Home > Inland Bank and Trust > Income and Expense
Inland Bank and Trust, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,789,000 | 1,771 |
| Total interest expense | $3,201,000 | 1,467 |
| Net interest income | $2,588,000 | 2,140 |
| Provision for loan and lease losses | $200,000 | 1,810 |
| Total noninterest income | $56,000 | 6,473 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $38,000 | 5,536 |
| Total noninterest expense | $1,677,000 | 2,768 |
| Salaries and employee benefits | $855,000 | 2,978 |
| Premises and equipment expense | $276,000 | 2,446 |
| Additional noninterest expense | $546,000 | 2,514 |
| Pre-tax net operating income | $767,000 | 2,248 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $229,000 | 1,795 |
| Income before extraordinary items | $539,000 | 2,531 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $539,000 | 2,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 1,104 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $538,300 | 2,457 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $23,533,000 | 1,808 |
| Total interest expense | $12,435,000 | 1,616 |
| Net interest income | $11,098,000 | 2,044 |
| Provision for loan and lease losses | $530,000 | 2,245 |
| Total noninterest income | $199,000 | 6,745 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $71,000 | 6,428 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $128,000 | 5,841 |
| Total noninterest expense | $5,410,000 | 3,238 |
| Salaries and employee benefits | $2,963,000 | 3,251 |
| Premises and equipment expense | $908,000 | 2,786 |
| Additional noninterest expense | $1,539,000 | 3,342 |
| Pre-tax net operating income | $5,357,000 | 1,555 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,805,000 | 1,227 |
| Income before extraordinary items | $3,552,000 | 1,768 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,552,000 | 1,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $846,000 | 1,161 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,552,000 | 1,760 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,638,000 | 1,812 |
| Total interest expense | $9,171,000 | 1,633 |
| Net interest income | $8,467,000 | 2,023 |
| Provision for loan and lease losses | $330,000 | 2,168 |
| Total noninterest income | $147,000 | 6,808 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $55,000 | 6,436 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $92,000 | 5,943 |
| Total noninterest expense | $3,886,000 | 3,322 |
| Salaries and employee benefits | $2,146,000 | 3,335 |
| Premises and equipment expense | $672,000 | 2,797 |
| Additional noninterest expense | $1,068,000 | 3,517 |
| Pre-tax net operating income | $4,398,000 | 1,537 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,503,000 | 1,224 |
| Income before extraordinary items | $2,895,000 | 1,747 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,895,000 | 1,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 1,750 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,895,000 | 1,734 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,784,000 | 1,831 |
| Total interest expense | $6,129,000 | 1,645 |
| Net interest income | $5,655,000 | 2,047 |
| Provision for loan and lease losses | $270,000 | 1,691 |
| Total noninterest income | $108,000 | 6,728 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $39,000 | 6,398 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $69,000 | 5,763 |
| Total noninterest expense | $2,484,000 | 3,453 |
| Salaries and employee benefits | $1,373,000 | 3,476 |
| Premises and equipment expense | $426,000 | 2,939 |
| Additional noninterest expense | $685,000 | 3,627 |
| Pre-tax net operating income | $3,009,000 | 1,542 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,037,000 | 1,244 |
| Income before extraordinary items | $1,972,000 | 1,757 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,972,000 | 1,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,590 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,972,000 | 1,742 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,709,000 | 1,876 |
| Total interest expense | $2,985,000 | 1,668 |
| Net interest income | $2,724,000 | 2,123 |
| Provision for loan and lease losses | $135,000 | 1,618 |
| Total noninterest income | $52,000 | 6,764 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $18,000 | 6,477 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $34,000 | 5,782 |
| Total noninterest expense | $1,206,000 | 3,558 |
| Salaries and employee benefits | $667,000 | 3,589 |
| Premises and equipment expense | $207,000 | 3,020 |
| Additional noninterest expense | $332,000 | 3,665 |
| Pre-tax net operating income | $1,435,000 | 1,599 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $495,000 | 1,298 |
| Income before extraordinary items | $940,000 | 1,816 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $940,000 | 1,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 1,413 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $940,000 | 1,805 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,368,000 | 1,951 |
