Home > Capital Bank & Trust Company > Income and Expense
Capital Bank & Trust Company, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $21,275,000 | 1,006 |
| Total interest expense | $11,359,000 | 874 |
| Net interest income | $9,916,000 | 1,139 |
| Provision for loan and lease losses | $1,305,000 | 479 |
| Total noninterest income | $1,251,000 | 1,898 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $620,000 | 1,428 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $631,000 | 1,917 |
| Total noninterest expense | $7,194,000 | 1,297 |
| Salaries and employee benefits | $4,380,000 | 1,167 |
| Premises and equipment expense | $961,000 | 1,381 |
| Additional noninterest expense | $1,853,000 | 1,475 |
| Pre-tax net operating income | $2,668,000 | 1,717 |
| Securities gains (losses) | $6,000 | 974 |
| Applicable income taxes | $893,000 | 1,380 |
| Income before extraordinary items | $1,781,000 | 1,934 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,781,000 | 1,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,356,000 | 362 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,776,980 | 1,919 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,408,000 | 1,020 |
| Total interest expense | $5,501,000 | 890 |
| Net interest income | $4,907,000 | 1,141 |
| Provision for loan and lease losses | $263,000 | 921 |
| Total noninterest income | $666,000 | 1,798 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $291,000 | 1,473 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $375,000 | 1,667 |
| Total noninterest expense | $3,471,000 | 1,337 |
| Salaries and employee benefits | $2,158,000 | 1,189 |
| Premises and equipment expense | $494,000 | 1,359 |
| Additional noninterest expense | $819,000 | 1,638 |
| Pre-tax net operating income | $1,839,000 | 1,268 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $594,000 | 1,132 |
| Income before extraordinary items | $1,245,000 | 1,408 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,245,000 | 1,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,168 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,245,000 | 1,395 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $37,289,000 | 1,056 |
| Total interest expense | $17,809,000 | 937 |
| Net interest income | $19,480,000 | 1,140 |
| Provision for loan and lease losses | $1,328,000 | 790 |
| Total noninterest income | $2,636,000 | 1,803 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,247,000 | 1,440 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,389,000 | 1,761 |
| Total noninterest expense | $12,977,000 | 1,377 |
| Salaries and employee benefits | $8,121,000 | 1,199 |
| Premises and equipment expense | $1,705,000 | 1,510 |
| Additional noninterest expense | $3,151,000 | 1,672 |
| Pre-tax net operating income | $7,811,000 | 1,250 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,744,000 | 1,023 |
| Income before extraordinary items | $5,067,000 | 1,435 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,067,000 | 1,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,559 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,067,000 | 1,419 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $27,263,000 | 1,085 |
| Total interest expense | $12,659,000 | 964 |
| Net interest income | $14,604,000 | 1,158 |
| Provision for loan and lease losses | $1,120,000 | 680 |
| Total noninterest income | $1,802,000 | 1,947 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $941,000 | 1,431 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $861,000 | 2,022 |
| Total noninterest expense | $9,534,000 | 1,414 |
| Salaries and employee benefits | $5,990,000 | 1,237 |
| Premises and equipment expense | $1,232,000 | 1,572 |
| Additional noninterest expense | $2,312,000 | 1,701 |
| Pre-tax net operating income | $5,752,000 | 1,323 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,059,000 | 1,076 |
| Income before extraordinary items | $3,693,000 | 1,515 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,693,000 | 1,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 1,964 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,693,000 | 1,498 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,491,000 | 1,105 |
| Total interest expense | $7,957,000 | 970 |
| Net interest income | $9,534,000 | 1,187 |
| Provision for loan and lease losses | $842,000 | 618 |
| Total noninterest income | $1,198,000 | 1,950 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $641,000 | 1,379 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $557,000 | 2,070 |
| Total noninterest expense | $6,149,000 | 1,464 |
| Salaries and employee benefits | $3,882,000 | 1,278 |
| Premises and equipment expense | $818,000 | 1,584 |
| Additional noninterest expense | $1,449,000 | 1,804 |
| Pre-tax net operating income | $3,741,000 | 1,349 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,336,000 | 1,105 |
| Income before extraordinary items | $2,405,000 | 1,536 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,405,000 | 1,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 1,660 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,405,000 | 1,518 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,310,000 | 1,136 |
| Total interest expense | $3,704,000 | 980 |
| Net interest income | $4,606,000 | 1,229 |
| Provision for loan and lease losses | $428,000 | 580 |
