Home > The Union National Bank of Macomb > Income and Expense

The Union National Bank of Macomb, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$7,283,0004,414
Total interest expense$3,102,0004,640
Net interest income$4,181,0004,172
Provision for loan and lease losses$119,0004,742
Total noninterest income$1,040,0003,040
Gross Fiduciary activities income$273,000889
Service charges on deposit accounts$331,0003,934
Trading account gains and fees$0262
Additional Noninterest Income$436,0003,207
Total noninterest expense$3,180,0004,108
Salaries and employee benefits$1,536,0004,225
Premises and equipment expense$485,0003,871
Additional noninterest expense$1,159,0003,896
Pre-tax net operating income$1,922,0003,510
Securities gains (losses)$34,0001,599
Applicable income taxes$665,0003,298
Income before extraordinary items$1,291,0003,649
Extraordinary gains, net$053
Net income$1,291,0003,648
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$165,0002,999
Cash dividends$3,999,000781
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,268,5603,645
1995-12-31 (YTD Data)Rank
Total interest income$7,421,0004,322
Total interest expense$3,186,0004,500
Net interest income$4,235,0004,117
Provision for loan and lease losses$110,0004,388
Total noninterest income$848,0003,520
Gross Fiduciary activities income$211,000989
Service charges on deposit accounts$298,0004,309
Trading account gains and fees$0522
Additional Noninterest Income$339,0003,698
Total noninterest expense$3,322,0003,932
Salaries and employee benefits$1,499,0004,284
Premises and equipment expense$498,0003,773
Additional noninterest expense$1,325,0003,441
Pre-tax net operating income$1,651,0004,109
Securities gains (losses)$30,0001,626
Applicable income taxes$581,0003,739
Income before extraordinary items$1,100,0004,255
Extraordinary gains, net$065
Net income$1,100,0004,252
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,680
Cash dividends$907,0002,208
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,080,5004,299
1994-12-31 (YTD Data)Rank
Total interest income$7,132,0004,151
Total interest expense$2,873,0004,118
Net interest income$4,259,0004,132
Provision for loan and lease losses$506,0001,520
Total noninterest income$949,0003,229
Gross Fiduciary activities income$291,000914
Service charges on deposit accounts$321,0004,122
Trading account gains and fees$0475
Additional Noninterest Income$337,0003,811
Total noninterest expense$3,912,0003,494
Salaries and employee benefits$1,609,0004,016
Premises and equipment expense$469,0004,020
Additional noninterest expense$1,834,0002,776
Pre-tax net operating income$790,0006,922
Securities gains (losses)$2,0003,070
Applicable income taxes$377,0004,980
Income before extraordinary items$415,0008,058
Extraordinary gains, net$0249
Net income$415,0008,064
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,569
Cash dividends$516,0003,111
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$413,7208,104
1993-12-31 (YTD Data)Rank
Total interest income$8,276,0003,694
Total interest expense$3,400,0003,695
Net interest income$4,876,0003,657
Provision for loan and lease losses$71,0006,619
Total noninterest income$1,134,0003,042
Gross Fiduciary activities income$294,000947
Service charges on deposit accounts$392,0003,513
Trading account gains and fees$0532
Additional Noninterest Income$448,0003,499
Total noninterest expense$3,866,0003,598
Salaries and employee benefits$1,585,0004,059
Premises and equipment expense$421,0004,510
Additional noninterest expense$1,860,0002,903
Pre-tax net operating income$2,073,0003,198
Securities gains (losses)$32,0004,013
Applicable income taxes$651,0003,345
Income before extraordinary items$1,454,0003,333
Extraordinary gains, net$03,149
Net income$1,454,0003,435
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0005,721
Cash dividends$1,910,0001,069
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,431,9203,206
1992-12-31 (YTD Data)Rank
Total interest income$9,884,0003,523
Total interest expense$4,685,0003,503
Net interest income$5,199,0003,504
Provision for loan and lease losses$163,0005,860
Total noninterest income$938,0003,498
Gross Fiduciary activities income$260,0001,008
Service charges on deposit accounts$379,0003,666
Trading account gains and fees$0504
Additional Noninterest Income$299,0004,435
Total noninterest expense$3,763,0003,693
Salaries and employee benefits$1,452,0004,349
Premises and equipment expense$444,0004,399
Additional noninterest expense$1,867,0002,969
Pre-tax net operating income$2,211,0002,823
Securities gains (losses)$-2,00012,861
Applicable income taxes$733,0002,829
Income before extraordinary items$1,476,0003,123
Extraordinary gains, net$01,422
Net income$1,476,0003,158
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$58,0007,201
Cash dividends$834,0001,837
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,477,3402,884

* 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.