| Total interest expense | $9,886,000 | 1,694 |
| Net interest income | $10,482,000 | 2,205 |
| Provision for loan and lease losses | $630,000 | 1,547 |
| Total noninterest income | $174,000 | 7,126 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $88,000 | 6,312 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $86,000 | 6,573 |
| Total noninterest expense | $4,347,000 | 3,732 |
| Salaries and employee benefits | $2,204,000 | 3,977 |
| Premises and equipment expense | $858,000 | 2,830 |
| Additional noninterest expense | $1,285,000 | 3,730 |
| Pre-tax net operating income | $5,679,000 | 1,697 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,984,000 | 1,346 |
| Income before extraordinary items | $3,695,000 | 1,920 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,695,000 | 1,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,784 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,695,000 | 1,908 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,985,000 | 1,970 |
| Total interest expense | $7,104,000 | 1,719 |
| Net interest income | $7,881,000 | 2,217 |
| Provision for loan and lease losses | $540,000 | 1,310 |
| Total noninterest income | $130,000 | 7,177 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $67,000 | 6,374 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 6,605 |
| Total noninterest expense | $3,244,000 | 3,742 |
| Salaries and employee benefits | $1,624,000 | 4,015 |
| Premises and equipment expense | $645,000 | 2,833 |
| Additional noninterest expense | $975,000 | 3,673 |
| Pre-tax net operating income | $4,227,000 | 1,760 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,480,000 | 1,404 |
| Income before extraordinary items | $2,747,000 | 1,982 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,747,000 | 1,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,127 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,747,000 | 1,969 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,638,000 | 1,998 |
| Total interest expense | $4,388,000 | 1,761 |
| Net interest income | $5,250,000 | 2,223 |
| Provision for loan and lease losses | $435,000 | 1,106 |
| Total noninterest income | $123,000 | 6,620 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $45,000 | 6,387 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $78,000 | 5,602 |
| Total noninterest expense | $2,160,000 | 3,751 |
| Salaries and employee benefits | $1,046,000 | 4,140 |
| Premises and equipment expense | $430,000 | 2,813 |
| Additional noninterest expense | $684,000 | 3,544 |
| Pre-tax net operating income | $2,778,000 | 1,792 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $978,000 | 1,425 |
| Income before extraordinary items | $1,800,000 | 2,009 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,800,000 | 2,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 1,911 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,800,000 | 1,998 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,563,000 | 2,061 |
| Total interest expense | $1,954,000 | 1,866 |
| Net interest income | $2,609,000 | 2,230 |
| Provision for loan and lease losses | $205,000 | 1,116 |
| Total noninterest income | $86,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $29,000 | 5,974 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $57,000 | 4,857 |
| Total noninterest expense | $1,140,000 | 3,622 |
| Salaries and employee benefits | $531,000 | 4,118 |
| Premises and equipment expense | $210,000 | 2,897 |
| Additional noninterest expense | $399,000 | 3,125 |
| Pre-tax net operating income | $1,350,000 | 1,793 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $460,000 | 1,487 |
| Income before extraordinary items | $890,000 | 1,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $890,000 | 1,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 1,351 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $890,000 | 1,973 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,921,000 | 2,095 |
| Total interest expense | $6,315,000 | 1,794 |
| Net interest income | $9,606,000 | 2,302 |
| Provision for loan and lease losses | $755,000 | 1,329 |
| Total noninterest income | $160,000 | 7,406 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $68,000 | 6,780 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $92,000 | 6,533 |
| Total noninterest expense | $3,973,000 | 3,885 |
| Salaries and employee benefits | $1,886,000 | 4,307 |
| Premises and equipment expense | $788,000 | 2,931 |
| Additional noninterest expense | $1,299,000 | 3,621 |
| Pre-tax net operating income | $5,038,000 | 1,858 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,692,000 | 1,555 |
| Income before extraordinary items | $3,346,000 | 2,048 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,346,000 | 2,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,096 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,346,000 | 2,024 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,490,000 | 2,124 |
| Total interest expense | $4,453,000 | 1,802 |
| Net interest income | $7,037,000 | 2,331 |
| Provision for loan and lease losses | $600,000 | 1,202 |
