Home > Alabama Exchange Bank > Income and Expense
Alabama Exchange Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $433,000 | 7,748 |
| Total interest expense | $79,000 | 8,205 |
| Net interest income | $354,000 | 7,228 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $88,000 | 5,689 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $56,000 | 4,576 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $32,000 | 5,807 |
| Total noninterest expense | $245,000 | 7,682 |
| Salaries and employee benefits | $165,000 | 7,374 |
| Premises and equipment expense | $13,000 | 8,175 |
| Additional noninterest expense | $67,000 | 7,671 |
| Pre-tax net operating income | $197,000 | 4,980 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $61,000 | 3,354 |
| Income before extraordinary items | $136,000 | 5,374 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $136,000 | 5,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,369 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $136,000 | 5,276 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,239,000 | 6,110 |
| Total interest expense | $897,000 | 7,322 |
| Net interest income | $3,342,000 | 5,195 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $870,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $484,000 | 3,111 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $386,000 | 3,802 |
| Total noninterest expense | $2,528,000 | 5,570 |
| Salaries and employee benefits | $1,512,000 | 5,277 |
| Premises and equipment expense | $209,000 | 6,637 |
| Additional noninterest expense | $807,000 | 5,319 |
| Pre-tax net operating income | $1,654,000 | 3,719 |
| Securities gains (losses) | $-68,000 | 8,074 |
| Applicable income taxes | $475,000 | 2,803 |
| Income before extraordinary items | $1,111,000 | 4,081 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,111,000 | 4,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 8,352 |
| Cash dividends | $1,080,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,158,600 | 4,005 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 6,124 |
| Total interest expense | $678,000 | 7,343 |
| Net interest income | $2,525,000 | 5,184 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $638,000 | 3,887 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $352,000 | 3,170 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $286,000 | 3,826 |
| Total noninterest expense | $1,901,000 | 5,531 |
| Salaries and employee benefits | $1,128,000 | 5,281 |
| Premises and equipment expense | $159,000 | 6,624 |
| Additional noninterest expense | $614,000 | 5,212 |
| Pre-tax net operating income | $1,232,000 | 3,886 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $371,000 | 2,905 |
| Income before extraordinary items | $861,000 | 4,205 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $861,000 | 4,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-104,000 | 8,390 |
| Cash dividends | $780,000 | 2,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $861,000 | 4,191 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,136,000 | 6,156 |
| Total interest expense | $462,000 | 7,341 |
| Net interest income | $1,674,000 | 5,230 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $421,000 | 3,922 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $217,000 | 3,349 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $204,000 | 3,747 |
| Total noninterest expense | $1,255,000 | 5,580 |
| Salaries and employee benefits | $743,000 | 5,359 |
| Premises and equipment expense | $105,000 | 6,671 |
| Additional noninterest expense | $407,000 | 5,246 |
| Pre-tax net operating income | $810,000 | 3,997 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $242,000 | 3,011 |
| Income before extraordinary items | $568,000 | 4,276 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $568,000 | 4,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-108,000 | 8,450 |
| Cash dividends | $520,000 | 2,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $568,000 | 4,266 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 6,146 |
| Total interest expense | $252,000 | 7,236 |
| Net interest income | $823,000 | 5,293 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $206,000 | 3,944 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $106,000 | 3,330 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $100,000 | 3,771 |
| Total noninterest expense | $622,000 | 5,639 |
| Salaries and employee benefits | $367,000 | 5,443 |
| Premises and equipment expense | $55,000 | 6,603 |
| Additional noninterest expense | $200,000 | 5,262 |
| Pre-tax net operating income | $377,000 | 4,133 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $108,000 | 3,167 |
| Income before extraordinary items | $269,000 | 4,400 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $269,000 | 4,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,785 |
| Cash dividends | $260,000 | 2,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $269,000 | 4,383 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,297,000 | 5,946 |
| Total interest expense | $946,000 | 7,040 |
