Home > Union Colony Bank > Income and Expense
Union Colony Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $25,787,000 | 1,677 |
| Total interest expense | $10,193,000 | 1,922 |
| Net interest income | $15,594,000 | 1,431 |
| Provision for loan and lease losses | $2,555,000 | 689 |
| Total noninterest income | $5,565,000 | 1,011 |
| Gross Fiduciary activities income | $1,255,000 | 371 |
| Service charges on deposit accounts | $2,569,000 | 680 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,741,000 | 1,503 |
| Total noninterest expense | $15,721,000 | 1,191 |
| Salaries and employee benefits | $7,460,000 | 1,350 |
| Premises and equipment expense | $1,908,000 | 1,398 |
| Additional noninterest expense | $6,353,000 | 889 |
| Pre-tax net operating income | $2,883,000 | 2,548 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,039,000 | 1,814 |
| Income before extraordinary items | $1,844,000 | 3,006 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,844,000 | 3,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,744,000 | 677 |
| Cash dividends | $2,500,000 | 1,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,844,000 | 2,999 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,411,000 | 1,668 |
| Total interest expense | $7,698,000 | 1,919 |
| Net interest income | $11,713,000 | 1,443 |
| Provision for loan and lease losses | $1,420,000 | 675 |
| Total noninterest income | $4,256,000 | 997 |
| Gross Fiduciary activities income | $947,000 | 360 |
| Service charges on deposit accounts | $2,001,000 | 647 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,308,000 | 1,510 |
| Total noninterest expense | $12,253,000 | 1,142 |
| Salaries and employee benefits | $5,928,000 | 1,263 |
| Premises and equipment expense | $1,544,000 | 1,284 |
| Additional noninterest expense | $4,781,000 | 858 |
| Pre-tax net operating income | $2,296,000 | 2,578 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $842,000 | 1,836 |
| Income before extraordinary items | $1,454,000 | 3,034 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,454,000 | 3,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,420,000 | 515 |
| Cash dividends | $1,250,000 | 1,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,454,000 | 3,018 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,929,000 | 1,681 |
| Total interest expense | $5,090,000 | 1,934 |
| Net interest income | $7,839,000 | 1,461 |
| Provision for loan and lease losses | $1,095,000 | 547 |
| Total noninterest income | $2,746,000 | 1,037 |
| Gross Fiduciary activities income | $555,000 | 395 |
| Service charges on deposit accounts | $1,335,000 | 651 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $856,000 | 1,552 |
| Total noninterest expense | $8,173,000 | 1,155 |
| Salaries and employee benefits | $3,842,000 | 1,330 |
| Premises and equipment expense | $1,056,000 | 1,264 |
| Additional noninterest expense | $3,275,000 | 859 |
| Pre-tax net operating income | $1,317,000 | 2,925 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $480,000 | 2,124 |
| Income before extraordinary items | $837,000 | 3,421 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $837,000 | 3,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,142,000 | 410 |
| Cash dividends | $1,250,000 | 1,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $837,000 | 3,398 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,561,000 | 1,653 |
| Total interest expense | $2,521,000 | 1,934 |
| Net interest income | $4,040,000 | 1,412 |
| Provision for loan and lease losses | $411,000 | 612 |
| Total noninterest income | $1,341,000 | 1,042 |
| Gross Fiduciary activities income | $255,000 | 420 |
| Service charges on deposit accounts | $690,000 | 604 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $396,000 | 1,594 |
| Total noninterest expense | $4,173,000 | 1,126 |
| Salaries and employee benefits | $2,006,000 | 1,284 |
| Premises and equipment expense | $544,000 | 1,235 |
| Additional noninterest expense | $1,623,000 | 846 |
| Pre-tax net operating income | $797,000 | 2,563 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $293,000 | 1,879 |
| Income before extraordinary items | $504,000 | 3,009 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $504,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $564,000 | 386 |
| Cash dividends | $1,250,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $504,000 | 2,992 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,693,000 | 1,562 |
| Total interest expense | $10,045,000 | 1,675 |
| Net interest income | $15,648,000 | 1,455 |
| Provision for loan and lease losses | $1,126,000 | 934 |
| Total noninterest income | $5,361,000 | 1,032 |
| Gross Fiduciary activities income | $997,000 | 405 |
| Service charges on deposit accounts | $2,724,000 | 638 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,640,000 | 1,557 |
