United bancorp inc /oh/ (UBCP)
Balance Sheet / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
Assets
Cash and due from banks

12,904

5,697

5,239

20,108

5,206

15,573

4,868

4,611

4,388

4,662

4,692

4,325

4,658

4,233

4,528

5,878

5,577

4,954

5,577

5,346

5,265

5,170

5,882

4,931

5,024

5,328

5,112

5,080

4,753

4,889

4,933

5,141

4,712

4,764

4,878

5,081

5,006

Interest-bearing demand deposits

15,138

9,288

8,108

5,184

27,486

9,680

8,042

11,697

10,383

9,653

18,416

16,459

11,725

7,308

8,719

3,910

12,665

7,747

19,267

19,945

33,965

33,994

31,485

26,086

35,710

18,146

36,106

53,478

65,891

70,219

97,303

39,221

33,432

10,917

14,206

7,859

5,929

Cash and cash equivalents

28,042

14,985

13,347

25,292

32,692

25,253

12,910

16,308

14,771

14,315

23,108

20,784

16,383

11,541

13,247

9,788

18,242

12,701

24,844

25,291

39,230

39,164

37,367

31,017

40,734

23,474

41,218

58,558

70,644

75,108

102,236

44,362

38,144

15,681

19,084

12,940

10,935

Available-for-sale securities

197,401

188,785

200,875

-

-

123,991

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Certificates of deposit in other financial institutions

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

2,564

Available-for-sale securities

-

-

-

161,605

139,318

-

86,466

86,212

71,065

44,959

39,129

38,892

39,001

39,766

31,803

31,812

29,670

34,623

30,646

39,565

37,317

19,348

25,018

24,614

24,323

26,564

27,844

28,004

29,646

34,853

38,600

66,300

80,207

81,998

82,363

94,462

96,155

Held-to-maturity securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

235

235

235

450

835

835

835

955

2,294

2,289

2,283

2,768

3,511

3,696

4,191

4,450

4,555

4,550

6,331

Loans, net of allowance for loan losses of $2,708 and $2,231 at March 31, 2020 and December 31, 2019, respectively