| Total noninterest income | $618,000 | 1,888 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $322,000 | 1,339 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $296,000 | 1,961 |
| Total noninterest expense | $3,039,000 | 1,487 |
| Salaries and employee benefits | $1,886,000 | 1,310 |
| Premises and equipment expense | $389,000 | 1,656 |
| Additional noninterest expense | $764,000 | 1,716 |
| Pre-tax net operating income | $1,757,000 | 1,405 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $625,000 | 1,154 |
| Income before extraordinary items | $1,132,000 | 1,592 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,132,000 | 1,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,230 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,132,000 | 1,570 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,717,000 | 1,257 |
| Total interest expense | $10,835,000 | 1,033 |
| Net interest income | $15,882,000 | 1,376 |
| Provision for loan and lease losses | $1,665,000 | 646 |
| Total noninterest income | $2,244,000 | 2,040 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,117,000 | 1,554 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,127,000 | 2,049 |
| Total noninterest expense | $10,914,000 | 1,573 |
| Salaries and employee benefits | $6,742,000 | 1,379 |
| Premises and equipment expense | $1,468,000 | 1,663 |
| Additional noninterest expense | $2,704,000 | 1,872 |
| Pre-tax net operating income | $5,547,000 | 1,684 |
| Securities gains (losses) | $14,000 | 1,379 |
| Applicable income taxes | $1,981,000 | 1,374 |
| Income before extraordinary items | $3,580,000 | 1,916 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,580,000 | 1,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $564,000 | 1,061 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 838 |
| Net operating income | $3,571,040 | 1,898 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,964,000 | 1,281 |
| Total interest expense | $7,558,000 | 1,046 |
| Net interest income | $11,406,000 | 1,410 |
| Provision for loan and lease losses | $1,212,000 | 632 |
| Total noninterest income | $1,628,000 | 2,082 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $819,000 | 1,586 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $809,000 | 2,101 |
| Total noninterest expense | $7,851,000 | 1,612 |
| Salaries and employee benefits | $4,792,000 | 1,444 |
| Premises and equipment expense | $1,050,000 | 1,734 |
| Additional noninterest expense | $2,009,000 | 1,855 |
| Pre-tax net operating income | $3,971,000 | 1,779 |
| Securities gains (losses) | $14,000 | 1,366 |
| Applicable income taxes | $1,403,000 | 1,456 |
| Income before extraordinary items | $2,582,000 | 2,005 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,582,000 | 2,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $449,000 | 909 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,572,900 | 1,974 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,954,000 | 1,313 |
| Total interest expense | $4,663,000 | 1,069 |
| Net interest income | $7,291,000 | 1,461 |
| Provision for loan and lease losses | $780,000 | 651 |
| Total noninterest income | $1,037,000 | 2,117 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $534,000 | 1,574 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $503,000 | 2,168 |
| Total noninterest expense | $4,922,000 | 1,695 |
| Salaries and employee benefits | $3,011,000 | 1,538 |
| Premises and equipment expense | $655,000 | 1,828 |
| Additional noninterest expense | $1,256,000 | 1,948 |
| Pre-tax net operating income | $2,626,000 | 1,763 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $922,000 | 1,457 |
| Income before extraordinary items | $1,709,000 | 1,991 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,709,000 | 1,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 1,320 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,705,750 | 1,959 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,577,000 | 1,386 |
| Total interest expense | $2,095,000 | 1,121 |
| Net interest income | $3,482,000 | 1,526 |
| Provision for loan and lease losses | $339,000 | 689 |
| Total noninterest income | $462,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $263,000 | 1,543 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $199,000 | 2,488 |
| Total noninterest expense | $2,354,000 | 1,776 |
| Salaries and employee benefits | $1,448,000 | 1,595 |
| Premises and equipment expense | $299,000 | 2,004 |
| Additional noninterest expense | $607,000 | 2,016 |
| Pre-tax net operating income | $1,251,000 | 1,807 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $439,000 | 1,494 |
| Income before extraordinary items | $814,000 | 2,051 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $814,000 | 2,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,607 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $812,700 | 2,019 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,709,000 | 1,638 |
| Total interest expense | $5,958,000 | 1,379 |
| Net interest income | $11,751,000 | 1,721 |
| Provision for loan and lease losses | $1,514,000 | 715 |
| Total noninterest income | $2,168,000 | 2,083 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,214,000 | 1,442 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $954,000 | 2,216 |
| Total noninterest expense | $8,392,000 | 1,918 |
| Salaries and employee benefits | $4,704,000 | 1,863 |
| Premises and equipment expense | $1,200,000 | 1,916 |