| Net interest income | $3,351,000 | 5,195 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $797,000 | 4,057 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $482,000 | 3,136 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $315,000 | 4,210 |
| Total noninterest expense | $2,359,000 | 5,671 |
| Salaries and employee benefits | $1,423,000 | 5,372 |
| Premises and equipment expense | $220,000 | 6,512 |
| Additional noninterest expense | $716,000 | 5,570 |
| Pre-tax net operating income | $1,669,000 | 4,046 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $512,000 | 3,125 |
| Income before extraordinary items | $1,157,000 | 4,361 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,157,000 | 4,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,380 |
| Cash dividends | $1,070,000 | 2,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,157,000 | 4,340 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,222,000 | 5,965 |
| Total interest expense | $686,000 | 7,097 |
| Net interest income | $2,536,000 | 5,212 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $587,000 | 4,112 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $363,000 | 3,146 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $224,000 | 4,294 |
| Total noninterest expense | $1,818,000 | 5,559 |
| Salaries and employee benefits | $1,071,000 | 5,338 |
| Premises and equipment expense | $171,000 | 6,459 |
| Additional noninterest expense | $576,000 | 5,345 |
| Pre-tax net operating income | $1,215,000 | 4,269 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $374,000 | 3,266 |
| Income before extraordinary items | $841,000 | 4,584 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $841,000 | 4,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $800,000 | 2,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $841,000 | 4,576 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 5,966 |
| Total interest expense | $434,000 | 7,145 |
| Net interest income | $1,705,000 | 5,207 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $392,000 | 4,094 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $239,000 | 3,163 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $153,000 | 4,278 |
| Total noninterest expense | $1,205,000 | 5,601 |
| Salaries and employee benefits | $716,000 | 5,344 |
| Premises and equipment expense | $113,000 | 6,491 |
| Additional noninterest expense | $376,000 | 5,425 |
| Pre-tax net operating income | $832,000 | 4,235 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $260,000 | 3,238 |
| Income before extraordinary items | $572,000 | 4,562 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $572,000 | 4,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,835 |
| Cash dividends | $525,000 | 2,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $572,000 | 4,552 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 5,980 |
| Total interest expense | $213,000 | 7,112 |
| Net interest income | $836,000 | 5,269 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $217,000 | 3,804 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $121,000 | 3,061 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,801 |
| Total noninterest expense | $599,000 | 5,638 |
| Salaries and employee benefits | $359,000 | 5,361 |
| Premises and equipment expense | $59,000 | 6,404 |
| Additional noninterest expense | $181,000 | 5,491 |
| Pre-tax net operating income | $424,000 | 4,147 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $132,000 | 3,216 |
| Income before extraordinary items | $292,000 | 4,487 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $292,000 | 4,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $275,000 | 2,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $292,000 | 4,470 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,143,000 | 5,716 |
| Total interest expense | $744,000 | 6,919 |
| Net interest income | $3,399,000 | 5,111 |
| Provision for loan and lease losses | $235,000 | 3,312 |
| Total noninterest income | $805,000 | 4,027 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $535,000 | 2,915 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $270,000 | 4,567 |
| Total noninterest expense | $2,322,000 | 5,606 |
| Salaries and employee benefits | $1,411,000 | 5,261 |
| Premises and equipment expense | $234,000 | 6,375 |
| Additional noninterest expense | $677,000 | 5,689 |
| Pre-tax net operating income | $1,647,000 | 4,161 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $531,000 | 3,271 |
| Income before extraordinary items | $1,116,000 | 4,526 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,116,000 | 4,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,762 |
| Cash dividends | $1,050,000 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,116,000 | 4,482 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,080,000 | 5,720 |
| Total interest expense | $533,000 | 6,952 |
| Net interest income | $2,547,000 | 5,119 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $598,000 | 4,054 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $393,000 | 2,963 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $205,000 | 4,560 |
| Total noninterest expense | $1,768,000 | 5,538 |
| Salaries and employee benefits | $1,060,000 | 5,234 |
| Premises and equipment expense | $171,000 | 6,411 |
