Home > United Bank of the Gulf Coast > Income and Expense
United Bank of the Gulf Coast, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,595,000 | 3,963 |
| Total interest expense | $1,258,000 | 3,506 |
| Net interest income | $2,337,000 | 4,135 |
| Provision for loan and lease losses | $270,000 | 1,671 |
| Total noninterest income | $50,000 | 7,967 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $21,000 | 7,247 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $29,000 | 7,234 |
| Total noninterest expense | $1,760,000 | 4,219 |
| Salaries and employee benefits | $874,000 | 4,519 |
| Premises and equipment expense | $432,000 | 2,650 |
| Additional noninterest expense | $454,000 | 4,697 |
| Pre-tax net operating income | $357,000 | 6,251 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $145,000 | 4,297 |
| Income before extraordinary items | $212,000 | 6,837 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $212,000 | 6,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $212,000 | 6,787 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,752,000 | 3,998 |
| Total interest expense | $586,000 | 3,571 |
| Net interest income | $1,166,000 | 4,155 |
| Provision for loan and lease losses | $135,000 | 1,592 |
| Total noninterest income | $24,000 | 8,024 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $10,000 | 7,294 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,363 |
| Total noninterest expense | $965,000 | 3,950 |
| Salaries and employee benefits | $442,000 | 4,503 |
| Premises and equipment expense | $282,000 | 2,122 |
| Additional noninterest expense | $241,000 | 4,475 |
| Pre-tax net operating income | $90,000 | 7,371 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $38,000 | 5,097 |
| Income before extraordinary items | $52,000 | 7,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $52,000 | 7,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $52,000 | 7,707 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,319,000 | 4,648 |
| Total interest expense | $1,758,000 | 4,041 |
| Net interest income | $3,561,000 | 4,850 |
| Provision for loan and lease losses | $300,000 | 2,900 |
| Total noninterest income | $67,000 | 8,428 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $34,000 | 7,505 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $33,000 | 7,887 |
| Total noninterest expense | $2,601,000 | 5,161 |
| Salaries and employee benefits | $1,324,000 | 5,370 |
| Premises and equipment expense | $562,000 | 3,734 |
| Additional noninterest expense | $715,000 | 5,452 |
| Pre-tax net operating income | $727,000 | 6,023 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $287,000 | 4,239 |
| Income before extraordinary items | $440,000 | 6,593 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $440,000 | 6,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,856 |
| Cash dividends | $265,000 | 4,532 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 764 |
| Net operating income | $440,000 | 6,537 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,822,000 | 4,766 |
| Total interest expense | $1,277,000 | 4,090 |
| Net interest income | $2,545,000 | 4,999 |
| Provision for loan and lease losses | $230,000 | 2,721 |
| Total noninterest income | $45,000 | 8,550 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $23,000 | 7,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 7,981 |
| Total noninterest expense | $1,990,000 | 5,054 |
| Salaries and employee benefits | $1,050,000 | 5,133 |
| Premises and equipment expense | $405,000 | 3,839 |
| Additional noninterest expense | $535,000 | 5,428 |
| Pre-tax net operating income | $370,000 | 6,878 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $147,000 | 4,877 |
| Income before extraordinary items | $223,000 | 7,349 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $223,000 | 7,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $50,000 | 4,981 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 622 |
| Net operating income | $223,000 | 7,290 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,460,000 | 4,896 |
| Total interest expense | $842,000 | 4,125 |
| Net interest income | $1,618,000 | 5,163 |
| Provision for loan and lease losses | $180,000 | 2,366 |
| Total noninterest income | $28,000 | 8,640 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $14,000 | 7,676 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,000 | 8,074 |
| Total noninterest expense | $1,355,000 | 4,998 |
| Salaries and employee benefits | $743,000 | 4,960 |
| Premises and equipment expense | $263,000 | 3,917 |
| Additional noninterest expense | $349,000 | 5,517 |
| Pre-tax net operating income | $111,000 | 7,838 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $45,000 | 5,735 |
| Income before extraordinary items | $66,000 | 8,107 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $66,000 | 8,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $50,000 | 4,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $66,000 | 8,049 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,223,000 | 4,938 |
| Total interest expense | $428,000 | 4,124 |
| Net interest income | $795,000 | 5,232 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $14,000 | 8,663 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $687,000 | 4,977 |
| Salaries and employee benefits | $384,000 | 4,881 |
| Premises and equipment expense | $131,000 | 3,970 |
| Additional noninterest expense | $172,000 | 5,571 |
| Pre-tax net operating income | $2,000 | 8,516 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $0 | 8,589 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $0 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $0 | 8,537 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,021,000 | 5,625 |
| Total interest expense | $1,523,000 | 4,820 |
| Net interest income | $2,498,000 | 5,905 |
| Provision for loan and lease losses | $230,000 | 3,756 |
| Total noninterest income | $56,000 | 8,741 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $32,000 | 7,690 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $24,000 | 8,305 |
| Total noninterest expense | $1,664,000 | 6,585 |
| Salaries and employee benefits | $755,000 | 7,093 |
| Premises and equipment expense | $448,000 | 4,377 |
| Additional noninterest expense | $461,000 | 6,783 |
| Pre-tax net operating income | $660,000 | 6,133 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $257,000 | 4,527 |
