Home > Superior Savings of New England > Income and Expense
Superior Savings of New England, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $52,411,000 | 796 |
| Total interest expense | $36,449,000 | 553 |
| Net interest income | $15,962,000 | 1,406 |
| Provision for loan and lease losses | $6,363,000 | 342 |
| Total noninterest income | $219,000 | 6,616 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $172,000 | 5,188 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $47,000 | 7,155 |
| Total noninterest expense | $2,771,000 | 5,260 |
| Salaries and employee benefits | $996,000 | 6,440 |
| Premises and equipment expense | $608,000 | 3,804 |
| Additional noninterest expense | $1,167,000 | 4,154 |
| Pre-tax net operating income | $7,047,000 | 1,203 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,516,000 | 920 |
| Income before extraordinary items | $4,531,000 | 1,425 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,531,000 | 1,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,041 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,531,000 | 1,408 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $40,821,000 | 758 |
| Total interest expense | $29,817,000 | 510 |
| Net interest income | $11,004,000 | 1,557 |
| Provision for loan and lease losses | $4,706,000 | 262 |
| Total noninterest income | $168,000 | 6,613 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $133,000 | 5,150 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $35,000 | 7,194 |
| Total noninterest expense | $2,170,000 | 5,093 |
| Salaries and employee benefits | $776,000 | 6,349 |
| Premises and equipment expense | $499,000 | 3,549 |
| Additional noninterest expense | $895,000 | 4,030 |
| Pre-tax net operating income | $4,296,000 | 1,575 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,503,000 | 1,224 |
| Income before extraordinary items | $2,793,000 | 1,805 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,793,000 | 1,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,232 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,793,000 | 1,793 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $27,852,000 | 745 |
| Total interest expense | $21,140,000 | 500 |
| Net interest income | $6,712,000 | 1,716 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $110,000 | 6,684 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $74,000 | 5,482 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $36,000 | 6,751 |
| Total noninterest expense | $1,379,000 | 5,287 |
| Salaries and employee benefits | $540,000 | 6,314 |
| Premises and equipment expense | $334,000 | 3,567 |
| Additional noninterest expense | $505,000 | 4,550 |
| Pre-tax net operating income | $5,443,000 | 887 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,905,000 | 760 |
| Income before extraordinary items | $3,538,000 | 1,024 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,538,000 | 1,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,395 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,538,000 | 1,005 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $14,135,000 | 733 |
| Total interest expense | $10,715,000 | 488 |
| Net interest income | $3,420,000 | 1,681 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $58,000 | 6,588 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $37,000 | 5,442 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $21,000 | 6,540 |
| Total noninterest expense | $683,000 | 5,333 |
| Salaries and employee benefits | $258,000 | 6,461 |
| Premises and equipment expense | $173,000 | 3,492 |
| Additional noninterest expense | $252,000 | 4,512 |
| Pre-tax net operating income | $2,795,000 | 847 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $978,000 | 748 |
| Income before extraordinary items | $1,817,000 | 966 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,817,000 | 965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,992 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,817,000 | 954 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,994,000 | 6,124 |
| Total interest expense | $3,030,000 | 4,300 |
| Net interest income | $964,000 | 7,891 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $16,000 | 8,443 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $11,000 | 7,402 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,000 | 8,389 |
| Total noninterest expense | $285,000 | 8,611 |
| Salaries and employee benefits | $147,000 | 8,601 |
| Premises and equipment expense | $46,000 | 8,392 |
| Additional noninterest expense | $92,000 | 8,578 |
| Pre-tax net operating income | $695,000 | 5,933 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $266,000 | 3,962 |
| Income before extraordinary items | $429,000 | 6,407 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $429,000 | 6,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,822 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $429,000 | 6,411 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $33,619,000 | 862 |
| Total interest expense | $23,276,000 | 551 |
| Net interest income | $10,343,000 | 1,674 |
