United bancorp inc /oh/ (UBCP)
Income statement / 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'11Mar'11Sep'10Jun'10
Interest and Dividend Income
Loans, including fees

5,842

5,648

5,508

5,399

5,235

5,099

4,883

4,562

4,331

4,346

4,345

4,095

4,017

4,087

4,014

4,037

3,880

3,903

3,918

3,822

3,682

3,828

3,958

3,924

3,893

4,026

3,997

3,972

3,997

4,239

4,158

4,161

4,218

4,347

4,415

4,461

4,318

4,493

4,354

Securities
Taxable

223

298

296

197

205

221

189

181

174

151

118

109

103

88

85

71

81

75

90

98

64

61

58

69

71

68

78

44

104

103

151

240

214

261

356

408

349

443

652

Non-taxable

1,197

1,135

996

849

724

560

361

281

32

0

0

1

6

14

18

22

27

32

39

39

47

58

62

65

69

82

75

118

116

139

146

160

195

224

247

282

302

367

391

Federal funds sold

29

27

75

146

85

119

27

24

27

36

68

36

11

6

7

16

7

13

11

20

17

22

16

23

11

19

33

37

40

55

23

18

10

9

4

5

6

24

23

Dividends on Federal Home Loan Bank and other stock

28

42

46

57

66

66

63

59

61

58

55

49

47

49

42

41

43

42

60

61

49

42

41

53

53

56

50

51

62

57

70

51

54

49

49

56

63

76

93

Total interest and dividend income

7,319

7,150

6,921

6,648

6,315

6,065

5,523

5,107

4,625

4,591

4,586

4,290

4,184

4,244

4,166

4,187

4,038

4,065

4,118

4,040

3,859

4,011

4,135

4,134

4,097

4,251

4,233

4,222

4,319

4,593

4,548

4,630

4,691

4,890

5,071

5,212

5,038

5,403

5,513

Interest Expense
Deposits

1,121

-

-

-

1,126

-

-

-

457

-

-

-

229

-

-

-

201

-

-

-

265

-

-

-

307

-

-

-

449

-

-

-

642

-

-

-

777

-

-

Demand

-

-

620

594

-

-

378

302

-

-

144

115

-

-

34

29

-

-

28

28

-

-

27

27

-

-

25

26

-

-

28

31

-

-

27

32

-

34

47

Savings

-

-

52

52

-

-

10

9

-

-

9

10

-

-

9

9

-

-

9

8

-

-

8

8

-

-

8

7

-

-

18

18

-

-

15

17

-

15

24

Time

-

-

613

579

-

-

253

222

-

-

182

170

-

-

140

149

-

-

219

226

-

-

256

265

-

-

345

381

-

-

512

553

-

-

698

718

-

1,018

1,109

Borrowings

564

530

441

244

81

95

252

174

66

79

114

143

209

246

249

250

274

320

322

320

316

323

324

320

319

327

372

381

381

386

394

392

390

397

401

453

479

515

535

Total interest expense

1,685

1,721

1,726

1,469

1,207

1,055

893

707

523

439

449

438

438

440

432

437

475

542

578

582

581

606

615

620

626

658

750

795

830

883

952

994

1,032

1,090

1,141

1,220

1,256

1,582

1,715

Net Interest Income

5,634

5,429

5,195

5,179

5,108

5,010

4,630

4,400

4,102

4,152

4,137

3,852

3,746

3,804

3,734

3,750

3,563

3,523

3,540

3,458

3,278

3,405

3,520

3,514

3,471

3,593

3,483

3,427

3,489

3,710

3,596

3,636

3,659

3,800

3,930

3,992

3,782

3,821

3,798

Provision for Loan Losses

563

578

120

120

90

96

72

72

57

25

25

25

25

-6

131

105

71

166

126

145

116

231

225

216

216

228

354

340

319

359

268

168

333

425

401

494

648

321

370

Net Interest Income After Provision for Loan Losses

5,071

4,851

5,075

5,059

5,018

4,914

4,558

4,328

4,045

4,127

4,112

3,827

3,721

3,810

3,603

3,645

3,492

3,357

3,414

3,313

3,162

3,174

3,295

3,298

3,255

3,365

3,129

3,087

3,170

3,351

3,328

3,468

3,326

3,375

3,529

3,498

3,134

3,500

3,428

Noninterest income
Service charges on deposit accounts

-

-

-

-

-

-

-

-

631

