Home > United Bank & Trust -Washtenaw > Income and Expense
United Bank & Trust -Washtenaw, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,851,000 | 1,664 |
| Total interest expense | $1,181,000 | 1,933 |
| Net interest income | $3,670,000 | 1,567 |
| Provision for loan and lease losses | $950,000 | 1,212 |
| Total noninterest income | $1,099,000 | 1,131 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $127,000 | 2,677 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $972,000 | 812 |
| Total noninterest expense | $2,877,000 | 1,733 |
| Salaries and employee benefits | $893,000 | 2,744 |
| Premises and equipment expense | $385,000 | 1,760 |
| Additional noninterest expense | $1,599,000 | 1,096 |
| Pre-tax net operating income | $942,000 | 1,381 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $297,000 | 1,062 |
| Income before extraordinary items | $645,000 | 1,700 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $645,000 | 1,701 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $645,000 | 1,702 |
| Net charge-offs | $458,000 | 1,642 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $645,000 | 1,629 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $19,206,000 | 1,781 |
| Total interest expense | $5,530,000 | 2,062 |
| Net interest income | $13,676,000 | 1,645 |
| Provision for loan and lease losses | $7,270,000 | 1,097 |
| Total noninterest income | $5,348,000 | 1,039 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $622,000 | 2,479 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,726,000 | 751 |
| Total noninterest expense | $14,098,000 | 1,464 |
| Salaries and employee benefits | $4,307,000 | 2,285 |
| Premises and equipment expense | $1,523,000 | 1,772 |
| Additional noninterest expense | $8,268,000 | 952 |
| Pre-tax net operating income | $-2,344,000 | 6,727 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-886,000 | 7,238 |
| Income before extraordinary items | $-1,458,000 | 6,550 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,458,000 | 6,550 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,458,000 | 6,550 |
| Net charge-offs | $6,389,000 | 959 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,458,000 | 6,549 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $14,195,000 | 1,829 |
| Total interest expense | $4,264,000 | 2,095 |
| Net interest income | $9,931,000 | 1,691 |
| Provision for loan and lease losses | $5,770,000 | 950 |
| Total noninterest income | $4,092,000 | 1,026 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $470,000 | 2,480 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,622,000 | 743 |
| Total noninterest expense | $11,322,000 | 1,349 |
| Salaries and employee benefits | $3,387,000 | 2,190 |
| Premises and equipment expense | $1,150,000 | 1,778 |
| Additional noninterest expense | $6,785,000 | 833 |
| Pre-tax net operating income | $-3,069,000 | 7,301 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,108,000 | 7,585 |
| Income before extraordinary items | $-1,961,000 | 7,158 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,961,000 | 7,158 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,961,000 | 7,157 |
| Net charge-offs | $2,867,000 | 1,213 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,961,000 | 7,155 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,367,000 | 1,885 |
| Total interest expense | $2,928,000 | 2,142 |
| Net interest income | $6,439,000 | 1,735 |
| Provision for loan and lease losses | $3,770,000 | 925 |
| Total noninterest income | $2,889,000 | 991 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $315,000 | 2,445 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,574,000 | 718 |
| Total noninterest expense | $8,411,000 | 1,236 |
| Salaries and employee benefits | $2,443,000 | 2,058 |
| Premises and equipment expense | $765,000 | 1,810 |
| Additional noninterest expense | $5,203,000 | 744 |
| Pre-tax net operating income | $-2,853,000 | 7,548 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,011,000 | 7,755 |
| Income before extraordinary items | $-1,842,000 | 7,434 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,842,000 | 7,433 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,842,000 | 7,432 |
| Net charge-offs | $2,016,000 | 1,123 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,842,000 | 7,435 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,645,000 | 1,921 |
| Total interest expense | $1,520,000 | 2,142 |
| Net interest income | $3,125,000 | 1,781 |
| Provision for loan and lease losses | $2,270,000 | 687 |
| Total noninterest income | $1,342,000 | 1,013 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $158,000 | 2,355 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,184,000 | 737 |
| Total noninterest expense | $5,116,000 | 985 |
| Salaries and employee benefits | $1,169,000 | 2,182 |
| Premises and equipment expense | $388,000 | 1,822 |
| Additional noninterest expense | $3,559,000 | 490 |
| Pre-tax net operating income | $-2,919,000 | 7,936 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-1,013,000 | 8,008 |
