Home > University National Bank - Galveston > Income and Expense
University National Bank - Galveston, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,241,000 | 5,030 |
| Total interest expense | $2,670,000 | 5,277 |
| Net interest income | $3,571,000 | 4,773 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $952,000 | 3,225 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $748,000 | 1,821 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $204,000 | 5,077 |
| Total noninterest expense | $3,406,000 | 3,839 |
| Salaries and employee benefits | $1,441,000 | 4,441 |
| Premises and equipment expense | $727,000 | 2,710 |
| Additional noninterest expense | $1,238,000 | 3,647 |
| Pre-tax net operating income | $1,097,000 | 5,608 |
| Securities gains (losses) | $-52,000 | 11,200 |
| Applicable income taxes | $411,000 | 4,855 |
| Income before extraordinary items | $634,000 | 6,408 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $634,000 | 6,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,321 |
| Cash dividends | $293,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $667,280 | 6,173 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,718,000 | 5,073 |
| Total interest expense | $2,176,000 | 5,218 |
| Net interest income | $3,542,000 | 4,888 |
| Provision for loan and lease losses | $168,000 | 3,376 |
| Total noninterest income | $990,000 | 3,136 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $699,000 | 1,933 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $291,000 | 4,167 |
| Total noninterest expense | $3,082,000 | 4,312 |
| Salaries and employee benefits | $1,215,000 | 5,189 |
| Premises and equipment expense | $573,000 | 3,407 |
| Additional noninterest expense | $1,294,000 | 3,789 |
| Pre-tax net operating income | $1,282,000 | 4,993 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $455,000 | 4,351 |
| Income before extraordinary items | $820,000 | 5,267 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $820,000 | 5,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,906 |
| Cash dividends | $2,522,000 | 918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $824,480 | 5,301 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,002,000 | 6,875 |
| Total interest expense | $1,617,000 | 6,830 |
| Net interest income | $2,385,000 | 6,763 |
| Provision for loan and lease losses | $121,000 | 5,179 |
| Total noninterest income | $614,000 | 4,880 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $506,000 | 2,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 7,642 |
| Total noninterest expense | $2,236,000 | 5,784 |
| Salaries and employee benefits | $834,000 | 7,113 |
| Premises and equipment expense | $361,000 | 5,108 |
| Additional noninterest expense | $1,041,000 | 4,755 |
| Pre-tax net operating income | $642,000 | 7,672 |
| Securities gains (losses) | $-10,000 | 12,776 |
| Applicable income taxes | $220,000 | 7,257 |
| Income before extraordinary items | $412,000 | 8,311 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $412,000 | 8,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 3,245 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $418,500 | 7,978 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,142,000 | 4,756 |
| Total interest expense | $3,093,000 | 5,026 |
| Net interest income | $4,049,000 | 4,392 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $988,000 | 3,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $736,000 | 1,837 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $252,000 | 4,933 |
| Total noninterest expense | $3,499,000 | 3,937 |
| Salaries and employee benefits | $1,685,000 | 3,797 |
| Premises and equipment expense | $509,000 | 3,907 |
| Additional noninterest expense | $1,305,000 | 4,025 |
| Pre-tax net operating income | $1,508,000 | 4,029 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $411,000 | 4,684 |
| Income before extraordinary items | $1,107,000 | 4,107 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,107,000 | 4,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 3,952 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,099,700 | 3,820 |
* 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.