| Total noninterest expense | $16,483,000 | 1,096 |
| Salaries and employee benefits | $7,832,000 | 1,242 |
| Premises and equipment expense | $2,148,000 | 1,193 |
| Additional noninterest expense | $6,503,000 | 823 |
| Pre-tax net operating income | $3,400,000 | 2,536 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,219,000 | 1,941 |
| Income before extraordinary items | $2,181,000 | 2,913 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,181,000 | 2,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $786,000 | 843 |
| Cash dividends | $1,250,000 | 2,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,181,000 | 2,901 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,189,000 | 1,547 |
| Total interest expense | $7,439,000 | 1,644 |
| Net interest income | $11,750,000 | 1,474 |
| Provision for loan and lease losses | $555,000 | 1,285 |
| Total noninterest income | $4,081,000 | 1,035 |
| Gross Fiduciary activities income | $737,000 | 402 |
| Service charges on deposit accounts | $2,067,000 | 628 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,277,000 | 1,523 |
| Total noninterest expense | $12,629,000 | 1,074 |
| Salaries and employee benefits | $6,039,000 | 1,219 |
| Premises and equipment expense | $1,609,000 | 1,206 |
| Additional noninterest expense | $4,981,000 | 815 |
| Pre-tax net operating income | $2,647,000 | 2,549 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $951,000 | 1,947 |
| Income before extraordinary items | $1,696,000 | 2,925 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,696,000 | 2,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $613,000 | 687 |
| Cash dividends | $1,250,000 | 1,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,696,000 | 2,917 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,662,000 | 1,532 |
| Total interest expense | $4,868,000 | 1,604 |
| Net interest income | $7,794,000 | 1,481 |
| Provision for loan and lease losses | $361,000 | 1,266 |
| Total noninterest income | $2,660,000 | 1,050 |
| Gross Fiduciary activities income | $487,000 | 414 |
| Service charges on deposit accounts | $1,358,000 | 627 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $815,000 | 1,569 |
| Total noninterest expense | $8,387,000 | 1,078 |
| Salaries and employee benefits | $4,015,000 | 1,236 |
| Premises and equipment expense | $1,084,000 | 1,188 |
| Additional noninterest expense | $3,288,000 | 828 |
| Pre-tax net operating income | $1,706,000 | 2,612 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $606,000 | 2,043 |
| Income before extraordinary items | $1,100,000 | 2,987 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,100,000 | 2,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $497,000 | 567 |
| Cash dividends | $1,250,000 | 1,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,100,000 | 2,972 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,313,000 | 1,501 |
| Total interest expense | $2,472,000 | 1,487 |
| Net interest income | $3,841,000 | 1,496 |
| Provision for loan and lease losses | $206,000 | 1,114 |
| Total noninterest income | $1,295,000 | 1,051 |
| Gross Fiduciary activities income | $251,000 | 407 |
| Service charges on deposit accounts | $679,000 | 608 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $365,000 | 1,674 |
| Total noninterest expense | $4,207,000 | 1,077 |
| Salaries and employee benefits | $2,021,000 | 1,228 |
| Premises and equipment expense | $554,000 | 1,164 |
| Additional noninterest expense | $1,632,000 | 820 |
| Pre-tax net operating income | $723,000 | 2,911 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $245,000 | 2,299 |
| Income before extraordinary items | $478,000 | 3,284 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $478,000 | 3,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 515 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $478,000 | 3,257 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,457,000 | 1,308 |
| Total interest expense | $7,269,000 | 1,562 |
| Net interest income | $18,188,000 | 1,183 |
| Provision for loan and lease losses | $945,000 | 1,104 |
| Total noninterest income | $5,423,000 | 1,022 |
| Gross Fiduciary activities income | $795,000 | 452 |
| Service charges on deposit accounts | $2,566,000 | 681 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,062,000 | 1,332 |
| Total noninterest expense | $15,913,000 | 1,075 |
| Salaries and employee benefits | $7,733,000 | 1,188 |
| Premises and equipment expense | $2,124,000 | 1,149 |
| Additional noninterest expense | $6,056,000 | 849 |
| Pre-tax net operating income | $6,753,000 | 1,420 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,453,000 | 1,148 |
