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UnionBank/Central, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$8,333,0003,527
Total interest expense$3,641,0002,986
Net interest income$4,692,0003,850
Provision for loan and lease losses$360,0003,054
Total noninterest income$431,0005,592
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$520,0002,879
Trading account gains and fees$0153
Additional Noninterest Income$-89,0009,326
Total noninterest expense$3,008,0004,449
Salaries and employee benefits$1,652,0004,356
Premises and equipment expense$318,0005,381
Additional noninterest expense$1,038,0004,051
Pre-tax net operating income$1,755,0003,720
Securities gains (losses)$91,0001,841
Applicable income taxes$603,0003,110
Income before extraordinary items$1,243,0003,985
Extraordinary gains, net$070
Net income$1,243,0003,985
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$270,0002,532
Cash dividends$737,0002,797
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,182,0304,020
2001-12-31 (YTD Data)Rank
Total interest income$10,001,0003,313
Total interest expense$5,649,0002,822
Net interest income$4,352,0003,864
Provision for loan and lease losses$1,068,0001,188
Total noninterest income$569,0004,729
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$395,0003,435
Trading account gains and fees$0177
Additional Noninterest Income$174,0005,222
Total noninterest expense$2,651,0004,762
Salaries and employee benefits$1,360,0004,868
Premises and equipment expense$273,0005,828
Additional noninterest expense$1,018,0004,015
Pre-tax net operating income$1,202,0004,416
Securities gains (losses)$261,000983
Applicable income taxes$474,0003,414
Income before extraordinary items$989,0004,316
Extraordinary gains, net$0105
Net income$989,0004,317
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$619,0001,334
Cash dividends$629,0003,048
Sale, conversion, retirement of capital stock, net$0922
Net operating income$811,5204,719
2000-12-31 (YTD Data)Rank
Total interest income$9,367,0003,602
Total interest expense$5,558,0002,987
Net interest income$3,809,0004,350
Provision for loan and lease losses$170,0004,137
Total noninterest income$484,0005,001
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$330,0003,772
Trading account gains and fees$0180
Additional Noninterest Income$154,0005,407
Total noninterest expense$2,551,0004,788
Salaries and employee benefits$1,222,0005,140
Premises and equipment expense$302,0005,394
Additional noninterest expense$1,027,0003,908
Pre-tax net operating income$1,572,0003,940
Securities gains (losses)$01,956
Applicable income taxes$552,0003,278
Income before extraordinary items$1,020,0004,328
Extraordinary gains, net$038
Net income$1,020,0004,330
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0003,920
Cash dividends$553,0003,371
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,020,0004,332
1999-12-31 (YTD Data)Rank
Total interest income$8,226,0003,811
Total interest expense$4,263,0003,399
Net interest income$3,963,0004,202
Provision for loan and lease losses$65,0006,026
Total noninterest income$385,0005,743
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$229,0004,748
Trading account gains and fees$0173
Additional Noninterest Income$156,0005,512
Total noninterest expense$2,547,0004,814
Salaries and employee benefits$1,237,0005,048
Premises and equipment expense$312,0005,356
Additional noninterest expense$998,0004,031
Pre-tax net operating income$1,736,0003,714
Securities gains (losses)$03,155
Applicable income taxes$626,0003,132
Income before extraordinary items$1,110,0004,107
Extraordinary gains, net$035
Net income$1,110,0004,111
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$75,0004,097
Cash dividends$511,0003,446
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,110,0004,067
1998-12-31 (YTD Data)Rank
Total interest income$7,520,0004,154
Total interest expense$4,008,0003,681
Net interest income$3,512,0004,582
Provision for loan and lease losses$81,0005,561
Total noninterest income$377,0005,795
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$234,0004,700
Trading account gains and feesNANA
Additional Noninterest Income$143,0005,810
Total noninterest expense$2,521,0004,752
Salaries and employee benefits$1,234,0004,972
Premises and equipment expense$320,0005,185
Additional noninterest expense$967,0004,067
Pre-tax net operating income$1,287,0004,661
Securities gains (losses)$43,0001,842
Applicable income taxes$489,0003,902
Income before extraordinary items$841,0005,028
Extraordinary gains, net$032
Net income$841,0005,028
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-16,0009,791
Cash dividends$323,0004,402
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$813,4805,052
1997-12-31 (YTD Data)Rank
Total interest income$6,956,0004,523
Total interest expense$3,699,0003,950
Net interest income$3,257,0004,991
Provision for loan and lease losses$49,0006,723
Total noninterest income$239,0007,344
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$164,0005,915
Trading account gains and feesNANA
Additional Noninterest Income$75,0007,536
Total noninterest expense$2,241,0005,219
