Home > Minnwest Bank Ortonville > Income and Expense
Minnwest Bank Ortonville, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,569,000 | 4,919 |
| Total interest expense | $3,183,000 | 4,621 |
| Net interest income | $3,386,000 | 5,148 |
| Provision for loan and lease losses | $-430,000 | 8,481 |
| Total noninterest income | $265,000 | 6,274 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $207,000 | 4,836 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $58,000 | 6,934 |
| Total noninterest expense | $1,669,000 | 6,659 |
| Salaries and employee benefits | $904,000 | 6,686 |
| Premises and equipment expense | $117,000 | 7,580 |
| Additional noninterest expense | $648,000 | 5,941 |
| Pre-tax net operating income | $2,412,000 | 2,911 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $915,000 | 1,966 |
| Income before extraordinary items | $1,497,000 | 3,457 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,497,000 | 3,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,733 |
| Cash dividends | $1,000,000 | 2,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,497,000 | 3,445 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,873,000 | 4,973 |
| Total interest expense | $2,376,000 | 4,639 |
| Net interest income | $2,497,000 | 5,219 |
| Provision for loan and lease losses | $-130,000 | 8,447 |
| Total noninterest income | $193,000 | 6,372 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $149,000 | 4,941 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $44,000 | 6,951 |
| Total noninterest expense | $1,241,000 | 6,670 |
| Salaries and employee benefits | $664,000 | 6,715 |
| Premises and equipment expense | $89,000 | 7,542 |
| Additional noninterest expense | $488,000 | 5,876 |
| Pre-tax net operating income | $1,579,000 | 3,359 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $595,000 | 2,300 |
| Income before extraordinary items | $984,000 | 3,930 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $984,000 | 3,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,110 |
| Cash dividends | $1,000,000 | 1,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $984,000 | 3,914 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,228,000 | 5,019 |
| Total interest expense | $1,537,000 | 4,716 |
| Net interest income | $1,691,000 | 5,189 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $129,000 | 6,407 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $96,000 | 5,023 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $33,000 | 6,866 |
| Total noninterest expense | $824,000 | 6,737 |
| Salaries and employee benefits | $441,000 | 6,776 |
| Premises and equipment expense | $60,000 | 7,569 |
| Additional noninterest expense | $323,000 | 5,917 |
| Pre-tax net operating income | $981,000 | 3,576 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $368,000 | 2,490 |
| Income before extraordinary items | $613,000 | 4,123 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $613,000 | 4,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,108 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $613,000 | 4,113 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,582,000 | 5,067 |
| Total interest expense | $737,000 | 4,834 |
| Net interest income | $845,000 | 5,199 |
| Provision for loan and lease losses | $8,000 | 5,190 |
| Total noninterest income | $72,000 | 6,185 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $44,000 | 5,130 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $436,000 | 6,629 |
| Salaries and employee benefits | $247,000 | 6,549 |
| Premises and equipment expense | $29,000 | 7,638 |
| Additional noninterest expense | $160,000 | 5,927 |
| Pre-tax net operating income | $473,000 | 3,651 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $176,000 | 2,572 |
| Income before extraordinary items | $297,000 | 4,198 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $297,000 | 4,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,237 |
| Cash dividends | $1,000,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $297,000 | 4,179 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,102,000 | 4,955 |
| Total interest expense | $2,650,000 | 4,667 |
| Net interest income | $3,452,000 | 5,095 |
| Provision for loan and lease losses | $68,000 | 5,202 |
| Total noninterest income | $274,000 | 6,352 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $234,000 | 4,655 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $40,000 | 7,480 |
| Total noninterest expense | $1,783,000 | 6,470 |
| Salaries and employee benefits | $985,000 | 6,446 |
| Premises and equipment expense | $144,000 | 7,329 |
| Additional noninterest expense | $654,000 | 5,827 |
| Pre-tax net operating income | $1,875,000 | 3,785 |
| Securities gains (losses) | $3,000 | 1,365 |
| Applicable income taxes | $682,000 | 2,706 |
| Income before extraordinary items | $1,196,000 | 4,290 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,196,000 | 4,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,380 |
