Home > Unity National Bank > Income and Expense
Unity National Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $14,370,000 | 2,330 |
| Total interest expense | $7,882,000 | 1,501 |
| Net interest income | $6,488,000 | 3,241 |
| Provision for loan and lease losses | $13,296,000 | 673 |
| Total noninterest income | $516,000 | 4,674 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $887,000 | 1,871 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-371,000 | 7,766 |
| Total noninterest expense | $10,520,000 | 1,929 |
| Salaries and employee benefits | $3,860,000 | 2,524 |
| Premises and equipment expense | $1,104,000 | 2,373 |
| Additional noninterest expense | $5,556,000 | 1,353 |
| Pre-tax net operating income | $-16,812,000 | 7,667 |
| Securities gains (losses) | $-123,000 | 7,320 |
| Applicable income taxes | $-1,189,000 | 7,340 |
| Income before extraordinary items | $-15,746,000 | 7,686 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-15,746,000 | 7,685 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-15,746,000 | 7,685 |
| Net charge-offs | $10,251,000 | 670 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-15,631,610 | 7,685 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,115,000 | 2,286 |
| Total interest expense | $6,033,000 | 1,541 |
| Net interest income | $5,082,000 | 3,149 |
| Provision for loan and lease losses | $10,396,000 | 606 |
| Total noninterest income | $26,000 | 7,636 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $664,000 | 1,889 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-638,000 | 7,974 |
| Total noninterest expense | $7,140,000 | 2,108 |
| Salaries and employee benefits | $2,987,000 | 2,487 |
| Premises and equipment expense | $841,000 | 2,368 |
| Additional noninterest expense | $3,312,000 | 1,640 |
| Pre-tax net operating income | $-12,428,000 | 7,798 |
| Securities gains (losses) | $-123,000 | 7,504 |
| Applicable income taxes | $681,000 | 1,116 |
| Income before extraordinary items | $-13,232,000 | 7,838 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-13,232,000 | 7,837 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-13,232,000 | 7,837 |
| Net charge-offs | $7,778,000 | 606 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-13,109,000 | 7,840 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,665,000 | 2,248 |
| Total interest expense | $4,095,000 | 1,593 |
| Net interest income | $3,570,000 | 2,996 |
| Provision for loan and lease losses | $8,696,000 | 501 |
| Total noninterest income | $-10,000 | 7,985 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $440,000 | 1,868 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-450,000 | 8,075 |
| Total noninterest expense | $4,760,000 | 2,122 |
| Salaries and employee benefits | $1,987,000 | 2,529 |
| Premises and equipment expense | $560,000 | 2,393 |
| Additional noninterest expense | $2,213,000 | 1,643 |
| Pre-tax net operating income | $-9,896,000 | 7,914 |
| Securities gains (losses) | $-123,000 | 7,719 |
| Applicable income taxes | $681,000 | 845 |
| Income before extraordinary items | $-10,700,000 | 7,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-10,700,000 | 7,956 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-10,700,000 | 7,957 |
| Net charge-offs | $6,151,000 | 510 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $-26,000 | 8,134 |
| Net operating income | $-10,577,000 | 7,961 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,930,000 | 2,238 |
| Total interest expense | $2,078,000 | 1,629 |
| Net interest income | $1,852,000 | 2,904 |
| Provision for loan and lease losses | $1,510,000 | 910 |
| Total noninterest income | $-12,000 | 8,106 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $211,000 | 1,881 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-223,000 | 8,162 |
| Total noninterest expense | $2,198,000 | 2,225 |
| Salaries and employee benefits | $1,017,000 | 2,514 |
| Premises and equipment expense | $278,000 | 2,454 |
| Additional noninterest expense | $903,000 | 1,785 |
| Pre-tax net operating income | $-1,868,000 | 7,807 |
| Securities gains (losses) | $-123,000 | 8,003 |
| Applicable income taxes | $-782,000 | 7,954 |
| Income before extraordinary items | $-1,209,000 | 7,759 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,209,000 | 7,762 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,209,000 | 7,761 |
| Net charge-offs | $2,770,000 | 480 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,009 |
| Net operating income | $-1,130,280 | 7,737 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $19,011,000 | 2,003 |
| Total interest expense | $10,172,000 | 1,597 |
| Net interest income | $8,839,000 | 2,464 |
| Provision for loan and lease losses | $4,433,000 | 1,092 |
