Home > Columbia County Farmers National Bank > Income and Expense
Columbia County Farmers National Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,868,000 | 2,777 |
| Total interest expense | $2,676,000 | 3,007 |
| Net interest income | $4,192,000 | 2,601 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $1,044,000 | 2,171 |
| Gross Fiduciary activities income | $74,000 | 848 |
| Service charges on deposit accounts | $384,000 | 2,204 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $586,000 | 2,026 |
| Total noninterest expense | $3,207,000 | 2,880 |
| Salaries and employee benefits | $1,889,000 | 2,701 |
| Premises and equipment expense | $478,000 | 2,742 |
| Additional noninterest expense | $840,000 | 3,214 |
| Pre-tax net operating income | $2,029,000 | 1,675 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $638,000 | 1,330 |
| Income before extraordinary items | $1,391,000 | 1,922 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,391,000 | 1,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $581,000 | 2,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,391,000 | 1,889 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,471,000 | 2,806 |
| Total interest expense | $1,418,000 | 3,036 |
| Net interest income | $2,053,000 | 2,651 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $503,000 | 2,229 |
| Gross Fiduciary activities income | $38,000 | 856 |
| Service charges on deposit accounts | $195,000 | 2,117 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $270,000 | 2,102 |
| Total noninterest expense | $1,612,000 | 2,865 |
| Salaries and employee benefits | $948,000 | 2,712 |
| Premises and equipment expense | $253,000 | 2,646 |
| Additional noninterest expense | $411,000 | 3,236 |
| Pre-tax net operating income | $944,000 | 1,885 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $300,000 | 1,477 |
| Income before extraordinary items | $644,000 | 2,169 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $644,000 | 2,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $290,000 | 1,939 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $644,000 | 2,103 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,437,000 | 2,792 |
| Total interest expense | $6,186,000 | 2,940 |
| Net interest income | $8,251,000 | 2,655 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $2,325,000 | 1,989 |
| Gross Fiduciary activities income | $196,000 | 807 |
| Service charges on deposit accounts | $950,000 | 1,854 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,179,000 | 1,989 |
| Total noninterest expense | $6,668,000 | 2,708 |
| Salaries and employee benefits | $3,897,000 | 2,547 |
| Premises and equipment expense | $976,000 | 2,630 |
| Additional noninterest expense | $1,795,000 | 2,930 |
| Pre-tax net operating income | $3,878,000 | 2,035 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,222,000 | 1,629 |
| Income before extraordinary items | $2,656,000 | 2,246 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,656,000 | 2,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,663 |
| Cash dividends | $1,134,000 | 2,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,656,000 | 2,235 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,793,000 | 2,796 |
| Total interest expense | $4,627,000 | 2,940 |
| Net interest income | $6,166,000 | 2,671 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $1,737,000 | 1,999 |
| Gross Fiduciary activities income | $132,000 | 823 |
| Service charges on deposit accounts | $686,000 | 1,892 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $919,000 | 1,944 |
| Total noninterest expense | $5,193,000 | 2,598 |
| Salaries and employee benefits | $2,884,000 | 2,574 |
| Premises and equipment expense | $732,000 | 2,614 |
| Additional noninterest expense | $1,577,000 | 2,505 |
| Pre-tax net operating income | $2,680,000 | 2,307 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $689,000 | 2,105 |
| Income before extraordinary items | $1,991,000 | 2,376 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,991,000 | 2,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,329 |
| Cash dividends | $843,000 | 2,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,991,000 | 2,357 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,086,000 | 2,841 |
| Total interest expense | $3,015,000 | 2,997 |
| Net interest income | $4,071,000 | 2,705 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $1,164,000 | 2,008 |
