Home > Cambridge Bank > Income and Expense
Cambridge Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,282,000 | 1,649 |
| Total interest expense | $3,018,000 | 1,558 |
| Net interest income | $3,264,000 | 1,698 |
| Provision for loan and lease losses | $225,000 | 1,695 |
| Total noninterest income | $300,000 | 3,138 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $155,000 | 2,548 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $145,000 | 3,095 |
| Total noninterest expense | $2,191,000 | 2,183 |
| Salaries and employee benefits | $1,164,000 | 2,258 |
| Premises and equipment expense | $264,000 | 2,549 |
| Additional noninterest expense | $763,000 | 1,845 |
| Pre-tax net operating income | $1,148,000 | 1,580 |
| Securities gains (losses) | $77,000 | 851 |
| Applicable income taxes | $348,000 | 1,325 |
| Income before extraordinary items | $877,000 | 1,693 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $877,000 | 1,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $821,560 | 1,707 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $25,393,000 | 1,701 |
| Total interest expense | $12,106,000 | 1,649 |
| Net interest income | $13,287,000 | 1,701 |
| Provision for loan and lease losses | $400,000 | 2,692 |
| Total noninterest income | $1,505,000 | 2,711 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $815,000 | 2,105 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $690,000 | 2,780 |
| Total noninterest expense | $9,062,000 | 2,028 |
| Salaries and employee benefits | $4,164,000 | 2,411 |
| Premises and equipment expense | $849,000 | 2,940 |
| Additional noninterest expense | $4,049,000 | 1,374 |
| Pre-tax net operating income | $5,330,000 | 1,564 |
| Securities gains (losses) | $80,000 | 670 |
| Applicable income taxes | $1,615,000 | 1,336 |
| Income before extraordinary items | $3,795,000 | 1,668 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,795,000 | 1,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,759 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,739,000 | 1,679 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,942,000 | 1,706 |
| Total interest expense | $8,758,000 | 1,711 |
| Net interest income | $10,184,000 | 1,668 |
| Provision for loan and lease losses | $400,000 | 1,861 |
| Total noninterest income | $1,004,000 | 2,914 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $608,000 | 2,087 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $396,000 | 3,228 |
| Total noninterest expense | $5,502,000 | 2,463 |
| Salaries and employee benefits | $3,061,000 | 2,448 |
| Premises and equipment expense | $635,000 | 2,931 |
| Additional noninterest expense | $1,806,000 | 2,210 |
| Pre-tax net operating income | $5,286,000 | 1,294 |
| Securities gains (losses) | $76,000 | 550 |
| Applicable income taxes | $1,739,000 | 1,079 |
| Income before extraordinary items | $3,623,000 | 1,403 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,623,000 | 1,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,749 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,571,320 | 1,420 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,335,000 | 1,756 |
| Total interest expense | $5,495,000 | 1,811 |
| Net interest income | $6,840,000 | 1,680 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $651,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $398,000 | 2,123 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $253,000 | 3,322 |
| Total noninterest expense | $3,611,000 | 2,530 |
| Salaries and employee benefits | $2,012,000 | 2,519 |
| Premises and equipment expense | $420,000 | 2,978 |
| Additional noninterest expense | $1,179,000 | 2,249 |
| Pre-tax net operating income | $3,580,000 | 1,320 |
| Securities gains (losses) | $65,000 | 495 |
| Applicable income taxes | $1,189,000 | 1,117 |
| Income before extraordinary items | $2,456,000 | 1,435 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,456,000 | 1,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,172 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,412,450 | 1,434 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,015,000 | 1,793 |
| Total interest expense | $2,566,000 | 1,907 |
| Net interest income | $3,449,000 | 1,671 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $309,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $183,000 | 2,224 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $126,000 | 3,324 |
| Total noninterest expense | $1,824,000 | 2,514 |
| Salaries and employee benefits | $1,012,000 | 2,534 |
| Premises and equipment expense | $215,000 | 2,942 |
| Additional noninterest expense | $597,000 | 2,203 |
| Pre-tax net operating income | $1,784,000 | 1,314 |
| Securities gains (losses) | $66,000 | 373 |
| Applicable income taxes | $608,000 | 1,109 |
| Income before extraordinary items | $1,242,000 | 1,411 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,242,000 | 1,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,267 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,197,780 | 1,440 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,061,000 | 6,080 |
| Total interest expense | $1,692,000 | 5,832 |
| Net interest income | $2,369,000 | 6,155 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $199,000 | 6,929 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $121,000 | 5,889 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $78,000 | 6,711 |
| Total noninterest expense | $997,000 | 7,716 |
