Home > United Savings and Loan Bank > Income and Expense
United Savings and Loan Bank, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,360,000 | 1,976 |
| Total interest expense | $3,423,000 | 1,414 |
| Net interest income | $3,937,000 | 2,469 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $527,000 | 3,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $527,000 | 2,376 |
| Total noninterest expense | $2,080,000 | 3,570 |
| Salaries and employee benefits | $1,236,000 | 3,298 |
| Premises and equipment expense | $345,000 | 3,115 |
| Additional noninterest expense | $499,000 | 4,250 |
| Pre-tax net operating income | $2,344,000 | 1,777 |
| Securities gains (losses) | $1,197,000 | 326 |
| Applicable income taxes | $1,221,000 | 1,159 |
| Income before extraordinary items | $2,320,000 | 1,428 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,320,000 | 1,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 505 |
| Net operating income | $1,529,980 | 1,950 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,860,000 | 1,906 |
| Total interest expense | $1,768,000 | 1,393 |
| Net interest income | $2,092,000 | 2,325 |
| Provision for loan and lease losses | $25,000 | 4,925 |
| Total noninterest income | $221,000 | 3,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $221,000 | 2,545 |
| Total noninterest expense | $982,000 | 3,719 |
| Salaries and employee benefits | $580,000 | 3,461 |
| Premises and equipment expense | $180,000 | 3,019 |
| Additional noninterest expense | $222,000 | 4,600 |
| Pre-tax net operating income | $1,306,000 | 1,613 |
| Securities gains (losses) | $103,000 | 984 |
| Applicable income taxes | $488,000 | 1,400 |
| Income before extraordinary items | $921,000 | 1,730 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $921,000 | 1,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $854,050 | 1,737 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,430,000 | 1,876 |
| Total interest expense | $8,429,000 | 1,336 |
| Net interest income | $8,001,000 | 2,399 |
| Provision for loan and lease losses | $75,000 | 6,163 |
| Total noninterest income | $845,000 | 3,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $845,000 | 2,424 |
| Total noninterest expense | $3,770,000 | 3,722 |
| Salaries and employee benefits | $2,138,000 | 3,539 |
| Premises and equipment expense | $646,000 | 3,204 |
| Additional noninterest expense | $986,000 | 4,223 |
| Pre-tax net operating income | $5,001,000 | 1,628 |
| Securities gains (losses) | $57,000 | 2,288 |
| Applicable income taxes | $1,701,000 | 1,486 |
| Income before extraordinary items | $3,357,000 | 1,785 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,357,000 | 1,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $570,000 | 3,252 |
| Sale, conversion, retirement of capital stock, net | $698,000 | 430 |
| Net operating income | $3,319,380 | 1,746 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,107,000 | 1,781 |
| Total interest expense | $13,077,000 | 1,237 |
| Net interest income | $6,030,000 | 2,940 |
| Provision for loan and lease losses | $185,000 | 4,295 |
| Total noninterest income | $1,390,000 | 2,659 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,390,000 | 1,632 |
| Total noninterest expense | $3,878,000 | 3,526 |
| Salaries and employee benefits | $2,455,000 | 2,988 |
| Premises and equipment expense | $693,000 | 2,965 |
| Additional noninterest expense | $730,000 | 5,119 |
| Pre-tax net operating income | $3,357,000 | 2,047 |
| Securities gains (losses) | $45,000 | 2,460 |
| Applicable income taxes | $1,146,000 | 1,890 |
| Income before extraordinary items | $2,256,000 | 2,283 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,256,000 | 2,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,052 |
| Cash dividends | $578,000 | 3,217 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 791 |
| Net operating income | $2,226,300 | 2,243 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,310,000 | 1,787 |
| Total interest expense | $11,803,000 | 1,460 |
| Net interest income | $7,507,000 | 2,366 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $3,723,000 | 1,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,723,000 | 752 |
| Total noninterest expense | $3,610,000 | 3,602 |
| Salaries and employee benefits | $2,256,000 | 3,111 |
| Premises and equipment expense | $681,000 | 2,933 |
| Additional noninterest expense | $673,000 | 5,332 |
| Pre-tax net operating income | $7,620,000 | 1,006 |
| Securities gains (losses) | $27,000 | 874 |
| Applicable income taxes | $2,626,000 | 928 |
| Income before extraordinary items | $5,021,000 | 1,061 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,021,000 | 1,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,922,000 | 9,900 |
| Cash dividends | $378,000 | 4,071 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 853 |
| Net operating income | $5,003,180 | 1,068 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,197,000 | 1,789 |
| Total interest expense | $10,915,000 | 1,374 |
| Net interest income | $7,282,000 | 2,420 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $-2,551,000 | 10,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $-2,551,000 | 10,239 |
| Total noninterest expense | $3,515,000 | 3,698 |
| Salaries and employee benefits | $1,970,000 | 3,488 |
| Premises and equipment expense | $680,000 | 2,935 |
| Additional noninterest expense | $865,000 | 4,516 |
| Pre-tax net operating income | $1,156,000 | 4,880 |
| Securities gains (losses) | $67,000 | 879 |
| Applicable income taxes | $405,000 | 4,126 |
| Income before extraordinary items | $818,000 | 5,026 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $818,000 | 5,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,452,000 | 334 |
| Cash dividends | $263,000 | 4,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $773,110 | 5,149 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,880,000 | 1,813 |
| Total interest expense | $10,621,000 | 1,442 |
| Net interest income | $7,259,000 | 2,352 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $883,000 | 3,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $883,000 | 2,030 |
| Total noninterest expense | $3,306,000 | 3,788 |
| Salaries and employee benefits | $2,247,000 | 2,993 |
