Home > United Trust Bank > Income and Expense
United Trust Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $148,745,000 | 237 |
| Total interest expense | $45,582,000 | 237 |
| Net interest income | $103,163,000 | 235 |
| Provision for loan and lease losses | $11,855,000 | 179 |
| Total noninterest income | $25,531,000 | 342 |
| Gross Fiduciary activities income | $6,101,000 | 135 |
| Service charges on deposit accounts | $7,570,000 | 241 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $11,860,000 | 396 |
| Total noninterest expense | $101,133,000 | 213 |
| Salaries and employee benefits | $43,429,000 | 216 |
| Premises and equipment expense | $14,649,000 | 193 |
| Additional noninterest expense | $43,055,000 | 214 |
| Pre-tax net operating income | $15,706,000 | 579 |
| Securities gains (losses) | $5,114,000 | 158 |
| Applicable income taxes | $4,817,000 | 637 |
| Income before extraordinary items | $16,003,000 | 452 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $16,003,000 | 453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,725,000 | 179 |
| Cash dividends | $19,290,000 | 255 |
| Sale, conversion, retirement of capital stock, net | $1,372,000 | 389 |
| Net operating income | $12,065,220 | 536 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $111,483,000 | 242 |
| Total interest expense | $34,978,000 | 246 |
| Net interest income | $76,505,000 | 245 |
| Provision for loan and lease losses | $4,755,000 | 283 |
| Total noninterest income | $18,797,000 | 363 |
| Gross Fiduciary activities income | $4,525,000 | 142 |
| Service charges on deposit accounts | $5,474,000 | 257 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,798,000 | 416 |
| Total noninterest expense | $71,612,000 | 225 |
| Salaries and employee benefits | $31,640,000 | 228 |
| Premises and equipment expense | $11,050,000 | 198 |
| Additional noninterest expense | $28,922,000 | 229 |
| Pre-tax net operating income | $18,935,000 | 409 |
| Securities gains (losses) | $2,632,000 | 224 |
| Applicable income taxes | $4,373,000 | 573 |
| Income before extraordinary items | $17,194,000 | 361 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $17,194,000 | 362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,181,000 | 412 |
| Cash dividends | $19,289,000 | 205 |
| Sale, conversion, retirement of capital stock, net | $355,000 | 392 |
| Net operating income | $15,088,400 | 364 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $74,817,000 | 243 |
| Total interest expense | $24,456,000 | 242 |
| Net interest income | $50,361,000 | 247 |
| Provision for loan and lease losses | $3,075,000 | 286 |
| Total noninterest income | $11,889,000 | 374 |
| Gross Fiduciary activities income | $3,127,000 | 142 |
| Service charges on deposit accounts | $3,365,000 | 277 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,397,000 | 447 |
| Total noninterest expense | $43,819,000 | 241 |
| Salaries and employee benefits | $21,344,000 | 228 |
| Premises and equipment expense | $7,621,000 | 190 |
| Additional noninterest expense | $14,854,000 | 266 |
| Pre-tax net operating income | $15,356,000 | 355 |
| Securities gains (losses) | $2,357,000 | 203 |
| Applicable income taxes | $3,818,000 | 466 |
| Income before extraordinary items | $13,895,000 | 311 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $13,895,000 | 313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,392,000 | 422 |
| Cash dividends | $14,609,000 | 166 |
| Sale, conversion, retirement of capital stock, net | $244,000 | 308 |
| Net operating income | $12,056,540 | 323 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $37,245,000 | 247 |
| Total interest expense | $12,837,000 | 239 |
| Net interest income | $24,408,000 | 256 |
| Provision for loan and lease losses | $1,470,000 | 295 |
| Total noninterest income | $5,677,000 | 388 |
| Gross Fiduciary activities income | $1,558,000 | 145 |
| Service charges on deposit accounts | $1,497,000 | 302 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,622,000 | 454 |
| Total noninterest expense | $23,395,000 | 228 |
| Salaries and employee benefits | $10,248,000 | 239 |
| Premises and equipment expense | $4,141,000 | 178 |
| Additional noninterest expense | $9,006,000 | 233 |
| Pre-tax net operating income | $5,220,000 | 479 |