| Provision for loan and lease losses | $200,000 | 2,859 |
| Total noninterest income | $191,000 | 6,548 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $129,000 | 5,332 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,626 |
| Total noninterest expense | $1,990,000 | 5,284 |
| Salaries and employee benefits | $933,000 | 5,767 |
| Premises and equipment expense | $384,000 | 4,200 |
| Additional noninterest expense | $673,000 | 4,841 |
| Pre-tax net operating income | $8,344,000 | 930 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,194,000 | 754 |
| Income before extraordinary items | $5,150,000 | 1,121 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,150,000 | 1,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,017 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,150,000 | 1,112 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,393,000 | 890 |
| Total interest expense | $15,183,000 | 537 |
| Net interest income | $6,210,000 | 1,873 |
| Provision for loan and lease losses | $200,000 | 2,096 |
| Total noninterest income | $126,000 | 6,576 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $85,000 | 5,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 6,674 |
| Total noninterest expense | $1,357,000 | 5,222 |
| Salaries and employee benefits | $635,000 | 5,724 |
| Premises and equipment expense | $259,000 | 4,184 |
| Additional noninterest expense | $463,000 | 4,729 |
| Pre-tax net operating income | $4,779,000 | 1,062 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,829,000 | 853 |
| Income before extraordinary items | $2,950,000 | 1,262 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,950,000 | 1,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,377 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,950,000 | 1,251 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,292,000 | 1,008 |
| Total interest expense | $6,927,000 | 549 |
| Net interest income | $2,365,000 | 2,431 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $65,000 | 6,474 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $43,000 | 5,250 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $680,000 | 5,226 |
| Salaries and employee benefits | $299,000 | 5,941 |
| Premises and equipment expense | $136,000 | 4,066 |
| Additional noninterest expense | $245,000 | 4,544 |
| Pre-tax net operating income | $1,750,000 | 1,416 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $670,000 | 1,090 |
| Income before extraordinary items | $1,080,000 | 1,660 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,080,000 | 1,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,367 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,080,000 | 1,643 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,919,000 | 1,522 |
| Total interest expense | $13,100,000 | 864 |
| Net interest income | $8,819,000 | 2,475 |
| Provision for loan and lease losses | $50,000 | 5,734 |
| Total noninterest income | $232,000 | 6,813 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $160,000 | 5,502 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $72,000 | 6,898 |
| Total noninterest expense | $2,385,000 | 5,520 |
| Salaries and employee benefits | $1,097,000 | 6,071 |
| Premises and equipment expense | $472,000 | 4,348 |
| Additional noninterest expense | $816,000 | 5,098 |
| Pre-tax net operating income | $6,616,000 | 1,444 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,810,000 | 1,007 |
| Income before extraordinary items | $3,806,000 | 1,810 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,806,000 | 1,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,881 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,806,000 | 1,785 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,860,000 | 1,541 |
| Total interest expense | $8,922,000 | 891 |
| Net interest income | $6,938,000 | 2,365 |
| Provision for loan and lease losses | $50,000 | 5,172 |
| Total noninterest income | $177,000 | 6,823 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $119,000 | 5,541 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $1,814,000 | 5,455 |
| Salaries and employee benefits | $844,000 | 5,942 |
| Premises and equipment expense | $355,000 | 4,325 |
| Additional noninterest expense | $615,000 | 5,036 |
| Pre-tax net operating income | $5,251,000 | 1,367 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,230,000 | 974 |
| Income before extraordinary items | $3,021,000 | 1,744 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,021,000 | 1,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,470 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,021,000 | 1,715 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,653,000 | 1,476 |
| Total interest expense | $5,882,000 | 847 |
| Net interest income | $4,771,000 | 2,271 |
| Provision for loan and lease losses | $50,000 | 4,523 |
| Total noninterest income | $116,000 | 6,819 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $79,000 | 5,503 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $37,000 | 6,911 |
| Total noninterest expense | $1,233,000 | 5,382 |
