Home > Bay Bank & Trust Co. > Income and Expense
Bay Bank & Trust Co., Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,147,000 | 3,274 |
| Total interest expense | $773,000 | 4,993 |
| Net interest income | $7,374,000 | 2,926 |
| Provision for loan and lease losses | $3,650,000 | 1,017 |
| Total noninterest income | $1,777,000 | 2,185 |
| Gross Fiduciary activities income | $417,000 | 596 |
| Service charges on deposit accounts | $548,000 | 2,386 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $812,000 | 2,423 |
| Total noninterest expense | $9,000,000 | 2,120 |
| Salaries and employee benefits | $4,175,000 | 2,313 |
| Premises and equipment expense | $1,082,000 | 2,240 |
| Additional noninterest expense | $3,743,000 | 1,808 |
| Pre-tax net operating income | $-3,499,000 | 6,961 |
| Securities gains (losses) | $-211,000 | 7,165 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-3,710,000 | 7,004 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,710,000 | 7,005 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,710,000 | 7,005 |
| Net charge-offs | $3,729,000 | 1,031 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,499,000 | 6,967 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,211,000 | 3,270 |
| Total interest expense | $622,000 | 4,961 |
| Net interest income | $5,589,000 | 2,920 |
| Provision for loan and lease losses | $3,350,000 | 853 |
| Total noninterest income | $1,286,000 | 2,234 |
| Gross Fiduciary activities income | $317,000 | 585 |
| Service charges on deposit accounts | $408,000 | 2,418 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $561,000 | 2,521 |
| Total noninterest expense | $6,825,000 | 2,104 |
| Salaries and employee benefits | $3,117,000 | 2,313 |
| Premises and equipment expense | $854,000 | 2,169 |
| Additional noninterest expense | $2,854,000 | 1,777 |
| Pre-tax net operating income | $-3,300,000 | 7,128 |
| Securities gains (losses) | $-213,000 | 7,287 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-3,513,000 | 7,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,513,000 | 7,186 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-3,513,000 | 7,189 |
| Net charge-offs | $3,345,000 | 873 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-3,300,000 | 7,159 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,194,000 | 3,262 |
| Total interest expense | $439,000 | 4,932 |
| Net interest income | $3,755,000 | 2,901 |
| Provision for loan and lease losses | $3,300,000 | 629 |
| Total noninterest income | $886,000 | 2,171 |
| Gross Fiduciary activities income | $227,000 | 578 |
| Service charges on deposit accounts | $355,000 | 1,946 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $304,000 | 2,860 |
| Total noninterest expense | $4,856,000 | 1,991 |
| Salaries and employee benefits | $2,084,000 | 2,324 |
| Premises and equipment expense | $574,000 | 2,180 |
| Additional noninterest expense | $2,198,000 | 1,574 |
| Pre-tax net operating income | $-3,515,000 | 7,300 |
| Securities gains (losses) | $-236,000 | 7,394 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-3,751,000 | 7,328 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,751,000 | 7,328 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-3,751,000 | 7,328 |
| Net charge-offs | $1,038,000 | 1,440 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-3,515,000 | 7,315 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,091,000 | 3,289 |
| Total interest expense | $229,000 | 4,949 |
| Net interest income | $1,862,000 | 2,902 |
| Provision for loan and lease losses | $300,000 | 1,892 |
| Total noninterest income | $427,000 | 2,248 |
| Gross Fiduciary activities income | $121,000 | 577 |
| Service charges on deposit accounts | $173,000 | 1,965 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $133,000 | 3,102 |
| Total noninterest expense | $2,628,000 | 1,860 |
| Salaries and employee benefits | $1,043,000 | 2,349 |
| Premises and equipment expense | $293,000 | 2,184 |
| Additional noninterest expense | $1,292,000 | 1,364 |
| Pre-tax net operating income | $-639,000 | 7,146 |
| Securities gains (losses) | $-236,000 | 7,475 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-875,000 | 7,270 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-875,000 | 7,271 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-875,000 | 7,271 |
| Net charge-offs | $18,000 | 4,096 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-639,000 | 7,178 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,283,000 | 3,453 |
| Total interest expense | $1,127,000 | 4,960 |
| Net interest income | $7,156,000 | 3,013 |
| Provision for loan and lease losses | $900,000 | 3,213 |
| Total noninterest income | $1,620,000 | 2,404 |
| Gross Fiduciary activities income | $371,000 | 624 |
| Service charges on deposit accounts | $790,000 | 1,852 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $459,000 | 3,311 |
| Total noninterest expense | $8,084,000 | 2,394 |
| Salaries and employee benefits | $4,097,000 | 2,355 |
| Premises and equipment expense | $1,176,000 | 2,137 |
| Additional noninterest expense | $2,811,000 | 2,406 |
| Pre-tax net operating income | $-208,000 | 6,038 |
| Securities gains (losses) | $267,000 | 1,360 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $59,000 | 5,762 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $59,000 | 5,763 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $59,000 | 5,763 |
| Net charge-offs | $1,627,000 | 2,087 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-208,000 | 6,118 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,180,000 | 3,544 |
| Total interest expense | $870,000 | 5,052 |
| Net interest income | $5,310,000 | 3,078 |
| Provision for loan and lease losses | $600,000 | 3,239 |
| Total noninterest income | $1,172,000 | 2,468 |
| Gross Fiduciary activities income | $273,000 | 618 |
| Service charges on deposit accounts | $606,000 | 1,871 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $293,000 | 3,581 |
| Total noninterest expense | $6,003,000 | 2,411 |
| Salaries and employee benefits | $3,007,000 | 2,412 |
| Premises and equipment expense | $895,000 | 2,136 |