| Gross Fiduciary activities income | $82,000 | 849 |
| Service charges on deposit accounts | $445,000 | 1,935 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $637,000 | 1,902 |
| Total noninterest expense | $3,482,000 | 2,614 |
| Salaries and employee benefits | $1,949,000 | 2,582 |
| Premises and equipment expense | $490,000 | 2,634 |
| Additional noninterest expense | $1,043,000 | 2,535 |
| Pre-tax net operating income | $1,723,000 | 2,425 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $441,000 | 2,241 |
| Income before extraordinary items | $1,282,000 | 2,506 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,282,000 | 2,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,861 |
| Cash dividends | $553,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,282,000 | 2,489 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,499,000 | 2,864 |
| Total interest expense | $1,484,000 | 3,011 |
| Net interest income | $2,015,000 | 2,738 |
| Provision for loan and lease losses | $23,000 | 4,237 |
| Total noninterest income | $598,000 | 1,948 |
| Gross Fiduciary activities income | $43,000 | 847 |
| Service charges on deposit accounts | $208,000 | 1,992 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $347,000 | 1,758 |
| Total noninterest expense | $1,762,000 | 2,590 |
| Salaries and employee benefits | $1,000,000 | 2,551 |
| Premises and equipment expense | $249,000 | 2,597 |
| Additional noninterest expense | $513,000 | 2,560 |
| Pre-tax net operating income | $828,000 | 2,506 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $209,000 | 2,343 |
| Income before extraordinary items | $619,000 | 2,569 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $619,000 | 2,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,048 |
| Cash dividends | $276,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $619,000 | 2,546 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,157,000 | 2,856 |
| Total interest expense | $5,302,000 | 2,876 |
| Net interest income | $7,855,000 | 2,799 |
| Provision for loan and lease losses | $175,000 | 3,820 |
| Total noninterest income | $1,932,000 | 2,288 |
| Gross Fiduciary activities income | $191,000 | 814 |
| Service charges on deposit accounts | $855,000 | 2,008 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $886,000 | 2,416 |
| Total noninterest expense | $6,084,000 | 2,847 |
| Salaries and employee benefits | $3,451,000 | 2,766 |
| Premises and equipment expense | $952,000 | 2,583 |
| Additional noninterest expense | $1,681,000 | 2,993 |
| Pre-tax net operating income | $3,528,000 | 2,465 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,104,000 | 2,064 |
| Income before extraordinary items | $2,424,000 | 2,678 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,424,000 | 2,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 1,800 |
| Cash dividends | $1,078,000 | 2,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,424,000 | 2,666 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,686,000 | 2,883 |
| Total interest expense | $3,843,000 | 2,879 |
| Net interest income | $5,843,000 | 2,840 |
| Provision for loan and lease losses | $127,000 | 3,738 |
| Total noninterest income | $1,408,000 | 2,331 |
| Gross Fiduciary activities income | $114,000 | 856 |
| Service charges on deposit accounts | $625,000 | 2,041 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $669,000 | 2,385 |
| Total noninterest expense | $4,687,000 | 2,778 |
| Salaries and employee benefits | $2,526,000 | 2,822 |
| Premises and equipment expense | $703,000 | 2,632 |
| Additional noninterest expense | $1,458,000 | 2,628 |
| Pre-tax net operating income | $2,437,000 | 2,711 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $602,000 | 2,592 |
| Income before extraordinary items | $1,835,000 | 2,755 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,835,000 | 2,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 1,563 |
| Cash dividends | $802,000 | 2,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,835,000 | 2,740 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,239,000 | 2,929 |
| Total interest expense | $2,454,000 | 2,861 |
| Net interest income | $3,785,000 | 2,931 |
| Provision for loan and lease losses | $65,000 | 3,979 |
| Total noninterest income | $883,000 | 2,429 |
| Gross Fiduciary activities income | $76,000 | 865 |
