Home > Bank of St. Edward > Income and Expense
Bank of St. Edward, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,488,000 | 7,218 |
| Total interest expense | $1,035,000 | 7,111 |
| Net interest income | $1,453,000 | 7,176 |
| Provision for loan and lease losses | $-1,850,000 | 8,525 |
| Total noninterest income | $474,000 | 5,130 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $23,000 | 7,115 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $451,000 | 3,504 |
| Total noninterest expense | $473,000 | 8,354 |
| Salaries and employee benefits | $311,000 | 8,246 |
| Premises and equipment expense | $12,000 | 8,477 |
| Additional noninterest expense | $150,000 | 8,254 |
| Pre-tax net operating income | $3,304,000 | 2,306 |
| Securities gains (losses) | $406,000 | 295 |
| Applicable income taxes | $11,000 | 5,610 |
| Income before extraordinary items | $3,699,000 | 1,711 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,699,000 | 1,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,618,000 | 8,526 |
| Cash dividends | $776,000 | 3,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,293,000 | 1,875 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,861,000 | 7,267 |
| Total interest expense | $781,000 | 7,131 |
| Net interest income | $1,080,000 | 7,248 |
| Provision for loan and lease losses | $-1,450,000 | 8,545 |
| Total noninterest income | $400,000 | 4,908 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $20,000 | 7,098 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $380,000 | 3,302 |
| Total noninterest expense | $231,000 | 8,480 |
| Salaries and employee benefits | $109,000 | 8,486 |
| Premises and equipment expense | $8,000 | 8,501 |
| Additional noninterest expense | $114,000 | 8,238 |
| Pre-tax net operating income | $2,699,000 | 2,286 |
| Securities gains (losses) | $403,000 | 263 |
| Applicable income taxes | $9,000 | 5,755 |
| Income before extraordinary items | $3,093,000 | 1,632 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,093,000 | 1,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,585,000 | 8,555 |
| Cash dividends | $776,000 | 2,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,690,000 | 1,864 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,242,000 | 7,299 |
| Total interest expense | $522,000 | 7,147 |
| Net interest income | $720,000 | 7,301 |
| Provision for loan and lease losses | $-1,450,000 | 8,599 |
| Total noninterest income | $325,000 | 4,488 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $14,000 | 7,128 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $311,000 | 2,953 |
| Total noninterest expense | $144,000 | 8,545 |
| Salaries and employee benefits | $60,000 | 8,556 |
| Premises and equipment expense | $6,000 | 8,546 |
| Additional noninterest expense | $78,000 | 8,261 |
| Pre-tax net operating income | $2,351,000 | 1,897 |
| Securities gains (losses) | $403,000 | 200 |
| Applicable income taxes | $6,000 | 5,846 |
| Income before extraordinary items | $2,748,000 | 1,302 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,748,000 | 1,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,570,000 | 8,609 |
| Cash dividends | $776,000 | 1,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,345,000 | 1,475 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $608,000 | 7,362 |
| Total interest expense | $258,000 | 7,194 |
| Net interest income | $350,000 | 7,390 |
| Provision for loan and lease losses | $-1,450,000 | 8,640 |
| Total noninterest income | $273,000 | 3,326 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $7,000 | 7,153 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $266,000 | 2,127 |
| Total noninterest expense | $84,000 | 8,554 |
| Salaries and employee benefits | $29,000 | 8,601 |
| Premises and equipment expense | $4,000 | 8,553 |
| Additional noninterest expense | $51,000 | 8,070 |
| Pre-tax net operating income | $1,989,000 | 1,185 |
| Securities gains (losses) | $3,000 | 908 |
| Applicable income taxes | $3,000 | 5,852 |
| Income before extraordinary items | $1,989,000 | 891 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,989,000 | 890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,497,000 | 8,645 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,986,000 | 882 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,290,000 | 7,305 |
| Total interest expense | $942,000 | 7,051 |
| Net interest income | $1,348,000 | 7,382 |
| Provision for loan and lease losses | $707,000 | 1,401 |
| Total noninterest income | $275,000 | 6,346 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $32,000 | 7,140 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $243,000 | 4,715 |
| Total noninterest expense | $482,000 | 8,461 |
| Salaries and employee benefits | $314,000 | 8,344 |
| Premises and equipment expense | $16,000 | 8,601 |
| Additional noninterest expense | $152,000 | 8,358 |
| Pre-tax net operating income | $434,000 | 6,682 |
| Securities gains (losses) | $339,000 | 304 |
| Applicable income taxes | $10,000 | 6,155 |
