Home > United Bank and Trust Company > Income and Expense
United Bank and Trust Company, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,408,000 | 1,172 |
| Total interest expense | $3,160,000 | 1,605 |
| Net interest income | $10,248,000 | 1,016 |
| Provision for loan and lease losses | $255,000 | 1,746 |
| Total noninterest income | $2,160,000 | 1,198 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $756,000 | 1,137 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,404,000 | 1,050 |
| Total noninterest expense | $7,130,000 | 1,185 |
| Salaries and employee benefits | $3,821,000 | 1,194 |
| Premises and equipment expense | $709,000 | 1,693 |
| Additional noninterest expense | $2,600,000 | 977 |
| Pre-tax net operating income | $5,023,000 | 948 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,918,000 | 785 |
| Income before extraordinary items | $3,105,000 | 1,132 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,105,000 | 1,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,046 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 377 |
| Net operating income | $3,105,000 | 1,109 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,198,000 | 1,242 |
| Total interest expense | $1,276,000 | 1,858 |
| Net interest income | $4,922,000 | 1,062 |
| Provision for loan and lease losses | $128,000 | 1,656 |
| Total noninterest income | $1,163,000 | 1,116 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $389,000 | 1,074 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $774,000 | 976 |
| Total noninterest expense | $3,466,000 | 1,223 |
| Salaries and employee benefits | $1,951,000 | 1,174 |
| Premises and equipment expense | $362,000 | 1,671 |
| Additional noninterest expense | $1,153,000 | 1,076 |
| Pre-tax net operating income | $2,491,000 | 942 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $947,000 | 798 |
| Income before extraordinary items | $1,544,000 | 1,117 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,544,000 | 1,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 266 |
| Net operating income | $1,544,000 | 1,093 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $22,164,000 | 1,274 |
| Total interest expense | $3,610,000 | 2,239 |
| Net interest income | $18,554,000 | 1,079 |
| Provision for loan and lease losses | $-295,000 | 8,872 |
| Total noninterest income | $4,862,000 | 1,103 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,922,000 | 909 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,940,000 | 1,001 |
| Total noninterest expense | $20,565,000 | 784 |
| Salaries and employee benefits | $7,165,000 | 1,218 |
| Premises and equipment expense | $1,427,000 | 1,630 |
| Additional noninterest expense | $11,973,000 | 469 |
| Pre-tax net operating income | $3,146,000 | 2,484 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,177,000 | 1,928 |
| Income before extraordinary items | $1,969,000 | 2,959 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,969,000 | 2,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,462 |
| Cash dividends | $3,908,000 | 787 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 749 |
| Net operating income | $1,969,000 | 2,902 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,145,000 | 1,294 |
| Total interest expense | $2,505,000 | 2,360 |
| Net interest income | $13,640,000 | 1,083 |
| Provision for loan and lease losses | $410,000 | 1,734 |
| Total noninterest income | $3,361,000 | 1,192 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,449,000 | 901 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,912,000 | 1,121 |
| Total noninterest expense | $9,888,000 | 1,240 |
| Salaries and employee benefits | $5,842,000 | 1,098 |
| Premises and equipment expense | $1,065,000 | 1,640 |
| Additional noninterest expense | $2,981,000 | 1,232 |
| Pre-tax net operating income | $6,703,000 | 983 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,563,000 | 835 |
| Income before extraordinary items | $4,140,000 | 1,192 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,140,000 | 1,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,375 |
| Cash dividends | $2,136,000 | 918 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 627 |
| Net operating income | $4,140,000 | 1,153 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,439,000 | 1,326 |
| Total interest expense | $1,612,000 | 2,409 |
| Net interest income | $8,827,000 | 1,114 |
| Provision for loan and lease losses | $330,000 | 1,426 |
| Total noninterest income | $2,170,000 | 1,212 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $960,000 | 893 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,210,000 | 1,164 |
| Total noninterest expense | $6,617,000 | 1,225 |
| Salaries and employee benefits | $3,918,000 | 1,093 |
| Premises and equipment expense | $701,000 | 1,650 |
| Additional noninterest expense | $1,998,000 | 1,205 |
| Pre-tax net operating income | $4,050,000 | 1,072 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,546,000 | 900 |
| Income before extraordinary items | $2,504,000 | 1,296 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,504,000 | 1,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $1,386,000 | 964 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,504,000 | 1,254 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,215,000 | 1,332 |
| Total interest expense | $813,000 | 2,408 |
| Net interest income | $4,402,000 | 1,114 |
