Home > United Bank & Trust Company > Income and Expense
United Bank & Trust Company, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $645,000 | 7,957 |
| Total interest expense | $421,000 | 7,281 |
| Net interest income | $224,000 | 8,266 |
| Provision for loan and lease losses | $-29,000 | 8,356 |
| Total noninterest income | $24,000 | 7,963 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $85,000 | 5,148 |
| Trading account gains and fees | $14,000 | 122 |
| Additional Noninterest Income | $-75,000 | 8,373 |
| Total noninterest expense | $453,000 | 7,753 |
| Salaries and employee benefits | $169,000 | 8,112 |
| Premises and equipment expense | $27,000 | 8,131 |
| Additional noninterest expense | $257,000 | 6,584 |
| Pre-tax net operating income | $-176,000 | 7,299 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-56,000 | 7,770 |
| Income before extraordinary items | $-120,000 | 7,281 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-120,000 | 7,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,182 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-120,000 | 7,255 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,564,000 | 5,037 |
| Total interest expense | $1,016,000 | 3,869 |
| Net interest income | $548,000 | 6,309 |
| Provision for loan and lease losses | $1,021,000 | 611 |
| Total noninterest income | $140,000 | 4,763 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $116,000 | 3,123 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $24,000 | 6,230 |
| Total noninterest expense | $745,000 | 5,159 |
| Salaries and employee benefits | $340,000 | 5,730 |
| Premises and equipment expense | $91,000 | 5,433 |
| Additional noninterest expense | $314,000 | 3,986 |
| Pre-tax net operating income | $-1,078,000 | 8,285 |
| Securities gains (losses) | $10,000 | 1,965 |
| Applicable income taxes | $-420,000 | 8,345 |
| Income before extraordinary items | $-648,000 | 8,215 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-648,000 | 8,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,966 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-654,400 | 8,205 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,640,000 | 4,148 |
| Total interest expense | $4,362,000 | 3,796 |
| Net interest income | $4,278,000 | 4,436 |
| Provision for loan and lease losses | $749,000 | 1,761 |
| Total noninterest income | $397,000 | 5,511 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $479,000 | 3,138 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-82,000 | 8,495 |
| Total noninterest expense | $3,299,000 | 4,710 |
| Salaries and employee benefits | $1,677,000 | 4,968 |
| Premises and equipment expense | $385,000 | 5,143 |
| Additional noninterest expense | $1,237,000 | 3,992 |
| Pre-tax net operating income | $627,000 | 5,620 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $149,000 | 4,142 |
| Income before extraordinary items | $478,000 | 5,756 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $478,000 | 5,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,811 |
| Cash dividends | $81,000 | 5,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $478,000 | 5,744 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,536,000 | 4,146 |
| Total interest expense | $3,270,000 | 3,798 |
| Net interest income | $3,266,000 | 4,400 |
| Provision for loan and lease losses | $209,000 | 2,938 |
| Total noninterest income | $307,000 | 5,484 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $350,000 | 3,181 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-43,000 | 8,525 |
| Total noninterest expense | $2,518,000 | 4,637 |
| Salaries and employee benefits | $1,304,000 | 4,838 |
| Premises and equipment expense | $288,000 | 5,124 |
| Additional noninterest expense | $926,000 | 3,930 |
| Pre-tax net operating income | $846,000 | 4,722 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $291,000 | 3,244 |
| Income before extraordinary items | $555,000 | 5,182 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $555,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,856 |
| Cash dividends | $81,000 | 4,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $555,000 | 5,164 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,320,000 | 4,188 |
| Total interest expense | $2,115,000 | 3,889 |
| Net interest income | $2,205,000 | 4,403 |
| Provision for loan and lease losses | $179,000 | 2,369 |
| Total noninterest income | $258,000 | 5,012 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $225,000 | 3,253 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $33,000 | 6,866 |
| Total noninterest expense | $1,694,000 | 4,624 |
| Salaries and employee benefits | $889,000 | 4,800 |
| Premises and equipment expense | $187,000 | 5,229 |
| Additional noninterest expense | $618,000 | 3,937 |
| Pre-tax net operating income | $590,000 | 4,698 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $205,000 | 3,229 |
| Income before extraordinary items | $385,000 | 5,153 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $385,000 | 5,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,576 |
| Cash dividends | $81,000 | 4,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $385,000 | 5,142 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,126,000 | 4,219 |
| Total interest expense | $1,003,000 | 4,005 |
| Net interest income | $1,123,000 | 4,350 |
| Provision for loan and lease losses | $90,000 | 2,153 |
