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UMB Bank Southwest, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$20,073,0001,623
Total interest expense$9,520,0001,617
Net interest income$10,553,0001,613
Provision for loan and lease losses$648,0001,401
Total noninterest income$2,209,0001,691
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,567,000788
Trading account gains and fees$0224
Additional Noninterest Income$642,0002,535
Total noninterest expense$9,112,0001,453
Salaries and employee benefits$4,181,0001,593
Premises and equipment expense$1,283,0001,530
Additional noninterest expense$3,648,0001,230
Pre-tax net operating income$3,002,0002,377
Securities gains (losses)$04,449
Applicable income taxes$1,101,0002,134
Income before extraordinary items$1,901,0002,676
Extraordinary gains, net$032
Net income$1,901,0002,676
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$648,0001,022
Cash dividends$1,850,0001,419
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,901,0002,597
1997-12-31 (YTD Data)Rank
Total interest income$19,809,0001,665
Total interest expense$9,215,0001,690
Net interest income$10,594,0001,640
Provision for loan and lease losses$475,0001,852
Total noninterest income$2,016,0001,753
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,418,000896
Trading account gains and fees$0239
Additional Noninterest Income$598,0002,480
Total noninterest expense$8,570,0001,532
Salaries and employee benefits$3,961,0001,657
Premises and equipment expense$1,017,0001,946
Additional noninterest expense$3,592,0001,224
Pre-tax net operating income$3,565,0002,106
Securities gains (losses)$-1,0009,009
Applicable income taxes$1,115,0002,217
Income before extraordinary items$2,449,0002,152
Extraordinary gains, net$044
Net income$2,449,0002,151
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$475,0001,392
Cash dividends$1,000,0002,147
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,449,6902,098
1996-12-31 (YTD Data)Rank
Total interest income$19,047,0001,772
Total interest expense$9,159,0001,725
Net interest income$9,888,0001,790
Provision for loan and lease losses$369,0002,214
Total noninterest income$1,895,0001,922
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,445,000915
Trading account gains and fees$0262
Additional Noninterest Income$450,0003,144
Total noninterest expense$8,045,0001,762
Salaries and employee benefits$3,792,0001,747
Premises and equipment expense$1,054,0001,908
Additional noninterest expense$3,199,0001,626
Pre-tax net operating income$3,369,0002,116
Securities gains (losses)$04,148
Applicable income taxes$1,029,0002,296
Income before extraordinary items$2,340,0002,115
Extraordinary gains, net$053
Net income$2,340,0002,115
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$369,0001,783
Cash dividends$1,775,0001,407
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,340,0002,071
1995-12-31 (YTD Data)Rank
Total interest income$18,741,0001,812
Total interest expense$9,585,0001,656
Net interest income$9,156,0001,960
Provision for loan and lease losses$210,0002,900
Total noninterest income$1,831,0001,972
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,423,000937
Trading account gains and fees$0522
Additional Noninterest Income$408,0003,275
Total noninterest expense$7,863,0001,775
Salaries and employee benefits$3,532,0001,873
Premises and equipment expense$901,0002,225
Additional noninterest expense$3,430,0001,504
Pre-tax net operating income$2,914,0002,489
Securities gains (losses)$12,0002,250
Applicable income taxes$698,0003,244
Income before extraordinary items$2,228,0002,259
Extraordinary gains, net$065
Net income$2,228,0002,256
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$147,0003,020
Cash dividends$2,500,0001,056
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,218,8802,242
1994-12-31 (YTD Data)Rank
Total interest income$3,100,0007,885
Total interest expense$1,298,0007,557
Net interest income$1,802,0008,039
Provision for loan and lease losses$09,146
Total noninterest income$305,0007,183
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$195,0005,959
Trading account gains and feesNANA
Additional Noninterest Income$110,0007,224
Total noninterest expense$1,413,0007,874
Salaries and employee benefits$518,0009,224
Premises and equipment expense$316,0005,491
Additional noninterest expense$579,0007,185
Pre-tax net operating income$694,0007,416
Securities gains (losses)$33,0001,406
Applicable income taxes$179,0007,729
Income before extraordinary items$548,0006,923
Extraordinary gains, net$0249
Net income$548,0006,936
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,696
Cash dividends$1,700,0001,272
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$523,2507,172
1993-12-31 (YTD Data)Rank
Total interest income$3,307,0007,827
Total interest expense$1,571,0006,974
Net interest income$1,736,0008,400
Provision for loan and lease losses$4,00010,179
Total noninterest income$302,0007,644
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$187,0006,233
Trading account gains and feesNANA
Additional Noninterest Income$115,0007,444
Total noninterest expense$1,421,0008,103
Salaries and employee benefits$658,0008,318
Premises and equipment expense$156,0008,751
Additional noninterest expense$607,0007,267
Pre-tax net operating income$613,0007,859
Securities gains (losses)$07,477
Applicable income taxes$126,0009,172
Income before extraordinary items$487,0007,664
Extraordinary gains, net$03,149
Net income$487,0007,849
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0009,293
Cash dividends$800,0002,140
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$487,0007,407
1992-12-31 (YTD Data)Rank
Total interest income$4,194,0007,249
Total interest expense$2,303,0006,394
Net interest income$1,891,0008,076
Provision for loan and lease losses$2,00011,664
Total noninterest income$288,0007,888
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$185,0006,287
Trading account gains and feesNANA
Additional Noninterest Income$103,0007,958
Total noninterest expense$1,465,0008,045
Salaries and employee benefits$658,0008,321
Premises and equipment expense$197,0007,902
Additional noninterest expense$610,0007,418
Pre-tax net operating income$712,0007,031
Securities gains (losses)$82,0003,330
Applicable income taxes$150,0008,614
Income before extraordinary items$644,0006,261
Extraordinary gains, net$01,422
Net income$644,0006,332
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,00011,020
Cash dividends$300,0003,979
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$577,5806,373

* 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.