Home > United Community Bank Tennessee > Income and Expense
United Community Bank Tennessee, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,594,000 | 2,046 |
| Total interest expense | $2,116,000 | 1,736 |
| Net interest income | $2,478,000 | 2,345 |
| Provision for loan and lease losses | $152,000 | 1,411 |
| Total noninterest income | $410,000 | 2,511 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $247,000 | 1,707 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $163,000 | 2,822 |
| Total noninterest expense | $1,875,000 | 2,367 |
| Salaries and employee benefits | $929,000 | 2,616 |
| Premises and equipment expense | $204,000 | 2,974 |
| Additional noninterest expense | $742,000 | 1,766 |
| Pre-tax net operating income | $861,000 | 2,562 |
| Securities gains (losses) | $-36,000 | 8,504 |
| Applicable income taxes | $301,000 | 2,024 |
| Income before extraordinary items | $524,000 | 3,053 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $524,000 | 3,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 920 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $547,040 | 2,925 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,556,000 | 2,277 |
| Total interest expense | $5,300,000 | 2,087 |
| Net interest income | $9,256,000 | 2,390 |
| Provision for loan and lease losses | $555,000 | 1,750 |
| Total noninterest income | $1,644,000 | 2,543 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $903,000 | 1,901 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $741,000 | 2,667 |
| Total noninterest expense | $7,973,000 | 2,092 |
| Salaries and employee benefits | $3,755,000 | 2,430 |
| Premises and equipment expense | $847,000 | 2,743 |
| Additional noninterest expense | $3,371,000 | 1,504 |
| Pre-tax net operating income | $2,372,000 | 3,267 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $851,000 | 2,505 |
| Income before extraordinary items | $1,521,000 | 3,755 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,521,000 | 3,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,377 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,521,000 | 3,719 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,279,000 | 2,356 |
| Total interest expense | $3,659,000 | 2,134 |
| Net interest income | $6,620,000 | 2,460 |
| Provision for loan and lease losses | $416,000 | 1,666 |
| Total noninterest income | $1,218,000 | 2,553 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $665,000 | 1,931 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $553,000 | 2,689 |
| Total noninterest expense | $5,922,000 | 2,091 |
| Salaries and employee benefits | $2,797,000 | 2,406 |
| Premises and equipment expense | $631,000 | 2,748 |
| Additional noninterest expense | $2,494,000 | 1,510 |
| Pre-tax net operating income | $1,500,000 | 3,754 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $537,000 | 2,821 |
| Income before extraordinary items | $963,000 | 4,267 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $963,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,062 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $963,000 | 4,216 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,460,000 | 2,437 |
| Total interest expense | $2,307,000 | 2,134 |
| Net interest income | $4,153,000 | 2,563 |
| Provision for loan and lease losses | $278,000 | 1,640 |
| Total noninterest income | $768,000 | 2,613 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $413,000 | 2,017 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $355,000 | 2,742 |
| Total noninterest expense | $3,867,000 | 2,114 |
| Salaries and employee benefits | $1,815,000 | 2,457 |
| Premises and equipment expense | $407,000 | 2,803 |
| Additional noninterest expense | $1,645,000 | 1,514 |
| Pre-tax net operating income | $776,000 | 4,348 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $278,000 | 3,229 |
| Income before extraordinary items | $498,000 | 4,898 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $498,000 | 4,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 2,762 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $498,000 | 4,851 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,039,000 | 2,543 |
| Total interest expense | $1,076,000 | 2,180 |
| Net interest income | $1,963,000 | 2,685 |
| Provision for loan and lease losses | $139,000 | 1,568 |
| Total noninterest income | $366,000 | 2,650 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $199,000 | 2,010 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $167,000 | 2,787 |
| Total noninterest expense | $1,925,000 | 2,149 |
| Salaries and employee benefits | $908,000 | 2,480 |
| Premises and equipment expense | $211,000 | 2,733 |
