Home > United Bank and Trust Company > Income and Expense
United Bank and Trust Company, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $409,000 | 7,529 |
| Total interest expense | $96,000 | 7,676 |
| Net interest income | $313,000 | 7,304 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $46,000 | 6,486 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $17,000 | 6,257 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $29,000 | 5,665 |
| Total noninterest expense | $577,000 | 5,909 |
| Salaries and employee benefits | $234,000 | 6,535 |
| Premises and equipment expense | $110,000 | 4,855 |
| Additional noninterest expense | $233,000 | 5,147 |
| Pre-tax net operating income | $-218,000 | 6,920 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-218,000 | 7,066 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-218,000 | 7,067 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-218,000 | 7,067 |
| Net charge-offs | $13,000 | 4,614 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-218,000 | 6,997 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,629,000 | 7,596 |
| Total interest expense | $358,000 | 7,903 |
| Net interest income | $1,271,000 | 7,275 |
| Provision for loan and lease losses | $50,000 | 6,569 |
| Total noninterest income | $805,000 | 3,861 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 6,172 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $723,000 | 2,600 |
| Total noninterest expense | $2,236,000 | 5,932 |
| Salaries and employee benefits | $945,000 | 6,539 |
| Premises and equipment expense | $424,000 | 4,930 |
| Additional noninterest expense | $867,000 | 5,252 |
| Pre-tax net operating income | $-210,000 | 6,559 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,000 | 6,719 |
| Income before extraordinary items | $-209,000 | 6,484 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-209,000 | 6,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 5,054 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-209,000 | 6,633 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,223,000 | 7,680 |
| Total interest expense | $261,000 | 8,019 |
| Net interest income | $962,000 | 7,327 |
| Provision for loan and lease losses | $50,000 | 5,872 |
| Total noninterest income | $646,000 | 3,811 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $61,000 | 6,207 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $585,000 | 2,564 |
| Total noninterest expense | $1,647,000 | 5,978 |
| Salaries and employee benefits | $705,000 | 6,590 |
| Premises and equipment expense | $328,000 | 4,857 |
| Additional noninterest expense | $614,000 | 5,360 |
| Pre-tax net operating income | $-89,000 | 6,892 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,000 | 7,236 |
| Income before extraordinary items | $-88,000 | 6,762 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-88,000 | 6,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,168 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-88,000 | 6,934 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $825,000 | 7,727 |
| Total interest expense | $169,000 | 8,119 |
| Net interest income | $656,000 | 7,324 |
| Provision for loan and lease losses | $50,000 | 5,164 |
| Total noninterest income | $266,000 | 4,860 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $39,000 | 6,277 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $227,000 | 3,516 |
| Total noninterest expense | $1,116,000 | 5,983 |
| Salaries and employee benefits | $478,000 | 6,593 |
| Premises and equipment expense | $215,000 | 4,931 |
| Additional noninterest expense | $423,000 | 5,249 |
| Pre-tax net operating income | $-244,000 | 7,371 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-1,000 | 7,539 |
| Income before extraordinary items | $-243,000 | 7,462 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-243,000 | 7,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,654 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-243,000 | 7,443 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $408,000 | 7,820 |
| Total interest expense | $83,000 | 8,186 |
| Net interest income | $325,000 | 7,383 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $172,000 | 4,289 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $17,000 | 6,420 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $155,000 | 2,981 |
| Total noninterest expense | $559,000 | 6,006 |
| Salaries and employee benefits | $236,000 | 6,647 |
| Premises and equipment expense | $116,000 | 4,734 |
| Additional noninterest expense | $207,000 | 5,273 |
| Pre-tax net operating income | $-62,000 | 7,447 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-62,000 | 7,550 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-62,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,915 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-62,000 | 7,491 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,563,000 | 7,866 |
| Total interest expense | $335,000 | 8,177 |
