Home > Westminster Union Bank > Income and Expense
Westminster Union Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $24,232,000 | 868 |
| Total interest expense | $9,277,000 | 1,060 |
| Net interest income | $14,955,000 | 758 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $3,004,000 | 965 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,796,000 | 481 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,208,000 | 1,217 |
| Total noninterest expense | $8,341,000 | 1,137 |
| Salaries and employee benefits | $3,725,000 | 1,362 |
| Premises and equipment expense | $1,164,000 | 1,154 |
| Additional noninterest expense | $3,452,000 | 813 |
| Pre-tax net operating income | $9,318,000 | 551 |
| Securities gains (losses) | $45,000 | 560 |
| Applicable income taxes | $3,546,000 | 487 |
| Income before extraordinary items | $5,817,000 | 637 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,817,000 | 636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,560 |
| Cash dividends | $1,850,000 | 957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,788,200 | 626 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,728,000 | 895 |
| Total interest expense | $4,528,000 | 1,074 |
| Net interest income | $7,200,000 | 780 |
| Provision for loan and lease losses | $200,000 | 1,154 |
| Total noninterest income | $1,392,000 | 1,008 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $831,000 | 504 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $561,000 | 1,256 |
| Total noninterest expense | $4,543,000 | 1,034 |
| Salaries and employee benefits | $2,056,000 | 1,249 |
| Premises and equipment expense | $633,000 | 1,048 |
| Additional noninterest expense | $1,854,000 | 750 |
| Pre-tax net operating income | $3,849,000 | 643 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,426,000 | 555 |
| Income before extraordinary items | $2,423,000 | 746 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,423,000 | 745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,431 |
| Cash dividends | $1,850,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,423,000 | 737 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $44,739,000 | 866 |
| Total interest expense | $15,521,000 | 1,081 |
| Net interest income | $29,218,000 | 755 |
| Provision for loan and lease losses | $-1,251,000 | 8,634 |
| Total noninterest income | $5,519,000 | 1,016 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,018,000 | 569 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,501,000 | 1,134 |
| Total noninterest expense | $17,785,000 | 1,012 |
| Salaries and employee benefits | $6,943,000 | 1,417 |
| Premises and equipment expense | $2,288,000 | 1,121 |
| Additional noninterest expense | $8,554,000 | 638 |
| Pre-tax net operating income | $18,203,000 | 587 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $6,763,000 | 513 |
| Income before extraordinary items | $11,440,000 | 662 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $11,440,000 | 661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,692 |
| Cash dividends | $7,589,000 | 494 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,172 |
| Net operating income | $11,440,000 | 651 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $33,212,000 | 876 |
| Total interest expense | $11,111,000 | 1,105 |
| Net interest income | $22,101,000 | 762 |
| Provision for loan and lease losses | $-1,390,000 | 8,705 |
| Total noninterest income | $4,065,000 | 1,039 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,208,000 | 584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,857,000 | 1,157 |
| Total noninterest expense | $13,483,000 | 1,003 |
| Salaries and employee benefits | $5,145,000 | 1,438 |
| Premises and equipment expense | $1,737,000 | 1,105 |
| Additional noninterest expense | $6,601,000 | 634 |
| Pre-tax net operating income | $14,073,000 | 592 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $5,108,000 | 535 |
| Income before extraordinary items | $8,965,000 | 660 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $8,965,000 | 659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $5,723,000 | 465 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 971 |
| Net operating income | $8,965,000 | 651 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,778,000 | 868 |
| Total interest expense | $6,945,000 | 1,118 |
| Net interest income | $14,833,000 | 758 |
| Provision for loan and lease losses | $-1,390,000 | 8,745 |
| Total noninterest income | $2,615,000 | 1,063 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,357,000 | 630 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,258,000 | 1,148 |
| Total noninterest expense | $9,064,000 | 997 |
| Salaries and employee benefits | $3,388,000 | 1,461 |
| Premises and equipment expense | $1,188,000 | 1,074 |
| Additional noninterest expense | $4,488,000 | 631 |
| Pre-tax net operating income | $9,774,000 | 578 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,566,000 | 515 |