| Additional noninterest expense | $537,000 | 5,490 |
| Pre-tax net operating income | $1,227,000 | 4,255 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $396,000 | 3,343 |
| Income before extraordinary items | $831,000 | 4,658 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $831,000 | 4,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 1,406 |
| Cash dividends | $825,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $831,000 | 4,615 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,050,000 | 5,669 |
| Total interest expense | $338,000 | 6,961 |
| Net interest income | $1,712,000 | 5,093 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $409,000 | 3,999 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $270,000 | 2,834 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $139,000 | 4,488 |
| Total noninterest expense | $1,174,000 | 5,540 |
| Salaries and employee benefits | $709,000 | 5,206 |
| Premises and equipment expense | $114,000 | 6,411 |
| Additional noninterest expense | $351,000 | 5,514 |
| Pre-tax net operating income | $887,000 | 4,029 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $290,000 | 3,167 |
| Income before extraordinary items | $597,000 | 4,424 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $597,000 | 4,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,361 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $597,000 | 4,374 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,011,000 | 5,697 |
| Total interest expense | $162,000 | 7,021 |
| Net interest income | $849,000 | 5,146 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $209,000 | 3,864 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $128,000 | 2,879 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,172 |
| Total noninterest expense | $582,000 | 5,606 |
| Salaries and employee benefits | $354,000 | 5,256 |
| Premises and equipment expense | $56,000 | 6,500 |
| Additional noninterest expense | $172,000 | 5,558 |
| Pre-tax net operating income | $446,000 | 3,991 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $145,000 | 3,159 |
| Income before extraordinary items | $301,000 | 4,372 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $301,000 | 4,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $301,000 | 4,331 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,082,000 | 5,493 |
| Total interest expense | $656,000 | 6,739 |
| Net interest income | $3,426,000 | 4,975 |
| Provision for loan and lease losses | $150,000 | 4,230 |
| Total noninterest income | $813,000 | 4,009 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $566,000 | 2,840 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $247,000 | 4,673 |
| Total noninterest expense | $2,331,000 | 5,525 |
| Salaries and employee benefits | $1,390,000 | 5,203 |
| Premises and equipment expense | $222,000 | 6,499 |
| Additional noninterest expense | $719,000 | 5,430 |
| Pre-tax net operating income | $1,758,000 | 3,845 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $579,000 | 3,093 |
| Income before extraordinary items | $1,179,000 | 4,244 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,179,000 | 4,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,214 |
| Cash dividends | $1,125,000 | 2,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,179,000 | 4,183 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,065,000 | 5,484 |
| Total interest expense | $495,000 | 6,728 |
| Net interest income | $2,570,000 | 4,965 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $622,000 | 3,989 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $432,000 | 2,806 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $190,000 | 4,610 |
| Total noninterest expense | $1,743,000 | 5,503 |
| Salaries and employee benefits | $1,027,000 | 5,232 |
| Premises and equipment expense | $168,000 | 6,459 |
| Additional noninterest expense | $548,000 | 5,351 |
| Pre-tax net operating income | $1,329,000 | 3,898 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $439,000 | 3,136 |
| Income before extraordinary items | $890,000 | 4,307 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $890,000 | 4,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,375 |
| Cash dividends | $850,000 | 1,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $890,000 | 4,229 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,047,000 | 5,479 |
| Total interest expense | $333,000 | 6,738 |
| Net interest income | $1,714,000 | 4,956 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $414,000 | 4,015 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $282,000 | 2,849 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $132,000 | 4,565 |
| Total noninterest expense | $1,163,000 | 5,533 |
| Salaries and employee benefits | $687,000 | 5,243 |
| Premises and equipment expense | $107,000 | 6,627 |
| Additional noninterest expense | $369,000 | 5,341 |
| Pre-tax net operating income | $915,000 | 3,748 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $303,000 | 3,070 |
| Income before extraordinary items | $612,000 | 4,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $612,000 | 4,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,628 |
