Home > Bow Mills Bank and Trust > Income and Expense
Bow Mills Bank and Trust, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,959,000 | 4,453 |
| Total interest expense | $666,000 | 5,113 |
| Net interest income | $1,293,000 | 3,922 |
| Provision for loan and lease losses | $193,000 | 1,202 |
| Total noninterest income | $315,000 | 3,018 |
| Gross Fiduciary activities income | $109,000 | 639 |
| Service charges on deposit accounts | $108,000 | 3,287 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $98,000 | 3,797 |
| Total noninterest expense | $1,575,000 | 2,859 |
| Salaries and employee benefits | $855,000 | 2,902 |
| Premises and equipment expense | $254,000 | 2,556 |
| Additional noninterest expense | $466,000 | 2,763 |
| Pre-tax net operating income | $-160,000 | 8,244 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-81,000 | 8,487 |
| Income before extraordinary items | $-79,000 | 8,129 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-79,000 | 8,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,372 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 742 |
| Net operating income | $-79,000 | 8,116 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,308,000 | 4,448 |
| Total interest expense | $2,261,000 | 5,079 |
| Net interest income | $5,047,000 | 3,978 |
| Provision for loan and lease losses | $258,000 | 3,043 |
| Total noninterest income | $1,643,000 | 2,540 |
| Gross Fiduciary activities income | $411,000 | 625 |
| Service charges on deposit accounts | $459,000 | 3,255 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $773,000 | 2,628 |
| Total noninterest expense | $5,981,000 | 2,877 |
| Salaries and employee benefits | $3,335,000 | 2,850 |
| Premises and equipment expense | $986,000 | 2,505 |
| Additional noninterest expense | $1,660,000 | 3,027 |
| Pre-tax net operating income | $451,000 | 6,640 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $84,000 | 5,109 |
| Income before extraordinary items | $367,000 | 6,645 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $367,000 | 6,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 1,665 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $162,000 | 801 |
| Net operating income | $367,000 | 6,646 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,380,000 | 4,485 |
| Total interest expense | $1,639,000 | 5,103 |
| Net interest income | $3,741,000 | 4,041 |
| Provision for loan and lease losses | $124,000 | 3,788 |
| Total noninterest income | $1,305,000 | 2,466 |
| Gross Fiduciary activities income | $304,000 | 630 |
| Service charges on deposit accounts | $341,000 | 3,282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $660,000 | 2,414 |
| Total noninterest expense | $4,149,000 | 3,080 |
| Salaries and employee benefits | $2,458,000 | 2,892 |
| Premises and equipment expense | $735,000 | 2,529 |
| Additional noninterest expense | $956,000 | 3,745 |
| Pre-tax net operating income | $773,000 | 5,297 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $165,000 | 4,374 |
| Income before extraordinary items | $608,000 | 5,330 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $608,000 | 5,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,540 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 894 |
| Net operating income | $608,000 | 5,325 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,474,000 | 4,535 |
| Total interest expense | $1,035,000 | 5,137 |
| Net interest income | $2,439,000 | 4,109 |
| Provision for loan and lease losses | $55,000 | 4,340 |
| Total noninterest income | $973,000 | 2,267 |
| Gross Fiduciary activities income | $203,000 | 634 |
| Service charges on deposit accounts | $232,000 | 3,213 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $538,000 | 2,121 |
| Total noninterest expense | $2,735,000 | 3,108 |
| Salaries and employee benefits | $1,601,000 | 2,949 |
| Premises and equipment expense | $490,000 | 2,518 |
| Additional noninterest expense | $644,000 | 3,703 |
| Pre-tax net operating income | $622,000 | 4,907 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $151,000 | 3,997 |
| Income before extraordinary items | $471,000 | 5,033 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $471,000 | 5,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $471,000 | 5,019 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,682,000 | 4,579 |
| Total interest expense | $483,000 | 5,216 |
| Net interest income | $1,199,000 | 4,158 |
| Provision for loan and lease losses | $33,000 | 3,748 |
| Total noninterest income | $355,000 | 2,754 |
| Gross Fiduciary activities income | $101,000 | 643 |
| Service charges on deposit accounts | $113,000 | 3,198 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $141,000 | 3,087 |
