Home > Bank of Astoria > Income and Expense
Bank of Astoria, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,181,000 | 3,061 |
| Total interest expense | $887,000 | 4,224 |
| Net interest income | $2,294,000 | 2,386 |
| Provision for loan and lease losses | $151,000 | 2,116 |
| Total noninterest income | $400,000 | 2,597 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $180,000 | 2,270 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $220,000 | 2,435 |
| Total noninterest expense | $1,658,000 | 2,787 |
| Salaries and employee benefits | $871,000 | 2,922 |
| Premises and equipment expense | $194,000 | 3,327 |
| Additional noninterest expense | $593,000 | 2,336 |
| Pre-tax net operating income | $885,000 | 1,991 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $240,000 | 1,729 |
| Income before extraordinary items | $645,000 | 2,168 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $645,000 | 2,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,124 |
| Cash dividends | $3,380,000 | 265 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $645,000 | 2,101 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,158,000 | 3,030 |
| Total interest expense | $4,056,000 | 3,979 |
| Net interest income | $9,102,000 | 2,429 |
| Provision for loan and lease losses | $75,000 | 5,254 |
| Total noninterest income | $1,375,000 | 2,858 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $668,000 | 2,457 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $707,000 | 2,743 |
| Total noninterest expense | $6,273,000 | 2,849 |
| Salaries and employee benefits | $3,325,000 | 2,957 |
| Premises and equipment expense | $814,000 | 3,034 |
| Additional noninterest expense | $2,134,000 | 2,510 |
| Pre-tax net operating income | $4,129,000 | 1,932 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,186,000 | 1,665 |
| Income before extraordinary items | $2,943,000 | 2,081 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,943,000 | 2,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-241,000 | 8,461 |
| Cash dividends | $1,475,000 | 2,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,943,000 | 2,068 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,782,000 | 3,043 |
| Total interest expense | $3,078,000 | 3,951 |
| Net interest income | $6,704,000 | 2,480 |
| Provision for loan and lease losses | $38,000 | 5,373 |
| Total noninterest income | $1,046,000 | 2,827 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $507,000 | 2,422 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $539,000 | 2,719 |
| Total noninterest expense | $4,631,000 | 2,868 |
| Salaries and employee benefits | $2,488,000 | 2,939 |
| Premises and equipment expense | $602,000 | 3,061 |
| Additional noninterest expense | $1,541,000 | 2,551 |
| Pre-tax net operating income | $3,081,000 | 2,054 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $904,000 | 1,756 |
| Income before extraordinary items | $2,177,000 | 2,216 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,177,000 | 2,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-262,000 | 8,486 |
| Cash dividends | $1,475,000 | 1,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,177,000 | 2,201 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,447,000 | 3,081 |
| Total interest expense | $2,053,000 | 3,951 |
| Net interest income | $4,394,000 | 2,540 |
| Provision for loan and lease losses | $38,000 | 4,699 |
| Total noninterest income | $684,000 | 2,879 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $344,000 | 2,387 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $340,000 | 2,824 |
| Total noninterest expense | $3,022,000 | 2,964 |
| Salaries and employee benefits | $1,678,000 | 2,945 |
| Premises and equipment expense | $393,000 | 3,132 |
| Additional noninterest expense | $951,000 | 2,744 |
| Pre-tax net operating income | $2,018,000 | 2,140 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $601,000 | 1,839 |
| Income before extraordinary items | $1,417,000 | 2,306 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,417,000 | 2,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-253,000 | 8,544 |
| Cash dividends | $1,475,000 | 1,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,417,000 | 2,288 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,180,000 | 3,114 |
| Total interest expense | $1,015,000 | 3,976 |
| Net interest income | $2,165,000 | 2,580 |
| Provision for loan and lease losses | $38,000 | 3,501 |
| Total noninterest income | $338,000 | 2,878 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $172,000 | 2,335 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $166,000 | 2,847 |
| Total noninterest expense | $1,444,000 | 3,084 |
| Salaries and employee benefits | $816,000 | 3,037 |
| Premises and equipment expense | $176,000 | 3,455 |
| Additional noninterest expense | $452,000 | 2,841 |
| Pre-tax net operating income | $1,021,000 | 2,130 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $288,000 | 1,903 |
| Income before extraordinary items | $733,000 | 2,221 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $733,000 | 2,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,041 |
| Cash dividends | $1,475,000 | 604 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $733,000 | 2,207 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,822,000 | 3,139 |
| Total interest expense | $3,111,000 | 4,226 |
