Home > Bridgewater Co-operative Bank > Income and Expense
Bridgewater Co-operative Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $514,000 | 8,376 |
| Total interest expense | $113,000 | 8,387 |
| Net interest income | $401,000 | 8,307 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $37,000 | 8,085 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $6,000 | 7,365 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $31,000 | 7,315 |
| Total noninterest expense | $439,000 | 8,225 |
| Salaries and employee benefits | $212,000 | 8,296 |
| Premises and equipment expense | $59,000 | 7,955 |
| Additional noninterest expense | $168,000 | 7,897 |
| Pre-tax net operating income | $-1,000 | 7,651 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,000 | 6,113 |
| Income before extraordinary items | $-2,000 | 7,685 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-2,000 | 7,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-2,000 | 7,661 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $346,000 | 8,447 |
| Total interest expense | $75,000 | 8,450 |
| Net interest income | $271,000 | 8,367 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $25,000 | 8,136 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $4,000 | 7,405 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $21,000 | 7,329 |
| Total noninterest expense | $264,000 | 8,349 |
| Salaries and employee benefits | $120,000 | 8,424 |
| Premises and equipment expense | $42,000 | 7,950 |
| Additional noninterest expense | $102,000 | 8,037 |
| Pre-tax net operating income | $32,000 | 7,626 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,000 | 6,009 |
| Income before extraordinary items | $29,000 | 7,629 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $29,000 | 7,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $29,000 | 7,614 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $177,000 | 8,497 |
| Total interest expense | $37,000 | 8,498 |
| Net interest income | $140,000 | 8,411 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $7,000 | 8,340 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $2,000 | 7,430 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $5,000 | 7,889 |
| Total noninterest expense | $127,000 | 8,403 |
| Salaries and employee benefits | $53,000 | 8,522 |
| Premises and equipment expense | $21,000 | 7,981 |
| Additional noninterest expense | $53,000 | 8,024 |
| Pre-tax net operating income | $20,000 | 7,649 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $20,000 | 7,622 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $20,000 | 7,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $20,000 | 7,604 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $734,000 | 8,430 |
| Total interest expense | $151,000 | 8,481 |
| Net interest income | $583,000 | 8,338 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $27,000 | 8,365 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $6,000 | 7,490 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $21,000 | 7,943 |
| Total noninterest expense | $502,000 | 8,439 |
| Salaries and employee benefits | $259,000 | 8,460 |
| Premises and equipment expense | $65,000 | 8,196 |
| Additional noninterest expense | $178,000 | 8,228 |
| Pre-tax net operating income | $108,000 | 7,682 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $31,000 | 5,744 |
| Income before extraordinary items | $77,000 | 7,758 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $77,000 | 7,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $77,000 | 7,749 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $564,000 | 8,486 |
| Total interest expense | $115,000 | 8,528 |
| Net interest income | $449,000 | 8,403 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $21,000 | 8,448 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $4,000 | 7,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,000 | 7,944 |
| Total noninterest expense | $371,000 | 8,482 |
| Salaries and employee benefits | $184,000 | 8,526 |
| Premises and equipment expense | $49,000 | 8,232 |
| Additional noninterest expense | $138,000 | 8,230 |
| Pre-tax net operating income | $99,000 | 7,813 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $31,000 | 5,736 |
| Income before extraordinary items | $68,000 | 7,877 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $68,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $68,000 | 7,871 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $384,000 | 8,538 |
| Total interest expense | $79,000 | 8,561 |
| Net interest income | $305,000 | 8,447 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $13,000 | 8,511 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,084 |
| Total noninterest expense | $252,000 | 8,510 |
| Salaries and employee benefits | $121,000 | 8,577 |
| Premises and equipment expense | $39,000 | 8,105 |
| Additional noninterest expense | $92,000 | 8,245 |
| Pre-tax net operating income | $66,000 | 7,871 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $17,000 | 5,888 |
| Income before extraordinary items | $49,000 | 7,912 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $49,000 | 7,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $49,000 | 7,919 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $205,000 | 8,524 |
