Home > United Valley Bank > Income and Expense
United Valley Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $599,000 | 8,251 |
| Total interest expense | $185,000 | 8,202 |
| Net interest income | $414,000 | 8,191 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $55,000 | 7,771 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $30,000 | 6,853 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,325 |
| Total noninterest expense | $298,000 | 8,377 |
| Salaries and employee benefits | $188,000 | 8,266 |
| Premises and equipment expense | $40,000 | 8,075 |
| Additional noninterest expense | $70,000 | 8,477 |
| Pre-tax net operating income | $159,000 | 7,331 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $158,000 | 7,093 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $158,000 | 7,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,675 |
| Cash dividends | $150,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $158,000 | 7,105 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $295,000 | 8,280 |
| Total interest expense | $88,000 | 8,235 |
| Net interest income | $207,000 | 8,217 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $25,000 | 7,837 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,462 |
| Total noninterest expense | $158,000 | 8,343 |
| Salaries and employee benefits | $99,000 | 8,222 |
| Premises and equipment expense | $20,000 | 8,084 |
| Additional noninterest expense | $39,000 | 8,408 |
| Pre-tax net operating income | $68,000 | 7,462 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $67,000 | 7,241 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $67,000 | 7,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $67,000 | 7,244 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $994,000 | 8,330 |
| Total interest expense | $240,000 | 8,345 |
| Net interest income | $754,000 | 8,272 |
| Provision for loan and lease losses | $83,000 | 5,092 |
| Total noninterest income | $103,000 | 7,904 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $60,000 | 6,923 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $43,000 | 7,546 |
| Total noninterest expense | $621,000 | 8,383 |
| Salaries and employee benefits | $368,000 | 8,308 |
| Premises and equipment expense | $81,000 | 8,087 |
| Additional noninterest expense | $172,000 | 8,388 |
| Pre-tax net operating income | $153,000 | 7,833 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,000 | 6,741 |
| Income before extraordinary items | $150,000 | 7,793 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $150,000 | 7,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,615 |
| Cash dividends | $100,000 | 5,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $150,000 | 7,756 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $716,000 | 8,398 |
| Total interest expense | $160,000 | 8,425 |
| Net interest income | $556,000 | 8,334 |
| Provision for loan and lease losses | $68,000 | 4,836 |
| Total noninterest income | $72,000 | 8,020 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 6,913 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,813 |
| Total noninterest expense | $445,000 | 8,420 |
| Salaries and employee benefits | $259,000 | 8,358 |
| Premises and equipment expense | $58,000 | 8,147 |
| Additional noninterest expense | $128,000 | 8,382 |
| Pre-tax net operating income | $115,000 | 7,956 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $114,000 | 7,879 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $114,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $100,000 | 4,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $114,000 | 7,853 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $448,000 | 8,464 |
| Total interest expense | $90,000 | 8,505 |
| Net interest income | $358,000 | 8,378 |
| Provision for loan and lease losses | $43,000 | 4,790 |
| Total noninterest income | $39,000 | 8,204 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $29,000 | 6,990 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,000 | 8,146 |
| Total noninterest expense | $301,000 | 8,398 |
| Salaries and employee benefits | $174,000 | 8,364 |
| Premises and equipment expense | $40,000 | 8,114 |
| Additional noninterest expense | $87,000 | 8,352 |
| Pre-tax net operating income | $53,000 | 8,120 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 6,848 |
| Income before extraordinary items | $52,000 | 8,095 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $52,000 | 8,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $52,000 | 8,061 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $220,000 | 8,550 |
| Total interest expense | $44,000 | 8,560 |
| Net interest income | $176,000 | 8,478 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $17,000 | 8,358 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $148,000 | 8,488 |
| Salaries and employee benefits | $90,000 | 8,398 |
| Premises and equipment expense | $19,000 | 8,223 |
| Additional noninterest expense | $39,000 | 8,517 |
| Pre-tax net operating income | $24,000 | 8,212 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $23,000 | 8,206 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $23,000 | 8,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $23,000 | 8,179 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $538,000 | 8,734 |
| Total interest expense | $90,000 | 8,762 |
| Net interest income | $448,000 | 8,696 |
| Provision for loan and lease losses | $35,000 | 6,319 |
| Total noninterest income | $51,000 | 8,571 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $36,000 | 7,486 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,368 |
