Home > Champaign National Bank > Income and Expense
Champaign National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,129,000 | 2,189 |
| Total interest expense | $6,080,000 | 2,292 |
| Net interest income | $8,049,000 | 2,122 |
| Provision for loan and lease losses | $618,000 | 1,325 |
| Total noninterest income | $1,560,000 | 2,156 |
| Gross Fiduciary activities income | $277,000 | 657 |
| Service charges on deposit accounts | $987,000 | 1,336 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $296,000 | 3,760 |
| Total noninterest expense | $6,747,000 | 2,020 |
| Salaries and employee benefits | $3,499,000 | 2,156 |
| Premises and equipment expense | $1,285,000 | 1,546 |
| Additional noninterest expense | $1,963,000 | 2,050 |
| Pre-tax net operating income | $2,244,000 | 2,631 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $498,000 | 2,539 |
| Income before extraordinary items | $1,746,000 | 2,658 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,746,000 | 2,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-86,000 | 8,354 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,746,000 | 2,636 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,383,000 | 2,217 |
| Total interest expense | $4,027,000 | 2,316 |
| Net interest income | $5,356,000 | 2,153 |
| Provision for loan and lease losses | $598,000 | 894 |
| Total noninterest income | $1,006,000 | 2,242 |
| Gross Fiduciary activities income | $188,000 | 663 |
| Service charges on deposit accounts | $640,000 | 1,379 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $178,000 | 4,012 |
| Total noninterest expense | $4,595,000 | 2,015 |
| Salaries and employee benefits | $2,379,000 | 2,155 |
| Premises and equipment expense | $863,000 | 1,556 |
| Additional noninterest expense | $1,353,000 | 1,993 |
| Pre-tax net operating income | $1,169,000 | 3,164 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $180,000 | 3,397 |
| Income before extraordinary items | $989,000 | 3,061 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $989,000 | 3,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-174,000 | 8,511 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $989,000 | 3,044 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,697,000 | 2,218 |
| Total interest expense | $1,942,000 | 2,375 |
| Net interest income | $2,755,000 | 2,106 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $516,000 | 2,166 |
| Gross Fiduciary activities income | $102,000 | 652 |
| Service charges on deposit accounts | $317,000 | 1,354 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $97,000 | 3,813 |
| Total noninterest expense | $2,324,000 | 1,989 |
| Salaries and employee benefits | $1,206,000 | 2,128 |
| Premises and equipment expense | $440,000 | 1,525 |
| Additional noninterest expense | $678,000 | 1,950 |
| Pre-tax net operating income | $917,000 | 2,311 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $142,000 | 2,796 |
| Income before extraordinary items | $775,000 | 2,121 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $775,000 | 2,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-214,000 | 8,577 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $775,000 | 2,111 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,117,000 | 2,167 |
| Total interest expense | $6,548,000 | 2,407 |
| Net interest income | $11,569,000 | 2,004 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $2,727,000 | 1,766 |
| Gross Fiduciary activities income | $321,000 | 698 |
| Service charges on deposit accounts | $1,446,000 | 1,233 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $960,000 | 2,298 |
| Total noninterest expense | $9,720,000 | 1,836 |
| Salaries and employee benefits | $5,065,000 | 1,921 |
| Premises and equipment expense | $2,126,000 | 1,202 |
| Additional noninterest expense | $2,529,000 | 2,086 |
| Pre-tax net operating income | $4,576,000 | 2,027 |
| Securities gains (losses) | $26,000 | 838 |
| Applicable income taxes | $1,404,000 | 1,767 |
| Income before extraordinary items | $3,198,000 | 2,160 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,198,000 | 2,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $558,000 | 1,080 |
| Cash dividends | $4,420,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,180,060 | 2,164 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,448,000 | 2,176 |
| Total interest expense | $4,669,000 | 2,451 |
| Net interest income | $8,779,000 | 2,003 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,555,000 | 2,171 |
| Gross Fiduciary activities income | $189,000 | 746 |
| Service charges on deposit accounts | $1,094,000 | 1,225 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $272,000 | 3,928 |