| Total interest expense | $42,000 | 8,568 |
| Net interest income | $163,000 | 8,416 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $9,000 | 8,456 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,000 | 7,643 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,731 |
| Total noninterest expense | $131,000 | 8,503 |
| Salaries and employee benefits | $59,000 | 8,598 |
| Premises and equipment expense | $18,000 | 8,165 |
| Additional noninterest expense | $54,000 | 8,079 |
| Pre-tax net operating income | $41,000 | 7,804 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $11,000 | 5,709 |
| Income before extraordinary items | $30,000 | 7,837 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $30,000 | 7,837 |
| 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 | $30,000 | 7,833 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $731,000 | 8,517 |
| Total interest expense | $184,000 | 8,479 |
| Net interest income | $547,000 | 8,491 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $34,000 | 8,520 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $5,000 | 7,664 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $29,000 | 7,878 |
| Total noninterest expense | $456,000 | 8,619 |
| Salaries and employee benefits | $252,000 | 8,598 |
| Premises and equipment expense | $60,000 | 8,343 |
| Additional noninterest expense | $144,000 | 8,519 |
| Pre-tax net operating income | $125,000 | 7,915 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $32,000 | 6,114 |
| Income before extraordinary items | $93,000 | 8,000 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $93,000 | 7,999 |
| 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 | $0 | 934 |
| Net operating income | $93,000 | 7,972 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $524,000 | 8,570 |
| Total interest expense | $138,000 | 8,495 |
| Net interest income | $386,000 | 8,574 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $29,000 | 8,547 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,706 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,813 |
| Total noninterest expense | $326,000 | 8,637 |
| Salaries and employee benefits | $181,000 | 8,620 |
| Premises and equipment expense | $42,000 | 8,401 |
| Additional noninterest expense | $103,000 | 8,562 |
| Pre-tax net operating income | $89,000 | 8,063 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $18,000 | 6,335 |
| Income before extraordinary items | $71,000 | 8,098 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $71,000 | 8,097 |
| 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 | $0 | 769 |
| Net operating income | $71,000 | 8,066 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $342,000 | 8,592 |
| Total interest expense | $90,000 | 8,505 |
| Net interest income | $252,000 | 8,590 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $20,000 | 8,542 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,000 | 7,732 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $18,000 | 7,744 |
| Total noninterest expense | $214,000 | 8,654 |
| Salaries and employee benefits | $119,000 | 8,644 |
| Premises and equipment expense | $29,000 | 8,382 |
| Additional noninterest expense | $66,000 | 8,577 |
| Pre-tax net operating income | $58,000 | 8,088 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $10,000 | 6,414 |
| Income before extraordinary items | $48,000 | 8,121 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $48,000 | 8,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $48,000 | 8,083 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $168,000 | 8,679 |
| Total interest expense | $46,000 | 8,538 |
| Net interest income | $122,000 | 8,684 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $13,000 | 8,505 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,000 | 7,789 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $106,000 | 8,714 |
| Salaries and employee benefits | $56,000 | 8,727 |
| Premises and equipment expense | $14,000 | 8,464 |
| Additional noninterest expense | $36,000 | 8,569 |
| Pre-tax net operating income | $29,000 | 8,153 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,000 | 6,630 |
| Income before extraordinary items | $27,000 | 8,139 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $27,000 | 8,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $27,000 | 8,113 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $648,000 | 8,669 |
| Total interest expense | $192,000 | 8,492 |
| Net interest income | $456,000 | 8,685 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $35,000 | 8,680 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $6,000 | 7,821 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $29,000 | 7,990 |
| Total noninterest expense | $419,000 | 8,772 |
| Salaries and employee benefits | $240,000 | 8,748 |
| Premises and equipment expense | $50,000 | 8,603 |
| Additional noninterest expense | $129,000 | 8,693 |
| Pre-tax net operating income | $72,000 | 8,189 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $22,000 | 6,508 |
