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 | 71,902,000 | 69,645,000 | 68,868,000 | 70,898,000 |
| Total loans | 50,256,000 | 50,551,000 | 51,028,000 | 53,764,000 |
| Allowance for loan losses | 566,000 | 581,000 | 590,000 | 591,000 |
| Securities available for sale | 11,519,000 | 11,911,000 | 11,825,000 | 11,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,001,000 | 61,683,000 | 60,906,000 | 62,893,000 |
| Interest-bearing deposits | 45,213,000 | 44,710,000 | 43,623,000 | 44,546,000 |
| Noninterest-bearing deposits | 18,788,000 | 16,973,000 | 17,283,000 | 18,347,000 |
| Equity capital | 5,489,000 | 5,606,000 | 6,059,000 | 6,187,000 |
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 | 1,026,000 | 2,070,000 | 3,117,000 | 4,190,000 |
| Interest expense | 225,000 | 455,000 | 688,000 | 916,000 |
| Net interest income | 801,000 | 1,615,000 | 2,429,000 | 3,274,000 |
| Noninterest income | 146,000 | 307,000 | 473,000 | 614,000 |
| Noninterest expense | 621,000 | 1,245,000 | 1,926,000 | 2,725,000 |
| Provision for loan losses | 21,000 | 36,000 | 51,000 | 56,000 |
| Pretax income | 305,000 | 641,000 | 925,000 | 1,107,000 |
| Income tax | 2,000 | 20,000 | 29,000 | 38,000 |
| Net income | 303,000 | 621,000 | 896,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,601,000 | 6,833,000 | 7,023,000 | 7,022,000 |
| Total capital | 7,166,000 | 7,414,000 | 7,613,000 | 7,613,000 |
| Risk-weighted assets | 47,124,000 | 48,203,000 | 47,558,000 | 50,387,000 |