Home > University National Bank > Income and Expense
University National Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,054,000 | 5,966 |
| Total interest expense | $244,000 | 6,829 |
| Net interest income | $810,000 | 5,363 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $566,000 | 2,016 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $115,000 | 3,157 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $451,000 | 1,446 |
| Total noninterest expense | $1,067,000 | 3,811 |
| Salaries and employee benefits | $692,000 | 3,374 |
| Premises and equipment expense | $84,000 | 5,502 |
| Additional noninterest expense | $291,000 | 3,994 |
| Pre-tax net operating income | $309,000 | 4,895 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $309,000 | 4,342 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $309,000 | 4,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $348,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $309,000 | 4,332 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,875,000 | 5,913 |
| Total interest expense | $734,000 | 6,943 |
| Net interest income | $3,141,000 | 5,367 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $751,000 | 4,194 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $473,000 | 3,167 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $278,000 | 4,507 |
| Total noninterest expense | $2,957,000 | 4,810 |
| Salaries and employee benefits | $1,669,000 | 4,723 |
| Premises and equipment expense | $350,000 | 5,289 |
| Additional noninterest expense | $938,000 | 4,637 |
| Pre-tax net operating income | $935,000 | 5,543 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $935,000 | 4,986 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $935,000 | 4,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $660,000 | 3,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $935,000 | 4,959 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,872,000 | 5,926 |
| Total interest expense | $510,000 | 7,041 |
| Net interest income | $2,362,000 | 5,361 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $568,000 | 4,189 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $358,000 | 3,157 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $210,000 | 4,507 |
| Total noninterest expense | $2,208,000 | 4,801 |
| Salaries and employee benefits | $1,264,000 | 4,665 |
| Premises and equipment expense | $262,000 | 5,272 |
| Additional noninterest expense | $682,000 | 4,708 |
| Pre-tax net operating income | $722,000 | 5,578 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $722,000 | 5,002 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $722,000 | 5,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $320,000 | 3,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $722,000 | 4,959 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,897,000 | 5,890 |
| Total interest expense | $311,000 | 7,119 |
| Net interest income | $1,586,000 | 5,316 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $369,000 | 4,236 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $232,000 | 3,190 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $137,000 | 4,512 |
| Total noninterest expense | $1,501,000 | 4,726 |
| Salaries and employee benefits | $852,000 | 4,606 |
| Premises and equipment expense | $203,000 | 4,775 |
| Additional noninterest expense | $446,000 | 4,755 |
| Pre-tax net operating income | $454,000 | 5,682 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $454,000 | 5,134 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $454,000 | 5,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $320,000 | 2,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $454,000 | 5,081 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $942,000 | 5,916 |
| Total interest expense | $143,000 | 7,255 |
| Net interest income | $799,000 | 5,329 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $175,000 | 4,319 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $109,000 | 3,248 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $66,000 | 4,568 |
| Total noninterest expense | $761,000 | 4,703 |
| Salaries and employee benefits | $436,000 | 4,540 |
| Premises and equipment expense | $104,000 | 4,732 |
| Additional noninterest expense | $221,000 | 4,745 |
| Pre-tax net operating income | $213,000 | 5,813 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $213,000 | 5,263 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $213,000 | 5,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $160,000 | 2,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $213,000 | 5,228 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,750,000 | 5,763 |
| Total interest expense | $485,000 | 7,358 |
| Net interest income | $3,265,000 | 5,144 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $783,000 | 4,104 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $507,000 | 3,116 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $276,000 | 4,424 |
| Total noninterest expense | $3,013,000 | 4,648 |
| Salaries and employee benefits | $1,691,000 | 4,539 |
| Premises and equipment expense | $359,000 | 5,122 |
| Additional noninterest expense | $963,000 | 4,484 |
| Pre-tax net operating income | $1,035,000 | 5,154 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,040,000 | 4,588 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,040,000 | 4,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $840,000 | 2,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,035,000 | 4,529 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,794,000 | 5,775 |
| Total interest expense | $354,000 | 7,433 |
