Home > United Communities National Bank > Income and Expense
United Communities National Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,438,000 | 1,963 |
| Total interest expense | $2,475,000 | 1,959 |
| Net interest income | $2,963,000 | 1,952 |
| Provision for loan and lease losses | $120,000 | 1,752 |
| Total noninterest income | $748,000 | 1,647 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $376,000 | 1,143 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $372,000 | 1,678 |
| Total noninterest expense | $1,853,000 | 2,467 |
| Salaries and employee benefits | $901,000 | 2,790 |
| Premises and equipment expense | $139,000 | 4,082 |
| Additional noninterest expense | $813,000 | 1,654 |
| Pre-tax net operating income | $1,738,000 | 1,348 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $572,000 | 1,156 |
| Income before extraordinary items | $1,166,000 | 1,481 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,166,000 | 1,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 946 |
| Cash dividends | $510,000 | 1,361 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 633 |
| Net operating income | $1,166,000 | 1,472 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,464,000 | 1,941 |
| Total interest expense | $8,336,000 | 1,978 |
| Net interest income | $12,128,000 | 1,911 |
| Provision for loan and lease losses | $660,000 | 1,485 |
| Total noninterest income | $2,890,000 | 1,692 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,416,000 | 1,261 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,474,000 | 1,693 |
| Total noninterest expense | $7,493,000 | 2,363 |
| Salaries and employee benefits | $3,592,000 | 2,690 |
| Premises and equipment expense | $567,000 | 3,928 |
| Additional noninterest expense | $3,334,000 | 1,583 |
| Pre-tax net operating income | $6,865,000 | 1,432 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,283,000 | 1,198 |
| Income before extraordinary items | $4,582,000 | 1,580 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,582,000 | 1,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $485,000 | 1,199 |
| Cash dividends | $3,171,000 | 1,065 |
| Sale, conversion, retirement of capital stock, net | $79,000 | 927 |
| Net operating income | $4,582,000 | 1,568 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,133,000 | 1,958 |
| Total interest expense | $5,961,000 | 2,005 |
| Net interest income | $9,172,000 | 1,914 |
| Provision for loan and lease losses | $460,000 | 1,489 |
| Total noninterest income | $2,152,000 | 1,703 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,032,000 | 1,298 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,120,000 | 1,669 |
| Total noninterest expense | $5,608,000 | 2,361 |
| Salaries and employee benefits | $2,689,000 | 2,690 |
| Premises and equipment expense | $427,000 | 3,927 |
| Additional noninterest expense | $2,492,000 | 1,575 |
| Pre-tax net operating income | $5,256,000 | 1,448 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,753,000 | 1,221 |
| Income before extraordinary items | $3,503,000 | 1,581 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,503,000 | 1,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $355,000 | 1,030 |
| Cash dividends | $2,070,000 | 1,119 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 787 |
| Net operating income | $3,503,000 | 1,565 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,855,000 | 1,962 |
| Total interest expense | $3,667,000 | 2,048 |
| Net interest income | $6,188,000 | 1,888 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $1,377,000 | 1,754 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $628,000 | 1,414 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $749,000 | 1,678 |
| Total noninterest expense | $3,687,000 | 2,397 |
| Salaries and employee benefits | $1,768,000 | 2,723 |
| Premises and equipment expense | $281,000 | 3,972 |
| Additional noninterest expense | $1,638,000 | 1,605 |
| Pre-tax net operating income | $3,638,000 | 1,390 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,221,000 | 1,180 |
| Income before extraordinary items | $2,417,000 | 1,531 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,417,000 | 1,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 1,027 |
| Cash dividends | $2,070,000 | 778 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 641 |
| Net operating income | $2,417,000 | 1,512 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,808,000 | 1,973 |
| Total interest expense | $1,681,000 | 2,122 |
| Net interest income | $3,127,000 | 1,845 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $686,000 | 1,730 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $299,000 | 1,430 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $387,000 | 1,608 |
| Total noninterest expense | $1,871,000 | 2,370 |
