Home > Bank of Salem > Income and Expense
Bank of Salem, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,000,000 | 2,212 |
| Total interest expense | $6,204,000 | 2,254 |
| Net interest income | $7,796,000 | 2,189 |
| Provision for loan and lease losses | $70,000 | 4,664 |
| Total noninterest income | $185,000 | 6,465 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $14,000 | 7,203 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $171,000 | 4,803 |
| Total noninterest expense | $1,934,000 | 5,476 |
| Salaries and employee benefits | $1,280,000 | 4,897 |
| Premises and equipment expense | $119,000 | 7,144 |
| Additional noninterest expense | $535,000 | 5,638 |
| Pre-tax net operating income | $5,977,000 | 1,144 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,304,000 | 860 |
| Income before extraordinary items | $3,673,000 | 1,390 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,673,000 | 1,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 830 |
| Net operating income | $3,673,000 | 1,378 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,298,000 | 2,242 |
| Total interest expense | $4,041,000 | 2,305 |
| Net interest income | $5,257,000 | 2,194 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $125,000 | 6,468 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $10,000 | 7,225 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $115,000 | 4,841 |
| Total noninterest expense | $1,246,000 | 5,609 |
| Salaries and employee benefits | $850,000 | 4,938 |
| Premises and equipment expense | $83,000 | 7,083 |
| Additional noninterest expense | $313,000 | 6,002 |
| Pre-tax net operating income | $4,076,000 | 1,156 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,571,000 | 882 |
| Income before extraordinary items | $2,505,000 | 1,413 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,505,000 | 1,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 686 |
| Net operating income | $2,505,000 | 1,391 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,681,000 | 2,227 |
| Total interest expense | $1,979,000 | 2,337 |
| Net interest income | $2,702,000 | 2,142 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $65,000 | 6,376 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $5,000 | 7,254 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $60,000 | 4,749 |
| Total noninterest expense | $609,000 | 5,707 |
| Salaries and employee benefits | $434,000 | 4,891 |
| Premises and equipment expense | $42,000 | 7,103 |
| Additional noninterest expense | $133,000 | 6,437 |
| Pre-tax net operating income | $2,113,000 | 1,103 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $814,000 | 844 |
| Income before extraordinary items | $1,299,000 | 1,357 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,299,000 | 1,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 462 |
| Net operating income | $1,299,000 | 1,348 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,036,000 | 2,295 |
| Total interest expense | $6,553,000 | 2,403 |
| Net interest income | $10,483,000 | 2,204 |
| Provision for loan and lease losses | $653,000 | 1,499 |
| Total noninterest income | $215,000 | 6,796 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $14,000 | 7,366 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $201,000 | 5,115 |
| Total noninterest expense | $2,472,000 | 5,520 |
| Salaries and employee benefits | $1,758,000 | 4,695 |
| Premises and equipment expense | $179,000 | 6,939 |
| Additional noninterest expense | $535,000 | 6,384 |
| Pre-tax net operating income | $7,573,000 | 1,290 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,889,000 | 975 |
| Income before extraordinary items | $4,684,000 | 1,550 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,684,000 | 1,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $814,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 1,039 |
| Net operating income | $4,684,000 | 1,530 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,464,000 | 2,327 |
| Total interest expense | $4,631,000 | 2,467 |
| Net interest income | $7,833,000 | 2,228 |
| Provision for loan and lease losses | $533,000 | 1,327 |
| Total noninterest income | $96,000 | 7,569 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $10,000 | 7,439 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $86,000 | 6,103 |
| Total noninterest expense | $1,841,000 | 5,522 |
| Salaries and employee benefits | $1,319,000 | 4,661 |
| Premises and equipment expense | $135,000 | 6,956 |
| Additional noninterest expense | $387,000 | 6,468 |
| Pre-tax net operating income | $5,555,000 | 1,375 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,205,000 | 1,012 |
| Income before extraordinary items | $3,350,000 | 1,659 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,350,000 | 1,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 890 |
| Net operating income | $3,350,000 | 1,644 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,968,000 | 2,382 |