| Net interest income | $1,228,000 | 7,458 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $698,000 | 4,306 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $62,000 | 6,569 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $636,000 | 2,913 |
| Total noninterest expense | $2,373,000 | 5,759 |
| Salaries and employee benefits | $872,000 | 6,786 |
| Premises and equipment expense | $412,000 | 4,932 |
| Additional noninterest expense | $1,089,000 | 4,364 |
| Pre-tax net operating income | $-447,000 | 7,783 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-2,000 | 7,716 |
| Income before extraordinary items | $-445,000 | 7,854 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-445,000 | 7,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,054 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $852,000 | 457 |
| Net operating income | $-445,000 | 7,843 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,150,000 | 7,936 |
| Total interest expense | $233,000 | 8,251 |
| Net interest income | $917,000 | 7,516 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $628,000 | 3,927 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $41,000 | 6,701 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $587,000 | 2,596 |
| Total noninterest expense | $1,629,000 | 5,967 |
| Salaries and employee benefits | $644,000 | 6,778 |
| Premises and equipment expense | $326,000 | 4,762 |
| Additional noninterest expense | $659,000 | 4,980 |
| Pre-tax net operating income | $-84,000 | 7,786 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-1,000 | 7,964 |
| Income before extraordinary items | $-83,000 | 7,831 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-83,000 | 7,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,346 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $827,000 | 337 |
| Net operating income | $-83,000 | 7,816 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $746,000 | 8,019 |
| Total interest expense | $141,000 | 8,337 |
| Net interest income | $605,000 | 7,589 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $289,000 | 4,756 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $26,000 | 6,785 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $263,000 | 3,245 |
| Total noninterest expense | $891,000 | 6,543 |
| Salaries and employee benefits | $387,000 | 7,069 |
| Premises and equipment expense | $201,000 | 5,023 |
| Additional noninterest expense | $303,000 | 6,091 |
| Pre-tax net operating income | $3,000 | 7,756 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-1,000 | 8,062 |
| Income before extraordinary items | $4,000 | 7,774 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,000 | 7,773 |
| 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 | $202,000 | 443 |
| Net operating income | $4,000 | 7,757 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $355,000 | 8,103 |
| Total interest expense | $59,000 | 8,420 |
| Net interest income | $296,000 | 7,662 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $120,000 | 5,130 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $12,000 | 6,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $108,000 | 3,619 |
| Total noninterest expense | $411,000 | 6,767 |
| Salaries and employee benefits | $182,000 | 7,235 |
| Premises and equipment expense | $91,000 | 5,339 |
| Additional noninterest expense | $138,000 | 6,346 |
| Pre-tax net operating income | $5,000 | 7,794 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $5,000 | 7,807 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $5,000 | 7,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,895 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 482 |
| Net operating income | $5,000 | 7,787 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,477,000 | 7,955 |
| Total interest expense | $207,000 | 8,409 |
| Net interest income | $1,270,000 | 7,487 |
| Provision for loan and lease losses | $53,000 | 5,531 |
| Total noninterest income | $614,000 | 4,678 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $56,000 | 6,795 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $558,000 | 3,148 |
| Total noninterest expense | $2,457,000 | 5,543 |
| Salaries and employee benefits | $715,000 | 7,227 |
| Premises and equipment expense | $353,000 | 5,299 |
| Additional noninterest expense | $1,389,000 | 3,506 |
| Pre-tax net operating income | $-626,000 | 8,313 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-2,000 | 8,148 |
| Income before extraordinary items | $-624,000 | 8,342 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-624,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,018 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 781 |
| Net operating income | $-624,000 | 8,338 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,143,000 | 7,973 |
| Total interest expense | $159,000 | 8,459 |
| Net interest income | $984,000 | 7,494 |
| Provision for loan and lease losses | $33,000 | 5,584 |
| Total noninterest income | $326,000 | 5,474 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $41,000 | 6,910 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $285,000 | 3,827 |
