Home > Union State Bank > Income and Expense
Union State Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,128,000 | 5,728 |
| Total interest expense | $1,795,000 | 4,749 |
| Net interest income | $2,333,000 | 6,229 |
| Provision for loan and lease losses | $122,000 | 4,440 |
| Total noninterest income | $178,000 | 7,241 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $136,000 | 5,799 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $42,000 | 7,569 |
| Total noninterest expense | $1,256,000 | 7,299 |
| Salaries and employee benefits | $754,000 | 7,078 |
| Premises and equipment expense | $139,000 | 7,408 |
| Additional noninterest expense | $363,000 | 7,297 |
| Pre-tax net operating income | $1,133,000 | 5,030 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $56,000 | 5,792 |
| Income before extraordinary items | $1,077,000 | 4,641 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,077,000 | 4,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $556,000 | 3,465 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,077,000 | 4,598 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,054,000 | 5,741 |
| Total interest expense | $1,298,000 | 4,716 |
| Net interest income | $1,756,000 | 6,255 |
| Provision for loan and lease losses | $122,000 | 3,852 |
| Total noninterest income | $118,000 | 7,458 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,899 |
| Total noninterest expense | $1,027,000 | 7,108 |
| Salaries and employee benefits | $676,000 | 6,636 |
| Premises and equipment expense | $106,000 | 7,385 |
| Additional noninterest expense | $245,000 | 7,488 |
| Pre-tax net operating income | $725,000 | 5,567 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $35,000 | 6,004 |
| Income before extraordinary items | $690,000 | 5,124 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $690,000 | 5,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,983 |
| Cash dividends | $349,000 | 3,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $690,000 | 5,081 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,995,000 | 5,744 |
| Total interest expense | $820,000 | 4,711 |
| Net interest income | $1,175,000 | 6,244 |
| Provision for loan and lease losses | $41,000 | 4,838 |
| Total noninterest income | $77,000 | 7,470 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $61,000 | 5,980 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $16,000 | 7,844 |
| Total noninterest expense | $757,000 | 6,882 |
| Salaries and employee benefits | $515,000 | 6,248 |
| Premises and equipment expense | $82,000 | 7,100 |
| Additional noninterest expense | $160,000 | 7,506 |
| Pre-tax net operating income | $454,000 | 5,682 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $23,000 | 6,019 |
| Income before extraordinary items | $431,000 | 5,262 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $431,000 | 5,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,020 |
| Cash dividends | $151,000 | 3,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $431,000 | 5,213 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $964,000 | 5,836 |
| Total interest expense | $392,000 | 4,742 |
| Net interest income | $572,000 | 6,358 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $35,000 | 7,613 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,922 |
| Total noninterest expense | $400,000 | 6,770 |
| Salaries and employee benefits | $263,000 | 6,212 |
| Premises and equipment expense | $51,000 | 6,715 |
| Additional noninterest expense | $86,000 | 7,444 |
| Pre-tax net operating income | $197,000 | 5,990 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $10,000 | 6,081 |
| Income before extraordinary items | $187,000 | 5,595 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $187,000 | 5,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,076 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $187,000 | 5,552 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,664,000 | 5,835 |
| Total interest expense | $1,382,000 | 4,741 |
| Net interest income | $2,282,000 | 6,269 |
| Provision for loan and lease losses | $90,000 | 5,165 |
| Total noninterest income | $233,000 | 6,893 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $141,000 | 5,910 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $92,000 | 6,549 |
| Total noninterest expense | $1,423,000 | 7,024 |
| Salaries and employee benefits | $962,000 | 6,411 |
| Premises and equipment expense | $176,000 | 7,018 |
| Additional noninterest expense | $285,000 | 7,786 |
| Pre-tax net operating income | $1,002,000 | 5,231 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $50,000 | 6,036 |
| Income before extraordinary items | $960,000 | 4,799 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $960,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,656 |
| Cash dividends | $1,101,000 | 2,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $952,400 | 4,755 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,700,000 | 5,881 |
| Total interest expense | $1,010,000 | 4,758 |
| Net interest income | $1,690,000 | 6,307 |
| Provision for loan and lease losses | $75,000 | 4,788 |
| Total noninterest income | $140,000 | 7,309 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $107,000 | 5,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $33,000 | 7,603 |
| Total noninterest expense | $1,088,000 | 6,943 |
| Salaries and employee benefits | $741,000 | 6,284 |
| Premises and equipment expense | $129,000 | 7,057 |
| Additional noninterest expense | $218,000 | 7,763 |
| Pre-tax net operating income | $667,000 | 5,621 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $33,000 | 6,230 |
