Home > Union National Bank > Income and Expense

Union National Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$694,000	6,743
Total interest expense	$210,000	6,211
Net interest income	$484,000	6,775
Provision for loan and lease losses	$21,000	4,750
Total noninterest income	$64,000	6,737
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$53,000	5,065
Trading account gains and fees	$0	121
Additional Noninterest Income	$11,000	7,645
Total noninterest expense	$395,000	6,799
Salaries and employee benefits	$252,000	6,306
Premises and equipment expense	$36,000	7,453
Additional noninterest expense	$107,000	6,978
Pre-tax net operating income	$132,000	6,696
Securities gains (losses)	$0	2,934
Applicable income taxes	$46,000	4,955
Income before extraordinary items	$86,000	7,129
Extraordinary gains, net	$0	16
Net income	$86,000	7,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,876
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$86,000	7,045
2003-12-31 (YTD Data)		Rank
Total interest income	$671,000	8,845
Total interest expense	$215,000	8,702
Net interest income	$456,000	8,844
Provision for loan and lease losses	$21,000	7,041
Total noninterest income	$116,000	8,148
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$61,000	7,249
Trading account gains and fees	$0	160
Additional Noninterest Income	$55,000	7,433
Total noninterest expense	$357,000	9,024
Salaries and employee benefits	$208,000	8,992
Premises and equipment expense	$38,000	8,915
Additional noninterest expense	$111,000	8,948
Pre-tax net operating income	$194,000	7,836
Securities gains (losses)	$0	4,500
Applicable income taxes	$51,000	6,255
Income before extraordinary items	$143,000	8,037
Extraordinary gains, net	$0	54
Net income	$143,000	8,040
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	8,644
Cash dividends	$1,500,000	1,716
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$143,000	7,917
2003-09-30 (YTD Data)		Rank
Total interest income	$2,340,000	6,470
Total interest expense	$799,000	6,083
Net interest income	$1,541,000	6,554
Provision for loan and lease losses	$239,000	2,957
Total noninterest income	$215,000	6,726
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$183,000	4,842
Trading account gains and fees	$0	153
Additional Noninterest Income	$32,000	7,787
Total noninterest expense	$1,151,000	6,822
Salaries and employee benefits	$771,000	6,134
Premises and equipment expense	$92,000	7,780
Additional noninterest expense	$288,000	7,249
Pre-tax net operating income	$366,000	6,873
Securities gains (losses)	$0	4,204
Applicable income taxes	$128,000	5,296
Income before extraordinary items	$238,000	7,342
Extraordinary gains, net	$0	40
Net income	$238,000	7,346
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$217,000	2,103
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$238,000	7,173
2003-06-30 (YTD Data)		Rank
Total interest income	$1,556,000	6,530
Total interest expense	$540,000	6,161
Net interest income	$1,016,000	6,604
Provision for loan and lease losses	$42,000	5,388
Total noninterest income	$146,000	6,697
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$121,000	4,843
Trading account gains and fees	$0	150
Additional Noninterest Income	$25,000	7,564
Total noninterest expense	$734,000	6,967
Salaries and employee benefits	$494,000	6,308
Premises and equipment expense	$63,000	7,744
Additional noninterest expense	$177,000	7,437
Pre-tax net operating income	$386,000	5,955
Securities gains (losses)	$0	3,782
Applicable income taxes	$137,000	4,645
Income before extraordinary items	$249,000	6,528
Extraordinary gains, net	$0	30
Net income	$249,000	6,528
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,910
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$249,000	6,329
2003-03-31 (YTD Data)		Rank
Total interest income	$764,000	6,630
Total interest expense	$280,000	6,156
Net interest income	$484,000	6,744
Provision for loan and lease losses	$21,000	5,171
Total noninterest income	$70,000	6,722
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$62,000	4,671
Trading account gains and fees	$0	134
Additional Noninterest Income	$8,000	8,105
Total noninterest expense	$373,000	6,929
Salaries and employee benefits	$250,000	6,257
Premises and equipment expense	$33,000	7,707
Additional noninterest expense	$90,000	7,412
Pre-tax net operating income	$160,000	6,337
Securities gains (losses)	$0	2,891
Applicable income taxes	$56,000	4,942
Income before extraordinary items	$104,000	6,819
Extraordinary gains, net	$0	21
Net income	$104,000	6,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	3,410
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$104,000	6,655
2002-12-31 (YTD Data)		Rank
Total interest income	$3,348,000	6,490
Total interest expense	$1,267,000	6,264
Net interest income	$2,081,000	6,499
Provision for loan and lease losses	$84,000	5,998
Total noninterest income	$290,000	6,540
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$250,000	4,695
Trading account gains and fees	$0	153
