Home > Centennial Bank of the West > Income and Expense
Centennial Bank of the West, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $59,338,000 | 699 |
| Total interest expense | $23,731,000 | 831 |
| Net interest income | $35,607,000 | 621 |
| Provision for loan and lease losses | $21,388,000 | 151 |
| Total noninterest income | $6,101,000 | 935 |
| Gross Fiduciary activities income | $1,218,000 | 376 |
| Service charges on deposit accounts | $2,545,000 | 696 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,338,000 | 1,228 |
| Total noninterest expense | $168,746,000 | 150 |
| Salaries and employee benefits | $10,034,000 | 997 |
| Premises and equipment expense | $4,015,000 | 662 |
| Additional noninterest expense | $154,697,000 | 82 |
| Pre-tax net operating income | $-148,426,000 | 8,534 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $-2,556,000 | 8,467 |
| Income before extraordinary items | $-145,869,000 | 8,526 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-145,869,000 | 8,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,769,000 | 101 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-145,869,980 | 8,526 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $45,897,000 | 683 |
| Total interest expense | $18,519,000 | 792 |
| Net interest income | $27,378,000 | 607 |
| Provision for loan and lease losses | $20,353,000 | 102 |
| Total noninterest income | $4,221,000 | 1,001 |
| Gross Fiduciary activities income | $932,000 | 366 |
| Service charges on deposit accounts | $1,961,000 | 657 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,328,000 | 1,497 |
| Total noninterest expense | $19,823,000 | 705 |
| Salaries and employee benefits | $7,815,000 | 953 |
| Premises and equipment expense | $3,139,000 | 632 |
| Additional noninterest expense | $8,869,000 | 492 |
| Pre-tax net operating income | $-8,577,000 | 8,543 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-3,645,000 | 8,540 |
| Income before extraordinary items | $-4,932,000 | 8,531 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-4,932,000 | 8,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,315,000 | 81 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-4,932,000 | 8,523 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $30,964,000 | 691 |
| Total interest expense | $12,392,000 | 797 |
| Net interest income | $18,572,000 | 621 |
| Provision for loan and lease losses | $11,916,000 | 97 |
| Total noninterest income | $2,848,000 | 1,002 |
| Gross Fiduciary activities income | $642,000 | 361 |
| Service charges on deposit accounts | $1,336,000 | 650 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $870,000 | 1,539 |
| Total noninterest expense | $13,869,000 | 678 |
| Salaries and employee benefits | $5,506,000 | 918 |
| Premises and equipment expense | $2,188,000 | 624 |
| Additional noninterest expense | $6,175,000 | 489 |
| Pre-tax net operating income | $-4,365,000 | 8,593 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-1,862,000 | 8,595 |
| Income before extraordinary items | $-2,503,000 | 8,581 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,503,000 | 8,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,782,000 | 147 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-2,503,000 | 8,570 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $15,713,000 | 663 |
| Total interest expense | $6,168,000 | 790 |
| Net interest income | $9,545,000 | 602 |
| Provision for loan and lease losses | $2,163,000 | 174 |
| Total noninterest income | $1,442,000 | 981 |
| Gross Fiduciary activities income | $321,000 | 363 |
| Service charges on deposit accounts | $687,000 | 608 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $434,000 | 1,523 |
| Total noninterest expense | $6,744,000 | 695 |
| Salaries and employee benefits | $2,809,000 | 908 |
| Premises and equipment expense | $1,130,000 | 599 |
| Additional noninterest expense | $2,805,000 | 513 |
| Pre-tax net operating income | $2,080,000 | 1,124 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $695,000 | 984 |
| Income before extraordinary items | $1,385,000 | 1,266 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,385,000 | 1,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $933,000 | 250 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,385,000 | 1,246 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $68,449,000 | 589 |
| Total interest expense | $25,057,000 | 677 |
| Net interest income | $43,392,000 | 525 |
| Provision for loan and lease losses | $5,326,000 | 231 |
| Total noninterest income | $6,444,000 | 887 |