| Salaries and employee benefits | $898,000 | 2,685 |
| Premises and equipment expense | $137,000 | 4,043 |
| Additional noninterest expense | $836,000 | 1,561 |
| Pre-tax net operating income | $1,822,000 | 1,348 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $608,000 | 1,181 |
| Income before extraordinary items | $1,214,000 | 1,492 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,214,000 | 1,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 917 |
| Cash dividends | $1,015,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 551 |
| Net operating income | $1,214,000 | 1,474 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,953,000 | 1,875 |
| Total interest expense | $5,782,000 | 1,946 |
| Net interest income | $12,171,000 | 1,796 |
| Provision for loan and lease losses | $365,000 | 2,427 |
| Total noninterest income | $2,594,000 | 1,819 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,323,000 | 1,338 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,271,000 | 1,878 |
| Total noninterest expense | $7,243,000 | 2,311 |
| Salaries and employee benefits | $3,614,000 | 2,529 |
| Premises and equipment expense | $607,000 | 3,623 |
| Additional noninterest expense | $3,022,000 | 1,667 |
| Pre-tax net operating income | $7,157,000 | 1,336 |
| Securities gains (losses) | $-5,000 | 7,296 |
| Applicable income taxes | $2,370,000 | 1,190 |
| Income before extraordinary items | $4,782,000 | 1,477 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,782,000 | 1,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $582,000 | 1,023 |
| Cash dividends | $3,665,000 | 880 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,785,350 | 1,460 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,200,000 | 1,865 |
| Total interest expense | $4,185,000 | 1,910 |
| Net interest income | $9,015,000 | 1,815 |
| Provision for loan and lease losses | $274,000 | 2,364 |
| Total noninterest income | $1,977,000 | 1,791 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $981,000 | 1,333 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $996,000 | 1,820 |
| Total noninterest expense | $5,487,000 | 2,270 |
| Salaries and employee benefits | $2,746,000 | 2,456 |
| Premises and equipment expense | $475,000 | 3,484 |
| Additional noninterest expense | $2,266,000 | 1,662 |
| Pre-tax net operating income | $5,231,000 | 1,379 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,726,000 | 1,230 |
| Income before extraordinary items | $3,505,000 | 1,512 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,505,000 | 1,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,163 |
| Cash dividends | $2,795,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,505,000 | 1,489 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,532,000 | 1,870 |
| Total interest expense | $2,624,000 | 1,898 |
| Net interest income | $5,908,000 | 1,828 |
| Provision for loan and lease losses | $183,000 | 2,286 |
| Total noninterest income | $1,262,000 | 1,855 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $630,000 | 1,348 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $632,000 | 1,863 |
| Total noninterest expense | $3,616,000 | 2,267 |
| Salaries and employee benefits | $1,811,000 | 2,467 |
| Premises and equipment expense | $315,000 | 3,483 |
| Additional noninterest expense | $1,490,000 | 1,658 |
| Pre-tax net operating income | $3,371,000 | 1,391 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,105,000 | 1,255 |
| Income before extraordinary items | $2,266,000 | 1,523 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,266,000 | 1,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,494 |
| Cash dividends | $1,975,000 | 753 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,266,000 | 1,497 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,141,000 | 1,877 |
| Total interest expense | $1,245,000 | 1,903 |
| Net interest income | $2,896,000 | 1,851 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $613,000 | 1,846 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $298,000 | 1,380 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $315,000 | 1,843 |
| Total noninterest expense | $1,807,000 | 2,297 |
| Salaries and employee benefits | $904,000 | 2,488 |
| Premises and equipment expense | $162,000 | 3,432 |
| Additional noninterest expense | $741,000 | 1,657 |
| Pre-tax net operating income | $1,602,000 | 1,427 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $519,000 | 1,312 |
| Income before extraordinary items | $1,083,000 | 1,553 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,083,000 | 1,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 1,037 |
| Cash dividends | $950,000 | 713 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,083,000 | 1,531 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,061,000 | 4,233 |
