Home > United Bank > Income and Expense
United Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,762,000 | 3,250 |
| Total interest expense | $1,870,000 | 3,900 |
| Net interest income | $3,892,000 | 2,782 |
| Provision for loan and lease losses | $-50,000 | 8,375 |
| Total noninterest income | $1,312,000 | 1,814 |
| Gross Fiduciary activities income | $10,000 | 1,114 |
| Service charges on deposit accounts | $612,000 | 1,450 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $690,000 | 1,808 |
| Total noninterest expense | $2,811,000 | 3,262 |
| Salaries and employee benefits | $1,571,000 | 3,194 |
| Premises and equipment expense | $252,000 | 4,485 |
| Additional noninterest expense | $988,000 | 2,776 |
| Pre-tax net operating income | $2,443,000 | 1,414 |
| Securities gains (losses) | $58,000 | 1,332 |
| Applicable income taxes | $816,000 | 1,101 |
| Income before extraordinary items | $1,685,000 | 1,616 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,685,000 | 1,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,289 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,646,140 | 1,620 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,964,000 | 3,264 |
| Total interest expense | $1,049,000 | 3,788 |
| Net interest income | $1,915,000 | 2,812 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $689,000 | 1,773 |
| Gross Fiduciary activities income | $5,000 | 1,113 |
| Service charges on deposit accounts | $286,000 | 1,531 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $398,000 | 1,639 |
| Total noninterest expense | $1,434,000 | 3,202 |
| Salaries and employee benefits | $794,000 | 3,187 |
| Premises and equipment expense | $116,000 | 4,734 |
| Additional noninterest expense | $524,000 | 2,610 |
| Pre-tax net operating income | $1,170,000 | 1,556 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $381,000 | 1,237 |
| Income before extraordinary items | $789,000 | 1,838 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $789,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 8,333 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $789,000 | 1,774 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,584,000 | 3,155 |
| Total interest expense | $5,026,000 | 3,459 |
| Net interest income | $7,558,000 | 2,895 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $2,442,000 | 1,930 |
| Gross Fiduciary activities income | $19,000 | 1,156 |
| Service charges on deposit accounts | $1,148,000 | 1,567 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,275,000 | 1,878 |
| Total noninterest expense | $6,464,000 | 2,761 |
| Salaries and employee benefits | $3,342,000 | 2,941 |
| Premises and equipment expense | $583,000 | 3,926 |
| Additional noninterest expense | $2,539,000 | 2,151 |
| Pre-tax net operating income | $3,536,000 | 2,177 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,126,000 | 1,723 |
| Income before extraordinary items | $2,410,000 | 2,456 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,410,000 | 2,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,295 |
| Cash dividends | $2,500,000 | 1,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,410,000 | 2,444 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,524,000 | 3,135 |
| Total interest expense | $3,868,000 | 3,388 |
| Net interest income | $5,656,000 | 2,895 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $1,832,000 | 1,921 |
| Gross Fiduciary activities income | $14,000 | 1,135 |
| Service charges on deposit accounts | $822,000 | 1,608 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $996,000 | 1,843 |
| Total noninterest expense | $4,885,000 | 2,722 |
| Salaries and employee benefits | $2,525,000 | 2,894 |
| Premises and equipment expense | $427,000 | 3,971 |
| Additional noninterest expense | $1,933,000 | 2,078 |
| Pre-tax net operating income | $2,558,000 | 2,396 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $810,000 | 1,898 |
| Income before extraordinary items | $1,748,000 | 2,653 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,748,000 | 2,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,597 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,748,000 | 2,633 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,428,000 | 3,093 |
| Total interest expense | $2,657,000 | 3,283 |
| Net interest income | $3,771,000 | 2,917 |
| Provision for loan and lease losses | $25,000 | 5,140 |
| Total noninterest income | $1,182,000 | 1,986 |
| Gross Fiduciary activities income | $9,000 | 1,152 |
| Service charges on deposit accounts | $503,000 | 1,742 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $670,000 | 1,839 |
| Total noninterest expense | $3,255,000 | 2,766 |
| Salaries and employee benefits | $1,706,000 | 2,893 |
| Premises and equipment expense | $287,000 | 3,960 |
| Additional noninterest expense | $1,262,000 | 2,124 |