| Net interest income | $8,711,000 | 2,589 |
| Provision for loan and lease losses | $15,000 | 6,428 |
| Total noninterest income | $1,470,000 | 2,734 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $614,000 | 2,643 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $856,000 | 2,471 |
| Total noninterest expense | $5,861,000 | 2,926 |
| Salaries and employee benefits | $3,195,000 | 2,958 |
| Premises and equipment expense | $708,000 | 3,308 |
| Additional noninterest expense | $1,958,000 | 2,618 |
| Pre-tax net operating income | $4,305,000 | 2,132 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,287,000 | 1,872 |
| Income before extraordinary items | $3,018,000 | 2,274 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,018,000 | 2,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $5,200,000 | 676 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,018,000 | 2,251 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,533,000 | 3,214 |
| Total interest expense | $2,107,000 | 4,402 |
| Net interest income | $6,426,000 | 2,651 |
| Provision for loan and lease losses | $15,000 | 6,184 |
| Total noninterest income | $1,064,000 | 2,814 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $444,000 | 2,722 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $620,000 | 2,524 |
| Total noninterest expense | $4,405,000 | 2,919 |
| Salaries and employee benefits | $2,371,000 | 2,978 |
| Premises and equipment expense | $516,000 | 3,382 |
| Additional noninterest expense | $1,518,000 | 2,529 |
| Pre-tax net operating income | $3,070,000 | 2,292 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $934,000 | 1,976 |
| Income before extraordinary items | $2,136,000 | 2,441 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,136,000 | 2,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $5,200,000 | 502 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,136,000 | 2,431 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,502,000 | 3,260 |
| Total interest expense | $1,308,000 | 4,465 |
| Net interest income | $4,194,000 | 2,694 |
| Provision for loan and lease losses | $15,000 | 5,732 |
| Total noninterest income | $741,000 | 2,731 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $297,000 | 2,683 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $444,000 | 2,385 |
| Total noninterest expense | $2,900,000 | 2,967 |
| Salaries and employee benefits | $1,565,000 | 3,023 |
| Premises and equipment expense | $345,000 | 3,364 |
| Additional noninterest expense | $990,000 | 2,594 |
| Pre-tax net operating income | $2,020,000 | 2,291 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $596,000 | 2,064 |
| Income before extraordinary items | $1,424,000 | 2,443 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,424,000 | 2,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $5,200,000 | 356 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,424,000 | 2,425 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,665,000 | 3,276 |
| Total interest expense | $566,000 | 4,755 |
| Net interest income | $2,099,000 | 2,678 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $351,000 | 2,776 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $141,000 | 2,720 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $210,000 | 2,418 |
| Total noninterest expense | $1,393,000 | 3,077 |
| Salaries and employee benefits | $749,000 | 3,152 |
| Premises and equipment expense | $175,000 | 3,341 |
| Additional noninterest expense | $469,000 | 2,693 |
| Pre-tax net operating income | $1,042,000 | 2,211 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $337,000 | 1,862 |
| Income before extraordinary items | $705,000 | 2,431 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $705,000 | 2,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $5,200,000 | 194 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $705,000 | 2,405 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,082,000 | 3,136 |
| Total interest expense | $1,707,000 | 4,896 |
| Net interest income | $8,375,000 | 2,594 |
| Provision for loan and lease losses | $150,000 | 4,107 |
| Total noninterest income | $1,151,000 | 3,225 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $548,000 | 2,857 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $603,000 | 3,044 |
| Total noninterest expense | $5,746,000 | 2,854 |
| Salaries and employee benefits | $3,128,000 | 2,871 |
| Premises and equipment expense | $719,000 | 3,164 |
| Additional noninterest expense | $1,899,000 | 2,617 |
| Pre-tax net operating income | $3,630,000 | 2,389 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,040,000 | 2,211 |
| Income before extraordinary items | $2,590,000 | 2,528 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,590,000 | 2,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,068 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,590,000 | 2,499 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,447,000 | 3,123 |
| Total interest expense | $1,228,000 | 4,879 |
| Net interest income | $6,219,000 | 2,594 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $827,000 | 3,334 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $410,000 | 2,862 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $417,000 | 3,205 |
| Total noninterest expense | $4,256,000 | 2,857 |
| Salaries and employee benefits | $2,305,000 | 2,875 |