| Total noninterest expense | $1,344,000 | 3,170 |
| Salaries and employee benefits | $801,000 | 2,965 |
| Premises and equipment expense | $238,000 | 2,577 |
| Additional noninterest expense | $305,000 | 3,840 |
| Pre-tax net operating income | $177,000 | 6,086 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $52,000 | 4,445 |
| Income before extraordinary items | $125,000 | 6,339 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $125,000 | 6,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $125,000 | 6,332 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,068,000 | 4,571 |
| Total interest expense | $1,175,000 | 5,862 |
| Net interest income | $4,893,000 | 4,015 |
| Provision for loan and lease losses | $84,000 | 5,073 |
| Total noninterest income | $1,519,000 | 2,663 |
| Gross Fiduciary activities income | $365,000 | 650 |
| Service charges on deposit accounts | $442,000 | 3,324 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $712,000 | 2,732 |
| Total noninterest expense | $5,169,000 | 3,147 |
| Salaries and employee benefits | $2,932,000 | 3,028 |
| Premises and equipment expense | $983,000 | 2,404 |
| Additional noninterest expense | $1,254,000 | 3,730 |
| Pre-tax net operating income | $1,159,000 | 4,981 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $382,000 | 3,777 |
| Income before extraordinary items | $777,000 | 5,406 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $777,000 | 5,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 758 |
| Net operating income | $777,000 | 5,387 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,446,000 | 4,595 |
| Total interest expense | $829,000 | 5,921 |
| Net interest income | $3,617,000 | 4,058 |
| Provision for loan and lease losses | $84,000 | 4,550 |
| Total noninterest income | $1,109,000 | 2,717 |
| Gross Fiduciary activities income | $269,000 | 649 |
| Service charges on deposit accounts | $331,000 | 3,334 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $509,000 | 2,852 |
| Total noninterest expense | $3,906,000 | 3,090 |
| Salaries and employee benefits | $2,223,000 | 2,964 |
| Premises and equipment expense | $735,000 | 2,398 |
| Additional noninterest expense | $948,000 | 3,655 |
| Pre-tax net operating income | $736,000 | 5,539 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $236,000 | 4,169 |
| Income before extraordinary items | $500,000 | 5,898 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $500,000 | 5,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 627 |
| Net operating income | $500,000 | 5,859 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,910,000 | 4,593 |
| Total interest expense | $530,000 | 5,886 |
| Net interest income | $2,380,000 | 4,082 |
| Provision for loan and lease losses | $69,000 | 3,974 |
| Total noninterest income | $711,000 | 2,738 |
| Gross Fiduciary activities income | $180,000 | 655 |
| Service charges on deposit accounts | $211,000 | 3,380 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $320,000 | 2,949 |
| Total noninterest expense | $2,574,000 | 3,111 |
| Salaries and employee benefits | $1,455,000 | 3,004 |
| Premises and equipment expense | $492,000 | 2,361 |
| Additional noninterest expense | $627,000 | 3,667 |
| Pre-tax net operating income | $448,000 | 5,712 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $144,000 | 4,311 |
| Income before extraordinary items | $304,000 | 6,095 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $304,000 | 6,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 491 |
| Net operating income | $304,000 | 6,046 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,426,000 | 4,632 |
| Total interest expense | $255,000 | 5,910 |
| Net interest income | $1,171,000 | 4,142 |
| Provision for loan and lease losses | $41,000 | 3,575 |
| Total noninterest income | $340,000 | 2,781 |
| Gross Fiduciary activities income | $88,000 | 670 |
| Service charges on deposit accounts | $104,000 | 3,348 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $148,000 | 3,002 |
| Total noninterest expense | $1,284,000 | 3,130 |
| Salaries and employee benefits | $760,000 | 2,896 |
| Premises and equipment expense | $245,000 | 2,393 |
| Additional noninterest expense | $279,000 | 4,023 |
| Pre-tax net operating income | $186,000 | 6,112 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $58,000 | 4,584 |
| Income before extraordinary items | $128,000 | 6,434 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $128,000 | 6,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $128,000 | 6,391 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,513,000 | 4,531 |
| Total interest expense | $1,067,000 | 5,476 |
| Net interest income | $4,446,000 | 4,154 |
