Home > Bank of Holden > Income and Expense
Bank of Holden, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,457,000 | 4,665 |
| Total interest expense | $1,306,000 | 4,871 |
| Net interest income | $2,151,000 | 4,383 |
| Provision for loan and lease losses | $262,000 | 2,747 |
| Total noninterest income | $207,000 | 5,363 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $240,000 | 3,104 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-33,000 | 8,356 |
| Total noninterest expense | $2,117,000 | 4,074 |
| Salaries and employee benefits | $1,068,000 | 4,302 |
| Premises and equipment expense | $201,000 | 5,131 |
| Additional noninterest expense | $848,000 | 3,178 |
| Pre-tax net operating income | $-21,000 | 7,010 |
| Securities gains (losses) | $17,000 | 2,146 |
| Applicable income taxes | $40,000 | 4,234 |
| Income before extraordinary items | $-44,000 | 7,140 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-44,000 | 7,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,610 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-61,000 | 7,148 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 4,676 |
| Total interest expense | $683,000 | 4,944 |
| Net interest income | $1,094,000 | 4,338 |
| Provision for loan and lease losses | $2,000 | 5,968 |
| Total noninterest income | $105,000 | 5,327 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $123,000 | 3,001 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-18,000 | 8,413 |
| Total noninterest expense | $889,000 | 4,605 |
| Salaries and employee benefits | $573,000 | 4,108 |
| Premises and equipment expense | $83,000 | 5,643 |
| Additional noninterest expense | $233,000 | 4,909 |
| Pre-tax net operating income | $308,000 | 4,089 |
| Securities gains (losses) | $17,000 | 1,682 |
| Applicable income taxes | $84,000 | 2,999 |
| Income before extraordinary items | $241,000 | 4,268 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $241,000 | 4,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $228,420 | 4,296 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,975,000 | 4,742 |
| Total interest expense | $2,843,000 | 4,939 |
| Net interest income | $4,132,000 | 4,531 |
| Provision for loan and lease losses | $186,000 | 3,986 |
| Total noninterest income | $807,000 | 3,991 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $616,000 | 2,623 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $191,000 | 5,161 |
| Total noninterest expense | $3,558,000 | 4,466 |
| Salaries and employee benefits | $2,237,000 | 4,038 |
| Premises and equipment expense | $367,000 | 5,275 |
| Additional noninterest expense | $954,000 | 4,797 |
| Pre-tax net operating income | $1,195,000 | 4,375 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $425,000 | 2,953 |
| Income before extraordinary items | $770,000 | 4,866 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $770,000 | 4,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,137 |
| Cash dividends | $100,000 | 5,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $770,000 | 4,840 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,191,000 | 4,790 |
| Total interest expense | $2,091,000 | 4,996 |
| Net interest income | $3,100,000 | 4,549 |
| Provision for loan and lease losses | $184,000 | 3,124 |
| Total noninterest income | $578,000 | 4,095 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $441,000 | 2,704 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $137,000 | 5,258 |
| Total noninterest expense | $2,658,000 | 4,460 |
| Salaries and employee benefits | $1,710,000 | 3,965 |
| Premises and equipment expense | $269,000 | 5,325 |
| Additional noninterest expense | $679,000 | 4,888 |
| Pre-tax net operating income | $836,000 | 4,745 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $278,000 | 3,299 |
| Income before extraordinary items | $558,000 | 5,166 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $558,000 | 5,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 2,445 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $558,000 | 5,152 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 4,849 |
| Total interest expense | $1,377,000 | 5,036 |
| Net interest income | $2,028,000 | 4,628 |
| Provision for loan and lease losses | $146,000 | 2,706 |
| Total noninterest income | $386,000 | 4,114 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $289,000 | 2,731 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $97,000 | 5,176 |
| Total noninterest expense | $1,751,000 | 4,524 |
| Salaries and employee benefits | $1,135,000 | 4,016 |
| Premises and equipment expense | $164,000 | 5,596 |
| Additional noninterest expense | $452,000 | 4,905 |
| Pre-tax net operating income | $517,000 | 4,970 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $127,000 | 3,852 |
| Income before extraordinary items | $390,000 | 5,131 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $390,000 | 5,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 1,712 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $390,000 | 5,125 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,653,000 | 4,939 |
| Total interest expense | $695,000 | 4,999 |
| Net interest income | $958,000 | 4,808 |
| Provision for loan and lease losses | $136,000 | 1,610 |
| Total noninterest income | $187,000 | 4,166 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $143,000 | 2,690 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $44,000 | 5,347 |
