Call reports 2025
UNICO BANK — 2025
What UNICO 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 | 518,515,000 | 514,028,000 | 505,773,000 | 504,724,000 |
| Total loans | 413,171,000 | 414,870,000 | 415,727,000 | 412,208,000 |
| Allowance for loan losses | 3,322,000 | 3,544,000 | 3,807,000 | 4,371,000 |
| Securities available for sale | 58,615,000 | 65,069,000 | 62,072,000 | 65,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,134,000 | 470,732,000 | 457,294,000 | 459,197,000 |
| Interest-bearing deposits | 367,570,000 | 361,248,000 | 347,143,000 | 342,229,000 |
| Noninterest-bearing deposits | 108,564,000 | 109,484,000 | 110,151,000 | 116,968,000 |
| Equity capital | 40,247,000 | 40,825,000 | 41,840,000 | 43,239,000 |
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 | 7,568,000 | 15,444,000 | 23,355,000 | 31,145,000 |
| Interest expense | 2,833,000 | 5,552,000 | 8,178,000 | 10,640,000 |
| Net interest income | 4,735,000 | 9,892,000 | 15,177,000 | 20,505,000 |
| Noninterest income | 904,000 | 1,869,000 | 2,888,000 | 3,834,000 |
| Noninterest expense | 4,128,000 | 8,110,000 | 12,478,000 | 16,917,000 |
| Provision for loan losses | 245,000 | 532,000 | 1,078,000 | 1,719,000 |
| Pretax income | 1,259,000 | 3,108,000 | 4,489,000 | 5,673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,259,000 | 3,108,000 | 4,489,000 | 5,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,249,000 | 42,435,000 | 42,855,000 | 43,750,000 |
| Total capital | 45,674,000 | 46,082,000 | 46,765,000 | 48,224,000 |
| Risk-weighted assets | 385,893,000 | 371,325,000 | 371,683,000 | 385,864,000 |