Union Planters Bank of the Cumberlands, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$18,670,0001,774
Total interest expense$8,779,0001,763
Net interest income$9,891,0001,760
Provision for loan and lease losses$300,0002,568
Total noninterest income$2,305,0001,571
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,614,000788
Trading account gains and fees$0239
Additional Noninterest Income$691,0002,236
Total noninterest expense$7,061,0001,834
Salaries and employee benefits$3,391,0001,938
Premises and equipment expense$1,329,0001,468
Additional noninterest expense$2,341,0001,818
Pre-tax net operating income$4,835,0001,597
Securities gains (losses)$03,944
Applicable income taxes$1,671,0001,548
Income before extraordinary items$3,164,0001,692
Extraordinary gains, net$044
Net income$3,164,0001,693
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$207,0002,496
Cash dividends$3,485,000839
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$3,164,0001,653
1996-12-31 (YTD Data)Rank
Total interest income$18,581,0001,822
Total interest expense$8,847,0001,773
Net interest income$9,734,0001,826
Provision for loan and lease losses$09,041
Total noninterest income$2,391,0001,603
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,774,000748
Trading account gains and fees$0262
Additional Noninterest Income$617,0002,520
Total noninterest expense$6,957,0002,011
Salaries and employee benefits$3,296,0002,007
Premises and equipment expense$1,241,0001,642
Additional noninterest expense$2,420,0002,064
Pre-tax net operating income$5,168,0001,400
Securities gains (losses)$15,0002,201
Applicable income taxes$1,801,0001,351
Income before extraordinary items$3,382,0001,454
Extraordinary gains, net$053
Net income$3,382,0001,456
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$456,0001,538
Cash dividends$4,083,000763
Sale, conversion, retirement of capital stock, net$0953
Net operating income$3,372,2501,426
1995-12-31 (YTD Data)Rank
Total interest income$19,329,0001,762
Total interest expense$9,172,0001,729
Net interest income$10,157,0001,761
Provision for loan and lease losses$-105,00011,730
Total noninterest income$2,510,0001,543
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,949,000697
Trading account gains and fees$0522
Additional Noninterest Income$561,0002,664
Total noninterest expense$6,585,0002,098
Salaries and employee benefits$3,310,0002,003
Premises and equipment expense$1,192,0001,695
Additional noninterest expense$2,083,0002,317
Pre-tax net operating income$6,187,0001,235
Securities gains (losses)$-24,00010,683
Applicable income taxes$2,135,0001,211
Income before extraordinary items$4,028,0001,309
Extraordinary gains, net$065
Net income$4,028,0001,307
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$377,0001,669
Cash dividends$4,236,000723
Sale, conversion, retirement of capital stock, net$0809
Net operating income$4,043,6001,281
1994-12-31 (YTD Data)Rank
Total interest income$10,360,0002,935
Total interest expense$4,450,0002,755
Net interest income$5,910,0003,039
Provision for loan and lease losses$09,146
Total noninterest income$1,026,0003,055
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$792,0001,706
Trading account gains and fees$0475
Additional Noninterest Income$234,0004,766
Total noninterest expense$4,441,0003,092
Salaries and employee benefits$2,238,0002,960
Premises and equipment expense$871,0002,315
Additional noninterest expense$1,332,0003,696
Pre-tax net operating income$2,495,0002,836
Securities gains (losses)$-172,00011,874
Applicable income taxes$686,0003,138
Income before extraordinary items$1,637,0002,938
Extraordinary gains, net$0249
Net income$1,637,0002,945
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-63,00012,010
Cash dividends$1,634,0001,310
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,757,4002,776
1993-12-31 (YTD Data)Rank
Total interest income$10,626,0002,919
Total interest expense$4,369,0002,923
Net interest income$6,257,0002,910
Provision for loan and lease losses$010,371
Total noninterest income$1,209,0002,890
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$833,0001,650
Trading account gains and fees$0532
Additional Noninterest Income$376,0003,913
Total noninterest expense$4,437,0003,159
Salaries and employee benefits$2,177,0003,005
Premises and equipment expense$784,0002,606
Additional noninterest expense$1,476,0003,555
Pre-tax net operating income$3,029,0002,261
Securities gains (losses)$107,0002,403
Applicable income taxes$919,0002,473
Income before extraordinary items$2,217,0002,259
Extraordinary gains, net$1,638,000143
Net income$3,855,0001,355
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-240,00013,145
Cash dividends$1,976,0001,053
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,141,0302,199
1992-12-31 (YTD Data)Rank
Total interest income$11,725,0002,996
Total interest expense$5,284,0003,137
Net interest income$6,441,0002,844
Provision for loan and lease losses$011,756
Total noninterest income$943,0003,477
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$718,0001,884
Trading account gains and fees$0504
Additional Noninterest Income$225,0005,300
Total noninterest expense$4,276,0003,294
Salaries and employee benefits$2,115,0003,057
Premises and equipment expense$699,0002,927
Additional noninterest expense$1,462,0003,679
Pre-tax net operating income$3,108,0001,999
Securities gains (losses)$160,0002,333
Applicable income taxes$773,0002,701
Income before extraordinary items$2,495,0001,820
Extraordinary gains, net$01,422
Net income$2,495,0001,839
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-119,00013,767
Cash dividends$2,840,000625
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,373,4001,767

* 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.