| Income before extraordinary items | $50,000 | 8,284 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $50,000 | 8,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $50,000 | 8,241 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $478,000 | 8,729 |
| Total interest expense | $143,000 | 8,546 |
| Net interest income | $335,000 | 8,751 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $26,000 | 8,739 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $5,000 | 7,853 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 8,029 |
| Total noninterest expense | $306,000 | 8,813 |
| Salaries and employee benefits | $172,000 | 8,794 |
| Premises and equipment expense | $40,000 | 8,582 |
| Additional noninterest expense | $94,000 | 8,739 |
| Pre-tax net operating income | $55,000 | 8,288 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $17,000 | 6,595 |
| Income before extraordinary items | $38,000 | 8,360 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $38,000 | 8,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $38,000 | 8,317 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $318,000 | 8,790 |
| Total interest expense | $95,000 | 8,607 |
| Net interest income | $223,000 | 8,808 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $17,000 | 8,802 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $3,000 | 7,913 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,000 | 8,074 |
| Total noninterest expense | $206,000 | 8,864 |
| Salaries and employee benefits | $115,000 | 8,850 |
| Premises and equipment expense | $25,000 | 8,656 |
| Additional noninterest expense | $66,000 | 8,757 |
| Pre-tax net operating income | $34,000 | 8,328 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $12,000 | 6,573 |
| Income before extraordinary items | $22,000 | 8,444 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $22,000 | 8,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $22,000 | 8,381 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $157,000 | 8,840 |
| Total interest expense | $48,000 | 8,649 |
| Net interest income | $109,000 | 8,854 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $7,000 | 8,881 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,000 | 7,896 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $100,000 | 8,905 |
| Salaries and employee benefits | $53,000 | 8,927 |
| Premises and equipment expense | $12,000 | 8,685 |
| Additional noninterest expense | $35,000 | 8,744 |
| Pre-tax net operating income | $16,000 | 8,360 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $5,000 | 6,601 |
| Income before extraordinary items | $11,000 | 8,454 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $11,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $11,000 | 8,391 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $684,000 | 8,831 |
| Total interest expense | $277,000 | 8,533 |
| Net interest income | $407,000 | 8,893 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $91,000 | 8,401 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $6,000 | 7,980 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $85,000 | 6,798 |
| Total noninterest expense | $414,000 | 8,959 |
| Salaries and employee benefits | $230,000 | 8,941 |
| Premises and equipment expense | $46,000 | 8,828 |
| Additional noninterest expense | $138,000 | 8,819 |
| Pre-tax net operating income | $84,000 | 8,262 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $25,000 | 6,696 |
| Income before extraordinary items | $59,000 | 8,421 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $59,000 | 8,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $59,000 | 8,319 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $517,000 | 8,916 |
| Total interest expense | $218,000 | 8,594 |
| Net interest income | $299,000 | 8,984 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $82,000 | 8,274 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $4,000 | 8,044 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,505 |
| Total noninterest expense | $307,000 | 9,004 |
| Salaries and employee benefits | $168,000 | 8,990 |
| Premises and equipment expense | $37,000 | 8,819 |
| Additional noninterest expense | $102,000 | 8,882 |
| Pre-tax net operating income | $74,000 | 8,350 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $24,000 | 6,710 |
| Income before extraordinary items | $50,000 | 8,525 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $50,000 | 8,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $50,000 | 8,416 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $361,000 | 8,934 |
| Total interest expense | $146,000 | 8,670 |
| Net interest income | $215,000 | 8,984 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $63,000 | 8,086 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,000 | 8,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $61,000 | 6,230 |
| Total noninterest expense | $210,000 | 9,013 |
| Salaries and employee benefits | $109,000 | 9,039 |
| Premises and equipment expense | $27,000 | 8,765 |
| Additional noninterest expense | $74,000 | 8,816 |
| Pre-tax net operating income | $68,000 | 8,242 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $23,000 | 6,516 |