| Provision for loan and lease losses | $66,000 | 5,556 |
| Total noninterest income | $1,388,000 | 2,828 |
| Gross Fiduciary activities income | $286,000 | 701 |
| Service charges on deposit accounts | $442,000 | 3,423 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $660,000 | 2,818 |
| Total noninterest expense | $4,918,000 | 3,168 |
| Salaries and employee benefits | $2,866,000 | 2,956 |
| Premises and equipment expense | $931,000 | 2,448 |
| Additional noninterest expense | $1,121,000 | 3,965 |
| Pre-tax net operating income | $850,000 | 5,648 |
| Securities gains (losses) | $69,000 | 1,499 |
| Applicable income taxes | $248,000 | 4,463 |
| Income before extraordinary items | $671,000 | 5,692 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $671,000 | 5,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,177 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 712 |
| Net operating income | $620,630 | 5,802 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,081,000 | 4,550 |
| Total interest expense | $816,000 | 5,398 |
| Net interest income | $3,265,000 | 4,207 |
| Provision for loan and lease losses | $54,000 | 5,285 |
| Total noninterest income | $1,033,000 | 2,857 |
| Gross Fiduciary activities income | $211,000 | 710 |
| Service charges on deposit accounts | $299,000 | 3,683 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $523,000 | 2,721 |
| Total noninterest expense | $3,723,000 | 3,110 |
| Salaries and employee benefits | $2,207,000 | 2,866 |
| Premises and equipment expense | $701,000 | 2,417 |
| Additional noninterest expense | $815,000 | 4,035 |
| Pre-tax net operating income | $521,000 | 6,233 |
| Securities gains (losses) | $71,000 | 1,409 |
| Applicable income taxes | $137,000 | 4,960 |
| Income before extraordinary items | $455,000 | 6,030 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $455,000 | 6,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,953 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 612 |
| Net operating income | $400,330 | 6,246 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 4,593 |
| Total interest expense | $539,000 | 5,431 |
| Net interest income | $2,143,000 | 4,268 |
| Provision for loan and lease losses | $42,000 | 4,959 |
| Total noninterest income | $677,000 | 2,903 |
| Gross Fiduciary activities income | $138,000 | 717 |
| Service charges on deposit accounts | $190,000 | 3,774 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $349,000 | 2,739 |
| Total noninterest expense | $2,504,000 | 3,088 |
| Salaries and employee benefits | $1,476,000 | 2,873 |
| Premises and equipment expense | $466,000 | 2,423 |
| Additional noninterest expense | $562,000 | 3,942 |
| Pre-tax net operating income | $274,000 | 6,668 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $33,000 | 5,966 |
| Income before extraordinary items | $241,000 | 6,528 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $241,000 | 6,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 503 |
| Net operating income | $241,000 | 6,442 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,348,000 | 4,599 |
| Total interest expense | $263,000 | 5,584 |
| Net interest income | $1,085,000 | 4,219 |
| Provision for loan and lease losses | $24,000 | 4,604 |
| Total noninterest income | $278,000 | 3,279 |
| Gross Fiduciary activities income | $66,000 | 741 |
| Service charges on deposit accounts | $88,000 | 3,887 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $124,000 | 3,282 |
| Total noninterest expense | $1,252,000 | 3,092 |
| Salaries and employee benefits | $722,000 | 2,939 |
| Premises and equipment expense | $282,000 | 2,055 |
| Additional noninterest expense | $248,000 | 4,344 |
| Pre-tax net operating income | $87,000 | 7,358 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-9,000 | 8,853 |
| Income before extraordinary items | $96,000 | 6,961 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $96,000 | 6,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 363 |
| Net operating income | $96,000 | 6,855 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,443,000 | 4,601 |
| Total interest expense | $1,180,000 | 5,612 |
| Net interest income | $4,263,000 | 4,164 |
| Provision for loan and lease losses | $110,000 | 5,170 |
| Total noninterest income | $1,356,000 | 3,043 |
| Gross Fiduciary activities income | $335,000 | 671 |
| Service charges on deposit accounts | $352,000 | 3,931 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $669,000 | 3,053 |
| Total noninterest expense | $4,502,000 | 3,343 |
| Salaries and employee benefits | $2,619,000 | 3,142 |
| Premises and equipment expense | $905,000 | 2,472 |
| Additional noninterest expense | $978,000 | 4,358 |