| Income before extraordinary items | $642,000 | 5,186 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $642,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,278 |
| Cash dividends | $591,000 | 2,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $634,400 | 5,128 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,766,000 | 5,941 |
| Total interest expense | $666,000 | 4,808 |
| Net interest income | $1,100,000 | 6,398 |
| Provision for loan and lease losses | $75,000 | 3,988 |
| Total noninterest income | $88,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $70,000 | 5,970 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 7,850 |
| Total noninterest expense | $720,000 | 7,010 |
| Salaries and employee benefits | $493,000 | 6,337 |
| Premises and equipment expense | $95,000 | 6,896 |
| Additional noninterest expense | $132,000 | 7,951 |
| Pre-tax net operating income | $393,000 | 5,898 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $19,000 | 6,311 |
| Income before extraordinary items | $382,000 | 5,437 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $382,000 | 5,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,635 |
| Cash dividends | $405,000 | 2,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $374,400 | 5,393 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $887,000 | 5,961 |
| Total interest expense | $336,000 | 4,826 |
| Net interest income | $551,000 | 6,420 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $43,000 | 7,478 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $32,000 | 6,092 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $11,000 | 7,645 |
| Total noninterest expense | $363,000 | 7,023 |
| Salaries and employee benefits | $247,000 | 6,380 |
| Premises and equipment expense | $54,000 | 6,592 |
| Additional noninterest expense | $62,000 | 8,094 |
| Pre-tax net operating income | $156,000 | 6,359 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $7,000 | 6,445 |
| Income before extraordinary items | $149,000 | 6,028 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $149,000 | 6,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 1,653 |
| Cash dividends | $285,000 | 1,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $149,000 | 5,904 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,702,000 | 5,890 |
| Total interest expense | $1,504,000 | 4,863 |
| Net interest income | $2,198,000 | 6,321 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $214,000 | 7,226 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $118,000 | 6,306 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $96,000 | 6,607 |
| Total noninterest expense | $1,391,000 | 7,089 |
| Salaries and employee benefits | $924,000 | 6,520 |
| Premises and equipment expense | $164,000 | 7,207 |
| Additional noninterest expense | $303,000 | 7,738 |
| Pre-tax net operating income | $1,021,000 | 5,116 |
| Securities gains (losses) | $207,000 | 1,323 |
| Applicable income taxes | $62,000 | 6,135 |
| Income before extraordinary items | $1,166,000 | 4,215 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,166,000 | 4,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,545 |
| Cash dividends | $954,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $969,350 | 4,564 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,777,000 | 5,949 |
| Total interest expense | $1,151,000 | 4,930 |
| Net interest income | $1,626,000 | 6,398 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $125,000 | 7,698 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $84,000 | 6,425 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $41,000 | 7,480 |
| Total noninterest expense | $1,007,000 | 7,189 |
| Salaries and employee benefits | $700,000 | 6,466 |
| Premises and equipment expense | $117,000 | 7,325 |
| Additional noninterest expense | $190,000 | 8,085 |
| Pre-tax net operating income | $744,000 | 5,340 |
| Securities gains (losses) | $207,000 | 1,208 |
| Applicable income taxes | $49,000 | 6,220 |
| Income before extraordinary items | $902,000 | 4,282 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $902,000 | 4,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $449,000 | 2,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $705,350 | 4,784 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,846,000 | 5,991 |
| Total interest expense | $782,000 | 5,004 |
| Net interest income | $1,064,000 | 6,451 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $70,000 | 7,961 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $57,000 | 6,385 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $13,000 | 8,275 |
| Total noninterest expense | $674,000 | 7,190 |
| Salaries and employee benefits | $468,000 | 6,487 |
| Premises and equipment expense | $86,000 | 7,125 |
| Additional noninterest expense | $120,000 | 8,170 |
| Pre-tax net operating income | $460,000 | 5,529 |
| Securities gains (losses) | $-42,000 | 9,152 |
| Applicable income taxes | $21,000 | 6,569 |
| Income before extraordinary items | $397,000 | 5,430 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $397,000 | 5,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $324,000 | 2,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $436,900 | 4,969 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $935,000 | 5,979 |
| Total interest expense | $405,000 | 5,001 |
| Net interest income | $530,000 | 6,467 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $37,000 | 7,862 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 7,987 |
| Total noninterest expense | $326,000 | 7,317 |
| Salaries and employee benefits | $238,000 | 6,444 |