| Income before extraordinary items | $403,000 | 6,804 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $403,000 | 6,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,260 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 762 |
| Net operating income | $403,000 | 6,643 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,746,000 | 5,976 |
| Total interest expense | $1,069,000 | 5,184 |
| Net interest income | $1,677,000 | 6,303 |
| Provision for loan and lease losses | $110,000 | 4,499 |
| Total noninterest income | $39,000 | 8,851 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $23,000 | 7,775 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,000 | 8,420 |
| Total noninterest expense | $1,151,000 | 6,822 |
| Salaries and employee benefits | $535,000 | 7,208 |
| Premises and equipment expense | $312,000 | 4,591 |
| Additional noninterest expense | $304,000 | 7,104 |
| Pre-tax net operating income | $455,000 | 6,481 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $179,000 | 4,831 |
| Income before extraordinary items | $276,000 | 7,082 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $276,000 | 7,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $276,000 | 6,919 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,516,000 | 6,614 |
| Total interest expense | $611,000 | 5,781 |
| Net interest income | $905,000 | 6,933 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $25,000 | 8,890 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $14,000 | 7,828 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $11,000 | 8,392 |
| Total noninterest expense | $632,000 | 7,355 |
| Salaries and employee benefits | $281,000 | 7,847 |
| Premises and equipment expense | $189,000 | 4,885 |
| Additional noninterest expense | $162,000 | 7,614 |
| Pre-tax net operating income | $238,000 | 6,920 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $93,000 | 5,224 |
| Income before extraordinary items | $145,000 | 7,491 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $145,000 | 7,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $145,000 | 7,308 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $345,000 | 8,410 |
| Total interest expense | $159,000 | 7,633 |
| Net interest income | $186,000 | 8,656 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $6,000 | 9,110 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $156,000 | 8,683 |
| Salaries and employee benefits | $74,000 | 8,864 |
| Premises and equipment expense | $43,000 | 7,175 |
| Additional noninterest expense | $39,000 | 8,811 |
| Pre-tax net operating income | $6,000 | 8,626 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $4,000 | 8,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,000 | 8,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,000 | 8,609 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,822,000 | 6,050 |
| Total interest expense | $1,876,000 | 5,021 |
| Net interest income | $1,946,000 | 6,709 |
| Provision for loan and lease losses | $405,000 | 2,800 |
| Total noninterest income | $54,000 | 8,926 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $35,000 | 7,776 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $19,000 | 8,582 |
| Total noninterest expense | $1,474,000 | 6,894 |
| Salaries and employee benefits | $752,000 | 7,068 |
| Premises and equipment expense | $316,000 | 5,403 |
| Additional noninterest expense | $406,000 | 7,117 |
| Pre-tax net operating income | $121,000 | 8,241 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $46,000 | 6,595 |
| Income before extraordinary items | $75,000 | 8,440 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $75,000 | 8,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,649 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $75,000 | 8,350 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,641,000 | 8,588 |
| Total interest expense | $1,131,000 | 7,746 |
| Net interest income | $510,000 | 9,171 |
| Provision for loan and lease losses | $27,000 | 7,336 |
| Total noninterest income | $34,000 | 9,324 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $25,000 | 8,061 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $9,000 | 9,168 |
| Total noninterest expense | $1,037,000 | 7,860 |
| Salaries and employee benefits | $552,000 | 7,914 |
| Premises and equipment expense | $225,000 | 6,420 |
| Additional noninterest expense | $260,000 | 8,136 |
| Pre-tax net operating income | $-520,000 | 9,175 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-185,000 | 9,364 |
| Income before extraordinary items | $-335,000 | 9,147 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-335,000 | 9,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-335,000 | 9,098 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,605,000 | 8,839 |
| Total interest expense | $811,000 | 8,619 |
| Net interest income | $794,000 | 8,916 |
| Provision for loan and lease losses | $388,000 | 2,334 |
| Total noninterest income | $76,000 | 8,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,368 |
| Total noninterest expense | $1,277,000 | 7,312 |
| Salaries and employee benefits | $554,000 | 7,948 |
| Premises and equipment expense | $313,000 | 5,298 |
| Additional noninterest expense | $410,000 | 7,070 |
| Pre-tax net operating income | $-795,000 | 9,663 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $-330,000 | 9,750 |
| Income before extraordinary items | $-466,000 | 9,549 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-466,000 | 9,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,049 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 775 |
| Net operating income | $-465,360 | 9,550 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $869,000 | 9,725 |
| Total interest expense | $482,000 | 9,474 |
| Net interest income | $387,000 | 9,843 |
| Provision for loan and lease losses | $84,000 | 5,577 |
| Total noninterest income | $18,000 | 9,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 8,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,039 |
| Total noninterest expense | $1,548,000 | 6,658 |
| Salaries and employee benefits | $695,000 | 7,270 |
| Premises and equipment expense | $304,000 | 5,425 |
| Additional noninterest expense | $549,000 | 6,159 |
| Pre-tax net operating income | $-1,227,000 | 10,095 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-449,000 | 10,129 |
| Income before extraordinary items | $-778,000 | 10,023 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-778,000 | 10,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,907,000 | 207 |
| Net operating income | $-778,000 | 10,012 |
* 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.