Home > First United Bank > Income and Expense
First United Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,323,000 | 4,963 |
| Total interest expense | $1,450,000 | 5,310 |
| Net interest income | $3,873,000 | 4,721 |
| Provision for loan and lease losses | $698,000 | 1,428 |
| Total noninterest income | $509,000 | 5,207 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $300,000 | 4,189 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $209,000 | 5,069 |
| Total noninterest expense | $2,389,000 | 5,517 |
| Salaries and employee benefits | $1,016,000 | 6,313 |
| Premises and equipment expense | $267,000 | 6,038 |
| Additional noninterest expense | $1,106,000 | 4,098 |
| Pre-tax net operating income | $1,295,000 | 4,730 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $449,000 | 3,531 |
| Income before extraordinary items | $846,000 | 5,223 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $846,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $550,000 | 1,083 |
| Cash dividends | $710,000 | 3,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $846,000 | 5,192 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,944,000 | 4,958 |
| Total interest expense | $1,013,000 | 5,399 |
| Net interest income | $2,931,000 | 4,716 |
| Provision for loan and lease losses | $461,000 | 1,507 |
| Total noninterest income | $378,000 | 5,239 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $221,000 | 4,251 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $157,000 | 5,109 |
| Total noninterest expense | $1,779,000 | 5,520 |
| Salaries and employee benefits | $783,000 | 6,200 |
| Premises and equipment expense | $200,000 | 6,037 |
| Additional noninterest expense | $796,000 | 4,194 |
| Pre-tax net operating income | $1,069,000 | 4,606 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $372,000 | 3,440 |
| Income before extraordinary items | $697,000 | 5,100 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $697,000 | 5,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $355,000 | 1,112 |
| Cash dividends | $580,000 | 2,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $697,000 | 5,053 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,566,000 | 4,981 |
| Total interest expense | $618,000 | 5,490 |
| Net interest income | $1,948,000 | 4,704 |
| Provision for loan and lease losses | $416,000 | 1,153 |
| Total noninterest income | $245,000 | 5,263 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $143,000 | 4,261 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $102,000 | 5,146 |
| Total noninterest expense | $1,165,000 | 5,565 |
| Salaries and employee benefits | $509,000 | 6,284 |
| Premises and equipment expense | $125,000 | 6,197 |
| Additional noninterest expense | $531,000 | 4,167 |
| Pre-tax net operating income | $612,000 | 4,967 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $215,000 | 3,670 |
| Income before extraordinary items | $397,000 | 5,466 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $397,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 832 |
| Cash dividends | $580,000 | 2,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $397,000 | 5,426 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,266,000 | 5,009 |
| Total interest expense | $290,000 | 5,571 |
| Net interest income | $976,000 | 4,698 |
| Provision for loan and lease losses | $165,000 | 1,303 |
| Total noninterest income | $122,000 | 5,222 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $68,000 | 4,325 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 5,007 |
| Total noninterest expense | $585,000 | 5,589 |
| Salaries and employee benefits | $256,000 | 6,297 |
| Premises and equipment expense | $64,000 | 6,186 |
| Additional noninterest expense | $265,000 | 4,174 |
| Pre-tax net operating income | $348,000 | 4,611 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $122,000 | 3,441 |
| Income before extraordinary items | $226,000 | 5,122 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $226,000 | 5,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 1,285 |
| Cash dividends | $290,000 | 1,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $226,000 | 5,095 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 4,882 |
| Total interest expense | $1,098,000 | 5,387 |
| Net interest income | $3,853,000 | 4,605 |
| Provision for loan and lease losses | $150,000 | 4,230 |
| Total noninterest income | $549,000 | 5,040 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $297,000 | 4,340 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $252,000 | 4,630 |
| Total noninterest expense | $2,369,000 | 5,479 |
| Salaries and employee benefits | $1,046,000 | 6,135 |
| Premises and equipment expense | $201,000 | 6,755 |
| Additional noninterest expense | $1,122,000 | 3,959 |
| Pre-tax net operating income | $1,883,000 | 3,655 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $668,000 | 2,843 |
| Income before extraordinary items | $1,215,000 | 4,177 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,215,000 | 4,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,314 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,215,000 | 4,107 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,661,000 | 4,907 |
| Total interest expense | $794,000 | 5,465 |
| Net interest income | $2,867,000 | 4,622 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $427,000 | 4,976 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $225,000 | 4,347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $202,000 | 4,478 |
| Total noninterest expense | $1,775,000 | 5,450 |
| Salaries and employee benefits | $784,000 | 6,084 |
| Premises and equipment expense | $151,000 | 6,711 |
| Additional noninterest expense | $840,000 | 3,938 |