| Cash dividends | $700,000 | 3,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,194,080 | 4,273 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,557,000 | 4,944 |
| Total interest expense | $1,925,000 | 4,667 |
| Net interest income | $2,632,000 | 5,081 |
| Provision for loan and lease losses | $68,000 | 4,698 |
| Total noninterest income | $214,000 | 6,331 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $183,000 | 4,588 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,477 |
| Total noninterest expense | $1,351,000 | 6,443 |
| Salaries and employee benefits | $742,000 | 6,435 |
| Premises and equipment expense | $113,000 | 7,267 |
| Additional noninterest expense | $496,000 | 5,796 |
| Pre-tax net operating income | $1,427,000 | 3,906 |
| Securities gains (losses) | $3,000 | 1,123 |
| Applicable income taxes | $520,000 | 2,808 |
| Income before extraordinary items | $910,000 | 4,390 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $910,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $700,000 | 2,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $908,080 | 4,387 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,946,000 | 5,012 |
| Total interest expense | $1,203,000 | 4,705 |
| Net interest income | $1,743,000 | 5,125 |
| Provision for loan and lease losses | $45,000 | 4,580 |
| Total noninterest income | $152,000 | 6,210 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $131,000 | 4,411 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,503 |
| Total noninterest expense | $893,000 | 6,499 |
| Salaries and employee benefits | $484,000 | 6,518 |
| Premises and equipment expense | $77,000 | 7,257 |
| Additional noninterest expense | $332,000 | 5,772 |
| Pre-tax net operating income | $957,000 | 3,897 |
| Securities gains (losses) | $3,000 | 925 |
| Applicable income taxes | $350,000 | 2,828 |
| Income before extraordinary items | $610,000 | 4,401 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $610,000 | 4,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $700,000 | 1,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $608,080 | 4,403 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,437,000 | 5,029 |
| Total interest expense | $559,000 | 4,795 |
| Net interest income | $878,000 | 5,111 |
| Provision for loan and lease losses | $23,000 | 4,400 |
| Total noninterest income | $77,000 | 6,154 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $63,000 | 4,435 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,173 |
| Total noninterest expense | $464,000 | 6,385 |
| Salaries and employee benefits | $258,000 | 6,376 |
| Premises and equipment expense | $44,000 | 7,013 |
| Additional noninterest expense | $162,000 | 5,824 |
| Pre-tax net operating income | $468,000 | 3,899 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $169,000 | 2,858 |
| Income before extraordinary items | $299,000 | 4,430 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $299,000 | 4,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $700,000 | 1,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $299,000 | 4,417 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,176,000 | 5,047 |
| Total interest expense | $1,847,000 | 4,673 |
| Net interest income | $3,329,000 | 5,161 |
| Provision for loan and lease losses | $42,000 | 5,929 |
| Total noninterest income | $281,000 | 6,449 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $247,000 | 4,597 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $34,000 | 7,758 |
| Total noninterest expense | $1,773,000 | 6,432 |
| Salaries and employee benefits | $977,000 | 6,409 |
| Premises and equipment expense | $164,000 | 7,123 |
| Additional noninterest expense | $632,000 | 5,890 |
| Pre-tax net operating income | $1,795,000 | 3,961 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $641,000 | 2,969 |
| Income before extraordinary items | $1,154,000 | 4,445 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,154,000 | 4,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,154,000 | 4,408 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,795,000 | 5,082 |
| Total interest expense | $1,313,000 | 4,687 |
| Net interest income | $2,482,000 | 5,198 |
| Provision for loan and lease losses | $42,000 | 5,513 |
| Total noninterest income | $211,000 | 6,494 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $187,000 | 4,607 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $24,000 | 7,836 |
| Total noninterest expense | $1,350,000 | 6,401 |
| Salaries and employee benefits | $753,000 | 6,340 |
| Premises and equipment expense | $131,000 | 6,988 |
| Additional noninterest expense | $466,000 | 5,919 |
| Pre-tax net operating income | $1,301,000 | 4,115 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $463,000 | 3,080 |
