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Income Statement
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Balance Sheet
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Income Overview
Net Income
$1,931K
EPS
$0.34
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
2025-03-31
2024-09-30
Loans, including fees
7,760
7,680
7,327
7,232
Taxable
388
388
387
484
Non-taxable
1,957
1,858
1,896
1,878
Federal funds sold
439
395
138
254
Dividends on federal home loan bank stock and other stock
91
90
94
96
Total interest and dividend income
10,635
10,411
9,842
9,944
Interest expense, time deposits
-
-
-
1,617
Interest expense, savings deposits
-
-
-
30
Interest expense, demand deposit accounts
-
-
-
434
Deposits
2,260
2,188
2,015
-
Borrowings
1,646
1,628
1,580
1,724
Total interest expense
3,906
3,816
3,595
3,805
Net interest income
6,729
6,595
6,247
6,139
Provision for credit loss expense - loans
186
206
96
69
Reversal of credit loss expense - off balance sheet commitments
-
0
-
-
Provision for credit loss expense
186
206
96
69
Net interest income after provision for credit losses
6,543
6,389
6,151
6,070
Total noninterest income
1,348
1,390
1,281
1,215
Salaries and employee benefits
3,049
2,869
2,837
2,757
Occupancy and equipment
639
620
630
573
Professional services
449
508
342
398
Data processing and related electronic services
426
409
366
-
Fdic insurance
94
94
94
108
Insurance
168
159
162
157
Investment income, amortization of premium
-
-
-
38
Franchise and other taxes
145
127
145
148
Advertising
138
130
130
124
Stationery and office supplies
23
38
31
30
Amortization of intangibles
38
38
37
-
Other expenses
811
851
812
1,196
Total noninterest expense
5,980
5,843
5,586
5,529
Income before federal income taxes
1,911
1,936
1,846
1,756
Provision (benefit) for federal income taxes
-20
22
-26
-64
Net income
1,931
1,914
1,872
1,820
Basic EPS
0.34
0.33
0.32
0.31
Diluted EPS
0.34
0.33
0.32
0.31
Basic Average Shares
5,486,221
5,491,322
5,566,428
5,621,393
Diluted Average Shares
5,486,221
5,491,322
5,566,428
5,621,393
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$7,760K
(7.30%↑ Y/Y)
Non-taxable
$1,957K
(4.21%↑ Y/Y)
Federal funds sold
$439K
(72.83%↑ Y/Y)
Taxable
$388K
(-19.83%↓ Y/Y)
Dividends on federal home
loan bank stock and...
$91K
(-5.21%↓ Y/Y)
Total interest and
dividend income
$10,635K
(6.95%↑ Y/Y)
Net interest income
$6,729K
(9.61%↑ Y/Y)
Service charges on
deposit accounts
$857K
(11.73%↑ Y/Y)
Earnings on bank-owned
life insurance
$192K
Other income
$181K
(-35.36%↓ Y/Y)
Realized gains on sales of
loans
$118K
(-29.76%↓ Y/Y)
Total interest
expense
$3,906K
(2.65%↑ Y/Y)
Net interest income
after provision for...
$6,543K
(7.79%↑ Y/Y)
Total noninterest
income
$1,348K
(10.95%↑ Y/Y)
Provision for credit loss
expense
$186K
(169.57%↑ Y/Y)
Deposits
$2,260K
Borrowings
$1,646K
(-4.52%↓ Y/Y)
Income before federal
income taxes
$1,911K
(8.83%↑ Y/Y)
Provision (benefit) for
federal income taxes
-$20K
(68.75%↑ Y/Y)
Total noninterest
expense
$5,980K
(8.16%↑ Y/Y)
Provision for credit loss
expense - loans
$186K
(169.57%↑ Y/Y)
Net income
$1,931K
(6.10%↑ Y/Y)
Salaries and employee
benefits
$3,049K
(10.59%↑ Y/Y)
Other expenses
$811K
(-32.19%↓ Y/Y)
Occupancy and equipment
$639K
(11.52%↑ Y/Y)
Professional services
$449K
(12.81%↑ Y/Y)
Data processing and
related electronic...
$426K
Insurance
$168K
(7.01%↑ Y/Y)
Franchise and other taxes
$145K
(-2.03%↓ Y/Y)
Advertising
$138K
(11.29%↑ Y/Y)
Fdic insurance
$94K
(-12.96%↓ Y/Y)
Amortization of intangibles
$38K
Stationery and office
supplies
$23K
(-23.33%↓ Y/Y)
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UNITED BANCORP INC OH (UBCP)
UNITED BANCORP INC OH (UBCP)