| Total noninterest expense | $359,000 | 8,833 |
| Salaries and employee benefits | $208,000 | 8,805 |
| Premises and equipment expense | $44,000 | 8,671 |
| Additional noninterest expense | $107,000 | 8,795 |
| Pre-tax net operating income | $105,000 | 8,095 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $105,000 | 8,070 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $105,000 | 8,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,343 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $105,000 | 8,027 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $319,000 | 8,859 |
| Total interest expense | $50,000 | 8,863 |
| Net interest income | $269,000 | 8,820 |
| Provision for loan and lease losses | $27,000 | 6,080 |
| Total noninterest income | $35,000 | 8,663 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $25,000 | 7,565 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 8,467 |
| Total noninterest expense | $220,000 | 8,930 |
| Salaries and employee benefits | $124,000 | 8,905 |
| Premises and equipment expense | $21,000 | 8,858 |
| Additional noninterest expense | $75,000 | 8,850 |
| Pre-tax net operating income | $57,000 | 8,282 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $57,000 | 8,286 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $57,000 | 8,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $57,000 | 8,248 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $117,000 | 8,989 |
| Total interest expense | $16,000 | 8,975 |
| Net interest income | $101,000 | 8,972 |
| Provision for loan and lease losses | $1,000 | 6,852 |
| Total noninterest income | $14,000 | 8,852 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $11,000 | 7,732 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $90,000 | 9,040 |
| Salaries and employee benefits | $49,000 | 9,026 |
| Premises and equipment expense | $13,000 | 8,924 |
| Additional noninterest expense | $28,000 | 9,018 |
| Pre-tax net operating income | $24,000 | 8,393 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $24,000 | 8,425 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $24,000 | 8,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $24,000 | 8,362 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $158,000 | 8,835 |
| Total interest expense | $27,000 | 8,886 |
| Net interest income | $131,000 | 8,772 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $15,000 | 8,621 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $9,000 | 7,564 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $145,000 | 8,647 |
| Salaries and employee benefits | $99,000 | 8,396 |
| Premises and equipment expense | $19,000 | 8,322 |
| Additional noninterest expense | $27,000 | 8,908 |
| Pre-tax net operating income | $1,000 | 8,530 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $1,000 | 8,573 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,000 | 8,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,000 | 8,518 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $737,000 | 8,800 |
| Total interest expense | $164,000 | 8,828 |
| Net interest income | $573,000 | 8,726 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $64,000 | 8,662 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $41,000 | 7,570 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $23,000 | 8,335 |
| Total noninterest expense | $623,000 | 8,612 |
| Salaries and employee benefits | $401,000 | 8,404 |
| Premises and equipment expense | $76,000 | 8,401 |
| Additional noninterest expense | $146,000 | 8,777 |
| Pre-tax net operating income | $14,000 | 8,486 |
| Securities gains (losses) | $53,000 | 2,465 |
| Applicable income taxes | $-5,000 | 8,732 |
| Income before extraordinary items | $72,000 | 8,369 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $72,000 | 8,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,397 |
| Cash dividends | $67,000 | 5,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $19,000 | 8,479 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $566,000 | 8,868 |
| Total interest expense | $132,000 | 8,904 |
| Net interest income | $434,000 | 8,793 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $48,000 | 8,744 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $31,000 | 7,618 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $17,000 | 8,372 |
| Total noninterest expense | $455,000 | 8,647 |
| Salaries and employee benefits | $298,000 | 8,433 |
| Premises and equipment expense | $64,000 | 8,298 |
| Additional noninterest expense | $93,000 | 8,937 |
| Pre-tax net operating income | $27,000 | 8,539 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $27,000 | 8,630 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $27,000 | 8,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,642 |
| Cash dividends | $38,000 | 5,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $27,000 | 8,526 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $378,000 | 8,914 |
| Total interest expense | $98,000 | 8,911 |
| Net interest income | $280,000 | 8,850 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $32,000 | 8,760 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $22,000 | 7,601 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $10,000 | 8,463 |
| Total noninterest expense | $302,000 | 8,672 |
| Salaries and employee benefits | $199,000 | 8,468 |
| Premises and equipment expense | $42,000 | 8,327 |
| Additional noninterest expense | $61,000 | 8,954 |
| Pre-tax net operating income | $10,000 | 8,611 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $10,000 | 8,705 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $10,000 | 8,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,910 |
