Home > Williamsburg National Bank > Income and Expense
Williamsburg National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,748,000 | 5,744 |
| Total interest expense | $1,545,000 | 5,801 |
| Net interest income | $2,203,000 | 5,591 |
| Provision for loan and lease losses | $10,000 | 6,151 |
| Total noninterest income | $502,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $387,000 | 2,985 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $115,000 | 5,553 |
| Total noninterest expense | $1,679,000 | 5,888 |
| Salaries and employee benefits | $833,000 | 6,193 |
| Premises and equipment expense | $212,000 | 5,931 |
| Additional noninterest expense | $634,000 | 5,119 |
| Pre-tax net operating income | $1,016,000 | 4,319 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $335,000 | 3,041 |
| Income before extraordinary items | $681,000 | 4,730 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $681,000 | 4,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,266 |
| Cash dividends | $225,000 | 3,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $681,000 | 4,722 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,451,000 | 5,822 |
| Total interest expense | $1,009,000 | 5,850 |
| Net interest income | $1,442,000 | 5,676 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $308,000 | 4,600 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $236,000 | 3,140 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $72,000 | 5,691 |
| Total noninterest expense | $1,069,000 | 6,055 |
| Salaries and employee benefits | $532,000 | 6,349 |
| Premises and equipment expense | $133,000 | 6,120 |
| Additional noninterest expense | $404,000 | 5,272 |
| Pre-tax net operating income | $681,000 | 4,382 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $224,000 | 3,116 |
| Income before extraordinary items | $457,000 | 4,770 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $457,000 | 4,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 7,920 |
| Cash dividends | $225,000 | 3,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $457,000 | 4,766 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,208,000 | 5,860 |
| Total interest expense | $484,000 | 5,947 |
| Net interest income | $724,000 | 5,673 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $148,000 | 4,668 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $108,000 | 3,287 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $40,000 | 5,516 |
| Total noninterest expense | $538,000 | 6,087 |
| Salaries and employee benefits | $262,000 | 6,426 |
| Premises and equipment expense | $69,000 | 6,070 |
| Additional noninterest expense | $207,000 | 5,160 |
| Pre-tax net operating income | $334,000 | 4,414 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $111,000 | 3,133 |
| Income before extraordinary items | $223,000 | 4,817 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $223,000 | 4,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,145 |
| Cash dividends | $225,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $223,000 | 4,788 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,641,000 | 5,755 |
| Total interest expense | $1,641,000 | 5,906 |
| Net interest income | $3,000,000 | 5,525 |
| Provision for loan and lease losses | $36,000 | 5,879 |
| Total noninterest income | $622,000 | 4,642 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $474,000 | 3,176 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $148,000 | 5,635 |
| Total noninterest expense | $2,208,000 | 5,865 |
| Salaries and employee benefits | $1,055,000 | 6,282 |
| Premises and equipment expense | $272,000 | 5,990 |
| Additional noninterest expense | $881,000 | 4,927 |
| Pre-tax net operating income | $1,378,000 | 4,483 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $454,000 | 3,281 |
| Income before extraordinary items | $924,000 | 4,877 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $924,000 | 4,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,801 |
| Cash dividends | $835,000 | 2,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $924,000 | 4,874 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,441,000 | 5,788 |
| Total interest expense | $1,180,000 | 5,950 |
| Net interest income | $2,261,000 | 5,555 |
| Provision for loan and lease losses | $35,000 | 5,538 |
| Total noninterest income | $474,000 | 4,630 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $362,000 | 3,149 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $112,000 | 5,632 |
| Total noninterest expense | $1,628,000 | 5,908 |
| Salaries and employee benefits | $791,000 | 6,263 |
| Premises and equipment expense | $205,000 | 6,000 |
| Additional noninterest expense | $632,000 | 5,042 |
| Pre-tax net operating income | $1,072,000 | 4,577 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $352,000 | 3,357 |
| Income before extraordinary items | $720,000 | 4,952 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $720,000 | 4,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,187 |
