United Tennessee Bankshares, Inc. (UNTN)

UNTN Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2005	FY 2004
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2005	Dec 31, 2004
Interest Income on Loans	6.99	6.53	5.77	5.02	6.75	5.43
Interest Income on Investments	4.29	4.29	3.63	2.46	-	1.43
Total Interest Income	11.28	10.82	9.4	7.48	6.75	6.86
Interest Paid on Deposits	4.91	5.07	3.01	1.04	2.27	1.64
Interest Paid on Borrowings	-	-	-	-	-	0.01
Total Interest Expense	4.91	5.07	3.01	1.04	2.27	1.65
Net Interest Income	6.37	5.75	6.39	6.44	4.48	5.21
Net Interest Income Growth (YoY)	10.23%	-10.06%	-0.68%	43.85%	-14.18%	-0.62%
Gain (Loss) on Sale of Assets	-	-	-	0.01	0.2	-
Gain (Loss) on Sale of Investments	-	-	-	-	0.47	0.03
Other Non-Interest Income	0.51	0.28	0.32	0.3	0.58	0.2
Total Non-Interest Income	0.83	0.6	0.68	0.64	1.25	0.52
Non-Interest Income Growth (YoY)	38.76%	-11.97%	5.26%	-48.47%	139.89%	-6.97%
Revenues Before Loan Losses	7.21	6.35	7.07	7.08	5.73	5.74
Provision for Loan Losses	-	-	-	-	0.07	0.1
Revenue	7.21	6.35	7.07	7.08	5.65	5.64
Revenue Growth (YoY)	12.91%	-10.25%	-0.14%	25.25%	0.32%	-0.48%
Salaries and Employee Benefits	2.82	2.82	2.8	2.57	-	1.94
Occupancy Expenses	0.52	0.52	0.44	0.48	-	0.26
Federal Deposit Insurance	0.17	0.17	0.15	0.14	-	0.05
Amortization of Goodwill & Intangibles	-	-	-	-	-	0.08
Selling, General & Administrative	0.71	0.71	0.7	0.65	-	0.42
Other Non-Interest Expense	0.94	0.67	0.66	0.64	3.32	0.49
Total Non-Interest Expense	5.16	4.9	4.75	4.47	3.32	3.25
EBT Excluding Unusual Items	2.05	1.45	2.32	2.61	2.34	2.38
Pretax Income	2.05	1.45	2.32	2.61	2.34	2.38
Income Tax Expense	0.38	0.23	0.44	0.5	0.77	0.74
Earnings From Continuing Operations	1.67	1.23	1.88	2.11	1.57	1.64
Net Income	1.67	1.23	1.88	2.11	1.57	1.64
Net Income to Common	1.67	1.23	1.88	2.11	1.57	1.64
Net Income Growth	23.30%	-34.94%	-10.65%	33.93%	-4.09%	-1.73%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	-1.98%	-0.93%	0.58%	-34.20%	1.39%	1.62%
EPS (Basic)	2.26	1.64	2.50	2.81	1.41	1.49
EPS (Diluted)	2.26	1.64	2.50	2.81	1.38	1.46
EPS Growth	25.80%	-34.33%	-11.17%	103.55%	-5.48%	-3.31%
Dividend Per Share	-	0.620	-	-	-	0.360
Dividend Growth	-	-	-	-	-	9.09%
Effective Tax Rate	18.52%	15.62%	18.86%	19.31%	32.71%	31.13%

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