United bancorp inc /oh/ (UBCP)
Income statement / TTM
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

22,397

21,790

21,241

20,616

19,779

18,875

18,122

17,584

17,117

16,803

16,544

16,213

16,155

16,018

15,834

15,738

15,523

15,325

15,250

15,290

15,392

15,603

15,801

15,840

15,888

15,992

16,205

16,366

16,555

16,776

16,884

17,141

17,441

17,541

17,687

17,626

0

0

0

Securities
Taxable

1,014

996

919

812

796

765

695

624

552

481

418

385

347

325

312

317

344

327

313

281

252

259

266

286

261

294

329

402

598

708

866

1,071

1,239

1,374

1,556

1,852

0

0

0

Non-taxable

4,177

3,704

3,129

2,494

1,926

1,234

674

313

33

7

21

39

60

81

99

120

137

157

183

206

232

254

278

291

344

391

448

519

561

640

725

826

948

1,055

1,198

1,342

0

0

0

Federal funds sold

277

333

425

377

255

197

114

155

167

151

121

60

40

36

43

47

51

61

70

75

78

72

69

86

100

129

165

155

136

106

60

41

28

24

39

58

0

0

0

Dividends on Federal Home Loan Bank and other stock

173

211

235

252

254

249

241

233

223

209

200

187

179

175

168

186

206

212

212

193

185

189

203

212

210

219

220

240

240

232

224

203

208

217

244

288

0

0

0

Total interest and dividend income

28,038

27,034

25,949

24,551

23,010

21,320

19,846

18,909

18,092

17,651

17,304

16,884

16,781

16,635

16,456

16,408

16,261

16,082

16,028

16,045

16,139

16,377

16,617

16,715

16,803

17,025

17,367

17,682

18,090

18,462

18,759

19,282

19,864

20,211

20,724

21,166

0

0

0

Interest Expense
Deposits

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

Demand

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

0

0

Savings

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

0

0

Time

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

0

0

Borrowings

1,779

1,296

861

672

602

587

571

433

402

545

712

847

954

1,019

1,093

1,166

1,236

1,278

1,281

1,283

1,283

1,286

1,290

1,338

1,399

1,461

1,520

1,542

1,553

1,562

1,573

1,580

1,641

1,730

1,848

1,982

0

0

0

Total interest expense

6,601

6,123

5,457

4,624

3,862

3,178

2,562

2,118

1,849

1,764

1,765

1,748

1,747

1,784

1,886

2,032

2,177

2,283

2,347

2,384

2,422

2,467

2,519

2,654

2,829

3,033

3,258

3,460

3,659

3,861

4,068

4,257

4,483

4,707

5,199

5,773

0

0

0

Net Interest Income

21,437

20,911

20,492

19,927

19,148

18,142

17,284

16,791

16,243

15,887

15,539

15,136

15,034

14,851

14,570

14,376

14,084

13,799

13,681

13,661

13,717

13,910

14,098

14,061

13,974

13,992

14,109

14,222

14,431

14,601

14,691

15,025

15,381

15,504

15,525

15,393

0

0

0

Provision for Loan Losses

1,381

908

426

378

330

297

226

179

132

100

69

175

255

301

473

468

508

553

618

717

788

888

885

1,014

1,138

1,241

1,372

1,286

1,114

1,128

1,194

1,327

1,653

1,968

1,864

1,833

0

0

0

Net Interest Income After Provision for Loan Losses

20,056

20,003

20,066

19,549

18,818

17,845

17,058

16,612

16,111

15,787

15,470

14,961

14,779

14,550

14,097

13,908

13,576

13,246

13,063

12,944

12,929

13,022

13,213

13,047

12,836

12,751

12,737

12,936

13,317

13,473

13,497

13,698

13,728

13,536

13,661

13,560

0

0

0

Noninterest income
Service charges on deposit accounts

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges on deposit accounts

0

-

0

0

0

-

0

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized gains on sales of securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges on deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

2,558

-

2,703

2,767

2,810

2,876

2,839

2,831

2,822

2,750

2,700

2,604

2,489

2,354

2,250

2,123

2,021

2,060

2,036

2,095

2,189

2,102

2,150

2,216

0

0

0

Realized gains on sales of loans

56

54

50

42

56

66

64

91

97

98

117

98

96

97

0

0

0

-

0

0

-

30

25

24

36

58

73

73

54

32

32

60

68

94

124

122

0

0

0

Realized gains on sales of available-for-sale securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

32

31

58

47

27

27

0

0

-

0

-

-

-

-

-

-

370

417

417

0

0

0

Earnings on bank-owned life insurance

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

0

BOLI benefit in excess of surrender value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

0

-

-

0

0

-

-

0

-

-

-

-

-

-

-

-

Realized gains on sales of real estate and other repossessed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