| Total noninterest expense | $7,137,000 | 1,864 |
| Salaries and employee benefits | $3,755,000 | 1,939 |
| Premises and equipment expense | $1,483,000 | 1,317 |
| Additional noninterest expense | $1,899,000 | 2,071 |
| Pre-tax net operating income | $3,197,000 | 2,214 |
| Securities gains (losses) | $6,000 | 998 |
| Applicable income taxes | $972,000 | 1,922 |
| Income before extraordinary items | $2,231,000 | 2,372 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,231,000 | 2,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-349,000 | 8,683 |
| Cash dividends | $530,000 | 2,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,226,800 | 2,367 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,806,000 | 2,177 |
| Total interest expense | $2,894,000 | 2,509 |
| Net interest income | $5,912,000 | 1,979 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $987,000 | 2,246 |
| Gross Fiduciary activities income | $110,000 | 785 |
| Service charges on deposit accounts | $712,000 | 1,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $165,000 | 4,116 |
| Total noninterest expense | $4,770,000 | 1,859 |
| Salaries and employee benefits | $2,509,000 | 1,943 |
| Premises and equipment expense | $918,000 | 1,415 |
| Additional noninterest expense | $1,343,000 | 1,958 |
| Pre-tax net operating income | $2,129,000 | 2,205 |
| Securities gains (losses) | $6,000 | 812 |
| Applicable income taxes | $648,000 | 1,953 |
| Income before extraordinary items | $1,487,000 | 2,357 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,487,000 | 2,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-255,000 | 8,700 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,482,800 | 2,346 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,162,000 | 2,245 |
| Total interest expense | $1,355,000 | 2,537 |
| Net interest income | $2,807,000 | 2,071 |
| Provision for loan and lease losses | $49,000 | 3,187 |
| Total noninterest income | $444,000 | 2,372 |
| Gross Fiduciary activities income | $40,000 | 858 |
| Service charges on deposit accounts | $343,000 | 1,255 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $2,360,000 | 1,888 |
| Salaries and employee benefits | $1,230,000 | 1,993 |
| Premises and equipment expense | $464,000 | 1,401 |
| Additional noninterest expense | $666,000 | 1,954 |
| Pre-tax net operating income | $842,000 | 2,608 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $249,000 | 2,283 |
| Income before extraordinary items | $593,000 | 2,764 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $593,000 | 2,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,434 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $593,000 | 2,747 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,081,000 | 2,070 |
| Total interest expense | $4,752,000 | 2,302 |
| Net interest income | $11,329,000 | 1,965 |
| Provision for loan and lease losses | $4,740,000 | 253 |
| Total noninterest income | $2,135,000 | 2,107 |
| Gross Fiduciary activities income | $178,000 | 831 |
| Service charges on deposit accounts | $1,544,000 | 1,156 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $413,000 | 3,729 |
| Total noninterest expense | $8,904,000 | 1,890 |
| Salaries and employee benefits | $4,449,000 | 2,069 |
| Premises and equipment expense | $1,611,000 | 1,516 |
| Additional noninterest expense | $2,844,000 | 1,772 |
| Pre-tax net operating income | $-180,000 | 8,368 |
| Securities gains (losses) | $19,000 | 1,270 |
| Applicable income taxes | $-205,000 | 8,680 |
| Income before extraordinary items | $44,000 | 8,169 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $44,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,168,000 | 203 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $31,840 | 8,171 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,865,000 | 2,058 |
| Total interest expense | $3,464,000 | 2,241 |
| Net interest income | $8,401,000 | 1,967 |
| Provision for loan and lease losses | $4,615,000 | 202 |
| Total noninterest income | $1,583,000 | 2,121 |
| Gross Fiduciary activities income | $129,000 | 822 |
| Service charges on deposit accounts | $1,158,000 | 1,145 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $296,000 | 3,825 |
| Total noninterest expense | $6,517,000 | 1,922 |
| Salaries and employee benefits | $3,317,000 | 2,056 |
| Premises and equipment expense | $1,168,000 | 1,547 |
| Additional noninterest expense | $2,032,000 | 1,835 |
| Pre-tax net operating income | $-1,148,000 | 8,750 |
| Securities gains (losses) | $19,000 | 1,247 |
| Applicable income taxes | $-349,000 | 8,802 |
