Home > Universal Savings Bank FA > Income and Expense
Universal Savings Bank FA, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $62,000 | 8,430 |
| Total interest expense | $26,000 | 8,377 |
| Net interest income | $36,000 | 8,433 |
| Provision for loan and lease losses | $-22,000 | 8,346 |
| Total noninterest income | $249,000 | 5,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $249,000 | 3,353 |
| Total noninterest expense | $1,653,000 | 4,822 |
| Salaries and employee benefits | $511,000 | 6,436 |
| Premises and equipment expense | $769,000 | 1,783 |
| Additional noninterest expense | $373,000 | 5,616 |
| Pre-tax net operating income | $-1,346,000 | 8,045 |
| Securities gains (losses) | $19,000 | 2,087 |
| Applicable income taxes | $1,000 | 5,487 |
| Income before extraordinary items | $-1,328,000 | 8,109 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,328,000 | 8,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,284 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,347,000 | 8,106 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $44,000 | 8,467 |
| Total interest expense | $26,000 | 8,388 |
| Net interest income | $18,000 | 8,479 |
| Provision for loan and lease losses | $-11,000 | 8,383 |
| Total noninterest income | $165,000 | 4,400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $165,000 | 2,884 |
| Total noninterest expense | $804,000 | 4,919 |
| Salaries and employee benefits | $367,000 | 5,493 |
| Premises and equipment expense | $298,000 | 2,286 |
| Additional noninterest expense | $139,000 | 6,380 |
| Pre-tax net operating income | $-610,000 | 8,153 |
| Securities gains (losses) | $15,000 | 1,758 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-595,000 | 8,190 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-595,000 | 8,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,021 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-610,000 | 8,185 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,205,000 | 8,083 |
| Total interest expense | $880,000 | 7,354 |
| Net interest income | $325,000 | 8,401 |
| Provision for loan and lease losses | $1,040,000 | 1,380 |
| Total noninterest income | $3,841,000 | 1,340 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,841,000 | 847 |
| Total noninterest expense | $9,629,000 | 1,924 |
| Salaries and employee benefits | $2,938,000 | 3,285 |
| Premises and equipment expense | $2,490,000 | 1,068 |
| Additional noninterest expense | $4,201,000 | 1,334 |
| Pre-tax net operating income | $-6,503,000 | 8,454 |
| Securities gains (losses) | $326,000 | 336 |
| Applicable income taxes | $-6,000 | 7,757 |
| Income before extraordinary items | $-6,171,000 | 8,465 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,171,000 | 8,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,222,000 | 873 |
| Cash dividends | $2,250,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-6,497,000 | 8,464 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,085,000 | 7,988 |
| Total interest expense | $810,000 | 7,070 |
| Net interest income | $275,000 | 8,423 |
| Provision for loan and lease losses | $1,050,000 | 869 |
| Total noninterest income | $3,113,000 | 1,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,113,000 | 809 |
| Total noninterest expense | $8,285,000 | 1,656 |
| Salaries and employee benefits | $2,467,000 | 2,961 |
| Premises and equipment expense | $2,076,000 | 931 |
| Additional noninterest expense | $3,742,000 | 1,097 |
| Pre-tax net operating income | $-5,947,000 | 8,530 |
| Securities gains (losses) | $302,000 | 311 |
| Applicable income taxes | $2,000 | 6,041 |
| Income before extraordinary items | $-5,647,000 | 8,538 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-5,647,000 | 8,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,123,000 | 594 |
| Cash dividends | $2,250,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-5,949,000 | 8,532 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $884,000 | 7,814 |
| Total interest expense | $667,000 | 6,716 |
| Net interest income | $217,000 | 8,441 |
| Provision for loan and lease losses | $813,000 | 682 |
| Total noninterest income | $2,070,000 | 1,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,070,000 | 834 |
| Total noninterest expense | $6,472,000 | 1,425 |
| Salaries and employee benefits | $1,775,000 | 2,794 |
| Premises and equipment expense | $1,409,000 | 939 |
| Additional noninterest expense | $3,288,000 | 853 |
