Home > Bay First Bank. > Income and Expense
Bay First Bank., Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,653,000 | 2,750 |
| Total interest expense | $1,693,000 | 2,688 |
| Net interest income | $1,960,000 | 2,813 |
| Provision for loan and lease losses | $39,000 | 3,484 |
| Total noninterest income | $396,000 | 2,580 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $227,000 | 1,854 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $169,000 | 2,811 |
| Total noninterest expense | $2,175,000 | 2,130 |
| Salaries and employee benefits | $702,000 | 3,450 |
| Premises and equipment expense | $217,000 | 2,921 |
| Additional noninterest expense | $1,256,000 | 1,080 |
| Pre-tax net operating income | $142,000 | 6,140 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $48,000 | 4,172 |
| Income before extraordinary items | $94,000 | 6,482 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $94,000 | 6,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $94,000 | 6,470 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,728,000 | 3,657 |
| Total interest expense | $4,275,000 | 3,426 |
| Net interest income | $5,453,000 | 3,775 |
| Provision for loan and lease losses | $315,000 | 2,676 |
| Total noninterest income | $1,397,000 | 2,837 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $775,000 | 2,173 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $622,000 | 2,950 |
| Total noninterest expense | $5,192,000 | 3,248 |
| Salaries and employee benefits | $1,990,000 | 4,282 |
| Premises and equipment expense | $645,000 | 3,566 |
| Additional noninterest expense | $2,557,000 | 2,057 |
| Pre-tax net operating income | $1,343,000 | 4,539 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $507,000 | 3,144 |
| Income before extraordinary items | $836,000 | 5,115 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $836,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,414 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $836,000 | 5,112 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,415,000 | 3,986 |
| Total interest expense | $2,688,000 | 3,782 |
| Net interest income | $3,727,000 | 4,054 |
| Provision for loan and lease losses | $205,000 | 2,826 |
| Total noninterest income | $989,000 | 2,940 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $549,000 | 2,284 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $440,000 | 3,056 |
| Total noninterest expense | $3,563,000 | 3,482 |
| Salaries and employee benefits | $1,353,000 | 4,584 |
| Premises and equipment expense | $425,000 | 3,942 |
| Additional noninterest expense | $1,785,000 | 2,187 |
| Pre-tax net operating income | $948,000 | 4,832 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $359,000 | 3,333 |
| Income before extraordinary items | $589,000 | 5,400 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $589,000 | 5,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,075 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $589,000 | 5,395 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,105,000 | 4,052 |
| Total interest expense | $1,692,000 | 3,812 |
| Net interest income | $2,413,000 | 4,142 |
| Provision for loan and lease losses | $80,000 | 3,718 |
| Total noninterest income | $681,000 | 2,874 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $363,000 | 2,276 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $318,000 | 2,902 |
| Total noninterest expense | $2,342,000 | 3,526 |
| Salaries and employee benefits | $907,000 | 4,597 |
| Premises and equipment expense | $275,000 | 4,040 |
| Additional noninterest expense | $1,160,000 | 2,242 |
| Pre-tax net operating income | $672,000 | 4,729 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $255,000 | 3,273 |
| Income before extraordinary items | $417,000 | 5,284 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $417,000 | 5,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 1,990 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $417,000 | 5,285 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,953,000 | 4,153 |
| Total interest expense | $762,000 | 3,945 |
| Net interest income | $1,191,000 | 4,186 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $321,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $172,000 | 2,312 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $149,000 | 2,973 |
| Total noninterest expense | $1,200,000 | 3,471 |
| Salaries and employee benefits | $466,000 | 4,510 |
| Premises and equipment expense | $141,000 | 3,962 |
| Additional noninterest expense | $593,000 | 2,179 |
| Pre-tax net operating income | $282,000 | 5,107 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $106,000 | 3,517 |
| Income before extraordinary items | $176,000 | 5,600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $176,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,230 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $176,000 | 5,595 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,858,000 | 4,211 |
| Total interest expense | $2,377,000 | 3,958 |
| Net interest income | $4,481,000 | 4,273 |
| Provision for loan and lease losses | $85,000 | 5,057 |
| Total noninterest income | $1,246,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $710,000 | 2,322 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $536,000 | 3,247 |
| Total noninterest expense | $4,563,000 | 3,482 |
| Salaries and employee benefits | $1,777,000 | 4,519 |
| Premises and equipment expense | $480,000 | 4,297 |
| Additional noninterest expense | $2,306,000 | 2,172 |
