Home > Bank of Lenawee > Income and Expense
Bank of Lenawee, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $19,459,000 | 2,131 |
| Total interest expense | $7,314,000 | 2,511 |
| Net interest income | $12,145,000 | 1,869 |
| Provision for loan and lease losses | $2,119,000 | 805 |
| Total noninterest income | $2,966,000 | 1,660 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,264,000 | 1,416 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,702,000 | 1,526 |
| Total noninterest expense | $10,961,000 | 1,686 |
| Salaries and employee benefits | $6,159,000 | 1,631 |
| Premises and equipment expense | $2,162,000 | 1,233 |
| Additional noninterest expense | $2,640,000 | 2,078 |
| Pre-tax net operating income | $2,031,000 | 3,282 |
| Securities gains (losses) | $-19,000 | 7,745 |
| Applicable income taxes | $677,000 | 2,343 |
| Income before extraordinary items | $1,335,000 | 3,705 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,335,000 | 3,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $424,000 | 1,888 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,347,540 | 3,664 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,761,000 | 2,127 |
| Total interest expense | $5,653,000 | 2,451 |
| Net interest income | $9,108,000 | 1,869 |
| Provision for loan and lease losses | $353,000 | 2,069 |
| Total noninterest income | $2,321,000 | 1,610 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $937,000 | 1,411 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,384,000 | 1,454 |
| Total noninterest expense | $8,139,000 | 1,689 |
| Salaries and employee benefits | $4,598,000 | 1,641 |
| Premises and equipment expense | $1,590,000 | 1,245 |
| Additional noninterest expense | $1,951,000 | 2,063 |
| Pre-tax net operating income | $2,937,000 | 2,146 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $989,000 | 1,665 |
| Income before extraordinary items | $1,948,000 | 2,427 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,948,000 | 2,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,041 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,948,000 | 2,404 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,831,000 | 2,139 |
| Total interest expense | $3,783,000 | 2,433 |
| Net interest income | $6,048,000 | 1,906 |
| Provision for loan and lease losses | $293,000 | 1,599 |
| Total noninterest income | $1,542,000 | 1,639 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $615,000 | 1,445 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $927,000 | 1,469 |
| Total noninterest expense | $5,457,000 | 1,693 |
| Salaries and employee benefits | $3,151,000 | 1,634 |
| Premises and equipment expense | $1,015,000 | 1,316 |
| Additional noninterest expense | $1,291,000 | 2,078 |
| Pre-tax net operating income | $1,840,000 | 2,307 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $616,000 | 1,811 |
| Income before extraordinary items | $1,224,000 | 2,597 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,224,000 | 2,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,663 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,224,000 | 2,576 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,916,000 | 2,141 |
| Total interest expense | $1,940,000 | 2,379 |
| Net interest income | $2,976,000 | 1,940 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $686,000 | 1,764 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $291,000 | 1,473 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $395,000 | 1,598 |
| Total noninterest expense | $2,765,000 | 1,677 |
| Salaries and employee benefits | $1,602,000 | 1,621 |
| Premises and equipment expense | $505,000 | 1,330 |
| Additional noninterest expense | $658,000 | 1,996 |
| Pre-tax net operating income | $747,000 | 2,681 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $254,000 | 2,070 |
| Income before extraordinary items | $493,000 | 3,063 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $493,000 | 3,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,073 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $493,000 | 3,043 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,851,000 | 2,094 |
| Total interest expense | $6,632,000 | 2,383 |
| Net interest income | $12,219,000 | 1,899 |
| Provision for loan and lease losses | $333,000 | 2,593 |
| Total noninterest income | $3,077,000 | 1,585 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,130,000 | 1,569 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,947,000 | 1,389 |
| Total noninterest expense | $10,743,000 | 1,656 |
| Salaries and employee benefits | $6,217,000 | 1,586 |
| Premises and equipment expense | $1,760,000 | 1,460 |
| Additional noninterest expense | $2,766,000 | 1,904 |
| Pre-tax net operating income | $4,220,000 | 2,170 |
| Securities gains (losses) | $-8,000 | 7,211 |
| Applicable income taxes | $1,326,000 | 1,838 |
| Income before extraordinary items | $2,886,000 | 2,341 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,886,000 | 2,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,193 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,891,520 | 2,318 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,999,000 | 2,100 |
| Total interest expense | $4,804,000 | 2,399 |
