Home > The Union Savings Bank > Income and Expense
The Union Savings Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,444,000 | 5,651 |
| Total interest expense | $414,000 | 5,784 |
| Net interest income | $2,030,000 | 5,518 |
| Provision for loan and lease losses | $13,000 | 6,140 |
| Total noninterest income | $170,000 | 5,677 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $62,000 | 5,800 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $108,000 | 4,996 |
| Total noninterest expense | $2,468,000 | 4,639 |
| Salaries and employee benefits | $1,770,000 | 3,732 |
| Premises and equipment expense | $95,000 | 6,648 |
| Additional noninterest expense | $603,000 | 5,430 |
| Pre-tax net operating income | $-281,000 | 6,454 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-67,000 | 6,959 |
| Income before extraordinary items | $-214,000 | 6,514 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-214,000 | 6,515 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-214,000 | 6,515 |
| Net charge-offs | $29,000 | 5,343 |
| Cash dividends | $90,000 | 3,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-214,000 | 6,449 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,650,000 | 5,676 |
| Total interest expense | $293,000 | 5,780 |
| Net interest income | $1,357,000 | 5,539 |
| Provision for loan and lease losses | $30,000 | 5,425 |
| Total noninterest income | $117,000 | 5,669 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $43,000 | 5,733 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $74,000 | 5,003 |
| Total noninterest expense | $1,314,000 | 5,283 |
| Salaries and employee benefits | $872,000 | 4,579 |
| Premises and equipment expense | $62,000 | 6,722 |
| Additional noninterest expense | $380,000 | 5,648 |
| Pre-tax net operating income | $130,000 | 5,519 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $26,000 | 3,713 |
| Income before extraordinary items | $104,000 | 5,667 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $104,000 | 5,666 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $104,000 | 5,667 |
| Net charge-offs | $29,000 | 4,847 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $104,000 | 5,583 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $829,000 | 5,702 |
| Total interest expense | $156,000 | 5,770 |
| Net interest income | $673,000 | 5,578 |
| Provision for loan and lease losses | $18,000 | 5,065 |
| Total noninterest income | $59,000 | 5,740 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $22,000 | 5,670 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $37,000 | 5,099 |
| Total noninterest expense | $655,000 | 5,322 |
| Salaries and employee benefits | $449,000 | 4,510 |
| Premises and equipment expense | $31,000 | 6,774 |
| Additional noninterest expense | $175,000 | 5,839 |
| Pre-tax net operating income | $59,000 | 5,635 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $12,000 | 3,703 |
| Income before extraordinary items | $47,000 | 5,758 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $47,000 | 5,757 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $47,000 | 5,758 |
| Net charge-offs | $17,000 | 4,138 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $47,000 | 5,717 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,665,000 | 5,614 |
| Total interest expense | $885,000 | 5,494 |
| Net interest income | $2,780,000 | 5,545 |
| Provision for loan and lease losses | $5,000 | 6,989 |
| Total noninterest income | $238,000 | 5,738 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $91,000 | 5,599 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $147,000 | 5,004 |
| Total noninterest expense | $2,829,000 | 5,191 |
| Salaries and employee benefits | $1,894,000 | 4,390 |
| Premises and equipment expense | $182,000 | 6,355 |
| Additional noninterest expense | $753,000 | 5,745 |
| Pre-tax net operating income | $184,000 | 5,241 |
| Securities gains (losses) | $1,000 | 3,687 |
| Applicable income taxes | $19,000 | 4,021 |
| Income before extraordinary items | $166,000 | 5,394 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $166,000 | 5,393 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $166,000 | 5,395 |
| Net charge-offs | $-11,000 | 7,446 |
| Cash dividends | $75,000 | 3,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $165,100 | 5,264 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,793,000 | 5,680 |
| Total interest expense | $707,000 | 5,504 |
| Net interest income | $2,086,000 | 5,616 |
| Provision for loan and lease losses | $4,000 | 6,940 |
| Total noninterest income | $173,000 | 5,892 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $69,000 | 5,672 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $104,000 | 5,163 |
| Total noninterest expense | $2,067,000 | 5,279 |
| Salaries and employee benefits | $1,418,000 | 4,429 |
| Premises and equipment expense | $92,000 | 6,946 |
| Additional noninterest expense | $557,000 | 5,812 |
| Pre-tax net operating income | $188,000 | 5,303 |
| Securities gains (losses) | $1,000 | 3,533 |
| Applicable income taxes | $38,000 | 3,717 |
| Income before extraordinary items | $151,000 | 5,498 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $151,000 | 5,500 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $151,000 | 5,500 |
| Net charge-offs | $-8,000 | 7,443 |
| Cash dividends | $75,000 | 3,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $150,200 | 5,340 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,888,000 | 5,682 |
| Total interest expense | $510,000 | 5,435 |
| Net interest income | $1,378,000 | 5,663 |
| Provision for loan and lease losses | $1,000 | 6,844 |