| Total interest expense | $2,793,000 | 2,594 |
| Net interest income | $5,175,000 | 2,265 |
| Provision for loan and lease losses | $353,000 | 1,300 |
| Total noninterest income | $65,000 | 7,601 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $6,000 | 7,512 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $59,000 | 6,112 |
| Total noninterest expense | $1,240,000 | 5,505 |
| Salaries and employee benefits | $880,000 | 4,682 |
| Premises and equipment expense | $88,000 | 7,009 |
| Additional noninterest expense | $272,000 | 6,355 |
| Pre-tax net operating income | $3,647,000 | 1,387 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,450,000 | 1,030 |
| Income before extraordinary items | $2,197,000 | 1,656 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,197,000 | 1,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 753 |
| Net operating income | $2,197,000 | 1,642 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,752,000 | 2,465 |
| Total interest expense | $1,264,000 | 2,695 |
| Net interest income | $2,488,000 | 2,337 |
| Provision for loan and lease losses | $135,000 | 1,590 |
| Total noninterest income | $33,000 | 7,559 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,000 | 7,527 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,069 |
| Total noninterest expense | $615,000 | 5,541 |
| Salaries and employee benefits | $436,000 | 4,747 |
| Premises and equipment expense | $45,000 | 6,974 |
| Additional noninterest expense | $134,000 | 6,380 |
| Pre-tax net operating income | $1,771,000 | 1,389 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $703,000 | 1,048 |
| Income before extraordinary items | $1,068,000 | 1,676 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,068,000 | 1,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 530 |
| Net operating income | $1,068,000 | 1,661 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,843,000 | 2,569 |
| Total interest expense | $3,646,000 | 2,845 |
| Net interest income | $9,197,000 | 2,399 |
| Provision for loan and lease losses | $855,000 | 1,191 |
| Total noninterest income | $196,000 | 7,098 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $16,000 | 7,526 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $180,000 | 5,377 |
| Total noninterest expense | $2,328,000 | 5,602 |
| Salaries and employee benefits | $1,666,000 | 4,731 |
| Premises and equipment expense | $163,000 | 7,133 |
| Additional noninterest expense | $499,000 | 6,588 |
| Pre-tax net operating income | $6,210,000 | 1,537 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,518,000 | 1,119 |
| Income before extraordinary items | $3,692,000 | 1,864 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,692,000 | 1,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $7,303,000 | 486 |
| Sale, conversion, retirement of capital stock, net | $2,165,000 | 389 |
| Net operating income | $3,692,000 | 1,847 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,333,000 | 2,580 |
| Total interest expense | $2,490,000 | 2,938 |
| Net interest income | $6,843,000 | 2,394 |
| Provision for loan and lease losses | $605,000 | 1,197 |
| Total noninterest income | $183,000 | 6,746 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $170,000 | 4,956 |
| Total noninterest expense | $1,689,000 | 5,675 |
| Salaries and employee benefits | $1,224,000 | 4,768 |
| Premises and equipment expense | $121,000 | 7,144 |
| Additional noninterest expense | $344,000 | 6,778 |
| Pre-tax net operating income | $4,732,000 | 1,515 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,866,000 | 1,141 |
| Income before extraordinary items | $2,866,000 | 1,825 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,866,000 | 1,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $4,050,000 | 567 |
| Sale, conversion, retirement of capital stock, net | $1,630,000 | 311 |
| Net operating income | $2,866,000 | 1,790 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,960,000 | 2,619 |
| Total interest expense | $1,512,000 | 3,020 |
| Net interest income | $4,448,000 | 2,424 |
| Provision for loan and lease losses | $305,000 | 1,488 |
| Total noninterest income | $138,000 | 6,496 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $9,000 | 7,561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $129,000 | 4,634 |
| Total noninterest expense | $1,103,000 | 5,737 |
| Salaries and employee benefits | $797,000 | 4,820 |
| Premises and equipment expense | $80,000 | 7,151 |
| Additional noninterest expense | $226,000 | 6,816 |
| Pre-tax net operating income | $3,178,000 | 1,468 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,281,000 | 1,089 |
| Income before extraordinary items | $1,897,000 | 1,794 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,897,000 | 1,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,418 |
| Cash dividends | $4,050,000 | 391 |
| Sale, conversion, retirement of capital stock, net | $1,441,000 | 222 |