| Gross Fiduciary activities income | $1,130,000 | 366 |
| Service charges on deposit accounts | $3,150,000 | 544 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,164,000 | 1,283 |
| Total noninterest expense | $31,330,000 | 583 |
| Salaries and employee benefits | $13,682,000 | 679 |
| Premises and equipment expense | $4,380,000 | 577 |
| Additional noninterest expense | $13,268,000 | 438 |
| Pre-tax net operating income | $13,180,000 | 763 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $4,167,000 | 729 |
| Income before extraordinary items | $9,014,000 | 823 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,014,000 | 822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,836,000 | 290 |
| Cash dividends | $10,000,000 | 378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $9,013,320 | 812 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $51,492,000 | 595 |
| Total interest expense | $18,304,000 | 681 |
| Net interest income | $33,188,000 | 527 |
| Provision for loan and lease losses | $2,055,000 | 388 |
| Total noninterest income | $5,130,000 | 862 |
| Gross Fiduciary activities income | $1,049,000 | 337 |
| Service charges on deposit accounts | $2,458,000 | 523 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,623,000 | 1,298 |
| Total noninterest expense | $23,504,000 | 598 |
| Salaries and employee benefits | $10,811,000 | 662 |
| Premises and equipment expense | $3,366,000 | 574 |
| Additional noninterest expense | $9,327,000 | 472 |
| Pre-tax net operating income | $12,759,000 | 641 |
| Securities gains (losses) | $1,000 | 1,261 |
| Applicable income taxes | $4,538,000 | 581 |
| Income before extraordinary items | $8,222,000 | 714 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $8,222,000 | 713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,236,000 | 255 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $8,221,360 | 708 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $33,829,000 | 596 |
| Total interest expense | $11,453,000 | 686 |
| Net interest income | $22,376,000 | 526 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $3,178,000 | 898 |
| Gross Fiduciary activities income | $469,000 | 425 |
| Service charges on deposit accounts | $1,681,000 | 505 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,028,000 | 1,326 |
| Total noninterest expense | $16,118,000 | 587 |
| Salaries and employee benefits | $7,493,000 | 653 |
| Premises and equipment expense | $2,220,000 | 584 |
| Additional noninterest expense | $6,405,000 | 460 |
| Pre-tax net operating income | $9,436,000 | 593 |
| Securities gains (losses) | $-5,000 | 7,694 |
| Applicable income taxes | $3,438,000 | 529 |
| Income before extraordinary items | $5,993,000 | 667 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,993,000 | 665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,014,000 | 337 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,996,200 | 654 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $16,714,000 | 582 |
| Total interest expense | $5,409,000 | 681 |
| Net interest income | $11,305,000 | 518 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,393,000 | 995 |
| Gross Fiduciary activities income | $230,000 | 437 |
| Service charges on deposit accounts | $767,000 | 533 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $396,000 | 1,590 |
| Total noninterest expense | $7,755,000 | 595 |
| Salaries and employee benefits | $3,790,000 | 644 |
| Premises and equipment expense | $1,147,000 | 558 |
| Additional noninterest expense | $2,818,000 | 513 |
| Pre-tax net operating income | $4,943,000 | 557 |
| Securities gains (losses) | $-5,000 | 8,100 |
| Applicable income taxes | $1,824,000 | 495 |
| Income before extraordinary items | $3,114,000 | 637 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,114,000 | 636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-327,000 | 8,744 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $3,117,200 | 621 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $52,144,000 | 630 |
| Total interest expense | $13,543,000 | 834 |
| Net interest income | $38,601,000 | 574 |
| Provision for loan and lease losses | $3,400,000 | 323 |
| Total noninterest income | $4,197,000 | 1,231 |
| Gross Fiduciary activities income | $421,000 | 624 |
| Service charges on deposit accounts | $2,763,000 | 614 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,013,000 | 2,195 |
| Total noninterest expense | $26,204,000 | 659 |
| Salaries and employee benefits | $11,933,000 | 749 |
| Premises and equipment expense | $3,696,000 | 670 |