| Pre-tax net operating income | $1,079,000 | 5,163 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $338,000 | 3,954 |
| Income before extraordinary items | $741,000 | 5,539 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $741,000 | 5,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,317 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $741,000 | 5,506 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,967,000 | 4,264 |
| Total interest expense | $1,659,000 | 4,014 |
| Net interest income | $3,308,000 | 4,333 |
| Provision for loan and lease losses | $58,000 | 5,018 |
| Total noninterest income | $893,000 | 3,160 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $529,000 | 2,331 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $364,000 | 3,441 |
| Total noninterest expense | $3,411,000 | 3,467 |
| Salaries and employee benefits | $1,332,000 | 4,491 |
| Premises and equipment expense | $369,000 | 4,212 |
| Additional noninterest expense | $1,710,000 | 2,168 |
| Pre-tax net operating income | $732,000 | 5,550 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $206,000 | 4,368 |
| Income before extraordinary items | $526,000 | 5,783 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $526,000 | 5,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,898 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $526,000 | 5,752 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,185,000 | 4,318 |
| Total interest expense | $1,021,000 | 4,070 |
| Net interest income | $2,164,000 | 4,366 |
| Provision for loan and lease losses | $42,000 | 4,804 |
| Total noninterest income | $567,000 | 3,238 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $340,000 | 2,369 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $227,000 | 3,541 |
| Total noninterest expense | $2,257,000 | 3,465 |
| Salaries and employee benefits | $883,000 | 4,490 |
| Premises and equipment expense | $248,000 | 4,176 |
| Additional noninterest expense | $1,126,000 | 2,185 |
| Pre-tax net operating income | $432,000 | 5,792 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $153,000 | 4,217 |
| Income before extraordinary items | $279,000 | 6,270 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $279,000 | 6,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $279,000 | 6,220 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,514,000 | 4,457 |
| Total interest expense | $461,000 | 4,264 |
| Net interest income | $1,053,000 | 4,458 |
| Provision for loan and lease losses | $16,000 | 4,844 |
| Total noninterest income | $262,000 | 3,363 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $157,000 | 2,463 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $105,000 | 3,636 |
| Total noninterest expense | $1,114,000 | 3,526 |
| Salaries and employee benefits | $430,000 | 4,588 |
| Premises and equipment expense | $125,000 | 4,196 |
| Additional noninterest expense | $559,000 | 2,186 |
| Pre-tax net operating income | $185,000 | 6,128 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $64,000 | 4,424 |
| Income before extraordinary items | $121,000 | 6,554 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $121,000 | 6,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,290 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $121,000 | 6,511 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,825,000 | 4,349 |
| Total interest expense | $1,574,000 | 4,390 |
| Net interest income | $4,251,000 | 4,297 |
| Provision for loan and lease losses | $186,000 | 3,822 |
| Total noninterest income | $1,031,000 | 3,464 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $578,000 | 2,791 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $453,000 | 3,498 |
| Total noninterest expense | $4,103,000 | 3,659 |
| Salaries and employee benefits | $1,482,000 | 4,998 |
| Premises and equipment expense | $499,000 | 4,099 |
| Additional noninterest expense | $2,122,000 | 2,288 |
| Pre-tax net operating income | $993,000 | 5,258 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $341,000 | 3,975 |
| Income before extraordinary items | $652,000 | 5,773 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $652,000 | 5,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,265 |
| Cash dividends | $440,000 | 3,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $652,000 | 5,701 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,354,000 | 4,338 |
| Total interest expense | $1,162,000 | 4,384 |
| Net interest income | $3,192,000 | 4,292 |
| Provision for loan and lease losses | $147,000 | 3,580 |
| Total noninterest income | $737,000 | 3,609 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $406,000 | 2,976 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $331,000 | 3,550 |
| Total noninterest expense | $3,059,000 | 3,659 |
| Salaries and employee benefits | $1,080,000 | 5,035 |
| Premises and equipment expense | $378,000 | 4,042 |
| Additional noninterest expense | $1,601,000 | 2,261 |
| Pre-tax net operating income | $723,000 | 5,444 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $244,000 | 4,127 |
| Income before extraordinary items | $479,000 | 5,916 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $479,000 | 5,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 2,447 |
| Cash dividends | $440,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $479,000 | 5,838 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,928,000 | 4,323 |
| Total interest expense | $784,000 | 4,340 |
| Net interest income | $2,144,000 | 4,266 |
| Provision for loan and lease losses | $107,000 | 3,361 |
