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The Union Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,812,000	7,037
Total interest expense	$1,838,000	6,759
Net interest income	$1,974,000	7,203
Provision for loan and lease losses	$-110,000	11,287
Total noninterest income	$140,000	9,172
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	7,820
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	8,719
Total noninterest expense	$1,108,000	8,304
Salaries and employee benefits	$622,000	7,990
Premises and equipment expense	$151,000	8,033
Additional noninterest expense	$335,000	8,520
Pre-tax net operating income	$1,116,000	5,361
Securities gains (losses)	$0	4,148
Applicable income taxes	$402,000	4,875
Income before extraordinary items	$714,000	5,700
Extraordinary gains, net	$0	53
Net income	$714,000	5,701
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-53,000	11,051
Cash dividends	$1,316,000	1,746
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$714,000	5,645
1995-12-31 (YTD Data)		Rank
Total interest income	$3,620,000	7,402
Total interest expense	$1,618,000	7,362
Net interest income	$2,002,000	7,310
Provision for loan and lease losses	$-475,000	11,900
Total noninterest income	$148,000	9,351
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$88,000	8,082
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	8,751
Total noninterest expense	$1,171,000	8,310
Salaries and employee benefits	$610,000	8,295
Premises and equipment expense	$167,000	7,878
Additional noninterest expense	$394,000	8,248
Pre-tax net operating income	$1,454,000	4,573
Securities gains (losses)	$0	3,831
Applicable income taxes	$544,000	3,942
Income before extraordinary items	$910,000	4,946
Extraordinary gains, net	$0	65
Net income	$910,000	4,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-342,000	11,911
Cash dividends	$660,000	2,753
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$910,000	4,935
1994-12-31 (YTD Data)		Rank
Total interest income	$3,422,000	7,449
Total interest expense	$1,304,000	7,540
Net interest income	$2,118,000	7,275
Provision for loan and lease losses	$0	9,146
Total noninterest income	$143,000	9,846
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	8,715
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	8,924
Total noninterest expense	$1,138,000	8,842
Salaries and employee benefits	$590,000	8,679
Premises and equipment expense	$162,000	8,250
Additional noninterest expense	$386,000	8,964
Pre-tax net operating income	$1,123,000	5,491
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$398,000	4,788
Income before extraordinary items	$726,000	5,759
Extraordinary gains, net	$0	249
Net income	$726,000	5,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-138,000	12,321
Cash dividends	$2,107,000	1,058
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$725,350	5,842
1993-12-31 (YTD Data)		Rank
Total interest income	$3,529,000	7,496
Total interest expense	$1,450,000	7,375
Net interest income	$2,079,000	7,458
Provision for loan and lease losses	$135,000	4,908
Total noninterest income	$170,000	9,812
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	9,178
Trading account gains and fees	NA	NA
Additional Noninterest Income	$95,000	8,045
Total noninterest expense	$1,389,000	8,225
Salaries and employee benefits	$667,000	8,248
Premises and equipment expense	$201,000	7,662
Additional noninterest expense	$521,000	8,025
Pre-tax net operating income	$725,000	7,228
Securities gains (losses)	$15,000	5,022
Applicable income taxes	$282,000	6,308
Income before extraordinary items	$458,000	7,901
Extraordinary gains, net	$75,000	1,837
Net income	$533,000	7,454
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-416,000	13,215
Cash dividends	$358,000	3,947
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$448,400	7,725
1992-12-31 (YTD Data)		Rank
Total interest income	$4,083,000	7,404
Total interest expense	$1,837,000	7,518
Net interest income	$2,246,000	7,137
Provision for loan and lease losses	$470,000	3,134
Total noninterest income	$270,000	8,178
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	9,234
Trading account gains and fees	NA	NA
Additional Noninterest Income	$192,000	5,803
Total noninterest expense	$1,391,000	8,334
Salaries and employee benefits	$703,000	7,957
Premises and equipment expense	$187,000	8,147
Additional noninterest expense	$501,000	8,449
Pre-tax net operating income	$655,000	7,358
Securities gains (losses)	$58,000	3,883
Applicable income taxes	$277,000	6,260
Income before extraordinary items	$436,000	7,877
Extraordinary gains, net	$0	1,422
Net income	$436,000	7,998
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	5,695
Cash dividends	$193,000	5,200
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$398,880	7,876

* 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.