| Premises and equipment expense | $542,000 | 3,133 |
| Additional noninterest expense | $1,409,000 | 2,609 |
| Pre-tax net operating income | $2,655,000 | 2,459 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $766,000 | 2,269 |
| Income before extraordinary items | $1,889,000 | 2,587 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,889,000 | 2,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,889,000 | 2,566 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,846,000 | 3,127 |
| Total interest expense | $761,000 | 4,916 |
| Net interest income | $4,085,000 | 2,603 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $499,000 | 3,523 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $279,000 | 2,758 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $220,000 | 3,603 |
| Total noninterest expense | $2,804,000 | 2,879 |
| Salaries and employee benefits | $1,502,000 | 2,925 |
| Premises and equipment expense | $355,000 | 3,148 |
| Additional noninterest expense | $947,000 | 2,567 |
| Pre-tax net operating income | $1,690,000 | 2,494 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $489,000 | 2,303 |
| Income before extraordinary items | $1,201,000 | 2,650 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,201,000 | 2,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,201,000 | 2,611 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,310,000 | 3,210 |
| Total interest expense | $331,000 | 5,214 |
| Net interest income | $1,979,000 | 2,668 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $255,000 | 3,411 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $137,000 | 2,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $118,000 | 3,435 |
| Total noninterest expense | $1,336,000 | 3,016 |
| Salaries and employee benefits | $718,000 | 3,059 |
| Premises and equipment expense | $176,000 | 3,206 |
| Additional noninterest expense | $442,000 | 2,734 |
| Pre-tax net operating income | $853,000 | 2,438 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $262,000 | 2,195 |
| Income before extraordinary items | $591,000 | 2,653 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $591,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $591,000 | 2,612 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,243,000 | 7,138 |
| Total interest expense | $252,000 | 8,276 |
| Net interest income | $1,991,000 | 6,641 |
| Provision for loan and lease losses | $45,000 | 6,047 |
| Total noninterest income | $414,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $144,000 | 5,867 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $270,000 | 4,473 |
| Total noninterest expense | $1,169,000 | 7,495 |
| Salaries and employee benefits | $781,000 | 7,002 |
| Premises and equipment expense | $169,000 | 7,119 |
| Additional noninterest expense | $219,000 | 8,194 |
| Pre-tax net operating income | $1,191,000 | 4,818 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $435,000 | 3,569 |
| Income before extraordinary items | $756,000 | 5,399 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $756,000 | 5,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $149,000 | 616 |
| Net operating income | $756,000 | 5,323 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,462,000 | 3,191 |
| Total interest expense | $668,000 | 5,950 |
| Net interest income | $5,794,000 | 2,593 |
| Provision for loan and lease losses | $75,000 | 4,788 |
| Total noninterest income | $916,000 | 3,114 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $389,000 | 3,077 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $527,000 | 2,709 |
| Total noninterest expense | $4,272,000 | 2,754 |
| Salaries and employee benefits | $2,012,000 | 3,108 |
| Premises and equipment expense | $533,000 | 3,096 |
| Additional noninterest expense | $1,727,000 | 2,089 |
| Pre-tax net operating income | $2,363,000 | 2,509 |
| Securities gains (losses) | $18,000 | 2,374 |
| Applicable income taxes | $1,108,000 | 1,641 |
| Income before extraordinary items | $1,273,000 | 3,393 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,273,000 | 3,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,128 |
| Cash dividends | $708,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $149,000 | 479 |
| Net operating income | $1,261,480 | 3,323 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 3,208 |
| Total interest expense | $434,000 | 6,055 |
| Net interest income | $3,841,000 | 2,586 |
| Provision for loan and lease losses | $75,000 | 3,988 |
| Total noninterest income | $630,000 | 3,062 |
| 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 | $377,000 | 2,608 |
| Total noninterest expense | $2,460,000 | 3,156 |
| Salaries and employee benefits | $1,312,000 | 3,190 |
| Premises and equipment expense | $352,000 | 3,110 |
| Additional noninterest expense | $796,000 | 2,952 |
| Pre-tax net operating income | $1,936,000 | 2,096 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $715,000 | 1,677 |
| Income before extraordinary items | $1,221,000 | 2,488 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,221,000 | 2,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 1,604 |
| Cash dividends | $708,000 | 1,683 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 376 |
| Net operating income | $1,221,000 | 2,423 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,125,000 | 3,226 |
| Total interest expense | $217,000 | 6,120 |