| Additional noninterest expense | $2,101,000 | 2,383 |
| Pre-tax net operating income | $-121,000 | 6,186 |
| Securities gains (losses) | $255,000 | 1,187 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $134,000 | 5,584 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $134,000 | 5,585 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $134,000 | 5,585 |
| Net charge-offs | $1,092,000 | 2,090 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-121,000 | 6,239 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,102,000 | 3,583 |
| Total interest expense | $599,000 | 5,074 |
| Net interest income | $3,503,000 | 3,106 |
| Provision for loan and lease losses | $225,000 | 4,053 |
| Total noninterest income | $768,000 | 2,429 |
| Gross Fiduciary activities income | $187,000 | 620 |
| Service charges on deposit accounts | $419,000 | 1,815 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $162,000 | 3,858 |
| Total noninterest expense | $4,100,000 | 2,366 |
| Salaries and employee benefits | $2,014,000 | 2,421 |
| Premises and equipment expense | $581,000 | 2,218 |
| Additional noninterest expense | $1,505,000 | 2,251 |
| Pre-tax net operating income | $-54,000 | 6,186 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-54,000 | 6,320 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-54,000 | 6,322 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-54,000 | 6,320 |
| Net charge-offs | $971,000 | 1,760 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-54,000 | 6,230 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,016,000 | 3,690 |
| Total interest expense | $314,000 | 5,087 |
| Net interest income | $1,702,000 | 3,212 |
| Provision for loan and lease losses | $75,000 | 4,293 |
| Total noninterest income | $390,000 | 2,412 |
| Gross Fiduciary activities income | $94,000 | 625 |
| Service charges on deposit accounts | $205,000 | 1,838 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $91,000 | 3,692 |
| Total noninterest expense | $2,091,000 | 2,332 |
| Salaries and employee benefits | $1,032,000 | 2,397 |
| Premises and equipment expense | $285,000 | 2,309 |
| Additional noninterest expense | $774,000 | 2,191 |
| Pre-tax net operating income | $-74,000 | 6,581 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-74,000 | 6,688 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-74,000 | 6,689 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-74,000 | 6,688 |
| Net charge-offs | $945,000 | 1,079 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-74,000 | 6,617 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,832,000 | 3,560 |
| Total interest expense | $1,879,000 | 4,638 |
| Net interest income | $6,953,000 | 3,081 |
| Provision for loan and lease losses | $2,441,000 | 2,220 |
| Total noninterest income | $1,574,000 | 2,476 |
| Gross Fiduciary activities income | $397,000 | 598 |
| Service charges on deposit accounts | $851,000 | 1,946 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $326,000 | 3,864 |
| Total noninterest expense | $8,021,000 | 2,459 |
| Salaries and employee benefits | $4,154,000 | 2,368 |
| Premises and equipment expense | $1,232,000 | 2,165 |
| Additional noninterest expense | $2,635,000 | 2,623 |
| Pre-tax net operating income | $-1,935,000 | 6,618 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,935,000 | 6,730 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,935,000 | 6,728 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,935,000 | 6,728 |
| Net charge-offs | $1,592,000 | 2,305 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,935,000 | 6,732 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,673,000 | 3,580 |
| Total interest expense | $1,496,000 | 4,608 |
| Net interest income | $5,177,000 | 3,100 |
| Provision for loan and lease losses | $1,165,000 | 2,548 |
| Total noninterest income | $1,175,000 | 2,538 |
| Gross Fiduciary activities income | $310,000 | 584 |
| Service charges on deposit accounts | $621,000 | 1,998 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $244,000 | 3,950 |
| Total noninterest expense | $6,030,000 | 2,449 |
| Salaries and employee benefits | $3,109,000 | 2,393 |
| Premises and equipment expense | $952,000 | 2,128 |
| Additional noninterest expense | $1,969,000 | 2,607 |
| Pre-tax net operating income | $-843,000 | 6,567 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-843,000 | 6,652 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-843,000 | 6,654 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-843,000 | 6,654 |
| Net charge-offs | $889,000 | 2,329 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-843,000 | 6,652 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,485,000 | 3,598 |
| Total interest expense | $1,038,000 | 4,629 |
| Net interest income | $3,447,000 | 3,089 |
| Provision for loan and lease losses | $890,000 | 2,217 |
| Total noninterest income | $755,000 | 2,621 |
| Gross Fiduciary activities income | $184,000 | 610 |
| Service charges on deposit accounts | $396,000 | 2,041 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $175,000 | 3,868 |
| Total noninterest expense | $4,033,000 | 2,476 |
| Salaries and employee benefits | $2,095,000 | 2,410 |
| Premises and equipment expense | $628,000 | 2,176 |
| Additional noninterest expense | $1,310,000 | 2,629 |
| Pre-tax net operating income | $-721,000 | 6,835 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-721,000 | 6,960 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-721,000 | 6,960 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-721,000 | 6,960 |
| Net charge-offs | $762,000 | 1,893 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-721,000 | 6,945 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,246,000 | 3,637 |
| Total interest expense | $551,000 | 4,570 |
| Net interest income | $1,695,000 | 3,125 |
| Provision for loan and lease losses | $415,000 | 1,960 |
| Total noninterest income | $350,000 | 2,730 |
| Gross Fiduciary activities income | $77,000 | 669 |
| Service charges on deposit accounts | $190,000 | 2,051 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $83,000 | 3,952 |
| Total noninterest expense | $1,967,000 | 2,462 |