| Pre-tax net operating income | $1,007,000 | 5,160 |
| Securities gains (losses) | $28,000 | 2,979 |
| Applicable income taxes | $310,000 | 4,236 |
| Income before extraordinary items | $725,000 | 5,490 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $725,000 | 5,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,972 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 772 |
| Net operating income | $705,400 | 5,403 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,102,000 | 4,642 |
| Total interest expense | $914,000 | 5,663 |
| Net interest income | $3,188,000 | 4,200 |
| Provision for loan and lease losses | $110,000 | 4,499 |
| Total noninterest income | $1,062,000 | 3,010 |
| Gross Fiduciary activities income | $252,000 | 681 |
| Service charges on deposit accounts | $263,000 | 3,956 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $547,000 | 2,968 |
| Total noninterest expense | $3,250,000 | 3,455 |
| Salaries and employee benefits | $1,931,000 | 3,195 |
| Premises and equipment expense | $636,000 | 2,625 |
| Additional noninterest expense | $683,000 | 4,546 |
| Pre-tax net operating income | $890,000 | 4,859 |
| Securities gains (losses) | $28,000 | 2,745 |
| Applicable income taxes | $293,000 | 3,958 |
| Income before extraordinary items | $625,000 | 5,295 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $625,000 | 5,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-65,000 | 9,013 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $605,960 | 5,188 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,780,000 | 4,631 |
| Total interest expense | $638,000 | 5,638 |
| Net interest income | $2,142,000 | 4,183 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $622,000 | 3,262 |
| Gross Fiduciary activities income | $146,000 | 715 |
| Service charges on deposit accounts | $178,000 | 3,893 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $298,000 | 3,307 |
| Total noninterest expense | $2,097,000 | 3,545 |
| Salaries and employee benefits | $1,264,000 | 3,247 |
| Premises and equipment expense | $404,000 | 2,736 |
| Additional noninterest expense | $429,000 | 4,760 |
| Pre-tax net operating income | $577,000 | 4,940 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $179,000 | 4,187 |
| Income before extraordinary items | $398,000 | 5,415 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $398,000 | 5,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,538 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $398,000 | 5,211 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 4,611 |
| Total interest expense | $331,000 | 5,627 |
| Net interest income | $1,074,000 | 4,178 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $275,000 | 3,450 |
| Gross Fiduciary activities income | $60,000 | 773 |
| Service charges on deposit accounts | $87,000 | 3,880 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $128,000 | 3,494 |
| Total noninterest expense | $1,006,000 | 3,641 |
| Salaries and employee benefits | $596,000 | 3,389 |
| Premises and equipment expense | $206,000 | 2,704 |
| Additional noninterest expense | $204,000 | 4,894 |
| Pre-tax net operating income | $298,000 | 4,806 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $93,000 | 4,071 |
| Income before extraordinary items | $205,000 | 5,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $205,000 | 5,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $205,000 | 5,079 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,611,000 | 4,767 |
| Total interest expense | $1,494,000 | 5,728 |
| Net interest income | $4,117,000 | 4,257 |
| Provision for loan and lease losses | $90,000 | 5,880 |
| Total noninterest income | $1,181,000 | 3,108 |
| Gross Fiduciary activities income | $318,000 | 697 |
| Service charges on deposit accounts | $322,000 | 4,073 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $541,000 | 3,144 |
| Total noninterest expense | $3,713,000 | 3,768 |
| Salaries and employee benefits | $2,259,000 | 3,385 |
| Premises and equipment expense | $725,000 | 2,912 |
| Additional noninterest expense | $729,000 | 5,273 |
| Pre-tax net operating income | $1,495,000 | 4,129 |
| Securities gains (losses) | $41,000 | 2,579 |
| Applicable income taxes | $515,000 | 3,385 |
| Income before extraordinary items | $1,021,000 | 4,532 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,021,000 | 4,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,640 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 660 |
| Net operating income | $993,940 | 4,495 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,812,000 | 5,078 |
| Total interest expense | $2,000,000 | 6,099 |
| Net interest income | $3,812,000 | 4,273 |
| Provision for loan and lease losses | $75,000 | 6,076 |
