Home > First United Bank > Income and Expense
First United Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $340,000 | 8,452 |
| Total interest expense | $116,000 | 8,381 |
| Net interest income | $224,000 | 8,432 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $45,000 | 7,765 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $29,000 | 6,696 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $16,000 | 7,569 |
| Total noninterest expense | $332,000 | 8,169 |
| Salaries and employee benefits | $234,000 | 7,921 |
| Premises and equipment expense | $80,000 | 7,161 |
| Additional noninterest expense | $18,000 | 8,595 |
| Pre-tax net operating income | $-63,000 | 7,910 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-22,000 | 8,210 |
| Income before extraordinary items | $-41,000 | 7,897 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-41,000 | 7,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-41,000 | 7,886 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,472,000 | 2,878 |
| Total interest expense | $1,028,000 | 3,948 |
| Net interest income | $2,444,000 | 2,333 |
| Provision for loan and lease losses | $346,000 | 708 |
| Total noninterest income | $589,000 | 1,981 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $173,000 | 2,320 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $416,000 | 1,549 |
| Total noninterest expense | $2,378,000 | 1,943 |
| Salaries and employee benefits | $1,309,000 | 1,961 |
| Premises and equipment expense | $451,000 | 1,478 |
| Additional noninterest expense | $618,000 | 2,125 |
| Pre-tax net operating income | $309,000 | 4,585 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $114,000 | 3,097 |
| Income before extraordinary items | $195,000 | 5,122 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $195,000 | 5,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,299 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $195,000 | 5,110 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,850,000 | 2,718 |
| Total interest expense | $3,795,000 | 3,717 |
| Net interest income | $10,055,000 | 2,276 |
| Provision for loan and lease losses | $2,386,000 | 481 |
| Total noninterest income | $2,207,000 | 2,076 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $827,000 | 2,066 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,380,000 | 1,772 |
| Total noninterest expense | $10,785,000 | 1,648 |
| Salaries and employee benefits | $6,245,000 | 1,578 |
| Premises and equipment expense | $1,786,000 | 1,436 |
| Additional noninterest expense | $2,754,000 | 1,912 |
| Pre-tax net operating income | $-909,000 | 8,396 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-336,000 | 8,527 |
| Income before extraordinary items | $-573,000 | 8,330 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-573,000 | 8,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,014 |
| Cash dividends | $590,000 | 3,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-573,000 | 8,323 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,195,000 | 2,748 |
| Total interest expense | $2,735,000 | 3,738 |
| Net interest income | $7,460,000 | 2,319 |
| Provision for loan and lease losses | $158,000 | 3,325 |
| Total noninterest income | $1,320,000 | 2,445 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $637,000 | 2,013 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $683,000 | 2,352 |
| Total noninterest expense | $6,798,000 | 1,941 |
| Salaries and employee benefits | $4,037,000 | 1,821 |
| Premises and equipment expense | $1,359,000 | 1,433 |
| Additional noninterest expense | $1,402,000 | 2,715 |
| Pre-tax net operating income | $1,824,000 | 3,312 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $676,000 | 2,422 |
| Income before extraordinary items | $1,148,000 | 3,846 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,148,000 | 3,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 2,222 |
| Cash dividends | $470,000 | 3,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,148,000 | 3,832 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,780,000 | 2,717 |
| Total interest expense | $1,677,000 | 3,838 |
| Net interest income | $5,103,000 | 2,289 |
| Provision for loan and lease losses | $154,000 | 2,538 |
| Total noninterest income | $895,000 | 2,409 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $432,000 | 1,968 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $463,000 | 2,327 |
| Total noninterest expense | $4,509,000 | 1,963 |
| Salaries and employee benefits | $2,739,000 | 1,789 |
| Premises and equipment expense | $921,000 | 1,409 |
| Additional noninterest expense | $849,000 | 2,971 |
| Pre-tax net operating income | $1,335,000 | 3,121 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $494,000 | 2,329 |