| Pre-tax net operating income | $-4,998,000 | 8,596 |
| Securities gains (losses) | $349,000 | 231 |
| Applicable income taxes | $2,000 | 6,068 |
| Income before extraordinary items | $-4,651,000 | 8,595 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,651,000 | 8,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,134,000 | 414 |
| Cash dividends | $2,250,000 | 794 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-5,000,000 | 8,592 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $530,000 | 7,591 |
| Total interest expense | $368,000 | 6,535 |
| Net interest income | $162,000 | 8,326 |
| Provision for loan and lease losses | $657,000 | 414 |
| Total noninterest income | $816,000 | 1,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $816,000 | 982 |
| Total noninterest expense | $3,666,000 | 1,274 |
| Salaries and employee benefits | $979,000 | 2,586 |
| Premises and equipment expense | $665,000 | 988 |
| Additional noninterest expense | $2,022,000 | 689 |
| Pre-tax net operating income | $-3,345,000 | 8,635 |
| Securities gains (losses) | $354,000 | 148 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-2,991,000 | 8,633 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-2,991,000 | 8,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $791,000 | 288 |
| Cash dividends | $2,250,000 | 410 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-3,345,000 | 8,631 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,641,000 | 4,327 |
| Total interest expense | $4,702,000 | 3,181 |
| Net interest income | $2,939,000 | 5,589 |
| Provision for loan and lease losses | $1,889,000 | 591 |
| Total noninterest income | $4,104,000 | 1,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,104,000 | 797 |
| Total noninterest expense | $23,562,000 | 747 |
| Salaries and employee benefits | $12,502,000 | 754 |
| Premises and equipment expense | $3,992,000 | 655 |
| Additional noninterest expense | $7,068,000 | 767 |
| Pre-tax net operating income | $-18,408,000 | 8,682 |
| Securities gains (losses) | $9,440,000 | 44 |
| Applicable income taxes | $4,000 | 6,378 |
| Income before extraordinary items | $-8,972,000 | 8,674 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-8,972,000 | 8,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,654,000 | 458 |
| Cash dividends | $750,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-18,412,000 | 8,672 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,302,000 | 4,038 |
| Total interest expense | $3,857,000 | 2,864 |
| Net interest income | $2,445,000 | 5,324 |
| Provision for loan and lease losses | $1,453,000 | 537 |
| Total noninterest income | $2,773,000 | 1,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,773,000 | 872 |
| Total noninterest expense | $19,666,000 | 686 |
| Salaries and employee benefits | $11,041,000 | 652 |
| Premises and equipment expense | $3,273,000 | 592 |
| Additional noninterest expense | $5,352,000 | 761 |
| Pre-tax net operating income | $-15,901,000 | 8,745 |
| Securities gains (losses) | $9,590,000 | 36 |
| Applicable income taxes | $4,000 | 6,438 |
| Income before extraordinary items | $-6,315,000 | 8,735 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-6,315,000 | 8,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $852,000 | 533 |
| Cash dividends | $500,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-15,905,000 | 8,735 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,994,000 | 4,136 |
| Total interest expense | $2,388,000 | 2,933 |
| Net interest income | $1,606,000 | 5,391 |
| Provision for loan and lease losses | $792,000 | 653 |
| Total noninterest income | $1,769,000 | 1,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,769,000 | 905 |
| Total noninterest expense | $12,694,000 | 717 |
| Salaries and employee benefits | $7,933,000 | 621 |
| Premises and equipment expense | $2,099,000 | 616 |
| Additional noninterest expense | $2,662,000 | 1,011 |
| Pre-tax net operating income | $-10,111,000 | 8,779 |
| Securities gains (losses) | $9,272,000 | 28 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-839,000 | 8,678 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-839,000 | 8,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $580,000 | 510 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-10,111,000 | 8,769 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,061,000 | 3,994 |
| Total interest expense | $1,159,000 | 2,883 |
| Net interest income | $902,000 | 5,028 |