| Net interest income | $2,440,000 | 5,134 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $590,000 | 4,126 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $383,000 | 3,112 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $207,000 | 4,432 |
| Total noninterest expense | $2,251,000 | 4,626 |
| Salaries and employee benefits | $1,270,000 | 4,491 |
| Premises and equipment expense | $309,000 | 4,669 |
| Additional noninterest expense | $672,000 | 4,675 |
| Pre-tax net operating income | $779,000 | 5,255 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $783,000 | 4,684 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $783,000 | 4,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $520,000 | 2,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $779,000 | 4,616 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,870,000 | 5,775 |
| Total interest expense | $239,000 | 7,474 |
| Net interest income | $1,631,000 | 5,131 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $388,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $253,000 | 3,116 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $135,000 | 4,514 |
| Total noninterest expense | $1,519,000 | 4,626 |
| Salaries and employee benefits | $863,000 | 4,462 |
| Premises and equipment expense | $206,000 | 4,676 |
| Additional noninterest expense | $450,000 | 4,679 |
| Pre-tax net operating income | $500,000 | 5,303 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $504,000 | 4,718 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $504,000 | 4,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $320,000 | 2,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $500,000 | 4,650 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 5,768 |
| Total interest expense | $123,000 | 7,470 |
| Net interest income | $820,000 | 5,123 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $186,000 | 4,225 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $140,000 | 2,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $46,000 | 5,276 |
| Total noninterest expense | $758,000 | 4,649 |
| Salaries and employee benefits | $425,000 | 4,532 |
| Premises and equipment expense | $104,000 | 4,667 |
| Additional noninterest expense | $229,000 | 4,609 |
| Pre-tax net operating income | $248,000 | 5,303 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $252,000 | 4,728 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $252,000 | 4,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $160,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $248,000 | 4,660 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,090,000 | 5,560 |
| Total interest expense | $633,000 | 7,287 |
| Net interest income | $3,457,000 | 4,843 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $798,000 | 4,234 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $600,000 | 2,688 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $198,000 | 5,303 |
| Total noninterest expense | $3,122,000 | 4,487 |
| Salaries and employee benefits | $1,709,000 | 4,423 |
| Premises and equipment expense | $406,000 | 4,686 |
| Additional noninterest expense | $1,007,000 | 4,255 |
| Pre-tax net operating income | $1,133,000 | 4,821 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,137,000 | 4,275 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,137,000 | 4,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $940,000 | 2,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,133,000 | 4,117 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,157,000 | 5,515 |
| Total interest expense | $508,000 | 7,278 |
| Net interest income | $2,649,000 | 4,770 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $591,000 | 4,309 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $442,000 | 2,735 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $149,000 | 5,342 |
| Total noninterest expense | $2,324,000 | 4,496 |
| Salaries and employee benefits | $1,294,000 | 4,384 |
| Premises and equipment expense | $303,000 | 4,685 |
| Additional noninterest expense | $727,000 | 4,350 |
| Pre-tax net operating income | $916,000 | 4,787 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $920,000 | 4,225 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $920,000 | 4,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $600,000 | 2,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $916,000 | 4,057 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,166,000 | 5,471 |
| Total interest expense | $370,000 | 7,194 |
| Net interest income | $1,796,000 | 4,717 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $389,000 | 4,318 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $291,000 | 2,720 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $98,000 | 5,351 |
| Total noninterest expense | $1,556,000 | 4,461 |
| Salaries and employee benefits | $870,000 | 4,353 |
| Premises and equipment expense | $204,000 | 4,643 |
| Additional noninterest expense | $482,000 | 4,369 |
| Pre-tax net operating income | $629,000 | 4,701 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $630,000 | 4,151 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $630,000 | 4,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $400,000 | 2,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $629,000 | 3,961 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,113,000 | 5,392 |
| Total interest expense | $196,000 | 7,129 |
| Net interest income | $917,000 | 4,648 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $191,000 | 4,284 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $144,000 | 2,659 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $47,000 | 5,386 |
| Total noninterest expense | $775,000 | 4,463 |
| Salaries and employee benefits | $436,000 | 4,349 |