| Income before extraordinary items | $-1,906,000 | 7,890 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,906,000 | 7,891 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,906,000 | 7,891 |
| Net charge-offs | $528,000 | 1,331 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,906,000 | 7,891 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $19,345,000 | 1,973 |
| Total interest expense | $7,292,000 | 2,129 |
| Net interest income | $12,053,000 | 1,850 |
| Provision for loan and lease losses | $2,965,000 | 1,404 |
| Total noninterest income | $3,560,000 | 1,387 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $791,000 | 2,146 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,769,000 | 1,028 |
| Total noninterest expense | $10,951,000 | 1,773 |
| Salaries and employee benefits | $3,567,000 | 2,776 |
| Premises and equipment expense | $1,445,000 | 1,898 |
| Additional noninterest expense | $5,939,000 | 1,086 |
| Pre-tax net operating income | $1,697,000 | 2,802 |
| Securities gains (losses) | $4,000 | 2,823 |
| Applicable income taxes | $493,000 | 1,874 |
| Income before extraordinary items | $1,208,000 | 2,899 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,208,000 | 2,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,902,000 | 1,337 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,205,160 | 3,049 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,482,000 | 2,011 |
| Total interest expense | $5,496,000 | 2,203 |
| Net interest income | $8,986,000 | 1,886 |
| Provision for loan and lease losses | $2,125,000 | 1,137 |
| Total noninterest income | $2,734,000 | 1,407 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $619,000 | 2,086 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,115,000 | 1,061 |
| Total noninterest expense | $8,241,000 | 1,755 |
| Salaries and employee benefits | $2,712,000 | 2,763 |
| Premises and equipment expense | $1,073,000 | 1,901 |
| Additional noninterest expense | $4,456,000 | 1,030 |
| Pre-tax net operating income | $1,354,000 | 3,058 |
| Securities gains (losses) | $4,000 | 2,700 |
| Applicable income taxes | $397,000 | 2,165 |
| Income before extraordinary items | $961,000 | 3,188 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $961,000 | 3,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,298,000 | 1,107 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $958,160 | 3,338 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,655,000 | 2,053 |
| Total interest expense | $3,753,000 | 2,231 |
| Net interest income | $5,902,000 | 1,907 |
| Provision for loan and lease losses | $850,000 | 1,359 |
| Total noninterest income | $1,821,000 | 1,425 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $412,000 | 2,051 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,409,000 | 1,102 |
| Total noninterest expense | $5,491,000 | 1,757 |
| Salaries and employee benefits | $1,799,000 | 2,811 |
| Premises and equipment expense | $710,000 | 1,909 |
| Additional noninterest expense | $2,982,000 | 999 |
| Pre-tax net operating income | $1,382,000 | 2,351 |
| Securities gains (losses) | $4,000 | 2,798 |
| Applicable income taxes | $429,000 | 1,788 |
| Income before extraordinary items | $957,000 | 2,665 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $957,000 | 2,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,333 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $954,240 | 2,613 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,970,000 | 2,043 |
| Total interest expense | $2,041,000 | 2,206 |
| Net interest income | $2,929,000 | 1,907 |
| Provision for loan and lease losses | $325,000 | 1,299 |
| Total noninterest income | $927,000 | 1,412 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $208,000 | 2,006 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $719,000 | 1,092 |
| Total noninterest expense | $2,788,000 | 1,728 |
| Salaries and employee benefits | $908,000 | 2,805 |
| Premises and equipment expense | $347,000 | 1,962 |
| Additional noninterest expense | $1,533,000 | 942 |
| Pre-tax net operating income | $743,000 | 2,308 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $231,000 | 1,776 |
| Income before extraordinary items | $512,000 | 2,632 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $512,000 | 2,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,318 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $512,000 | 2,563 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,389,000 | 2,057 |
| Total interest expense | $9,062,000 | 2,104 |
| Net interest income | $11,327,000 | 2,003 |
| Provision for loan and lease losses | $2,983,000 | 633 |
| Total noninterest income | $3,017,000 | 1,634 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $873,000 | 1,981 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,144,000 | 1,313 |
| Total noninterest expense | $9,808,000 | 1,885 |
| Salaries and employee benefits | $3,129,000 | 3,120 |
| Premises and equipment expense | $1,334,000 | 1,956 |
| Additional noninterest expense | $5,345,000 | 1,054 |
| Pre-tax net operating income | $1,553,000 | 3,842 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $444,000 | 2,887 |