| Total noninterest income | $118,000 | 7,458 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $49,000 | 6,871 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $69,000 | 6,541 |
| Total noninterest expense | $2,936,000 | 3,890 |
| Salaries and employee benefits | $1,450,000 | 4,194 |
| Premises and equipment expense | $582,000 | 2,958 |
| Additional noninterest expense | $904,000 | 3,790 |
| Pre-tax net operating income | $3,619,000 | 1,931 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,202,000 | 1,650 |
| Income before extraordinary items | $2,417,000 | 2,130 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,417,000 | 2,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 1,786 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,417,000 | 2,094 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,215,000 | 2,189 |
| Total interest expense | $2,756,000 | 1,826 |
| Net interest income | $4,459,000 | 2,420 |
| Provision for loan and lease losses | $350,000 | 1,336 |
| Total noninterest income | $74,000 | 7,525 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $31,000 | 6,910 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $43,000 | 6,655 |
| Total noninterest expense | $1,928,000 | 3,926 |
| Salaries and employee benefits | $988,000 | 4,116 |
| Premises and equipment expense | $374,000 | 3,030 |
| Additional noninterest expense | $566,000 | 3,977 |
| Pre-tax net operating income | $2,255,000 | 1,988 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $741,000 | 1,718 |
| Income before extraordinary items | $1,514,000 | 2,213 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,514,000 | 2,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 1,653 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,514,000 | 2,172 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,487,000 | 2,214 |
| Total interest expense | $1,318,000 | 1,803 |
| Net interest income | $2,169,000 | 2,460 |
| Provision for loan and lease losses | $160,000 | 1,329 |
| Total noninterest income | $36,000 | 7,582 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $961,000 | 3,961 |
| Salaries and employee benefits | $502,000 | 4,084 |
| Premises and equipment expense | $184,000 | 3,086 |
| Additional noninterest expense | $275,000 | 4,067 |
| Pre-tax net operating income | $1,084,000 | 2,034 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $354,000 | 1,752 |
| Income before extraordinary items | $730,000 | 2,252 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $730,000 | 2,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,376 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $730,000 | 2,216 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,892,000 | 2,417 |
| Total interest expense | $4,562,000 | 1,779 |
| Net interest income | $7,330,000 | 2,759 |
| Provision for loan and lease losses | $455,000 | 2,126 |
| Total noninterest income | $175,000 | 7,377 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $71,000 | 6,934 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $104,000 | 6,343 |
| Total noninterest expense | $3,487,000 | 4,191 |
| Salaries and employee benefits | $1,558,000 | 4,809 |
| Premises and equipment expense | $785,000 | 2,833 |
| Additional noninterest expense | $1,144,000 | 3,899 |
| Pre-tax net operating income | $3,563,000 | 2,244 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $1,103,000 | 2,019 |
| Income before extraordinary items | $2,462,000 | 2,454 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,462,000 | 2,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,275 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,460,620 | 2,405 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,476,000 | 2,498 |
| Total interest expense | $3,289,000 | 1,825 |
| Net interest income | $5,187,000 | 2,898 |
| Provision for loan and lease losses | $305,000 | 2,238 |
| Total noninterest income | $134,000 | 7,389 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $54,000 | 6,965 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $80,000 | 6,308 |
| Total noninterest expense | $2,607,000 | 4,166 |
| Salaries and employee benefits | $1,157,000 | 4,798 |
| Premises and equipment expense | $618,000 | 2,712 |
| Additional noninterest expense | $832,000 | 3,966 |
| Pre-tax net operating income | $2,409,000 | 2,468 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $728,000 | 2,249 |
| Income before extraordinary items | $1,681,000 | 2,696 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,681,000 | 2,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,049 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,681,000 | 2,635 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,505,000 | 2,541 |
| Total interest expense | $2,135,000 | 1,856 |
| Net interest income | $3,370,000 | 2,963 |
| Provision for loan and lease losses | $195,000 | 2,252 |
| Total noninterest income | $91,000 | 7,393 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $37,000 | 6,947 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $54,000 | 6,302 |