| Total noninterest income | $1,253,000 | 2,961 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,006,000 | 1,751 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $247,000 | 4,466 |
| Total noninterest expense | $9,151,000 | 2,100 |
| Salaries and employee benefits | $4,851,000 | 2,093 |
| Premises and equipment expense | $1,192,000 | 2,261 |
| Additional noninterest expense | $3,108,000 | 1,952 |
| Pre-tax net operating income | $-3,492,000 | 7,674 |
| Securities gains (losses) | $-16,000 | 7,060 |
| Applicable income taxes | $-1,505,000 | 7,841 |
| Income before extraordinary items | $-2,003,000 | 7,381 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,003,000 | 7,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,325,000 | 1,173 |
| Cash dividends | $500,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,302 |
| Net operating income | $-1,992,760 | 7,474 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,791,000 | 1,979 |
| Total interest expense | $7,795,000 | 1,616 |
| Net interest income | $6,996,000 | 2,361 |
| Provision for loan and lease losses | $2,573,000 | 999 |
| Total noninterest income | $1,210,000 | 2,564 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $738,000 | 1,797 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $472,000 | 2,909 |
| Total noninterest expense | $6,801,000 | 2,119 |
| Salaries and employee benefits | $3,626,000 | 2,117 |
| Premises and equipment expense | $910,000 | 2,224 |
| Additional noninterest expense | $2,265,000 | 1,928 |
| Pre-tax net operating income | $-1,168,000 | 7,612 |
| Securities gains (losses) | $5,000 | 2,631 |
| Applicable income taxes | $-620,000 | 7,930 |
| Income before extraordinary items | $-543,000 | 7,222 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-543,000 | 7,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,789,000 | 893 |
| Cash dividends | $500,000 | 2,719 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,159 |
| Net operating income | $-546,200 | 7,354 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,193,000 | 1,942 |
| Total interest expense | $5,293,000 | 1,658 |
| Net interest income | $4,900,000 | 2,258 |
| Provision for loan and lease losses | $573,000 | 1,765 |
| Total noninterest income | $856,000 | 2,493 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $472,000 | 1,835 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $384,000 | 2,650 |
| Total noninterest expense | $4,642,000 | 2,064 |
| Salaries and employee benefits | $2,593,000 | 2,006 |
| Premises and equipment expense | $615,000 | 2,197 |
| Additional noninterest expense | $1,434,000 | 2,009 |
| Pre-tax net operating income | $541,000 | 4,236 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $184,000 | 2,785 |
| Income before extraordinary items | $357,000 | 4,698 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $357,000 | 4,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 1,683 |
| Cash dividends | $500,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,064 |
| Net operating income | $357,000 | 4,638 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,112,000 | 1,990 |
| Total interest expense | $2,730,000 | 1,721 |
| Net interest income | $2,382,000 | 2,310 |
| Provision for loan and lease losses | $308,000 | 1,351 |
| Total noninterest income | $458,000 | 2,362 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $216,000 | 1,945 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $242,000 | 2,278 |
| Total noninterest expense | $2,221,000 | 2,157 |
| Salaries and employee benefits | $1,221,000 | 2,148 |
| Premises and equipment expense | $303,000 | 2,244 |
| Additional noninterest expense | $697,000 | 2,022 |
| Pre-tax net operating income | $311,000 | 4,066 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $106,000 | 2,723 |
| Income before extraordinary items | $205,000 | 4,611 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $205,000 | 4,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 961 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 944 |
| Net operating income | $205,000 | 4,514 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,821,000 | 1,850 |
| Total interest expense | $11,542,000 | 1,732 |
| Net interest income | $11,279,000 | 2,015 |
| Provision for loan and lease losses | $738,000 | 1,780 |
| Total noninterest income | $2,116,000 | 2,134 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $964,000 | 1,827 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,152,000 | 2,026 |
| Total noninterest expense | $8,422,000 | 2,182 |
| Salaries and employee benefits | $4,972,000 | 2,022 |
| Premises and equipment expense | $1,125,000 | 2,310 |
| Additional noninterest expense | $2,325,000 | 2,324 |
| Pre-tax net operating income | $4,235,000 | 1,884 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,425,000 | 1,459 |