| Income before extraordinary items | $763,000 | 5,316 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $763,000 | 5,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $722,000 | 888 |
| Cash dividends | $669,000 | 3,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $427,390 | 6,415 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,685,000 | 7,387 |
| Total interest expense | $680,000 | 7,109 |
| Net interest income | $1,005,000 | 7,463 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $203,000 | 6,422 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $29,000 | 7,139 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $174,000 | 4,834 |
| Total noninterest expense | $273,000 | 8,610 |
| Salaries and employee benefits | $145,000 | 8,613 |
| Premises and equipment expense | $10,000 | 8,670 |
| Additional noninterest expense | $118,000 | 8,364 |
| Pre-tax net operating income | $935,000 | 4,870 |
| Securities gains (losses) | $893,000 | 153 |
| Applicable income taxes | $8,000 | 6,282 |
| Income before extraordinary items | $1,820,000 | 2,771 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,820,000 | 2,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-154,000 | 8,600 |
| Cash dividends | $669,000 | 2,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $927,000 | 4,327 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,095,000 | 7,449 |
| Total interest expense | $419,000 | 7,199 |
| Net interest income | $676,000 | 7,490 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $148,000 | 6,256 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $20,000 | 7,168 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $128,000 | 4,615 |
| Total noninterest expense | $170,000 | 8,679 |
| Salaries and employee benefits | $84,000 | 8,688 |
| Premises and equipment expense | $7,000 | 8,697 |
| Additional noninterest expense | $79,000 | 8,388 |
| Pre-tax net operating income | $654,000 | 4,790 |
| Securities gains (losses) | $692,000 | 140 |
| Applicable income taxes | $5,000 | 6,332 |
| Income before extraordinary items | $1,341,000 | 2,550 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,341,000 | 2,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-153,000 | 8,647 |
| Cash dividends | $669,000 | 1,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $649,000 | 4,240 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $548,000 | 7,440 |
| Total interest expense | $189,000 | 7,326 |
| Net interest income | $359,000 | 7,405 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $40,000 | 7,310 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $10,000 | 7,160 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,069 |
| Total noninterest expense | $99,000 | 8,645 |
| Salaries and employee benefits | $47,000 | 8,678 |
| Premises and equipment expense | $4,000 | 8,696 |
| Additional noninterest expense | $48,000 | 8,212 |
| Pre-tax net operating income | $300,000 | 4,972 |
| Securities gains (losses) | $493,000 | 110 |
| Applicable income taxes | $3,000 | 6,254 |
| Income before extraordinary items | $790,000 | 2,220 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $790,000 | 2,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-152,000 | 8,697 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $297,000 | 4,433 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,095,000 | 7,361 |
| Total interest expense | $629,000 | 7,250 |
| Net interest income | $1,466,000 | 7,350 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $201,000 | 7,059 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $42,000 | 7,197 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $159,000 | 5,623 |
| Total noninterest expense | $572,000 | 8,458 |
| Salaries and employee benefits | $388,000 | 8,247 |
| Premises and equipment expense | $20,000 | 8,729 |
| Additional noninterest expense | $164,000 | 8,424 |
| Pre-tax net operating income | $1,095,000 | 5,115 |
| Securities gains (losses) | $-394,000 | 8,680 |
| Applicable income taxes | $10,000 | 6,543 |
| Income before extraordinary items | $691,000 | 5,700 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $691,000 | 5,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $719,000 | 3,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,081,060 | 4,588 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,526,000 | 7,432 |
| Total interest expense | $450,000 | 7,281 |
| Net interest income | $1,076,000 | 7,421 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $122,000 | 7,395 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $32,000 | 7,231 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $90,000 | 6,109 |
| Total noninterest expense | $286,000 | 8,695 |
| Salaries and employee benefits | $161,000 | 8,673 |
| Premises and equipment expense | $7,000 | 8,803 |
| Additional noninterest expense | $118,000 | 8,456 |
| Pre-tax net operating income | $912,000 | 5,003 |
| Securities gains (losses) | $-190,000 | 8,717 |
| Applicable income taxes | $7,000 | 6,626 |
| Income before extraordinary items | $715,000 | 5,038 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $715,000 | 5,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-122,000 | 8,670 |
