Home > The United Banking Company > Income and Expense
The United Banking Company, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,108,000 | 5,413 |
| Total interest expense | $465,000 | 4,574 |
| Net interest income | $643,000 | 5,831 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $175,000 | 4,492 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $135,000 | 2,807 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $40,000 | 5,700 |
| Total noninterest expense | $698,000 | 4,803 |
| Salaries and employee benefits | $288,000 | 5,757 |
| Premises and equipment expense | $70,000 | 5,840 |
| Additional noninterest expense | $340,000 | 3,277 |
| Pre-tax net operating income | $60,000 | 7,837 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $21,000 | 6,031 |
| Income before extraordinary items | $39,000 | 8,116 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $39,000 | 8,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,377 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $39,000 | 7,971 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,869,000 | 5,265 |
| Total interest expense | $2,103,000 | 4,638 |
| Net interest income | $2,766,000 | 5,568 |
| Provision for loan and lease losses | $420,000 | 2,722 |
| Total noninterest income | $660,000 | 4,483 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $530,000 | 2,840 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $130,000 | 5,899 |
| Total noninterest expense | $2,939,000 | 4,532 |
| Salaries and employee benefits | $1,100,000 | 5,809 |
| Premises and equipment expense | $330,000 | 5,272 |
| Additional noninterest expense | $1,509,000 | 2,948 |
| Pre-tax net operating income | $67,000 | 8,411 |
| Securities gains (losses) | $26,000 | 2,961 |
| Applicable income taxes | $34,000 | 6,771 |
| Income before extraordinary items | $59,000 | 8,517 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $59,000 | 8,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 1,841 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $42,360 | 8,496 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,307,000 | 4,786 |
| Total interest expense | $3,919,000 | 3,866 |
| Net interest income | $2,388,000 | 5,871 |
| Provision for loan and lease losses | $160,000 | 4,638 |
| Total noninterest income | $525,000 | 4,939 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $439,000 | 3,162 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $86,000 | 6,743 |
| Total noninterest expense | $3,258,000 | 4,068 |
| Salaries and employee benefits | $1,153,000 | 5,471 |
| Premises and equipment expense | $289,000 | 5,640 |
| Additional noninterest expense | $1,816,000 | 2,451 |
| Pre-tax net operating income | $-505,000 | 9,170 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-192,000 | 9,368 |
| Income before extraordinary items | $-313,000 | 9,135 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-313,000 | 9,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,385,000 | 744 |
| Cash dividends | $361,000 | 4,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-313,000 | 9,081 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,613,000 | 4,785 |
| Total interest expense | $3,333,000 | 4,541 |
| Net interest income | $3,280,000 | 4,839 |
| Provision for loan and lease losses | $2,210,000 | 566 |
| Total noninterest income | $371,000 | 5,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,176 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 6,842 |
| Total noninterest expense | $2,078,000 | 5,539 |
| Salaries and employee benefits | $1,001,000 | 5,913 |
| Premises and equipment expense | $176,000 | 7,142 |
| Additional noninterest expense | $901,000 | 4,333 |
| Pre-tax net operating income | $-637,000 | 9,611 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-235,000 | 9,711 |
| Income before extraordinary items | $-402,000 | 9,517 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-402,000 | 9,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,340 |
| Cash dividends | $438,000 | 3,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-402,000 | 9,518 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,645,000 | 5,143 |
| Total interest expense | $2,743,000 | 4,926 |
| Net interest income | $2,902,000 | 5,293 |
| Provision for loan and lease losses | $220,000 | 3,352 |
| Total noninterest income | $439,000 | 5,345 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,226 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $1,805,000 | 6,074 |
| Salaries and employee benefits | $840,000 | 6,574 |
| Premises and equipment expense | $172,000 | 7,291 |
| Additional noninterest expense | $793,000 | 4,813 |
| Pre-tax net operating income | $1,316,000 | 4,481 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $439,000 | 3,919 |
| Income before extraordinary items | $877,000 | 4,817 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $877,000 | 4,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,922 |
| Cash dividends | $436,000 | 3,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $877,000 | 4,774 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,498,000 | 5,301 |
| Total interest expense | $2,791,000 | 4,974 |
| Net interest income | $2,707,000 | 5,543 |
| Provision for loan and lease losses | $190,000 | 3,612 |
| Total noninterest income | $490,000 | 4,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $355,000 | 3,465 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 5,944 |
| Total noninterest expense | $1,654,000 | 6,313 |
| Salaries and employee benefits | $784,000 | 6,757 |
| Premises and equipment expense | $164,000 | 7,353 |
| Additional noninterest expense | $706,000 | 5,131 |
| Pre-tax net operating income | $1,353,000 | 4,492 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $481,000 | 3,934 |
| Income before extraordinary items | $872,000 | 4,927 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $872,000 | 4,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,135 |
