Home > United Community Bank > Income and Expense
United Community Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $80,821,000 | 535 |
| Total interest expense | $35,945,000 | 563 |
| Net interest income | $44,876,000 | 506 |
| Provision for loan and lease losses | $19,300,000 | 164 |
| Total noninterest income | $9,957,000 | 613 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $5,016,000 | 354 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,941,000 | 685 |
| Total noninterest expense | $28,772,000 | 654 |
| Salaries and employee benefits | $12,228,000 | 803 |
| Premises and equipment expense | $2,296,000 | 1,152 |
| Additional noninterest expense | $14,248,000 | 446 |
| Pre-tax net operating income | $6,761,000 | 1,256 |
| Securities gains (losses) | $251,000 | 399 |
| Applicable income taxes | $2,045,000 | 1,119 |
| Income before extraordinary items | $4,967,000 | 1,294 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,967,000 | 1,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,518,000 | 117 |
| Cash dividends | $13,500,000 | 322 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,788,790 | 1,327 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $60,547,000 | 534 |
| Total interest expense | $26,901,000 | 560 |
| Net interest income | $33,646,000 | 506 |
| Provision for loan and lease losses | $15,975,000 | 115 |
| Total noninterest income | $7,513,000 | 616 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,765,000 | 351 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,748,000 | 688 |
| Total noninterest expense | $21,575,000 | 643 |
| Salaries and employee benefits | $9,337,000 | 788 |
| Premises and equipment expense | $1,906,000 | 1,030 |
| Additional noninterest expense | $10,332,000 | 442 |
| Pre-tax net operating income | $3,609,000 | 1,819 |
| Securities gains (losses) | $-56,000 | 8,195 |
| Applicable income taxes | $815,000 | 1,892 |
| Income before extraordinary items | $2,738,000 | 1,843 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,738,000 | 1,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 1,763 |
| Cash dividends | $13,500,000 | 267 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,781,120 | 1,801 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $39,839,000 | 554 |
| Total interest expense | $17,639,000 | 581 |
| Net interest income | $22,200,000 | 525 |
| Provision for loan and lease losses | $15,650,000 | 90 |
| Total noninterest income | $4,930,000 | 649 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,532,000 | 355 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,398,000 | 734 |
| Total noninterest expense | $13,942,000 | 675 |
| Salaries and employee benefits | $6,134,000 | 823 |
| Premises and equipment expense | $1,254,000 | 1,060 |
| Additional noninterest expense | $6,554,000 | 469 |
| Pre-tax net operating income | $-2,462,000 | 8,568 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-1,320,000 | 8,587 |
| Income before extraordinary items | $-1,142,000 | 8,506 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,142,000 | 8,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 1,273 |
| Cash dividends | $13,500,000 | 212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-1,142,000 | 8,496 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $19,733,000 | 555 |
| Total interest expense | $8,643,000 | 586 |
| Net interest income | $11,090,000 | 522 |
| Provision for loan and lease losses | $325,000 | 744 |
| Total noninterest income | $2,415,000 | 640 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,206,000 | 362 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,209,000 | 702 |
| Total noninterest expense | $6,942,000 | 680 |
| Salaries and employee benefits | $3,036,000 | 836 |
| Premises and equipment expense | $631,000 | 1,054 |
| Additional noninterest expense | $3,275,000 | 456 |
| Pre-tax net operating income | $6,238,000 | 461 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,277,000 | 415 |
| Income before extraordinary items | $3,961,000 | 493 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,961,000 | 492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 1,903 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $3,961,000 | 483 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $71,703,000 | 563 |
| Total interest expense | $28,338,000 | 604 |
| Net interest income | $43,365,000 | 527 |
| Provision for loan and lease losses | $1,297,000 | 807 |
| Total noninterest income | $8,853,000 | 674 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,589,000 | 371 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,264,000 | 769 |
| Total noninterest expense | $24,577,000 | 717 |
| Salaries and employee benefits | $10,625,000 | 905 |
| Premises and equipment expense | $2,095,000 | 1,226 |
| Additional noninterest expense | $11,857,000 | 486 |
| Pre-tax net operating income | $26,344,000 | 448 |
| Securities gains (losses) | $-238,000 | 8,412 |
| Applicable income taxes | $9,538,000 | 411 |
| Income before extraordinary items | $16,568,000 | 489 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $16,568,000 | 488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $939,000 | 733 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $16,720,320 | 472 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $53,369,000 | 578 |
