Home > ANB Financial > Income and Expense
ANB Financial, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $33,743,000 | 336 |
| Total interest expense | $24,410,000 | 223 |
| Net interest income | $9,333,000 | 589 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $1,169,000 | 1,176 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $786,000 | 536 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $383,000 | 1,681 |
| Total noninterest expense | $10,368,000 | 480 |
| Salaries and employee benefits | $4,396,000 | 575 |
| Premises and equipment expense | $1,309,000 | 530 |
| Additional noninterest expense | $4,663,000 | 358 |
| Pre-tax net operating income | $134,000 | 5,612 |
| Securities gains (losses) | $557,000 | 223 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $691,000 | 2,053 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $691,000 | 2,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,947,000 | 292 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $134,000 | 5,303 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $169,691,000 | 290 |
| Total interest expense | $89,292,000 | 261 |
| Net interest income | $80,399,000 | 319 |
| Provision for loan and lease losses | $165,498,000 | 48 |
| Total noninterest income | $8,023,000 | 742 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,483,000 | 498 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,540,000 | 743 |
| Total noninterest expense | $43,443,000 | 451 |
| Salaries and employee benefits | $12,507,000 | 781 |
| Premises and equipment expense | $3,158,000 | 838 |
| Additional noninterest expense | $27,778,000 | 272 |
| Pre-tax net operating income | $-120,519,000 | 8,531 |
| Securities gains (losses) | $92,000 | 626 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-120,427,000 | 8,523 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-120,427,000 | 8,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,002,000 | 56 |
| Cash dividends | $13,339,000 | 328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-120,519,000 | 8,523 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $137,645,000 | 267 |
| Total interest expense | $64,383,000 | 268 |
| Net interest income | $73,262,000 | 256 |
| Provision for loan and lease losses | $34,699,000 | 77 |
| Total noninterest income | $7,092,000 | 638 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,521,000 | 505 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,571,000 | 586 |
| Total noninterest expense | $29,103,000 | 493 |
| Salaries and employee benefits | $8,124,000 | 910 |
| Premises and equipment expense | $2,137,000 | 913 |
| Additional noninterest expense | $18,842,000 | 279 |
| Pre-tax net operating income | $16,552,000 | 460 |
| Securities gains (losses) | $82,000 | 532 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $16,634,000 | 365 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $16,634,000 | 363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,212,000 | 132 |
| Cash dividends | $7,682,000 | 398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $16,552,000 | 362 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $89,248,000 | 281 |
| Total interest expense | $41,268,000 | 280 |
| Net interest income | $47,980,000 | 272 |
| Provision for loan and lease losses | $18,805,000 | 78 |
| Total noninterest income | $4,245,000 | 727 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,638,000 | 528 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,607,000 | 677 |
| Total noninterest expense | $19,266,000 | 513 |
| Salaries and employee benefits | $6,141,000 | 821 |
| Premises and equipment expense | $1,347,000 | 969 |
| Additional noninterest expense | $11,778,000 | 301 |
| Pre-tax net operating income | $14,154,000 | 426 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $14,154,000 | 320 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $14,154,000 | 319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,101,000 | 112 |
| Cash dividends | $3,641,000 | 549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $14,154,000 | 318 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $42,418,000 | 290 |
| Total interest expense | $19,532,000 | 289 |
| Net interest income | $22,886,000 | 284 |
| Provision for loan and lease losses | $13,610,000 | 61 |
| Total noninterest income | $2,245,000 | 681 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $801,000 | 519 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,444,000 | 619 |
| Total noninterest expense | $8,913,000 | 540 |
| Salaries and employee benefits | $2,173,000 | 1,180 |
| Premises and equipment expense | $819,000 | 825 |
| Additional noninterest expense | $5,921,000 | 292 |
| Pre-tax net operating income | $2,608,000 | 906 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $2,608,000 | 696 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,608,000 | 695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,478,000 | 112 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,608,000 | 684 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $122,819,000 | 357 |
| Total interest expense | $57,037,000 | 324 |
| Net interest income | $65,782,000 | 361 |
| Provision for loan and lease losses | $12,582,000 | 120 |