| Net interest income | $9,195,000 | 1,908 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $2,281,000 | 1,606 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $842,000 | 1,580 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,439,000 | 1,400 |
| Total noninterest expense | $8,116,000 | 1,648 |
| Salaries and employee benefits | $4,850,000 | 1,539 |
| Premises and equipment expense | $1,295,000 | 1,497 |
| Additional noninterest expense | $1,971,000 | 1,978 |
| Pre-tax net operating income | $3,135,000 | 2,257 |
| Securities gains (losses) | $-9,000 | 7,556 |
| Applicable income taxes | $939,000 | 1,967 |
| Income before extraordinary items | $2,187,000 | 2,402 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,187,000 | 2,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,837 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,193,300 | 2,390 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,085,000 | 2,118 |
| Total interest expense | $3,003,000 | 2,438 |
| Net interest income | $6,082,000 | 1,915 |
| Provision for loan and lease losses | $105,000 | 3,244 |
| Total noninterest income | $1,563,000 | 1,576 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $555,000 | 1,584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,008,000 | 1,347 |
| Total noninterest expense | $5,632,000 | 1,598 |
| Salaries and employee benefits | $3,458,000 | 1,429 |
| Premises and equipment expense | $848,000 | 1,534 |
| Additional noninterest expense | $1,326,000 | 1,979 |
| Pre-tax net operating income | $1,908,000 | 2,405 |
| Securities gains (losses) | $-9,000 | 7,829 |
| Applicable income taxes | $614,000 | 2,026 |
| Income before extraordinary items | $1,285,000 | 2,637 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,285,000 | 2,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 1,780 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,291,120 | 2,617 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,471,000 | 2,107 |
| Total interest expense | $1,451,000 | 2,392 |
| Net interest income | $3,020,000 | 1,918 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $707,000 | 1,680 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $267,000 | 1,585 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $440,000 | 1,470 |
| Total noninterest expense | $2,989,000 | 1,507 |
| Salaries and employee benefits | $1,884,000 | 1,312 |
| Premises and equipment expense | $415,000 | 1,569 |
| Additional noninterest expense | $690,000 | 1,896 |
| Pre-tax net operating income | $738,000 | 2,868 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $245,000 | 2,299 |
| Income before extraordinary items | $493,000 | 3,196 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $493,000 | 3,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,045 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $493,000 | 3,173 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,069,000 | 2,072 |
| Total interest expense | $4,091,000 | 2,608 |
| Net interest income | $11,978,000 | 1,837 |
| Provision for loan and lease losses | $342,000 | 2,567 |
| Total noninterest income | $3,265,000 | 1,497 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,105,000 | 1,575 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,160,000 | 1,285 |
| Total noninterest expense | $11,772,000 | 1,463 |
| Salaries and employee benefits | $7,194,000 | 1,291 |
| Premises and equipment expense | $1,759,000 | 1,396 |
| Additional noninterest expense | $2,819,000 | 1,789 |
| Pre-tax net operating income | $3,129,000 | 2,664 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $785,000 | 2,628 |
| Income before extraordinary items | $2,344,000 | 2,728 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,344,000 | 2,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,685 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,344,000 | 2,689 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,693,000 | 2,087 |
| Total interest expense | $2,801,000 | 2,679 |
| Net interest income | $8,892,000 | 1,839 |
| Provision for loan and lease losses | $285,000 | 2,280 |
| Total noninterest income | $2,675,000 | 1,412 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $816,000 | 1,589 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,859,000 | 1,177 |
| Total noninterest expense | $9,024,000 | 1,419 |
| Salaries and employee benefits | $5,512,000 | 1,247 |
| Premises and equipment expense | $1,316,000 | 1,388 |
| Additional noninterest expense | $2,196,000 | 1,704 |
| Pre-tax net operating income | $2,258,000 | 2,787 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $722,000 | 2,349 |
| Income before extraordinary items | $1,536,000 | 3,067 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,536,000 | 3,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,238 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,536,000 | 3,032 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,515,000 | 2,104 |
| Total interest expense | $1,639,000 | 2,834 |
| Net interest income | $5,876,000 | 1,848 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $1,863,000 | 1,341 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $520,000 | 1,618 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,343,000 | 1,084 |
| Total noninterest expense | $6,131,000 | 1,387 |
| Salaries and employee benefits | $3,825,000 | 1,193 |