| Total interest expense | $19,966,000 | 628 |
| Net interest income | $33,403,000 | 525 |
| Provision for loan and lease losses | $973,000 | 773 |
| Total noninterest income | $6,485,000 | 704 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $3,392,000 | 380 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,093,000 | 797 |
| Total noninterest expense | $19,090,000 | 716 |
| Salaries and employee benefits | $8,996,000 | 804 |
| Premises and equipment expense | $1,518,000 | 1,285 |
| Additional noninterest expense | $8,576,000 | 508 |
| Pre-tax net operating income | $19,825,000 | 465 |
| Securities gains (losses) | $-238,000 | 8,559 |
| Applicable income taxes | $7,156,000 | 432 |
| Income before extraordinary items | $12,431,000 | 507 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $12,431,000 | 506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $664,000 | 646 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $12,583,320 | 488 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $34,303,000 | 588 |
| Total interest expense | $12,564,000 | 631 |
| Net interest income | $21,739,000 | 539 |
| Provision for loan and lease losses | $648,000 | 766 |
| Total noninterest income | $4,284,000 | 710 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,253,000 | 380 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,031,000 | 806 |
| Total noninterest expense | $12,227,000 | 734 |
| Salaries and employee benefits | $5,840,000 | 833 |
| Premises and equipment expense | $1,009,000 | 1,290 |
| Additional noninterest expense | $5,378,000 | 526 |
| Pre-tax net operating income | $13,148,000 | 467 |
| Securities gains (losses) | $-238,000 | 8,645 |
| Applicable income taxes | $4,719,000 | 438 |
| Income before extraordinary items | $8,191,000 | 505 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,191,000 | 504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $512,000 | 550 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $8,343,320 | 491 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $16,612,000 | 585 |
| Total interest expense | $5,794,000 | 643 |
| Net interest income | $10,818,000 | 537 |
| Provision for loan and lease losses | $324,000 | 733 |
| Total noninterest income | $2,102,000 | 709 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,094,000 | 381 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,008,000 | 800 |
| Total noninterest expense | $5,635,000 | 793 |
| Salaries and employee benefits | $2,832,000 | 869 |
| Premises and equipment expense | $484,000 | 1,344 |
| Additional noninterest expense | $2,319,000 | 605 |
| Pre-tax net operating income | $6,961,000 | 442 |
| Securities gains (losses) | $-238,000 | 8,722 |
| Applicable income taxes | $2,461,000 | 419 |
| Income before extraordinary items | $4,262,000 | 494 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,262,000 | 493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 407 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $4,414,320 | 475 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $58,913,000 | 581 |
| Total interest expense | $19,431,000 | 596 |
| Net interest income | $39,482,000 | 564 |
| Provision for loan and lease losses | $1,280,000 | 820 |
| Total noninterest income | $8,548,000 | 695 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $4,498,000 | 378 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,050,000 | 791 |
| Total noninterest expense | $23,521,000 | 729 |
| Salaries and employee benefits | $10,506,000 | 865 |
| Premises and equipment expense | $2,004,000 | 1,230 |
| Additional noninterest expense | $11,011,000 | 513 |
| Pre-tax net operating income | $23,229,000 | 479 |
| Securities gains (losses) | $-115,000 | 8,460 |
| Applicable income taxes | $8,278,000 | 446 |
| Income before extraordinary items | $14,836,000 | 527 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $14,836,000 | 527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $873,000 | 756 |
| Cash dividends | $6,500,000 | 522 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $14,909,600 | 510 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $42,761,000 | 575 |
| Total interest expense | $13,801,000 | 591 |
| Net interest income | $28,960,000 | 566 |
| Provision for loan and lease losses | $1,023,000 | 741 |
| Total noninterest income | $6,394,000 | 701 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,360,000 | 376 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,034,000 | 800 |
| Total noninterest expense | $17,545,000 | 721 |
| Salaries and employee benefits | $7,823,000 | 865 |
| Premises and equipment expense | $1,544,000 | 1,174 |
| Additional noninterest expense | $8,178,000 | 518 |
| Pre-tax net operating income | $16,786,000 | 491 |
| Securities gains (losses) | $-37,000 | 8,389 |
| Applicable income taxes | $5,987,000 | 460 |
| Income before extraordinary items | $10,762,000 | 530 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,762,000 | 530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $639,000 | 687 |
| Cash dividends | $6,500,000 | 388 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $10,785,680 | 519 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $27,200,000 | 577 |
| Total interest expense | $8,596,000 | 594 |
| Net interest income | $18,604,000 | 574 |
| Provision for loan and lease losses | $765,000 | 662 |