| Securities gains (losses) | $1,958,000 | 148 |
| Applicable income taxes | $1,199,000 | 679 |
| Income before extraordinary items | $5,979,000 | 336 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,979,000 | 337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 586 |
| Cash dividends | $-38,000 | 9,313 |
| Sale, conversion, retirement of capital stock, net | $122,000 | 212 |
| Net operating income | $4,353,860 | 402 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $133,046,000 | 295 |
| Total interest expense | $48,975,000 | 280 |
| Net interest income | $84,071,000 | 290 |
| Provision for loan and lease losses | $11,150,000 | 230 |
| Total noninterest income | $22,594,000 | 369 |
| Gross Fiduciary activities income | $5,858,000 | 151 |
| Service charges on deposit accounts | $4,708,000 | 348 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,028,000 | 392 |
| Total noninterest expense | $68,097,000 | 292 |
| Salaries and employee benefits | $32,738,000 | 273 |
| Premises and equipment expense | $11,418,000 | 243 |
| Additional noninterest expense | $23,941,000 | 303 |
| Pre-tax net operating income | $27,418,000 | 368 |
| Securities gains (losses) | $305,000 | 885 |
| Applicable income taxes | $4,967,000 | 591 |
| Income before extraordinary items | $22,756,000 | 336 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $22,756,000 | 337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,345,000 | 225 |
| Cash dividends | $31,144,000 | 178 |
| Sale, conversion, retirement of capital stock, net | $437,000 | 489 |
| Net operating income | $22,505,900 | 322 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $137,632,000 | 311 |
| Total interest expense | $63,086,000 | 317 |
| Net interest income | $74,546,000 | 307 |
| Provision for loan and lease losses | $2,761,000 | 545 |
| Total noninterest income | $22,375,000 | 359 |
| Gross Fiduciary activities income | $6,742,000 | 141 |
| Service charges on deposit accounts | $3,930,000 | 386 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $11,703,000 | 385 |
| Total noninterest expense | $56,894,000 | 329 |
| Salaries and employee benefits | $25,001,000 | 322 |
| Premises and equipment expense | $9,973,000 | 263 |
| Additional noninterest expense | $21,920,000 | 334 |
| Pre-tax net operating income | $37,266,000 | 270 |
| Securities gains (losses) | $185,000 | 1,259 |
| Applicable income taxes | $10,618,000 | 323 |
| Income before extraordinary items | $26,833,000 | 269 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $26,833,000 | 269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,702,000 | 460 |
| Cash dividends | $30,282,000 | 179 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $26,699,800 | 256 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $154,073,000 | 307 |
| Total interest expense | $82,451,000 | 296 |
| Net interest income | $71,622,000 | 313 |
| Provision for loan and lease losses | $4,730,000 | 334 |
| Total noninterest income | $22,658,000 | 347 |
| Gross Fiduciary activities income | $6,861,000 | 140 |
| Service charges on deposit accounts | $4,056,000 | 349 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $11,741,000 | 385 |
| Total noninterest expense | $56,474,000 | 313 |
| Salaries and employee benefits | $23,223,000 | 323 |
| Premises and equipment expense | $9,908,000 | 259 |
| Additional noninterest expense | $23,343,000 | 316 |
| Pre-tax net operating income | $33,076,000 | 312 |
| Securities gains (losses) | $3,904,000 | 62 |
| Applicable income taxes | $10,491,000 | 325 |
| Income before extraordinary items | $26,489,000 | 284 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $26,489,000 | 283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,697,000 | 399 |
| Cash dividends | $14,276,000 | 297 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $23,678,120 | 291 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $138,798,000 | 316 |
| Total interest expense | $64,017,000 | 320 |
| Net interest income | $74,781,000 | 299 |
| Provision for loan and lease losses | $3,825,000 | 359 |
| Total noninterest income | $20,103,000 | 390 |
| Gross Fiduciary activities income | $5,585,000 | 186 |
| Service charges on deposit accounts | $4,607,000 | 313 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $9,911,000 | 448 |