| Premises and equipment expense | $880,000 | 1,377 |
| Additional noninterest expense | $1,426,000 | 1,735 |
| Pre-tax net operating income | $1,428,000 | 2,867 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $452,000 | 2,413 |
| Income before extraordinary items | $976,000 | 3,147 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $976,000 | 3,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,453 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $976,000 | 3,101 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,635,000 | 2,128 |
| Total interest expense | $736,000 | 3,000 |
| Net interest income | $2,899,000 | 1,848 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $921,000 | 1,331 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $247,000 | 1,658 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $674,000 | 1,073 |
| Total noninterest expense | $3,263,000 | 1,306 |
| Salaries and employee benefits | $2,100,000 | 1,085 |
| Premises and equipment expense | $436,000 | 1,391 |
| Additional noninterest expense | $727,000 | 1,694 |
| Pre-tax net operating income | $527,000 | 3,534 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $182,000 | 2,755 |
| Income before extraordinary items | $345,000 | 3,989 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $345,000 | 3,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $345,000 | 3,943 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,985,000 | 1,903 |
| Total interest expense | $2,541,000 | 3,016 |
| Net interest income | $12,444,000 | 1,635 |
| Provision for loan and lease losses | $693,000 | 1,467 |
| Total noninterest income | $3,760,000 | 1,347 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,118,000 | 1,571 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,642,000 | 1,080 |
| Total noninterest expense | $11,789,000 | 1,389 |
| Salaries and employee benefits | $7,209,000 | 1,205 |
| Premises and equipment expense | $1,653,000 | 1,391 |
| Additional noninterest expense | $2,927,000 | 1,664 |
| Pre-tax net operating income | $3,722,000 | 2,171 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,222,000 | 1,875 |
| Income before extraordinary items | $2,500,000 | 2,431 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,500,000 | 2,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $500,000 | 1,342 |
| Cash dividends | $1,750,000 | 1,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,500,000 | 2,372 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,227,000 | 1,888 |
| Total interest expense | $1,909,000 | 2,958 |
| Net interest income | $9,318,000 | 1,629 |
| Provision for loan and lease losses | $215,000 | 2,865 |
| Total noninterest income | $3,018,000 | 1,300 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $837,000 | 1,575 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,181,000 | 1,009 |
| Total noninterest expense | $8,845,000 | 1,383 |
| Salaries and employee benefits | $5,162,000 | 1,277 |
| Premises and equipment expense | $1,215,000 | 1,421 |
| Additional noninterest expense | $2,468,000 | 1,487 |
| Pre-tax net operating income | $3,276,000 | 1,921 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $986,000 | 1,797 |
| Income before extraordinary items | $2,290,000 | 2,051 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,290,000 | 2,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,538 |
| Cash dividends | $1,750,000 | 1,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,290,000 | 1,996 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,432,000 | 1,880 |
| Total interest expense | $1,274,000 | 2,945 |
| Net interest income | $6,158,000 | 1,623 |
| Provision for loan and lease losses | $152,000 | 2,676 |
| Total noninterest income | $2,083,000 | 1,255 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $545,000 | 1,602 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,538,000 | 967 |
| Total noninterest expense | $5,697,000 | 1,419 |
| Salaries and employee benefits | $3,352,000 | 1,302 |
| Premises and equipment expense | $826,000 | 1,402 |
| Additional noninterest expense | $1,519,000 | 1,589 |
| Pre-tax net operating income | $2,392,000 | 1,759 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $717,000 | 1,673 |
| Income before extraordinary items | $1,675,000 | 1,882 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,675,000 | 1,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,207 |
| Cash dividends | $1,750,000 | 776 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,675,000 | 1,830 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,700,000 | 1,905 |
| Total interest expense | $684,000 | 2,802 |
| Net interest income | $3,016,000 | 1,655 |
| Provision for loan and lease losses | $64,000 | 2,864 |
| Total noninterest income | $1,002,000 | 1,252 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $259,000 | 1,645 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $743,000 | 982 |
| Total noninterest expense | $2,800,000 | 1,457 |
| Salaries and employee benefits | $1,635,000 | 1,360 |
| Premises and equipment expense | $414,000 | 1,414 |
| Additional noninterest expense | $751,000 | 1,587 |
| Pre-tax net operating income | $1,154,000 | 1,786 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $346,000 | 1,739 |
