | 2,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,160,390,000 | 1,178,380,000 | 1,177,381,000 | 1,194,745,000 |
| Interest-bearing deposits | 629,507,000 | 650,609,000 | 656,555,000 | 669,399,000 |
| Noninterest-bearing deposits | 530,883,000 | 527,771,000 | 520,826,000 | 525,346,000 |
| Equity capital | 194,406,000 | 200,103,000 | 207,308,000 | 213,039,000 |
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 | 18,384,000 | 37,659,000 | 57,160,000 | 76,299,000 |
| Interest expense | 3,701,000 | 7,648,000 | 11,884,000 | 15,988,000 |
| Net interest income | 14,683,000 | 30,011,000 | 45,276,000 | 60,311,000 |
| Noninterest income | 2,823,000 | 5,477,000 | 8,089,000 | 10,690,000 |
| Noninterest expense | 9,511,000 | 20,047,000 | 31,399,000 | 43,117,000 |
| Provision for loan losses | 2,231,000 | 3,185,000 | 3,960,000 | 4,268,000 |
| Pretax income | 5,990,000 | 12,482,000 | 18,232,000 | 23,842,000 |
| Income tax | 1,339,000 | 2,764,000 | 3,998,000 | 5,168,000 |
| Net income | 4,651,000 | 9,718,000 | 14,234,000 | 18,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 209,638,000 | 214,777,000 | 219,369,000 | 223,881,000 |
| Total capital | 222,537,000 | 227,539,000 | 231,940,000 | 236,330,000 |
| Risk-weighted assets | 1,029,499,000 | 1,045,240,000 | 1,079,615,000 | 1,079,391,000 |