Home > The Union County National Bank of Liberty > Income and Expense
The Union County National Bank of Liberty, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,008,000 | 2,825 |
| Total interest expense | $3,289,000 | 2,421 |
| Net interest income | $6,719,000 | 3,003 |
| Provision for loan and lease losses | $140,000 | 4,374 |
| Total noninterest income | $1,908,000 | 2,267 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $964,000 | 1,821 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $944,000 | 2,232 |
| Total noninterest expense | $4,830,000 | 3,218 |
| Salaries and employee benefits | $2,398,000 | 3,454 |
| Premises and equipment expense | $528,000 | 3,916 |
| Additional noninterest expense | $1,904,000 | 2,529 |
| Pre-tax net operating income | $3,657,000 | 2,201 |
| Securities gains (losses) | $209,000 | 806 |
| Applicable income taxes | $1,157,000 | 1,952 |
| Income before extraordinary items | $2,709,000 | 2,261 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,709,000 | 2,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,010 |
| Cash dividends | $2,180,000 | 1,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,562,700 | 2,325 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,418,000 | 2,822 |
| Total interest expense | $2,455,000 | 2,396 |
| Net interest income | $4,963,000 | 3,023 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $1,394,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $723,000 | 1,831 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $671,000 | 2,327 |
| Total noninterest expense | $3,583,000 | 3,231 |
| Salaries and employee benefits | $1,807,000 | 3,414 |
| Premises and equipment expense | $369,000 | 4,124 |
| Additional noninterest expense | $1,407,000 | 2,522 |
| Pre-tax net operating income | $2,724,000 | 2,231 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $810,000 | 2,085 |
| Income before extraordinary items | $1,915,000 | 2,410 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,915,000 | 2,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,322 |
| Cash dividends | $2,030,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,914,300 | 2,358 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,932,000 | 2,819 |
| Total interest expense | $1,626,000 | 2,385 |
| Net interest income | $3,306,000 | 3,018 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $916,000 | 2,334 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $471,000 | 1,852 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $445,000 | 2,365 |
| Total noninterest expense | $2,374,000 | 3,249 |
| Salaries and employee benefits | $1,165,000 | 3,535 |
| Premises and equipment expense | $253,000 | 4,030 |
| Additional noninterest expense | $956,000 | 2,489 |
| Pre-tax net operating income | $1,818,000 | 2,215 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $558,000 | 2,038 |
| Income before extraordinary items | $1,261,000 | 2,416 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,261,000 | 2,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,375 |
| Cash dividends | $1,160,000 | 1,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,260,310 | 2,348 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 2,782 |
| Total interest expense | $844,000 | 2,328 |
| Net interest income | $1,661,000 | 2,988 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $398,000 | 2,544 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $221,000 | 1,907 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $177,000 | 2,669 |
| Total noninterest expense | $1,168,000 | 3,299 |
| Salaries and employee benefits | $581,000 | 3,575 |
| Premises and equipment expense | $120,000 | 4,238 |
| Additional noninterest expense | $467,000 | 2,519 |
| Pre-tax net operating income | $891,000 | 2,222 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $271,000 | 2,076 |
| Income before extraordinary items | $621,000 | 2,419 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $621,000 | 2,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,777 |
| Cash dividends | $510,000 | 1,158 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $620,300 | 2,335 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,899,000 | 2,599 |
| Total interest expense | $3,924,000 | 2,250 |
| Net interest income | $6,975,000 | 2,759 |
| Provision for loan and lease losses | $520,000 | 2,094 |
| Total noninterest income | $1,769,000 | 2,522 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $874,000 | 1,964 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $895,000 | 2,554 |
| Total noninterest expense | $5,290,000 | 2,922 |
| Salaries and employee benefits | $2,177,000 | 3,656 |
| Premises and equipment expense | $427,000 | 4,519 |
| Additional noninterest expense | $2,686,000 | 1,803 |
| Pre-tax net operating income | $2,934,000 | 2,557 |
| Securities gains (losses) | $-6,000 | 8,711 |
| Applicable income taxes | $918,000 | 2,296 |
| Income before extraordinary items | $2,010,000 | 2,855 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,010,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 2,069 |