| Net interest income | $1,908,000 | 2,601 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $176,000 | 4,381 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $114,000 | 3,270 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $62,000 | 4,679 |
| Total noninterest expense | $1,102,000 | 3,489 |
| Salaries and employee benefits | $639,000 | 3,286 |
| Premises and equipment expense | $169,000 | 3,259 |
| Additional noninterest expense | $294,000 | 3,801 |
| Pre-tax net operating income | $907,000 | 2,181 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $310,000 | 1,876 |
| Income before extraordinary items | $597,000 | 2,507 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $597,000 | 2,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 247 |
| Net operating income | $597,000 | 2,427 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,499,000 | 3,260 |
| Total interest expense | $1,013,000 | 6,084 |
| Net interest income | $7,486,000 | 2,577 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $1,191,000 | 3,316 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $460,000 | 3,316 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $731,000 | 2,884 |
| Total noninterest expense | $4,688,000 | 3,226 |
| Salaries and employee benefits | $2,522,000 | 3,254 |
| Premises and equipment expense | $764,000 | 2,868 |
| Additional noninterest expense | $1,402,000 | 3,278 |
| Pre-tax net operating income | $3,689,000 | 2,109 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $1,327,000 | 1,797 |
| Income before extraordinary items | $2,364,000 | 2,499 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,364,000 | 2,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 4,012 |
| Cash dividends | $1,404,000 | 1,822 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 596 |
| Net operating income | $2,362,720 | 2,386 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,385,000 | 3,291 |
| Total interest expense | $794,000 | 6,094 |
| Net interest income | $5,591,000 | 2,600 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $1,002,000 | 3,132 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $341,000 | 3,354 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $661,000 | 2,670 |
| Total noninterest expense | $3,521,000 | 3,210 |
| Salaries and employee benefits | $1,916,000 | 3,216 |
| Premises and equipment expense | $573,000 | 2,877 |
| Additional noninterest expense | $1,032,000 | 3,308 |
| Pre-tax net operating income | $2,847,000 | 2,129 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $1,036,000 | 1,806 |
| Income before extraordinary items | $1,813,000 | 2,544 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,813,000 | 2,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,234 |
| Cash dividends | $701,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $176,000 | 460 |
| Net operating income | $1,811,720 | 2,421 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,239,000 | 3,331 |
| Total interest expense | $560,000 | 6,049 |
| Net interest income | $3,679,000 | 2,647 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $780,000 | 2,808 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $235,000 | 3,217 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $545,000 | 2,323 |
| Total noninterest expense | $2,295,000 | 3,288 |
| Salaries and employee benefits | $1,283,000 | 3,197 |
| Premises and equipment expense | $380,000 | 2,893 |
| Additional noninterest expense | $632,000 | 3,558 |
| Pre-tax net operating income | $2,014,000 | 2,024 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $769,000 | 1,678 |
| Income before extraordinary items | $1,247,000 | 2,486 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,247,000 | 2,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,965 |
| Cash dividends | $701,000 | 1,700 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 365 |
| Net operating income | $1,245,720 | 2,347 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,126,000 | 3,353 |
| Total interest expense | $290,000 | 6,044 |
| Net interest income | $1,836,000 | 2,638 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $204,000 | 4,110 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $115,000 | 3,184 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $89,000 | 4,149 |
| Total noninterest expense | $1,099,000 | 3,389 |
| Salaries and employee benefits | $623,000 | 3,260 |
| Premises and equipment expense | $185,000 | 2,937 |
| Additional noninterest expense | $291,000 | 3,742 |
| Pre-tax net operating income | $866,000 | 2,313 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $314,000 | 1,988 |
| Income before extraordinary items | $552,000 | 2,730 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $552,000 | 2,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,593 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 274 |
| Net operating income | $552,000 | 2,593 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,711,000 | 3,399 |
| Total interest expense | $1,740,000 | 5,241 |
| Net interest income | $6,971,000 | 2,745 |
| Provision for loan and lease losses | $270,000 | 3,677 |
| Total noninterest income | $839,000 | 3,871 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $449,000 | 3,240 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $390,000 | 3,750 |
| Total noninterest expense | $4,999,000 | 2,930 |
