Call reports 2025
UNB BANK — 2025
What UNB 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 | 163,730,000 | 170,071,000 | 166,998,000 | 169,220,000 |
| Total loans | 87,012,000 | 87,030,000 | 87,087,000 | 88,872,000 |
| Allowance for loan losses | 812,000 | 812,000 | 812,000 | 768,000 |
| Securities available for sale | 44,183,000 | 47,774,000 | 56,272,000 | 65,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,614,000 | 160,029,000 | 155,824,000 | 157,928,000 |
| Interest-bearing deposits | 109,372,000 | 115,680,000 | 110,409,000 | 112,075,000 |
| Noninterest-bearing deposits | 44,242,000 | 44,349,000 | 45,415,000 | 45,853,000 |
| Equity capital | 9,131,000 | 9,057,000 | 10,148,000 | 10,356,000 |
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 | 1,433,000 | 2,957,000 | 4,499,000 | 6,027,000 |
| Interest expense | 539,000 | 1,091,000 | 1,629,000 | 2,165,000 |
| Net interest income | 894,000 | 1,866,000 | 2,870,000 | 3,862,000 |
| Noninterest income | 119,000 | 239,000 | 363,000 | 486,000 |
| Noninterest expense | 1,031,000 | 2,059,000 | 3,108,000 | 4,149,000 |
| Provision for loan losses | -33,000 | -33,000 | -33,000 | -68,000 |
| Pretax income | 15,000 | 79,000 | 158,000 | 267,000 |
| Income tax | 0 | 0 | 0 | 29,000 |
| Net income | 15,000 | 79,000 | 158,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,394,000 | 15,401,000 | 15,481,000 | 15,474,000 |