| Salaries and employee benefits | $579,000 | 5,866 |
| Premises and equipment expense | $238,000 | 4,284 |
| Additional noninterest expense | $416,000 | 4,955 |
| Pre-tax net operating income | $3,604,000 | 1,301 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,531,000 | 935 |
| Income before extraordinary items | $2,073,000 | 1,654 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,073,000 | 1,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,769 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,073,000 | 1,624 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,187,000 | 1,490 |
| Total interest expense | $2,988,000 | 801 |
| Net interest income | $2,199,000 | 2,431 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $61,000 | 6,717 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $40,000 | 5,458 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $620,000 | 5,413 |
| Salaries and employee benefits | $300,000 | 5,779 |
| Premises and equipment expense | $109,000 | 4,578 |
| Additional noninterest expense | $211,000 | 4,905 |
| Pre-tax net operating income | $1,590,000 | 1,435 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $675,000 | 1,038 |
| Income before extraordinary items | $915,000 | 1,851 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $915,000 | 1,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,042 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $915,000 | 1,806 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,559,000 | 1,551 |
| Total interest expense | $8,928,000 | 905 |
| Net interest income | $9,631,000 | 2,115 |
| Provision for loan and lease losses | $300,000 | 2,900 |
| Total noninterest income | $280,000 | 6,553 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $202,000 | 5,197 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $78,000 | 6,806 |
| Total noninterest expense | $2,340,000 | 5,516 |
| Salaries and employee benefits | $1,063,000 | 6,083 |
| Premises and equipment expense | $438,000 | 4,501 |
| Additional noninterest expense | $839,000 | 4,940 |
| Pre-tax net operating income | $7,271,000 | 1,193 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,088,000 | 883 |
| Income before extraordinary items | $4,183,000 | 1,541 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,183,000 | 1,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,579 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,183,000 | 1,494 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,560,000 | 1,573 |
| Total interest expense | $6,146,000 | 966 |
| Net interest income | $7,414,000 | 2,032 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $216,000 | 6,541 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $156,000 | 5,186 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 6,801 |
| Total noninterest expense | $1,723,000 | 5,543 |
| Salaries and employee benefits | $771,000 | 6,147 |
| Premises and equipment expense | $335,000 | 4,420 |
| Additional noninterest expense | $617,000 | 4,966 |
| Pre-tax net operating income | $5,682,000 | 1,163 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,413,000 | 878 |
| Income before extraordinary items | $3,269,000 | 1,500 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,269,000 | 1,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,320 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,269,000 | 1,454 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,997,000 | 1,571 |
| Total interest expense | $4,019,000 | 979 |
| Net interest income | $4,978,000 | 2,002 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $146,000 | 6,528 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $106,000 | 5,146 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $40,000 | 6,793 |
| Total noninterest expense | $1,129,000 | 5,633 |
| Salaries and employee benefits | $515,000 | 6,181 |
| Premises and equipment expense | $229,000 | 4,352 |
| Additional noninterest expense | $385,000 | 5,193 |
| Pre-tax net operating income | $3,845,000 | 1,121 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,633,000 | 860 |
| Income before extraordinary items | $2,212,000 | 1,457 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,212,000 | 1,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,030 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,212,000 | 1,403 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,806,000 | 1,480 |
| Total interest expense | $2,058,000 | 976 |
| Net interest income | $2,748,000 | 1,808 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $71,000 | 6,540 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $51,000 | 5,172 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $20,000 | 6,798 |
| Total noninterest expense | $568,000 | 5,622 |
| Salaries and employee benefits | $262,000 | 6,167 |
| Premises and equipment expense | $119,000 | 4,271 |
| Additional noninterest expense | $187,000 | 5,308 |
| Pre-tax net operating income | $2,176,000 | 991 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $924,000 | 779 |