| Total noninterest income | $126,000 | 5,013 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $103,000 | 3,387 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $23,000 | 6,395 |
| Total noninterest expense | $840,000 | 4,655 |
| Salaries and employee benefits | $450,000 | 4,781 |
| Premises and equipment expense | $91,000 | 5,339 |
| Additional noninterest expense | $299,000 | 3,982 |
| Pre-tax net operating income | $319,000 | 4,514 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $114,000 | 3,097 |
| Income before extraordinary items | $205,000 | 4,998 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $205,000 | 4,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,735 |
| Cash dividends | $81,000 | 3,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $205,000 | 4,986 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,543,000 | 4,745 |
| Total interest expense | $2,881,000 | 4,418 |
| Net interest income | $3,662,000 | 4,911 |
| Provision for loan and lease losses | $279,000 | 2,923 |
| Total noninterest income | $582,000 | 4,806 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $480,000 | 3,145 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $102,000 | 6,296 |
| Total noninterest expense | $2,976,000 | 4,921 |
| Salaries and employee benefits | $1,583,000 | 5,015 |
| Premises and equipment expense | $363,000 | 5,222 |
| Additional noninterest expense | $1,030,000 | 4,418 |
| Pre-tax net operating income | $989,000 | 5,223 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $338,000 | 3,639 |
| Income before extraordinary items | $651,000 | 5,649 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $651,000 | 5,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,784 |
| Cash dividends | $248,000 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $651,000 | 5,633 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,584,000 | 4,931 |
| Total interest expense | $1,975,000 | 4,584 |
| Net interest income | $2,609,000 | 5,112 |
| Provision for loan and lease losses | $194,000 | 2,927 |
| Total noninterest income | $445,000 | 4,780 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $358,000 | 3,168 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 6,082 |
| Total noninterest expense | $2,233,000 | 4,893 |
| Salaries and employee benefits | $1,196,000 | 4,983 |
| Premises and equipment expense | $272,000 | 5,230 |
| Additional noninterest expense | $765,000 | 4,425 |
| Pre-tax net operating income | $627,000 | 5,763 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $220,000 | 4,008 |
| Income before extraordinary items | $407,000 | 6,195 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $407,000 | 6,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,785 |
| Cash dividends | $248,000 | 3,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $407,000 | 6,201 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,823,000 | 5,162 |
| Total interest expense | $1,171,000 | 4,793 |
| Net interest income | $1,652,000 | 5,312 |
| Provision for loan and lease losses | $111,000 | 3,180 |
| Total noninterest income | $304,000 | 4,702 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $241,000 | 3,143 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 5,990 |
| Total noninterest expense | $1,498,000 | 4,881 |
| Salaries and employee benefits | $813,000 | 4,941 |
| Premises and equipment expense | $181,000 | 5,240 |
| Additional noninterest expense | $504,000 | 4,465 |
| Pre-tax net operating income | $347,000 | 6,175 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $119,000 | 4,318 |
| Income before extraordinary items | $228,000 | 6,528 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $228,000 | 6,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,609 |
| Cash dividends | $248,000 | 3,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $228,000 | 6,525 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,330,000 | 5,293 |
| Total interest expense | $540,000 | 4,900 |
| Net interest income | $790,000 | 5,434 |
| Provision for loan and lease losses | $55,000 | 2,999 |
| Total noninterest income | $153,000 | 4,624 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $119,000 | 3,096 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,852 |
| Total noninterest expense | $771,000 | 4,807 |
| Salaries and employee benefits | $418,000 | 4,871 |
| Premises and equipment expense | $95,000 | 5,109 |
| Additional noninterest expense | $258,000 | 4,373 |
| Pre-tax net operating income | $117,000 | 6,846 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $38,000 | 4,781 |
| Income before extraordinary items | $79,000 | 7,056 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $62,000 | 3,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $79,000 | 7,062 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,508,000 | 5,485 |
| Total interest expense | $1,565,000 | 5,127 |
| Net interest income | $2,943,000 | 5,573 |
| Provision for loan and lease losses | $108,000 | 4,712 |
| Total noninterest income | $631,000 | 4,667 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $505,000 | 3,034 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $126,000 | 6,027 |
| Total noninterest expense | $2,722,000 | 5,089 |
| Salaries and employee benefits | $1,423,000 | 5,224 |
| Premises and equipment expense | $388,000 | 4,947 |
| Additional noninterest expense | $911,000 | 4,727 |
