Home > Universal Financial Corp. > Income and Expense
Universal Financial Corp., Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $68,980,000 | 455 |
| Total interest expense | $14,551,000 | 846 |
| Net interest income | $54,429,000 | 350 |
| Provision for loan and lease losses | $21,412,000 | 75 |
| Total noninterest income | $23,295,000 | 282 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,295,000 | 207 |
| Total noninterest expense | $11,640,000 | 1,167 |
| Salaries and employee benefits | $720,000 | 6,512 |
| Premises and equipment expense | $134,000 | 6,967 |
| Additional noninterest expense | $10,786,000 | 425 |
| Pre-tax net operating income | $44,672,000 | 252 |
| Securities gains (losses) | $9,000 | 918 |
| Applicable income taxes | $15,721,000 | 240 |
| Income before extraordinary items | $28,960,000 | 264 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $28,960,000 | 264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,412,000 | 70 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $28,954,150 | 261 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $44,815,000 | 456 |
| Total interest expense | $9,491,000 | 819 |
| Net interest income | $35,324,000 | 364 |
| Provision for loan and lease losses | $14,087,000 | 78 |
| Total noninterest income | $15,673,000 | 284 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,673,000 | 211 |
| Total noninterest expense | $7,475,000 | 1,225 |
| Salaries and employee benefits | $281,000 | 7,738 |
| Premises and equipment expense | $45,000 | 7,950 |
| Additional noninterest expense | $7,149,000 | 429 |
| Pre-tax net operating income | $29,435,000 | 260 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $10,354,000 | 250 |
| Income before extraordinary items | $19,081,000 | 269 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $19,081,000 | 269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,087,000 | 76 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $19,081,000 | 265 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $22,742,000 | 444 |
| Total interest expense | $4,593,000 | 794 |
| Net interest income | $18,149,000 | 353 |
| Provision for loan and lease losses | $7,212,000 | 71 |
| Total noninterest income | $7,594,000 | 285 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,594,000 | 218 |
| Total noninterest expense | $3,831,000 | 1,195 |
| Salaries and employee benefits | $165,000 | 7,455 |
| Premises and equipment expense | $22,000 | 7,985 |
| Additional noninterest expense | $3,644,000 | 419 |
| Pre-tax net operating income | $14,700,000 | 257 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,171,000 | 246 |
| Income before extraordinary items | $9,529,000 | 265 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,529,000 | 264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,212,000 | 72 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $9,529,000 | 262 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $88,688,000 | 409 |
| Total interest expense | $12,422,000 | 903 |
| Net interest income | $76,266,000 | 330 |
| Provision for loan and lease losses | $40,416,000 | 63 |
| Total noninterest income | $31,521,000 | 280 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $31,521,000 | 218 |
| Total noninterest expense | $16,289,000 | 1,045 |
| Salaries and employee benefits | $422,000 | 8,136 |
| Premises and equipment expense | $49,000 | 8,486 |
| Additional noninterest expense | $15,818,000 | 406 |
| Pre-tax net operating income | $51,082,000 | 278 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $17,982,000 | 260 |
| Income before extraordinary items | $33,100,000 | 285 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $33,100,000 | 286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,416,000 | 68 |
| Cash dividends | $75,000,000 | 98 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $33,100,000 | 284 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $66,199,000 | 392 |
| Total interest expense | $8,626,000 | 913 |
| Net interest income | $57,573,000 | 325 |
| Provision for loan and lease losses | $28,257,000 | 64 |
| Total noninterest income | $23,243,000 | 288 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,243,000 | 226 |
| Total noninterest expense | $12,069,000 | 1,049 |
| Salaries and employee benefits | $299,000 | 8,201 |
| Premises and equipment expense | $27,000 | 8,620 |
| Additional noninterest expense | $11,743,000 | 398 |
| Pre-tax net operating income | $40,490,000 | 269 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $14,249,000 | 261 |
| Income before extraordinary items | $26,241,000 | 272 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $26,241,000 | 273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,257,000 | 65 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $26,241,000 | 267 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $42,241,000 | 400 |
| Total interest expense | $5,179,000 | 948 |
