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United Bank Texas, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$9,207,000	3,558
Total interest expense	$3,809,000	3,955
Net interest income	$5,398,000	3,224
Provision for loan and lease losses	$240,000	3,705
Total noninterest income	$2,363,000	1,770
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,759,000	842
Trading account gains and fees	$0	177
Additional Noninterest Income	$604,000	2,818
Total noninterest expense	$5,354,000	2,642
Salaries and employee benefits	$3,024,000	2,489
Premises and equipment expense	$779,000	2,701
Additional noninterest expense	$1,551,000	2,794
Pre-tax net operating income	$2,167,000	2,996
Securities gains (losses)	$126,000	1,562
Applicable income taxes	$545,000	3,167
Income before extraordinary items	$1,748,000	2,867
Extraordinary gains, net	$0	105
Net income	$1,748,000	2,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$142,000	3,463
Cash dividends	$1,000,000	2,212
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,652,240	2,898
2000-12-31 (YTD Data)		Rank
Total interest income	$8,644,000	3,878
Total interest expense	$3,706,000	4,209
Net interest income	$4,938,000	3,513
Provision for loan and lease losses	$78,000	5,810
Total noninterest income	$1,964,000	1,902
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,546,000	873
Trading account gains and fees	$0	180
Additional Noninterest Income	$418,000	3,239
Total noninterest expense	$5,348,000	2,544
Salaries and employee benefits	$2,865,000	2,491
Premises and equipment expense	$746,000	2,731
Additional noninterest expense	$1,737,000	2,470
Pre-tax net operating income	$1,476,000	4,110
Securities gains (losses)	$-39,000	9,081
Applicable income taxes	$291,000	4,654
Income before extraordinary items	$1,146,000	3,985
Extraordinary gains, net	$0	38
Net income	$1,146,000	3,987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,555
Cash dividends	$300,000	4,469
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,177,200	3,901
1999-12-31 (YTD Data)		Rank
Total interest income	$6,564,000	4,635
Total interest expense	$2,818,000	4,829
Net interest income	$3,746,000	4,415
Provision for loan and lease losses	$0	8,503
Total noninterest income	$1,459,000	2,343
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,092,000	1,219
Trading account gains and fees	$0	173
Additional Noninterest Income	$367,000	3,601
Total noninterest expense	$3,955,000	3,340
Salaries and employee benefits	$2,245,000	3,097
Premises and equipment expense	$631,000	3,121
Additional noninterest expense	$1,079,000	3,766
Pre-tax net operating income	$1,250,000	4,647
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$165,000	6,093
Income before extraordinary items	$1,088,000	4,181
Extraordinary gains, net	$0	35
Net income	$1,088,000	4,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,930
Cash dividends	$650,000	3,008
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,085,390	4,147
1998-12-31 (YTD Data)		Rank
Total interest income	$4,089,000	6,415
Total interest expense	$1,886,000	6,380
Net interest income	$2,203,000	6,283
Provision for loan and lease losses	$90,000	5,311
Total noninterest income	$627,000	4,260
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$509,000	2,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	6,242
Total noninterest expense	$2,558,000	4,694
Salaries and employee benefits	$1,360,000	4,596
Premises and equipment expense	$340,000	4,977
Additional noninterest expense	$858,000	4,449
Pre-tax net operating income	$182,000	9,000
Securities gains (losses)	$-19,000	10,284
Applicable income taxes	$-25,000	10,072
Income before extraordinary items	$188,000	8,701
Extraordinary gains, net	$0	32
Net income	$188,000	8,700
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$159,000	2,822
Cash dividends	$1,800,000	1,452
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$207,000	8,486
1997-12-31 (YTD Data)		Rank
Total interest income	$4,011,000	6,654
Total interest expense	$1,741,000	6,799
Net interest income	$2,270,000	6,410
Provision for loan and lease losses	$55,000	6,469
Total noninterest income	$454,000	5,297
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$382,000	3,351
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	7,635
Total noninterest expense	$1,982,000	5,692
Salaries and employee benefits	$1,101,000	5,467
Premises and equipment expense	$280,000	5,660
Additional noninterest expense	$601,000	5,801
Pre-tax net operating income	$687,000	7,026
Securities gains (losses)	$20,000	1,883
Applicable income taxes	$179,000	7,191
Income before extraordinary items	$528,000	6,809
Extraordinary gains, net	$0	44
Net income	$528,000	6,812
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,367
Cash dividends	$40,000	7,339