| Total noninterest income | $9,888,000 | 619 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,720,000 | 467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,168,000 | 581 |
| Total noninterest expense | $33,802,000 | 539 |
| Salaries and employee benefits | $12,341,000 | 766 |
| Premises and equipment expense | $2,849,000 | 891 |
| Additional noninterest expense | $18,612,000 | 348 |
| Pre-tax net operating income | $29,286,000 | 420 |
| Securities gains (losses) | $-55,000 | 7,979 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $29,231,000 | 316 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $29,231,000 | 314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,133,000 | 367 |
| Cash dividends | $17,691,000 | 254 |
| Sale, conversion, retirement of capital stock, net | $47,700,000 | 20 |
| Net operating income | $29,286,000 | 312 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $83,299,000 | 401 |
| Total interest expense | $39,069,000 | 349 |
| Net interest income | $44,230,000 | 416 |
| Provision for loan and lease losses | $7,236,000 | 144 |
| Total noninterest income | $7,153,000 | 651 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,786,000 | 471 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,367,000 | 612 |
| Total noninterest expense | $23,812,000 | 588 |
| Salaries and employee benefits | $8,661,000 | 838 |
| Premises and equipment expense | $1,598,000 | 1,219 |
| Additional noninterest expense | $13,553,000 | 363 |
| Pre-tax net operating income | $20,335,000 | 460 |
| Securities gains (losses) | $-55,000 | 8,216 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $20,280,000 | 353 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $20,280,000 | 352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,481,000 | 344 |
| Cash dividends | $16,076,000 | 216 |
| Sale, conversion, retirement of capital stock, net | $26,700,000 | 35 |
| Net operating income | $20,335,000 | 346 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $51,695,000 | 413 |
| Total interest expense | $24,140,000 | 361 |
| Net interest income | $27,555,000 | 436 |
| Provision for loan and lease losses | $4,995,000 | 138 |
| Total noninterest income | $5,086,000 | 612 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,803,000 | 476 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,283,000 | 563 |
| Total noninterest expense | $14,826,000 | 627 |
| Salaries and employee benefits | $5,612,000 | 879 |
| Premises and equipment expense | $1,103,000 | 1,165 |
| Additional noninterest expense | $8,111,000 | 400 |
| Pre-tax net operating income | $12,820,000 | 472 |
| Securities gains (losses) | $-55,000 | 8,388 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $12,765,000 | 365 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $12,765,000 | 364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,257,000 | 285 |
| Cash dividends | $10,770,000 | 207 |
| Sale, conversion, retirement of capital stock, net | $21,700,000 | 29 |
| Net operating income | $12,820,000 | 358 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $23,966,000 | 429 |
| Total interest expense | $10,955,000 | 377 |
| Net interest income | $13,011,000 | 452 |
| Provision for loan and lease losses | $2,738,000 | 127 |
| Total noninterest income | $3,201,000 | 528 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $860,000 | 477 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,341,000 | 443 |
| Total noninterest expense | $7,108,000 | 645 |
| Salaries and employee benefits | $2,721,000 | 899 |
| Premises and equipment expense | $523,000 | 1,243 |
| Additional noninterest expense | $3,864,000 | 403 |
| Pre-tax net operating income | $6,366,000 | 469 |
| Securities gains (losses) | $-54,000 | 8,584 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $6,312,000 | 365 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,312,000 | 363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $711,000 | 259 |
| Cash dividends | $6,396,000 | 167 |
| Sale, conversion, retirement of capital stock, net | $14,500,000 | 24 |
| Net operating income | $6,366,000 | 354 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $65,362,000 | 532 |
| Total interest expense | $25,657,000 | 466 |
| Net interest income | $39,705,000 | 559 |
| Provision for loan and lease losses | $8,327,000 | 163 |
| Total noninterest income | $9,172,000 | 661 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,985,000 | 429 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,187,000 | 662 |
| Total noninterest expense | $23,323,000 | 735 |
| Salaries and employee benefits | $8,823,000 | 1,046 |
| Premises and equipment expense | $2,045,000 | 1,206 |
| Additional noninterest expense | $12,455,000 | 464 |
| Pre-tax net operating income | $17,227,000 | 605 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $17,227,000 | 463 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $17,227,000 | 463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,669,000 | 224 |
| Cash dividends | $15,862,000 | 284 |
| Sale, conversion, retirement of capital stock, net | $31,695,000 | 42 |
| Net operating income | $17,227,000 | 452 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $44,602,000 | 560 |