| Income before extraordinary items | $1,109,000 | 4,087 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,109,000 | 4,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,504 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,109,000 | 4,085 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,182,000 | 2,074 |
| Total interest expense | $6,647,000 | 2,128 |
| Net interest income | $8,535,000 | 2,011 |
| Provision for loan and lease losses | $836,000 | 1,044 |
| Total noninterest income | $2,207,000 | 1,669 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $632,000 | 2,020 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,575,000 | 1,336 |
| Total noninterest expense | $7,445,000 | 1,836 |
| Salaries and employee benefits | $2,431,000 | 3,006 |
| Premises and equipment expense | $1,042,000 | 1,874 |
| Additional noninterest expense | $3,972,000 | 1,035 |
| Pre-tax net operating income | $2,461,000 | 2,466 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $775,000 | 1,942 |
| Income before extraordinary items | $1,686,000 | 2,725 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,686,000 | 2,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,570 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,686,000 | 2,706 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,843,000 | 2,136 |
| Total interest expense | $4,226,000 | 2,227 |
| Net interest income | $5,617,000 | 2,067 |
| Provision for loan and lease losses | $574,000 | 922 |
| Total noninterest income | $1,401,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $394,000 | 2,148 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,007,000 | 1,392 |
| Total noninterest expense | $4,926,000 | 1,874 |
| Salaries and employee benefits | $1,566,000 | 3,124 |
| Premises and equipment expense | $688,000 | 1,902 |
| Additional noninterest expense | $2,672,000 | 1,042 |
| Pre-tax net operating income | $1,518,000 | 2,652 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $475,000 | 2,144 |
| Income before extraordinary items | $1,043,000 | 2,943 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,043,000 | 2,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,413 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,043,000 | 2,929 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,730,000 | 2,205 |
| Total interest expense | $2,004,000 | 2,313 |
| Net interest income | $2,726,000 | 2,122 |
| Provision for loan and lease losses | $399,000 | 630 |
| Total noninterest income | $670,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $188,000 | 2,159 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $482,000 | 1,399 |
| Total noninterest expense | $2,429,000 | 1,907 |
| Salaries and employee benefits | $769,000 | 3,198 |
| Premises and equipment expense | $348,000 | 1,889 |
| Additional noninterest expense | $1,312,000 | 1,045 |
| Pre-tax net operating income | $568,000 | 3,251 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $173,000 | 2,594 |
| Income before extraordinary items | $395,000 | 3,533 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $395,000 | 3,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $395,000 | 3,507 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,968,000 | 2,306 |
| Total interest expense | $6,250,000 | 2,508 |
| Net interest income | $10,718,000 | 2,159 |
| Provision for loan and lease losses | $785,000 | 1,293 |
| Total noninterest income | $2,166,000 | 2,103 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $729,000 | 2,293 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,437,000 | 1,723 |
| Total noninterest expense | $8,446,000 | 2,084 |
| Salaries and employee benefits | $2,955,000 | 3,176 |
| Premises and equipment expense | $1,175,000 | 2,109 |
| Additional noninterest expense | $4,316,000 | 1,237 |
| Pre-tax net operating income | $3,653,000 | 2,400 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,166,000 | 1,984 |
| Income before extraordinary items | $2,487,000 | 2,636 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,487,000 | 2,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,703 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,487,000 | 2,618 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,377,000 | 2,346 |
| Total interest expense | $4,366,000 | 2,582 |
| Net interest income | $8,011,000 | 2,177 |
| Provision for loan and lease losses | $506,000 | 1,377 |
| Total noninterest income | $1,560,000 | 2,164 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $528,000 | 2,369 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,032,000 | 1,775 |
| Total noninterest expense | $6,220,000 | 2,140 |
| Salaries and employee benefits | $2,145,000 | 3,262 |
| Premises and equipment expense | $868,000 | 2,154 |
| Additional noninterest expense | $3,207,000 | 1,249 |
| Pre-tax net operating income | $2,845,000 | 2,424 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $910,000 | 2,009 |
| Income before extraordinary items | $1,935,000 | 2,635 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,935,000 | 2,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,812 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,935,000 | 2,625 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,983,000 | 2,377 |
