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Universal Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$1,357,789,00056
Total interest expense$469,011,00074
Net interest income$888,778,00046
Provision for loan and lease losses$352,994,00025
Total noninterest income$545,620,00052
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$4,121,000367
Trading account gains and fees$0177
Additional Noninterest Income$541,499,00040
Total noninterest expense$585,969,00066
Salaries and employee benefits$399,0008,632
Premises and equipment expense$83,0008,575
Additional noninterest expense$585,487,00038
Pre-tax net operating income$495,435,00047
Securities gains (losses)$04,612
Applicable income taxes$183,527,00049
Income before extraordinary items$311,908,00055
Extraordinary gains, net$0105
Net income$311,908,00053
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$415,816,00022
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$311,908,00050
2000-12-31 (YTD Data)Rank
Total interest income$786,407,00095
Total interest expense$376,047,000105
Net interest income$410,360,00082
Provision for loan and lease losses$167,871,00035
Total noninterest income$836,204,00037
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$08,617
Trading account gains and fees$0180
Additional Noninterest Income$836,204,00025
Total noninterest expense$802,573,00051
Salaries and employee benefits$438,0008,563
Premises and equipment expense$817,0002,520
Additional noninterest expense$801,318,00024
Pre-tax net operating income$276,120,00068
Securities gains (losses)$01,956
Applicable income taxes$102,751,00065
Income before extraordinary items$173,369,00066
Extraordinary gains, net$038
Net income$173,369,00066
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$175,771,00027
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$173,369,00067
1999-12-31 (YTD Data)Rank
Total interest income$386,313,000140
Total interest expense$165,387,000155
Net interest income$220,926,000133
Provision for loan and lease losses$137,473,00031
Total noninterest income$935,988,00032
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$08,885
Trading account gains and fees$0173
Additional Noninterest Income$935,988,00025
Total noninterest expense$817,621,00047
Salaries and employee benefits$469,0008,514
Premises and equipment expense$91,0008,805
Additional noninterest expense$817,061,00024
Pre-tax net operating income$201,820,00093
Securities gains (losses)$03,155
Applicable income taxes$74,674,00093
Income before extraordinary items$127,146,00097
Extraordinary gains, net$035
Net income$127,146,00098
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$137,473,00030
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$127,146,00097
1998-12-31 (YTD Data)Rank
Total interest income$264,730,000190
Total interest expense$139,189,000184
Net interest income$125,541,000194
Provision for loan and lease losses$132,152,00037
Total noninterest income$569,011,00039
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$09,085
Trading account gains and fees$0224
Additional Noninterest Income$569,011,00031
Total noninterest expense$574,684,00062
Salaries and employee benefits$437,0008,731
Premises and equipment expense$64,0009,489
Additional noninterest expense$574,183,00030
Pre-tax net operating income$-12,284,00010,470
Securities gains (losses)$04,449
Applicable income taxes$-4,545,00010,451
Income before extraordinary items$-7,739,00010,450
Extraordinary gains, net$032
Net income$-7,739,00010,449
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$140,652,00035
Cash dividends$740,0002,755
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-7,739,00010,447
1997-12-31 (YTD Data)Rank
Total interest income$2,533,0008,334
Total interest expense$729,0009,470
Net interest income$1,804,0007,311
Provision for loan and lease losses$1,037,000965
Total noninterest income$10,058,000572
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,486
Trading account gains and feesNANA
Additional Noninterest Income$10,058,000406
Total noninterest expense$9,650,0001,362
Salaries and employee benefits$557,0008,201
Premises and equipment expense$114,0008,637
Additional noninterest expense$8,979,000634
Pre-tax net operating income$1,175,0005,304
Securities gains (losses)$03,944
Applicable income taxes$435,0004,632
Income before extraordinary items$740,0005,722
Extraordinary gains, net$044
Net income$740,0005,724
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,078,000765
Cash dividends$1,447,0001,665
