Home > First Morris Bank and Trust > Income and Expense
First Morris Bank and Trust, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,661,000 | 1,401 |
| Total interest expense | $4,104,000 | 1,204 |
| Net interest income | $3,557,000 | 1,625 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $632,000 | 1,866 |
| Gross Fiduciary activities income | $199,000 | 481 |
| Service charges on deposit accounts | $286,000 | 1,503 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $147,000 | 3,058 |
| Total noninterest expense | $6,671,000 | 703 |
| Salaries and employee benefits | $3,598,000 | 698 |
| Premises and equipment expense | $623,000 | 1,073 |
| Additional noninterest expense | $2,450,000 | 580 |
| Pre-tax net operating income | $-2,482,000 | 8,628 |
| Securities gains (losses) | $523,000 | 112 |
| Applicable income taxes | $-227,000 | 8,573 |
| Income before extraordinary items | $-1,732,000 | 8,618 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-1,732,000 | 8,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-2,192,240 | 8,621 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,024,000 | 1,314 |
| Total interest expense | $14,750,000 | 1,135 |
| Net interest income | $15,274,000 | 1,492 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $2,664,000 | 1,791 |
| Gross Fiduciary activities income | $746,000 | 481 |
| Service charges on deposit accounts | $1,232,000 | 1,463 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $686,000 | 2,797 |
| Total noninterest expense | $14,036,000 | 1,274 |
| Salaries and employee benefits | $7,464,000 | 1,309 |
| Premises and equipment expense | $2,295,000 | 1,116 |
| Additional noninterest expense | $4,277,000 | 1,249 |
| Pre-tax net operating income | $3,902,000 | 2,299 |
| Securities gains (losses) | $-1,127,000 | 8,591 |
| Applicable income taxes | $978,000 | 2,224 |
| Income before extraordinary items | $1,797,000 | 3,352 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,797,000 | 3,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,637 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $4,887,000 | 320 |
| Net operating income | $2,529,550 | 2,577 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,225,000 | 1,324 |
| Total interest expense | $10,576,000 | 1,160 |
| Net interest income | $11,649,000 | 1,487 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,978,000 | 1,817 |
| Gross Fiduciary activities income | $532,000 | 494 |
| Service charges on deposit accounts | $925,000 | 1,460 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $521,000 | 2,787 |
| Total noninterest expense | $10,484,000 | 1,293 |
| Salaries and employee benefits | $5,669,000 | 1,298 |
| Premises and equipment expense | $1,710,000 | 1,126 |
| Additional noninterest expense | $3,105,000 | 1,292 |
| Pre-tax net operating income | $3,143,000 | 2,247 |
| Securities gains (losses) | $-1,110,000 | 8,683 |
| Applicable income taxes | $682,000 | 2,410 |
| Income before extraordinary items | $1,351,000 | 3,431 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,351,000 | 3,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,805 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $4,887,000 | 242 |
| Net operating income | $2,083,600 | 2,464 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,535,000 | 1,322 |
| Total interest expense | $6,726,000 | 1,150 |
| Net interest income | $7,809,000 | 1,477 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,286,000 | 1,855 |
| Gross Fiduciary activities income | $338,000 | 511 |
| Service charges on deposit accounts | $599,000 | 1,485 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $349,000 | 2,761 |
| Total noninterest expense | $7,140,000 | 1,276 |
| Salaries and employee benefits | $3,843,000 | 1,296 |
| Premises and equipment expense | $1,118,000 | 1,144 |
| Additional noninterest expense | $2,179,000 | 1,241 |
| Pre-tax net operating income | $1,955,000 | 2,350 |
| Securities gains (losses) | $-1,110,000 | 8,736 |
| Applicable income taxes | $283,000 | 3,127 |
| Income before extraordinary items | $562,000 | 4,596 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $562,000 | 4,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,198 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $4,887,000 | 160 |
| Net operating income | $1,305,700 | 2,600 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,163,000 | 1,321 |
| Total interest expense | $3,177,000 | 1,161 |
| Net interest income | $3,986,000 | 1,441 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $615,000 | 1,896 |
| Gross Fiduciary activities income | $160,000 | 534 |
| Service charges on deposit accounts | $291,000 | 1,464 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $164,000 | 2,810 |
| Total noninterest expense | $3,474,000 | 1,314 |
| Salaries and employee benefits | $1,883,000 | 1,313 |
| Premises and equipment expense | $590,000 | 1,084 |
