Home > United Bank and Trust > Income and Expense
United Bank and Trust, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,901,000 | 3,953 |
| Total interest expense | $3,603,000 | 3,946 |
| Net interest income | $4,298,000 | 3,928 |
| Provision for loan and lease losses | $341,000 | 2,409 |
| Total noninterest income | $969,000 | 3,165 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $766,000 | 1,733 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $203,000 | 4,910 |
| Total noninterest expense | $4,117,000 | 3,230 |
| Salaries and employee benefits | $1,966,000 | 3,499 |
| Premises and equipment expense | $161,000 | 7,475 |
| Additional noninterest expense | $1,990,000 | 2,198 |
| Pre-tax net operating income | $809,000 | 5,892 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $350,000 | 4,472 |
| Income before extraordinary items | $459,000 | 6,647 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $459,000 | 6,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,172,000 | 641 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $459,000 | 6,623 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,807,000 | 2,745 |
| Total interest expense | $5,961,000 | 2,539 |
| Net interest income | $5,846,000 | 2,951 |
| Provision for loan and lease losses | $323,000 | 2,452 |
| Total noninterest income | $1,056,000 | 2,966 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $898,000 | 1,399 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $158,000 | 5,537 |
| Total noninterest expense | $4,269,000 | 3,041 |
| Salaries and employee benefits | $2,532,000 | 2,673 |
| Premises and equipment expense | $267,000 | 5,734 |
| Additional noninterest expense | $1,470,000 | 2,833 |
| Pre-tax net operating income | $2,310,000 | 2,978 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $770,000 | 2,822 |
| Income before extraordinary items | $1,540,000 | 3,191 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,540,000 | 3,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,492 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,540,000 | 3,099 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,092,000 | 3,207 |
| Total interest expense | $5,266,000 | 2,842 |
| Net interest income | $4,826,000 | 3,611 |
| Provision for loan and lease losses | $499,000 | 1,785 |
| Total noninterest income | $745,000 | 3,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $635,000 | 2,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,518 |
| Total noninterest expense | $3,393,000 | 3,709 |
| Salaries and employee benefits | $2,015,000 | 3,281 |
| Premises and equipment expense | $202,000 | 6,803 |
| Additional noninterest expense | $1,176,000 | 3,414 |
| Pre-tax net operating income | $1,679,000 | 4,074 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $568,000 | 3,841 |
| Income before extraordinary items | $1,111,000 | 4,328 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,111,000 | 4,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,148 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,111,000 | 4,260 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,486,000 | 4,295 |
| Total interest expense | $3,848,000 | 3,851 |
| Net interest income | $3,638,000 | 4,672 |
| Provision for loan and lease losses | $401,000 | 2,074 |
| Total noninterest income | $623,000 | 4,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $502,000 | 2,716 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,566 |
| Total noninterest expense | $2,766,000 | 4,604 |
| Salaries and employee benefits | $1,602,000 | 4,063 |
| Premises and equipment expense | $209,000 | 6,873 |
| Additional noninterest expense | $955,000 | 4,577 |
| Pre-tax net operating income | $1,094,000 | 5,431 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $122,000 | 8,364 |
| Income before extraordinary items | $972,000 | 4,610 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $972,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 2,282 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $972,000 | 4,553 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,431,000 | 5,638 |
| Total interest expense | $2,874,000 | 4,950 |
| Net interest income | $2,557,000 | 6,211 |
| Provision for loan and lease losses | $218,000 | 2,861 |
| Total noninterest income | $381,000 | 6,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,434 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,497 |
| Total noninterest expense | $1,795,000 | 6,473 |
| Salaries and employee benefits | $1,038,000 | 5,863 |
| Premises and equipment expense | $91,000 | 9,885 |
| Additional noninterest expense | $666,000 | 6,084 |
| Pre-tax net operating income | $925,000 | 6,301 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $245,000 | 6,720 |
| Income before extraordinary items | $680,000 | 6,119 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $680,000 | 6,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,247 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $680,000 | 6,090 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 7,927 |
| Total interest expense | $1,310,000 | 7,517 |
| Net interest income | $1,765,000 | 8,134 |
| Provision for loan and lease losses | $161,000 | 3,456 |
| Total noninterest income | $247,000 | 8,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 6,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,009 |
| Total noninterest expense | $1,303,000 | 8,226 |
| Salaries and employee benefits | $692,000 | 7,942 |
| Premises and equipment expense | $80,000 | 10,655 |
| Additional noninterest expense | $531,000 | 7,591 |
| Pre-tax net operating income | $548,000 | 8,326 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $104,000 | 9,268 |
| Income before extraordinary items | $444,000 | 7,774 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $444,000 | 7,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,490 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $444,000 | 7,814 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,163,000 | 9,859 |
| Total interest expense | $866,000 | 9,712 |
| Net interest income | $1,297,000 | 9,743 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $194,000 | 9,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,694 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,182 |
| Total noninterest expense | $1,084,000 | 9,384 |
| Salaries and employee benefits | $466,000 | 9,983 |
| Premises and equipment expense | $157,000 | 8,726 |
| Additional noninterest expense | $461,000 | 8,605 |
| Pre-tax net operating income | $347,000 | 9,832 |
| Securities gains (losses) | $-8,000 | 12,705 |
| Applicable income taxes | $44,000 | 11,072 |
| Income before extraordinary items | $295,000 | 9,542 |
| Extraordinary gains, net | $76,000 | 1,827 |
| Net income | $371,000 | 8,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,983 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $301,960 | 9,206 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,800,000 | 11,307 |
| Total interest expense | $711,000 | 11,752 |
| Net interest income | $1,089,000 | 10,734 |
| Provision for loan and lease losses | $160,000 | 5,897 |
| Total noninterest income | $151,000 | 10,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 8,216 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,988 |
| Total noninterest expense | $1,095,000 | 9,536 |
| Salaries and employee benefits | $392,000 | 10,964 |
| Premises and equipment expense | $227,000 | 7,234 |
| Additional noninterest expense | $476,000 | 8,683 |
| Pre-tax net operating income | $-15,000 | 12,778 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-12,000 | 12,924 |
| Extraordinary gains, net | $87,000 | 792 |
| Net income | $75,000 | 12,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-15,000 | 12,727 |
* 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.