| Pre-tax net operating income | $744,000 | 6,028 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $246,000 | 4,385 |
| Income before extraordinary items | $498,000 | 6,388 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $498,000 | 6,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,212 |
| Cash dividends | $224,000 | 4,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $498,000 | 6,360 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,270,000 | 5,547 |
| Total interest expense | $1,129,000 | 5,108 |
| Net interest income | $2,141,000 | 5,670 |
| Provision for loan and lease losses | $81,000 | 4,591 |
| Total noninterest income | $486,000 | 4,619 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $382,000 | 3,012 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $104,000 | 5,876 |
| Total noninterest expense | $2,066,000 | 5,029 |
| Salaries and employee benefits | $1,097,000 | 5,107 |
| Premises and equipment expense | $290,000 | 4,949 |
| Additional noninterest expense | $679,000 | 4,724 |
| Pre-tax net operating income | $480,000 | 6,468 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $158,000 | 4,757 |
| Income before extraordinary items | $322,000 | 6,800 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $322,000 | 6,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,746 |
| Cash dividends | $168,000 | 4,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $322,000 | 6,759 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,151,000 | 5,524 |
| Total interest expense | $715,000 | 5,078 |
| Net interest income | $1,436,000 | 5,635 |
| Provision for loan and lease losses | $54,000 | 4,449 |
| Total noninterest income | $336,000 | 4,484 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $254,000 | 2,986 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $82,000 | 5,563 |
| Total noninterest expense | $1,364,000 | 5,061 |
| Salaries and employee benefits | $728,000 | 5,118 |
| Premises and equipment expense | $191,000 | 4,972 |
| Additional noninterest expense | $445,000 | 4,762 |
| Pre-tax net operating income | $354,000 | 6,271 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $118,000 | 4,593 |
| Income before extraordinary items | $236,000 | 6,631 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $236,000 | 6,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,872 |
| Cash dividends | $112,000 | 4,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $236,000 | 6,582 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,057,000 | 5,561 |
| Total interest expense | $345,000 | 5,094 |
| Net interest income | $712,000 | 5,684 |
| Provision for loan and lease losses | $27,000 | 4,321 |
| Total noninterest income | $168,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $119,000 | 3,049 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $49,000 | 5,227 |
| Total noninterest expense | $705,000 | 4,979 |
| Salaries and employee benefits | $384,000 | 4,970 |
| Premises and equipment expense | $95,000 | 5,050 |
| Additional noninterest expense | $226,000 | 4,689 |
| Pre-tax net operating income | $148,000 | 6,599 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $47,000 | 4,839 |
| Income before extraordinary items | $101,000 | 6,882 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $101,000 | 6,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $56,000 | 3,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $101,000 | 6,852 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,220,000 | 5,390 |
| Total interest expense | $1,305,000 | 4,882 |
| Net interest income | $2,915,000 | 5,497 |
| Provision for loan and lease losses | $72,000 | 5,454 |
| Total noninterest income | $634,000 | 4,673 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $514,000 | 3,083 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $120,000 | 6,103 |
| Total noninterest expense | $2,772,000 | 4,933 |
| Salaries and employee benefits | $1,416,000 | 5,137 |
| Premises and equipment expense | $390,000 | 4,843 |
| Additional noninterest expense | $966,000 | 4,471 |
| Pre-tax net operating income | $705,000 | 6,085 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $221,000 | 4,627 |
| Income before extraordinary items | $484,000 | 6,416 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $484,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,555 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $484,000 | 6,348 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,192,000 | 5,346 |
| Total interest expense | $977,000 | 4,848 |
| Net interest income | $2,215,000 | 5,449 |
| Provision for loan and lease losses | $54,000 | 5,285 |
| Total noninterest income | $457,000 | 4,785 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $372,000 | 3,179 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $85,000 | 6,209 |
| Total noninterest expense | $2,078,000 | 4,898 |
| Salaries and employee benefits | $1,051,000 | 5,125 |
| Premises and equipment expense | $295,000 | 4,803 |
| Additional noninterest expense | $732,000 | 4,369 |
| Pre-tax net operating income | $540,000 | 6,140 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $165,000 | 4,722 |
| Income before extraordinary items | $375,000 | 6,459 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $375,000 | 6,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 3,265 |
| Cash dividends | $188,000 | 4,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $375,000 | 6,387 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 5,373 |