| Income before extraordinary items | $-780,000 | 8,710 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-780,000 | 8,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,939,000 | 172 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-793,110 | 8,691 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,959,000 | 1,990 |
| Total interest expense | $2,265,000 | 2,174 |
| Net interest income | $5,694,000 | 1,904 |
| Provision for loan and lease losses | $4,500,000 | 141 |
| Total noninterest income | $1,035,000 | 2,123 |
| Gross Fiduciary activities income | $92,000 | 820 |
| Service charges on deposit accounts | $759,000 | 1,131 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $184,000 | 3,908 |
| Total noninterest expense | $4,363,000 | 1,897 |
| Salaries and employee benefits | $2,191,000 | 2,068 |
| Premises and equipment expense | $789,000 | 1,529 |
| Additional noninterest expense | $1,383,000 | 1,782 |
| Pre-tax net operating income | $-2,134,000 | 8,841 |
| Securities gains (losses) | $16,000 | 1,180 |
| Applicable income taxes | $-568,000 | 8,836 |
| Income before extraordinary items | $-1,550,000 | 8,840 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,550,000 | 8,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,481,000 | 132 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-1,561,680 | 8,825 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,914,000 | 1,987 |
| Total interest expense | $1,103,000 | 2,131 |
| Net interest income | $2,811,000 | 1,914 |
| Provision for loan and lease losses | $4,500,000 | 89 |
| Total noninterest income | $502,000 | 2,127 |
| Gross Fiduciary activities income | $56,000 | 780 |
| Service charges on deposit accounts | $361,000 | 1,144 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,053 |
| Total noninterest expense | $2,094,000 | 1,978 |
| Salaries and employee benefits | $1,076,000 | 2,120 |
| Premises and equipment expense | $400,000 | 1,510 |
| Additional noninterest expense | $618,000 | 1,984 |
| Pre-tax net operating income | $-3,281,000 | 8,925 |
| Securities gains (losses) | $17,000 | 846 |
| Applicable income taxes | $-825,000 | 8,920 |
| Income before extraordinary items | $-2,439,000 | 8,921 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-2,439,000 | 8,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,583,000 | 97 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-2,451,750 | 8,911 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,652,000 | 1,828 |
| Total interest expense | $3,805,000 | 2,137 |
| Net interest income | $11,847,000 | 1,707 |
| Provision for loan and lease losses | $985,000 | 1,050 |
| Total noninterest income | $2,165,000 | 2,086 |
| Gross Fiduciary activities income | $152,000 | 854 |
| Service charges on deposit accounts | $1,632,000 | 1,098 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $381,000 | 3,799 |
| Total noninterest expense | $12,542,000 | 1,311 |
| Salaries and employee benefits | $4,248,000 | 2,057 |
| Premises and equipment expense | $1,400,000 | 1,665 |
| Additional noninterest expense | $6,894,000 | 744 |
| Pre-tax net operating income | $485,000 | 6,754 |
| Securities gains (losses) | $10,000 | 2,824 |
| Applicable income taxes | $19,000 | 6,562 |
| Income before extraordinary items | $476,000 | 6,450 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $476,000 | 6,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $737,000 | 961 |
| Cash dividends | $1,500,000 | 1,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $466,400 | 6,426 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,678,000 | 1,818 |
| Total interest expense | $2,775,000 | 2,153 |
| Net interest income | $8,903,000 | 1,692 |
| Provision for loan and lease losses | $556,000 | 1,319 |
| Total noninterest income | $1,606,000 | 2,111 |
| Gross Fiduciary activities income | $92,000 | 895 |
| Service charges on deposit accounts | $1,224,000 | 1,096 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $290,000 | 3,788 |
| Total noninterest expense | $6,191,000 | 1,936 |
| Salaries and employee benefits | $3,360,000 | 1,942 |
| Premises and equipment expense | $1,011,000 | 1,720 |
| Additional noninterest expense | $1,820,000 | 1,975 |
| Pre-tax net operating income | $3,762,000 | 1,709 |
| Securities gains (losses) | $10,000 | 2,712 |
| Applicable income taxes | $1,165,000 | 1,575 |
| Income before extraordinary items | $2,607,000 | 1,833 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,607,000 | 1,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 1,811 |