| Total noninterest income | $934,000 | 3,496 |
| Gross Fiduciary activities income | $202,000 | 837 |
| Service charges on deposit accounts | $294,000 | 4,205 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $438,000 | 3,367 |
| Total noninterest expense | $3,411,000 | 3,909 |
| Salaries and employee benefits | $2,067,000 | 3,503 |
| Premises and equipment expense | $671,000 | 3,060 |
| Additional noninterest expense | $673,000 | 5,423 |
| Pre-tax net operating income | $1,260,000 | 4,318 |
| Securities gains (losses) | $71,000 | 2,041 |
| Applicable income taxes | $482,000 | 3,387 |
| Income before extraordinary items | $849,000 | 4,727 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $849,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,402 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $803,560 | 4,751 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,571,000 | 5,341 |
| Total interest expense | $2,078,000 | 6,157 |
| Net interest income | $3,493,000 | 4,614 |
| Provision for loan and lease losses | $135,000 | 4,606 |
| Total noninterest income | $701,000 | 3,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 4,735 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $470,000 | 3,051 |
| Total noninterest expense | $2,883,000 | 4,362 |
| Salaries and employee benefits | $1,680,000 | 3,985 |
| Premises and equipment expense | $585,000 | 3,343 |
| Additional noninterest expense | $618,000 | 5,668 |
| Pre-tax net operating income | $1,176,000 | 4,778 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $429,000 | 3,842 |
| Income before extraordinary items | $745,000 | 5,248 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $745,000 | 5,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,142 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $746,280 | 5,241 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,730,000 | 5,762 |
| Total interest expense | $1,704,000 | 6,540 |
| Net interest income | $3,026,000 | 5,132 |
| Provision for loan and lease losses | $98,000 | 5,306 |
| Total noninterest income | $508,000 | 4,908 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 5,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $329,000 | 3,807 |
| Total noninterest expense | $2,393,000 | 5,030 |
| Salaries and employee benefits | $1,410,000 | 4,561 |
| Premises and equipment expense | $473,000 | 3,968 |
| Additional noninterest expense | $510,000 | 6,438 |
| Pre-tax net operating income | $1,043,000 | 5,181 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $348,000 | 4,490 |
| Income before extraordinary items | $695,000 | 5,480 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $695,000 | 5,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,348 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 992 |
| Net operating income | $695,000 | 5,442 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,204,000 | 6,300 |
| Total interest expense | $1,641,000 | 6,895 |
| Net interest income | $2,563,000 | 5,744 |
| Provision for loan and lease losses | $82,000 | 5,540 |
| Total noninterest income | $322,000 | 6,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 5,014 |
| Total noninterest expense | $2,089,000 | 5,431 |
| Salaries and employee benefits | $1,169,000 | 5,175 |
| Premises and equipment expense | $176,000 | 7,131 |
| Additional noninterest expense | $744,000 | 4,925 |
| Pre-tax net operating income | $714,000 | 6,430 |
| Securities gains (losses) | $24,000 | 2,292 |
| Applicable income taxes | $231,000 | 5,821 |
| Income before extraordinary items | $507,000 | 6,570 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $507,000 | 6,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 10,018 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $490,440 | 6,548 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,632,000 | 7,025 |
| Total interest expense | $1,429,000 | 7,523 |
| Net interest income | $2,203,000 | 6,523 |
| Provision for loan and lease losses | $88,000 | 5,481 |
| Total noninterest income | $250,000 | 7,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,821 |
| Total noninterest expense | $1,826,000 | 6,020 |
| Salaries and employee benefits | $937,000 | 6,121 |
| Premises and equipment expense | $171,000 | 7,366 |
| Additional noninterest expense | $718,000 | 5,118 |
| Pre-tax net operating income | $539,000 | 7,717 |
| Securities gains (losses) | $-17,000 | 10,300 |
| Applicable income taxes | $47,000 | 9,297 |
| Income before extraordinary items | $475,000 | 7,134 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $475,000 | 7,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 10,459 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $490,470 | 6,982 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,239,000 | 7,683 |