| Additional noninterest expense | $1,001,000 | 1,318 |
| Pre-tax net operating income | $1,127,000 | 2,085 |
| Securities gains (losses) | $-98,000 | 8,657 |
| Applicable income taxes | $220,000 | 2,473 |
| Income before extraordinary items | $809,000 | 2,161 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $809,000 | 2,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $4,887,000 | 79 |
| Net operating income | $886,420 | 1,982 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,182,000 | 1,272 |
| Total interest expense | $9,748,000 | 1,156 |
| Net interest income | $16,434,000 | 1,333 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $2,378,000 | 1,952 |
| Gross Fiduciary activities income | $602,000 | 534 |
| Service charges on deposit accounts | $1,075,000 | 1,619 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $701,000 | 2,769 |
| Total noninterest expense | $13,591,000 | 1,266 |
| Salaries and employee benefits | $7,357,000 | 1,256 |
| Premises and equipment expense | $2,079,000 | 1,185 |
| Additional noninterest expense | $4,155,000 | 1,250 |
| Pre-tax net operating income | $5,221,000 | 1,795 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $1,619,000 | 1,617 |
| Income before extraordinary items | $3,600,000 | 1,909 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,600,000 | 1,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,711 |
| Cash dividends | $7,000 | 6,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,601,380 | 1,885 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,160,000 | 1,268 |
| Total interest expense | $6,680,000 | 1,184 |
| Net interest income | $12,480,000 | 1,295 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,706,000 | 2,010 |
| Gross Fiduciary activities income | $444,000 | 533 |
| Service charges on deposit accounts | $746,000 | 1,725 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $516,000 | 2,821 |
| Total noninterest expense | $10,177,000 | 1,259 |
| Salaries and employee benefits | $5,441,000 | 1,264 |
| Premises and equipment expense | $1,543,000 | 1,175 |
| Additional noninterest expense | $3,193,000 | 1,191 |
| Pre-tax net operating income | $4,009,000 | 1,758 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $1,275,000 | 1,568 |
| Income before extraordinary items | $2,732,000 | 1,918 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,732,000 | 1,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,299 |
| Cash dividends | $7,000 | 5,278 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,733,360 | 1,879 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,427,000 | 1,268 |
| Total interest expense | $4,137,000 | 1,204 |
| Net interest income | $8,290,000 | 1,297 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,054,000 | 2,097 |
| Gross Fiduciary activities income | $283,000 | 555 |
| Service charges on deposit accounts | $418,000 | 1,995 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $353,000 | 2,753 |
| Total noninterest expense | $6,597,000 | 1,288 |
| Salaries and employee benefits | $3,605,000 | 1,271 |
| Premises and equipment expense | $1,030,000 | 1,166 |
| Additional noninterest expense | $1,962,000 | 1,274 |
| Pre-tax net operating income | $2,747,000 | 1,688 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $897,000 | 1,489 |
| Income before extraordinary items | $1,855,000 | 1,842 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,855,000 | 1,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $7,000 | 5,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,851,650 | 1,809 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,119,000 | 1,261 |
| Total interest expense | $1,941,000 | 1,218 |
| Net interest income | $4,178,000 | 1,272 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $481,000 | 2,191 |
| Gross Fiduciary activities income | $135,000 | 578 |
| Service charges on deposit accounts | $168,000 | 2,331 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $178,000 | 2,669 |
| Total noninterest expense | $3,275,000 | 1,300 |
| Salaries and employee benefits | $1,811,000 | 1,274 |
| Premises and equipment expense | $548,000 | 1,094 |
| Additional noninterest expense | $916,000 | 1,351 |
| Pre-tax net operating income | $1,384,000 | 1,646 |
| Securities gains (losses) | $5,000 | 1,192 |
| Applicable income taxes | $473,000 | 1,415 |
| Income before extraordinary items | $916,000 | 1,847 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $916,000 | 1,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $7,000 | 3,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $912,700 | 1,815 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $22,876,000 | 1,237 |
| Total interest expense | $6,334,000 | 1,304 |
| Net interest income | $16,542,000 | 1,218 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,795,000 | 2,371 |
| Gross Fiduciary activities income | $380,000 | 638 |
