Home > Unity Savings Bank > Income and Expense
Unity Savings Bank, Income and Expense
1996-12-31 (YTD Data) | Rank | |
Total interest income | $5,008,000 | 5,923 |
Total interest expense | $2,731,000 | 5,178 |
Net interest income | $2,277,000 | 6,599 |
Provision for loan and lease losses | $99,000 | 5,170 |
Total noninterest income | $180,000 | 8,532 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $62,000 | 8,488 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $118,000 | 6,646 |
Total noninterest expense | $1,636,000 | 6,750 |
Salaries and employee benefits | $664,000 | 7,747 |
Premises and equipment expense | $144,000 | 8,199 |
Additional noninterest expense | $828,000 | 5,076 |
Pre-tax net operating income | $722,000 | 6,832 |
Securities gains (losses) | $7,000 | 2,762 |
Applicable income taxes | $226,000 | 6,757 |
Income before extraordinary items | $503,000 | 6,887 |
Extraordinary gains, net | $0 | 53 |
Net income | $503,000 | 6,890 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $40,000 | 5,716 |
Cash dividends | $187,000 | 5,618 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $498,170 | 6,851 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $4,648,000 | 6,295 |
Total interest expense | $2,547,000 | 5,483 |
Net interest income | $2,101,000 | 7,081 |
Provision for loan and lease losses | $153,000 | 3,586 |
Total noninterest income | $146,000 | 9,381 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $47,000 | 9,337 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $99,000 | 7,273 |
Total noninterest expense | $1,282,000 | 7,916 |
Salaries and employee benefits | $641,000 | 8,108 |
Premises and equipment expense | $219,000 | 6,844 |
Additional noninterest expense | $422,000 | 7,988 |
Pre-tax net operating income | $812,000 | 6,782 |
Securities gains (losses) | $-21,000 | 10,587 |
Applicable income taxes | $262,000 | 6,486 |
Income before extraordinary items | $529,000 | 7,036 |
Extraordinary gains, net | $0 | 65 |
Net income | $529,000 | 7,035 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $203,000 | 2,473 |
Cash dividends | $112,000 | 6,604 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $543,070 | 6,924 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $4,253,000 | 6,413 |
Total interest expense | $2,135,000 | 5,309 |
Net interest income | $2,118,000 | 7,275 |
Provision for loan and lease losses | $94,000 | 4,709 |
Total noninterest income | $102,000 | 10,687 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $41,000 | 10,006 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $61,000 | 9,058 |
Total noninterest expense | $1,259,000 | 8,393 |
Salaries and employee benefits | $578,000 | 8,771 |
Premises and equipment expense | $228,000 | 6,906 |
Additional noninterest expense | $453,000 | 8,283 |
Pre-tax net operating income | $868,000 | 6,551 |
Securities gains (losses) | $13,000 | 2,050 |
Applicable income taxes | $309,000 | 5,767 |
Income before extraordinary items | $571,000 | 6,752 |
Extraordinary gains, net | $0 | 249 |
Net income | $571,000 | 6,765 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $56,000 | 4,906 |
Cash dividends | $33,000 | 8,313 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $562,550 | 6,866 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $4,325,000 | 6,499 |
Total interest expense | $2,125,000 | 5,550 |
Net interest income | $2,200,000 | 7,187 |
Provision for loan and lease losses | $46,000 | 7,689 |
Total noninterest income | $95,000 | 11,441 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $31,000 | 10,719 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $64,000 | 9,332 |
Total noninterest expense | $1,296,000 | 8,526 |
Salaries and employee benefits | $567,000 | 9,073 |
Premises and equipment expense | $227,000 | 7,148 |
Additional noninterest expense | $502,000 | 8,190 |
Pre-tax net operating income | $953,000 | 6,099 |
Securities gains (losses) | $91,000 | 2,627 |
Applicable income taxes | $411,000 | 4,914 |
Income before extraordinary items | $633,000 | 6,546 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $633,000 | 6,703 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 9,922 |
Cash dividends | $30,000 | 8,419 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $574,760 | 6,715 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $4,562,000 | 6,814 |
Total interest expense | $2,509,000 | 5,977 |
Net interest income | $2,053,000 | 7,607 |
Provision for loan and lease losses | $8,000 | 11,328 |
Total noninterest income | $115,000 | 11,319 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | NA | NA |
Trading account gains and fees | $0 | 504 |
Additional Noninterest Income | $115,000 | 7,597 |
Total noninterest expense | $1,265,000 | 8,790 |
Salaries and employee benefits | $627,000 | 8,575 |
Premises and equipment expense | $189,000 | 8,102 |
Additional noninterest expense | $449,000 | 8,975 |
Pre-tax net operating income | $895,000 | 6,121 |
Securities gains (losses) | $-9,000 | 13,256 |
Applicable income taxes | $292,000 | 6,046 |
Income before extraordinary items | $594,000 | 6,624 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $594,000 | 6,704 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $26,000 | 8,726 |
Cash dividends | $29,000 | 8,286 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $600,030 | 6,208 |
* 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.