United security bancshares (UBFO)
Balance Sheet / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
Assets
Cash and non-interest-bearing deposits in other banks
Cash and non-interest-bearing deposits in other banks

28,134

27,291

31,073

30,074

29,398

28,949

28,952

29,939

24,608

35,237

22,688

21,016

18,707

25,781

29,156

21,107

24,020

29,733

23,458

22,708

18,812

21,348

19,039

22,014

20,149

20,193

28,552

23,754

19,874

27,481

21,859

22,400

23,224

28,052

23,588

24,507

13,259

Due from Federal Reserve Bank (FRB)

171,719

191,704

214,870

279,386

231,303

191,388

178,348

161,189

140,739

72,697

137,204

88,492

114,425

87,251

82,591

73,457

101,469

96,018

92,930

59,445

66,666

82,229

115,846

98,685

116,458

115,019

153,290

114,515

116,576

114,146

119,661

76,990

87,259

96,132

96,882

71,867

85,171

Cash and cash equivalents

199,853

218,995

245,943

309,460

260,701

220,337

207,300

191,128

165,347

107,934

159,892

109,508

133,132

113,032

111,747

94,564

125,489

125,751

116,388

82,153

85,478

103,577

134,885

120,699

136,607

135,212

181,842

138,269

136,450

141,627

-

-

-

124,184

120,470

96,374

98,430

Investment securities (at fair value)
Available-for-sale (AFS) securities

93,695

76,312

77,864

59,863

62,888

66,426

62,103

56,724

39,329

41,985

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Marketable equity securities

3,791

3,776

3,787

3,769

3,716

3,659

3,624

-

-

3,737

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Marketable equity securities

3,791

3,776

3,787

3,769

3,716

3,659

3,624

3,659

3,677

3,737

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total investment securities

97,486

80,088

81,651

63,632

66,604

70,085

65,727

60,383

43,006

45,722

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans
Financing Receivable, before Allowance for Credit Loss

623,765

597,374

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans and Leases Receivable, before Fees, Gross

-

-

-

-

-

587,933

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

141,520

99,390

110,483

-

-

-

-

Interest-bearing deposits in other banks

-

-

-

-

-

-

-

-

-

-

654

652

651

650

1,534

1,532

1,530

1,528

1,526

1,525

1,523

1,522

1,520

1,518

1,516

1,515

1,513

1,511

1,509

1,507

1,506

2,103

2,097

2,187

2,178

2,269

4,396

Investment securities available for sale (at fair value)

