Home > University Bank and Trust Company > Income and Expense
University Bank and Trust Company, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $25,218,000 | 1,361 |
| Total interest expense | $6,953,000 | 2,247 |
| Net interest income | $18,265,000 | 1,008 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $2,888,000 | 1,388 |
| Gross Fiduciary activities income | $2,126,000 | 365 |
| Service charges on deposit accounts | $380,000 | 3,520 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $382,000 | 3,413 |
| Total noninterest expense | $12,249,000 | 1,196 |
| Salaries and employee benefits | $6,718,000 | 1,024 |
| Premises and equipment expense | $1,087,000 | 1,859 |
| Additional noninterest expense | $4,444,000 | 1,229 |
| Pre-tax net operating income | $8,779,000 | 918 |
| Securities gains (losses) | $17,000 | 2,020 |
| Applicable income taxes | $3,952,000 | 733 |
| Income before extraordinary items | $4,844,000 | 1,092 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,844,000 | 1,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 1,829 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,833,120 | 1,079 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,986,000 | 1,162 |
| Total interest expense | $7,472,000 | 1,676 |
| Net interest income | $19,514,000 | 942 |
| Provision for loan and lease losses | $635,000 | 1,286 |
| Total noninterest income | $3,844,000 | 1,116 |
| Gross Fiduciary activities income | $2,681,000 | 316 |
| Service charges on deposit accounts | $509,000 | 2,698 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $654,000 | 2,449 |
| Total noninterest expense | $15,433,000 | 985 |
| Salaries and employee benefits | $9,418,000 | 736 |
| Premises and equipment expense | $1,371,000 | 1,520 |
| Additional noninterest expense | $4,644,000 | 1,250 |
| Pre-tax net operating income | $7,290,000 | 1,044 |
| Securities gains (losses) | $15,000 | 1,966 |
| Applicable income taxes | $2,084,000 | 1,163 |
| Income before extraordinary items | $5,221,000 | 979 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,221,000 | 975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,224,000 | 770 |
| Cash dividends | $2,420,000 | 950 |
| Sale, conversion, retirement of capital stock, net | $1,523,000 | 348 |
| Net operating income | $5,210,350 | 994 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $23,501,000 | 1,354 |
| Total interest expense | $6,418,000 | 2,013 |
| Net interest income | $17,083,000 | 1,077 |
| Provision for loan and lease losses | $2,833,000 | 639 |
| Total noninterest income | $3,504,000 | 1,289 |
| Gross Fiduciary activities income | $2,427,000 | 340 |
| Service charges on deposit accounts | $510,000 | 2,726 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $567,000 | 2,994 |
| Total noninterest expense | $13,515,000 | 1,161 |
| Salaries and employee benefits | $8,396,000 | 829 |
| Premises and equipment expense | $1,235,000 | 1,698 |
| Additional noninterest expense | $3,884,000 | 1,562 |
| Pre-tax net operating income | $4,239,000 | 1,634 |
| Securities gains (losses) | $1,646,000 | 369 |
| Applicable income taxes | $1,644,000 | 1,451 |
| Income before extraordinary items | $4,241,000 | 1,204 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,241,000 | 1,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $825,000 | 1,298 |
| Cash dividends | $1,871,000 | 1,092 |
| Sale, conversion, retirement of capital stock, net | $739,000 | 529 |
| Net operating income | $3,055,880 | 1,567 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $23,865,000 | 1,524 |
| Total interest expense | $8,096,000 | 2,098 |
| Net interest income | $15,769,000 | 1,192 |
| Provision for loan and lease losses | $2,215,000 | 1,069 |
| Total noninterest income | $3,058,000 | 1,416 |
| Gross Fiduciary activities income | $2,046,000 | 380 |
| Service charges on deposit accounts | $510,000 | 2,716 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $502,000 | 3,176 |
| Total noninterest expense | $11,812,000 | 1,339 |
| Salaries and employee benefits | $7,253,000 | 941 |
| Premises and equipment expense | $1,087,000 | 1,945 |
| Additional noninterest expense | $3,472,000 | 1,765 |
| Pre-tax net operating income | $4,800,000 | 1,328 |
| Securities gains (losses) | $836,000 | 743 |
| Applicable income taxes | $1,555,000 | 1,411 |
| Income before extraordinary items | $4,081,000 | 1,147 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,081,000 | 1,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 3,001 |
| Cash dividends | $1,430,000 | 1,149 |
| Sale, conversion, retirement of capital stock, net | $583,000 | 522 |
| Net operating income | $3,479,080 | 1,240 |
* 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.