445,629

439,317

419,144

423,291

411,813

407,640

391,178

377,433

368,360

366,467

358,194

355,277

352,422

354,380

348,188

346,357

333,089

327,226

323,598

309,225

309,988

313,354

309,720

312,265

310,083

306,608

295,144

292,804

292,585

293,774

283,549

276,841

276,038

281,526

275,856

274,553

276,037

Premises and equipment

13,150

12,402

12,487

12,441

12,197

12,117

11,645

11,817

11,914

11,740

11,867

11,860

11,932

11,884

11,804

11,457

10,844

10,446

10,405

10,511

10,612

10,071

10,276

10,416

10,580

10,723

10,954

11,046

10,915

10,385

10,453

10,486

9,840

9,804

9,938

10,072

9,278

Federal Home Loan Bank stock

4,452

4,012

4,012

4,012

4,012

4,243

4,164

4,164

4,164

4,164

4,164

4,164

4,165

4,164

4,165

4,210

4,210

4,210

4,210

4,210

4,210

4,210

4,210

4,210

4,210

4,810

4,810

4,810

4,810

4,810

4,810

4,810

4,810

4,810

4,810

4,810

4,810

Foreclosed assets held for sale, net

818

819

30

30

91

91

387

615

385

397

434

294

335

335

320

326

326

357

362

1,107

1,140

1,140

1,237

1,380

1,244

2,202

2,266

2,350

1,825

1,810

1,958

1,983

1,991

2,046

2,214

2,175

1,912

Core deposit and other intangible assets

1,505

1,542

1,579

1,617

1,655

1,692

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

7

37

66

96

126

156

186

215

245

275

305

334

364

394

424

453

483

543

Accrued interest receivable

2,563

2,697

2,232

2,225

2,104

1,798

1,567

1,275

1,068

993

913

761

832

840

787

788

834

803

787

792

784

829

829

861

906

1,022

997

1,035

1,194

1,076

1,191

1,173

1,256

1,410

1,403

1,484

1,441

Deferred federal income tax

-

-

-

-

-

-

851

495

271

349

823

654

845

850

614

614

505

521

516

516

483

493

587

601

700

744

1,304

1,250

1,033

887

958

937

994

909

589

635

801

Bank-owned life insurance

17,331

17,196

17,097

13,023

12,948

13,115

12,334

12,263

12,191

12,114

12,049

11,977

11,903

11,822

11,742

11,670

11,595

11,509

10,652

13,423

10,830

10,747

10,673

10,711

10,595

10,511

12,226

11,210

11,128

11,034

10,954

10,849

10,762

10,672

10,583

10,682

10,401

Other assets

4,390

3,951

5,018

5,091

4,178

3,273

3,777

4,219

4,188

3,834

3,830

4,009

3,030

2,436

2,849

3,080

3,146

2,728

2,000

1,855

2,054

1,940

1,965

1,985

2,653

1,367

809

988

1,735

1,544

1,762

1,974

2,081

1,836

2,241

2,206

2,227

Total Assets

715,281

685,706

675,821

648,627

621,008

593,213

525,279

514,801

488,377

459,332

454,511

448,672

440,848

438,018

425,519

420,102

412,461

405,124

408,255

406,737

416,920

401,812

402,813

399,021

407,019

389,166

400,081

414,589

428,073

438,354

460,316

423,775

430,708

415,566

414,089

419,052

423,435

Liabilities and Stockholders' Equity
Liabilities
Deposits
Demand

345,448

334,380

328,739

319,206

315,067

309,505

268,604

262,953

249,964

237,980

233,642

227,971

216,199

203,745

195,162

193,819

188,752

188,328

187,299

187,326

191,291

183,550

180,404

177,247

178,681

164,747

166,516

167,095

175,475

183,355

195,402

153,519

154,644

142,021

134,617

132,866

131,600

Savings

111,066

108,217

109,050

110,885

110,924

111,251

80,649

83,838

84,475

82,169

81,770

81,421

83,299

81,825

79,077

79,788

80,046

77,672

74,898

73,537

74,383

71,319

69,713

69,796

69,328

67,588

68,334

68,438

67,207

67,236

66,551

65,794

64,394

57,907

55,567

55,307

52,463

Time

99,004

105,472

112,207

116,156

112,940

104,687

85,078

68,843

69,625

65,817

65,439

64,523

60,313

53,233

53,873

53,372

55,834

57,622

61,000

62,579

65,327

67,812

70,363

72,510

76,356

78,306

82,634

88,479

93,450

99,825

108,031

116,802

122,216

128,612

133,495

137,130

141,383

Total deposits

555,518

548,069

549,996

546,247

538,931

525,443

434,331

415,634

404,064

385,966

380,851

373,915

359,811

338,803

328,112

326,979

324,632

323,622

323,197

323,442

331,001

322,681

320,480

319,553

324,365

310,641

317,484

326,012

336,132

350,416

369,984

336,115

341,254

328,540

323,679

325,303

325,446

Securities sold under repurchase agreements

14,587

6,915

9,902

7,674

13,441

8,068

15,399

12,346

15,583

11,085

16,188

12,989

15,567

9,393

-

-

-

5,691

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Short-term borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

13,554

10,065

12,157

-

10,244

9,028

12,113

5,098

9,134

6,577

9,589

5,746

10,529

12,228

15,142

10,681

13,706

10,933

13,247

9,968

13,358

12,320

11,843

Federal Home Loan Bank advances

51,000

39,800

20,800

2

80

106

22,139

33,768

8,195

10,022

5,257

10,287

15,317

39,855

33,605

33,249

26,490

26,530

26,587

26,635

26,678

26,719

26,780

26,840

26,902

26,991

27,146

32,254

32,349

32,439

32,625

32,742

32,844

32,951

33,631

38,208

43,450

Deferred federal income tax

-

-

-

0

507

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Subordinated debentures

23,558

23,543

23,528

23,520

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,124

4,000

4,000

4,000

4,000

4,000

4,000

4,000

4,000

4,000

4,000

4,000

Deferred federal income tax

0

1,736

2,018

-

-

219

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Pending available-for-sale securities purchases

-

-

3,153

7,187

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest payable and other liabilities

7,670

5,721

6,369

7,017

10,139

4,610

4,174

3,944

12,137

4,240

3,975

3,704

2,910

3,202

3,350

3,329

3,136

3,661

2,536

2,454

2,280

2,800

2,153

2,186

2,863

2,793

3,808

-

-

4,192

-

-

-

-

-

-

-

Interest payable and other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,671