| Total noninterest expense | $1,262,000 | 6,628 |
| Salaries and employee benefits | $513,000 | 7,316 |
| Premises and equipment expense | $248,000 | 5,505 |
| Additional noninterest expense | $501,000 | 5,769 |
| Pre-tax net operating income | $15,000 | 8,063 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-1,000 | 8,369 |
| Income before extraordinary items | $16,000 | 8,081 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $16,000 | 8,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 1,430 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 994 |
| Net operating income | $16,000 | 8,069 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $780,000 | 7,959 |
| Total interest expense | $119,000 | 8,461 |
| Net interest income | $661,000 | 7,538 |
| Provision for loan and lease losses | $33,000 | 4,938 |
| Total noninterest income | $221,000 | 5,416 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $26,000 | 6,978 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $195,000 | 3,797 |
| Total noninterest expense | $818,000 | 6,712 |
| Salaries and employee benefits | $324,000 | 7,478 |
| Premises and equipment expense | $174,000 | 5,339 |
| Additional noninterest expense | $320,000 | 5,875 |
| Pre-tax net operating income | $31,000 | 8,041 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-1,000 | 8,427 |
| Income before extraordinary items | $32,000 | 8,020 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $32,000 | 8,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 940 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 834 |
| Net operating income | $32,000 | 8,018 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $431,000 | 7,839 |
| Total interest expense | $70,000 | 8,389 |
| Net interest income | $361,000 | 7,388 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $121,000 | 5,193 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $13,000 | 6,977 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $108,000 | 3,577 |
| Total noninterest expense | $407,000 | 6,737 |
| Salaries and employee benefits | $156,000 | 7,567 |
| Premises and equipment expense | $95,000 | 5,109 |
| Additional noninterest expense | $156,000 | 5,942 |
| Pre-tax net operating income | $75,000 | 7,374 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $75,000 | 7,115 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $75,000 | 7,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,725 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 597 |
| Net operating income | $75,000 | 7,120 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,597,000 | 7,802 |
| Total interest expense | $247,000 | 8,328 |
| Net interest income | $1,350,000 | 7,497 |
| Provision for loan and lease losses | $287,000 | 2,934 |
| Total noninterest income | $599,000 | 4,788 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $112,000 | 6,110 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $487,000 | 3,423 |
| Total noninterest expense | $1,666,000 | 6,615 |
| Salaries and employee benefits | $637,000 | 7,491 |
| Premises and equipment expense | $340,000 | 5,373 |
| Additional noninterest expense | $689,000 | 5,629 |
| Pre-tax net operating income | $-4,000 | 8,264 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-2,000 | 8,409 |
| Income before extraordinary items | $-2,000 | 8,285 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-2,000 | 8,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,083 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 925 |
| Net operating income | $-2,000 | 8,259 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,185,000 | 7,838 |
| Total interest expense | $171,000 | 8,376 |
| Net interest income | $1,014,000 | 7,537 |
| Provision for loan and lease losses | $116,000 | 3,949 |
| Total noninterest income | $314,000 | 5,671 |
| 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 | $218,000 | 4,415 |
| Total noninterest expense | $1,267,000 | 6,584 |
| Salaries and employee benefits | $503,000 | 7,351 |
| Premises and equipment expense | $269,000 | 5,188 |
| Additional noninterest expense | $495,000 | 5,732 |
| Pre-tax net operating income | $-55,000 | 8,390 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-2,000 | 8,548 |
| Income before extraordinary items | $-53,000 | 8,415 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-53,000 | 8,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,263 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-53,000 | 8,386 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $800,000 | 7,816 |
| Total interest expense | $117,000 | 8,357 |
| Net interest income | $683,000 | 7,527 |
| Provision for loan and lease losses | $116,000 | 3,158 |
| Total noninterest income | $239,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $68,000 | 5,783 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $171,000 | 4,041 |
| Total noninterest expense | $877,000 | 6,477 |
| Salaries and employee benefits | $343,000 | 7,306 |
| Premises and equipment expense | $208,000 | 4,682 |