| Total noninterest expense | $1,734,000 | 4,187 |
| Salaries and employee benefits | $767,000 | 4,859 |
| Premises and equipment expense | $430,000 | 2,607 |
| Additional noninterest expense | $537,000 | 4,092 |
| Pre-tax net operating income | $1,532,000 | 2,545 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $448,000 | 2,376 |
| Income before extraordinary items | $1,084,000 | 2,748 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,084,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,546 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,084,000 | 2,667 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,700,000 | 2,585 |
| Total interest expense | $1,082,000 | 1,849 |
| Net interest income | $1,618,000 | 3,060 |
| Provision for loan and lease losses | $100,000 | 2,105 |
| Total noninterest income | $46,000 | 7,355 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $19,000 | 6,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $27,000 | 6,301 |
| Total noninterest expense | $893,000 | 4,115 |
| Salaries and employee benefits | $402,000 | 4,720 |
| Premises and equipment expense | $224,000 | 2,534 |
| Additional noninterest expense | $267,000 | 4,103 |
| Pre-tax net operating income | $671,000 | 2,792 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $181,000 | 2,741 |
| Income before extraordinary items | $490,000 | 2,989 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $490,000 | 2,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 1,747 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $490,000 | 2,884 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,486,000 | 2,694 |
| Total interest expense | $4,355,000 | 2,043 |
| Net interest income | $6,131,000 | 3,126 |
| Provision for loan and lease losses | $450,000 | 2,353 |
| Total noninterest income | $157,000 | 7,731 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $83,000 | 6,840 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $74,000 | 6,997 |
| Total noninterest expense | $3,242,000 | 4,370 |
| Salaries and employee benefits | $1,358,000 | 5,191 |
| Premises and equipment expense | $810,000 | 2,730 |
| Additional noninterest expense | $1,074,000 | 4,044 |
| Pre-tax net operating income | $2,596,000 | 2,805 |
| Securities gains (losses) | $92,000 | 1,970 |
| Applicable income taxes | $422,000 | 3,673 |
| Income before extraordinary items | $2,266,000 | 2,594 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,266,000 | 2,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,936 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,188,720 | 2,547 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,734,000 | 2,791 |
| Total interest expense | $3,299,000 | 2,107 |
| Net interest income | $4,435,000 | 3,238 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $101,000 | 8,008 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $64,000 | 6,860 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $37,000 | 7,602 |
| Total noninterest expense | $2,398,000 | 4,399 |
| Salaries and employee benefits | $1,029,000 | 5,156 |
| Premises and equipment expense | $604,000 | 2,754 |
| Additional noninterest expense | $765,000 | 4,191 |
| Pre-tax net operating income | $1,868,000 | 2,989 |
| Securities gains (losses) | $92,000 | 1,828 |
| Applicable income taxes | $377,000 | 3,507 |
| Income before extraordinary items | $1,583,000 | 2,846 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,583,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,249 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,508,480 | 2,804 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,128,000 | 2,819 |
| Total interest expense | $2,235,000 | 2,143 |
| Net interest income | $2,893,000 | 3,300 |
| Provision for loan and lease losses | $160,000 | 2,893 |
| Total noninterest income | $66,000 | 8,031 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $15,000 | 7,804 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $51,000 | 6,530 |
| Total noninterest expense | $1,548,000 | 4,482 |
| Salaries and employee benefits | $677,000 | 5,204 |
| Premises and equipment expense | $375,000 | 2,922 |
| Additional noninterest expense | $496,000 | 4,272 |
| Pre-tax net operating income | $1,251,000 | 2,980 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $215,000 | 3,820 |
| Income before extraordinary items | $1,036,000 | 2,897 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,036,000 | 2,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,036,000 | 2,737 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,467,000 | 2,954 |
| Total interest expense | $1,088,000 | 2,242 |
| Net interest income | $1,379,000 | 3,405 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $47,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 6,104 |
| Total noninterest expense | $796,000 | 4,386 |
| Salaries and employee benefits | $361,000 | 4,970 |
| Premises and equipment expense | $187,000 | 2,921 |
| Additional noninterest expense | $248,000 | 4,243 |
| Pre-tax net operating income | $555,000 | 3,264 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $100,000 | 3,933 |
