Home > The Bank of Western Massachusetts > Income and Expense
The Bank of Western Massachusetts, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $45,678,000 | 820 |
| Total interest expense | $13,771,000 | 1,178 |
| Net interest income | $31,907,000 | 688 |
| Provision for loan and lease losses | $1,232,000 | 2,427 |
| Total noninterest income | $7,875,000 | 720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $7,875,000 | 456 |
| Total noninterest expense | $26,028,000 | 768 |
| Salaries and employee benefits | $9,951,000 | 1,003 |
| Premises and equipment expense | $2,605,000 | 1,074 |
| Additional noninterest expense | $13,472,000 | 515 |
| Pre-tax net operating income | $12,522,000 | 431 |
| Securities gains (losses) | $303,000 | 542 |
| Applicable income taxes | $4,219,000 | 365 |
| Income before extraordinary items | $8,606,000 | 453 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,606,000 | 453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,136,000 | 1,822 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $8,402,990 | 484 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $34,721,000 | 822 |
| Total interest expense | $11,129,000 | 1,142 |
| Net interest income | $23,592,000 | 712 |
| Provision for loan and lease losses | $632,000 | 2,400 |
| Total noninterest income | $6,006,000 | 745 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $6,006,000 | 483 |
| Total noninterest expense | $19,693,000 | 749 |
| Salaries and employee benefits | $7,528,000 | 1,015 |
| Premises and equipment expense | $2,062,000 | 1,010 |
| Additional noninterest expense | $10,103,000 | 484 |
| Pre-tax net operating income | $9,273,000 | 541 |
| Securities gains (losses) | $267,000 | 506 |
| Applicable income taxes | $3,700,000 | 390 |
| Income before extraordinary items | $5,840,000 | 622 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $5,840,000 | 621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $537,000 | 1,887 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $5,669,120 | 679 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $23,504,000 | 823 |
| Total interest expense | $7,870,000 | 1,111 |
| Net interest income | $15,634,000 | 714 |
| Provision for loan and lease losses | $484,000 | 1,957 |
| Total noninterest income | $3,946,000 | 772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $3,946,000 | 508 |
| Total noninterest expense | $13,206,000 | 740 |
| Salaries and employee benefits | $5,189,000 | 1,002 |
| Premises and equipment expense | $1,389,000 | 998 |
| Additional noninterest expense | $6,628,000 | 482 |
| Pre-tax net operating income | $5,890,000 | 598 |
| Securities gains (losses) | $217,000 | 585 |
| Applicable income taxes | $2,186,000 | 487 |
| Income before extraordinary items | $3,921,000 | 705 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,921,000 | 704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 1,527 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,782,120 | 709 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $12,104,000 | 832 |
| Total interest expense | $4,478,000 | 1,040 |
| Net interest income | $7,626,000 | 724 |
| Provision for loan and lease losses | $496,000 | 1,015 |
| Total noninterest income | $1,934,000 | 776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,934,000 | 520 |
| Total noninterest expense | $6,700,000 | 716 |
| Salaries and employee benefits | $2,677,000 | 977 |
| Premises and equipment expense | $724,000 | 952 |
| Additional noninterest expense | $3,299,000 | 466 |
| Pre-tax net operating income | $2,364,000 | 810 |
| Securities gains (losses) | $93,000 | 750 |
| Applicable income taxes | $916,000 | 628 |
| Income before extraordinary items | $1,541,000 | 976 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,541,000 | 978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,481,480 | 976 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $51,043,000 | 824 |
| Total interest expense | $20,673,000 | 963 |
| Net interest income | $30,370,000 | 730 |
| Provision for loan and lease losses | $700,000 | 1,852 |
| Total noninterest income | $4,519,000 | 1,186 |
| Gross Fiduciary activities income | $916,000 | 440 |
| Service charges on deposit accounts | $1,584,000 | 1,127 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,019,000 | 1,360 |
| Total noninterest expense | $20,866,000 | 892 |
| Salaries and employee benefits | $10,584,000 | 941 |
| Premises and equipment expense | $2,290,000 | 1,153 |
| Additional noninterest expense | $7,992,000 | 719 |
| Pre-tax net operating income | $13,323,000 | 647 |
| Securities gains (losses) | $-69,000 | 8,077 |
| Applicable income taxes | $5,001,000 | 548 |
