Call reports 2025
UNITED BUSINESS BANK — 2025
What UNITED BUSINESS 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 | 2,547,328,000 | 2,605,907,000 | 2,586,421,000 | 2,576,971,000 |
| Total loans | 1,966,945,000 | 2,000,249,000 | 2,042,758,000 | 2,067,651,000 |
| Allowance for loan losses | 18,500,000 | 18,700,000 | 20,800,000 | 21,210,000 |
| Securities available for sale | 192,400,000 | 184,681,000 | 187,774,000 | 179,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,135,069,000 | 2,187,463,000 | 2,238,911,000 | 2,221,090,000 |
| Interest-bearing deposits | 1,544,649,000 | 1,571,124,000 | 1,619,965,000 | 1,642,422,000 |
| Noninterest-bearing deposits | 590,420,000 | 616,339,000 | 618,946,000 | 578,668,000 |
| Equity capital | 381,099,000 | 389,120,000 | 317,627,000 | 326,553,000 |
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 | 32,431,000 | 65,670,000 | 100,405,000 | 134,531,000 |
| Interest expense | 8,723,000 | 17,941,000 | 27,797,000 | 36,978,000 |
| Net interest income | 23,708,000 | 47,729,000 | 72,608,000 | 97,553,000 |
| Noninterest income | 1,795,000 | 3,400,000 | 5,298,000 | 7,036,000 |
| Noninterest expense | 15,946,000 | 31,656,000 | 47,562,000 | 63,689,000 |
| Provision for loan losses | 702,000 | 915,000 | 3,848,000 | 4,258,000 |
| Pretax income | 8,915,000 | 18,628,000 | 26,526,000 | 36,832,000 |
| Income tax | 2,328,000 | 4,959,000 | 6,999,000 | 9,879,000 |
| Net income | 6,587,000 | 13,669,000 | 19,527,000 | 26,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 349,640,000 | 357,137,000 | 283,745,000 | 291,596,000 |
| Total capital | 368,680,000 | 376,367,000 | 305,115,000 | 313,216,000 |
| Risk-weighted assets | 2,028,709,000 | 2,058,519,000 | 2,094,851,000 | 2,106,862,000 |