Home > United Federal Savings Bank > Income and Expense
United Federal Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $22,845,000 | 1,439 |
| Total interest expense | $12,858,000 | 1,240 |
| Net interest income | $9,987,000 | 1,746 |
| Provision for loan and lease losses | $1,445,000 | 748 |
| Total noninterest income | $2,468,000 | 1,496 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,468,000 | 952 |
| Total noninterest expense | $9,681,000 | 1,356 |
| Salaries and employee benefits | $5,398,000 | 1,221 |
| Premises and equipment expense | $1,712,000 | 1,166 |
| Additional noninterest expense | $2,571,000 | 1,654 |
| Pre-tax net operating income | $1,329,000 | 4,891 |
| Securities gains (losses) | $1,273,000 | 250 |
| Applicable income taxes | $799,000 | 2,929 |
| Income before extraordinary items | $1,803,000 | 2,825 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,803,000 | 2,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,692 |
| Cash dividends | $705,000 | 2,769 |
| Sale, conversion, retirement of capital stock, net | $898,000 | 471 |
| Net operating income | $924,630 | 4,909 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,824,000 | 1,697 |
| Total interest expense | $11,824,000 | 1,372 |
| Net interest income | $8,000,000 | 2,256 |
| Provision for loan and lease losses | $61,000 | 6,063 |
| Total noninterest income | $2,628,000 | 1,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,628,000 | 962 |
| Total noninterest expense | $9,570,000 | 1,495 |
| Salaries and employee benefits | $4,335,000 | 1,535 |
| Premises and equipment expense | $1,000,000 | 2,000 |
| Additional noninterest expense | $4,235,000 | 1,301 |
| Pre-tax net operating income | $997,000 | 5,748 |
| Securities gains (losses) | $509,000 | 414 |
| Applicable income taxes | $1,012,000 | 2,327 |
| Income before extraordinary items | $494,000 | 6,941 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $494,000 | 6,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,662 |
| Cash dividends | $612,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $168,240 | 9,562 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,141,000 | 1,774 |
| Total interest expense | $12,202,000 | 1,347 |
| Net interest income | $6,939,000 | 2,583 |
| Provision for loan and lease losses | $51,000 | 6,147 |
| Total noninterest income | $3,480,000 | 1,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $3,480,000 | 822 |
| Total noninterest expense | $6,970,000 | 1,979 |
| Salaries and employee benefits | $3,724,000 | 1,779 |
| Premises and equipment expense | $1,199,000 | 1,679 |
| Additional noninterest expense | $2,047,000 | 2,356 |
| Pre-tax net operating income | $3,398,000 | 2,165 |
| Securities gains (losses) | $377,000 | 428 |
| Applicable income taxes | $1,420,000 | 1,726 |
| Income before extraordinary items | $2,355,000 | 2,156 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,355,000 | 2,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,798 |
| Cash dividends | $488,000 | 3,423 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,113,720 | 2,356 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,809,000 | 2,084 |
| Total interest expense | $9,321,000 | 1,399 |
| Net interest income | $5,488,000 | 3,262 |
| Provision for loan and lease losses | $-1,266,000 | 12,539 |
| Total noninterest income | $3,940,000 | 1,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,940,000 | 743 |
| Total noninterest expense | $7,740,000 | 1,872 |
| Salaries and employee benefits | $4,028,000 | 1,659 |
| Premises and equipment expense | $1,505,000 | 1,381 |
| Additional noninterest expense | $2,207,000 | 2,380 |
| Pre-tax net operating income | $2,954,000 | 2,412 |
| Securities gains (losses) | $-1,102,000 | 12,414 |
| Applicable income taxes | $690,000 | 3,126 |
| Income before extraordinary items | $1,162,000 | 3,979 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,162,000 | 3,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,911 |
| Cash dividends | $123,000 | 6,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,867,280 | 2,624 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,447,000 | 2,036 |
| Total interest expense | $10,262,000 | 1,306 |
| Net interest income | $5,185,000 | 3,453 |
| Provision for loan and lease losses | $-379,000 | 13,140 |
| Total noninterest income | $5,891,000 | 873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $5,891,000 | 600 |
| Total noninterest expense | $7,395,000 | 1,988 |
| Salaries and employee benefits | $3,729,000 | 1,794 |
| Premises and equipment expense | $1,411,000 | 1,509 |
| Additional noninterest expense | $2,255,000 | 2,460 |
| Pre-tax net operating income | $4,060,000 | 1,702 |
| Securities gains (losses) | $57,000 | 3,212 |
| Applicable income taxes | $1,549,000 | 1,524 |
| Income before extraordinary items | $2,568,000 | 1,951 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,568,000 | 2,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-716,000 | 13,251 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,531,520 | 1,860 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,366,000 | 1,835 |
| Total interest expense | $13,281,000 | 1,335 |
| Net interest income | $6,085,000 | 3,009 |
| Provision for loan and lease losses | $747,000 | 2,265 |
| Total noninterest income | $6,169,000 | 841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $6,169,000 | 582 |
| Total noninterest expense | $8,630,000 | 1,763 |
| Salaries and employee benefits | $3,588,000 | 1,850 |
| Premises and equipment expense | $1,358,000 | 1,569 |
| Additional noninterest expense | $3,684,000 | 1,690 |
| Pre-tax net operating income | $2,877,000 | 2,159 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $2,168,000 | 1,048 |
| Income before extraordinary items | $711,000 | 5,846 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $711,000 | 5,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 3,841 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $709,720 | 5,528 |
* 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.