| Income before extraordinary items | $8,253,000 | 792 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,253,000 | 790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $939,000 | 1,076 |
| Cash dividends | $5,720,000 | 663 |
| Sale, conversion, retirement of capital stock, net | $-937,000 | 8,491 |
| Net operating income | $8,297,160 | 775 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $38,228,000 | 822 |
| Total interest expense | $15,546,000 | 955 |
| Net interest income | $22,682,000 | 731 |
| Provision for loan and lease losses | $450,000 | 1,697 |
| Total noninterest income | $3,366,000 | 1,184 |
| Gross Fiduciary activities income | $675,000 | 439 |
| Service charges on deposit accounts | $1,198,000 | 1,101 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,493,000 | 1,379 |
| Total noninterest expense | $15,524,000 | 886 |
| Salaries and employee benefits | $7,951,000 | 933 |
| Premises and equipment expense | $1,671,000 | 1,180 |
| Additional noninterest expense | $5,902,000 | 717 |
| Pre-tax net operating income | $10,074,000 | 698 |
| Securities gains (losses) | $-69,000 | 8,232 |
| Applicable income taxes | $3,898,000 | 568 |
| Income before extraordinary items | $6,107,000 | 859 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,107,000 | 857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $622,000 | 909 |
| Cash dividends | $4,175,000 | 658 |
| Sale, conversion, retirement of capital stock, net | $-20,000 | 8,462 |
| Net operating income | $6,151,160 | 845 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $25,367,000 | 833 |
| Total interest expense | $10,120,000 | 988 |
| Net interest income | $15,247,000 | 737 |
| Provision for loan and lease losses | $250,000 | 1,793 |
| Total noninterest income | $2,258,000 | 1,210 |
| Gross Fiduciary activities income | $436,000 | 457 |
| Service charges on deposit accounts | $816,000 | 1,080 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,006,000 | 1,394 |
| Total noninterest expense | $10,333,000 | 904 |
| Salaries and employee benefits | $5,268,000 | 961 |
| Premises and equipment expense | $1,134,000 | 1,181 |
| Additional noninterest expense | $3,931,000 | 723 |
| Pre-tax net operating income | $6,922,000 | 714 |
| Securities gains (losses) | $-69,000 | 8,355 |
| Applicable income taxes | $2,701,000 | 566 |
| Income before extraordinary items | $4,152,000 | 881 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,152,000 | 880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 742 |
| Cash dividends | $2,270,000 | 790 |
| Sale, conversion, retirement of capital stock, net | $-125,000 | 8,566 |
| Net operating income | $4,196,160 | 859 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,219,000 | 850 |
| Total interest expense | $4,903,000 | 1,008 |
| Net interest income | $7,316,000 | 768 |
| Provision for loan and lease losses | $300,000 | 788 |
| Total noninterest income | $1,092,000 | 1,217 |
| Gross Fiduciary activities income | $214,000 | 466 |
| Service charges on deposit accounts | $408,000 | 1,052 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $470,000 | 1,429 |
| Total noninterest expense | $5,030,000 | 934 |
| Salaries and employee benefits | $2,583,000 | 984 |
| Premises and equipment expense | $575,000 | 1,179 |
| Additional noninterest expense | $1,872,000 | 744 |
| Pre-tax net operating income | $3,078,000 | 780 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,205,000 | 628 |
| Income before extraordinary items | $1,873,000 | 940 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,873,000 | 939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 633 |
| Cash dividends | $1,215,000 | 683 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 432 |
| Net operating income | $1,873,000 | 926 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $46,816,000 | 816 |
| Total interest expense | $16,743,000 | 992 |
| Net interest income | $30,073,000 | 737 |
| Provision for loan and lease losses | $585,000 | 1,668 |
| Total noninterest income | $4,024,000 | 1,292 |
| Gross Fiduciary activities income | $754,000 | 478 |
| Service charges on deposit accounts | $1,677,000 | 1,053 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,593,000 | 1,597 |
| Total noninterest expense | $19,505,000 | 906 |
| Salaries and employee benefits | $9,782,000 | 983 |
| Premises and equipment expense | $2,096,000 | 1,225 |
| Additional noninterest expense | $7,627,000 | 710 |
| Pre-tax net operating income | $14,007,000 | 727 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $5,589,000 | 584 |
| Income before extraordinary items | $8,418,000 | 895 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,418,000 | 895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,880 |
| Cash dividends | $2,820,000 | 1,188 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,219 |