| Pre-tax net operating income | $1,399,000 | 3,751 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $494,000 | 2,924 |
| Income before extraordinary items | $905,000 | 4,257 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $905,000 | 4,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 1,727 |
| Cash dividends | $250,000 | 3,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $905,000 | 4,180 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,411,000 | 4,968 |
| Total interest expense | $514,000 | 5,575 |
| Net interest income | $1,897,000 | 4,644 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $285,000 | 4,946 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $151,000 | 4,319 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $134,000 | 4,528 |
| Total noninterest expense | $1,160,000 | 5,541 |
| Salaries and employee benefits | $512,000 | 6,210 |
| Premises and equipment expense | $84,000 | 7,130 |
| Additional noninterest expense | $564,000 | 3,930 |
| Pre-tax net operating income | $962,000 | 3,621 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $340,000 | 2,856 |
| Income before extraordinary items | $622,000 | 4,151 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $622,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,383 |
| Cash dividends | $250,000 | 3,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $622,000 | 4,063 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,191,000 | 5,023 |
| Total interest expense | $264,000 | 5,566 |
| Net interest income | $927,000 | 4,721 |
| Provision for loan and lease losses | $35,000 | 3,916 |
| Total noninterest income | $148,000 | 4,809 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $72,000 | 4,358 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $76,000 | 4,277 |
| Total noninterest expense | $550,000 | 5,726 |
| Salaries and employee benefits | $259,000 | 6,213 |
| Premises and equipment expense | $26,000 | 7,959 |
| Additional noninterest expense | $265,000 | 4,125 |
| Pre-tax net operating income | $490,000 | 3,578 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $172,000 | 2,827 |
| Income before extraordinary items | $318,000 | 4,123 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $318,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,260 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $318,000 | 3,978 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,868,000 | 4,988 |
| Total interest expense | $1,219,000 | 5,511 |
| Net interest income | $3,649,000 | 4,656 |
| Provision for loan and lease losses | $195,000 | 4,077 |
| Total noninterest income | $492,000 | 5,485 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $261,000 | 4,646 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $231,000 | 4,994 |
| Total noninterest expense | $2,341,000 | 5,460 |
| Salaries and employee benefits | $1,009,000 | 6,230 |
| Premises and equipment expense | $244,000 | 6,251 |
| Additional noninterest expense | $1,088,000 | 4,009 |
| Pre-tax net operating income | $1,605,000 | 3,954 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $563,000 | 3,177 |
| Income before extraordinary items | $1,042,000 | 4,527 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,042,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,604 |
| Cash dividends | $1,770,000 | 1,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,042,000 | 4,356 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,666,000 | 5,026 |
| Total interest expense | $930,000 | 5,596 |
| Net interest income | $2,736,000 | 4,675 |
| Provision for loan and lease losses | $55,000 | 5,636 |
| Total noninterest income | $368,000 | 5,517 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $189,000 | 4,763 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $179,000 | 5,002 |
| Total noninterest expense | $1,755,000 | 5,429 |
| Salaries and employee benefits | $763,000 | 6,169 |
| Premises and equipment expense | $185,000 | 6,208 |
| Additional noninterest expense | $807,000 | 4,035 |
| Pre-tax net operating income | $1,294,000 | 3,863 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $460,000 | 3,174 |
| Income before extraordinary items | $834,000 | 4,483 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $834,000 | 4,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,318 |
| Cash dividends | $1,770,000 | 1,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $834,000 | 4,317 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,446,000 | 5,060 |
| Total interest expense | $639,000 | 5,634 |
| Net interest income | $1,807,000 | 4,702 |
| Provision for loan and lease losses | $45,000 | 5,281 |
| Total noninterest income | $226,000 | 5,721 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $127,000 | 4,711 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $99,000 | 5,340 |
| Total noninterest expense | $1,162,000 | 5,449 |
| Salaries and employee benefits | $510,000 | 6,191 |
| Premises and equipment expense | $122,000 | 6,222 |
| Additional noninterest expense | $530,000 | 4,050 |
| Pre-tax net operating income | $826,000 | 3,966 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $297,000 | 3,259 |
| Income before extraordinary items | $529,000 | 4,646 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $529,000 | 4,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,501 |
| Cash dividends | $1,770,000 | 835 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $529,000 | 4,439 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,227,000 | 5,074 |
| Total interest expense | $329,000 | 5,652 |
| Net interest income | $898,000 | 4,709 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $114,000 | 5,579 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $63,000 | 4,635 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 5,226 |