| Income before extraordinary items | $841,000 | 3,619 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $841,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $470,000 | 2,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $841,000 | 3,607 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,352,000 | 2,700 |
| Total interest expense | $782,000 | 3,876 |
| Net interest income | $2,570,000 | 2,264 |
| Provision for loan and lease losses | $154,000 | 1,398 |
| Total noninterest income | $400,000 | 2,544 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $226,000 | 1,847 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $174,000 | 2,726 |
| Total noninterest expense | $2,212,000 | 1,997 |
| Salaries and employee benefits | $1,317,000 | 1,871 |
| Premises and equipment expense | $434,000 | 1,495 |
| Additional noninterest expense | $461,000 | 2,748 |
| Pre-tax net operating income | $604,000 | 3,294 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $320,000 | 1,936 |
| Income before extraordinary items | $284,000 | 4,557 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 4,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $284,000 | 4,543 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,320,000 | 2,479 |
| Total interest expense | $2,758,000 | 3,559 |
| Net interest income | $10,562,000 | 2,102 |
| Provision for loan and lease losses | $141,000 | 4,240 |
| Total noninterest income | $1,437,000 | 2,764 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,089,000 | 1,602 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $348,000 | 4,035 |
| Total noninterest expense | $7,811,000 | 2,137 |
| Salaries and employee benefits | $4,800,000 | 1,926 |
| Premises and equipment expense | $1,577,000 | 1,541 |
| Additional noninterest expense | $1,434,000 | 3,344 |
| Pre-tax net operating income | $4,047,000 | 2,206 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,499,000 | 1,705 |
| Income before extraordinary items | $2,548,000 | 2,566 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,548,000 | 2,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,049 |
| Cash dividends | $550,000 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,548,000 | 2,540 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,954,000 | 2,431 |
| Total interest expense | $1,924,000 | 3,615 |
| Net interest income | $8,030,000 | 2,061 |
| Provision for loan and lease losses | $120,000 | 3,874 |
| Total noninterest income | $1,080,000 | 2,756 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $840,000 | 1,539 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $240,000 | 4,204 |
| Total noninterest expense | $5,959,000 | 2,078 |
| Salaries and employee benefits | $3,891,000 | 1,780 |
| Premises and equipment expense | $1,132,000 | 1,604 |
| Additional noninterest expense | $936,000 | 3,687 |
| Pre-tax net operating income | $3,031,000 | 2,217 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,123,000 | 1,730 |
| Income before extraordinary items | $1,908,000 | 2,574 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,908,000 | 2,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,791 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,908,000 | 2,548 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,436,000 | 2,444 |
| Total interest expense | $1,147,000 | 3,749 |
| Net interest income | $5,289,000 | 2,060 |
| Provision for loan and lease losses | $101,000 | 3,328 |
| Total noninterest income | $675,000 | 2,843 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $560,000 | 1,504 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $115,000 | 4,902 |
| Total noninterest expense | $3,879,000 | 2,111 |
| Salaries and employee benefits | $2,542,000 | 1,807 |
| Premises and equipment expense | $747,000 | 1,614 |
| Additional noninterest expense | $590,000 | 3,863 |
| Pre-tax net operating income | $1,984,000 | 2,205 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $734,000 | 1,736 |
| Income before extraordinary items | $1,250,000 | 2,561 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,250,000 | 2,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,825 |
| Cash dividends | $450,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,250,000 | 2,525 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,109,000 | 2,488 |
| Total interest expense | $487,000 | 4,089 |
| Net interest income | $2,622,000 | 2,056 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $349,000 | 2,727 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $278,000 | 1,465 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,437 |
| Total noninterest expense | $2,108,000 | 1,962 |
| Salaries and employee benefits | $1,276,000 | 1,811 |
| Premises and equipment expense | $365,000 | 1,657 |
| Additional noninterest expense | $467,000 | 2,595 |