| Additional noninterest expense | $2,488,000 | 1,952 |
| Pre-tax net operating income | $4,013,000 | 2,057 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,394,000 | 1,698 |
| Income before extraordinary items | $2,619,000 | 2,326 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,619,000 | 2,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $912,000 | 841 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,619,000 | 2,276 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,604,000 | 1,684 |
| Total interest expense | $4,249,000 | 1,416 |
| Net interest income | $8,355,000 | 1,797 |
| Provision for loan and lease losses | $908,000 | 848 |
| Total noninterest income | $1,699,000 | 2,027 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $912,000 | 1,456 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $787,000 | 2,092 |
| Total noninterest expense | $6,073,000 | 1,978 |
| Salaries and employee benefits | $3,318,000 | 1,968 |
| Premises and equipment expense | $889,000 | 1,943 |
| Additional noninterest expense | $1,866,000 | 1,927 |
| Pre-tax net operating income | $3,073,000 | 2,037 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,058,000 | 1,690 |
| Income before extraordinary items | $2,015,000 | 2,301 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,015,000 | 2,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $508,000 | 930 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,015,000 | 2,246 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,075,000 | 1,745 |
| Total interest expense | $2,767,000 | 1,437 |
| Net interest income | $5,308,000 | 1,881 |
| Provision for loan and lease losses | $570,000 | 885 |
| Total noninterest income | $1,133,000 | 2,013 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $583,000 | 1,508 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $550,000 | 2,043 |
| Total noninterest expense | $3,875,000 | 2,053 |
| Salaries and employee benefits | $2,118,000 | 2,062 |
| Premises and equipment expense | $583,000 | 1,972 |
| Additional noninterest expense | $1,174,000 | 2,053 |
| Pre-tax net operating income | $1,996,000 | 2,044 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $687,000 | 1,735 |
| Income before extraordinary items | $1,309,000 | 2,337 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,309,000 | 2,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 952 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,309,000 | 2,270 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,973,000 | 1,779 |
| Total interest expense | $1,381,000 | 1,454 |
| Net interest income | $2,592,000 | 1,925 |
| Provision for loan and lease losses | $299,000 | 851 |
| Total noninterest income | $520,000 | 2,094 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $276,000 | 1,554 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $244,000 | 2,166 |
| Total noninterest expense | $1,894,000 | 2,115 |
| Salaries and employee benefits | $1,042,000 | 2,116 |
| Premises and equipment expense | $295,000 | 1,964 |
| Additional noninterest expense | $557,000 | 2,128 |
| Pre-tax net operating income | $919,000 | 2,163 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $314,000 | 1,853 |
| Income before extraordinary items | $605,000 | 2,472 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $605,000 | 2,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 619 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $605,000 | 2,398 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,949,000 | 1,894 |
| Total interest expense | $5,261,000 | 1,709 |
| Net interest income | $9,688,000 | 2,026 |
| Provision for loan and lease losses | $1,090,000 | 1,094 |
| Total noninterest income | $2,537,000 | 1,925 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,077,000 | 1,586 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,460,000 | 1,860 |
| Total noninterest expense | $7,382,000 | 2,134 |
| Salaries and employee benefits | $4,201,000 | 2,026 |
| Premises and equipment expense | $1,195,000 | 1,914 |
| Additional noninterest expense | $1,986,000 | 2,421 |
| Pre-tax net operating income | $3,753,000 | 2,075 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $1,318,000 | 1,807 |
| Income before extraordinary items | $2,441,000 | 2,414 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,441,000 | 2,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $724,000 | 1,193 |
| Cash dividends | $67,000 | 5,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,437,100 | 2,311 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,045,000 | 1,956 |
| Total interest expense | $3,952,000 | 1,770 |
| Net interest income | $7,093,000 | 2,080 |
| Provision for loan and lease losses | $817,000 | 1,063 |
| Total noninterest income | $2,046,000 | 1,859 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $792,000 | 1,629 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,254,000 | 1,749 |
| Total noninterest expense | $5,711,000 | 2,082 |
| Salaries and employee benefits | $3,284,000 | 1,964 |
| Premises and equipment expense | $907,000 | 1,890 |
| Additional noninterest expense | $1,520,000 | 2,365 |
| Pre-tax net operating income | $2,611,000 | 2,295 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $944,000 | 1,946 |
| Income before extraordinary items | $1,673,000 | 2,722 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,673,000 | 2,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $441,000 | 1,301 |
