Home > United Community Bank > Income and Expense

United Community Bank, Income and Expense

2004-06-30 (YTD Data)		Rank
Total interest income	$1,161,000	7,121
Total interest expense	$293,000	7,022
Net interest income	$868,000	7,035
Provision for loan and lease losses	$23,000	5,766
Total noninterest income	$180,000	6,064
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$112,000	5,013
Trading account gains and fees	$0	130
Additional Noninterest Income	$68,000	5,903
Total noninterest expense	$1,037,000	5,889
Salaries and employee benefits	$489,000	6,360
Premises and equipment expense	$157,000	5,529
Additional noninterest expense	$391,000	5,136
Pre-tax net operating income	$-12,000	8,557
Securities gains (losses)	$3,000	2,926
Applicable income taxes	$0	7,214
Income before extraordinary items	$-9,000	8,604
Extraordinary gains, net	$0	21
Net income	$-9,000	8,605
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,933
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-12,000	8,563
2004-03-31 (YTD Data)		Rank
Total interest income	$599,000	7,080
Total interest expense	$155,000	6,964
Net interest income	$444,000	7,011
Provision for loan and lease losses	$23,000	4,653
Total noninterest income	$78,000	6,348
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$52,000	5,121
Trading account gains and fees	$0	121
Additional Noninterest Income	$26,000	6,361
Total noninterest expense	$508,000	5,990
Salaries and employee benefits	$244,000	6,417
Premises and equipment expense	$79,000	5,553
Additional noninterest expense	$185,000	5,342
Pre-tax net operating income	$-9,000	8,600
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-9,000	8,648
Extraordinary gains, net	$0	16
Net income	$-9,000	8,648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,014
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-9,000	8,591
2003-12-31 (YTD Data)		Rank
Total interest income	$2,672,000	6,872
Total interest expense	$774,000	6,791
Net interest income	$1,898,000	6,745
Provision for loan and lease losses	$1,354,000	888
Total noninterest income	$395,000	5,988
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$241,000	4,837
Trading account gains and fees	$0	160
Additional Noninterest Income	$154,000	5,780
Total noninterest expense	$2,140,000	5,768
Salaries and employee benefits	$1,063,000	6,046
Premises and equipment expense	$416,000	4,606
Additional noninterest expense	$661,000	5,684
Pre-tax net operating income	$-1,199,000	9,009
Securities gains (losses)	$4,000	3,987
Applicable income taxes	$-432,000	9,079
Income before extraordinary items	$-763,000	8,984
Extraordinary gains, net	$0	54
Net income	$-763,000	8,983
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$768,000	1,134
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-765,560	8,933
2003-09-30 (YTD Data)		Rank
Total interest income	$2,022,000	6,921
Total interest expense	$605,000	6,833
Net interest income	$1,417,000	6,802
Provision for loan and lease losses	$1,044,000	868
Total noninterest income	$312,000	5,938
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$180,000	4,876
Trading account gains and fees	$0	153
Additional Noninterest Income	$132,000	5,579
Total noninterest expense	$1,639,000	5,677
Salaries and employee benefits	$822,000	5,931
Premises and equipment expense	$329,000	4,448
Additional noninterest expense	$488,000	5,718
Pre-tax net operating income	$-954,000	9,076
Securities gains (losses)	$0	4,204
Applicable income taxes	$-224,000	9,130
Income before extraordinary items	$-730,000	9,086
Extraordinary gains, net	$0	40
Net income	$-730,000	9,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$617,000	1,001
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-730,000	9,035
2003-06-30 (YTD Data)		Rank
Total interest income	$1,413,000	6,852
Total interest expense	$426,000	6,809
Net interest income	$987,000	6,675
Provision for loan and lease losses	$704,000	874
Total noninterest income	$162,000	6,467
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$142,000	4,419
Trading account gains and fees	$0	150
Additional Noninterest Income	$20,000	7,844
Total noninterest expense	$1,203,000	5,325
Salaries and employee benefits	$578,000	5,739
Premises and equipment expense	$245,000	4,111
Additional noninterest expense	$380,000	5,197
Pre-tax net operating income	$-758,000	9,129
Securities gains (losses)	$0	3,782
Applicable income taxes	$-224,000	9,185
Income before extraordinary items	$-534,000	9,141
Extraordinary gains, net	$0	30
Net income	$-534,000	9,139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$658,000	702
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-534,000	9,084
2003-03-31 (YTD Data)		Rank
Total interest income	$716,000	6,843
Total interest expense	$207,000	6,979
Net interest income	$509,000	6,597
Provision for loan and lease losses	$41,000	4,084
Total noninterest income	$83,000	6,334
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$65,000	4,539
Trading account gains and fees	$0	134
Additional Noninterest Income	$18,000	7,075
Total noninterest expense	$529,000	5,807
Salaries and employee benefits	$271,000	5,968
Premises and equipment expense	$91,000	5,012
Additional noninterest expense	$167,000	5,597
Pre-tax net operating income	$22,000	8,426
Securities gains (losses)	$0	2,891
