Call reports 2025
UNITED BANK — 2025
What UNITED 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 | 32,690,848,000 | 32,679,829,000 | 33,293,363,000 | 33,545,963,000 |
| Total loans | 23,891,714,000 | 24,087,275,000 | 24,543,932,000 | 24,740,399,000 |
| Allowance for loan losses | 310,424,000 | 307,962,000 | 300,050,000 | 297,518,000 |
| Securities available for sale | 2,994,384,000 | 3,065,596,000 | 3,015,628,000 | 3,051,168,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,592,282,000 | 26,549,454,000 | 27,081,899,000 | 27,249,096,000 |
| Interest-bearing deposits | 20,105,176,000 | 19,906,157,000 | 20,482,289,000 | 20,669,459,000 |
| Noninterest-bearing deposits | 6,487,106,000 | 6,643,297,000 | 6,599,610,000 | 6,579,637,000 |
| Equity capital | 5,383,948,000 | 5,444,304,000 | 5,514,424,000 | 5,577,829,000 |
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 | 403,622,000 | 824,794,000 | 1,255,722,000 | 1,685,750,000 |
| Interest expense | 138,139,000 | 279,276,000 | 424,629,000 | 562,122,000 |
| Net interest income | 265,483,000 | 545,518,000 | 831,093,000 | 1,123,628,000 |
| Noninterest income | 29,396,000 | 59,750,000 | 91,388,000 | 121,812,000 |
| Noninterest expense | 148,163,000 | 290,848,000 | 436,564,000 | 582,130,000 |
| Provision for loan losses | 29,103,000 | 34,992,000 | 47,088,000 | 53,868,000 |
| Pretax income | 116,034,000 | 278,613,000 | 441,244,000 | 609,445,000 |
| Income tax | 23,550,000 | 57,085,000 | 90,438,000 | 123,110,000 |
| Net income | 92,484,000 | 221,528,000 | 350,806,000 | 486,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,497,239,000 | 3,553,318,000 | 3,599,982,000 | 3,647,868,000 |
| Total capital | 3,820,585,000 | 3,871,529,000 | 3,915,508,000 | 3,967,217,000 |
| Risk-weighted assets | 25,867,606,000 | 25,900,524,000 | 26,367,733,000 | 26,532,807,000 |