| Total noninterest expense | $896,000 | 4,447 |
| Salaries and employee benefits | $561,000 | 4,070 |
| Premises and equipment expense | $87,000 | 5,461 |
| Additional noninterest expense | $248,000 | 4,564 |
| Pre-tax net operating income | $113,000 | 6,503 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $25,000 | 4,759 |
| Income before extraordinary items | $88,000 | 6,583 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $88,000 | 6,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 962 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $88,000 | 6,569 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,432,000 | 4,788 |
| Total interest expense | $2,320,000 | 5,018 |
| Net interest income | $4,112,000 | 4,583 |
| Provision for loan and lease losses | $29,000 | 6,079 |
| Total noninterest income | $777,000 | 4,135 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $544,000 | 2,886 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $233,000 | 4,824 |
| Total noninterest expense | $3,425,000 | 4,467 |
| Salaries and employee benefits | $2,187,000 | 3,998 |
| Premises and equipment expense | $389,000 | 5,018 |
| Additional noninterest expense | $849,000 | 5,041 |
| Pre-tax net operating income | $1,435,000 | 4,394 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $372,000 | 3,528 |
| Income before extraordinary items | $1,063,000 | 4,576 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,063,000 | 4,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,017 |
| Cash dividends | $600,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,063,000 | 4,566 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,733,000 | 4,834 |
| Total interest expense | $1,654,000 | 5,075 |
| Net interest income | $3,079,000 | 4,618 |
| Provision for loan and lease losses | $19,000 | 6,039 |
| Total noninterest income | $573,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $410,000 | 2,899 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $163,000 | 4,960 |
| Total noninterest expense | $2,590,000 | 4,431 |
| Salaries and employee benefits | $1,661,000 | 3,945 |
| Premises and equipment expense | $294,000 | 5,010 |
| Additional noninterest expense | $635,000 | 5,030 |
| Pre-tax net operating income | $1,043,000 | 4,633 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $305,000 | 3,559 |
| Income before extraordinary items | $738,000 | 4,891 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $738,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,575 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $738,000 | 4,879 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,103,000 | 4,843 |
| Total interest expense | $1,065,000 | 5,063 |
| Net interest income | $2,038,000 | 4,670 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $380,000 | 4,178 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $272,000 | 2,896 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $108,000 | 4,971 |
| Total noninterest expense | $1,734,000 | 4,435 |
| Salaries and employee benefits | $1,123,000 | 3,936 |
| Premises and equipment expense | $193,000 | 5,034 |
| Additional noninterest expense | $418,000 | 5,055 |
| Pre-tax net operating income | $684,000 | 4,686 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $215,000 | 3,521 |
| Income before extraordinary items | $469,000 | 5,043 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $469,000 | 5,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,182 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $469,000 | 5,028 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,532,000 | 4,837 |
| Total interest expense | $493,000 | 5,152 |
| Net interest income | $1,039,000 | 4,596 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $194,000 | 4,062 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $130,000 | 2,909 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $876,000 | 4,408 |
| Salaries and employee benefits | $564,000 | 3,932 |
| Premises and equipment expense | $89,000 | 5,311 |
| Additional noninterest expense | $223,000 | 4,845 |
| Pre-tax net operating income | $357,000 | 4,542 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $145,000 | 3,084 |
| Income before extraordinary items | $212,000 | 5,226 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $212,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,390 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $212,000 | 5,220 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,980,000 | 4,614 |
| Total interest expense | $1,733,000 | 4,854 |
| Net interest income | $4,247,000 | 4,443 |
| Provision for loan and lease losses | $86,000 | 5,050 |
| Total noninterest income | $692,000 | 4,415 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $421,000 | 3,445 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $271,000 | 4,558 |
| Total noninterest expense | $3,370,000 | 4,423 |
| Salaries and employee benefits | $2,221,000 | 3,818 |
| Premises and equipment expense | $386,000 | 4,967 |
| Additional noninterest expense | $763,000 | 5,317 |
| Pre-tax net operating income | $1,483,000 | 4,412 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $512,000 | 3,335 |
| Income before extraordinary items | $971,000 | 4,896 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $971,000 | 4,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,712 |
