Home > The American Bank > Income and Expense
The American Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,039,000 | 5,211 |
| Total interest expense | $1,423,000 | 4,951 |
| Net interest income | $1,616,000 | 5,341 |
| Provision for loan and lease losses | $534,000 | 984 |
| Total noninterest income | $182,000 | 5,766 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $136,000 | 4,306 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $46,000 | 6,404 |
| Total noninterest expense | $978,000 | 6,307 |
| Salaries and employee benefits | $602,000 | 6,001 |
| Premises and equipment expense | $104,000 | 6,694 |
| Additional noninterest expense | $272,000 | 6,377 |
| Pre-tax net operating income | $286,000 | 6,133 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-11,000 | 8,155 |
| Income before extraordinary items | $297,000 | 5,682 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $297,000 | 5,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,947 |
| Cash dividends | $5,064,000 | 416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $297,000 | 5,659 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,484,000 | 5,293 |
| Total interest expense | $679,000 | 5,056 |
| Net interest income | $805,000 | 5,368 |
| Provision for loan and lease losses | $234,000 | 1,027 |
| Total noninterest income | $88,000 | 5,796 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $63,000 | 4,424 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $25,000 | 6,275 |
| Total noninterest expense | $459,000 | 6,496 |
| Salaries and employee benefits | $288,000 | 6,174 |
| Premises and equipment expense | $53,000 | 6,692 |
| Additional noninterest expense | $118,000 | 6,739 |
| Pre-tax net operating income | $200,000 | 5,516 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,000 | 5,948 |
| Income before extraordinary items | $198,000 | 5,084 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $198,000 | 5,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 739 |
| Cash dividends | $600,000 | 1,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $198,000 | 5,074 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,699,000 | 5,181 |
| Total interest expense | $2,170,000 | 5,187 |
| Net interest income | $3,529,000 | 5,032 |
| Provision for loan and lease losses | $402,000 | 2,253 |
| Total noninterest income | $428,000 | 5,460 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $345,000 | 3,844 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $83,000 | 6,621 |
| Total noninterest expense | $1,853,000 | 6,359 |
| Salaries and employee benefits | $1,096,000 | 6,161 |
| Premises and equipment expense | $223,000 | 6,484 |
| Additional noninterest expense | $534,000 | 6,386 |
| Pre-tax net operating income | $1,702,000 | 4,011 |
| Securities gains (losses) | $22,000 | 885 |
| Applicable income taxes | $423,000 | 3,360 |
| Income before extraordinary items | $1,301,000 | 4,100 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,301,000 | 4,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 1,610 |
| Cash dividends | $400,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,284,500 | 4,098 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,217,000 | 5,204 |
| Total interest expense | $1,528,000 | 5,286 |
| Net interest income | $2,689,000 | 5,019 |
| Provision for loan and lease losses | $65,000 | 4,757 |
| Total noninterest income | $316,000 | 5,533 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $253,000 | 3,926 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 6,605 |
| Total noninterest expense | $1,452,000 | 6,247 |
| Salaries and employee benefits | $854,000 | 6,046 |
| Premises and equipment expense | $166,000 | 6,528 |
| Additional noninterest expense | $432,000 | 6,183 |
| Pre-tax net operating income | $1,488,000 | 3,801 |
| Securities gains (losses) | $13,000 | 838 |
| Applicable income taxes | $395,000 | 3,196 |
| Income before extraordinary items | $1,106,000 | 3,919 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,106,000 | 3,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $400,000 | 3,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,096,380 | 3,931 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,779,000 | 5,211 |
| Total interest expense | $955,000 | 5,347 |
| Net interest income | $1,824,000 | 4,988 |
| Provision for loan and lease losses | $35,000 | 4,878 |
| Total noninterest income | $225,000 | 5,371 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $181,000 | 3,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $44,000 | 6,558 |
| Total noninterest expense | $855,000 | 6,605 |
| Salaries and employee benefits | $548,000 | 6,168 |
| Premises and equipment expense | $111,000 | 6,530 |
| Additional noninterest expense | $196,000 | 7,137 |
| Pre-tax net operating income | $1,159,000 | 3,436 |
| Securities gains (losses) | $13,000 | 684 |
| Applicable income taxes | $309,000 | 3,006 |
| Income before extraordinary items | $863,000 | 3,557 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $863,000 | 3,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $853,380 | 3,568 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,352,000 | 5,236 |
| Total interest expense | $454,000 | 5,375 |
| Net interest income | $898,000 | 5,043 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $115,000 | 5,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $92,000 | 3,651 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,492 |
| Total noninterest expense | $424,000 | 6,619 |
| Salaries and employee benefits | $286,000 | 6,073 |
| Premises and equipment expense | $52,000 | 6,673 |
| Additional noninterest expense | $86,000 | 7,378 |
