UNITED BANCORP INC /OH/
For the period ended Dec 31, 2025. Filed Mar 18, 2026.
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FY2025 · Filed Mar 18, 2026
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EX-13 · Rate/Volume Analysis
Rate/Volume Analysis
The table below describes the extent to which changes in interest rates and changes in volume of interest-earning assets and interest-bearing liabilities have affected interest income and expense during 2025. For purposes of this table, changes in interest due to volume and rate were determined using the following methods:
| ● | Volume variance results when the change in volume is multiplied by the previous year’s rate. |
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| ● | Rate variance results when the change in rate is multiplied by the previous year’s volume. |
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| ● | Rate/volume variance results when the change in volume is multiplied by the change in rate. |
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**NOTE:**The rate/volume variance was allocated to volume variance and rate variance in proportion to the relationship of the absolute dollar amount of the change in each. Nonaccrual loans are ignored for purposes of the calculations due to the nominal amount of the loans.
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