| Total noninterest income | $111,000 | 5,929 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $48,000 | 5,647 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $63,000 | 5,311 |
| Total noninterest expense | $1,408,000 | 5,241 |
| Salaries and employee benefits | $972,000 | 4,366 |
| Premises and equipment expense | $58,000 | 7,055 |
| Additional noninterest expense | $378,000 | 5,779 |
| Pre-tax net operating income | $80,000 | 5,627 |
| Securities gains (losses) | $1,000 | 3,060 |
| Applicable income taxes | $16,000 | 3,895 |
| Income before extraordinary items | $65,000 | 5,780 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $65,000 | 5,782 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $65,000 | 5,781 |
| Net charge-offs | $-10,000 | 7,481 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $64,200 | 5,672 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $960,000 | 5,702 |
| Total interest expense | $293,000 | 5,246 |
| Net interest income | $667,000 | 5,756 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $52,000 | 6,072 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $22,000 | 5,793 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $30,000 | 5,438 |
| Total noninterest expense | $726,000 | 5,200 |
| Salaries and employee benefits | $502,000 | 4,348 |
| Premises and equipment expense | $42,000 | 6,671 |
| Additional noninterest expense | $182,000 | 5,907 |
| Pre-tax net operating income | $-7,000 | 6,309 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-7,000 | 6,430 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-7,000 | 6,432 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-7,000 | 6,431 |
| Net charge-offs | $-2,000 | 7,007 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-7,000 | 6,334 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,136,000 | 5,634 |
| Total interest expense | $1,516,000 | 5,146 |
| Net interest income | $2,620,000 | 5,717 |
| Provision for loan and lease losses | $-190,000 | 7,994 |
| Total noninterest income | $230,000 | 6,037 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $112,000 | 5,598 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $118,000 | 5,430 |
| Total noninterest expense | $2,899,000 | 5,282 |
| Salaries and employee benefits | $1,984,000 | 4,395 |
| Premises and equipment expense | $187,000 | 6,585 |
| Additional noninterest expense | $728,000 | 6,042 |
| Pre-tax net operating income | $141,000 | 4,966 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $96,000 | 2,900 |
| Income before extraordinary items | $45,000 | 5,364 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $45,000 | 5,363 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $45,000 | 5,363 |
| Net charge-offs | $41,000 | 6,324 |
| Cash dividends | $4,571,000 | 380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $45,000 | 5,307 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 5,669 |
| Total interest expense | $1,142,000 | 5,261 |
| Net interest income | $1,998,000 | 5,706 |
| Provision for loan and lease losses | $-198,000 | 8,080 |
| Total noninterest income | $133,000 | 6,508 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $83,000 | 5,651 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $50,000 | 6,216 |
| Total noninterest expense | $2,034,000 | 5,467 |
| Salaries and employee benefits | $1,452,000 | 4,480 |
| Premises and equipment expense | $84,000 | 7,334 |
| Additional noninterest expense | $498,000 | 6,255 |
| Pre-tax net operating income | $295,000 | 4,545 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $59,000 | 3,234 |
| Income before extraordinary items | $236,000 | 4,694 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $236,000 | 4,691 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $236,000 | 4,694 |
| Net charge-offs | $71,000 | 5,390 |
| Cash dividends | $101,000 | 3,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $236,000 | 4,630 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,123,000 | 5,676 |
| Total interest expense | $758,000 | 5,388 |
| Net interest income | $1,365,000 | 5,644 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $84,000 | 6,628 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $55,000 | 5,662 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $29,000 | 6,432 |
| Total noninterest expense | $1,334,000 | 5,565 |
| Salaries and employee benefits | $980,000 | 4,493 |
| Premises and equipment expense | $50,000 | 7,503 |
| Additional noninterest expense | $304,000 | 6,465 |
| Pre-tax net operating income | $115,000 | 5,125 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $23,000 | 3,629 |
| Income before extraordinary items | $92,000 | 5,274 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $92,000 | 5,272 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $92,000 | 5,272 |
| Net charge-offs | $-5,000 | 7,794 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $92,000 | 5,186 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,073,000 | 5,699 |
| Total interest expense | $376,000 | 5,518 |
| Net interest income | $697,000 | 5,601 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $44,000 | 6,539 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $27,000 | 5,653 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $17,000 | 6,333 |
| Total noninterest expense | $677,000 | 5,472 |
| Salaries and employee benefits | $498,000 | 4,475 |
| Premises and equipment expense | $26,000 | 7,517 |
| Additional noninterest expense | $153,000 | 6,259 |
| Pre-tax net operating income | $64,000 | 5,444 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $13,000 | 3,831 |
| Income before extraordinary items | $51,000 | 5,667 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $51,000 | 5,670 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $51,000 | 5,670 |