| Additional noninterest expense | $10,575,000 | 530 |
| Pre-tax net operating income | $13,194,000 | 753 |
| Securities gains (losses) | $-6,000 | 7,363 |
| Applicable income taxes | $4,835,000 | 659 |
| Income before extraordinary items | $8,353,000 | 864 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,353,000 | 865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,207,000 | 361 |
| Cash dividends | $37,000,000 | 156 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,356,840 | 851 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $34,756,000 | 680 |
| Total interest expense | $8,683,000 | 908 |
| Net interest income | $26,073,000 | 616 |
| Provision for loan and lease losses | $1,700,000 | 449 |
| Total noninterest income | $2,750,000 | 1,378 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,948,000 | 660 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $802,000 | 2,113 |
| Total noninterest expense | $16,865,000 | 749 |
| Salaries and employee benefits | $8,170,000 | 827 |
| Premises and equipment expense | $2,314,000 | 777 |
| Additional noninterest expense | $6,381,000 | 639 |
| Pre-tax net operating income | $10,258,000 | 720 |
| Securities gains (losses) | $-6,000 | 7,744 |
| Applicable income taxes | $3,783,000 | 645 |
| Income before extraordinary items | $6,469,000 | 830 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,469,000 | 832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,114,000 | 460 |
| Cash dividends | $4,000,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,472,840 | 814 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $22,444,000 | 685 |
| Total interest expense | $4,856,000 | 1,022 |
| Net interest income | $17,588,000 | 608 |
| Provision for loan and lease losses | $1,700,000 | 300 |
| Total noninterest income | $1,789,000 | 1,390 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,266,000 | 665 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $523,000 | 2,121 |
| Total noninterest expense | $11,484,000 | 729 |
| Salaries and employee benefits | $5,397,000 | 826 |
| Premises and equipment expense | $1,630,000 | 732 |
| Additional noninterest expense | $4,457,000 | 611 |
| Pre-tax net operating income | $6,193,000 | 778 |
| Securities gains (losses) | $-6,000 | 7,982 |
| Applicable income taxes | $2,282,000 | 688 |
| Income before extraordinary items | $3,905,000 | 895 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,905,000 | 895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $745,000 | 451 |
| Cash dividends | $4,000,000 | 396 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,908,840 | 874 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $10,602,000 | 708 |
| Total interest expense | $1,937,000 | 1,221 |
| Net interest income | $8,665,000 | 608 |
| Provision for loan and lease losses | $1,700,000 | 173 |
| Total noninterest income | $870,000 | 1,399 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $606,000 | 668 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $264,000 | 2,066 |
| Total noninterest expense | $5,597,000 | 746 |
| Salaries and employee benefits | $2,591,000 | 856 |
| Premises and equipment expense | $803,000 | 750 |
| Additional noninterest expense | $2,203,000 | 609 |
| Pre-tax net operating income | $2,238,000 | 1,036 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $821,000 | 885 |
| Income before extraordinary items | $1,417,000 | 1,220 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,417,000 | 1,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 533 |
| Cash dividends | $4,000,000 | 204 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,417,000 | 1,195 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,900,000 | 1,531 |
| Total interest expense | $3,116,000 | 2,542 |
| Net interest income | $15,784,000 | 1,279 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,722,000 | 2,442 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,263,000 | 1,401 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $459,000 | 3,470 |
| Total noninterest expense | $10,590,000 | 1,538 |
| Salaries and employee benefits | $5,375,000 | 1,632 |
| Premises and equipment expense | $1,634,000 | 1,403 |
| Additional noninterest expense | $3,581,000 | 1,387 |
| Pre-tax net operating income | $6,916,000 | 1,252 |
| Securities gains (losses) | $36,000 | 1,984 |
| Applicable income taxes | $2,637,000 | 996 |
| Income before extraordinary items | $4,315,000 | 1,492 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,315,000 | 1,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,201,000 | 321 |
