Home > United Bank > Income and Expense
United Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,836,000 | 1,639 |
| Total interest expense | $9,164,000 | 1,681 |
| Net interest income | $10,672,000 | 1,587 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,282,000 | 2,548 |
| Gross Fiduciary activities income | $66,000 | 1,071 |
| Service charges on deposit accounts | $763,000 | 1,665 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $453,000 | 3,170 |
| Total noninterest expense | $6,386,000 | 2,056 |
| Salaries and employee benefits | $3,396,000 | 1,967 |
| Premises and equipment expense | $671,000 | 2,876 |
| Additional noninterest expense | $2,319,000 | 1,821 |
| Pre-tax net operating income | $5,448,000 | 1,382 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $2,251,000 | 1,115 |
| Income before extraordinary items | $3,200,000 | 1,646 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,200,000 | 1,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $736,000 | 938 |
| Cash dividends | $970,000 | 2,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,198,080 | 1,583 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,707,000 | 1,770 |
| Total interest expense | $8,229,000 | 1,874 |
| Net interest income | $10,478,000 | 1,662 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $1,155,000 | 2,719 |
| Gross Fiduciary activities income | $61,000 | 1,141 |
| Service charges on deposit accounts | $783,000 | 1,655 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $311,000 | 3,838 |
| Total noninterest expense | $6,289,000 | 2,057 |
| Salaries and employee benefits | $3,284,000 | 1,999 |
| Premises and equipment expense | $652,000 | 2,927 |
| Additional noninterest expense | $2,353,000 | 1,806 |
| Pre-tax net operating income | $5,104,000 | 1,517 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $2,152,000 | 1,240 |
| Income before extraordinary items | $2,955,000 | 1,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,955,000 | 1,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,272 |
| Cash dividends | $1,055,000 | 2,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,953,080 | 1,752 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,975,000 | 1,777 |
| Total interest expense | $8,349,000 | 1,883 |
| Net interest income | $10,626,000 | 1,663 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,010,000 | 3,099 |
| Gross Fiduciary activities income | $54,000 | 1,221 |
| Service charges on deposit accounts | $688,000 | 1,975 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $268,000 | 4,349 |
| Total noninterest expense | $6,191,000 | 2,218 |
| Salaries and employee benefits | $3,266,000 | 2,027 |
| Premises and equipment expense | $685,000 | 2,861 |
| Additional noninterest expense | $2,240,000 | 2,222 |
| Pre-tax net operating income | $5,445,000 | 1,309 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $2,331,000 | 1,072 |
| Income before extraordinary items | $3,117,000 | 1,601 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,117,000 | 1,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,373 |
| Cash dividends | $7,330,000 | 528 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,115,080 | 1,567 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,557,000 | 1,824 |
| Total interest expense | $7,910,000 | 1,983 |
| Net interest income | $10,647,000 | 1,677 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $931,000 | 3,275 |
| Gross Fiduciary activities income | $15,000 | 1,435 |
| Service charges on deposit accounts | $604,000 | 2,255 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $312,000 | 3,911 |
| Total noninterest expense | $6,150,000 | 2,213 |
| Salaries and employee benefits | $3,089,000 | 2,141 |
| Premises and equipment expense | $651,000 | 3,002 |
| Additional noninterest expense | $2,410,000 | 2,061 |
| Pre-tax net operating income | $5,428,000 | 1,410 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $2,287,000 | 1,120 |
| Income before extraordinary items | $3,144,000 | 1,622 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,144,000 | 1,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,261 |
| Cash dividends | $800,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,142,080 | 1,597 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,102,000 | 1,915 |
| Total interest expense | $6,280,000 | 1,991 |
| Net interest income | $9,822,000 | 1,840 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,097,000 | 2,912 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $565,000 | 2,411 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $532,000 | 2,842 |
| Total noninterest expense | $6,197,000 | 2,277 |
| Salaries and employee benefits | $3,071,000 | 2,159 |
| Premises and equipment expense | $643,000 | 3,063 |
| Additional noninterest expense | $2,483,000 | 2,146 |
| Pre-tax net operating income | $4,722,000 | 1,543 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $1,977,000 | 1,217 |
| Income before extraordinary items | $2,750,000 | 1,773 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,750,000 | 1,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,664 |
| Cash dividends | $213,000 | 5,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,746,800 | 1,782 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,471,000 | 2,033 |
| Total interest expense | $6,425,000 | 2,009 |
| Net interest income | $9,046,000 | 1,998 |
| Provision for loan and lease losses | $153,000 | 4,591 |
| Total noninterest income | $1,117,000 | 3,077 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $583,000 | 2,356 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $534,000 | 3,122 |
| Total noninterest expense | $5,897,000 | 2,427 |
| Salaries and employee benefits | $2,825,000 | 2,356 |
| Premises and equipment expense | $613,000 | 3,261 |
| Additional noninterest expense | $2,459,000 | 2,266 |
| Pre-tax net operating income | $4,113,000 | 1,683 |
| Securities gains (losses) | $102,000 | 2,479 |
| Applicable income taxes | $1,814,000 | 1,314 |
| Income before extraordinary items | $2,401,000 | 2,080 |
| Extraordinary gains, net | $100,000 | 1,558 |
| Net income | $2,501,000 | 2,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 6,011 |
| Cash dividends | $347,000 | 4,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,335,720 | 2,017 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,512,000 | 2,149 |
| Total interest expense | $8,030,000 | 2,119 |
| Net interest income | $8,482,000 | 2,146 |
| Provision for loan and lease losses | $1,930,000 | 1,186 |
| Total noninterest income | $854,000 | 3,784 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $510,000 | 2,716 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $344,000 | 4,083 |
| Total noninterest expense | $5,425,000 | 2,659 |
| Salaries and employee benefits | $2,339,000 | 2,774 |
| Premises and equipment expense | $687,000 | 2,969 |
| Additional noninterest expense | $2,399,000 | 2,401 |
| Pre-tax net operating income | $1,981,000 | 3,131 |
| Securities gains (losses) | $383,000 | 1,322 |
| Applicable income taxes | $1,100,000 | 1,934 |
| Income before extraordinary items | $1,264,000 | 3,636 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,264,000 | 3,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $482,000 | 2,520 |
| Cash dividends | $346,000 | 3,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,018,880 | 4,104 |
* 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.