| Net charge-offs | $-3,000 | 7,537 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $51,000 | 5,498 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,813,000 | 5,567 |
| Total interest expense | $1,634,000 | 5,792 |
| Net interest income | $3,179,000 | 5,257 |
| Provision for loan and lease losses | $61,000 | 6,423 |
| Total noninterest income | $199,000 | 6,493 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $127,000 | 5,582 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $72,000 | 6,346 |
| Total noninterest expense | $3,038,000 | 5,078 |
| Salaries and employee benefits | $2,082,000 | 4,317 |
| Premises and equipment expense | $199,000 | 6,686 |
| Additional noninterest expense | $757,000 | 5,615 |
| Pre-tax net operating income | $279,000 | 5,504 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $60,000 | 3,750 |
| Income before extraordinary items | $219,000 | 5,409 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $219,000 | 5,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,646 |
| Cash dividends | $112,000 | 4,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $219,000 | 5,562 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,693,000 | 5,580 |
| Total interest expense | $1,246,000 | 5,874 |
| Net interest income | $2,447,000 | 5,213 |
| Provision for loan and lease losses | $131,000 | 4,811 |
| Total noninterest income | $144,000 | 6,656 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $94,000 | 5,629 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $50,000 | 6,582 |
| Total noninterest expense | $2,200,000 | 5,181 |
| Salaries and employee benefits | $1,528,000 | 4,409 |
| Premises and equipment expense | $138,000 | 6,860 |
| Additional noninterest expense | $534,000 | 5,730 |
| Pre-tax net operating income | $260,000 | 5,793 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $52,000 | 4,079 |
| Income before extraordinary items | $208,000 | 5,660 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $208,000 | 5,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,764 |
| Cash dividends | $113,000 | 4,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $208,000 | 5,829 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,520,000 | 5,569 |
| Total interest expense | $847,000 | 5,978 |
| Net interest income | $1,673,000 | 5,154 |
| Provision for loan and lease losses | $92,000 | 4,373 |
| Total noninterest income | $94,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $62,000 | 5,653 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $32,000 | 6,701 |
| Total noninterest expense | $1,501,000 | 5,123 |
| Salaries and employee benefits | $1,031,000 | 4,421 |
| Premises and equipment expense | $82,000 | 7,092 |
| Additional noninterest expense | $388,000 | 5,507 |
| Pre-tax net operating income | $174,000 | 5,986 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $35,000 | 4,323 |
| Income before extraordinary items | $139,000 | 6,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $139,000 | 6,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,332 |
| Cash dividends | $113,000 | 3,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $139,000 | 5,987 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,304,000 | 5,571 |
| Total interest expense | $430,000 | 6,110 |
| Net interest income | $874,000 | 5,029 |
| Provision for loan and lease losses | $89,000 | 2,945 |
| Total noninterest income | $51,000 | 6,636 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $32,000 | 5,589 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $19,000 | 6,522 |
| Total noninterest expense | $755,000 | 5,114 |
| Salaries and employee benefits | $519,000 | 4,419 |
| Premises and equipment expense | $44,000 | 7,000 |
| Additional noninterest expense | $192,000 | 5,487 |
| Pre-tax net operating income | $81,000 | 6,241 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $16,000 | 4,511 |
| Income before extraordinary items | $65,000 | 6,343 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $65,000 | 6,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $65,000 | 6,249 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,404,000 | 5,507 |
| Total interest expense | $1,631,000 | 6,253 |
| Net interest income | $3,773,000 | 4,795 |
| Provision for loan and lease losses | $2,000 | 6,808 |
| Total noninterest income | $214,000 | 6,654 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $140,000 | 5,532 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $74,000 | 6,637 |
| Total noninterest expense | $2,884,000 | 5,132 |
| Salaries and employee benefits | $2,057,000 | 4,303 |
| Premises and equipment expense | $190,000 | 6,837 |
| Additional noninterest expense | $637,000 | 5,982 |
| Pre-tax net operating income | $1,101,000 | 4,541 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $238,000 | 3,668 |
| Income before extraordinary items | $863,000 | 4,628 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $863,000 | 4,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,954 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $863,000 | 4,617 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,037,000 | 5,538 |
| Total interest expense | $1,203,000 | 6,324 |
| Net interest income | $2,834,000 | 4,813 |
| Provision for loan and lease losses | $1,000 | 6,502 |
| Total noninterest income | $156,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $107,000 | 5,522 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $49,000 | 6,818 |
| Total noninterest expense | $2,093,000 | 5,210 |
| Salaries and employee benefits | $1,508,000 | 4,358 |
| Premises and equipment expense | $113,000 | 7,242 |