| Net operating income | $8,418,000 | 880 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $34,050,000 | 845 |
| Total interest expense | $11,911,000 | 1,021 |
| Net interest income | $22,139,000 | 761 |
| Provision for loan and lease losses | $465,000 | 1,474 |
| Total noninterest income | $2,937,000 | 1,325 |
| Gross Fiduciary activities income | $536,000 | 490 |
| Service charges on deposit accounts | $1,257,000 | 1,056 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,144,000 | 1,650 |
| Total noninterest expense | $14,492,000 | 923 |
| Salaries and employee benefits | $7,288,000 | 1,002 |
| Premises and equipment expense | $1,515,000 | 1,286 |
| Additional noninterest expense | $5,689,000 | 722 |
| Pre-tax net operating income | $10,119,000 | 780 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,024,000 | 636 |
| Income before extraordinary items | $6,095,000 | 953 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,095,000 | 952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,696 |
| Cash dividends | $2,400,000 | 990 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,012 |
| Net operating income | $6,095,000 | 940 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $22,038,000 | 851 |
| Total interest expense | $7,516,000 | 1,016 |
| Net interest income | $14,522,000 | 775 |
| Provision for loan and lease losses | $495,000 | 993 |
| Total noninterest income | $1,969,000 | 1,325 |
| Gross Fiduciary activities income | $353,000 | 501 |
| Service charges on deposit accounts | $824,000 | 1,076 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $792,000 | 1,613 |
| Total noninterest expense | $9,536,000 | 945 |
| Salaries and employee benefits | $4,796,000 | 1,021 |
| Premises and equipment expense | $969,000 | 1,340 |
| Additional noninterest expense | $3,771,000 | 728 |
| Pre-tax net operating income | $6,460,000 | 806 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,563,000 | 662 |
| Income before extraordinary items | $3,897,000 | 989 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,897,000 | 990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,675 |
| Cash dividends | $2,400,000 | 705 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 851 |
| Net operating income | $3,897,000 | 972 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,674,000 | 864 |
| Total interest expense | $3,507,000 | 1,036 |
| Net interest income | $7,167,000 | 785 |
| Provision for loan and lease losses | $270,000 | 866 |
| Total noninterest income | $955,000 | 1,326 |
| Gross Fiduciary activities income | $167,000 | 525 |
| Service charges on deposit accounts | $401,000 | 1,076 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $387,000 | 1,608 |
| Total noninterest expense | $4,762,000 | 940 |
| Salaries and employee benefits | $2,340,000 | 1,049 |
| Premises and equipment expense | $561,000 | 1,142 |
| Additional noninterest expense | $1,861,000 | 730 |
| Pre-tax net operating income | $3,090,000 | 826 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,220,000 | 682 |
| Income before extraordinary items | $1,870,000 | 1,021 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,870,000 | 1,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,457 |
| Cash dividends | $2,400,000 | 375 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 612 |
| Net operating income | $1,870,000 | 1,003 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $38,354,000 | 849 |
| Total interest expense | $10,115,000 | 1,113 |
| Net interest income | $28,239,000 | 745 |
| Provision for loan and lease losses | $1,600,000 | 663 |
| Total noninterest income | $3,708,000 | 1,359 |
| Gross Fiduciary activities income | $672,000 | 500 |
| Service charges on deposit accounts | $1,562,000 | 1,139 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,474,000 | 1,689 |
| Total noninterest expense | $18,205,000 | 930 |
| Salaries and employee benefits | $8,611,000 | 1,071 |
| Premises and equipment expense | $2,103,000 | 1,162 |
| Additional noninterest expense | $7,491,000 | 706 |
| Pre-tax net operating income | $12,142,000 | 815 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,830,000 | 663 |
| Income before extraordinary items | $7,312,000 | 989 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,312,000 | 989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,641 |
| Cash dividends | $1,800,000 | 1,584 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,729 |
| Net operating income | $7,312,000 | 971 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $27,926,000 | 850 |
| Total interest expense | $6,983,000 | 1,139 |
| Net interest income | $20,943,000 | 743 |
| Provision for loan and lease losses | $1,125,000 | 679 |