| Cash dividends | $3,000,000 | 960 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,291,960 | 1,450 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,591,000 | 2,469 |
| Total interest expense | $1,446,000 | 3,719 |
| Net interest income | $7,145,000 | 2,121 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $770,000 | 3,501 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $595,000 | 2,173 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $175,000 | 4,785 |
| Total noninterest expense | $4,392,000 | 2,680 |
| Salaries and employee benefits | $2,160,000 | 2,926 |
| Premises and equipment expense | $682,000 | 2,474 |
| Additional noninterest expense | $1,550,000 | 2,328 |
| Pre-tax net operating income | $3,523,000 | 1,796 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,500,000 | 1,282 |
| Income before extraordinary items | $2,023,000 | 2,290 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,023,000 | 2,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $935,000 | 599 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,023,000 | 2,238 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $21,093,000 | 650 |
| Total interest expense | $5,311,000 | 750 |
| Net interest income | $15,782,000 | 616 |
| Provision for loan and lease losses | $1,000,000 | 523 |
| Total noninterest income | $2,082,000 | 1,256 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,507,000 | 575 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $575,000 | 1,990 |
| Total noninterest expense | $10,900,000 | 733 |
| Salaries and employee benefits | $5,617,000 | 752 |
| Premises and equipment expense | $1,715,000 | 679 |
| Additional noninterest expense | $3,568,000 | 715 |
| Pre-tax net operating income | $5,964,000 | 749 |
| Securities gains (losses) | $-66,000 | 8,939 |
| Applicable income taxes | $2,077,000 | 703 |
| Income before extraordinary items | $3,821,000 | 850 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,821,000 | 850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,417,000 | 328 |
| Cash dividends | $2,350,000 | 618 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,863,900 | 806 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $10,476,000 | 663 |
| Total interest expense | $2,857,000 | 709 |
| Net interest income | $7,619,000 | 645 |
| Provision for loan and lease losses | $400,000 | 623 |
| Total noninterest income | $1,099,000 | 1,173 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $766,000 | 562 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $333,000 | 1,755 |
| Total noninterest expense | $5,806,000 | 696 |
| Salaries and employee benefits | $3,007,000 | 716 |
| Premises and equipment expense | $878,000 | 667 |
| Additional noninterest expense | $1,921,000 | 664 |
| Pre-tax net operating income | $2,512,000 | 858 |
| Securities gains (losses) | $-66,000 | 9,046 |
| Applicable income taxes | $805,000 | 890 |
| Income before extraordinary items | $1,641,000 | 999 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,641,000 | 999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $792,000 | 323 |
| Cash dividends | $2,350,000 | 331 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,685,220 | 920 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $46,051,000 | 606 |
| Total interest expense | $14,885,000 | 603 |
| Net interest income | $31,166,000 | 613 |
| Provision for loan and lease losses | $900,000 | 1,310 |
| Total noninterest income | $4,225,000 | 1,292 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,157,000 | 552 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,068,000 | 2,292 |
| Total noninterest expense | $21,824,000 | 743 |
| Salaries and employee benefits | $11,447,000 | 745 |
| Premises and equipment expense | $3,665,000 | 618 |
| Additional noninterest expense | $6,712,000 | 771 |
| Pre-tax net operating income | $12,667,000 | 691 |
| Securities gains (losses) | $239,000 | 1,218 |
| Applicable income taxes | $4,883,000 | 630 |
| Income before extraordinary items | $8,023,000 | 809 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,023,000 | 811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,504,000 | 473 |
| Cash dividends | $5,554,000 | 574 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,870,040 | 776 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $35,057,000 | 608 |
| Total interest expense | $11,768,000 | 598 |
| Net interest income | $23,289,000 | 629 |
| Provision for loan and lease losses | $600,000 | 1,404 |
| Total noninterest income | $3,176,000 | 1,318 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,373,000 | 556 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $803,000 | 2,365 |