| Cash dividends | $620,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $720,000 | 4,943 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,270,000 | 5,789 |
| Total interest expense | $747,000 | 5,986 |
| Net interest income | $1,523,000 | 5,541 |
| Provision for loan and lease losses | $35,000 | 4,878 |
| Total noninterest income | $307,000 | 4,674 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $241,000 | 3,143 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $66,000 | 5,904 |
| Total noninterest expense | $1,072,000 | 5,957 |
| Salaries and employee benefits | $526,000 | 6,301 |
| Premises and equipment expense | $133,000 | 6,083 |
| Additional noninterest expense | $413,000 | 5,093 |
| Pre-tax net operating income | $723,000 | 4,559 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $242,000 | 3,352 |
| Income before extraordinary items | $481,000 | 4,981 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $481,000 | 4,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $481,000 | 4,974 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,133,000 | 5,763 |
| Total interest expense | $368,000 | 5,909 |
| Net interest income | $765,000 | 5,542 |
| Provision for loan and lease losses | $21,000 | 4,472 |
| Total noninterest income | $148,000 | 4,717 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $116,000 | 3,138 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $526,000 | 6,027 |
| Salaries and employee benefits | $259,000 | 6,362 |
| Premises and equipment expense | $64,000 | 6,199 |
| Additional noninterest expense | $203,000 | 5,132 |
| Pre-tax net operating income | $366,000 | 4,489 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $122,000 | 3,320 |
| Income before extraordinary items | $244,000 | 4,906 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $244,000 | 4,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $225,000 | 2,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $244,000 | 4,888 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,322,000 | 5,600 |
| Total interest expense | $1,303,000 | 5,612 |
| Net interest income | $3,019,000 | 5,488 |
| Provision for loan and lease losses | $83,000 | 5,092 |
| Total noninterest income | $626,000 | 4,685 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $501,000 | 3,053 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $125,000 | 6,044 |
| Total noninterest expense | $1,971,000 | 6,159 |
| Salaries and employee benefits | $930,000 | 6,548 |
| Premises and equipment expense | $249,000 | 6,219 |
| Additional noninterest expense | $792,000 | 5,202 |
| Pre-tax net operating income | $1,591,000 | 4,238 |
| Securities gains (losses) | $23,000 | 1,207 |
| Applicable income taxes | $536,000 | 3,252 |
| Income before extraordinary items | $1,078,000 | 4,637 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,078,000 | 4,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,872 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,062,590 | 4,632 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,215,000 | 5,598 |
| Total interest expense | $934,000 | 5,629 |
| Net interest income | $2,281,000 | 5,479 |
| Provision for loan and lease losses | $62,000 | 4,925 |
| Total noninterest income | $472,000 | 4,702 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $382,000 | 3,012 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $90,000 | 6,109 |
| Total noninterest expense | $1,419,000 | 6,252 |
| Salaries and employee benefits | $684,000 | 6,609 |
| Premises and equipment expense | $180,000 | 6,291 |
| Additional noninterest expense | $555,000 | 5,376 |
| Pre-tax net operating income | $1,272,000 | 4,171 |
| Securities gains (losses) | $23,000 | 1,178 |
| Applicable income taxes | $429,000 | 3,210 |
| Income before extraordinary items | $866,000 | 4,551 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $866,000 | 4,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,271 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $850,590 | 4,556 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,123,000 | 5,565 |
| Total interest expense | $596,000 | 5,584 |
| Net interest income | $1,527,000 | 5,451 |
| Provision for loan and lease losses | $42,000 | 4,804 |
| Total noninterest income | $308,000 | 4,726 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $239,000 | 3,102 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $69,000 | 5,906 |
| Total noninterest expense | $929,000 | 6,307 |
| Salaries and employee benefits | $452,000 | 6,628 |
| Premises and equipment expense | $114,000 | 6,411 |
| Additional noninterest expense | $363,000 | 5,412 |
| Pre-tax net operating income | $864,000 | 4,094 |
| Securities gains (losses) | $23,000 | 1,061 |
| Applicable income taxes | $295,000 | 3,133 |
| Income before extraordinary items | $592,000 | 4,446 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $592,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $576,590 | 4,464 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,042,000 | 5,604 |