| Service charges on deposit accounts | $398,000 | 2,114 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $409,000 | 2,528 |
| Total noninterest expense | $3,062,000 | 2,834 |
| Salaries and employee benefits | $1,674,000 | 2,832 |
| Premises and equipment expense | $470,000 | 2,609 |
| Additional noninterest expense | $918,000 | 2,769 |
| Pre-tax net operating income | $1,541,000 | 2,836 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $369,000 | 2,741 |
| Income before extraordinary items | $1,172,000 | 2,849 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,172,000 | 2,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 1,179 |
| Cash dividends | $525,000 | 2,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,172,000 | 2,837 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,017,000 | 2,958 |
| Total interest expense | $1,175,000 | 2,846 |
| Net interest income | $1,842,000 | 2,989 |
| Provision for loan and lease losses | $22,000 | 4,442 |
| Total noninterest income | $412,000 | 2,506 |
| Gross Fiduciary activities income | $39,000 | 862 |
| Service charges on deposit accounts | $191,000 | 2,123 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $182,000 | 2,657 |
| Total noninterest expense | $1,519,000 | 2,846 |
| Salaries and employee benefits | $825,000 | 2,890 |
| Premises and equipment expense | $239,000 | 2,566 |
| Additional noninterest expense | $455,000 | 2,778 |
| Pre-tax net operating income | $713,000 | 2,935 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $163,000 | 2,913 |
| Income before extraordinary items | $550,000 | 2,928 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $550,000 | 2,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 664 |
| Cash dividends | $263,000 | 2,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $550,000 | 2,914 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,401,000 | 2,822 |
| Total interest expense | $4,132,000 | 2,578 |
| Net interest income | $7,269,000 | 2,951 |
| Provision for loan and lease losses | $90,000 | 4,964 |
| Total noninterest income | $1,688,000 | 2,487 |
| Gross Fiduciary activities income | $157,000 | 864 |
| Service charges on deposit accounts | $849,000 | 2,007 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $682,000 | 2,823 |
| Total noninterest expense | $5,988,000 | 2,754 |
| Salaries and employee benefits | $3,115,000 | 2,880 |
| Premises and equipment expense | $457,000 | 4,446 |
| Additional noninterest expense | $2,416,000 | 2,077 |
| Pre-tax net operating income | $2,879,000 | 2,850 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $648,000 | 2,947 |
| Income before extraordinary items | $2,231,000 | 2,813 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,231,000 | 2,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,558 |
| Cash dividends | $1,223,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,231,000 | 2,777 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,401,000 | 2,803 |
| Total interest expense | $3,003,000 | 2,532 |
| Net interest income | $5,398,000 | 2,961 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $1,257,000 | 2,502 |
| Gross Fiduciary activities income | $106,000 | 872 |
| Service charges on deposit accounts | $480,000 | 2,523 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $671,000 | 2,382 |
| Total noninterest expense | $4,490,000 | 2,733 |
| Salaries and employee benefits | $2,324,000 | 2,853 |
| Premises and equipment expense | $735,000 | 2,398 |
| Additional noninterest expense | $1,431,000 | 2,570 |
| Pre-tax net operating income | $2,075,000 | 2,972 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $453,000 | 3,114 |
| Income before extraordinary items | $1,622,000 | 2,943 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,622,000 | 2,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,171 |
| Cash dividends | $961,000 | 1,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,622,000 | 2,896 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,527,000 | 2,787 |
| Total interest expense | $1,940,000 | 2,475 |
| Net interest income | $3,587,000 | 2,933 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $833,000 | 2,470 |
| Gross Fiduciary activities income | $71,000 | 877 |
| Service charges on deposit accounts | $313,000 | 2,536 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $449,000 | 2,353 |
| Total noninterest expense | $2,986,000 | 2,706 |
| Salaries and employee benefits | $1,531,000 | 2,874 |