| Pre-tax net operating income | $863,000 | 2,415 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $319,000 | 1,892 |
| Income before extraordinary items | $544,000 | 2,834 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $544,000 | 2,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $544,000 | 2,783 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,559,000 | 2,482 |
| Total interest expense | $1,805,000 | 3,969 |
| Net interest income | $9,754,000 | 2,085 |
| Provision for loan and lease losses | $214,000 | 3,585 |
| Total noninterest income | $872,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,019,000 | 1,727 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-147,000 | 8,971 |
| Total noninterest expense | $7,229,000 | 2,202 |
| Salaries and employee benefits | $4,697,000 | 1,867 |
| Premises and equipment expense | $1,357,000 | 1,711 |
| Additional noninterest expense | $1,175,000 | 3,821 |
| Pre-tax net operating income | $3,183,000 | 2,457 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,170,000 | 1,938 |
| Income before extraordinary items | $2,013,000 | 2,902 |
| Extraordinary gains, net | $-23,000 | 8,946 |
| Net income | $1,990,000 | 2,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,277 |
| Cash dividends | $550,000 | 3,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,013,000 | 2,843 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,507,000 | 2,490 |
| Total interest expense | $1,319,000 | 4,009 |
| Net interest income | $7,188,000 | 2,106 |
| Provision for loan and lease losses | $191,000 | 3,075 |
| Total noninterest income | $488,000 | 4,617 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $694,000 | 1,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-206,000 | 9,027 |
| Total noninterest expense | $5,384,000 | 2,202 |
| Salaries and employee benefits | $3,489,000 | 1,869 |
| Premises and equipment expense | $1,012,000 | 1,714 |
| Additional noninterest expense | $883,000 | 3,782 |
| Pre-tax net operating income | $2,101,000 | 2,761 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $778,000 | 2,140 |
| Income before extraordinary items | $1,323,000 | 3,304 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,323,000 | 3,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,696 |
| Cash dividends | $300,000 | 3,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,323,000 | 3,220 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,678,000 | 2,468 |
| Total interest expense | $855,000 | 4,080 |
| Net interest income | $4,823,000 | 2,075 |
| Provision for loan and lease losses | $170,000 | 2,510 |
| Total noninterest income | $131,000 | 6,749 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $397,000 | 2,157 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-266,000 | 9,086 |
| Total noninterest expense | $3,604,000 | 2,195 |
| Salaries and employee benefits | $2,351,000 | 1,850 |
| Premises and equipment expense | $675,000 | 1,713 |
| Additional noninterest expense | $578,000 | 3,854 |
| Pre-tax net operating income | $1,180,000 | 3,153 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $437,000 | 2,418 |
| Income before extraordinary items | $743,000 | 3,715 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $743,000 | 3,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,531 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $743,000 | 3,631 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 2,467 |
| Total interest expense | $423,000 | 4,161 |
| Net interest income | $2,413,000 | 2,079 |
| Provision for loan and lease losses | $86,000 | 2,396 |
| Total noninterest income | $-136,000 | 9,111 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $197,000 | 2,109 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-333,000 | 9,125 |
| Total noninterest expense | $1,785,000 | 2,234 |
| Salaries and employee benefits | $1,173,000 | 1,870 |
| Premises and equipment expense | $337,000 | 1,727 |
| Additional noninterest expense | $275,000 | 4,024 |
| Pre-tax net operating income | $406,000 | 4,042 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $150,000 | 3,099 |
| Income before extraordinary items | $256,000 | 4,683 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $256,000 | 4,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $256,000 | 4,557 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,904,000 | 2,844 |
| Total interest expense | $1,548,000 | 4,777 |
| Net interest income | $8,356,000 | 2,322 |
| Provision for loan and lease losses | $255,000 | 3,498 |
| Total noninterest income | $1,122,000 | 3,457 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $887,000 | 1,945 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $235,000 | 4,963 |
| Total noninterest expense | $6,812,000 | 2,309 |