| Cash dividends | $650,000 | 3,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $971,000 | 4,867 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,461,000 | 4,585 |
| Total interest expense | $1,269,000 | 4,784 |
| Net interest income | $3,192,000 | 4,447 |
| Provision for loan and lease losses | $71,000 | 4,789 |
| Total noninterest income | $445,000 | 4,849 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $248,000 | 3,978 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $197,000 | 4,633 |
| Total noninterest expense | $2,523,000 | 4,392 |
| Salaries and employee benefits | $1,678,000 | 3,775 |
| Premises and equipment expense | $283,000 | 5,031 |
| Additional noninterest expense | $562,000 | 5,331 |
| Pre-tax net operating income | $1,043,000 | 4,664 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $334,000 | 3,614 |
| Income before extraordinary items | $709,000 | 5,064 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $709,000 | 5,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,321 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $709,000 | 5,021 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,941,000 | 4,570 |
| Total interest expense | $809,000 | 4,753 |
| Net interest income | $2,132,000 | 4,414 |
| Provision for loan and lease losses | $47,000 | 4,683 |
| Total noninterest income | $256,000 | 5,162 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $130,000 | 4,473 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $126,000 | 4,694 |
| Total noninterest expense | $1,689,000 | 4,355 |
| Salaries and employee benefits | $1,126,000 | 3,742 |
| Premises and equipment expense | $183,000 | 5,115 |
| Additional noninterest expense | $380,000 | 5,263 |
| Pre-tax net operating income | $652,000 | 4,788 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $139,000 | 4,363 |
| Income before extraordinary items | $513,000 | 4,837 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $513,000 | 4,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,892 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $513,000 | 4,783 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,458,000 | 4,574 |
| Total interest expense | $390,000 | 4,758 |
| Net interest income | $1,068,000 | 4,413 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $121,000 | 5,246 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $57,000 | 4,704 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,644 |
| Total noninterest expense | $842,000 | 4,394 |
| Salaries and employee benefits | $555,000 | 3,785 |
| Premises and equipment expense | $92,000 | 5,144 |
| Additional noninterest expense | $195,000 | 5,175 |
| Pre-tax net operating income | $340,000 | 4,669 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $53,000 | 4,694 |
| Income before extraordinary items | $287,000 | 4,492 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $287,000 | 4,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $287,000 | 4,448 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,054,000 | 4,237 |
| Total interest expense | $1,633,000 | 4,265 |
| Net interest income | $4,421,000 | 4,171 |
| Provision for loan and lease losses | $268,000 | 3,128 |
| Total noninterest income | $487,000 | 5,334 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $242,000 | 4,810 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $245,000 | 4,687 |
| Total noninterest expense | $3,222,000 | 4,442 |
| Salaries and employee benefits | $2,091,000 | 3,851 |
| Premises and equipment expense | $374,000 | 4,988 |
| Additional noninterest expense | $757,000 | 5,279 |
| Pre-tax net operating income | $1,418,000 | 4,396 |
| Securities gains (losses) | $17,000 | 2,506 |
| Applicable income taxes | $475,000 | 3,430 |
| Income before extraordinary items | $960,000 | 4,799 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $960,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,939 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $948,610 | 4,765 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,568,000 | 4,194 |
| Total interest expense | $1,245,000 | 4,161 |
| Net interest income | $3,323,000 | 4,151 |
| Provision for loan and lease losses | $248,000 | 2,591 |
| Total noninterest income | $365,000 | 5,359 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $183,000 | 4,833 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $182,000 | 4,696 |
| Total noninterest expense | $2,419,000 | 4,414 |
| Salaries and employee benefits | $1,606,000 | 3,752 |
| Premises and equipment expense | $280,000 | 4,982 |
| Additional noninterest expense | $533,000 | 5,447 |
| Pre-tax net operating income | $1,021,000 | 4,553 |
| Securities gains (losses) | $15,000 | 2,477 |
| Applicable income taxes | $328,000 | 3,635 |
| Income before extraordinary items | $708,000 | 4,931 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $708,000 | 4,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,646 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $697,800 | 4,872 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,042,000 | 4,201 |
| Total interest expense | $853,000 | 4,089 |
| Net interest income | $2,189,000 | 4,197 |
| Provision for loan and lease losses | $199,000 | 2,233 |
| Total noninterest income | $226,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $123,000 | 4,818 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $103,000 | 5,109 |
| Total noninterest expense | $1,605,000 | 4,445 |
| Salaries and employee benefits | $1,074,000 | 3,769 |