| Service charges on deposit accounts | $679,000 | 2,444 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $736,000 | 2,638 |
| Total noninterest expense | $11,910,000 | 1,379 |
| Salaries and employee benefits | $6,562,000 | 1,344 |
| Premises and equipment expense | $1,960,000 | 1,171 |
| Additional noninterest expense | $3,388,000 | 1,461 |
| Pre-tax net operating income | $6,427,000 | 1,349 |
| Securities gains (losses) | $25,000 | 2,257 |
| Applicable income taxes | $2,248,000 | 1,148 |
| Income before extraordinary items | $4,204,000 | 1,534 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,204,000 | 1,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,038 |
| Cash dividends | $5,000 | 6,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,187,750 | 1,491 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,756,000 | 1,245 |
| Total interest expense | $4,483,000 | 1,345 |
| Net interest income | $12,273,000 | 1,214 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,348,000 | 2,376 |
| Gross Fiduciary activities income | $266,000 | 648 |
| Service charges on deposit accounts | $508,000 | 2,460 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $574,000 | 2,572 |
| Total noninterest expense | $8,773,000 | 1,394 |
| Salaries and employee benefits | $4,818,000 | 1,368 |
| Premises and equipment expense | $1,435,000 | 1,199 |
| Additional noninterest expense | $2,520,000 | 1,460 |
| Pre-tax net operating income | $4,848,000 | 1,341 |
| Securities gains (losses) | $25,000 | 2,158 |
| Applicable income taxes | $1,713,000 | 1,150 |
| Income before extraordinary items | $3,160,000 | 1,537 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,160,000 | 1,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,805 |
| Cash dividends | $5,000 | 5,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,143,750 | 1,499 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,876,000 | 1,266 |
| Total interest expense | $2,771,000 | 1,435 |
| Net interest income | $8,105,000 | 1,219 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $884,000 | 2,411 |
| Gross Fiduciary activities income | $167,000 | 670 |
| Service charges on deposit accounts | $340,000 | 2,456 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $377,000 | 2,608 |
| Total noninterest expense | $5,792,000 | 1,397 |
| Salaries and employee benefits | $3,127,000 | 1,402 |
| Premises and equipment expense | $959,000 | 1,206 |
| Additional noninterest expense | $1,706,000 | 1,421 |
| Pre-tax net operating income | $3,197,000 | 1,335 |
| Securities gains (losses) | $25,000 | 1,902 |
| Applicable income taxes | $1,136,000 | 1,154 |
| Income before extraordinary items | $2,086,000 | 1,535 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,086,000 | 1,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,683 |
| Cash dividends | $5,000 | 5,050 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,069,750 | 1,495 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,368,000 | 1,291 |
| Total interest expense | $1,362,000 | 1,467 |
| Net interest income | $4,006,000 | 1,241 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $422,000 | 2,444 |
| Gross Fiduciary activities income | $78,000 | 695 |
| Service charges on deposit accounts | $172,000 | 2,379 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $172,000 | 2,705 |
| Total noninterest expense | $2,837,000 | 1,438 |
| Salaries and employee benefits | $1,534,000 | 1,448 |
| Premises and equipment expense | $479,000 | 1,220 |
| Additional noninterest expense | $824,000 | 1,460 |
| Pre-tax net operating income | $1,591,000 | 1,315 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $559,000 | 1,199 |
| Income before extraordinary items | $1,032,000 | 1,546 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,032,000 | 1,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $5,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,032,000 | 1,460 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,066,000 | 1,429 |
| Total interest expense | $5,633,000 | 1,598 |
| Net interest income | $14,433,000 | 1,357 |
| Provision for loan and lease losses | $80,000 | 5,625 |
| Total noninterest income | $1,939,000 | 2,369 |
| Gross Fiduciary activities income | $283,000 | 724 |
| Service charges on deposit accounts | $715,000 | 2,317 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $941,000 | 2,475 |
| Total noninterest expense | $10,480,000 | 1,526 |
| Salaries and employee benefits | $5,723,000 | 1,495 |
| Premises and equipment expense | $1,794,000 | 1,266 |
| Additional noninterest expense | $2,963,000 | 1,648 |
| Pre-tax net operating income | $5,812,000 | 1,421 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $2,095,000 | 1,246 |
| Income before extraordinary items | $3,719,000 | 1,669 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,719,000 | 1,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $4,000 | 6,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,717,720 | 1,591 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,858,000 | 1,474 |