| Income before extraordinary items | $6,208,000 | 643 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,208,000 | 641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,231 |
| Cash dividends | $3,826,000 | 473 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 808 |
| Net operating income | $6,208,000 | 630 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,723,000 | 856 |
| Total interest expense | $3,269,000 | 1,117 |
| Net interest income | $7,454,000 | 756 |
| Provision for loan and lease losses | $-424,000 | 8,741 |
| Total noninterest income | $1,248,000 | 1,082 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $666,000 | 618 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $582,000 | 1,199 |
| Total noninterest expense | $4,768,000 | 938 |
| Salaries and employee benefits | $1,719,000 | 1,449 |
| Premises and equipment expense | $618,000 | 1,024 |
| Additional noninterest expense | $2,431,000 | 569 |
| Pre-tax net operating income | $4,358,000 | 615 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,577,000 | 567 |
| Income before extraordinary items | $2,781,000 | 694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,781,000 | 693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $1,930,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 576 |
| Net operating income | $2,781,000 | 680 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $41,271,000 | 780 |
| Total interest expense | $10,292,000 | 1,096 |
| Net interest income | $30,979,000 | 677 |
| Provision for loan and lease losses | $-750,000 | 8,765 |
| Total noninterest income | $6,182,000 | 920 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,933,000 | 579 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,249,000 | 963 |
| Total noninterest expense | $17,186,000 | 986 |
| Salaries and employee benefits | $8,435,000 | 1,097 |
| Premises and equipment expense | $2,146,000 | 1,135 |
| Additional noninterest expense | $6,605,000 | 794 |
| Pre-tax net operating income | $20,725,000 | 520 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $7,508,000 | 474 |
| Income before extraordinary items | $13,217,000 | 568 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $13,217,000 | 568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,872 |
| Cash dividends | $5,692,000 | 590 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 820 |
| Net operating income | $13,217,000 | 554 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $30,623,000 | 767 |
| Total interest expense | $7,234,000 | 1,106 |
| Net interest income | $23,389,000 | 661 |
| Provision for loan and lease losses | $-650,000 | 8,788 |
| Total noninterest income | $4,818,000 | 883 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,192,000 | 577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,626,000 | 915 |
| Total noninterest expense | $13,021,000 | 969 |
| Salaries and employee benefits | $6,425,000 | 1,065 |
| Premises and equipment expense | $1,599,000 | 1,130 |
| Additional noninterest expense | $4,997,000 | 778 |
| Pre-tax net operating income | $15,836,000 | 517 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $5,817,000 | 470 |
| Income before extraordinary items | $10,019,000 | 566 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,019,000 | 566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,393 |
| Cash dividends | $3,643,000 | 619 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $10,019,000 | 549 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $20,186,000 | 757 |
| Total interest expense | $4,499,000 | 1,107 |
| Net interest income | $15,687,000 | 653 |
| Provision for loan and lease losses | $-650,000 | 8,807 |
| Total noninterest income | $3,419,000 | 837 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,408,000 | 589 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,011,000 | 800 |
| Total noninterest expense | $8,779,000 | 951 |
| Salaries and employee benefits | $4,246,000 | 1,073 |
| Premises and equipment expense | $1,082,000 | 1,103 |
| Additional noninterest expense | $3,451,000 | 756 |
| Pre-tax net operating income | $10,977,000 | 490 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $4,060,000 | 455 |
| Income before extraordinary items | $6,917,000 | 546 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,917,000 | 546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,372 |
| Cash dividends | $1,914,000 | 766 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $6,917,000 | 529 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,926,000 | 755 |
| Total interest expense | $2,070,000 | 1,138 |
| Net interest income | $7,856,000 | 653 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $2,247,000 | 652 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $683,000 | 586 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,564,000 | 568 |
| Total noninterest expense | $4,149,000 | 1,004 |
| Salaries and employee benefits | $2,039,000 | 1,119 |
| Premises and equipment expense | $565,000 | 1,062 |