| Cash dividends | $490,000 | 3,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $872,000 | 4,845 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,178,000 | 5,653 |
| Total interest expense | $2,426,000 | 5,525 |
| Net interest income | $2,752,000 | 5,665 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $416,000 | 5,599 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $332,000 | 3,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,257 |
| Total noninterest expense | $1,504,000 | 6,772 |
| Salaries and employee benefits | $738,000 | 7,093 |
| Premises and equipment expense | $146,000 | 7,890 |
| Additional noninterest expense | $620,000 | 5,685 |
| Pre-tax net operating income | $1,544,000 | 4,388 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $561,000 | 3,869 |
| Income before extraordinary items | $983,000 | 4,762 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $983,000 | 4,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,573 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $983,000 | 4,697 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,749,000 | 6,153 |
| Total interest expense | $2,203,000 | 6,042 |
| Net interest income | $2,546,000 | 6,120 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $326,000 | 6,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 8,436 |
| Total noninterest expense | $1,463,000 | 7,218 |
| Salaries and employee benefits | $708,000 | 7,481 |
| Premises and equipment expense | $183,000 | 7,367 |
| Additional noninterest expense | $572,000 | 6,536 |
| Pre-tax net operating income | $1,289,000 | 4,851 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $417,000 | 4,765 |
| Income before extraordinary items | $872,000 | 4,977 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $872,000 | 4,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,641 |
| Cash dividends | $335,000 | 4,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $872,000 | 4,930 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,171,000 | 6,824 |
| Total interest expense | $1,948,000 | 6,590 |
| Net interest income | $2,223,000 | 6,826 |
| Provision for loan and lease losses | $160,000 | 3,506 |
| Total noninterest income | $276,000 | 7,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $230,000 | 5,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,426 |
| Total noninterest expense | $1,304,000 | 7,850 |
| Salaries and employee benefits | $670,000 | 7,926 |
| Premises and equipment expense | $193,000 | 7,333 |
| Additional noninterest expense | $441,000 | 7,787 |
| Pre-tax net operating income | $1,035,000 | 5,849 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $367,000 | 5,253 |
| Income before extraordinary items | $672,000 | 6,167 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $672,000 | 6,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,422 |
| Cash dividends | $280,000 | 4,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $669,400 | 6,158 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,467,000 | 7,378 |
| Total interest expense | $1,392,000 | 7,232 |
| Net interest income | $2,075,000 | 7,388 |
| Provision for loan and lease losses | $97,000 | 4,641 |
| Total noninterest income | $283,000 | 7,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 5,476 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,058 |
| Total noninterest expense | $1,408,000 | 7,889 |
| Salaries and employee benefits | $715,000 | 7,764 |
| Premises and equipment expense | $228,000 | 6,906 |
| Additional noninterest expense | $465,000 | 8,194 |
| Pre-tax net operating income | $853,000 | 6,618 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $287,000 | 6,034 |
| Income before extraordinary items | $572,000 | 6,748 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $572,000 | 6,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $567,980 | 6,836 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,915,000 | 8,475 |
| Total interest expense | $1,099,000 | 8,689 |
| Net interest income | $1,816,000 | 8,202 |
| Provision for loan and lease losses | $185,000 | 4,083 |
| Total noninterest income | $341,000 | 7,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 5,289 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,775 |
| Total noninterest expense | $1,397,000 | 8,205 |
| Salaries and employee benefits | $716,000 | 7,899 |
| Premises and equipment expense | $247,000 | 6,746 |
| Additional noninterest expense | $434,000 | 8,884 |
| Pre-tax net operating income | $575,000 | 8,127 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $184,000 | 7,926 |
| Income before extraordinary items | $391,000 | 8,526 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $391,000 | 8,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,816 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $391,000 | 8,254 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,786,000 | 9,358 |
| Total interest expense | $1,279,000 | 9,322 |
| Net interest income | $1,507,000 | 9,247 |
| Provision for loan and lease losses | $211,000 | 5,078 |
| Total noninterest income | $442,000 | 6,146 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 5,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $199,000 | 5,690 |
| Total noninterest expense | $1,297,000 | 8,671 |
| Salaries and employee benefits | $640,000 | 8,450 |
| Premises and equipment expense | $211,000 | 7,601 |
| Additional noninterest expense | $446,000 | 9,020 |
| Pre-tax net operating income | $441,000 | 8,879 |
| Securities gains (losses) | $-27,000 | 13,553 |
| Applicable income taxes | $106,000 | 9,741 |
| Income before extraordinary items | $308,000 | 9,207 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $308,000 | 9,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 5,195 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $327,980 | 8,611 |
* 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.