| Total interest expense | $4,227,000 | 1,675 |
| Net interest income | $10,631,000 | 1,393 |
| Provision for loan and lease losses | $80,000 | 5,120 |
| Total noninterest income | $1,511,000 | 2,349 |
| Gross Fiduciary activities income | $214,000 | 723 |
| Service charges on deposit accounts | $542,000 | 2,312 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $755,000 | 2,448 |
| Total noninterest expense | $7,768,000 | 1,552 |
| Salaries and employee benefits | $4,289,000 | 1,509 |
| Premises and equipment expense | $1,314,000 | 1,301 |
| Additional noninterest expense | $2,165,000 | 1,674 |
| Pre-tax net operating income | $4,294,000 | 1,484 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,561,000 | 1,300 |
| Income before extraordinary items | $2,733,000 | 1,760 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,733,000 | 1,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $4,000 | 5,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,733,000 | 1,669 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,977,000 | 1,475 |
| Total interest expense | $2,910,000 | 1,675 |
| Net interest income | $7,067,000 | 1,388 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $1,229,000 | 2,021 |
| Gross Fiduciary activities income | $144,000 | 718 |
| Service charges on deposit accounts | $367,000 | 2,257 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $718,000 | 1,931 |
| Total noninterest expense | $5,373,000 | 1,494 |
| Salaries and employee benefits | $2,876,000 | 1,498 |
| Premises and equipment expense | $1,103,000 | 1,049 |
| Additional noninterest expense | $1,394,000 | 1,720 |
| Pre-tax net operating income | $2,843,000 | 1,489 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,054,000 | 1,315 |
| Income before extraordinary items | $1,789,000 | 1,797 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,789,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $4,000 | 5,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,789,000 | 1,679 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,068,000 | 1,459 |
| Total interest expense | $1,524,000 | 1,624 |
| Net interest income | $3,544,000 | 1,384 |
| Provision for loan and lease losses | $80,000 | 2,724 |
| Total noninterest income | $508,000 | 2,258 |
| Gross Fiduciary activities income | $65,000 | 751 |
| Service charges on deposit accounts | $187,000 | 2,139 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $256,000 | 2,333 |
| Total noninterest expense | $2,621,000 | 1,523 |
| Salaries and employee benefits | $1,435,000 | 1,494 |
| Premises and equipment expense | $527,000 | 1,098 |
| Additional noninterest expense | $659,000 | 1,785 |
| Pre-tax net operating income | $1,351,000 | 1,557 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $502,000 | 1,373 |
| Income before extraordinary items | $849,000 | 1,857 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $849,000 | 1,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $4,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $849,000 | 1,748 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,837,000 | 1,477 |
| Total interest expense | $7,225,000 | 1,565 |
| Net interest income | $13,612,000 | 1,438 |
| Provision for loan and lease losses | $540,000 | 2,260 |
| Total noninterest income | $1,731,000 | 2,381 |
| Gross Fiduciary activities income | $225,000 | 792 |
| Service charges on deposit accounts | $669,000 | 2,335 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $837,000 | 2,438 |
| Total noninterest expense | $10,216,000 | 1,508 |
| Salaries and employee benefits | $5,410,000 | 1,501 |
| Premises and equipment expense | $1,917,000 | 1,157 |
| Additional noninterest expense | $2,889,000 | 1,632 |
| Pre-tax net operating income | $4,587,000 | 1,769 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,613,000 | 1,553 |
| Income before extraordinary items | $2,974,000 | 2,022 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,974,000 | 2,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,528 |
| Cash dividends | $4,000 | 6,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,974,000 | 1,950 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $20,244,000 | 1,679 |
| Total interest expense | $9,536,000 | 1,709 |
| Net interest income | $10,708,000 | 1,666 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,430,000 | 2,607 |
| Gross Fiduciary activities income | $129,000 | 933 |
| Service charges on deposit accounts | $713,000 | 2,109 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $588,000 | 2,864 |
| Total noninterest expense | $9,177,000 | 1,597 |
| Salaries and employee benefits | $4,905,000 | 1,536 |
| Premises and equipment expense | $1,720,000 | 1,239 |
| Additional noninterest expense | $2,552,000 | 1,794 |