| Cash dividends | $575,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $612,000 | 4,103 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 5,502 |
| Total interest expense | $171,000 | 6,735 |
| Net interest income | $856,000 | 4,974 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $209,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $142,000 | 2,786 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $67,000 | 4,532 |
| Total noninterest expense | $582,000 | 5,551 |
| Salaries and employee benefits | $343,000 | 5,260 |
| Premises and equipment expense | $54,000 | 6,592 |
| Additional noninterest expense | $185,000 | 5,342 |
| Pre-tax net operating income | $463,000 | 3,721 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $154,000 | 3,042 |
| Income before extraordinary items | $309,000 | 4,187 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $309,000 | 4,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,853 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $309,000 | 4,064 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,113,000 | 5,540 |
| Total interest expense | $820,000 | 6,647 |
| Net interest income | $3,293,000 | 5,002 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $795,000 | 4,244 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $508,000 | 3,050 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $287,000 | 4,594 |
| Total noninterest expense | $2,311,000 | 5,501 |
| Salaries and employee benefits | $1,309,000 | 5,333 |
| Premises and equipment expense | $214,000 | 6,622 |
| Additional noninterest expense | $788,000 | 5,104 |
| Pre-tax net operating income | $1,657,000 | 3,854 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $554,000 | 3,212 |
| Income before extraordinary items | $1,103,000 | 4,371 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,103,000 | 4,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,256 |
| Cash dividends | $1,040,000 | 2,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,103,000 | 4,191 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,087,000 | 5,602 |
| Total interest expense | $647,000 | 6,667 |
| Net interest income | $2,440,000 | 5,054 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $607,000 | 4,255 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $377,000 | 3,087 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $230,000 | 4,528 |
| Total noninterest expense | $1,768,000 | 5,405 |
| Salaries and employee benefits | $971,000 | 5,356 |
| Premises and equipment expense | $158,000 | 6,660 |
| Additional noninterest expense | $639,000 | 4,791 |
| Pre-tax net operating income | $1,189,000 | 4,101 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $396,000 | 3,432 |
| Income before extraordinary items | $793,000 | 4,618 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $793,000 | 4,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,038 |
| Cash dividends | $810,000 | 1,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $793,000 | 4,441 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 5,594 |
| Total interest expense | $461,000 | 6,611 |
| Net interest income | $1,626,000 | 5,053 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $389,000 | 4,318 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $254,000 | 3,031 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $135,000 | 4,758 |
| Total noninterest expense | $1,200,000 | 5,334 |
| Salaries and employee benefits | $648,000 | 5,371 |
| Premises and equipment expense | $103,000 | 6,702 |
| Additional noninterest expense | $449,000 | 4,606 |
| Pre-tax net operating income | $755,000 | 4,218 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $248,000 | 3,563 |
| Income before extraordinary items | $507,000 | 4,766 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $507,000 | 4,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,967 |
| Cash dividends | $560,000 | 1,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $507,000 | 4,557 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,024,000 | 5,693 |
| Total interest expense | $246,000 | 6,539 |
| Net interest income | $778,000 | 5,200 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $192,000 | 4,272 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $131,000 | 2,877 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $61,000 | 4,883 |
| Total noninterest expense | $553,000 | 5,615 |
| Salaries and employee benefits | $321,000 | 5,412 |
| Premises and equipment expense | $51,000 | 6,736 |
| Additional noninterest expense | $181,000 | 5,325 |
| Pre-tax net operating income | $387,000 | 4,110 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $128,000 | 3,508 |
| Income before extraordinary items | $259,000 | 4,625 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $259,000 | 4,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,727 |
| Cash dividends | $240,000 | 2,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $259,000 | 4,415 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,794,000 | 5,315 |
| Total interest expense | $1,193,000 | 6,446 |
| Net interest income | $3,601,000 | 4,677 |
| Provision for loan and lease losses | $133,000 | 5,155 |