| Total noninterest income | $2,767,000 | 1,366 |
| Gross Fiduciary activities income | $507,000 | 491 |
| Service charges on deposit accounts | $1,173,000 | 1,125 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,087,000 | 1,714 |
| Total noninterest expense | $13,541,000 | 934 |
| Salaries and employee benefits | $6,388,000 | 1,075 |
| Premises and equipment expense | $1,562,000 | 1,166 |
| Additional noninterest expense | $5,591,000 | 707 |
| Pre-tax net operating income | $9,044,000 | 815 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,632,000 | 663 |
| Income before extraordinary items | $5,412,000 | 999 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,412,000 | 999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-239,000 | 8,764 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,774 |
| Net operating income | $5,412,000 | 978 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,925,000 | 863 |
| Total interest expense | $4,276,000 | 1,163 |
| Net interest income | $13,649,000 | 755 |
| Provision for loan and lease losses | $750,000 | 672 |
| Total noninterest income | $1,832,000 | 1,362 |
| Gross Fiduciary activities income | $348,000 | 483 |
| Service charges on deposit accounts | $783,000 | 1,097 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $701,000 | 1,747 |
| Total noninterest expense | $9,056,000 | 923 |
| Salaries and employee benefits | $4,214,000 | 1,079 |
| Premises and equipment expense | $1,050,000 | 1,139 |
| Additional noninterest expense | $3,792,000 | 700 |
| Pre-tax net operating income | $5,675,000 | 840 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,265,000 | 693 |
| Income before extraordinary items | $3,410,000 | 1,023 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,410,000 | 1,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,735 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,802 |
| Net operating income | $3,410,000 | 1,004 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,584,000 | 888 |
| Total interest expense | $1,914,000 | 1,238 |
| Net interest income | $6,670,000 | 769 |
| Provision for loan and lease losses | $375,000 | 622 |
| Total noninterest income | $906,000 | 1,359 |
| Gross Fiduciary activities income | $189,000 | 470 |
| Service charges on deposit accounts | $390,000 | 1,072 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $327,000 | 1,792 |
| Total noninterest expense | $4,611,000 | 903 |
| Salaries and employee benefits | $2,144,000 | 1,056 |
| Premises and equipment expense | $537,000 | 1,114 |
| Additional noninterest expense | $1,930,000 | 668 |
| Pre-tax net operating income | $2,590,000 | 907 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,024,000 | 754 |
| Income before extraordinary items | $1,566,000 | 1,102 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,566,000 | 1,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,878 |
| Net operating income | $1,566,000 | 1,075 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $29,187,000 | 970 |
| Total interest expense | $4,524,000 | 1,798 |
| Net interest income | $24,663,000 | 804 |
| Provision for loan and lease losses | $1,110,000 | 954 |
| Total noninterest income | $4,468,000 | 1,176 |
| Gross Fiduciary activities income | $631,000 | 491 |
| Service charges on deposit accounts | $1,807,000 | 974 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,030,000 | 1,300 |
| Total noninterest expense | $17,228,000 | 938 |
| Salaries and employee benefits | $7,998,000 | 1,080 |
| Premises and equipment expense | $1,999,000 | 1,148 |
| Additional noninterest expense | $7,231,000 | 719 |
| Pre-tax net operating income | $10,793,000 | 818 |
| Securities gains (losses) | $30,000 | 2,118 |
| Applicable income taxes | $4,346,000 | 661 |
| Income before extraordinary items | $6,477,000 | 1,023 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,477,000 | 1,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,396 |
| Cash dividends | $800,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,457,800 | 992 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $21,044,000 | 990 |
| Total interest expense | $3,094,000 | 1,941 |
| Net interest income | $17,950,000 | 828 |
| Provision for loan and lease losses | $735,000 | 1,034 |
| Total noninterest income | $3,602,000 | 1,125 |
| Gross Fiduciary activities income | $470,000 | 492 |
| Service charges on deposit accounts | $1,391,000 | 948 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,741,000 | 1,201 |
| Total noninterest expense | $13,020,000 | 937 |
| Salaries and employee benefits | $5,973,000 | 1,076 |
| Premises and equipment expense | $1,531,000 | 1,122 |
| Additional noninterest expense | $5,516,000 | 701 |
| Pre-tax net operating income | $7,797,000 | 856 |