| Total interest expense | $663,000 | 4,824 |
| Net interest income | $1,456,000 | 5,497 |
| Provision for loan and lease losses | $36,000 | 5,137 |
| Total noninterest income | $293,000 | 4,885 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $236,000 | 3,269 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $57,000 | 6,220 |
| Total noninterest expense | $1,415,000 | 4,837 |
| Salaries and employee benefits | $725,000 | 5,040 |
| Premises and equipment expense | $196,000 | 4,825 |
| Additional noninterest expense | $494,000 | 4,360 |
| Pre-tax net operating income | $298,000 | 6,513 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $93,000 | 4,936 |
| Income before extraordinary items | $205,000 | 6,852 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $205,000 | 6,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,546 |
| Cash dividends | $125,000 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $205,000 | 6,771 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,060,000 | 5,387 |
| Total interest expense | $336,000 | 4,826 |
| Net interest income | $724,000 | 5,504 |
| Provision for loan and lease losses | $18,000 | 4,919 |
| Total noninterest income | $150,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $114,000 | 3,270 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $36,000 | 5,773 |
| Total noninterest expense | $714,000 | 4,852 |
| Salaries and employee benefits | $370,000 | 4,980 |
| Premises and equipment expense | $94,000 | 5,013 |
| Additional noninterest expense | $250,000 | 4,318 |
| Pre-tax net operating income | $142,000 | 6,549 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $42,000 | 5,058 |
| Income before extraordinary items | $100,000 | 6,881 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $100,000 | 6,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,435 |
| Cash dividends | $63,000 | 3,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $100,000 | 6,781 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,244,000 | 5,433 |
| Total interest expense | $1,341,000 | 5,234 |
| Net interest income | $2,903,000 | 5,417 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $592,000 | 5,009 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $474,000 | 3,234 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $118,000 | 6,251 |
| Total noninterest expense | $2,863,000 | 4,759 |
| Salaries and employee benefits | $1,536,000 | 4,773 |
| Premises and equipment expense | $403,000 | 4,709 |
| Additional noninterest expense | $924,000 | 4,537 |
| Pre-tax net operating income | $632,000 | 6,233 |
| Securities gains (losses) | $44,000 | 2,634 |
| Applicable income taxes | $171,000 | 5,124 |
| Income before extraordinary items | $505,000 | 6,315 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $505,000 | 6,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,392 |
| Cash dividends | $300,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $472,000 | 6,304 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,182,000 | 5,494 |
| Total interest expense | $1,017,000 | 5,330 |
| Net interest income | $2,165,000 | 5,457 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $455,000 | 4,984 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $363,000 | 3,179 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $92,000 | 6,231 |
| Total noninterest expense | $2,153,000 | 4,739 |
| Salaries and employee benefits | $1,188,000 | 4,656 |
| Premises and equipment expense | $303,000 | 4,685 |
| Additional noninterest expense | $662,000 | 4,666 |
| Pre-tax net operating income | $467,000 | 6,426 |
| Securities gains (losses) | $44,000 | 2,422 |
| Applicable income taxes | $171,000 | 4,908 |
| Income before extraordinary items | $340,000 | 6,711 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $340,000 | 6,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,671 |
| Cash dividends | $225,000 | 3,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $310,520 | 6,727 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,194,000 | 5,428 |
| Total interest expense | $705,000 | 5,314 |
| Net interest income | $1,489,000 | 5,346 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $299,000 | 4,991 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $236,000 | 3,210 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $63,000 | 6,165 |
| Total noninterest expense | $1,461,000 | 4,675 |
| Salaries and employee benefits | $827,000 | 4,505 |
| Premises and equipment expense | $202,000 | 4,671 |
| Additional noninterest expense | $432,000 | 4,732 |
| Pre-tax net operating income | $327,000 | 6,317 |
| Securities gains (losses) | $24,000 | 2,506 |
| Applicable income taxes | $118,000 | 4,894 |
| Income before extraordinary items | $233,000 | 6,684 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $233,000 | 6,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,602 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $217,160 | 6,610 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,070,000 | 5,544 |
| Total interest expense | $360,000 | 5,361 |
| Net interest income | $710,000 | 5,509 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $149,000 | 4,901 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $115,000 | 3,184 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 5,990 |
| Total noninterest expense | $741,000 | 4,614 |
| Salaries and employee benefits | $432,000 | 4,377 |