| Total interest expense | $279,000 | 5,671 |
| Net interest income | $763,000 | 5,482 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $138,000 | 4,920 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $105,000 | 3,325 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $33,000 | 6,001 |
| Total noninterest expense | $454,000 | 6,402 |
| Salaries and employee benefits | $228,000 | 6,652 |
| Premises and equipment expense | $54,000 | 6,573 |
| Additional noninterest expense | $172,000 | 5,558 |
| Pre-tax net operating income | $426,000 | 4,098 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $140,000 | 3,214 |
| Income before extraordinary items | $286,000 | 4,505 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $286,000 | 4,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,314 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $286,000 | 4,463 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,370,000 | 5,278 |
| Total interest expense | $1,045,000 | 5,535 |
| Net interest income | $3,325,000 | 5,082 |
| Provision for loan and lease losses | $118,000 | 4,767 |
| Total noninterest income | $595,000 | 4,837 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $491,000 | 3,184 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $104,000 | 6,343 |
| Total noninterest expense | $2,096,000 | 5,860 |
| Salaries and employee benefits | $974,000 | 6,359 |
| Premises and equipment expense | $276,000 | 5,921 |
| Additional noninterest expense | $846,000 | 4,914 |
| Pre-tax net operating income | $1,706,000 | 3,918 |
| Securities gains (losses) | $229,000 | 765 |
| Applicable income taxes | $642,000 | 2,917 |
| Income before extraordinary items | $1,293,000 | 4,003 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,293,000 | 4,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,542 |
| Cash dividends | $750,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,139,570 | 4,268 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,302,000 | 5,236 |
| Total interest expense | $785,000 | 5,499 |
| Net interest income | $2,517,000 | 5,039 |
| Provision for loan and lease losses | $97,000 | 4,340 |
| Total noninterest income | $446,000 | 4,858 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $369,000 | 3,203 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 6,376 |
| Total noninterest expense | $1,580,000 | 5,809 |
| Salaries and employee benefits | $752,000 | 6,237 |
| Premises and equipment expense | $197,000 | 6,027 |
| Additional noninterest expense | $631,000 | 4,886 |
| Pre-tax net operating income | $1,286,000 | 3,985 |
| Securities gains (losses) | $224,000 | 720 |
| Applicable income taxes | $502,000 | 2,895 |
| Income before extraordinary items | $1,008,000 | 3,972 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,008,000 | 3,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $575,000 | 2,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $857,920 | 4,343 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,234,000 | 5,191 |
| Total interest expense | $532,000 | 5,472 |
| Net interest income | $1,702,000 | 4,986 |
| Provision for loan and lease losses | $42,000 | 4,959 |
| Total noninterest income | $284,000 | 4,955 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $234,000 | 3,289 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $50,000 | 6,428 |
| Total noninterest expense | $1,043,000 | 5,875 |
| Salaries and employee benefits | $498,000 | 6,310 |
| Premises and equipment expense | $128,000 | 6,144 |
| Additional noninterest expense | $417,000 | 4,922 |
| Pre-tax net operating income | $901,000 | 3,802 |
| Securities gains (losses) | $139,000 | 830 |
| Applicable income taxes | $346,000 | 2,822 |
| Income before extraordinary items | $694,000 | 3,863 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $694,000 | 3,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,035 |
| Cash dividends | $575,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $600,870 | 4,157 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,134,000 | 5,165 |
| Total interest expense | $275,000 | 5,436 |
| Net interest income | $859,000 | 4,959 |
| Provision for loan and lease losses | $21,000 | 4,750 |
| Total noninterest income | $139,000 | 4,970 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $110,000 | 3,351 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $29,000 | 6,170 |
| Total noninterest expense | $521,000 | 5,913 |
| Salaries and employee benefits | $246,000 | 6,394 |
| Premises and equipment expense | $64,000 | 6,144 |
| Additional noninterest expense | $211,000 | 4,880 |
| Pre-tax net operating income | $456,000 | 3,757 |
| Securities gains (losses) | $139,000 | 652 |
| Applicable income taxes | $195,000 | 2,622 |
| Income before extraordinary items | $400,000 | 3,503 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $400,000 | 3,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $325,000 | 1,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $306,870 | 4,093 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,862,000 | 4,992 |
