Call reports 2025
UNITED BANKERS' BANK — 2025
What UNITED BANKERS' 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 | 1,254,707,000 | 1,127,260,000 | 1,138,343,000 | 1,306,031,000 |
| Total loans | 729,563,000 | 775,479,000 | 797,004,000 | 793,494,000 |
| Allowance for loan losses | 12,060,000 | 12,740,000 | 13,164,000 | 13,328,000 |
| Securities available for sale | 84,879,000 | 82,556,000 | 80,963,000 | 79,227,000 |
| Securities held to maturity | 12,000,000 | 12,000,000 | 12,000,000 | 12,000,000 |
| Trading assets | 1,503,000 | 3,102,000 | 0 | 1,388,000 |
| Total deposits | 643,238,000 | 615,678,000 | 610,594,000 | 662,653,000 |
| Interest-bearing deposits | 318,072,000 | 302,899,000 | 292,647,000 | 307,930,000 |
| Noninterest-bearing deposits | 325,166,000 | 312,779,000 | 317,947,000 | 354,723,000 |
| Equity capital | 133,433,000 | 135,663,000 | 137,935,000 | 140,593,000 |
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 | 12,304,000 | 25,668,000 | 39,706,000 | 53,961,000 |
| Interest expense | 6,172,000 | 12,394,000 | 18,921,000 | 24,920,000 |
| Net interest income | 6,132,000 | 13,274,000 | 20,785,000 | 29,041,000 |
| Noninterest income | 5,286,000 | 9,942,000 | 14,671,000 | 19,639,000 |
| Noninterest expense | 8,780,000 | 18,266,000 | 27,521,000 | 37,319,000 |
| Provision for loan losses | 550,000 | 1,225,000 | 1,925,000 | 2,940,000 |
| Pretax income | 2,517,000 | 4,159,000 | 6,339,000 | 8,913,000 |
| Income tax | 439,000 | 805,000 | 1,306,000 | 1,916,000 |
| Net income | 2,078,000 | 3,354,000 | 5,033,000 | 6,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,505,000 | 140,781,000 | 142,460,000 | 144,424,000 |
| Total capital | 149,997,000 | 151,818,000 | 153,717,000 | 155,657,000 |
| Risk-weighted assets | 837,581,000 | 881,145,000 | 898,485,000 | 896,454,000 |