| Salaries and employee benefits | $2,333,000 | 3,312 |
| Premises and equipment expense | $705,000 | 2,988 |
| Additional noninterest expense | $1,961,000 | 2,344 |
| Pre-tax net operating income | $2,541,000 | 2,846 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $867,000 | 2,453 |
| Income before extraordinary items | $1,674,000 | 3,222 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,674,000 | 3,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,236 |
| Cash dividends | $1,162,000 | 2,005 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 688 |
| Net operating income | $1,674,000 | 3,115 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,857,000 | 3,355 |
| Total interest expense | $3,231,000 | 4,464 |
| Net interest income | $6,626,000 | 2,694 |
| Provision for loan and lease losses | $254,000 | 3,568 |
| Total noninterest income | $756,000 | 4,009 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $434,000 | 3,183 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $322,000 | 3,958 |
| Total noninterest expense | $4,027,000 | 3,411 |
| Salaries and employee benefits | $2,280,000 | 3,216 |
| Premises and equipment expense | $688,000 | 2,991 |
| Additional noninterest expense | $1,059,000 | 3,878 |
| Pre-tax net operating income | $3,101,000 | 2,195 |
| Securities gains (losses) | $34,000 | 2,711 |
| Applicable income taxes | $1,110,000 | 1,923 |
| Income before extraordinary items | $2,025,000 | 2,503 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,025,000 | 2,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,871 |
| Cash dividends | $1,157,000 | 2,025 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 824 |
| Net operating income | $2,002,900 | 2,441 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,201,000 | 3,339 |
| Total interest expense | $3,611,000 | 4,296 |
| Net interest income | $6,590,000 | 2,706 |
| Provision for loan and lease losses | $244,000 | 3,295 |
| Total noninterest income | $745,000 | 3,835 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $427,000 | 3,074 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $318,000 | 3,795 |
| Total noninterest expense | $3,807,000 | 3,464 |
| Salaries and employee benefits | $2,151,000 | 3,263 |
| Premises and equipment expense | $621,000 | 3,168 |
| Additional noninterest expense | $1,035,000 | 3,887 |
| Pre-tax net operating income | $3,284,000 | 2,199 |
| Securities gains (losses) | $-18,000 | 8,681 |
| Applicable income taxes | $1,166,000 | 1,863 |
| Income before extraordinary items | $2,100,000 | 2,445 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,100,000 | 2,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,278 |
| Cash dividends | $1,272,000 | 1,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,111,520 | 2,435 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,424,000 | 3,725 |
| Total interest expense | $2,718,000 | 4,947 |
| Net interest income | $5,706,000 | 3,054 |
| Provision for loan and lease losses | $102,000 | 5,170 |
| Total noninterest income | $931,000 | 3,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $441,000 | 2,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $490,000 | 2,986 |
| Total noninterest expense | $3,634,000 | 3,602 |
| Salaries and employee benefits | $2,044,000 | 3,374 |
| Premises and equipment expense | $590,000 | 3,304 |
| Additional noninterest expense | $1,000,000 | 4,024 |
| Pre-tax net operating income | $2,901,000 | 2,489 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $870,000 | 2,454 |
| Income before extraordinary items | $2,038,000 | 2,547 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,038,000 | 2,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,729 |
| Cash dividends | $1,156,000 | 2,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,033,100 | 2,519 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,998,000 | 3,934 |
| Total interest expense | $2,578,000 | 5,252 |
| Net interest income | $5,420,000 | 3,172 |
| Provision for loan and lease losses | $44,000 | 6,827 |
| Total noninterest income | $876,000 | 3,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,146 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $478,000 | 3,065 |
| Total noninterest expense | $3,320,000 | 3,774 |
| Salaries and employee benefits | $1,909,000 | 3,484 |
| Premises and equipment expense | $496,000 | 3,732 |
| Additional noninterest expense | $915,000 | 4,233 |
| Pre-tax net operating income | $2,932,000 | 2,427 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $919,000 | 2,461 |
| Income before extraordinary items | $2,021,000 | 2,524 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,021,000 | 2,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $1,156,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,015,480 | 2,450 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,082,000 | 4,456 |
| Total interest expense | $2,169,000 | 5,940 |
| Net interest income | $4,913,000 | 3,546 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $802,000 | 3,560 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $355,000 | 3,575 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $447,000 | 3,058 |
| Total noninterest expense | $3,094,000 | 4,001 |
| Salaries and employee benefits | $1,876,000 | 3,500 |
| Premises and equipment expense | $546,000 | 3,432 |
| Additional noninterest expense | $672,000 | 5,374 |