| Additional noninterest expense | $806,000 | 1,539 |
| Pre-tax net operating income | $265,000 | 5,312 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $95,000 | 3,849 |
| Income before extraordinary items | $170,000 | 5,808 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $170,000 | 5,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,179 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $170,000 | 5,772 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,871,000 | 2,873 |
| Total interest expense | $3,020,000 | 2,620 |
| Net interest income | $6,851,000 | 2,950 |
| Provision for loan and lease losses | $250,000 | 3,237 |
| Total noninterest income | $1,608,000 | 2,557 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $899,000 | 1,937 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $709,000 | 2,688 |
| Total noninterest expense | $6,956,000 | 2,295 |
| Salaries and employee benefits | $3,233,000 | 2,659 |
| Premises and equipment expense | $722,000 | 3,052 |
| Additional noninterest expense | $3,001,000 | 1,625 |
| Pre-tax net operating income | $1,253,000 | 4,693 |
| Securities gains (losses) | $11,000 | 2,784 |
| Applicable income taxes | $441,000 | 3,547 |
| Income before extraordinary items | $823,000 | 5,203 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $823,000 | 5,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,112 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $815,850 | 5,155 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,971,000 | 2,982 |
| Total interest expense | $2,111,000 | 2,730 |
| Net interest income | $4,860,000 | 3,078 |
| Provision for loan and lease losses | $188,000 | 3,101 |
| Total noninterest income | $1,158,000 | 2,637 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $677,000 | 1,943 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $481,000 | 2,872 |
| Total noninterest expense | $5,288,000 | 2,242 |
| Salaries and employee benefits | $2,439,000 | 2,624 |
| Premises and equipment expense | $611,000 | 2,742 |
| Additional noninterest expense | $2,238,000 | 1,612 |
| Pre-tax net operating income | $542,000 | 6,131 |
| Securities gains (losses) | $11,000 | 2,659 |
| Applicable income taxes | $192,000 | 4,498 |
| Income before extraordinary items | $361,000 | 6,545 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $361,000 | 6,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $353,850 | 6,520 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,333,000 | 3,164 |
| Total interest expense | $1,265,000 | 2,963 |
| Net interest income | $3,068,000 | 3,224 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $779,000 | 2,633 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $438,000 | 1,968 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $341,000 | 2,775 |
| Total noninterest expense | $3,457,000 | 2,295 |
| Salaries and employee benefits | $1,584,000 | 2,696 |
| Premises and equipment expense | $401,000 | 2,784 |
| Additional noninterest expense | $1,472,000 | 1,633 |
| Pre-tax net operating income | $265,000 | 6,736 |
| Securities gains (losses) | $11,000 | 2,367 |
| Applicable income taxes | $95,000 | 4,911 |
| Income before extraordinary items | $181,000 | 7,059 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $181,000 | 7,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $173,740 | 7,054 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,968,000 | 3,436 |
| Total interest expense | $600,000 | 3,115 |
| Net interest income | $1,368,000 | 3,512 |
| Provision for loan and lease losses | $63,000 | 2,874 |
| Total noninterest income | $351,000 | 2,786 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $201,000 | 2,074 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $150,000 | 2,948 |
| Total noninterest expense | $1,658,000 | 2,410 |
| Salaries and employee benefits | $737,000 | 2,874 |
| Premises and equipment expense | $205,000 | 2,758 |
| Additional noninterest expense | $716,000 | 1,656 |
| Pre-tax net operating income | $-2,000 | 8,572 |
| Securities gains (losses) | $11,000 | 2,005 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $6,000 | 8,519 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $6,000 | 8,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,777 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-1,370 | 8,557 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,542,000 | 4,542 |
| Total interest expense | $1,755,000 | 4,426 |
| Net interest income | $3,787,000 | 4,542 |
| Provision for loan and lease losses | $90,000 | 5,469 |
| Total noninterest income | $1,795,000 | 2,498 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $641,000 | 2,553 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,154,000 | 2,174 |