| Premises and equipment expense | $46,000 | 7,010 |
| Additional noninterest expense | $42,000 | 8,723 |
| Pre-tax net operating income | $241,000 | 5,372 |
| Securities gains (losses) | $-42,000 | 9,225 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $189,000 | 5,459 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $189,000 | 5,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $210,000 | 2,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $228,900 | 4,767 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,105,000 | 5,819 |
| Total interest expense | $1,835,000 | 5,091 |
| Net interest income | $2,270,000 | 6,211 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $207,000 | 7,238 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $110,000 | 6,411 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 6,503 |
| Total noninterest expense | $1,442,000 | 6,968 |
| Salaries and employee benefits | $862,000 | 6,651 |
| Premises and equipment expense | $136,000 | 7,636 |
| Additional noninterest expense | $444,000 | 6,850 |
| Pre-tax net operating income | $1,035,000 | 5,120 |
| Securities gains (losses) | $238,000 | 1,057 |
| Applicable income taxes | $56,000 | 6,444 |
| Income before extraordinary items | $1,217,000 | 4,054 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,217,000 | 4,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,802 |
| Cash dividends | $687,000 | 2,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $988,520 | 4,515 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,604,000 | 5,900 |
| Total interest expense | $2,493,000 | 5,413 |
| Net interest income | $2,111,000 | 6,264 |
| Provision for loan and lease losses | $217,000 | 3,949 |
| Total noninterest income | $226,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $118,000 | 6,280 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $108,000 | 6,258 |
| Total noninterest expense | $1,134,000 | 7,617 |
| Salaries and employee benefits | $796,000 | 6,787 |
| Premises and equipment expense | $109,000 | 8,166 |
| Additional noninterest expense | $229,000 | 8,423 |
| Pre-tax net operating income | $986,000 | 4,932 |
| Securities gains (losses) | $20,000 | 3,157 |
| Applicable income taxes | $53,000 | 6,661 |
| Income before extraordinary items | $953,000 | 4,409 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $953,000 | 4,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,205 |
| Cash dividends | $578,000 | 3,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $934,000 | 4,351 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,274,000 | 6,271 |
| Total interest expense | $2,415,000 | 5,688 |
| Net interest income | $1,859,000 | 6,804 |
| Provision for loan and lease losses | $74,000 | 5,896 |
| Total noninterest income | $137,000 | 8,084 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,608 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,200 |
| Total noninterest expense | $1,103,000 | 7,732 |
| Salaries and employee benefits | $719,000 | 7,104 |
| Premises and equipment expense | $95,000 | 8,531 |
| Additional noninterest expense | $289,000 | 8,026 |
| Pre-tax net operating income | $819,000 | 5,801 |
| Securities gains (losses) | $-12,000 | 8,439 |
| Applicable income taxes | $70,000 | 6,932 |
| Income before extraordinary items | $737,000 | 5,270 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $737,000 | 5,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,771 |
| Cash dividends | $307,000 | 4,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $747,920 | 5,237 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,100,000 | 6,275 |
| Total interest expense | $2,153,000 | 5,731 |
| Net interest income | $1,947,000 | 6,739 |
| Provision for loan and lease losses | $101,000 | 5,190 |
| Total noninterest income | $209,000 | 7,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 6,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 6,553 |
| Total noninterest expense | $1,121,000 | 7,791 |
| Salaries and employee benefits | $725,000 | 7,111 |
| Premises and equipment expense | $112,000 | 8,385 |
| Additional noninterest expense | $284,000 | 8,257 |
| Pre-tax net operating income | $934,000 | 5,509 |
| Securities gains (losses) | $-10,000 | 9,313 |
| Applicable income taxes | $74,000 | 7,277 |
| Income before extraordinary items | $850,000 | 4,901 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $850,000 | 4,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,508 |
| Cash dividends | $717,000 | 2,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $859,200 | 4,831 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,672,000 | 6,778 |
| Total interest expense | $1,949,000 | 6,269 |
| Net interest income | $1,723,000 | 7,231 |
| Provision for loan and lease losses | $68,000 | 5,924 |
| Total noninterest income | $275,000 | 6,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 6,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,229 |
| Total noninterest expense | $1,111,000 | 7,788 |
| Salaries and employee benefits | $653,000 | 7,459 |
| Premises and equipment expense | $136,000 | 7,956 |
| Additional noninterest expense | $322,000 | 7,914 |
| Pre-tax net operating income | $819,000 | 6,020 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $66,000 | 8,056 |
| Income before extraordinary items | $757,000 | 5,369 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $757,000 | 5,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,015 |
| Cash dividends | $613,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $753,320 | 5,280 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,576,000 | 7,081 |
| Total interest expense | $1,732,000 | 6,815 |