| Premises and equipment expense | $102,000 | 4,629 |
| Additional noninterest expense | $237,000 | 4,391 |
| Pre-tax net operating income | $333,000 | 4,518 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $334,000 | 3,940 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $334,000 | 3,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $200,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $333,000 | 3,768 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,156,000 | 5,073 |
| Total interest expense | $1,081,000 | 6,726 |
| Net interest income | $4,075,000 | 4,292 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $821,000 | 3,927 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $599,000 | 2,570 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $222,000 | 4,815 |
| Total noninterest expense | $3,204,000 | 4,243 |
| Salaries and employee benefits | $1,738,000 | 4,203 |
| Premises and equipment expense | $391,000 | 4,728 |
| Additional noninterest expense | $1,075,000 | 3,950 |
| Pre-tax net operating income | $1,692,000 | 3,800 |
| Securities gains (losses) | $8,000 | 3,732 |
| Applicable income taxes | $-6,000 | 8,832 |
| Income before extraordinary items | $1,706,000 | 3,170 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,706,000 | 3,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $1,500,000 | 1,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,698,000 | 3,086 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,938,000 | 5,002 |
| Total interest expense | $1,826,000 | 6,375 |
| Net interest income | $4,112,000 | 4,041 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $792,000 | 3,879 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $619,000 | 2,375 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $173,000 | 5,234 |
| Total noninterest expense | $3,193,000 | 4,128 |
| Salaries and employee benefits | $1,687,000 | 4,126 |
| Premises and equipment expense | $406,000 | 4,549 |
| Additional noninterest expense | $1,100,000 | 3,761 |
| Pre-tax net operating income | $1,711,000 | 3,538 |
| Securities gains (losses) | $97,000 | 1,773 |
| Applicable income taxes | $21,000 | 7,291 |
| Income before extraordinary items | $1,787,000 | 2,811 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,787,000 | 2,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $1,580,000 | 1,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,690,970 | 2,846 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,976,000 | 5,093 |
| Total interest expense | $2,024,000 | 6,235 |
| Net interest income | $3,952,000 | 4,219 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,287,000 | 2,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $639,000 | 2,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $648,000 | 2,505 |
| Total noninterest expense | $3,187,000 | 4,028 |
| Salaries and employee benefits | $1,717,000 | 3,925 |
| Premises and equipment expense | $401,000 | 4,502 |
| Additional noninterest expense | $1,069,000 | 3,788 |
| Pre-tax net operating income | $2,052,000 | 3,261 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $24,000 | 7,748 |
| Income before extraordinary items | $2,033,000 | 2,523 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,033,000 | 2,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $1,800,000 | 1,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,028,050 | 2,530 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,407,000 | 5,301 |
| Total interest expense | $1,845,000 | 6,274 |
| Net interest income | $3,562,000 | 4,596 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $846,000 | 3,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $698,000 | 1,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,639 |
| Total noninterest expense | $2,996,000 | 4,213 |
| Salaries and employee benefits | $1,621,000 | 4,078 |
| Premises and equipment expense | $378,000 | 4,709 |
| Additional noninterest expense | $997,000 | 4,035 |
| Pre-tax net operating income | $1,412,000 | 4,267 |
| Securities gains (losses) | $47,000 | 1,000 |
| Applicable income taxes | $11,000 | 8,454 |
| Income before extraordinary items | $1,448,000 | 3,325 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,448,000 | 3,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $1,240,000 | 1,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,401,470 | 3,381 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,461,000 | 5,328 |
| Total interest expense | $1,887,000 | 6,376 |
| Net interest income | $3,574,000 | 4,506 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $876,000 | 3,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $728,000 | 1,752 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,717 |
| Total noninterest expense | $3,019,000 | 4,092 |
| Salaries and employee benefits | $1,651,000 | 3,937 |
| Premises and equipment expense | $343,000 | 4,949 |
| Additional noninterest expense | $1,025,000 | 3,877 |
| Pre-tax net operating income | $1,431,000 | 4,337 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $37,000 | 8,566 |
| Income before extraordinary items | $1,404,000 | 3,429 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,404,000 | 3,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $1,220,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,394,300 | 3,354 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,488,000 | 5,419 |
| Total interest expense | $1,782,000 | 6,720 |
| Net interest income | $3,706,000 | 4,522 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $917,000 | 3,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $758,000 | 1,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 5,549 |