| Total noninterest income | $643,000 | 4,545 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $524,000 | 2,858 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $119,000 | 6,078 |
| Total noninterest expense | $2,370,000 | 5,269 |
| Salaries and employee benefits | $1,327,000 | 5,132 |
| Premises and equipment expense | $240,000 | 6,266 |
| Additional noninterest expense | $803,000 | 4,913 |
| Pre-tax net operating income | $1,741,000 | 3,740 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $551,000 | 3,265 |
| Income before extraordinary items | $1,190,000 | 4,109 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,190,000 | 4,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,450 |
| Cash dividends | $1,190,000 | 1,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,190,000 | 3,999 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,326,000 | 5,409 |
| Total interest expense | $1,811,000 | 6,399 |
| Net interest income | $3,515,000 | 4,543 |
| Provision for loan and lease losses | $160,000 | 4,638 |
| Total noninterest income | $681,000 | 4,258 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $497,000 | 2,851 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $184,000 | 5,112 |
| Total noninterest expense | $2,252,000 | 5,302 |
| Salaries and employee benefits | $1,244,000 | 5,178 |
| Premises and equipment expense | $239,000 | 6,220 |
| Additional noninterest expense | $769,000 | 4,923 |
| Pre-tax net operating income | $1,784,000 | 3,456 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $559,000 | 3,114 |
| Income before extraordinary items | $1,225,000 | 3,750 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,225,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 3,117 |
| Cash dividends | $1,275,000 | 1,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,225,000 | 3,634 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,593,000 | 5,328 |
| Total interest expense | $1,936,000 | 6,365 |
| Net interest income | $3,657,000 | 4,468 |
| Provision for loan and lease losses | $160,000 | 4,252 |
| Total noninterest income | $680,000 | 4,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 4,684 |
| Total noninterest expense | $1,992,000 | 5,693 |
| Salaries and employee benefits | $1,195,000 | 5,248 |
| Premises and equipment expense | $229,000 | 6,328 |
| Additional noninterest expense | $568,000 | 5,972 |
| Pre-tax net operating income | $2,185,000 | 3,106 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $747,000 | 2,643 |
| Income before extraordinary items | $1,438,000 | 3,362 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,438,000 | 3,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,466 |
| Cash dividends | $1,250,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,438,000 | 3,350 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,813,000 | 5,699 |
| Total interest expense | $1,590,000 | 6,746 |
| Net interest income | $3,223,000 | 4,908 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $683,000 | 4,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $485,000 | 2,703 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 4,959 |
| Total noninterest expense | $1,895,000 | 5,873 |
| Salaries and employee benefits | $1,127,000 | 5,408 |
| Premises and equipment expense | $223,000 | 6,448 |
| Additional noninterest expense | $545,000 | 6,184 |
| Pre-tax net operating income | $1,861,000 | 3,522 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $612,000 | 3,179 |
| Income before extraordinary items | $1,249,000 | 3,746 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,249,000 | 3,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,912 |
| Cash dividends | $1,250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,249,000 | 3,712 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,958,000 | 5,710 |
| Total interest expense | $1,726,000 | 6,714 |
| Net interest income | $3,232,000 | 4,886 |
| Provision for loan and lease losses | $280,000 | 2,772 |
| Total noninterest income | $708,000 | 3,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $518,000 | 2,477 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,093 |
| Total noninterest expense | $1,935,000 | 5,716 |
| Salaries and employee benefits | $1,128,000 | 5,309 |
| Premises and equipment expense | $249,000 | 5,974 |
| Additional noninterest expense | $558,000 | 6,036 |
| Pre-tax net operating income | $1,725,000 | 3,761 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $539,000 | 3,664 |
| Income before extraordinary items | $1,186,000 | 3,967 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,186,000 | 3,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,306 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,186,000 | 3,880 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,942,000 | 6,711 |
| Total interest expense | $1,089,000 | 8,436 |
| Net interest income | $2,853,000 | 5,510 |
| Provision for loan and lease losses | $22,000 | 7,821 |
| Total noninterest income | $446,000 | 5,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,372 |
| Total noninterest expense | $1,698,000 | 6,295 |
| Salaries and employee benefits | $1,039,000 | 5,721 |
| Premises and equipment expense | $211,000 | 6,647 |
| Additional noninterest expense | $448,000 | 6,945 |