| Additional noninterest expense | $326,000 | 5,756 |
| Pre-tax net operating income | $-71,000 | 8,451 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-1,000 | 8,563 |
| Income before extraordinary items | $-70,000 | 8,488 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-70,000 | 8,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 1,692 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-70,000 | 8,460 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $385,000 | 7,915 |
| Total interest expense | $65,000 | 8,326 |
| Net interest income | $320,000 | 7,713 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $107,000 | 5,534 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $34,000 | 5,761 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $73,000 | 4,368 |
| Total noninterest expense | $413,000 | 6,697 |
| Salaries and employee benefits | $153,000 | 7,619 |
| Premises and equipment expense | $107,000 | 4,643 |
| Additional noninterest expense | $153,000 | 5,937 |
| Pre-tax net operating income | $14,000 | 8,312 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-1,000 | 8,627 |
| Income before extraordinary items | $15,000 | 8,293 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $15,000 | 8,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $15,000 | 8,265 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,560,000 | 7,824 |
| Total interest expense | $304,000 | 8,083 |
| Net interest income | $1,256,000 | 7,683 |
| Provision for loan and lease losses | $67,000 | 5,546 |
| Total noninterest income | $1,010,000 | 3,510 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $157,000 | 5,693 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $853,000 | 2,382 |
| Total noninterest expense | $1,842,000 | 6,296 |
| Salaries and employee benefits | $626,000 | 7,561 |
| Premises and equipment expense | $362,000 | 5,091 |
| Additional noninterest expense | $854,000 | 4,875 |
| Pre-tax net operating income | $357,000 | 7,253 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-2,000 | 8,531 |
| Income before extraordinary items | $359,000 | 6,975 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $359,000 | 6,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,012 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 850 |
| Net operating income | $359,000 | 6,918 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,175,000 | 7,842 |
| Total interest expense | $237,000 | 8,050 |
| Net interest income | $938,000 | 7,712 |
| Provision for loan and lease losses | $70,000 | 4,912 |
| Total noninterest income | $379,000 | 5,270 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $115,000 | 5,785 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $264,000 | 3,968 |
| Total noninterest expense | $1,321,000 | 6,398 |
| Salaries and employee benefits | $468,000 | 7,520 |
| Premises and equipment expense | $268,000 | 5,108 |
| Additional noninterest expense | $585,000 | 5,122 |
| Pre-tax net operating income | $-74,000 | 8,577 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-2,000 | 8,670 |
| Income before extraordinary items | $-72,000 | 8,599 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-72,000 | 8,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,138 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-72,000 | 8,572 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $806,000 | 7,855 |
| Total interest expense | $167,000 | 8,048 |
| Net interest income | $639,000 | 7,694 |
| Provision for loan and lease losses | $70,000 | 4,107 |
| Total noninterest income | $273,000 | 5,042 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $75,000 | 5,834 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $198,000 | 3,753 |
| Total noninterest expense | $894,000 | 6,380 |
| Salaries and employee benefits | $311,000 | 7,577 |
| Premises and equipment expense | $172,000 | 5,274 |
| Additional noninterest expense | $411,000 | 4,972 |
| Pre-tax net operating income | $-52,000 | 8,631 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-1,000 | 8,710 |
| Income before extraordinary items | $-51,000 | 8,665 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-51,000 | 8,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,904 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-51,000 | 8,634 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $383,000 | 7,976 |
| Total interest expense | $90,000 | 7,997 |
| Net interest income | $293,000 | 7,893 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $145,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $34,000 | 5,974 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $111,000 | 3,491 |
| Total noninterest expense | $423,000 | 6,599 |
| Salaries and employee benefits | $156,000 | 7,599 |
| Premises and equipment expense | $83,000 | 5,402 |
| Additional noninterest expense | $184,000 | 5,360 |
| Pre-tax net operating income | $9,000 | 8,446 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-1,000 | 8,788 |