| Provision for loan and lease losses | $274,000 | 859 |
| Total noninterest income | $1,041,000 | 1,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,041,000 | 781 |
| Total noninterest expense | $6,194,000 | 728 |
| Salaries and employee benefits | $4,062,000 | 603 |
| Premises and equipment expense | $986,000 | 665 |
| Additional noninterest expense | $1,146,000 | 1,162 |
| Pre-tax net operating income | $-4,525,000 | 8,792 |
| Securities gains (losses) | $4,808,000 | 25 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $283,000 | 4,565 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $283,000 | 4,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 391 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-4,525,000 | 8,779 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,861,000 | 3,180 |
| Total interest expense | $4,718,000 | 2,320 |
| Net interest income | $5,143,000 | 3,874 |
| Provision for loan and lease losses | $1,097,000 | 967 |
| Total noninterest income | $4,005,000 | 1,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,005,000 | 799 |
| Total noninterest expense | $31,079,000 | 573 |
| Salaries and employee benefits | $17,602,000 | 531 |
| Premises and equipment expense | $3,454,000 | 717 |
| Additional noninterest expense | $10,023,000 | 558 |
| Pre-tax net operating income | $-23,028,000 | 8,835 |
| Securities gains (losses) | $26,520,000 | 23 |
| Applicable income taxes | $36,000 | 6,053 |
| Income before extraordinary items | $3,456,000 | 1,981 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,456,000 | 1,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,233,000 | 577 |
| Cash dividends | $2,460,000 | 1,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-22,798,800 | 8,824 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,433,000 | 3,128 |
| Total interest expense | $3,358,000 | 2,319 |
| Net interest income | $4,075,000 | 3,705 |
| Provision for loan and lease losses | $822,000 | 920 |
| Total noninterest income | $2,929,000 | 1,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,929,000 | 826 |
| Total noninterest expense | $23,823,000 | 563 |
| Salaries and employee benefits | $12,759,000 | 541 |
| Premises and equipment expense | $2,496,000 | 725 |
| Additional noninterest expense | $8,568,000 | 501 |
| Pre-tax net operating income | $-17,641,000 | 8,860 |
| Securities gains (losses) | $21,834,000 | 25 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $4,193,000 | 1,296 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,193,000 | 1,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $833,000 | 565 |
| Cash dividends | $2,460,000 | 889 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-17,641,000 | 8,850 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,516,000 | 3,303 |
| Total interest expense | $1,993,000 | 2,428 |
| Net interest income | $2,523,000 | 3,891 |
| Provision for loan and lease losses | $471,000 | 1,027 |
| Total noninterest income | $1,280,000 | 1,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,280,000 | 1,126 |
| Total noninterest expense | $16,174,000 | 555 |
| Salaries and employee benefits | $8,169,000 | 558 |
| Premises and equipment expense | $1,608,000 | 745 |
| Additional noninterest expense | $6,397,000 | 450 |
| Pre-tax net operating income | $-12,842,000 | 8,868 |
| Securities gains (losses) | $18,246,000 | 24 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $5,404,000 | 667 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,404,000 | 667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $688,000 | 478 |
| Cash dividends | $410,000 | 2,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-12,842,000 | 8,859 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,385,000 | 3,110 |
| Total interest expense | $1,011,000 | 2,314 |
| Net interest income | $1,374,000 | 3,666 |
| Provision for loan and lease losses | $265,000 | 877 |
| Total noninterest income | $640,000 | 1,782 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $640,000 | 1,119 |
| Total noninterest expense | $8,416,000 | 523 |
| Salaries and employee benefits | $4,058,000 | 552 |
| Premises and equipment expense | $808,000 | 741 |
| Additional noninterest expense | $3,550,000 | 409 |
| Pre-tax net operating income | $-6,667,000 | 8,931 |