| Income before extraordinary items | $2,810,000 | 2,140 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,810,000 | 2,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 2,546 |
| Cash dividends | $300,000 | 4,401 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 1,084 |
| Net operating income | $2,810,000 | 2,126 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,029,000 | 1,868 |
| Total interest expense | $8,530,000 | 1,755 |
| Net interest income | $8,499,000 | 2,016 |
| Provision for loan and lease losses | $483,000 | 1,616 |
| Total noninterest income | $1,575,000 | 2,138 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $708,000 | 1,842 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $867,000 | 2,017 |
| Total noninterest expense | $6,279,000 | 2,166 |
| Salaries and employee benefits | $3,727,000 | 2,010 |
| Premises and equipment expense | $859,000 | 2,253 |
| Additional noninterest expense | $1,693,000 | 2,344 |
| Pre-tax net operating income | $3,312,000 | 1,933 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,131,000 | 1,508 |
| Income before extraordinary items | $2,181,000 | 2,206 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,181,000 | 2,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,325 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 963 |
| Net operating income | $2,181,000 | 2,192 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,105,000 | 1,924 |
| Total interest expense | $5,401,000 | 1,849 |
| Net interest income | $5,704,000 | 2,037 |
| Provision for loan and lease losses | $358,000 | 1,343 |
| Total noninterest income | $943,000 | 2,325 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $455,000 | 1,901 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $488,000 | 2,286 |
| Total noninterest expense | $4,236,000 | 2,165 |
| Salaries and employee benefits | $2,542,000 | 2,001 |
| Premises and equipment expense | $575,000 | 2,249 |
| Additional noninterest expense | $1,119,000 | 2,366 |
| Pre-tax net operating income | $2,053,000 | 2,106 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $698,000 | 1,660 |
| Income before extraordinary items | $1,355,000 | 2,391 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,355,000 | 2,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,343 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 881 |
| Net operating income | $1,355,000 | 2,373 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,391,000 | 1,973 |
| Total interest expense | $2,601,000 | 1,882 |
| Net interest income | $2,790,000 | 2,076 |
| Provision for loan and lease losses | $154,000 | 1,405 |
| Total noninterest income | $419,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $214,000 | 1,950 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $205,000 | 2,510 |
| Total noninterest expense | $2,149,000 | 2,154 |
| Salaries and employee benefits | $1,238,000 | 2,077 |
| Premises and equipment expense | $294,000 | 2,224 |
| Additional noninterest expense | $617,000 | 2,127 |
| Pre-tax net operating income | $906,000 | 2,334 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $308,000 | 1,823 |
| Income before extraordinary items | $598,000 | 2,634 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $598,000 | 2,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,637 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 756 |
| Net operating income | $598,000 | 2,618 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,934,000 | 2,086 |
| Total interest expense | $8,717,000 | 1,900 |
| Net interest income | $10,217,000 | 2,258 |
| Provision for loan and lease losses | $462,000 | 2,033 |
| Total noninterest income | $1,619,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $739,000 | 2,270 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $880,000 | 2,429 |
| Total noninterest expense | $8,017,000 | 2,207 |
| Salaries and employee benefits | $4,522,000 | 2,163 |
| Premises and equipment expense | $1,057,000 | 2,334 |
| Additional noninterest expense | $2,438,000 | 2,151 |
| Pre-tax net operating income | $3,357,000 | 2,571 |
| Securities gains (losses) | $-21,000 | 7,568 |
| Applicable income taxes | $1,117,000 | 2,049 |
| Income before extraordinary items | $2,219,000 | 2,873 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,219,000 | 2,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,944 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,233,070 | 2,845 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,778,000 | 2,130 |
| Total interest expense | $6,257,000 | 1,919 |
| Net interest income | $7,521,000 | 2,305 |
| Provision for loan and lease losses | $284,000 | 2,259 |
| Total noninterest income | $1,107,000 | 2,736 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $535,000 | 2,348 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $572,000 | 2,660 |