| Income before extraordinary items | $808,000 | 1,942 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $808,000 | 1,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,595 |
| Cash dividends | $758,000 | 841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $808,000 | 1,858 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,090,000 | 1,874 |
| Total interest expense | $3,044,000 | 2,829 |
| Net interest income | $12,046,000 | 1,615 |
| Provision for loan and lease losses | $595,000 | 1,895 |
| Total noninterest income | $5,965,000 | 979 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,104,000 | 1,562 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,861,000 | 780 |
| Total noninterest expense | $12,236,000 | 1,323 |
| Salaries and employee benefits | $7,590,000 | 1,113 |
| Premises and equipment expense | $1,566,000 | 1,451 |
| Additional noninterest expense | $3,080,000 | 1,600 |
| Pre-tax net operating income | $5,180,000 | 1,566 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,662,000 | 1,482 |
| Income before extraordinary items | $3,518,000 | 1,768 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,518,000 | 1,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,897 |
| Cash dividends | $1,750,000 | 1,546 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,518,000 | 1,682 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,351,000 | 1,905 |
| Total interest expense | $2,332,000 | 2,863 |
| Net interest income | $9,019,000 | 1,624 |
| Provision for loan and lease losses | $455,000 | 1,790 |
| Total noninterest income | $5,075,000 | 915 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $823,000 | 1,575 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,252,000 | 720 |
| Total noninterest expense | $9,512,000 | 1,286 |
| Salaries and employee benefits | $5,940,000 | 1,075 |
| Premises and equipment expense | $1,182,000 | 1,456 |
| Additional noninterest expense | $2,390,000 | 1,544 |
| Pre-tax net operating income | $4,127,000 | 1,535 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,324,000 | 1,473 |
| Income before extraordinary items | $2,803,000 | 1,719 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,803,000 | 1,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 1,894 |
| Cash dividends | $1,750,000 | 1,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,803,000 | 1,627 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,483,000 | 1,945 |
| Total interest expense | $1,598,000 | 2,879 |
| Net interest income | $5,885,000 | 1,659 |
| Provision for loan and lease losses | $320,000 | 1,710 |
| Total noninterest income | $3,369,000 | 917 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $593,000 | 1,438 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,776,000 | 715 |
| Total noninterest expense | $6,208,000 | 1,311 |
| Salaries and employee benefits | $3,871,000 | 1,093 |
| Premises and equipment expense | $768,000 | 1,495 |
| Additional noninterest expense | $1,569,000 | 1,549 |
| Pre-tax net operating income | $2,726,000 | 1,543 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $877,000 | 1,505 |
| Income before extraordinary items | $1,849,000 | 1,747 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,849,000 | 1,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 1,743 |
| Cash dividends | $1,500,000 | 928 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,849,000 | 1,638 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,722,000 | 1,965 |
| Total interest expense | $789,000 | 2,975 |
| Net interest income | $2,933,000 | 1,662 |
| Provision for loan and lease losses | $80,000 | 2,724 |
| Total noninterest income | $1,493,000 | 975 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $295,000 | 1,405 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,198,000 | 783 |
| Total noninterest expense | $2,978,000 | 1,354 |
| Salaries and employee benefits | $1,819,000 | 1,169 |
| Premises and equipment expense | $386,000 | 1,499 |
| Additional noninterest expense | $773,000 | 1,529 |
| Pre-tax net operating income | $1,368,000 | 1,538 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $428,000 | 1,544 |
| Income before extraordinary items | $940,000 | 1,701 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $940,000 | 1,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,890 |
| Cash dividends | $750,000 | 860 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $940,000 | 1,591 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,168,000 | 1,902 |
| Total interest expense | $4,485,000 | 2,479 |
| Net interest income | $11,683,000 | 1,659 |
| Provision for loan and lease losses | $667,000 | 1,902 |
| Total noninterest income | $5,902,000 | 906 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,254,000 | 1,292 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,648,000 | 728 |
| Total noninterest expense | $11,619,000 | 1,332 |
| Salaries and employee benefits | $7,380,000 | 1,083 |
| Premises and equipment expense | $1,628,000 | 1,348 |
| Additional noninterest expense | $2,611,000 | 1,785 |
| Pre-tax net operating income | $5,299,000 | 1,547 |
| Securities gains (losses) | $19,000 | 3,191 |
| Applicable income taxes | $1,608,000 | 1,558 |