| Net interest income | $37,062,000 | 328 |
| Provision for loan and lease losses | $20,079,000 | 60 |
| Total noninterest income | $14,758,000 | 299 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $14,758,000 | 230 |
| Total noninterest expense | $7,932,000 | 1,053 |
| Salaries and employee benefits | $201,000 | 8,192 |
| Premises and equipment expense | $20,000 | 8,575 |
| Additional noninterest expense | $7,711,000 | 397 |
| Pre-tax net operating income | $23,809,000 | 282 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,385,000 | 277 |
| Income before extraordinary items | $15,424,000 | 297 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $15,424,000 | 297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,079,000 | 64 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $15,424,000 | 293 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $18,958,000 | 432 |
| Total interest expense | $1,944,000 | 1,216 |
| Net interest income | $17,014,000 | 346 |
| Provision for loan and lease losses | $8,540,000 | 67 |
| Total noninterest income | $6,209,000 | 327 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,209,000 | 255 |
| Total noninterest expense | $3,640,000 | 1,157 |
| Salaries and employee benefits | $125,000 | 7,952 |
| Premises and equipment expense | $10,000 | 8,622 |
| Additional noninterest expense | $3,505,000 | 413 |
| Pre-tax net operating income | $11,043,000 | 297 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,867,000 | 293 |
| Income before extraordinary items | $7,176,000 | 310 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $7,176,000 | 310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,540,000 | 73 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $7,176,000 | 302 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $71,244,000 | 416 |
| Total interest expense | $4,851,000 | 1,687 |
| Net interest income | $66,393,000 | 342 |
| Provision for loan and lease losses | $36,135,000 | 78 |
| Total noninterest income | $28,558,000 | 307 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $28,558,000 | 235 |
| Total noninterest expense | $14,837,000 | 1,094 |
| Salaries and employee benefits | $288,000 | 8,625 |
| Premises and equipment expense | $36,000 | 8,755 |
| Additional noninterest expense | $14,513,000 | 410 |
| Pre-tax net operating income | $43,979,000 | 281 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $15,401,000 | 276 |
| Income before extraordinary items | $28,578,000 | 300 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $28,578,000 | 300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,281,000 | 77 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $28,578,000 | 291 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $51,649,000 | 424 |
| Total interest expense | $3,170,000 | 1,888 |
| Net interest income | $48,479,000 | 347 |
| Provision for loan and lease losses | $27,452,000 | 81 |
| Total noninterest income | $21,359,000 | 308 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,359,000 | 241 |
| Total noninterest expense | $11,078,000 | 1,089 |
| Salaries and employee benefits | $225,000 | 8,619 |
| Premises and equipment expense | $25,000 | 8,805 |
| Additional noninterest expense | $10,828,000 | 412 |
| Pre-tax net operating income | $31,308,000 | 294 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $10,964,000 | 288 |
| Income before extraordinary items | $20,344,000 | 311 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $20,344,000 | 311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,598,000 | 81 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $20,344,000 | 298 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $32,458,000 | 444 |
| Total interest expense | $1,915,000 | 2,063 |
| Net interest income | $30,543,000 | 359 |
| Provision for loan and lease losses | $19,108,000 | 79 |
| Total noninterest income | $14,163,000 | 309 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,163,000 | 242 |
| Total noninterest expense | $7,634,000 | 1,051 |
| Salaries and employee benefits | $164,000 | 8,592 |
| Premises and equipment expense | $17,000 | 8,845 |
| Additional noninterest expense | $7,453,000 | 394 |
| Pre-tax net operating income | $17,964,000 | 320 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,292,000 | 321 |
| Income before extraordinary items | $11,672,000 | 344 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $11,672,000 | 343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,254,000 | 79 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $11,672,000 | 331 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $15,853,000 | 457 |
| Total interest expense | $976,000 | 2,040 |
| Net interest income | $14,877,000 | 374 |
| Provision for loan and lease losses | $10,085,000 | 77 |
| Total noninterest income | $6,899,000 | 312 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,899,000 | 243 |
| Total noninterest expense | $3,781,000 | 1,076 |
