Home > United Bank > Income and Expense
United Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,340,000 | 1,901 |
| Total interest expense | $6,992,000 | 2,153 |
| Net interest income | $10,348,000 | 1,688 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $1,536,000 | 2,157 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $720,000 | 1,805 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $816,000 | 2,006 |
| Total noninterest expense | $6,233,000 | 2,075 |
| Salaries and employee benefits | $2,365,000 | 2,798 |
| Premises and equipment expense | $1,253,000 | 1,552 |
| Additional noninterest expense | $2,615,000 | 1,636 |
| Pre-tax net operating income | $5,451,000 | 1,429 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,891,000 | 1,393 |
| Income before extraordinary items | $3,560,000 | 1,512 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,560,000 | 1,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,290 |
| Cash dividends | $1,068,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,560,000 | 1,473 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,022,000 | 4,566 |
| Total interest expense | $2,082,000 | 6,263 |
| Net interest income | $4,940,000 | 3,564 |
| Provision for loan and lease losses | $425,000 | 1,987 |
| Total noninterest income | $480,000 | 5,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,053 |
| Total noninterest expense | $3,360,000 | 3,926 |
| Salaries and employee benefits | $886,000 | 6,521 |
| Premises and equipment expense | $693,000 | 2,832 |
| Additional noninterest expense | $1,781,000 | 2,724 |
| Pre-tax net operating income | $1,635,000 | 4,056 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $535,000 | 3,931 |
| Income before extraordinary items | $1,101,000 | 4,151 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,101,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $784,000 | 1,035 |
| Cash dividends | $212,000 | 5,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,100,330 | 4,102 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,913,000 | 8,340 |
| Total interest expense | $731,000 | 10,190 |
| Net interest income | $2,182,000 | 6,908 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $177,000 | 8,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,173 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,497 |
| Total noninterest expense | $1,201,000 | 8,205 |
| Salaries and employee benefits | $349,000 | 10,341 |
| Premises and equipment expense | $424,000 | 4,314 |
| Additional noninterest expense | $428,000 | 7,924 |
| Pre-tax net operating income | $1,158,000 | 5,388 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $412,000 | 4,841 |
| Income before extraordinary items | $746,000 | 5,731 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $746,000 | 5,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,798 |
| Cash dividends | $252,000 | 4,933 |
| Sale, conversion, retirement of capital stock, net | $13,745,000 | 36 |
| Net operating income | $746,000 | 5,708 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,036,000 | 5,643 |
| Total interest expense | $1,881,000 | 5,881 |
| Net interest income | $3,155,000 | 5,381 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $468,000 | 5,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 6,215 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,238 |
| Total noninterest expense | $2,628,000 | 4,935 |
| Salaries and employee benefits | $1,418,000 | 4,506 |
| Premises and equipment expense | $347,000 | 5,109 |
| Additional noninterest expense | $863,000 | 5,368 |
| Pre-tax net operating income | $975,000 | 6,064 |
| Securities gains (losses) | $-49,000 | 11,013 |
| Applicable income taxes | $316,000 | 5,685 |
| Income before extraordinary items | $610,000 | 6,459 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $610,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,482 |
| Cash dividends | $40,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $642,340 | 6,333 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,935,000 | 5,847 |
| Total interest expense | $1,999,000 | 5,837 |
| Net interest income | $2,936,000 | 5,754 |
| Provision for loan and lease losses | $460,000 | 2,221 |
| Total noninterest income | $638,000 | 4,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $230,000 | 5,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $408,000 | 3,704 |
| Total noninterest expense | $2,598,000 | 5,101 |
| Salaries and employee benefits | $1,334,000 | 4,769 |
| Premises and equipment expense | $395,000 | 4,769 |
| Additional noninterest expense | $869,000 | 5,530 |
| Pre-tax net operating income | $516,000 | 8,557 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $201,000 | 7,594 |
| Income before extraordinary items | $315,000 | 9,302 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $315,000 | 9,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,533 |
| Cash dividends | $40,000 | 8,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $315,000 | 9,049 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,253,000 | 6,136 |
| Total interest expense | $2,390,000 | 6,201 |
| Net interest income | $2,863,000 | 5,945 |
| Provision for loan and lease losses | $694,000 | 2,388 |
| Total noninterest income | $341,000 | 7,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 6,417 |
| Total noninterest expense | $2,395,000 | 5,501 |
| Salaries and employee benefits | $1,048,000 | 5,789 |
| Premises and equipment expense | $430,000 | 4,531 |
| Additional noninterest expense | $917,000 | 5,435 |
| Pre-tax net operating income | $115,000 | 11,866 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $19,000 | 12,141 |
| Income before extraordinary items | $96,000 | 11,992 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $96,000 | 12,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $803,000 | 1,816 |
| Cash dividends | $40,000 | 7,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $96,000 | 11,694 |
* 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.