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 | 218,298,000 | 216,027,000 | 212,154,000 | 216,417,000 |
| Total loans | 78,170,000 | 82,252,000 | 83,812,000 | 85,061,000 |
| Allowance for loan losses | 1,121,000 | 1,102,000 | 1,102,000 | 941,000 |
| Securities available for sale | 31,187,000 | 30,655,000 | 29,921,000 | 27,715,000 |
| Securities held to maturity | 40,511,000 | 40,760,000 | 41,004,000 | 41,244,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,693,000 | 206,933,000 | 201,969,000 | 204,709,000 |
| Interest-bearing deposits | 160,322,000 | 158,414,000 | 155,689,000 | 160,714,000 |
| Noninterest-bearing deposits | 49,371,000 | 48,519,000 | 46,280,000 | 43,995,000 |
| Equity capital | 7,626,000 | 7,966,000 | 9,050,000 | 10,804,000 |
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 | 2,124,000 | 4,306,000 | 6,410,000 | 8,578,000 |
| Interest expense | 769,000 | 1,497,000 | 2,051,000 | 2,581,000 |
| Net interest income | 1,355,000 | 2,809,000 | 4,359,000 | 5,997,000 |
| Noninterest income | 547,000 | 1,124,000 | 1,534,000 | 3,307,000 |
| Noninterest expense | 1,849,000 | 3,707,000 | 5,632,000 | 7,723,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 53,000 | 226,000 | 261,000 | 1,581,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 53,000 | 226,000 | 261,000 | 1,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,233,000 | 18,403,000 | 18,439,000 | 19,759,000 |
| Total capital | 19,354,000 | 19,505,000 | 19,541,000 | 20,700,000 |
| Risk-weighted assets | 131,745,000 | 138,413,000 | 133,181,000 | 138,728,000 |