Call reports 2025
UNITED SAVINGS BANK — 2025
What UNITED SAVINGS 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 | 438,484,000 | 447,562,000 | 451,163,000 | 448,273,000 |
| Total loans | 167,636,000 | 165,199,000 | 165,806,000 | 167,065,000 |
| Allowance for loan losses | 1,318,000 | 1,318,000 | 1,318,000 | 1,318,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 124,623,000 | 127,780,000 | 123,847,000 | 112,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,606,000 | 325,570,000 | 327,209,000 | 325,980,000 |
| Interest-bearing deposits | 249,249,000 | 256,287,000 | 262,742,000 | 264,372,000 |
| Noninterest-bearing deposits | 70,357,000 | 69,283,000 | 64,467,000 | 61,608,000 |
| Equity capital | 78,871,000 | 79,973,000 | 81,023,000 | 82,074,000 |
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 | 4,475,000 | 9,269,000 | 14,031,000 | 18,860,000 |
| Interest expense | 1,596,000 | 3,188,000 | 4,870,000 | 6,566,000 |
| Net interest income | 2,879,000 | 6,081,000 | 9,161,000 | 12,294,000 |
| Noninterest income | 215,000 | 443,000 | 675,000 | 908,000 |
| Noninterest expense | 2,027,000 | 4,052,000 | 6,033,000 | 8,091,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,067,000 | 2,472,000 | 3,803,000 | 5,111,000 |
| Income tax | 211,000 | 514,000 | 795,000 | 1,052,000 |
| Net income | 856,000 | 1,958,000 | 3,008,000 | 4,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,777,000 | 76,805,000 | 77,781,000 | 78,774,000 |