| Net operating income | $1,897,000 | 1,760 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 2,691 |
| Total interest expense | $674,000 | 3,213 |
| Net interest income | $2,178,000 | 2,448 |
| Provision for loan and lease losses | $105,000 | 1,941 |
| Total noninterest income | $84,000 | 6,049 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $5,000 | 7,590 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $79,000 | 4,223 |
| Total noninterest expense | $539,000 | 5,849 |
| Salaries and employee benefits | $400,000 | 4,838 |
| Premises and equipment expense | $40,000 | 7,221 |
| Additional noninterest expense | $99,000 | 7,165 |
| Pre-tax net operating income | $1,618,000 | 1,412 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $655,000 | 1,061 |
| Income before extraordinary items | $963,000 | 1,748 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $963,000 | 1,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $1,202,000 | 113 |
| Net operating income | $963,000 | 1,715 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,121,000 | 3,066 |
| Total interest expense | $1,834,000 | 3,915 |
| Net interest income | $7,287,000 | 2,781 |
| Provision for loan and lease losses | $455,000 | 2,126 |
| Total noninterest income | $196,000 | 7,186 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $24,000 | 7,620 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $172,000 | 5,422 |
| Total noninterest expense | $2,013,000 | 5,982 |
| Salaries and employee benefits | $1,392,000 | 5,196 |
| Premises and equipment expense | $178,000 | 6,998 |
| Additional noninterest expense | $443,000 | 6,877 |
| Pre-tax net operating income | $5,015,000 | 1,696 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,938,000 | 1,305 |
| Income before extraordinary items | $3,077,000 | 2,030 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,077,000 | 2,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $1,216,000 | 2,023 |
| Sale, conversion, retirement of capital stock, net | $402,000 | 496 |
| Net operating income | $3,077,000 | 1,983 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,547,000 | 3,155 |
| Total interest expense | $1,242,000 | 4,172 |
| Net interest income | $5,305,000 | 2,827 |
| Provision for loan and lease losses | $335,000 | 2,066 |
| Total noninterest income | $148,000 | 7,214 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $19,000 | 7,648 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $129,000 | 5,430 |
| Total noninterest expense | $1,500,000 | 5,964 |
| Salaries and employee benefits | $1,058,000 | 5,105 |
| Premises and equipment expense | $131,000 | 7,018 |
| Additional noninterest expense | $311,000 | 7,004 |
| Pre-tax net operating income | $3,618,000 | 1,761 |
| Securities gains (losses) | $21,000 | 2,274 |
| Applicable income taxes | $1,394,000 | 1,371 |
| Income before extraordinary items | $2,245,000 | 2,087 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,245,000 | 2,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $1,000 | 5,358 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 409 |
| Net operating income | $2,231,560 | 2,046 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,191,000 | 3,264 |
| Total interest expense | $768,000 | 4,393 |
| Net interest income | $3,423,000 | 2,913 |
| Provision for loan and lease losses | $230,000 | 1,975 |
| Total noninterest income | $118,000 | 6,927 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $13,000 | 7,698 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $105,000 | 5,079 |
| Total noninterest expense | $969,000 | 6,101 |
| Salaries and employee benefits | $679,000 | 5,292 |
| Premises and equipment expense | $78,000 | 7,274 |
| Additional noninterest expense | $212,000 | 6,999 |
| Pre-tax net operating income | $2,342,000 | 1,793 |
| Securities gains (losses) | $21,000 | 2,004 |
| Applicable income taxes | $903,000 | 1,394 |
| Income before extraordinary items | $1,460,000 | 2,122 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,460,000 | 2,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $1,000 | 5,081 |
| Sale, conversion, retirement of capital stock, net | $234,000 | 326 |
| Net operating income | $1,446,560 | 2,084 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,921,000 | 3,495 |
| Total interest expense | $358,000 | 4,646 |
| Net interest income | $1,563,000 | 3,166 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $107,000 | 5,629 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $100,000 | 3,719 |
| Total noninterest expense | $467,000 | 6,274 |
| Salaries and employee benefits | $317,000 | 5,552 |
| Premises and equipment expense | $49,000 | 6,832 |
| Additional noninterest expense | $101,000 | 7,133 |
| Pre-tax net operating income | $1,113,000 | 1,841 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $451,000 | 1,406 |
