Financial insights of UBCP

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$1,931K
EPS
$0.34
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Loans, including fees	7,760	7,680	7,327	7,232
Taxable	388	388	387	484
Non-taxable	1,957	1,858	1,896	1,878
Federal funds sold	439	395	138	254
Dividends on federal home loan bank stock and other stock	91	90	94	96
Total interest and dividend income	10,635	10,411	9,842	9,944
Interest expense, time deposits	-	-	-	1,617
Interest expense, savings deposits	-	-	-	30
Interest expense, demand deposit accounts	-	-	-	434
Deposits	2,260	2,188	2,015	-
Borrowings	1,646	1,628	1,580	1,724
Total interest expense	3,906	3,816	3,595	3,805
Net interest income	6,729	6,595	6,247	6,139
Provision for credit loss expense - loans	186	206	96	69
Reversal of credit loss expense - off balance sheet commitments	-	0	-	-
Provision for credit loss expense	186	206	96	69
Net interest income after provision for credit losses	6,543	6,389	6,151	6,070
Total noninterest income	1,348	1,390	1,281	1,215
Salaries and employee benefits	3,049	2,869	2,837	2,757
Occupancy and equipment	639	620	630	573
Professional services	449	508	342	398
Data processing and related electronic services	426	409	366	-
Fdic insurance	94	94	94	108
Insurance	168	159	162	157
Investment income, amortization of premium	-	-	-	38
Franchise and other taxes	145	127	145	148
Advertising	138	130	130	124
Stationery and office supplies	23	38	31	30
Amortization of intangibles	38	38	37	-
Other expenses	811	851	812	1,196
Total noninterest expense	5,980	5,843	5,586	5,529
Income before federal income taxes	1,911	1,936	1,846	1,756
Provision (benefit) for federal income taxes	-20	22	-26	-64
Net income	1,931	1,914	1,872	1,820

Basic EPS	0.34	0.33	0.32	0.31
Diluted EPS	0.34	0.33	0.32	0.31
Basic Average Shares	5,486,221	5,491,322	5,566,428	5,621,393
Diluted Average Shares	5,486,221	5,491,322	5,566,428	5,621,393

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$1,931K
EPS
$0.34
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income
$1,931K
EPS
$0.34
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$1,931KEPS$0.34Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$1,931KEPS$0.34Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$1,931K
EPS
$0.34
Unit: Thousand (K) dollars

Net Income
$1,931K
EPS
$0.34
Unit: Thousand (K) dollars