| Additional noninterest expense | $472,000 | 5,965 |
| Pre-tax net operating income | $896,000 | 4,609 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $209,000 | 3,675 |
| Income before extraordinary items | $687,000 | 4,708 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $687,000 | 4,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,769 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $687,000 | 4,699 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,661,000 | 5,602 |
| Total interest expense | $781,000 | 6,403 |
| Net interest income | $1,880,000 | 4,856 |
| Provision for loan and lease losses | $1,000 | 6,174 |
| Total noninterest income | $104,000 | 6,789 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $73,000 | 5,514 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $31,000 | 6,942 |
| Total noninterest expense | $1,397,000 | 5,244 |
| Salaries and employee benefits | $1,016,000 | 4,369 |
| Premises and equipment expense | $57,000 | 7,634 |
| Additional noninterest expense | $324,000 | 5,904 |
| Pre-tax net operating income | $586,000 | 4,715 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $136,000 | 3,769 |
| Income before extraordinary items | $450,000 | 4,802 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $450,000 | 4,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,576 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $450,000 | 4,799 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,323,000 | 5,625 |
| Total interest expense | $383,000 | 6,453 |
| Net interest income | $940,000 | 4,866 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $52,000 | 6,764 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $34,000 | 5,592 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $18,000 | 6,767 |
| Total noninterest expense | $695,000 | 5,279 |
| Salaries and employee benefits | $523,000 | 4,288 |
| Premises and equipment expense | $26,000 | 7,758 |
| Additional noninterest expense | $146,000 | 6,188 |
| Pre-tax net operating income | $297,000 | 4,673 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $62,000 | 3,863 |
| Income before extraordinary items | $235,000 | 4,706 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $235,000 | 4,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $235,000 | 4,688 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,015,000 | 5,550 |
| Total interest expense | $1,413,000 | 6,244 |
| Net interest income | $3,602,000 | 4,960 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $256,000 | 6,494 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $172,000 | 5,279 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $84,000 | 6,607 |
| Total noninterest expense | $3,015,000 | 4,863 |
| Salaries and employee benefits | $2,030,000 | 4,217 |
| Premises and equipment expense | $307,000 | 5,689 |
| Additional noninterest expense | $678,000 | 5,731 |
| Pre-tax net operating income | $843,000 | 5,540 |
| Securities gains (losses) | $-27,000 | 7,677 |
| Applicable income taxes | $51,000 | 5,432 |
| Income before extraordinary items | $765,000 | 5,308 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $765,000 | 5,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,255 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $790,380 | 5,246 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,681,000 | 5,609 |
| Total interest expense | $1,031,000 | 6,260 |
| Net interest income | $2,650,000 | 5,064 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $194,000 | 6,512 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $130,000 | 5,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $64,000 | 6,583 |
| Total noninterest expense | $2,127,000 | 5,059 |
| Salaries and employee benefits | $1,473,000 | 4,298 |
| Premises and equipment expense | $143,000 | 6,849 |
| Additional noninterest expense | $511,000 | 5,706 |
| Pre-tax net operating income | $717,000 | 5,465 |
| Securities gains (losses) | $-27,000 | 7,950 |
| Applicable income taxes | $147,000 | 4,495 |
| Income before extraordinary items | $543,000 | 5,584 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $543,000 | 5,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,924 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $564,330 | 5,510 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,408,000 | 5,637 |
| Total interest expense | $673,000 | 6,221 |
| Net interest income | $1,735,000 | 5,146 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $171,000 | 5,971 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $86,000 | 5,323 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $85,000 | 5,470 |
| Total noninterest expense | $1,407,000 | 5,100 |
| Salaries and employee benefits | $993,000 | 4,285 |
| Premises and equipment expense | $64,000 | 7,536 |
| Additional noninterest expense | $350,000 | 5,606 |
| Pre-tax net operating income | $499,000 | 5,402 |
| Securities gains (losses) | $-27,000 | 8,184 |
| Applicable income taxes | $112,000 | 4,385 |
| Income before extraordinary items | $360,000 | 5,620 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $360,000 | 5,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,908 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $380,520 | 5,496 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,153,000 | 5,708 |
| Total interest expense | $327,000 | 6,193 |
| Net interest income | $826,000 | 5,306 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $64,000 | 6,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $44,000 | 5,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $672,000 | 5,259 |
| Salaries and employee benefits | $470,000 | 4,475 |
| Premises and equipment expense | $35,000 | 7,427 |