| Total noninterest expense | $5,882,000 | 2,242 |
| Salaries and employee benefits | $3,241,000 | 2,262 |
| Premises and equipment expense | $810,000 | 2,296 |
| Additional noninterest expense | $1,831,000 | 2,132 |
| Pre-tax net operating income | $2,462,000 | 2,690 |
| Securities gains (losses) | $-21,000 | 7,861 |
| Applicable income taxes | $818,000 | 2,168 |
| Income before extraordinary items | $1,623,000 | 3,025 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,623,000 | 3,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,446 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,636,860 | 2,996 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,868,000 | 2,163 |
| Total interest expense | $3,942,000 | 1,935 |
| Net interest income | $4,926,000 | 2,350 |
| Provision for loan and lease losses | $191,000 | 2,189 |
| Total noninterest income | $712,000 | 2,798 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $341,000 | 2,405 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $371,000 | 2,672 |
| Total noninterest expense | $3,857,000 | 2,294 |
| Salaries and employee benefits | $2,151,000 | 2,279 |
| Premises and equipment expense | $513,000 | 2,415 |
| Additional noninterest expense | $1,193,000 | 2,186 |
| Pre-tax net operating income | $1,590,000 | 2,762 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $551,000 | 2,171 |
| Income before extraordinary items | $1,039,000 | 3,129 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,039,000 | 3,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,501 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,039,000 | 3,115 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,222,000 | 2,219 |
| Total interest expense | $1,875,000 | 1,929 |
| Net interest income | $2,347,000 | 2,439 |
| Provision for loan and lease losses | $101,000 | 1,985 |
| Total noninterest income | $350,000 | 2,781 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $160,000 | 2,456 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $190,000 | 2,579 |
| Total noninterest expense | $1,862,000 | 2,376 |
| Salaries and employee benefits | $991,000 | 2,461 |
| Premises and equipment expense | $257,000 | 2,420 |
| Additional noninterest expense | $614,000 | 2,112 |
| Pre-tax net operating income | $734,000 | 2,881 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $242,000 | 2,328 |
| Income before extraordinary items | $492,000 | 3,203 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $492,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $492,000 | 3,179 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,429,000 | 2,291 |
| Total interest expense | $5,919,000 | 1,906 |
| Net interest income | $8,510,000 | 2,554 |
| Provision for loan and lease losses | $221,000 | 3,425 |
| Total noninterest income | $1,291,000 | 2,971 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $678,000 | 2,408 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $613,000 | 3,016 |
| Total noninterest expense | $6,446,000 | 2,574 |
| Salaries and employee benefits | $3,325,000 | 2,720 |
| Premises and equipment expense | $899,000 | 2,601 |
| Additional noninterest expense | $2,222,000 | 2,255 |
| Pre-tax net operating income | $3,134,000 | 2,659 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $1,038,000 | 2,215 |
| Income before extraordinary items | $2,101,000 | 2,974 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,101,000 | 2,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,711 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,097,650 | 2,943 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,293,000 | 2,353 |
| Total interest expense | $4,179,000 | 1,912 |
| Net interest income | $6,114,000 | 2,632 |
| Provision for loan and lease losses | $105,000 | 4,091 |
| Total noninterest income | $927,000 | 3,070 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $493,000 | 2,475 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $434,000 | 3,133 |
| Total noninterest expense | $4,728,000 | 2,607 |
| Salaries and employee benefits | $2,415,000 | 2,754 |
| Premises and equipment expense | $641,000 | 2,704 |
| Additional noninterest expense | $1,672,000 | 2,210 |
| Pre-tax net operating income | $2,208,000 | 2,835 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $717,000 | 2,357 |
| Income before extraordinary items | $1,491,000 | 3,145 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,491,000 | 3,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,476 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,491,000 | 3,103 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,578,000 | 2,386 |
| Total interest expense | $2,603,000 | 1,915 |
| Net interest income | $3,975,000 | 2,671 |
| Provision for loan and lease losses | $-69,000 | 8,718 |
