Home > Bonham State Bank > Income and Expense
Bonham State Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,825,000 | 5,693 |
| Total interest expense | $1,658,000 | 5,615 |
| Net interest income | $2,167,000 | 5,630 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $530,000 | 4,274 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $400,000 | 2,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $130,000 | 5,342 |
| Total noninterest expense | $2,143,000 | 5,134 |
| Salaries and employee benefits | $1,276,000 | 4,907 |
| Premises and equipment expense | $274,000 | 5,280 |
| Additional noninterest expense | $593,000 | 5,339 |
| Pre-tax net operating income | $554,000 | 5,591 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $54,000 | 4,895 |
| Income before extraordinary items | $499,000 | 5,387 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $499,000 | 5,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,675 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $499,900 | 5,370 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 5,717 |
| Total interest expense | $1,101,000 | 5,629 |
| Net interest income | $1,453,000 | 5,653 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $368,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $274,000 | 2,845 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $94,000 | 5,231 |
| Total noninterest expense | $1,243,000 | 5,618 |
| Salaries and employee benefits | $674,000 | 5,680 |
| Premises and equipment expense | $187,000 | 5,229 |
| Additional noninterest expense | $382,000 | 5,437 |
| Pre-tax net operating income | $578,000 | 4,757 |
| Securities gains (losses) | $-1,000 | 7,616 |
| Applicable income taxes | $107,000 | 4,063 |
| Income before extraordinary items | $470,000 | 4,693 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $470,000 | 4,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,791 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $470,810 | 4,687 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,285,000 | 5,700 |
| Total interest expense | $550,000 | 5,618 |
| Net interest income | $735,000 | 5,636 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $173,000 | 4,313 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $129,000 | 2,922 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $44,000 | 5,347 |
| Total noninterest expense | $617,000 | 5,667 |
| Salaries and employee benefits | $318,000 | 5,881 |
| Premises and equipment expense | $97,000 | 5,145 |
| Additional noninterest expense | $202,000 | 5,226 |
| Pre-tax net operating income | $291,000 | 4,719 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $52,000 | 4,082 |
| Income before extraordinary items | $239,000 | 4,665 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $239,000 | 4,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,284 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $239,000 | 4,650 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,988,000 | 5,566 |
| Total interest expense | $2,030,000 | 5,362 |
| Net interest income | $2,958,000 | 5,567 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $815,000 | 4,005 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $520,000 | 2,976 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $295,000 | 4,332 |
| Total noninterest expense | $2,632,000 | 5,315 |
| Salaries and employee benefits | $1,451,000 | 5,316 |
| Premises and equipment expense | $415,000 | 4,807 |
| Additional noninterest expense | $766,000 | 5,358 |
| Pre-tax net operating income | $1,081,000 | 5,017 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $202,000 | 4,284 |
| Income before extraordinary items | $878,000 | 5,004 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $878,000 | 5,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,380 |
| Cash dividends | $712,000 | 3,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $878,810 | 4,995 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,725,000 | 5,579 |
| Total interest expense | $1,487,000 | 5,363 |
| Net interest income | $2,238,000 | 5,595 |
| Provision for loan and lease losses | $60,000 | 4,851 |
| Total noninterest income | $613,000 | 4,013 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $389,000 | 3,001 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $224,000 | 4,294 |
| Total noninterest expense | $1,949,000 | 5,339 |
| Salaries and employee benefits | $1,050,000 | 5,396 |
| Premises and equipment expense | $316,000 | 4,760 |
| Additional noninterest expense | $583,000 | 5,301 |
| Pre-tax net operating income | $842,000 | 5,131 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $162,000 | 4,393 |
| Income before extraordinary items | $680,000 | 5,066 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $680,000 | 5,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,781 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $680,000 | 5,061 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,474,000 | 5,564 |
