Call reports 2025
UNION STATE BANK — 2025
What UNION STATE 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 | 114,158,000 | 112,985,000 | 114,321,000 | 125,285,000 |
| Total loans | 70,178,000 | 73,027,000 | 73,519,000 | 76,761,000 |
| Allowance for loan losses | 737,000 | 753,000 | 689,000 | 704,000 |
| Securities available for sale | 30,994,000 | 30,472,000 | 30,197,000 | 31,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,692,000 | 93,154,000 | 93,730,000 | 104,039,000 |
| Interest-bearing deposits | 76,677,000 | 76,440,000 | 75,547,000 | 86,969,000 |
| Noninterest-bearing deposits | 18,015,000 | 16,714,000 | 18,183,000 | 17,070,000 |
| Equity capital | 10,048,000 | 10,357,000 | 11,086,000 | 11,582,000 |
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 | 1,430,000 | 2,888,000 | 4,385,000 | 5,956,000 |
| Interest expense | 575,000 | 1,129,000 | 1,675,000 | 2,211,000 |
| Net interest income | 855,000 | 1,759,000 | 2,710,000 | 3,745,000 |
| Noninterest income | 93,000 | 215,000 | 320,000 | 438,000 |
| Noninterest expense | 704,000 | 1,422,000 | 2,054,000 | 2,766,000 |
| Provision for loan losses | 3,000 | 20,000 | 140,000 | 147,000 |
| Pretax income | 250,000 | 532,000 | 830,000 | 1,273,000 |
| Income tax | 45,000 | 97,000 | 154,000 | 234,000 |
| Net income | 205,000 | 435,000 | 676,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,082,000 | 13,283,000 | 13,484,000 | 13,797,000 |