| Pre-tax net operating income | $1,673,000 | 2,494 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $530,000 | 1,983 |
| Income before extraordinary items | $1,143,000 | 2,746 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,143,000 | 2,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,675 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,143,000 | 2,729 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,311,000 | 3,014 |
| Total interest expense | $1,440,000 | 3,094 |
| Net interest income | $1,871,000 | 2,934 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $588,000 | 1,985 |
| Gross Fiduciary activities income | $4,000 | 1,141 |
| Service charges on deposit accounts | $235,000 | 1,805 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $349,000 | 1,755 |
| Total noninterest expense | $1,678,000 | 2,708 |
| Salaries and employee benefits | $884,000 | 2,828 |
| Premises and equipment expense | $146,000 | 3,924 |
| Additional noninterest expense | $648,000 | 2,024 |
| Pre-tax net operating income | $761,000 | 2,646 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $239,000 | 2,155 |
| Income before extraordinary items | $522,000 | 2,927 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $522,000 | 2,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,145 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $522,000 | 2,913 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,322,000 | 3,013 |
| Total interest expense | $4,594,000 | 3,253 |
| Net interest income | $7,728,000 | 2,845 |
| Provision for loan and lease losses | $-130,000 | 8,494 |
| Total noninterest income | $2,218,000 | 2,067 |
| Gross Fiduciary activities income | $16,000 | 1,208 |
| Service charges on deposit accounts | $982,000 | 1,779 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,220,000 | 1,939 |
| Total noninterest expense | $6,348,000 | 2,746 |
| Salaries and employee benefits | $3,235,000 | 2,922 |
| Premises and equipment expense | $575,000 | 3,886 |
| Additional noninterest expense | $2,538,000 | 2,075 |
| Pre-tax net operating income | $3,728,000 | 2,366 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,191,000 | 1,961 |
| Income before extraordinary items | $2,537,000 | 2,587 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,537,000 | 2,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,859 |
| Cash dividends | $4,500,000 | 780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,537,000 | 2,568 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,160,000 | 3,018 |
| Total interest expense | $3,364,000 | 3,212 |
| Net interest income | $5,796,000 | 2,866 |
| Provision for loan and lease losses | $-160,000 | 8,605 |
| Total noninterest income | $1,665,000 | 2,064 |
| Gross Fiduciary activities income | $12,000 | 1,185 |
| Service charges on deposit accounts | $727,000 | 1,803 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $926,000 | 1,935 |
| Total noninterest expense | $4,739,000 | 2,751 |
| Salaries and employee benefits | $2,397,000 | 2,952 |
| Premises and equipment expense | $424,000 | 3,950 |
| Additional noninterest expense | $1,918,000 | 2,047 |
| Pre-tax net operating income | $2,882,000 | 2,401 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $916,000 | 1,995 |
| Income before extraordinary items | $1,966,000 | 2,602 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,966,000 | 2,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,785 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,966,000 | 2,591 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,061,000 | 2,999 |
| Total interest expense | $2,171,000 | 3,174 |
| Net interest income | $3,890,000 | 2,851 |
| Provision for loan and lease losses | $-180,000 | 8,660 |
| Total noninterest income | $1,072,000 | 2,118 |
| Gross Fiduciary activities income | $8,000 | 1,202 |
| Service charges on deposit accounts | $464,000 | 1,855 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $600,000 | 1,958 |
| Total noninterest expense | $3,184,000 | 2,757 |
| Salaries and employee benefits | $1,603,000 | 2,944 |
| Premises and equipment expense | $285,000 | 3,923 |
| Additional noninterest expense | $1,296,000 | 2,032 |
| Pre-tax net operating income | $1,958,000 | 2,347 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $625,000 | 1,995 |
| Income before extraordinary items | $1,333,000 | 2,570 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,333,000 | 2,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-142,000 | 8,637 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,333,000 | 2,550 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,084,000 | 2,900 |
| Total interest expense | $1,133,000 | 2,943 |
| Net interest income | $1,951,000 | 2,833 |
| Provision for loan and lease losses | $-200,000 | 8,699 |
| Total noninterest income | $500,000 | 2,189 |
| Gross Fiduciary activities income | $4,000 | 1,187 |
