Home > United American Bank of Central Florida > Income and Expense
United American Bank of Central Florida, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,788,000 | 1,668 |
| Total interest expense | $8,045,000 | 1,926 |
| Net interest income | $11,743,000 | 1,472 |
| Provision for loan and lease losses | $556,000 | 1,639 |
| Total noninterest income | $2,251,000 | 1,610 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,647,000 | 773 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $604,000 | 2,458 |
| Total noninterest expense | $8,266,000 | 1,593 |
| Salaries and employee benefits | $4,393,000 | 1,483 |
| Premises and equipment expense | $1,448,000 | 1,358 |
| Additional noninterest expense | $2,425,000 | 1,747 |
| Pre-tax net operating income | $5,172,000 | 1,494 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,944,000 | 1,364 |
| Income before extraordinary items | $3,228,000 | 1,670 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,228,000 | 1,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,809 |
| Cash dividends | $700,000 | 2,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,228,000 | 1,631 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,609,000 | 2,301 |
| Total interest expense | $5,476,000 | 2,781 |
| Net interest income | $9,133,000 | 1,970 |
| Provision for loan and lease losses | $396,000 | 2,117 |
| Total noninterest income | $1,838,000 | 1,975 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,363,000 | 975 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $475,000 | 3,036 |
| Total noninterest expense | $6,390,000 | 2,150 |
| Salaries and employee benefits | $3,382,000 | 1,947 |
| Premises and equipment expense | $1,065,000 | 1,889 |
| Additional noninterest expense | $1,943,000 | 2,523 |
| Pre-tax net operating income | $4,185,000 | 1,715 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $1,609,000 | 1,498 |
| Income before extraordinary items | $2,582,000 | 1,917 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,582,000 | 1,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,970 |
| Cash dividends | $750,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,578,160 | 1,881 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,755,000 | 2,835 |
| Total interest expense | $4,500,000 | 3,305 |
| Net interest income | $7,255,000 | 2,479 |
| Provision for loan and lease losses | $615,000 | 1,318 |
| Total noninterest income | $1,270,000 | 2,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $941,000 | 1,451 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $329,000 | 3,778 |
| Total noninterest expense | $5,391,000 | 2,522 |
| Salaries and employee benefits | $2,584,000 | 2,588 |
| Premises and equipment expense | $1,110,000 | 1,818 |
| Additional noninterest expense | $1,697,000 | 2,758 |
| Pre-tax net operating income | $2,519,000 | 2,819 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $668,000 | 3,373 |
| Income before extraordinary items | $1,851,000 | 2,678 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,851,000 | 2,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,265 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 124 |
| Net operating income | $1,851,000 | 2,643 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,383,000 | 4,025 |
| Total interest expense | $2,555,000 | 4,557 |
| Net interest income | $4,828,000 | 3,677 |
| Provision for loan and lease losses | $419,000 | 1,772 |
| Total noninterest income | $1,077,000 | 2,947 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $684,000 | 1,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $393,000 | 3,445 |
| Total noninterest expense | $4,407,000 | 3,122 |
| Salaries and employee benefits | $1,935,000 | 3,386 |
| Premises and equipment expense | $831,000 | 2,442 |
| Additional noninterest expense | $1,641,000 | 3,064 |
| Pre-tax net operating income | $1,079,000 | 5,647 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $44,000 | 10,609 |
| Income before extraordinary items | $1,035,000 | 4,406 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,035,000 | 4,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-208,000 | 12,415 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,035,000 | 4,459 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,359,000 | 4,709 |
| Total interest expense | $2,563,000 | 4,707 |
| Net interest income | $3,796,000 | 4,615 |
| Provision for loan and lease losses | $2,516,000 | 681 |
| Total noninterest income | $832,000 | 3,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $430,000 | 3,226 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $402,000 | 3,737 |
| Total noninterest expense | $3,685,000 | 3,748 |
| Salaries and employee benefits | $1,379,000 | 4,624 |
| Premises and equipment expense | $761,000 | 2,678 |
| Additional noninterest expense | $1,545,000 | 3,420 |
| Pre-tax net operating income | $-1,573,000 | 13,040 |
| Securities gains (losses) | $150,000 | 1,977 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-1,423,000 | 13,048 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,423,000 | 13,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,050,000 | 466 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 347 |
| Net operating income | $-1,573,000 | 13,027 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,150,000 | 4,748 |
| Total interest expense | $3,243,000 | 4,850 |
| Net interest income | $3,907,000 | 4,545 |
| Provision for loan and lease losses | $1,461,000 | 1,428 |
| Total noninterest income | $578,000 | 5,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $372,000 | 3,719 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $206,000 | 5,582 |
| Total noninterest expense | $2,983,000 | 4,560 |
| Salaries and employee benefits | $1,212,000 | 5,111 |
| Premises and equipment expense | $683,000 | 2,979 |
| Additional noninterest expense | $1,088,000 | 4,728 |
| Pre-tax net operating income | $41,000 | 12,467 |
| Securities gains (losses) | $216,000 | 1,906 |
| Applicable income taxes | $80,000 | 10,440 |
| Income before extraordinary items | $177,000 | 10,906 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $177,000 | 11,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 3,328 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $27,960 | 12,488 |
* 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.