| Total noninterest expense | $16,331,000 | 756 |
| Salaries and employee benefits | $8,517,000 | 764 |
| Premises and equipment expense | $2,763,000 | 628 |
| Additional noninterest expense | $5,051,000 | 770 |
| Pre-tax net operating income | $9,534,000 | 713 |
| Securities gains (losses) | $214,000 | 1,188 |
| Applicable income taxes | $3,663,000 | 661 |
| Income before extraordinary items | $6,085,000 | 832 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,085,000 | 833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $673,000 | 932 |
| Cash dividends | $5,554,000 | 451 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,948,040 | 787 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $23,712,000 | 610 |
| Total interest expense | $8,214,000 | 595 |
| Net interest income | $15,498,000 | 625 |
| Provision for loan and lease losses | $500,000 | 1,144 |
| Total noninterest income | $2,036,000 | 1,353 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,560,000 | 556 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $476,000 | 2,513 |
| Total noninterest expense | $10,805,000 | 763 |
| Salaries and employee benefits | $5,709,000 | 760 |
| Premises and equipment expense | $1,861,000 | 625 |
| Additional noninterest expense | $3,235,000 | 805 |
| Pre-tax net operating income | $6,229,000 | 727 |
| Securities gains (losses) | $6,000 | 3,151 |
| Applicable income taxes | $2,344,000 | 682 |
| Income before extraordinary items | $3,891,000 | 869 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,891,000 | 870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,035 |
| Cash dividends | $2,000,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,887,160 | 799 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $12,069,000 | 609 |
| Total interest expense | $4,244,000 | 588 |
| Net interest income | $7,825,000 | 623 |
| Provision for loan and lease losses | $500,000 | 617 |
| Total noninterest income | $822,000 | 1,549 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $716,000 | 586 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $106,000 | 3,823 |
| Total noninterest expense | $5,316,000 | 770 |
| Salaries and employee benefits | $2,822,000 | 772 |
| Premises and equipment expense | $925,000 | 631 |
| Additional noninterest expense | $1,569,000 | 808 |
| Pre-tax net operating income | $2,831,000 | 794 |
| Securities gains (losses) | $6,000 | 2,344 |
| Applicable income taxes | $1,043,000 | 769 |
| Income before extraordinary items | $1,794,000 | 939 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,794,000 | 938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-171,000 | 9,260 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,790,160 | 869 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $51,119,000 | 608 |
| Total interest expense | $19,237,000 | 597 |
| Net interest income | $31,882,000 | 598 |
| Provision for loan and lease losses | $3,950,000 | 454 |
| Total noninterest income | $3,801,000 | 1,299 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,438,000 | 672 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,363,000 | 1,777 |
| Total noninterest expense | $21,548,000 | 745 |
| Salaries and employee benefits | $11,162,000 | 724 |
| Premises and equipment expense | $3,579,000 | 624 |
| Additional noninterest expense | $6,807,000 | 748 |
| Pre-tax net operating income | $10,185,000 | 858 |
| Securities gains (losses) | $-205,000 | 9,196 |
| Applicable income taxes | $3,761,000 | 766 |
| Income before extraordinary items | $6,219,000 | 1,011 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,219,000 | 1,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,394,000 | 411 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,350,200 | 942 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $52,593,000 | 674 |
| Total interest expense | $25,574,000 | 660 |
| Net interest income | $27,019,000 | 666 |
| Provision for loan and lease losses | $3,680,000 | 450 |
| Total noninterest income | $2,926,000 | 1,509 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,772,000 | 834 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,154,000 | 1,846 |
| Total noninterest expense | $17,517,000 | 861 |
| Salaries and employee benefits | $8,779,000 | 851 |
| Premises and equipment expense | $2,455,000 | 857 |
| Additional noninterest expense | $6,283,000 | 801 |
| Pre-tax net operating income | $8,748,000 | 867 |
| Securities gains (losses) | $82,000 | 1,913 |
| Applicable income taxes | $3,274,000 | 780 |