| Service charges on deposit accounts | $212,000 | 1,947 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $284,000 | 2,021 |
| Total noninterest expense | $1,591,000 | 2,750 |
| Salaries and employee benefits | $811,000 | 2,933 |
| Premises and equipment expense | $141,000 | 3,962 |
| Additional noninterest expense | $639,000 | 2,034 |
| Pre-tax net operating income | $1,060,000 | 2,182 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $343,000 | 1,834 |
| Income before extraordinary items | $717,000 | 2,400 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $717,000 | 2,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-203,000 | 8,725 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $717,000 | 2,374 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,512,000 | 2,621 |
| Total interest expense | $3,906,000 | 2,705 |
| Net interest income | $8,606,000 | 2,533 |
| Provision for loan and lease losses | $-160,000 | 8,671 |
| Total noninterest income | $1,968,000 | 2,239 |
| Gross Fiduciary activities income | $15,000 | 1,235 |
| Service charges on deposit accounts | $836,000 | 2,032 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,117,000 | 2,058 |
| Total noninterest expense | $6,259,000 | 2,651 |
| Salaries and employee benefits | $3,088,000 | 2,903 |
| Premises and equipment expense | $354,000 | 5,243 |
| Additional noninterest expense | $2,817,000 | 1,790 |
| Pre-tax net operating income | $4,475,000 | 2,037 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,449,000 | 1,744 |
| Income before extraordinary items | $3,026,000 | 2,228 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,026,000 | 2,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,178 |
| Cash dividends | $4,000,000 | 801 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,026,000 | 2,192 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,353,000 | 2,577 |
| Total interest expense | $2,822,000 | 2,668 |
| Net interest income | $6,531,000 | 2,486 |
| Provision for loan and lease losses | $130,000 | 3,749 |
| Total noninterest income | $1,486,000 | 2,224 |
| Gross Fiduciary activities income | $11,000 | 1,204 |
| Service charges on deposit accounts | $627,000 | 2,035 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $848,000 | 2,048 |
| Total noninterest expense | $4,669,000 | 2,626 |
| Salaries and employee benefits | $2,336,000 | 2,836 |
| Premises and equipment expense | $266,000 | 5,221 |
| Additional noninterest expense | $2,067,000 | 1,811 |
| Pre-tax net operating income | $3,218,000 | 2,117 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,031,000 | 1,830 |
| Income before extraordinary items | $2,187,000 | 2,330 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,187,000 | 2,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,098 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,187,000 | 2,293 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,209,000 | 2,530 |
| Total interest expense | $1,822,000 | 2,608 |
| Net interest income | $4,387,000 | 2,454 |
| Provision for loan and lease losses | $70,000 | 3,946 |
| Total noninterest income | $983,000 | 2,201 |
| Gross Fiduciary activities income | $7,000 | 1,215 |
| Service charges on deposit accounts | $410,000 | 2,028 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $566,000 | 2,016 |
| Total noninterest expense | $3,079,000 | 2,636 |
| Salaries and employee benefits | $1,534,000 | 2,868 |
| Premises and equipment expense | $176,000 | 5,238 |
| Additional noninterest expense | $1,369,000 | 1,806 |
| Pre-tax net operating income | $2,221,000 | 2,014 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $713,000 | 1,762 |
| Income before extraordinary items | $1,508,000 | 2,216 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,508,000 | 2,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,284 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,508,000 | 2,178 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,992,000 | 2,576 |
| Total interest expense | $758,000 | 2,932 |
| Net interest income | $2,234,000 | 2,398 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $462,000 | 2,255 |
| Gross Fiduciary activities income | $4,000 | 1,192 |
| Service charges on deposit accounts | $193,000 | 2,068 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $265,000 | 2,057 |
| Total noninterest expense | $1,525,000 | 2,669 |
| Salaries and employee benefits | $750,000 | 2,928 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $687,000 | 1,798 |
| Pre-tax net operating income | $1,161,000 | 1,928 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $374,000 | 1,689 |
| Income before extraordinary items | $787,000 | 2,111 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $787,000 | 2,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,547 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $787,000 | 2,078 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,464,000 | 2,313 |