| Additional noninterest expense | $167,000 | 5,734 |
| Pre-tax net operating income | $218,000 | 5,654 |
| Securities gains (losses) | $-27,000 | 8,441 |
| Applicable income taxes | $45,000 | 4,614 |
| Income before extraordinary items | $146,000 | 6,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $146,000 | 6,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,654 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $166,520 | 5,731 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,443,000 | 5,525 |
| Total interest expense | $1,205,000 | 5,798 |
| Net interest income | $3,238,000 | 5,259 |
| Provision for loan and lease losses | $22,000 | 6,455 |
| Total noninterest income | $275,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $177,000 | 5,296 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $98,000 | 6,439 |
| Total noninterest expense | $2,819,000 | 4,989 |
| Salaries and employee benefits | $1,971,000 | 4,161 |
| Premises and equipment expense | $213,000 | 6,594 |
| Additional noninterest expense | $635,000 | 5,874 |
| Pre-tax net operating income | $672,000 | 6,223 |
| Securities gains (losses) | $-47,000 | 8,155 |
| Applicable income taxes | $196,000 | 4,692 |
| Income before extraordinary items | $429,000 | 6,655 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $429,000 | 6,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,359 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $461,430 | 6,509 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,285,000 | 5,536 |
| Total interest expense | $889,000 | 5,752 |
| Net interest income | $2,396,000 | 5,312 |
| Provision for loan and lease losses | $22,000 | 6,097 |
| Total noninterest income | $216,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $130,000 | 5,367 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $86,000 | 6,190 |
| Total noninterest expense | $2,040,000 | 5,068 |
| Salaries and employee benefits | $1,437,000 | 4,219 |
| Premises and equipment expense | $118,000 | 7,197 |
| Additional noninterest expense | $485,000 | 5,804 |
| Pre-tax net operating income | $550,000 | 6,203 |
| Securities gains (losses) | $-47,000 | 8,458 |
| Applicable income taxes | $113,000 | 5,118 |
| Income before extraordinary items | $390,000 | 6,427 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $390,000 | 6,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,948 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $426,660 | 6,194 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,157,000 | 5,518 |
| Total interest expense | $580,000 | 5,657 |
| Net interest income | $1,577,000 | 5,340 |
| Provision for loan and lease losses | $22,000 | 5,594 |
| Total noninterest income | $138,000 | 6,496 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $82,000 | 5,439 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $56,000 | 6,224 |
| Total noninterest expense | $1,308,000 | 5,198 |
| Salaries and employee benefits | $953,000 | 4,224 |
| Premises and equipment expense | $67,000 | 7,464 |
| Additional noninterest expense | $288,000 | 6,123 |
| Pre-tax net operating income | $385,000 | 6,075 |
| Securities gains (losses) | $-47,000 | 8,580 |
| Applicable income taxes | $73,000 | 5,173 |
| Income before extraordinary items | $265,000 | 6,387 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $265,000 | 6,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,591 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $301,660 | 6,063 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 5,558 |
| Total interest expense | $282,000 | 5,648 |
| Net interest income | $776,000 | 5,421 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $85,000 | 6,025 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $40,000 | 5,458 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,411 |
| Total noninterest expense | $655,000 | 5,225 |
| Salaries and employee benefits | $480,000 | 4,228 |
| Premises and equipment expense | $36,000 | 7,416 |
| Additional noninterest expense | $139,000 | 6,259 |
| Pre-tax net operating income | $185,000 | 6,128 |
| Securities gains (losses) | $-47,000 | 8,778 |
| Applicable income taxes | $27,000 | 5,406 |
| Income before extraordinary items | $111,000 | 6,711 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $111,000 | 6,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $148,600 | 6,090 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,292,000 | 5,338 |
| Total interest expense | $1,235,000 | 5,040 |
| Net interest income | $3,057,000 | 5,355 |
| Provision for loan and lease losses | $-114,000 | 8,803 |
| Total noninterest income | $273,000 | 6,591 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $174,000 | 5,509 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $99,000 | 6,449 |
| Total noninterest expense | $3,026,000 | 4,629 |
| Salaries and employee benefits | $2,040,000 | 3,934 |
| Premises and equipment expense | $213,000 | 6,599 |
| Additional noninterest expense | $773,000 | 5,209 |
| Pre-tax net operating income | $418,000 | 6,996 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $57,000 | 5,970 |
| Income before extraordinary items | $361,000 | 6,963 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $361,000 | 6,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,368 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $361,000 | 6,905 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,226,000 | 5,304 |
| Total interest expense | $941,000 | 4,959 |
| Net interest income | $2,285,000 | 5,349 |
| Provision for loan and lease losses | $41,000 | 5,688 |
| Total noninterest income | $193,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $124,000 | 5,650 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $69,000 | 6,565 |