| Total interest expense | $957,000 | 5,341 |
| Net interest income | $1,517,000 | 5,555 |
| Provision for loan and lease losses | $50,000 | 4,407 |
| Total noninterest income | $418,000 | 3,951 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $255,000 | 3,027 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $163,000 | 4,143 |
| Total noninterest expense | $1,307,000 | 5,334 |
| Salaries and employee benefits | $716,000 | 5,344 |
| Premises and equipment expense | $204,000 | 4,869 |
| Additional noninterest expense | $387,000 | 5,318 |
| Pre-tax net operating income | $578,000 | 5,087 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $118,000 | 4,330 |
| Income before extraordinary items | $460,000 | 5,081 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $460,000 | 5,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,967 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $460,000 | 5,068 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,239,000 | 5,508 |
| Total interest expense | $466,000 | 5,309 |
| Net interest income | $773,000 | 5,499 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $196,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $125,000 | 2,993 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,406 |
| Total noninterest expense | $609,000 | 5,577 |
| Salaries and employee benefits | $328,000 | 5,660 |
| Premises and equipment expense | $104,000 | 4,836 |
| Additional noninterest expense | $177,000 | 5,560 |
| Pre-tax net operating income | $330,000 | 4,730 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $72,000 | 4,009 |
| Income before extraordinary items | $258,000 | 4,791 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $258,000 | 4,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,032 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $258,000 | 4,771 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,605,000 | 5,417 |
| Total interest expense | $1,475,000 | 5,264 |
| Net interest income | $3,130,000 | 5,377 |
| Provision for loan and lease losses | $101,000 | 4,790 |
| Total noninterest income | $735,000 | 4,249 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $496,000 | 3,072 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $239,000 | 4,819 |
| Total noninterest expense | $2,504,000 | 5,373 |
| Salaries and employee benefits | $1,351,000 | 5,406 |
| Premises and equipment expense | $387,000 | 4,956 |
| Additional noninterest expense | $766,000 | 5,304 |
| Pre-tax net operating income | $1,260,000 | 4,801 |
| Securities gains (losses) | $-15,000 | 7,693 |
| Applicable income taxes | $269,000 | 4,271 |
| Income before extraordinary items | $976,000 | 4,889 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $976,000 | 4,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 2,845 |
| Cash dividends | $712,000 | 3,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $987,700 | 4,835 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,433,000 | 5,398 |
| Total interest expense | $1,074,000 | 5,251 |
| Net interest income | $2,359,000 | 5,366 |
| Provision for loan and lease losses | $71,000 | 4,789 |
| Total noninterest income | $548,000 | 4,288 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $369,000 | 3,080 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $179,000 | 4,847 |
| Total noninterest expense | $1,904,000 | 5,300 |
| Salaries and employee benefits | $1,054,000 | 5,252 |
| Premises and equipment expense | $275,000 | 5,115 |
| Additional noninterest expense | $575,000 | 5,245 |
| Pre-tax net operating income | $932,000 | 4,949 |
| Securities gains (losses) | $-15,000 | 8,058 |
| Applicable income taxes | $192,000 | 4,473 |
| Income before extraordinary items | $725,000 | 4,992 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $725,000 | 4,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,228 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $736,850 | 4,916 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,281,000 | 5,348 |
| Total interest expense | $696,000 | 5,172 |
| Net interest income | $1,585,000 | 5,319 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $350,000 | 4,371 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $231,000 | 3,200 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $119,000 | 4,831 |
| Total noninterest expense | $1,244,000 | 5,352 |
| Salaries and employee benefits | $657,000 | 5,447 |
| Premises and equipment expense | $174,000 | 5,280 |
| Additional noninterest expense | $413,000 | 4,983 |
| Pre-tax net operating income | $646,000 | 4,824 |
| Securities gains (losses) | $-15,000 | 8,274 |
| Applicable income taxes | $139,000 | 4,363 |
| Income before extraordinary items | $492,000 | 4,924 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $492,000 | 4,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,429 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $503,700 | 4,824 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,126,000 | 5,363 |
