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Union Federal Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,619,000	8,536
Total interest expense	$1,311,000	8,074
Net interest income	$1,308,000	8,755
Provision for loan and lease losses	$136,000	4,320
Total noninterest income	$268,000	7,345
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$268,000	4,349
Total noninterest expense	$1,371,000	7,461
Salaries and employee benefits	$657,000	7,801
Premises and equipment expense	$181,000	7,400
Additional noninterest expense	$533,000	6,810
Pre-tax net operating income	$69,000	10,514
Securities gains (losses)	$0	4,148
Applicable income taxes	$35,000	9,947
Income before extraordinary items	$34,000	10,661
Extraordinary gains, net	$0	53
Net income	$34,000	10,658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	3,498
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$34,000	10,612
1995-12-31 (YTD Data)		Rank
Total interest income	$2,711,000	8,619
Total interest expense	$1,241,000	8,454
Net interest income	$1,470,000	8,622
Provision for loan and lease losses	$90,000	4,814
Total noninterest income	$134,000	9,586
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$134,000	6,308
Total noninterest expense	$1,078,000	8,664
Salaries and employee benefits	$631,000	8,176
Premises and equipment expense	$154,000	8,169
Additional noninterest expense	$293,000	9,311
Pre-tax net operating income	$436,000	8,835
Securities gains (losses)	$0	3,831
Applicable income taxes	$217,000	7,139
Income before extraordinary items	$219,000	9,726
Extraordinary gains, net	$0	65
Net income	$219,000	9,731
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	4,862
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$219,000	9,696
1994-12-31 (YTD Data)		Rank
Total interest income	$2,307,000	9,246
Total interest expense	$1,018,000	8,613
Net interest income	$1,289,000	9,489
Provision for loan and lease losses	$35,000	6,861
Total noninterest income	$145,000	9,799
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$145,000	6,300
Total noninterest expense	$1,087,000	9,029
Salaries and employee benefits	$595,000	8,641
Premises and equipment expense	$177,000	7,923
Additional noninterest expense	$315,000	9,778
Pre-tax net operating income	$312,000	10,041
Securities gains (losses)	$0	3,600
Applicable income taxes	$106,000	9,219
Income before extraordinary items	$206,000	10,205
Extraordinary gains, net	$0	249
Net income	$206,000	10,216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	11,066
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$206,000	10,251
1993-12-31 (YTD Data)		Rank
Total interest income	$2,286,000	9,610
Total interest expense	$1,143,000	8,508
Net interest income	$1,143,000	10,250
Provision for loan and lease losses	$157,000	4,532
Total noninterest income	$110,000	11,078
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$110,000	7,578
Total noninterest expense	$1,038,000	9,569
Salaries and employee benefits	$586,000	8,926
Premises and equipment expense	$155,000	8,775
Additional noninterest expense	$297,000	10,494
Pre-tax net operating income	$58,000	12,133
Securities gains (losses)	$82,000	2,771
Applicable income taxes	$42,000	11,116
Income before extraordinary items	$98,000	11,821
Extraordinary gains, net	$0	3,149
Net income	$98,000	11,872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	5,209
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$40,600	12,168
1992-12-31 (YTD Data)		Rank
Total interest income	$2,611,000	9,702
Total interest expense	$1,582,000	8,267
Net interest income	$1,029,000	10,989
Provision for loan and lease losses	$43,000	9,374
Total noninterest income	$77,000	12,360
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$77,000	8,979
Total noninterest expense	$1,043,000	9,784
Salaries and employee benefits	$564,000	9,147
Premises and equipment expense	$157,000	8,918
Additional noninterest expense	$322,000	10,530
Pre-tax net operating income	$20,000	12,589
Securities gains (losses)	$64,000	3,722
Applicable income taxes	$56,000	11,086
Income before extraordinary items	$28,000	12,723
Extraordinary gains, net	$0	1,422
Net income	$28,000	12,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	5,229
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-12,960	12,716

* 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.