Home > Cohutta Banking Company > Income and Expense
Cohutta Banking Company, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,265,000 | 2,619 |
| Total interest expense | $2,731,000 | 2,947 |
| Net interest income | $4,534,000 | 2,410 |
| Provision for loan and lease losses | $-326,000 | 8,436 |
| Total noninterest income | $1,212,000 | 1,938 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $705,000 | 1,261 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $507,000 | 2,217 |
| Total noninterest expense | $4,024,000 | 2,366 |
| Salaries and employee benefits | $2,196,000 | 2,355 |
| Premises and equipment expense | $528,000 | 2,519 |
| Additional noninterest expense | $1,300,000 | 2,178 |
| Pre-tax net operating income | $2,048,000 | 1,661 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $762,000 | 1,162 |
| Income before extraordinary items | $1,286,000 | 2,060 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,286,000 | 2,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,257 |
| Cash dividends | $1,213,000 | 1,194 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 795 |
| Net operating income | $1,286,000 | 2,012 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,790,000 | 2,593 |
| Total interest expense | $1,499,000 | 2,892 |
| Net interest income | $2,291,000 | 2,389 |
| Provision for loan and lease losses | $-89,000 | 8,448 |
| Total noninterest income | $630,000 | 1,885 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $367,000 | 1,200 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $263,000 | 2,143 |
| Total noninterest expense | $2,062,000 | 2,307 |
| Salaries and employee benefits | $1,147,000 | 2,294 |
| Premises and equipment expense | $269,000 | 2,503 |
| Additional noninterest expense | $646,000 | 2,162 |
| Pre-tax net operating income | $948,000 | 1,881 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $352,000 | 1,309 |
| Income before extraordinary items | $596,000 | 2,323 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $596,000 | 2,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,036 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 686 |
| Net operating income | $596,000 | 2,250 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,549,000 | 2,349 |
| Total interest expense | $7,522,000 | 2,454 |
| Net interest income | $10,027,000 | 2,238 |
| Provision for loan and lease losses | $63,000 | 5,428 |
| Total noninterest income | $2,336,000 | 1,984 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,598,000 | 1,110 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $738,000 | 2,678 |
| Total noninterest expense | $8,176,000 | 2,238 |
| Salaries and employee benefits | $4,502,000 | 2,236 |
| Premises and equipment expense | $1,063,000 | 2,438 |
| Additional noninterest expense | $2,611,000 | 2,097 |
| Pre-tax net operating income | $4,124,000 | 1,933 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,492,000 | 1,422 |
| Income before extraordinary items | $2,632,000 | 2,259 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,632,000 | 2,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,018 |
| Cash dividends | $2,828,000 | 1,251 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 967 |
| Net operating income | $2,632,000 | 2,245 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,260,000 | 2,341 |
| Total interest expense | $5,699,000 | 2,426 |
| Net interest income | $7,561,000 | 2,248 |
| Provision for loan and lease losses | $267,000 | 2,507 |
| Total noninterest income | $1,681,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,189,000 | 1,107 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $492,000 | 2,875 |
| Total noninterest expense | $6,135,000 | 2,212 |
| Salaries and employee benefits | $3,370,000 | 2,237 |
| Premises and equipment expense | $808,000 | 2,395 |
| Additional noninterest expense | $1,957,000 | 2,054 |
| Pre-tax net operating income | $2,840,000 | 2,210 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,040,000 | 1,599 |
| Income before extraordinary items | $1,800,000 | 2,590 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,800,000 | 2,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 7,995 |
| Cash dividends | $1,817,000 | 1,313 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 841 |
| Net operating income | $1,800,000 | 2,570 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,783,000 | 2,372 |
| Total interest expense | $3,729,000 | 2,467 |
| Net interest income | $5,054,000 | 2,273 |
| Provision for loan and lease losses | $444,000 | 1,145 |
| Total noninterest income | $1,114,000 | 2,073 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $776,000 | 1,137 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $338,000 | 2,834 |
| Total noninterest expense | $4,060,000 | 2,249 |
| Salaries and employee benefits | $2,215,000 | 2,300 |
| Premises and equipment expense | $530,000 | 2,438 |