| Net interest income | $1,844,000 | 7,226 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $541,000 | 4,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 8,648 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $500,000 | 2,823 |
| Total noninterest expense | $1,122,000 | 7,937 |
| Salaries and employee benefits | $567,000 | 8,138 |
| Premises and equipment expense | $135,000 | 8,126 |
| Additional noninterest expense | $420,000 | 7,190 |
| Pre-tax net operating income | $1,263,000 | 5,072 |
| Securities gains (losses) | $78,000 | 1,101 |
| Applicable income taxes | $483,000 | 4,318 |
| Income before extraordinary items | $858,000 | 5,229 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $858,000 | 5,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 10,378 |
| Cash dividends | $1,006,000 | 2,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $808,080 | 5,370 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,398,000 | 7,514 |
| Total interest expense | $1,601,000 | 7,325 |
| Net interest income | $1,797,000 | 7,568 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $94,000 | 9,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,024 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,849 |
| Total noninterest expense | $963,000 | 8,808 |
| Salaries and employee benefits | $586,000 | 8,221 |
| Premises and equipment expense | $98,000 | 9,349 |
| Additional noninterest expense | $279,000 | 9,092 |
| Pre-tax net operating income | $928,000 | 5,995 |
| Securities gains (losses) | $77,000 | 1,085 |
| Applicable income taxes | $283,000 | 6,032 |
| Income before extraordinary items | $722,000 | 5,666 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $722,000 | 5,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $634,000 | 2,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $666,560 | 5,856 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,243,000 | 7,875 |
| Total interest expense | $1,521,000 | 7,639 |
| Net interest income | $1,722,000 | 7,960 |
| Provision for loan and lease losses | $82,000 | 5,048 |
| Total noninterest income | $96,000 | 10,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,034 |
| Total noninterest expense | $868,000 | 9,483 |
| Salaries and employee benefits | $585,000 | 8,455 |
| Premises and equipment expense | $88,000 | 9,975 |
| Additional noninterest expense | $195,000 | 10,472 |
| Pre-tax net operating income | $868,000 | 6,560 |
| Securities gains (losses) | $-168,000 | 11,644 |
| Applicable income taxes | $189,000 | 7,616 |
| Income before extraordinary items | $511,000 | 7,160 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $511,000 | 7,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,053 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $633,640 | 6,402 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,071,000 | 7,937 |
| Total interest expense | $1,244,000 | 7,735 |
| Net interest income | $1,827,000 | 7,971 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $110,000 | 10,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $1,177,000 | 8,698 |
| Salaries and employee benefits | $658,000 | 8,213 |
| Premises and equipment expense | $86,000 | 10,464 |
| Additional noninterest expense | $433,000 | 8,496 |
| Pre-tax net operating income | $760,000 | 7,081 |
| Securities gains (losses) | $-117,000 | 11,646 |
| Applicable income taxes | $208,000 | 7,209 |
| Income before extraordinary items | $435,000 | 7,843 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $435,000 | 7,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-109,000 | 12,256 |
| Cash dividends | $420,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $514,560 | 7,227 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,190,000 | 8,028 |
| Total interest expense | $1,256,000 | 8,056 |
| Net interest income | $1,934,000 | 7,882 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $102,000 | 11,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 10,477 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,332 |
| Total noninterest expense | $1,124,000 | 9,228 |
| Salaries and employee benefits | $619,000 | 8,642 |
| Premises and equipment expense | $91,000 | 10,750 |
| Additional noninterest expense | $414,000 | 9,111 |
| Pre-tax net operating income | $912,000 | 6,294 |
| Securities gains (losses) | $-243,000 | 13,223 |
| Applicable income taxes | $173,000 | 8,146 |
| Income before extraordinary items | $496,000 | 7,594 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $496,000 | 7,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 8,222 |
| Cash dividends | $674,000 | 2,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $675,820 | 6,018 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,257,000 | 8,548 |
| Total interest expense | $1,441,000 | 8,695 |
| Net interest income | $1,816,000 | 8,294 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $187,000 | 9,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 6,598 |
| Total noninterest expense | $1,324,000 | 8,580 |
| Salaries and employee benefits | $587,000 | 8,926 |
| Premises and equipment expense | $64,000 | 12,099 |
| Additional noninterest expense | $673,000 | 6,936 |
| Pre-tax net operating income | $679,000 | 7,221 |
| Securities gains (losses) | $35,000 | 4,733 |
| Applicable income taxes | $143,000 | 8,814 |
| Income before extraordinary items | $571,000 | 6,765 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $571,000 | 6,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $420,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $543,000 | 6,607 |
* 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.