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 | 291,462,000 | 296,714,000 | 306,893,000 | 297,849,000 |
| Total loans | 243,123,000 | 246,317,000 | 257,080,000 | 256,260,000 |
| Allowance for loan losses | 3,595,000 | 3,645,000 | 3,828,000 | 3,889,000 |
| Securities available for sale | 7,811,000 | 11,435,000 | 10,972,000 | 9,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,443,000 | 253,099,000 | 262,189,000 | 263,334,000 |
| Interest-bearing deposits | 208,713,000 | 211,777,000 | 226,544,000 | 232,268,000 |
| Noninterest-bearing deposits | 36,730,000 | 41,322,000 | 35,645,000 | 31,066,000 |
| Equity capital | 29,831,000 | 30,248,000 | 30,706,000 | 31,157,000 |
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 | 4,496,000 | 9,251,000 | 14,082,000 | 19,027,000 |
| Interest expense | 1,905,000 | 3,796,000 | 5,668,000 | 7,564,000 |
| Net interest income | 2,591,000 | 5,455,000 | 8,414,000 | 11,463,000 |
| Noninterest income | 117,000 | 239,000 | 428,000 | 584,000 |
| Noninterest expense | 2,149,000 | 4,392,000 | 6,649,000 | 8,992,000 |
| Provision for loan losses | 40,000 | 90,000 | 210,000 | 270,000 |
| Pretax income | 499,000 | 1,152,000 | 1,903,000 | 2,685,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 499,000 | 1,152,000 | 1,903,000 | 2,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,098,000 | 30,425,000 | 30,826,000 | 31,218,000 |
| Total capital | 33,013,000 | 33,467,000 | 34,007,000 | 34,340,000 |
| Risk-weighted assets | 232,337,000 | 242,585,000 | 253,603,000 | 248,767,000 |