| Cash dividends | $719,000 | 2,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $903,100 | 4,411 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,047,000 | 7,358 |
| Total interest expense | $290,000 | 7,253 |
| Net interest income | $757,000 | 7,327 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $80,000 | 7,406 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $20,000 | 7,275 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $60,000 | 6,128 |
| Total noninterest expense | $166,000 | 8,747 |
| Salaries and employee benefits | $90,000 | 8,742 |
| Premises and equipment expense | $4,000 | 8,801 |
| Additional noninterest expense | $72,000 | 8,518 |
| Pre-tax net operating income | $671,000 | 4,724 |
| Securities gains (losses) | $470,000 | 232 |
| Applicable income taxes | $5,000 | 6,626 |
| Income before extraordinary items | $1,136,000 | 2,787 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,136,000 | 2,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,147 |
| Cash dividends | $719,000 | 1,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $666,000 | 4,074 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $512,000 | 7,435 |
| Total interest expense | $141,000 | 7,278 |
| Net interest income | $371,000 | 7,418 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $36,000 | 7,582 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $10,000 | 7,294 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,409 |
| Total noninterest expense | $88,000 | 8,801 |
| Salaries and employee benefits | $44,000 | 8,817 |
| Premises and equipment expense | $2,000 | 8,862 |
| Additional noninterest expense | $42,000 | 8,459 |
| Pre-tax net operating income | $319,000 | 4,836 |
| Securities gains (losses) | $365,000 | 179 |
| Applicable income taxes | $2,000 | 6,630 |
| Income before extraordinary items | $682,000 | 2,379 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $682,000 | 2,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,351 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $317,000 | 4,164 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,141,000 | 7,236 |
| Total interest expense | $530,000 | 7,196 |
| Net interest income | $1,611,000 | 7,166 |
| Provision for loan and lease losses | $325,000 | 2,753 |
| Total noninterest income | $241,000 | 6,837 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $40,000 | 7,439 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $201,000 | 5,101 |
| Total noninterest expense | $559,000 | 8,600 |
| Salaries and employee benefits | $398,000 | 8,312 |
| Premises and equipment expense | $16,000 | 8,891 |
| Additional noninterest expense | $145,000 | 8,618 |
| Pre-tax net operating income | $968,000 | 5,320 |
| Securities gains (losses) | $-203,000 | 8,799 |
| Applicable income taxes | $11,000 | 6,738 |
| Income before extraordinary items | $754,000 | 5,410 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $754,000 | 5,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,954 |
| Cash dividends | $591,000 | 3,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $954,970 | 4,748 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,612,000 | 7,248 |
| Total interest expense | $393,000 | 7,239 |
| Net interest income | $1,219,000 | 7,157 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $183,000 | 6,852 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $30,000 | 7,486 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $153,000 | 5,081 |
| Total noninterest expense | $307,000 | 8,807 |
| Salaries and employee benefits | $182,000 | 8,765 |
| Premises and equipment expense | $11,000 | 8,938 |
| Additional noninterest expense | $114,000 | 8,595 |
| Pre-tax net operating income | $1,095,000 | 4,393 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $8,000 | 6,848 |
| Income before extraordinary items | $1,091,000 | 3,792 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,091,000 | 3,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-340,000 | 8,959 |
| Cash dividends | $591,000 | 2,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,087,040 | 3,727 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,083,000 | 7,282 |
| Total interest expense | $262,000 | 7,288 |
| Net interest income | $821,000 | 7,167 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $147,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $18,000 | 7,579 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $129,000 | 4,617 |
| Total noninterest expense | $185,000 | 8,917 |
| Salaries and employee benefits | $105,000 | 8,890 |
| Premises and equipment expense | $7,000 | 9,000 |
| Additional noninterest expense | $73,000 | 8,671 |
| Pre-tax net operating income | $783,000 | 4,168 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $5,000 | 6,869 |
| Income before extraordinary items | $781,000 | 3,588 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $781,000 | 3,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-281,000 | 9,018 |