| Salaries and employee benefits | $1,081,000 | 2,372 |
| Premises and equipment expense | $311,000 | 2,233 |
| Additional noninterest expense | $575,000 | 2,660 |
| Pre-tax net operating income | $-337,000 | 7,118 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-337,000 | 7,259 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-337,000 | 7,260 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-337,000 | 7,260 |
| Net charge-offs | $628,000 | 1,224 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-337,000 | 7,212 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,097,000 | 3,014 |
| Total interest expense | $3,761,000 | 3,664 |
| Net interest income | $8,336,000 | 2,607 |
| Provision for loan and lease losses | $950,000 | 2,782 |
| Total noninterest income | $1,503,000 | 2,623 |
| Gross Fiduciary activities income | $349,000 | 643 |
| Service charges on deposit accounts | $804,000 | 2,118 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $350,000 | 3,829 |
| Total noninterest expense | $8,120,000 | 2,348 |
| Salaries and employee benefits | $4,686,000 | 2,170 |
| Premises and equipment expense | $1,255,000 | 2,149 |
| Additional noninterest expense | $2,179,000 | 2,646 |
| Pre-tax net operating income | $769,000 | 4,239 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $769,000 | 3,784 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $769,000 | 3,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $688,000 | 2,387 |
| Cash dividends | $477,000 | 3,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $769,000 | 3,905 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,582,000 | 2,925 |
| Total interest expense | $3,080,000 | 3,559 |
| Net interest income | $6,502,000 | 2,531 |
| Provision for loan and lease losses | $750,000 | 2,169 |
| Total noninterest income | $1,143,000 | 2,663 |
| Gross Fiduciary activities income | $274,000 | 640 |
| Service charges on deposit accounts | $593,000 | 2,165 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $276,000 | 3,825 |
| Total noninterest expense | $6,259,000 | 2,287 |
| Salaries and employee benefits | $3,593,000 | 2,140 |
| Premises and equipment expense | $970,000 | 2,099 |
| Additional noninterest expense | $1,696,000 | 2,498 |
| Pre-tax net operating income | $636,000 | 4,539 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $636,000 | 4,019 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $636,000 | 4,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 2,012 |
| Cash dividends | $477,000 | 2,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $636,000 | 4,158 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,693,000 | 2,851 |
| Total interest expense | $2,251,000 | 3,444 |
| Net interest income | $4,442,000 | 2,466 |
| Provision for loan and lease losses | $600,000 | 1,692 |
| Total noninterest income | $785,000 | 2,641 |
| Gross Fiduciary activities income | $202,000 | 628 |
| Service charges on deposit accounts | $392,000 | 2,164 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $191,000 | 3,858 |
| Total noninterest expense | $4,206,000 | 2,263 |
| Salaries and employee benefits | $2,424,000 | 2,139 |
| Premises and equipment expense | $644,000 | 2,090 |
| Additional noninterest expense | $1,138,000 | 2,451 |
| Pre-tax net operating income | $421,000 | 4,700 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $421,000 | 4,366 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $421,000 | 4,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,558 |
| Cash dividends | $477,000 | 2,353 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $421,000 | 4,306 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,631,000 | 2,692 |
| Total interest expense | $1,244,000 | 3,369 |
| Net interest income | $2,387,000 | 2,304 |
| Provision for loan and lease losses | $150,000 | 2,123 |
| Total noninterest income | $401,000 | 2,590 |
| Gross Fiduciary activities income | $119,000 | 613 |
| Service charges on deposit accounts | $189,000 | 2,180 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $93,000 | 3,915 |
| Total noninterest expense | $2,092,000 | 2,279 |
| Salaries and employee benefits | $1,216,000 | 2,157 |
| Premises and equipment expense | $325,000 | 2,083 |
| Additional noninterest expense | $551,000 | 2,492 |
| Pre-tax net operating income | $546,000 | 2,895 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $546,000 | 2,499 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $546,000 | 2,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,750 |
| Cash dividends | $477,000 | 1,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $546,000 | 2,428 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,477,000 | 2,358 |
| Total interest expense | $5,730,000 | 3,119 |
| Net interest income | $11,747,000 | 1,932 |
| Provision for loan and lease losses | $240,000 | 3,573 |
| Total noninterest income | $1,726,000 | 2,457 |
| Gross Fiduciary activities income | $367,000 | 658 |
| Service charges on deposit accounts | $779,000 | 2,185 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $580,000 | 3,061 |
| Total noninterest expense | $8,504,000 | 2,160 |
| Salaries and employee benefits | $4,985,000 | 2,014 |
| Premises and equipment expense | $1,321,000 | 1,982 |
| Additional noninterest expense | $2,198,000 | 2,451 |
| Pre-tax net operating income | $4,729,000 | 1,723 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $4,729,000 | 1,359 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,729,000 | 1,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 2,167 |
| Cash dividends | $3,413,000 | 1,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,729,000 | 1,346 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,334,000 | 2,326 |
| Total interest expense | $4,264,000 | 3,140 |
| Net interest income | $9,070,000 | 1,882 |
| Provision for loan and lease losses | $185,000 | 3,112 |
| Total noninterest income | $1,349,000 | 2,381 |
| Gross Fiduciary activities income | $284,000 | 653 |
| Service charges on deposit accounts | $586,000 | 2,157 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $479,000 | 2,917 |
