UBFO: the balance sheet

MyFinsight

For the year ending 2025-12-31, UBFO has $1,248,313K in assets. $1,108,630K in debts. $120,955K in cash and cash equivalents.

Balance Sheets	2025-12-31
Cash and cash equivalents	120,955
Available-for-sale (afs) debt securities net of allowance for credit losses of 0 (amortized cost of 154,517 and 179,753, respectively)	139,823
Marketable equity securities	3,432
Total investment securities	143,255
Loans	917,528
Unearned fees and unamortized loan origination costs - net	-2,101
Allowance for credit losses - loans	14,838
Net loans	900,589
Premises and equipment - net	9,434
Accrued interest receivable	7,160
Other real estate owned (oreo)	8,185
Goodwill	4,488
Deferred tax assets - net	12,076
Cash surrender value of life insurance - net	21,253
Investment in limited partnerships	4,275
Operating lease right-of-use assets	3,190
Other assets	13,453
Total assets	1,248,313

Noninterest-bearing	421,897
Interest-bearing	666,883
Total deposits	1,088,780
Operating lease liabilities	3,355
Other liabilities	10,199
Junior subordinated debentures (at fair value)	6,296
Total liabilities	1,108,630
Common stock, no par value 20,000,000 shares authorized issued and outstanding 17,582,116 at december31, 2025 and 17,364,894 at december31, 2024	62,236
Retained earnings	87,324
Accumulated other comprehensive loss, net of tax	-9,877
Total shareholders equity	139,683
Total liabilities and shareholders equity	1,248,313

Unit: Thousand (K) dollars (except for numbers of shares and EPS).