| Salaries and employee benefits | $4,315,000 | 1,986 |
| Premises and equipment expense | $1,391,000 | 1,635 |
| Additional noninterest expense | $1,106,000 | 3,962 |
| Pre-tax net operating income | $2,411,000 | 2,972 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $893,000 | 2,334 |
| Income before extraordinary items | $1,518,000 | 3,533 |
| Extraordinary gains, net | $15,000 | 40 |
| Net income | $1,533,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,982 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,518,000 | 3,375 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,228,000 | 2,976 |
| Total interest expense | $1,129,000 | 4,988 |
| Net interest income | $6,099,000 | 2,404 |
| Provision for loan and lease losses | $125,000 | 4,278 |
| Total noninterest income | $829,000 | 3,556 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $658,000 | 1,969 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $171,000 | 5,087 |
| Total noninterest expense | $4,960,000 | 2,374 |
| Salaries and employee benefits | $3,200,000 | 2,010 |
| Premises and equipment expense | $969,000 | 1,767 |
| Additional noninterest expense | $791,000 | 4,089 |
| Pre-tax net operating income | $1,843,000 | 3,021 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $683,000 | 2,431 |
| Income before extraordinary items | $1,160,000 | 3,589 |
| Extraordinary gains, net | $15,000 | 29 |
| Net income | $1,175,000 | 3,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,382 |
| Cash dividends | $400,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,160,000 | 3,410 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,720,000 | 3,050 |
| Total interest expense | $727,000 | 5,222 |
| Net interest income | $3,993,000 | 2,437 |
| Provision for loan and lease losses | $20,000 | 6,304 |
| Total noninterest income | $534,000 | 3,610 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $421,000 | 1,998 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $113,000 | 5,110 |
| Total noninterest expense | $3,271,000 | 2,395 |
| Salaries and employee benefits | $2,150,000 | 1,985 |
| Premises and equipment expense | $625,000 | 1,823 |
| Additional noninterest expense | $496,000 | 4,272 |
| Pre-tax net operating income | $1,236,000 | 3,016 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $458,000 | 2,449 |
| Income before extraordinary items | $778,000 | 3,583 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $778,000 | 3,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $400,000 | 2,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $778,000 | 3,386 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,206,000 | 3,240 |
| Total interest expense | $352,000 | 5,432 |
| Net interest income | $1,854,000 | 2,616 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $262,000 | 3,532 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $207,000 | 1,965 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $55,000 | 5,085 |
| Total noninterest expense | $1,474,000 | 2,628 |
| Salaries and employee benefits | $943,000 | 2,232 |
| Premises and equipment expense | $300,000 | 1,912 |
| Additional noninterest expense | $231,000 | 4,485 |
| Pre-tax net operating income | $637,000 | 2,951 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $236,000 | 2,418 |
| Income before extraordinary items | $401,000 | 3,445 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $401,000 | 3,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $401,000 | 3,283 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,724,000 | 3,761 |
| Total interest expense | $1,328,000 | 6,101 |
| Net interest income | $6,396,000 | 2,973 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,098,000 | 3,270 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $884,000 | 1,819 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $214,000 | 4,880 |
| Total noninterest expense | $5,402,000 | 2,725 |
| Salaries and employee benefits | $3,383,000 | 2,359 |
| Premises and equipment expense | $974,000 | 2,238 |
| Additional noninterest expense | $1,045,000 | 4,027 |
| Pre-tax net operating income | $2,092,000 | 3,324 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $777,000 | 2,643 |
| Income before extraordinary items | $1,315,000 | 3,857 |
| Extraordinary gains, net | $200,000 | 32 |
| Net income | $1,515,000 | 3,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,420 |
| Cash dividends | $900,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,315,000 | 3,749 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,055,000 | 3,624 |
| Total interest expense | $1,931,000 | 6,203 |
| Net interest income | $7,124,000 | 2,507 |
| Provision for loan and lease losses | $51,000 | 6,641 |