| Total interest expense | $1,240,000 | 5,466 |
| Net interest income | $3,622,000 | 4,680 |
| Provision for loan and lease losses | $235,000 | 3,720 |
| Total noninterest income | $621,000 | 4,867 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $433,000 | 3,471 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $188,000 | 5,408 |
| Total noninterest expense | $1,898,000 | 6,164 |
| Salaries and employee benefits | $825,000 | 6,825 |
| Premises and equipment expense | $259,000 | 6,074 |
| Additional noninterest expense | $814,000 | 4,991 |
| Pre-tax net operating income | $2,110,000 | 3,275 |
| Securities gains (losses) | $196,000 | 1,357 |
| Applicable income taxes | $765,000 | 2,616 |
| Income before extraordinary items | $1,541,000 | 3,501 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,541,000 | 3,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,107 |
| Cash dividends | $1,500,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,409,680 | 3,554 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,667,000 | 5,024 |
| Total interest expense | $947,000 | 5,541 |
| Net interest income | $2,720,000 | 4,700 |
| Provision for loan and lease losses | $183,000 | 3,481 |
| Total noninterest income | $455,000 | 4,984 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $312,000 | 3,579 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $143,000 | 5,434 |
| Total noninterest expense | $1,366,000 | 6,272 |
| Salaries and employee benefits | $583,000 | 6,992 |
| Premises and equipment expense | $176,000 | 6,369 |
| Additional noninterest expense | $607,000 | 4,961 |
| Pre-tax net operating income | $1,626,000 | 3,343 |
| Securities gains (losses) | $173,000 | 1,319 |
| Applicable income taxes | $598,000 | 2,672 |
| Income before extraordinary items | $1,201,000 | 3,502 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,201,000 | 3,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,155 |
| Cash dividends | $1,150,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,085,090 | 3,619 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,439,000 | 5,071 |
| Total interest expense | $643,000 | 5,611 |
| Net interest income | $1,796,000 | 4,717 |
| Provision for loan and lease losses | $137,000 | 3,264 |
| Total noninterest income | $299,000 | 4,991 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $193,000 | 3,709 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $106,000 | 5,230 |
| Total noninterest expense | $886,000 | 6,385 |
| Salaries and employee benefits | $383,000 | 7,054 |
| Premises and equipment expense | $111,000 | 6,499 |
| Additional noninterest expense | $392,000 | 5,079 |
| Pre-tax net operating income | $1,072,000 | 3,349 |
| Securities gains (losses) | $173,000 | 1,135 |
| Applicable income taxes | $393,000 | 2,724 |
| Income before extraordinary items | $852,000 | 3,344 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $852,000 | 3,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,896 |
| Cash dividends | $800,000 | 1,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $734,360 | 3,540 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,216,000 | 5,098 |
| Total interest expense | $328,000 | 5,670 |
| Net interest income | $888,000 | 4,746 |
| Provision for loan and lease losses | $96,000 | 2,441 |
| Total noninterest income | $137,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $93,000 | 3,718 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $44,000 | 5,509 |
| Total noninterest expense | $444,000 | 6,381 |
| Salaries and employee benefits | $196,000 | 7,027 |
| Premises and equipment expense | $53,000 | 6,622 |
| Additional noninterest expense | $195,000 | 5,052 |
| Pre-tax net operating income | $485,000 | 3,579 |
| Securities gains (losses) | $167,000 | 729 |
| Applicable income taxes | $215,000 | 2,571 |
| Income before extraordinary items | $437,000 | 3,252 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $437,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,967 |
| Cash dividends | $450,000 | 1,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $325,110 | 3,824 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,830,000 | 5,297 |
| Total interest expense | $1,555,000 | 5,614 |
| Net interest income | $3,275,000 | 4,985 |
| Provision for loan and lease losses | $111,000 | 5,538 |
| Total noninterest income | $567,000 | 4,874 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $360,000 | 3,795 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $207,000 | 4,943 |
| Total noninterest expense | $1,614,000 | 6,624 |
| Salaries and employee benefits | $658,000 | 7,461 |
| Premises and equipment expense | $223,000 | 6,487 |
| Additional noninterest expense | $733,000 | 5,251 |
| Pre-tax net operating income | $2,117,000 | 3,305 |
| Securities gains (losses) | $42,000 | 2,561 |