| Premises and equipment expense | $482,000 | 2,415 |
| Additional noninterest expense | $973,000 | 2,503 |
| Pre-tax net operating income | $1,374,000 | 2,942 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $298,000 | 3,119 |
| Income before extraordinary items | $1,076,000 | 2,926 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,076,000 | 2,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,070 |
| Cash dividends | $698,000 | 1,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,076,000 | 2,880 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,725,000 | 2,792 |
| Total interest expense | $954,000 | 2,424 |
| Net interest income | $1,771,000 | 2,960 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $417,000 | 2,428 |
| Gross Fiduciary activities income | $36,000 | 881 |
| Service charges on deposit accounts | $153,000 | 2,519 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $228,000 | 2,283 |
| Total noninterest expense | $1,477,000 | 2,757 |
| Salaries and employee benefits | $756,000 | 2,909 |
| Premises and equipment expense | $240,000 | 2,439 |
| Additional noninterest expense | $481,000 | 2,532 |
| Pre-tax net operating income | $681,000 | 2,919 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $145,000 | 3,159 |
| Income before extraordinary items | $536,000 | 2,887 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $536,000 | 2,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,314 |
| Cash dividends | $249,000 | 2,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $536,000 | 2,834 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,803,000 | 2,634 |
| Total interest expense | $3,672,000 | 2,205 |
| Net interest income | $7,131,000 | 2,841 |
| Provision for loan and lease losses | $140,000 | 4,374 |
| Total noninterest income | $1,525,000 | 2,655 |
| Gross Fiduciary activities income | $165,000 | 833 |
| Service charges on deposit accounts | $625,000 | 2,615 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $735,000 | 2,639 |
| Total noninterest expense | $5,660,000 | 2,798 |
| Salaries and employee benefits | $3,061,000 | 2,790 |
| Premises and equipment expense | $868,000 | 2,601 |
| Additional noninterest expense | $1,731,000 | 2,759 |
| Pre-tax net operating income | $2,856,000 | 2,699 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $624,000 | 2,966 |
| Income before extraordinary items | $2,235,000 | 2,660 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,235,000 | 2,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,905 |
| Cash dividends | $968,000 | 2,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,232,660 | 2,608 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,024,000 | 2,625 |
| Total interest expense | $2,727,000 | 2,190 |
| Net interest income | $5,297,000 | 2,832 |
| Provision for loan and lease losses | $110,000 | 4,124 |
| Total noninterest income | $1,115,000 | 2,710 |
| Gross Fiduciary activities income | $109,000 | 852 |
| Service charges on deposit accounts | $416,000 | 2,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $590,000 | 2,527 |
| Total noninterest expense | $4,257,000 | 2,768 |
| Salaries and employee benefits | $2,311,000 | 2,752 |
| Premises and equipment expense | $645,000 | 2,612 |
| Additional noninterest expense | $1,301,000 | 2,705 |
| Pre-tax net operating income | $2,045,000 | 2,820 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $439,000 | 3,136 |
| Income before extraordinary items | $1,609,000 | 2,789 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,609,000 | 2,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,818 |
| Cash dividends | $719,000 | 2,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,606,630 | 2,720 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,346,000 | 2,612 |
| Total interest expense | $1,808,000 | 2,173 |
| Net interest income | $3,538,000 | 2,818 |
| Provision for loan and lease losses | $80,000 | 3,908 |
| Total noninterest income | $733,000 | 2,750 |
| Gross Fiduciary activities income | $75,000 | 856 |
| Service charges on deposit accounts | $259,000 | 3,056 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $399,000 | 2,519 |
| Total noninterest expense | $2,854,000 | 2,747 |
| Salaries and employee benefits | $1,540,000 | 2,764 |
| Premises and equipment expense | $436,000 | 2,575 |
| Additional noninterest expense | $878,000 | 2,682 |