| Income before extraordinary items | $10,000 | 8,469 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $10,000 | 8,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,260 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $10,000 | 8,405 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,968,000 | 7,572 |
| Total interest expense | $534,000 | 7,624 |
| Net interest income | $1,434,000 | 7,460 |
| Provision for loan and lease losses | $334,000 | 2,942 |
| Total noninterest income | $518,000 | 5,340 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $176,000 | 5,539 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $342,000 | 4,256 |
| Total noninterest expense | $2,163,000 | 5,735 |
| Salaries and employee benefits | $707,000 | 7,277 |
| Premises and equipment expense | $471,000 | 4,243 |
| Additional noninterest expense | $985,000 | 4,335 |
| Pre-tax net operating income | $-545,000 | 8,839 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $130,000 | 5,447 |
| Income before extraordinary items | $-675,000 | 8,961 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-675,000 | 8,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,837 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 599 |
| Net operating income | $-675,000 | 8,906 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 7,595 |
| Total interest expense | $420,000 | 7,685 |
| Net interest income | $1,101,000 | 7,464 |
| Provision for loan and lease losses | $112,000 | 4,473 |
| Total noninterest income | $393,000 | 5,361 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $131,000 | 5,584 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $262,000 | 4,290 |
| Total noninterest expense | $1,569,000 | 5,831 |
| Salaries and employee benefits | $545,000 | 7,152 |
| Premises and equipment expense | $366,000 | 4,134 |
| Additional noninterest expense | $658,000 | 4,688 |
| Pre-tax net operating income | $-187,000 | 8,812 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-2,000 | 8,861 |
| Income before extraordinary items | $-185,000 | 8,892 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-185,000 | 8,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,633 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 709 |
| Net operating income | $-185,000 | 8,823 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 7,585 |
| Total interest expense | $294,000 | 7,712 |
| Net interest income | $755,000 | 7,421 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $252,000 | 5,442 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $93,000 | 5,436 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $159,000 | 4,470 |
| Total noninterest expense | $1,096,000 | 5,663 |
| Salaries and employee benefits | $387,000 | 7,021 |
| Premises and equipment expense | $267,000 | 3,838 |
| Additional noninterest expense | $442,000 | 4,655 |
| Pre-tax net operating income | $-149,000 | 8,880 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-1,000 | 8,923 |
| Income before extraordinary items | $-148,000 | 8,963 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-148,000 | 8,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,411 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 579 |
| Net operating income | $-148,000 | 8,886 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $541,000 | 7,558 |
| Total interest expense | $161,000 | 7,609 |
| Net interest income | $380,000 | 7,409 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $135,000 | 5,152 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 5,576 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $93,000 | 4,068 |
| Total noninterest expense | $539,000 | 5,716 |
| Salaries and employee benefits | $180,000 | 7,236 |
| Premises and equipment expense | $132,000 | 3,884 |
| Additional noninterest expense | $227,000 | 4,542 |
| Pre-tax net operating income | $-84,000 | 8,950 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-1,000 | 8,975 |
| Income before extraordinary items | $-83,000 | 9,011 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-83,000 | 9,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,956 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-83,000 | 8,932 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,266,000 | 7,574 |
| Total interest expense | $674,000 | 7,885 |
| Net interest income | $1,592,000 | 7,284 |
| Provision for loan and lease losses | $124,000 | 5,290 |
| Total noninterest income | $425,000 | 5,626 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $191,000 | 5,304 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $234,000 | 4,713 |
| Total noninterest expense | $2,073,000 | 5,760 |
| Salaries and employee benefits | $754,000 | 7,057 |
| Premises and equipment expense | $494,000 | 3,965 |
| Additional noninterest expense | $825,000 | 4,827 |
| Pre-tax net operating income | $-180,000 | 8,823 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-4,000 | 8,814 |