Applicable income taxes	$-3,000	9,011
Income before extraordinary items	$25,000	8,388
Extraordinary gains, net	$0	21
Net income	$25,000	8,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	1,904
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$25,000	8,263
2002-12-31 (YTD Data)		Rank
Total interest income	$3,392,000	6,451
Total interest expense	$1,078,000	6,730
Net interest income	$2,314,000	6,155
Provision for loan and lease losses	$318,000	3,313
Total noninterest income	$441,000	5,542
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$325,000	4,052
Trading account gains and fees	$0	153
Additional Noninterest Income	$116,000	6,134
Total noninterest expense	$2,157,000	5,600
Salaries and employee benefits	$1,014,000	6,093
Premises and equipment expense	$352,000	5,080
Additional noninterest expense	$791,000	4,962
Pre-tax net operating income	$280,000	7,625
Securities gains (losses)	$0	4,537
Applicable income taxes	$52,000	6,502
Income before extraordinary items	$228,000	7,686
Extraordinary gains, net	$0	70
Net income	$228,000	7,685
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$367,000	2,071
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$228,000	7,591
2001-12-31 (YTD Data)		Rank
Total interest income	$4,373,000	6,045
Total interest expense	$2,001,000	6,096
Net interest income	$2,372,000	5,895
Provision for loan and lease losses	$726,000	1,617
Total noninterest income	$410,000	5,610
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$275,000	4,394
Trading account gains and fees	$0	177
Additional Noninterest Income	$135,000	5,740
Total noninterest expense	$2,208,000	5,380
Salaries and employee benefits	$868,000	6,504
Premises and equipment expense	$454,000	4,209
Additional noninterest expense	$886,000	4,459
Pre-tax net operating income	$-152,000	8,916
Securities gains (losses)	$2,000	4,242
Applicable income taxes	$-41,000	9,142
Income before extraordinary items	$-109,000	8,963
Extraordinary gains, net	$0	105
Net income	$-109,000	8,962
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$817,000	1,087
Cash dividends	$157,000	5,268
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-110,460	8,913
2000-12-31 (YTD Data)		Rank
Total interest income	$5,105,000	5,661
Total interest expense	$2,504,000	5,554
Net interest income	$2,601,000	5,663
Provision for loan and lease losses	$145,000	4,470
Total noninterest income	$507,000	4,890
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$315,000	3,918
Trading account gains and fees	NA	NA
Additional Noninterest Income	$192,000	4,897
Total noninterest expense	$2,173,000	5,384
Salaries and employee benefits	$1,133,000	5,443
Premises and equipment expense	$317,000	5,254
Additional noninterest expense	$723,000	5,062
Pre-tax net operating income	$790,000	5,901
Securities gains (losses)	$0	1,956
Applicable income taxes	$203,000	5,351
Income before extraordinary items	$587,000	5,909
Extraordinary gains, net	$0	38
Net income	$587,000	5,908
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$347,000	1,640
Cash dividends	$651,000	3,052
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$587,000	5,920
1999-12-31 (YTD Data)		Rank
Total interest income	$5,150,000	5,462
Total interest expense	$2,771,000	4,898
Net interest income	$2,379,000	5,981
Provision for loan and lease losses	$568,000	1,597
Total noninterest income	$272,000	6,701
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$193,000	5,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,173
Total noninterest expense	$2,034,000	5,631
Salaries and employee benefits	$1,124,000	5,415
Premises and equipment expense	$286,000	5,610
Additional noninterest expense	$624,000	5,679
Pre-tax net operating income	$49,000	9,240
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$49,000	9,245
Extraordinary gains, net	$0	35
Net income	$49,000	9,242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$186,000	2,502
Cash dividends	$130,000	5,805
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$49,000	9,215
1998-12-31 (YTD Data)		Rank
Total interest income	$4,341,000	6,191
Total interest expense	$2,390,000	5,533
Net interest income	$1,951,000	6,758
Provision for loan and lease losses	$143,000	4,290
Total noninterest income	$194,000	7,655
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$117,000	6,528
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	7,275
Total noninterest expense	$1,649,000	6,327
Salaries and employee benefits	$987,000	5,837
Premises and equipment expense	$164,000	7,353
Additional noninterest expense	$498,000	6,456
Pre-tax net operating income	$353,000	8,128
Securities gains (losses)	$71,000	1,495
Applicable income taxes	$120,000	7,243
Income before extraordinary items	$304,000	7,854
Extraordinary gains, net	$0	32
Net income	$304,000	7,853
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,482
Cash dividends	$125,000	6,004
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$252,880	8,162
1997-12-31 (YTD Data)		Rank
Total interest income	$3,850,000	6,797
Total interest expense	$2,109,000	6,068
Net interest income	$1,741,000	7,451
Provision for loan and lease losses	$82,000	5,614
Total noninterest income	$196,000	7,894
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	7,173
Trading account gains and fees	NA	NA
