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Peoples and Union Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$12,291,0002,835
Total interest expense$6,826,0002,465
Net interest income$5,465,0003,225
Provision for loan and lease losses$80,0005,752
Total noninterest income$720,0003,923
Gross Fiduciary activities income$71,000998
Service charges on deposit accounts$497,0002,714
Trading account gains and fees$0180
Additional Noninterest Income$152,0005,433
Total noninterest expense$2,395,0005,005
Salaries and employee benefits$1,718,0003,921
Premises and equipment expense$267,0005,811
Additional noninterest expense$410,0007,070
Pre-tax net operating income$3,710,0001,972
Securities gains (losses)$01,956
Applicable income taxes$1,354,0001,645
Income before extraordinary items$2,356,0002,196
Extraordinary gains, net$038
Net income$2,356,0002,196
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0006,205
Cash dividends$1,200,0001,976
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,356,0002,205
1999-12-31 (YTD Data)Rank
Total interest income$10,583,0003,049
Total interest expense$5,288,0002,765
Net interest income$5,295,0003,283
Provision for loan and lease losses$80,0005,643
Total noninterest income$665,0004,136
Gross Fiduciary activities income$83,0001,021
Service charges on deposit accounts$359,0003,503
Trading account gains and fees$0173
Additional Noninterest Income$223,0004,688
Total noninterest expense$2,387,0005,044
Salaries and employee benefits$1,680,0003,964
Premises and equipment expense$278,0005,710
Additional noninterest expense$429,0007,055
Pre-tax net operating income$3,493,0002,095
Securities gains (losses)$03,155
Applicable income taxes$1,308,0001,774
Income before extraordinary items$2,185,0002,387
Extraordinary gains, net$035
Net income$2,185,0002,388
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,271
Cash dividends$1,900,0001,426
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,185,0002,357
1998-12-31 (YTD Data)Rank
Total interest income$10,027,0003,224
Total interest expense$5,118,0002,930
Net interest income$4,909,0003,464
Provision for loan and lease losses$80,0005,577
Total noninterest income$589,0004,438
Gross Fiduciary activities income$66,0001,071
Service charges on deposit accounts$357,0003,453
Trading account gains and fees$0224
Additional Noninterest Income$166,0005,426
Total noninterest expense$2,311,0005,043
Salaries and employee benefits$1,609,0004,020
Premises and equipment expense$262,0005,799
Additional noninterest expense$440,0006,886
Pre-tax net operating income$3,107,0002,297
Securities gains (losses)$04,449
Applicable income taxes$1,165,0002,051
Income before extraordinary items$1,942,0002,625
Extraordinary gains, net$032
Net income$1,942,0002,626
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0006,598
Cash dividends$1,800,0001,452
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,942,0002,546
1997-12-31 (YTD Data)Rank
Total interest income$9,766,0003,304
Total interest expense$4,947,0003,010
Net interest income$4,819,0003,615
Provision for loan and lease losses$80,0005,644
Total noninterest income$549,0004,699
Gross Fiduciary activities income$67,0001,120
Service charges on deposit accounts$380,0003,361
Trading account gains and fees$0239
Additional Noninterest Income$102,0006,733
Total noninterest expense$2,188,0005,312
Salaries and employee benefits$1,527,0004,186
Premises and equipment expense$255,0005,987
Additional noninterest expense$406,0007,300
Pre-tax net operating income$3,100,0002,417
Securities gains (losses)$6,0002,665
Applicable income taxes$1,173,0002,125
Income before extraordinary items$1,933,0002,660
Extraordinary gains, net$044
Net income$1,933,0002,659
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$64,0004,696
Cash dividends$7,400,000464
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,929,1602,624
1996-12-31 (YTD Data)Rank
Total interest income$9,548,0003,419
Total interest expense$4,609,0003,243
Net interest income$4,939,0003,566
Provision for loan and lease losses$80,0005,594
Total noninterest income$511,0005,081
Gross Fiduciary activities income$79,0001,158
Service charges on deposit accounts$360,0003,665
Trading account gains and fees$0262
Additional Noninterest Income$72,0008,006
Total noninterest expense$2,127,0005,686
Salaries and employee benefits$1,448,0004,459
