Financial insights of UNB

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30	2024-12-31
Interest and fees on loans	16,996	16,563	-
Taxable	1,351	1,314	-
Tax exempt	388	389	-
Dividends	203	199	-
Interest on federal funds sold and overnight deposits	192	178	-
Interest on interest bearing deposits in banks	77	78	-
Total interest and dividend income	19,207	18,721	-
Interest on deposits	5,070	5,607	-
Interest on borrowed funds	2,838	2,526	-
Interest on subordinated notes	143	142	-
Total interest expense	8,051	8,275	-
Net interest income	11,156	10,446	-
Credit loss expense	313	221	-
Net interest income after credit loss expense	10,843	10,225	-
Wealth management income	297	295	-
Service fees	1,793	1,715	-
Net losses on sales of investment securities available-for-sale	0	-	-
Net gains on sales of loans held for sale	700	480	-
Net gains on other investments	94	119	-
Other income	466	150	-
Total noninterest income	3,350	2,759	-
Salaries and wages	4,436	4,085	-
Employee benefits	1,406	1,971	-
Occupancy expense, net	537	547	-
Equipment expense	1,095	1,100	-
Other expenses	2,869	2,784	-
Total noninterest expenses	10,343	10,487	-
Equity in undistributed net income - union	-	-	442*
Income before provision (benefit) for income taxes	3,850	2,497	-
Income before equity in undistributed net income of subsidiary	-	-	1,749*
Provision (benefit) for income taxes	414	102	-
Net income	3,436	2,395	2,190

Basic EPS	0.75	0.53	0.484
Diluted EPS	0.75	0.52	0.481
Basic Average Shares	4,563,784	4,544,460	4,523,140
Diluted Average Shares	4,599,367	4,580,028	4,554,049

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