| Total noninterest expense | $6,224,000 | 2,184 |
| Salaries and employee benefits | $3,609,000 | 2,097 |
| Premises and equipment expense | $987,000 | 1,959 |
| Additional noninterest expense | $1,628,000 | 2,432 |
| Pre-tax net operating income | $4,010,000 | 1,663 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $4,010,000 | 1,287 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,010,000 | 1,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,255 |
| Cash dividends | $3,052,000 | 844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,010,000 | 1,278 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,880,000 | 2,343 |
| Total interest expense | $2,776,000 | 3,192 |
| Net interest income | $6,104,000 | 1,889 |
| Provision for loan and lease losses | $100,000 | 3,268 |
| Total noninterest income | $943,000 | 2,325 |
| Gross Fiduciary activities income | $208,000 | 642 |
| Service charges on deposit accounts | $390,000 | 2,167 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $345,000 | 2,799 |
| Total noninterest expense | $4,155,000 | 2,210 |
| Salaries and employee benefits | $2,422,000 | 2,117 |
| Premises and equipment expense | $661,000 | 1,967 |
| Additional noninterest expense | $1,072,000 | 2,469 |
| Pre-tax net operating income | $2,792,000 | 1,650 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $2,792,000 | 1,284 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,792,000 | 1,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,221 |
| Cash dividends | $2,035,000 | 858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,792,000 | 1,265 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,401,000 | 2,359 |
| Total interest expense | $1,363,000 | 3,222 |
| Net interest income | $3,038,000 | 1,895 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $440,000 | 2,402 |
| Gross Fiduciary activities income | $93,000 | 673 |
| Service charges on deposit accounts | $195,000 | 2,093 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $152,000 | 2,994 |
| Total noninterest expense | $2,085,000 | 2,223 |
| Salaries and employee benefits | $1,208,000 | 2,123 |
| Premises and equipment expense | $336,000 | 1,943 |
| Additional noninterest expense | $541,000 | 2,436 |
| Pre-tax net operating income | $1,373,000 | 1,666 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,373,000 | 1,276 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,373,000 | 1,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $1,017,000 | 769 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,373,000 | 1,258 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,758,000 | 2,198 |
| Total interest expense | $4,596,000 | 3,251 |
| Net interest income | $13,162,000 | 1,748 |
| Provision for loan and lease losses | $240,000 | 3,157 |
| Total noninterest income | $1,949,000 | 2,272 |
| Gross Fiduciary activities income | $382,000 | 647 |
| Service charges on deposit accounts | $794,000 | 2,123 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $773,000 | 2,628 |
| Total noninterest expense | $8,407,000 | 2,097 |
| Salaries and employee benefits | $4,923,000 | 1,983 |
| Premises and equipment expense | $1,287,000 | 1,954 |
| Additional noninterest expense | $2,197,000 | 2,363 |
| Pre-tax net operating income | $6,464,000 | 1,501 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $6,464,000 | 1,141 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,464,000 | 1,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,610 |
| Cash dividends | $4,446,000 | 791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,464,000 | 1,131 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,235,000 | 2,207 |
| Total interest expense | $3,259,000 | 3,285 |
| Net interest income | $9,976,000 | 1,746 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $1,465,000 | 2,267 |
| Gross Fiduciary activities income | $294,000 | 638 |
| Service charges on deposit accounts | $593,000 | 2,141 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $578,000 | 2,639 |
| Total noninterest expense | $6,182,000 | 2,149 |
| Salaries and employee benefits | $3,582,000 | 2,044 |
| Premises and equipment expense | $972,000 | 1,957 |
| Additional noninterest expense | $1,628,000 | 2,376 |
| Pre-tax net operating income | $5,079,000 | 1,490 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $5,079,000 | 1,138 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,079,000 | 1,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $3,037,000 | 820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,079,000 | 1,124 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,550,000 | 2,231 |
| Total interest expense | $1,989,000 | 3,395 |
| Net interest income | $6,561,000 | 1,772 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $1,009,000 | 2,208 |
| Gross Fiduciary activities income | $202,000 | 638 |
| Service charges on deposit accounts | $401,000 | 2,098 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $406,000 | 2,544 |
| Total noninterest expense | $4,080,000 | 2,165 |
| Salaries and employee benefits | $2,359,000 | 2,076 |
| Premises and equipment expense | $643,000 | 1,963 |
| Additional noninterest expense | $1,078,000 | 2,394 |
| Pre-tax net operating income | $3,370,000 | 1,499 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $3,370,000 | 1,143 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,370,000 | 1,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $1,957,000 | 848 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,370,000 | 1,126 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,147,000 | 2,255 |
| Total interest expense | $919,000 | 3,478 |
| Net interest income | $3,228,000 | 1,788 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $491,000 | 2,215 |
| Gross Fiduciary activities income | $111,000 | 623 |
| Service charges on deposit accounts | $197,000 | 2,069 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $183,000 | 2,650 |
| Total noninterest expense | $2,014,000 | 2,200 |
| Salaries and employee benefits | $1,182,000 | 2,082 |
| Premises and equipment expense | $323,000 | 1,959 |
| Additional noninterest expense | $509,000 | 2,508 |