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges on deposit accounts

659

-

731

694

713

-

667

650

-

-

633

632

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized gains on sales of securities

69

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges on deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

597

-

667

668

633

735

731

711

699

698

723

702

627

648

627

587

492

544

500

485

531

520

559

579

444

568

625

Realized gains on sales of loans

6

16

25

9

4

12

17

23

14

10

44

29

15

29

25

27

16

-

11

18

-

8

6

12

4

3

5

24

26

18

5

5

4

18

33

13

30

48

31

Realized gains on sales of available-for-sale securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

0

11

20

0

27

0

0

-

0

-

-

-

-

-

-

0

0

0

370

47

0

Earnings on bank-owned life insurance

195

-

-

-

130

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

100

-

-

0

BOLI benefit in excess of surrender value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-29

-

-

-

0

-35

-

-

-935

0

-

-

0

-

-

-

-

-

-

-

-

Realized gains on sales of real estate and other repossessed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

11

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized gains (losses) on sales of real estate and other repossessed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

451

0

-14

8

-

-5

-5

-

37

2

Other income

115

-131

247

244

98

-254

213

215

235

-262

215

208

220

-262

364

207

218

-224

216

193

212

-206

203

210

207

-219

224

201

222

-210

218

201

197

-261

245

208

220

196

201

Total noninterest income

1,044

993

1,003

947

945

995

897

888

880

859

892

869

832

856

1,056

902

867

938

987

935

942

942

959

959

838

869

1,791

812

740

803

723

677

740

721

832

895

1,064

896

859

Noninterest Expense
Salaries and employee benefits

2,346

2,286

2,153

2,154

2,183

2,286

1,970

1,876

1,832

1,819

1,799

1,824

1,768

1,836

1,835

1,700

1,650

1,636

1,587

1,575

1,595

1,663

1,643

1,602

1,660

1,691

1,971

1,682

1,733

1,814

1,713

1,651

1,671

1,360

1,632

1,718

1,753

1,747

1,833

Occupancy and equipment

606

579

567

567

550

538

515

547

540

509

529

510

523

509

507

433

448

458

466

503

491

466

487

500

518

489

468

447

478

488

477

424

471

434

458

434

450

433

422

Net realized (gain) loss on sale of other real estate and repossessions

-

-

-

-5

-

-

12

-5

-

-

-16

4

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net realized loss on sale of other real estate and repossessions

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-6

-10

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

7

29

30

30

30

29

30

30

29

30

30

31

29

29

30

31

29

29

30

30

28

Realized losses on sale of real estate and other repossessed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

6

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loss on sale of foreclosed assets

-

-

-

-

-

-

-

-

13

-

-

-

-

-

-

-

-

-

67

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for losses on foreclosed real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

1

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Core processing conversion expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

184

-

Provision for impairment on foreclosed real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

