Home > United Bank > Income and Expense
United Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,046,000 | 4,550 |
| Total interest expense | $2,994,000 | 4,794 |
| Net interest income | $4,052,000 | 4,271 |
| Provision for loan and lease losses | $179,000 | 3,734 |
| Total noninterest income | $835,000 | 3,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $602,000 | 2,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $233,000 | 4,738 |
| Total noninterest expense | $2,426,000 | 5,132 |
| Salaries and employee benefits | $1,081,000 | 5,654 |
| Premises and equipment expense | $343,000 | 5,078 |
| Additional noninterest expense | $1,002,000 | 4,400 |
| Pre-tax net operating income | $2,282,000 | 3,052 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $778,000 | 2,923 |
| Income before extraordinary items | $1,504,000 | 3,180 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,504,000 | 3,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,059 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,504,000 | 3,147 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,342,000 | 4,955 |
| Total interest expense | $2,598,000 | 5,395 |
| Net interest income | $3,744,000 | 4,588 |
| Provision for loan and lease losses | $178,000 | 3,312 |
| Total noninterest income | $699,000 | 4,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $529,000 | 2,543 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,607 |
| Total noninterest expense | $2,354,000 | 5,255 |
| Salaries and employee benefits | $1,019,000 | 5,964 |
| Premises and equipment expense | $318,000 | 5,389 |
| Additional noninterest expense | $1,017,000 | 4,290 |
| Pre-tax net operating income | $1,911,000 | 3,644 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $636,000 | 3,517 |
| Income before extraordinary items | $1,275,000 | 3,755 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,275,000 | 3,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,862 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,275,000 | 3,724 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,448,000 | 5,282 |
| Total interest expense | $1,940,000 | 5,740 |
| Net interest income | $3,508,000 | 4,937 |
| Provision for loan and lease losses | $170,000 | 3,353 |
| Total noninterest income | $563,000 | 4,874 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $442,000 | 3,102 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,901 |
| Total noninterest expense | $2,308,000 | 5,528 |
| Salaries and employee benefits | $903,000 | 6,610 |
| Premises and equipment expense | $286,000 | 5,920 |
| Additional noninterest expense | $1,119,000 | 4,303 |
| Pre-tax net operating income | $1,593,000 | 4,192 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $523,000 | 3,920 |
| Income before extraordinary items | $1,070,000 | 4,270 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,070,000 | 4,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,836 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,070,000 | 4,328 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,067,000 | 5,706 |
| Total interest expense | $1,846,000 | 6,219 |
| Net interest income | $3,221,000 | 5,317 |
| Provision for loan and lease losses | $151,000 | 4,610 |
| Total noninterest income | $591,000 | 5,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $401,000 | 3,432 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,825 |
| Total noninterest expense | $2,173,000 | 5,920 |
| Salaries and employee benefits | $899,000 | 6,720 |
| Premises and equipment expense | $228,000 | 7,133 |
| Additional noninterest expense | $1,046,000 | 4,735 |
| Pre-tax net operating income | $1,488,000 | 4,350 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $479,000 | 4,340 |
| Income before extraordinary items | $1,009,000 | 4,667 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,009,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 6,048 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,009,000 | 4,435 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,270,000 | 6,117 |
| Total interest expense | $2,233,000 | 6,552 |
| Net interest income | $3,037,000 | 5,655 |
| Provision for loan and lease losses | $219,000 | 4,999 |
| Total noninterest income | $557,000 | 5,246 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $403,000 | 3,458 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 6,548 |
| Total noninterest expense | $2,051,000 | 6,248 |
| Salaries and employee benefits | $896,000 | 6,650 |
| Premises and equipment expense | $191,000 | 8,052 |
| Additional noninterest expense | $964,000 | 5,207 |
| Pre-tax net operating income | $1,324,000 | 4,544 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $423,000 | 4,593 |
| Income before extraordinary items | $901,000 | 4,929 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $901,000 | 4,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 5,956 |
| Cash dividends | $425,000 | 3,155 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $901,000 | 4,615 |
* 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.