| Total interest expense | $328,000 | 5,243 |
| Net interest income | $798,000 | 5,331 |
| Provision for loan and lease losses | $19,000 | 4,719 |
| Total noninterest income | $168,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $111,000 | 3,214 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $57,000 | 4,893 |
| Total noninterest expense | $601,000 | 5,514 |
| Salaries and employee benefits | $327,000 | 5,515 |
| Premises and equipment expense | $78,000 | 5,638 |
| Additional noninterest expense | $196,000 | 5,154 |
| Pre-tax net operating income | $346,000 | 4,624 |
| Securities gains (losses) | $-4,000 | 8,340 |
| Applicable income taxes | $80,000 | 4,116 |
| Income before extraordinary items | $262,000 | 4,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $262,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,526 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $265,080 | 4,667 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,504,000 | 5,173 |
| Total interest expense | $1,099,000 | 5,384 |
| Net interest income | $3,405,000 | 4,994 |
| Provision for loan and lease losses | $117,000 | 4,776 |
| Total noninterest income | $618,000 | 4,745 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $514,000 | 3,083 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $104,000 | 6,343 |
| Total noninterest expense | $2,476,000 | 5,350 |
| Salaries and employee benefits | $1,380,000 | 5,225 |
| Premises and equipment expense | $302,000 | 5,661 |
| Additional noninterest expense | $794,000 | 5,112 |
| Pre-tax net operating income | $1,430,000 | 4,368 |
| Securities gains (losses) | $9,000 | 2,866 |
| Applicable income taxes | $347,000 | 3,950 |
| Income before extraordinary items | $1,092,000 | 4,461 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,092,000 | 4,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,563 |
| Cash dividends | $712,000 | 2,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,085,160 | 4,404 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,383,000 | 5,155 |
| Total interest expense | $813,000 | 5,406 |
| Net interest income | $2,570,000 | 4,965 |
| Provision for loan and lease losses | $117,000 | 4,021 |
| Total noninterest income | $502,000 | 4,546 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $391,000 | 3,064 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $111,000 | 5,728 |
| Total noninterest expense | $1,840,000 | 5,339 |
| Salaries and employee benefits | $1,022,000 | 5,248 |
| Premises and equipment expense | $212,000 | 5,809 |
| Additional noninterest expense | $606,000 | 5,015 |
| Pre-tax net operating income | $1,115,000 | 4,354 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $289,000 | 3,851 |
| Income before extraordinary items | $831,000 | 4,511 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $831,000 | 4,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,001 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $827,300 | 4,447 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,268,000 | 5,150 |
| Total interest expense | $539,000 | 5,431 |
| Net interest income | $1,729,000 | 4,930 |
| Provision for loan and lease losses | $87,000 | 3,810 |
| Total noninterest income | $320,000 | 4,656 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $260,000 | 3,045 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $60,000 | 6,128 |
| Total noninterest expense | $1,188,000 | 5,473 |
| Salaries and employee benefits | $666,000 | 5,362 |
| Premises and equipment expense | $132,000 | 6,048 |
| Additional noninterest expense | $390,000 | 5,144 |
| Pre-tax net operating income | $774,000 | 4,201 |
| Securities gains (losses) | $5,000 | 2,738 |
| Applicable income taxes | $203,000 | 3,752 |
| Income before extraordinary items | $576,000 | 4,361 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $576,000 | 4,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 1,577 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $572,300 | 4,287 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,142,000 | 5,145 |
| Total interest expense | $274,000 | 5,449 |
| Net interest income | $868,000 | 4,921 |
| Provision for loan and lease losses | $42,000 | 3,681 |
| Total noninterest income | $173,000 | 4,423 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $137,000 | 2,859 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $36,000 | 5,773 |
| Total noninterest expense | $584,000 | 5,540 |
| Salaries and employee benefits | $326,000 | 5,459 |
| Premises and equipment expense | $65,000 | 6,100 |
| Additional noninterest expense | $193,000 | 5,204 |
| Pre-tax net operating income | $415,000 | 3,990 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $106,000 | 3,688 |