| Cash dividends | $33,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $10,000 | 8,592 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $190,000 | 8,966 |
| Total interest expense | $55,000 | 8,928 |
| Net interest income | $135,000 | 8,929 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $15,000 | 8,812 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $10,000 | 7,640 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $151,000 | 8,724 |
| Salaries and employee benefits | $99,000 | 8,515 |
| Premises and equipment expense | $22,000 | 8,271 |
| Additional noninterest expense | $30,000 | 9,016 |
| Pre-tax net operating income | $-1,000 | 8,718 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-1,000 | 8,772 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,000 | 8,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $33,000 | 3,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-1,000 | 8,669 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $866,000 | 8,951 |
| Total interest expense | $260,000 | 8,967 |
| Net interest income | $606,000 | 8,883 |
| Provision for loan and lease losses | $3,000 | 8,029 |
| Total noninterest income | $69,000 | 8,761 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $42,000 | 7,647 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 8,301 |
| Total noninterest expense | $583,000 | 8,810 |
| Salaries and employee benefits | $374,000 | 8,605 |
| Premises and equipment expense | $74,000 | 8,536 |
| Additional noninterest expense | $135,000 | 8,978 |
| Pre-tax net operating income | $89,000 | 8,344 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $89,000 | 8,383 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $89,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $37,000 | 6,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $89,000 | 8,293 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,036,000 | 9,129 |
| Total interest expense | $432,000 | 9,123 |
| Net interest income | $604,000 | 9,030 |
| Provision for loan and lease losses | $37,000 | 7,027 |
| Total noninterest income | $71,000 | 8,893 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $50,000 | 7,603 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $21,000 | 8,695 |
| Total noninterest expense | $595,000 | 8,948 |
| Salaries and employee benefits | $369,000 | 8,753 |
| Premises and equipment expense | $79,000 | 8,646 |
| Additional noninterest expense | $147,000 | 9,076 |
| Pre-tax net operating income | $43,000 | 8,567 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-5,000 | 8,966 |
| Income before extraordinary items | $48,000 | 8,622 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $48,000 | 8,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,713 |
| Cash dividends | $125,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $48,000 | 8,526 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,134,000 | 9,286 |
| Total interest expense | $437,000 | 9,359 |
| Net interest income | $697,000 | 9,127 |
| Provision for loan and lease losses | $6,000 | 8,107 |
| Total noninterest income | $75,000 | 8,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 7,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 8,801 |
| Total noninterest expense | $557,000 | 9,225 |
| Salaries and employee benefits | $351,000 | 8,988 |
| Premises and equipment expense | $78,000 | 8,823 |
| Additional noninterest expense | $128,000 | 9,427 |
| Pre-tax net operating income | $209,000 | 8,333 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $21,000 | 7,823 |
| Income before extraordinary items | $188,000 | 8,145 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $188,000 | 8,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $139,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $188,000 | 8,146 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,054,000 | 9,562 |
| Total interest expense | $407,000 | 9,628 |
| Net interest income | $647,000 | 9,407 |
| Provision for loan and lease losses | $5,000 | 8,322 |
| Total noninterest income | $70,000 | 9,293 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,255 |
| Total noninterest expense | $531,000 | 9,531 |
| Salaries and employee benefits | $328,000 | 9,320 |
| Premises and equipment expense | $77,000 | 9,082 |
| Additional noninterest expense | $126,000 | 9,736 |
| Pre-tax net operating income | $181,000 | 8,674 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $4,000 | 8,624 |
| Income before extraordinary items | $177,000 | 8,453 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $177,000 | 8,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $77,000 | 6,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $177,000 | 8,418 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,062,000 | 9,797 |
| Total interest expense | $448,000 | 9,809 |
| Net interest income | $614,000 | 9,697 |
| Provision for loan and lease losses | $41,000 | 6,908 |
| Total noninterest income | $75,000 | 9,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 8,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $523,000 | 9,697 |
| Salaries and employee benefits | $326,000 | 9,456 |
| Premises and equipment expense | $83,000 | 9,091 |
| Additional noninterest expense | $114,000 | 10,010 |
| Pre-tax net operating income | $125,000 | 9,305 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $12,000 | 9,035 |
| Income before extraordinary items | $113,000 | 9,238 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $113,000 | 9,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $227,000 | 5,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $113,000 | 9,170 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 10,256 |