| Income before extraordinary items | $838,000 | 4,636 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $838,000 | 4,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,995 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $838,000 | 4,596 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,427,000 | 5,157 |
| Total interest expense | $804,000 | 4,769 |
| Net interest income | $1,623,000 | 5,256 |
| Provision for loan and lease losses | $42,000 | 4,804 |
| Total noninterest income | $133,000 | 6,569 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $121,000 | 4,629 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $12,000 | 8,048 |
| Total noninterest expense | $889,000 | 6,429 |
| Salaries and employee benefits | $497,000 | 6,360 |
| Premises and equipment expense | $88,000 | 6,964 |
| Additional noninterest expense | $304,000 | 5,956 |
| Pre-tax net operating income | $825,000 | 4,219 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $293,000 | 3,144 |
| Income before extraordinary items | $532,000 | 4,729 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $532,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $532,000 | 4,678 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,164,000 | 5,276 |
| Total interest expense | $365,000 | 4,936 |
| Net interest income | $799,000 | 5,329 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $63,000 | 6,658 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $62,000 | 4,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $436,000 | 6,524 |
| Salaries and employee benefits | $241,000 | 6,482 |
| Premises and equipment expense | $45,000 | 6,980 |
| Additional noninterest expense | $150,000 | 6,007 |
| Pre-tax net operating income | $405,000 | 4,245 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $143,000 | 3,181 |
| Income before extraordinary items | $262,000 | 4,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $262,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $262,000 | 4,693 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,369,000 | 5,280 |
| Total interest expense | $1,253,000 | 4,997 |
| Net interest income | $3,116,000 | 5,297 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $339,000 | 6,151 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $224,000 | 4,977 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $115,000 | 6,174 |
| Total noninterest expense | $1,705,000 | 6,530 |
| Salaries and employee benefits | $966,000 | 6,391 |
| Premises and equipment expense | $177,000 | 7,006 |
| Additional noninterest expense | $562,000 | 6,201 |
| Pre-tax net operating income | $1,650,000 | 4,007 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $604,000 | 3,020 |
| Income before extraordinary items | $1,046,000 | 4,569 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,046,000 | 4,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,544 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,046,000 | 4,494 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 5,326 |
| Total interest expense | $906,000 | 5,067 |
| Net interest income | $2,297,000 | 5,337 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $276,000 | 6,015 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $171,000 | 4,982 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $105,000 | 5,832 |
| Total noninterest expense | $1,232,000 | 6,595 |
| Salaries and employee benefits | $669,000 | 6,602 |
| Premises and equipment expense | $134,000 | 6,969 |
| Additional noninterest expense | $429,000 | 6,093 |
| Pre-tax net operating income | $1,251,000 | 4,052 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $463,000 | 3,041 |
| Income before extraordinary items | $788,000 | 4,665 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $788,000 | 4,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,522 |
| Cash dividends | $500,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $788,000 | 4,581 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,136,000 | 5,339 |
| Total interest expense | $583,000 | 5,190 |
| Net interest income | $1,553,000 | 5,295 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $150,000 | 6,460 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $113,000 | 4,994 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $37,000 | 6,933 |
| Total noninterest expense | $808,000 | 6,682 |
| Salaries and employee benefits | $441,000 | 6,683 |
| Premises and equipment expense | $88,000 | 7,035 |
| Additional noninterest expense | $279,000 | 6,195 |
| Pre-tax net operating income | $835,000 | 4,001 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $311,000 | 3,023 |
| Income before extraordinary items | $524,000 | 4,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $524,000 | 4,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,550 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $524,000 | 4,527 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,036,000 | 5,462 |
| Total interest expense | $283,000 | 5,349 |