| Income before extraordinary items | $1,252,000 | 1,292 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,252,000 | 1,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,290 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,252,000 | 1,227 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,981,000 | 1,600 |
| Total interest expense | $8,497,000 | 1,052 |
| Net interest income | $9,484,000 | 2,060 |
| Provision for loan and lease losses | $1,000,000 | 1,181 |
| Total noninterest income | $309,000 | 6,532 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $228,000 | 4,971 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $81,000 | 6,870 |
| Total noninterest expense | $2,464,000 | 5,269 |
| Salaries and employee benefits | $1,053,000 | 6,075 |
| Premises and equipment expense | $564,000 | 3,695 |
| Additional noninterest expense | $847,000 | 4,865 |
| Pre-tax net operating income | $6,329,000 | 1,304 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,688,000 | 1,007 |
| Income before extraordinary items | $3,641,000 | 1,708 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,641,000 | 1,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,809 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,641,000 | 1,623 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,747,000 | 1,711 |
| Total interest expense | $6,350,000 | 1,101 |
| Net interest income | $6,397,000 | 2,284 |
| Provision for loan and lease losses | $700,000 | 1,218 |
| Total noninterest income | $232,000 | 6,578 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $167,000 | 5,048 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $65,000 | 6,817 |
| Total noninterest expense | $1,799,000 | 5,335 |
| Salaries and employee benefits | $792,000 | 6,031 |
| Premises and equipment expense | $412,000 | 3,767 |
| Additional noninterest expense | $595,000 | 5,032 |
| Pre-tax net operating income | $4,130,000 | 1,534 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,754,000 | 1,173 |
| Income before extraordinary items | $2,376,000 | 2,019 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,376,000 | 2,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 1,894 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,376,000 | 1,915 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,332,000 | 1,756 |
| Total interest expense | $4,119,000 | 1,164 |
| Net interest income | $4,213,000 | 2,303 |
| Provision for loan and lease losses | $400,000 | 1,388 |
| Total noninterest income | $152,000 | 6,610 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $109,000 | 5,055 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $43,000 | 6,830 |
| Total noninterest expense | $1,187,000 | 5,362 |
| Salaries and employee benefits | $531,000 | 6,040 |
| Premises and equipment expense | $277,000 | 3,722 |
| Additional noninterest expense | $379,000 | 5,205 |
| Pre-tax net operating income | $2,778,000 | 1,509 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,180,000 | 1,194 |
| Income before extraordinary items | $1,598,000 | 1,990 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,598,000 | 1,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 2,099 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,598,000 | 1,879 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,976,000 | 1,845 |
| Total interest expense | $1,891,000 | 1,292 |
| Net interest income | $2,085,000 | 2,332 |
| Provision for loan and lease losses | $250,000 | 1,115 |
| Total noninterest income | $78,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $606,000 | 5,303 |
| Salaries and employee benefits | $269,000 | 5,991 |
| Premises and equipment expense | $141,000 | 3,672 |
| Additional noninterest expense | $196,000 | 5,029 |
| Pre-tax net operating income | $1,307,000 | 1,611 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $555,000 | 1,249 |
| Income before extraordinary items | $752,000 | 2,080 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $752,000 | 2,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,377 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $752,000 | 1,963 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,319,000 | 1,677 |
| Total interest expense | $8,662,000 | 1,289 |
| Net interest income | $9,657,000 | 2,004 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $308,000 | 6,401 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $220,000 | 4,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $88,000 | 6,695 |
| Total noninterest expense | $2,534,000 | 5,037 |
| Salaries and employee benefits | $1,013,000 | 6,100 |
| Premises and equipment expense | $544,000 | 3,705 |
| Additional noninterest expense | $977,000 | 4,257 |
| Pre-tax net operating income | $7,191,000 | 1,174 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $3,054,000 | 909 |
| Income before extraordinary items | $4,137,000 | 1,495 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,137,000 | 1,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,336 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,137,000 | 1,443 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,790,000 | 2,049 |
| Total interest expense | $11,279,000 | 1,435 |