| Pre-tax net operating income | $1,645,000 | 1,505 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,645,000 | 1,130 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,645,000 | 1,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,032 |
| Cash dividends | $939,000 | 804 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,645,000 | 1,111 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,201,000 | 2,327 |
| Total interest expense | $2,814,000 | 3,513 |
| Net interest income | $11,387,000 | 1,952 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $2,029,000 | 2,185 |
| Gross Fiduciary activities income | $450,000 | 609 |
| Service charges on deposit accounts | $825,000 | 2,058 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $754,000 | 2,636 |
| Total noninterest expense | $7,634,000 | 2,183 |
| Salaries and employee benefits | $4,439,000 | 2,078 |
| Premises and equipment expense | $1,161,000 | 2,062 |
| Additional noninterest expense | $2,034,000 | 2,449 |
| Pre-tax net operating income | $5,662,000 | 1,651 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $5,662,000 | 1,268 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,662,000 | 1,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $2,238,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $290,000 | 601 |
| Net operating income | $5,662,000 | 1,243 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,179,000 | 2,374 |
| Total interest expense | $1,976,000 | 3,546 |
| Net interest income | $8,203,000 | 2,013 |
| Provision for loan and lease losses | $75,000 | 4,689 |
| Total noninterest income | $1,501,000 | 2,205 |
| Gross Fiduciary activities income | $336,000 | 606 |
| Service charges on deposit accounts | $618,000 | 2,049 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $547,000 | 2,709 |
| Total noninterest expense | $5,573,000 | 2,222 |
| Salaries and employee benefits | $3,228,000 | 2,121 |
| Premises and equipment expense | $874,000 | 2,039 |
| Additional noninterest expense | $1,471,000 | 2,500 |
| Pre-tax net operating income | $4,056,000 | 1,745 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $4,056,000 | 1,336 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,056,000 | 1,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $1,533,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,056,000 | 1,309 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,416,000 | 2,449 |
| Total interest expense | $1,256,000 | 3,512 |
| Net interest income | $5,160,000 | 2,103 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $1,005,000 | 2,161 |
| Gross Fiduciary activities income | $235,000 | 598 |
| Service charges on deposit accounts | $409,000 | 2,033 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $361,000 | 2,718 |
| Total noninterest expense | $3,652,000 | 2,248 |
| Salaries and employee benefits | $2,145,000 | 2,109 |
| Premises and equipment expense | $566,000 | 2,089 |
| Additional noninterest expense | $941,000 | 2,587 |
| Pre-tax net operating income | $2,483,000 | 1,855 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $2,483,000 | 1,404 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,483,000 | 1,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,892 |
| Cash dividends | $984,000 | 1,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,483,000 | 1,380 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,012,000 | 2,561 |
| Total interest expense | $599,000 | 3,502 |
| Net interest income | $2,413,000 | 2,232 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $500,000 | 2,134 |
| Gross Fiduciary activities income | $126,000 | 595 |
| Service charges on deposit accounts | $197,000 | 2,030 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $177,000 | 2,686 |
| Total noninterest expense | $1,823,000 | 2,275 |
| Salaries and employee benefits | $1,078,000 | 2,116 |
| Premises and equipment expense | $288,000 | 2,071 |
| Additional noninterest expense | $457,000 | 2,648 |
| Pre-tax net operating income | $1,090,000 | 2,021 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,090,000 | 1,543 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,090,000 | 1,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $434,000 | 1,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,090,000 | 1,519 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,497,000 | 2,963 |
| Total interest expense | $1,896,000 | 3,807 |
| Net interest income | $7,601,000 | 2,655 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,086,000 | 2,136 |
| Gross Fiduciary activities income | $338,000 | 662 |
| Service charges on deposit accounts | $858,000 | 2,001 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $890,000 | 2,313 |
| Total noninterest expense | $6,628,000 | 2,410 |
| Salaries and employee benefits | $3,803,000 | 2,287 |
| Premises and equipment expense | $1,052,000 | 2,176 |
| Additional noninterest expense | $1,773,000 | 2,681 |
| Pre-tax net operating income | $3,059,000 | 2,542 |
| Securities gains (losses) | $-26,000 | 8,443 |
| Applicable income taxes | $56,000 | 5,982 |
| Income before extraordinary items | $2,977,000 | 2,089 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,977,000 | 2,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,492 |
| Cash dividends | $1,389,000 | 1,846 |
| Sale, conversion, retirement of capital stock, net | $5,810,000 | 204 |
| Net operating income | $3,002,480 | 2,036 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,711,000 | 3,092 |
| Total interest expense | $1,342,000 | 3,941 |
| Net interest income | $5,369,000 | 2,801 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,620,000 | 2,092 |
| Gross Fiduciary activities income | $249,000 | 661 |
| Service charges on deposit accounts | $640,000 | 2,040 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $731,000 | 2,207 |
| Total noninterest expense | $4,934,000 | 2,408 |
| Salaries and employee benefits | $2,825,000 | 2,294 |
| Premises and equipment expense | $794,000 | 2,161 |
| Additional noninterest expense | $1,315,000 | 2,677 |
| Pre-tax net operating income | $2,055,000 | 2,814 |
| Securities gains (losses) | $-26,000 | 8,704 |
| Applicable income taxes | $56,000 | 5,887 |
