U & I Financial Corp. (UNIF)

U & I Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	34	61.43	61	41.75	30.85	21.94
Investment Securities	52.77	44.77	49.01	48.53	55.02	60.7
Mortgage-Backed Securities	-	-	-	-	-	0.01
Total Investments	52.77	44.77	49.01	48.53	55.02	60.7
Gross Loans	301.26	395.82	490.68	459.02	326.34	294.62
Allowance for Loan Losses	-3.1	-9.62	-25.95	-4.58	-4.58	-4.57
Other Adjustments to Gross Loans	-	-0.05	-0.04	-	-	-
Net Loans	298.16	386.15	464.69	454.44	321.77	290.05
Property, Plant & Equipment	5.51	5.94	6.44	6.98	7.19	5.89
Loans Held for Sale	-	-	-	12.53	20.78	6.69
Accrued Interest Receivable	-	1.86	2.27	1.76	1.12	1.72
Restricted Cash	-	0.25	0.25	0.25	0.25	0.25
Long-Term Deferred Tax Assets	0.57	0.53	6.88	1.2	0.29	-
Other Long-Term Assets	4.11	18.78	18.25	16.87	16.62	16.04
Total Assets	395.12	522.32	610.05	586.73	455.68	403.9
Interest Bearing Deposits	276.89	297.82	379.46	293.69	239.32	216.15
Institutional Deposits	-	65.62	34.8	77.07	36.57	41.78
Non-Interest Bearing Deposits	67.85	76.17	100.14	117.49	98.49	79.65
Total Deposits	344.74	439.6	514.4	488.25	374.38	337.57
Short-Term Borrowings	-	-	20	22	10	5
Current Portion of Long-Term Debt	-	30	-	-	-	-
Current Portion of Leases	-	0.35	-	-	-	-
Accrued Interest Payable	-	1.52	1.26	0.32	0.02	0.03
Federal Home Loan Bank Debt, Long-Term	20	20	-	-	-	-
Long-Term Leases	-	0.41	1.09	1.41	1.72	0.3
Long-Term Deferred Tax Liabilities	-	-	-	-	-	0.37
Other Long-Term Liabilities	1.67	0.51	11.88	2.73	2.44	1.54
Total Liabilities	366.41	492.39	548.63	514.71	388.57	344.81
Common Stock	28.71	31.51	31.35	30.96	30.02	29.46
Retained Earnings	-	0.11	31.18	42.73	35.33	27.19
Comprehensive Income & Other	-	-1.69	-1.11	-1.66	1.77	2.43
Total Common Equity	28.71	29.93	61.42	72.02	67.12	59.09
Shareholders' Equity	28.71	29.93	61.42	72.02	67.12	59.09
Total Liabilities & Equity	395.12	522.32	610.05	586.73	455.68	403.9
Total Debt	20	50.76	21.09	23.41	11.72	5.3
Net Cash (Debt)	14	10.68	39.92	18.35	19.12	19.39
Net Cash Growth	-	-73.26%	117.57%	-4.05%	-1.36%	-41.38%
Net Cash Per Share	2.56	1.95	7.33	3.25	3.35	3.49
Filing Date Shares Outstanding	5.48	5.48	5.47	5.44	5.56	5.58
Total Common Shares Outstanding	5.48	5.48	5.47	5.44	5.56	5.58
Book Value Per Share	5.24	5.47	11.24	13.24	12.07	10.59
Tangible Book Value	28.71	29.93	61.42	72.02	67.12	59.09
Tangible Book Value Per Share	5.24	5.47	11.24	13.24	12.07	10.59

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.