| Income before extraordinary items | $455,000 | 3,144 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $455,000 | 3,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $455,000 | 2,986 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,001,000 | 3,295 |
| Total interest expense | $4,334,000 | 2,565 |
| Net interest income | $4,667,000 | 3,865 |
| Provision for loan and lease losses | $274,000 | 3,659 |
| Total noninterest income | $147,000 | 7,863 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $34,000 | 7,795 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $113,000 | 6,196 |
| Total noninterest expense | $2,890,000 | 4,577 |
| Salaries and employee benefits | $1,263,000 | 5,289 |
| Premises and equipment expense | $700,000 | 3,000 |
| Additional noninterest expense | $927,000 | 4,439 |
| Pre-tax net operating income | $1,650,000 | 3,859 |
| Securities gains (losses) | $156,000 | 1,348 |
| Applicable income taxes | $394,000 | 3,912 |
| Income before extraordinary items | $1,412,000 | 3,653 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,412,000 | 3,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,290,320 | 3,797 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,833,000 | 4,084 |
| Total interest expense | $4,241,000 | 3,625 |
| Net interest income | $3,592,000 | 4,481 |
| Provision for loan and lease losses | $144,000 | 4,879 |
| Total noninterest income | $211,000 | 7,197 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $38,000 | 7,831 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $173,000 | 5,234 |
| Total noninterest expense | $2,617,000 | 4,808 |
| Salaries and employee benefits | $1,180,000 | 5,392 |
| Premises and equipment expense | $602,000 | 3,340 |
| Additional noninterest expense | $835,000 | 4,656 |
| Pre-tax net operating income | $1,042,000 | 4,809 |
| Securities gains (losses) | $145,000 | 1,430 |
| Applicable income taxes | $-123,000 | 9,297 |
| Income before extraordinary items | $1,310,000 | 3,565 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,310,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $135,000 | 5,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,165,000 | 3,757 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,412,000 | 4,874 |
| Total interest expense | $3,431,000 | 4,454 |
| Net interest income | $2,981,000 | 5,182 |
| Provision for loan and lease losses | $134,000 | 4,637 |
| Total noninterest income | $296,000 | 6,340 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 7,880 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $257,000 | 4,239 |
| Total noninterest expense | $2,355,000 | 5,062 |
| Salaries and employee benefits | $1,030,000 | 5,799 |
| Premises and equipment expense | $516,000 | 3,701 |
| Additional noninterest expense | $809,000 | 4,698 |
| Pre-tax net operating income | $788,000 | 5,908 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $110,000 | 6,390 |
| Income before extraordinary items | $678,000 | 5,494 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $678,000 | 5,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,844,000 | 378 |
| Net operating income | $678,000 | 5,499 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,289,000 | 6,109 |
| Total interest expense | $2,339,000 | 5,435 |
| Net interest income | $1,950,000 | 6,734 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $238,000 | 7,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 5,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,335 |
| Total noninterest expense | $1,777,000 | 6,122 |
| Salaries and employee benefits | $791,000 | 6,788 |
| Premises and equipment expense | $436,000 | 4,228 |
| Additional noninterest expense | $550,000 | 6,150 |
| Pre-tax net operating income | $351,000 | 7,833 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $351,000 | 7,281 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $351,000 | 7,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,586 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,591,000 | 325 |
| Net operating income | $351,000 | 7,254 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,243,000 | 7,244 |
| Total interest expense | $1,674,000 | 6,821 |
| Net interest income | $1,569,000 | 7,537 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $202,000 | 7,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 7,707 |
| Total noninterest expense | $1,491,000 | 6,730 |
| Salaries and employee benefits | $603,000 | 7,745 |
| Premises and equipment expense | $289,000 | 5,493 |
| Additional noninterest expense | $599,000 | 5,764 |
| Pre-tax net operating income | $250,000 | 8,665 |
| Securities gains (losses) | $52,000 | 1,697 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $302,000 | 7,870 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $302,000 | 7,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 10,001 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $2,588,000 | 356 |
| Net operating income | $250,000 | 8,176 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 8,584 |
| Total interest expense | $1,158,000 | 8,235 |