| Premises and equipment expense | $562,000 | 3,371 |
| Additional noninterest expense | $497,000 | 6,466 |
| Pre-tax net operating income | $4,776,000 | 1,543 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $1,626,000 | 1,510 |
| Income before extraordinary items | $3,162,000 | 1,672 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,162,000 | 1,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,450 |
| Cash dividends | $639,000 | 3,016 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 859 |
| Net operating income | $3,154,080 | 1,608 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,020,000 | 1,936 |
| Total interest expense | $9,421,000 | 1,642 |
| Net interest income | $7,599,000 | 2,309 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $739,000 | 3,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $739,000 | 2,145 |
| Total noninterest expense | $3,075,000 | 4,021 |
| Salaries and employee benefits | $2,193,000 | 3,021 |
| Premises and equipment expense | $492,000 | 3,759 |
| Additional noninterest expense | $390,000 | 7,438 |
| Pre-tax net operating income | $5,263,000 | 1,468 |
| Securities gains (losses) | $-108,000 | 10,779 |
| Applicable income taxes | $1,742,000 | 1,485 |
| Income before extraordinary items | $3,413,000 | 1,581 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,413,000 | 1,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,989 |
| Cash dividends | $596,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $315,000 | 603 |
| Net operating income | $3,484,280 | 1,509 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,446,000 | 2,183 |
| Total interest expense | $8,688,000 | 1,817 |
| Net interest income | $6,758,000 | 2,605 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $760,000 | 3,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $760,000 | 2,175 |
| Total noninterest expense | $4,009,000 | 3,341 |
| Salaries and employee benefits | $2,050,000 | 3,264 |
| Premises and equipment expense | $505,000 | 3,751 |
| Additional noninterest expense | $1,454,000 | 3,205 |
| Pre-tax net operating income | $3,509,000 | 2,051 |
| Securities gains (losses) | $-27,000 | 10,789 |
| Applicable income taxes | $1,176,000 | 2,029 |
| Income before extraordinary items | $2,306,000 | 2,148 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,306,000 | 2,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $360,000 | 4,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,323,820 | 2,085 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,774,000 | 2,423 |
| Total interest expense | $7,497,000 | 2,091 |
| Net interest income | $6,277,000 | 2,843 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,944,000 | 1,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,944,000 | 1,148 |
| Total noninterest expense | $3,034,000 | 4,248 |
| Salaries and employee benefits | $1,733,000 | 3,764 |
| Premises and equipment expense | $513,000 | 3,679 |
| Additional noninterest expense | $788,000 | 5,318 |
| Pre-tax net operating income | $5,187,000 | 1,458 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $1,712,000 | 1,458 |
| Income before extraordinary items | $3,479,000 | 1,474 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,479,000 | 1,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $428,000 | 3,700 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $3,476,320 | 1,463 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,513,000 | 2,626 |
| Total interest expense | $5,781,000 | 2,163 |
| Net interest income | $5,732,000 | 3,124 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $-267,000 | 12,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $-267,000 | 12,624 |
| Total noninterest expense | $3,022,000 | 4,378 |
| Salaries and employee benefits | $1,777,000 | 3,661 |
| Premises and equipment expense | $506,000 | 3,764 |
| Additional noninterest expense | $739,000 | 6,069 |
| Pre-tax net operating income | $2,443,000 | 2,889 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $752,000 | 2,923 |
| Income before extraordinary items | $1,694,000 | 2,850 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,694,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $353,000 | 4,055 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 929 |
| Net operating income | $1,691,930 | 2,879 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,470,000 | 2,701 |
| Total interest expense | $5,843,000 | 2,224 |
| Net interest income | $5,627,000 | 3,207 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,105,000 | 3,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,105,000 | 1,907 |
| Total noninterest expense | $2,806,000 | 4,784 |
| Salaries and employee benefits | $1,681,000 | 3,855 |
| Premises and equipment expense | $522,000 | 3,718 |
| Additional noninterest expense | $603,000 | 7,303 |
| Pre-tax net operating income | $3,926,000 | 1,754 |
| Securities gains (losses) | $305,000 | 1,284 |
| Applicable income taxes | $1,380,000 | 1,691 |
| Income before extraordinary items | $2,851,000 | 1,757 |
| Extraordinary gains, net | $-207,000 | 13,055 |
| Net income | $2,644,000 | 1,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 6,315 |
| Cash dividends | $411,000 | 3,572 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,646,650 | 1,776 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,571,000 | 2,794 |
| Total interest expense | $6,805,000 | 2,479 |
| Net interest income | $5,766,000 | 3,185 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $1,153,000 | 2,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,153,000 | 1,814 |
| Total noninterest expense | $2,716,000 | 4,942 |
| Salaries and employee benefits | $1,566,000 | 4,063 |
| Premises and equipment expense | $510,000 | 3,898 |
| Additional noninterest expense | $640,000 | 7,178 |
| Pre-tax net operating income | $4,203,000 | 1,502 |
| Securities gains (losses) | $551,000 | 1,014 |
| Applicable income taxes | $1,466,000 | 1,476 |
| Income before extraordinary items | $3,288,000 | 1,408 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,288,000 | 1,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 7,050 |
| Cash dividends | $348,000 | 3,680 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,025 |
| Net operating income | $2,907,810 | 1,480 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.