| Income before extraordinary items | $-176,000 | 8,889 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-176,000 | 8,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,372 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-176,000 | 8,835 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,242,000 | 7,998 |
| Total interest expense | $730,000 | 8,573 |
| Net interest income | $1,511,000 | 7,309 |
| Provision for loan and lease losses | $74,000 | 6,121 |
| Total noninterest income | $320,000 | 6,243 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $138,000 | 5,971 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $182,000 | 5,143 |
| Total noninterest expense | $1,648,000 | 6,455 |
| Salaries and employee benefits | $634,000 | 7,509 |
| Premises and equipment expense | $234,000 | 6,299 |
| Additional noninterest expense | $780,000 | 4,869 |
| Pre-tax net operating income | $109,000 | 8,290 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-50,000 | 9,159 |
| Income before extraordinary items | $159,000 | 7,972 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $159,000 | 7,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,658 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 742 |
| Net operating income | $159,000 | 7,858 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,218,000 | 8,208 |
| Total interest expense | $663,000 | 8,931 |
| Net interest income | $1,555,000 | 7,368 |
| Provision for loan and lease losses | $51,000 | 6,491 |
| Total noninterest income | $169,000 | 7,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 5,749 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,043 |
| Total noninterest expense | $1,524,000 | 6,694 |
| Salaries and employee benefits | $574,000 | 7,842 |
| Premises and equipment expense | $245,000 | 6,127 |
| Additional noninterest expense | $705,000 | 5,152 |
| Pre-tax net operating income | $149,000 | 8,597 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-44,000 | 9,467 |
| Income before extraordinary items | $193,000 | 8,109 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $193,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,591 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 888 |
| Net operating income | $193,000 | 8,109 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,052,000 | 8,436 |
| Total interest expense | $740,000 | 8,848 |
| Net interest income | $1,312,000 | 7,961 |
| Provision for loan and lease losses | $82,000 | 5,624 |
| Total noninterest income | $246,000 | 6,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 5,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,121 |
| Total noninterest expense | $1,389,000 | 7,066 |
| Salaries and employee benefits | $508,000 | 8,302 |
| Premises and equipment expense | $190,000 | 6,970 |
| Additional noninterest expense | $691,000 | 5,283 |
| Pre-tax net operating income | $87,000 | 9,118 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $87,000 | 9,051 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $87,000 | 9,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,249 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $764,000 | 551 |
| Net operating income | $87,000 | 9,019 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,307,000 | 8,303 |
| Total interest expense | $975,000 | 8,484 |
| Net interest income | $1,332,000 | 8,045 |
| Provision for loan and lease losses | $279,000 | 2,790 |
| Total noninterest income | $201,000 | 7,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 5,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,260 |
| Total noninterest expense | $1,509,000 | 6,662 |
| Salaries and employee benefits | $566,000 | 7,950 |
| Premises and equipment expense | $104,000 | 8,619 |
| Additional noninterest expense | $839,000 | 4,525 |
| Pre-tax net operating income | $-255,000 | 10,035 |
| Securities gains (losses) | $-4,000 | 10,023 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-259,000 | 10,086 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-259,000 | 10,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $578,000 | 1,121 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $253,000 | 649 |
| Net operating income | $-255,000 | 10,052 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,667,000 | 8,174 |
| Total interest expense | $1,225,000 | 8,048 |
| Net interest income | $1,442,000 | 8,115 |
| Provision for loan and lease losses | $1,391,000 | 774 |
| Total noninterest income | $393,000 | 5,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 7,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $288,000 | 4,024 |
| Total noninterest expense | $1,892,000 | 5,867 |
| Salaries and employee benefits | $692,000 | 7,364 |
| Premises and equipment expense | $204,000 | 6,772 |
| Additional noninterest expense | $996,000 | 3,924 |
| Pre-tax net operating income | $-1,448,000 | 10,882 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $-172,000 | 10,776 |
| Income before extraordinary items | $-1,281,000 | 10,868 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-1,281,000 | 10,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,030,000 | 791 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 869 |