| Total noninterest income | $1,129,000 | 3,061 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $845,000 | 1,798 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $284,000 | 4,234 |
| Total noninterest expense | $4,773,000 | 2,936 |
| Salaries and employee benefits | $3,116,000 | 2,410 |
| Premises and equipment expense | $708,000 | 2,922 |
| Additional noninterest expense | $949,000 | 4,240 |
| Pre-tax net operating income | $3,429,000 | 2,006 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,269,000 | 1,736 |
| Income before extraordinary items | $2,160,000 | 2,370 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,160,000 | 2,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,160,000 | 2,295 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,552,000 | 3,253 |
| Total interest expense | $2,209,000 | 5,967 |
| Net interest income | $8,343,000 | 2,120 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $1,091,000 | 2,959 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $921,000 | 1,489 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $170,000 | 5,188 |
| Total noninterest expense | $4,859,000 | 2,791 |
| Salaries and employee benefits | $3,115,000 | 2,287 |
| Premises and equipment expense | $833,000 | 2,482 |
| Additional noninterest expense | $911,000 | 4,293 |
| Pre-tax net operating income | $4,515,000 | 1,627 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,676,000 | 1,373 |
| Income before extraordinary items | $2,839,000 | 1,837 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,839,000 | 1,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $2,425,000 | 1,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,839,000 | 1,839 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,068,000 | 3,516 |
| Total interest expense | $1,879,000 | 6,208 |
| Net interest income | $7,189,000 | 2,453 |
| Provision for loan and lease losses | $205,000 | 3,496 |
| Total noninterest income | $1,376,000 | 2,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $837,000 | 1,575 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $539,000 | 2,820 |
| Total noninterest expense | $4,811,000 | 2,806 |
| Salaries and employee benefits | $2,924,000 | 2,398 |
| Premises and equipment expense | $735,000 | 2,754 |
| Additional noninterest expense | $1,152,000 | 3,573 |
| Pre-tax net operating income | $3,549,000 | 2,059 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,306,000 | 1,779 |
| Income before extraordinary items | $2,243,000 | 2,316 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,243,000 | 2,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 9,804 |
| Cash dividends | $450,000 | 3,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,243,000 | 2,292 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,197,000 | 3,855 |
| Total interest expense | $2,097,000 | 6,023 |
| Net interest income | $6,100,000 | 2,820 |
| Provision for loan and lease losses | $85,000 | 5,461 |
| Total noninterest income | $1,268,000 | 2,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $819,000 | 1,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $449,000 | 3,194 |
| Total noninterest expense | $4,270,000 | 3,039 |
| Salaries and employee benefits | $2,628,000 | 2,570 |
| Premises and equipment expense | $712,000 | 2,723 |
| Additional noninterest expense | $930,000 | 4,187 |
| Pre-tax net operating income | $3,013,000 | 2,367 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,123,000 | 2,101 |
| Income before extraordinary items | $1,890,000 | 2,689 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,890,000 | 2,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,354 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,890,000 | 2,609 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,151,000 | 4,421 |
| Total interest expense | $1,720,000 | 6,848 |
| Net interest income | $5,431,000 | 3,216 |
| Provision for loan and lease losses | $81,000 | 5,633 |
| Total noninterest income | $1,246,000 | 2,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $768,000 | 1,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $478,000 | 2,912 |
| Total noninterest expense | $3,910,000 | 3,247 |
| Salaries and employee benefits | $2,200,000 | 3,016 |
| Premises and equipment expense | $770,000 | 2,508 |
| Additional noninterest expense | $940,000 | 4,138 |
| Pre-tax net operating income | $2,686,000 | 2,741 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $927,000 | 2,592 |
| Income before extraordinary items | $1,759,000 | 2,894 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,759,000 | 2,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,510 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,759,000 | 2,837 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,344,000 | 4,966 |
| Total interest expense | $1,506,000 | 7,559 |