-

-

-

-

-

-

-

-

-

-

48,356

53,461

55,351

57,491

60,388

42,635

44,394

30,893

34,423

42,779

46,898

48,301

49,624

51,258

52,741

43,616

32,577

25,527

27,889

31,844

42,157

35,553

37,331

38,458

47,063

49,342

51,503

Loans and Leases Receivable, Gross

-

-

570,128

573,421

579,900

-

577,115

573,996

595,882

601,351

582,384

567,240

546,841

569,759

559,599

557,209

517,678

515,318

515,701

503,747

492,245

457,919

447,436

422,927

411,945

395,317

384,030

405,041

398,308

400,057

376,077

395,081

397,752

408,715

417,444

423,858

441,691

Unearned fees and unamortized loan origination costs - net

-79

-820

-628

-611

-283

-119

483

355

968

1,039

1,217

923

907

1,075

1,052

1,459

611

58

145

383

315

-324

-425

-759

-522

-304

-38

-6

13

-24

-387

-518

-691

-569

-502

-422

-645

Allowance for credit losses

9,120

7,908

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net loans

614,566

588,646

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Allowance for credit losses

-

-

8,230

8,452

8,417

8,395

8,798

8,425

9,116

9,267

9,158

9,007

8,948

8,902

8,918

8,909

9,718

9,713

11,573

11,552

11,290

10,771

11,115

11,049

11,084

10,988

10,552

11,157

11,403

11,784

11,160

11,610

13,050

13,648

13,936

13,879

16,520

Net loans

-

-

561,270

564,358

571,200

579,419

568,800

565,926

587,734

593,123

574,443

559,156

538,800

561,932

551,733

549,759

508,571

505,663

504,273

492,578

481,270

446,824

435,896

411,119

400,339

384,025

373,440

393,878

386,918

388,249

364,530

382,953

384,011

394,498

403,006

409,557

424,526

Premises and equipment - net

9,279

9,380

9,455

9,529

9,593

9,837

9,875

10,041

10,123

10,165

10,469

10,710

10,799

10,445

10,225

10,414

10,666

10,800

10,944

11,193

11,331

11,550

11,764

11,965

12,007

12,122

12,088

11,922

12,040

12,262

12,495

12,566

12,731

12,675

12,663

12,875

12,909

Accrued interest receivable

8,285

8,208

10,522

10,314

9,485

8,341

9,412

8,392

7,413

6,526

5,846

5,086

4,445

3,895

3,581

3,138

2,741

2,220

2,172

1,996

1,984

1,927

1,924

1,827

1,591

1,644

1,397

1,536

1,605

1,694

1,620

1,755

1,730

1,946

1,885

2,040

2,152

Other real estate owned

5,745

6,753

5,745

5,745

5,745

5,745

5,745

5,745

5,745

5,745

5,745

5,745

6,471

6,471

7,065

7,454

12,207

12,873

12,689

14,010

14,010

14,010

14,343

14,100

14,462

13,946

17,125

17,221

21,958

23,932

23,487

23,894

26,158

27,091

30,388

32,042

35,580

Intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

16

62

109

155

202

249

304

383

462

553

702

853

1,209

Goodwill

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

4,488

5,977

Deferred tax assets - net

2,555

3,191

-

-

-

3,174

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred tax assets - net

-

-

3,121

3,095

3,171

-

2,760

2,616

2,432

2,389

3,423

3,392

3,395

3,298

5,146

4,901

5,052

5,228

6,712

6,855

6,849

6,853

11,660

11,667

11,786

11,630

10,130

10,146

9,989

9,724

10,862

11,153

11,444

11,485

7,531

10,313

8,878

Cash surrender value of life insurance

21,086

20,955

20,682

20,535

20,388

20,244

19,935

19,803

19,671

19,752

19,447

19,313

19,178

19,047

18,738

18,607

18,468

18,337

18,106

17,975

17,845

17,717

17,587

17,458

17,330

17,203

17,072

16,941

16,809

16,681

16,552

16,413

16,278

16,150

16,017

15,757

15,493

Operating lease right-of-use assets

3,214

3,360

3,610

3,836

3,247

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures

-

-

-

-

-

-

1,588

1,592

1,596

1,601

1,715

1,666

1,247

757

792

910

1,012

917

929

929

959

871

1,006

944

4,531

4,534

4,018

4,240

4,279

4,312

3,649

3,677

1,330

4,149

1,537

1,642

1,851

Other assets

10,689

12,855

10,911

11,501

9,418

11,388

8,398

9,354

7,249

8,391

9,029

8,389

6,141

6,466

6,155

5,668

7,173

6,946

5,749

5,839

5,789

5,529

5,697

5,767

5,495

5,932

5,932

9,828

12,412

12,308

10,461

11,279

15,398

13,468

20,562

18,097

15,306

Total assets

977,246

956,919

957,398

1,006,493

964,040

933,058

904,028

879,468

854,804

805,836

843,507

781,566

784,098

787,972

781,592

744,070

741,791

725,644

718,399

682,320

678,424

663,169

690,394

652,810

662,909

635,929

661,731

635,662

636,548