| Additional noninterest expense | $1,545,000 | 811 |
| Pre-tax net operating income | $5,954,000 | 469 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,208,000 | 442 |
| Income before extraordinary items | $3,746,000 | 511 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,746,000 | 511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,462 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,746,000 | 492 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $39,041,000 | 711 |
| Total interest expense | $8,224,000 | 984 |
| Net interest income | $30,817,000 | 649 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $4,785,000 | 1,122 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,044,000 | 564 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,741,000 | 1,468 |
| Total noninterest expense | $17,913,000 | 915 |
| Salaries and employee benefits | $9,031,000 | 948 |
| Premises and equipment expense | $2,369,000 | 964 |
| Additional noninterest expense | $6,513,000 | 778 |
| Pre-tax net operating income | $17,689,000 | 543 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $6,197,000 | 518 |
| Income before extraordinary items | $11,491,000 | 594 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $11,491,000 | 595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,319 |
| Cash dividends | $1,566,000 | 1,669 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 745 |
| Net operating income | $11,491,650 | 568 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $29,217,000 | 713 |
| Total interest expense | $6,212,000 | 960 |
| Net interest income | $23,005,000 | 643 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $3,497,000 | 1,152 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,253,000 | 578 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,244,000 | 1,522 |
| Total noninterest expense | $13,248,000 | 917 |
| Salaries and employee benefits | $6,613,000 | 963 |
| Premises and equipment expense | $1,827,000 | 919 |
| Additional noninterest expense | $4,808,000 | 782 |
| Pre-tax net operating income | $13,254,000 | 542 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $4,689,000 | 508 |
| Income before extraordinary items | $8,563,000 | 604 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $8,563,000 | 605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,640 |
| Cash dividends | $1,566,000 | 1,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $8,564,300 | 579 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $19,405,000 | 709 |
| Total interest expense | $4,158,000 | 948 |
| Net interest income | $15,247,000 | 638 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,210,000 | 1,189 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,457,000 | 598 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $753,000 | 1,621 |
| Total noninterest expense | $9,005,000 | 899 |
| Salaries and employee benefits | $4,429,000 | 956 |
| Premises and equipment expense | $1,309,000 | 854 |
| Additional noninterest expense | $3,267,000 | 764 |
| Pre-tax net operating income | $8,452,000 | 556 |
| Securities gains (losses) | $-1,000 | 8,365 |
| Applicable income taxes | $2,892,000 | 536 |
| Income before extraordinary items | $5,559,000 | 610 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,559,000 | 610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $1,566,000 | 853 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $5,559,660 | 578 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $9,762,000 | 711 |
| Total interest expense | $2,091,000 | 961 |
| Net interest income | $7,671,000 | 640 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,114,000 | 1,156 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $768,000 | 558 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $346,000 | 1,701 |
| Total noninterest expense | $4,620,000 | 888 |
| Salaries and employee benefits | $2,214,000 | 973 |
| Premises and equipment expense | $748,000 | 777 |
| Additional noninterest expense | $1,658,000 | 753 |
| Pre-tax net operating income | $4,165,000 | 558 |
| Securities gains (losses) | $-1,000 | 8,686 |
| Applicable income taxes | $1,409,000 | 561 |
| Income before extraordinary items | $2,755,000 | 617 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,755,000 | 616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $1,566,000 | 442 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,755,660 | 576 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $31,659,000 | 888 |
| Total interest expense | $7,086,000 | 1,248 |
| Net interest income | $24,573,000 | 777 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $4,266,000 | 1,282 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,544,000 | 677 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,722,000 | 1,630 |
| Total noninterest expense | $14,804,000 | 1,096 |
| Salaries and employee benefits | $7,731,000 | 1,087 |
| Premises and equipment expense | $2,132,000 | 1,070 |