| Income before extraordinary items | $45,000 | 8,466 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $45,000 | 8,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $45,000 | 8,335 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $188,000 | 8,971 |
| Total interest expense | $73,000 | 8,748 |
| Net interest income | $115,000 | 9,009 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $27,000 | 8,282 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 8,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $101,000 | 9,083 |
| Salaries and employee benefits | $50,000 | 9,128 |
| Premises and equipment expense | $14,000 | 8,741 |
| Additional noninterest expense | $37,000 | 8,864 |
| Pre-tax net operating income | $41,000 | 8,135 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $17,000 | 6,213 |
| Income before extraordinary items | $24,000 | 8,404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $24,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $24,000 | 8,279 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $724,000 | 9,046 |
| Total interest expense | $320,000 | 8,854 |
| Net interest income | $404,000 | 9,088 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $81,000 | 8,632 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $4,000 | 8,144 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $77,000 | 6,949 |
| Total noninterest expense | $394,000 | 9,148 |
| Salaries and employee benefits | $222,000 | 9,116 |
| Premises and equipment expense | $39,000 | 9,068 |
| Additional noninterest expense | $133,000 | 8,994 |
| Pre-tax net operating income | $91,000 | 8,339 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $23,000 | 6,986 |
| Income before extraordinary items | $68,000 | 8,474 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $68,000 | 8,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $68,000 | 8,383 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $851,000 | 9,252 |
| Total interest expense | $385,000 | 9,179 |
| Net interest income | $466,000 | 9,234 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $103,000 | 8,463 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $4,000 | 8,325 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $99,000 | 6,463 |
| Total noninterest expense | $403,000 | 9,359 |
| Salaries and employee benefits | $213,000 | 9,366 |
| Premises and equipment expense | $50,000 | 9,122 |
| Additional noninterest expense | $140,000 | 9,124 |
| Pre-tax net operating income | $166,000 | 8,038 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $68,000 | 6,431 |
| Income before extraordinary items | $98,000 | 8,352 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $98,000 | 8,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $98,000 | 8,244 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $914,000 | 9,457 |
| Total interest expense | $397,000 | 9,421 |
| Net interest income | $517,000 | 9,434 |
| Provision for loan and lease losses | $2,000 | 8,255 |
| Total noninterest income | $32,000 | 9,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 8,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 8,628 |
| Total noninterest expense | $390,000 | 9,615 |
| Salaries and employee benefits | $208,000 | 9,605 |
| Premises and equipment expense | $55,000 | 9,271 |
| Additional noninterest expense | $127,000 | 9,437 |
| Pre-tax net operating income | $157,000 | 8,566 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $37,000 | 7,461 |
| Income before extraordinary items | $120,000 | 8,579 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $120,000 | 8,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $120,000 | 8,576 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $795,000 | 9,778 |
| Total interest expense | $402,000 | 9,640 |
| Net interest income | $393,000 | 9,830 |
| Provision for loan and lease losses | $5,000 | 8,322 |
| Total noninterest income | $65,000 | 9,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 8,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,661 |
| Total noninterest expense | $360,000 | 9,960 |
| Salaries and employee benefits | $191,000 | 9,945 |
| Premises and equipment expense | $45,000 | 9,724 |
| Additional noninterest expense | $124,000 | 9,749 |
| Pre-tax net operating income | $93,000 | 9,103 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $29,000 | 8,032 |
| Income before extraordinary items | $64,000 | 9,172 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $64,000 | 9,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $64,000 | 9,142 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $690,000 | 10,104 |
| Total interest expense | $348,000 | 9,984 |
| Net interest income | $342,000 | 10,155 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $159,000 | 8,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,560 |
| Total noninterest expense | $363,000 | 10,140 |
| Salaries and employee benefits | $183,000 | 10,176 |
| Premises and equipment expense | $62,000 | 9,526 |
| Additional noninterest expense | $118,000 | 9,978 |
| Pre-tax net operating income | $138,000 | 9,236 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $48,000 | 8,366 |