3,715

-

3,480

3,602

3,179

3,925

2,778

2,867

3,115

Total liabilities

652,333

625,784

615,766

591,647

567,222

542,570

480,167

469,816

444,103

415,437

410,395

405,019

397,729

395,377

382,745

377,746

370,539

363,628

366,688

365,683

376,196

361,422

362,671

359,280

367,843

350,295

362,967

378,165

391,338

401,728

423,795

387,392

394,524

379,384

377,446

382,698

387,854

Stockholders' Equity
Preferred stock, no par value, authorized 2,000,000 shares; no shares issued

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Common stock, $1 par value; authorized 10,000,000 shares; issued 5,969,351 shares at March 31, 2020 and 5,959,351 shares at December 31, 2019; outstanding - 5,729,113 and 5,516,203 shares at March 31, 2020 and December 31, 2019, respectively

5,969

5,959

5,959

5,939

5,927

5,927

5,560

5,560

5,560

5,435

5,435

5,430

5,425

5,425

5,425

5,385

5,385

5,385

5,385

5,385

5,385

5,385

5,385

5,385

5,385

5,375

5,375

5,375

5,375

5,375

5,375

5,375

5,360

5,360

5,370

5,370

5,370

Additional paid-in capital

22,797

22,871

22,632

22,517

22,826

22,556

18,052

17,927

17,819

18,020

17,983

17,924

18,030

18,024

18,074

18,021

18,185

18,245

18,107

18,104

18,097

18,044

-

-

-

17,750

-

-

-

-

-

-

-

-

-

-

-

Additional paid-in capital

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

17,953

17,899

17,800

-

17,656

17,593

17,519

17,425

17,573

17,468

17,478

17,391

18,019

18,687

20,133

Retained earnings

28,644

27,905

26,969

26,002

25,153

24,321

24,795

24,177

23,735

23,260

23,404

23,055

22,737

22,483

22,450

22,118

21,749

21,443

21,384

21,008

20,687

20,478

20,229

19,940

19,655

19,600

19,430

18,727

18,633

18,544

18,464

18,390

18,411

18,399

17,599

16,798

15,308

Stock held by deferred compensation plan; 160,645 and 176,134 shares at March 31, 2020 and December 31, 2019

1,522

1,659

1,603

1,553

1,932

1,701

1,622

1,579

1,543

1,671

1,616

1,604

1,758

1,880

1,845

1,789

1,986

2,079

1,981

2,013

2,044

2,044

1,994

1,979

1,921

1,904

1,860

1,847

1,819

1,778

1,913

1,862

1,911

1,856

1,804

1,755

1,657

Unearned ESOP compensation

149

228

200

268

335

404

474

543

614

683

830

900

970

911

1,105

1,160

1,215

1,271

1,322

1,372

1,419

1,467

1,515

1,562

1,608

1,658

1,700

1,742

1,782

1,823

1,925

1,975

2,030

2,081

2,130

2,183

2,311

Accumulated other comprehensive income (loss)

8,197

5,536

6,760

4,805

2,460

-10

-1,153

-511

-627

-420

-214

-206

-299

-454

-179

-173

-150

-181

57

5

81

57

171

145

-48

-191

-1,687

-1,581

-1,161

-1,087

-1,015

-975

-1,086

-920

-300

-387

-707

Treasury stock, at cost 2019 - 42,400 shares, 2018 - 5,744 shares

988

462

462

462

313

46

46

46

46

46

46

46

46

46

46

46

46

46

63

63

63

63

87

87

87

101

100

101

30

30

38

38

38

111

111

176

555

Total stockholders' equity

62,948

59,922

60,055

56,980

53,786

50,643

45,112

44,985

44,274

43,895

44,116

43,653

43,119

42,641

42,774

42,356

41,922

41,496

41,567

41,054

40,724

40,390

40,142

39,741

39,176

38,871

37,114

36,424

36,735

36,626

36,521

36,383

36,184

36,182

36,643

36,354

35,581

Total liabilities and stockholders' equity

715,281

685,706

675,821

648,627

621,008

593,213

525,279

514,801

488,377

459,332

454,511

448,672

440,848

438,018

425,519

420,102

412,461

405,124

408,255

406,737

416,920

401,812

402,813

399,021

407,019

389,166

400,081

414,589

428,073

438,354

460,316

423,775

430,708

415,566

414,089

419,052

423,435