Unibank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,095,000 | 2,159 |
| Total interest expense | $6,670,000 | 2,255 |
| Net interest income | $8,425,000 | 2,071 |
| Provision for loan and lease losses | $619,000 | 1,475 |
| Total noninterest income | $924,000 | 3,248 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $509,000 | 2,578 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $415,000 | 3,214 |
| Total noninterest expense | $6,655,000 | 1,937 |
| Salaries and employee benefits | $3,535,000 | 1,855 |
| Premises and equipment expense | $768,000 | 2,515 |
| Additional noninterest expense | $2,352,000 | 1,808 |
| Pre-tax net operating income | $2,075,000 | 3,410 |
| Securities gains (losses) | $10,000 | 2,359 |
| Applicable income taxes | $643,000 | 3,482 |
| Income before extraordinary items | $1,442,000 | 3,467 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,442,000 | 3,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,987 |
| Cash dividends | $676,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,435,100 | 3,405 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,850,000 | 2,603 |
| Total interest expense | $5,528,000 | 2,755 |
| Net interest income | $7,322,000 | 2,447 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $1,294,000 | 2,546 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $464,000 | 2,902 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $830,000 | 2,053 |
| Total noninterest expense | $5,485,000 | 2,501 |
| Salaries and employee benefits | $2,789,000 | 2,377 |
| Premises and equipment expense | $622,000 | 3,104 |
| Additional noninterest expense | $2,074,000 | 2,376 |
| Pre-tax net operating income | $3,091,000 | 2,310 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $973,000 | 2,413 |
| Income before extraordinary items | $2,118,000 | 2,317 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,118,000 | 2,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 11,024 |
| Cash dividends | $675,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,118,000 | 2,269 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,262,000 | 2,726 |
| Total interest expense | $4,814,000 | 3,124 |
| Net interest income | $7,448,000 | 2,417 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $711,000 | 4,035 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $390,000 | 3,439 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $321,000 | 3,847 |
| Total noninterest expense | $4,926,000 | 2,755 |
| Salaries and employee benefits | $2,522,000 | 2,651 |
| Premises and equipment expense | $593,000 | 3,236 |
| Additional noninterest expense | $1,811,000 | 2,617 |
| Pre-tax net operating income | $2,993,000 | 2,443 |
| Securities gains (losses) | $-155,000 | 11,622 |
| Applicable income taxes | $875,000 | 2,674 |
| Income before extraordinary items | $1,963,000 | 2,553 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,963,000 | 2,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,377,000 | 725 |
| Cash dividends | $607,000 | 2,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,069,950 | 2,396 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,984,000 | 2,766 |
| Total interest expense | $4,111,000 | 2,960 |
| Net interest income | $6,873,000 | 2,624 |
| Provision for loan and lease losses | $260,000 | 2,513 |
| Total noninterest income | $679,000 | 4,220 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $335,000 | 3,981 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $344,000 | 3,752 |
| Total noninterest expense | $4,885,000 | 2,837 |
| Salaries and employee benefits | $2,299,000 | 2,875 |
| Premises and equipment expense | $666,000 | 2,957 |
| Additional noninterest expense | $1,920,000 | 2,661 |
| Pre-tax net operating income | $2,407,000 | 2,930 |
| Securities gains (losses) | $155,000 | 587 |
| Applicable income taxes | $799,000 | 2,761 |
| Income before extraordinary items | $1,763,000 | 2,747 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,763,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,075 |
| Cash dividends | $544,000 | 3,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,656,050 | 2,938 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,677,000 | 2,902 |
| Total interest expense | $4,190,000 | 3,029 |
| Net interest income | $6,487,000 | 2,791 |
| Provision for loan and lease losses | $1,220,000 | 1,142 |
| Total noninterest income | $564,000 | 5,168 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $325,000 | 4,139 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $239,000 | 5,132 |
| Total noninterest expense | $5,933,000 | 2,422 |
| Salaries and employee benefits | $2,063,000 | 3,185 |
| Premises and equipment expense | $620,000 | 3,223 |
| Additional noninterest expense | $3,250,000 | 1,788 |
| Pre-tax net operating income | $-102,000 | 12,594 |
| Securities gains (losses) | $371,000 | 1,118 |
| Applicable income taxes | $36,000 | 11,244 |
| Income before extraordinary items | $234,000 | 10,229 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $234,000 | 10,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,617 |
| Cash dividends | $390,000 | 3,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-88,770 | 12,549 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,759,000 | 2,987 |
| Total interest expense | $5,281,000 | 3,139 |
| Net interest income | $6,478,000 | 2,828 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $484,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $295,000 | 4,505 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $189,000 | 5,859 |
| Total noninterest expense | $4,886,000 | 2,927 |
| Salaries and employee benefits | $1,997,000 | 3,210 |
| Premises and equipment expense | $597,000 | 3,374 |
| Additional noninterest expense | $2,292,000 | 2,498 |
| Pre-tax net operating income | $1,836,000 | 3,366 |
| Securities gains (losses) | $200,000 | 2,010 |
| Applicable income taxes | $695,000 | 3,003 |
| Income before extraordinary items | $1,341,000 | 3,420 |
| Extraordinary gains, net | $182,000 | 475 |
| Net income | $1,523,000 | 3,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 7,091 |
| Cash dividends | $525,000 | 2,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,209,000 | 3,496 |
* 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.