| Total interest expense | $2,390,000 | 3,156 |
| Net interest income | $10,074,000 | 2,014 |
| Provision for loan and lease losses | $320,000 | 2,785 |
| Total noninterest income | $1,788,000 | 2,381 |
| Gross Fiduciary activities income | $6,000 | 1,382 |
| Service charges on deposit accounts | $767,000 | 2,217 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,015,000 | 2,123 |
| Total noninterest expense | $6,268,000 | 2,537 |
| Salaries and employee benefits | $3,168,000 | 2,709 |
| Premises and equipment expense | $290,000 | 5,767 |
| Additional noninterest expense | $2,810,000 | 1,736 |
| Pre-tax net operating income | $5,274,000 | 1,620 |
| Securities gains (losses) | $-66,000 | 8,651 |
| Applicable income taxes | $1,685,000 | 1,469 |
| Income before extraordinary items | $3,523,000 | 1,799 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,523,000 | 1,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,418 |
| Cash dividends | $3,200,000 | 921 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,567,880 | 1,735 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,376,000 | 2,265 |
| Total interest expense | $1,777,000 | 3,140 |
| Net interest income | $7,599,000 | 1,982 |
| Provision for loan and lease losses | $230,000 | 2,721 |
| Total noninterest income | $1,344,000 | 2,386 |
| Gross Fiduciary activities income | $3,000 | 1,390 |
| Service charges on deposit accounts | $577,000 | 2,232 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $764,000 | 2,139 |
| Total noninterest expense | $4,501,000 | 2,612 |
| Salaries and employee benefits | $2,295,000 | 2,768 |
| Premises and equipment expense | $212,000 | 5,809 |
| Additional noninterest expense | $1,994,000 | 1,797 |
| Pre-tax net operating income | $4,212,000 | 1,528 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,369,000 | 1,392 |
| Income before extraordinary items | $2,843,000 | 1,711 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,843,000 | 1,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,287 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,843,000 | 1,665 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,277,000 | 2,232 |
| Total interest expense | $1,180,000 | 3,126 |
| Net interest income | $5,097,000 | 1,951 |
| Provision for loan and lease losses | $140,000 | 2,884 |
| Total noninterest income | $909,000 | 2,350 |
| Gross Fiduciary activities income | $1,000 | 1,443 |
| Service charges on deposit accounts | $379,000 | 2,249 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $529,000 | 2,103 |
| Total noninterest expense | $3,014,000 | 2,598 |
| Salaries and employee benefits | $1,519,000 | 2,799 |
| Premises and equipment expense | $130,000 | 6,101 |
| Additional noninterest expense | $1,365,000 | 1,752 |
| Pre-tax net operating income | $2,852,000 | 1,490 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $928,000 | 1,361 |
| Income before extraordinary items | $1,924,000 | 1,668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,924,000 | 1,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,384 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,924,000 | 1,605 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,091,000 | 2,277 |
| Total interest expense | $609,000 | 3,082 |
| Net interest income | $2,482,000 | 2,006 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $460,000 | 2,292 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $188,000 | 2,208 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $271,000 | 2,010 |
| Total noninterest expense | $1,539,000 | 2,573 |
| Salaries and employee benefits | $787,000 | 2,730 |
| Premises and equipment expense | $67,000 | 6,015 |
| Additional noninterest expense | $685,000 | 1,739 |
| Pre-tax net operating income | $1,403,000 | 1,482 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $455,000 | 1,397 |
| Income before extraordinary items | $948,000 | 1,669 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $948,000 | 1,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $948,000 | 1,583 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,243,000 | 2,533 |
| Total interest expense | $2,628,000 | 3,220 |
| Net interest income | $8,615,000 | 2,249 |
| Provision for loan and lease losses | $110,000 | 5,170 |
| Total noninterest income | $2,526,000 | 1,932 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $725,000 | 2,292 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,801,000 | 1,583 |
| Total noninterest expense | $5,950,000 | 2,616 |
| Salaries and employee benefits | $2,879,000 | 2,867 |
| Premises and equipment expense | $256,000 | 6,119 |
| Additional noninterest expense | $2,815,000 | 1,725 |
| Pre-tax net operating income | $5,081,000 | 1,591 |
| Securities gains (losses) | $-34,000 | 8,927 |