648,877

633,631

605,607

623,941

651,332

668,490

655,649

678,210

Liabilities & Shareholders' Equity
Liabilities
Deposits
Non-interest-bearing

324,167

311,950

333,156

304,172

300,476

292,720

315,213

281,686

319,438

307,299

315,877

287,003

279,668

262,697

283,462

272,058

261,827

262,168

258,678

235,498

227,537

215,439

241,863

227,092

236,502

214,317

236,112

219,693

211,961

217,014

212,699

197,052

219,358

224,907

201,416

177,645

139,690

Interest-bearing

516,270

506,412

487,067

566,743

531,101

512,923

463,670

475,277

415,178

380,394

409,421

379,308

390,873

413,932

387,824

364,891

375,500

359,637

357,957

344,463

350,730

349,934

349,084

328,973

331,780

328,172

335,364

327,408

337,858

346,273

338,357

327,950

326,071

349,520

360,940

369,914

417,776

Total deposits

840,437

818,362

820,223

870,915

831,577

805,643

778,883

756,963

734,616

687,693

725,298

666,311

670,541

676,629

671,286

636,949

637,327

621,805

616,635

579,961

578,267

565,373

590,947

556,065

568,282

542,489

571,476

547,101

549,819

563,287

551,056

525,002

545,429

574,427

562,356

547,559

557,466

Other borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-25,000

-

-32,000

Other borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

25,000

-

Accrued interest payable

50

59

72

77

81

57

57

43

47

44

41

33

52

76

39

28

33

29

30

28

42

40

42

39

42

44

57

60

77

71

94

95

108

111

134

160

222

Operating lease liabilities

3,317

3,463

3,714

3,938

3,343

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other liabilities

7,486

8,239

7,849

7,729

7,392

7,963

7,639

7,121

6,991

7,017

7,526

6,260

5,836

5,781

6,420

5,618

5,029

5,875

5,834

6,411

5,733

4,815

8,063

7,087

5,613

5,728

5,895

5,911

5,502

6,010

5,292

5,417

5,252

5,594

6,558

5,189

4,606

Junior subordinated debentures (at fair value)

8,546

10,808

10,330

10,496

10,454

10,155

10,403

10,125

9,641

9,730

9,534

9,441

9,171

8,832

8,262

7,837

7,948

8,300

7,880

9,916

10,238

10,115

10,047

10,082

11,532

11,125

10,804

10,882

10,685

10,068

9,515

9,276

9,567

9,027

9,048

10,912

10,646

Total liabilities

859,836

840,931

842,188

893,155

852,847

823,818

796,982

774,252

751,295

704,484

742,399

682,045

685,600

691,318

686,007

650,432

650,337

636,009

630,379

596,316

594,280

580,343

609,099

573,273

585,469

559,386

588,232

563,954

566,083

579,436

565,957

539,790

560,356

589,159

603,096

588,820

604,940

Commitments and Contingencies

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

0

Shareholders' Equity
Common stock, no par value; 20,000,000 shares authorized; issued and outstanding: 16,974,235 at March 31, 2020 and 16,973,885 at December 31, 2019

59,050

58,973

58,896

58,818

58,723

58,624

58,472

58,309

58,171

57,880

57,861

57,844

57,790

56,557

55,305

54,259

53,366

52,572

51,726

50,914

50,106

49,271

48,420

47,478

46,640

45,778

45,038

44,416

43,796

43,173

42,432

42,087

41,774

41,435

41,129

40,707

39,869

Retained earnings

58,534

57,647

56,619

54,312

52,080

49,942

47,852

46,025

44,152

44,182

43,615

42,053

41,252

40,701

40,390

39,382

38,248

37,265

36,472

35,392

34,130

33,730

33,019

32,155

30,939

30,884

28,662

27,429

26,635

26,179

25,054

24,029

22,164

21,447

25,108

26,986

33,807

Accumulated other comprehensive loss

-174

-632

-305

208

390

674

722

882

1,186

-710

-368

-376

-544

-604

-110

-3

-160

-202

-178

-302

-92

-175

-144

-96

-139

-119

-201

-137

34

89

188

-299

-353

-709

-843

-864

-406

Total shareholders' equity

117,410

115,988

115,210

113,338

111,193

109,240

107,046

105,216

103,509

101,352

101,108

99,521

98,498

96,654

95,585

93,638

91,454

89,635

88,020

86,004

84,144

82,826

81,295

79,537

77,440

76,543

73,499

71,708

70,465

69,441

67,674

65,817

63,585

62,173

65,394

66,829

73,270

Total liabilities and shareholders' equity

977,246

956,919

957,398

1,006,493

964,040

933,058

904,028

879,468

854,804

805,836

843,507

781,566

784,098

787,972

781,592

744,070

741,791

725,644

718,399

682,320

678,424

663,169

690,394

652,810

662,909

635,929

661,731

635,662

636,548

648,877

633,631

605,607

623,941

651,332

668,490

655,649

678,210