Home > United Bank > Income and Expense
United Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,501,000 | 3,077 |
| Total interest expense | $4,432,000 | 3,282 |
| Net interest income | $6,069,000 | 2,899 |
| Provision for loan and lease losses | $1,445,000 | 729 |
| Total noninterest income | $799,000 | 3,619 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $539,000 | 2,458 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $260,000 | 4,352 |
| Total noninterest expense | $5,053,000 | 2,666 |
| Salaries and employee benefits | $1,742,000 | 3,845 |
| Premises and equipment expense | $658,000 | 3,024 |
| Additional noninterest expense | $2,653,000 | 1,680 |
| Pre-tax net operating income | $370,000 | 7,741 |
| Securities gains (losses) | $59,000 | 930 |
| Applicable income taxes | $76,000 | 7,244 |
| Income before extraordinary items | $353,000 | 7,268 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $353,000 | 7,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,338,000 | 590 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $304,620 | 7,542 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,249,000 | 3,840 |
| Total interest expense | $3,424,000 | 4,213 |
| Net interest income | $4,825,000 | 3,520 |
| Provision for loan and lease losses | $320,000 | 2,466 |
| Total noninterest income | $487,000 | 5,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 3,594 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,664 |
| Total noninterest expense | $3,138,000 | 3,955 |
| Salaries and employee benefits | $1,358,000 | 4,603 |
| Premises and equipment expense | $400,000 | 4,413 |
| Additional noninterest expense | $1,380,000 | 2,987 |
| Pre-tax net operating income | $1,854,000 | 3,549 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $619,000 | 3,323 |
| Income before extraordinary items | $1,235,000 | 3,838 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,235,000 | 3,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,318 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,235,000 | 3,748 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,289,000 | 4,870 |
| Total interest expense | $2,672,000 | 5,144 |
| Net interest income | $3,617,000 | 4,612 |
| Provision for loan and lease losses | $367,000 | 2,228 |
| Total noninterest income | $615,000 | 4,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $334,000 | 3,680 |
| Total noninterest expense | $2,426,000 | 4,892 |
| Salaries and employee benefits | $1,194,000 | 5,118 |
| Premises and equipment expense | $363,000 | 4,768 |
| Additional noninterest expense | $869,000 | 4,446 |
| Pre-tax net operating income | $1,439,000 | 4,645 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $474,000 | 4,374 |
| Income before extraordinary items | $965,000 | 4,824 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $965,000 | 4,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,153 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $965,000 | 4,765 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,414,000 | 5,596 |
| Total interest expense | $2,275,000 | 5,892 |
| Net interest income | $3,139,000 | 5,270 |
| Provision for loan and lease losses | $213,000 | 3,278 |
| Total noninterest income | $416,000 | 5,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,413 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 6,311 |
| Total noninterest expense | $2,355,000 | 5,254 |
| Salaries and employee benefits | $1,107,000 | 5,558 |
| Premises and equipment expense | $459,000 | 4,047 |
| Additional noninterest expense | $789,000 | 5,256 |
| Pre-tax net operating income | $987,000 | 5,785 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $310,000 | 5,727 |
| Income before extraordinary items | $677,000 | 5,859 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $677,000 | 5,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,458 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $677,000 | 5,806 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,923,000 | 6,056 |
| Total interest expense | $2,060,000 | 6,339 |
| Net interest income | $2,863,000 | 5,715 |
| Provision for loan and lease losses | $187,000 | 3,155 |
| Total noninterest income | $422,000 | 5,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 6,047 |
| Total noninterest expense | $2,234,000 | 5,483 |
| Salaries and employee benefits | $1,112,000 | 5,552 |
| Premises and equipment expense | $401,000 | 4,527 |
| Additional noninterest expense | $721,000 | 5,712 |
| Pre-tax net operating income | $864,000 | 6,576 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $245,000 | 6,720 |
| Income before extraordinary items | $619,000 | 6,499 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $619,000 | 6,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,963 |
| Cash dividends | $21,000 | 8,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $619,000 | 6,489 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,364,000 | 6,291 |
| Total interest expense | $1,572,000 | 6,679 |
| Net interest income | $2,792,000 | 5,924 |
| Provision for loan and lease losses | $298,000 | 2,307 |
| Total noninterest income | $469,000 | 5,521 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,985 |
| Total noninterest expense | $2,092,000 | 5,983 |
| Salaries and employee benefits | $1,132,000 | 5,516 |
| Premises and equipment expense | $400,000 | 4,587 |
| Additional noninterest expense | $560,000 | 7,344 |
| Pre-tax net operating income | $871,000 | 6,536 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $269,000 | 6,265 |
| Income before extraordinary items | $601,000 | 6,533 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $601,000 | 6,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,273 |
| Cash dividends | $220,000 | 5,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $601,690 | 6,587 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,937,000 | 6,942 |
| Total interest expense | $1,411,000 | 7,504 |
| Net interest income | $2,526,000 | 6,493 |
| Provision for loan and lease losses | $251,000 | 3,367 |
| Total noninterest income | $430,000 | 6,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 6,042 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 5,192 |
| Total noninterest expense | $2,010,000 | 6,316 |
| Salaries and employee benefits | $1,051,000 | 5,870 |
| Premises and equipment expense | $398,000 | 4,731 |
| Additional noninterest expense | $561,000 | 7,675 |
| Pre-tax net operating income | $695,000 | 7,391 |
| Securities gains (losses) | $53,000 | 3,314 |
| Applicable income taxes | $263,000 | 6,600 |
| Income before extraordinary items | $485,000 | 7,674 |
| Extraordinary gains, net | $-9,000 | 12,296 |
| Net income | $476,000 | 7,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,984 |
| Cash dividends | $68,000 | 7,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $450,550 | 7,707 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,822,000 | 7,739 |
| Total interest expense | $1,703,000 | 7,880 |
| Net interest income | $2,119,000 | 7,447 |
| Provision for loan and lease losses | $382,000 | 3,560 |
| Total noninterest income | $400,000 | 6,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 5,322 |
| Total noninterest expense | $1,844,000 | 6,807 |
| Salaries and employee benefits | $955,000 | 6,294 |
| Premises and equipment expense | $429,000 | 4,536 |
| Additional noninterest expense | $460,000 | 8,867 |
| Pre-tax net operating income | $293,000 | 10,205 |
| Securities gains (losses) | $240,000 | 1,774 |
| Applicable income taxes | $162,000 | 8,337 |
| Income before extraordinary items | $371,000 | 8,498 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $371,000 | 8,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 3,048 |
| Cash dividends | $66,000 | 7,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $203,000 | 10,211 |
* 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.