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Universal Federal Savings Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$3,356,0006,886
Total interest expense$1,855,0006,340
Net interest income$1,501,0007,328
Provision for loan and lease losses$48,0006,745
Total noninterest income$91,0008,639
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0177
Additional Noninterest Income$91,0006,630
Total noninterest expense$1,215,0007,417
Salaries and employee benefits$641,0007,470
Premises and equipment expense$401,0004,596
Additional noninterest expense$173,0008,882
Pre-tax net operating income$329,0007,276
Securities gains (losses)$-2,0009,092
Applicable income taxes$123,0005,738
Income before extraordinary items$204,0007,701
Extraordinary gains, net$0105
Net income$204,0007,703
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0005,402
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$205,2807,572
2000-12-31 (YTD Data)Rank
Total interest income$3,125,0007,289
Total interest expense$1,807,0006,585
Net interest income$1,318,0007,827
Provision for loan and lease losses$34,0007,119
Total noninterest income$145,0007,964
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0180
Additional Noninterest Income$145,0005,553
Total noninterest expense$1,208,0007,480
Salaries and employee benefits$570,0007,865
Premises and equipment expense$380,0004,664
Additional noninterest expense$258,0008,277
Pre-tax net operating income$221,0008,274
Securities gains (losses)$01,956
Applicable income taxes$49,0007,256
Income before extraordinary items$172,0008,262
Extraordinary gains, net$038
Net income$172,0008,261
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$172,0008,265
1999-12-31 (YTD Data)Rank
Total interest income$2,958,0007,430
Total interest expense$1,609,0006,709
Net interest income$1,349,0007,868
Provision for loan and lease losses$8,0008,218
Total noninterest income$79,0009,159
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$79,0007,173
Total noninterest expense$1,136,0007,736
Salaries and employee benefits$533,0008,142
Premises and equipment expense$388,0004,647
Additional noninterest expense$215,0008,890
Pre-tax net operating income$284,0008,178
Securities gains (losses)$-27,0009,628
Applicable income taxes$87,0007,116
Income before extraordinary items$170,0008,506
Extraordinary gains, net$035
Net income$170,0008,504
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$187,8208,358
1998-12-31 (YTD Data)Rank
Total interest income$2,706,0007,868
Total interest expense$1,590,0006,994
Net interest income$1,116,0008,535
Provision for loan and lease losses$6,0008,399
Total noninterest income$30,00010,094
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$30,0009,010
Total noninterest expense$1,003,0008,107
Salaries and employee benefits$501,0008,354
Premises and equipment expense$336,0005,030
Additional noninterest expense$166,0009,501
Pre-tax net operating income$137,0009,239
Securities gains (losses)$-1,0009,769
Applicable income taxes$42,0008,467
Income before extraordinary items$94,0009,377
Extraordinary gains, net$032
Net income$94,0009,378
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$94,6909,312
1997-12-31 (YTD Data)Rank
Total interest income$2,661,0008,179
Total interest expense$1,542,0007,248
Net interest income$1,119,0008,891
Provision for loan and lease losses$37,0007,107
Total noninterest income$51,00010,261
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$51,0008,389
Total noninterest expense$1,018,0008,281
Salaries and employee benefits$533,0008,372
Premises and equipment expense$344,0004,964
Additional noninterest expense$141,00010,108
Pre-tax net operating income$115,00010,005
Securities gains (losses)$03,944
Applicable income taxes$28,0009,589
Income before extraordinary items$87,00010,037
Extraordinary gains, net$044
Net income$87,00010,040
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$80,0004,246
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$87,00010,001
1996-12-31 (YTD Data)Rank
Total interest income$2,626,0008,523
Total interest expense$1,522,0007,523
Net interest income$1,104,0009,268
Provision for loan and lease losses$67,0005,924
Total noninterest income$98,0009,923
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$98,0007,185
Total noninterest expense$1,293,0007,680
Salaries and employee benefits$552,0008,465
Premises and equipment expense$309,0005,469
Additional noninterest expense$432,0007,612
Pre-tax net operating income$-158,00011,024
Securities gains (losses)$04,148
Applicable income taxes$-70,00011,126
Income before extraordinary items$-88,00010,980
Extraordinary gains, net$053
Net income$-88,00010,979
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-88,00010,934
1995-12-31 (YTD Data)Rank
Total interest income$2,612,0008,787
Total interest expense$1,575,0007,494
Net interest income$1,037,0009,825
Provision for loan and lease losses$95,0004,744
Total noninterest income$111,00010,047
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$111,0006,893
Total noninterest expense$1,029,0008,827
Salaries and employee benefits$553,0008,698
Premises and equipment expense$254,0006,277
Additional noninterest expense$222,00010,163
Pre-tax net operating income$24,00011,406
Securities gains (losses)$03,831
Applicable income taxes$19,00010,770
Income before extraordinary items$5,00011,477
Extraordinary gains, net$065
Net income$5,00011,473
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$190,0002,583
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$5,00011,444
1994-12-31 (YTD Data)Rank
Total interest income$2,400,0009,088
Total interest expense$1,186,0007,966
Net interest income$1,214,0009,730
Provision for loan and lease losses$24,0007,499
Total noninterest income$128,00010,141
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$128,0006,726
Total noninterest expense$1,337,0008,125
Salaries and employee benefits$646,0008,298
Premises and equipment expense$458,0004,099
Additional noninterest expense$233,00010,727
Pre-tax net operating income$-19,00012,131
Securities gains (losses)$03,600
Applicable income taxes$-19,00012,122
Income before extraordinary items$012,035
Extraordinary gains, net$0249
Net income$012,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$012,059
1993-12-31 (YTD Data)Rank
Total interest income$2,552,0009,088
Total interest expense$1,263,0008,025
Net interest income$1,289,0009,768
Provision for loan and lease losses$17,0009,280
Total noninterest income$122,00010,799
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$122,0007,244
Total noninterest expense$1,161,0009,055
Salaries and employee benefits$638,0008,492
Premises and equipment expense$302,0005,819
Additional noninterest expense$221,00011,452
Pre-tax net operating income$233,00010,760
Securities gains (losses)$90,0002,648
Applicable income taxes$-65,00012,908
Income before extraordinary items$388,0008,555
Extraordinary gains, net$03,149
Net income$388,0008,717
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$298,0009,239
1992-12-31 (YTD Data)Rank
Total interest income$2,737,0009,462
Total interest expense$1,564,0008,322
Net interest income$1,173,00010,416
Provision for loan and lease losses$61,0008,508
Total noninterest income$148,00010,533
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$148,0006,686
Total noninterest expense$904,00010,454
Salaries and employee benefits$556,0009,219
Premises and equipment expense$153,0009,020
Additional noninterest expense$195,00012,303
Pre-tax net operating income$356,0009,630
Securities gains (losses)$08,369
Applicable income taxes$284,0006,159
Income before extraordinary items$72,00012,328
Extraordinary gains, net$01,422
Net income$72,00012,351
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$72,00012,040

* 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.