| Provision for loan and lease losses | $225,000 | 1,035 |
| Total noninterest income | $976,000 | 1,273 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $462,000 | 904 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $514,000 | 1,273 |
| Total noninterest expense | $3,379,000 | 1,201 |
| Salaries and employee benefits | $2,059,000 | 1,048 |
| Premises and equipment expense | $340,000 | 1,711 |
| Additional noninterest expense | $980,000 | 1,231 |
| Pre-tax net operating income | $1,774,000 | 1,185 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $669,000 | 1,021 |
| Income before extraordinary items | $1,105,000 | 1,451 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,105,000 | 1,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $125,000 | 2,644 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,105,000 | 1,377 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,011,000 | 1,682 |
| Total interest expense | $2,694,000 | 3,153 |
| Net interest income | $14,317,000 | 1,368 |
| Provision for loan and lease losses | $1,000,000 | 1,181 |
| Total noninterest income | $3,427,000 | 1,516 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,429,000 | 1,216 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,998,000 | 1,474 |
| Total noninterest expense | $9,590,000 | 1,669 |
| Salaries and employee benefits | $5,192,000 | 1,657 |
| Premises and equipment expense | $1,028,000 | 2,206 |
| Additional noninterest expense | $3,370,000 | 1,465 |
| Pre-tax net operating income | $7,154,000 | 1,169 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,737,000 | 990 |
| Income before extraordinary items | $4,417,000 | 1,422 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,417,000 | 1,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $926,000 | 980 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $281,000 | 552 |
| Net operating income | $4,417,000 | 1,362 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,899,000 | 1,822 |
| Total interest expense | $1,910,000 | 3,394 |
| Net interest income | $9,989,000 | 1,474 |
| Provision for loan and lease losses | $700,000 | 1,218 |
| Total noninterest income | $2,412,000 | 1,636 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $973,000 | 1,336 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,439,000 | 1,577 |
| Total noninterest expense | $6,828,000 | 1,754 |
| Salaries and employee benefits | $3,703,000 | 1,747 |
| Premises and equipment expense | $705,000 | 2,395 |
| Additional noninterest expense | $2,420,000 | 1,518 |
| Pre-tax net operating income | $4,873,000 | 1,325 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,875,000 | 1,114 |
| Income before extraordinary items | $2,998,000 | 1,608 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,998,000 | 1,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,780 |
| Cash dividends | $250,000 | 3,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,998,000 | 1,541 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,837,000 | 2,125 |
| Total interest expense | $1,132,000 | 3,856 |
| Net interest income | $5,705,000 | 1,708 |
| Provision for loan and lease losses | $400,000 | 1,388 |
| Total noninterest income | $1,377,000 | 1,838 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $539,000 | 1,578 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $838,000 | 1,724 |
| Total noninterest expense | $3,933,000 | 2,007 |
| Salaries and employee benefits | $2,121,000 | 2,007 |
| Premises and equipment expense | $425,000 | 2,616 |
| Additional noninterest expense | $1,387,000 | 1,733 |
| Pre-tax net operating income | $2,749,000 | 1,530 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,053,000 | 1,317 |
| Income before extraordinary items | $1,696,000 | 1,891 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,696,000 | 1,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,282 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,696,000 | 1,782 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,770,000 | 3,876 |
| Total interest expense | $386,000 | 5,139 |
| Net interest income | $1,384,000 | 3,392 |
| Provision for loan and lease losses | $100,000 | 2,353 |
| Total noninterest income | $506,000 | 2,264 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $135,000 | 2,807 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $371,000 | 1,831 |
| Total noninterest expense | $867,000 | 4,114 |
| Salaries and employee benefits | $539,000 | 3,664 |
| Premises and equipment expense | $94,000 | 4,897 |
| Additional noninterest expense | $234,000 | 4,436 |
| Pre-tax net operating income | $923,000 | 2,191 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $352,000 | 1,810 |
| Income before extraordinary items | $571,000 | 2,658 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $571,000 | 2,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,659 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $571,000 | 2,523 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,433,000 | 1,510 |
| Total interest expense | $5,400,000 | 2,078 |
| Net interest income | $15,033,000 | 1,284 |
| Provision for loan and lease losses | $1,500,000 | 941 |
| Total noninterest income | $4,310,000 | 1,184 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,516,000 | 1,061 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,794,000 | 1,045 |
| Total noninterest expense | $10,422,000 | 1,478 |