| Securities gains (losses) | $11,352,000 | 21 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $4,685,000 | 426 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,685,000 | 426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 607 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-6,667,000 | 8,920 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,467,000 | 3,265 |
| Total interest expense | $2,397,000 | 3,146 |
| Net interest income | $6,070,000 | 3,263 |
| Provision for loan and lease losses | $1,059,000 | 994 |
| Total noninterest income | $2,564,000 | 1,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,564,000 | 1,107 |
| Total noninterest expense | $23,425,000 | 691 |
| Salaries and employee benefits | $10,191,000 | 842 |
| Premises and equipment expense | $1,875,000 | 1,219 |
| Additional noninterest expense | $11,359,000 | 488 |
| Pre-tax net operating income | $-15,850,000 | 8,977 |
| Securities gains (losses) | $5,906,000 | 100 |
| Applicable income taxes | $830,000 | 2,471 |
| Income before extraordinary items | $-10,774,000 | 8,970 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-10,774,000 | 8,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 1,329 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-16,680,000 | 8,967 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,098,000 | 3,876 |
| Total interest expense | $1,434,000 | 3,744 |
| Net interest income | $3,664,000 | 3,860 |
| Provision for loan and lease losses | $550,000 | 1,327 |
| Total noninterest income | $1,091,000 | 2,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,091,000 | 1,667 |
| Total noninterest expense | $16,327,000 | 738 |
| Salaries and employee benefits | $6,509,000 | 985 |
| Premises and equipment expense | $1,214,000 | 1,423 |
| Additional noninterest expense | $8,604,000 | 483 |
| Pre-tax net operating income | $-12,122,000 | 9,021 |
| Securities gains (losses) | $5,053,000 | 104 |
| Applicable income taxes | $830,000 | 2,051 |
| Income before extraordinary items | $-7,899,000 | 9,013 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-7,899,000 | 9,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 1,636 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-12,952,000 | 9,012 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,446,000 | 3,825 |
| Total interest expense | $850,000 | 4,098 |
| Net interest income | $2,596,000 | 3,662 |
| Provision for loan and lease losses | $285,000 | 1,655 |
| Total noninterest income | $836,000 | 2,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $836,000 | 1,502 |
| Total noninterest expense | $9,192,000 | 885 |
| Salaries and employee benefits | $4,148,000 | 1,023 |
| Premises and equipment expense | $712,000 | 1,620 |
| Additional noninterest expense | $4,332,000 | 613 |
| Pre-tax net operating income | $-6,045,000 | 9,075 |
| Securities gains (losses) | $881,000 | 234 |
| Applicable income taxes | $471,000 | 2,293 |
| Income before extraordinary items | $-5,635,000 | 9,068 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,635,000 | 9,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,165 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-6,516,000 | 9,065 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $996,000 | 5,585 |
| Total interest expense | $313,000 | 5,039 |
| Net interest income | $683,000 | 5,720 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $311,000 | 3,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $311,000 | 1,839 |
| Total noninterest expense | $4,068,000 | 1,002 |
| Salaries and employee benefits | $1,891,000 | 1,159 |
| Premises and equipment expense | $312,000 | 1,857 |
| Additional noninterest expense | $1,865,000 | 680 |
| Pre-tax net operating income | $-3,099,000 | 9,112 |
| Securities gains (losses) | $329,000 | 348 |
| Applicable income taxes | $-1,083,000 | 9,103 |
| Income before extraordinary items | $-1,687,000 | 9,104 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,687,000 | 9,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-1,897,560 | 9,093 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,964,000 | 7,581 |
| Total interest expense | $1,790,000 | 4,363 |
| Net interest income | $174,000 | 9,059 |
| Provision for loan and lease losses | $98,000 | 5,375 |
| Total noninterest income | $2,321,000 | 2,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,321,000 | 1,308 |
| Total noninterest expense | $8,624,000 | 1,837 |
| Salaries and employee benefits | $4,586,000 | 1,877 |
| Premises and equipment expense | $605,000 | 3,490 |
| Additional noninterest expense | $3,433,000 | 1,425 |
| Pre-tax net operating income | $-6,227,000 | 9,147 |