| Total noninterest income | $501,000 | 3,569 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $270,000 | 2,949 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $231,000 | 3,461 |
| Total noninterest expense | $1,973,000 | 3,776 |
| Salaries and employee benefits | $697,000 | 5,186 |
| Premises and equipment expense | $253,000 | 4,030 |
| Additional noninterest expense | $1,023,000 | 2,345 |
| Pre-tax net operating income | $565,000 | 4,976 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $194,000 | 3,842 |
| Income before extraordinary items | $371,000 | 5,520 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $371,000 | 5,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,801 |
| Cash dividends | $440,000 | 2,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $371,000 | 5,422 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,458,000 | 4,356 |
| Total interest expense | $405,000 | 4,286 |
| Net interest income | $1,053,000 | 4,321 |
| Provision for loan and lease losses | $17,000 | 4,995 |
| Total noninterest income | $233,000 | 3,683 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $134,000 | 2,908 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $99,000 | 3,738 |
| Total noninterest expense | $960,000 | 3,882 |
| Salaries and employee benefits | $346,000 | 5,227 |
| Premises and equipment expense | $132,000 | 3,942 |
| Additional noninterest expense | $482,000 | 2,450 |
| Pre-tax net operating income | $309,000 | 4,743 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $107,000 | 3,673 |
| Income before extraordinary items | $202,000 | 5,319 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $202,000 | 5,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,590 |
| Cash dividends | $220,000 | 2,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $202,000 | 5,198 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,247,000 | 4,195 |
| Total interest expense | $1,724,000 | 4,483 |
| Net interest income | $4,523,000 | 3,983 |
| Provision for loan and lease losses | $53,000 | 6,206 |
| Total noninterest income | $1,336,000 | 3,074 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $511,000 | 3,034 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $825,000 | 2,684 |
| Total noninterest expense | $3,764,000 | 3,877 |
| Salaries and employee benefits | $1,399,000 | 5,096 |
| Premises and equipment expense | $454,000 | 4,346 |
| Additional noninterest expense | $1,911,000 | 2,514 |
| Pre-tax net operating income | $2,042,000 | 3,351 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $748,000 | 2,661 |
| Income before extraordinary items | $1,294,000 | 3,939 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,294,000 | 3,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,615 |
| Cash dividends | $880,000 | 2,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,294,000 | 3,773 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,747,000 | 4,191 |
| Total interest expense | $1,309,000 | 4,558 |
| Net interest income | $3,438,000 | 3,964 |
| Provision for loan and lease losses | $26,000 | 6,575 |
| Total noninterest income | $996,000 | 3,148 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $371,000 | 3,132 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $625,000 | 2,765 |
| Total noninterest expense | $2,809,000 | 3,885 |
| Salaries and employee benefits | $1,041,000 | 5,109 |
| Premises and equipment expense | $333,000 | 4,414 |
| Additional noninterest expense | $1,435,000 | 2,494 |
| Pre-tax net operating income | $1,599,000 | 3,385 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $598,000 | 2,672 |
| Income before extraordinary items | $1,001,000 | 3,972 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,001,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,765 |
| Cash dividends | $660,000 | 2,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,001,000 | 3,818 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,212,000 | 4,181 |
| Total interest expense | $885,000 | 4,630 |
| Net interest income | $2,327,000 | 3,921 |
| Provision for loan and lease losses | $8,000 | 6,936 |
| Total noninterest income | $666,000 | 3,114 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $247,000 | 3,089 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $419,000 | 2,726 |
| Total noninterest expense | $1,826,000 | 3,950 |
| Salaries and employee benefits | $678,000 | 5,199 |
| Premises and equipment expense | $227,000 | 4,353 |
| Additional noninterest expense | $921,000 | 2,559 |
| Pre-tax net operating income | $1,159,000 | 3,167 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $436,000 | 2,520 |
| Income before extraordinary items | $723,000 | 3,774 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $723,000 | 3,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $440,000 | 2,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $723,000 | 3,585 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 4,160 |
| Total interest expense | $449,000 | 4,674 |
| Net interest income | $1,183,000 | 3,869 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $306,000 | 3,204 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $112,000 | 3,257 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $194,000 | 2,773 |
| Total noninterest expense | $891,000 | 4,021 |
| Salaries and employee benefits | $346,000 | 5,136 |
| Premises and equipment expense | $118,000 | 4,220 |
| Additional noninterest expense | $427,000 | 2,696 |
| Pre-tax net operating income | $598,000 | 3,085 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $226,000 | 2,491 |