| Additional noninterest expense | $1,315,000 | 2,048 |
| Pre-tax net operating income | $1,664,000 | 2,499 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $606,000 | 1,830 |
| Income before extraordinary items | $1,058,000 | 2,911 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,058,000 | 2,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,022 |
| Cash dividends | $917,000 | 1,645 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 748 |
| Net operating income | $1,058,000 | 2,894 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,307,000 | 2,407 |
| Total interest expense | $1,796,000 | 2,549 |
| Net interest income | $2,511,000 | 2,287 |
| Provision for loan and lease losses | $120,000 | 1,752 |
| Total noninterest income | $461,000 | 2,330 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $357,000 | 1,214 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $104,000 | 3,699 |
| Total noninterest expense | $2,032,000 | 2,264 |
| Salaries and employee benefits | $1,102,000 | 2,331 |
| Premises and equipment expense | $250,000 | 2,587 |
| Additional noninterest expense | $680,000 | 1,946 |
| Pre-tax net operating income | $820,000 | 2,523 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $298,000 | 1,864 |
| Income before extraordinary items | $522,000 | 2,927 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $522,000 | 2,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,219 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 574 |
| Net operating income | $522,000 | 2,913 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,055,000 | 2,414 |
| Total interest expense | $5,694,000 | 2,707 |
| Net interest income | $10,361,000 | 2,229 |
| Provision for loan and lease losses | $1,380,000 | 755 |
| Total noninterest income | $2,077,000 | 2,163 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,495,000 | 1,189 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $582,000 | 3,074 |
| Total noninterest expense | $7,931,000 | 2,226 |
| Salaries and employee benefits | $4,356,000 | 2,244 |
| Premises and equipment expense | $999,000 | 2,480 |
| Additional noninterest expense | $2,576,000 | 2,051 |
| Pre-tax net operating income | $3,127,000 | 2,701 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,120,000 | 2,046 |
| Income before extraordinary items | $2,007,000 | 3,098 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,007,000 | 3,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,416,000 | 516 |
| Cash dividends | $4,115,000 | 844 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 919 |
| Net operating income | $2,007,000 | 3,085 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,876,000 | 2,430 |
| Total interest expense | $4,068,000 | 2,735 |
| Net interest income | $7,808,000 | 2,236 |
| Provision for loan and lease losses | $1,090,000 | 702 |
| Total noninterest income | $1,638,000 | 2,097 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,162,000 | 1,150 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $476,000 | 2,931 |
| Total noninterest expense | $5,968,000 | 2,212 |
| Salaries and employee benefits | $3,330,000 | 2,209 |
| Premises and equipment expense | $696,000 | 2,653 |
| Additional noninterest expense | $1,942,000 | 2,019 |
| Pre-tax net operating income | $2,388,000 | 2,760 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $843,000 | 2,126 |
| Income before extraordinary items | $1,545,000 | 3,143 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,545,000 | 3,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,222,000 | 393 |
| Cash dividends | $4,115,000 | 616 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 791 |
| Net operating income | $1,545,000 | 3,133 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,746,000 | 2,439 |
| Total interest expense | $2,523,000 | 2,795 |
| Net interest income | $5,223,000 | 2,239 |
| Provision for loan and lease losses | $140,000 | 2,761 |
| Total noninterest income | $1,165,000 | 1,995 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $763,000 | 1,158 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $402,000 | 2,553 |
| Total noninterest expense | $4,006,000 | 2,206 |
| Salaries and employee benefits | $2,224,000 | 2,210 |
| Premises and equipment expense | $485,000 | 2,554 |
| Additional noninterest expense | $1,297,000 | 2,027 |
| Pre-tax net operating income | $2,242,000 | 2,121 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $809,000 | 1,651 |
| Income before extraordinary items | $1,433,000 | 2,429 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,433,000 | 2,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,108 |
| Cash dividends | $785,000 | 1,756 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 650 |
| Net operating income | $1,433,000 | 2,412 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 2,460 |
| Total interest expense | $1,162,000 | 2,875 |