| Pre-tax net operating income | $574,000 | 3,417 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $148,000 | 3,056 |
| Income before extraordinary items | $426,000 | 3,522 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $426,000 | 3,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,562 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $426,000 | 3,504 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,921,000 | 5,203 |
| Total interest expense | $1,455,000 | 5,296 |
| Net interest income | $3,466,000 | 5,054 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $409,000 | 5,679 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $342,000 | 3,895 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $67,000 | 7,015 |
| Total noninterest expense | $1,765,000 | 6,454 |
| Salaries and employee benefits | $1,089,000 | 6,097 |
| Premises and equipment expense | $218,000 | 6,540 |
| Additional noninterest expense | $458,000 | 6,796 |
| Pre-tax net operating income | $2,050,000 | 3,621 |
| Securities gains (losses) | $-5,000 | 7,296 |
| Applicable income taxes | $543,000 | 3,234 |
| Income before extraordinary items | $1,502,000 | 3,790 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,502,000 | 3,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,481 |
| Cash dividends | $300,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,505,650 | 3,751 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,608,000 | 5,247 |
| Total interest expense | $1,034,000 | 5,339 |
| Net interest income | $2,574,000 | 5,092 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $307,000 | 5,721 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $253,000 | 3,932 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $54,000 | 6,950 |
| Total noninterest expense | $1,337,000 | 6,429 |
| Salaries and employee benefits | $846,000 | 5,939 |
| Premises and equipment expense | $158,000 | 6,600 |
| Additional noninterest expense | $333,000 | 6,857 |
| Pre-tax net operating income | $1,499,000 | 3,758 |
| Securities gains (losses) | $-5,000 | 7,675 |
| Applicable income taxes | $383,000 | 3,400 |
| Income before extraordinary items | $1,111,000 | 3,882 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,111,000 | 3,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,878 |
| Cash dividends | $300,000 | 3,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,114,700 | 3,834 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,342,000 | 5,265 |
| Total interest expense | $655,000 | 5,334 |
| Net interest income | $1,687,000 | 5,138 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $206,000 | 5,673 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $168,000 | 3,886 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $38,000 | 6,863 |
| Total noninterest expense | $860,000 | 6,535 |
| Salaries and employee benefits | $548,000 | 6,054 |
| Premises and equipment expense | $79,000 | 7,176 |
| Additional noninterest expense | $233,000 | 6,740 |
| Pre-tax net operating income | $1,003,000 | 3,694 |
| Securities gains (losses) | $-6,000 | 7,982 |
| Applicable income taxes | $242,000 | 3,467 |
| Income before extraordinary items | $755,000 | 3,764 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $755,000 | 3,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,191 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $759,560 | 3,710 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 5,289 |
| Total interest expense | $315,000 | 5,338 |
| Net interest income | $841,000 | 5,179 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $109,000 | 5,505 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $90,000 | 3,686 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,923 |
| Total noninterest expense | $403,000 | 6,750 |
| Salaries and employee benefits | $251,000 | 6,379 |
| Premises and equipment expense | $37,000 | 7,362 |
| Additional noninterest expense | $115,000 | 6,784 |
| Pre-tax net operating income | $532,000 | 3,508 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $114,000 | 3,555 |
| Income before extraordinary items | $418,000 | 3,511 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $418,000 | 3,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 1,543 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $418,000 | 3,474 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,397,000 | 5,257 |
| Total interest expense | $1,098,000 | 5,387 |
| Net interest income | $3,299,000 | 5,109 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $453,000 | 5,515 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $378,000 | 3,768 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $75,000 | 6,883 |
| Total noninterest expense | $1,730,000 | 6,486 |
| Salaries and employee benefits | $1,091,000 | 5,998 |
| Premises and equipment expense | $136,000 | 7,491 |
| Additional noninterest expense | $503,000 | 6,514 |
| Pre-tax net operating income | $1,962,000 | 3,549 |
| Securities gains (losses) | $9,000 | 2,866 |
| Applicable income taxes | $573,000 | 3,112 |
| Income before extraordinary items | $1,398,000 | 3,810 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,398,000 | 3,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,809 |
| Cash dividends | $1,041,000 | 2,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,391,610 | 3,764 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,255,000 | 5,273 |
| Total interest expense | $801,000 | 5,444 |
| Net interest income | $2,454,000 | 5,118 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $341,000 | 5,538 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $287,000 | 3,768 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 6,952 |