| Total interest expense | $16,453,000 | 509 |
| Net interest income | $28,149,000 | 584 |
| Provision for loan and lease losses | $6,681,000 | 151 |
| Total noninterest income | $7,173,000 | 647 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,039,000 | 420 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,134,000 | 633 |
| Total noninterest expense | $16,549,000 | 765 |
| Salaries and employee benefits | $6,399,000 | 1,073 |
| Premises and equipment expense | $1,511,000 | 1,208 |
| Additional noninterest expense | $8,639,000 | 492 |
| Pre-tax net operating income | $12,092,000 | 632 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $12,092,000 | 490 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,092,000 | 490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,418,000 | 267 |
| Cash dividends | $13,075,000 | 246 |
| Sale, conversion, retirement of capital stock, net | $23,695,000 | 40 |
| Net operating income | $12,092,000 | 473 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $26,692,000 | 587 |
| Total interest expense | $9,408,000 | 550 |
| Net interest income | $17,284,000 | 615 |
| Provision for loan and lease losses | $3,478,000 | 171 |
| Total noninterest income | $4,450,000 | 670 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,980,000 | 417 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,470,000 | 686 |
| Total noninterest expense | $10,351,000 | 809 |
| Salaries and employee benefits | $3,999,000 | 1,136 |
| Premises and equipment expense | $1,008,000 | 1,197 |
| Additional noninterest expense | $5,344,000 | 523 |
| Pre-tax net operating income | $7,905,000 | 630 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $7,905,000 | 487 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,905,000 | 487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,585,000 | 264 |
| Cash dividends | $10,164,000 | 198 |
| Sale, conversion, retirement of capital stock, net | $17,225,000 | 48 |
| Net operating income | $7,905,000 | 474 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,130,000 | 624 |
| Total interest expense | $4,284,000 | 570 |
| Net interest income | $7,846,000 | 656 |
| Provision for loan and lease losses | $749,000 | 338 |
| Total noninterest income | $2,296,000 | 642 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $948,000 | 424 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,348,000 | 636 |
| Total noninterest expense | $4,974,000 | 836 |
| Salaries and employee benefits | $1,818,000 | 1,269 |
| Premises and equipment expense | $528,000 | 1,147 |
| Additional noninterest expense | $2,628,000 | 529 |
| Pre-tax net operating income | $4,419,000 | 580 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $4,419,000 | 450 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,419,000 | 450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 762 |
| Cash dividends | $4,686,000 | 189 |
| Sale, conversion, retirement of capital stock, net | $8,250,000 | 50 |
| Net operating income | $4,419,000 | 433 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $36,887,000 | 756 |
| Total interest expense | $10,664,000 | 773 |
| Net interest income | $26,223,000 | 744 |
| Provision for loan and lease losses | $2,005,000 | 541 |
| Total noninterest income | $8,739,000 | 680 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,021,000 | 440 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,718,000 | 698 |
| Total noninterest expense | $17,923,000 | 914 |
| Salaries and employee benefits | $6,355,000 | 1,396 |
| Premises and equipment expense | $2,049,000 | 1,123 |
| Additional noninterest expense | $9,519,000 | 576 |
| Pre-tax net operating income | $15,034,000 | 615 |
| Securities gains (losses) | $254,000 | 715 |
| Applicable income taxes | $-16,000 | 8,605 |
| Income before extraordinary items | $15,304,000 | 474 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $15,304,000 | 475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $879,000 | 868 |
| Cash dividends | $12,925,000 | 287 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 260 |
| Net operating income | $15,050,000 | 466 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $26,346,000 | 797 |
| Total interest expense | $6,709,000 | 883 |
| Net interest income | $19,637,000 | 738 |
| Provision for loan and lease losses | $1,164,000 | 666 |
| Total noninterest income | $6,963,000 | 652 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,937,000 | 459 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,026,000 | 657 |
| Total noninterest expense | $13,340,000 | 914 |
| Salaries and employee benefits | $4,788,000 | 1,380 |
| Premises and equipment expense | $1,495,000 | 1,155 |
| Additional noninterest expense | $7,057,000 | 579 |
| Pre-tax net operating income | $12,096,000 | 585 |
| Securities gains (losses) | $254,000 | 670 |
| Applicable income taxes | $-13,000 | 8,741 |
| Income before extraordinary items | $12,363,000 | 444 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $12,363,000 | 444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,057 |
| Cash dividends | $10,248,000 | 262 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $12,109,000 | 435 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $16,715,000 | 817 |