Premises and equipment expense$243,0006,346
Additional noninterest expense$436,0007,582
Pre-tax net operating income$3,243,0002,208
Securities gains (losses)$3,0003,304
Applicable income taxes$1,129,0002,109
Income before extraordinary items$2,117,0002,318
Extraordinary gains, net$053
Net income$2,117,0002,319
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$38,0005,803
Cash dividends$2,000,0001,264
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,115,0502,274
1995-12-31 (YTD Data)Rank
Total interest income$8,928,0003,644
Total interest expense$4,238,0003,506
Net interest income$4,690,0003,747
Provision for loan and lease losses$80,0005,097
Total noninterest income$529,0004,975
Gross Fiduciary activities income$96,0001,174
Service charges on deposit accounts$345,0003,820
Trading account gains and fees$0522
Additional Noninterest Income$88,0007,639
Total noninterest expense$2,167,0005,630
Salaries and employee benefits$1,364,0004,669
Premises and equipment expense$283,0005,881
Additional noninterest expense$520,0007,103
Pre-tax net operating income$2,972,0002,454
Securities gains (losses)$8,0002,536
Applicable income taxes$1,005,0002,372
Income before extraordinary items$1,975,0002,542
Extraordinary gains, net$065
Net income$1,975,0002,542
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0006,002
Cash dividends$1,831,0001,316
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,969,7202,519
1994-12-31 (YTD Data)Rank
Total interest income$8,147,0003,679
Total interest expense$3,277,0003,664
Net interest income$4,870,0003,651
Provision for loan and lease losses$73,0005,231
Total noninterest income$489,0005,377
Gross Fiduciary activities income$71,0001,247
Service charges on deposit accounts$311,0004,240
Trading account gains and fees$0475
Additional Noninterest Income$107,0007,294
Total noninterest expense$2,205,0005,726
Salaries and employee benefits$1,340,0004,755
Premises and equipment expense$280,0006,002
Additional noninterest expense$585,0007,147
Pre-tax net operating income$3,081,0002,304
Securities gains (losses)$-41,00010,890
Applicable income taxes$1,007,0002,227
Income before extraordinary items$2,033,0002,387
Extraordinary gains, net$0249
Net income$2,033,0002,387
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,00010,341
Cash dividends$1,242,0001,609
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,060,4702,380
1993-12-31 (YTD Data)Rank
Total interest income$7,839,0003,881
Total interest expense$2,842,0004,312
Net interest income$4,997,0003,576
Provision for loan and lease losses$80,0006,310
Total noninterest income$394,0006,554
Gross Fiduciary activities income$2,0001,590
Service charges on deposit accounts$299,0004,445
Trading account gains and fees$0532
Additional Noninterest Income$93,0008,112
Total noninterest expense$2,164,0005,948
Salaries and employee benefits$1,289,0004,923
Premises and equipment expense$276,0006,244
Additional noninterest expense$599,0007,344
Pre-tax net operating income$3,147,0002,171
Securities gains (losses)$7,0005,826
Applicable income taxes$994,0002,271
Income before extraordinary items$2,160,0002,313
Extraordinary gains, net$03,149
Net income$2,160,0002,402
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0009,554
Cash dividends$1,178,0001,549
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,155,2402,185
1992-12-31 (YTD Data)Rank
Total interest income$8,374,0004,131
Total interest expense$3,212,0004,877
Net interest income$5,162,0003,526
Provision for loan and lease losses$80,0007,886
Total noninterest income$369,0006,857
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$292,0004,546
Trading account gains and feesNANA
Additional Noninterest Income$77,0008,979
Total noninterest expense$2,095,0006,149
Salaries and employee benefits$1,272,0004,914
Premises and equipment expense$237,0007,033
Additional noninterest expense$586,0007,638
Pre-tax net operating income$3,356,0001,845
Securities gains (losses)$21,0005,524
Applicable income taxes$1,024,0002,064
Income before extraordinary items$2,353,0001,943
Extraordinary gains, net$01,422
Net income$2,353,0001,974
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0009,883
Cash dividends$1,070,0001,459
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,338,3001,803

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.