| Net interest income | $753,000 | 5,404 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $62,000 | 6,798 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $49,000 | 5,252 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $13,000 | 7,451 |
| Total noninterest expense | $432,000 | 6,537 |
| Salaries and employee benefits | $218,000 | 6,747 |
| Premises and equipment expense | $47,000 | 6,927 |
| Additional noninterest expense | $167,000 | 5,659 |
| Pre-tax net operating income | $353,000 | 4,415 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $131,000 | 3,339 |
| Income before extraordinary items | $222,000 | 5,068 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $222,000 | 5,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,673 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $222,000 | 4,937 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,179,000 | 5,488 |
| Total interest expense | $1,333,000 | 5,253 |
| Net interest income | $2,846,000 | 5,472 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $281,000 | 6,721 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $221,000 | 5,043 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $60,000 | 7,309 |
| Total noninterest expense | $1,596,000 | 6,724 |
| Salaries and employee benefits | $894,000 | 6,611 |
| Premises and equipment expense | $164,000 | 7,207 |
| Additional noninterest expense | $538,000 | 6,330 |
| Pre-tax net operating income | $1,411,000 | 4,286 |
| Securities gains (losses) | $-9,000 | 8,769 |
| Applicable income taxes | $519,000 | 3,308 |
| Income before extraordinary items | $883,000 | 4,983 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $883,000 | 4,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,094 |
| Cash dividends | $800,000 | 2,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $888,760 | 4,800 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,137,000 | 5,542 |
| Total interest expense | $1,026,000 | 5,299 |
| Net interest income | $2,111,000 | 5,545 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $205,000 | 6,821 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $171,000 | 4,995 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,000 | 7,714 |
| Total noninterest expense | $1,172,000 | 6,770 |
| Salaries and employee benefits | $648,000 | 6,710 |
| Premises and equipment expense | $123,000 | 7,226 |
| Additional noninterest expense | $401,000 | 6,330 |
| Pre-tax net operating income | $1,054,000 | 4,416 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $387,000 | 3,472 |
| Income before extraordinary items | $667,000 | 5,122 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $667,000 | 5,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,943 |
| Cash dividends | $800,000 | 1,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $667,000 | 4,935 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,078,000 | 5,609 |
| Total interest expense | $710,000 | 5,296 |
| Net interest income | $1,368,000 | 5,623 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $139,000 | 6,788 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $115,000 | 4,936 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $24,000 | 7,615 |
| Total noninterest expense | $793,000 | 6,741 |
| Salaries and employee benefits | $438,000 | 6,688 |
| Premises and equipment expense | $82,000 | 7,238 |
| Additional noninterest expense | $273,000 | 6,267 |
| Pre-tax net operating income | $654,000 | 4,613 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $241,000 | 3,619 |
| Income before extraordinary items | $413,000 | 5,310 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $413,000 | 5,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,471 |
| Cash dividends | $800,000 | 1,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $413,000 | 5,109 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,060,000 | 5,579 |
| Total interest expense | $374,000 | 5,236 |
| Net interest income | $686,000 | 5,612 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $65,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $57,000 | 4,884 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $387,000 | 6,817 |
| Salaries and employee benefits | $201,000 | 6,970 |
| Premises and equipment expense | $44,000 | 7,119 |
| Additional noninterest expense | $142,000 | 6,123 |
| Pre-tax net operating income | $334,000 | 4,511 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $123,000 | 3,577 |
| Income before extraordinary items | $211,000 | 5,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,620 |
| Cash dividends | $800,000 | 820 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $211,000 | 5,000 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,787,000 | 5,321 |
| Total interest expense | $1,892,000 | 4,994 |
| Net interest income | $2,895,000 | 5,390 |
| Provision for loan and lease losses | $114,000 | 5,508 |
| Total noninterest income | $352,000 | 6,087 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $298,000 | 4,251 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $54,000 | 7,501 |