| Cash dividends | $591,000 | 1,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $778,030 | 3,510 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $523,000 | 7,393 |
| Total interest expense | $132,000 | 7,324 |
| Net interest income | $391,000 | 7,310 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $98,000 | 5,820 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $90,000 | 3,932 |
| Total noninterest expense | $96,000 | 8,933 |
| Salaries and employee benefits | $49,000 | 8,958 |
| Premises and equipment expense | $3,000 | 9,031 |
| Additional noninterest expense | $44,000 | 8,543 |
| Pre-tax net operating income | $393,000 | 4,128 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $394,000 | 3,553 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $394,000 | 3,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-233,000 | 9,055 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $391,030 | 3,453 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 7,367 |
| Total interest expense | $595,000 | 7,409 |
| Net interest income | $1,602,000 | 7,203 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $214,000 | 7,226 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $33,000 | 7,674 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $181,000 | 5,496 |
| Total noninterest expense | $556,000 | 8,749 |
| Salaries and employee benefits | $391,000 | 8,447 |
| Premises and equipment expense | $11,000 | 9,116 |
| Additional noninterest expense | $154,000 | 8,736 |
| Pre-tax net operating income | $1,260,000 | 4,559 |
| Securities gains (losses) | $-606,000 | 9,139 |
| Applicable income taxes | $11,000 | 7,016 |
| Income before extraordinary items | $643,000 | 5,790 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $643,000 | 5,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $625,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,236,880 | 3,880 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,635,000 | 7,462 |
| Total interest expense | $454,000 | 7,516 |
| Net interest income | $1,181,000 | 7,304 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $172,000 | 7,153 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $26,000 | 7,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $146,000 | 5,393 |
| Total noninterest expense | $296,000 | 9,023 |
| Salaries and employee benefits | $168,000 | 8,990 |
| Premises and equipment expense | $5,000 | 9,183 |
| Additional noninterest expense | $123,000 | 8,698 |
| Pre-tax net operating income | $1,057,000 | 4,411 |
| Securities gains (losses) | $87,000 | 1,867 |
| Applicable income taxes | $8,000 | 7,139 |
| Income before extraordinary items | $1,136,000 | 3,646 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,136,000 | 3,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-138,000 | 9,132 |
| Cash dividends | $625,000 | 2,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,049,870 | 3,705 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 7,544 |
| Total interest expense | $308,000 | 7,601 |
| Net interest income | $761,000 | 7,397 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $152,000 | 6,610 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $17,000 | 7,743 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $135,000 | 4,758 |
| Total noninterest expense | $183,000 | 9,085 |
| Salaries and employee benefits | $94,000 | 9,103 |
| Premises and equipment expense | $3,000 | 9,214 |
| Additional noninterest expense | $86,000 | 8,650 |
| Pre-tax net operating income | $730,000 | 4,318 |
| Securities gains (losses) | $48,000 | 2,051 |
| Applicable income taxes | $5,000 | 7,181 |
| Income before extraordinary items | $773,000 | 3,602 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $773,000 | 3,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-141,000 | 9,170 |
| Cash dividends | $625,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $725,480 | 3,577 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 7,587 |
| Total interest expense | $158,000 | 7,650 |
| Net interest income | $376,000 | 7,437 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $87,000 | 6,231 |
| 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 | $79,000 | 4,363 |
| Total noninterest expense | $92,000 | 9,127 |
| Salaries and employee benefits | $46,000 | 9,158 |
| Premises and equipment expense | $2,000 | 9,243 |
| Additional noninterest expense | $44,000 | 8,661 |
| Pre-tax net operating income | $371,000 | 4,228 |
| Securities gains (losses) | $23,000 | 1,827 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $391,000 | 3,516 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $391,000 | 3,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-130,000 | 9,243 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $368,230 | 3,507 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,307,000 | 7,528 |
| Total interest expense | $680,000 | 7,871 |
| Net interest income | $1,627,000 | 7,223 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $202,000 | 7,284 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $35,000 | 7,776 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $167,000 | 5,371 |