162

10

220

10

0

-

26

52

-

-

0

49

-

70

0

Professional services

277

331

351

307

303

1,353

331

297

192

285

145

194

201

165

175

181

199

124

187

177

191

168

153

210

218

344

91

245

163

281

197

162

186

216

262

242

186

174

206

FDIC insurance

44

-64

27

60

52

67

48

26

49

44

53

44

44

29

63

43

63

59

63

51

63

59

57

72

65

65

75

74

82

73

73

68

74

82

33

120

87

137

145

Insurance

118

128

118

111

111

117

108

105

103

116

91

72

67

60

60

55

50

62

65

59

67

76

73

74

74

73

74

74

63

58

69

63

61

65

73

65

62

97

26

Franchise and other taxes

122

86

108

109

105

64

102

102

96

70

97

96

84

81

76

84

84

69

78

73

67

73

69

70

54

123

126

127

128

135

123

127

128

120

129

126

118

126

127

Advertising

75

-29

137

138

137

93

138

125

137

109

108

100

109

87

86

66

85

47

84

85

84

88

102

121

106

82

96

103

122

78

160

86

70

28

61

61

62

93

54

Stationery and office supplies

26

33

33

28

42

61

30

38

36

19

24

33

36

32

28

28

29

32

33

32

45

47

46

51

41

61

46

45

45

60

61

45

67

50

75

55

45

57

80

OREO and repossession losses

-

-

-

-

5

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of intangibles

37

-

38

37

37

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net realized (gain) loss on sale of other real estate and repossessions

-

-

-

-5

-

-

12

-5

-

-

-16

4

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15

0

-

-

-

-

-

-

-

-

-

-

Core processing conversion expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7

-

-

Other expenses

759

753

630

656

637

564

625

633

581

515

594

496

502

545

509

651

533

570

545

528

501

522

579

570

552

438

638

497

564

547

554

473

476

619

548

574

494

539

550

Total noninterest expense

4,410

3,986

4,162

4,172

4,162

5,235

3,855

3,754

3,579

3,494

3,456

3,365

3,334

3,334

3,345

3,251

3,141

3,062

3,182

3,112

3,134

3,121

3,240

3,299

3,486

3,404

3,834

3,349

3,408

3,576

3,482

3,180

3,234

3,036

3,300

3,473

3,294

3,687

3,471

Income Before Federal Income Taxes

1,705

1,858

1,916

1,834

1,801

674

1,600

1,462

1,346

1,492

1,548

1,331

1,219

1,332

1,314

1,296

1,218

1,233

1,219

1,136

970

995

1,014

958

607

830

1,086

550

502

578

569

965

832

1,060

1,061

920

904

709

816

Provision for Federal Income Taxes

126

89

135

188

187

83

269

250

198

712

548

415

369

432

386

389

373

367

360

331

276

263

296

242

122

231

7

81

37

123

118

234

71

260

260

168

166

-1

115

Net Income

1,579

1,769

1,781

1,646

1,614

591

1,331

1,212

1,148

780

1,000

916

850

900

928

907

845

866

859

805

694

732

718

716

485

599

1,079

469

465

455

451

731

761

800

801

752

738

710

701

EARNINGS PER COMMON SHARE
Basic Earnings Per Share

0.28

0.31

0.31

0.29

0.28

0.11

0.25

0.23

0.23

0.16

0.20

0.18

0.17

0.19

0.18

0.18

0.17

0.18

0.17

0.16

0.14

0.16

0.14

0.14

0.10

0.12

0.22

0.10

0.09

0.10

0.09

0.15

0.15

0.17

0.16

0.15

0.15

0.15

0.14

Diluted Earnings Per Share

0.28

0.31

0.31

0.29

0.28

0.11

0.25

0.23

0.23

0.16

0.20

0.18

0.17

0.18

0.18

0.18

0.17

0.17

0.17

0.16

0.14

0.15

0.14

0.14

0.10

0.12

0.22

0.10

0.09

0.09

0.09

0.15

0.15

0.16

0.16

0.15

0.15

0.15

0.14

Dividends Per Share

0.14

-

0.13

0.13

0.13

-

0.13

0.13

0.13

-

0.12

0.11

0.11

0.16

0.11

0.10

0.10

-

0.09

0.09

0.09

-

0.08

0.08

0.08

-

0.07

0.07

0.07

-

0.07

0.14

0.14

-

0.14

0.14

0.14

0.14

0.14