Home > Universal National Bank > Income and Expense
Universal National Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,391,000 | 5,614 |
| Total interest expense | $1,739,000 | 6,987 |
| Net interest income | $3,652,000 | 4,661 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,708,000 | 2,088 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,052,000 | 1,274 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $656,000 | 2,413 |
| Total noninterest expense | $3,455,000 | 3,819 |
| Salaries and employee benefits | $1,557,000 | 4,176 |
| Premises and equipment expense | $683,000 | 2,869 |
| Additional noninterest expense | $1,215,000 | 3,743 |
| Pre-tax net operating income | $1,905,000 | 3,536 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $559,000 | 3,791 |
| Income before extraordinary items | $1,346,000 | 3,522 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,346,000 | 3,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,803 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,346,000 | 3,475 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,268,000 | 5,766 |
| Total interest expense | $1,516,000 | 7,657 |
| Net interest income | $3,752,000 | 4,571 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,520,000 | 2,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $943,000 | 1,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $577,000 | 2,605 |
| Total noninterest expense | $3,485,000 | 3,765 |
| Salaries and employee benefits | $1,504,000 | 4,270 |
| Premises and equipment expense | $707,000 | 2,778 |
| Additional noninterest expense | $1,274,000 | 3,565 |
| Pre-tax net operating income | $1,787,000 | 3,868 |
| Securities gains (losses) | $-23,000 | 10,647 |
| Applicable income taxes | $664,000 | 3,387 |
| Income before extraordinary items | $1,100,000 | 4,255 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,100,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,724 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,114,720 | 4,183 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,587,000 | 6,060 |
| Total interest expense | $1,164,000 | 8,047 |
| Net interest income | $3,423,000 | 5,035 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,536,000 | 2,254 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $882,000 | 1,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $654,000 | 2,449 |
| Total noninterest expense | $3,643,000 | 3,716 |
| Salaries and employee benefits | $1,478,000 | 4,334 |
| Premises and equipment expense | $706,000 | 2,808 |
| Additional noninterest expense | $1,459,000 | 3,395 |
| Pre-tax net operating income | $1,316,000 | 4,892 |
| Securities gains (losses) | $-578,000 | 12,283 |
| Applicable income taxes | $314,000 | 5,710 |
| Income before extraordinary items | $424,000 | 7,944 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $424,000 | 7,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,590 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $793,920 | 5,459 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,261,000 | 6,562 |
| Total interest expense | $1,236,000 | 8,127 |
| Net interest income | $3,025,000 | 5,625 |
| Provision for loan and lease losses | $-71,000 | 12,826 |
| Total noninterest income | $1,330,000 | 2,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $862,000 | 1,587 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $468,000 | 3,399 |
| Total noninterest expense | $3,699,000 | 3,735 |
| Salaries and employee benefits | $1,499,000 | 4,278 |
| Premises and equipment expense | $696,000 | 2,895 |
| Additional noninterest expense | $1,504,000 | 3,496 |
| Pre-tax net operating income | $727,000 | 7,221 |
| Securities gains (losses) | $76,000 | 2,857 |
| Applicable income taxes | $286,000 | 6,253 |
| Income before extraordinary items | $517,000 | 7,411 |
| Extraordinary gains, net | $66,000 | 1,954 |
| Net income | $583,000 | 7,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-122,000 | 12,999 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $468,360 | 7,548 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,647,000 | 6,732 |
| Total interest expense | $1,644,000 | 8,066 |
| Net interest income | $3,003,000 | 5,706 |
| Provision for loan and lease losses | $123,000 | 6,648 |
| Total noninterest income | $1,057,000 | 3,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $747,000 | 1,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $310,000 | 4,337 |
| Total noninterest expense | $3,554,000 | 3,880 |
| Salaries and employee benefits | $1,575,000 | 4,042 |
| Premises and equipment expense | $639,000 | 3,165 |
| Additional noninterest expense | $1,340,000 | 3,939 |
| Pre-tax net operating income | $383,000 | 9,396 |
| Securities gains (losses) | $70,000 | 3,586 |
| Applicable income taxes | $148,000 | 8,666 |
| Income before extraordinary items | $305,000 | 9,253 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $305,000 | 9,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 4,547 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $258,100 | 9,442 |
* 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.