| Total interest expense | $2,708,000 | 2,648 |
| Net interest income | $5,275,000 | 2,215 |
| Provision for loan and lease losses | $301,000 | 1,461 |
| Total noninterest income | $1,016,000 | 2,196 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $336,000 | 2,431 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $680,000 | 1,801 |
| Total noninterest expense | $4,081,000 | 2,164 |
| Salaries and employee benefits | $1,380,000 | 3,361 |
| Premises and equipment expense | $579,000 | 2,151 |
| Additional noninterest expense | $2,122,000 | 1,272 |
| Pre-tax net operating income | $1,909,000 | 2,404 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $610,000 | 2,032 |
| Income before extraordinary items | $1,299,000 | 2,618 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,299,000 | 2,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,101 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,299,000 | 2,607 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,941,000 | 2,358 |
| Total interest expense | $1,259,000 | 2,702 |
| Net interest income | $2,682,000 | 2,164 |
| Provision for loan and lease losses | $114,000 | 1,832 |
| Total noninterest income | $455,000 | 2,338 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $163,000 | 2,410 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $292,000 | 1,983 |
| Total noninterest expense | $2,020,000 | 2,190 |
| Salaries and employee benefits | $675,000 | 3,433 |
| Premises and equipment expense | $292,000 | 2,149 |
| Additional noninterest expense | $1,053,000 | 1,265 |
| Pre-tax net operating income | $1,003,000 | 2,269 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $321,000 | 1,932 |
| Income before extraordinary items | $682,000 | 2,492 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $682,000 | 2,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 1,941 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $682,000 | 2,474 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,238,000 | 2,665 |
| Total interest expense | $3,551,000 | 2,905 |
| Net interest income | $8,687,000 | 2,508 |
| Provision for loan and lease losses | $539,000 | 1,787 |
| Total noninterest income | $2,093,000 | 2,145 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $620,000 | 2,599 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,473,000 | 1,691 |
| Total noninterest expense | $7,525,000 | 2,228 |
| Salaries and employee benefits | $3,063,000 | 2,916 |
| Premises and equipment expense | $1,144,000 | 2,098 |
| Additional noninterest expense | $3,318,000 | 1,536 |
| Pre-tax net operating income | $2,716,000 | 2,991 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $850,000 | 2,510 |
| Income before extraordinary items | $1,866,000 | 3,265 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,866,000 | 3,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,813 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,866,000 | 3,234 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,702,000 | 2,742 |
| Total interest expense | $2,453,000 | 2,972 |
| Net interest income | $6,249,000 | 2,581 |
| Provision for loan and lease losses | $387,000 | 1,771 |
| Total noninterest income | $1,558,000 | 2,144 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $452,000 | 2,646 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,106,000 | 1,688 |
| Total noninterest expense | $5,641,000 | 2,192 |
| Salaries and employee benefits | $2,342,000 | 2,831 |
| Premises and equipment expense | $853,000 | 2,089 |
| Additional noninterest expense | $2,446,000 | 1,531 |
| Pre-tax net operating income | $1,779,000 | 3,322 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $551,000 | 2,781 |
| Income before extraordinary items | $1,228,000 | 3,603 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,228,000 | 3,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,996 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,228,000 | 3,575 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,466,000 | 2,812 |
| Total interest expense | $1,487,000 | 3,064 |
| Net interest income | $3,979,000 | 2,665 |
| Provision for loan and lease losses | $247,000 | 1,806 |
| Total noninterest income | $1,023,000 | 2,142 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $282,000 | 2,738 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $741,000 | 1,675 |
| Total noninterest expense | $3,768,000 | 2,173 |
| Salaries and employee benefits | $1,577,000 | 2,794 |
| Premises and equipment expense | $570,000 | 2,071 |
| Additional noninterest expense | $1,621,000 | 1,539 |
| Pre-tax net operating income | $987,000 | 3,747 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $300,000 | 3,110 |
| Income before extraordinary items | $687,000 | 4,047 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $687,000 | 4,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,429 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $687,000 | 3,990 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,527,000 | 2,971 |
| Total interest expense | $671,000 | 3,227 |
| Net interest income | $1,856,000 | 2,834 |
| Provision for loan and lease losses | $134,000 | 1,614 |