| Income before extraordinary items | $372,000 | 3,652 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $372,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,771 |
| Cash dividends | $220,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $372,000 | 3,478 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,482,000 | 4,306 |
| Total interest expense | $1,824,000 | 5,106 |
| Net interest income | $4,658,000 | 3,868 |
| Provision for loan and lease losses | $77,000 | 6,140 |
| Total noninterest income | $1,007,000 | 3,470 |
| Gross Fiduciary activities income | $1,000 | 1,652 |
| Service charges on deposit accounts | $431,000 | 3,353 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $575,000 | 3,047 |
| Total noninterest expense | $3,383,000 | 4,076 |
| Salaries and employee benefits | $1,639,000 | 4,381 |
| Premises and equipment expense | $397,000 | 4,682 |
| Additional noninterest expense | $1,347,000 | 3,261 |
| Pre-tax net operating income | $2,205,000 | 3,204 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $823,000 | 2,544 |
| Income before extraordinary items | $1,382,000 | 3,715 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,382,000 | 3,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,336 |
| Cash dividends | $880,000 | 2,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,382,000 | 3,606 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,970,000 | 4,452 |
| Total interest expense | $2,623,000 | 5,233 |
| Net interest income | $4,347,000 | 3,870 |
| Provision for loan and lease losses | $101,000 | 5,569 |
| Total noninterest income | $723,000 | 4,114 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $368,000 | 3,624 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $355,000 | 3,780 |
| Total noninterest expense | $2,800,000 | 4,574 |
| Salaries and employee benefits | $1,523,000 | 4,460 |
| Premises and equipment expense | $511,000 | 3,798 |
| Additional noninterest expense | $766,000 | 4,937 |
| Pre-tax net operating income | $2,169,000 | 2,994 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $808,000 | 2,409 |
| Income before extraordinary items | $1,361,000 | 3,477 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,361,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $880,000 | 2,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,361,000 | 3,375 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,787,000 | 4,698 |
| Total interest expense | $2,645,000 | 5,376 |
| Net interest income | $4,142,000 | 4,064 |
| Provision for loan and lease losses | $86,000 | 5,621 |
| Total noninterest income | $949,000 | 3,255 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 3,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $618,000 | 2,594 |
| Total noninterest expense | $2,928,000 | 4,319 |
| Salaries and employee benefits | $1,513,000 | 4,333 |
| Premises and equipment expense | $500,000 | 3,789 |
| Additional noninterest expense | $915,000 | 4,285 |
| Pre-tax net operating income | $2,077,000 | 3,229 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $750,000 | 2,633 |
| Income before extraordinary items | $1,327,000 | 3,585 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,327,000 | 3,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,044 |
| Cash dividends | $1,220,000 | 1,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,327,000 | 3,564 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,143,000 | 4,867 |
| Total interest expense | $2,255,000 | 5,555 |
| Net interest income | $3,888,000 | 4,283 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $497,000 | 4,973 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 3,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,180 |
| Total noninterest expense | $2,667,000 | 4,635 |
| Salaries and employee benefits | $1,394,000 | 4,606 |
| Premises and equipment expense | $511,000 | 3,695 |
| Additional noninterest expense | $762,000 | 4,967 |
| Pre-tax net operating income | $1,658,000 | 3,831 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $697,000 | 2,907 |
| Income before extraordinary items | $961,000 | 4,545 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $961,000 | 4,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,121 |
| Cash dividends | $445,000 | 3,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $961,000 | 4,501 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,922,000 | 5,052 |
| Total interest expense | $2,289,000 | 5,676 |
| Net interest income | $3,633,000 | 4,449 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $514,000 | 4,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 3,899 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 4,852 |
| Total noninterest expense | $2,730,000 | 4,468 |
| Salaries and employee benefits | $1,367,000 | 4,576 |
| Premises and equipment expense | $545,000 | 3,452 |
| Additional noninterest expense | $818,000 | 4,607 |
| Pre-tax net operating income | $1,357,000 | 4,483 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $513,000 | 3,769 |
| Income before extraordinary items | $844,000 | 5,018 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $844,000 | 5,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $410,000 | 3,922 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $844,000 | 4,933 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,484,000 | 5,425 |
| Total interest expense | $2,012,000 | 6,248 |
| Net interest income | $3,472,000 | 4,759 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $425,000 | 5,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $286,000 | 4,225 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 5,896 |