| Total interest expense | $412,000 | 10,314 |
| Net interest income | $637,000 | 10,099 |
| Provision for loan and lease losses | $6,000 | 8,580 |
| Total noninterest income | $71,000 | 9,930 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,616 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 9,379 |
| Total noninterest expense | $480,000 | 10,196 |
| Salaries and employee benefits | $284,000 | 10,074 |
| Premises and equipment expense | $85,000 | 9,322 |
| Additional noninterest expense | $111,000 | 10,436 |
| Pre-tax net operating income | $222,000 | 9,450 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $14,000 | 9,835 |
| Income before extraordinary items | $208,000 | 9,085 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $208,000 | 9,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $145,000 | 5,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $208,000 | 9,047 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,035,000 | 10,768 |
| Total interest expense | $395,000 | 10,885 |
| Net interest income | $640,000 | 10,549 |
| Provision for loan and lease losses | $3,000 | 8,923 |
| Total noninterest income | $143,000 | 9,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 9,170 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,983 |
| Total noninterest expense | $466,000 | 10,720 |
| Salaries and employee benefits | $269,000 | 10,587 |
| Premises and equipment expense | $82,000 | 9,755 |
| Additional noninterest expense | $115,000 | 10,951 |
| Pre-tax net operating income | $314,000 | 9,036 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $130,000 | 8,215 |
| Income before extraordinary items | $184,000 | 9,454 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $184,000 | 9,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $64,000 | 7,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $184,000 | 9,394 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $966,000 | 11,342 |
| Total interest expense | $369,000 | 11,415 |
| Net interest income | $597,000 | 11,136 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $53,000 | 11,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 11,437 |
| Total noninterest expense | $435,000 | 11,314 |
| Salaries and employee benefits | $249,000 | 11,159 |
| Premises and equipment expense | $76,000 | 10,320 |
| Additional noninterest expense | $110,000 | 11,520 |
| Pre-tax net operating income | $215,000 | 10,368 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $76,000 | 9,668 |
| Income before extraordinary items | $128,000 | 10,674 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $128,000 | 10,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $106,000 | 6,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $135,040 | 10,579 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $841,000 | 12,003 |
| Total interest expense | $283,000 | 12,089 |
| Net interest income | $558,000 | 11,835 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $51,000 | 11,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 12,029 |
| Total noninterest expense | $456,000 | 11,812 |
| Salaries and employee benefits | $244,000 | 11,717 |
| Premises and equipment expense | $93,000 | 10,249 |
| Additional noninterest expense | $119,000 | 12,121 |
| Pre-tax net operating income | $153,000 | 11,244 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $47,000 | 10,550 |
| Income before extraordinary items | $106,000 | 11,327 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $106,000 | 11,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $51,000 | 7,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $106,000 | 11,364 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $855,000 | 12,573 |
| Total interest expense | $311,000 | 12,632 |
| Net interest income | $544,000 | 12,413 |
| Provision for loan and lease losses | $-31,000 | 12,652 |
| Total noninterest income | $41,000 | 12,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 12,927 |
| Total noninterest expense | $476,000 | 12,284 |
| Salaries and employee benefits | $234,000 | 12,337 |
| Premises and equipment expense | $97,000 | 10,539 |
| Additional noninterest expense | $145,000 | 12,490 |
| Pre-tax net operating income | $140,000 | 11,552 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $39,000 | 11,180 |
| Income before extraordinary items | $103,000 | 11,773 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $103,000 | 11,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 12,420 |
| Cash dividends | $35,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $101,540 | 11,600 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $917,000 | 13,163 |
| Total interest expense | $418,000 | 13,119 |
| Net interest income | $499,000 | 13,087 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $57,000 | 12,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,924 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $464,000 | 12,832 |
| Salaries and employee benefits | $225,000 | 12,882 |
| Premises and equipment expense | $113,000 | 10,290 |
| Additional noninterest expense | $126,000 | 13,261 |
| Pre-tax net operating income | $92,000 | 12,105 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $21,000 | 12,079 |
| Income before extraordinary items | $71,000 | 12,337 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $71,000 | 12,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $11,000 | 8,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $71,000 | 12,050 |
* 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.