| Salaries and employee benefits | $102,000 | 8,361 |
| Premises and equipment expense | $13,000 | 8,652 |
| Additional noninterest expense | $3,666,000 | 396 |
| Pre-tax net operating income | $7,910,000 | 352 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,813,000 | 343 |
| Income before extraordinary items | $5,097,000 | 379 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $5,097,000 | 378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,085,000 | 77 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $5,097,000 | 360 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $73,213,000 | 409 |
| Total interest expense | $6,763,000 | 1,310 |
| Net interest income | $66,450,000 | 332 |
| Provision for loan and lease losses | $55,599,000 | 74 |
| Total noninterest income | $36,377,000 | 270 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $36,377,000 | 221 |
| Total noninterest expense | $22,432,000 | 727 |
| Salaries and employee benefits | $319,000 | 8,706 |
| Premises and equipment expense | $54,000 | 8,705 |
| Additional noninterest expense | $22,059,000 | 313 |
| Pre-tax net operating income | $24,796,000 | 405 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $8,858,000 | 404 |
| Income before extraordinary items | $15,938,000 | 454 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $15,938,000 | 455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,872,000 | 72 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $15,938,000 | 426 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $57,883,000 | 409 |
| Total interest expense | $5,689,000 | 1,225 |
| Net interest income | $52,194,000 | 330 |
| Provision for loan and lease losses | $46,468,000 | 75 |
| Total noninterest income | $29,165,000 | 269 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $29,165,000 | 220 |
| Total noninterest expense | $18,869,000 | 680 |
| Salaries and employee benefits | $263,000 | 8,597 |
| Premises and equipment expense | $38,000 | 8,797 |
| Additional noninterest expense | $18,568,000 | 290 |
| Pre-tax net operating income | $16,022,000 | 464 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $5,744,000 | 458 |
| Income before extraordinary items | $10,278,000 | 537 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $10,278,000 | 537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,741,000 | 68 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $10,278,000 | 503 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $40,071,000 | 400 |
| Total interest expense | $4,041,000 | 1,182 |
| Net interest income | $36,030,000 | 323 |
| Provision for loan and lease losses | $33,284,000 | 72 |
| Total noninterest income | $19,812,000 | 262 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $19,812,000 | 211 |
| Total noninterest expense | $12,827,000 | 661 |
| Salaries and employee benefits | $200,000 | 8,459 |
| Premises and equipment expense | $36,000 | 8,500 |
| Additional noninterest expense | $12,591,000 | 287 |
| Pre-tax net operating income | $9,731,000 | 498 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $3,493,000 | 497 |
| Income before extraordinary items | $6,238,000 | 576 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,238,000 | 575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,284,000 | 74 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $6,238,000 | 527 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $19,808,000 | 409 |
| Total interest expense | $1,994,000 | 1,226 |
| Net interest income | $17,814,000 | 327 |
| Provision for loan and lease losses | $19,111,000 | 69 |
| Total noninterest income | $9,325,000 | 272 |
| 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 | $9,325,000 | 221 |
| Total noninterest expense | $6,390,000 | 658 |
| Salaries and employee benefits | $143,000 | 7,841 |
| Premises and equipment expense | $16,000 | 8,615 |
| Additional noninterest expense | $6,231,000 | 288 |
| Pre-tax net operating income | $1,638,000 | 1,306 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $625,000 | 1,153 |
| Income before extraordinary items | $1,013,000 | 1,587 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,013,000 | 1,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,111,000 | 76 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,013,000 | 1,490 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $76,418,000 | 438 |
| Total interest expense | $9,980,000 | 1,126 |
| Net interest income | $66,438,000 | 344 |
| Provision for loan and lease losses | $53,138,000 | 96 |
| Total noninterest income | $39,078,000 | 259 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,000 | 8,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,077,000 | 208 |
| Total noninterest expense | $23,650,000 | 684 |
| Salaries and employee benefits | $507,000 | 8,117 |
| Premises and equipment expense | $128,000 | 7,773 |
| Additional noninterest expense | $23,015,000 | 312 |