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$513,000	6,826
1996-12-31 (YTD Data)		Rank
Total interest income	$3,951,000	6,912
Total interest expense	$1,743,000	6,973
Net interest income	$2,208,000	6,753
Provision for loan and lease losses	$15,000	8,204
Total noninterest income	$501,000	5,145
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$378,000	3,501
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	6,525
Total noninterest expense	$1,909,000	6,140
Salaries and employee benefits	$1,081,000	5,654
Premises and equipment expense	$262,000	6,077
Additional noninterest expense	$566,000	6,572
Pre-tax net operating income	$785,000	6,562
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$212,000	6,957
Income before extraordinary items	$574,000	6,438
Extraordinary gains, net	$0	53
Net income	$574,000	6,441
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	10,393
Cash dividends	$256,000	4,895
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$573,270	6,366
1995-12-31 (YTD Data)		Rank
Total interest income	$3,929,000	7,079
Total interest expense	$1,676,000	7,202
Net interest income	$2,253,000	6,776
Provision for loan and lease losses	$0	8,958
Total noninterest income	$417,000	5,829
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$295,000	4,351
Trading account gains and fees	NA	NA
Additional Noninterest Income	$122,000	6,598
Total noninterest expense	$1,926,000	6,164
Salaries and employee benefits	$1,034,000	5,888
Premises and equipment expense	$274,000	6,002
Additional noninterest expense	$618,000	6,413
Pre-tax net operating income	$744,000	7,094
Securities gains (losses)	$-23,000	10,647
Applicable income taxes	$189,000	7,616
Income before extraordinary items	$532,000	7,015
Extraordinary gains, net	$0	65
Net income	$532,000	7,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	6,055
Cash dividends	$146,000	6,150
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$549,020	6,881
1994-12-31 (YTD Data)		Rank
Total interest income	$3,643,000	7,140
Total interest expense	$1,397,000	7,213
Net interest income	$2,246,000	6,982
Provision for loan and lease losses	$32,000	7,014
Total noninterest income	$468,000	5,529
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$261,000	4,878
Trading account gains and fees	NA	NA
Additional Noninterest Income	$207,000	5,150
Total noninterest expense	$2,064,000	6,038
Salaries and employee benefits	$975,000	6,208
Premises and equipment expense	$254,000	6,450
Additional noninterest expense	$835,000	5,502
Pre-tax net operating income	$618,000	7,904
Securities gains (losses)	$0	3,600
Applicable income taxes	$146,000	8,391
Income before extraordinary items	$472,000	7,523
Extraordinary gains, net	$0	249
Net income	$472,000	7,529
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	10,986
Cash dividends	$155,000	6,003
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$472,000	7,564
1993-12-31 (YTD Data)		Rank
Total interest income	$3,550,000	7,459
Total interest expense	$1,415,000	7,490
Net interest income	$2,135,000	7,342
Provision for loan and lease losses	$-23,000	12,601
Total noninterest income	$233,000	8,661
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$154,000	6,986
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,670
Total noninterest expense	$1,857,000	6,738
Salaries and employee benefits	$883,000	6,821
Premises and equipment expense	$237,000	6,945
Additional noninterest expense	$737,000	6,316
Pre-tax net operating income	$534,000	8,418
Securities gains (losses)	$0	7,477
Applicable income taxes	$118,000	9,353
Income before extraordinary items	$416,000	8,277
Extraordinary gains, net	$0	3,149
Net income	$416,000	8,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	8,555
Cash dividends	$1,563,000	1,232
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$416,000	8,002
1992-12-31 (YTD Data)		Rank
Total interest income	$3,879,000	7,670
Total interest expense	$1,764,000	7,721
Net interest income	$2,115,000	7,457
Provision for loan and lease losses	$240,000	4,686
Total noninterest income	$158,000	10,333
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	$48,000	10,527
Total noninterest expense	$1,399,000	8,297
Salaries and employee benefits	$704,000	7,952
Premises and equipment expense	$203,000	7,765
Additional noninterest expense	$492,000	8,535
Pre-tax net operating income	$634,000	7,491
Securities gains (losses)	$0	8,369
Applicable income taxes	$150,000	8,614
Income before extraordinary items	$484,000	7,472
Extraordinary gains, net	$173,000	497
Net income	$657,000	6,256
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$271,000	3,549
Cash dividends	$157,000	5,660
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$484,000	7,099

* 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.