| Salaries and employee benefits | $613,000 | 7,560 |
| Premises and equipment expense | $112,000 | 7,663 |
| Additional noninterest expense | $272,000 | 7,737 |
| Pre-tax net operating income | $1,571,000 | 4,196 |
| Securities gains (losses) | $40,000 | 728 |
| Applicable income taxes | $550,000 | 3,007 |
| Income before extraordinary items | $1,061,000 | 4,582 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,061,000 | 4,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,316 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,034,600 | 4,627 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,596,000 | 1,915 |
| Total interest expense | $6,428,000 | 1,877 |
| Net interest income | $9,168,000 | 1,915 |
| Provision for loan and lease losses | $175,000 | 3,146 |
| Total noninterest income | $922,000 | 3,102 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $564,000 | 2,241 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $358,000 | 3,391 |
| Total noninterest expense | $5,032,000 | 2,607 |
| Salaries and employee benefits | $2,747,000 | 2,640 |
| Premises and equipment expense | $563,000 | 3,162 |
| Additional noninterest expense | $1,722,000 | 2,254 |
| Pre-tax net operating income | $4,883,000 | 1,534 |
| Securities gains (losses) | $34,000 | 644 |
| Applicable income taxes | $1,597,000 | 1,331 |
| Income before extraordinary items | $3,320,000 | 1,678 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,320,000 | 1,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,324 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,296,880 | 1,673 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,056,000 | 1,933 |
| Total interest expense | $3,979,000 | 1,918 |
| Net interest income | $6,077,000 | 1,919 |
| Provision for loan and lease losses | $100,000 | 3,294 |
| Total noninterest income | $595,000 | 3,139 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $366,000 | 2,265 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $229,000 | 3,475 |
| Total noninterest expense | $3,316,000 | 2,649 |
| Salaries and employee benefits | $1,806,000 | 2,677 |
| Premises and equipment expense | $380,000 | 3,123 |
| Additional noninterest expense | $1,130,000 | 2,301 |
| Pre-tax net operating income | $3,256,000 | 1,542 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,063,000 | 1,334 |
| Income before extraordinary items | $2,193,000 | 1,662 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,193,000 | 1,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,751 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,193,000 | 1,648 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,782,000 | 1,987 |
| Total interest expense | $1,838,000 | 1,967 |
| Net interest income | $2,944,000 | 1,975 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $299,000 | 3,101 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $186,000 | 2,168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,483 |
| Total noninterest expense | $1,670,000 | 2,634 |
| Salaries and employee benefits | $924,000 | 2,628 |
| Premises and equipment expense | $196,000 | 3,079 |
| Additional noninterest expense | $550,000 | 2,333 |
| Pre-tax net operating income | $1,548,000 | 1,587 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $510,000 | 1,378 |
| Income before extraordinary items | $1,038,000 | 1,727 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,038,000 | 1,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 989 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,038,000 | 1,711 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,341,000 | 1,834 |
| Total interest expense | $5,623,000 | 2,000 |
| Net interest income | $12,718,000 | 1,728 |
| Provision for loan and lease losses | $150,000 | 4,107 |
| Total noninterest income | $1,249,000 | 3,047 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $772,000 | 2,171 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $477,000 | 3,455 |
| Total noninterest expense | $6,875,000 | 2,422 |
| Salaries and employee benefits | $3,886,000 | 2,354 |
| Premises and equipment expense | $824,000 | 2,824 |
| Additional noninterest expense | $2,165,000 | 2,313 |
| Pre-tax net operating income | $6,942,000 | 1,379 |
| Securities gains (losses) | $54,000 | 898 |
| Applicable income taxes | $2,562,000 | 1,102 |
| Income before extraordinary items | $4,434,000 | 1,584 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,434,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,511 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,399,440 | 1,574 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,536,000 | 1,816 |
| Total interest expense | $3,962,000 | 2,009 |
| Net interest income | $9,574,000 | 1,703 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $948,000 | 3,018 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $590,000 | 2,134 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $358,000 | 3,488 |
| Total noninterest expense | $5,134,000 | 2,418 |
| Salaries and employee benefits | $2,919,000 | 2,324 |
| Premises and equipment expense | $592,000 | 2,911 |
| Additional noninterest expense | $1,623,000 | 2,273 |
| Pre-tax net operating income | $5,238,000 | 1,373 |
| Securities gains (losses) | $54,000 | 853 |
| Applicable income taxes | $2,001,000 | 1,071 |
| Income before extraordinary items | $3,291,000 | 1,599 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,291,000 | 1,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 8,485 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,256,440 | 1,583 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,827,000 | 1,802 |