| Salaries and employee benefits | $6,431,000 | 1,259 |
| Premises and equipment expense | $1,309,000 | 1,675 |
| Additional noninterest expense | $2,682,000 | 1,746 |
| Pre-tax net operating income | $7,421,000 | 1,135 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,818,000 | 974 |
| Income before extraordinary items | $4,603,000 | 1,355 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,603,000 | 1,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $636,000 | 1,375 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,603,000 | 1,306 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $20,538,000 | 1,655 |
| Total interest expense | $7,894,000 | 2,041 |
| Net interest income | $12,644,000 | 1,406 |
| Provision for loan and lease losses | $880,000 | 1,382 |
| Total noninterest income | $2,988,000 | 1,481 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,291,000 | 1,143 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,697,000 | 1,397 |
| Total noninterest expense | $8,581,000 | 1,690 |
| Salaries and employee benefits | $4,896,000 | 1,540 |
| Premises and equipment expense | $1,138,000 | 1,881 |
| Additional noninterest expense | $2,547,000 | 1,797 |
| Pre-tax net operating income | $6,171,000 | 1,213 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,263,000 | 1,062 |
| Income before extraordinary items | $3,908,000 | 1,396 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,908,000 | 1,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,715 |
| Cash dividends | $1,224,000 | 1,939 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,908,000 | 1,337 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,973,000 | 1,835 |
| Total interest expense | $7,438,000 | 2,283 |
| Net interest income | $11,535,000 | 1,527 |
| Provision for loan and lease losses | $650,000 | 1,497 |
| Total noninterest income | $2,085,000 | 1,810 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,015,000 | 1,340 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,070,000 | 1,782 |
| Total noninterest expense | $7,585,000 | 1,836 |
| Salaries and employee benefits | $4,389,000 | 1,624 |
| Premises and equipment expense | $782,000 | 2,632 |
| Additional noninterest expense | $2,414,000 | 1,829 |
| Pre-tax net operating income | $5,385,000 | 1,374 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,913,000 | 1,206 |
| Income before extraordinary items | $3,472,000 | 1,518 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,472,000 | 1,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,192 |
| Cash dividends | $650,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,472,000 | 1,510 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,542,000 | 2,237 |
| Total interest expense | $5,264,000 | 2,779 |
| Net interest income | $9,278,000 | 1,892 |
| Provision for loan and lease losses | $785,000 | 1,206 |
| Total noninterest income | $2,038,000 | 1,831 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $797,000 | 1,667 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,241,000 | 1,593 |
| Total noninterest expense | $6,774,000 | 2,014 |
| Salaries and employee benefits | $3,544,000 | 1,981 |
| Premises and equipment expense | $742,000 | 2,732 |
| Additional noninterest expense | $2,488,000 | 1,782 |
| Pre-tax net operating income | $3,757,000 | 1,956 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,329,000 | 1,747 |
| Income before extraordinary items | $2,428,000 | 2,158 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,428,000 | 2,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,364 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,428,000 | 2,123 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,529,000 | 2,613 |
| Total interest expense | $5,065,000 | 2,965 |
| Net interest income | $7,464,000 | 2,291 |
| Provision for loan and lease losses | $752,000 | 1,235 |
| Total noninterest income | $1,599,000 | 2,159 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $707,000 | 1,806 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $892,000 | 2,020 |
| Total noninterest expense | $5,652,000 | 2,315 |
| Salaries and employee benefits | $3,165,000 | 2,139 |
| Premises and equipment expense | $855,000 | 2,282 |
| Additional noninterest expense | $1,632,000 | 2,567 |
| Pre-tax net operating income | $2,659,000 | 2,641 |
| Securities gains (losses) | $78,000 | 1,438 |
| Applicable income taxes | $970,000 | 2,363 |
| Income before extraordinary items | $1,767,000 | 2,830 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,767,000 | 2,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $415,000 | 1,465 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,716,300 | 2,823 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,755,000 | 3,020 |
| Total interest expense | $3,970,000 | 3,701 |
| Net interest income | $6,785,000 | 2,558 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $2,080,000 | 1,712 |
| Gross Fiduciary activities income | $697,000 | 562 |
| Service charges on deposit accounts | $675,000 | 1,934 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $708,000 | 2,202 |
| Total noninterest expense | $6,146,000 | 2,095 |
| Salaries and employee benefits | $3,298,000 | 1,992 |
| Premises and equipment expense | $870,000 | 2,262 |
| Additional noninterest expense | $1,978,000 | 2,112 |
| Pre-tax net operating income | $2,629,000 | 2,791 |
