Call reports 2025
UNIVERSAL BANK — 2025
What UNIVERSAL 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 | 366,322,000 | 360,948,000 | 361,480,000 | 371,160,000 |
| Total loans | 269,387,000 | 280,435,000 | 279,009,000 | 266,085,000 |
| Allowance for loan losses | 3,411,000 | 3,071,000 | 2,779,000 | 2,727,000 |
| Securities available for sale | 40,899,000 | 35,319,000 | 48,176,000 | 63,478,000 |
| Securities held to maturity | 1,201,000 | 1,152,000 | 1,085,000 | 1,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,716,000 | 266,100,000 | 265,843,000 | 275,415,000 |
| Interest-bearing deposits | 218,766,000 | 233,463,000 | 234,768,000 | 246,764,000 |
| Noninterest-bearing deposits | 32,950,000 | 32,637,000 | 31,075,000 | 28,651,000 |
| Equity capital | 65,615,000 | 65,843,000 | 66,656,000 | 67,129,000 |
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 | 4,485,000 | 9,121,000 | 13,846,000 | 18,767,000 |
| Interest expense | 2,095,000 | 4,174,000 | 6,246,000 | 8,350,000 |
| Net interest income | 2,390,000 | 4,947,000 | 7,600,000 | 10,417,000 |
| Noninterest income | 177,000 | 355,000 | 534,000 | 750,000 |
| Noninterest expense | 2,588,000 | 5,094,000 | 7,642,000 | 10,078,000 |
| Provision for loan losses | 0 | -350,000 | -650,000 | -716,000 |
| Pretax income | -21,000 | 564,000 | 1,148,000 | 1,805,000 |
| Income tax | -37,000 | 104,000 | 244,000 | 404,000 |
| Net income | 16,000 | 460,000 | 904,000 | 1,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,960,000 | 66,404,000 | 66,849,000 | 67,344,000 |