| Pre-tax net operating income | $1,337,000 | 2,843 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $285,000 | 3,165 |
| Income before extraordinary items | $1,052,000 | 2,807 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,052,000 | 2,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,185 |
| Cash dividends | $470,000 | 2,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,052,000 | 2,738 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,702,000 | 2,579 |
| Total interest expense | $911,000 | 2,183 |
| Net interest income | $1,791,000 | 2,777 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $335,000 | 2,877 |
| Gross Fiduciary activities income | $34,000 | 889 |
| Service charges on deposit accounts | $116,000 | 3,225 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $185,000 | 2,607 |
| Total noninterest expense | $1,427,000 | 2,762 |
| Salaries and employee benefits | $776,000 | 2,767 |
| Premises and equipment expense | $213,000 | 2,655 |
| Additional noninterest expense | $438,000 | 2,668 |
| Pre-tax net operating income | $649,000 | 2,880 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $133,000 | 3,317 |
| Income before extraordinary items | $516,000 | 2,866 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $516,000 | 2,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,316 |
| Cash dividends | $235,000 | 2,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $516,000 | 2,773 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,198,000 | 2,545 |
| Total interest expense | $4,369,000 | 2,036 |
| Net interest income | $6,829,000 | 2,818 |
| Provision for loan and lease losses | $200,000 | 4,016 |
| Total noninterest income | $1,493,000 | 2,853 |
| Gross Fiduciary activities income | $147,000 | 881 |
| Service charges on deposit accounts | $484,000 | 3,167 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $862,000 | 2,610 |
| Total noninterest expense | $5,328,000 | 2,898 |
| Salaries and employee benefits | $2,945,000 | 2,811 |
| Premises and equipment expense | $854,000 | 2,599 |
| Additional noninterest expense | $1,529,000 | 3,023 |
| Pre-tax net operating income | $2,794,000 | 2,648 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $612,000 | 3,023 |
| Income before extraordinary items | $2,188,000 | 2,676 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,188,000 | 2,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,364 |
| Cash dividends | $2,313,000 | 1,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,183,320 | 2,549 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,461,000 | 2,566 |
| Total interest expense | $3,409,000 | 2,043 |
| Net interest income | $5,052,000 | 2,873 |
| Provision for loan and lease losses | $150,000 | 3,902 |
| Total noninterest income | $1,132,000 | 2,899 |
| Gross Fiduciary activities income | $95,000 | 915 |
| Service charges on deposit accounts | $352,000 | 3,268 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $685,000 | 2,600 |
| Total noninterest expense | $4,017,000 | 2,892 |
| Salaries and employee benefits | $2,221,000 | 2,809 |
| Premises and equipment expense | $648,000 | 2,586 |
| Additional noninterest expense | $1,148,000 | 3,015 |
| Pre-tax net operating income | $2,017,000 | 2,830 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $437,000 | 3,275 |
| Income before extraordinary items | $1,585,000 | 2,843 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,585,000 | 2,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $2,077,000 | 980 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,581,100 | 2,713 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,751,000 | 2,535 |
| Total interest expense | $2,390,000 | 2,004 |
| Net interest income | $3,361,000 | 2,875 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $724,000 | 2,939 |
| Gross Fiduciary activities income | $63,000 | 925 |
| Service charges on deposit accounts | $239,000 | 3,177 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $422,000 | 2,708 |
| Total noninterest expense | $2,644,000 | 2,918 |
| Salaries and employee benefits | $1,459,000 | 2,847 |
| Premises and equipment expense | $427,000 | 2,602 |
| Additional noninterest expense | $758,000 | 3,009 |
| Pre-tax net operating income | $1,341,000 | 2,838 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $290,000 | 3,301 |