| Applicable income taxes | $1,580,000 | 1,554 |
| Income before extraordinary items | $3,467,000 | 1,796 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,467,000 | 1,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,613 |
| Cash dividends | $4,000,000 | 778 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,490,460 | 1,700 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,511,000 | 2,553 |
| Total interest expense | $2,025,000 | 3,258 |
| Net interest income | $6,486,000 | 2,253 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $2,105,000 | 1,831 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $540,000 | 2,320 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,565,000 | 1,490 |
| Total noninterest expense | $4,396,000 | 2,651 |
| Salaries and employee benefits | $2,130,000 | 2,915 |
| Premises and equipment expense | $192,000 | 6,101 |
| Additional noninterest expense | $2,074,000 | 1,744 |
| Pre-tax net operating income | $3,925,000 | 1,609 |
| Securities gains (losses) | $38,000 | 2,527 |
| Applicable income taxes | $1,240,000 | 1,574 |
| Income before extraordinary items | $2,723,000 | 1,770 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,723,000 | 1,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,234 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,696,780 | 1,699 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,993,000 | 2,444 |
| Total interest expense | $1,414,000 | 3,221 |
| Net interest income | $4,579,000 | 2,129 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $1,482,000 | 1,729 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $350,000 | 2,345 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,132,000 | 1,390 |
| Total noninterest expense | $2,942,000 | 2,649 |
| Salaries and employee benefits | $1,438,000 | 2,892 |
| Premises and equipment expense | $128,000 | 6,096 |
| Additional noninterest expense | $1,376,000 | 1,749 |
| Pre-tax net operating income | $2,939,000 | 1,446 |
| Securities gains (losses) | $-188,000 | 9,224 |
| Applicable income taxes | $856,000 | 1,537 |
| Income before extraordinary items | $1,895,000 | 1,711 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,895,000 | 1,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,602 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,024,720 | 1,503 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,006,000 | 2,446 |
| Total interest expense | $701,000 | 3,313 |
| Net interest income | $2,305,000 | 2,119 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $755,000 | 1,664 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $172,000 | 2,313 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $583,000 | 1,332 |
| Total noninterest expense | $1,480,000 | 2,617 |
| Salaries and employee benefits | $754,000 | 2,761 |
| Premises and equipment expense | $64,000 | 6,109 |
| Additional noninterest expense | $662,000 | 1,774 |
| Pre-tax net operating income | $1,490,000 | 1,440 |
| Securities gains (losses) | $-188,000 | 9,282 |
| Applicable income taxes | $400,000 | 1,621 |
| Income before extraordinary items | $902,000 | 1,765 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $902,000 | 1,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 9,057 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,031,720 | 1,460 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,941,000 | 2,573 |
| Total interest expense | $3,179,000 | 3,372 |
| Net interest income | $8,762,000 | 2,209 |
| Provision for loan and lease losses | $205,000 | 4,288 |
| Total noninterest income | $1,907,000 | 2,215 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $555,000 | 2,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,352,000 | 1,790 |
| Total noninterest expense | $5,951,000 | 2,482 |
| Salaries and employee benefits | $2,884,000 | 2,732 |
| Premises and equipment expense | $279,000 | 5,784 |
| Additional noninterest expense | $2,788,000 | 1,683 |
| Pre-tax net operating income | $4,513,000 | 1,802 |
| Securities gains (losses) | $-73,000 | 9,108 |
| Applicable income taxes | $1,295,000 | 1,847 |
| Income before extraordinary items | $3,145,000 | 1,910 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,145,000 | 1,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,694 |
| Cash dividends | $3,000,000 | 917 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,196,830 | 1,804 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,819,000 | 2,661 |
| Total interest expense | $5,179,000 | 3,062 |
| Net interest income | $7,640,000 | 2,345 |
| Provision for loan and lease losses | $520,000 | 2,133 |
| Total noninterest income | $1,335,000 | 2,728 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $412,000 | 3,305 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $923,000 | 2,170 |
| Total noninterest expense | $5,916,000 | 2,407 |