| Premises and equipment expense | $100,000 | 4,694 |
| Additional noninterest expense | $209,000 | 4,798 |
| Pre-tax net operating income | $118,000 | 6,932 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $39,000 | 5,433 |
| Income before extraordinary items | $79,000 | 7,311 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $75,000 | 3,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $79,000 | 7,156 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,512,000 | 5,517 |
| Total interest expense | $1,560,000 | 5,602 |
| Net interest income | $2,952,000 | 5,336 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $559,000 | 4,911 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $467,000 | 3,147 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $92,000 | 6,607 |
| Total noninterest expense | $2,597,000 | 4,955 |
| Salaries and employee benefits | $1,455,000 | 4,801 |
| Premises and equipment expense | $367,000 | 4,949 |
| Additional noninterest expense | $775,000 | 5,049 |
| Pre-tax net operating income | $914,000 | 5,434 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $323,000 | 4,315 |
| Income before extraordinary items | $614,000 | 5,905 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $614,000 | 5,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-168,000 | 9,274 |
| Cash dividends | $350,000 | 4,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $598,820 | 5,830 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,107,000 | 5,543 |
| Total interest expense | $2,218,000 | 5,785 |
| Net interest income | $2,889,000 | 5,206 |
| Provision for loan and lease losses | $49,000 | 6,732 |
| Total noninterest income | $484,000 | 5,151 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $366,000 | 3,643 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $118,000 | 6,034 |
| Total noninterest expense | $2,220,000 | 5,356 |
| Salaries and employee benefits | $1,316,000 | 4,983 |
| Premises and equipment expense | $309,000 | 5,432 |
| Additional noninterest expense | $595,000 | 5,870 |
| Pre-tax net operating income | $1,104,000 | 4,644 |
| Securities gains (losses) | $-3,000 | 9,140 |
| Applicable income taxes | $374,000 | 3,860 |
| Income before extraordinary items | $727,000 | 5,133 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $727,000 | 5,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 2,151 |
| Cash dividends | $260,000 | 4,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $728,980 | 5,021 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,639,000 | 5,989 |
| Total interest expense | $2,036,000 | 6,219 |
| Net interest income | $2,603,000 | 5,658 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $489,000 | 4,972 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,386 |
| Total noninterest expense | $2,066,000 | 5,557 |
| Salaries and employee benefits | $1,233,000 | 5,098 |
| Premises and equipment expense | $286,000 | 5,578 |
| Additional noninterest expense | $547,000 | 6,088 |
| Pre-tax net operating income | $846,000 | 5,712 |
| Securities gains (losses) | $-12,000 | 8,439 |
| Applicable income taxes | $290,000 | 4,659 |
| Income before extraordinary items | $544,000 | 6,105 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $544,000 | 6,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,894 |
| Cash dividends | $521,000 | 3,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $551,800 | 6,077 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,703,000 | 6,613 |
| Total interest expense | $1,396,000 | 7,198 |
| Net interest income | $2,307,000 | 6,092 |
| Provision for loan and lease losses | $680,000 | 1,352 |
| Total noninterest income | $461,000 | 5,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $374,000 | 3,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 6,949 |
| Total noninterest expense | $1,766,000 | 6,146 |
| Salaries and employee benefits | $955,000 | 6,074 |
| Premises and equipment expense | $322,000 | 5,254 |
| Additional noninterest expense | $489,000 | 6,588 |
| Pre-tax net operating income | $322,000 | 7,972 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $75,000 | 7,256 |
| Income before extraordinary items | $247,000 | 7,949 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $247,000 | 7,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,492 |
| Cash dividends | $153,000 | 5,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $247,000 | 7,926 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,397,000 | 7,069 |
| Total interest expense | $1,553,000 | 7,084 |
| Net interest income | $1,844,000 | 6,959 |
| Provision for loan and lease losses | $292,000 | 2,702 |
| Total noninterest income | $405,000 | 5,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $341,000 | 3,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,673 |
| Total noninterest expense | $1,605,000 | 6,422 |
| Salaries and employee benefits | $868,000 | 6,363 |
| Premises and equipment expense | $266,000 | 5,757 |
| Additional noninterest expense | $471,000 | 6,643 |
| Pre-tax net operating income | $352,000 | 8,133 |
| Securities gains (losses) | $75,000 | 1,462 |
| Applicable income taxes | $121,000 | 7,232 |
| Income before extraordinary items | $306,000 | 7,833 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $306,000 | 7,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,133 |