| Net operating income | $-1,276,600 | 10,855 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,403,000 | 7,505 |
| Total interest expense | $1,208,000 | 8,356 |
| Net interest income | $2,195,000 | 6,782 |
| Provision for loan and lease losses | $832,000 | 1,172 |
| Total noninterest income | $204,000 | 8,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 7,295 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,318 |
| Total noninterest expense | $1,911,000 | 6,137 |
| Salaries and employee benefits | $802,000 | 6,974 |
| Premises and equipment expense | $289,000 | 5,733 |
| Additional noninterest expense | $820,000 | 5,117 |
| Pre-tax net operating income | $-344,000 | 11,163 |
| Securities gains (losses) | $-14,000 | 10,446 |
| Applicable income taxes | $-117,000 | 11,195 |
| Income before extraordinary items | $-241,000 | 11,138 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-241,000 | 11,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $764,000 | 1,049 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 753 |
| Net operating income | $-231,620 | 11,091 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,999,000 | 8,205 |
| Total interest expense | $984,000 | 9,314 |
| Net interest income | $2,014,000 | 7,272 |
| Provision for loan and lease losses | $84,000 | 4,983 |
| Total noninterest income | $399,000 | 5,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $292,000 | 4,063 |
| Total noninterest expense | $1,849,000 | 6,354 |
| Salaries and employee benefits | $883,000 | 6,641 |
| Premises and equipment expense | $320,000 | 5,351 |
| Additional noninterest expense | $646,000 | 6,226 |
| Pre-tax net operating income | $481,000 | 8,547 |
| Securities gains (losses) | $-83,000 | 11,405 |
| Applicable income taxes | $135,000 | 8,529 |
| Income before extraordinary items | $263,000 | 9,295 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $263,000 | 9,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,482 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $-246,000 | 10,488 |
| Net operating income | $317,780 | 8,727 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,765,000 | 8,439 |
| Total interest expense | $874,000 | 9,244 |
| Net interest income | $1,891,000 | 7,828 |
| Provision for loan and lease losses | $37,000 | 6,726 |
| Total noninterest income | $201,000 | 8,719 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $1,710,000 | 6,952 |
| Salaries and employee benefits | $717,000 | 7,756 |
| Premises and equipment expense | $312,000 | 5,537 |
| Additional noninterest expense | $681,000 | 6,462 |
| Pre-tax net operating income | $345,000 | 9,768 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $106,000 | 9,219 |
| Income before extraordinary items | $239,000 | 9,820 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $239,000 | 9,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,957 |
| Cash dividends | $10,000 | 8,760 |
| Sale, conversion, retirement of capital stock, net | $-35,000 | 12,482 |
| Net operating income | $239,000 | 9,890 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,882,000 | 8,530 |
| Total interest expense | $962,000 | 9,279 |
| Net interest income | $1,920,000 | 7,915 |
| Provision for loan and lease losses | $232,000 | 3,600 |
| Total noninterest income | $256,000 | 8,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,905 |
| Total noninterest expense | $1,849,000 | 6,761 |
| Salaries and employee benefits | $823,000 | 7,180 |
| Premises and equipment expense | $315,000 | 5,622 |
| Additional noninterest expense | $711,000 | 6,481 |
| Pre-tax net operating income | $95,000 | 11,901 |
| Securities gains (losses) | $95,000 | 2,571 |
| Applicable income taxes | $51,000 | 10,921 |
| Income before extraordinary items | $139,000 | 11,348 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $139,000 | 11,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 3,386 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $69,650 | 11,936 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,089,000 | 8,819 |
| Total interest expense | $1,168,000 | 9,725 |
| Net interest income | $1,921,000 | 7,971 |
| Provision for loan and lease losses | $299,000 | 4,181 |
| Total noninterest income | $107,000 | 11,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 8,491 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 13,603 |
| Total noninterest expense | $1,512,000 | 7,869 |
| Salaries and employee benefits | $619,000 | 8,652 |
| Premises and equipment expense | $270,000 | 6,436 |
| Additional noninterest expense | $623,000 | 7,315 |
| Pre-tax net operating income | $217,000 | 10,906 |
| Securities gains (losses) | $11,000 | 6,349 |
| Applicable income taxes | $120,000 | 9,356 |
| Income before extraordinary items | $108,000 | 11,837 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $108,000 | 11,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 6,489 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $100,960 | 11,642 |
* 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.