| Income before extraordinary items | $1,051,000 | 2,872 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,051,000 | 2,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $1,842,000 | 807 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,051,000 | 2,703 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,942,000 | 2,491 |
| Total interest expense | $1,264,000 | 1,951 |
| Net interest income | $1,678,000 | 2,868 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $337,000 | 2,985 |
| Gross Fiduciary activities income | $36,000 | 899 |
| Service charges on deposit accounts | $119,000 | 3,102 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $182,000 | 2,877 |
| Total noninterest expense | $1,302,000 | 2,939 |
| Salaries and employee benefits | $707,000 | 2,927 |
| Premises and equipment expense | $222,000 | 2,521 |
| Additional noninterest expense | $373,000 | 3,030 |
| Pre-tax net operating income | $663,000 | 2,860 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $141,000 | 3,336 |
| Income before extraordinary items | $522,000 | 2,858 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $522,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $421,000 | 1,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $522,000 | 2,713 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,769,000 | 2,423 |
| Total interest expense | $5,743,000 | 1,976 |
| Net interest income | $7,026,000 | 2,723 |
| Provision for loan and lease losses | $309,000 | 3,366 |
| Total noninterest income | $1,082,000 | 3,304 |
| Gross Fiduciary activities income | $215,000 | 804 |
| Service charges on deposit accounts | $436,000 | 3,324 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $431,000 | 3,556 |
| Total noninterest expense | $5,415,000 | 2,720 |
| Salaries and employee benefits | $2,867,000 | 2,750 |
| Premises and equipment expense | $942,000 | 2,308 |
| Additional noninterest expense | $1,606,000 | 2,798 |
| Pre-tax net operating income | $2,384,000 | 2,991 |
| Securities gains (losses) | $137,000 | 1,459 |
| Applicable income taxes | $562,000 | 3,222 |
| Income before extraordinary items | $1,959,000 | 2,844 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,959,000 | 2,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,609 |
| Cash dividends | $1,471,000 | 1,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,852,140 | 2,881 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,710,000 | 2,494 |
| Total interest expense | $6,926,000 | 2,311 |
| Net interest income | $6,784,000 | 2,643 |
| Provision for loan and lease losses | $163,000 | 4,608 |
| Total noninterest income | $1,063,000 | 3,199 |
| Gross Fiduciary activities income | $238,000 | 792 |
| Service charges on deposit accounts | $407,000 | 3,337 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $418,000 | 3,449 |
| Total noninterest expense | $5,024,000 | 2,817 |
| Salaries and employee benefits | $2,716,000 | 2,747 |
| Premises and equipment expense | $910,000 | 2,342 |
| Additional noninterest expense | $1,398,000 | 3,062 |
| Pre-tax net operating income | $2,660,000 | 2,541 |
| Securities gains (losses) | $99,000 | 1,747 |
| Applicable income taxes | $651,000 | 2,813 |
| Income before extraordinary items | $2,108,000 | 2,412 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,108,000 | 2,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,454 |
| Cash dividends | $1,516,000 | 1,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,032,760 | 2,409 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,543,000 | 2,573 |
| Total interest expense | $6,864,000 | 2,453 |
| Net interest income | $6,679,000 | 2,660 |
| Provision for loan and lease losses | $54,000 | 6,441 |
| Total noninterest income | $1,061,000 | 3,008 |
| Gross Fiduciary activities income | $219,000 | 784 |
| Service charges on deposit accounts | $409,000 | 3,186 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $433,000 | 3,189 |
| Total noninterest expense | $4,899,000 | 2,774 |
| Salaries and employee benefits | $2,661,000 | 2,673 |
| Premises and equipment expense | $929,000 | 2,213 |
| Additional noninterest expense | $1,309,000 | 3,162 |
| Pre-tax net operating income | $2,787,000 | 2,537 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $694,000 | 2,805 |
| Income before extraordinary items | $2,093,000 | 2,451 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,093,000 | 2,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $1,330,000 | 1,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,093,000 | 2,457 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,662,000 | 2,581 |