| Net interest income | $2,594,000 | 2,242 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $598,000 | 1,942 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $358,000 | 1,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $240,000 | 2,242 |
| Total noninterest expense | $2,055,000 | 2,157 |
| Salaries and employee benefits | $1,114,000 | 2,213 |
| Premises and equipment expense | $241,000 | 2,538 |
| Additional noninterest expense | $700,000 | 1,863 |
| Pre-tax net operating income | $1,117,000 | 2,095 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $406,000 | 1,640 |
| Income before extraordinary items | $711,000 | 2,415 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $711,000 | 2,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 1,422 |
| Cash dividends | $785,000 | 933 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 455 |
| Net operating income | $711,000 | 2,390 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,497,000 | 2,281 |
| Total interest expense | $3,837,000 | 2,742 |
| Net interest income | $10,660,000 | 2,079 |
| Provision for loan and lease losses | $-117,000 | 8,647 |
| Total noninterest income | $2,268,000 | 2,025 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,629,000 | 1,088 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $639,000 | 2,946 |
| Total noninterest expense | $7,255,000 | 2,306 |
| Salaries and employee benefits | $3,866,000 | 2,366 |
| Premises and equipment expense | $828,000 | 2,807 |
| Additional noninterest expense | $2,561,000 | 1,971 |
| Pre-tax net operating income | $5,790,000 | 1,625 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,128,000 | 1,286 |
| Income before extraordinary items | $3,662,000 | 1,878 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,662,000 | 1,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,196 |
| Cash dividends | $3,141,000 | 991 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,662,000 | 1,856 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,780,000 | 2,250 |
| Total interest expense | $2,746,000 | 2,721 |
| Net interest income | $8,034,000 | 2,059 |
| Provision for loan and lease losses | $10,000 | 6,490 |
| Total noninterest income | $1,755,000 | 1,969 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,226,000 | 1,081 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $529,000 | 2,771 |
| Total noninterest expense | $5,382,000 | 2,302 |
| Salaries and employee benefits | $2,866,000 | 2,359 |
| Premises and equipment expense | $634,000 | 2,727 |
| Additional noninterest expense | $1,882,000 | 1,980 |
| Pre-tax net operating income | $4,397,000 | 1,623 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,621,000 | 1,296 |
| Income before extraordinary items | $2,776,000 | 1,888 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,776,000 | 1,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,647 |
| Cash dividends | $2,277,000 | 950 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,776,000 | 1,848 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,115,000 | 2,215 |
| Total interest expense | $1,752,000 | 2,679 |
| Net interest income | $5,363,000 | 2,030 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,166,000 | 1,961 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $820,000 | 1,049 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $346,000 | 2,798 |
| Total noninterest expense | $3,558,000 | 2,315 |
| Salaries and employee benefits | $1,895,000 | 2,362 |
| Premises and equipment expense | $428,000 | 2,676 |
| Additional noninterest expense | $1,235,000 | 1,987 |
| Pre-tax net operating income | $2,971,000 | 1,565 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,087,000 | 1,274 |
| Income before extraordinary items | $1,884,000 | 1,810 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,884,000 | 1,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 1,197 |
| Cash dividends | $1,413,000 | 990 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,884,000 | 1,775 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,599,000 | 2,152 |
| Total interest expense | $886,000 | 2,574 |
| Net interest income | $2,713,000 | 1,981 |
| Provision for loan and lease losses | $-41,000 | 8,791 |
| Total noninterest income | $531,000 | 2,052 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $396,000 | 1,050 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $135,000 | 3,174 |
| Total noninterest expense | $1,803,000 | 2,304 |
| Salaries and employee benefits | $974,000 | 2,334 |
| Premises and equipment expense | $222,000 | 2,619 |
| Additional noninterest expense | $607,000 | 2,016 |
| Pre-tax net operating income | $1,482,000 | 1,532 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $538,000 | 1,262 |
| Income before extraordinary items | $944,000 | 1,789 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $944,000 | 1,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 866 |