| Total noninterest income | $437,000 | 2,355 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $131,000 | 2,833 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $306,000 | 1,873 |
| Total noninterest expense | $1,821,000 | 2,280 |
| Salaries and employee benefits | $739,000 | 2,967 |
| Premises and equipment expense | $286,000 | 2,083 |
| Additional noninterest expense | $796,000 | 1,563 |
| Pre-tax net operating income | $338,000 | 4,692 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $97,000 | 3,813 |
| Income before extraordinary items | $241,000 | 4,955 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $241,000 | 4,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 1,405 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $241,000 | 4,910 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,491,000 | 3,259 |
| Total interest expense | $2,120,000 | 3,475 |
| Net interest income | $6,371,000 | 3,128 |
| Provision for loan and lease losses | $364,000 | 2,535 |
| Total noninterest income | $1,781,000 | 2,386 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $454,000 | 3,364 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,327,000 | 1,782 |
| Total noninterest expense | $6,260,000 | 2,540 |
| Salaries and employee benefits | $2,652,000 | 3,187 |
| Premises and equipment expense | $1,158,000 | 1,991 |
| Additional noninterest expense | $2,450,000 | 1,996 |
| Pre-tax net operating income | $1,528,000 | 4,203 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $444,000 | 3,538 |
| Income before extraordinary items | $1,085,000 | 4,475 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,085,000 | 4,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,270 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,084,290 | 4,408 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,142,000 | 3,326 |
| Total interest expense | $1,531,000 | 3,548 |
| Net interest income | $4,611,000 | 3,228 |
| Provision for loan and lease losses | $282,000 | 2,373 |
| Total noninterest income | $1,377,000 | 2,342 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $336,000 | 3,411 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,041,000 | 1,728 |
| Total noninterest expense | $4,748,000 | 2,492 |
| Salaries and employee benefits | $1,973,000 | 3,172 |
| Premises and equipment expense | $877,000 | 1,975 |
| Additional noninterest expense | $1,898,000 | 1,894 |
| Pre-tax net operating income | $958,000 | 4,702 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $267,000 | 3,967 |
| Income before extraordinary items | $692,000 | 4,985 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $692,000 | 4,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,559 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $691,280 | 4,896 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,968,000 | 3,406 |
| Total interest expense | $982,000 | 3,658 |
| Net interest income | $2,986,000 | 3,284 |
| Provision for loan and lease losses | $224,000 | 2,019 |
| Total noninterest income | $961,000 | 2,256 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $205,000 | 3,581 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $756,000 | 1,615 |
| Total noninterest expense | $3,200,000 | 2,484 |
| Salaries and employee benefits | $1,354,000 | 3,116 |
| Premises and equipment expense | $589,000 | 1,945 |
| Additional noninterest expense | $1,257,000 | 1,897 |
| Pre-tax net operating income | $523,000 | 5,190 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $137,000 | 4,397 |
| Income before extraordinary items | $387,000 | 5,403 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $387,000 | 5,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $386,260 | 5,317 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,931,000 | 3,481 |
| Total interest expense | $481,000 | 3,756 |
| Net interest income | $1,450,000 | 3,353 |
| Provision for loan and lease losses | $91,000 | 2,243 |
| Total noninterest income | $409,000 | 2,502 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $90,000 | 3,830 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $319,000 | 1,809 |
| Total noninterest expense | $1,591,000 | 2,510 |
| Salaries and employee benefits | $672,000 | 3,140 |
| Premises and equipment expense | $297,000 | 1,952 |
| Additional noninterest expense | $622,000 | 1,897 |
| Pre-tax net operating income | $177,000 | 6,099 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $38,000 | 5,155 |
| Income before extraordinary items | $139,000 | 6,188 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $139,000 | 6,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $139,000 | 6,086 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,316,000 | 3,686 |
| Total interest expense | $2,192,000 | 3,721 |
| Net interest income | $5,124,000 | 3,627 |
| Provision for loan and lease losses | $268,000 | 3,424 |
| Total noninterest income | $2,609,000 | 1,882 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $402,000 | 3,636 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,207,000 | 1,366 |
| Total noninterest expense | $6,381,000 | 2,463 |
| Salaries and employee benefits | $3,154,000 | 2,663 |
| Premises and equipment expense | $1,083,000 | 2,101 |