| Total interest expense | $6,107,000 | 2,411 |
| Net interest income | $6,555,000 | 2,678 |
| Provision for loan and lease losses | $78,000 | 5,718 |
| Total noninterest income | $1,021,000 | 3,042 |
| Gross Fiduciary activities income | $189,000 | 877 |
| Service charges on deposit accounts | $414,000 | 3,132 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $418,000 | 3,311 |
| Total noninterest expense | $4,719,000 | 2,862 |
| Salaries and employee benefits | $2,535,000 | 2,773 |
| Premises and equipment expense | $936,000 | 2,183 |
| Additional noninterest expense | $1,248,000 | 3,312 |
| Pre-tax net operating income | $2,779,000 | 2,564 |
| Securities gains (losses) | $39,000 | 1,079 |
| Applicable income taxes | $719,000 | 2,857 |
| Income before extraordinary items | $2,099,000 | 2,470 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,099,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,912 |
| Cash dividends | $698,000 | 2,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,070,140 | 2,460 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,438,000 | 2,623 |
| Total interest expense | $6,077,000 | 2,497 |
| Net interest income | $6,361,000 | 2,693 |
| Provision for loan and lease losses | $78,000 | 5,647 |
| Total noninterest income | $925,000 | 3,258 |
| Gross Fiduciary activities income | $144,000 | 941 |
| Service charges on deposit accounts | $405,000 | 3,105 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $376,000 | 3,556 |
| Total noninterest expense | $4,681,000 | 2,773 |
| Salaries and employee benefits | $2,449,000 | 2,778 |
| Premises and equipment expense | $890,000 | 2,186 |
| Additional noninterest expense | $1,342,000 | 3,052 |
| Pre-tax net operating income | $2,527,000 | 2,754 |
| Securities gains (losses) | $64,000 | 1,566 |
| Applicable income taxes | $654,000 | 3,183 |
| Income before extraordinary items | $1,937,000 | 2,629 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,937,000 | 2,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,077 |
| Cash dividends | $1,001,000 | 2,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,889,000 | 2,611 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,486,000 | 2,627 |
| Total interest expense | $5,994,000 | 2,494 |
| Net interest income | $6,492,000 | 2,679 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $767,000 | 3,710 |
| Gross Fiduciary activities income | $103,000 | 1,044 |
| Service charges on deposit accounts | $435,000 | 2,995 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $229,000 | 4,621 |
| Total noninterest expense | $4,438,000 | 2,863 |
| Salaries and employee benefits | $2,339,000 | 2,828 |
| Premises and equipment expense | $796,000 | 2,439 |
| Additional noninterest expense | $1,303,000 | 3,110 |
| Pre-tax net operating income | $2,761,000 | 2,689 |
| Securities gains (losses) | $57,000 | 1,267 |
| Applicable income taxes | $764,000 | 3,030 |
| Income before extraordinary items | $2,054,000 | 2,525 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,054,000 | 2,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,510 |
| Cash dividends | $639,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 717 |
| Net operating income | $2,012,390 | 2,522 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,856,000 | 2,782 |
| Total interest expense | $5,601,000 | 2,705 |
| Net interest income | $6,255,000 | 2,831 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $729,000 | 3,978 |
| Gross Fiduciary activities income | $76,000 | 1,165 |
| Service charges on deposit accounts | $386,000 | 3,442 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $267,000 | 4,364 |
| Total noninterest expense | $4,399,000 | 3,079 |
| Salaries and employee benefits | $2,317,000 | 2,885 |
| Premises and equipment expense | $803,000 | 2,444 |
| Additional noninterest expense | $1,279,000 | 3,585 |
| Pre-tax net operating income | $2,505,000 | 2,764 |
| Securities gains (losses) | $28,000 | 1,737 |
| Applicable income taxes | $679,000 | 3,246 |
| Income before extraordinary items | $1,854,000 | 2,619 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,854,000 | 2,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,343 |
| Cash dividends | $917,000 | 2,276 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 659 |
| Net operating income | $1,833,560 | 2,608 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,512,000 | 2,889 |