| Income before extraordinary items | $1,973,000 | 2,350 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,973,000 | 2,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,479 |
| Cash dividends | $1,040,000 | 1,659 |
| Sale, conversion, retirement of capital stock, net | $5,810,000 | 150 |
| Net operating income | $1,998,220 | 2,270 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,290,000 | 3,195 |
| Total interest expense | $868,000 | 4,034 |
| Net interest income | $3,422,000 | 2,915 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,039,000 | 2,134 |
| Gross Fiduciary activities income | $157,000 | 682 |
| Service charges on deposit accounts | $416,000 | 2,075 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $466,000 | 2,304 |
| Total noninterest expense | $3,263,000 | 2,434 |
| Salaries and employee benefits | $1,886,000 | 2,294 |
| Premises and equipment expense | $517,000 | 2,211 |
| Additional noninterest expense | $860,000 | 2,739 |
| Pre-tax net operating income | $1,198,000 | 3,117 |
| Securities gains (losses) | $-26,000 | 8,833 |
| Applicable income taxes | $17,000 | 6,384 |
| Income before extraordinary items | $1,155,000 | 2,609 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,155,000 | 2,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,466 |
| Cash dividends | $692,000 | 1,721 |
| Sale, conversion, retirement of capital stock, net | $5,810,000 | 96 |
| Net operating income | $1,180,740 | 2,498 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,121,000 | 3,230 |
| Total interest expense | $436,000 | 4,066 |
| Net interest income | $1,685,000 | 2,950 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $461,000 | 2,285 |
| Gross Fiduciary activities income | $78,000 | 695 |
| Service charges on deposit accounts | $208,000 | 1,999 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $175,000 | 2,684 |
| Total noninterest expense | $1,642,000 | 2,435 |
| Salaries and employee benefits | $961,000 | 2,275 |
| Premises and equipment expense | $258,000 | 2,228 |
| Additional noninterest expense | $423,000 | 2,753 |
| Pre-tax net operating income | $504,000 | 3,503 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $504,000 | 2,929 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $504,000 | 2,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,736 |
| Cash dividends | $343,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $504,000 | 2,828 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,506,000 | 3,256 |
| Total interest expense | $2,109,000 | 3,864 |
| Net interest income | $6,397,000 | 3,006 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $2,206,000 | 2,157 |
| Gross Fiduciary activities income | $303,000 | 703 |
| Service charges on deposit accounts | $932,000 | 1,857 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $971,000 | 2,434 |
| Total noninterest expense | $6,172,000 | 2,536 |
| Salaries and employee benefits | $3,441,000 | 2,449 |
| Premises and equipment expense | $1,058,000 | 2,149 |
| Additional noninterest expense | $1,673,000 | 2,790 |
| Pre-tax net operating income | $2,431,000 | 2,953 |
| Securities gains (losses) | $39,000 | 2,721 |
| Applicable income taxes | $49,000 | 6,289 |
| Income before extraordinary items | $2,421,000 | 2,435 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,421,000 | 2,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,955 |
| Cash dividends | $2,315,000 | 1,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,382,780 | 2,369 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,370,000 | 3,301 |
| Total interest expense | $1,646,000 | 3,851 |
| Net interest income | $4,724,000 | 3,051 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,698,000 | 2,156 |
| Gross Fiduciary activities income | $224,000 | 707 |
| Service charges on deposit accounts | $700,000 | 1,851 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $774,000 | 2,414 |
| Total noninterest expense | $4,580,000 | 2,571 |
| Salaries and employee benefits | $2,546,000 | 2,480 |
| Premises and equipment expense | $805,000 | 2,125 |
| Additional noninterest expense | $1,229,000 | 2,822 |
| Pre-tax net operating income | $1,842,000 | 3,023 |
| Securities gains (losses) | $39,000 | 2,515 |
| Applicable income taxes | $49,000 | 6,220 |
| Income before extraordinary items | $1,832,000 | 2,518 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,832,000 | 2,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 8,993 |
| Cash dividends | $1,030,000 | 1,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,794,170 | 2,446 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,302,000 | 3,293 |
| Total interest expense | $1,149,000 | 3,806 |
| Net interest income | $3,153,000 | 3,035 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,263,000 | 1,972 |
| Gross Fiduciary activities income | $150,000 | 708 |
| Service charges on deposit accounts | $469,000 | 1,801 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $644,000 | 2,095 |
| Total noninterest expense | $3,027,000 | 2,574 |
| Salaries and employee benefits | $1,676,000 | 2,500 |
| Premises and equipment expense | $535,000 | 2,123 |
| Additional noninterest expense | $816,000 | 2,829 |
| Pre-tax net operating income | $1,389,000 | 2,760 |
| Securities gains (losses) | $38,000 | 2,204 |
| Applicable income taxes | $49,000 | 5,928 |
| Income before extraordinary items | $1,378,000 | 2,272 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,378,000 | 2,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,996 |
| Cash dividends | $686,000 | 1,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,341,140 | 2,194 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,171,000 | 3,287 |
| Total interest expense | $605,000 | 3,727 |
| Net interest income | $1,566,000 | 3,050 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $447,000 | 2,488 |
| Gross Fiduciary activities income | $74,000 | 728 |
| Service charges on deposit accounts | $230,000 | 1,784 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $143,000 | 3,308 |
| Total noninterest expense | $1,515,000 | 2,555 |
| Salaries and employee benefits | $836,000 | 2,521 |
