Home > United Bank of Iowa > Income and Expense

United Bank of Iowa, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,795,000	8,632
Total interest expense	$1,061,000	8,105
Net interest income	$734,000	9,030
Provision for loan and lease losses	$0	8,337
Total noninterest income	$83,000	8,830
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	7,312
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	8,999
Total noninterest expense	$868,000	8,377
Salaries and employee benefits	$401,000	8,743
Premises and equipment expense	$132,000	7,888
Additional noninterest expense	$335,000	7,676
Pre-tax net operating income	$-51,000	9,201
Securities gains (losses)	$0	1,956
Applicable income taxes	$2,000	8,274
Income before extraordinary items	$-53,000	9,211
Extraordinary gains, net	$0	38
Net income	$-53,000	9,210
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	3,940
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-53,000	9,205
1999-12-31 (YTD Data)		Rank
Total interest income	$1,269,000	9,344
Total interest expense	$561,000	9,304
Net interest income	$708,000	9,259
Provision for loan and lease losses	$-200,000	10,144
Total noninterest income	$46,000	9,643
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	8,095
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	9,868
Total noninterest expense	$577,000	9,394
Salaries and employee benefits	$245,000	9,738
Premises and equipment expense	$79,000	9,040
Additional noninterest expense	$253,000	8,534
Pre-tax net operating income	$377,000	7,702
Securities gains (losses)	$0	3,155
Applicable income taxes	$376,000	4,316
Income before extraordinary items	$1,000	9,438
Extraordinary gains, net	$0	35
Net income	$1,000	9,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-29,000	9,738
Cash dividends	$307,000	4,467
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,000	9,412
1998-12-31 (YTD Data)		Rank
Total interest income	$175,000	10,372
Total interest expense	$85,000	10,314
Net interest income	$90,000	10,391
Provision for loan and lease losses	$0	8,652
Total noninterest income	$26,000	10,144
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$4,000	8,977
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,387
Total noninterest expense	$79,000	10,442
Salaries and employee benefits	$49,000	10,425
Premises and equipment expense	$6,000	10,409
Additional noninterest expense	$24,000	10,442
Pre-tax net operating income	$37,000	9,664
Securities gains (losses)	$0	4,449
Applicable income taxes	$-245,000	10,335
Income before extraordinary items	$282,000	8,023
Extraordinary gains, net	$0	32
Net income	$282,000	8,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$158,000	2,831
Cash dividends	$1,000,000	2,191
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$282,000	7,944
1997-12-31 (YTD Data)		Rank
Total interest income	$1,142,000	10,145
Total interest expense	$507,000	10,086
Net interest income	$635,000	10,105
Provision for loan and lease losses	$0	8,829
Total noninterest income	$43,000	10,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,106
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,735
Total noninterest expense	$396,000	10,485
Salaries and employee benefits	$233,000	10,379
Premises and equipment expense	$60,000	9,951
Additional noninterest expense	$103,000	10,517
Pre-tax net operating income	$282,000	9,107
Securities gains (losses)	$0	3,944
Applicable income taxes	$94,000	8,505
Income before extraordinary items	$188,000	9,266
Extraordinary gains, net	$0	44
Net income	$188,000	9,269
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,879
Cash dividends	$15,000	7,671
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$188,000	9,218
1996-12-31 (YTD Data)		Rank
Total interest income	$1,110,000	10,658
Total interest expense	$520,000	10,537
Net interest income	$590,000	10,683
Provision for loan and lease losses	$10,000	8,531
Total noninterest income	$36,000	11,065
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,558
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	10,709
Total noninterest expense	$391,000	10,993
Salaries and employee benefits	$229,000	10,844
Premises and equipment expense	$54,000	10,520
Additional noninterest expense	$108,000	11,014
Pre-tax net operating income	$225,000	9,628
Securities gains (losses)	$0	4,148
Applicable income taxes	$66,000	9,389
Income before extraordinary items	$159,000	9,703
Extraordinary gains, net	$0	53
Net income	$159,000	9,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,612
Cash dividends	$15,000	8,125
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$159,000	9,640
1995-12-31 (YTD Data)		Rank
Total interest income	$977,000	11,320
Total interest expense	$477,000	11,100
Net interest income	$500,000	11,399
Provision for loan and lease losses	$159,000	3,541
Total noninterest income	$31,000	11,641
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	10,011
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	11,437
Total noninterest expense	$366,000	11,544
Salaries and employee benefits	$209,000	11,442
Premises and equipment expense	$56,000	10,906
Additional noninterest expense	$101,000	11,605
Pre-tax net operating income	$6,000	11,443
Securities gains (losses)	$0	3,831
Applicable income taxes	$-32,000	11,596
Income before extraordinary items	$38,000	11,352
Extraordinary gains, net	$0	65
Net income	$38,000	11,350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,217
Cash dividends	$15,000	8,467
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$38,000	11,317
1994-12-31 (YTD Data)		Rank
Total interest income	$953,000	11,797
Total interest expense	$392,000	11,625
Net interest income	$561,000	11,828
Provision for loan and lease losses	$103,000	4,489
Total noninterest income	$60,000	11,716
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	10,567
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,081
Total noninterest expense	$339,000	12,242
Salaries and employee benefits	$192,000	12,117
Premises and equipment expense	$66,000	11,093
Additional noninterest expense	$81,000	12,426
Pre-tax net operating income	$179,000	11,065
Securities gains (losses)	$-6,000	9,509
Applicable income taxes	$43,000	10,643
Income before extraordinary items	$130,000	11,059
Extraordinary gains, net	$0	249
Net income	$130,000	11,065
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$90,000	3,917
Cash dividends	$15,000	8,673
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$134,500	11,066
1993-12-31 (YTD Data)		Rank
Total interest income	$1,015,000	12,254
Total interest expense	$435,000	12,041
Net interest income	$580,000	12,293
Provision for loan and lease losses	$110,000	5,504
Total noninterest income	$67,000	12,150
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$11,000	11,187
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	9,758
Total noninterest expense	$326,000	12,903
Salaries and employee benefits	$204,000	12,599
Premises and equipment expense	$57,000	11,958
Additional noninterest expense	$65,000	13,158
Pre-tax net operating income	$211,000	10,949
Securities gains (losses)	$0	7,477
Applicable income taxes	$77,000	10,286
Income before extraordinary items	$134,000	11,403
Extraordinary gains, net	$0	3,149
Net income	$134,000	11,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	6,866
Cash dividends	$15,000	8,780
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$134,000	11,193
1992-12-31 (YTD Data)		Rank
Total interest income	$1,110,000	12,806
Total interest expense	$550,000	12,531
Net interest income	$560,000	12,880
Provision for loan and lease losses	$60,000	8,535
Total noninterest income	$87,000	12,070
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$11,000	11,579
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	9,018
Total noninterest expense	$302,000	13,555
Salaries and employee benefits	$178,000	13,339
Premises and equipment expense	$59,000	12,326
Additional noninterest expense	$65,000	13,770
Pre-tax net operating income	$285,000	10,281
Securities gains (losses)	$0	8,369
Applicable income taxes	$100,000	9,918
Income before extraordinary items	$185,000	10,806
Extraordinary gains, net	$0	1,422
Net income	$185,000	10,912
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	8,662
Cash dividends	$15,000	8,575
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$185,000	10,467

* 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.