| Total noninterest expense | $590,000 | 5,402 |
| Salaries and employee benefits | $257,000 | 6,157 |
| Premises and equipment expense | $65,000 | 6,056 |
| Additional noninterest expense | $268,000 | 4,001 |
| Pre-tax net operating income | $377,000 | 4,190 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $135,000 | 3,410 |
| Income before extraordinary items | $242,000 | 4,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $242,000 | 4,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $242,000 | 4,606 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,369,000 | 4,925 |
| Total interest expense | $1,638,000 | 5,454 |
| Net interest income | $3,731,000 | 4,557 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $423,000 | 5,635 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $256,000 | 4,634 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $167,000 | 5,371 |
| Total noninterest expense | $1,950,000 | 5,961 |
| Salaries and employee benefits | $940,000 | 6,352 |
| Premises and equipment expense | $212,000 | 6,633 |
| Additional noninterest expense | $798,000 | 4,932 |
| Pre-tax net operating income | $1,964,000 | 3,479 |
| Securities gains (losses) | $9,000 | 3,662 |
| Applicable income taxes | $748,000 | 2,712 |
| Income before extraordinary items | $1,225,000 | 4,026 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,225,000 | 4,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,986 |
| Cash dividends | $2,060,000 | 1,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,219,240 | 3,936 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,443,000 | 4,709 |
| Total interest expense | $2,716,000 | 5,098 |
| Net interest income | $3,727,000 | 4,364 |
| Provision for loan and lease losses | $265,000 | 3,485 |
| Total noninterest income | $452,000 | 5,346 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $275,000 | 4,394 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $177,000 | 5,198 |
| Total noninterest expense | $1,978,000 | 5,772 |
| Salaries and employee benefits | $891,000 | 6,408 |
| Premises and equipment expense | $278,000 | 5,763 |
| Additional noninterest expense | $809,000 | 4,743 |
| Pre-tax net operating income | $1,936,000 | 3,250 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $738,000 | 2,578 |
| Income before extraordinary items | $1,198,000 | 3,817 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,198,000 | 3,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,546 |
| Cash dividends | $1,030,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,198,000 | 3,691 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,710,000 | 4,740 |
| Total interest expense | $3,298,000 | 4,576 |
| Net interest income | $3,412,000 | 4,697 |
| Provision for loan and lease losses | $217,000 | 3,564 |
| Total noninterest income | $410,000 | 5,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 4,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 5,391 |
| Total noninterest expense | $1,972,000 | 5,731 |
| Salaries and employee benefits | $925,000 | 6,222 |
| Premises and equipment expense | $271,000 | 5,760 |
| Additional noninterest expense | $776,000 | 4,834 |
| Pre-tax net operating income | $1,633,000 | 3,831 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $592,000 | 3,129 |
| Income before extraordinary items | $1,041,000 | 4,259 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,041,000 | 4,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,977 |
| Cash dividends | $2,025,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,041,000 | 4,271 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,371,000 | 5,329 |
| Total interest expense | $2,118,000 | 5,778 |
| Net interest income | $3,253,000 | 4,883 |
| Provision for loan and lease losses | $205,000 | 3,496 |
| Total noninterest income | $388,000 | 5,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 4,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 5,903 |
| Total noninterest expense | $1,825,000 | 6,027 |
| Salaries and employee benefits | $860,000 | 6,492 |
| Premises and equipment expense | $261,000 | 5,901 |
| Additional noninterest expense | $704,000 | 5,219 |
| Pre-tax net operating income | $1,611,000 | 3,907 |
| Securities gains (losses) | $-3,000 | 8,917 |
| Applicable income taxes | $578,000 | 3,302 |
| Income before extraordinary items | $1,030,000 | 4,339 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,030,000 | 4,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,121 |
| Cash dividends | $523,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,031,920 | 4,299 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,834,000 | 5,813 |
| Total interest expense | $2,013,000 | 6,176 |
| Net interest income | $2,821,000 | 5,375 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $300,000 | 6,484 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 4,973 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 6,959 |
| Total noninterest expense | $1,760,000 | 6,097 |
| Salaries and employee benefits | $821,000 | 6,593 |
| Premises and equipment expense | $262,000 | 5,799 |
| Additional noninterest expense | $677,000 | 5,294 |
| Pre-tax net operating income | $1,301,000 | 4,616 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $490,000 | 3,894 |
| Income before extraordinary items | $814,000 | 5,137 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $814,000 | 5,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,908 |
| Cash dividends | $474,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $812,080 | 5,060 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,530,000 | 6,196 |