| Premises and equipment expense | $271,000 | 2,104 |
| Additional noninterest expense | $408,000 | 2,805 |
| Pre-tax net operating income | $498,000 | 3,504 |
| Securities gains (losses) | $38,000 | 1,549 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $536,000 | 2,801 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $536,000 | 2,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,934 |
| Cash dividends | $343,000 | 1,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $498,000 | 2,810 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,704,000 | 3,097 |
| Total interest expense | $2,853,000 | 3,670 |
| Net interest income | $6,851,000 | 2,788 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,677,000 | 2,434 |
| Gross Fiduciary activities income | $277,000 | 735 |
| Service charges on deposit accounts | $918,000 | 1,749 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $482,000 | 3,353 |
| Total noninterest expense | $6,046,000 | 2,443 |
| Salaries and employee benefits | $3,302,000 | 2,414 |
| Premises and equipment expense | $1,053,000 | 2,078 |
| Additional noninterest expense | $1,691,000 | 2,674 |
| Pre-tax net operating income | $2,482,000 | 2,897 |
| Securities gains (losses) | $125,000 | 1,551 |
| Applicable income taxes | $88,000 | 6,081 |
| Income before extraordinary items | $2,519,000 | 2,333 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,519,000 | 2,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,843 |
| Cash dividends | $2,389,000 | 1,143 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,397,750 | 2,354 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,562,000 | 2,933 |
| Total interest expense | $4,545,000 | 3,419 |
| Net interest income | $7,017,000 | 2,550 |
| Provision for loan and lease losses | $-150,000 | 9,550 |
| Total noninterest income | $1,629,000 | 2,348 |
| Gross Fiduciary activities income | $290,000 | 730 |
| Service charges on deposit accounts | $969,000 | 1,527 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $370,000 | 3,708 |
| Total noninterest expense | $6,017,000 | 2,373 |
| Salaries and employee benefits | $3,234,000 | 2,319 |
| Premises and equipment expense | $1,022,000 | 2,089 |
| Additional noninterest expense | $1,761,000 | 2,522 |
| Pre-tax net operating income | $2,779,000 | 2,437 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $139,000 | 5,564 |
| Income before extraordinary items | $2,640,000 | 1,986 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,640,000 | 1,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 9,451 |
| Cash dividends | $2,640,000 | 1,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,640,000 | 1,909 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,585,000 | 2,781 |
| Total interest expense | $4,859,000 | 3,408 |
| Net interest income | $7,726,000 | 2,297 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,717,000 | 2,105 |
| Gross Fiduciary activities income | $298,000 | 717 |
| Service charges on deposit accounts | $1,018,000 | 1,334 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $401,000 | 3,338 |
| Total noninterest expense | $6,219,000 | 2,211 |
| Salaries and employee benefits | $3,381,000 | 2,115 |
| Premises and equipment expense | $1,045,000 | 1,984 |
| Additional noninterest expense | $1,793,000 | 2,392 |
| Pre-tax net operating income | $3,224,000 | 2,234 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $94,000 | 6,592 |
| Income before extraordinary items | $3,130,000 | 1,677 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,130,000 | 1,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $3,091,000 | 934 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,130,000 | 1,672 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,488,000 | 2,816 |
| Total interest expense | $4,394,000 | 3,312 |
| Net interest income | $7,094,000 | 2,489 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,852,000 | 1,960 |
| Gross Fiduciary activities income | $287,000 | 781 |
| Service charges on deposit accounts | $1,106,000 | 1,201 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $459,000 | 3,120 |
| Total noninterest expense | $6,250,000 | 2,184 |
| Salaries and employee benefits | $3,500,000 | 2,004 |
| Premises and equipment expense | $1,045,000 | 1,959 |
| Additional noninterest expense | $1,705,000 | 2,534 |
| Pre-tax net operating income | $2,696,000 | 2,629 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $15,000 | 8,345 |
| Income before extraordinary items | $2,681,000 | 1,974 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,681,000 | 1,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,302 |
| Cash dividends | $2,289,000 | 1,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,681,000 | 1,940 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,092,000 | 2,908 |
| Total interest expense | $4,378,000 | 3,392 |
| Net interest income | $6,714,000 | 2,530 |
| Provision for loan and lease losses | $-175,000 | 10,368 |
| Total noninterest income | $2,083,000 | 1,771 |
| Gross Fiduciary activities income | $284,000 | 793 |
| Service charges on deposit accounts | $1,042,000 | 1,206 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $757,000 | 2,252 |
| Total noninterest expense | $6,462,000 | 2,029 |
| Salaries and employee benefits | $3,487,000 | 1,906 |
| Premises and equipment expense | $1,066,000 | 1,848 |
| Additional noninterest expense | $1,909,000 | 2,195 |
| Pre-tax net operating income | $2,510,000 | 2,776 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $861,000 | 2,572 |
| Income before extraordinary items | $1,652,000 | 3,007 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,652,000 | 3,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,791 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,650,020 | 2,926 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,526,000 | 3,082 |
| Total interest expense | $3,980,000 | 3,692 |
| Net interest income | $6,546,000 | 2,662 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $2,627,000 | 1,427 |
| Gross Fiduciary activities income | $246,000 | 852 |