| Cash dividends | $175,000 | 5,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $252,000 | 8,164 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,221,000 | 7,479 |
| Total interest expense | $1,516,000 | 7,311 |
| Net interest income | $1,705,000 | 7,543 |
| Provision for loan and lease losses | $93,000 | 5,327 |
| Total noninterest income | $402,000 | 5,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,059 |
| Total noninterest expense | $1,528,000 | 6,721 |
| Salaries and employee benefits | $824,000 | 6,664 |
| Premises and equipment expense | $281,000 | 5,637 |
| Additional noninterest expense | $423,000 | 7,170 |
| Pre-tax net operating income | $486,000 | 7,998 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $141,000 | 7,743 |
| Income before extraordinary items | $351,000 | 7,990 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $351,000 | 7,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $90,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $346,740 | 7,970 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,923,000 | 8,093 |
| Total interest expense | $1,387,000 | 7,874 |
| Net interest income | $1,536,000 | 8,176 |
| Provision for loan and lease losses | $52,000 | 6,510 |
| Total noninterest income | $322,000 | 6,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,779 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,124 |
| Total noninterest expense | $1,518,000 | 7,059 |
| Salaries and employee benefits | $781,000 | 7,077 |
| Premises and equipment expense | $270,000 | 5,962 |
| Additional noninterest expense | $467,000 | 7,329 |
| Pre-tax net operating income | $288,000 | 9,213 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $81,000 | 9,119 |
| Income before extraordinary items | $207,000 | 9,229 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $207,000 | 9,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,503 |
| Cash dividends | $68,000 | 7,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $207,000 | 9,173 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,366,000 | 9,162 |
| Total interest expense | $1,053,000 | 9,067 |
| Net interest income | $1,313,000 | 9,041 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $273,000 | 7,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $233,000 | 5,153 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,709 |
| Total noninterest expense | $1,279,000 | 7,920 |
| Salaries and employee benefits | $657,000 | 8,010 |
| Premises and equipment expense | $209,000 | 7,021 |
| Additional noninterest expense | $413,000 | 8,058 |
| Pre-tax net operating income | $271,000 | 9,965 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $81,000 | 9,559 |
| Income before extraordinary items | $188,000 | 10,068 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $188,000 | 10,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $189,400 | 10,021 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,899,000 | 9,993 |
| Total interest expense | $747,000 | 9,845 |
| Net interest income | $1,152,000 | 9,902 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $187,000 | 8,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,683 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,920 |
| Total noninterest expense | $984,000 | 9,414 |
| Salaries and employee benefits | $492,000 | 9,467 |
| Premises and equipment expense | $178,000 | 7,891 |
| Additional noninterest expense | $314,000 | 9,794 |
| Pre-tax net operating income | $342,000 | 9,797 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $14,000 | 11,286 |
| Income before extraordinary items | $328,000 | 8,844 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $328,000 | 8,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $328,000 | 8,899 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,774,000 | 10,644 |
| Total interest expense | $767,000 | 10,224 |
| Net interest income | $1,007,000 | 10,759 |
| Provision for loan and lease losses | $63,000 | 6,860 |
| Total noninterest income | $159,000 | 10,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $953,000 | 9,960 |
| Salaries and employee benefits | $481,000 | 9,856 |
| Premises and equipment expense | $172,000 | 8,328 |
| Additional noninterest expense | $300,000 | 10,450 |
| Pre-tax net operating income | $150,000 | 11,471 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $178,000 | 10,893 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $178,000 | 10,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 8,808 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $150,000 | 10,996 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 11,600 |
| Total interest expense | $804,000 | 11,310 |
| Net interest income | $855,000 | 11,690 |
| Provision for loan and lease losses | $45,000 | 9,299 |
| Total noninterest income | $111,000 | 11,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,897 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $880,000 | 10,611 |
| Salaries and employee benefits | $453,000 | 10,272 |
| Premises and equipment expense | $161,000 | 8,809 |
| Additional noninterest expense | $266,000 | 11,332 |
| Pre-tax net operating income | $41,000 | 12,467 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $45,000 | 12,603 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $45,000 | 12,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 6,447 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $41,000 | 12,379 |
* 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.