| Securities gains (losses) | $30,000 | 2,041 |
| Applicable income taxes | $3,071,000 | 707 |
| Income before extraordinary items | $4,756,000 | 1,043 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,756,000 | 1,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 8,787 |
| Cash dividends | $800,000 | 2,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,736,800 | 1,011 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $13,638,000 | 1,008 |
| Total interest expense | $1,938,000 | 2,037 |
| Net interest income | $11,700,000 | 835 |
| Provision for loan and lease losses | $360,000 | 1,336 |
| Total noninterest income | $1,977,000 | 1,301 |
| Gross Fiduciary activities income | $320,000 | 486 |
| Service charges on deposit accounts | $965,000 | 888 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $692,000 | 1,732 |
| Total noninterest expense | $8,805,000 | 920 |
| Salaries and employee benefits | $3,991,000 | 1,077 |
| Premises and equipment expense | $1,036,000 | 1,123 |
| Additional noninterest expense | $3,778,000 | 679 |
| Pre-tax net operating income | $4,512,000 | 963 |
| Securities gains (losses) | $30,000 | 1,791 |
| Applicable income taxes | $1,791,000 | 789 |
| Income before extraordinary items | $2,751,000 | 1,193 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,751,000 | 1,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $800,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,731,800 | 1,158 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,765,000 | 1,025 |
| Total interest expense | $978,000 | 2,032 |
| Net interest income | $5,787,000 | 858 |
| Provision for loan and lease losses | $-15,000 | 8,942 |
| Total noninterest income | $930,000 | 1,327 |
| Gross Fiduciary activities income | $163,000 | 493 |
| Service charges on deposit accounts | $482,000 | 872 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $285,000 | 1,946 |
| Total noninterest expense | $4,350,000 | 939 |
| Salaries and employee benefits | $1,994,000 | 1,084 |
| Premises and equipment expense | $521,000 | 1,131 |
| Additional noninterest expense | $1,835,000 | 687 |
| Pre-tax net operating income | $2,382,000 | 904 |
| Securities gains (losses) | $30,000 | 1,495 |
| Applicable income taxes | $936,000 | 774 |
| Income before extraordinary items | $1,476,000 | 1,111 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,476,000 | 1,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,435 |
| Cash dividends | $750,000 | 847 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,456,800 | 1,064 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $27,539,000 | 1,018 |
| Total interest expense | $4,489,000 | 1,991 |
| Net interest income | $23,050,000 | 831 |
| Provision for loan and lease losses | $1,500,000 | 826 |
| Total noninterest income | $3,985,000 | 1,348 |
| Gross Fiduciary activities income | $526,000 | 551 |
| Service charges on deposit accounts | $1,915,000 | 906 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,544,000 | 1,780 |
| Total noninterest expense | $18,146,000 | 884 |
| Salaries and employee benefits | $8,398,000 | 1,012 |
| Premises and equipment expense | $1,993,000 | 1,139 |
| Additional noninterest expense | $7,755,000 | 686 |
| Pre-tax net operating income | $7,389,000 | 1,131 |
| Securities gains (losses) | $667,000 | 626 |
| Applicable income taxes | $2,693,000 | 1,003 |
| Income before extraordinary items | $5,363,000 | 1,197 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,363,000 | 1,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $750,000 | 1,154 |
| Cash dividends | $2,700,000 | 1,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,916,110 | 1,231 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,620,000 | 1,042 |
| Total interest expense | $3,502,000 | 1,995 |
| Net interest income | $17,118,000 | 854 |
| Provision for loan and lease losses | $1,125,000 | 801 |
| Total noninterest income | $3,010,000 | 1,365 |
| Gross Fiduciary activities income | $385,000 | 559 |
| Service charges on deposit accounts | $1,426,000 | 912 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,199,000 | 1,806 |
| Total noninterest expense | $13,691,000 | 891 |
| Salaries and employee benefits | $6,387,000 | 1,014 |
| Premises and equipment expense | $1,505,000 | 1,145 |
| Additional noninterest expense | $5,799,000 | 690 |
| Pre-tax net operating income | $5,312,000 | 1,217 |
| Securities gains (losses) | $106,000 | 1,693 |
| Applicable income taxes | $1,733,000 | 1,187 |
| Income before extraordinary items | $3,685,000 | 1,349 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,685,000 | 1,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 1,191 |