| Securities gains (losses) | $3,287,000 | 207 |
| Applicable income taxes | $-1,134,000 | 9,140 |
| Income before extraordinary items | $-1,806,000 | 9,110 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,806,000 | 9,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,130 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-3,909,680 | 9,123 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,363,000 | 7,842 |
| Total interest expense | $1,425,000 | 4,293 |
| Net interest income | $-62,000 | 9,230 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,124,000 | 1,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,124,000 | 1,180 |
| Total noninterest expense | $4,959,000 | 2,376 |
| Salaries and employee benefits | $3,217,000 | 2,002 |
| Premises and equipment expense | $342,000 | 4,327 |
| Additional noninterest expense | $1,400,000 | 2,551 |
| Pre-tax net operating income | $-2,897,000 | 9,183 |
| Securities gains (losses) | $2,592,000 | 229 |
| Applicable income taxes | $-99,000 | 9,064 |
| Income before extraordinary items | $-206,000 | 8,901 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-206,000 | 8,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,968,560 | 9,159 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,135,000 | 7,424 |
| Total interest expense | $1,005,000 | 4,241 |
| Net interest income | $130,000 | 9,139 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,403,000 | 1,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,403,000 | 1,190 |
| Total noninterest expense | $2,826,000 | 2,741 |
| Salaries and employee benefits | $1,892,000 | 2,234 |
| Premises and equipment expense | $169,000 | 5,253 |
| Additional noninterest expense | $765,000 | 2,985 |
| Pre-tax net operating income | $-1,293,000 | 9,186 |
| Securities gains (losses) | $1,450,000 | 282 |
| Applicable income taxes | $68,000 | 5,588 |
| Income before extraordinary items | $89,000 | 8,065 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $89,000 | 8,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-839,000 | 9,140 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $556,000 | 7,508 |
| Total interest expense | $569,000 | 3,934 |
| Net interest income | $-13,000 | 9,307 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $669,000 | 1,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $669,000 | 1,199 |
| Total noninterest expense | $1,161,000 | 3,253 |
| Salaries and employee benefits | $828,000 | 2,541 |
| Premises and equipment expense | $69,000 | 5,897 |
| Additional noninterest expense | $264,000 | 4,045 |
| Pre-tax net operating income | $-555,000 | 9,211 |
| Securities gains (losses) | $649,000 | 291 |
| Applicable income taxes | $40,000 | 5,397 |
| Income before extraordinary items | $54,000 | 7,793 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 7,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-361,360 | 9,162 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,359,000 | 5,635 |
| Total interest expense | $3,872,000 | 2,825 |
| Net interest income | $487,000 | 9,014 |
| Provision for loan and lease losses | $-81,000 | 9,252 |
| Total noninterest income | $133,609,000 | 133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $133,609,000 | 99 |
| Total noninterest expense | $123,520,000 | 200 |
| Salaries and employee benefits | $18,139,000 | 474 |
| Premises and equipment expense | $3,680,000 | 608 |
| Additional noninterest expense | $101,701,000 | 121 |
| Pre-tax net operating income | $10,657,000 | 819 |
| Securities gains (losses) | $1,372,000 | 350 |
| Applicable income taxes | $4,870,000 | 603 |
| Income before extraordinary items | $7,159,000 | 874 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,159,000 | 872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,403 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,280,920 | 952 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,046,000 | 4,416 |
| Total interest expense | $5,665,000 | 2,815 |
| Net interest income | $1,381,000 | 7,540 |
| Provision for loan and lease losses | $226,000 | 3,868 |
| Total noninterest income | $166,832,000 | 115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $166,832,000 | 90 |
| Total noninterest expense | $156,042,000 | 163 |
| Salaries and employee benefits | $21,802,000 | 366 |
| Premises and equipment expense | $5,052,000 | 459 |
| Additional noninterest expense | $129,188,000 | 115 |
| Pre-tax net operating income | $11,945,000 | 653 |