| Additional noninterest expense | $4,941,000 | 1,032 |
| Pre-tax net operating income | $14,035,000 | 637 |
| Securities gains (losses) | $87,000 | 2,013 |
| Applicable income taxes | $4,641,000 | 658 |
| Income before extraordinary items | $9,481,000 | 689 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,481,000 | 691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,958 |
| Cash dividends | $16,308,000 | 274 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $9,422,710 | 646 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $23,415,000 | 920 |
| Total interest expense | $4,958,000 | 1,408 |
| Net interest income | $18,457,000 | 788 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $3,166,000 | 1,320 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,792,000 | 722 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,374,000 | 1,632 |
| Total noninterest expense | $10,558,000 | 1,162 |
| Salaries and employee benefits | $5,704,000 | 1,111 |
| Premises and equipment expense | $1,479,000 | 1,161 |
| Additional noninterest expense | $3,375,000 | 1,126 |
| Pre-tax net operating income | $11,065,000 | 628 |
| Securities gains (losses) | $68,000 | 2,055 |
| Applicable income taxes | $3,682,000 | 658 |
| Income before extraordinary items | $7,451,000 | 691 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,451,000 | 692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,212 |
| Cash dividends | $15,040,000 | 230 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,405,440 | 649 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,813,000 | 923 |
| Total interest expense | $3,335,000 | 1,446 |
| Net interest income | $12,478,000 | 777 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $2,206,000 | 1,273 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,168,000 | 732 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,038,000 | 1,474 |
| Total noninterest expense | $7,055,000 | 1,156 |
| Salaries and employee benefits | $3,763,000 | 1,131 |
| Premises and equipment expense | $1,008,000 | 1,135 |
| Additional noninterest expense | $2,284,000 | 1,110 |
| Pre-tax net operating income | $7,629,000 | 607 |
| Securities gains (losses) | $69,000 | 1,788 |
| Applicable income taxes | $2,551,000 | 638 |
| Income before extraordinary items | $5,147,000 | 668 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,147,000 | 668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $3,753,000 | 441 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,100,770 | 620 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,928,000 | 924 |
| Total interest expense | $1,715,000 | 1,448 |
| Net interest income | $6,213,000 | 781 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $1,168,000 | 1,189 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $564,000 | 740 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $604,000 | 1,298 |
| Total noninterest expense | $3,521,000 | 1,140 |
| Salaries and employee benefits | $1,858,000 | 1,134 |
| Premises and equipment expense | $541,000 | 1,075 |
| Additional noninterest expense | $1,122,000 | 1,103 |
| Pre-tax net operating income | $3,860,000 | 602 |
| Securities gains (losses) | $59,000 | 1,296 |
| Applicable income taxes | $1,308,000 | 624 |
| Income before extraordinary items | $2,611,000 | 659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,611,000 | 658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,563 |
| Cash dividends | $1,954,000 | 405 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,571,470 | 620 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,278,000 | 913 |
| Total interest expense | $9,463,000 | 1,186 |
| Net interest income | $23,815,000 | 800 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $4,074,000 | 1,233 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,327,000 | 695 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,747,000 | 1,458 |
| Total noninterest expense | $13,782,000 | 1,120 |
| Salaries and employee benefits | $7,073,000 | 1,134 |
| Premises and equipment expense | $2,124,000 | 1,036 |
| Additional noninterest expense | $4,585,000 | 1,078 |
| Pre-tax net operating income | $14,107,000 | 623 |
| Securities gains (losses) | $-2,000 | 8,714 |
| Applicable income taxes | $4,533,000 | 650 |
| Income before extraordinary items | $9,572,000 | 656 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $9,572,000 | 658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,985 |
| Cash dividends | $6,147,000 | 524 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $9,573,360 | 627 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $38,501,000 | 886 |
| Total interest expense | $14,016,000 | 1,149 |
| Net interest income | $24,485,000 | 722 |
| Provision for loan and lease losses | $320,000 | 3,073 |
| Total noninterest income | $3,372,000 | 1,348 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,168,000 | 685 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,204,000 | 1,793 |