| Total noninterest expense | $1,250,000 | 6,563 |
| Salaries and employee benefits | $832,000 | 5,890 |
| Premises and equipment expense | $104,000 | 7,455 |
| Additional noninterest expense | $314,000 | 6,985 |
| Pre-tax net operating income | $1,500,000 | 3,576 |
| Securities gains (losses) | $9,000 | 2,772 |
| Applicable income taxes | $443,000 | 3,114 |
| Income before extraordinary items | $1,066,000 | 3,858 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,066,000 | 3,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $1,020,000 | 1,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,059,610 | 3,796 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 5,329 |
| Total interest expense | $522,000 | 5,531 |
| Net interest income | $1,622,000 | 5,155 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $221,000 | 5,603 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $180,000 | 3,909 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $41,000 | 6,763 |
| Total noninterest expense | $839,000 | 6,594 |
| Salaries and employee benefits | $550,000 | 5,965 |
| Premises and equipment expense | $71,000 | 7,432 |
| Additional noninterest expense | $218,000 | 6,931 |
| Pre-tax net operating income | $974,000 | 3,594 |
| Securities gains (losses) | $10,000 | 2,414 |
| Applicable income taxes | $277,000 | 3,210 |
| Income before extraordinary items | $707,000 | 3,826 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $707,000 | 3,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,107 |
| Cash dividends | $1,020,000 | 1,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $699,800 | 3,761 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,082,000 | 5,323 |
| Total interest expense | $261,000 | 5,597 |
| Net interest income | $821,000 | 5,119 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $106,000 | 5,653 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $88,000 | 3,887 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $405,000 | 6,729 |
| Salaries and employee benefits | $257,000 | 6,239 |
| Premises and equipment expense | $34,000 | 7,562 |
| Additional noninterest expense | $114,000 | 6,822 |
| Pre-tax net operating income | $507,000 | 3,489 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $135,000 | 3,278 |
| Income before extraordinary items | $372,000 | 3,706 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $372,000 | 3,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,610 |
| Cash dividends | $1,020,000 | 653 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $372,000 | 3,579 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,180,000 | 5,487 |
| Total interest expense | $1,262,000 | 5,399 |
| Net interest income | $2,918,000 | 5,397 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $348,000 | 6,271 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $264,000 | 4,619 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $84,000 | 6,810 |
| Total noninterest expense | $1,754,000 | 6,432 |
| Salaries and employee benefits | $1,087,000 | 5,975 |
| Premises and equipment expense | $250,000 | 6,180 |
| Additional noninterest expense | $417,000 | 7,055 |
| Pre-tax net operating income | $1,452,000 | 4,205 |
| Securities gains (losses) | $13,000 | 3,473 |
| Applicable income taxes | $382,000 | 3,877 |
| Income before extraordinary items | $1,083,000 | 4,426 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,083,000 | 4,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,012 |
| Cash dividends | $54,000 | 5,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,073,380 | 4,269 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,113,000 | 5,571 |
| Total interest expense | $984,000 | 5,429 |
| Net interest income | $2,129,000 | 5,512 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $266,000 | 6,267 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $232,000 | 4,245 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,000 | 7,714 |
| Total noninterest expense | $1,267,000 | 6,528 |
| Salaries and employee benefits | $809,000 | 5,978 |
| Premises and equipment expense | $201,000 | 5,994 |
| Additional noninterest expense | $257,000 | 7,497 |
| Pre-tax net operating income | $1,083,000 | 4,344 |
| Securities gains (losses) | $7,000 | 3,479 |
| Applicable income taxes | $308,000 | 3,868 |
| Income before extraordinary items | $782,000 | 4,661 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $782,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,642 |
| Cash dividends | $54,000 | 5,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $776,960 | 4,503 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,068,000 | 5,628 |
| Total interest expense | $672,000 | 5,474 |
| Net interest income | $1,396,000 | 5,569 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $182,000 | 6,206 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $149,000 | 4,309 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $33,000 | 7,207 |
| Total noninterest expense | $817,000 | 6,643 |
| Salaries and employee benefits | $537,000 | 5,994 |
| Premises and equipment expense | $111,000 | 6,499 |
| Additional noninterest expense | $169,000 | 7,523 |
| Pre-tax net operating income | $731,000 | 4,315 |
| Securities gains (losses) | $8,000 | 3,037 |
| Applicable income taxes | $202,000 | 3,952 |
| Income before extraordinary items | $537,000 | 4,604 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $537,000 | 4,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $4,000 | 5,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $531,160 | 4,424 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,061,000 | 5,574 |
