Home > The Union National Bank of Westminster > Income and Expense
The Union National Bank of Westminster, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,427,000 | 1,525 |
| Total interest expense | $10,232,000 | 1,468 |
| Net interest income | $11,195,000 | 1,553 |
| Provision for loan and lease losses | $255,000 | 3,010 |
| Total noninterest income | $2,500,000 | 1,567 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,261,000 | 1,056 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,239,000 | 1,595 |
| Total noninterest expense | $9,005,000 | 1,544 |
| Salaries and employee benefits | $5,086,000 | 1,362 |
| Premises and equipment expense | $1,650,000 | 1,225 |
| Additional noninterest expense | $2,269,000 | 1,918 |
| Pre-tax net operating income | $4,435,000 | 1,699 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,230,000 | 1,874 |
| Income before extraordinary items | $3,205,000 | 1,664 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,205,000 | 1,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,160 |
| Cash dividends | $888,000 | 2,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,205,000 | 1,637 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,377,000 | 1,596 |
| Total interest expense | $9,836,000 | 1,556 |
| Net interest income | $10,541,000 | 1,616 |
| Provision for loan and lease losses | $246,000 | 3,028 |
| Total noninterest income | $1,448,000 | 2,328 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,105,000 | 1,145 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $343,000 | 3,738 |
| Total noninterest expense | $8,146,000 | 1,624 |
| Salaries and employee benefits | $4,523,000 | 1,444 |
| Premises and equipment expense | $1,284,000 | 1,528 |
| Additional noninterest expense | $2,339,000 | 1,807 |
| Pre-tax net operating income | $3,597,000 | 2,020 |
| Securities gains (losses) | $107,000 | 1,228 |
| Applicable income taxes | $1,059,000 | 2,202 |
| Income before extraordinary items | $2,645,000 | 1,981 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,645,000 | 1,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,016 |
| Cash dividends | $741,000 | 2,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,569,030 | 1,956 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,214,000 | 1,815 |
| Total interest expense | $8,393,000 | 1,847 |
| Net interest income | $9,821,000 | 1,778 |
| Provision for loan and lease losses | $275,000 | 2,782 |
| Total noninterest income | $1,327,000 | 2,423 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,023,000 | 1,250 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $304,000 | 3,901 |
| Total noninterest expense | $7,291,000 | 1,779 |
| Salaries and employee benefits | $4,057,000 | 1,618 |
| Premises and equipment expense | $1,187,000 | 1,653 |
| Additional noninterest expense | $2,047,000 | 2,046 |
| Pre-tax net operating income | $3,582,000 | 2,099 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,170,000 | 2,131 |
| Income before extraordinary items | $2,412,000 | 2,181 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,412,000 | 2,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,186 |
| Cash dividends | $592,000 | 3,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,412,000 | 2,128 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,361,000 | 1,948 |
| Total interest expense | $8,099,000 | 1,935 |
| Net interest income | $9,262,000 | 1,936 |
| Provision for loan and lease losses | $329,000 | 2,413 |
| Total noninterest income | $1,086,000 | 2,922 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $796,000 | 1,680 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $290,000 | 4,158 |
| Total noninterest expense | $6,913,000 | 2,027 |
| Salaries and employee benefits | $3,879,000 | 1,707 |
| Premises and equipment expense | $1,138,000 | 1,770 |
| Additional noninterest expense | $1,896,000 | 2,583 |
| Pre-tax net operating income | $3,106,000 | 2,295 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,053,000 | 2,237 |
| Income before extraordinary items | $2,053,000 | 2,405 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,053,000 | 2,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 1,958 |
| Cash dividends | $660,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,053,000 | 2,355 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,091,000 | 1,969 |
| Total interest expense | $8,092,000 | 1,933 |
| Net interest income | $8,999,000 | 1,997 |
| Provision for loan and lease losses | $212,000 | 2,892 |
| Total noninterest income | $979,000 | 3,149 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $723,000 | 1,873 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $256,000 | 4,412 |
| Total noninterest expense | $7,045,000 | 1,964 |
| Salaries and employee benefits | $3,721,000 | 1,783 |
| Premises and equipment expense | $1,008,000 | 2,009 |
| Additional noninterest expense | $2,316,000 | 2,132 |
| Pre-tax net operating income | $2,721,000 | 2,648 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $917,000 | 2,561 |
| Income before extraordinary items | $1,803,000 | 2,735 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,803,000 | 2,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,470 |
| Cash dividends | $525,000 | 3,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,803,660 | 2,707 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,109,000 | 2,060 |
| Total interest expense | $6,289,000 | 1,986 |
| Net interest income | $8,820,000 | 2,043 |
| Provision for loan and lease losses | $342,000 | 2,062 |
| Total noninterest income | $1,406,000 | 2,427 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,191,000 | 1,117 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $215,000 | 5,040 |
| Total noninterest expense | $6,781,000 | 2,098 |
| Salaries and employee benefits | $3,393,000 | 1,966 |
| Premises and equipment expense | $941,000 | 2,149 |
| Additional noninterest expense | $2,447,000 | 2,171 |
| Pre-tax net operating income | $3,103,000 | 2,287 |
| Securities gains (losses) | $-91,000 | 11,473 |
| Applicable income taxes | $996,000 | 2,248 |
| Income before extraordinary items | $2,016,000 | 2,413 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,016,000 | 2,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,738 |
| Cash dividends | $492,000 | 3,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,076,970 | 2,363 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,790,000 | 2,116 |
| Total interest expense | $6,171,000 | 2,106 |
| Net interest income | $8,619,000 | 2,094 |
| Provision for loan and lease losses | $425,000 | 2,350 |
| Total noninterest income | $1,021,000 | 3,284 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $762,000 | 1,798 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $259,000 | 4,909 |
| Total noninterest expense | $6,179,000 | 2,328 |
| Salaries and employee benefits | $3,194,000 | 2,074 |
| Premises and equipment expense | $878,000 | 2,324 |
| Additional noninterest expense | $2,107,000 | 2,607 |
| Pre-tax net operating income | $3,036,000 | 2,256 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $1,009,000 | 2,243 |
| Income before extraordinary items | $2,034,000 | 2,465 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,034,000 | 2,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,533 |
| Cash dividends | $383,000 | 3,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,029,310 | 2,326 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,805,000 | 2,371 |
| Total interest expense | $6,968,000 | 2,414 |
| Net interest income | $7,837,000 | 2,309 |
| Provision for loan and lease losses | $470,000 | 3,134 |
| Total noninterest income | $849,000 | 3,803 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $592,000 | 2,323 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $257,000 | 4,876 |
| Total noninterest expense | $5,595,000 | 2,587 |
| Salaries and employee benefits | $2,927,000 | 2,222 |
| Premises and equipment expense | $1,016,000 | 2,064 |
| Additional noninterest expense | $1,652,000 | 3,307 |
| Pre-tax net operating income | $2,621,000 | 2,358 |
| Securities gains (losses) | $26,000 | 5,197 |
| Applicable income taxes | $867,000 | 2,403 |
| Income before extraordinary items | $1,780,000 | 2,577 |
| Extraordinary gains, net | $248,000 | 362 |
| Net income | $2,028,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 4,373 |
| Cash dividends | $317,000 | 3,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,762,580 | 2,415 |
* 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.