| Total noninterest expense | $1,593,000 | 6,666 |
| Salaries and employee benefits | $849,000 | 6,703 |
| Premises and equipment expense | $181,000 | 7,015 |
| Additional noninterest expense | $563,000 | 6,143 |
| Pre-tax net operating income | $1,540,000 | 4,040 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $576,000 | 3,186 |
| Income before extraordinary items | $964,000 | 4,695 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $964,000 | 4,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 3,083 |
| Cash dividends | $800,000 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $964,000 | 4,574 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,375,000 | 5,361 |
| Total interest expense | $2,611,000 | 5,257 |
| Net interest income | $2,764,000 | 5,362 |
| Provision for loan and lease losses | $114,000 | 5,391 |
| Total noninterest income | $385,000 | 5,783 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $248,000 | 4,660 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $137,000 | 5,711 |
| Total noninterest expense | $1,534,000 | 6,725 |
| Salaries and employee benefits | $865,000 | 6,519 |
| Premises and equipment expense | $167,000 | 7,259 |
| Additional noninterest expense | $502,000 | 6,423 |
| Pre-tax net operating income | $1,501,000 | 3,859 |
| Securities gains (losses) | $47,000 | 2,415 |
| Applicable income taxes | $577,000 | 3,040 |
| Income before extraordinary items | $971,000 | 4,354 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $971,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,455 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $940,920 | 4,327 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,388,000 | 5,463 |
| Total interest expense | $2,811,000 | 5,169 |
| Net interest income | $2,577,000 | 5,691 |
| Provision for loan and lease losses | $100,000 | 5,274 |
| Total noninterest income | $263,000 | 6,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 4,950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 7,773 |
| Total noninterest expense | $1,378,000 | 7,048 |
| Salaries and employee benefits | $755,000 | 6,944 |
| Premises and equipment expense | $169,000 | 7,263 |
| Additional noninterest expense | $454,000 | 6,743 |
| Pre-tax net operating income | $1,362,000 | 4,366 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $491,000 | 3,525 |
| Income before extraordinary items | $871,000 | 4,782 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $871,000 | 4,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,361 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $871,000 | 4,787 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,478,000 | 5,955 |
| Total interest expense | $2,218,000 | 5,619 |
| Net interest income | $2,260,000 | 6,165 |
| Provision for loan and lease losses | $75,000 | 5,766 |
| Total noninterest income | $259,000 | 6,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,661 |
| Total noninterest expense | $1,213,000 | 7,532 |
| Salaries and employee benefits | $630,000 | 7,591 |
| Premises and equipment expense | $143,000 | 7,784 |
| Additional noninterest expense | $440,000 | 6,973 |
| Pre-tax net operating income | $1,231,000 | 4,694 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $471,000 | 3,757 |
| Income before extraordinary items | $760,000 | 5,234 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $760,000 | 5,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,050 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $760,000 | 5,202 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,372,000 | 6,165 |
| Total interest expense | $2,289,000 | 5,676 |
| Net interest income | $2,083,000 | 6,518 |
| Provision for loan and lease losses | $108,000 | 4,961 |
| Total noninterest income | $254,000 | 6,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,226 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 7,800 |
| Total noninterest expense | $1,347,000 | 7,110 |
| Salaries and employee benefits | $614,000 | 7,676 |
| Premises and equipment expense | $119,000 | 8,292 |
| Additional noninterest expense | $614,000 | 5,659 |
| Pre-tax net operating income | $882,000 | 5,800 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $318,000 | 5,018 |
| Income before extraordinary items | $564,000 | 6,242 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $564,000 | 6,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $564,000 | 6,127 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,960,000 | 6,700 |
| Total interest expense | $2,017,000 | 6,234 |
| Net interest income | $1,943,000 | 7,037 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $233,000 | 7,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,391 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $1,056,000 | 8,150 |
| Salaries and employee benefits | $587,000 | 8,003 |
| Premises and equipment expense | $98,000 | 9,012 |
| Additional noninterest expense | $371,000 | 7,614 |