| Net interest income | $5,511,000 | 3,175 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $303,000 | 6,402 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $200,000 | 5,168 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $103,000 | 6,375 |
| Total noninterest expense | $2,674,000 | 4,733 |
| Salaries and employee benefits | $981,000 | 6,056 |
| Premises and equipment expense | $642,000 | 3,182 |
| Additional noninterest expense | $1,051,000 | 3,899 |
| Pre-tax net operating income | $2,990,000 | 2,272 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,270,000 | 1,734 |
| Income before extraordinary items | $1,720,000 | 2,902 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,720,000 | 2,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,720,000 | 2,815 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,817,000 | 2,715 |
| Total interest expense | $7,692,000 | 2,211 |
| Net interest income | $5,125,000 | 3,402 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $293,000 | 6,365 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $116,000 | 6,289 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $177,000 | 5,078 |
| Total noninterest expense | $1,987,000 | 5,702 |
| Salaries and employee benefits | $783,000 | 6,811 |
| Premises and equipment expense | $376,000 | 4,705 |
| Additional noninterest expense | $828,000 | 4,620 |
| Pre-tax net operating income | $3,401,000 | 2,133 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,444,000 | 1,564 |
| Income before extraordinary items | $1,957,000 | 2,624 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,957,000 | 2,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $10,000,000 | 374 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,957,000 | 2,617 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,432,000 | 1,451 |
| Total interest expense | $17,575,000 | 900 |
| Net interest income | $4,857,000 | 3,536 |
| Provision for loan and lease losses | $90,000 | 5,432 |
| Total noninterest income | $226,000 | 7,186 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $124,000 | 6,281 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $102,000 | 6,585 |
| Total noninterest expense | $2,005,000 | 5,671 |
| Salaries and employee benefits | $883,000 | 6,390 |
| Premises and equipment expense | $354,000 | 4,940 |
| Additional noninterest expense | $768,000 | 4,934 |
| Pre-tax net operating income | $2,988,000 | 2,422 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,269,000 | 1,823 |
| Income before extraordinary items | $1,719,000 | 2,913 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,719,000 | 2,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,719,000 | 2,885 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,786,000 | 2,554 |
| Total interest expense | $8,214,000 | 1,863 |
| Net interest income | $4,572,000 | 3,679 |
| Provision for loan and lease losses | $-2,324,000 | 10,440 |
| Total noninterest income | $6,376,000 | 788 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $309,000 | 3,850 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $6,067,000 | 574 |
| Total noninterest expense | $2,707,000 | 4,498 |
| Salaries and employee benefits | $1,401,000 | 4,499 |
| Premises and equipment expense | $659,000 | 2,926 |
| Additional noninterest expense | $647,000 | 5,467 |
| Pre-tax net operating income | $10,565,000 | 743 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,969,000 | 1,287 |
| Income before extraordinary items | $8,596,000 | 678 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $8,596,000 | 677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $8,596,000 | 650 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,994,000 | 2,334 |
| Total interest expense | $6,155,000 | 2,440 |
| Net interest income | $7,839,000 | 2,240 |
| Provision for loan and lease losses | $275,000 | 2,782 |
| Total noninterest income | $577,000 | 4,536 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $419,000 | 3,105 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $158,000 | 5,563 |
| Total noninterest expense | $9,863,000 | 1,335 |
| Salaries and employee benefits | $5,778,000 | 1,133 |
| Premises and equipment expense | $1,158,000 | 1,688 |
| Additional noninterest expense | $2,927,000 | 1,476 |
| Pre-tax net operating income | $-1,722,000 | 10,889 |
| Securities gains (losses) | $363,000 | 507 |
| Applicable income taxes | $-1,884,000 | 10,901 |
| Income before extraordinary items | $525,000 | 6,829 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $525,000 | 6,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,676,000 | 561 |
| Cash dividends | $525,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $292,680 | 8,391 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,697,000 | 2,439 |
| Total interest expense | $6,149,000 | 2,493 |
| Net interest income | $7,548,000 | 2,386 |
| Provision for loan and lease losses | $625,000 | 1,456 |
| Total noninterest income | $587,000 | 4,637 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $446,000 | 3,037 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $141,000 | 6,154 |