| Total interest expense | $1,674,000 | 4,187 |
| Net interest income | $4,387,000 | 4,195 |
| Provision for loan and lease losses | $101,000 | 4,958 |
| Total noninterest income | $656,000 | 4,581 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $361,000 | 3,866 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $295,000 | 4,303 |
| Total noninterest expense | $2,490,000 | 5,326 |
| Salaries and employee benefits | $1,317,000 | 5,392 |
| Premises and equipment expense | $190,000 | 6,867 |
| Additional noninterest expense | $983,000 | 4,410 |
| Pre-tax net operating income | $2,452,000 | 3,054 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $869,000 | 2,388 |
| Income before extraordinary items | $1,583,000 | 3,500 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,583,000 | 3,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,429 |
| Cash dividends | $745,000 | 2,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,583,000 | 3,422 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,507,000 | 4,237 |
| Total interest expense | $1,256,000 | 4,134 |
| Net interest income | $3,251,000 | 4,223 |
| Provision for loan and lease losses | $63,000 | 5,070 |
| Total noninterest income | $485,000 | 4,628 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $259,000 | 4,008 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $226,000 | 4,260 |
| Total noninterest expense | $1,837,000 | 5,345 |
| Salaries and employee benefits | $969,000 | 5,427 |
| Premises and equipment expense | $151,000 | 6,711 |
| Additional noninterest expense | $717,000 | 4,441 |
| Pre-tax net operating income | $1,836,000 | 3,102 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $651,000 | 2,430 |
| Income before extraordinary items | $1,185,000 | 3,575 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,185,000 | 3,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 2,582 |
| Cash dividends | $370,000 | 3,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,185,000 | 3,504 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,964,000 | 4,291 |
| Total interest expense | $821,000 | 4,203 |
| Net interest income | $2,143,000 | 4,268 |
| Provision for loan and lease losses | $36,000 | 5,137 |
| Total noninterest income | $318,000 | 4,669 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $162,000 | 4,157 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $156,000 | 4,232 |
| Total noninterest expense | $1,197,000 | 5,451 |
| Salaries and employee benefits | $629,000 | 5,538 |
| Premises and equipment expense | $104,000 | 6,700 |
| Additional noninterest expense | $464,000 | 4,578 |
| Pre-tax net operating income | $1,228,000 | 3,063 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $436,000 | 2,422 |
| Income before extraordinary items | $792,000 | 3,542 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $792,000 | 3,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,193 |
| Cash dividends | $370,000 | 2,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $792,000 | 3,457 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,470,000 | 4,328 |
| Total interest expense | $418,000 | 4,193 |
| Net interest income | $1,052,000 | 4,326 |
| Provision for loan and lease losses | $18,000 | 4,919 |
| Total noninterest income | $153,000 | 4,726 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $74,000 | 4,298 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $79,000 | 4,203 |
| Total noninterest expense | $586,000 | 5,526 |
| Salaries and employee benefits | $315,000 | 5,582 |
| Premises and equipment expense | $52,000 | 6,694 |
| Additional noninterest expense | $219,000 | 4,739 |
| Pre-tax net operating income | $601,000 | 3,074 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $216,000 | 2,444 |
| Income before extraordinary items | $385,000 | 3,612 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $385,000 | 3,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,637 |
| Cash dividends | $140,000 | 2,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $385,000 | 3,491 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,889,000 | 4,358 |
| Total interest expense | $1,817,000 | 4,325 |
| Net interest income | $4,072,000 | 4,309 |
| Provision for loan and lease losses | $64,000 | 5,932 |
| Total noninterest income | $556,000 | 5,155 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $263,000 | 4,627 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $293,000 | 4,561 |
| Total noninterest expense | $2,432,000 | 5,317 |
| Salaries and employee benefits | $1,202,000 | 5,635 |
| Premises and equipment expense | $217,000 | 6,578 |
| Additional noninterest expense | $1,013,000 | 4,232 |
| Pre-tax net operating income | $2,132,000 | 3,252 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $753,000 | 2,641 |