| Premises and equipment expense | $187,000 | 4,999 |
| Additional noninterest expense | $344,000 | 5,561 |
| Pre-tax net operating income | $611,000 | 4,782 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $219,000 | 3,608 |
| Income before extraordinary items | $392,000 | 5,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $392,000 | 5,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 1,442 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $392,000 | 5,275 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,515,000 | 4,228 |
| Total interest expense | $440,000 | 4,043 |
| Net interest income | $1,075,000 | 4,265 |
| Provision for loan and lease losses | $148,000 | 1,556 |
| Total noninterest income | $123,000 | 5,263 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $59,000 | 4,847 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $64,000 | 4,614 |
| Total noninterest expense | $815,000 | 4,414 |
| Salaries and employee benefits | $533,000 | 3,805 |
| Premises and equipment expense | $93,000 | 5,051 |
| Additional noninterest expense | $189,000 | 5,269 |
| Pre-tax net operating income | $235,000 | 5,429 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $70,000 | 4,347 |
| Income before extraordinary items | $165,000 | 5,788 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $165,000 | 5,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 1,096 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $165,000 | 5,662 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,312,000 | 4,160 |
| Total interest expense | $2,143,000 | 3,804 |
| Net interest income | $4,169,000 | 4,231 |
| Provision for loan and lease losses | $747,000 | 1,544 |
| Total noninterest income | $601,000 | 4,967 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $238,000 | 4,864 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $363,000 | 4,151 |
| Total noninterest expense | $3,302,000 | 4,313 |
| Salaries and employee benefits | $2,116,000 | 3,750 |
| Premises and equipment expense | $385,000 | 4,860 |
| Additional noninterest expense | $801,000 | 5,038 |
| Pre-tax net operating income | $721,000 | 5,935 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $204,000 | 4,904 |
| Income before extraordinary items | $518,000 | 6,269 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $518,000 | 6,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,059,000 | 888 |
| Cash dividends | $175,000 | 5,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $517,280 | 6,116 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,774,000 | 4,174 |
| Total interest expense | $1,677,000 | 3,786 |
| Net interest income | $3,097,000 | 4,286 |
| Provision for loan and lease losses | $529,000 | 1,582 |
| Total noninterest income | $425,000 | 5,152 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $177,000 | 4,913 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $248,000 | 4,394 |
| Total noninterest expense | $2,486,000 | 4,290 |
| Salaries and employee benefits | $1,620,000 | 3,670 |
| Premises and equipment expense | $291,000 | 4,820 |
| Additional noninterest expense | $575,000 | 5,166 |
| Pre-tax net operating income | $507,000 | 6,250 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $123,000 | 5,347 |
| Income before extraordinary items | $385,000 | 6,441 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $385,000 | 6,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $617,000 | 1,001 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $384,240 | 6,277 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,209,000 | 4,184 |
| Total interest expense | $1,178,000 | 3,722 |
| Net interest income | $2,031,000 | 4,347 |
| Provision for loan and lease losses | $347,000 | 1,614 |
| Total noninterest income | $192,000 | 6,096 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $113,000 | 4,977 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $79,000 | 5,734 |
| Total noninterest expense | $1,677,000 | 4,247 |
| Salaries and employee benefits | $1,080,000 | 3,671 |
| Premises and equipment expense | $188,000 | 4,904 |
| Additional noninterest expense | $409,000 | 4,926 |
| Pre-tax net operating income | $199,000 | 7,226 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $58,000 | 5,772 |
| Income before extraordinary items | $142,000 | 7,524 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $142,000 | 7,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 980 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $141,290 | 7,353 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,631,000 | 4,164 |
| Total interest expense | $609,000 | 3,701 |
| Net interest income | $1,022,000 | 4,336 |
| Provision for loan and lease losses | $237,000 | 1,178 |
| Total noninterest income | $89,000 | 6,188 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 5,990 |
| Total noninterest expense | $810,000 | 4,329 |
| Salaries and employee benefits | $536,000 | 3,690 |
| Premises and equipment expense | $89,000 | 5,083 |
| Additional noninterest expense | $185,000 | 5,250 |
| Pre-tax net operating income | $64,000 | 7,772 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $13,000 | 6,407 |
| Income before extraordinary items | $51,000 | 7,870 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $51,000 | 7,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,009 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $51,000 | 7,718 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,485,000 | 3,841 |