| Total interest expense | $2,501,000 | 1,986 |
| Net interest income | $6,326,000 | 1,698 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $610,000 | 3,054 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $379,000 | 2,166 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $231,000 | 3,507 |
| Total noninterest expense | $3,427,000 | 2,389 |
| Salaries and employee benefits | $1,966,000 | 2,297 |
| Premises and equipment expense | $399,000 | 2,853 |
| Additional noninterest expense | $1,062,000 | 2,296 |
| Pre-tax net operating income | $3,359,000 | 1,396 |
| Securities gains (losses) | $10,000 | 1,355 |
| Applicable income taxes | $1,357,000 | 1,036 |
| Income before extraordinary items | $2,012,000 | 1,695 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,012,000 | 1,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 8,537 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,005,600 | 1,678 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,241,000 | 1,842 |
| Total interest expense | $1,142,000 | 2,067 |
| Net interest income | $3,099,000 | 1,727 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $298,000 | 3,066 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $184,000 | 2,165 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $114,000 | 3,495 |
| Total noninterest expense | $1,705,000 | 2,410 |
| Salaries and employee benefits | $975,000 | 2,331 |
| Premises and equipment expense | $204,000 | 2,835 |
| Additional noninterest expense | $526,000 | 2,316 |
| Pre-tax net operating income | $1,542,000 | 1,478 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $492,000 | 1,377 |
| Income before extraordinary items | $1,053,000 | 1,591 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,053,000 | 1,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,691 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,050,960 | 1,574 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,443,000 | 1,851 |
| Total interest expense | $3,950,000 | 2,061 |
| Net interest income | $11,493,000 | 1,753 |
| Provision for loan and lease losses | $325,000 | 2,753 |
| Total noninterest income | $978,000 | 3,612 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $647,000 | 2,542 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $331,000 | 4,080 |
| Total noninterest expense | $6,410,000 | 2,493 |
| Salaries and employee benefits | $3,623,000 | 2,400 |
| Premises and equipment expense | $812,000 | 2,753 |
| Additional noninterest expense | $1,975,000 | 2,451 |
| Pre-tax net operating income | $5,736,000 | 1,489 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $1,826,000 | 1,384 |
| Income before extraordinary items | $3,915,000 | 1,648 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,915,000 | 1,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,216 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,911,600 | 1,603 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,215,000 | 1,891 |
| Total interest expense | $2,925,000 | 2,043 |
| Net interest income | $8,290,000 | 1,812 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $707,000 | 3,707 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $489,000 | 2,547 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $218,000 | 4,344 |
| Total noninterest expense | $4,662,000 | 2,527 |
| Salaries and employee benefits | $2,642,000 | 2,447 |
| Premises and equipment expense | $615,000 | 2,724 |
| Additional noninterest expense | $1,405,000 | 2,526 |
| Pre-tax net operating income | $4,110,000 | 1,567 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,295,000 | 1,453 |
| Income before extraordinary items | $2,815,000 | 1,728 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,815,000 | 1,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,296 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,815,000 | 1,678 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,329,000 | 1,912 |
| Total interest expense | $1,895,000 | 2,084 |
| Net interest income | $5,434,000 | 1,835 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $472,000 | 3,709 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $316,000 | 2,607 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $156,000 | 4,232 |
| Total noninterest expense | $3,090,000 | 2,552 |
| Salaries and employee benefits | $1,759,000 | 2,438 |
| Premises and equipment expense | $408,000 | 2,742 |
| Additional noninterest expense | $923,000 | 2,565 |
| Pre-tax net operating income | $2,666,000 | 1,579 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $919,000 | 1,371 |
| Income before extraordinary items | $1,747,000 | 1,810 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,747,000 | 1,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 1,604 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,747,000 | 1,757 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,571,000 | 1,967 |
| Total interest expense | $945,000 | 2,115 |
| Net interest income | $2,626,000 | 1,896 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $244,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $154,000 | 2,620 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $90,000 | 3,932 |
| Total noninterest expense | $1,520,000 | 2,595 |
| Salaries and employee benefits | $872,000 | 2,485 |
| Premises and equipment expense | $208,000 | 2,710 |
