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Union State Bank, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$5,197,0005,642
Total interest expense$2,502,0005,412
Net interest income$2,695,0005,770
Provision for loan and lease losses$-75,00010,748
Total noninterest income$320,0006,451
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$219,0005,049
Trading account gains and feesNANA
Additional Noninterest Income$101,0006,756
Total noninterest expense$1,502,0006,775
Salaries and employee benefits$971,0005,966
Premises and equipment expense$106,0008,826
Additional noninterest expense$425,0007,153
Pre-tax net operating income$1,588,0004,263
Securities gains (losses)$03,944
Applicable income taxes$422,0004,716
Income before extraordinary items$1,166,0004,153
Extraordinary gains, net$044
Net income$1,166,0004,153
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,00010,246
Cash dividends$420,0003,841
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,166,0004,094
1996-12-31 (YTD Data)Rank
Total interest income$5,214,0005,765
Total interest expense$2,503,0005,511
Net interest income$2,711,0005,859
Provision for loan and lease losses$-55,00011,213
Total noninterest income$263,0007,422
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$175,0006,012
Trading account gains and feesNANA
Additional Noninterest Income$88,0007,486
Total noninterest expense$1,614,0006,805
Salaries and employee benefits$958,0006,184
Premises and equipment expense$136,0008,382
Additional noninterest expense$520,0006,904
Pre-tax net operating income$1,415,0004,541
Securities gains (losses)$04,148
Applicable income taxes$407,0004,840
Income before extraordinary items$1,008,0004,477
Extraordinary gains, net$053
Net income$1,008,0004,478
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-20,00010,693
Cash dividends$420,0003,770
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,008,0004,416
1995-12-31 (YTD Data)Rank
Total interest income$5,309,0005,736
Total interest expense$2,521,0005,529
Net interest income$2,788,0005,830
Provision for loan and lease losses$-150,00011,777
Total noninterest income$326,0006,776
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$175,0006,168
Trading account gains and feesNANA
Additional Noninterest Income$151,0005,965
Total noninterest expense$1,719,0006,685
Salaries and employee benefits$1,035,0005,885
Premises and equipment expense$127,0008,867
Additional noninterest expense$557,0006,796
Pre-tax net operating income$1,545,0004,348
Securities gains (losses)$03,831
Applicable income taxes$437,0004,622
Income before extraordinary items$1,108,0004,228
Extraordinary gains, net$065
Net income$1,108,0004,225
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-58,00011,529
Cash dividends$350,0004,167
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,108,0004,205
1994-12-31 (YTD Data)Rank
Total interest income$4,745,0005,907
Total interest expense$1,995,0005,625
Net interest income$2,750,0006,005
Provision for loan and lease losses$24,0007,499
Total noninterest income$318,0007,015
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$177,0006,319
Trading account gains and feesNANA
Additional Noninterest Income$141,0006,387
Total noninterest expense$1,950,0006,340
Salaries and employee benefits$1,028,0005,956
Premises and equipment expense$107,0009,803
Additional noninterest expense$815,0005,613
Pre-tax net operating income$1,094,0005,589
Securities gains (losses)$03,600
Applicable income taxes$215,0007,096
Income before extraordinary items$879,0005,005
Extraordinary gains, net$0249
Net income$879,0005,010
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$136,0003,153
Cash dividends$280,0004,679
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$879,0005,055
1993-12-31 (YTD Data)Rank
Total interest income$4,831,0005,950
Total interest expense$2,131,0005,539
Net interest income$2,700,0006,166
Provision for loan and lease losses$571,0001,928
Total noninterest income$303,0007,629
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$176,0006,452
Trading account gains and feesNANA
Additional Noninterest Income$127,0007,107
Total noninterest expense$2,109,0006,071
Salaries and employee benefits$1,005,0006,108
Premises and equipment expense$123,0009,690
Additional noninterest expense$981,0004,999
Pre-tax net operating income$323,00010,035
Securities gains (losses)$506,000889
Applicable income taxes$100,0009,745
Income before extraordinary items$729,0005,933
Extraordinary gains, net$03,149
Net income$729,0006,092
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$446,0001,916
Cash dividends$245,0004,946
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$283,7209,392
1992-12-31 (YTD Data)Rank
Total interest income$6,159,0005,371
Total interest expense$2,877,0005,340
Net interest income$3,282,0005,295
Provision for loan and lease losses$873,0002,034
Total noninterest income$334,0007,304
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$199,0006,008
Trading account gains and feesNANA
Additional Noninterest Income$135,0007,019
Total noninterest expense$2,112,0006,122
Salaries and employee benefits$1,030,0005,874
Premises and equipment expense$95,00010,910
Additional noninterest expense$987,0005,103
Pre-tax net operating income$631,0007,512
Securities gains (losses)$7,0006,774
Applicable income taxes$218,0007,224
Income before extraordinary items$420,0008,021
Extraordinary gains, net$01,422
Net income$420,0008,146
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$692,0001,990
Cash dividends$245,0004,546
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$415,3807,710

* 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.