| Total noninterest expense | $4,111,000 | 3,635 |
| Salaries and employee benefits | $2,305,000 | 3,492 |
| Premises and equipment expense | $500,000 | 4,054 |
| Additional noninterest expense | $1,306,000 | 3,478 |
| Pre-tax net operating income | $1,381,000 | 4,343 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $486,000 | 3,423 |
| Income before extraordinary items | $895,000 | 4,952 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $895,000 | 4,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,709 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $895,000 | 4,786 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,605,000 | 5,087 |
| Total interest expense | $1,249,000 | 4,695 |
| Net interest income | $2,356,000 | 5,184 |
| Provision for loan and lease losses | $60,000 | 5,499 |
| Total noninterest income | $1,404,000 | 2,462 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $414,000 | 2,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $990,000 | 2,062 |
| Total noninterest expense | $2,745,000 | 3,947 |
| Salaries and employee benefits | $1,553,000 | 3,798 |
| Premises and equipment expense | $350,000 | 4,266 |
| Additional noninterest expense | $842,000 | 3,922 |
| Pre-tax net operating income | $955,000 | 4,678 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $338,000 | 3,714 |
| Income before extraordinary items | $617,000 | 5,324 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $617,000 | 5,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,212 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $617,000 | 5,138 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 6,017 |
| Total interest expense | $681,000 | 5,433 |
| Net interest income | $1,145,000 | 6,215 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $724,000 | 2,939 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $210,000 | 3,503 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $514,000 | 2,408 |
| Total noninterest expense | $1,318,000 | 5,013 |
| Salaries and employee benefits | $790,000 | 4,657 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $367,000 | 5,313 |
| Pre-tax net operating income | $521,000 | 5,218 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $187,000 | 4,099 |
| Income before extraordinary items | $334,000 | 5,845 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $334,000 | 5,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,405 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $334,000 | 5,630 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $0 | 9,308 |
| Total interest expense | $0 | 9,288 |
| Net interest income | $0 | 9,301 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $0 | 9,248 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $0 | 9,308 |
| Salaries and employee benefits | $0 | 9,285 |
| Premises and equipment expense | $0 | 9,263 |
| Additional noninterest expense | $0 | 9,304 |
| Pre-tax net operating income | $0 | 8,688 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $0 | 8,759 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $0 | 8,756 |
| 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 | $0 | 8,657 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,017,000 | 3,291 |
| Total interest expense | $3,434,000 | 3,161 |
| Net interest income | $5,583,000 | 3,336 |
| Provision for loan and lease losses | $632,000 | 1,975 |
| Total noninterest income | $1,489,000 | 2,627 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $902,000 | 1,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $587,000 | 3,007 |
| Total noninterest expense | $4,860,000 | 3,002 |
| Salaries and employee benefits | $2,852,000 | 2,763 |
| Premises and equipment expense | $675,000 | 3,096 |
| Additional noninterest expense | $1,333,000 | 3,289 |
| Pre-tax net operating income | $1,580,000 | 3,970 |
| Securities gains (losses) | $21,000 | 3,108 |
| Applicable income taxes | $572,000 | 3,197 |
| Income before extraordinary items | $1,029,000 | 4,521 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,029,000 | 4,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $390,000 | 1,973 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,015,560 | 4,430 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,165,000 | 3,256 |
| Total interest expense | $4,817,000 | 3,251 |
| Net interest income | $5,348,000 | 3,257 |
| Provision for loan and lease losses | $459,000 | 2,361 |
| Total noninterest income | $1,134,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $969,000 | 1,527 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $165,000 | 5,332 |
| Total noninterest expense | $4,498,000 | 3,096 |