| Securities gains (losses) | $1,464,000 | 313 |
| Applicable income taxes | $7,017,000 | 430 |
| Income before extraordinary items | $6,392,000 | 866 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,392,000 | 868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,705 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $7,000,000 | 120 |
| Net operating income | $5,455,040 | 966 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,482,000 | 4,344 |
| Total interest expense | $5,549,000 | 3,001 |
| Net interest income | $1,933,000 | 6,673 |
| Provision for loan and lease losses | $357,000 | 2,539 |
| Total noninterest income | $140,109,000 | 133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $140,109,000 | 104 |
| Total noninterest expense | $125,369,000 | 196 |
| Salaries and employee benefits | $17,751,000 | 423 |
| Premises and equipment expense | $4,271,000 | 529 |
| Additional noninterest expense | $103,347,000 | 135 |
| Pre-tax net operating income | $16,316,000 | 525 |
| Securities gains (losses) | $152,000 | 471 |
| Applicable income taxes | $6,553,000 | 455 |
| Income before extraordinary items | $9,915,000 | 578 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,915,000 | 578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,718 |
| Cash dividends | $1,000,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,817,720 | 579 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,290,000 | 6,106 |
| Total interest expense | $2,912,000 | 4,707 |
| Net interest income | $1,378,000 | 7,820 |
| Provision for loan and lease losses | $-31,000 | 10,032 |
| Total noninterest income | $100,698,000 | 162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $100,698,000 | 125 |
| Total noninterest expense | $90,667,000 | 231 |
| Salaries and employee benefits | $13,442,000 | 544 |
| Premises and equipment expense | $2,650,000 | 770 |
| Additional noninterest expense | $74,575,000 | 158 |
| Pre-tax net operating income | $11,440,000 | 733 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $4,672,000 | 629 |
| Income before extraordinary items | $6,768,000 | 842 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,768,000 | 842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $685,000 | 946 |
| Cash dividends | $4,000,000 | 768 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $6,768,000 | 834 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,882,000 | 5,774 |
| Total interest expense | $3,127,000 | 4,566 |
| Net interest income | $1,755,000 | 7,150 |
| Provision for loan and lease losses | $39,000 | 7,011 |
| Total noninterest income | $65,726,000 | 202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $65,726,000 | 161 |
| Total noninterest expense | $54,802,000 | 322 |
| Salaries and employee benefits | $7,478,000 | 884 |
| Premises and equipment expense | $1,151,000 | 1,713 |
| Additional noninterest expense | $46,173,000 | 228 |
| Pre-tax net operating income | $12,640,000 | 650 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $5,006,000 | 582 |
| Income before extraordinary items | $7,634,000 | 744 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $7,634,000 | 743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,076,000 | 714 |
| Cash dividends | $4,000,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $7,634,000 | 720 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,725,000 | 6,023 |
| Total interest expense | $2,780,000 | 5,009 |
| Net interest income | $1,945,000 | 7,036 |
| Provision for loan and lease losses | $9,000 | 8,470 |
| Total noninterest income | $47,576,000 | 224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $47,576,000 | 170 |
| Total noninterest expense | $37,294,000 | 423 |
| Salaries and employee benefits | $6,731,000 | 986 |
| Premises and equipment expense | $810,000 | 2,396 |
| Additional noninterest expense | $29,753,000 | 266 |
| Pre-tax net operating income | $12,218,000 | 689 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $3,842,000 | 749 |
| Income before extraordinary items | $8,376,000 | 685 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $8,376,000 | 685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $874,000 | 875 |
| Cash dividends | $3,300,000 | 861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $8,376,000 | 666 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,506,000 | 6,396 |
| Total interest expense | $2,700,000 | 5,224 |
| Net interest income | $1,806,000 | 7,552 |