| Total noninterest income | $576,000 | 3,195 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $312,000 | 2,545 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $264,000 | 3,293 |
| Total noninterest expense | $3,206,000 | 2,542 |
| Salaries and employee benefits | $1,659,000 | 2,671 |
| Premises and equipment expense | $402,000 | 2,836 |
| Additional noninterest expense | $1,145,000 | 2,148 |
| Pre-tax net operating income | $1,414,000 | 2,881 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $459,000 | 2,382 |
| Income before extraordinary items | $955,000 | 3,201 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $955,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,892 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $955,000 | 3,153 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,166,000 | 2,439 |
| Total interest expense | $1,229,000 | 1,932 |
| Net interest income | $1,937,000 | 2,728 |
| Provision for loan and lease losses | $-152,000 | 8,853 |
| Total noninterest income | $275,000 | 3,248 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $144,000 | 2,653 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $131,000 | 3,236 |
| Total noninterest expense | $1,575,000 | 2,592 |
| Salaries and employee benefits | $776,000 | 2,834 |
| Premises and equipment expense | $186,000 | 3,058 |
| Additional noninterest expense | $613,000 | 1,996 |
| Pre-tax net operating income | $789,000 | 2,606 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $269,000 | 2,147 |
| Income before extraordinary items | $520,000 | 2,961 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $520,000 | 2,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,217 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $520,000 | 2,916 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,945,000 | 2,599 |
| Total interest expense | $3,771,000 | 2,160 |
| Net interest income | $7,174,000 | 2,826 |
| Provision for loan and lease losses | $732,000 | 1,400 |
| Total noninterest income | $1,090,000 | 3,342 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $669,000 | 2,480 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $421,000 | 3,627 |
| Total noninterest expense | $4,974,000 | 3,130 |
| Salaries and employee benefits | $2,555,000 | 3,289 |
| Premises and equipment expense | $689,000 | 3,166 |
| Additional noninterest expense | $1,730,000 | 2,762 |
| Pre-tax net operating income | $2,558,000 | 2,959 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $839,000 | 2,452 |
| Income before extraordinary items | $1,719,000 | 3,284 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,719,000 | 3,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,812 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,719,000 | 3,215 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,889,000 | 2,671 |
| Total interest expense | $2,642,000 | 2,239 |
| Net interest income | $5,247,000 | 2,859 |
| Provision for loan and lease losses | $617,000 | 1,210 |
| Total noninterest income | $826,000 | 3,337 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $513,000 | 2,438 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $313,000 | 3,652 |
| Total noninterest expense | $3,615,000 | 3,199 |
| Salaries and employee benefits | $1,827,000 | 3,387 |
| Premises and equipment expense | $499,000 | 3,256 |
| Additional noninterest expense | $1,289,000 | 2,725 |
| Pre-tax net operating income | $1,841,000 | 3,090 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $625,000 | 2,495 |
| Income before extraordinary items | $1,216,000 | 3,509 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,216,000 | 3,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,462 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,216,000 | 3,423 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,091,000 | 2,740 |
| Total interest expense | $1,676,000 | 2,322 |
| Net interest income | $3,415,000 | 2,920 |
| Provision for loan and lease losses | $253,000 | 1,809 |
| Total noninterest income | $580,000 | 3,251 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $335,000 | 2,483 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $245,000 | 3,356 |
| Total noninterest expense | $2,339,000 | 3,303 |
| Salaries and employee benefits | $1,163,000 | 3,539 |
| Premises and equipment expense | $319,000 | 3,384 |
| Additional noninterest expense | $857,000 | 2,748 |
| Pre-tax net operating income | $1,403,000 | 2,716 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $476,000 | 2,279 |
| Income before extraordinary items | $927,000 | 3,125 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $927,000 | 3,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 1,894 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $927,000 | 3,038 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,486,000 | 2,805 |