| Total interest expense | $4,128,000 | 952 |
| Net interest income | $12,587,000 | 762 |
| Provision for loan and lease losses | $506,000 | 977 |
| Total noninterest income | $3,905,000 | 744 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,818,000 | 499 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,087,000 | 773 |
| Total noninterest expense | $8,389,000 | 960 |
| Salaries and employee benefits | $3,021,000 | 1,465 |
| Premises and equipment expense | $939,000 | 1,229 |
| Additional noninterest expense | $4,429,000 | 597 |
| Pre-tax net operating income | $7,597,000 | 605 |
| Securities gains (losses) | $254,000 | 550 |
| Applicable income taxes | $-14,000 | 8,816 |
| Income before extraordinary items | $7,865,000 | 454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,865,000 | 454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,352 |
| Cash dividends | $7,570,000 | 240 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $7,611,000 | 449 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,225,000 | 846 |
| Total interest expense | $2,029,000 | 991 |
| Net interest income | $6,196,000 | 792 |
| Provision for loan and lease losses | $202,000 | 1,140 |
| Total noninterest income | $1,681,000 | 822 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $780,000 | 553 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $901,000 | 853 |
| Total noninterest expense | $4,210,000 | 973 |
| Salaries and employee benefits | $1,545,000 | 1,438 |
| Premises and equipment expense | $446,000 | 1,307 |
| Additional noninterest expense | $2,219,000 | 589 |
| Pre-tax net operating income | $3,465,000 | 642 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-14,000 | 8,882 |
| Income before extraordinary items | $3,479,000 | 513 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,479,000 | 512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,346 |
| Cash dividends | $4,893,000 | 188 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,479,000 | 483 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $31,670,000 | 887 |
| Total interest expense | $9,200,000 | 973 |
| Net interest income | $22,470,000 | 862 |
| Provision for loan and lease losses | $2,041,000 | 638 |
| Total noninterest income | $8,276,000 | 759 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,969,000 | 575 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,307,000 | 724 |
| Total noninterest expense | $14,596,000 | 1,106 |
| Salaries and employee benefits | $6,464,000 | 1,330 |
| Premises and equipment expense | $1,602,000 | 1,417 |
| Additional noninterest expense | $6,530,000 | 790 |
| Pre-tax net operating income | $14,109,000 | 634 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $174,000 | 5,105 |
| Income before extraordinary items | $13,935,000 | 509 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $13,935,000 | 511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,767,000 | 606 |
| Cash dividends | $12,693,000 | 330 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $13,935,000 | 481 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $23,842,000 | 903 |
| Total interest expense | $7,201,000 | 970 |
| Net interest income | $16,641,000 | 883 |
| Provision for loan and lease losses | $1,030,000 | 877 |
| Total noninterest income | $5,788,000 | 823 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,157,000 | 602 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,631,000 | 811 |
| Total noninterest expense | $10,838,000 | 1,126 |
| Salaries and employee benefits | $4,888,000 | 1,341 |
| Premises and equipment expense | $1,160,000 | 1,483 |
| Additional noninterest expense | $4,790,000 | 810 |
| Pre-tax net operating income | $10,561,000 | 654 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $174,000 | 4,875 |
| Income before extraordinary items | $10,387,000 | 530 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $10,387,000 | 530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $912,000 | 738 |
| Cash dividends | $9,916,000 | 314 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $10,387,000 | 497 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,910,000 | 918 |
| Total interest expense | $4,950,000 | 969 |
| Net interest income | $10,960,000 | 900 |
| Provision for loan and lease losses | $815,000 | 750 |
| Total noninterest income | $3,960,000 | 805 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,404,000 | 607 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,556,000 | 771 |
| Total noninterest expense | $7,199,000 | 1,135 |
| Salaries and employee benefits | $3,246,000 | 1,341 |
| Premises and equipment expense | $759,000 | 1,508 |
| Additional noninterest expense | $3,194,000 | 821 |
| Pre-tax net operating income | $6,906,000 | 665 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $205,000 | 3,917 |
| Income before extraordinary items | $6,701,000 | 547 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,701,000 | 547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $692,000 | 672 |
| Cash dividends | $6,515,000 | 276 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $6,701,000 | 503 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,933,000 | 922 |