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$740,0005,677
1996-12-31 (YTD Data)Rank
Total interest income$2,442,0008,763
Total interest expense$916,0009,277
Net interest income$1,526,0008,205
Provision for loan and lease losses$1,217,000881
Total noninterest income$11,362,000544
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,915
Trading account gains and feesNANA
Additional Noninterest Income$11,362,000397
Total noninterest expense$10,757,0001,333
Salaries and employee benefits$557,0008,425
Premises and equipment expense$104,0009,176
Additional noninterest expense$10,096,000671
Pre-tax net operating income$914,0006,038
Securities gains (losses)$04,148
Applicable income taxes$355,0005,274
Income before extraordinary items$559,0006,509
Extraordinary gains, net$053
Net income$559,0006,512
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,070,000861
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$559,0006,446
1995-12-31 (YTD Data)Rank
Total interest income$3,076,0008,089
Total interest expense$1,045,0009,100
Net interest income$2,031,0007,229
Provision for loan and lease losses$-339,00011,875
Total noninterest income$10,462,000587
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,339
Trading account gains and feesNANA
Additional Noninterest Income$10,462,000416
Total noninterest expense$11,374,0001,266
Salaries and employee benefits$639,0008,123
Premises and equipment expense$366,0004,877
Additional noninterest expense$10,369,000662
Pre-tax net operating income$1,458,0004,559
Securities gains (losses)$03,831
Applicable income taxes$570,0003,794
Income before extraordinary items$888,0005,040
Extraordinary gains, net$065
Net income$888,0005,040
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$919,000927
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$888,0005,030
1994-12-31 (YTD Data)Rank
Total interest income$1,971,0009,852
Total interest expense$810,0009,557
Net interest income$1,161,0009,863
Provision for loan and lease losses$943,000971
Total noninterest income$12,849,000500
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,872
Trading account gains and feesNANA
Additional Noninterest Income$12,849,000371
Total noninterest expense$12,511,0001,191
Salaries and employee benefits$113,00012,483
Premises and equipment expense$24,00012,357
Additional noninterest expense$12,374,000595
Pre-tax net operating income$556,0008,272
Securities gains (losses)$03,600
Applicable income taxes$215,0007,096
Income before extraordinary items$341,0008,713
Extraordinary gains, net$0249
Net income$341,0008,715
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$557,0001,284
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$341,0008,777
1993-12-31 (YTD Data)Rank
Total interest income$2,029,00010,117
Total interest expense$634,00010,954
Net interest income$1,395,0009,431
Provision for loan and lease losses$543,0001,982
Total noninterest income$11,190,000560
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,351
Trading account gains and feesNANA
Additional Noninterest Income$11,190,000407
Total noninterest expense$11,593,0001,324
Salaries and employee benefits$77,00013,216
Premises and equipment expense$26,00012,948
Additional noninterest expense$11,490,000682
Pre-tax net operating income$449,0009,034
Securities gains (losses)$07,477
Applicable income taxes$156,0008,496
Income before extraordinary items$293,0009,568
Extraordinary gains, net$40,0002,305
Net income$333,0009,263
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$550,0001,670
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$293,0009,304
1992-12-31 (YTD Data)Rank
Total interest income$2,128,00010,642
Total interest expense$807,00011,298
Net interest income$1,321,0009,899
Provision for loan and lease losses$823,0002,116
Total noninterest income$8,786,000653
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,764
Trading account gains and feesNANA
Additional Noninterest Income$8,786,000473
Total noninterest expense$8,818,0001,720
Salaries and employee benefits$73,00013,847
Premises and equipment expense$19,00013,693
Additional noninterest expense$8,726,000863
Pre-tax net operating income$466,0008,668
Securities gains (losses)$08,369
Applicable income taxes$176,0008,054
Income before extraordinary items$290,0009,453
Extraordinary gains, net$01,422
Net income$290,0009,585
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$547,0002,322
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$290,0009,063

* 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.