Call reports 2025
UNITED PACIFIC BANK — 2025
What UNITED PACIFIC 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 | 164,141,000 | 176,478,000 | 186,789,000 | 186,022,000 |
| Total loans | 128,420,000 | 130,238,000 | 140,074,000 | 137,623,000 |
| Allowance for loan losses | 2,809,000 | 2,809,000 | 2,809,000 | 2,517,000 |
| Securities available for sale | 11,896,000 | 11,821,000 | 10,835,000 | 10,767,000 |
| Securities held to maturity | 1,896,000 | 1,702,000 | 1,556,000 | 1,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,857,000 | 142,596,000 | 152,747,000 | 151,758,000 |
| Interest-bearing deposits | 123,823,000 | 133,236,000 | 144,232,000 | 143,396,000 |
| Noninterest-bearing deposits | 8,034,000 | 9,360,000 | 8,515,000 | 8,362,000 |
| Equity capital | 31,364,000 | 31,569,000 | 31,848,000 | 31,969,000 |
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 | 2,728,000 | 5,648,000 | 8,756,000 | 11,863,000 |
| Interest expense | 1,166,000 | 2,393,000 | 3,711,000 | 5,049,000 |
| Net interest income | 1,562,000 | 3,255,000 | 5,045,000 | 6,814,000 |
| Noninterest income | 54,000 | 171,000 | 257,000 | 310,000 |
| Noninterest expense | 1,516,000 | 3,013,000 | 4,577,000 | 6,498,000 |
| Provision for loan losses | 0 | 0 | 0 | -292,000 |
| Pretax income | 105,000 | 411,000 | 739,000 | 921,000 |
| Income tax | 32,000 | 123,000 | 221,000 | 276,000 |
| Net income | 73,000 | 288,000 | 518,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,364,000 | 31,578,000 | 31,809,000 | 31,935,000 |