| Total noninterest income | $4,244,000 | 696 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,200,000 | 377 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,044,000 | 792 |
| Total noninterest expense | $11,552,000 | 720 |
| Salaries and employee benefits | $5,135,000 | 866 |
| Premises and equipment expense | $1,016,000 | 1,184 |
| Additional noninterest expense | $5,401,000 | 521 |
| Pre-tax net operating income | $10,531,000 | 510 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,764,000 | 479 |
| Income before extraordinary items | $6,767,000 | 555 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,767,000 | 555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 689 |
| Cash dividends | $6,500,000 | 274 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $6,767,000 | 540 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,974,000 | 587 |
| Total interest expense | $3,968,000 | 608 |
| Net interest income | $9,006,000 | 584 |
| Provision for loan and lease losses | $508,000 | 463 |
| Total noninterest income | $1,858,000 | 758 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,056,000 | 381 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $802,000 | 947 |
| Total noninterest expense | $5,588,000 | 747 |
| Salaries and employee benefits | $2,485,000 | 896 |
| Premises and equipment expense | $488,000 | 1,238 |
| Additional noninterest expense | $2,615,000 | 530 |
| Pre-tax net operating income | $4,768,000 | 541 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,704,000 | 515 |
| Income before extraordinary items | $3,064,000 | 597 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,064,000 | 597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 671 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,064,000 | 581 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $43,889,000 | 643 |
| Total interest expense | $12,179,000 | 668 |
| Net interest income | $31,710,000 | 634 |
| Provision for loan and lease losses | $2,100,000 | 514 |
| Total noninterest income | $7,374,000 | 765 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,448,000 | 388 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,926,000 | 1,006 |
| Total noninterest expense | $21,945,000 | 742 |
| Salaries and employee benefits | $9,379,000 | 920 |
| Premises and equipment expense | $1,966,000 | 1,166 |
| Additional noninterest expense | $10,600,000 | 514 |
| Pre-tax net operating income | $15,039,000 | 614 |
| Securities gains (losses) | $194,000 | 846 |
| Applicable income taxes | $5,292,000 | 582 |
| Income before extraordinary items | $9,941,000 | 670 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,941,000 | 671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 1,958 |
| Cash dividends | $5,000,000 | 614 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $9,814,900 | 657 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $31,760,000 | 653 |
| Total interest expense | $8,869,000 | 677 |
| Net interest income | $22,891,000 | 649 |
| Provision for loan and lease losses | $1,575,000 | 505 |
| Total noninterest income | $5,419,000 | 791 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,340,000 | 391 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,079,000 | 1,050 |
| Total noninterest expense | $16,378,000 | 733 |
| Salaries and employee benefits | $6,956,000 | 925 |
| Premises and equipment expense | $1,519,000 | 1,132 |
| Additional noninterest expense | $7,903,000 | 511 |
| Pre-tax net operating income | $10,357,000 | 664 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $3,586,000 | 631 |
| Income before extraordinary items | $6,771,000 | 745 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,771,000 | 746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 1,807 |
| Cash dividends | $5,000,000 | 454 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,771,000 | 718 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $20,663,000 | 662 |
| Total interest expense | $5,882,000 | 667 |
| Net interest income | $14,781,000 | 659 |
| Provision for loan and lease losses | $1,050,000 | 497 |
| Total noninterest income | $3,640,000 | 795 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,246,000 | 384 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,394,000 | 1,042 |
| Total noninterest expense | $10,871,000 | 735 |
| Salaries and employee benefits | $4,601,000 | 928 |
| Premises and equipment expense | $1,021,000 | 1,132 |
| Additional noninterest expense | $5,249,000 | 510 |
| Pre-tax net operating income | $6,500,000 | 695 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,235,000 | 662 |
| Income before extraordinary items | $4,265,000 | 772 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,265,000 | 772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 1,527 |
| Cash dividends | $5,000,000 | 326 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,265,000 | 739 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $10,214,000 | 678 |
| Total interest expense | $2,982,000 | 678 |
| Net interest income | $7,232,000 | 676 |
| Provision for loan and lease losses | $525,000 | 495 |
| Total noninterest income | $1,718,000 | 808 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,097,000 | 388 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $621,000 | 1,102 |
| Total noninterest expense | $5,368,000 | 750 |