| Total noninterest expense | $2,628,000 | 4,581 |
| Salaries and employee benefits | $1,396,000 | 4,512 |
| Premises and equipment expense | $518,000 | 3,591 |
| Additional noninterest expense | $714,000 | 5,140 |
| Pre-tax net operating income | $1,269,000 | 5,052 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $424,000 | 4,705 |
| Income before extraordinary items | $852,000 | 5,246 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $852,000 | 5,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,298 |
| Cash dividends | $714,000 | 2,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $847,310 | 5,210 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,146,000 | 5,818 |
| Total interest expense | $1,958,000 | 6,494 |
| Net interest income | $3,188,000 | 5,206 |
| Provision for loan and lease losses | $-40,000 | 11,174 |
| Total noninterest income | $406,000 | 5,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,462 |
| Total noninterest expense | $2,429,000 | 5,125 |
| Salaries and employee benefits | $1,251,000 | 5,014 |
| Premises and equipment expense | $537,000 | 3,563 |
| Additional noninterest expense | $641,000 | 6,087 |
| Pre-tax net operating income | $1,205,000 | 5,108 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $374,000 | 5,106 |
| Income before extraordinary items | $831,000 | 5,162 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $831,000 | 5,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,473 |
| Cash dividends | $260,000 | 4,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $831,000 | 5,103 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 5,887 |
| Total interest expense | $1,986,000 | 6,503 |
| Net interest income | $3,131,000 | 5,314 |
| Provision for loan and lease losses | $-258,000 | 11,844 |
| Total noninterest income | $438,000 | 5,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,535 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,834 |
| Total noninterest expense | $2,708,000 | 4,668 |
| Salaries and employee benefits | $1,346,000 | 4,725 |
| Premises and equipment expense | $522,000 | 3,625 |
| Additional noninterest expense | $840,000 | 5,047 |
| Pre-tax net operating income | $1,119,000 | 5,529 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $309,000 | 5,889 |
| Income before extraordinary items | $810,000 | 5,399 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $810,000 | 5,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,798 |
| Cash dividends | $770,000 | 2,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $810,000 | 5,369 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,044,000 | 5,638 |
| Total interest expense | $1,600,000 | 6,604 |
| Net interest income | $3,444,000 | 5,007 |
| Provision for loan and lease losses | $73,000 | 5,231 |
| Total noninterest income | $362,000 | 6,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,327 |
| Total noninterest expense | $2,692,000 | 4,840 |
| Salaries and employee benefits | $1,318,000 | 4,814 |
| Premises and equipment expense | $572,000 | 3,413 |
| Additional noninterest expense | $802,000 | 5,697 |
| Pre-tax net operating income | $1,041,000 | 5,792 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $417,000 | 4,615 |
| Income before extraordinary items | $624,000 | 6,367 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $624,000 | 6,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,399 |
| Cash dividends | $249,000 | 4,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $624,000 | 6,442 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 5,659 |
| Total interest expense | $1,775,000 | 6,406 |
| Net interest income | $3,342,000 | 5,162 |
| Provision for loan and lease losses | $199,000 | 3,952 |
| Total noninterest income | $337,000 | 7,188 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,389 |
| Total noninterest expense | $2,690,000 | 4,947 |
| Salaries and employee benefits | $1,402,000 | 4,543 |
| Premises and equipment expense | $511,000 | 3,790 |
| Additional noninterest expense | $777,000 | 6,061 |
| Pre-tax net operating income | $790,000 | 6,868 |
| Securities gains (losses) | $56,000 | 3,232 |
| Applicable income taxes | $312,000 | 5,925 |
| Income before extraordinary items | $534,000 | 7,278 |
| Extraordinary gains, net | $-29,000 | 12,546 |
| Net income | $505,000 | 7,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $249,000 | 4,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $498,160 | 7,317 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,671,000 | 5,745 |
| Total interest expense | $2,311,000 | 6,379 |
| Net interest income | $3,360,000 | 5,196 |
| Provision for loan and lease losses | $231,000 | 4,835 |
| Total noninterest income | $339,000 | 7,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,594 |
| Total noninterest expense | $2,607,000 | 5,112 |
| Salaries and employee benefits | $1,321,000 | 4,755 |
| Premises and equipment expense | $442,000 | 4,416 |
| Additional noninterest expense | $844,000 | 5,823 |
| Pre-tax net operating income | $861,000 | 6,283 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $312,000 | 5,769 |
| Income before extraordinary items | $549,000 | 6,937 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $549,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 6,201 |
| Cash dividends | $777,000 | 1,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $549,000 | 6,575 |
* 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.