UBFO: the balance sheet

MyFinsight

For the quarter ending 2025-09-30, UBFO has $1,235,620K in assets. $1,098,238K in debts. $66,767K in cash and cash equivalents.

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

Balance Sheets	2025-09-30	2025-06-30
Cash and cash equivalents	66,767	49,091
Available-for-sale (afs) securities net of allowance for credit losses of 0 (amortized cost of 157,049 and 179,753)-Available For Sale Securities Excluding Nontaxable Municipal Bonds	140,917	147,041
Marketable equity securities	3,425	3,382
Total investment securities	144,342	150,423
Loans	960,329	949,279
Unearned fees and unamortized loan origination costs - net	-1,981	-1,950
Allowance for credit losses - loans	16,235	15,965
Net loans	942,113	931,364
Premises and equipment - net	9,069	8,583
Accrued interest receivable	7,474	7,929
Other real estate owned	7,852	7,852
Goodwill	4,488	4,488
Investment in limited partnerships	4,275	4,275
Deferred tax assets - net	13,004	13,479
Cash surrender value of life insurance - net	21,092	20,956
Operating lease right-of-use assets	2,587	2,716
Other assets	12,557	12,981
Total assets	1,235,620	1,214,137

Non-interest-bearing	384,367	372,027
Interest-bearing	691,533	683,642
Total deposits	1,075,900	1,055,669
Operating lease liabilities	2,679	2,807
Other liabilities	10,514	9,576
Junior subordinated debentures (at fair value)	9,145	11,831
Total liabilities	1,098,238	1,079,883
Common stock, no par value 20,000,000 shares authorized issued and outstanding 17,557,427 at september30, 2025 and 17,364,894 at december31, 2024	61,928	61,727
Retained earnings	86,020	84,103
Accumulated other comprehensive loss, net of tax	-10,566	-11,576
Total shareholders equity	137,382	134,254
Total liabilities and shareholders equity	1,235,620	1,214,137