| Total noninterest expense | $5,650,000 | 2,435 |
| Salaries and employee benefits | $3,064,000 | 2,182 |
| Premises and equipment expense | $921,000 | 2,166 |
| Additional noninterest expense | $1,665,000 | 2,860 |
| Pre-tax net operating income | $1,860,000 | 3,610 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $19,000 | 10,217 |
| Income before extraordinary items | $1,841,000 | 2,638 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,841,000 | 2,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 1,824 |
| Cash dividends | $131,000 | 6,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,841,000 | 2,599 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,524,000 | 2,468 |
| Total interest expense | $5,918,000 | 2,591 |
| Net interest income | $7,606,000 | 2,360 |
| Provision for loan and lease losses | $1,200,000 | 822 |
| Total noninterest income | $667,000 | 4,243 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $484,000 | 2,800 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $183,000 | 5,373 |
| Total noninterest expense | $5,913,000 | 2,308 |
| Salaries and employee benefits | $2,730,000 | 2,440 |
| Premises and equipment expense | $837,000 | 2,381 |
| Additional noninterest expense | $2,346,000 | 2,111 |
| Pre-tax net operating income | $1,160,000 | 5,386 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $6,000 | 10,990 |
| Income before extraordinary items | $1,154,000 | 4,081 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,154,000 | 4,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $991,000 | 886 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,154,000 | 4,066 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,709,000 | 2,595 |
| Total interest expense | $5,288,000 | 2,337 |
| Net interest income | $6,421,000 | 2,816 |
| Provision for loan and lease losses | $1,517,000 | 707 |
| Total noninterest income | $961,000 | 3,202 |
| Gross Fiduciary activities income | $222,000 | 990 |
| Service charges on deposit accounts | $464,000 | 2,976 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $275,000 | 4,343 |
| Total noninterest expense | $7,115,000 | 2,009 |
| Salaries and employee benefits | $2,436,000 | 2,731 |
| Premises and equipment expense | $887,000 | 2,273 |
| Additional noninterest expense | $3,792,000 | 1,481 |
| Pre-tax net operating income | $-1,250,000 | 12,480 |
| Securities gains (losses) | $-27,000 | 10,567 |
| Applicable income taxes | $6,000 | 11,474 |
| Income before extraordinary items | $-1,283,000 | 12,452 |
| Extraordinary gains, net | $429,000 | 29 |
| Net income | $-854,000 | 12,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,556,000 | 665 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $10,346,000 | 97 |
| Net operating income | $-1,256,000 | 12,451 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,481,000 | 2,472 |
| Total interest expense | $6,664,000 | 1,950 |
| Net interest income | $5,817,000 | 3,115 |
| Provision for loan and lease losses | $801,000 | 1,513 |
| Total noninterest income | $1,507,000 | 2,440 |
| Gross Fiduciary activities income | $411,000 | 832 |
| Service charges on deposit accounts | $548,000 | 2,529 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $548,000 | 3,064 |
| Total noninterest expense | $10,031,000 | 1,523 |
| Salaries and employee benefits | $2,741,000 | 2,425 |
| Premises and equipment expense | $971,000 | 2,115 |
| Additional noninterest expense | $6,319,000 | 1,047 |
| Pre-tax net operating income | $-3,508,000 | 13,147 |
| Securities gains (losses) | $37,000 | 3,837 |
| Applicable income taxes | $65,000 | 10,597 |
| Income before extraordinary items | $-3,536,000 | 13,140 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-3,536,000 | 13,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,544,000 | 627 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $273,000 | 724 |
| Net operating income | $-3,573,000 | 13,122 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,135,000 | 2,193 |
| Total interest expense | $10,136,000 | 1,700 |
| Net interest income | $5,999,000 | 3,051 |
| Provision for loan and lease losses | $5,847,000 | 542 |
| Total noninterest income | $1,554,000 | 2,327 |
| Gross Fiduciary activities income | $394,000 | 849 |
| Service charges on deposit accounts | $599,000 | 2,293 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $561,000 | 2,964 |
| Total noninterest expense | $8,360,000 | 1,817 |
| Salaries and employee benefits | $2,719,000 | 2,379 |
| Premises and equipment expense | $1,169,000 | 1,808 |
| Additional noninterest expense | $4,472,000 | 1,472 |
| Pre-tax net operating income | $-6,654,000 | 13,826 |
| Securities gains (losses) | $195,000 | 2,044 |
| Applicable income taxes | $15,000 | 12,232 |
| Income before extraordinary items | $-6,474,000 | 13,827 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-6,474,000 | 13,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,525,000 | 348 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $7,699,000 | 121 |
| Net operating income | $-6,669,000 | 13,805 |
* 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.