Additional Noninterest Income	$40,000	7,875
Total noninterest expense	$1,445,000	6,960
Salaries and employee benefits	$917,000	6,452
Premises and equipment expense	$134,000	7,665
Additional noninterest expense	$394,000	7,197
Pre-tax net operating income	$842,000	5,635
Securities gains (losses)	$0	4,537
Applicable income taxes	$304,000	4,423
Income before extraordinary items	$538,000	6,223
Extraordinary gains, net	$0	70
Net income	$538,000	6,222
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	4,872
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$538,000	6,072
2001-12-31 (YTD Data)		Rank
Total interest income	$3,712,000	6,580
Total interest expense	$1,752,000	6,505
Net interest income	$1,960,000	6,492
Provision for loan and lease losses	$84,000	5,921
Total noninterest income	$296,000	6,463
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$259,000	4,556
Trading account gains and fees	$0	177
Additional Noninterest Income	$37,000	8,124
Total noninterest expense	$1,375,000	7,067
Salaries and employee benefits	$850,000	6,579
Premises and equipment expense	$137,000	7,739
Additional noninterest expense	$388,000	7,239
Pre-tax net operating income	$797,000	5,492
Securities gains (losses)	$0	4,612
Applicable income taxes	$290,000	4,333
Income before extraordinary items	$507,000	6,035
Extraordinary gains, net	$0	105
Net income	$507,000	6,037
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,560
Cash dividends	$180,000	5,124
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$507,000	5,923
2000-12-31 (YTD Data)		Rank
Total interest income	$3,648,000	6,782
Total interest expense	$1,783,000	6,623
Net interest income	$1,865,000	6,788
Provision for loan and lease losses	$84,000	5,667
Total noninterest income	$271,000	6,563
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$240,000	4,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	8,503
Total noninterest expense	$1,284,000	7,288
Salaries and employee benefits	$791,000	6,771
Premises and equipment expense	$130,000	7,919
Additional noninterest expense	$363,000	7,453
Pre-tax net operating income	$768,000	5,977
Securities gains (losses)	$0	1,956
Applicable income taxes	$278,000	4,746
Income before extraordinary items	$490,000	6,378
Extraordinary gains, net	$0	38
Net income	$490,000	6,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,200
Cash dividends	$80,000	6,117
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$490,000	6,392
1999-12-31 (YTD Data)		Rank
Total interest income	$3,295,000	7,052
Total interest expense	$1,585,000	6,765
Net interest income	$1,710,000	7,179
Provision for loan and lease losses	$78,000	5,718
Total noninterest income	$236,000	7,086
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$198,000	5,141
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	8,510
Total noninterest expense	$1,192,000	7,588
Salaries and employee benefits	$713,000	7,170
Premises and equipment expense	$145,000	7,752
Additional noninterest expense	$334,000	7,841
Pre-tax net operating income	$676,000	6,406
Securities gains (losses)	$0	3,155
Applicable income taxes	$243,000	5,283
Income before extraordinary items	$433,000	6,798
Extraordinary gains, net	$0	35
Net income	$433,000	6,796
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	3,514
Cash dividends	$61,000	6,481
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$433,000	6,771
1998-12-31 (YTD Data)		Rank
Total interest income	$3,071,000	7,446
Total interest expense	$1,472,000	7,249
Net interest income	$1,599,000	7,475
Provision for loan and lease losses	$54,000	6,469
Total noninterest income	$210,000	7,463
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$167,000	5,651
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,420
Total noninterest expense	$1,150,000	7,679
Salaries and employee benefits	$701,000	7,180
Premises and equipment expense	$119,000	8,292
Additional noninterest expense	$330,000	7,843
Pre-tax net operating income	$605,000	6,885
Securities gains (losses)	$0	4,449
Applicable income taxes	$220,000	5,952
Income before extraordinary items	$385,000	7,303
Extraordinary gains, net	$0	32
Net income	$385,000	7,300
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	9,586
Cash dividends	$225,000	5,139
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$385,000	7,222
1997-12-31 (YTD Data)		Rank
Total interest income	$2,506,000	8,366
Total interest expense	$1,135,000	8,297
Net interest income	$1,371,000	8,303
Provision for loan and lease losses	$24,000	7,686
Total noninterest income	$170,000	8,288
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$147,000	6,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	9,689
Total noninterest expense	$956,000	8,492
Salaries and employee benefits	$541,000	8,323
Premises and equipment expense	$105,000	8,851
Additional noninterest expense	$310,000	8,224
Pre-tax net operating income	$561,000	7,610
Securities gains (losses)	$0	3,944
Applicable income taxes	$201,000	6,858