| Net interest income | $1,185,000 | 8,714 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 6,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,946 |
| Total noninterest expense | $1,267,000 | 7,460 |
| Salaries and employee benefits | $566,000 | 8,148 |
| Premises and equipment expense | $317,000 | 5,258 |
| Additional noninterest expense | $384,000 | 7,493 |
| Pre-tax net operating income | $102,000 | 10,057 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $102,000 | 9,948 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $102,000 | 9,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $102,000 | 9,904 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,557,000 | 10,032 |
| Total interest expense | $708,000 | 9,940 |
| Net interest income | $849,000 | 9,962 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $214,000 | 8,035 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 7,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,703 |
| Total noninterest expense | $1,283,000 | 7,711 |
| Salaries and employee benefits | $435,000 | 9,361 |
| Premises and equipment expense | $366,000 | 4,870 |
| Additional noninterest expense | $472,000 | 7,277 |
| Pre-tax net operating income | $-220,000 | 11,086 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-222,000 | 11,124 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-222,000 | 11,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-220,000 | 11,080 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,457,000 | 10,602 |
| Total interest expense | $631,000 | 10,563 |
| Net interest income | $826,000 | 10,458 |
| Provision for loan and lease losses | $48,000 | 6,309 |
| Total noninterest income | $159,000 | 9,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,028 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,525 |
| Total noninterest expense | $1,267,000 | 7,960 |
| Salaries and employee benefits | $381,000 | 10,082 |
| Premises and equipment expense | $246,000 | 6,416 |
| Additional noninterest expense | $640,000 | 6,258 |
| Pre-tax net operating income | $-330,000 | 11,739 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-319,000 | 11,747 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-319,000 | 11,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-330,000 | 11,742 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,151,000 | 11,443 |
| Total interest expense | $456,000 | 11,298 |
| Net interest income | $695,000 | 11,396 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $204,000 | 8,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 6,839 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,512 |
| Total noninterest expense | $1,381,000 | 7,975 |
| Salaries and employee benefits | $325,000 | 10,970 |
| Premises and equipment expense | $239,000 | 6,704 |
| Additional noninterest expense | $817,000 | 5,603 |
| Pre-tax net operating income | $-500,000 | 12,385 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-502,000 | 12,353 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-502,000 | 12,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,946 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-500,000 | 12,361 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $972,000 | 12,347 |
| Total interest expense | $426,000 | 12,097 |
| Net interest income | $546,000 | 12,405 |
| Provision for loan and lease losses | $-25,000 | 12,616 |
| Total noninterest income | $173,000 | 9,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,733 |
| Total noninterest expense | $1,035,000 | 9,581 |
| Salaries and employee benefits | $361,000 | 11,042 |
| Premises and equipment expense | $227,000 | 7,148 |
| Additional noninterest expense | $447,000 | 8,754 |
| Pre-tax net operating income | $-291,000 | 12,760 |
| Securities gains (losses) | $37,000 | 3,837 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-254,000 | 12,795 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-254,000 | 12,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 12,066 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-291,000 | 12,745 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $996,000 | 13,032 |
| Total interest expense | $418,000 | 13,119 |
| Net interest income | $578,000 | 12,813 |
| Provision for loan and lease losses | $216,000 | 5,027 |
| Total noninterest income | $144,000 | 10,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,703 |
| Total noninterest expense | $1,032,000 | 9,841 |
| Salaries and employee benefits | $242,000 | 12,692 |
| Premises and equipment expense | $156,000 | 8,945 |
| Additional noninterest expense | $634,000 | 7,224 |
| Pre-tax net operating income | $-526,000 | 13,305 |
| Securities gains (losses) | $36,000 | 4,684 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-490,000 | 13,378 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-490,000 | 13,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 3,660 |
| Cash dividends | $23,000 | 8,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-526,000 | 13,290 |
* 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.