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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	22.56	61.68	61.25	41.75	30.85	21.94
Investment Securities	47.09	48.51	51.35	48.53	55.02	60.7
Mortgage-Backed Securities	-	-	-	-	-	0.01
Total Investments	47.09	48.51	51.35	48.53	55.02	60.7
Gross Loans	366.43	386.15	464.69	459.02	326.34	294.62
Allowance for Loan Losses	-6.99	-	-	-4.58	-4.58	-4.57
Net Loans	359.44	386.15	464.69	454.44	321.77	290.05
Property, Plant & Equipment	5.79	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
Long-Term Deferred Tax Assets	13.18	0.53	6.88	1.2	0.29	-
Other Long-Term Assets	5.59	17.66	17.17	16.87	16.62	16.04
Total Assets	441.94	522.32	610.05	586.73	455.68	403.9
Interest Bearing Deposits	311.05	363.44	414.27	293.69	239.32	216.15
Institutional Deposits	-	-	-	77.07	36.57	41.78
Non-Interest Bearing Deposits	72.3	76.17	100.14	117.49	98.49	79.65
Total Deposits	383.35	439.6	514.4	488.25	374.38	337.57
Short-Term Borrowings	29	50	20	22	10	5
Current Portion of Leases	-	-	-	0.33	-	-
Accrued Interest Payable	-	1.52	1.26	0.32	0.02	0.03
Long-Term Leases	-	0.76	1.09	1.08	1.72	0.3
Long-Term Deferred Tax Liabilities	-	-	-	-	-	0.37
Other Long-Term Liabilities	1.88	0.51	11.88	2.73	2.44	1.54
Total Liabilities	414.23	492.39	548.63	514.71	388.57	344.81
Common Stock	27.71	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	27.71	29.93	61.42	72.02	67.12	59.09
Shareholders' Equity	27.71	29.93	61.42	72.02	67.12	59.09
Total Liabilities & Equity	441.94	522.32	610.05	586.73	455.68	403.9
Total Debt	29	50.76	21.09	23.41	11.72	5.3
Net Cash (Debt)	-6.44	10.93	40.17	18.35	19.12	19.39
Net Cash Growth	-	-72.80%	118.93%	-4.05%	-1.36%	-41.38%
Net Cash Per Share	-1.17	1.99	7.36	3.25	3.35	3.49
Filing Date Shares Outstanding	5.48	5.49	5.46	5.44	5.56	5.58
Total Common Shares Outstanding	5.48	5.49	5.46	5.44	5.56	5.58
Book Value Per Share	5.06	5.46	11.25	13.24	12.07	10.59
Tangible Book Value	27.71	29.93	61.42	72.02	67.12	59.09
Tangible Book Value Per Share	5.06	5.46	11.25	13.24	12.07	10.59

Updated Oct 30, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.