| Income before extraordinary items | $1,379,000 | 3,775 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,379,000 | 3,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,681 |
| Cash dividends | $1,290,000 | 1,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,379,000 | 3,616 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,426,000 | 4,404 |
| Total interest expense | $1,370,000 | 4,435 |
| Net interest income | $3,056,000 | 4,337 |
| Provision for loan and lease losses | $40,000 | 6,097 |
| Total noninterest income | $403,000 | 5,293 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $187,000 | 4,787 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $216,000 | 4,638 |
| Total noninterest expense | $1,778,000 | 5,378 |
| Salaries and employee benefits | $895,000 | 5,616 |
| Premises and equipment expense | $141,000 | 6,941 |
| Additional noninterest expense | $742,000 | 4,297 |
| Pre-tax net operating income | $1,641,000 | 3,316 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $586,000 | 2,716 |
| Income before extraordinary items | $1,055,000 | 3,858 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,055,000 | 3,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $1,040,000 | 1,690 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,055,000 | 3,695 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,971,000 | 4,411 |
| Total interest expense | $917,000 | 4,533 |
| Net interest income | $2,054,000 | 4,315 |
| Provision for loan and lease losses | $16,000 | 6,529 |
| Total noninterest income | $253,000 | 5,434 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $140,000 | 4,453 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $113,000 | 5,110 |
| Total noninterest expense | $1,168,000 | 5,421 |
| Salaries and employee benefits | $592,000 | 5,660 |
| Premises and equipment expense | $89,000 | 7,056 |
| Additional noninterest expense | $487,000 | 4,331 |
| Pre-tax net operating income | $1,123,000 | 3,237 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $405,000 | 2,665 |
| Income before extraordinary items | $718,000 | 3,795 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $718,000 | 3,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,092 |
| Cash dividends | $1,040,000 | 1,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $718,000 | 3,601 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,480,000 | 4,453 |
| Total interest expense | $455,000 | 4,633 |
| Net interest income | $1,025,000 | 4,323 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $124,000 | 5,379 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 4,383 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 5,123 |
| Total noninterest expense | $573,000 | 5,497 |
| Salaries and employee benefits | $292,000 | 5,706 |
| Premises and equipment expense | $42,000 | 7,220 |
| Additional noninterest expense | $239,000 | 4,360 |
| Pre-tax net operating income | $576,000 | 3,171 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $218,000 | 2,557 |
| Income before extraordinary items | $358,000 | 3,747 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $358,000 | 3,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $180,000 | 2,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $358,000 | 3,572 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,911,000 | 4,610 |
| Total interest expense | $2,234,000 | 4,474 |
| Net interest income | $3,677,000 | 4,603 |
| Provision for loan and lease losses | $109,000 | 5,586 |
| Total noninterest income | $377,000 | 5,926 |
| Gross Fiduciary activities income | $19,000 | 1,303 |
| Service charges on deposit accounts | $232,000 | 4,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $126,000 | 5,962 |
| Total noninterest expense | $1,944,000 | 5,968 |
| Salaries and employee benefits | $1,083,000 | 5,860 |
| Premises and equipment expense | $205,000 | 6,726 |
| Additional noninterest expense | $656,000 | 5,626 |
| Pre-tax net operating income | $2,001,000 | 3,426 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $727,000 | 2,762 |
| Income before extraordinary items | $1,274,000 | 3,927 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,274,000 | 3,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,483 |
| Cash dividends | $780,000 | 2,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,274,000 | 3,828 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,244,000 | 4,828 |
| Total interest expense | $3,142,000 | 4,559 |
| Net interest income | $3,102,000 | 4,940 |
| Provision for loan and lease losses | $258,000 | 3,528 |
| Total noninterest income | $367,000 | 5,905 |
| Gross Fiduciary activities income | $32,000 | 1,221 |
| Service charges on deposit accounts | $244,000 | 4,701 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $91,000 | 6,630 |