| Income before extraordinary items | $3,710,000 | 1,611 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,710,000 | 1,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $458,000 | 1,769 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,696,700 | 1,572 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,171,000 | 1,775 |
| Total interest expense | $7,339,000 | 2,189 |
| Net interest income | $11,832,000 | 1,504 |
| Provision for loan and lease losses | $215,000 | 3,959 |
| Total noninterest income | $5,169,000 | 966 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,157,000 | 1,290 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,012,000 | 772 |
| Total noninterest expense | $11,176,000 | 1,300 |
| Salaries and employee benefits | $6,378,000 | 1,163 |
| Premises and equipment expense | $1,512,000 | 1,417 |
| Additional noninterest expense | $3,286,000 | 1,424 |
| Pre-tax net operating income | $5,610,000 | 1,317 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,743,000 | 1,315 |
| Income before extraordinary items | $3,867,000 | 1,406 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,867,000 | 1,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,618 |
| Cash dividends | $5,075,000 | 604 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,867,000 | 1,347 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $20,813,000 | 1,662 |
| Total interest expense | $8,710,000 | 1,980 |
| Net interest income | $12,103,000 | 1,452 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $2,373,000 | 1,655 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $927,000 | 1,476 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,446,000 | 1,425 |
| Total noninterest expense | $9,611,000 | 1,447 |
| Salaries and employee benefits | $5,548,000 | 1,275 |
| Premises and equipment expense | $1,589,000 | 1,290 |
| Additional noninterest expense | $2,474,000 | 1,792 |
| Pre-tax net operating income | $4,835,000 | 1,525 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,550,000 | 1,469 |
| Income before extraordinary items | $3,285,000 | 1,607 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,285,000 | 1,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,389,000 | 432 |
| Cash dividends | $1,200,000 | 1,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,285,000 | 1,598 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,880,000 | 1,817 |
| Total interest expense | $6,312,000 | 2,330 |
| Net interest income | $11,568,000 | 1,516 |
| Provision for loan and lease losses | $2,560,000 | 460 |
| Total noninterest income | $2,475,000 | 1,580 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $729,000 | 1,825 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,746,000 | 1,264 |
| Total noninterest expense | $9,238,000 | 1,504 |
| Salaries and employee benefits | $5,558,000 | 1,240 |
| Premises and equipment expense | $1,683,000 | 1,196 |
| Additional noninterest expense | $1,997,000 | 2,192 |
| Pre-tax net operating income | $2,244,000 | 3,042 |
| Securities gains (losses) | $-5,000 | 9,083 |
| Applicable income taxes | $720,000 | 2,854 |
| Income before extraordinary items | $1,519,000 | 3,211 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,519,000 | 3,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,651 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,522,400 | 3,169 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,472,000 | 1,852 |
| Total interest expense | $7,206,000 | 2,106 |
| Net interest income | $10,266,000 | 1,661 |
| Provision for loan and lease losses | $239,000 | 3,148 |
| Total noninterest income | $3,233,000 | 1,271 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $596,000 | 2,152 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,637,000 | 985 |
| Total noninterest expense | $9,291,000 | 1,421 |
| Salaries and employee benefits | $5,431,000 | 1,207 |
| Premises and equipment expense | $1,590,000 | 1,211 |
| Additional noninterest expense | $2,270,000 | 1,859 |
| Pre-tax net operating income | $3,969,000 | 1,833 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,350,000 | 1,795 |
| Income before extraordinary items | $2,619,000 | 2,001 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,619,000 | 2,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $700,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,619,000 | 1,924 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,903,000 | 1,948 |
| Total interest expense | $7,586,000 | 2,027 |
| Net interest income | $9,317,000 | 1,869 |
| Provision for loan and lease losses | $245,000 | 2,986 |
| Total noninterest income | $1,859,000 | 1,882 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $552,000 | 2,383 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,307,000 | 1,462 |
| Total noninterest expense | $7,698,000 | 1,694 |
| Salaries and employee benefits | $4,481,000 | 1,459 |
| Premises and equipment expense | $1,515,000 | 1,293 |
| Additional noninterest expense | $1,702,000 | 2,425 |
| Pre-tax net operating income | $3,233,000 | 2,323 |
| Securities gains (losses) | $-12,000 | 10,127 |
| Applicable income taxes | $1,102,000 | 2,243 |
| Income before extraordinary items | $2,119,000 | 2,452 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,119,000 | 2,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,428 |