| Income before extraordinary items | $662,000 | 2,292 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $662,000 | 2,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $187,000 | 209 |
| Net operating income | $662,000 | 2,210 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,010,000 | 3,821 |
| Total interest expense | $1,651,000 | 4,598 |
| Net interest income | $5,359,000 | 3,498 |
| Provision for loan and lease losses | $145,000 | 4,649 |
| Total noninterest income | $174,000 | 7,575 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $28,000 | 7,743 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $146,000 | 5,871 |
| Total noninterest expense | $1,837,000 | 6,287 |
| Salaries and employee benefits | $1,294,000 | 5,372 |
| Premises and equipment expense | $111,000 | 7,926 |
| Additional noninterest expense | $432,000 | 6,945 |
| Pre-tax net operating income | $3,551,000 | 2,192 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,293,000 | 1,830 |
| Income before extraordinary items | $2,258,000 | 2,605 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,258,000 | 2,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $1,566,000 | 1,673 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 640 |
| Net operating income | $2,258,000 | 2,480 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,206,000 | 3,898 |
| Total interest expense | $1,289,000 | 4,602 |
| Net interest income | $3,917,000 | 3,584 |
| Provision for loan and lease losses | $115,000 | 4,426 |
| Total noninterest income | $124,000 | 7,712 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $23,000 | 7,775 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 6,060 |
| Total noninterest expense | $1,283,000 | 6,480 |
| Salaries and employee benefits | $911,000 | 5,556 |
| Premises and equipment expense | $88,000 | 7,850 |
| Additional noninterest expense | $284,000 | 7,284 |
| Pre-tax net operating income | $2,643,000 | 2,266 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,033,000 | 1,814 |
| Income before extraordinary items | $1,610,000 | 2,807 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,610,000 | 2,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 531 |
| Net operating income | $1,610,000 | 2,667 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,449,000 | 3,952 |
| Total interest expense | $921,000 | 4,515 |
| Net interest income | $2,528,000 | 3,665 |
| Provision for loan and lease losses | $85,000 | 4,219 |
| Total noninterest income | $92,000 | 7,536 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $14,000 | 7,828 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $78,000 | 5,763 |
| Total noninterest expense | $828,000 | 6,602 |
| Salaries and employee benefits | $608,000 | 5,577 |
| Premises and equipment expense | $50,000 | 8,086 |
| Additional noninterest expense | $170,000 | 7,511 |
| Pre-tax net operating income | $1,707,000 | 2,343 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $668,000 | 1,885 |
| Income before extraordinary items | $1,039,000 | 2,886 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,039,000 | 2,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 437 |
| Net operating income | $1,039,000 | 2,725 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,699,000 | 4,021 |
| Total interest expense | $490,000 | 4,397 |
| Net interest income | $1,209,000 | 3,797 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $29,000 | 8,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $8,000 | 7,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $368,000 | 6,973 |
| Salaries and employee benefits | $268,000 | 6,005 |
| Premises and equipment expense | $26,000 | 8,056 |
| Additional noninterest expense | $74,000 | 7,829 |
| Pre-tax net operating income | $815,000 | 2,430 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $318,000 | 1,973 |
| Income before extraordinary items | $497,000 | 2,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $497,000 | 2,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 307 |
| Net operating income | $497,000 | 2,816 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,167,000 | 3,975 |
| Total interest expense | $2,337,000 | 4,314 |
| Net interest income | $4,830,000 | 3,766 |
| Provision for loan and lease losses | $197,000 | 4,397 |
| Total noninterest income | $210,000 | 7,211 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $70,000 | 7,133 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $140,000 | 5,749 |
| Total noninterest expense | $1,357,000 | 7,135 |
| Salaries and employee benefits | $897,000 | 6,529 |
| Premises and equipment expense | $132,000 | 7,696 |
| Additional noninterest expense | $328,000 | 7,597 |
| Pre-tax net operating income | $3,486,000 | 2,214 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $1,316,000 | 1,827 |
| Income before extraordinary items | $2,172,000 | 2,634 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,172,000 | 2,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $270,000 | 4,491 |
