Call reports 2025
UNITED BANK & TRUST — 2025
What UNITED BANK & TRUST 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 | 868,974,000 | 879,203,000 | 879,680,000 | 905,625,000 |
| Total loans | 632,270,000 | 651,376,000 | 655,163,000 | 677,880,000 |
| Allowance for loan losses | 8,082,000 | 8,232,000 | 8,381,000 | 8,527,000 |
| Securities available for sale | 150,655,000 | 166,547,000 | 160,524,000 | 161,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 704,117,000 | 693,361,000 | 677,636,000 | 713,113,000 |
| Interest-bearing deposits | 567,391,000 | 570,260,000 | 555,297,000 | 576,441,000 |
| Noninterest-bearing deposits | 136,726,000 | 123,101,000 | 122,339,000 | 136,672,000 |
| Equity capital | 94,839,000 | 97,189,000 | 99,661,000 | 102,277,000 |
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 | 10,847,000 | 21,780,000 | 32,929,000 | 44,281,000 |
| Interest expense | 3,550,000 | 7,177,000 | 10,912,000 | 14,483,000 |
| Net interest income | 7,297,000 | 14,603,000 | 22,017,000 | 29,798,000 |
| Noninterest income | 614,000 | 1,282,000 | 1,946,000 | 2,542,000 |
| Noninterest expense | 4,384,000 | 8,778,000 | 13,306,000 | 17,673,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,378,000 | 6,810,000 | 10,207,000 | 14,039,000 |
| Income tax | 731,000 | 1,474,000 | 2,185,000 | 3,006,000 |
| Net income | 2,647,000 | 5,336,000 | 8,022,000 | 11,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,757,000 | 96,996,000 | 98,225,000 | 99,780,000 |