| Total interest expense | $840,000 | 2,339 |
| Net interest income | $1,646,000 | 3,014 |
| Provision for loan and lease losses | $66,000 | 2,819 |
| Total noninterest income | $265,000 | 3,386 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $160,000 | 2,535 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $105,000 | 3,606 |
| Total noninterest expense | $1,149,000 | 3,342 |
| Salaries and employee benefits | $570,000 | 3,616 |
| Premises and equipment expense | $152,000 | 3,556 |
| Additional noninterest expense | $427,000 | 2,726 |
| Pre-tax net operating income | $696,000 | 2,722 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $254,000 | 2,176 |
| Income before extraordinary items | $442,000 | 3,239 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $442,000 | 3,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,764 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $442,000 | 3,125 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,451,000 | 2,986 |
| Total interest expense | $3,474,000 | 2,511 |
| Net interest income | $5,977,000 | 3,201 |
| Provision for loan and lease losses | $495,000 | 2,187 |
| Total noninterest income | $1,042,000 | 3,633 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $611,000 | 2,656 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $431,000 | 3,833 |
| Total noninterest expense | $4,499,000 | 3,348 |
| Salaries and employee benefits | $2,320,000 | 3,474 |
| Premises and equipment expense | $641,000 | 3,337 |
| Additional noninterest expense | $1,538,000 | 3,009 |
| Pre-tax net operating income | $2,025,000 | 3,372 |
| Securities gains (losses) | $27,000 | 3,018 |
| Applicable income taxes | $679,000 | 2,854 |
| Income before extraordinary items | $1,373,000 | 3,786 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,373,000 | 3,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,052 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,354,910 | 3,662 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,960,000 | 3,073 |
| Total interest expense | $2,619,000 | 2,586 |
| Net interest income | $4,341,000 | 3,300 |
| Provision for loan and lease losses | $367,000 | 2,163 |
| Total noninterest income | $820,000 | 3,591 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $440,000 | 2,749 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $380,000 | 3,624 |
| Total noninterest expense | $3,346,000 | 3,362 |
| Salaries and employee benefits | $1,716,000 | 3,499 |
| Premises and equipment expense | $475,000 | 3,355 |
| Additional noninterest expense | $1,155,000 | 2,995 |
| Pre-tax net operating income | $1,448,000 | 3,590 |
| Securities gains (losses) | $27,000 | 2,773 |
| Applicable income taxes | $531,000 | 2,927 |
| Income before extraordinary items | $944,000 | 4,132 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $944,000 | 4,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,021 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $926,720 | 4,028 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,521,000 | 3,156 |
| Total interest expense | $1,751,000 | 2,642 |
| Net interest income | $2,770,000 | 3,407 |
| Provision for loan and lease losses | $265,000 | 2,048 |
| Total noninterest income | $549,000 | 3,551 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $273,000 | 2,862 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $276,000 | 3,448 |
| Total noninterest expense | $2,188,000 | 3,421 |
| Salaries and employee benefits | $1,118,000 | 3,562 |
| Premises and equipment expense | $323,000 | 3,294 |
| Additional noninterest expense | $747,000 | 3,056 |
| Pre-tax net operating income | $866,000 | 3,853 |
| Securities gains (losses) | $25,000 | 2,481 |
| Applicable income taxes | $321,000 | 3,108 |
| Income before extraordinary items | $570,000 | 4,444 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $570,000 | 4,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,910 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $554,000 | 4,306 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,185,000 | 3,259 |
| Total interest expense | $880,000 | 2,690 |
| Net interest income | $1,305,000 | 3,571 |
| Provision for loan and lease losses | $131,000 | 1,953 |
| Total noninterest income | $276,000 | 3,441 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $124,000 | 3,004 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $152,000 | 3,188 |
| Total noninterest expense | $1,111,000 | 3,361 |
| Salaries and employee benefits | $600,000 | 3,368 |
| Premises and equipment expense | $163,000 | 3,263 |
| Additional noninterest expense | $348,000 | 3,212 |
| Pre-tax net operating income | $339,000 | 4,460 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $122,000 | 3,591 |