| Total interest expense | $348,000 | 5,464 |
| Net interest income | $713,000 | 5,492 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $90,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 4,383 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $386,000 | 6,823 |
| Salaries and employee benefits | $243,000 | 6,363 |
| Premises and equipment expense | $57,000 | 6,435 |
| Additional noninterest expense | $86,000 | 7,511 |
| Pre-tax net operating income | $402,000 | 4,023 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $106,000 | 3,831 |
| Income before extraordinary items | $299,000 | 4,252 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $299,000 | 4,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $4,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $296,780 | 4,093 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,236,000 | 5,731 |
| Total interest expense | $1,656,000 | 5,418 |
| Net interest income | $2,580,000 | 5,801 |
| Provision for loan and lease losses | $35,000 | 7,087 |
| Total noninterest income | $371,000 | 5,964 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $303,000 | 4,209 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $68,000 | 7,131 |
| Total noninterest expense | $1,598,000 | 6,656 |
| Salaries and employee benefits | $1,082,000 | 5,863 |
| Premises and equipment expense | $220,000 | 6,524 |
| Additional noninterest expense | $296,000 | 7,833 |
| Pre-tax net operating income | $1,318,000 | 4,450 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $366,000 | 4,070 |
| Income before extraordinary items | $956,000 | 4,716 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $956,000 | 4,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,261 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $953,120 | 4,605 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,635,000 | 5,867 |
| Total interest expense | $2,471,000 | 5,437 |
| Net interest income | $2,164,000 | 6,176 |
| Provision for loan and lease losses | $15,000 | 7,716 |
| Total noninterest income | $390,000 | 5,742 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $314,000 | 4,046 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $76,000 | 6,985 |
| Total noninterest expense | $1,534,000 | 6,725 |
| Salaries and employee benefits | $1,027,000 | 5,888 |
| Premises and equipment expense | $227,000 | 6,391 |
| Additional noninterest expense | $280,000 | 8,003 |
| Pre-tax net operating income | $1,005,000 | 4,882 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $233,000 | 4,725 |
| Income before extraordinary items | $776,000 | 4,947 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $776,000 | 4,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $772,920 | 4,842 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,602,000 | 6,018 |
| Total interest expense | $2,312,000 | 5,819 |
| Net interest income | $2,290,000 | 6,129 |
| Provision for loan and lease losses | $45,000 | 6,708 |
| Total noninterest income | $352,000 | 5,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $282,000 | 4,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,177 |
| Total noninterest expense | $1,471,000 | 6,813 |
| Salaries and employee benefits | $997,000 | 5,929 |
| Premises and equipment expense | $219,000 | 6,471 |
| Additional noninterest expense | $255,000 | 8,302 |
| Pre-tax net operating income | $1,126,000 | 4,916 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $311,000 | 4,520 |
| Income before extraordinary items | $818,000 | 4,981 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $818,000 | 4,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 9,523 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $815,840 | 4,982 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,360,000 | 6,049 |
| Total interest expense | $2,089,000 | 5,843 |
| Net interest income | $2,271,000 | 6,139 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $350,000 | 6,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,203 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,365 |
| Total noninterest expense | $1,450,000 | 6,904 |
| Salaries and employee benefits | $955,000 | 6,074 |
| Premises and equipment expense | $225,000 | 6,425 |
| Additional noninterest expense | $270,000 | 8,385 |
| Pre-tax net operating income | $1,141,000 | 4,920 |
| Securities gains (losses) | $14,000 | 1,577 |
| Applicable income taxes | $317,000 | 4,692 |
| Income before extraordinary items | $838,000 | 4,945 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $838,000 | 4,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,890 |
| Cash dividends | $65,000 | 6,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $827,780 | 4,963 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,382,000 | 6,155 |
| Total interest expense | $2,222,000 | 5,799 |
| Net interest income | $2,160,000 | 6,370 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $340,000 | 6,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 7,447 |
| Total noninterest expense | $1,387,000 | 7,000 |
| Salaries and employee benefits | $935,000 | 6,047 |
| Premises and equipment expense | $198,000 | 6,740 |
| Additional noninterest expense | $254,000 | 8,566 |
| Pre-tax net operating income | $1,053,000 | 5,265 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $296,000 | 5,211 |
| Income before extraordinary items | $761,000 | 5,356 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $761,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-114,000 | 10,275 |
| Cash dividends | $108,000 | 6,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $758,120 | 5,264 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,301,000 | 6,386 |
