Home > The Union Bank and Savings Company > Income and Expense
The Union Bank and Savings Company, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,245,000 | 4,426 |
| Total interest expense | $3,210,000 | 4,469 |
| Net interest income | $4,035,000 | 4,272 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $264,000 | 7,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 5,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,106 |
| Total noninterest expense | $2,657,000 | 4,733 |
| Salaries and employee benefits | $1,343,000 | 4,737 |
| Premises and equipment expense | $543,000 | 3,498 |
| Additional noninterest expense | $771,000 | 5,415 |
| Pre-tax net operating income | $1,582,000 | 4,265 |
| Securities gains (losses) | $-40,000 | 11,046 |
| Applicable income taxes | $421,000 | 4,768 |
| Income before extraordinary items | $1,121,000 | 4,186 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,121,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,105 |
| Cash dividends | $428,000 | 3,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,150,200 | 4,078 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,470,000 | 4,541 |
| Total interest expense | $2,645,000 | 4,417 |
| Net interest income | $3,825,000 | 4,555 |
| Provision for loan and lease losses | $35,000 | 6,861 |
| Total noninterest income | $232,000 | 8,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,243 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,565 |
| Total noninterest expense | $2,695,000 | 4,838 |
| Salaries and employee benefits | $1,277,000 | 4,964 |
| Premises and equipment expense | $553,000 | 3,501 |
| Additional noninterest expense | $865,000 | 5,358 |
| Pre-tax net operating income | $1,327,000 | 4,864 |
| Securities gains (losses) | $23,000 | 1,661 |
| Applicable income taxes | $365,000 | 5,096 |
| Income before extraordinary items | $985,000 | 4,594 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $985,000 | 4,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,198 |
| Cash dividends | $316,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $968,210 | 4,686 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,347,000 | 4,719 |
| Total interest expense | $2,588,000 | 4,665 |
| Net interest income | $3,759,000 | 4,655 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $232,000 | 8,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 6,072 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 10,795 |
| Total noninterest expense | $2,686,000 | 4,951 |
| Salaries and employee benefits | $1,245,000 | 5,074 |
| Premises and equipment expense | $567,000 | 3,489 |
| Additional noninterest expense | $874,000 | 5,503 |
| Pre-tax net operating income | $1,155,000 | 5,319 |
| Securities gains (losses) | $129,000 | 2,164 |
| Applicable income taxes | $354,000 | 5,450 |
| Income before extraordinary items | $930,000 | 4,967 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $930,000 | 5,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,932 |
| Cash dividends | $284,000 | 4,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $837,120 | 5,142 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,879,000 | 4,898 |
| Total interest expense | $3,289,000 | 4,794 |
| Net interest income | $3,590,000 | 4,899 |
| Provision for loan and lease losses | $142,000 | 6,265 |
| Total noninterest income | $232,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 6,270 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,672 |
| Total noninterest expense | $2,602,000 | 5,122 |
| Salaries and employee benefits | $1,185,000 | 5,227 |
| Premises and equipment expense | $572,000 | 3,517 |
| Additional noninterest expense | $845,000 | 5,820 |
| Pre-tax net operating income | $1,078,000 | 5,339 |
| Securities gains (losses) | $147,000 | 2,440 |
| Applicable income taxes | $347,000 | 5,391 |
| Income before extraordinary items | $878,000 | 5,010 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $878,000 | 5,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 13,052 |
| Cash dividends | $245,000 | 4,546 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $772,160 | 5,185 |
* 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.