| Income before extraordinary items | $4,300,000 | 1,636 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,300,000 | 1,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,987,000 | 291 |
| Cash dividends | $6,000,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,300,000 | 1,609 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,361,000 | 1,256 |
| Total interest expense | $5,133,000 | 1,569 |
| Net interest income | $14,228,000 | 1,127 |
| Provision for loan and lease losses | $766,000 | 975 |
| Total noninterest income | $4,119,000 | 1,023 |
| Gross Fiduciary activities income | $590,000 | 445 |
| Service charges on deposit accounts | $1,900,000 | 688 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,629,000 | 1,275 |
| Total noninterest expense | $11,884,000 | 1,058 |
| Salaries and employee benefits | $5,880,000 | 1,169 |
| Premises and equipment expense | $1,585,000 | 1,146 |
| Additional noninterest expense | $4,419,000 | 865 |
| Pre-tax net operating income | $5,697,000 | 1,251 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,082,000 | 1,028 |
| Income before extraordinary items | $3,615,000 | 1,475 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,615,000 | 1,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,804,000 | 248 |
| Cash dividends | $5,000,000 | 473 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,615,000 | 1,447 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,162,000 | 1,189 |
| Total interest expense | $3,231,000 | 1,557 |
| Net interest income | $9,931,000 | 1,058 |
| Provision for loan and lease losses | $1,699,000 | 304 |
| Total noninterest income | $2,470,000 | 1,083 |
| Gross Fiduciary activities income | $389,000 | 448 |
| Service charges on deposit accounts | $1,213,000 | 693 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $868,000 | 1,488 |
| Total noninterest expense | $7,873,000 | 1,061 |
| Salaries and employee benefits | $3,863,000 | 1,182 |
| Premises and equipment expense | $1,059,000 | 1,131 |
| Additional noninterest expense | $2,951,000 | 856 |
| Pre-tax net operating income | $2,829,000 | 1,649 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,008,000 | 1,367 |
| Income before extraordinary items | $1,821,000 | 1,877 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,821,000 | 1,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,342,000 | 205 |
| Cash dividends | $1,000,000 | 1,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,821,000 | 1,839 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,382,000 | 1,196 |
| Total interest expense | $1,504,000 | 1,586 |
| Net interest income | $4,878,000 | 1,068 |
| Provision for loan and lease losses | $841,000 | 298 |
| Total noninterest income | $1,290,000 | 1,018 |
| Gross Fiduciary activities income | $194,000 | 457 |
| Service charges on deposit accounts | $643,000 | 622 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $453,000 | 1,421 |
| Total noninterest expense | $3,830,000 | 1,086 |
| Salaries and employee benefits | $1,851,000 | 1,241 |
| Premises and equipment expense | $544,000 | 1,104 |
| Additional noninterest expense | $1,435,000 | 874 |
| Pre-tax net operating income | $1,497,000 | 1,522 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $533,000 | 1,276 |
| Income before extraordinary items | $964,000 | 1,743 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $964,000 | 1,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,199,000 | 208 |
| Cash dividends | $1,000,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $964,000 | 1,712 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,733,000 | 1,144 |
| Total interest expense | $5,692,000 | 1,444 |
| Net interest income | $19,041,000 | 1,046 |
| Provision for loan and lease losses | $2,284,000 | 480 |
| Total noninterest income | $2,528,000 | 1,851 |
| Gross Fiduciary activities income | $646,000 | 483 |
| Service charges on deposit accounts | $2,450,000 | 716 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-568,000 | 8,979 |
| Total noninterest expense | $15,155,000 | 1,069 |
| Salaries and employee benefits | $7,143,000 | 1,228 |
| Premises and equipment expense | $1,943,000 | 1,181 |
| Additional noninterest expense | $6,069,000 | 827 |
| Pre-tax net operating income | $4,130,000 | 2,006 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,433,000 | 1,660 |
| Income before extraordinary items | $2,697,000 | 2,269 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,697,000 | 2,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,745,000 | 370 |
| Cash dividends | $1,750,000 | 1,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,697,000 | 2,217 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,487,000 | 1,132 |
| Total interest expense | $4,303,000 | 1,406 |
| Net interest income | $14,184,000 | 1,041 |
| Provision for loan and lease losses | $3,368,000 | 289 |