| Additional noninterest expense | $2,144,000 | 2,251 |
| Pre-tax net operating income | $1,084,000 | 4,964 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $289,000 | 4,344 |
| Income before extraordinary items | $795,000 | 5,257 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $795,000 | 5,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $795,000 | 5,095 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,465,000 | 3,731 |
| Total interest expense | $1,706,000 | 3,723 |
| Net interest income | $3,759,000 | 3,690 |
| Provision for loan and lease losses | $137,000 | 4,061 |
| Total noninterest income | $2,040,000 | 1,862 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $298,000 | 3,667 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,742,000 | 1,375 |
| Total noninterest expense | $4,789,000 | 2,462 |
| Salaries and employee benefits | $2,378,000 | 2,659 |
| Premises and equipment expense | $851,000 | 2,019 |
| Additional noninterest expense | $1,560,000 | 2,298 |
| Pre-tax net operating income | $873,000 | 4,916 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $240,000 | 4,347 |
| Income before extraordinary items | $633,000 | 5,257 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $633,000 | 5,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $633,000 | 5,084 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,625,000 | 3,777 |
| Total interest expense | $1,137,000 | 3,840 |
| Net interest income | $2,488,000 | 3,714 |
| Provision for loan and lease losses | $129,000 | 3,358 |
| Total noninterest income | $1,284,000 | 1,940 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $191,000 | 3,727 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,093,000 | 1,417 |
| Total noninterest expense | $3,010,000 | 2,591 |
| Salaries and employee benefits | $1,496,000 | 2,787 |
| Premises and equipment expense | $550,000 | 2,084 |
| Additional noninterest expense | $964,000 | 2,445 |
| Pre-tax net operating income | $633,000 | 4,682 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $184,000 | 4,128 |
| Income before extraordinary items | $449,000 | 5,098 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $449,000 | 5,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $449,000 | 4,897 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,780,000 | 3,857 |
| Total interest expense | $558,000 | 3,999 |
| Net interest income | $1,222,000 | 3,765 |
| Provision for loan and lease losses | $73,000 | 3,016 |
| Total noninterest income | $546,000 | 2,145 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $90,000 | 3,801 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $456,000 | 1,579 |
| Total noninterest expense | $1,308,000 | 2,922 |
| Salaries and employee benefits | $678,000 | 3,032 |
| Premises and equipment expense | $246,000 | 2,277 |
| Additional noninterest expense | $384,000 | 2,959 |
| Pre-tax net operating income | $387,000 | 4,110 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $115,000 | 3,702 |
| Income before extraordinary items | $272,000 | 4,499 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $272,000 | 4,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $272,000 | 4,298 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,857,000 | 6,993 |
| Total interest expense | $965,000 | 7,032 |
| Net interest income | $1,892,000 | 6,802 |
| Provision for loan and lease losses | $305,000 | 3,377 |
| Total noninterest income | $553,000 | 4,938 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $33,000 | 7,810 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $520,000 | 3,213 |
| Total noninterest expense | $2,601,000 | 4,949 |
| Salaries and employee benefits | $1,260,000 | 5,306 |
| Premises and equipment expense | $386,000 | 4,773 |
| Additional noninterest expense | $955,000 | 4,330 |
| Pre-tax net operating income | $-461,000 | 8,959 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-151,000 | 9,107 |
| Income before extraordinary items | $-310,000 | 8,967 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-310,000 | 8,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-310,000 | 8,917 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $748,000 | 9,303 |
| Total interest expense | $225,000 | 9,364 |
| Net interest income | $523,000 | 9,152 |
| Provision for loan and lease losses | $243,000 | 3,685 |
| Total noninterest income | $117,000 | 8,275 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $13,000 | 8,224 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $104,000 | 6,355 |
| Total noninterest expense | $1,720,000 | 6,296 |
| Salaries and employee benefits | $835,000 | 6,636 |
| Premises and equipment expense | $270,000 | 5,857 |
| Additional noninterest expense | $615,000 | 5,744 |
| Pre-tax net operating income | $-1,323,000 | 9,431 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-446,000 | 9,488 |
| Income before extraordinary items | $-877,000 | 9,385 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-877,000 | 9,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $8,000,000 | 96 |
| Net operating income | $-877,000 | 9,351 |
* 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.