| Total interest expense | $2,551,000 | 970 |
| Net interest income | $5,382,000 | 908 |
| Provision for loan and lease losses | $444,000 | 682 |
| Total noninterest income | $1,939,000 | 796 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $674,000 | 618 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,265,000 | 751 |
| Total noninterest expense | $3,547,000 | 1,132 |
| Salaries and employee benefits | $1,601,000 | 1,355 |
| Premises and equipment expense | $371,000 | 1,546 |
| Additional noninterest expense | $1,575,000 | 803 |
| Pre-tax net operating income | $3,330,000 | 685 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $3,330,000 | 536 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,330,000 | 535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $422,000 | 563 |
| Cash dividends | $3,837,000 | 236 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,330,000 | 506 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,583,000 | 908 |
| Total interest expense | $14,292,000 | 781 |
| Net interest income | $19,291,000 | 1,006 |
| Provision for loan and lease losses | $1,925,000 | 764 |
| Total noninterest income | $6,049,000 | 896 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,578,000 | 631 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,471,000 | 911 |
| Total noninterest expense | $13,219,000 | 1,165 |
| Salaries and employee benefits | $6,127,000 | 1,330 |
| Premises and equipment expense | $1,453,000 | 1,529 |
| Additional noninterest expense | $5,639,000 | 890 |
| Pre-tax net operating income | $10,196,000 | 856 |
| Securities gains (losses) | $-69,000 | 9,101 |
| Applicable income taxes | $283,000 | 4,541 |
| Income before extraordinary items | $9,844,000 | 636 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $9,844,000 | 637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,046,000 | 557 |
| Cash dividends | $7,012,000 | 463 |
| Sale, conversion, retirement of capital stock, net | $575,000 | 455 |
| Net operating income | $9,910,930 | 606 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $36,948,000 | 926 |
| Total interest expense | $20,159,000 | 812 |
| Net interest income | $16,789,000 | 1,064 |
| Provision for loan and lease losses | $1,404,000 | 957 |
| Total noninterest income | $4,261,000 | 1,131 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,544,000 | 593 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,717,000 | 1,385 |
| Total noninterest expense | $11,433,000 | 1,262 |
| Salaries and employee benefits | $5,232,000 | 1,451 |
| Premises and equipment expense | $1,327,000 | 1,623 |
| Additional noninterest expense | $4,874,000 | 999 |
| Pre-tax net operating income | $8,213,000 | 920 |
| Securities gains (losses) | $197,000 | 1,199 |
| Applicable income taxes | $2,966,000 | 853 |
| Income before extraordinary items | $5,444,000 | 1,007 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,444,000 | 1,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,203,000 | 818 |
| Cash dividends | $215,000 | 4,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,315,950 | 993 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $37,439,000 | 947 |
| Total interest expense | $24,214,000 | 758 |
| Net interest income | $13,225,000 | 1,325 |
| Provision for loan and lease losses | $511,000 | 1,833 |
| Total noninterest income | $3,321,000 | 1,231 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,149,000 | 619 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,172,000 | 1,671 |
| Total noninterest expense | $9,980,000 | 1,390 |
| Salaries and employee benefits | $4,666,000 | 1,523 |
| Premises and equipment expense | $1,186,000 | 1,758 |
| Additional noninterest expense | $4,128,000 | 1,122 |
| Pre-tax net operating income | $6,055,000 | 1,226 |
| Securities gains (losses) | $71,000 | 640 |
| Applicable income taxes | $1,952,000 | 1,182 |
| Income before extraordinary items | $4,174,000 | 1,253 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,174,000 | 1,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,074 |
| Cash dividends | $3,602,000 | 824 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,125,720 | 1,263 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $28,861,000 | 1,132 |
| Total interest expense | $16,501,000 | 942 |
| Net interest income | $12,360,000 | 1,408 |
| Provision for loan and lease losses | $1,540,000 | 685 |
| Total noninterest income | $2,683,000 | 1,485 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,531,000 | 864 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,152,000 | 1,695 |
| Total noninterest expense | $9,380,000 | 1,483 |
| Salaries and employee benefits | $4,334,000 | 1,597 |
| Premises and equipment expense | $1,162,000 | 1,763 |
| Additional noninterest expense | $3,884,000 | 1,192 |
| Pre-tax net operating income | $4,123,000 | 1,796 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,477,000 | 1,621 |
| Income before extraordinary items | $2,646,000 | 2,000 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,646,000 | 2,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,554 |
| Cash dividends | $613,000 | 3,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,646,000 | 1,967 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,212,000 | 1,688 |