| Total noninterest expense | $72,081,000 | 273 |
| Salaries and employee benefits | $24,734,000 | 324 |
| Premises and equipment expense | $9,351,000 | 270 |
| Additional noninterest expense | $37,996,000 | 241 |
| Pre-tax net operating income | $18,978,000 | 507 |
| Securities gains (losses) | $1,303,000 | 182 |
| Applicable income taxes | $6,426,000 | 507 |
| Income before extraordinary items | $13,855,000 | 475 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $13,855,000 | 475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,820,000 | 317 |
| Cash dividends | $24,254,000 | 227 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $12,968,960 | 495 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $102,428,000 | 390 |
| Total interest expense | $45,542,000 | 430 |
| Net interest income | $56,886,000 | 364 |
| Provision for loan and lease losses | $3,144,000 | 439 |
| Total noninterest income | $18,866,000 | 396 |
| Gross Fiduciary activities income | $5,454,000 | 187 |
| Service charges on deposit accounts | $4,443,000 | 302 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $8,969,000 | 465 |
| Total noninterest expense | $52,109,000 | 333 |
| Salaries and employee benefits | $21,283,000 | 354 |
| Premises and equipment expense | $7,331,000 | 320 |
| Additional noninterest expense | $23,495,000 | 322 |
| Pre-tax net operating income | $20,499,000 | 434 |
| Securities gains (losses) | $2,051,000 | 227 |
| Applicable income taxes | $6,716,000 | 456 |
| Income before extraordinary items | $15,834,000 | 402 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $15,834,000 | 402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,996,000 | 320 |
| Cash dividends | $9,024,000 | 412 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 940 |
| Net operating income | $14,398,300 | 410 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $88,355,000 | 439 |
| Total interest expense | $36,700,000 | 506 |
| Net interest income | $51,655,000 | 401 |
| Provision for loan and lease losses | $3,600,000 | 388 |
| Total noninterest income | $17,445,000 | 389 |
| Gross Fiduciary activities income | $4,976,000 | 198 |
| Service charges on deposit accounts | $4,045,000 | 337 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $8,424,000 | 461 |
| Total noninterest expense | $45,441,000 | 361 |
| Salaries and employee benefits | $19,467,000 | 362 |
| Premises and equipment expense | $6,224,000 | 364 |
| Additional noninterest expense | $19,750,000 | 340 |
| Pre-tax net operating income | $20,059,000 | 458 |
| Securities gains (losses) | $1,312,000 | 244 |
| Applicable income taxes | $6,772,000 | 487 |
| Income before extraordinary items | $14,599,000 | 441 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $14,599,000 | 442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,125,000 | 316 |
| Cash dividends | $7,077,000 | 479 |
| Sale, conversion, retirement of capital stock, net | $488,000 | 550 |
| Net operating income | $13,706,840 | 438 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $73,094,000 | 548 |
| Total interest expense | $28,855,000 | 640 |
| Net interest income | $44,239,000 | 478 |
| Provision for loan and lease losses | $2,275,000 | 557 |
| Total noninterest income | $13,080,000 | 498 |
| Gross Fiduciary activities income | $4,336,000 | 235 |
| Service charges on deposit accounts | $3,885,000 | 389 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $4,859,000 | 660 |
| Total noninterest expense | $38,515,000 | 473 |
| Salaries and employee benefits | $19,223,000 | 394 |
| Premises and equipment expense | $5,823,000 | 421 |
| Additional noninterest expense | $13,469,000 | 534 |
| Pre-tax net operating income | $16,529,000 | 525 |
| Securities gains (losses) | $681,000 | 342 |
| Applicable income taxes | $5,776,000 | 527 |
| Income before extraordinary items | $11,434,000 | 514 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $11,434,000 | 515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,835,000 | 463 |
| Cash dividends | $4,939,000 | 683 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $10,984,540 | 523 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $71,984,000 | 580 |
| Total interest expense | $29,128,000 | 660 |
| Net interest income | $42,856,000 | 505 |
| Provision for loan and lease losses | $450,000 | 1,710 |