| Pre-tax net operating income | $2,961,000 | 2,296 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $933,000 | 2,170 |
| Income before extraordinary items | $2,028,000 | 2,496 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,028,000 | 2,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,025 |
| Cash dividends | $5,000 | 6,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,028,000 | 2,414 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,474,000 | 1,779 |
| Total interest expense | $9,422,000 | 1,831 |
| Net interest income | $10,052,000 | 1,747 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,144,000 | 2,864 |
| Gross Fiduciary activities income | $72,000 | 992 |
| Service charges on deposit accounts | $774,000 | 1,795 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $298,000 | 3,934 |
| Total noninterest expense | $8,015,000 | 1,741 |
| Salaries and employee benefits | $4,244,000 | 1,685 |
| Premises and equipment expense | $1,432,000 | 1,456 |
| Additional noninterest expense | $2,339,000 | 1,880 |
| Pre-tax net operating income | $3,181,000 | 2,273 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $1,021,000 | 2,086 |
| Income before extraordinary items | $2,165,000 | 2,365 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,165,000 | 2,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,939 |
| Cash dividends | $892,000 | 2,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,161,600 | 2,373 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,144,000 | 1,900 |
| Total interest expense | $7,878,000 | 1,910 |
| Net interest income | $9,266,000 | 1,894 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,011,000 | 3,062 |
| Gross Fiduciary activities income | $1,000 | 1,355 |
| Service charges on deposit accounts | $666,000 | 1,993 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $344,000 | 3,723 |
| Total noninterest expense | $7,236,000 | 1,900 |
| Salaries and employee benefits | $3,818,000 | 1,818 |
| Premises and equipment expense | $1,184,000 | 1,730 |
| Additional noninterest expense | $2,234,000 | 1,954 |
| Pre-tax net operating income | $3,041,000 | 2,385 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $964,000 | 2,281 |
| Income before extraordinary items | $2,078,000 | 2,489 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,078,000 | 2,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $903,000 | 2,446 |
| Sale, conversion, retirement of capital stock, net | $-452,000 | 10,144 |
| Net operating income | $2,077,320 | 2,452 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,395,000 | 1,978 |
| Total interest expense | $7,732,000 | 1,980 |
| Net interest income | $8,663,000 | 1,973 |
| Provision for loan and lease losses | $-297,000 | 10,390 |
| Total noninterest income | $907,000 | 3,301 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $612,000 | 2,093 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $295,000 | 4,071 |
| Total noninterest expense | $6,326,000 | 2,081 |
| Salaries and employee benefits | $3,049,000 | 2,222 |
| Premises and equipment expense | $1,049,000 | 1,886 |
| Additional noninterest expense | $2,228,000 | 1,897 |
| Pre-tax net operating income | $3,541,000 | 2,045 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,232,000 | 1,949 |
| Income before extraordinary items | $2,309,000 | 2,251 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,309,000 | 2,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-278,000 | 10,385 |
| Cash dividends | $903,000 | 2,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,309,000 | 2,179 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,372,000 | 2,129 |
| Total interest expense | $7,228,000 | 2,101 |
| Net interest income | $8,144,000 | 2,143 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $728,000 | 3,855 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $524,000 | 2,504 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $204,000 | 4,907 |
| Total noninterest expense | $5,414,000 | 2,381 |
| Salaries and employee benefits | $2,758,000 | 2,413 |
| Premises and equipment expense | $895,000 | 2,189 |
| Additional noninterest expense | $1,761,000 | 2,349 |
| Pre-tax net operating income | $3,458,000 | 2,179 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $1,263,000 | 1,981 |
| Income before extraordinary items | $2,202,000 | 2,362 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,202,000 | 2,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $903,000 | 2,358 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 911 |
| Net operating income | $2,197,520 | 2,312 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,942,000 | 2,584 |
| Total interest expense | $5,738,000 | 2,655 |
| Net interest income | $7,204,000 | 2,482 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $664,000 | 4,263 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $424,000 | 3,174 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $240,000 | 4,648 |
