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United Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,532,000	10,055
Total interest expense	$577,000	10,346
Net interest income	$955,000	9,678
Provision for loan and lease losses	$100,000	5,070
Total noninterest income	$115,000	9,612
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	8,049
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	9,496
Total noninterest expense	$646,000	10,007
Salaries and employee benefits	$389,000	9,679
Premises and equipment expense	$63,000	10,274
Additional noninterest expense	$194,000	10,005
Pre-tax net operating income	$324,000	8,966
Securities gains (losses)	$-2,000	9,485
Applicable income taxes	$79,000	9,173
Income before extraordinary items	$243,000	8,897
Extraordinary gains, net	$0	53
Net income	$243,000	8,900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$147,000	3,215
Cash dividends	$95,000	6,831
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$244,500	8,823
1995-12-31 (YTD Data)		Rank
Total interest income	$1,532,000	10,470
Total interest expense	$586,000	10,719
Net interest income	$946,000	10,102
Provision for loan and lease losses	$0	8,958
Total noninterest income	$105,000	10,171
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	8,338
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	10,525
Total noninterest expense	$671,000	10,292
Salaries and employee benefits	$415,000	9,834
Premises and equipment expense	$54,000	10,964
Additional noninterest expense	$202,000	10,386
Pre-tax net operating income	$380,000	9,195
Securities gains (losses)	$-5,000	9,676
Applicable income taxes	$102,000	9,142
Income before extraordinary items	$273,000	9,201
Extraordinary gains, net	$0	65
Net income	$273,000	9,205
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,260
Cash dividends	$140,000	6,201
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$276,650	9,138
1994-12-31 (YTD Data)		Rank
Total interest income	$1,382,000	10,973
Total interest expense	$474,000	11,212
Net interest income	$908,000	10,699
Provision for loan and lease losses	$0	9,146
Total noninterest income	$114,000	10,428
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	8,715
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,473
Total noninterest expense	$700,000	10,702
Salaries and employee benefits	$397,000	10,314
Premises and equipment expense	$69,000	10,998
Additional noninterest expense	$234,000	10,716
Pre-tax net operating income	$322,000	9,971
Securities gains (losses)	$-18,000	10,260
Applicable income taxes	$78,000	9,862
Income before extraordinary items	$226,000	9,965
Extraordinary gains, net	$0	249
Net income	$226,000	9,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$115,000	6,631
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$239,320	9,889
1993-12-31 (YTD Data)		Rank
Total interest income	$1,365,000	11,531
Total interest expense	$469,000	11,843
Net interest income	$896,000	11,178
Provision for loan and lease losses	$0	10,371
Total noninterest income	$109,000	11,107
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	9,272
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	10,863
Total noninterest expense	$714,000	11,097
Salaries and employee benefits	$405,000	10,586
Premises and equipment expense	$64,000	11,705
Additional noninterest expense	$245,000	11,144
Pre-tax net operating income	$291,000	10,311
Securities gains (losses)	$9,000	5,582
Applicable income taxes	$52,000	10,892
Income before extraordinary items	$253,000	10,004
Extraordinary gains, net	$0	3,149
Net income	$253,000	10,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-39,000	12,527
Cash dividends	$109,000	6,730
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$245,530	9,852
1992-12-31 (YTD Data)		Rank
Total interest income	$1,560,000	11,824
Total interest expense	$628,000	12,158
Net interest income	$932,000	11,376
Provision for loan and lease losses	$0	11,756
Total noninterest income	$110,000	11,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,957
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	10,352
Total noninterest expense	$701,000	11,516
Salaries and employee benefits	$379,000	11,109
Premises and equipment expense	$61,000	12,225
Additional noninterest expense	$261,000	11,394
Pre-tax net operating income	$341,000	9,768
Securities gains (losses)	$0	8,369
Applicable income taxes	$139,000	8,913
Income before extraordinary items	$202,000	10,570
Extraordinary gains, net	$0	1,422
Net income	$202,000	10,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	12,901
Cash dividends	$112,000	6,357
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$202,000	10,232

* 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.