| Applicable income taxes | $725,000 | 2,770 |
| Income before extraordinary items | $1,434,000 | 3,613 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,434,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,939 |
| Cash dividends | $1,435,000 | 1,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,406,280 | 3,561 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,756,000 | 5,790 |
| Total interest expense | $2,218,000 | 5,785 |
| Net interest income | $2,538,000 | 5,668 |
| Provision for loan and lease losses | $95,000 | 5,715 |
| Total noninterest income | $532,000 | 4,906 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $307,000 | 4,106 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $225,000 | 4,695 |
| Total noninterest expense | $1,300,000 | 7,229 |
| Salaries and employee benefits | $526,000 | 8,043 |
| Premises and equipment expense | $169,000 | 7,229 |
| Additional noninterest expense | $605,000 | 5,802 |
| Pre-tax net operating income | $1,675,000 | 3,593 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $567,000 | 3,070 |
| Income before extraordinary items | $1,112,000 | 4,002 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,112,000 | 4,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,241 |
| Cash dividends | $565,000 | 3,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,109,360 | 3,886 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,740,000 | 5,930 |
| Total interest expense | $2,545,000 | 5,495 |
| Net interest income | $2,195,000 | 6,279 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $457,000 | 5,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,245 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,078 |
| Total noninterest expense | $1,237,000 | 7,398 |
| Salaries and employee benefits | $463,000 | 8,433 |
| Premises and equipment expense | $164,000 | 7,343 |
| Additional noninterest expense | $610,000 | 5,722 |
| Pre-tax net operating income | $1,345,000 | 4,398 |
| Securities gains (losses) | $46,000 | 727 |
| Applicable income taxes | $469,000 | 3,625 |
| Income before extraordinary items | $922,000 | 4,618 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $922,000 | 4,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $450,000 | 3,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $891,640 | 4,711 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,104,000 | 6,272 |
| Total interest expense | $1,961,000 | 6,069 |
| Net interest income | $2,143,000 | 6,389 |
| Provision for loan and lease losses | $89,000 | 5,507 |
| Total noninterest income | $411,000 | 5,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,609 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 5,316 |
| Total noninterest expense | $1,168,000 | 7,653 |
| Salaries and employee benefits | $397,000 | 8,904 |
| Premises and equipment expense | $183,000 | 7,076 |
| Additional noninterest expense | $588,000 | 5,908 |
| Pre-tax net operating income | $1,297,000 | 4,524 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $437,000 | 3,930 |
| Income before extraordinary items | $864,000 | 4,855 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $864,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $265,000 | 4,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $861,360 | 4,824 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,655,000 | 6,790 |
| Total interest expense | $1,760,000 | 6,632 |
| Net interest income | $1,895,000 | 6,869 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $336,000 | 6,139 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 4,973 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,149 |
| Total noninterest expense | $1,118,000 | 7,769 |
| Salaries and employee benefits | $502,000 | 8,346 |
| Premises and equipment expense | $143,000 | 7,816 |
| Additional noninterest expense | $473,000 | 6,624 |
| Pre-tax net operating income | $1,053,000 | 5,265 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $355,000 | 4,722 |
| Income before extraordinary items | $704,000 | 5,604 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $704,000 | 5,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $270,000 | 4,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $700,040 | 5,504 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,401,000 | 7,291 |
| Total interest expense | $1,597,000 | 7,124 |
| Net interest income | $1,804,000 | 7,311 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $321,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,733 |
| Total noninterest expense | $1,174,000 | 7,762 |
| Salaries and employee benefits | $644,000 | 7,644 |
| Premises and equipment expense | $150,000 | 7,796 |
| Additional noninterest expense | $380,000 | 7,527 |
| Pre-tax net operating income | $921,000 | 6,081 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $312,000 | 5,615 |
| Income before extraordinary items | $609,000 | 6,310 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $609,000 | 6,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,879 |