| Cash dividends | $549,000 | 1,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $944,000 | 1,747 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,727,000 | 2,070 |
| Total interest expense | $3,037,000 | 2,607 |
| Net interest income | $10,690,000 | 1,900 |
| Provision for loan and lease losses | $647,000 | 1,553 |
| Total noninterest income | $1,993,000 | 2,204 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,561,000 | 1,142 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $432,000 | 3,574 |
| Total noninterest expense | $7,271,000 | 2,192 |
| Salaries and employee benefits | $3,866,000 | 2,254 |
| Premises and equipment expense | $883,000 | 2,565 |
| Additional noninterest expense | $2,522,000 | 1,931 |
| Pre-tax net operating income | $4,765,000 | 1,770 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,693,000 | 1,463 |
| Income before extraordinary items | $3,072,000 | 2,035 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,072,000 | 2,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $419,000 | 1,545 |
| Cash dividends | $1,859,000 | 1,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,072,000 | 1,988 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,138,000 | 2,074 |
| Total interest expense | $2,200,000 | 2,633 |
| Net interest income | $7,938,000 | 1,899 |
| Provision for loan and lease losses | $612,000 | 1,215 |
| Total noninterest income | $1,404,000 | 2,312 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,151,000 | 1,161 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $253,000 | 4,046 |
| Total noninterest expense | $5,433,000 | 2,183 |
| Salaries and employee benefits | $2,901,000 | 2,230 |
| Premises and equipment expense | $666,000 | 2,542 |
| Additional noninterest expense | $1,866,000 | 1,927 |
| Pre-tax net operating income | $3,297,000 | 1,900 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,165,000 | 1,575 |
| Income before extraordinary items | $2,132,000 | 2,194 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,132,000 | 2,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 1,161 |
| Cash dividends | $1,581,000 | 1,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,132,000 | 2,141 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,635,000 | 2,109 |
| Total interest expense | $1,425,000 | 2,682 |
| Net interest income | $5,212,000 | 1,908 |
| Provision for loan and lease losses | $570,000 | 885 |
| Total noninterest income | $887,000 | 2,404 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $759,000 | 1,160 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $128,000 | 4,639 |
| Total noninterest expense | $3,614,000 | 2,190 |
| Salaries and employee benefits | $1,938,000 | 2,233 |
| Premises and equipment expense | $439,000 | 2,560 |
| Additional noninterest expense | $1,237,000 | 1,928 |
| Pre-tax net operating income | $1,915,000 | 2,121 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $666,000 | 1,774 |
| Income before extraordinary items | $1,249,000 | 2,436 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,249,000 | 2,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 969 |
| Cash dividends | $967,000 | 1,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,249,000 | 2,370 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,251,000 | 2,150 |
| Total interest expense | $709,000 | 2,716 |
| Net interest income | $2,542,000 | 1,969 |
| Provision for loan and lease losses | $399,000 | 631 |
| Total noninterest income | $426,000 | 2,429 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $350,000 | 1,219 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $76,000 | 4,277 |
| Total noninterest expense | $1,796,000 | 2,225 |
| Salaries and employee benefits | $972,000 | 2,255 |
| Premises and equipment expense | $208,000 | 2,710 |
| Additional noninterest expense | $616,000 | 1,930 |
| Pre-tax net operating income | $773,000 | 2,491 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $255,000 | 2,166 |
| Income before extraordinary items | $518,000 | 2,854 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $518,000 | 2,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 600 |
| Cash dividends | $353,000 | 1,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $518,000 | 2,760 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,999,000 | 2,199 |
| Total interest expense | $3,278,000 | 2,645 |
| Net interest income | $9,721,000 | 2,018 |
| Provision for loan and lease losses | $249,000 | 3,565 |
| Total noninterest income | $1,489,000 | 2,858 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,220,000 | 1,421 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $269,000 | 4,711 |
| Total noninterest expense | $6,892,000 | 2,287 |
| Salaries and employee benefits | $3,547,000 | 2,380 |
| Premises and equipment expense | $827,000 | 2,672 |
| Additional noninterest expense | $2,518,000 | 1,911 |
| Pre-tax net operating income | $4,069,000 | 1,951 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,439,000 | 1,678 |