| Cash dividends | $1,250,000 | 1,833 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,126,920 | 2,382 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,271,000 | 2,209 |
| Total interest expense | $6,934,000 | 2,230 |
| Net interest income | $8,337,000 | 2,153 |
| Provision for loan and lease losses | $253,000 | 2,912 |
| Total noninterest income | $1,417,000 | 2,394 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $488,000 | 2,769 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $929,000 | 1,907 |
| Total noninterest expense | $6,742,000 | 2,065 |
| Salaries and employee benefits | $4,084,000 | 1,630 |
| Premises and equipment expense | $1,515,000 | 1,348 |
| Additional noninterest expense | $1,143,000 | 3,934 |
| Pre-tax net operating income | $2,759,000 | 2,546 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $885,000 | 2,615 |
| Income before extraordinary items | $1,880,000 | 2,587 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,880,000 | 2,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,258 |
| Cash dividends | $650,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,875,920 | 2,551 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,663,000 | 2,444 |
| Total interest expense | $6,024,000 | 2,547 |
| Net interest income | $7,639,000 | 2,347 |
| Provision for loan and lease losses | $35,000 | 6,883 |
| Total noninterest income | $1,066,000 | 2,956 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $478,000 | 2,831 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $588,000 | 2,571 |
| Total noninterest expense | $6,083,000 | 2,235 |
| Salaries and employee benefits | $3,700,000 | 1,790 |
| Premises and equipment expense | $1,316,000 | 1,546 |
| Additional noninterest expense | $1,067,000 | 4,137 |
| Pre-tax net operating income | $2,587,000 | 2,754 |
| Securities gains (losses) | $33,000 | 1,557 |
| Applicable income taxes | $795,000 | 2,885 |
| Income before extraordinary items | $1,825,000 | 2,704 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,825,000 | 2,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 11,327 |
| Cash dividends | $865,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,801,900 | 2,713 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,573,000 | 2,409 |
| Total interest expense | $5,180,000 | 2,381 |
| Net interest income | $7,393,000 | 2,445 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $877,000 | 3,421 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $509,000 | 2,698 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $368,000 | 3,589 |
| Total noninterest expense | $5,781,000 | 2,432 |
| Salaries and employee benefits | $3,519,000 | 1,895 |
| Premises and equipment expense | $1,126,000 | 1,823 |
| Additional noninterest expense | $1,136,000 | 4,250 |
| Pre-tax net operating income | $2,489,000 | 2,842 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $749,000 | 2,932 |
| Income before extraordinary items | $1,740,000 | 2,779 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,740,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-104,000 | 12,245 |
| Cash dividends | $614,000 | 2,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,740,000 | 2,795 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,848,000 | 2,398 |
| Total interest expense | $5,304,000 | 2,440 |
| Net interest income | $7,544,000 | 2,375 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $1,282,000 | 2,768 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $486,000 | 2,876 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $796,000 | 2,392 |
| Total noninterest expense | $6,065,000 | 2,366 |
| Salaries and employee benefits | $3,438,000 | 1,933 |
| Premises and equipment expense | $953,000 | 2,158 |
| Additional noninterest expense | $1,674,000 | 3,180 |
| Pre-tax net operating income | $2,631,000 | 2,594 |
| Securities gains (losses) | $167,000 | 1,880 |
| Applicable income taxes | $891,000 | 2,534 |
| Income before extraordinary items | $1,907,000 | 2,640 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,907,000 | 2,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 7,730 |
| Cash dividends | $680,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,793,440 | 2,618 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,529,000 | 2,611 |
| Total interest expense | $6,709,000 | 2,516 |
| Net interest income | $6,820,000 | 2,669 |
| Provision for loan and lease losses | $198,000 | 5,256 |
| Total noninterest income | $653,000 | 4,663 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $424,000 | 3,283 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $229,000 | 5,251 |
| Total noninterest expense | $5,455,000 | 2,648 |
| Salaries and employee benefits | $3,045,000 | 2,151 |
| Premises and equipment expense | $931,000 | 2,235 |
| Additional noninterest expense | $1,479,000 | 3,645 |
| Pre-tax net operating income | $1,820,000 | 3,391 |
| Securities gains (losses) | $33,000 | 4,829 |
| Applicable income taxes | $222,000 | 7,147 |
| Income before extraordinary items | $1,631,000 | 2,820 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,631,000 | 2,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 6,028 |
| Cash dividends | $301,000 | 3,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,601,960 | 2,650 |
* 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.