| Total noninterest expense | $1,697,000 | 6,342 |
| Salaries and employee benefits | $951,000 | 6,163 |
| Premises and equipment expense | $187,000 | 6,973 |
| Additional noninterest expense | $559,000 | 6,106 |
| Pre-tax net operating income | $1,514,000 | 3,835 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $524,000 | 3,251 |
| Income before extraordinary items | $990,000 | 4,314 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $990,000 | 4,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 1,879 |
| Cash dividends | $580,000 | 3,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $990,000 | 4,194 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,078,000 | 5,035 |
| Total interest expense | $3,312,000 | 4,565 |
| Net interest income | $2,766,000 | 5,446 |
| Provision for loan and lease losses | $75,000 | 5,850 |
| Total noninterest income | $487,000 | 4,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 4,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $271,000 | 4,138 |
| Total noninterest expense | $1,727,000 | 6,218 |
| Salaries and employee benefits | $1,044,000 | 5,756 |
| Premises and equipment expense | $217,000 | 6,509 |
| Additional noninterest expense | $466,000 | 6,666 |
| Pre-tax net operating income | $1,451,000 | 4,155 |
| Securities gains (losses) | $-12,000 | 8,439 |
| Applicable income taxes | $479,000 | 3,584 |
| Income before extraordinary items | $960,000 | 4,499 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $960,000 | 4,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,825 |
| Cash dividends | $5,220,000 | 603 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $968,040 | 4,477 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,326,000 | 5,349 |
| Total interest expense | $2,589,000 | 5,093 |
| Net interest income | $2,737,000 | 5,493 |
| Provision for loan and lease losses | $123,000 | 4,690 |
| Total noninterest income | $450,000 | 5,277 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 4,979 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,546 |
| Total noninterest expense | $1,627,000 | 6,466 |
| Salaries and employee benefits | $927,000 | 6,194 |
| Premises and equipment expense | $120,000 | 8,235 |
| Additional noninterest expense | $580,000 | 5,949 |
| Pre-tax net operating income | $1,437,000 | 4,216 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $491,000 | 3,679 |
| Income before extraordinary items | $946,000 | 4,593 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $946,000 | 4,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,737 |
| Cash dividends | $666,000 | 2,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $946,000 | 4,555 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,311,000 | 5,441 |
| Total interest expense | $2,644,000 | 5,174 |
| Net interest income | $2,667,000 | 5,588 |
| Provision for loan and lease losses | $184,000 | 3,684 |
| Total noninterest income | $489,000 | 5,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 4,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $275,000 | 4,203 |
| Total noninterest expense | $1,530,000 | 6,600 |
| Salaries and employee benefits | $883,000 | 6,288 |
| Premises and equipment expense | $233,000 | 6,215 |
| Additional noninterest expense | $414,000 | 7,106 |
| Pre-tax net operating income | $1,442,000 | 4,305 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $502,000 | 3,824 |
| Income before extraordinary items | $940,000 | 4,684 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $940,000 | 4,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,683 |
| Cash dividends | $630,000 | 3,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $940,000 | 4,597 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,052,000 | 5,764 |
| Total interest expense | $2,434,000 | 5,512 |
| Net interest income | $2,618,000 | 5,866 |
| Provision for loan and lease losses | $130,000 | 4,446 |
| Total noninterest income | $317,000 | 6,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,075 |
| Total noninterest expense | $1,502,000 | 6,775 |
| Salaries and employee benefits | $816,000 | 6,698 |
| Premises and equipment expense | $254,000 | 6,002 |
| Additional noninterest expense | $432,000 | 7,087 |
| Pre-tax net operating income | $1,303,000 | 4,950 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $439,000 | 4,606 |
| Income before extraordinary items | $864,000 | 5,204 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $864,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,018 |
| Cash dividends | $560,000 | 3,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $864,000 | 5,142 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,285,000 | 5,686 |
| Total interest expense | $2,509,000 | 5,500 |