| Income before extraordinary items | $2,630,000 | 2,276 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,630,000 | 2,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,648 |
| Cash dividends | $951,000 | 2,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,630,000 | 2,177 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,676,000 | 2,252 |
| Total interest expense | $2,560,000 | 2,631 |
| Net interest income | $7,116,000 | 2,073 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $1,074,000 | 2,985 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $870,000 | 1,500 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $204,000 | 4,750 |
| Total noninterest expense | $5,063,000 | 2,331 |
| Salaries and employee benefits | $2,607,000 | 2,429 |
| Premises and equipment expense | $600,000 | 2,771 |
| Additional noninterest expense | $1,856,000 | 1,925 |
| Pre-tax net operating income | $2,947,000 | 2,079 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,043,000 | 1,798 |
| Income before extraordinary items | $1,904,000 | 2,434 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,904,000 | 2,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 2,758 |
| Cash dividends | $556,000 | 2,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,904,000 | 2,320 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,418,000 | 2,287 |
| Total interest expense | $1,812,000 | 2,583 |
| Net interest income | $4,606,000 | 2,115 |
| Provision for loan and lease losses | $39,000 | 5,514 |
| Total noninterest income | $700,000 | 3,015 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $564,000 | 1,516 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $136,000 | 4,735 |
| Total noninterest expense | $3,342,000 | 2,349 |
| Salaries and employee benefits | $1,718,000 | 2,450 |
| Premises and equipment expense | $404,000 | 2,736 |
| Additional noninterest expense | $1,220,000 | 1,957 |
| Pre-tax net operating income | $1,925,000 | 2,107 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $679,000 | 1,861 |
| Income before extraordinary items | $1,246,000 | 2,489 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,246,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,862 |
| Cash dividends | $300,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,246,000 | 2,345 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,237,000 | 2,278 |
| Total interest expense | $940,000 | 2,570 |
| Net interest income | $2,297,000 | 2,128 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $359,000 | 2,869 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $288,000 | 1,438 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $71,000 | 4,573 |
| Total noninterest expense | $1,712,000 | 2,273 |
| Salaries and employee benefits | $885,000 | 2,378 |
| Premises and equipment expense | $204,000 | 2,714 |
| Additional noninterest expense | $623,000 | 1,878 |
| Pre-tax net operating income | $944,000 | 2,147 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $330,000 | 1,918 |
| Income before extraordinary items | $614,000 | 2,487 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $614,000 | 2,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,147 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $614,000 | 2,347 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,000,000 | 2,365 |
| Total interest expense | $4,004,000 | 2,746 |
| Net interest income | $8,996,000 | 2,155 |
| Provision for loan and lease losses | $568,000 | 2,171 |
| Total noninterest income | $1,311,000 | 2,890 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,088,000 | 1,485 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $223,000 | 4,804 |
| Total noninterest expense | $6,004,000 | 2,460 |
| Salaries and employee benefits | $3,322,000 | 2,400 |
| Premises and equipment expense | $775,000 | 2,747 |
| Additional noninterest expense | $1,907,000 | 2,417 |
| Pre-tax net operating income | $3,735,000 | 2,102 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,324,000 | 1,822 |
| Income before extraordinary items | $2,411,000 | 2,421 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,411,000 | 2,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,589 |
| Cash dividends | $988,000 | 2,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,411,000 | 2,340 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,824,000 | 2,659 |
| Total interest expense | $5,235,000 | 3,038 |
| Net interest income | $7,589,000 | 2,365 |
| Provision for loan and lease losses | $359,000 | 2,863 |
| Total noninterest income | $1,201,000 | 2,934 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $912,000 | 1,654 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $289,000 | 4,198 |
| Total noninterest expense | $5,131,000 | 2,766 |
| Salaries and employee benefits | $2,787,000 | 2,680 |
| Premises and equipment expense | $741,000 | 2,818 |