| Service charges on deposit accounts | $1,110,000 | 1,129 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,271,000 | 1,487 |
| Total noninterest expense | $6,428,000 | 2,009 |
| Salaries and employee benefits | $3,441,000 | 1,911 |
| Premises and equipment expense | $1,004,000 | 1,968 |
| Additional noninterest expense | $1,983,000 | 2,102 |
| Pre-tax net operating income | $2,745,000 | 2,700 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,020,000 | 2,395 |
| Income before extraordinary items | $1,725,000 | 2,952 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,725,000 | 2,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,926 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $437,000 | 572 |
| Net operating income | $1,725,000 | 2,897 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,004,000 | 3,277 |
| Total interest expense | $3,636,000 | 4,047 |
| Net interest income | $6,368,000 | 2,774 |
| Provision for loan and lease losses | $128,000 | 4,455 |
| Total noninterest income | $1,722,000 | 2,074 |
| Gross Fiduciary activities income | $206,000 | 957 |
| Service charges on deposit accounts | $1,143,000 | 1,160 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $373,000 | 3,535 |
| Total noninterest expense | $6,429,000 | 2,141 |
| Salaries and employee benefits | $3,187,000 | 2,097 |
| Premises and equipment expense | $974,000 | 2,066 |
| Additional noninterest expense | $2,268,000 | 2,199 |
| Pre-tax net operating income | $1,533,000 | 4,260 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $462,000 | 4,417 |
| Income before extraordinary items | $1,071,000 | 4,243 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,071,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,071,000 | 4,185 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,910,000 | 3,307 |
| Total interest expense | $3,498,000 | 4,158 |
| Net interest income | $6,412,000 | 2,787 |
| Provision for loan and lease losses | $423,000 | 1,786 |
| Total noninterest income | $1,887,000 | 1,927 |
| Gross Fiduciary activities income | $153,000 | 1,061 |
| Service charges on deposit accounts | $1,123,000 | 1,191 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $611,000 | 2,504 |
| Total noninterest expense | $6,925,000 | 1,994 |
| Salaries and employee benefits | $3,054,000 | 2,171 |
| Premises and equipment expense | $1,054,000 | 1,933 |
| Additional noninterest expense | $2,817,000 | 1,789 |
| Pre-tax net operating income | $951,000 | 6,191 |
| Securities gains (losses) | $68,000 | 1,130 |
| Applicable income taxes | $-33,000 | 11,600 |
| Income before extraordinary items | $1,052,000 | 4,396 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,052,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $569,000 | 1,268 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $984,000 | 4,647 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,229,000 | 3,266 |
| Total interest expense | $3,284,000 | 3,655 |
| Net interest income | $5,945,000 | 3,022 |
| Provision for loan and lease losses | $561,000 | 1,410 |
| Total noninterest income | $3,962,000 | 1,082 |
| Gross Fiduciary activities income | $154,000 | 1,081 |
| Service charges on deposit accounts | $1,298,000 | 1,024 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,510,000 | 985 |
| Total noninterest expense | $9,224,000 | 1,593 |
| Salaries and employee benefits | $3,593,000 | 1,864 |
| Premises and equipment expense | $1,096,000 | 1,864 |
| Additional noninterest expense | $4,535,000 | 1,279 |
| Pre-tax net operating income | $122,000 | 11,476 |
| Securities gains (losses) | $70,000 | 960 |
| Applicable income taxes | $-48,000 | 12,210 |
| Income before extraordinary items | $240,000 | 9,807 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $240,000 | 9,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,123,000 | 802 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,199,000 | 392 |
| Net operating income | $170,000 | 10,648 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,097,000 | 3,050 |
| Total interest expense | $4,127,000 | 3,080 |
| Net interest income | $5,970,000 | 3,041 |
| Provision for loan and lease losses | $1,100,000 | 1,211 |
| Total noninterest income | $4,753,000 | 1,024 |
| Gross Fiduciary activities income | $173,000 | 1,086 |
| Service charges on deposit accounts | $1,559,000 | 831 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,021,000 | 955 |
| Total noninterest expense | $11,121,000 | 1,380 |
| Salaries and employee benefits | $4,072,000 | 1,658 |
| Premises and equipment expense | $1,172,000 | 1,793 |
| Additional noninterest expense | $5,877,000 | 1,117 |
| Pre-tax net operating income | $-1,498,000 | 13,034 |
| Securities gains (losses) | $119,000 | 2,269 |
| Applicable income taxes | $-3,000 | 12,743 |
| Income before extraordinary items | $-1,376,000 | 13,043 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,376,000 | 13,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $766,000 | 1,352 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-1,495,000 | 13,019 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,095,000 | 2,894 |
| Total interest expense | $5,230,000 | 3,174 |
| Net interest income | $6,865,000 | 2,646 |
| Provision for loan and lease losses | $2,860,000 | 871 |
| Total noninterest income | $5,819,000 | 876 |
| Gross Fiduciary activities income | $200,000 | 1,084 |
| Service charges on deposit accounts | $1,665,000 | 791 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,954,000 | 789 |
| Total noninterest expense | $12,259,000 | 1,300 |
| Salaries and employee benefits | $4,353,000 | 1,527 |
| Premises and equipment expense | $1,294,000 | 1,649 |
| Additional noninterest expense | $6,612,000 | 1,056 |
| Pre-tax net operating income | $-2,435,000 | 13,680 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-30,000 | 13,458 |
| Income before extraordinary items | $-2,405,000 | 13,716 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-2,405,000 | 13,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,161,000 | 918 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 910 |
| Net operating income | $-2,405,000 | 13,664 |
* 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.