| Salaries and employee benefits | $2,453,000 | 2,994 |
| Premises and equipment expense | $681,000 | 3,023 |
| Additional noninterest expense | $1,364,000 | 3,131 |
| Pre-tax net operating income | $1,525,000 | 3,816 |
| Securities gains (losses) | $117,000 | 1,622 |
| Applicable income taxes | $596,000 | 2,982 |
| Income before extraordinary items | $1,046,000 | 4,160 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,046,000 | 4,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,631 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $971,120 | 4,238 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,532,000 | 3,549 |
| Total interest expense | $4,595,000 | 3,561 |
| Net interest income | $4,937,000 | 3,515 |
| Provision for loan and lease losses | $209,000 | 3,650 |
| Total noninterest income | $1,379,000 | 2,503 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $644,000 | 2,148 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $735,000 | 2,275 |
| Total noninterest expense | $3,976,000 | 3,347 |
| Salaries and employee benefits | $2,143,000 | 3,277 |
| Premises and equipment expense | $661,000 | 3,021 |
| Additional noninterest expense | $1,172,000 | 3,504 |
| Pre-tax net operating income | $2,131,000 | 3,161 |
| Securities gains (losses) | $6,000 | 1,308 |
| Applicable income taxes | $822,000 | 2,468 |
| Income before extraordinary items | $1,315,000 | 3,607 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,315,000 | 3,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,771 |
| Cash dividends | $150,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,311,160 | 3,598 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,598,000 | 3,657 |
| Total interest expense | $3,930,000 | 3,639 |
| Net interest income | $4,668,000 | 3,670 |
| Provision for loan and lease losses | $160,000 | 4,104 |
| Total noninterest income | $1,153,000 | 2,786 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $578,000 | 2,317 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $575,000 | 2,700 |
| Total noninterest expense | $3,831,000 | 3,445 |
| Salaries and employee benefits | $1,972,000 | 3,480 |
| Premises and equipment expense | $674,000 | 2,955 |
| Additional noninterest expense | $1,185,000 | 3,465 |
| Pre-tax net operating income | $1,830,000 | 3,564 |
| Securities gains (losses) | $23,000 | 1,318 |
| Applicable income taxes | $671,000 | 2,989 |
| Income before extraordinary items | $1,182,000 | 3,919 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,182,000 | 3,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,017 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,167,280 | 3,933 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,736,000 | 4,058 |
| Total interest expense | $3,869,000 | 3,798 |
| Net interest income | $3,867,000 | 4,240 |
| Provision for loan and lease losses | $235,000 | 3,172 |
| Total noninterest income | $784,000 | 3,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $446,000 | 2,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $338,000 | 3,765 |
| Total noninterest expense | $2,925,000 | 4,220 |
| Salaries and employee benefits | $1,463,000 | 4,320 |
| Premises and equipment expense | $548,000 | 3,434 |
| Additional noninterest expense | $914,000 | 4,241 |
| Pre-tax net operating income | $1,491,000 | 4,203 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $590,000 | 3,446 |
| Income before extraordinary items | $901,000 | 4,823 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $901,000 | 4,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,246 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $901,000 | 4,726 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,762,000 | 4,626 |
| Total interest expense | $3,033,000 | 4,664 |
| Net interest income | $3,729,000 | 4,493 |
| Provision for loan and lease losses | $178,000 | 3,774 |
| Total noninterest income | $761,000 | 3,726 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $341,000 | 3,640 |
| Total noninterest expense | $2,445,000 | 4,860 |
| Salaries and employee benefits | $1,264,000 | 4,879 |
| Premises and equipment expense | $445,000 | 4,078 |
| Additional noninterest expense | $736,000 | 5,029 |
| Pre-tax net operating income | $1,867,000 | 3,747 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $737,000 | 3,116 |
| Income before extraordinary items | $1,130,000 | 4,267 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,130,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,980 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,130,000 | 4,202 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,997,000 | 5,187 |
| Total interest expense | $2,928,000 | 4,879 |
| Net interest income | $3,069,000 | 5,345 |