| Income before extraordinary items | $217,000 | 5,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $217,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $217,000 | 4,908 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,467,000 | 3,477 |
| Total interest expense | $3,767,000 | 2,890 |
| Net interest income | $4,700,000 | 3,846 |
| Provision for loan and lease losses | $529,000 | 2,296 |
| Total noninterest income | $1,073,000 | 3,318 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $477,000 | 3,098 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $596,000 | 2,972 |
| Total noninterest expense | $3,958,000 | 3,591 |
| Salaries and employee benefits | $1,965,000 | 3,791 |
| Premises and equipment expense | $643,000 | 3,215 |
| Additional noninterest expense | $1,350,000 | 3,249 |
| Pre-tax net operating income | $1,286,000 | 4,526 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $446,000 | 3,678 |
| Income before extraordinary items | $840,000 | 5,067 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $840,000 | 5,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,646 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,700,000 | 243 |
| Net operating income | $840,000 | 4,939 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,020,000 | 4,018 |
| Total interest expense | $4,290,000 | 3,596 |
| Net interest income | $3,730,000 | 4,360 |
| Provision for loan and lease losses | $412,000 | 2,561 |
| Total noninterest income | $692,000 | 4,222 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $294,000 | 4,205 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $398,000 | 3,545 |
| Total noninterest expense | $3,364,000 | 3,952 |
| Salaries and employee benefits | $1,802,000 | 3,912 |
| Premises and equipment expense | $520,000 | 3,748 |
| Additional noninterest expense | $1,042,000 | 3,925 |
| Pre-tax net operating income | $646,000 | 5,998 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $122,000 | 5,750 |
| Income before extraordinary items | $540,000 | 5,888 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $540,000 | 5,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,371 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $526,880 | 5,834 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,983,000 | 5,091 |
| Total interest expense | $2,983,000 | 4,949 |
| Net interest income | $3,000,000 | 5,162 |
| Provision for loan and lease losses | $361,000 | 2,485 |
| Total noninterest income | $422,000 | 5,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 4,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,000 | 4,803 |
| Total noninterest expense | $2,568,000 | 4,766 |
| Salaries and employee benefits | $1,328,000 | 4,824 |
| Premises and equipment expense | $401,000 | 4,502 |
| Additional noninterest expense | $839,000 | 4,577 |
| Pre-tax net operating income | $493,000 | 7,037 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $493,000 | 6,367 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $493,000 | 6,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,269 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $493,000 | 6,380 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,767,000 | 7,632 |
| Total interest expense | $949,000 | 8,316 |
| Net interest income | $1,818,000 | 6,975 |
| Provision for loan and lease losses | $484,000 | 1,819 |
| Total noninterest income | $280,000 | 6,628 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,350 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,460 |
| Total noninterest expense | $1,840,000 | 5,999 |
| Salaries and employee benefits | $1,013,000 | 5,834 |
| Premises and equipment expense | $253,000 | 5,997 |
| Additional noninterest expense | $574,000 | 5,994 |
| Pre-tax net operating income | $-226,000 | 9,651 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-226,000 | 9,702 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-226,000 | 9,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-226,000 | 9,680 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $256,000 | 10,331 |
| Total interest expense | $54,000 | 10,341 |
| Net interest income | $202,000 | 10,295 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $1,000 | 10,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $639,000 | 9,297 |
| Salaries and employee benefits | $340,000 | 9,356 |
| Premises and equipment expense | $47,000 | 9,891 |
| Additional noninterest expense | $252,000 | 8,587 |
| Pre-tax net operating income | $-476,000 | 10,173 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-476,000 | 10,214 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-476,000 | 10,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,930,000 | 142 |
| Net operating income | $-476,000 | 10,182 |
* 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.