| Net interest income | $4,838,000 | 3,648 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $1,135,000 | 2,811 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $740,000 | 1,835 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $395,000 | 3,429 |
| Total noninterest expense | $3,340,000 | 3,954 |
| Salaries and employee benefits | $1,805,000 | 3,658 |
| Premises and equipment expense | $736,000 | 2,657 |
| Additional noninterest expense | $799,000 | 5,207 |
| Pre-tax net operating income | $2,618,000 | 2,666 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $889,000 | 2,605 |
| Income before extraordinary items | $1,729,000 | 2,811 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,729,000 | 2,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,424 |
| Cash dividends | $1,050,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,729,000 | 2,772 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,953,000 | 5,237 |
| Total interest expense | $1,232,000 | 8,488 |
| Net interest income | $4,721,000 | 3,722 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,022,000 | 3,054 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $760,000 | 1,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $262,000 | 4,364 |
| Total noninterest expense | $3,234,000 | 4,029 |
| Salaries and employee benefits | $1,648,000 | 3,937 |
| Premises and equipment expense | $796,000 | 2,485 |
| Additional noninterest expense | $790,000 | 5,302 |
| Pre-tax net operating income | $2,509,000 | 2,838 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $915,000 | 2,565 |
| Income before extraordinary items | $1,594,000 | 3,068 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,594,000 | 3,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,594,000 | 3,039 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,186,000 | 5,502 |
| Total interest expense | $946,000 | 8,923 |
| Net interest income | $4,240,000 | 4,154 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,112,000 | 2,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $826,000 | 1,642 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,225 |
| Total noninterest expense | $3,303,000 | 4,054 |
| Salaries and employee benefits | $1,604,000 | 4,038 |
| Premises and equipment expense | $694,000 | 2,853 |
| Additional noninterest expense | $1,005,000 | 4,690 |
| Pre-tax net operating income | $2,049,000 | 3,358 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $764,000 | 2,888 |
| Income before extraordinary items | $1,285,000 | 3,629 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,285,000 | 3,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $850,000 | 2,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,285,000 | 3,666 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,515,000 | 6,299 |
| Total interest expense | $851,000 | 9,784 |
| Net interest income | $3,664,000 | 4,764 |
| Provision for loan and lease losses | $4,000 | 10,179 |
| Total noninterest income | $1,146,000 | 3,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $880,000 | 1,549 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,814 |
| Total noninterest expense | $3,058,000 | 4,434 |
| Salaries and employee benefits | $1,369,000 | 4,649 |
| Premises and equipment expense | $527,000 | 3,696 |
| Additional noninterest expense | $1,162,000 | 4,314 |
| Pre-tax net operating income | $1,748,000 | 3,791 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $634,000 | 3,422 |
| Income before extraordinary items | $1,114,000 | 4,279 |
| Extraordinary gains, net | $84,000 | 1,737 |
| Net income | $1,198,000 | 4,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 11,292 |
| Cash dividends | $425,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,114,000 | 4,061 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,859,000 | 9,220 |
| Total interest expense | $639,000 | 12,117 |
| Net interest income | $2,220,000 | 7,197 |
| Provision for loan and lease losses | $35,000 | 9,755 |
| Total noninterest income | $769,000 | 4,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $659,000 | 2,065 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,754 |
| Total noninterest expense | $2,052,000 | 6,242 |
| Salaries and employee benefits | $908,000 | 6,570 |
| Premises and equipment expense | $366,000 | 5,166 |
| Additional noninterest expense | $778,000 | 6,226 |
| Pre-tax net operating income | $902,000 | 6,089 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $323,000 | 5,657 |
| Income before extraordinary items | $579,000 | 6,713 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $579,000 | 6,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $579,000 | 2,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $579,000 | 6,361 |
* 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.