| Cash dividends | $1,000,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,600,100 | 1,791 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,833,000 | 1,793 |
| Total interest expense | $1,830,000 | 2,151 |
| Net interest income | $6,003,000 | 1,673 |
| Provision for loan and lease losses | $398,000 | 1,244 |
| Total noninterest income | $1,078,000 | 2,083 |
| Gross Fiduciary activities income | $63,000 | 897 |
| Service charges on deposit accounts | $810,000 | 1,092 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $205,000 | 3,684 |
| Total noninterest expense | $4,128,000 | 1,938 |
| Salaries and employee benefits | $2,228,000 | 1,960 |
| Premises and equipment expense | $690,000 | 1,671 |
| Additional noninterest expense | $1,210,000 | 1,978 |
| Pre-tax net operating income | $2,555,000 | 1,654 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $791,000 | 1,543 |
| Income before extraordinary items | $1,764,000 | 1,797 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,764,000 | 1,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 1,577 |
| Cash dividends | $1,000,000 | 1,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,764,000 | 1,741 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,992,000 | 1,763 |
| Total interest expense | $943,000 | 2,121 |
| Net interest income | $3,049,000 | 1,636 |
| Provision for loan and lease losses | $222,000 | 1,075 |
| Total noninterest income | $509,000 | 2,131 |
| Gross Fiduciary activities income | $21,000 | 992 |
| Service charges on deposit accounts | $396,000 | 1,078 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $92,000 | 3,884 |
| Total noninterest expense | $2,084,000 | 1,926 |
| Salaries and employee benefits | $1,093,000 | 2,012 |
| Premises and equipment expense | $340,000 | 1,711 |
| Additional noninterest expense | $651,000 | 1,821 |
| Pre-tax net operating income | $1,252,000 | 1,660 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $385,000 | 1,613 |
| Income before extraordinary items | $867,000 | 1,809 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $867,000 | 1,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,181 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $867,000 | 1,726 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,685,000 | 1,813 |
| Total interest expense | $4,412,000 | 2,022 |
| Net interest income | $11,273,000 | 1,717 |
| Provision for loan and lease losses | $579,000 | 1,940 |
| Total noninterest income | $2,281,000 | 2,106 |
| Gross Fiduciary activities income | $29,000 | 1,184 |
| Service charges on deposit accounts | $1,478,000 | 1,173 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $774,000 | 2,795 |
| Total noninterest expense | $7,955,000 | 1,990 |
| Salaries and employee benefits | $4,381,000 | 1,966 |
| Premises and equipment expense | $1,173,000 | 1,946 |
| Additional noninterest expense | $2,401,000 | 2,003 |
| Pre-tax net operating income | $5,020,000 | 1,617 |
| Securities gains (losses) | $49,000 | 2,531 |
| Applicable income taxes | $1,564,000 | 1,566 |
| Income before extraordinary items | $3,505,000 | 1,775 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,505,000 | 1,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $695,000 | 1,236 |
| Cash dividends | $1,500,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,471,190 | 1,713 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,014,000 | 1,807 |
| Total interest expense | $3,415,000 | 2,040 |
| Net interest income | $8,599,000 | 1,703 |
| Provision for loan and lease losses | $325,000 | 2,361 |
| Total noninterest income | $1,788,000 | 2,076 |
| Gross Fiduciary activities income | $18,000 | 1,197 |
| Service charges on deposit accounts | $1,107,000 | 1,186 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $663,000 | 2,664 |
| Total noninterest expense | $6,101,000 | 1,958 |
| Salaries and employee benefits | $3,397,000 | 1,900 |
| Premises and equipment expense | $884,000 | 1,937 |
| Additional noninterest expense | $1,820,000 | 1,969 |
| Pre-tax net operating income | $3,961,000 | 1,594 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,227,000 | 1,584 |
| Income before extraordinary items | $2,734,000 | 1,759 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,734,000 | 1,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,579 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,734,000 | 1,667 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,210,000 | 1,780 |
| Total interest expense | $2,336,000 | 2,058 |
| Net interest income | $5,874,000 | 1,662 |
| Provision for loan and lease losses | $275,000 | 1,970 |
| Total noninterest income | $1,195,000 | 2,068 |
| Gross Fiduciary activities income | $9,000 | 1,239 |