| Income before extraordinary items | $309,000 | 4,187 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $309,000 | 4,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 1,747 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $309,000 | 4,064 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,922,000 | 4,945 |
| Total interest expense | $1,250,000 | 5,433 |
| Net interest income | $3,672,000 | 4,637 |
| Provision for loan and lease losses | $223,000 | 3,822 |
| Total noninterest income | $558,000 | 5,146 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $519,000 | 2,997 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $39,000 | 7,855 |
| Total noninterest expense | $2,568,000 | 5,127 |
| Salaries and employee benefits | $1,466,000 | 4,919 |
| Premises and equipment expense | $276,000 | 5,914 |
| Additional noninterest expense | $826,000 | 4,941 |
| Pre-tax net operating income | $1,439,000 | 4,226 |
| Securities gains (losses) | $57,000 | 2,386 |
| Applicable income taxes | $396,000 | 3,801 |
| Income before extraordinary items | $1,100,000 | 4,383 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,100,000 | 4,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,991 |
| Cash dividends | $714,000 | 2,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,057,820 | 4,313 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 4,937 |
| Total interest expense | $978,000 | 5,452 |
| Net interest income | $2,792,000 | 4,615 |
| Provision for loan and lease losses | $85,000 | 5,045 |
| Total noninterest income | $486,000 | 4,821 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $388,000 | 3,017 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $98,000 | 6,119 |
| Total noninterest expense | $1,899,000 | 5,157 |
| Salaries and employee benefits | $1,090,000 | 4,941 |
| Premises and equipment expense | $201,000 | 5,994 |
| Additional noninterest expense | $608,000 | 4,954 |
| Pre-tax net operating income | $1,294,000 | 3,863 |
| Securities gains (losses) | $57,000 | 2,204 |
| Applicable income taxes | $373,000 | 3,529 |
| Income before extraordinary items | $978,000 | 4,037 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $978,000 | 4,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 2,893 |
| Cash dividends | $2,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $936,960 | 3,984 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 4,915 |
| Total interest expense | $683,000 | 5,423 |
| Net interest income | $1,871,000 | 4,593 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $343,000 | 4,634 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $262,000 | 2,954 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $81,000 | 5,693 |
| Total noninterest expense | $1,241,000 | 5,217 |
| Salaries and employee benefits | $720,000 | 4,964 |
| Premises and equipment expense | $125,000 | 6,160 |
| Additional noninterest expense | $396,000 | 5,039 |
| Pre-tax net operating income | $923,000 | 3,693 |
| Securities gains (losses) | $52,000 | 1,985 |
| Applicable income taxes | $278,000 | 3,369 |
| Income before extraordinary items | $697,000 | 3,879 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $697,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,590 |
| Cash dividends | $2,000 | 5,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $660,080 | 3,854 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,280,000 | 4,933 |
| Total interest expense | $354,000 | 5,419 |
| Net interest income | $926,000 | 4,623 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $157,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $131,000 | 2,877 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $649,000 | 5,070 |
| Salaries and employee benefits | $386,000 | 4,735 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $202,000 | 4,939 |
| Pre-tax net operating income | $414,000 | 3,960 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $116,000 | 3,693 |
| Income before extraordinary items | $298,000 | 4,261 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $298,000 | 4,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,357 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $298,000 | 4,067 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,584,000 | 4,786 |
| Total interest expense | $1,671,000 | 5,380 |
| Net interest income | $3,913,000 | 4,417 |
| Provision for loan and lease losses | $337,000 | 3,207 |
| Total noninterest income | $685,000 | 4,389 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $523,000 | 2,865 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $162,000 | 5,444 |
| Total noninterest expense | $2,517,000 | 5,061 |
| Salaries and employee benefits | $1,407,000 | 4,917 |
| Premises and equipment expense | $273,000 | 5,856 |
| Additional noninterest expense | $837,000 | 4,776 |
| Pre-tax net operating income | $1,744,000 | 3,731 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $468,000 | 3,591 |