| Total noninterest expense | $2,240,000 | 4,644 |
| Salaries and employee benefits | $1,497,000 | 3,954 |
| Premises and equipment expense | $139,000 | 6,902 |
| Additional noninterest expense | $604,000 | 5,024 |
| Pre-tax net operating income | $197,000 | 7,712 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $39,000 | 6,133 |
| Income before extraordinary items | $158,000 | 7,731 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $158,000 | 7,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,559 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $158,000 | 7,685 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,161,000 | 5,303 |
| Total interest expense | $638,000 | 4,921 |
| Net interest income | $1,523,000 | 5,357 |
| Provision for loan and lease losses | $29,000 | 5,552 |
| Total noninterest income | $114,000 | 6,996 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $69,000 | 5,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $45,000 | 6,633 |
| Total noninterest expense | $1,488,000 | 4,693 |
| Salaries and employee benefits | $1,001,000 | 3,972 |
| Premises and equipment expense | $114,000 | 6,459 |
| Additional noninterest expense | $373,000 | 5,299 |
| Pre-tax net operating income | $120,000 | 7,758 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $24,000 | 6,179 |
| Income before extraordinary items | $96,000 | 7,810 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $96,000 | 7,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,214 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $96,000 | 7,749 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,101,000 | 5,261 |
| Total interest expense | $326,000 | 4,921 |
| Net interest income | $775,000 | 5,313 |
| Provision for loan and lease losses | $22,000 | 4,718 |
| Total noninterest income | $58,000 | 6,943 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $34,000 | 5,974 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $734,000 | 4,757 |
| Salaries and employee benefits | $513,000 | 3,922 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $181,000 | 5,416 |
| Pre-tax net operating income | $77,000 | 7,512 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $15,000 | 6,000 |
| Income before extraordinary items | $62,000 | 7,534 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $62,000 | 7,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $62,000 | 7,464 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,733,000 | 5,084 |
| Total interest expense | $1,493,000 | 4,879 |
| Net interest income | $3,240,000 | 5,057 |
| Provision for loan and lease losses | $-57,000 | 8,997 |
| Total noninterest income | $302,000 | 6,582 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $147,000 | 5,895 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $155,000 | 5,766 |
| Total noninterest expense | $3,059,000 | 4,545 |
| Salaries and employee benefits | $1,994,000 | 3,936 |
| Premises and equipment expense | $287,000 | 5,793 |
| Additional noninterest expense | $778,000 | 5,142 |
| Pre-tax net operating income | $540,000 | 6,545 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $62,000 | 6,135 |
| Income before extraordinary items | $482,000 | 6,414 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $482,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,746 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $478,440 | 6,279 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 5,104 |
| Total interest expense | $1,140,000 | 4,960 |
| Net interest income | $2,451,000 | 5,038 |
| Provision for loan and lease losses | $11,000 | 7,078 |
| Total noninterest income | $223,000 | 6,660 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $111,000 | 5,932 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $112,000 | 5,863 |
| Total noninterest expense | $2,268,000 | 4,569 |
| Salaries and employee benefits | $1,446,000 | 4,038 |
| Premises and equipment expense | $206,000 | 5,924 |
| Additional noninterest expense | $616,000 | 4,915 |
| Pre-tax net operating income | $395,000 | 6,729 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $79,000 | 5,815 |
| Income before extraordinary items | $318,000 | 6,845 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $318,000 | 6,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,434 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $316,400 | 6,683 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,421,000 | 5,092 |
| Total interest expense | $769,000 | 5,048 |
| Net interest income | $1,652,000 | 4,989 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $121,000 | 7,043 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $73,000 | 5,939 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $48,000 | 6,645 |
| Total noninterest expense | $1,428,000 | 4,738 |
| Salaries and employee benefits | $943,000 | 4,103 |
| Premises and equipment expense | $128,000 | 6,096 |
| Additional noninterest expense | $357,000 | 5,403 |
| Pre-tax net operating income | $335,000 | 6,275 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $67,000 | 5,612 |
| Income before extraordinary items | $270,000 | 6,345 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $270,000 | 6,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $268,400 | 6,152 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 5,058 |
| Total interest expense | $388,000 | 5,130 |
| Net interest income | $848,000 | 4,879 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $57,000 | 7,118 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $683,000 | 4,881 |
| Salaries and employee benefits | $469,000 | 4,095 |
