Call reports 2025
UNIFIED BANK — 2025
What UNIFIED 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 | 825,507,000 | 842,822,000 | 862,514,000 | 851,705,000 |
| Total loans | 496,843,000 | 500,671,000 | 496,387,000 | 491,371,000 |
| Allowance for loan losses | 4,095,000 | 4,156,000 | 4,303,000 | 4,261,000 |
| Securities available for sale | 229,842,000 | 227,252,000 | 253,726,000 | 234,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,539,000 | 657,185,000 | 661,358,000 | 657,198,000 |
| Interest-bearing deposits | 499,295,000 | 508,708,000 | 505,071,000 | 507,329,000 |
| Noninterest-bearing deposits | 138,244,000 | 148,477,000 | 156,287,000 | 149,869,000 |
| Equity capital | 66,916,000 | 65,079,000 | 70,932,000 | 73,862,000 |
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 | 9,768,000 | 20,127,000 | 30,687,000 | 41,250,000 |
| Interest expense | 3,093,000 | 6,413,000 | 9,824,000 | 13,063,000 |
| Net interest income | 6,675,000 | 13,714,000 | 20,863,000 | 28,187,000 |
| Noninterest income | 1,145,000 | 2,506,000 | 3,854,000 | 4,406,000 |
| Noninterest expense | 5,020,000 | 10,087,000 | 15,279,000 | 20,648,000 |
| Provision for loan losses | 96,000 | 302,000 | 488,000 | 624,000 |
| Pretax income | 2,848,000 | 5,975,000 | 9,094,000 | 12,162,000 |
| Income tax | 127,000 | 349,000 | 564,000 | 727,000 |
| Net income | 2,721,000 | 5,626,000 | 8,530,000 | 11,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,167,000 | 78,328,000 | 78,309,000 | 78,385,000 |
| Total capital | 82,262,000 | 82,484,000 | 82,611,000 | 82,646,000 |
| Risk-weighted assets | 617,231,000 | 608,894,000 | 620,941,000 | 615,634,000 |