| Salaries and employee benefits | $2,247,000 | 959 |
| Premises and equipment expense | $519,000 | 1,136 |
| Additional noninterest expense | $2,602,000 | 514 |
| Pre-tax net operating income | $3,057,000 | 733 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,055,000 | 702 |
| Income before extraordinary items | $2,002,000 | 828 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,002,000 | 828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,783 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,002,000 | 780 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $39,446,000 | 708 |
| Total interest expense | $13,408,000 | 662 |
| Net interest income | $26,038,000 | 726 |
| Provision for loan and lease losses | $140,000 | 4,692 |
| Total noninterest income | $6,790,000 | 882 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $4,128,000 | 413 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,662,000 | 1,180 |
| Total noninterest expense | $21,158,000 | 761 |
| Salaries and employee benefits | $8,525,000 | 1,003 |
| Premises and equipment expense | $1,866,000 | 1,203 |
| Additional noninterest expense | $10,767,000 | 522 |
| Pre-tax net operating income | $11,530,000 | 759 |
| Securities gains (losses) | $338,000 | 979 |
| Applicable income taxes | $4,141,000 | 722 |
| Income before extraordinary items | $7,727,000 | 839 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,727,000 | 841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $557,000 | 1,477 |
| Cash dividends | $5,000,000 | 626 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,507,300 | 802 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $29,384,000 | 737 |
| Total interest expense | $10,176,000 | 682 |
| Net interest income | $19,208,000 | 751 |
| Provision for loan and lease losses | $105,000 | 4,577 |
| Total noninterest income | $5,493,000 | 868 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $3,074,000 | 427 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,419,000 | 1,089 |
| Total noninterest expense | $16,062,000 | 766 |
| Salaries and employee benefits | $6,380,000 | 1,015 |
| Premises and equipment expense | $1,432,000 | 1,195 |
| Additional noninterest expense | $8,250,000 | 522 |
| Pre-tax net operating income | $8,534,000 | 797 |
| Securities gains (losses) | $-170,000 | 9,147 |
| Applicable income taxes | $2,927,000 | 789 |
| Income before extraordinary items | $5,437,000 | 930 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,437,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $519,000 | 1,127 |
| Cash dividends | $5,000,000 | 478 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,547,500 | 846 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,779,000 | 736 |
| Total interest expense | $7,018,000 | 682 |
| Net interest income | $12,761,000 | 752 |
| Provision for loan and lease losses | $70,000 | 4,525 |
| Total noninterest income | $3,670,000 | 843 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,034,000 | 426 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,636,000 | 1,067 |
| Total noninterest expense | $10,881,000 | 759 |
| Salaries and employee benefits | $4,227,000 | 1,024 |
| Premises and equipment expense | $980,000 | 1,166 |
| Additional noninterest expense | $5,674,000 | 515 |
| Pre-tax net operating income | $5,480,000 | 820 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,429,000 | 1,021 |
| Income before extraordinary items | $4,051,000 | 834 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,051,000 | 835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $439,000 | 927 |
| Cash dividends | $5,000,000 | 343 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,051,000 | 769 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $9,991,000 | 739 |
| Total interest expense | $3,525,000 | 695 |
| Net interest income | $6,466,000 | 738 |
| Provision for loan and lease losses | $35,000 | 4,303 |
| Total noninterest income | $1,812,000 | 837 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $980,000 | 426 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $832,000 | 1,018 |
| Total noninterest expense | $5,068,000 | 800 |
| Salaries and employee benefits | $2,046,000 | 1,041 |
| Premises and equipment expense | $493,000 | 1,172 |
| Additional noninterest expense | $2,529,000 | 555 |
| Pre-tax net operating income | $3,175,000 | 721 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,111,000 | 716 |
| Income before extraordinary items | $2,064,000 | 820 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,064,000 | 819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 662 |
| Cash dividends | $5,000,000 | 181 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,064,000 | 757 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $41,979,000 | 722 |
| Total interest expense | $14,405,000 | 774 |
| Net interest income | $27,574,000 | 684 |
| Provision for loan and lease losses | $912,000 | 1,458 |
| Total noninterest income | $6,499,000 | 845 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,757,000 | 431 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,742,000 | 1,059 |
| Total noninterest expense | $17,752,000 | 884 |
| Salaries and employee benefits | $8,047,000 | 1,005 |
| Premises and equipment expense | $1,848,000 | 1,198 |
| Additional noninterest expense | $7,857,000 | 676 |
| Pre-tax net operating income | $15,409,000 | 568 |