| Pre-tax net operating income | $2,621,000 | 2,802 |
| Securities gains (losses) | $33,000 | 1,577 |
| Applicable income taxes | $820,000 | 2,871 |
| Income before extraordinary items | $1,834,000 | 2,786 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,834,000 | 2,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,419 |
| Cash dividends | $1,157,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,811,230 | 2,766 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,503,000 | 4,862 |
| Total interest expense | $2,083,000 | 6,261 |
| Net interest income | $4,420,000 | 3,949 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $621,000 | 4,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $279,000 | 4,257 |
| Total noninterest expense | $2,648,000 | 4,792 |
| Salaries and employee benefits | $1,668,000 | 3,918 |
| Premises and equipment expense | $463,000 | 4,025 |
| Additional noninterest expense | $517,000 | 6,923 |
| Pre-tax net operating income | $2,393,000 | 2,894 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $743,000 | 3,038 |
| Income before extraordinary items | $1,651,000 | 2,922 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,651,000 | 2,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $694,000 | 2,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,650,310 | 2,886 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,925,000 | 5,255 |
| Total interest expense | $1,940,000 | 6,609 |
| Net interest income | $3,985,000 | 4,326 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $657,000 | 4,291 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 3,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $328,000 | 3,788 |
| Total noninterest expense | $2,404,000 | 5,168 |
| Salaries and employee benefits | $1,461,000 | 4,388 |
| Premises and equipment expense | $484,000 | 3,864 |
| Additional noninterest expense | $459,000 | 7,616 |
| Pre-tax net operating income | $2,193,000 | 3,222 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $633,000 | 3,536 |
| Income before extraordinary items | $1,568,000 | 3,116 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,568,000 | 3,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,566 |
| Cash dividends | $636,000 | 2,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,562,320 | 3,102 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,718,000 | 5,939 |
| Total interest expense | $1,354,000 | 7,386 |
| Net interest income | $3,364,000 | 5,111 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $705,000 | 4,106 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 4,209 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $392,000 | 3,455 |
| Total noninterest expense | $2,497,000 | 5,159 |
| Salaries and employee benefits | $1,302,000 | 4,871 |
| Premises and equipment expense | $500,000 | 3,811 |
| Additional noninterest expense | $695,000 | 6,357 |
| Pre-tax net operating income | $1,392,000 | 4,690 |
| Securities gains (losses) | $28,000 | 1,509 |
| Applicable income taxes | $478,000 | 4,189 |
| Income before extraordinary items | $942,000 | 4,727 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $942,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 11,219 |
| Cash dividends | $506,000 | 3,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $923,520 | 4,851 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,389,000 | 6,427 |
| Total interest expense | $1,334,000 | 7,760 |
| Net interest income | $3,055,000 | 5,572 |
| Provision for loan and lease losses | $165,000 | 4,400 |
| Total noninterest income | $822,000 | 3,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $322,000 | 4,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $500,000 | 3,266 |
| Total noninterest expense | $2,307,000 | 5,650 |
| Salaries and employee benefits | $1,243,000 | 5,080 |
| Premises and equipment expense | $496,000 | 3,891 |
| Additional noninterest expense | $568,000 | 7,614 |
| Pre-tax net operating income | $1,405,000 | 4,588 |
| Securities gains (losses) | $38,000 | 3,799 |
| Applicable income taxes | $417,000 | 4,856 |
| Income before extraordinary items | $1,026,000 | 4,602 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,026,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 4,115 |
| Cash dividends | $361,000 | 3,905 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $999,020 | 4,469 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,556,000 | 6,827 |
| Total interest expense | $1,753,000 | 7,752 |
| Net interest income | $2,803,000 | 6,043 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $627,000 | 4,812 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $280,000 | 4,626 |
| Total noninterest expense | $2,055,000 | 6,235 |
| Salaries and employee benefits | $962,000 | 6,251 |
| Premises and equipment expense | $505,000 | 3,931 |
| Additional noninterest expense | $588,000 | 7,619 |
| Pre-tax net operating income | $1,135,000 | 5,145 |
| Securities gains (losses) | $72,000 | 3,538 |
| Applicable income taxes | $366,000 | 5,142 |
| Income before extraordinary items | $841,000 | 5,157 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $841,000 | 5,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 4,058 |
| Cash dividends | $318,000 | 3,872 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,101 |
| Net operating income | $790,600 | 5,100 |
* 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.