| Total interest expense | $1,339,000 | 7,985 |
| Net interest income | $1,900,000 | 7,352 |
| Provision for loan and lease losses | $76,000 | 5,685 |
| Total noninterest income | $217,000 | 7,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,256 |
| Total noninterest expense | $1,821,000 | 6,336 |
| Salaries and employee benefits | $919,000 | 6,374 |
| Premises and equipment expense | $178,000 | 7,473 |
| Additional noninterest expense | $724,000 | 5,606 |
| Pre-tax net operating income | $220,000 | 9,660 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-108,000 | 11,178 |
| Income before extraordinary items | $328,000 | 8,185 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $328,000 | 8,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $328,000 | 8,124 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,743,000 | 8,573 |
| Total interest expense | $1,038,000 | 9,131 |
| Net interest income | $1,705,000 | 8,002 |
| Provision for loan and lease losses | $112,000 | 4,360 |
| Total noninterest income | $252,000 | 7,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,088 |
| Total noninterest expense | $1,595,000 | 6,995 |
| Salaries and employee benefits | $720,000 | 7,590 |
| Premises and equipment expense | $165,000 | 7,915 |
| Additional noninterest expense | $710,000 | 5,779 |
| Pre-tax net operating income | $250,000 | 10,114 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $-100,000 | 11,712 |
| Income before extraordinary items | $345,000 | 8,526 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $345,000 | 8,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,724 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 686 |
| Net operating income | $350,000 | 8,460 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,049,000 | 9,714 |
| Total interest expense | $666,000 | 10,278 |
| Net interest income | $1,383,000 | 9,209 |
| Provision for loan and lease losses | $69,000 | 5,368 |
| Total noninterest income | $234,000 | 8,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 8,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,416 |
| Total noninterest expense | $1,382,000 | 7,969 |
| Salaries and employee benefits | $571,000 | 8,816 |
| Premises and equipment expense | $145,000 | 8,686 |
| Additional noninterest expense | $666,000 | 6,568 |
| Pre-tax net operating income | $166,000 | 11,154 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-35,000 | 12,170 |
| Income before extraordinary items | $201,000 | 10,263 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $201,000 | 10,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,468 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,137 |
| Net operating income | $201,000 | 10,319 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,928,000 | 10,322 |
| Total interest expense | $680,000 | 10,711 |
| Net interest income | $1,248,000 | 9,910 |
| Provision for loan and lease losses | $296,000 | 3,066 |
| Total noninterest income | $98,000 | 11,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 9,074 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $1,208,000 | 8,865 |
| Salaries and employee benefits | $450,000 | 10,148 |
| Premises and equipment expense | $124,000 | 9,663 |
| Additional noninterest expense | $634,000 | 7,047 |
| Pre-tax net operating income | $-158,000 | 12,654 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-158,000 | 12,715 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-158,000 | 12,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 1,831 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $480,000 | 611 |
| Net operating income | $-158,000 | 12,631 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,437,000 | 10,024 |
| Total interest expense | $988,000 | 10,445 |
| Net interest income | $1,449,000 | 9,456 |
| Provision for loan and lease losses | $507,000 | 2,965 |
| Total noninterest income | $86,000 | 12,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,841 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $1,617,000 | 7,515 |
| Salaries and employee benefits | $480,000 | 9,977 |
| Premises and equipment expense | $115,000 | 10,217 |
| Additional noninterest expense | $1,022,000 | 4,973 |
| Pre-tax net operating income | $-589,000 | 13,340 |
| Securities gains (losses) | $55,000 | 3,959 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-534,000 | 13,395 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-534,000 | 13,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $467,000 | 2,570 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-589,000 | 13,314 |
* 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.