| Securities gains (losses) | $-13,000 | 8,943 |
| Applicable income taxes | $5,288,000 | 566 |
| Income before extraordinary items | $10,108,000 | 621 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $10,108,000 | 622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,967 |
| Cash dividends | $4,500,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $10,116,580 | 598 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $49,766,000 | 707 |
| Total interest expense | $21,769,000 | 753 |
| Net interest income | $27,997,000 | 644 |
| Provision for loan and lease losses | $901,000 | 1,346 |
| Total noninterest income | $4,069,000 | 1,167 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,139,000 | 480 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $930,000 | 2,156 |
| Total noninterest expense | $17,564,000 | 857 |
| Salaries and employee benefits | $7,923,000 | 948 |
| Premises and equipment expense | $2,080,000 | 1,011 |
| Additional noninterest expense | $7,561,000 | 697 |
| Pre-tax net operating income | $13,601,000 | 584 |
| Securities gains (losses) | $88,000 | 1,855 |
| Applicable income taxes | $4,500,000 | 589 |
| Income before extraordinary items | $9,189,000 | 614 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $9,189,000 | 616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $664,000 | 1,253 |
| Cash dividends | $3,800,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $9,130,040 | 588 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $50,634,000 | 720 |
| Total interest expense | $26,127,000 | 700 |
| Net interest income | $24,507,000 | 728 |
| Provision for loan and lease losses | $1,496,000 | 767 |
| Total noninterest income | $3,587,000 | 1,155 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,364,000 | 564 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,223,000 | 1,635 |
| Total noninterest expense | $15,079,000 | 936 |
| Salaries and employee benefits | $7,389,000 | 949 |
| Premises and equipment expense | $2,271,000 | 880 |
| Additional noninterest expense | $5,419,000 | 899 |
| Pre-tax net operating income | $11,519,000 | 694 |
| Securities gains (losses) | $-260,000 | 9,619 |
| Applicable income taxes | $3,651,000 | 697 |
| Income before extraordinary items | $7,608,000 | 719 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,608,000 | 719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,259 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $7,784,800 | 701 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $39,816,000 | 853 |
| Total interest expense | $20,024,000 | 791 |
| Net interest income | $19,792,000 | 891 |
| Provision for loan and lease losses | $1,059,000 | 924 |
| Total noninterest income | $2,449,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,692,000 | 786 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $757,000 | 2,244 |
| Total noninterest expense | $13,631,000 | 1,025 |
| Salaries and employee benefits | $6,569,000 | 1,049 |
| Premises and equipment expense | $2,087,000 | 966 |
| Additional noninterest expense | $4,975,000 | 958 |
| Pre-tax net operating income | $7,551,000 | 1,028 |
| Securities gains (losses) | $28,000 | 1,229 |
| Applicable income taxes | $2,413,000 | 1,045 |
| Income before extraordinary items | $5,166,000 | 1,063 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,166,000 | 1,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,617 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,146,960 | 1,046 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $30,985,000 | 1,055 |
| Total interest expense | $15,285,000 | 1,034 |
| Net interest income | $15,700,000 | 1,075 |
| Provision for loan and lease losses | $900,000 | 1,057 |
| Total noninterest income | $1,841,000 | 1,958 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,285,000 | 963 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $556,000 | 2,791 |
| Total noninterest expense | $11,497,000 | 1,146 |
| Salaries and employee benefits | $5,872,000 | 1,107 |
| Premises and equipment expense | $1,516,000 | 1,268 |
| Additional noninterest expense | $4,109,000 | 1,103 |
| Pre-tax net operating income | $5,144,000 | 1,438 |
| Securities gains (losses) | $165,000 | 1,009 |
| Applicable income taxes | $1,774,000 | 1,404 |
| Income before extraordinary items | $3,535,000 | 1,494 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,535,000 | 1,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 1,785 |
| Cash dividends | $235,000 | 5,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,424,450 | 1,483 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,514,000 | 1,350 |
| Total interest expense | $12,800,000 | 1,250 |
| Net interest income | $11,714,000 | 1,475 |
| Provision for loan and lease losses | $1,420,000 | 758 |
| Total noninterest income | $1,518,000 | 2,175 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,135,000 | 1,103 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $383,000 | 3,375 |
| Total noninterest expense | $8,842,000 | 1,491 |
| Salaries and employee benefits | $4,297,000 | 1,516 |
| Premises and equipment expense | $1,066,000 | 1,862 |
| Additional noninterest expense | $3,479,000 | 1,260 |
| Pre-tax net operating income | $2,970,000 | 2,519 |
| Securities gains (losses) | $80,000 | 1,088 |
| Applicable income taxes | $903,000 | 2,652 |