| Total interest expense | $5,565,000 | 2,755 |
| Net interest income | $5,947,000 | 2,996 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $559,000 | 4,814 |
| Gross Fiduciary activities income | $51,000 | 1,282 |
| Service charges on deposit accounts | $400,000 | 3,369 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $108,000 | 6,996 |
| Total noninterest expense | $4,326,000 | 3,098 |
| Salaries and employee benefits | $2,121,000 | 3,126 |
| Premises and equipment expense | $606,000 | 3,183 |
| Additional noninterest expense | $1,599,000 | 2,926 |
| Pre-tax net operating income | $2,138,000 | 3,289 |
| Securities gains (losses) | $83,000 | 1,045 |
| Applicable income taxes | $573,000 | 3,779 |
| Income before extraordinary items | $1,648,000 | 2,982 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,648,000 | 2,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,422 |
| Cash dividends | $617,000 | 2,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,586,580 | 3,059 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,459,000 | 2,908 |
| Total interest expense | $4,810,000 | 2,554 |
| Net interest income | $5,649,000 | 3,180 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $512,000 | 5,205 |
| Gross Fiduciary activities income | $50,000 | 1,302 |
| Service charges on deposit accounts | $356,000 | 3,777 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $106,000 | 7,329 |
| Total noninterest expense | $3,938,000 | 3,479 |
| Salaries and employee benefits | $1,847,000 | 3,526 |
| Premises and equipment expense | $581,000 | 3,368 |
| Additional noninterest expense | $1,510,000 | 3,272 |
| Pre-tax net operating income | $2,063,000 | 3,339 |
| Securities gains (losses) | $55,000 | 1,094 |
| Applicable income taxes | $557,000 | 3,730 |
| Income before extraordinary items | $1,561,000 | 3,070 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,561,000 | 3,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,123 |
| Cash dividends | $572,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $3,638,000 | 214 |
| Net operating income | $1,520,300 | 3,157 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,914,000 | 3,113 |
| Total interest expense | $4,642,000 | 2,777 |
| Net interest income | $5,272,000 | 3,400 |
| Provision for loan and lease losses | $105,000 | 5,626 |
| Total noninterest income | $507,000 | 5,543 |
| Gross Fiduciary activities income | $50,000 | 1,337 |
| Service charges on deposit accounts | $337,000 | 4,010 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $120,000 | 7,302 |
| Total noninterest expense | $3,745,000 | 3,700 |
| Salaries and employee benefits | $1,742,000 | 3,738 |
| Premises and equipment expense | $430,000 | 4,425 |
| Additional noninterest expense | $1,573,000 | 3,365 |
| Pre-tax net operating income | $1,929,000 | 3,420 |
| Securities gains (losses) | $61,000 | 3,136 |
| Applicable income taxes | $500,000 | 4,189 |
| Income before extraordinary items | $1,490,000 | 3,272 |
| Extraordinary gains, net | $196,000 | 1,033 |
| Net income | $1,686,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,678 |
| Cash dividends | $444,000 | 3,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,444,250 | 3,179 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,778,000 | 3,565 |
| Total interest expense | $5,063,000 | 3,275 |
| Net interest income | $4,715,000 | 3,837 |
| Provision for loan and lease losses | $167,000 | 5,802 |
| Total noninterest income | $457,000 | 6,008 |
| Gross Fiduciary activities income | $48,000 | 1,371 |
| Service charges on deposit accounts | $151,000 | 7,077 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $258,000 | 4,866 |
| Total noninterest expense | $3,450,000 | 3,976 |
| Salaries and employee benefits | $1,580,000 | 4,029 |
| Premises and equipment expense | $530,000 | 3,778 |
| Additional noninterest expense | $1,340,000 | 3,939 |
| Pre-tax net operating income | $1,555,000 | 3,922 |
| Securities gains (losses) | $84,000 | 3,291 |
| Applicable income taxes | $418,000 | 4,636 |
| Income before extraordinary items | $1,221,000 | 3,742 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,221,000 | 3,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 5,956 |
| Cash dividends | $366,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,158,840 | 3,637 |
* 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.