| Net interest income | $2,776,000 | 5,768 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $294,000 | 7,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 6,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,619 |
| Total noninterest expense | $1,522,000 | 7,047 |
| Salaries and employee benefits | $837,000 | 6,790 |
| Premises and equipment expense | $235,000 | 6,465 |
| Additional noninterest expense | $450,000 | 7,469 |
| Pre-tax net operating income | $1,368,000 | 4,659 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $436,000 | 4,616 |
| Income before extraordinary items | $932,000 | 4,753 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $932,000 | 4,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $416,000 | 3,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $932,000 | 4,703 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,152,000 | 5,856 |
| Total interest expense | $2,498,000 | 5,574 |
| Net interest income | $2,654,000 | 6,036 |
| Provision for loan and lease losses | $408,000 | 1,839 |
| Total noninterest income | $223,000 | 8,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 6,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,981 |
| Total noninterest expense | $1,517,000 | 7,214 |
| Salaries and employee benefits | $813,000 | 7,041 |
| Premises and equipment expense | $222,000 | 6,802 |
| Additional noninterest expense | $482,000 | 7,411 |
| Pre-tax net operating income | $952,000 | 6,188 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $274,000 | 6,313 |
| Income before extraordinary items | $678,000 | 6,128 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $678,000 | 6,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 1,925 |
| Cash dividends | $280,000 | 4,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $678,000 | 6,105 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,968,000 | 5,700 |
| Total interest expense | $2,370,000 | 4,858 |
| Net interest income | $2,598,000 | 6,271 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $241,000 | 8,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,880 |
| Total noninterest expense | $1,612,000 | 7,261 |
| Salaries and employee benefits | $823,000 | 7,075 |
| Premises and equipment expense | $215,000 | 7,137 |
| Additional noninterest expense | $574,000 | 7,223 |
| Pre-tax net operating income | $1,107,000 | 5,547 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $304,000 | 5,828 |
| Income before extraordinary items | $803,000 | 5,352 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $803,000 | 5,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,513 |
| Cash dividends | $279,000 | 4,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $803,000 | 5,417 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,210,000 | 5,574 |
| Total interest expense | $2,536,000 | 4,747 |
| Net interest income | $2,674,000 | 6,214 |
| Provision for loan and lease losses | $240,000 | 3,470 |
| Total noninterest income | $198,000 | 9,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 8,052 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,379 |
| Total noninterest expense | $1,402,000 | 8,176 |
| Salaries and employee benefits | $773,000 | 7,480 |
| Premises and equipment expense | $102,000 | 10,386 |
| Additional noninterest expense | $527,000 | 7,978 |
| Pre-tax net operating income | $1,230,000 | 5,098 |
| Securities gains (losses) | $220,000 | 1,588 |
| Applicable income taxes | $394,000 | 5,065 |
| Income before extraordinary items | $1,056,000 | 4,478 |
| Extraordinary gains, net | $17,000 | 2,772 |
| Net income | $1,073,000 | 4,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,874 |
| Cash dividends | $170,000 | 5,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $895,400 | 4,894 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,632,000 | 5,787 |
| Total interest expense | $2,961,000 | 5,221 |
| Net interest income | $2,671,000 | 6,268 |
| Provision for loan and lease losses | $180,000 | 5,503 |
| Total noninterest income | $222,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 7,857 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 8,137 |
| Total noninterest expense | $1,307,000 | 8,640 |
| Salaries and employee benefits | $749,000 | 7,615 |
| Premises and equipment expense | $87,000 | 11,223 |
| Additional noninterest expense | $471,000 | 8,741 |
| Pre-tax net operating income | $1,406,000 | 4,296 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $374,000 | 5,049 |
| Income before extraordinary items | $1,030,000 | 4,373 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,030,000 | 4,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 5,269 |
| Cash dividends | $152,000 | 5,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,031,460 | 4,060 |
* 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.