| Salaries and employee benefits | $2,768,000 | 2,696 |
| Premises and equipment expense | $279,000 | 5,753 |
| Additional noninterest expense | $2,869,000 | 1,618 |
| Pre-tax net operating income | $2,539,000 | 2,632 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $630,000 | 2,880 |
| Income before extraordinary items | $1,909,000 | 2,644 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,909,000 | 2,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $536,000 | 1,485 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,909,000 | 2,564 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,495,000 | 2,801 |
| Total interest expense | $5,442,000 | 3,072 |
| Net interest income | $7,053,000 | 2,526 |
| Provision for loan and lease losses | $880,000 | 1,180 |
| Total noninterest income | $837,000 | 3,554 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $385,000 | 3,344 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $452,000 | 3,105 |
| Total noninterest expense | $5,863,000 | 2,327 |
| Salaries and employee benefits | $2,664,000 | 2,669 |
| Premises and equipment expense | $707,000 | 2,858 |
| Additional noninterest expense | $2,492,000 | 1,780 |
| Pre-tax net operating income | $1,147,000 | 4,856 |
| Securities gains (losses) | $-154,000 | 9,523 |
| Applicable income taxes | $142,000 | 6,017 |
| Income before extraordinary items | $851,000 | 4,855 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $851,000 | 4,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 1,458 |
| Cash dividends | $3,505,000 | 839 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $983,440 | 4,431 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,454,000 | 2,822 |
| Total interest expense | $5,228,000 | 2,798 |
| Net interest income | $6,226,000 | 2,827 |
| Provision for loan and lease losses | $1,100,000 | 898 |
| Total noninterest income | $1,036,000 | 3,007 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $394,000 | 3,254 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $642,000 | 2,525 |
| Total noninterest expense | $5,251,000 | 2,574 |
| Salaries and employee benefits | $2,281,000 | 3,049 |
| Premises and equipment expense | $676,000 | 2,949 |
| Additional noninterest expense | $2,294,000 | 1,899 |
| Pre-tax net operating income | $911,000 | 5,580 |
| Securities gains (losses) | $-395,000 | 10,094 |
| Applicable income taxes | $-105,000 | 9,928 |
| Income before extraordinary items | $621,000 | 5,795 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $621,000 | 5,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $591,000 | 1,063 |
| Cash dividends | $925,000 | 2,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,016,000 | 4,357 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,186,000 | 2,886 |
| Total interest expense | $5,205,000 | 2,883 |
| Net interest income | $5,981,000 | 2,882 |
| Provision for loan and lease losses | $50,000 | 6,568 |
| Total noninterest income | $1,133,000 | 2,821 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $369,000 | 3,362 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $764,000 | 2,243 |
| Total noninterest expense | $4,953,000 | 2,643 |
| Salaries and employee benefits | $2,159,000 | 3,101 |
| Premises and equipment expense | $619,000 | 3,071 |
| Additional noninterest expense | $2,175,000 | 1,941 |
| Pre-tax net operating income | $2,111,000 | 3,203 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $446,000 | 4,146 |
| Income before extraordinary items | $1,665,000 | 2,984 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,665,000 | 2,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,094 |
| Cash dividends | $815,000 | 2,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,665,000 | 2,896 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,107,000 | 3,543 |
| Total interest expense | $4,109,000 | 3,575 |
| Net interest income | $4,998,000 | 3,492 |
| Provision for loan and lease losses | $105,000 | 5,052 |
| Total noninterest income | $906,000 | 3,294 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $312,000 | 3,953 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $594,000 | 2,495 |
| Total noninterest expense | $3,861,000 | 3,276 |
| Salaries and employee benefits | $1,804,000 | 3,629 |
| Premises and equipment expense | $496,000 | 3,732 |
| Additional noninterest expense | $1,561,000 | 2,632 |
| Pre-tax net operating income | $1,938,000 | 3,651 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $453,000 | 4,511 |
| Income before extraordinary items | $1,483,000 | 3,397 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,483,000 | 3,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,298 |
| Cash dividends | $568,000 | 3,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,484,540 | 3,321 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,019,000 | 3,609 |
| Total interest expense | $3,729,000 | 3,951 |