| Total interest expense | $10,753,000 | 1,430 |
| Net interest income | $8,459,000 | 2,030 |
| Provision for loan and lease losses | $1,599,000 | 678 |
| Total noninterest income | $2,376,000 | 1,608 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,121,000 | 1,126 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,255,000 | 1,581 |
| Total noninterest expense | $7,121,000 | 1,826 |
| Salaries and employee benefits | $3,040,000 | 2,227 |
| Premises and equipment expense | $878,000 | 2,221 |
| Additional noninterest expense | $3,203,000 | 1,371 |
| Pre-tax net operating income | $2,115,000 | 3,193 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $767,000 | 2,835 |
| Income before extraordinary items | $1,348,000 | 3,558 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,348,000 | 3,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,664 |
| Cash dividends | $1,038,000 | 2,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,348,000 | 3,454 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,785,000 | 2,370 |
| Total interest expense | $7,888,000 | 1,954 |
| Net interest income | $5,897,000 | 2,959 |
| Provision for loan and lease losses | $815,000 | 1,164 |
| Total noninterest income | $2,012,000 | 1,757 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $956,000 | 1,336 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,056,000 | 1,684 |
| Total noninterest expense | $5,580,000 | 2,316 |
| Salaries and employee benefits | $2,218,000 | 2,986 |
| Premises and equipment expense | $927,000 | 2,124 |
| Additional noninterest expense | $2,435,000 | 1,742 |
| Pre-tax net operating income | $1,514,000 | 4,469 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $513,000 | 4,138 |
| Income before extraordinary items | $1,001,000 | 4,710 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,001,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $710,000 | 1,015 |
| Cash dividends | $130,000 | 6,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,001,000 | 4,639 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,936,000 | 3,296 |
| Total interest expense | $5,733,000 | 2,659 |
| Net interest income | $4,203,000 | 4,136 |
| Provision for loan and lease losses | $900,000 | 1,101 |
| Total noninterest income | $1,330,000 | 2,503 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $630,000 | 2,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $700,000 | 2,299 |
| Total noninterest expense | $3,825,000 | 3,475 |
| Salaries and employee benefits | $2,164,000 | 3,087 |
| Premises and equipment expense | $780,000 | 2,511 |
| Additional noninterest expense | $881,000 | 4,836 |
| Pre-tax net operating income | $808,000 | 6,472 |
| Securities gains (losses) | $21,000 | 1,959 |
| Applicable income taxes | $282,000 | 6,045 |
| Income before extraordinary items | $547,000 | 6,572 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $547,000 | 6,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,882 |
| Cash dividends | $122,000 | 6,371 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 463 |
| Net operating income | $533,140 | 6,616 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,557,000 | 5,546 |
| Total interest expense | $3,353,000 | 4,320 |
| Net interest income | $2,204,000 | 6,862 |
| Provision for loan and lease losses | $345,000 | 2,079 |
| Total noninterest income | $673,000 | 4,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,353 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $271,000 | 4,257 |
| Total noninterest expense | $2,157,000 | 5,652 |
| Salaries and employee benefits | $1,191,000 | 5,246 |
| Premises and equipment expense | $460,000 | 4,043 |
| Additional noninterest expense | $506,000 | 7,211 |
| Pre-tax net operating income | $375,000 | 9,231 |
| Securities gains (losses) | $486,000 | 363 |
| Applicable income taxes | $292,000 | 6,108 |
| Income before extraordinary items | $569,000 | 6,792 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $569,000 | 6,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,073 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $248,240 | 9,410 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 11,567 |
| Total interest expense | $584,000 | 10,672 |
| Net interest income | $491,000 | 12,028 |
| Provision for loan and lease losses | $164,000 | 3,426 |
| Total noninterest income | $141,000 | 9,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 9,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,198 |
| Total noninterest expense | $1,046,000 | 9,187 |
| Salaries and employee benefits | $512,000 | 9,282 |
| Premises and equipment expense | $101,000 | 9,993 |
| Additional noninterest expense | $433,000 | 8,496 |
| Pre-tax net operating income | $-578,000 | 12,400 |
| Securities gains (losses) | $-19,000 | 10,292 |
| Applicable income taxes | $-200,000 | 12,389 |
| Income before extraordinary items | $-397,000 | 12,319 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-397,000 | 12,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $5,159,000 | 164 |
| Net operating income | $-384,460 | 12,322 |
* 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.