| Total noninterest income | $3,457,000 | 1,166 |
| Gross Fiduciary activities income | $467,000 | 494 |
| Service charges on deposit accounts | $1,876,000 | 703 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,114,000 | 1,640 |
| Total noninterest expense | $11,100,000 | 1,086 |
| Salaries and employee benefits | $5,102,000 | 1,293 |
| Premises and equipment expense | $1,402,000 | 1,231 |
| Additional noninterest expense | $4,596,000 | 818 |
| Pre-tax net operating income | $3,173,000 | 1,980 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,106,000 | 1,643 |
| Income before extraordinary items | $2,067,000 | 2,259 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,067,000 | 2,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,201,000 | 247 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,067,000 | 2,199 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,045,000 | 1,142 |
| Total interest expense | $2,888,000 | 1,376 |
| Net interest income | $9,157,000 | 1,067 |
| Provision for loan and lease losses | $2,515,000 | 267 |
| Total noninterest income | $2,269,000 | 1,166 |
| Gross Fiduciary activities income | $299,000 | 514 |
| Service charges on deposit accounts | $1,230,000 | 707 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $740,000 | 1,644 |
| Total noninterest expense | $7,421,000 | 1,084 |
| Salaries and employee benefits | $3,396,000 | 1,288 |
| Premises and equipment expense | $853,000 | 1,350 |
| Additional noninterest expense | $3,172,000 | 782 |
| Pre-tax net operating income | $1,490,000 | 2,603 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $507,000 | 2,180 |
| Income before extraordinary items | $983,000 | 2,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $983,000 | 2,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,111,000 | 252 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $983,000 | 2,892 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,823,000 | 1,192 |
| Total interest expense | $1,421,000 | 1,408 |
| Net interest income | $4,402,000 | 1,114 |
| Provision for loan and lease losses | $1,149,000 | 293 |
| Total noninterest income | $1,074,000 | 1,192 |
| Gross Fiduciary activities income | $130,000 | 564 |
| Service charges on deposit accounts | $589,000 | 722 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $355,000 | 1,669 |
| Total noninterest expense | $3,362,000 | 1,207 |
| Salaries and employee benefits | $1,489,000 | 1,492 |
| Premises and equipment expense | $452,000 | 1,290 |
| Additional noninterest expense | $1,421,000 | 873 |
| Pre-tax net operating income | $965,000 | 2,073 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $342,000 | 1,755 |
| Income before extraordinary items | $623,000 | 2,406 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $623,000 | 2,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,016,000 | 275 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $623,000 | 2,321 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,608,000 | 1,206 |
| Total interest expense | $6,457,000 | 1,375 |
| Net interest income | $17,151,000 | 1,130 |
| Provision for loan and lease losses | $4,398,000 | 358 |
| Total noninterest income | $4,167,000 | 1,306 |
| Gross Fiduciary activities income | $455,000 | 598 |
| Service charges on deposit accounts | $2,101,000 | 820 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,611,000 | 1,733 |
| Total noninterest expense | $13,497,000 | 1,201 |
| Salaries and employee benefits | $5,815,000 | 1,479 |
| Premises and equipment expense | $1,793,000 | 1,268 |
| Additional noninterest expense | $5,889,000 | 863 |
| Pre-tax net operating income | $3,423,000 | 2,252 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,152,000 | 1,987 |
| Income before extraordinary items | $2,271,000 | 2,588 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,271,000 | 2,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,263,000 | 377 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,271,000 | 2,467 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,858,000 | 1,228 |
| Total interest expense | $4,967,000 | 1,406 |
| Net interest income | $12,891,000 | 1,140 |
| Provision for loan and lease losses | $3,930,000 | 330 |
| Total noninterest income | $3,522,000 | 1,208 |
| Gross Fiduciary activities income | $321,000 | 616 |
| Service charges on deposit accounts | $1,568,000 | 828 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,633,000 | 1,444 |
| Total noninterest expense | $9,910,000 | 1,230 |
| Salaries and employee benefits | $4,235,000 | 1,527 |
| Premises and equipment expense | $1,349,000 | 1,261 |
| Additional noninterest expense | $4,326,000 | 892 |
| Pre-tax net operating income | $2,573,000 | 2,321 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $883,000 | 2,054 |