| Income before extraordinary items | $90,000 | 9,398 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $90,000 | 9,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $90,000 | 9,335 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $677,000 | 10,588 |
| Total interest expense | $323,000 | 10,473 |
| Net interest income | $354,000 | 10,616 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $42,000 | 10,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $296,000 | 10,709 |
| Salaries and employee benefits | $164,000 | 10,677 |
| Premises and equipment expense | $49,000 | 10,222 |
| Additional noninterest expense | $83,000 | 10,677 |
| Pre-tax net operating income | $100,000 | 10,065 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $34,000 | 9,504 |
| Income before extraordinary items | $66,000 | 10,153 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $66,000 | 10,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $66,000 | 10,122 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $618,000 | 11,177 |
| Total interest expense | $314,000 | 11,051 |
| Net interest income | $304,000 | 11,221 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $76,000 | 10,350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,879 |
| Total noninterest expense | $293,000 | 11,240 |
| Salaries and employee benefits | $166,000 | 11,178 |
| Premises and equipment expense | $45,000 | 10,780 |
| Additional noninterest expense | $82,000 | 11,235 |
| Pre-tax net operating income | $87,000 | 10,437 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $26,000 | 10,095 |
| Income before extraordinary items | $61,000 | 10,516 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $61,000 | 10,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $61,000 | 10,469 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $600,000 | 11,717 |
| Total interest expense | $296,000 | 11,585 |
| Net interest income | $304,000 | 11,759 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $42,000 | 11,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,621 |
| Total noninterest expense | $309,000 | 11,686 |
| Salaries and employee benefits | $151,000 | 11,736 |
| Premises and equipment expense | $70,000 | 10,479 |
| Additional noninterest expense | $88,000 | 11,715 |
| Pre-tax net operating income | $37,000 | 11,358 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $18,000 | 10,788 |
| Income before extraordinary items | $19,000 | 11,437 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $19,000 | 11,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $19,000 | 11,402 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $575,000 | 12,344 |
| Total interest expense | $277,000 | 12,110 |
| Net interest income | $298,000 | 12,405 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $197,000 | 8,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 5,329 |
| Total noninterest expense | $321,000 | 12,290 |
| Salaries and employee benefits | $149,000 | 12,359 |
| Premises and equipment expense | $61,000 | 11,267 |
| Additional noninterest expense | $111,000 | 12,201 |
| Pre-tax net operating income | $174,000 | 11,092 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $66,000 | 10,095 |
| Income before extraordinary items | $108,000 | 11,310 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $108,000 | 11,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,674 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $108,000 | 11,347 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $682,000 | 12,833 |
| Total interest expense | $311,000 | 12,632 |
| Net interest income | $371,000 | 12,870 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $67,000 | 12,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 9,213 |
| Total noninterest expense | $369,000 | 12,763 |
| Salaries and employee benefits | $146,000 | 13,003 |
| Premises and equipment expense | $57,000 | 11,958 |
| Additional noninterest expense | $166,000 | 12,201 |
| Pre-tax net operating income | $69,000 | 12,062 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-6,000 | 12,763 |
| Income before extraordinary items | $75,000 | 12,056 |
| Extraordinary gains, net | $35,000 | 2,385 |
| Net income | $110,000 | 11,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 7,087 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $75,000 | 11,884 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $884,000 | 13,217 |
| Total interest expense | $455,000 | 12,946 |
| Net interest income | $429,000 | 13,306 |
| Provision for loan and lease losses | $158,000 | 5,947 |
| Total noninterest income | $36,000 | 13,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 11,337 |
| Total noninterest expense | $390,000 | 13,213 |
| Salaries and employee benefits | $151,000 | 13,545 |
| Premises and equipment expense | $56,000 | 12,452 |
| Additional noninterest expense | $183,000 | 12,480 |
| Pre-tax net operating income | $-83,000 | 12,913 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-43,000 | 13,486 |
| Income before extraordinary items | $-40,000 | 12,978 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-40,000 | 12,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 6,028 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-40,000 | 12,797 |
* 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.