| Cash dividends | $37,000 | 5,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,669,160 | 2,584 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,298,000 | 1,990 |
| Total interest expense | $2,663,000 | 1,805 |
| Net interest income | $4,635,000 | 2,108 |
| Provision for loan and lease losses | $543,000 | 1,069 |
| Total noninterest income | $1,208,000 | 2,049 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $505,000 | 1,667 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $703,000 | 1,958 |
| Total noninterest expense | $3,739,000 | 2,107 |
| Salaries and employee benefits | $2,180,000 | 1,955 |
| Premises and equipment expense | $602,000 | 1,895 |
| Additional noninterest expense | $957,000 | 2,462 |
| Pre-tax net operating income | $1,561,000 | 2,503 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $568,000 | 2,125 |
| Income before extraordinary items | $994,000 | 2,987 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $994,000 | 2,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 1,249 |
| Cash dividends | $37,000 | 4,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $993,360 | 2,841 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 2,040 |
| Total interest expense | $1,316,000 | 1,869 |
| Net interest income | $2,275,000 | 2,147 |
| Provision for loan and lease losses | $272,000 | 1,034 |
| Total noninterest income | $655,000 | 1,870 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $254,000 | 1,618 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $401,000 | 1,733 |
| Total noninterest expense | $1,881,000 | 2,080 |
| Salaries and employee benefits | $1,097,000 | 1,941 |
| Premises and equipment expense | $293,000 | 1,944 |
| Additional noninterest expense | $491,000 | 2,374 |
| Pre-tax net operating income | $777,000 | 2,528 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $285,000 | 2,126 |
| Income before extraordinary items | $492,000 | 2,981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $492,000 | 2,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 990 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $492,000 | 2,843 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,721,000 | 2,242 |
| Total interest expense | $5,170,000 | 2,168 |
| Net interest income | $8,551,000 | 2,263 |
| Provision for loan and lease losses | $1,090,000 | 1,247 |
| Total noninterest income | $1,956,000 | 2,168 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,029,000 | 1,573 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $927,000 | 2,290 |
| Total noninterest expense | $6,808,000 | 2,193 |
| Salaries and employee benefits | $3,858,000 | 2,073 |
| Premises and equipment expense | $1,127,000 | 1,958 |
| Additional noninterest expense | $1,823,000 | 2,518 |
| Pre-tax net operating income | $2,609,000 | 2,800 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $968,000 | 2,263 |
| Income before extraordinary items | $1,642,000 | 3,267 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,642,000 | 3,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $677,000 | 1,329 |
| Cash dividends | $65,000 | 5,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,641,360 | 3,169 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,254,000 | 2,578 |
| Total interest expense | $6,466,000 | 2,481 |
| Net interest income | $6,788,000 | 2,636 |
| Provision for loan and lease losses | $570,000 | 1,989 |
| Total noninterest income | $1,242,000 | 2,863 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $591,000 | 2,466 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $651,000 | 2,690 |
| Total noninterest expense | $5,848,000 | 2,440 |
| Salaries and employee benefits | $3,342,000 | 2,245 |
| Premises and equipment expense | $1,071,000 | 1,997 |
| Additional noninterest expense | $1,435,000 | 2,987 |
| Pre-tax net operating income | $1,612,000 | 3,684 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $604,000 | 2,959 |
| Income before extraordinary items | $1,008,000 | 4,273 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,008,000 | 4,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 2,069 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 733 |
| Net operating income | $1,008,000 | 4,155 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,338,000 | 2,607 |
| Total interest expense | $6,997,000 | 2,408 |
| Net interest income | $6,341,000 | 2,800 |
| Provision for loan and lease losses | $792,000 | 1,286 |
| Total noninterest income | $812,000 | 3,627 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $360,000 | 3,509 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $452,000 | 3,105 |
| Total noninterest expense | $5,095,000 | 2,668 |
| Salaries and employee benefits | $2,871,000 | 2,482 |
| Premises and equipment expense | $861,000 | 2,394 |
| Additional noninterest expense | $1,363,000 | 3,049 |
| Pre-tax net operating income | $1,266,000 | 4,586 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $179,000 | 5,620 |
| Income before extraordinary items | $1,087,000 | 4,140 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,087,000 | 4,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,140 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-5,300,000 | 9,883 |
| Net operating income | $1,087,000 | 4,142 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,084,000 | 3,197 |