| Income before extraordinary items | $1,690,000 | 2,698 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,690,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,795,000 | 345 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,690,000 | 2,554 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,980,000 | 1,230 |
| Total interest expense | $3,355,000 | 1,439 |
| Net interest income | $8,625,000 | 1,134 |
| Provision for loan and lease losses | $2,724,000 | 314 |
| Total noninterest income | $1,720,000 | 1,542 |
| Gross Fiduciary activities income | $209,000 | 628 |
| Service charges on deposit accounts | $1,012,000 | 835 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $499,000 | 2,439 |
| Total noninterest expense | $5,945,000 | 1,360 |
| Salaries and employee benefits | $2,809,000 | 1,534 |
| Premises and equipment expense | $886,000 | 1,297 |
| Additional noninterest expense | $2,250,000 | 1,123 |
| Pre-tax net operating income | $1,676,000 | 2,371 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $564,000 | 2,143 |
| Income before extraordinary items | $1,112,000 | 2,740 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,112,000 | 2,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,858,000 | 351 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,112,000 | 2,587 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,994,000 | 1,235 |
| Total interest expense | $1,719,000 | 1,445 |
| Net interest income | $4,275,000 | 1,149 |
| Provision for loan and lease losses | $1,302,000 | 317 |
| Total noninterest income | $776,000 | 1,624 |
| Gross Fiduciary activities income | $99,000 | 653 |
| Service charges on deposit accounts | $515,000 | 802 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $162,000 | 3,072 |
| Total noninterest expense | $2,715,000 | 1,462 |
| Salaries and employee benefits | $1,252,000 | 1,708 |
| Premises and equipment expense | $419,000 | 1,380 |
| Additional noninterest expense | $1,044,000 | 1,170 |
| Pre-tax net operating income | $1,034,000 | 1,977 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $363,000 | 1,763 |
| Income before extraordinary items | $671,000 | 2,284 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $671,000 | 2,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $857,000 | 349 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $671,000 | 2,161 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $25,206,000 | 1,216 |
| Total interest expense | $8,008,000 | 1,404 |
| Net interest income | $17,198,000 | 1,122 |
| Provision for loan and lease losses | $4,300,000 | 425 |
| Total noninterest income | $2,267,000 | 1,920 |
| Gross Fiduciary activities income | $469,000 | 593 |
| Service charges on deposit accounts | $1,966,000 | 811 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-168,000 | 9,337 |
| Total noninterest expense | $11,817,000 | 1,303 |
| Salaries and employee benefits | $5,810,000 | 1,400 |
| Premises and equipment expense | $1,474,000 | 1,503 |
| Additional noninterest expense | $4,533,000 | 1,093 |
| Pre-tax net operating income | $3,348,000 | 2,289 |
| Securities gains (losses) | $3,000 | 4,139 |
| Applicable income taxes | $1,104,000 | 2,060 |
| Income before extraordinary items | $2,247,000 | 2,557 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,247,000 | 2,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,253,000 | 423 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,244,990 | 2,477 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,017,000 | 1,176 |
| Total interest expense | $12,923,000 | 1,255 |
| Net interest income | $16,094,000 | 1,105 |
| Provision for loan and lease losses | $3,761,000 | 441 |
| Total noninterest income | $2,954,000 | 1,494 |
| Gross Fiduciary activities income | $583,000 | 543 |
| Service charges on deposit accounts | $1,694,000 | 867 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $677,000 | 2,622 |
| Total noninterest expense | $12,244,000 | 1,201 |
| Salaries and employee benefits | $5,165,000 | 1,471 |
| Premises and equipment expense | $1,573,000 | 1,360 |
| Additional noninterest expense | $5,506,000 | 887 |
| Pre-tax net operating income | $3,043,000 | 2,232 |
| Securities gains (losses) | $57,000 | 2,222 |
| Applicable income taxes | $1,302,000 | 1,699 |
| Income before extraordinary items | $1,798,000 | 2,787 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,798,000 | 2,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,740,000 | 384 |
| Cash dividends | $3,251,000 | 858 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,761,520 | 2,765 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $28,884,000 | 1,224 |
| Total interest expense | $12,846,000 | 1,352 |
| Net interest income | $16,038,000 | 1,106 |
| Provision for loan and lease losses | $2,847,000 | 480 |
| Total noninterest income | $2,649,000 | 1,507 |