| Service charges on deposit accounts | $740,000 | 1,157 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $446,000 | 2,623 |
| Total noninterest expense | $4,134,000 | 1,913 |
| Salaries and employee benefits | $2,294,000 | 1,867 |
| Premises and equipment expense | $620,000 | 1,843 |
| Additional noninterest expense | $1,220,000 | 1,957 |
| Pre-tax net operating income | $2,660,000 | 1,579 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $827,000 | 1,579 |
| Income before extraordinary items | $1,833,000 | 1,769 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,833,000 | 1,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 1,336 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,833,000 | 1,652 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,200,000 | 1,755 |
| Total interest expense | $1,173,000 | 2,094 |
| Net interest income | $3,027,000 | 1,616 |
| Provision for loan and lease losses | $140,000 | 1,874 |
| Total noninterest income | $481,000 | 2,351 |
| Gross Fiduciary activities income | $4,000 | 1,265 |
| Service charges on deposit accounts | $353,000 | 1,177 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $124,000 | 3,547 |
| Total noninterest expense | $2,059,000 | 1,904 |
| Salaries and employee benefits | $1,140,000 | 1,870 |
| Premises and equipment expense | $307,000 | 1,859 |
| Additional noninterest expense | $612,000 | 1,919 |
| Pre-tax net operating income | $1,309,000 | 1,608 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $408,000 | 1,593 |
| Income before extraordinary items | $901,000 | 1,766 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $901,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,410 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $901,000 | 1,651 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,465,000 | 1,872 |
| Total interest expense | $5,171,000 | 2,167 |
| Net interest income | $11,294,000 | 1,713 |
| Provision for loan and lease losses | $650,000 | 1,938 |
| Total noninterest income | $2,092,000 | 2,059 |
| Gross Fiduciary activities income | $47,000 | 1,119 |
| Service charges on deposit accounts | $1,337,000 | 1,213 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $708,000 | 2,688 |
| Total noninterest expense | $7,436,000 | 2,025 |
| Salaries and employee benefits | $3,933,000 | 2,032 |
| Premises and equipment expense | $1,107,000 | 1,989 |
| Additional noninterest expense | $2,396,000 | 1,934 |
| Pre-tax net operating income | $5,300,000 | 1,546 |
| Securities gains (losses) | $-9,000 | 8,892 |
| Applicable income taxes | $1,662,000 | 1,510 |
| Income before extraordinary items | $3,629,000 | 1,645 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,629,000 | 1,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 2,500 |
| Cash dividends | $1,500,000 | 1,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,635,210 | 1,596 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,369,000 | 1,968 |
| Total interest expense | $7,886,000 | 2,047 |
| Net interest income | $9,483,000 | 1,876 |
| Provision for loan and lease losses | $409,000 | 2,579 |
| Total noninterest income | $1,840,000 | 2,150 |
| Gross Fiduciary activities income | $64,000 | 1,090 |
| Service charges on deposit accounts | $1,185,000 | 1,261 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $591,000 | 2,853 |
| Total noninterest expense | $6,376,000 | 2,246 |
| Salaries and employee benefits | $3,194,000 | 2,353 |
| Premises and equipment expense | $928,000 | 2,302 |
| Additional noninterest expense | $2,254,000 | 1,997 |
| Pre-tax net operating income | $4,538,000 | 1,582 |
| Securities gains (losses) | $37,000 | 2,648 |
| Applicable income taxes | $1,413,000 | 1,579 |
| Income before extraordinary items | $3,162,000 | 1,659 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,162,000 | 1,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,657 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,136,470 | 1,610 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,083,000 | 1,944 |
| Total interest expense | $8,736,000 | 1,977 |
| Net interest income | $9,347,000 | 1,885 |
| Provision for loan and lease losses | $619,000 | 1,568 |
| Total noninterest income | $1,448,000 | 2,414 |
| Gross Fiduciary activities income | $137,000 | 872 |
| Service charges on deposit accounts | $1,073,000 | 1,262 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $238,000 | 4,393 |
| Total noninterest expense | $5,835,000 | 2,343 |
| Salaries and employee benefits | $2,980,000 | 2,406 |
| Premises and equipment expense | $915,000 | 2,252 |
| Additional noninterest expense | $1,940,000 | 2,233 |