| Total noninterest expense | $3,086,000 | 4,009 |
| Salaries and employee benefits | $1,705,000 | 3,831 |
| Premises and equipment expense | $336,000 | 5,059 |
| Additional noninterest expense | $1,045,000 | 3,743 |
| Pre-tax net operating income | $1,537,000 | 4,403 |
| Securities gains (losses) | $10,000 | 2,359 |
| Applicable income taxes | $397,000 | 4,906 |
| Income before extraordinary items | $1,150,000 | 4,202 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,150,000 | 4,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $960,000 | 2,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,142,600 | 4,171 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,457,000 | 5,559 |
| Total interest expense | $1,743,000 | 6,973 |
| Net interest income | $3,714,000 | 4,594 |
| Provision for loan and lease losses | $38,000 | 7,073 |
| Total noninterest income | $970,000 | 3,199 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $807,000 | 1,648 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,724 |
| Total noninterest expense | $3,065,000 | 4,239 |
| Salaries and employee benefits | $1,608,000 | 4,043 |
| Premises and equipment expense | $358,000 | 4,944 |
| Additional noninterest expense | $1,099,000 | 4,061 |
| Pre-tax net operating income | $1,581,000 | 4,155 |
| Securities gains (losses) | $29,000 | 1,716 |
| Applicable income taxes | $416,000 | 4,775 |
| Income before extraordinary items | $1,194,000 | 3,887 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,194,000 | 3,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,803 |
| Cash dividends | $920,000 | 2,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,172,540 | 3,899 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,172,000 | 5,844 |
| Total interest expense | $1,667,000 | 7,229 |
| Net interest income | $3,505,000 | 4,872 |
| Provision for loan and lease losses | $34,000 | 6,948 |
| Total noninterest income | $1,005,000 | 3,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $832,000 | 1,628 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,560 |
| Total noninterest expense | $3,037,000 | 4,243 |
| Salaries and employee benefits | $1,603,000 | 4,046 |
| Premises and equipment expense | $341,000 | 5,122 |
| Additional noninterest expense | $1,093,000 | 4,048 |
| Pre-tax net operating income | $1,439,000 | 4,602 |
| Securities gains (losses) | $-95,000 | 11,467 |
| Applicable income taxes | $316,000 | 5,826 |
| Income before extraordinary items | $1,028,000 | 4,481 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,028,000 | 4,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,621 |
| Cash dividends | $800,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,100,200 | 4,234 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,597,000 | 6,050 |
| Total interest expense | $1,355,000 | 7,380 |
| Net interest income | $3,242,000 | 5,275 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,061,000 | 2,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $870,000 | 1,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,424 |
| Total noninterest expense | $3,080,000 | 4,314 |
| Salaries and employee benefits | $1,588,000 | 4,073 |
| Premises and equipment expense | $337,000 | 5,213 |
| Additional noninterest expense | $1,155,000 | 4,199 |
| Pre-tax net operating income | $1,223,000 | 5,174 |
| Securities gains (losses) | $90,000 | 816 |
| Applicable income taxes | $312,000 | 5,729 |
| Income before extraordinary items | $1,001,000 | 4,546 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,001,000 | 4,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $800,000 | 2,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $932,600 | 4,813 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,934,000 | 5,849 |
| Total interest expense | $1,341,000 | 7,735 |
| Net interest income | $3,593,000 | 4,849 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $995,000 | 3,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $845,000 | 1,623 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 6,564 |
| Total noninterest expense | $2,979,000 | 4,542 |
| Salaries and employee benefits | $1,582,000 | 4,073 |
| Premises and equipment expense | $366,000 | 5,057 |
| Additional noninterest expense | $1,031,000 | 4,784 |
| Pre-tax net operating income | $1,609,000 | 4,073 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $421,000 | 4,821 |
| Income before extraordinary items | $1,198,000 | 4,027 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,198,000 | 4,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $800,000 | 2,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,190,600 | 3,846 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,418,000 | 5,970 |
| Total interest expense | $1,820,000 | 7,568 |
| Net interest income | $3,598,000 | 4,888 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $945,000 | 3,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $800,000 | 1,691 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $2,867,000 | 4,718 |
| Salaries and employee benefits | $1,541,000 | 4,131 |
| Premises and equipment expense | $365,000 | 5,178 |
| Additional noninterest expense | $961,000 | 5,218 |
| Pre-tax net operating income | $1,676,000 | 3,663 |
| Securities gains (losses) | $-40,000 | 13,634 |
| Applicable income taxes | $487,000 | 4,080 |
| Income before extraordinary items | $1,149,000 | 3,965 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,149,000 | 4,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 12,762 |
| Cash dividends | $800,000 | 1,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,177,000 | 3,591 |
* 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.