| Provision for loan and lease losses | $672,000 | 1,368 |
| Total noninterest income | $20,884,000 | 378 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $20,884,000 | 283 |
| Total noninterest expense | $17,369,000 | 891 |
| Salaries and employee benefits | $4,798,000 | 1,398 |
| Premises and equipment expense | $669,000 | 2,919 |
| Additional noninterest expense | $11,902,000 | 585 |
| Pre-tax net operating income | $4,649,000 | 1,565 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $1,828,000 | 1,335 |
| Income before extraordinary items | $2,832,000 | 1,747 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,832,000 | 1,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,621 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,824,960 | 1,715 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,424,000 | 6,538 |
| Total interest expense | $2,843,000 | 5,009 |
| Net interest income | $1,581,000 | 8,302 |
| Provision for loan and lease losses | $1,208,000 | 820 |
| Total noninterest income | $13,567,000 | 506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $13,567,000 | 367 |
| Total noninterest expense | $10,881,000 | 1,309 |
| Salaries and employee benefits | $3,348,000 | 1,984 |
| Premises and equipment expense | $530,000 | 3,577 |
| Additional noninterest expense | $7,003,000 | 865 |
| Pre-tax net operating income | $3,059,000 | 2,391 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,200,000 | 2,029 |
| Income before extraordinary items | $1,859,000 | 2,667 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,859,000 | 2,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,152 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,859,000 | 2,636 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,633,000 | 8,674 |
| Total interest expense | $1,540,000 | 6,775 |
| Net interest income | $1,093,000 | 10,093 |
| Provision for loan and lease losses | $266,000 | 2,476 |
| Total noninterest income | $6,946,000 | 754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $6,946,000 | 525 |
| Total noninterest expense | $7,713,000 | 1,876 |
| Salaries and employee benefits | $1,956,000 | 3,354 |
| Premises and equipment expense | $1,343,000 | 1,551 |
| Additional noninterest expense | $4,414,000 | 1,309 |
| Pre-tax net operating income | $60,000 | 11,862 |
| Securities gains (losses) | $-79,000 | 11,376 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $-20,000 | 12,071 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-20,000 | 12,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,390 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,650,000 | 335 |
| Net operating income | $59,000 | 11,785 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,613,000 | 8,978 |
| Total interest expense | $1,382,000 | 7,605 |
| Net interest income | $1,231,000 | 9,965 |
| Provision for loan and lease losses | $52,000 | 7,360 |
| Total noninterest income | $1,675,000 | 2,238 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,675,000 | 1,414 |
| Total noninterest expense | $2,821,000 | 4,760 |
| Salaries and employee benefits | $1,011,000 | 6,067 |
| Premises and equipment expense | $808,000 | 2,539 |
| Additional noninterest expense | $1,002,000 | 4,914 |
| Pre-tax net operating income | $33,000 | 12,258 |
| Securities gains (losses) | $233,000 | 1,515 |
| Applicable income taxes | $86,000 | 10,077 |
| Income before extraordinary items | $180,000 | 10,869 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $180,000 | 10,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 3,451 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $21,560 | 12,287 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $314,000 | 13,818 |
| Total interest expense | $161,000 | 13,765 |
| Net interest income | $153,000 | 13,809 |
| Provision for loan and lease losses | $5,000 | 11,499 |
| Total noninterest income | $12,000 | 13,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $160,000 | 13,849 |
| Salaries and employee benefits | $82,000 | 13,830 |
| Premises and equipment expense | $22,000 | 13,625 |
| Additional noninterest expense | $56,000 | 13,823 |
| Pre-tax net operating income | $0 | 12,692 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $0 | 12,887 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $0 | 12,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $-4,400,000 | 13,904 |
| Net operating income | $0 | 12,664 |
* 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.