| Pre-tax net operating income | $4,341,000 | 1,690 |
| Securities gains (losses) | $-28,000 | 8,903 |
| Applicable income taxes | $1,338,000 | 1,660 |
| Income before extraordinary items | $2,975,000 | 1,762 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,975,000 | 1,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $564,000 | 1,133 |
| Cash dividends | $1,500,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,994,320 | 1,750 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,440,000 | 2,257 |
| Total interest expense | $6,430,000 | 2,291 |
| Net interest income | $8,010,000 | 2,190 |
| Provision for loan and lease losses | $445,000 | 1,939 |
| Total noninterest income | $1,388,000 | 2,417 |
| Gross Fiduciary activities income | $126,000 | 952 |
| Service charges on deposit accounts | $997,000 | 1,315 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $265,000 | 4,313 |
| Total noninterest expense | $5,257,000 | 2,572 |
| Salaries and employee benefits | $2,680,000 | 2,639 |
| Premises and equipment expense | $814,000 | 2,495 |
| Additional noninterest expense | $1,763,000 | 2,465 |
| Pre-tax net operating income | $3,696,000 | 1,989 |
| Securities gains (losses) | $43,000 | 1,044 |
| Applicable income taxes | $1,144,000 | 1,998 |
| Income before extraordinary items | $2,595,000 | 2,040 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,595,000 | 2,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,946 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,565,330 | 2,026 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,511,000 | 2,615 |
| Total interest expense | $5,627,000 | 2,691 |
| Net interest income | $6,884,000 | 2,462 |
| Provision for loan and lease losses | $365,000 | 2,219 |
| Total noninterest income | $1,392,000 | 2,404 |
| Gross Fiduciary activities income | $106,000 | 997 |
| Service charges on deposit accounts | $976,000 | 1,280 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $310,000 | 3,951 |
| Total noninterest expense | $4,747,000 | 2,741 |
| Salaries and employee benefits | $2,439,000 | 2,788 |
| Premises and equipment expense | $700,000 | 2,772 |
| Additional noninterest expense | $1,608,000 | 2,612 |
| Pre-tax net operating income | $3,164,000 | 2,260 |
| Securities gains (losses) | $-5,000 | 10,072 |
| Applicable income taxes | $946,000 | 2,409 |
| Income before extraordinary items | $2,213,000 | 2,332 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,213,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $750,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,216,500 | 2,253 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,177,000 | 2,918 |
| Total interest expense | $4,945,000 | 3,013 |
| Net interest income | $6,232,000 | 2,805 |
| Provision for loan and lease losses | $215,000 | 3,285 |
| Total noninterest income | $1,347,000 | 2,404 |
| Gross Fiduciary activities income | $69,000 | 1,116 |
| Service charges on deposit accounts | $946,000 | 1,356 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $332,000 | 3,696 |
| Total noninterest expense | $4,761,000 | 2,692 |
| Salaries and employee benefits | $2,531,000 | 2,607 |
| Premises and equipment expense | $637,000 | 2,988 |
| Additional noninterest expense | $1,593,000 | 2,580 |
| Pre-tax net operating income | $2,603,000 | 2,816 |
| Securities gains (losses) | $-17,000 | 10,300 |
| Applicable income taxes | $766,000 | 3,026 |
| Income before extraordinary items | $1,820,000 | 2,802 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,820,000 | 2,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,573 |
| Cash dividends | $2,000,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,831,900 | 2,739 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,273,000 | 3,200 |
| Total interest expense | $4,566,000 | 3,280 |
| Net interest income | $5,707,000 | 3,100 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $1,282,000 | 2,565 |
| Gross Fiduciary activities income | $49,000 | 1,238 |
| Service charges on deposit accounts | $898,000 | 1,496 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $335,000 | 3,808 |
| Total noninterest expense | $4,783,000 | 2,856 |
| Salaries and employee benefits | $2,551,000 | 2,632 |
| Premises and equipment expense | $622,000 | 3,104 |
| Additional noninterest expense | $1,610,000 | 2,942 |
| Pre-tax net operating income | $2,146,000 | 3,225 |
| Securities gains (losses) | $-18,000 | 10,586 |
| Applicable income taxes | $684,000 | 3,230 |
| Income before extraordinary items | $1,444,000 | 3,320 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,444,000 | 3,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,120 |