| Total noninterest expense | $14,352,000 | 1,029 |
| Salaries and employee benefits | $6,950,000 | 1,071 |
| Premises and equipment expense | $2,115,000 | 991 |
| Additional noninterest expense | $5,287,000 | 920 |
| Pre-tax net operating income | $13,185,000 | 597 |
| Securities gains (losses) | $-4,000 | 9,172 |
| Applicable income taxes | $4,542,000 | 583 |
| Income before extraordinary items | $8,639,000 | 650 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $8,639,000 | 653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,735 |
| Cash dividends | $6,615,000 | 489 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $8,641,640 | 623 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $29,043,000 | 1,215 |
| Total interest expense | $10,463,000 | 1,642 |
| Net interest income | $18,580,000 | 933 |
| Provision for loan and lease losses | $590,000 | 1,652 |
| Total noninterest income | $2,318,000 | 1,681 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,409,000 | 953 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $909,000 | 1,977 |
| Total noninterest expense | $11,364,000 | 1,223 |
| Salaries and employee benefits | $5,785,000 | 1,230 |
| Premises and equipment expense | $1,555,000 | 1,317 |
| Additional noninterest expense | $4,024,000 | 1,141 |
| Pre-tax net operating income | $8,944,000 | 859 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,914,000 | 850 |
| Income before extraordinary items | $6,030,000 | 874 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,030,000 | 873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 9,388 |
| Cash dividends | $4,432,000 | 692 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,030,000 | 875 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,332,000 | 1,777 |
| Total interest expense | $5,861,000 | 2,513 |
| Net interest income | $12,471,000 | 1,398 |
| Provision for loan and lease losses | $181,000 | 3,755 |
| Total noninterest income | $1,504,000 | 2,300 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $801,000 | 1,659 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $703,000 | 2,374 |
| Total noninterest expense | $6,642,000 | 2,050 |
| Salaries and employee benefits | $3,854,000 | 1,804 |
| Premises and equipment expense | $869,000 | 2,334 |
| Additional noninterest expense | $1,919,000 | 2,281 |
| Pre-tax net operating income | $7,152,000 | 1,085 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,394,000 | 1,055 |
| Income before extraordinary items | $4,758,000 | 1,153 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,758,000 | 1,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $3,249,000 | 909 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,758,000 | 1,136 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,675,000 | 1,735 |
| Total interest expense | $6,570,000 | 2,300 |
| Net interest income | $12,105,000 | 1,394 |
| Provision for loan and lease losses | $127,000 | 4,511 |
| Total noninterest income | $1,265,000 | 2,574 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $808,000 | 1,569 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $457,000 | 3,149 |
| Total noninterest expense | $6,572,000 | 1,993 |
| Salaries and employee benefits | $3,744,000 | 1,776 |
| Premises and equipment expense | $959,000 | 2,034 |
| Additional noninterest expense | $1,869,000 | 2,238 |
| Pre-tax net operating income | $6,671,000 | 1,128 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,249,000 | 1,116 |
| Income before extraordinary items | $4,422,000 | 1,206 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,422,000 | 1,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 9,847 |
| Cash dividends | $3,045,000 | 958 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,422,000 | 1,171 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,285,000 | 1,807 |
| Total interest expense | $6,849,000 | 2,206 |
| Net interest income | $11,436,000 | 1,501 |
| Provision for loan and lease losses | $250,000 | 2,930 |
| Total noninterest income | $1,295,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $878,000 | 1,468 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $417,000 | 3,202 |
| Total noninterest expense | $6,431,000 | 2,008 |
| Salaries and employee benefits | $3,700,000 | 1,766 |
| Premises and equipment expense | $815,000 | 2,376 |
| Additional noninterest expense | $1,916,000 | 2,184 |
| Pre-tax net operating income | $6,050,000 | 1,293 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,019,000 | 1,318 |
| Income before extraordinary items | $4,031,000 | 1,357 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,031,000 | 1,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,212 |
| Cash dividends | $2,815,000 | 1,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,031,000 | 1,316 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,536,000 | 1,930 |
| Total interest expense | $6,925,000 | 2,234 |
| Net interest income | $10,611,000 | 1,667 |
| Provision for loan and lease losses | $195,000 | 3,475 |
