Home > The Union State Bank > Income and Expense
The Union State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,583,000 | 6,150 |
| Total interest expense | $2,392,000 | 5,585 |
| Net interest income | $2,191,000 | 6,549 |
| Provision for loan and lease losses | $40,000 | 7,002 |
| Total noninterest income | $57,000 | 10,156 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 9,136 |
| Total noninterest expense | $1,322,000 | 7,251 |
| Salaries and employee benefits | $600,000 | 7,916 |
| Premises and equipment expense | $185,000 | 7,111 |
| Additional noninterest expense | $537,000 | 6,216 |
| Pre-tax net operating income | $886,000 | 6,194 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $184,000 | 7,120 |
| Income before extraordinary items | $725,000 | 5,789 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $725,000 | 5,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,907 |
| Cash dividends | $229,000 | 5,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $706,600 | 5,830 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,512,000 | 6,389 |
| Total interest expense | $2,286,000 | 5,874 |
| Net interest income | $2,226,000 | 6,711 |
| Provision for loan and lease losses | $85,000 | 5,471 |
| Total noninterest income | $57,000 | 10,730 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 9,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,839 |
| Total noninterest expense | $1,120,000 | 8,259 |
| Salaries and employee benefits | $552,000 | 8,465 |
| Premises and equipment expense | $176,000 | 7,509 |
| Additional noninterest expense | $392,000 | 7,947 |
| Pre-tax net operating income | $1,078,000 | 5,488 |
| Securities gains (losses) | $-6,000 | 10,029 |
| Applicable income taxes | $238,000 | 6,603 |
| Income before extraordinary items | $834,000 | 5,141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $834,000 | 5,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $230,000 | 5,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $838,680 | 5,066 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,177,000 | 6,820 |
| Total interest expense | $1,954,000 | 6,578 |
| Net interest income | $2,223,000 | 6,826 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $55,000 | 11,269 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 9,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,076 |
| Total noninterest expense | $1,096,000 | 8,592 |
| Salaries and employee benefits | $508,000 | 9,045 |
| Premises and equipment expense | $188,000 | 7,429 |
| Additional noninterest expense | $400,000 | 8,198 |
| Pre-tax net operating income | $1,162,000 | 5,379 |
| Securities gains (losses) | $-44,000 | 11,097 |
| Applicable income taxes | $263,000 | 6,470 |
| Income before extraordinary items | $855,000 | 5,198 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $855,000 | 5,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $191,000 | 5,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $888,440 | 5,029 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,647,000 | 7,134 |
| Total interest expense | $1,629,000 | 6,531 |
| Net interest income | $2,018,000 | 7,525 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $68,000 | 11,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 10,462 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,933 |
| Total noninterest expense | $1,068,000 | 9,092 |
| Salaries and employee benefits | $472,000 | 9,639 |
| Premises and equipment expense | $174,000 | 7,986 |
| Additional noninterest expense | $422,000 | 8,602 |
| Pre-tax net operating income | $968,000 | 6,086 |
| Securities gains (losses) | $-60,000 | 11,176 |
| Applicable income taxes | $161,000 | 8,089 |
| Income before extraordinary items | $747,000 | 5,626 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $747,000 | 5,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $191,000 | 5,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $796,200 | 5,448 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,546,000 | 7,467 |
| Total interest expense | $1,820,000 | 6,285 |
| Net interest income | $1,726,000 | 8,425 |
| Provision for loan and lease losses | $61,000 | 6,929 |
| Total noninterest income | $54,000 | 12,434 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 10,888 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,374 |
| Total noninterest expense | $1,161,000 | 9,055 |
| Salaries and employee benefits | $435,000 | 10,290 |
| Premises and equipment expense | $163,000 | 8,556 |
| Additional noninterest expense | $563,000 | 7,659 |
| Pre-tax net operating income | $558,000 | 8,245 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $87,000 | 10,051 |
| Income before extraordinary items | $477,000 | 7,721 |
| Extraordinary gains, net | $17,000 | 2,772 |
| Net income | $494,000 | 7,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $153,000 | 6,036 |
| Sale, conversion, retirement of capital stock, net | $-76,000 | 13,189 |
| Net operating income | $471,900 | 7,519 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,677,000 | 7,944 |
| Total interest expense | $1,942,000 | 7,239 |
| Net interest income | $1,735,000 | 8,544 |
| Provision for loan and lease losses | $4,000 | 11,584 |
| Total noninterest income | $47,000 | 13,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 11,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $971,000 | 10,108 |
| Salaries and employee benefits | $423,000 | 10,602 |
| Premises and equipment expense | $165,000 | 8,699 |
| Additional noninterest expense | $383,000 | 9,787 |
| Pre-tax net operating income | $807,000 | 6,532 |
| Securities gains (losses) | $57,000 | 3,915 |
| Applicable income taxes | $161,000 | 8,355 |
| Income before extraordinary items | $703,000 | 5,895 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $703,000 | 5,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $155,000 | 5,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $656,830 | 5,833 |
* 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.