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Unity Savings Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$5,008,0005,923
Total interest expense$2,731,0005,178
Net interest income$2,277,0006,599
Provision for loan and lease losses$99,0005,170
Total noninterest income$180,0008,532
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$62,0008,488
Trading account gains and feesNANA
Additional Noninterest Income$118,0006,646
Total noninterest expense$1,636,0006,750
Salaries and employee benefits$664,0007,747
Premises and equipment expense$144,0008,199
Additional noninterest expense$828,0005,076
Pre-tax net operating income$722,0006,832
Securities gains (losses)$7,0002,762
Applicable income taxes$226,0006,757
Income before extraordinary items$503,0006,887
Extraordinary gains, net$053
Net income$503,0006,890
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0005,716
Cash dividends$187,0005,618
Sale, conversion, retirement of capital stock, net$0953
Net operating income$498,1706,851
1995-12-31 (YTD Data)Rank
Total interest income$4,648,0006,295
Total interest expense$2,547,0005,483
Net interest income$2,101,0007,081
Provision for loan and lease losses$153,0003,586
Total noninterest income$146,0009,381
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$47,0009,337
Trading account gains and feesNANA
Additional Noninterest Income$99,0007,273
Total noninterest expense$1,282,0007,916
Salaries and employee benefits$641,0008,108
Premises and equipment expense$219,0006,844
Additional noninterest expense$422,0007,988
Pre-tax net operating income$812,0006,782
Securities gains (losses)$-21,00010,587
Applicable income taxes$262,0006,486
Income before extraordinary items$529,0007,036
Extraordinary gains, net$065
Net income$529,0007,035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$203,0002,473
Cash dividends$112,0006,604
Sale, conversion, retirement of capital stock, net$0809
Net operating income$543,0706,924
1994-12-31 (YTD Data)Rank
Total interest income$4,253,0006,413
Total interest expense$2,135,0005,309
Net interest income$2,118,0007,275
Provision for loan and lease losses$94,0004,709
Total noninterest income$102,00010,687
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$41,00010,006
Trading account gains and feesNANA
Additional Noninterest Income$61,0009,058
Total noninterest expense$1,259,0008,393
Salaries and employee benefits$578,0008,771
Premises and equipment expense$228,0006,906
Additional noninterest expense$453,0008,283
Pre-tax net operating income$868,0006,551
Securities gains (losses)$13,0002,050
Applicable income taxes$309,0005,767
Income before extraordinary items$571,0006,752
Extraordinary gains, net$0249
Net income$571,0006,765
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$56,0004,906
Cash dividends$33,0008,313
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$562,5506,866
1993-12-31 (YTD Data)Rank
Total interest income$4,325,0006,499
Total interest expense$2,125,0005,550
Net interest income$2,200,0007,187
Provision for loan and lease losses$46,0007,689
Total noninterest income$95,00011,441
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$31,00010,719
Trading account gains and feesNANA
Additional Noninterest Income$64,0009,332
Total noninterest expense$1,296,0008,526
Salaries and employee benefits$567,0009,073
Premises and equipment expense$227,0007,148
Additional noninterest expense$502,0008,190
Pre-tax net operating income$953,0006,099
Securities gains (losses)$91,0002,627
Applicable income taxes$411,0004,914
Income before extraordinary items$633,0006,546
Extraordinary gains, net$03,149
Net income$633,0006,703
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$30,0008,419
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$574,7606,715
1992-12-31 (YTD Data)Rank
Total interest income$4,562,0006,814
Total interest expense$2,509,0005,977
Net interest income$2,053,0007,607
Provision for loan and lease losses$8,00011,328
Total noninterest income$115,00011,319
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$115,0007,597
Total noninterest expense$1,265,0008,790
Salaries and employee benefits$627,0008,575
Premises and equipment expense$189,0008,102
Additional noninterest expense$449,0008,975
Pre-tax net operating income$895,0006,121
Securities gains (losses)$-9,00013,256
Applicable income taxes$292,0006,046
Income before extraordinary items$594,0006,624
Extraordinary gains, net$01,422
Net income$594,0006,704
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0008,726
Cash dividends$29,0008,286
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$600,0306,208

* 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.