| Sale, conversion, retirement of capital stock, net | $689,000 | 433 |
| Net operating income | $2,170,720 | 2,546 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,126,000 | 4,370 |
| Total interest expense | $3,449,000 | 4,254 |
| Net interest income | $3,677,000 | 4,409 |
| Provision for loan and lease losses | $75,000 | 6,076 |
| Total noninterest income | $152,000 | 7,825 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $68,000 | 7,211 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $84,000 | 6,788 |
| Total noninterest expense | $1,145,000 | 7,591 |
| Salaries and employee benefits | $704,000 | 7,186 |
| Premises and equipment expense | $123,000 | 7,956 |
| Additional noninterest expense | $318,000 | 7,721 |
| Pre-tax net operating income | $2,609,000 | 2,586 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $1,001,000 | 2,066 |
| Income before extraordinary items | $1,609,000 | 3,059 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,609,000 | 3,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $224,000 | 4,854 |
| Sale, conversion, retirement of capital stock, net | $-946,000 | 9,575 |
| Net operating income | $1,608,360 | 2,961 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,861,000 | 4,193 |
| Total interest expense | $3,212,000 | 4,675 |
| Net interest income | $4,649,000 | 3,695 |
| Provision for loan and lease losses | $214,000 | 3,600 |
| Total noninterest income | $168,000 | 7,647 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 7,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,664 |
| Total noninterest expense | $1,072,000 | 7,813 |
| Salaries and employee benefits | $678,000 | 7,298 |
| Premises and equipment expense | $138,000 | 7,777 |
| Additional noninterest expense | $256,000 | 8,296 |
| Pre-tax net operating income | $3,531,000 | 2,066 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,362,000 | 1,637 |
| Income before extraordinary items | $2,169,000 | 2,361 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,169,000 | 2,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,771 |
| Cash dividends | $296,000 | 4,558 |
| Sale, conversion, retirement of capital stock, net | $-65,000 | 9,768 |
| Net operating income | $2,169,000 | 2,370 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,086,000 | 4,350 |
| Total interest expense | $3,081,000 | 4,505 |
| Net interest income | $4,005,000 | 4,168 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $318,000 | 6,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 7,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $246,000 | 4,476 |
| Total noninterest expense | $1,008,000 | 8,106 |
| Salaries and employee benefits | $618,000 | 7,656 |
| Premises and equipment expense | $101,000 | 8,608 |
| Additional noninterest expense | $289,000 | 8,207 |
| Pre-tax net operating income | $3,315,000 | 2,207 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,285,000 | 1,803 |
| Income before extraordinary items | $2,030,000 | 2,560 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,030,000 | 2,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,262 |
| Cash dividends | $234,000 | 4,987 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 862 |
| Net operating income | $2,030,000 | 2,523 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,591,000 | 4,621 |
| Total interest expense | $2,776,000 | 4,996 |
| Net interest income | $3,815,000 | 4,285 |
| Provision for loan and lease losses | $14,000 | 8,020 |
| Total noninterest income | $452,000 | 5,233 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,242 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $410,000 | 3,379 |
| Total noninterest expense | $1,033,000 | 8,011 |
| Salaries and employee benefits | $671,000 | 7,363 |
| Premises and equipment expense | $92,000 | 8,886 |
| Additional noninterest expense | $270,000 | 8,405 |
| Pre-tax net operating income | $3,220,000 | 2,221 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,320,000 | 1,830 |
| Income before extraordinary items | $1,900,000 | 2,678 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,900,000 | 2,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $177,000 | 693 |
| Net operating income | $1,900,000 | 2,598 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,259,000 | 5,589 |
| Total interest expense | $2,048,000 | 6,176 |
| Net interest income | $3,211,000 | 5,043 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $293,000 | 6,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $261,000 | 4,266 |
| Total noninterest expense | $877,000 | 8,760 |
| Salaries and employee benefits | $576,000 | 8,077 |
| Premises and equipment expense | $94,000 | 9,100 |
| Additional noninterest expense | $207,000 | 9,316 |
| Pre-tax net operating income | $2,627,000 | 2,795 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $955,000 | 2,531 |