| Net interest income | $5,290,000 | 3,350 |
| Provision for loan and lease losses | $65,000 | 5,977 |
| Total noninterest income | $553,000 | 4,828 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $123,000 | 7,008 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $430,000 | 3,239 |
| Total noninterest expense | $3,605,000 | 3,683 |
| Salaries and employee benefits | $1,625,000 | 4,007 |
| Premises and equipment expense | $446,000 | 4,140 |
| Additional noninterest expense | $1,534,000 | 3,064 |
| Pre-tax net operating income | $2,173,000 | 3,190 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $552,000 | 3,825 |
| Income before extraordinary items | $1,621,000 | 2,970 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,621,000 | 2,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,977 |
| Cash dividends | $1,025,000 | 2,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,621,000 | 2,931 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,934,000 | 4,044 |
| Total interest expense | $3,405,000 | 4,262 |
| Net interest income | $4,529,000 | 3,880 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $466,000 | 5,436 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $196,000 | 5,753 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $270,000 | 4,269 |
| Total noninterest expense | $3,208,000 | 4,053 |
| Salaries and employee benefits | $1,491,000 | 4,302 |
| Premises and equipment expense | $411,000 | 4,429 |
| Additional noninterest expense | $1,306,000 | 3,477 |
| Pre-tax net operating income | $1,607,000 | 4,215 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $378,000 | 5,146 |
| Income before extraordinary items | $1,230,000 | 3,875 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,230,000 | 3,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $521,000 | 3,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,229,240 | 3,853 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,983,000 | 4,226 |
| Total interest expense | $2,790,000 | 4,223 |
| Net interest income | $4,193,000 | 4,195 |
| Provision for loan and lease losses | $141,000 | 3,743 |
| Total noninterest income | $423,000 | 5,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 5,349 |
| Total noninterest expense | $3,118,000 | 4,272 |
| Salaries and employee benefits | $1,394,000 | 4,590 |
| Premises and equipment expense | $384,000 | 4,745 |
| Additional noninterest expense | $1,340,000 | 3,676 |
| Pre-tax net operating income | $1,357,000 | 4,777 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $283,000 | 6,089 |
| Income before extraordinary items | $1,079,000 | 4,245 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,079,000 | 4,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,336 |
| Cash dividends | $440,000 | 3,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,075,050 | 4,313 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,245,000 | 4,183 |
| Total interest expense | $3,099,000 | 4,006 |
| Net interest income | $4,146,000 | 4,261 |
| Provision for loan and lease losses | $710,000 | 1,648 |
| Total noninterest income | $711,000 | 4,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $442,000 | 3,530 |
| Total noninterest expense | $2,886,000 | 4,669 |
| Salaries and employee benefits | $1,238,000 | 5,096 |
| Premises and equipment expense | $389,000 | 4,823 |
| Additional noninterest expense | $1,259,000 | 4,020 |
| Pre-tax net operating income | $1,261,000 | 4,993 |
| Securities gains (losses) | $29,000 | 4,143 |
| Applicable income taxes | $225,000 | 7,177 |
| Income before extraordinary items | $1,065,000 | 4,439 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,065,000 | 4,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 4,285 |
| Cash dividends | $427,000 | 3,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,040,930 | 4,307 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,144,000 | 4,229 |
| Total interest expense | $3,749,000 | 4,299 |
| Net interest income | $4,395,000 | 4,094 |
| Provision for loan and lease losses | $256,000 | 4,523 |
| Total noninterest income | $472,000 | 5,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $307,000 | 4,358 |
| Total noninterest expense | $3,044,000 | 4,472 |
| Salaries and employee benefits | $1,494,000 | 4,248 |
| Premises and equipment expense | $348,000 | 5,395 |
| Additional noninterest expense | $1,202,000 | 4,328 |
| Pre-tax net operating income | $1,567,000 | 3,884 |
| Securities gains (losses) | $62,000 | 3,771 |
| Applicable income taxes | $490,000 | 4,066 |
| Income before extraordinary items | $1,139,000 | 3,992 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,139,000 | 4,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 3,927 |
| Cash dividends | $432,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,095,600 | 3,833 |
* 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.