| Cash dividends | $2,700,000 | 792 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,612,920 | 1,302 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,848,000 | 1,050 |
| Total interest expense | $2,487,000 | 1,933 |
| Net interest income | $11,361,000 | 857 |
| Provision for loan and lease losses | $750,000 | 809 |
| Total noninterest income | $1,999,000 | 1,371 |
| Gross Fiduciary activities income | $269,000 | 548 |
| Service charges on deposit accounts | $941,000 | 908 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $789,000 | 1,802 |
| Total noninterest expense | $9,216,000 | 883 |
| Salaries and employee benefits | $4,198,000 | 1,029 |
| Premises and equipment expense | $970,000 | 1,179 |
| Additional noninterest expense | $4,048,000 | 666 |
| Pre-tax net operating income | $3,394,000 | 1,253 |
| Securities gains (losses) | $104,000 | 1,475 |
| Applicable income taxes | $1,264,000 | 1,127 |
| Income before extraordinary items | $2,234,000 | 1,470 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,234,000 | 1,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 846 |
| Cash dividends | $2,700,000 | 573 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,167,440 | 1,408 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,965,000 | 1,055 |
| Total interest expense | $1,309,000 | 1,885 |
| Net interest income | $5,656,000 | 864 |
| Provision for loan and lease losses | $375,000 | 770 |
| Total noninterest income | $890,000 | 1,456 |
| Gross Fiduciary activities income | $100,000 | 649 |
| Service charges on deposit accounts | $417,000 | 998 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $373,000 | 1,826 |
| Total noninterest expense | $4,555,000 | 896 |
| Salaries and employee benefits | $2,098,000 | 1,022 |
| Premises and equipment expense | $446,000 | 1,296 |
| Additional noninterest expense | $2,011,000 | 654 |
| Pre-tax net operating income | $1,616,000 | 1,319 |
| Securities gains (losses) | $104,000 | 976 |
| Applicable income taxes | $610,000 | 1,172 |
| Income before extraordinary items | $1,110,000 | 1,473 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,110,000 | 1,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 855 |
| Cash dividends | $2,700,000 | 313 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,042,400 | 1,447 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $29,731,000 | 1,036 |
| Total interest expense | $6,736,000 | 1,698 |
| Net interest income | $22,995,000 | 840 |
| Provision for loan and lease losses | $1,500,000 | 941 |
| Total noninterest income | $3,332,000 | 1,439 |
| Gross Fiduciary activities income | $452,000 | 607 |
| Service charges on deposit accounts | $1,578,000 | 1,020 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,302,000 | 1,835 |
| Total noninterest expense | $16,878,000 | 933 |
| Salaries and employee benefits | $7,453,000 | 1,072 |
| Premises and equipment expense | $1,682,000 | 1,303 |
| Additional noninterest expense | $7,743,000 | 683 |
| Pre-tax net operating income | $7,949,000 | 1,066 |
| Securities gains (losses) | $60,000 | 2,237 |
| Applicable income taxes | $2,616,000 | 1,047 |
| Income before extraordinary items | $5,393,000 | 1,166 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,393,000 | 1,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,055,000 | 919 |
| Cash dividends | $4,000,000 | 738 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,352,800 | 1,127 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $33,217,000 | 1,028 |
| Total interest expense | $11,103,000 | 1,458 |
| Net interest income | $22,114,000 | 803 |
| Provision for loan and lease losses | $1,200,000 | 1,082 |
| Total noninterest income | $2,407,000 | 1,730 |
| Gross Fiduciary activities income | $391,000 | 663 |
| Service charges on deposit accounts | $1,015,000 | 1,457 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,001,000 | 2,044 |
| Total noninterest expense | $16,033,000 | 925 |
| Salaries and employee benefits | $6,737,000 | 1,104 |
| Premises and equipment expense | $1,737,000 | 1,222 |
| Additional noninterest expense | $7,559,000 | 698 |
| Pre-tax net operating income | $7,288,000 | 1,022 |
| Securities gains (losses) | $129,000 | 1,533 |
| Applicable income taxes | $2,802,000 | 888 |
| Income before extraordinary items | $4,615,000 | 1,173 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,615,000 | 1,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $969,000 | 962 |
| Cash dividends | $6,000,000 | 528 |
| Sale, conversion, retirement of capital stock, net | $429,000 | 517 |
| Net operating income | $4,532,440 | 1,156 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $37,650,000 | 938 |
| Total interest expense | $15,928,000 | 1,098 |
| Net interest income | $21,722,000 | 806 |