Additional Noninterest Income	$95,000	6,917
Total noninterest expense	$1,291,000	7,371
Salaries and employee benefits	$740,000	7,080
Premises and equipment expense	$132,000	8,186
Additional noninterest expense	$419,000	7,201
Pre-tax net operating income	$564,000	7,587
Securities gains (losses)	$18,000	1,964
Applicable income taxes	$181,000	7,154
Income before extraordinary items	$401,000	7,627
Extraordinary gains, net	$0	44
Net income	$401,000	7,630
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,656
Cash dividends	$115,000	6,302
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$388,580	7,664
1996-12-31 (YTD Data)		Rank
Total interest income	$3,153,000	7,810
Total interest expense	$1,701,000	7,076
Net interest income	$1,452,000	8,382
Provision for loan and lease losses	$66,000	5,953
Total noninterest income	$166,000	8,763
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$97,000	7,562
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	8,124
Total noninterest expense	$1,083,000	8,387
Salaries and employee benefits	$654,000	7,820
Premises and equipment expense	$124,000	8,694
Additional noninterest expense	$305,000	8,827
Pre-tax net operating income	$469,000	8,124
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$136,000	8,111
Income before extraordinary items	$335,000	8,116
Extraordinary gains, net	$0	53
Net income	$335,000	8,116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,548
Cash dividends	$95,000	6,831
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$333,580	8,068
1995-12-31 (YTD Data)		Rank
Total interest income	$2,738,000	8,582
Total interest expense	$1,410,000	7,950
Net interest income	$1,328,000	8,985
Provision for loan and lease losses	$42,000	6,540
Total noninterest income	$137,000	9,537
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,120
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	9,224
Total noninterest expense	$1,041,000	8,788
Salaries and employee benefits	$606,000	8,321
Premises and equipment expense	$121,000	9,014
Additional noninterest expense	$314,000	9,104
Pre-tax net operating income	$382,000	9,178
Securities gains (losses)	$0	3,831
Applicable income taxes	$111,000	8,958
Income before extraordinary items	$271,000	9,214
Extraordinary gains, net	$0	65
Net income	$271,000	9,219
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,500
Cash dividends	$87,000	7,085
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$271,000	9,183
1994-12-31 (YTD Data)		Rank
Total interest income	$2,086,000	9,636
Total interest expense	$822,000	9,492
Net interest income	$1,264,000	9,578
Provision for loan and lease losses	$29,000	7,250
Total noninterest income	$180,000	9,099
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,410
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	7,803
Total noninterest expense	$1,051,000	9,154
Salaries and employee benefits	$577,000	8,778
Premises and equipment expense	$118,000	9,449
Additional noninterest expense	$356,000	9,275
Pre-tax net operating income	$364,000	9,634
Securities gains (losses)	$10,000	2,219
Applicable income taxes	$108,000	9,171
Income before extraordinary items	$266,000	9,532
Extraordinary gains, net	$0	249
Net income	$266,000	9,542
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	5,160
Cash dividends	$45,000	8,081
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$258,900	9,661
1993-12-31 (YTD Data)		Rank
Total interest income	$1,813,000	10,569
Total interest expense	$701,000	10,579
Net interest income	$1,112,000	10,360
Provision for loan and lease losses	$1,000	10,323
Total noninterest income	$133,000	10,566
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	8,849
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	10,209
Total noninterest expense	$945,000	9,997
Salaries and employee benefits	$529,000	9,389
Premises and equipment expense	$113,000	10,024
Additional noninterest expense	$303,000	10,412
Pre-tax net operating income	$299,000	10,253
Securities gains (losses)	$48,000	3,456
Applicable income taxes	$110,000	9,512
Income before extraordinary items	$237,000	10,185
Extraordinary gains, net	$0	3,149
Net income	$237,000	10,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	12,096
Cash dividends	$18,000	8,731
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$204,360	10,369
1992-12-31 (YTD Data)		Rank
Total interest income	$1,711,000	11,500
Total interest expense	$732,000	11,664
Net interest income	$979,000	11,177
Provision for loan and lease losses	$26,000	10,195
Total noninterest income	$117,000	11,273
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$88,000	8,897
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	11,840
Total noninterest expense	$873,000	10,648
Salaries and employee benefits	$470,000	10,086
Premises and equipment expense	$103,000	10,619
Additional noninterest expense	$300,000	10,820
Pre-tax net operating income	$197,000	11,096
Securities gains (losses)	$43,000	4,369
Applicable income taxes	$70,000	10,722
Income before extraordinary items	$170,000	10,995
Extraordinary gains, net	$39,000	1,068
Net income	$209,000	10,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	6,285
Cash dividends	$20,000	8,461
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$139,470	11,093

* 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.