| Income before extraordinary items | $5,556,000 | 991 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,556,000 | 992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,425,000 | 497 |
| Cash dividends | $525,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,503,520 | 960 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $39,555,000 | 899 |
| Total interest expense | $18,909,000 | 950 |
| Net interest income | $20,646,000 | 845 |
| Provision for loan and lease losses | $3,915,000 | 380 |
| Total noninterest income | $1,910,000 | 1,937 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,386,000 | 973 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $524,000 | 2,876 |
| Total noninterest expense | $10,216,000 | 1,355 |
| Salaries and employee benefits | $5,377,000 | 1,329 |
| Premises and equipment expense | $1,709,000 | 1,179 |
| Additional noninterest expense | $3,130,000 | 1,435 |
| Pre-tax net operating income | $8,424,000 | 921 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $3,137,000 | 799 |
| Income before extraordinary items | $5,288,000 | 1,013 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,288,000 | 1,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,455,000 | 426 |
| Cash dividends | $825,000 | 2,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,287,360 | 1,009 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $25,770,000 | 1,264 |
| Total interest expense | $11,577,000 | 1,306 |
| Net interest income | $14,193,000 | 1,244 |
| Provision for loan and lease losses | $1,305,000 | 790 |
| Total noninterest income | $1,408,000 | 2,388 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $955,000 | 1,369 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $453,000 | 3,151 |
| Total noninterest expense | $8,057,000 | 1,707 |
| Salaries and employee benefits | $4,083,000 | 1,689 |
| Premises and equipment expense | $1,495,000 | 1,357 |
| Additional noninterest expense | $2,479,000 | 1,786 |
| Pre-tax net operating income | $6,239,000 | 1,230 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $2,312,000 | 1,088 |
| Income before extraordinary items | $3,931,000 | 1,371 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,931,000 | 1,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 1,293 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,928,440 | 1,352 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,038,000 | 1,896 |
| Total interest expense | $8,319,000 | 1,839 |
| Net interest income | $8,719,000 | 1,961 |
| Provision for loan and lease losses | $1,103,000 | 888 |
| Total noninterest income | $847,000 | 3,474 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $537,000 | 2,392 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $310,000 | 3,951 |
| Total noninterest expense | $5,075,000 | 2,565 |
| Salaries and employee benefits | $2,470,000 | 2,751 |
| Premises and equipment expense | $937,000 | 2,078 |
| Additional noninterest expense | $1,668,000 | 2,499 |
| Pre-tax net operating income | $3,388,000 | 2,124 |
| Securities gains (losses) | $48,000 | 1,766 |
| Applicable income taxes | $1,261,000 | 1,899 |
| Income before extraordinary items | $2,175,000 | 2,370 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,175,000 | 2,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $493,000 | 1,265 |
| Cash dividends | $776,000 | 2,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,144,280 | 2,320 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,879,000 | 2,763 |
| Total interest expense | $5,795,000 | 2,578 |
| Net interest income | $6,084,000 | 2,866 |
| Provision for loan and lease losses | $1,026,000 | 971 |
| Total noninterest income | $724,000 | 3,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $494,000 | 2,659 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,605 |
| Total noninterest expense | $3,400,000 | 3,702 |
| Salaries and employee benefits | $1,687,000 | 3,855 |
| Premises and equipment expense | $659,000 | 2,899 |
| Additional noninterest expense | $1,054,000 | 3,715 |
| Pre-tax net operating income | $2,382,000 | 3,035 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $863,000 | 2,758 |
| Income before extraordinary items | $1,519,000 | 3,322 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,519,000 | 3,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,552 |
| Cash dividends | $288,000 | 4,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,519,000 | 3,245 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,561,000 | 4,250 |
| Total interest expense | $3,401,000 | 4,300 |
| Net interest income | $4,160,000 | 4,186 |