| Provision for loan and lease losses | $800,000 | 1,277 |
| Total noninterest income | $2,651,000 | 1,505 |
| Gross Fiduciary activities income | $345,000 | 690 |
| Service charges on deposit accounts | $1,011,000 | 1,349 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,295,000 | 1,563 |
| Total noninterest expense | $15,303,000 | 923 |
| Salaries and employee benefits | $6,349,000 | 1,106 |
| Premises and equipment expense | $1,866,000 | 1,071 |
| Additional noninterest expense | $7,088,000 | 738 |
| Pre-tax net operating income | $8,270,000 | 936 |
| Securities gains (losses) | $-49,000 | 9,197 |
| Applicable income taxes | $3,103,000 | 805 |
| Income before extraordinary items | $5,118,000 | 1,047 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,118,000 | 1,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,534,000 | 340 |
| Cash dividends | $8,000,000 | 447 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,149,360 | 1,037 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $40,372,000 | 839 |
| Total interest expense | $16,024,000 | 965 |
| Net interest income | $24,348,000 | 735 |
| Provision for loan and lease losses | $1,200,000 | 831 |
| Total noninterest income | $2,459,000 | 1,588 |
| Gross Fiduciary activities income | $232,000 | 828 |
| Service charges on deposit accounts | $1,096,000 | 1,211 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,131,000 | 1,715 |
| Total noninterest expense | $20,089,000 | 763 |
| Salaries and employee benefits | $7,654,000 | 900 |
| Premises and equipment expense | $2,047,000 | 987 |
| Additional noninterest expense | $10,388,000 | 591 |
| Pre-tax net operating income | $5,518,000 | 1,378 |
| Securities gains (losses) | $-10,000 | 9,313 |
| Applicable income taxes | $2,307,000 | 1,089 |
| Income before extraordinary items | $3,201,000 | 1,666 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,201,000 | 1,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 1,308 |
| Cash dividends | $9,185,000 | 427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,207,400 | 1,636 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $22,252,000 | 1,449 |
| Total interest expense | $9,003,000 | 1,709 |
| Net interest income | $13,249,000 | 1,286 |
| Provision for loan and lease losses | $1,200,000 | 825 |
| Total noninterest income | $1,010,000 | 3,054 |
| Gross Fiduciary activities income | $102,000 | 1,008 |
| Service charges on deposit accounts | $605,000 | 2,120 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $303,000 | 3,997 |
| Total noninterest expense | $8,344,000 | 1,590 |
| Salaries and employee benefits | $4,336,000 | 1,513 |
| Premises and equipment expense | $1,380,000 | 1,418 |
| Additional noninterest expense | $2,628,000 | 1,639 |
| Pre-tax net operating income | $4,715,000 | 1,574 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,944,000 | 1,303 |
| Income before extraordinary items | $2,771,000 | 1,889 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,771,000 | 1,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 1,530 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,771,000 | 1,816 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,071,000 | 1,566 |
| Total interest expense | $8,476,000 | 1,827 |
| Net interest income | $12,595,000 | 1,371 |
| Provision for loan and lease losses | $1,200,000 | 849 |
| Total noninterest income | $799,000 | 3,572 |
| Gross Fiduciary activities income | $34,000 | 1,222 |
| Service charges on deposit accounts | $562,000 | 2,336 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $203,000 | 4,916 |
| Total noninterest expense | $8,209,000 | 1,607 |
| Salaries and employee benefits | $3,910,000 | 1,679 |
| Premises and equipment expense | $1,393,000 | 1,399 |
| Additional noninterest expense | $2,906,000 | 1,482 |
| Pre-tax net operating income | $3,985,000 | 1,889 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $1,948,000 | 1,362 |
| Income before extraordinary items | $2,044,000 | 2,534 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,044,000 | 2,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $906,000 | 857 |
| Cash dividends | $3,500,000 | 831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,039,520 | 2,486 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,648,000 | 1,718 |
| Total interest expense | $8,471,000 | 1,859 |
| Net interest income | $11,177,000 | 1,592 |
| Provision for loan and lease losses | $1,200,000 | 891 |
| Total noninterest income | $673,000 | 4,230 |
| Gross Fiduciary activities income | $3,000 | 1,477 |
| Service charges on deposit accounts | $446,000 | 3,037 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $224,000 | 4,874 |
| Total noninterest expense | $7,653,000 | 1,853 |
| Salaries and employee benefits | $3,549,000 | 1,862 |