| Additional noninterest expense | $440,000 | 2,659 |
| Pre-tax net operating income | $1,275,000 | 1,633 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $399,000 | 1,553 |
| Income before extraordinary items | $876,000 | 1,787 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $876,000 | 1,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 1,233 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $876,000 | 1,703 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,086,000 | 2,017 |
| Total interest expense | $3,886,000 | 2,272 |
| Net interest income | $10,200,000 | 1,911 |
| Provision for loan and lease losses | $150,000 | 4,567 |
| Total noninterest income | $1,051,000 | 3,615 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $630,000 | 2,605 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $421,000 | 3,881 |
| Total noninterest expense | $5,918,000 | 2,630 |
| Salaries and employee benefits | $3,226,000 | 2,606 |
| Premises and equipment expense | $877,000 | 2,550 |
| Additional noninterest expense | $1,815,000 | 2,619 |
| Pre-tax net operating income | $5,183,000 | 1,564 |
| Securities gains (losses) | $44,000 | 2,634 |
| Applicable income taxes | $1,548,000 | 1,583 |
| Income before extraordinary items | $3,679,000 | 1,687 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,679,000 | 1,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,908 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,648,200 | 1,616 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,451,000 | 2,073 |
| Total interest expense | $2,940,000 | 2,339 |
| Net interest income | $7,511,000 | 1,957 |
| Provision for loan and lease losses | $150,000 | 3,902 |
| Total noninterest income | $798,000 | 3,651 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $434,000 | 2,778 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $364,000 | 3,712 |
| Total noninterest expense | $4,387,000 | 2,656 |
| Salaries and employee benefits | $2,406,000 | 2,615 |
| Premises and equipment expense | $641,000 | 2,605 |
| Additional noninterest expense | $1,340,000 | 2,635 |
| Pre-tax net operating income | $3,772,000 | 1,670 |
| Securities gains (losses) | $44,000 | 2,422 |
| Applicable income taxes | $1,108,000 | 1,703 |
| Income before extraordinary items | $2,708,000 | 1,784 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,708,000 | 1,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,899 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,676,760 | 1,707 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,929,000 | 2,100 |
| Total interest expense | $1,858,000 | 2,536 |
| Net interest income | $5,071,000 | 1,927 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $507,000 | 3,704 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $256,000 | 3,009 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $251,000 | 3,621 |
| Total noninterest expense | $2,889,000 | 2,688 |
| Salaries and employee benefits | $1,595,000 | 2,632 |
| Premises and equipment expense | $395,000 | 2,800 |
| Additional noninterest expense | $899,000 | 2,619 |
| Pre-tax net operating income | $2,539,000 | 1,652 |
| Securities gains (losses) | $44,000 | 2,102 |
| Applicable income taxes | $776,000 | 1,666 |
| Income before extraordinary items | $1,807,000 | 1,785 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,807,000 | 1,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,218 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,776,200 | 1,692 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,516,000 | 2,090 |
| Total interest expense | $984,000 | 2,471 |
| Net interest income | $2,532,000 | 1,930 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $206,000 | 4,084 |
| 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 | $91,000 | 4,102 |
| Total noninterest expense | $1,424,000 | 2,713 |
| Salaries and employee benefits | $791,000 | 2,645 |
| Premises and equipment expense | $194,000 | 2,827 |
| Additional noninterest expense | $439,000 | 2,628 |
| Pre-tax net operating income | $1,164,000 | 1,798 |
| Securities gains (losses) | $45,000 | 1,448 |
| Applicable income taxes | $348,000 | 1,826 |
| Income before extraordinary items | $861,000 | 1,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $861,000 | 1,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $829,050 | 1,800 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,990,000 | 2,368 |
| Total interest expense | $4,533,000 | 2,459 |
| Net interest income | $8,457,000 | 2,292 |
| Provision for loan and lease losses | $1,013,000 | 1,336 |
| Total noninterest income | $807,000 | 3,968 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $435,000 | 3,332 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $372,000 | 3,826 |
| Total noninterest expense | $5,461,000 | 2,702 |
| Salaries and employee benefits | $2,896,000 | 2,718 |
| Premises and equipment expense | $729,000 | 2,897 |
| Additional noninterest expense | $1,836,000 | 2,506 |
| Pre-tax net operating income | $2,790,000 | 2,646 |
| Securities gains (losses) | $71,000 | 2,079 |
| Applicable income taxes | $776,000 | 2,646 |
| Income before extraordinary items | $2,085,000 | 2,712 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,085,000 | 2,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $848,000 | 1,113 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,033,170 | 2,671 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,867,000 | 2,649 |
| Total interest expense | $7,050,000 | 2,276 |