| Provision for loan and lease losses | $390,000 | 2,134 |
| Total noninterest income | $503,000 | 5,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 5,764 |
| Total noninterest expense | $2,406,000 | 5,173 |
| Salaries and employee benefits | $1,295,000 | 4,869 |
| Premises and equipment expense | $375,000 | 4,772 |
| Additional noninterest expense | $736,000 | 5,539 |
| Pre-tax net operating income | $1,867,000 | 3,606 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $633,000 | 3,423 |
| Income before extraordinary items | $1,248,000 | 3,753 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,248,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,600 |
| Cash dividends | $249,000 | 5,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,238,760 | 3,727 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,974,000 | 6,011 |
| Total interest expense | $2,103,000 | 6,258 |
| Net interest income | $2,871,000 | 5,703 |
| Provision for loan and lease losses | $215,000 | 2,872 |
| Total noninterest income | $472,000 | 5,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,723 |
| Total noninterest expense | $1,980,000 | 6,030 |
| Salaries and employee benefits | $1,019,000 | 5,964 |
| Premises and equipment expense | $285,000 | 5,860 |
| Additional noninterest expense | $676,000 | 6,016 |
| Pre-tax net operating income | $1,148,000 | 5,423 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $405,000 | 4,912 |
| Income before extraordinary items | $742,000 | 5,753 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $742,000 | 5,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,152 |
| Cash dividends | $186,000 | 5,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $742,650 | 5,733 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,992,000 | 8,060 |
| Total interest expense | $941,000 | 8,940 |
| Net interest income | $2,051,000 | 7,441 |
| Provision for loan and lease losses | $199,000 | 3,048 |
| Total noninterest income | $407,000 | 6,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,760 |
| Total noninterest expense | $1,470,000 | 7,694 |
| Salaries and employee benefits | $822,000 | 7,077 |
| Premises and equipment expense | $193,000 | 7,590 |
| Additional noninterest expense | $455,000 | 8,271 |
| Pre-tax net operating income | $789,000 | 6,927 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $261,000 | 6,379 |
| Income before extraordinary items | $542,000 | 6,985 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $542,000 | 6,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $143,000 | 6,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $532,620 | 7,099 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 10,400 |
| Total interest expense | $575,000 | 11,285 |
| Net interest income | $1,318,000 | 9,678 |
| Provision for loan and lease losses | $63,000 | 6,860 |
| Total noninterest income | $306,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $178,000 | 6,414 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 7,075 |
| Total noninterest expense | $1,160,000 | 9,065 |
| Salaries and employee benefits | $625,000 | 8,604 |
| Premises and equipment expense | $140,000 | 9,169 |
| Additional noninterest expense | $395,000 | 9,316 |
| Pre-tax net operating income | $401,000 | 9,408 |
| Securities gains (losses) | $69,000 | 2,994 |
| Applicable income taxes | $155,000 | 8,513 |
| Income before extraordinary items | $315,000 | 9,302 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $315,000 | 9,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $25,000 | 8,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $268,770 | 9,575 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,862,000 | 11,173 |
| Total interest expense | $706,000 | 11,780 |
| Net interest income | $1,156,000 | 10,494 |
| Provision for loan and lease losses | $27,000 | 10,147 |
| Total noninterest income | $196,000 | 9,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $982,000 | 10,059 |
| Salaries and employee benefits | $582,000 | 8,978 |
| Premises and equipment expense | $119,000 | 10,050 |
| Additional noninterest expense | $281,000 | 11,114 |
| Pre-tax net operating income | $343,000 | 9,757 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $116,000 | 9,484 |
| Income before extraordinary items | $231,000 | 10,166 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $231,000 | 10,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 7,980 |
| Cash dividends | $35,000 | 8,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $228,320 | 9,851 |
* 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.