| Additional noninterest expense | $1,603,000 | 2,712 |
| Pre-tax net operating income | $3,300,000 | 2,077 |
| Securities gains (losses) | $21,000 | 3,115 |
| Applicable income taxes | $1,203,000 | 1,803 |
| Income before extraordinary items | $2,118,000 | 2,401 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,118,000 | 2,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $1,725,000 | 1,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,104,560 | 2,337 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,216,000 | 2,855 |
| Total interest expense | $5,561,000 | 2,985 |
| Net interest income | $6,655,000 | 2,673 |
| Provision for loan and lease losses | $375,000 | 2,395 |
| Total noninterest income | $1,225,000 | 2,714 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $830,000 | 1,667 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $395,000 | 3,375 |
| Total noninterest expense | $4,614,000 | 2,928 |
| Salaries and employee benefits | $2,477,000 | 2,847 |
| Premises and equipment expense | $709,000 | 2,847 |
| Additional noninterest expense | $1,428,000 | 2,948 |
| Pre-tax net operating income | $2,891,000 | 2,460 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,009,000 | 2,102 |
| Income before extraordinary items | $1,882,000 | 2,707 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,882,000 | 2,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,200 |
| Cash dividends | $1,262,000 | 1,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,882,000 | 2,705 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,339,000 | 3,121 |
| Total interest expense | $4,409,000 | 3,302 |
| Net interest income | $5,930,000 | 2,959 |
| Provision for loan and lease losses | $296,000 | 2,719 |
| Total noninterest income | $1,245,000 | 2,633 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $837,000 | 1,575 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $408,000 | 3,374 |
| Total noninterest expense | $4,809,000 | 2,811 |
| Salaries and employee benefits | $2,813,000 | 2,493 |
| Premises and equipment expense | $746,000 | 2,722 |
| Additional noninterest expense | $1,250,000 | 3,309 |
| Pre-tax net operating income | $2,070,000 | 3,247 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $669,000 | 2,993 |
| Income before extraordinary items | $1,401,000 | 3,418 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,401,000 | 3,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,975 |
| Cash dividends | $1,287,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,401,000 | 3,383 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,912,000 | 3,259 |
| Total interest expense | $4,119,000 | 3,589 |
| Net interest income | $5,793,000 | 2,978 |
| Provision for loan and lease losses | $320,000 | 2,466 |
| Total noninterest income | $1,216,000 | 2,654 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $810,000 | 1,563 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $406,000 | 3,403 |
| Total noninterest expense | $4,651,000 | 2,794 |
| Salaries and employee benefits | $2,536,000 | 2,666 |
| Premises and equipment expense | $783,000 | 2,502 |
| Additional noninterest expense | $1,332,000 | 3,068 |
| Pre-tax net operating income | $2,038,000 | 3,295 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $638,000 | 3,247 |
| Income before extraordinary items | $1,400,000 | 3,443 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,400,000 | 3,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $398,000 | 1,512 |
| Cash dividends | $787,000 | 2,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,400,000 | 3,345 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,030,000 | 3,225 |
| Total interest expense | $4,181,000 | 3,516 |
| Net interest income | $5,849,000 | 2,980 |
| Provision for loan and lease losses | $270,000 | 2,814 |
| Total noninterest income | $1,104,000 | 2,815 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $869,000 | 1,486 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $235,000 | 4,541 |
| Total noninterest expense | $4,291,000 | 2,969 |
| Salaries and employee benefits | $2,356,000 | 2,804 |
| Premises and equipment expense | $630,000 | 3,022 |
| Additional noninterest expense | $1,305,000 | 3,105 |
| Pre-tax net operating income | $2,392,000 | 3,025 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $818,000 | 2,878 |
| Income before extraordinary items | $1,575,000 | 3,216 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,575,000 | 3,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,340 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,574,340 | 3,151 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,115,000 | 3,244 |
| Total interest expense | $4,142,000 | 3,587 |
| Net interest income | $5,973,000 | 2,961 |
| Provision for loan and lease losses | $1,405,000 | 790 |
| Total noninterest income | $1,030,000 | 3,059 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $913,000 | 1,471 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $117,000 | 6,675 |
