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The Union Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,868,000	6,983
Total interest expense	$1,672,000	7,157
Net interest income	$2,196,000	6,775
Provision for loan and lease losses	$798,000	1,210
Total noninterest income	$692,000	4,147
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$404,000	3,316
Trading account gains and fees	NA	NA
Additional Noninterest Income	$288,000	4,174
Total noninterest expense	$1,811,000	6,358
Salaries and employee benefits	$899,000	6,471
Premises and equipment expense	$495,000	3,812
Additional noninterest expense	$417,000	7,744
Pre-tax net operating income	$279,000	9,268
Securities gains (losses)	$22,000	1,932
Applicable income taxes	$264,000	6,251
Income before extraordinary items	$37,000	10,642
Extraordinary gains, net	$0	53
Net income	$37,000	10,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	2,928
Cash dividends	$23,000	8,012
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$22,920	10,673
1995-12-31 (YTD Data)		Rank
Total interest income	$3,851,000	7,156
Total interest expense	$1,656,000	7,260
Net interest income	$2,195,000	6,874
Provision for loan and lease losses	$99,000	4,670
Total noninterest income	$448,000	5,563
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$350,000	3,768
Trading account gains and fees	NA	NA
Additional Noninterest Income	$98,000	7,303
Total noninterest expense	$1,661,000	6,821
Salaries and employee benefits	$919,000	6,468
Premises and equipment expense	$285,000	5,860
Additional noninterest expense	$457,000	7,639
Pre-tax net operating income	$883,000	6,498
Securities gains (losses)	$0	3,831
Applicable income taxes	$275,000	6,302
Income before extraordinary items	$608,000	6,567
Extraordinary gains, net	$0	65
Net income	$608,000	6,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	3,500
Cash dividends	$23,000	8,339
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$608,000	6,551
1994-12-31 (YTD Data)		Rank
Total interest income	$3,460,000	7,392
Total interest expense	$1,295,000	7,567
Net interest income	$2,165,000	7,161
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$499,000	5,302
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$355,000	3,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	6,323
Total noninterest expense	$1,584,000	7,349
Salaries and employee benefits	$875,000	6,787
Premises and equipment expense	$271,000	6,158
Additional noninterest expense	$438,000	8,450
Pre-tax net operating income	$1,020,000	5,870
Securities gains (losses)	$0	3,600
Applicable income taxes	$324,000	5,588
Income before extraordinary items	$696,000	5,938
Extraordinary gains, net	$0	249
Net income	$696,000	5,954
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	4,022
Cash dividends	$23,000	8,537
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$696,000	5,999
1993-12-31 (YTD Data)		Rank
Total interest income	$2,987,000	8,357
Total interest expense	$1,098,000	8,695
Net interest income	$1,889,000	7,979
Provision for loan and lease losses	$75,000	6,449
Total noninterest income	$404,000	6,424
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$353,000	3,847
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	10,038
Total noninterest expense	$1,451,000	7,994
Salaries and employee benefits	$790,000	7,386
Premises and equipment expense	$240,000	6,887
Additional noninterest expense	$421,000	9,020
Pre-tax net operating income	$767,000	6,989
Securities gains (losses)	$67,000	3,024
Applicable income taxes	$256,000	6,691
Income before extraordinary items	$578,000	6,947
Extraordinary gains, net	$0	3,149
Net income	$578,000	7,124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	6,663
Cash dividends	$23,000	8,627
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$531,770	7,036
1992-12-31 (YTD Data)		Rank
Total interest income	$3,105,000	8,793
Total interest expense	$1,313,000	9,181
Net interest income	$1,792,000	8,370
Provision for loan and lease losses	$121,000	6,692
Total noninterest income	$374,000	6,796
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$309,000	4,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	9,539
Total noninterest expense	$1,452,000	8,092
Salaries and employee benefits	$753,000	7,588
Premises and equipment expense	$251,000	6,759
Additional noninterest expense	$448,000	8,986
Pre-tax net operating income	$593,000	7,760
Securities gains (losses)	$223,000	1,860
Applicable income taxes	$245,000	6,743
Income before extraordinary items	$571,000	6,765
Extraordinary gains, net	$0	1,422
Net income	$571,000	6,854
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	5,426
Cash dividends	$143,000	5,906
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$414,900	7,719

* 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.