| Income before extraordinary items | $2,147,000 | 2,418 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,147,000 | 2,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,018 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,091,000 | 2,429 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,161,000 | 1,970 |
| Total interest expense | $8,495,000 | 1,853 |
| Net interest income | $8,666,000 | 2,068 |
| Provision for loan and lease losses | $437,000 | 1,940 |
| Total noninterest income | $1,232,000 | 2,634 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $992,000 | 1,353 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $240,000 | 4,648 |
| Total noninterest expense | $5,709,000 | 2,410 |
| Salaries and employee benefits | $2,796,000 | 2,370 |
| Premises and equipment expense | $676,000 | 2,894 |
| Additional noninterest expense | $2,237,000 | 2,225 |
| Pre-tax net operating income | $3,752,000 | 1,930 |
| Securities gains (losses) | $15,000 | 2,201 |
| Applicable income taxes | $1,361,000 | 1,758 |
| Income before extraordinary items | $2,406,000 | 2,067 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,406,000 | 2,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,727 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,396,400 | 2,034 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,499,000 | 2,673 |
| Total interest expense | $6,493,000 | 2,394 |
| Net interest income | $6,006,000 | 2,969 |
| Provision for loan and lease losses | $400,000 | 1,857 |
| Total noninterest income | $928,000 | 3,285 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $732,000 | 1,856 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $196,000 | 5,191 |
| Total noninterest expense | $4,095,000 | 3,251 |
| Salaries and employee benefits | $1,937,000 | 3,401 |
| Premises and equipment expense | $543,000 | 3,498 |
| Additional noninterest expense | $1,615,000 | 2,888 |
| Pre-tax net operating income | $2,439,000 | 2,914 |
| Securities gains (losses) | $14,000 | 2,143 |
| Applicable income taxes | $748,000 | 3,049 |
| Income before extraordinary items | $1,705,000 | 2,881 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,705,000 | 2,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,002 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,695,200 | 2,870 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,262,000 | 3,627 |
| Total interest expense | $3,542,000 | 3,415 |
| Net interest income | $4,720,000 | 3,752 |
| Provision for loan and lease losses | $272,000 | 2,440 |
| Total noninterest income | $629,000 | 4,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $513,000 | 2,664 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,032 |
| Total noninterest expense | $3,103,000 | 4,288 |
| Salaries and employee benefits | $1,606,000 | 4,031 |
| Premises and equipment expense | $391,000 | 4,674 |
| Additional noninterest expense | $1,106,000 | 4,341 |
| Pre-tax net operating income | $1,974,000 | 3,463 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $629,000 | 3,368 |
| Income before extraordinary items | $1,341,000 | 3,499 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,341,000 | 3,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,783 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,343,720 | 3,524 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,530,000 | 4,594 |
| Total interest expense | $2,774,000 | 4,410 |
| Net interest income | $3,756,000 | 4,657 |
| Provision for loan and lease losses | $219,000 | 3,726 |
| Total noninterest income | $462,000 | 5,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $407,000 | 3,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 9,815 |
| Total noninterest expense | $2,518,000 | 5,249 |
| Salaries and employee benefits | $1,346,000 | 4,730 |
| Premises and equipment expense | $359,000 | 5,130 |
| Additional noninterest expense | $813,000 | 5,848 |
| Pre-tax net operating income | $1,481,000 | 4,370 |
| Securities gains (losses) | $25,000 | 4,353 |
| Applicable income taxes | $505,000 | 4,146 |
| Income before extraordinary items | $1,001,000 | 4,705 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,001,000 | 4,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $225,000 | 5,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $984,500 | 4,516 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,710,000 | 5,718 |
| Total interest expense | $2,843,000 | 5,396 |
| Net interest income | $2,867,000 | 5,936 |
| Provision for loan and lease losses | $54,000 | 8,887 |
| Total noninterest income | $415,000 | 6,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 4,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,594 |
| Total noninterest expense | $2,149,000 | 6,035 |
| Salaries and employee benefits | $1,138,000 | 5,430 |
| Premises and equipment expense | $336,000 | 5,522 |
| Additional noninterest expense | $675,000 | 6,916 |
| Pre-tax net operating income | $1,079,000 | 5,335 |
| Securities gains (losses) | $41,000 | 4,460 |
| Applicable income taxes | $362,000 | 5,194 |
| Income before extraordinary items | $758,000 | 5,590 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $758,000 | 5,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $501,000 | 2,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $730,120 | 5,404 |
* 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.