| Total interest expense | $2,943,000 | 3,589 |
| Net interest income | $4,542,000 | 3,960 |
| Provision for loan and lease losses | $1,649,000 | 873 |
| Total noninterest income | $356,000 | 6,055 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $288,000 | 4,316 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $68,000 | 7,131 |
| Total noninterest expense | $3,218,000 | 4,228 |
| Salaries and employee benefits | $2,033,000 | 3,679 |
| Premises and equipment expense | $385,000 | 4,786 |
| Additional noninterest expense | $800,000 | 4,923 |
| Pre-tax net operating income | $31,000 | 8,539 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-138,000 | 9,092 |
| Income before extraordinary items | $169,000 | 7,995 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $169,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,299,000 | 769 |
| Cash dividends | $135,000 | 5,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $169,000 | 7,896 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,923,000 | 3,671 |
| Total interest expense | $4,409,000 | 3,520 |
| Net interest income | $4,514,000 | 3,755 |
| Provision for loan and lease losses | $735,000 | 1,602 |
| Total noninterest income | $416,000 | 5,577 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $361,000 | 3,682 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $55,000 | 7,544 |
| Total noninterest expense | $3,260,000 | 4,064 |
| Salaries and employee benefits | $1,984,000 | 3,619 |
| Premises and equipment expense | $375,000 | 4,801 |
| Additional noninterest expense | $901,000 | 4,405 |
| Pre-tax net operating income | $935,000 | 5,079 |
| Securities gains (losses) | $-4,000 | 9,172 |
| Applicable income taxes | $352,000 | 3,972 |
| Income before extraordinary items | $579,000 | 5,721 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $579,000 | 5,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,507 |
| Cash dividends | $170,000 | 5,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $581,560 | 5,578 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,783,000 | 4,228 |
| Total interest expense | $3,835,000 | 4,118 |
| Net interest income | $3,948,000 | 4,223 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $511,000 | 4,874 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 3,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $184,000 | 4,974 |
| Total noninterest expense | $2,762,000 | 4,515 |
| Salaries and employee benefits | $1,683,000 | 3,981 |
| Premises and equipment expense | $284,000 | 5,599 |
| Additional noninterest expense | $795,000 | 4,766 |
| Pre-tax net operating income | $1,457,000 | 4,142 |
| Securities gains (losses) | $-43,000 | 9,134 |
| Applicable income taxes | $573,000 | 3,211 |
| Income before extraordinary items | $841,000 | 4,898 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $841,000 | 4,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,185 |
| Cash dividends | $425,000 | 3,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $868,520 | 4,800 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,662,000 | 4,587 |
| Total interest expense | $3,198,000 | 4,351 |
| Net interest income | $3,464,000 | 4,682 |
| Provision for loan and lease losses | $255,000 | 3,010 |
| Total noninterest income | $544,000 | 4,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 3,674 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 4,843 |
| Total noninterest expense | $2,498,000 | 4,893 |
| Salaries and employee benefits | $1,488,000 | 4,375 |
| Premises and equipment expense | $275,000 | 5,750 |
| Additional noninterest expense | $735,000 | 5,079 |
| Pre-tax net operating income | $1,255,000 | 4,636 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $313,000 | 4,718 |
| Income before extraordinary items | $940,000 | 4,614 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $940,000 | 4,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,985 |
| Cash dividends | $1,350,000 | 1,816 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $941,500 | 4,570 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,065,000 | 4,965 |
| Total interest expense | $2,947,000 | 4,799 |
| Net interest income | $3,118,000 | 4,997 |
| Provision for loan and lease losses | $230,000 | 3,213 |
| Total noninterest income | $543,000 | 4,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 3,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 4,763 |
| Total noninterest expense | $2,456,000 | 4,830 |
| Salaries and employee benefits | $1,496,000 | 4,240 |
| Premises and equipment expense | $240,000 | 6,105 |
| Additional noninterest expense | $720,000 | 5,060 |
| Pre-tax net operating income | $975,000 | 5,498 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $289,000 | 5,264 |
| Income before extraordinary items | $686,000 | 5,673 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $686,000 | 5,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,411 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $686,000 | 5,567 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,493,000 | 5,417 |
| Total interest expense | $2,632,000 | 5,211 |
| Net interest income | $2,861,000 | 5,497 |
| Provision for loan and lease losses | $220,000 | 3,234 |
| Total noninterest income | $534,000 | 4,787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 5,056 |
| Total noninterest expense | $2,150,000 | 5,375 |