| Cash dividends | $800,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,456,240 | 3,252 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,741,000 | 3,361 |
| Total interest expense | $4,500,000 | 3,305 |
| Net interest income | $5,241,000 | 3,382 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $1,248,000 | 2,628 |
| Gross Fiduciary activities income | $67,000 | 1,241 |
| Service charges on deposit accounts | $915,000 | 1,495 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $266,000 | 4,316 |
| Total noninterest expense | $4,427,000 | 3,026 |
| Salaries and employee benefits | $2,286,000 | 2,920 |
| Premises and equipment expense | $527,000 | 3,590 |
| Additional noninterest expense | $1,614,000 | 2,892 |
| Pre-tax net operating income | $1,912,000 | 3,636 |
| Securities gains (losses) | $27,000 | 1,701 |
| Applicable income taxes | $647,000 | 3,460 |
| Income before extraordinary items | $1,292,000 | 3,706 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,292,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,655 |
| Cash dividends | $750,000 | 2,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,273,910 | 3,727 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,589,000 | 3,154 |
| Total interest expense | $4,081,000 | 2,981 |
| Net interest income | $5,508,000 | 3,244 |
| Provision for loan and lease losses | $380,000 | 1,889 |
| Total noninterest income | $1,099,000 | 2,906 |
| Gross Fiduciary activities income | $53,000 | 1,293 |
| Service charges on deposit accounts | $782,000 | 1,730 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $264,000 | 4,440 |
| Total noninterest expense | $4,505,000 | 3,054 |
| Salaries and employee benefits | $2,128,000 | 3,100 |
| Premises and equipment expense | $550,000 | 3,511 |
| Additional noninterest expense | $1,827,000 | 2,790 |
| Pre-tax net operating income | $1,722,000 | 3,920 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $574,000 | 3,642 |
| Income before extraordinary items | $1,162,000 | 3,979 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,162,000 | 3,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 1,887 |
| Cash dividends | $1,234,000 | 1,611 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 894 |
| Net operating income | $1,152,620 | 4,046 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,550,000 | 3,243 |
| Total interest expense | $3,921,000 | 3,220 |
| Net interest income | $5,629,000 | 3,206 |
| Provision for loan and lease losses | $351,000 | 2,700 |
| Total noninterest income | $1,011,000 | 3,313 |
| Gross Fiduciary activities income | $56,000 | 1,320 |
| Service charges on deposit accounts | $726,000 | 1,883 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $229,000 | 5,260 |
| Total noninterest expense | $4,499,000 | 3,119 |
| Salaries and employee benefits | $2,128,000 | 3,082 |
| Premises and equipment expense | $541,000 | 3,625 |
| Additional noninterest expense | $1,830,000 | 2,949 |
| Pre-tax net operating income | $1,790,000 | 3,695 |
| Securities gains (losses) | $80,000 | 2,797 |
| Applicable income taxes | $653,000 | 3,332 |
| Income before extraordinary items | $1,217,000 | 3,964 |
| Extraordinary gains, net | $23,000 | 2,642 |
| Net income | $1,240,000 | 3,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 2,475 |
| Cash dividends | $307,000 | 4,315 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 979 |
| Net operating income | $1,165,000 | 3,926 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,640,000 | 3,291 |
| Total interest expense | $4,959,000 | 3,333 |
| Net interest income | $5,681,000 | 3,223 |
| Provision for loan and lease losses | $504,000 | 2,980 |
| Total noninterest income | $823,000 | 3,893 |
| Gross Fiduciary activities income | $29,000 | 1,439 |
| Service charges on deposit accounts | $579,000 | 2,381 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $215,000 | 5,429 |
| Total noninterest expense | $4,221,000 | 3,337 |
| Salaries and employee benefits | $2,026,000 | 3,180 |
| Premises and equipment expense | $471,000 | 4,188 |
| Additional noninterest expense | $1,724,000 | 3,172 |
| Pre-tax net operating income | $1,779,000 | 3,474 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $565,000 | 3,605 |
| Income before extraordinary items | $1,227,000 | 3,724 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,227,000 | 3,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $422,000 | 2,734 |
| Cash dividends | $298,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 949 |
| Net operating income | $1,218,160 | 3,477 |
* 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.