| Total noninterest expense | $602,000 | 8,761 |
| Salaries and employee benefits | $416,000 | 8,455 |
| Premises and equipment expense | $18,000 | 9,251 |
| Additional noninterest expense | $168,000 | 8,765 |
| Pre-tax net operating income | $1,227,000 | 4,644 |
| Securities gains (losses) | $-541,000 | 9,268 |
| Applicable income taxes | $10,000 | 7,292 |
| Income before extraordinary items | $676,000 | 5,640 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $676,000 | 5,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 3,072 |
| Cash dividends | $732,000 | 2,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,211,590 | 3,956 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,472,000 | 7,779 |
| Total interest expense | $957,000 | 8,108 |
| Net interest income | $1,515,000 | 7,297 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $215,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $37,000 | 7,853 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $178,000 | 5,187 |
| Total noninterest expense | $592,000 | 8,958 |
| Salaries and employee benefits | $415,000 | 8,558 |
| Premises and equipment expense | $17,000 | 9,519 |
| Additional noninterest expense | $160,000 | 8,979 |
| Pre-tax net operating income | $1,138,000 | 4,558 |
| Securities gains (losses) | $-302,000 | 9,560 |
| Applicable income taxes | $10,000 | 7,583 |
| Income before extraordinary items | $826,000 | 4,792 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $826,000 | 4,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,995 |
| Cash dividends | $934,000 | 2,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,124,980 | 3,851 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,608,000 | 7,803 |
| Total interest expense | $1,077,000 | 8,066 |
| Net interest income | $1,531,000 | 7,421 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $200,000 | 7,270 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 7,855 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,316 |
| Total noninterest expense | $649,000 | 8,968 |
| Salaries and employee benefits | $428,000 | 8,613 |
| Premises and equipment expense | $20,000 | 9,769 |
| Additional noninterest expense | $201,000 | 8,773 |
| Pre-tax net operating income | $1,082,000 | 5,049 |
| Securities gains (losses) | $-285,000 | 9,631 |
| Applicable income taxes | $9,000 | 8,091 |
| Income before extraordinary items | $788,000 | 5,090 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $788,000 | 5,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 9,574 |
| Cash dividends | $974,000 | 2,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,070,150 | 4,196 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,547,000 | 7,864 |
| Total interest expense | $979,000 | 8,226 |
| Net interest income | $1,568,000 | 7,460 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $209,000 | 7,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 7,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,393 |
| Total noninterest expense | $569,000 | 9,417 |
| Salaries and employee benefits | $362,000 | 9,113 |
| Premises and equipment expense | $39,000 | 9,842 |
| Additional noninterest expense | $168,000 | 9,360 |
| Pre-tax net operating income | $1,208,000 | 4,747 |
| Securities gains (losses) | $24,000 | 1,292 |
| Applicable income taxes | $17,000 | 8,284 |
| Income before extraordinary items | $1,215,000 | 3,842 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,215,000 | 3,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,289 |
| Cash dividends | $830,000 | 2,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,191,240 | 3,868 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,270,000 | 8,353 |
| Total interest expense | $838,000 | 8,837 |
| Net interest income | $1,432,000 | 7,834 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $211,000 | 7,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 8,015 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,504 |
| Total noninterest expense | $363,000 | 10,140 |
| Salaries and employee benefits | $142,000 | 10,285 |
| Premises and equipment expense | $41,000 | 9,998 |
| Additional noninterest expense | $180,000 | 9,337 |
| Pre-tax net operating income | $1,280,000 | 4,676 |
| Securities gains (losses) | $7,000 | 3,223 |
| Applicable income taxes | $259,000 | 5,557 |
| Income before extraordinary items | $1,028,000 | 4,413 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,028,000 | 4,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,007 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,022,400 | 4,340 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,266,000 | 8,677 |
| Total interest expense | $880,000 | 9,028 |
| Net interest income | $1,386,000 | 8,269 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $283,000 | 6,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 8,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,653 |
| Total noninterest expense | $1,033,000 | 8,234 |
| Salaries and employee benefits | $836,000 | 6,600 |