| Income before extraordinary items | $1,276,000 | 3,923 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,276,000 | 3,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 3,452 |
| Cash dividends | $712,000 | 2,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,276,000 | 3,825 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,895,000 | 5,024 |
| Total interest expense | $2,551,000 | 5,334 |
| Net interest income | $3,344,000 | 4,702 |
| Provision for loan and lease losses | $212,000 | 3,998 |
| Total noninterest income | $689,000 | 4,232 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $495,000 | 2,858 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $194,000 | 4,999 |
| Total noninterest expense | $2,218,000 | 5,358 |
| Salaries and employee benefits | $1,216,000 | 5,262 |
| Premises and equipment expense | $261,000 | 5,952 |
| Additional noninterest expense | $741,000 | 5,058 |
| Pre-tax net operating income | $1,603,000 | 3,697 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $392,000 | 3,774 |
| Income before extraordinary items | $1,211,000 | 3,780 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,211,000 | 3,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,149 |
| Cash dividends | $641,000 | 3,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,211,000 | 3,664 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,729,000 | 5,246 |
| Total interest expense | $2,853,000 | 5,113 |
| Net interest income | $2,876,000 | 5,307 |
| Provision for loan and lease losses | $157,000 | 4,310 |
| Total noninterest income | $717,000 | 3,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $461,000 | 2,908 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,248 |
| Total noninterest expense | $2,192,000 | 5,343 |
| Salaries and employee benefits | $1,178,000 | 5,296 |
| Premises and equipment expense | $272,000 | 5,750 |
| Additional noninterest expense | $742,000 | 4,977 |
| Pre-tax net operating income | $1,244,000 | 4,632 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $316,000 | 4,482 |
| Income before extraordinary items | $928,000 | 4,595 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $928,000 | 4,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,643 |
| Cash dividends | $533,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $928,000 | 4,592 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,901,000 | 5,651 |
| Total interest expense | $2,115,000 | 5,780 |
| Net interest income | $2,786,000 | 5,445 |
| Provision for loan and lease losses | $8,000 | 8,218 |
| Total noninterest income | $644,000 | 4,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $394,000 | 3,254 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $250,000 | 4,438 |
| Total noninterest expense | $2,032,000 | 5,633 |
| Salaries and employee benefits | $1,109,000 | 5,455 |
| Premises and equipment expense | $294,000 | 5,524 |
| Additional noninterest expense | $629,000 | 5,655 |
| Pre-tax net operating income | $1,390,000 | 4,316 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $374,000 | 4,332 |
| Income before extraordinary items | $1,016,000 | 4,388 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,016,000 | 4,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,262 |
| Cash dividends | $534,000 | 3,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,016,000 | 4,357 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,774,000 | 5,856 |
| Total interest expense | $2,170,000 | 5,890 |
| Net interest income | $2,604,000 | 5,686 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $525,000 | 4,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,312 |
| Total noninterest expense | $1,840,000 | 5,903 |
| Salaries and employee benefits | $1,020,000 | 5,707 |
| Premises and equipment expense | $289,000 | 5,493 |
| Additional noninterest expense | $531,000 | 6,228 |
| Pre-tax net operating income | $1,289,000 | 4,653 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $420,000 | 4,299 |
| Income before extraordinary items | $869,000 | 4,936 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $869,000 | 4,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $445,000 | 3,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $869,000 | 4,856 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,523,000 | 6,209 |
| Total interest expense | $1,925,000 | 6,410 |
| Net interest income | $2,598,000 | 5,896 |
| Provision for loan and lease losses | $35,000 | 7,233 |
| Total noninterest income | $569,000 | 4,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,653 |
| Total noninterest expense | $2,146,000 | 5,387 |
| Salaries and employee benefits | $899,000 | 6,292 |
| Premises and equipment expense | $290,000 | 5,546 |
| Additional noninterest expense | $957,000 | 4,067 |
| Pre-tax net operating income | $986,000 | 5,872 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $56,000 | 9,157 |
