Call reports 2025
UNIBANK — 2025
What UNIBANK 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 | 441,763,000 | 409,401,000 | 394,942,000 | 408,899,000 |
| Total loans | 366,427,000 | 318,109,000 | 301,264,000 | 286,190,000 |
| Allowance for loan losses | 6,991,000 | 3,798,000 | 3,102,000 | 2,766,000 |
| Securities available for sale | 44,409,000 | 43,067,000 | 50,529,000 | 53,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,612,000 | 359,119,000 | 344,939,000 | 338,001,000 |
| Interest-bearing deposits | 311,049,000 | 292,523,000 | 276,888,000 | 276,491,000 |
| Noninterest-bearing deposits | 72,563,000 | 66,596,000 | 68,051,000 | 61,510,000 |
| Equity capital | 27,273,000 | 27,813,000 | 28,333,000 | 28,546,000 |
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 | 6,643,000 | 12,578,000 | 18,177,000 | 23,636,000 |
| Interest expense | 3,906,000 | 7,157,000 | 10,246,000 | 13,226,000 |
| Net interest income | 2,737,000 | 5,421,000 | 7,931,000 | 10,410,000 |
| Noninterest income | 279,000 | 308,000 | 507,000 | 714,000 |
| Noninterest expense | 3,052,000 | 6,313,000 | 10,052,000 | 14,402,000 |
| Provision for loan losses | 3,101,000 | 811,000 | 129,000 | -1,534,000 |
| Pretax income | -3,140,000 | -1,451,000 | -1,682,000 | -1,682,000 |
| Income tax | -1,087,000 | -176,000 | -188,000 | 381,000 |
| Net income | -2,053,000 | -1,275,000 | -1,494,000 | -2,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,139,000 | 29,924,000 | 29,723,000 | 29,254,000 |
| Total capital | 33,864,000 | 33,845,000 | 32,830,000 | 32,025,000 |
| Risk-weighted assets | 375,700,000 | 324,628,000 | 308,918,000 | 293,217,000 |