Salaries and employee benefits$1,027,0005,758
Premises and equipment expense$322,0005,207
Additional noninterest expense$892,0004,343
Pre-tax net operating income$1,206,0005,235
Securities gains (losses)$61,0001,222
Applicable income taxes$470,0004,402
Income before extraordinary items$797,0005,474
Extraordinary gains, net$044
Net income$797,0005,477
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-20,00010,222
Cash dividends$5,0007,812
Sale, conversion, retirement of capital stock, net$-70,00010,765
Net operating income$757,9605,598
1996-12-31 (YTD Data)Rank
Total interest income$679,00011,129
Total interest expense$370,00010,941
Net interest income$309,00011,218
Provision for loan and lease losses$09,041
Total noninterest income$40,00011,011
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$24,0009,499
Trading account gains and feesNANA
Additional Noninterest Income$16,00010,642
Total noninterest expense$180,00011,382
Salaries and employee benefits$94,00011,368
Premises and equipment expense$26,00011,208
Additional noninterest expense$60,00011,349
Pre-tax net operating income$169,0009,965
Securities gains (losses)$-24,00010,728
Applicable income taxes$45,0009,783
Income before extraordinary items$100,00010,222
Extraordinary gains, net$053
Net income$100,00010,222
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0005,548
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$116,56010,028
1995-12-31 (YTD Data)Rank
Total interest income$1,746,00010,095
Total interest expense$1,051,0009,078
Net interest income$695,00010,859
Provision for loan and lease losses$08,958
Total noninterest income$98,00010,324
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0009,123
Trading account gains and feesNANA
Additional Noninterest Income$44,0009,521
Total noninterest expense$511,00010,977
Salaries and employee benefits$289,00010,843
Premises and equipment expense$89,0009,947
Additional noninterest expense$133,00011,278
Pre-tax net operating income$282,0009,888
Securities gains (losses)$51,0001,292
Applicable income taxes$102,0009,142
Income before extraordinary items$231,0009,599
Extraordinary gains, net$065
Net income$231,0009,603
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-8,00010,558
Cash dividends$165,0005,889
Sale, conversion, retirement of capital stock, net$0809
Net operating income$195,8109,954
1994-12-31 (YTD Data)Rank
Total interest income$1,532,00010,681
Total interest expense$918,0009,047
Net interest income$614,00011,662
Provision for loan and lease losses$-25,00011,873
Total noninterest income$89,00011,015
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$49,0009,727
Trading account gains and feesNANA
Additional Noninterest Income$40,00010,157
Total noninterest expense$518,00011,520
Salaries and employee benefits$284,00011,361
Premises and equipment expense$74,00010,838
Additional noninterest expense$160,00011,664
Pre-tax net operating income$210,00010,815
Securities gains (losses)$121,000698
Applicable income taxes$89,0009,599
Income before extraordinary items$242,0009,785
Extraordinary gains, net$0249
Net income$242,0009,798
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,00010,214
Cash dividends$150,0006,052
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$153,67010,830
1993-12-31 (YTD Data)Rank
Total interest income$1,528,00011,178
Total interest expense$803,00010,041
Net interest income$725,00011,770
Provision for loan and lease losses$010,371
Total noninterest income$67,00012,150
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0009,905
Trading account gains and feesNANA
Additional Noninterest Income$13,00012,543
Total noninterest expense$512,00012,107
Salaries and employee benefits$268,00011,997
Premises and equipment expense$73,00011,396
Additional noninterest expense$171,00012,145
Pre-tax net operating income$280,00010,399
Securities gains (losses)$180,0001,805
Applicable income taxes$86,00010,077
Income before extraordinary items$374,0008,697
Extraordinary gains, net$03,149
Net income$374,0008,848
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,00011,729
Cash dividends$405,0003,605
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$228,20010,050
1992-12-31 (YTD Data)Rank
Total interest income$1,789,00011,333
Total interest expense$1,025,00010,287
Net interest income$764,00012,050
Provision for loan and lease losses$011,756
Total noninterest income$73,00012,475
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$55,00010,113
Trading account gains and feesNANA
Additional Noninterest Income$18,00012,735
Total noninterest expense$520,00012,524
Salaries and employee benefits$253,00012,576
Premises and equipment expense$69,00011,913
Additional noninterest expense$198,00012,265
Pre-tax net operating income$317,0009,969
Securities gains (losses)$120,0002,718
Applicable income taxes$87,00010,252
Income before extraordinary items$350,0008,724
Extraordinary gains, net$01,422
Net income$350,0008,859
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0007,168
Cash dividends$210,0004,877
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$254,0009,497

* 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.