| Income before extraordinary items | $930,000 | 4,945 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $930,000 | 4,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,029 |
| Cash dividends | $587,000 | 3,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $930,000 | 4,887 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,288,000 | 6,597 |
| Total interest expense | $1,805,000 | 6,832 |
| Net interest income | $2,483,000 | 6,221 |
| Provision for loan and lease losses | $67,000 | 5,924 |
| Total noninterest income | $388,000 | 6,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 4,286 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,318 |
| Total noninterest expense | $1,804,000 | 6,374 |
| Salaries and employee benefits | $934,000 | 6,296 |
| Premises and equipment expense | $250,000 | 6,254 |
| Additional noninterest expense | $620,000 | 6,229 |
| Pre-tax net operating income | $1,000,000 | 5,740 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $1,000,000 | 4,519 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,000,000 | 4,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,139 |
| Cash dividends | $356,000 | 4,158 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,000,000 | 4,461 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,998,000 | 7,003 |
| Total interest expense | $1,635,000 | 7,317 |
| Net interest income | $2,363,000 | 6,552 |
| Provision for loan and lease losses | $86,000 | 4,934 |
| Total noninterest income | $373,000 | 6,241 |
| 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 | $93,000 | 7,460 |
| Total noninterest expense | $1,769,000 | 6,547 |
| Salaries and employee benefits | $911,000 | 6,509 |
| Premises and equipment expense | $206,000 | 7,074 |
| Additional noninterest expense | $652,000 | 6,182 |
| Pre-tax net operating income | $881,000 | 6,506 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $870,000 | 5,121 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $870,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,966 |
| Cash dividends | $178,000 | 5,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $881,000 | 5,061 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,602,000 | 7,185 |
| Total interest expense | $1,286,000 | 7,597 |
| Net interest income | $2,316,000 | 6,834 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $405,000 | 6,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 4,281 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,572 |
| Total noninterest expense | $2,024,000 | 6,133 |
| Salaries and employee benefits | $744,000 | 7,565 |
| Premises and equipment expense | $173,000 | 8,008 |
| Additional noninterest expense | $1,107,000 | 4,339 |
| Pre-tax net operating income | $697,000 | 7,399 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-50,000 | 12,214 |
| Income before extraordinary items | $747,000 | 5,626 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $747,000 | 5,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $747,000 | 5,697 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,693,000 | 7,275 |
| Total interest expense | $1,391,000 | 7,576 |
| Net interest income | $2,302,000 | 6,928 |
| Provision for loan and lease losses | $18,000 | 9,198 |
| Total noninterest income | $563,000 | 5,174 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 5,394 |
| Total noninterest expense | $2,070,000 | 6,151 |
| Salaries and employee benefits | $721,000 | 7,859 |
| Premises and equipment expense | $153,000 | 8,816 |
| Additional noninterest expense | $1,196,000 | 4,200 |
| Pre-tax net operating income | $777,000 | 6,939 |
| Securities gains (losses) | $-4,000 | 12,523 |
| Applicable income taxes | $-250,000 | 13,063 |
| Income before extraordinary items | $1,023,000 | 4,612 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,023,000 | 4,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 1,800 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,027,000 | 4,358 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,228,000 | 7,202 |
| Total interest expense | $2,035,000 | 7,044 |
| Net interest income | $2,193,000 | 7,264 |
| Provision for loan and lease losses | $-140,000 | 13,752 |
| Total noninterest income | $782,000 | 4,037 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $402,000 | 3,698 |
| Total noninterest expense | $3,379,000 | 4,062 |
| Salaries and employee benefits | $728,000 | 7,786 |
| Premises and equipment expense | $165,000 | 8,699 |
| Additional noninterest expense | $2,486,000 | 2,336 |
| Pre-tax net operating income | $-264,000 | 13,147 |
| Securities gains (losses) | $189,000 | 2,085 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-75,000 | 13,028 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-75,000 | 13,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 7,390 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,747,000 | 331 |
| Net operating income | $-264,000 | 13,111 |
* 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.