| Gross Fiduciary activities income | $757,000 | 481 |
| Service charges on deposit accounts | $1,462,000 | 918 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $430,000 | 3,201 |
| Total noninterest expense | $11,630,000 | 1,199 |
| Salaries and employee benefits | $4,676,000 | 1,518 |
| Premises and equipment expense | $1,489,000 | 1,390 |
| Additional noninterest expense | $5,465,000 | 892 |
| Pre-tax net operating income | $4,210,000 | 1,742 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,536,000 | 1,479 |
| Income before extraordinary items | $2,674,000 | 1,950 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,674,000 | 1,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,308,000 | 354 |
| Cash dividends | $2,500,000 | 1,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,674,000 | 1,949 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,010,000 | 1,351 |
| Total interest expense | $9,235,000 | 1,629 |
| Net interest income | $14,775,000 | 1,191 |
| Provision for loan and lease losses | $4,236,000 | 335 |
| Total noninterest income | $2,175,000 | 1,743 |
| Gross Fiduciary activities income | $784,000 | 519 |
| Service charges on deposit accounts | $1,050,000 | 1,252 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $341,000 | 3,739 |
| Total noninterest expense | $9,408,000 | 1,475 |
| Salaries and employee benefits | $3,799,000 | 1,828 |
| Premises and equipment expense | $1,278,000 | 1,599 |
| Additional noninterest expense | $4,331,000 | 1,082 |
| Pre-tax net operating income | $3,306,000 | 2,214 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,384,000 | 1,699 |
| Income before extraordinary items | $1,922,000 | 2,676 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,922,000 | 2,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,898,000 | 313 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $7,117,000 | 150 |
| Net operating income | $1,922,000 | 2,643 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,825,000 | 1,359 |
| Total interest expense | $9,693,000 | 1,586 |
| Net interest income | $14,132,000 | 1,198 |
| Provision for loan and lease losses | $4,404,000 | 350 |
| Total noninterest income | $2,164,000 | 1,713 |
| Gross Fiduciary activities income | $823,000 | 506 |
| Service charges on deposit accounts | $983,000 | 1,265 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $358,000 | 3,659 |
| Total noninterest expense | $8,182,000 | 1,619 |
| Salaries and employee benefits | $3,161,000 | 2,143 |
| Premises and equipment expense | $1,113,000 | 1,767 |
| Additional noninterest expense | $3,908,000 | 1,144 |
| Pre-tax net operating income | $3,710,000 | 1,959 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,427,000 | 1,709 |
| Income before extraordinary items | $2,283,000 | 2,277 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,283,000 | 2,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,203,000 | 313 |
| Cash dividends | $2,100,000 | 1,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,283,000 | 2,201 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,948,000 | 1,576 |
| Total interest expense | $8,327,000 | 1,857 |
| Net interest income | $12,621,000 | 1,368 |
| Provision for loan and lease losses | $4,113,000 | 357 |
| Total noninterest income | $2,334,000 | 1,557 |
| Gross Fiduciary activities income | $656,000 | 579 |
| Service charges on deposit accounts | $925,000 | 1,394 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $753,000 | 2,110 |
| Total noninterest expense | $8,248,000 | 1,596 |
| Salaries and employee benefits | $3,629,000 | 1,797 |
| Premises and equipment expense | $1,034,000 | 1,919 |
| Additional noninterest expense | $3,585,000 | 1,230 |
| Pre-tax net operating income | $2,594,000 | 2,824 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,062,000 | 2,318 |
| Income before extraordinary items | $1,532,000 | 3,306 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,532,000 | 3,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,850,000 | 332 |
| Cash dividends | $7,828,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,532,000 | 3,226 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $22,680,000 | 1,489 |
| Total interest expense | $9,167,000 | 1,722 |
| Net interest income | $13,513,000 | 1,316 |
| Provision for loan and lease losses | $3,758,000 | 401 |
| Total noninterest income | $2,490,000 | 1,556 |
| Gross Fiduciary activities income | $522,000 | 692 |
| Service charges on deposit accounts | $1,332,000 | 998 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $636,000 | 2,465 |
| Total noninterest expense | $9,253,000 | 1,537 |
| Salaries and employee benefits | $4,427,000 | 1,501 |
| Premises and equipment expense | $1,338,000 | 1,516 |
| Additional noninterest expense | $3,488,000 | 1,522 |