| Cash dividends | $3,145,000 | 956 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,014,140 | 2,724 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,320,000 | 2,606 |
| Total interest expense | $3,012,000 | 2,281 |
| Net interest income | $5,308,000 | 2,748 |
| Provision for loan and lease losses | $500,000 | 1,656 |
| Total noninterest income | $1,359,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $641,000 | 2,013 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $718,000 | 2,518 |
| Total noninterest expense | $3,575,000 | 3,173 |
| Salaries and employee benefits | $1,621,000 | 3,665 |
| Premises and equipment expense | $340,000 | 4,345 |
| Additional noninterest expense | $1,614,000 | 2,223 |
| Pre-tax net operating income | $2,592,000 | 2,308 |
| Securities gains (losses) | $-6,000 | 8,888 |
| Applicable income taxes | $844,000 | 2,130 |
| Income before extraordinary items | $1,742,000 | 2,628 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,742,000 | 2,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,549 |
| Cash dividends | $2,545,000 | 838 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,746,020 | 2,492 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,679,000 | 2,569 |
| Total interest expense | $2,070,000 | 2,290 |
| Net interest income | $3,609,000 | 2,701 |
| Provision for loan and lease losses | $360,000 | 1,536 |
| Total noninterest income | $839,000 | 2,661 |
| Gross Fiduciary activities income | $12,000 | 1,199 |
| Service charges on deposit accounts | $395,000 | 2,120 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $432,000 | 2,669 |
| Total noninterest expense | $2,422,000 | 3,131 |
| Salaries and employee benefits | $1,084,000 | 3,657 |
| Premises and equipment expense | $221,000 | 4,431 |
| Additional noninterest expense | $1,117,000 | 2,139 |
| Pre-tax net operating income | $1,666,000 | 2,379 |
| Securities gains (losses) | $-6,000 | 9,006 |
| Applicable income taxes | $544,000 | 2,197 |
| Income before extraordinary items | $1,116,000 | 2,734 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,116,000 | 2,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 1,671 |
| Cash dividends | $2,445,000 | 621 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,120,020 | 2,572 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,879,000 | 2,543 |
| Total interest expense | $1,083,000 | 2,249 |
| Net interest income | $1,796,000 | 2,688 |
| Provision for loan and lease losses | $180,000 | 1,475 |
| Total noninterest income | $384,000 | 2,748 |
| Gross Fiduciary activities income | $3,000 | 1,293 |
| Service charges on deposit accounts | $168,000 | 2,355 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $213,000 | 2,615 |
| Total noninterest expense | $1,185,000 | 3,188 |
| Salaries and employee benefits | $531,000 | 3,722 |
| Premises and equipment expense | $119,000 | 4,200 |
| Additional noninterest expense | $535,000 | 2,194 |
| Pre-tax net operating income | $815,000 | 2,430 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $266,000 | 2,227 |
| Income before extraordinary items | $549,000 | 2,741 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $549,000 | 2,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,492 |
| Cash dividends | $525,000 | 1,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $549,000 | 2,603 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,789,000 | 2,418 |
| Total interest expense | $5,787,000 | 1,963 |
| Net interest income | $7,002,000 | 2,730 |
| Provision for loan and lease losses | $680,000 | 1,880 |
| Total noninterest income | $1,187,000 | 3,100 |
| Gross Fiduciary activities income | $24,000 | 1,242 |
| Service charges on deposit accounts | $642,000 | 2,438 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $521,000 | 3,208 |
| Total noninterest expense | $3,808,000 | 3,698 |
| Salaries and employee benefits | $1,932,000 | 3,849 |
| Premises and equipment expense | $479,000 | 4,067 |
| Additional noninterest expense | $1,397,000 | 3,136 |
| Pre-tax net operating income | $3,701,000 | 2,119 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $1,214,000 | 1,932 |
| Income before extraordinary items | $2,510,000 | 2,340 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,510,000 | 2,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $811,000 | 1,145 |
| Cash dividends | $3,640,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,494,590 | 2,277 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,230,000 | 2,235 |
| Total interest expense | $8,626,000 | 1,875 |
| Net interest income | $6,604,000 | 2,702 |
| Provision for loan and lease losses | $380,000 | 2,732 |
| Total noninterest income | $936,000 | 3,492 |
| Gross Fiduciary activities income | $16,000 | 1,343 |
| Service charges on deposit accounts | $594,000 | 2,454 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $326,000 | 3,933 |
| Total noninterest expense | $3,680,000 | 3,682 |
| Salaries and employee benefits | $1,841,000 | 3,847 |
| Premises and equipment expense | $568,000 | 3,527 |
| Additional noninterest expense | $1,271,000 | 3,316 |
| Pre-tax net operating income | $3,480,000 | 1,984 |