| Total noninterest expense | $4,042,000 | 3,318 |
| Salaries and employee benefits | $2,257,000 | 2,963 |
| Premises and equipment expense | $602,000 | 3,201 |
| Additional noninterest expense | $1,183,000 | 3,825 |
| Pre-tax net operating income | $1,556,000 | 4,205 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $518,000 | 4,039 |
| Income before extraordinary items | $1,035,000 | 4,355 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,035,000 | 4,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,417,000 | 717 |
| Cash dividends | $1,865,000 | 1,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,037,010 | 4,298 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,552,000 | 3,140 |
| Total interest expense | $4,093,000 | 3,607 |
| Net interest income | $6,459,000 | 2,764 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $930,000 | 3,279 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $704,000 | 1,924 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $226,000 | 4,773 |
| Total noninterest expense | $4,145,000 | 3,215 |
| Salaries and employee benefits | $2,394,000 | 2,792 |
| Premises and equipment expense | $618,000 | 3,134 |
| Additional noninterest expense | $1,133,000 | 3,935 |
| Pre-tax net operating income | $3,124,000 | 2,354 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $1,101,000 | 2,186 |
| Income before extraordinary items | $2,029,000 | 2,479 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,029,000 | 2,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,743 |
| Cash dividends | $2,375,000 | 1,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,025,100 | 2,464 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,620,000 | 3,149 |
| Total interest expense | $3,094,000 | 3,855 |
| Net interest income | $6,526,000 | 2,780 |
| Provision for loan and lease losses | $104,000 | 4,473 |
| Total noninterest income | $824,000 | 3,626 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $618,000 | 2,198 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $206,000 | 5,168 |
| Total noninterest expense | $4,272,000 | 3,214 |
| Salaries and employee benefits | $2,424,000 | 2,743 |
| Premises and equipment expense | $625,000 | 3,152 |
| Additional noninterest expense | $1,223,000 | 3,990 |
| Pre-tax net operating income | $2,974,000 | 2,396 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $710,000 | 3,054 |
| Income before extraordinary items | $2,264,000 | 2,161 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,264,000 | 2,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,198 |
| Cash dividends | $1,639,000 | 1,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,264,000 | 2,178 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,217,000 | 3,355 |
| Total interest expense | $3,170,000 | 3,935 |
| Net interest income | $6,047,000 | 3,006 |
| Provision for loan and lease losses | $66,000 | 6,760 |
| Total noninterest income | $920,000 | 3,570 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $642,000 | 2,132 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $278,000 | 4,681 |
| Total noninterest expense | $3,952,000 | 3,530 |
| Salaries and employee benefits | $2,227,000 | 2,946 |
| Premises and equipment expense | $624,000 | 3,203 |
| Additional noninterest expense | $1,101,000 | 4,527 |
| Pre-tax net operating income | $2,949,000 | 2,324 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $958,000 | 2,357 |
| Income before extraordinary items | $2,000,000 | 2,524 |
| Extraordinary gains, net | $128,000 | 1,362 |
| Net income | $2,128,000 | 2,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 3,226 |
| Cash dividends | $1,348,000 | 1,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,993,880 | 2,377 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,711,000 | 3,591 |
| Total interest expense | $4,174,000 | 3,919 |
| Net interest income | $5,537,000 | 3,307 |
| Provision for loan and lease losses | $104,000 | 7,172 |
| Total noninterest income | $952,000 | 3,448 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $704,000 | 1,921 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $248,000 | 4,980 |
| Total noninterest expense | $3,726,000 | 3,709 |
| Salaries and employee benefits | $2,084,000 | 3,104 |
| Premises and equipment expense | $569,000 | 3,537 |
| Additional noninterest expense | $1,073,000 | 4,775 |
| Pre-tax net operating income | $2,659,000 | 2,323 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $847,000 | 2,453 |
| Income before extraordinary items | $1,830,000 | 2,511 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,830,000 | 2,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 5,311 |
| Cash dividends | $809,000 | 1,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,817,760 | 2,344 |
* 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.