Income before extraordinary items	$360,000	7,913
Extraordinary gains, net	$0	44
Net income	$360,000	7,916
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,272
Cash dividends	$360,000	4,163
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$360,000	7,857
1996-12-31 (YTD Data)		Rank
Total interest income	$2,477,000	8,718
Total interest expense	$1,064,000	8,806
Net interest income	$1,413,000	8,481
Provision for loan and lease losses	$36,000	7,135
Total noninterest income	$167,000	8,742
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$45,000	8,974
Trading account gains and fees	NA	NA
Additional Noninterest Income	$122,000	6,546
Total noninterest expense	$930,000	8,961
Salaries and employee benefits	$547,000	8,518
Premises and equipment expense	$97,000	9,380
Additional noninterest expense	$286,000	9,027
Pre-tax net operating income	$614,000	7,342
Securities gains (losses)	$0	4,148
Applicable income taxes	$221,000	6,822
Income before extraordinary items	$393,000	7,676
Extraordinary gains, net	$0	53
Net income	$393,000	7,676
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	5,007
Cash dividends	$260,000	4,854
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$393,000	7,622
1995-12-31 (YTD Data)		Rank
Total interest income	$2,355,000	9,178
Total interest expense	$1,013,000	9,204
Net interest income	$1,342,000	8,948
Provision for loan and lease losses	$45,000	6,418
Total noninterest income	$152,000	9,282
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	9,371
Trading account gains and fees	NA	NA
Additional Noninterest Income	$106,000	7,051
Total noninterest expense	$939,000	9,217
Salaries and employee benefits	$509,000	9,037
Premises and equipment expense	$107,000	9,413
Additional noninterest expense	$323,000	8,998
Pre-tax net operating income	$510,000	8,377
Securities gains (losses)	$0	3,831
Applicable income taxes	$181,000	7,757
Income before extraordinary items	$329,000	8,679
Extraordinary gains, net	$0	65
Net income	$329,000	8,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,638
Cash dividends	$240,000	5,079
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$329,000	8,641
1994-12-31 (YTD Data)		Rank
Total interest income	$1,984,000	9,831
Total interest expense	$783,000	9,685
Net interest income	$1,201,000	9,765
Provision for loan and lease losses	$48,000	6,241
Total noninterest income	$171,000	9,287
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$42,000	9,972
Trading account gains and fees	NA	NA
Additional Noninterest Income	$129,000	6,698
Total noninterest expense	$924,000	9,662
Salaries and employee benefits	$483,000	9,546
Premises and equipment expense	$92,000	10,281
Additional noninterest expense	$349,000	9,364
Pre-tax net operating income	$400,000	9,374
Securities gains (losses)	$0	3,600
Applicable income taxes	$145,000	8,410
Income before extraordinary items	$255,000	9,638
Extraordinary gains, net	$0	249
Net income	$255,000	9,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,413
Cash dividends	$200,000	5,405
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$255,000	9,704
1993-12-31 (YTD Data)		Rank
Total interest income	$2,067,000	10,041
Total interest expense	$809,000	10,004
Net interest income	$1,258,000	9,879
Provision for loan and lease losses	$158,000	4,517
Total noninterest income	$152,000	10,163
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	7,694
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,580
Total noninterest expense	$874,000	10,325
Salaries and employee benefits	$433,000	10,310
Premises and equipment expense	$79,000	11,181
Additional noninterest expense	$362,000	9,699
Pre-tax net operating income	$378,000	9,598
Securities gains (losses)	$0	7,477
Applicable income taxes	$110,000	9,512
Income before extraordinary items	$268,000	9,836
Extraordinary gains, net	$0	3,149
Net income	$268,000	9,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$142,000	3,798
Cash dividends	$200,000	5,372
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$268,000	9,582
1992-12-31 (YTD Data)		Rank
Total interest income	$1,106,000	12,819
Total interest expense	$529,000	12,629
Net interest income	$577,000	12,819
Provision for loan and lease losses	$36,000	9,661
Total noninterest income	$77,000	12,360
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	9,928
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	12,822
Total noninterest expense	$396,000	13,185
Salaries and employee benefits	$205,000	13,100
Premises and equipment expense	$37,000	13,172
Additional noninterest expense	$154,000	12,891
Pre-tax net operating income	$222,000	10,871
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$85,000	10,309
Income before extraordinary items	$138,000	11,434
Extraordinary gains, net	$0	1,422
Net income	$138,000	11,514
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	11,020
Cash dividends	$85,000	6,917
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$137,360	11,122

* 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.