| Premises and equipment expense | $17,000 | 10,793 |
| Additional noninterest expense | $180,000 | 9,672 |
| Pre-tax net operating income | $636,000 | 7,266 |
| Securities gains (losses) | $-19,000 | 10,340 |
| Applicable income taxes | $265,000 | 6,106 |
| Income before extraordinary items | $352,000 | 7,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $352,000 | 7,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-398,000 | 10,869 |
| Cash dividends | $175,000 | 5,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $364,160 | 7,831 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,394,000 | 8,833 |
| Total interest expense | $882,000 | 9,375 |
| Net interest income | $1,512,000 | 8,246 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $83,000 | 10,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 8,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 10,174 |
| Total noninterest expense | $882,000 | 9,120 |
| Salaries and employee benefits | $699,000 | 7,537 |
| Premises and equipment expense | $19,000 | 11,310 |
| Additional noninterest expense | $164,000 | 10,381 |
| Pre-tax net operating income | $713,000 | 6,875 |
| Securities gains (losses) | $-85,000 | 11,165 |
| Applicable income taxes | $146,000 | 7,940 |
| Income before extraordinary items | $482,000 | 7,025 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $482,000 | 7,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $547,450 | 6,507 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,281,000 | 9,284 |
| Total interest expense | $846,000 | 9,807 |
| Net interest income | $1,435,000 | 8,709 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $69,000 | 10,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 11,437 |
| Total noninterest expense | $922,000 | 9,280 |
| Salaries and employee benefits | $697,000 | 7,728 |
| Premises and equipment expense | $17,000 | 11,838 |
| Additional noninterest expense | $208,000 | 10,322 |
| Pre-tax net operating income | $582,000 | 7,979 |
| Securities gains (losses) | $30,000 | 1,626 |
| Applicable income taxes | $128,000 | 8,661 |
| Income before extraordinary items | $484,000 | 7,373 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $484,000 | 7,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 11,045 |
| Cash dividends | $50,000 | 7,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $460,300 | 7,533 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 9,407 |
| Total interest expense | $703,000 | 10,077 |
| Net interest income | $1,509,000 | 8,861 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $66,000 | 11,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,281 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $837,000 | 10,060 |
| Salaries and employee benefits | $594,000 | 8,646 |
| Premises and equipment expense | $16,000 | 12,478 |
| Additional noninterest expense | $227,000 | 10,811 |
| Pre-tax net operating income | $738,000 | 7,199 |
| Securities gains (losses) | $-53,000 | 11,075 |
| Applicable income taxes | $144,000 | 8,434 |
| Income before extraordinary items | $541,000 | 6,994 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $541,000 | 7,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 12,186 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $582,870 | 6,734 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,204,000 | 9,782 |
| Total interest expense | $690,000 | 10,642 |
| Net interest income | $1,514,000 | 9,061 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $72,000 | 12,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,880 |
| Total noninterest expense | $747,000 | 10,934 |
| Salaries and employee benefits | $522,000 | 9,445 |
| Premises and equipment expense | $19,000 | 13,098 |
| Additional noninterest expense | $206,000 | 11,647 |
| Pre-tax net operating income | $839,000 | 6,628 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $241,000 | 6,941 |
| Income before extraordinary items | $599,000 | 6,784 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $599,000 | 6,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-125,000 | 13,005 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $598,290 | 6,547 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,266,000 | 10,343 |
| Total interest expense | $773,000 | 11,454 |
| Net interest income | $1,493,000 | 9,299 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $88,000 | 12,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 12,406 |
| Total noninterest expense | $747,000 | 11,270 |
| Salaries and employee benefits | $530,000 | 9,485 |
| Premises and equipment expense | $24,000 | 13,574 |
| Additional noninterest expense | $193,000 | 12,331 |
| Pre-tax net operating income | $834,000 | 6,410 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $217,000 | 7,239 |
| Income before extraordinary items | $620,000 | 6,436 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $620,000 | 6,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 13,574 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $617,780 | 6,088 |
* 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.