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Income Statement
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Cash Flow
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Balance Sheet
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Ratios
Income Overview
Revenue
$2,954K
Net Income
$12,288K
Net Profit Margin
415.98%
EPS
$0.7
Unit: Thousand (K) dollars
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Page 1
Annual
123
Page 1
Income Statement
2025-12-31
Customer service fees
2,954
Increase in cash surrender value of bank-owned life insurance
561
Gain on proceeds from bank-owned life insurance
0
Gain (loss) on fair value and partial redemption of junior subordinated debentures (trups)
391
Other
1,180
Total noninterest income
5,086
Interest and fees on loans
55,426
Interest on investment securities
4,380
Interest on deposits in frb
1,006
Total interest income
60,812
Interest on deposits
11,313
Interest on other borrowed funds
728
Total interest expense
12,041
Net interest income
48,771
Provision for credit losses
5,574
Net interest income after provision for credit losses
43,197
Salaries and employee benefits
15,557
Occupancy expense
3,863
Data processing
1,623
Technology
2,766
Professional fees
1,643
Loan-related expenses
343
Merger-related expenses
674
Regulatory assessments
698
Director fees
780
Other
3,641
Total noninterest expense
31,588
Income before provision for taxes
16,695
Provision for income taxes
4,407
Net income
12,288
Basic EPS
0.7
Diluted EPS
0.7
Basic Average Shares
17,241,750
Diluted Average Shares
17,498,322
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS).
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$55,426K
Interest on investment
securities
$4,380K
Interest on deposits in
frb
$1,006K
Total interest income
$60,812K
Net interest income
$48,771K
Customer service fees
$2,954K
Other
$1,180K
Increase in cash
surrender value of...
$561K
Gain (loss) on fair
value and partial...
$391K
Total interest
expense
$12,041K
Net interest income
after provision for...
$43,197K
Total noninterest
income
$5,086K
Provision for credit
losses
$5,574K
Interest on deposits
$11,313K
Interest on other
borrowed funds
$728K
Income before
provision for taxes
$16,695K
Total noninterest
expense
$31,588K
Net income
$12,288K
Provision for income taxes
$4,407K
Salaries and employee
benefits
$15,557K
Occupancy expense
$3,863K
Other
$3,641K
Technology
$2,766K
Professional fees
$1,643K
Data processing
$1,623K
Director fees
$780K
Regulatory assessments
$698K
Merger-related expenses
$674K
Loan-related expenses
$343K
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UNITED SECURITY BANCSHARES (UBFO)
UNITED SECURITY BANCSHARES (UBFO)