Home > United Savings Bank > Income and Expense
United Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $27,680,000 | 1,242 |
| Total interest expense | $14,090,000 | 1,168 |
| Net interest income | $13,590,000 | 1,308 |
| Provision for loan and lease losses | $335,000 | 2,387 |
| Total noninterest income | $15,253,000 | 455 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $15,253,000 | 339 |
| Total noninterest expense | $23,982,000 | 674 |
| Salaries and employee benefits | $15,336,000 | 473 |
| Premises and equipment expense | $2,698,000 | 805 |
| Additional noninterest expense | $5,948,000 | 997 |
| Pre-tax net operating income | $4,526,000 | 1,600 |
| Securities gains (losses) | $5,956,000 | 66 |
| Applicable income taxes | $4,056,000 | 689 |
| Income before extraordinary items | $6,426,000 | 841 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,426,000 | 842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $628,000 | 1,209 |
| Cash dividends | $710,000 | 2,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,614,160 | 1,854 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $20,529,000 | 1,653 |
| Total interest expense | $10,194,000 | 1,567 |
| Net interest income | $10,335,000 | 1,729 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $19,875,000 | 399 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $19,875,000 | 278 |
| Total noninterest expense | $20,235,000 | 776 |
| Salaries and employee benefits | $13,382,000 | 538 |
| Premises and equipment expense | $2,261,000 | 948 |
| Additional noninterest expense | $4,592,000 | 1,197 |
| Pre-tax net operating income | $9,975,000 | 831 |
| Securities gains (losses) | $2,835,000 | 105 |
| Applicable income taxes | $1,963,000 | 1,295 |
| Income before extraordinary items | $10,847,000 | 556 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $10,847,000 | 556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $681,000 | 1,134 |
| Cash dividends | $18,930,000 | 266 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $8,437,250 | 681 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,139,000 | 1,802 |
| Total interest expense | $7,769,000 | 1,623 |
| Net interest income | $9,370,000 | 1,935 |
| Provision for loan and lease losses | $-545,000 | 12,478 |
| Total noninterest income | $15,289,000 | 441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $15,289,000 | 332 |
| Total noninterest expense | $21,171,000 | 770 |
| Salaries and employee benefits | $13,571,000 | 541 |
| Premises and equipment expense | $2,173,000 | 983 |
| Additional noninterest expense | $5,427,000 | 1,095 |
| Pre-tax net operating income | $4,033,000 | 1,763 |
| Securities gains (losses) | $2,411,000 | 73 |
| Applicable income taxes | $1,288,000 | 1,773 |
| Income before extraordinary items | $5,156,000 | 987 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,156,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,467,000 | 697 |
| Cash dividends | $530,000 | 3,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,227,200 | 1,536 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,318,000 | 1,917 |
| Total interest expense | $8,780,000 | 1,523 |
| Net interest income | $7,538,000 | 2,376 |
| Provision for loan and lease losses | $1,433,000 | 1,040 |
| Total noninterest income | $17,944,000 | 408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $17,944,000 | 295 |
| Total noninterest expense | $21,261,000 | 796 |
| Salaries and employee benefits | $13,220,000 | 561 |
| Premises and equipment expense | $2,214,000 | 989 |
| Additional noninterest expense | $5,827,000 | 1,125 |
| Pre-tax net operating income | $2,788,000 | 2,470 |
| Securities gains (losses) | $11,512,000 | 71 |
| Applicable income taxes | $5,020,000 | 536 |
| Income before extraordinary items | $9,280,000 | 574 |
| Extraordinary gains, net | $1,508,000 | 156 |
| Net income | $10,788,000 | 523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $799,000 | 1,324 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,797,200 | 2,613 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,136,000 | 2,486 |
| Total interest expense | $9,005,000 | 1,883 |
| Net interest income | $5,131,000 | 3,550 |
| Provision for loan and lease losses | $1,962,000 | 1,168 |
| Total noninterest income | $12,010,000 | 527 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $12,010,000 | 388 |
| Total noninterest expense | $11,755,000 | 1,345 |
| Salaries and employee benefits | $3,325,000 | 1,974 |
| Premises and equipment expense | $1,271,000 | 1,669 |
| Additional noninterest expense | $7,159,000 | 993 |
| Pre-tax net operating income | $3,424,000 | 1,810 |
| Securities gains (losses) | $1,156,000 | 580 |
| Applicable income taxes | $-1,268,000 | 13,848 |
| Income before extraordinary items | $5,848,000 | 816 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,848,000 | 818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,107,000 | 1,468 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,087 |
| Net operating income | $4,692,000 | 920 |
* 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.