| Provision for loan and lease losses | $211,000 | 3,294 |
| Total noninterest income | $604,000 | 4,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $350,000 | 3,755 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $254,000 | 4,489 |
| Total noninterest expense | $2,234,000 | 5,472 |
| Salaries and employee benefits | $1,149,000 | 5,399 |
| Premises and equipment expense | $419,000 | 4,367 |
| Additional noninterest expense | $666,000 | 5,939 |
| Pre-tax net operating income | $1,228,000 | 5,039 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $463,000 | 4,408 |
| Income before extraordinary items | $765,000 | 5,452 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $765,000 | 5,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,320 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $765,000 | 5,403 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,784,000 | 6,174 |
| Total interest expense | $2,232,000 | 6,021 |
| Net interest income | $2,552,000 | 6,222 |
| Provision for loan and lease losses | $115,000 | 4,295 |
| Total noninterest income | $372,000 | 6,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,535 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,497 |
| Total noninterest expense | $1,979,000 | 6,036 |
| Salaries and employee benefits | $966,000 | 6,222 |
| Premises and equipment expense | $340,000 | 5,132 |
| Additional noninterest expense | $673,000 | 6,042 |
| Pre-tax net operating income | $830,000 | 6,723 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $330,000 | 5,663 |
| Income before extraordinary items | $505,000 | 7,211 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $505,000 | 7,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,140 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $501,800 | 7,214 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,631,000 | 7,151 |
| Total interest expense | $1,422,000 | 7,135 |
| Net interest income | $2,209,000 | 7,069 |
| Provision for loan and lease losses | $113,000 | 4,290 |
| Total noninterest income | $330,000 | 6,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $1,631,000 | 7,199 |
| Salaries and employee benefits | $756,000 | 7,478 |
| Premises and equipment expense | $243,000 | 6,633 |
| Additional noninterest expense | $632,000 | 6,802 |
| Pre-tax net operating income | $795,000 | 6,891 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $307,000 | 5,793 |
| Income before extraordinary items | $489,000 | 7,395 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $489,000 | 7,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,906 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $488,360 | 7,439 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,028,000 | 8,288 |
| Total interest expense | $1,299,000 | 7,883 |
| Net interest income | $1,729,000 | 8,417 |
| Provision for loan and lease losses | $115,000 | 5,422 |
| Total noninterest income | $275,000 | 7,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,877 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,084 |
| Total noninterest expense | $1,284,000 | 8,567 |
| Salaries and employee benefits | $570,000 | 9,051 |
| Premises and equipment expense | $198,000 | 7,726 |
| Additional noninterest expense | $516,000 | 8,061 |
| Pre-tax net operating income | $605,000 | 7,916 |
| Securities gains (losses) | $-17,000 | 12,886 |
| Applicable income taxes | $283,000 | 6,296 |
| Income before extraordinary items | $305,000 | 9,424 |
| Extraordinary gains, net | $156,000 | 1,196 |
| Net income | $461,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 6,315 |
| Cash dividends | $36,000 | 8,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $315,880 | 9,039 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,243,000 | 10,396 |
| Total interest expense | $1,075,000 | 10,070 |
| Net interest income | $1,168,000 | 10,435 |
| Provision for loan and lease losses | $147,000 | 6,169 |
| Total noninterest income | $186,000 | 9,691 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,923 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $910,000 | 10,423 |
| Salaries and employee benefits | $424,000 | 10,593 |
| Premises and equipment expense | $140,000 | 9,399 |
| Additional noninterest expense | $346,000 | 10,250 |
| Pre-tax net operating income | $297,000 | 10,167 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $42,000 | 11,481 |
| Income before extraordinary items | $255,000 | 9,851 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $255,000 | 9,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,288,000 | 376 |
| Net operating income | $255,000 | 9,488 |
* 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.