| Total interest expense | $4,521,000 | 3,227 |
| Net interest income | $5,563,000 | 3,117 |
| Provision for loan and lease losses | $450,000 | 1,911 |
| Total noninterest income | $761,000 | 3,750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,345 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $495,000 | 2,968 |
| Total noninterest expense | $4,199,000 | 3,175 |
| Salaries and employee benefits | $2,439,000 | 2,873 |
| Premises and equipment expense | $721,000 | 2,801 |
| Additional noninterest expense | $1,039,000 | 3,892 |
| Pre-tax net operating income | $1,675,000 | 3,804 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $637,000 | 3,090 |
| Income before extraordinary items | $1,038,000 | 4,310 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,038,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,903 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $4,462,000 | 279 |
| Net operating income | $1,038,000 | 4,273 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,945,000 | 3,958 |
| Total interest expense | $3,687,000 | 3,948 |
| Net interest income | $4,258,000 | 3,923 |
| Provision for loan and lease losses | $280,000 | 2,772 |
| Total noninterest income | $656,000 | 4,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,164 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $457,000 | 3,149 |
| Total noninterest expense | $3,101,000 | 3,998 |
| Salaries and employee benefits | $1,858,000 | 3,570 |
| Premises and equipment expense | $521,000 | 3,566 |
| Additional noninterest expense | $722,000 | 5,048 |
| Pre-tax net operating income | $1,533,000 | 4,120 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $598,000 | 3,414 |
| Income before extraordinary items | $937,000 | 4,694 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $937,000 | 4,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,985 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 972 |
| Net operating income | $935,720 | 4,617 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,985,000 | 5,090 |
| Total interest expense | $2,761,000 | 5,029 |
| Net interest income | $3,224,000 | 5,031 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $355,000 | 6,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,173 |
| Total noninterest expense | $2,379,000 | 4,986 |
| Salaries and employee benefits | $1,336,000 | 4,678 |
| Premises and equipment expense | $444,000 | 4,085 |
| Additional noninterest expense | $599,000 | 5,821 |
| Pre-tax net operating income | $1,020,000 | 5,769 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $185,000 | 7,103 |
| Income before extraordinary items | $837,000 | 5,306 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $837,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $4,443,000 | 228 |
| Net operating income | $835,360 | 5,261 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,138,000 | 6,731 |
| Total interest expense | $1,885,000 | 6,653 |
| Net interest income | $2,253,000 | 6,654 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $293,000 | 7,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,886 |
| Total noninterest expense | $1,851,000 | 6,268 |
| Salaries and employee benefits | $1,027,000 | 5,879 |
| Premises and equipment expense | $375,000 | 4,772 |
| Additional noninterest expense | $449,000 | 7,480 |
| Pre-tax net operating income | $515,000 | 7,854 |
| Securities gains (losses) | $23,000 | 1,905 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $538,000 | 6,637 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $538,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $515,000 | 6,737 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,464,000 | 9,028 |
| Total interest expense | $939,000 | 9,469 |
| Net interest income | $1,525,000 | 8,465 |
| Provision for loan and lease losses | $255,000 | 2,517 |
| Total noninterest income | $218,000 | 8,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,722 |
| Total noninterest expense | $1,511,000 | 7,240 |
| Salaries and employee benefits | $818,000 | 7,002 |
| Premises and equipment expense | $324,000 | 5,312 |
| Additional noninterest expense | $369,000 | 8,502 |
| Pre-tax net operating income | $-23,000 | 11,531 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-23,000 | 11,539 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-23,000 | 11,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 610 |
| Net operating income | $-23,000 | 11,516 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $648,000 | 12,258 |
| Total interest expense | $142,000 | 12,455 |
| Net interest income | $506,000 | 11,994 |
| Provision for loan and lease losses | $200,000 | 3,000 |
| Total noninterest income | $34,000 | 12,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 10,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,718 |
| Total noninterest expense | $1,406,000 | 7,899 |
| Salaries and employee benefits | $873,000 | 6,801 |
| Premises and equipment expense | $265,000 | 6,269 |
| Additional noninterest expense | $268,000 | 10,315 |
| Pre-tax net operating income | $-1,066,000 | 12,463 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-1,066,000 | 12,434 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,066,000 | 12,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $8,435,000 | 119 |
| Net operating income | $-1,066,000 | 12,431 |
* 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.