| Total noninterest expense | $4,702,000 | 2,905 |
| Salaries and employee benefits | $2,456,000 | 2,747 |
| Premises and equipment expense | $712,000 | 2,740 |
| Additional noninterest expense | $1,534,000 | 3,064 |
| Pre-tax net operating income | $3,166,000 | 2,255 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,155,000 | 2,069 |
| Income before extraordinary items | $2,011,000 | 2,452 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,011,000 | 2,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,120 |
| Cash dividends | $677,000 | 2,814 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 764 |
| Net operating income | $2,011,000 | 2,406 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,926,000 | 2,803 |
| Total interest expense | $5,215,000 | 2,923 |
| Net interest income | $6,711,000 | 2,657 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $533,000 | 4,954 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $347,000 | 3,797 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $186,000 | 5,328 |
| Total noninterest expense | $4,652,000 | 2,894 |
| Salaries and employee benefits | $2,384,000 | 2,807 |
| Premises and equipment expense | $634,000 | 3,068 |
| Additional noninterest expense | $1,634,000 | 2,847 |
| Pre-tax net operating income | $2,592,000 | 2,749 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $965,000 | 2,473 |
| Income before extraordinary items | $1,627,000 | 3,012 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,627,000 | 3,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 11,607 |
| Cash dividends | $529,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 661 |
| Net operating income | $1,627,000 | 2,982 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,989,000 | 2,762 |
| Total interest expense | $3,904,000 | 3,123 |
| Net interest income | $7,085,000 | 2,544 |
| Provision for loan and lease losses | $-558,000 | 12,482 |
| Total noninterest income | $494,000 | 5,335 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $306,000 | 4,292 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $188,000 | 5,477 |
| Total noninterest expense | $5,406,000 | 2,574 |
| Salaries and employee benefits | $2,504,000 | 2,657 |
| Premises and equipment expense | $679,000 | 2,893 |
| Additional noninterest expense | $2,223,000 | 2,359 |
| Pre-tax net operating income | $2,731,000 | 2,599 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,037,000 | 2,153 |
| Income before extraordinary items | $1,694,000 | 2,850 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,694,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-561,000 | 12,545 |
| Cash dividends | $212,000 | 5,311 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,129 |
| Net operating income | $1,694,000 | 2,872 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,748,000 | 2,884 |
| Total interest expense | $3,775,000 | 3,334 |
| Net interest income | $6,973,000 | 2,589 |
| Provision for loan and lease losses | $864,000 | 1,443 |
| Total noninterest income | $693,000 | 4,474 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $273,000 | 4,780 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $420,000 | 3,643 |
| Total noninterest expense | $5,577,000 | 2,566 |
| Salaries and employee benefits | $2,482,000 | 2,665 |
| Premises and equipment expense | $689,000 | 2,927 |
| Additional noninterest expense | $2,406,000 | 2,319 |
| Pre-tax net operating income | $1,225,000 | 5,110 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $494,000 | 4,239 |
| Income before extraordinary items | $731,000 | 5,927 |
| Extraordinary gains, net | $-82,000 | 12,872 |
| Net income | $649,000 | 6,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 2,149 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $731,000 | 5,661 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,014,000 | 2,916 |
| Total interest expense | $5,018,000 | 3,301 |
| Net interest income | $6,996,000 | 2,594 |
| Provision for loan and lease losses | $569,000 | 2,731 |
| Total noninterest income | $476,000 | 5,830 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $290,000 | 4,573 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $186,000 | 5,920 |
| Total noninterest expense | $5,705,000 | 2,534 |
| Salaries and employee benefits | $2,388,000 | 2,718 |
| Premises and equipment expense | $647,000 | 3,132 |
| Additional noninterest expense | $2,670,000 | 2,205 |
| Pre-tax net operating income | $1,198,000 | 4,920 |
| Securities gains (losses) | $115,000 | 2,787 |
| Applicable income taxes | $526,000 | 3,830 |
| Income before extraordinary items | $787,000 | 5,431 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $787,000 | 5,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $640,000 | 2,090 |
| Cash dividends | $2,000 | 8,882 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $713,400 | 5,502 |
* 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.