| Total interest expense | $2,151,000 | 5,986 |
| Net interest income | $2,150,000 | 6,622 |
| Provision for loan and lease losses | $55,000 | 6,469 |
| Total noninterest income | $401,000 | 5,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 6,280 |
| Total noninterest expense | $1,328,000 | 7,240 |
| Salaries and employee benefits | $887,000 | 6,360 |
| Premises and equipment expense | $179,000 | 7,216 |
| Additional noninterest expense | $262,000 | 8,709 |
| Pre-tax net operating income | $1,168,000 | 5,322 |
| Securities gains (losses) | $43,000 | 1,423 |
| Applicable income taxes | $380,000 | 5,042 |
| Income before extraordinary items | $831,000 | 5,334 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $831,000 | 5,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $57,000 | 7,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $801,330 | 5,405 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,031,000 | 6,838 |
| Total interest expense | $2,142,000 | 6,138 |
| Net interest income | $1,889,000 | 7,373 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $354,000 | 6,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 7,466 |
| Total noninterest expense | $1,245,000 | 7,843 |
| Salaries and employee benefits | $842,000 | 6,761 |
| Premises and equipment expense | $174,000 | 7,546 |
| Additional noninterest expense | $229,000 | 9,617 |
| Pre-tax net operating income | $962,000 | 5,872 |
| Securities gains (losses) | $104,000 | 937 |
| Applicable income taxes | $339,000 | 5,432 |
| Income before extraordinary items | $727,000 | 5,642 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $727,000 | 5,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,812 |
| Cash dividends | $62,000 | 7,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $656,280 | 5,905 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,726,000 | 7,283 |
| Total interest expense | $1,811,000 | 6,875 |
| Net interest income | $1,915,000 | 7,493 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $333,000 | 6,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $256,000 | 4,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,059 |
| Total noninterest expense | $1,389,000 | 7,620 |
| Salaries and employee benefits | $851,000 | 6,816 |
| Premises and equipment expense | $223,000 | 6,784 |
| Additional noninterest expense | $315,000 | 9,094 |
| Pre-tax net operating income | $823,000 | 6,747 |
| Securities gains (losses) | $116,000 | 895 |
| Applicable income taxes | $262,000 | 6,486 |
| Income before extraordinary items | $677,000 | 6,134 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $677,000 | 6,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $62,000 | 7,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $593,480 | 6,636 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,486,000 | 7,342 |
| Total interest expense | $1,359,000 | 7,355 |
| Net interest income | $2,127,000 | 7,251 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $432,000 | 5,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 5,221 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,373 |
| Total noninterest expense | $1,411,000 | 7,882 |
| Salaries and employee benefits | $878,000 | 6,762 |
| Premises and equipment expense | $189,000 | 7,666 |
| Additional noninterest expense | $344,000 | 9,422 |
| Pre-tax net operating income | $1,148,000 | 5,401 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $351,000 | 5,266 |
| Income before extraordinary items | $797,000 | 5,384 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $797,000 | 5,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,921 |
| Cash dividends | $12,000 | 8,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $797,000 | 5,442 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,330,000 | 7,785 |
| Total interest expense | $1,458,000 | 7,343 |
| Net interest income | $1,872,000 | 8,035 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $306,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 5,496 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 8,622 |
| Total noninterest expense | $1,319,000 | 8,439 |
| Salaries and employee benefits | $783,000 | 7,421 |
| Premises and equipment expense | $196,000 | 7,757 |
| Additional noninterest expense | $340,000 | 9,955 |
| Pre-tax net operating income | $859,000 | 6,524 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $259,000 | 6,663 |
| Income before extraordinary items | $609,000 | 6,710 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $609,000 | 6,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 12,247 |
| Cash dividends | $162,000 | 5,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $602,700 | 6,516 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,617,000 | 8,020 |
| Total interest expense | $1,894,000 | 7,370 |
| Net interest income | $1,723,000 | 8,585 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $297,000 | 7,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,281 |
| Total noninterest expense | $1,323,000 | 8,582 |
| Salaries and employee benefits | $722,000 | 7,820 |
| Premises and equipment expense | $195,000 | 7,943 |
| Additional noninterest expense | $406,000 | 9,490 |
| Pre-tax net operating income | $697,000 | 7,113 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $143,000 | 8,814 |
| Income before extraordinary items | $554,000 | 6,899 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $554,000 | 6,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 7,201 |
| Cash dividends | $172,000 | 5,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $554,000 | 6,534 |
* 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.