| Total interest expense | $1,775,000 | 6,733 |
| Net interest income | $2,755,000 | 5,661 |
| Provision for loan and lease losses | $68,000 | 5,978 |
| Total noninterest income | $291,000 | 6,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,635 |
| Total noninterest expense | $1,790,000 | 6,084 |
| Salaries and employee benefits | $881,000 | 6,393 |
| Premises and equipment expense | $241,000 | 6,194 |
| Additional noninterest expense | $668,000 | 5,403 |
| Pre-tax net operating income | $1,188,000 | 5,280 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $422,000 | 4,716 |
| Income before extraordinary items | $766,000 | 5,597 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $766,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,842 |
| Cash dividends | $418,000 | 3,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $766,000 | 5,551 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,498,000 | 6,403 |
| Total interest expense | $1,779,000 | 6,888 |
| Net interest income | $2,719,000 | 5,845 |
| Provision for loan and lease losses | $110,000 | 4,862 |
| Total noninterest income | $274,000 | 7,268 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,815 |
| Total noninterest expense | $1,739,000 | 6,520 |
| Salaries and employee benefits | $856,000 | 6,674 |
| Premises and equipment expense | $227,000 | 6,573 |
| Additional noninterest expense | $656,000 | 5,997 |
| Pre-tax net operating income | $1,144,000 | 5,279 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $348,000 | 5,346 |
| Income before extraordinary items | $796,000 | 5,328 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $796,000 | 5,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,431 |
| Cash dividends | $364,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $796,000 | 5,265 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,308,000 | 6,678 |
| Total interest expense | $1,638,000 | 7,306 |
| Net interest income | $2,670,000 | 6,010 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $271,000 | 7,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,497 |
| Total noninterest expense | $1,649,000 | 6,846 |
| Salaries and employee benefits | $794,000 | 7,129 |
| Premises and equipment expense | $199,000 | 7,213 |
| Additional noninterest expense | $656,000 | 6,154 |
| Pre-tax net operating income | $1,172,000 | 5,338 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $393,000 | 5,011 |
| Income before extraordinary items | $779,000 | 5,548 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $779,000 | 5,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,265 |
| Cash dividends | $324,000 | 4,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $779,000 | 5,534 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,820,000 | 6,932 |
| Total interest expense | $1,272,000 | 7,652 |
| Net interest income | $2,548,000 | 6,373 |
| Provision for loan and lease losses | $122,000 | 4,017 |
| Total noninterest income | $252,000 | 7,919 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 5,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,251 |
| Total noninterest expense | $1,645,000 | 7,149 |
| Salaries and employee benefits | $756,000 | 7,478 |
| Premises and equipment expense | $196,000 | 7,517 |
| Additional noninterest expense | $693,000 | 6,375 |
| Pre-tax net operating income | $1,033,000 | 5,821 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $337,000 | 5,424 |
| Income before extraordinary items | $696,000 | 5,938 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $696,000 | 5,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,088 |
| Cash dividends | $301,000 | 4,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $696,000 | 5,999 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,894,000 | 6,992 |
| Total interest expense | $1,407,000 | 7,518 |
| Net interest income | $2,487,000 | 6,572 |
| Provision for loan and lease losses | $108,000 | 5,571 |
| Total noninterest income | $260,000 | 8,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 6,185 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,036 |
| Total noninterest expense | $1,662,000 | 7,319 |
| Salaries and employee benefits | $774,000 | 7,475 |
| Premises and equipment expense | $196,000 | 7,757 |
| Additional noninterest expense | $692,000 | 6,621 |
| Pre-tax net operating income | $977,000 | 5,985 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $333,000 | 5,697 |
| Income before extraordinary items | $644,000 | 6,466 |
| Extraordinary gains, net | $28,000 | 2,522 |
| Net income | $672,000 | 6,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,917 |
| Cash dividends | $280,000 | 4,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $644,000 | 6,223 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,063,000 | 7,427 |
| Total interest expense | $1,702,000 | 7,885 |
| Net interest income | $2,361,000 | 6,868 |
| Provision for loan and lease losses | $236,000 | 4,790 |
| Total noninterest income | $240,000 | 8,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 6,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $1,653,000 | 7,394 |
| Salaries and employee benefits | $770,000 | 7,466 |
| Premises and equipment expense | $220,000 | 7,396 |
| Additional noninterest expense | $663,000 | 7,008 |
| Pre-tax net operating income | $712,000 | 7,031 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $244,000 | 6,757 |
| Income before extraordinary items | $469,000 | 7,589 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $469,000 | 7,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 4,399 |
| Cash dividends | $244,000 | 4,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $468,340 | 7,237 |
* 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.