| Premises and equipment expense | $51,000 | 6,736 |
| Additional noninterest expense | $163,000 | 5,663 |
| Pre-tax net operating income | $220,000 | 5,612 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $44,000 | 5,276 |
| Income before extraordinary items | $177,000 | 5,641 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $177,000 | 5,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $176,200 | 5,455 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,432,000 | 4,890 |
| Total interest expense | $2,067,000 | 4,681 |
| Net interest income | $3,365,000 | 4,891 |
| Provision for loan and lease losses | $220,000 | 4,159 |
| Total noninterest income | $197,000 | 7,341 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $108,000 | 6,444 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $89,000 | 6,670 |
| Total noninterest expense | $2,954,000 | 4,514 |
| Salaries and employee benefits | $1,917,000 | 3,875 |
| Premises and equipment expense | $267,000 | 5,926 |
| Additional noninterest expense | $770,000 | 5,066 |
| Pre-tax net operating income | $388,000 | 7,211 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $88,000 | 6,081 |
| Income before extraordinary items | $301,000 | 7,316 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $301,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,049 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $300,230 | 7,216 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,358,000 | 4,755 |
| Total interest expense | $3,184,000 | 4,512 |
| Net interest income | $3,174,000 | 4,868 |
| Provision for loan and lease losses | $481,000 | 2,270 |
| Total noninterest income | $289,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $126,000 | 6,151 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $163,000 | 5,360 |
| Total noninterest expense | $2,841,000 | 4,525 |
| Salaries and employee benefits | $1,848,000 | 3,834 |
| Premises and equipment expense | $203,000 | 6,749 |
| Additional noninterest expense | $790,000 | 4,822 |
| Pre-tax net operating income | $141,000 | 8,132 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-117,000 | 9,290 |
| Income before extraordinary items | $258,000 | 7,388 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $258,000 | 7,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $611,000 | 1,348 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $258,000 | 7,272 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,509,000 | 4,830 |
| Total interest expense | $3,106,000 | 4,789 |
| Net interest income | $3,403,000 | 4,711 |
| Provision for loan and lease losses | $520,000 | 1,812 |
| Total noninterest income | $189,000 | 7,387 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,322 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,039 |
| Total noninterest expense | $2,652,000 | 4,653 |
| Salaries and employee benefits | $1,833,000 | 3,717 |
| Premises and equipment expense | $213,000 | 6,566 |
| Additional noninterest expense | $606,000 | 5,755 |
| Pre-tax net operating income | $420,000 | 7,367 |
| Securities gains (losses) | $-7,000 | 8,117 |
| Applicable income taxes | $6,000 | 8,174 |
| Income before extraordinary items | $407,000 | 6,810 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $407,000 | 6,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,618 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $413,930 | 6,780 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,489,000 | 4,682 |
| Total interest expense | $3,129,000 | 4,445 |
| Net interest income | $3,360,000 | 4,774 |
| Provision for loan and lease losses | $169,000 | 3,994 |
| Total noninterest income | $174,000 | 7,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,468 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 7,716 |
| Total noninterest expense | $2,620,000 | 4,702 |
| Salaries and employee benefits | $1,766,000 | 3,800 |
| Premises and equipment expense | $247,000 | 6,077 |
| Additional noninterest expense | $607,000 | 5,778 |
| Pre-tax net operating income | $745,000 | 6,150 |
| Securities gains (losses) | $-13,000 | 9,410 |
| Applicable income taxes | $88,000 | 7,104 |
| Income before extraordinary items | $644,000 | 5,699 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $644,000 | 5,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,656 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $655,440 | 5,623 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,587,000 | 4,624 |
| Total interest expense | $3,400,000 | 4,251 |
| Net interest income | $3,187,000 | 4,924 |
| Provision for loan and lease losses | $84,000 | 5,485 |
| Total noninterest income | $185,000 | 7,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 6,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,910 |
| Total noninterest expense | $2,515,000 | 4,755 |
| Salaries and employee benefits | $1,604,000 | 4,032 |
| Premises and equipment expense | $244,000 | 6,050 |
| Additional noninterest expense | $667,000 | 5,349 |
| Pre-tax net operating income | $773,000 | 6,200 |
| Securities gains (losses) | $-4,000 | 10,023 |
| Applicable income taxes | $-29,000 | 10,085 |
| Income before extraordinary items | $798,000 | 5,197 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $798,000 | 5,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,967 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $802,000 | 5,096 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,499,000 | 4,779 |
| Total interest expense | $3,404,000 | 4,235 |
| Net interest income | $3,095,000 | 5,179 |
| Provision for loan and lease losses | $21,000 | 7,856 |
| Total noninterest income | $205,000 | 7,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 6,560 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,536 |