| Pre-tax net operating income | $2,992,000 | 2,380 |
| Securities gains (losses) | $82,000 | 1,052 |
| Applicable income taxes | $1,331,000 | 1,809 |
| Income before extraordinary items | $1,743,000 | 2,793 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,743,000 | 2,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,677,000 | 403 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,690,520 | 2,823 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $20,239,000 | 1,674 |
| Total interest expense | $8,189,000 | 1,922 |
| Net interest income | $12,050,000 | 1,492 |
| Provision for loan and lease losses | $3,531,000 | 402 |
| Total noninterest income | $1,743,000 | 2,046 |
| Gross Fiduciary activities income | $360,000 | 831 |
| Service charges on deposit accounts | $967,000 | 1,417 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $416,000 | 3,228 |
| Total noninterest expense | $8,672,000 | 1,634 |
| Salaries and employee benefits | $3,952,000 | 1,678 |
| Premises and equipment expense | $1,365,000 | 1,501 |
| Additional noninterest expense | $3,355,000 | 1,540 |
| Pre-tax net operating income | $1,590,000 | 4,248 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $816,000 | 2,831 |
| Income before extraordinary items | $775,000 | 5,571 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $775,000 | 5,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,411,000 | 511 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $21,395,000 | 22 |
| Net operating income | $774,360 | 5,561 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,314,000 | 2,295 |
| Total interest expense | $4,521,000 | 2,706 |
| Net interest income | $8,793,000 | 2,051 |
| Provision for loan and lease losses | $-61,000 | 12,046 |
| Total noninterest income | $1,970,000 | 1,850 |
| Gross Fiduciary activities income | $257,000 | 958 |
| Service charges on deposit accounts | $919,000 | 1,474 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $794,000 | 2,150 |
| Total noninterest expense | $7,117,000 | 2,008 |
| Salaries and employee benefits | $3,936,000 | 1,702 |
| Premises and equipment expense | $1,146,000 | 1,794 |
| Additional noninterest expense | $2,035,000 | 2,536 |
| Pre-tax net operating income | $3,707,000 | 1,920 |
| Securities gains (losses) | $-2,153,000 | 12,490 |
| Applicable income taxes | $409,000 | 4,690 |
| Income before extraordinary items | $1,145,000 | 4,037 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,145,000 | 4,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,552 |
| Cash dividends | $394,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,738,220 | 1,789 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,760,000 | 2,625 |
| Total interest expense | $4,036,000 | 3,150 |
| Net interest income | $7,724,000 | 2,322 |
| Provision for loan and lease losses | $284,000 | 3,132 |
| Total noninterest income | $1,696,000 | 2,219 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $913,000 | 1,484 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $783,000 | 2,417 |
| Total noninterest expense | $6,799,000 | 2,148 |
| Salaries and employee benefits | $3,840,000 | 1,746 |
| Premises and equipment expense | $1,048,000 | 1,968 |
| Additional noninterest expense | $1,911,000 | 2,834 |
| Pre-tax net operating income | $2,337,000 | 2,885 |
| Securities gains (losses) | $372,000 | 1,116 |
| Applicable income taxes | $716,000 | 3,056 |
| Income before extraordinary items | $1,993,000 | 2,532 |
| Extraordinary gains, net | $234,000 | 891 |
| Net income | $2,227,000 | 2,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 11,674 |
| Cash dividends | $321,000 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,717,720 | 2,719 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,962,000 | 3,200 |
| Total interest expense | $4,354,000 | 3,767 |
| Net interest income | $6,608,000 | 2,774 |
| Provision for loan and lease losses | $495,000 | 3,027 |
| Total noninterest income | $1,245,000 | 2,786 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $833,000 | 1,638 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $412,000 | 3,633 |
| Total noninterest expense | $6,032,000 | 2,407 |
| Salaries and employee benefits | $2,878,000 | 2,263 |
| Premises and equipment expense | $945,000 | 2,203 |
| Additional noninterest expense | $2,209,000 | 2,579 |
| Pre-tax net operating income | $1,326,000 | 4,539 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $253,000 | 6,602 |
| Income before extraordinary items | $1,083,000 | 4,184 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,083,000 | 4,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,451,000 | 1,228 |
| Cash dividends | $202,000 | 4,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,074,900 | 3,912 |
* 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.