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 | 196,819,000 | 199,062,000 | 198,134,000 | 202,261,000 |
| Total loans | 116,085,000 | 122,132,000 | 119,772,000 | 119,034,000 |
| Allowance for loan losses | 1,436,000 | 1,426,000 | 1,447,000 | 1,462,000 |
| Securities available for sale | 61,041,000 | 60,068,000 | 59,889,000 | 60,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,101,000 | 167,717,000 | 167,562,000 | 170,153,000 |
| Interest-bearing deposits | 139,146,000 | 143,081,000 | 143,033,000 | 142,998,000 |
| Noninterest-bearing deposits | 25,955,000 | 24,636,000 | 24,529,000 | 27,155,000 |
| Equity capital | 14,802,000 | 15,522,000 | 16,349,000 | 16,793,000 |
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 | 2,165,000 | 4,453,000 | 6,836,000 | 9,230,000 |
| Interest expense | 823,000 | 1,681,000 | 2,552,000 | 3,381,000 |
| Net interest income | 1,342,000 | 2,772,000 | 4,284,000 | 5,849,000 |
| Noninterest income | 96,000 | 209,000 | 318,000 | 432,000 |
| Noninterest expense | 1,055,000 | 2,114,000 | 3,213,000 | 4,312,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 382,000 | 868,000 | 1,373,000 | 1,956,000 |
| Income tax | 87,000 | 201,000 | 341,000 | 432,000 |
| Net income | 295,000 | 667,000 | 1,032,000 | 1,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,490,000 | 19,831,000 | 20,164,000 | 20,356,000 |
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