| Pre-tax net operating income | $28,728,000 | 356 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $10,272,000 | 352 |
| Income before extraordinary items | $18,456,000 | 390 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $18,456,000 | 391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,138,000 | 91 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $18,456,000 | 369 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $106,263,000 | 375 |
| Total interest expense | $21,079,000 | 775 |
| Net interest income | $85,184,000 | 280 |
| Provision for loan and lease losses | $51,255,000 | 103 |
| Total noninterest income | $1,433,000 | 2,602 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $8,000 | 8,282 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,425,000 | 1,599 |
| Total noninterest expense | $45,120,000 | 390 |
| Salaries and employee benefits | $582,000 | 7,752 |
| Premises and equipment expense | $121,000 | 7,989 |
| Additional noninterest expense | $44,417,000 | 219 |
| Pre-tax net operating income | $-9,758,000 | 9,592 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-3,269,000 | 9,588 |
| Income before extraordinary items | $-6,489,000 | 9,581 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-6,489,000 | 9,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,255,000 | 101 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-6,489,000 | 9,573 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $94,905,000 | 424 |
| Total interest expense | $23,902,000 | 762 |
| Net interest income | $71,003,000 | 319 |
| Provision for loan and lease losses | $32,727,000 | 116 |
| Total noninterest income | $1,202,000 | 2,756 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,000 | 8,577 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,201,000 | 1,652 |
| Total noninterest expense | $35,319,000 | 462 |
| Salaries and employee benefits | $603,000 | 7,686 |
| Premises and equipment expense | $115,000 | 8,191 |
| Additional noninterest expense | $34,601,000 | 245 |
| Pre-tax net operating income | $4,159,000 | 1,762 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,438,000 | 1,572 |
| Income before extraordinary items | $2,721,000 | 1,918 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,721,000 | 1,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,827,000 | 122 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,721,000 | 1,914 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $77,639,000 | 488 |
| Total interest expense | $17,958,000 | 880 |
| Net interest income | $59,681,000 | 371 |
| Provision for loan and lease losses | $19,195,000 | 145 |
| Total noninterest income | $818,000 | 3,565 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $818,000 | 2,135 |
| Total noninterest expense | $14,933,000 | 946 |
| Salaries and employee benefits | $730,000 | 7,081 |
| Premises and equipment expense | $106,000 | 8,515 |
| Additional noninterest expense | $14,097,000 | 465 |
| Pre-tax net operating income | $26,371,000 | 394 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $10,087,000 | 370 |
| Income before extraordinary items | $16,284,000 | 426 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $16,284,000 | 426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,195,000 | 133 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $16,284,000 | 418 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,856,000 | 1,549 |
| Total interest expense | $4,724,000 | 3,161 |
| Net interest income | $16,132,000 | 1,047 |
| Provision for loan and lease losses | $13,864,000 | 175 |
| Total noninterest income | $235,000 | 7,157 |
| 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 | $234,000 | 4,560 |
| Total noninterest expense | $7,205,000 | 1,802 |
| Salaries and employee benefits | $640,000 | 7,530 |
| Premises and equipment expense | $66,000 | 9,435 |
| Additional noninterest expense | $6,499,000 | 802 |
| Pre-tax net operating income | $-4,702,000 | 10,441 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-1,646,000 | 10,439 |
| Income before extraordinary items | $-3,056,000 | 10,430 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-3,056,000 | 10,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,234,000 | 270 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-3,056,000 | 10,416 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,167,000 | 1,920 |
| Total interest expense | $3,672,000 | 3,977 |
| Net interest income | $13,495,000 | 1,284 |
| Provision for loan and lease losses | $6,806,000 | 275 |
| Total noninterest income | $163,000 | 8,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,496 |
| Total noninterest expense | $3,577,000 | 3,536 |
| Salaries and employee benefits | $752,000 | 7,018 |
| Premises and equipment expense | $106,000 | 8,826 |
| Additional noninterest expense | $2,719,000 | 1,579 |
| Pre-tax net operating income | $3,275,000 | 2,300 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,208,000 | 2,069 |