| Securities gains (losses) | $33,000 | 2,734 |
| Applicable income taxes | $1,148,000 | 1,884 |
| Income before extraordinary items | $2,365,000 | 2,194 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,365,000 | 2,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 1,662 |
| Cash dividends | $2,260,000 | 1,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,342,890 | 2,140 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,476,000 | 2,136 |
| Total interest expense | $9,960,000 | 1,732 |
| Net interest income | $6,516,000 | 2,733 |
| Provision for loan and lease losses | $239,000 | 3,391 |
| Total noninterest income | $932,000 | 3,306 |
| Gross Fiduciary activities income | $21,000 | 1,151 |
| Service charges on deposit accounts | $586,000 | 2,345 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $325,000 | 3,750 |
| Total noninterest expense | $3,387,000 | 3,826 |
| Salaries and employee benefits | $1,858,000 | 3,685 |
| Premises and equipment expense | $575,000 | 3,388 |
| Additional noninterest expense | $954,000 | 4,139 |
| Pre-tax net operating income | $3,822,000 | 1,911 |
| Securities gains (losses) | $-78,000 | 9,347 |
| Applicable income taxes | $1,127,000 | 1,922 |
| Income before extraordinary items | $2,617,000 | 1,991 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,617,000 | 1,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,263 |
| Cash dividends | $5,515,000 | 577 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,671,600 | 1,954 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,232,000 | 2,146 |
| Total interest expense | $8,918,000 | 1,686 |
| Net interest income | $6,314,000 | 2,788 |
| Provision for loan and lease losses | $183,000 | 3,738 |
| Total noninterest income | $733,000 | 3,852 |
| Gross Fiduciary activities income | $14,000 | 1,236 |
| Service charges on deposit accounts | $508,000 | 2,600 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $211,000 | 4,819 |
| Total noninterest expense | $3,309,000 | 3,891 |
| Salaries and employee benefits | $1,987,000 | 3,460 |
| Premises and equipment expense | $537,000 | 3,553 |
| Additional noninterest expense | $785,000 | 4,863 |
| Pre-tax net operating income | $3,555,000 | 2,052 |
| Securities gains (losses) | $23,000 | 1,318 |
| Applicable income taxes | $1,189,000 | 1,940 |
| Income before extraordinary items | $2,389,000 | 2,194 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,389,000 | 2,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,227 |
| Cash dividends | $1,231,000 | 1,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,373,590 | 2,175 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,565,000 | 2,237 |
| Total interest expense | $8,691,000 | 1,766 |
| Net interest income | $5,874,000 | 2,939 |
| Provision for loan and lease losses | $250,000 | 2,981 |
| Total noninterest income | $632,000 | 4,241 |
| Gross Fiduciary activities income | $5,000 | 1,335 |
| Service charges on deposit accounts | $449,000 | 2,821 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $178,000 | 5,261 |
| Total noninterest expense | $2,989,000 | 4,132 |
| Salaries and employee benefits | $1,721,000 | 3,800 |
| Premises and equipment expense | $530,000 | 3,529 |
| Additional noninterest expense | $738,000 | 4,953 |
| Pre-tax net operating income | $3,267,000 | 2,196 |
| Securities gains (losses) | $58,000 | 1,631 |
| Applicable income taxes | $1,086,000 | 2,157 |
| Income before extraordinary items | $2,239,000 | 2,303 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,239,000 | 2,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,482 |
| Cash dividends | $1,125,000 | 2,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,200,140 | 2,267 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,496,000 | 2,420 |
| Total interest expense | $7,926,000 | 1,945 |
| Net interest income | $5,570,000 | 3,145 |
| Provision for loan and lease losses | $270,000 | 2,814 |
| Total noninterest income | $572,000 | 4,559 |
| Gross Fiduciary activities income | $8,000 | 1,350 |
| Service charges on deposit accounts | $424,000 | 3,072 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $140,000 | 5,875 |
| Total noninterest expense | $2,948,000 | 4,152 |
| Salaries and employee benefits | $1,672,000 | 3,887 |
| Premises and equipment expense | $482,000 | 3,833 |
| Additional noninterest expense | $794,000 | 4,750 |
| Pre-tax net operating income | $2,924,000 | 2,545 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $916,000 | 2,622 |
| Income before extraordinary items | $2,003,000 | 2,586 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,003,000 | 2,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,353 |
| Cash dividends | $1,062,000 | 2,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,006,450 | 2,531 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,396,000 | 2,686 |
| Total interest expense | $7,146,000 | 2,178 |
| Net interest income | $5,250,000 | 3,378 |
| Provision for loan and lease losses | $393,000 | 2,126 |
| Total noninterest income | $495,000 | 5,197 |
| Gross Fiduciary activities income | $8,000 | 1,417 |