| Net interest income | $5,817,000 | 3,018 |
| Provision for loan and lease losses | $1,600,000 | 852 |
| Total noninterest income | $517,000 | 4,978 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $401,000 | 3,397 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $116,000 | 6,082 |
| Total noninterest expense | $4,812,000 | 2,916 |
| Salaries and employee benefits | $2,437,000 | 3,012 |
| Premises and equipment expense | $655,000 | 3,114 |
| Additional noninterest expense | $1,720,000 | 2,570 |
| Pre-tax net operating income | $-78,000 | 8,840 |
| Securities gains (losses) | $-4,000 | 9,172 |
| Applicable income taxes | $-287,000 | 9,418 |
| Income before extraordinary items | $205,000 | 7,694 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $205,000 | 7,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,129,000 | 862 |
| Cash dividends | $27,000 | 6,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $207,560 | 7,559 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,430,000 | 3,019 |
| Total interest expense | $6,904,000 | 2,435 |
| Net interest income | $4,526,000 | 3,776 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $440,000 | 5,256 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $328,000 | 3,788 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $112,000 | 6,168 |
| Total noninterest expense | $3,890,000 | 3,411 |
| Salaries and employee benefits | $2,028,000 | 3,419 |
| Premises and equipment expense | $520,000 | 3,673 |
| Additional noninterest expense | $1,342,000 | 3,092 |
| Pre-tax net operating income | $776,000 | 5,951 |
| Securities gains (losses) | $-35,000 | 9,026 |
| Applicable income taxes | $184,000 | 5,557 |
| Income before extraordinary items | $557,000 | 6,047 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $557,000 | 6,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,622 |
| Cash dividends | $27,000 | 6,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $583,250 | 5,936 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,918,000 | 3,939 |
| Total interest expense | $4,208,000 | 3,433 |
| Net interest income | $3,710,000 | 4,449 |
| Provision for loan and lease losses | $315,000 | 2,548 |
| Total noninterest income | $320,000 | 6,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,290 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,065 |
| Total noninterest expense | $2,679,000 | 4,620 |
| Salaries and employee benefits | $1,451,000 | 4,450 |
| Premises and equipment expense | $280,000 | 5,681 |
| Additional noninterest expense | $948,000 | 4,189 |
| Pre-tax net operating income | $1,036,000 | 5,193 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $344,000 | 4,508 |
| Income before extraordinary items | $692,000 | 5,491 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $692,000 | 5,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $50,000 | 6,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $692,000 | 5,459 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,087,000 | 5,622 |
| Total interest expense | $2,951,000 | 4,790 |
| Net interest income | $2,136,000 | 6,419 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $226,000 | 7,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,765 |
| Total noninterest expense | $1,836,000 | 5,914 |
| Salaries and employee benefits | $922,000 | 6,106 |
| Premises and equipment expense | $250,000 | 5,967 |
| Additional noninterest expense | $664,000 | 5,370 |
| Pre-tax net operating income | $286,000 | 8,481 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $286,000 | 7,997 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $286,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 275 |
| Net operating income | $286,000 | 7,917 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,897,000 | 7,888 |
| Total interest expense | $1,677,000 | 6,934 |
| Net interest income | $1,220,000 | 8,641 |
| Provision for loan and lease losses | $115,000 | 4,888 |
| Total noninterest income | $147,000 | 8,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,834 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $1,160,000 | 7,814 |
| Salaries and employee benefits | $596,000 | 7,947 |
| Premises and equipment expense | $135,000 | 8,126 |
| Additional noninterest expense | $429,000 | 7,110 |
| Pre-tax net operating income | $92,000 | 10,097 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $100,000 | 9,960 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $100,000 | 9,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $92,000 | 9,965 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $672,000 | 11,136 |
| Total interest expense | $277,000 | 11,118 |
| Net interest income | $395,000 | 11,089 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $51,000 | 10,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 9,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 9,496 |
| Total noninterest expense | $706,000 | 9,793 |
| Salaries and employee benefits | $351,000 | 9,945 |
| Premises and equipment expense | $117,000 | 8,867 |
| Additional noninterest expense | $238,000 | 9,527 |
| Pre-tax net operating income | $-340,000 | 11,162 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-340,000 | 11,199 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-340,000 | 11,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $5,850,000 | 121 |
| Net operating income | $-340,000 | 11,173 |
* 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.