| Total noninterest income | $10,653,000 | 581 |
| Gross Fiduciary activities income | $4,222,000 | 250 |
| Service charges on deposit accounts | $3,443,000 | 448 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,988,000 | 890 |
| Total noninterest expense | $42,075,000 | 454 |
| Salaries and employee benefits | $20,817,000 | 388 |
| Premises and equipment expense | $6,346,000 | 420 |
| Additional noninterest expense | $14,912,000 | 513 |
| Pre-tax net operating income | $10,984,000 | 775 |
| Securities gains (losses) | $577,000 | 319 |
| Applicable income taxes | $3,470,000 | 808 |
| Income before extraordinary items | $8,091,000 | 715 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $8,091,000 | 715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,635,000 | 484 |
| Cash dividends | $4,541,000 | 689 |
| Sale, conversion, retirement of capital stock, net | $1,829,000 | 230 |
| Net operating income | $7,687,100 | 736 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $48,871,000 | 717 |
| Total interest expense | $15,362,000 | 889 |
| Net interest income | $33,509,000 | 615 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $8,343,000 | 668 |
| Gross Fiduciary activities income | $4,005,000 | 250 |
| Service charges on deposit accounts | $3,035,000 | 475 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,303,000 | 1,539 |
| Total noninterest expense | $30,114,000 | 585 |
| Salaries and employee benefits | $17,074,000 | 451 |
| Premises and equipment expense | $4,915,000 | 492 |
| Additional noninterest expense | $8,125,000 | 810 |
| Pre-tax net operating income | $11,438,000 | 715 |
| Securities gains (losses) | $891,000 | 182 |
| Applicable income taxes | $3,795,000 | 713 |
| Income before extraordinary items | $8,534,000 | 653 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $8,534,000 | 652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,733,000 | 621 |
| Cash dividends | $3,727,000 | 692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $7,919,210 | 707 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $48,390,000 | 719 |
| Total interest expense | $16,405,000 | 864 |
| Net interest income | $31,985,000 | 631 |
| Provision for loan and lease losses | $750,000 | 1,576 |
| Total noninterest income | $7,605,000 | 728 |
| Gross Fiduciary activities income | $3,558,000 | 275 |
| Service charges on deposit accounts | $2,995,000 | 479 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,052,000 | 1,965 |
| Total noninterest expense | $29,024,000 | 635 |
| Salaries and employee benefits | $16,283,000 | 467 |
| Premises and equipment expense | $4,714,000 | 523 |
| Additional noninterest expense | $8,027,000 | 895 |
| Pre-tax net operating income | $9,816,000 | 744 |
| Securities gains (losses) | $589,000 | 800 |
| Applicable income taxes | $3,376,000 | 761 |
| Income before extraordinary items | $7,029,000 | 744 |
| Extraordinary gains, net | $999,000 | 232 |
| Net income | $8,028,000 | 671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,592,000 | 840 |
| Cash dividends | $3,409,000 | 645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,628,480 | 741 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $50,807,000 | 771 |
| Total interest expense | $22,053,000 | 845 |
| Net interest income | $28,754,000 | 696 |
| Provision for loan and lease losses | $2,360,000 | 1,014 |
| Total noninterest income | $7,791,000 | 704 |
| Gross Fiduciary activities income | $3,392,000 | 283 |
| Service charges on deposit accounts | $3,117,000 | 464 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,282,000 | 1,681 |
| Total noninterest expense | $27,441,000 | 651 |
| Salaries and employee benefits | $14,564,000 | 505 |
| Premises and equipment expense | $4,866,000 | 522 |
| Additional noninterest expense | $8,011,000 | 910 |
| Pre-tax net operating income | $6,744,000 | 963 |
| Securities gains (losses) | $187,000 | 2,104 |
| Applicable income taxes | $1,972,000 | 1,133 |
| Income before extraordinary items | $4,959,000 | 960 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,959,000 | 965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,189,000 | 911 |
| Cash dividends | $2,170,000 | 790 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,824,360 | 896 |
* 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.