| Service charges on deposit accounts | $370,000 | 3,579 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $117,000 | 6,675 |
| Total noninterest expense | $2,802,000 | 4,556 |
| Salaries and employee benefits | $1,590,000 | 4,091 |
| Premises and equipment expense | $459,000 | 4,047 |
| Additional noninterest expense | $753,000 | 5,439 |
| Pre-tax net operating income | $2,550,000 | 2,734 |
| Securities gains (losses) | $12,000 | 2,365 |
| Applicable income taxes | $783,000 | 2,902 |
| Income before extraordinary items | $1,779,000 | 2,733 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,779,000 | 2,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,827 |
| Cash dividends | $632,000 | 2,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,770,720 | 2,698 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,326,000 | 2,941 |
| Total interest expense | $6,770,000 | 2,301 |
| Net interest income | $4,556,000 | 3,862 |
| Provision for loan and lease losses | $340,000 | 2,093 |
| Total noninterest income | $418,000 | 5,820 |
| Gross Fiduciary activities income | $11,000 | 1,466 |
| Service charges on deposit accounts | $307,000 | 4,212 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $100,000 | 7,238 |
| Total noninterest expense | $2,615,000 | 4,806 |
| Salaries and employee benefits | $1,418,000 | 4,512 |
| Premises and equipment expense | $391,000 | 4,635 |
| Additional noninterest expense | $806,000 | 5,227 |
| Pre-tax net operating income | $2,019,000 | 3,465 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $534,000 | 3,985 |
| Income before extraordinary items | $1,501,000 | 3,251 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,501,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,895 |
| Cash dividends | $240,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,489,160 | 3,244 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,675,000 | 3,133 |
| Total interest expense | $5,326,000 | 2,324 |
| Net interest income | $4,349,000 | 4,052 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $367,000 | 6,457 |
| Gross Fiduciary activities income | $7,000 | 1,498 |
| Service charges on deposit accounts | $264,000 | 4,831 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $96,000 | 7,636 |
| Total noninterest expense | $2,578,000 | 5,015 |
| Salaries and employee benefits | $1,313,000 | 4,830 |
| Premises and equipment expense | $330,000 | 5,310 |
| Additional noninterest expense | $935,000 | 4,995 |
| Pre-tax net operating income | $1,838,000 | 3,671 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $448,000 | 4,403 |
| Income before extraordinary items | $1,394,000 | 3,385 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,394,000 | 3,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,981 |
| Cash dividends | $280,000 | 4,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,390,960 | 3,416 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,351,000 | 3,312 |
| Total interest expense | $5,023,000 | 2,554 |
| Net interest income | $4,328,000 | 4,098 |
| Provision for loan and lease losses | $400,000 | 2,455 |
| Total noninterest income | $288,000 | 7,829 |
| Gross Fiduciary activities income | $5,000 | 1,560 |
| Service charges on deposit accounts | $203,000 | 5,916 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $80,000 | 8,622 |
| Total noninterest expense | $2,477,000 | 5,327 |
| Salaries and employee benefits | $1,284,000 | 4,939 |
| Premises and equipment expense | $293,000 | 5,976 |
| Additional noninterest expense | $900,000 | 5,366 |
| Pre-tax net operating income | $1,739,000 | 3,809 |
| Securities gains (losses) | $38,000 | 3,799 |
| Applicable income taxes | $441,000 | 4,658 |
| Income before extraordinary items | $1,336,000 | 3,614 |
| Extraordinary gains, net | $69,000 | 1,921 |
| Net income | $1,405,000 | 3,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 2,142 |
| Cash dividends | $220,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,307,500 | 3,496 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,804,000 | 3,560 |
| Total interest expense | $5,689,000 | 2,927 |
| Net interest income | $4,115,000 | 4,332 |
| Provision for loan and lease losses | $564,000 | 2,756 |
| Total noninterest income | $226,000 | 8,924 |
| Gross Fiduciary activities income | $9,000 | 1,549 |
| Service charges on deposit accounts | $149,000 | 7,134 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $68,000 | 9,388 |
| Total noninterest expense | $2,312,000 | 5,660 |
| Salaries and employee benefits | $1,160,000 | 5,337 |
| Premises and equipment expense | $295,000 | 6,046 |
| Additional noninterest expense | $857,000 | 5,749 |
| Pre-tax net operating income | $1,465,000 | 4,128 |
| Securities gains (losses) | $95,000 | 3,090 |
| Applicable income taxes | $378,000 | 5,008 |
| Income before extraordinary items | $1,182,000 | 3,862 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,182,000 | 3,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 2,983 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,109,800 | 3,793 |
* 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.