| Premises and equipment expense | $1,256,000 | 1,630 |
| Additional noninterest expense | $2,848,000 | 1,821 |
| Pre-tax net operating income | $2,997,000 | 2,376 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,512,000 | 1,591 |
| Income before extraordinary items | $1,485,000 | 3,213 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,485,000 | 3,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,040,000 | 880 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,485,000 | 3,178 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,644,000 | 2,156 |
| Total interest expense | $7,238,000 | 2,144 |
| Net interest income | $8,406,000 | 2,135 |
| Provision for loan and lease losses | $950,000 | 984 |
| Total noninterest income | $518,000 | 5,060 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $295,000 | 4,351 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $223,000 | 4,811 |
| Total noninterest expense | $5,982,000 | 2,273 |
| Salaries and employee benefits | $2,360,000 | 2,827 |
| Premises and equipment expense | $975,000 | 2,063 |
| Additional noninterest expense | $2,647,000 | 1,888 |
| Pre-tax net operating income | $1,992,000 | 3,508 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $987,000 | 2,412 |
| Income before extraordinary items | $1,011,000 | 4,569 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,011,000 | 4,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $676,000 | 1,139 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $10,160,000 | 49 |
| Net operating income | $1,007,160 | 4,567 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,412,000 | 2,004 |
| Total interest expense | $5,929,000 | 2,108 |
| Net interest income | $9,483,000 | 1,904 |
| Provision for loan and lease losses | $1,410,000 | 737 |
| Total noninterest income | $571,000 | 4,829 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $368,000 | 3,668 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $203,000 | 5,218 |
| Total noninterest expense | $6,235,000 | 2,266 |
| Salaries and employee benefits | $2,792,000 | 2,399 |
| Premises and equipment expense | $1,095,000 | 1,869 |
| Additional noninterest expense | $2,348,000 | 2,260 |
| Pre-tax net operating income | $2,409,000 | 2,925 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $992,000 | 2,260 |
| Income before extraordinary items | $1,414,000 | 3,337 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,414,000 | 3,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,204,000 | 777 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,415,920 | 3,361 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,361,000 | 2,492 |
| Total interest expense | $5,513,000 | 2,343 |
| Net interest income | $6,848,000 | 2,634 |
| Provision for loan and lease losses | $960,000 | 1,337 |
| Total noninterest income | $499,000 | 5,608 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $280,000 | 4,691 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $219,000 | 5,394 |
| Total noninterest expense | $4,874,000 | 2,917 |
| Salaries and employee benefits | $2,242,000 | 2,934 |
| Premises and equipment expense | $835,000 | 2,449 |
| Additional noninterest expense | $1,797,000 | 2,992 |
| Pre-tax net operating income | $1,513,000 | 4,293 |
| Securities gains (losses) | $447,000 | 973 |
| Applicable income taxes | $758,000 | 2,878 |
| Income before extraordinary items | $1,202,000 | 4,018 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,202,000 | 4,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $928,000 | 1,207 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $915,920 | 4,802 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,292,000 | 2,652 |
| Total interest expense | $6,812,000 | 2,474 |
| Net interest income | $6,480,000 | 2,824 |
| Provision for loan and lease losses | $1,330,000 | 1,527 |
| Total noninterest income | $413,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $256,000 | 5,041 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $157,000 | 6,481 |
| Total noninterest expense | $4,372,000 | 3,246 |
| Salaries and employee benefits | $1,859,000 | 3,431 |
| Premises and equipment expense | $779,000 | 2,663 |
| Additional noninterest expense | $1,734,000 | 3,158 |
| Pre-tax net operating income | $1,191,000 | 4,937 |
| Securities gains (losses) | $390,000 | 1,305 |
| Applicable income taxes | $611,000 | 3,385 |
| Income before extraordinary items | $970,000 | 4,625 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $970,000 | 4,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,114,000 | 1,466 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 877 |
| Net operating income | $720,400 | 5,461 |
* 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.