| Pre-tax net operating income | $1,050,000 | 5,679 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $396,000 | 4,911 |
| Income before extraordinary items | $654,000 | 6,093 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $654,000 | 6,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $654,000 | 6,050 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,776,000 | 7,081 |
| Total interest expense | $1,887,000 | 6,652 |
| Net interest income | $1,889,000 | 7,373 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $236,000 | 7,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,888 |
| Total noninterest expense | $1,035,000 | 8,546 |
| Salaries and employee benefits | $550,000 | 8,488 |
| Premises and equipment expense | $101,000 | 9,258 |
| Additional noninterest expense | $384,000 | 8,017 |
| Pre-tax net operating income | $970,000 | 5,840 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $390,000 | 4,962 |
| Income before extraordinary items | $580,000 | 6,398 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $580,000 | 6,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,357 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $580,000 | 6,327 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,340,000 | 7,753 |
| Total interest expense | $1,746,000 | 7,024 |
| Net interest income | $1,594,000 | 8,269 |
| Provision for loan and lease losses | $94,000 | 4,768 |
| Total noninterest income | $195,000 | 8,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 7,092 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,550 |
| Total noninterest expense | $942,000 | 9,196 |
| Salaries and employee benefits | $491,000 | 9,188 |
| Premises and equipment expense | $77,000 | 10,293 |
| Additional noninterest expense | $374,000 | 8,459 |
| Pre-tax net operating income | $753,000 | 7,039 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $302,000 | 5,973 |
| Income before extraordinary items | $451,000 | 7,631 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $451,000 | 7,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $451,000 | 7,597 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,737,000 | 8,488 |
| Total interest expense | $1,165,000 | 8,041 |
| Net interest income | $1,572,000 | 8,663 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $204,000 | 8,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 7,131 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 8,924 |
| Total noninterest expense | $869,000 | 9,911 |
| Salaries and employee benefits | $450,000 | 9,832 |
| Premises and equipment expense | $66,000 | 11,093 |
| Additional noninterest expense | $353,000 | 9,309 |
| Pre-tax net operating income | $907,000 | 6,362 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $365,000 | 5,096 |
| Income before extraordinary items | $542,000 | 6,985 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $542,000 | 6,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 11,755 |
| Cash dividends | $355,000 | 4,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $542,000 | 7,035 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,572,000 | 9,056 |
| Total interest expense | $1,127,000 | 8,570 |
| Net interest income | $1,445,000 | 9,292 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $209,000 | 9,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $860,000 | 10,390 |
| Salaries and employee benefits | $409,000 | 10,544 |
| Premises and equipment expense | $79,000 | 11,181 |
| Additional noninterest expense | $372,000 | 9,572 |
| Pre-tax net operating income | $782,000 | 6,910 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $305,000 | 6,010 |
| Income before extraordinary items | $477,000 | 7,721 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $477,000 | 7,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $247,000 | 4,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $477,000 | 7,474 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,804,000 | 9,319 |
| Total interest expense | $1,347,000 | 9,048 |
| Net interest income | $1,457,000 | 9,421 |
| Provision for loan and lease losses | $33,000 | 9,854 |
| Total noninterest income | $225,000 | 8,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 7,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 8,250 |
| Total noninterest expense | $845,000 | 10,781 |
| Salaries and employee benefits | $414,000 | 10,690 |
| Premises and equipment expense | $75,000 | 11,682 |
| Additional noninterest expense | $356,000 | 10,116 |
| Pre-tax net operating income | $804,000 | 6,543 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $309,000 | 5,805 |
| Income before extraordinary items | $495,000 | 7,379 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $495,000 | 7,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 6,088 |
| Cash dividends | $213,000 | 4,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $495,000 | 6,989 |
* 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.