| Securities gains (losses) | $-255,000 | 10,845 |
| Applicable income taxes | $882,000 | 2,706 |
| Income before extraordinary items | $1,492,000 | 3,376 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,492,000 | 3,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,034 |
| Cash dividends | $600,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,655,200 | 3,007 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,563,000 | 3,417 |
| Total interest expense | $3,278,000 | 4,431 |
| Net interest income | $6,285,000 | 2,812 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $1,694,000 | 2,096 |
| Gross Fiduciary activities income | $338,000 | 826 |
| Service charges on deposit accounts | $556,000 | 2,447 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $800,000 | 2,102 |
| Total noninterest expense | $5,427,000 | 2,517 |
| Salaries and employee benefits | $3,004,000 | 2,219 |
| Premises and equipment expense | $705,000 | 2,775 |
| Additional noninterest expense | $1,718,000 | 2,791 |
| Pre-tax net operating income | $2,402,000 | 2,880 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $897,000 | 2,584 |
| Income before extraordinary items | $1,505,000 | 3,177 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,505,000 | 3,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,727 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,505,000 | 3,144 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,094,000 | 3,582 |
| Total interest expense | $3,117,000 | 4,585 |
| Net interest income | $5,977,000 | 2,981 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $1,255,000 | 2,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $577,000 | 2,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $678,000 | 2,342 |
| Total noninterest expense | $4,648,000 | 2,897 |
| Salaries and employee benefits | $2,489,000 | 2,682 |
| Premises and equipment expense | $544,000 | 3,491 |
| Additional noninterest expense | $1,615,000 | 2,888 |
| Pre-tax net operating income | $2,404,000 | 2,959 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $902,000 | 2,593 |
| Income before extraordinary items | $1,502,000 | 3,245 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,502,000 | 3,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,757 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $450,000 | 390 |
| Net operating income | $1,502,000 | 3,221 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,923,000 | 4,269 |
| Total interest expense | $2,006,000 | 5,601 |
| Net interest income | $4,917,000 | 3,618 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $1,336,000 | 2,515 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $601,000 | 2,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $735,000 | 2,257 |
| Total noninterest expense | $3,906,000 | 3,499 |
| Salaries and employee benefits | $2,021,000 | 3,250 |
| Premises and equipment expense | $438,000 | 4,256 |
| Additional noninterest expense | $1,447,000 | 3,427 |
| Pre-tax net operating income | $2,207,000 | 3,173 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $809,000 | 2,736 |
| Income before extraordinary items | $1,398,000 | 3,378 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,398,000 | 3,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-320,000 | 12,485 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,398,000 | 3,399 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,650,000 | 5,213 |
| Total interest expense | $1,862,000 | 6,173 |
| Net interest income | $3,788,000 | 4,627 |
| Provision for loan and lease losses | $365,000 | 2,613 |
| Total noninterest income | $1,160,000 | 2,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $511,000 | 2,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $649,000 | 2,736 |
| Total noninterest expense | $3,336,000 | 4,095 |
| Salaries and employee benefits | $1,409,000 | 4,522 |
| Premises and equipment expense | $385,000 | 4,866 |
| Additional noninterest expense | $1,542,000 | 3,426 |
| Pre-tax net operating income | $1,247,000 | 5,044 |
| Securities gains (losses) | $32,000 | 4,013 |
| Applicable income taxes | $490,000 | 4,263 |
| Income before extraordinary items | $789,000 | 5,622 |
| Extraordinary gains, net | $12,000 | 2,892 |
| Net income | $801,000 | 5,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,698 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $768,520 | 5,493 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,495,000 | 5,900 |
| Total interest expense | $2,227,000 | 6,566 |
| Net interest income | $3,268,000 | 5,310 |
| Provision for loan and lease losses | $707,000 | 2,355 |
| Total noninterest income | $648,000 | 4,688 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 5,159 |
| Total noninterest expense | $2,724,000 | 4,932 |
| Salaries and employee benefits | $1,173,000 | 5,265 |
| Premises and equipment expense | $357,000 | 5,287 |
| Additional noninterest expense | $1,194,000 | 4,357 |
| Pre-tax net operating income | $485,000 | 8,518 |
| Securities gains (losses) | $94,000 | 3,106 |
| Applicable income taxes | $225,000 | 7,091 |
| Income before extraordinary items | $354,000 | 8,679 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $354,000 | 8,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $834,000 | 1,761 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $293,840 | 9,019 |
* 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.