| Pre-tax net operating income | $1,579,000 | 4,284 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $495,000 | 4,243 |
| Income before extraordinary items | $1,084,000 | 4,415 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,084,000 | 4,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $326,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,084,000 | 4,345 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,769,000 | 7,089 |
| Total interest expense | $959,000 | 9,155 |
| Net interest income | $2,810,000 | 5,709 |
| Provision for loan and lease losses | $109,000 | 4,905 |
| Total noninterest income | $451,000 | 5,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $385,000 | 3,448 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,243 |
| Total noninterest expense | $1,786,000 | 6,419 |
| Salaries and employee benefits | $983,000 | 6,073 |
| Premises and equipment expense | $254,000 | 6,196 |
| Additional noninterest expense | $549,000 | 6,684 |
| Pre-tax net operating income | $1,366,000 | 4,665 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $390,000 | 4,962 |
| Income before extraordinary items | $982,000 | 4,582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $982,000 | 4,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,939 |
| Cash dividends | $700,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $977,680 | 4,537 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,637,000 | 7,384 |
| Total interest expense | $885,000 | 9,676 |
| Net interest income | $2,752,000 | 5,890 |
| Provision for loan and lease losses | $492,000 | 1,595 |
| Total noninterest income | $527,000 | 4,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 6,838 |
| Total noninterest expense | $1,717,000 | 6,693 |
| Salaries and employee benefits | $917,000 | 6,481 |
| Premises and equipment expense | $265,000 | 6,131 |
| Additional noninterest expense | $535,000 | 6,995 |
| Pre-tax net operating income | $1,070,000 | 5,709 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $240,000 | 6,788 |
| Income before extraordinary items | $845,000 | 5,238 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $845,000 | 5,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 1,709 |
| Cash dividends | $750,000 | 2,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $833,300 | 5,271 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,231,000 | 7,719 |
| Total interest expense | $872,000 | 9,251 |
| Net interest income | $2,359,000 | 6,737 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $464,000 | 5,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,362 |
| Total noninterest expense | $1,746,000 | 6,848 |
| Salaries and employee benefits | $902,000 | 6,620 |
| Premises and equipment expense | $254,000 | 6,450 |
| Additional noninterest expense | $590,000 | 7,114 |
| Pre-tax net operating income | $1,017,000 | 5,880 |
| Securities gains (losses) | $8,000 | 2,362 |
| Applicable income taxes | $256,000 | 6,437 |
| Income before extraordinary items | $769,000 | 5,507 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $769,000 | 5,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,203 |
| Cash dividends | $575,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $763,000 | 5,611 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,091,000 | 8,188 |
| Total interest expense | $890,000 | 9,594 |
| Net interest income | $2,201,000 | 7,183 |
| Provision for loan and lease losses | $-41,000 | 12,698 |
| Total noninterest income | $584,000 | 5,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 6,134 |
| Total noninterest expense | $1,928,000 | 6,530 |
| Salaries and employee benefits | $902,000 | 6,698 |
| Premises and equipment expense | $226,000 | 7,166 |
| Additional noninterest expense | $800,000 | 5,927 |
| Pre-tax net operating income | $888,000 | 6,391 |
| Securities gains (losses) | $27,000 | 4,244 |
| Applicable income taxes | $199,000 | 7,638 |
| Income before extraordinary items | $716,000 | 6,020 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $716,000 | 6,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $500,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $694,940 | 5,876 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,391,000 | 8,340 |
| Total interest expense | $1,270,000 | 9,363 |
| Net interest income | $2,121,000 | 7,439 |
| Provision for loan and lease losses | $340,000 | 3,839 |
| Total noninterest income | $472,000 | 5,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,761 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,856 |
| Total noninterest expense | $1,650,000 | 7,408 |
| Salaries and employee benefits | $853,000 | 6,918 |
| Premises and equipment expense | $231,000 | 7,148 |
| Additional noninterest expense | $566,000 | 7,804 |
| Pre-tax net operating income | $603,000 | 7,693 |
| Securities gains (losses) | $187,000 | 2,104 |
| Applicable income taxes | $172,000 | 8,127 |
| Income before extraordinary items | $618,000 | 6,449 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $618,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 3,118 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $472,140 | 7,202 |
* 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.