| Income before extraordinary items | $1,672,000 | 3,039 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,672,000 | 3,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 919 |
| Net operating income | $1,672,000 | 2,980 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,185,000 | 6,696 |
| Total interest expense | $1,698,000 | 7,084 |
| Net interest income | $2,487,000 | 6,215 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $270,000 | 7,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 9,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $237,000 | 4,689 |
| Total noninterest expense | $663,000 | 9,941 |
| Salaries and employee benefits | $473,000 | 9,081 |
| Premises and equipment expense | $34,000 | 11,051 |
| Additional noninterest expense | $156,000 | 10,477 |
| Pre-tax net operating income | $2,094,000 | 3,290 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $833,000 | 2,748 |
| Income before extraordinary items | $1,261,000 | 3,711 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,261,000 | 3,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 844 |
| Net operating income | $1,261,000 | 3,659 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,679,000 | 7,328 |
| Total interest expense | $1,424,000 | 7,910 |
| Net interest income | $2,255,000 | 6,770 |
| Provision for loan and lease losses | $165,000 | 3,441 |
| Total noninterest income | $257,000 | 7,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,888 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $231,000 | 4,713 |
| Total noninterest expense | $544,000 | 10,824 |
| Salaries and employee benefits | $336,000 | 10,435 |
| Premises and equipment expense | $16,000 | 11,846 |
| Additional noninterest expense | $192,000 | 10,515 |
| Pre-tax net operating income | $1,803,000 | 3,838 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $629,000 | 3,548 |
| Income before extraordinary items | $1,174,000 | 4,033 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,174,000 | 4,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,174,000 | 4,010 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,795,000 | 8,389 |
| Total interest expense | $878,000 | 9,225 |
| Net interest income | $1,917,000 | 7,757 |
| Provision for loan and lease losses | $141,000 | 3,743 |
| Total noninterest income | $290,000 | 7,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 10,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $271,000 | 4,379 |
| Total noninterest expense | $597,000 | 11,138 |
| Salaries and employee benefits | $333,000 | 10,913 |
| Premises and equipment expense | $81,000 | 10,622 |
| Additional noninterest expense | $183,000 | 11,359 |
| Pre-tax net operating income | $1,469,000 | 4,490 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $540,000 | 3,821 |
| Income before extraordinary items | $929,000 | 4,781 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $929,000 | 4,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $253,000 | 655 |
| Net operating income | $929,000 | 4,831 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,158,000 | 9,869 |
| Total interest expense | $666,000 | 10,788 |
| Net interest income | $1,492,000 | 9,143 |
| Provision for loan and lease losses | $107,000 | 5,595 |
| Total noninterest income | $369,000 | 6,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 10,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $347,000 | 4,127 |
| Total noninterest expense | $531,000 | 11,998 |
| Salaries and employee benefits | $308,000 | 11,565 |
| Premises and equipment expense | $82,000 | 11,085 |
| Additional noninterest expense | $141,000 | 12,530 |
| Pre-tax net operating income | $1,223,000 | 5,116 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $453,000 | 4,565 |
| Income before extraordinary items | $770,000 | 5,727 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $770,000 | 5,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,425,000 | 413 |
| Net operating income | $770,000 | 5,486 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 12,076 |
| Total interest expense | $650,000 | 12,067 |
| Net interest income | $800,000 | 11,910 |
| Provision for loan and lease losses | $113,000 | 6,955 |
| Total noninterest income | $370,000 | 6,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 11,442 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $353,000 | 4,015 |
| Total noninterest expense | $463,000 | 12,837 |
| Salaries and employee benefits | $270,000 | 12,358 |
| Premises and equipment expense | $64,000 | 12,099 |
| Additional noninterest expense | $129,000 | 13,221 |
| Pre-tax net operating income | $594,000 | 7,755 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $254,000 | 6,590 |
| Income before extraordinary items | $340,000 | 8,821 |
| Extraordinary gains, net | $28,000 | 1,147 |
| Net income | $368,000 | 8,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,141 |
| Net operating income | $340,000 | 8,456 |
* 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.