445

-11

-16

0

-

0

0

-

0

0

Other income

475

458

335

301

272

409

401

403

396

381

381

530

529

527

565

417

403

397

415

402

419

414

401

422

413

428

437

431

431

406

355

382

389

412

869

825

0

0

0

Total noninterest income

3,987

3,888

3,890

3,784

3,725

3,660

3,524

3,519

3,500

3,452

3,449

3,613

3,646

3,681

3,763

3,694

3,727

3,802

3,806

3,778

3,802

3,698

3,625

4,457

4,310

4,212

4,146

3,078

2,943

2,943

2,861

2,970

3,188

3,512

3,687

3,714

0

0

0

Noninterest Expense
Salaries and employee benefits

8,939

8,776

8,776

8,593

8,315

7,964

7,497

7,326

7,274

7,210

7,227

7,263

7,139

7,021

6,821

6,573

6,448

6,393

6,420

6,476

6,503

6,568

6,596

6,924

7,004

7,077

7,200

6,942

6,911

6,849

6,395

6,314

6,381

6,463

6,850

7,051

0

0

0

Occupancy and equipment

2,319

2,263

2,222

2,170

2,150

2,140

2,111

2,125

2,088

2,071

2,071

2,049

1,972

1,897

1,846

1,805

1,875

1,918

1,926

1,947

1,944

1,971

1,994

1,975

1,922

1,882

1,881

1,890

1,867

1,860

1,806

1,787

1,797

1,776

1,775

1,739

0

0

0

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

-

-

-

0

-

-

0

0

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net realized loss on sale of other real estate and repossessions

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

66

96

119

119

119

119

118

119

119

120

120

119

119

119

119

119

119

118

117

0

0

0

Realized losses on sale of real estate and other repossessed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loss on sale of foreclosed assets

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for losses on foreclosed real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Core processing conversion expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Provision for impairment on foreclosed real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

392

402

240

256

88

0

-

0

0

-

-

0

0

-

0

0

Professional services

1,266

1,292

2,314

2,294

2,284

2,173

1,105

919

816

825

705

735

722

720

679

691

687

679

723

689

722

749

925

863

898

843

780

886

803

826

761

826

906

906

864

808

0

0

0

FDIC insurance

67

75

206

227

193

190

167

172

190

185

170

180

179

198

228

228

236

236

236

230

251

253

259

277

279

296

304

302

296

288

297

257

309

322

377

489

0

0

0

Insurance

475

468

457

447

441

433

432

415

382

346

290

259

242

225

227

232

236

253

267

275

290

297

294

295

295

284

269

264

253

251

258

262

264

265

297

250

0

0

0

Franchise and other taxes

425

408

386

380

373

364

370

365

359

347

358

337

325

325

313

315

304

287

291

282

279

266

316

373

430

504

516

513

513

513

498

504

503

493

499

497

0

0

0

Advertising

321

383

505

506

493

493

509

479

454

426

404

382

348

324

284

282

301

300

341

359

395

417

411

405

387

403

399

463

446

394

344

245

220

212

0

0

0

0

0

Stationery and office supplies

120

136

164

161

171

165

123

117

112

112

125

129

124

117

117

122

126

142

157

170

189

185

199

199

193

197

196

211

211

233

223

237

247

225

232

237

0

0

0

OREO and repossession losses

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of intangibles

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

-

0

-

-

0

0

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

Core processing conversion expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

Other expenses

2,798

2,676

2,487

2,482

2,459

2,403

2,354

2,323

2,186

2,107

2,137

2,052

2,207

2,238

2,263

2,299

2,176

2,144

2,096

2,130

2,172

2,223

2,139

2,198

2,125

2,137

2,246

2,162

2,138

2,050

2,122

2,116

2,217

2,235

2,155

2,157

0

0

0

Total noninterest expense

16,730

16,482

17,731

17,424

17,006

16,423

14,682

14,283

13,894

13,649

13,489

13,378

13,264

13,071

12,799

12,636

12,497

12,490

12,549

12,607

12,794

13,146

13,429

14,023

14,073

13,995

14,167

13,815

13,646

13,472

12,932

12,750

13,043

13,103

13,754

13,925

0

0

0

Income Before Federal Income Taxes

7,313

7,409

6,225

5,909

5,537

5,082

5,900

5,848

5,717

5,590

5,430

5,196

5,161

5,160

5,061

4,966

4,806

4,558

4,320

4,115

3,937

3,574

3,409

3,481

3,073

2,968

2,716

2,199

2,614

2,944

3,426

3,918

3,873

3,945

3,594

3,349

0

0

0

Provision for Federal Income Taxes

538

599

593

727

789

800

1,429

1,708

1,873

2,044

1,764

1,602

1,576

1,580

1,515

1,489

1,431

1,334

1,230

1,166

1,077

923

891

602

441

356

248

359

512

546

683

825

759

854

593

448

0

0

0

Net Income

6,775

6,810

5,632

5,182

4,748

4,282

4,471

4,140

3,844

3,546

3,666

3,594

3,585

3,580

3,546

3,477

3,375

3,224

3,090

2,949

2,860

2,651

2,518

2,879

2,632

2,612

2,468

1,840

2,102

2,398

2,743

3,093

3,114

3,091

3,001

2,901

0

0

0

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