| Cash dividends | $190,000 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $609,000 | 6,253 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,194,000 | 7,736 |
| Total interest expense | $1,494,000 | 7,592 |
| Net interest income | $1,700,000 | 7,776 |
| Provision for loan and lease losses | $42,000 | 6,906 |
| Total noninterest income | $296,000 | 6,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,700 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 6,999 |
| Total noninterest expense | $1,078,000 | 8,410 |
| Salaries and employee benefits | $595,000 | 8,167 |
| Premises and equipment expense | $138,000 | 8,337 |
| Additional noninterest expense | $345,000 | 8,413 |
| Pre-tax net operating income | $876,000 | 6,180 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $294,000 | 5,902 |
| Income before extraordinary items | $582,000 | 6,386 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $582,000 | 6,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,856 |
| Cash dividends | $130,000 | 6,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $582,000 | 6,316 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,747,000 | 8,569 |
| Total interest expense | $1,419,000 | 7,922 |
| Net interest income | $1,328,000 | 8,985 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $262,000 | 7,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,184 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,639 |
| Total noninterest expense | $1,094,000 | 8,599 |
| Salaries and employee benefits | $528,000 | 8,873 |
| Premises and equipment expense | $130,000 | 8,799 |
| Additional noninterest expense | $436,000 | 7,846 |
| Pre-tax net operating income | $496,000 | 8,462 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $168,000 | 7,963 |
| Income before extraordinary items | $334,000 | 8,621 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $334,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,709 |
| Cash dividends | $45,000 | 7,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $329,980 | 8,636 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,292,000 | 9,275 |
| Total interest expense | $977,000 | 8,793 |
| Net interest income | $1,315,000 | 9,414 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $218,000 | 8,425 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $1,052,000 | 9,151 |
| Salaries and employee benefits | $520,000 | 9,203 |
| Premises and equipment expense | $117,000 | 9,478 |
| Additional noninterest expense | $415,000 | 8,674 |
| Pre-tax net operating income | $421,000 | 9,193 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $146,000 | 8,391 |
| Income before extraordinary items | $275,000 | 9,427 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $275,000 | 9,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,864 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,153 |
| Net operating income | $275,000 | 9,478 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,094,000 | 9,996 |
| Total interest expense | $872,000 | 9,679 |
| Net interest income | $1,222,000 | 10,000 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $179,000 | 9,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,974 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,332 |
| Total noninterest expense | $998,000 | 9,730 |
| Salaries and employee benefits | $495,000 | 9,722 |
| Premises and equipment expense | $104,000 | 10,324 |
| Additional noninterest expense | $399,000 | 9,275 |
| Pre-tax net operating income | $343,000 | 9,870 |
| Securities gains (losses) | $90,000 | 2,648 |
| Applicable income taxes | $138,000 | 8,903 |
| Income before extraordinary items | $295,000 | 9,542 |
| Extraordinary gains, net | $76,000 | 1,827 |
| Net income | $371,000 | 8,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,593 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,209 |
| Net operating income | $233,800 | 9,991 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,179,000 | 10,519 |
| Total interest expense | $1,018,000 | 10,315 |
| Net interest income | $1,161,000 | 10,472 |
| Provision for loan and lease losses | $336,000 | 3,872 |
| Total noninterest income | $173,000 | 9,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,672 |
| Total noninterest expense | $967,000 | 10,133 |
| Salaries and employee benefits | $459,000 | 10,213 |
| Premises and equipment expense | $91,000 | 11,073 |
| Additional noninterest expense | $417,000 | 9,367 |
| Pre-tax net operating income | $31,000 | 12,528 |
| Securities gains (losses) | $103,000 | 2,957 |
| Applicable income taxes | $43,000 | 11,451 |
| Income before extraordinary items | $91,000 | 12,057 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $91,000 | 12,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 4,162 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,141 |
| Net operating income | $20,960 | 12,535 |
* 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.