| Income before extraordinary items | $2,067,000 | 2,507 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,067,000 | 2,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,582,000 | 271 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,067,000 | 2,452 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,316,000 | 2,704 |
| Total interest expense | $2,525,000 | 5,472 |
| Net interest income | $9,791,000 | 1,814 |
| Provision for loan and lease losses | $6,029,000 | 298 |
| Total noninterest income | $138,000 | 9,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,227 |
| Total noninterest expense | $2,815,000 | 4,530 |
| Salaries and employee benefits | $700,000 | 7,532 |
| Premises and equipment expense | $107,000 | 9,100 |
| Additional noninterest expense | $2,008,000 | 2,445 |
| Pre-tax net operating income | $1,085,000 | 5,461 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $415,000 | 4,786 |
| Income before extraordinary items | $670,000 | 5,890 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $670,000 | 5,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,135,000 | 334 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $670,000 | 5,839 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,980,000 | 2,571 |
| Total interest expense | $2,829,000 | 5,029 |
| Net interest income | $10,151,000 | 1,765 |
| Provision for loan and lease losses | $4,279,000 | 354 |
| Total noninterest income | $101,000 | 10,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,238 |
| Total noninterest expense | $2,797,000 | 4,538 |
| Salaries and employee benefits | $640,000 | 8,112 |
| Premises and equipment expense | $59,000 | 10,818 |
| Additional noninterest expense | $2,098,000 | 2,314 |
| Pre-tax net operating income | $3,176,000 | 2,320 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,214,000 | 2,010 |
| Income before extraordinary items | $1,962,000 | 2,554 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,962,000 | 2,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,919,000 | 322 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,962,000 | 2,528 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,842,000 | 2,806 |
| Total interest expense | $2,387,000 | 4,831 |
| Net interest income | $8,455,000 | 2,135 |
| Provision for loan and lease losses | $4,768,000 | 299 |
| Total noninterest income | $1,798,000 | 1,981 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,798,000 | 1,219 |
| Total noninterest expense | $3,019,000 | 4,385 |
| Salaries and employee benefits | $438,000 | 9,934 |
| Premises and equipment expense | $201,000 | 7,402 |
| Additional noninterest expense | $2,380,000 | 2,226 |
| Pre-tax net operating income | $2,466,000 | 2,864 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $944,000 | 2,363 |
| Income before extraordinary items | $1,522,000 | 3,134 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,522,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,201,000 | 336 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,522,000 | 3,154 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,106,000 | 5,669 |
| Total interest expense | $992,000 | 9,149 |
| Net interest income | $4,114,000 | 4,288 |
| Provision for loan and lease losses | $5,824,000 | 396 |
| Total noninterest income | $1,666,000 | 2,250 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,666,000 | 1,427 |
| Total noninterest expense | $1,764,000 | 6,994 |
| Salaries and employee benefits | $370,000 | 10,938 |
| Premises and equipment expense | $82,000 | 11,085 |
| Additional noninterest expense | $1,312,000 | 3,908 |
| Pre-tax net operating income | $-1,808,000 | 13,067 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-693,000 | 13,156 |
| Income before extraordinary items | $-1,115,000 | 13,015 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,115,000 | 13,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $845,000 | 1,280 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-1,115,000 | 12,974 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $573,000 | 13,641 |
| Total interest expense | $187,000 | 13,733 |
| Net interest income | $386,000 | 13,422 |
| Provision for loan and lease losses | $89,000 | 7,639 |
| Total noninterest income | $42,000 | 13,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $583,000 | 12,163 |
| Salaries and employee benefits | $303,000 | 11,978 |
| Premises and equipment expense | $67,000 | 11,992 |
| Additional noninterest expense | $213,000 | 12,053 |
| Pre-tax net operating income | $-244,000 | 13,131 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-81,000 | 13,557 |
| Income before extraordinary items | $-163,000 | 13,136 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-163,000 | 13,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 7,598 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-163,000 | 13,004 |
* 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.