| Total noninterest income | $1,172,000 | 2,736 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $841,000 | 1,594 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $331,000 | 3,831 |
| Total noninterest expense | $6,308,000 | 2,179 |
| Salaries and employee benefits | $3,509,000 | 1,882 |
| Premises and equipment expense | $726,000 | 2,691 |
| Additional noninterest expense | $2,073,000 | 2,378 |
| Pre-tax net operating income | $5,280,000 | 1,359 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,746,000 | 1,389 |
| Income before extraordinary items | $3,534,000 | 1,399 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,534,000 | 1,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,885 |
| Cash dividends | $2,474,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,534,000 | 1,363 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,887,000 | 1,996 |
| Total interest expense | $6,670,000 | 2,330 |
| Net interest income | $10,217,000 | 1,750 |
| Provision for loan and lease losses | $133,000 | 3,890 |
| Total noninterest income | $1,119,000 | 2,854 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $800,000 | 1,690 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $319,000 | 3,861 |
| Total noninterest expense | $5,954,000 | 2,288 |
| Salaries and employee benefits | $3,410,000 | 1,940 |
| Premises and equipment expense | $725,000 | 2,719 |
| Additional noninterest expense | $1,819,000 | 2,610 |
| Pre-tax net operating income | $5,249,000 | 1,440 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,801,000 | 1,396 |
| Income before extraordinary items | $3,448,000 | 1,485 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,448,000 | 1,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,084 |
| Cash dividends | $1,633,000 | 1,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,448,000 | 1,472 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,243,000 | 2,040 |
| Total interest expense | $5,829,000 | 2,147 |
| Net interest income | $9,414,000 | 1,920 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $993,000 | 3,134 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $736,000 | 1,828 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $257,000 | 4,506 |
| Total noninterest expense | $5,743,000 | 2,450 |
| Salaries and employee benefits | $3,211,000 | 2,057 |
| Premises and equipment expense | $707,000 | 2,803 |
| Additional noninterest expense | $1,825,000 | 2,792 |
| Pre-tax net operating income | $4,634,000 | 1,557 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,674,000 | 1,403 |
| Income before extraordinary items | $2,960,000 | 1,652 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,960,000 | 1,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,448 |
| Cash dividends | $1,134,000 | 1,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,960,000 | 1,661 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,148,000 | 2,073 |
| Total interest expense | $6,127,000 | 2,118 |
| Net interest income | $9,021,000 | 2,005 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $918,000 | 3,575 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $763,000 | 1,797 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $155,000 | 6,451 |
| Total noninterest expense | $5,262,000 | 2,719 |
| Salaries and employee benefits | $2,880,000 | 2,318 |
| Premises and equipment expense | $636,000 | 3,143 |
| Additional noninterest expense | $1,746,000 | 3,056 |
| Pre-tax net operating income | $4,557,000 | 1,534 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,121,000 | 2,040 |
| Income before extraordinary items | $3,436,000 | 1,477 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,436,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 2,149 |
| Cash dividends | $1,123,000 | 1,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,436,000 | 1,390 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,882,000 | 2,098 |
| Total interest expense | $7,693,000 | 2,213 |
| Net interest income | $9,189,000 | 1,991 |
| Provision for loan and lease losses | $1,671,000 | 1,305 |
| Total noninterest income | $895,000 | 3,643 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $749,000 | 1,807 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $146,000 | 6,738 |
| Total noninterest expense | $5,043,000 | 2,843 |
| Salaries and employee benefits | $2,771,000 | 2,340 |
| Premises and equipment expense | $620,000 | 3,255 |
| Additional noninterest expense | $1,652,000 | 3,307 |
| Pre-tax net operating income | $3,370,000 | 1,837 |
| Securities gains (losses) | $982,000 | 659 |
| Applicable income taxes | $1,679,000 | 1,324 |
| Income before extraordinary items | $2,673,000 | 1,711 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,673,000 | 1,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $741,000 | 1,914 |
| Cash dividends | $1,069,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,044,520 | 2,061 |
* 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.