| Salaries and employee benefits | $1,341,000 | 4,665 |
| Premises and equipment expense | $208,000 | 6,702 |
| Additional noninterest expense | $601,000 | 5,801 |
| Pre-tax net operating income | $1,025,000 | 5,756 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $301,000 | 5,713 |
| Income before extraordinary items | $723,000 | 5,803 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $723,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,229 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $723,710 | 5,758 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,801,000 | 6,111 |
| Total interest expense | $2,313,000 | 5,825 |
| Net interest income | $2,488,000 | 6,213 |
| Provision for loan and lease losses | $300,000 | 2,555 |
| Total noninterest income | $457,000 | 5,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $295,000 | 4,280 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,740 |
| Total noninterest expense | $1,877,000 | 6,222 |
| Salaries and employee benefits | $1,151,000 | 5,390 |
| Premises and equipment expense | $192,000 | 7,172 |
| Additional noninterest expense | $534,000 | 6,806 |
| Pre-tax net operating income | $768,000 | 6,626 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $239,000 | 6,592 |
| Income before extraordinary items | $527,000 | 6,724 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $527,000 | 6,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,671 |
| Cash dividends | $125,000 | 6,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $528,380 | 6,658 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,888,000 | 7,129 |
| Total interest expense | $1,730,000 | 7,065 |
| Net interest income | $2,158,000 | 6,966 |
| Provision for loan and lease losses | $160,000 | 3,506 |
| Total noninterest income | $321,000 | 6,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,426 |
| Total noninterest expense | $1,611,000 | 6,946 |
| Salaries and employee benefits | $1,012,000 | 6,001 |
| Premises and equipment expense | $158,000 | 8,078 |
| Additional noninterest expense | $441,000 | 7,787 |
| Pre-tax net operating income | $706,000 | 7,295 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $173,000 | 7,875 |
| Income before extraordinary items | $533,000 | 7,011 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $533,000 | 7,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,838 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $533,000 | 6,992 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,300,000 | 7,620 |
| Total interest expense | $1,274,000 | 7,642 |
| Net interest income | $2,026,000 | 7,509 |
| Provision for loan and lease losses | $110,000 | 4,343 |
| Total noninterest income | $338,000 | 6,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,590 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,238 |
| Total noninterest expense | $1,657,000 | 7,106 |
| Salaries and employee benefits | $972,000 | 6,229 |
| Premises and equipment expense | $205,000 | 7,319 |
| Additional noninterest expense | $480,000 | 8,055 |
| Pre-tax net operating income | $597,000 | 8,018 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $185,000 | 7,611 |
| Income before extraordinary items | $414,000 | 8,069 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $414,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,588 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $412,620 | 8,118 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,233,000 | 7,952 |
| Total interest expense | $1,153,000 | 8,472 |
| Net interest income | $2,080,000 | 7,456 |
| Provision for loan and lease losses | $140,000 | 4,819 |
| Total noninterest income | $327,000 | 7,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 10,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $278,000 | 4,681 |
| Total noninterest expense | $1,557,000 | 7,626 |
| Salaries and employee benefits | $887,000 | 6,793 |
| Premises and equipment expense | $200,000 | 7,681 |
| Additional noninterest expense | $470,000 | 8,519 |
| Pre-tax net operating income | $710,000 | 7,310 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $241,000 | 6,941 |
| Income before extraordinary items | $467,000 | 7,824 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $467,000 | 7,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 4,326 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $468,320 | 7,549 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,363,000 | 8,384 |
| Total interest expense | $1,387,000 | 8,903 |
| Net interest income | $1,976,000 | 7,822 |
| Provision for loan and lease losses | $166,000 | 5,814 |
| Total noninterest income | $333,000 | 7,317 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 10,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,566 |
| Total noninterest expense | $1,406,000 | 8,268 |
| Salaries and employee benefits | $840,000 | 6,995 |
| Premises and equipment expense | $131,000 | 9,652 |
| Additional noninterest expense | $435,000 | 9,143 |
| Pre-tax net operating income | $737,000 | 6,905 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $197,000 | 7,617 |
| Income before extraordinary items | $540,000 | 7,004 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $540,000 | 7,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 5,553 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $540,000 | 6,635 |
* 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.