| Total noninterest expense | $2,330,000 | 5,049 |
| Salaries and employee benefits | $1,485,000 | 4,291 |
| Premises and equipment expense | $195,000 | 6,937 |
| Additional noninterest expense | $650,000 | 5,503 |
| Pre-tax net operating income | $949,000 | 5,990 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $122,000 | 8,050 |
| Income before extraordinary items | $827,000 | 5,347 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $827,000 | 5,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,506 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $827,000 | 5,294 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,452,000 | 4,897 |
| Total interest expense | $3,378,000 | 4,324 |
| Net interest income | $3,074,000 | 5,339 |
| Provision for loan and lease losses | $188,000 | 3,558 |
| Total noninterest income | $189,000 | 8,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,933 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 8,398 |
| Total noninterest expense | $2,322,000 | 5,300 |
| Salaries and employee benefits | $1,419,000 | 4,543 |
| Premises and equipment expense | $163,000 | 7,772 |
| Additional noninterest expense | $740,000 | 5,512 |
| Pre-tax net operating income | $753,000 | 6,685 |
| Securities gains (losses) | $-8,000 | 10,177 |
| Applicable income taxes | $123,000 | 8,345 |
| Income before extraordinary items | $622,000 | 6,142 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $622,000 | 6,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,776 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $628,640 | 6,047 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,228,000 | 5,040 |
| Total interest expense | $3,054,000 | 4,683 |
| Net interest income | $3,174,000 | 5,249 |
| Provision for loan and lease losses | $166,000 | 3,434 |
| Total noninterest income | $206,000 | 8,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,167 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,981 |
| Total noninterest expense | $2,214,000 | 5,528 |
| Salaries and employee benefits | $1,313,000 | 4,819 |
| Premises and equipment expense | $160,000 | 8,033 |
| Additional noninterest expense | $741,000 | 5,586 |
| Pre-tax net operating income | $1,000,000 | 6,005 |
| Securities gains (losses) | $-38,000 | 11,009 |
| Applicable income taxes | $141,000 | 8,433 |
| Income before extraordinary items | $821,000 | 5,348 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $821,000 | 5,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,622 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $853,300 | 5,192 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,627,000 | 5,141 |
| Total interest expense | $2,263,000 | 5,053 |
| Net interest income | $3,364,000 | 5,111 |
| Provision for loan and lease losses | $163,000 | 3,436 |
| Total noninterest income | $192,000 | 8,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 7,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,738 |
| Total noninterest expense | $2,173,000 | 5,816 |
| Salaries and employee benefits | $1,261,000 | 5,022 |
| Premises and equipment expense | $134,000 | 8,981 |
| Additional noninterest expense | $778,000 | 5,835 |
| Pre-tax net operating income | $1,220,000 | 5,180 |
| Securities gains (losses) | $-121,000 | 11,668 |
| Applicable income taxes | $97,000 | 9,435 |
| Income before extraordinary items | $1,002,000 | 4,541 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,002,000 | 4,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,278 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,112,110 | 4,171 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,694,000 | 5,184 |
| Total interest expense | $2,209,000 | 5,358 |
| Net interest income | $3,485,000 | 4,976 |
| Provision for loan and lease losses | $119,000 | 5,369 |
| Total noninterest income | $219,000 | 8,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 7,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,582 |
| Total noninterest expense | $2,124,000 | 6,044 |
| Salaries and employee benefits | $1,203,000 | 5,224 |
| Premises and equipment expense | $183,000 | 8,063 |
| Additional noninterest expense | $738,000 | 6,308 |
| Pre-tax net operating income | $1,461,000 | 4,428 |
| Securities gains (losses) | $13,000 | 5,183 |
| Applicable income taxes | $328,000 | 5,755 |
| Income before extraordinary items | $1,146,000 | 4,185 |
| Extraordinary gains, net | $140,000 | 1,297 |
| Net income | $1,286,000 | 3,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,771 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,135,860 | 4,000 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,744,000 | 5,702 |
| Total interest expense | $2,764,000 | 5,521 |
| Net interest income | $2,980,000 | 5,751 |
| Provision for loan and lease losses | $370,000 | 3,627 |
| Total noninterest income | $210,000 | 9,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 7,502 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 9,109 |
| Total noninterest expense | $1,942,000 | 6,527 |
| Salaries and employee benefits | $1,133,000 | 5,450 |
| Premises and equipment expense | $174,000 | 8,469 |
| Additional noninterest expense | $635,000 | 7,217 |
| Pre-tax net operating income | $878,000 | 6,212 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $135,000 | 9,001 |
| Income before extraordinary items | $744,000 | 5,660 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $744,000 | 5,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 5,843 |
| Cash dividends | $360,000 | 3,572 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $743,150 | 5,328 |
* 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.