Home > Community Bank and Trust Company > Income and Expense
Community Bank and Trust Company, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $23,196,000 | 1,392 |
| Total interest expense | $8,317,000 | 1,796 |
| Net interest income | $14,879,000 | 1,120 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $901,000 | 3,130 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $388,000 | 2,977 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $513,000 | 2,805 |
| Total noninterest expense | $8,836,000 | 1,544 |
| Salaries and employee benefits | $4,829,000 | 1,571 |
| Premises and equipment expense | $838,000 | 2,306 |
| Additional noninterest expense | $3,169,000 | 1,292 |
| Pre-tax net operating income | $6,944,000 | 991 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,752,000 | 747 |
| Income before extraordinary items | $4,192,000 | 1,229 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,192,000 | 1,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 1,254 |
| Cash dividends | $5,677,000 | 511 |
| Sale, conversion, retirement of capital stock, net | $1,235,000 | 304 |
| Net operating income | $4,192,000 | 1,216 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,651,000 | 1,382 |
| Total interest expense | $5,630,000 | 1,774 |
| Net interest income | $10,021,000 | 1,125 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $613,000 | 3,105 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $263,000 | 2,925 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $350,000 | 2,769 |
| Total noninterest expense | $5,861,000 | 1,574 |
| Salaries and employee benefits | $3,228,000 | 1,592 |
| Premises and equipment expense | $553,000 | 2,340 |
| Additional noninterest expense | $2,080,000 | 1,327 |
| Pre-tax net operating income | $4,773,000 | 1,003 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,810,000 | 791 |
| Income before extraordinary items | $2,963,000 | 1,211 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,963,000 | 1,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 977 |
| Cash dividends | $4,351,000 | 470 |
| Sale, conversion, retirement of capital stock, net | $199,000 | 448 |
| Net operating income | $2,963,000 | 1,191 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,840,000 | 1,367 |
| Total interest expense | $2,780,000 | 1,780 |
| Net interest income | $5,060,000 | 1,100 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $299,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $129,000 | 2,922 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $170,000 | 2,796 |
| Total noninterest expense | $2,650,000 | 1,751 |
| Salaries and employee benefits | $1,606,000 | 1,614 |
| Premises and equipment expense | $294,000 | 2,224 |
| Additional noninterest expense | $750,000 | 1,780 |
| Pre-tax net operating income | $2,709,000 | 871 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,042,000 | 706 |
| Income before extraordinary items | $1,667,000 | 1,059 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,667,000 | 1,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 929 |
| Cash dividends | $1,305,000 | 648 |
| Sale, conversion, retirement of capital stock, net | $179,000 | 262 |
| Net operating income | $1,667,000 | 1,043 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,540,000 | 1,291 |
| Total interest expense | $9,826,000 | 1,703 |
| Net interest income | $20,714,000 | 1,074 |
| Provision for loan and lease losses | $175,000 | 3,820 |
| Total noninterest income | $1,292,000 | 2,973 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $583,000 | 2,745 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $709,000 | 2,745 |
| Total noninterest expense | $10,473,000 | 1,697 |
| Salaries and employee benefits | $6,241,000 | 1,579 |
| Premises and equipment expense | $1,075,000 | 2,305 |
| Additional noninterest expense | $3,157,000 | 1,668 |
| Pre-tax net operating income | $11,358,000 | 880 |
| Securities gains (losses) | $-6,000 | 7,127 |
| Applicable income taxes | $4,368,000 | 704 |
| Income before extraordinary items | $6,984,000 | 1,065 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,984,000 | 1,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,032 |
| Cash dividends | $6,943,000 | 535 |
| Sale, conversion, retirement of capital stock, net | $1,063,000 | 484 |
| Net operating income | $6,987,840 | 1,052 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,725,000 | 1,301 |
| Total interest expense | $7,075,000 | 1,727 |
| Net interest income | $15,650,000 | 1,085 |
| Provision for loan and lease losses | $-75,000 | 8,552 |
| Total noninterest income | $974,000 | 2,986 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $447,000 | 2,702 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $527,000 | 2,773 |
| Total noninterest expense | $7,996,000 | 1,676 |
| Salaries and employee benefits | $4,726,000 | 1,574 |
| Premises and equipment expense | $800,000 | 2,326 |
| Additional noninterest expense | $2,470,000 | 1,590 |
| Pre-tax net operating income | $8,703,000 | 894 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,359,000 | 722 |
| Income before extraordinary items | $5,344,000 | 1,083 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,344,000 | 1,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,158 |
| Cash dividends | $5,633,000 | 470 |
| Sale, conversion, retirement of capital stock, net | $735,000 | 406 |
| Net operating income | $5,344,000 | 1,073 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,793,000 | 1,302 |
| Total interest expense | $4,439,000 | 1,741 |
| Net interest income | $10,354,000 | 1,090 |
| Provision for loan and lease losses | $-75,000 | 8,609 |
| Total noninterest income | $641,000 | 2,998 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $294,000 | 2,703 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $347,000 | 2,771 |
| Total noninterest expense | $5,284,000 | 1,692 |
| Salaries and employee benefits | $3,143,000 | 1,576 |
| Premises and equipment expense | $536,000 | 2,316 |
| Additional noninterest expense | $1,605,000 | 1,647 |
| Pre-tax net operating income | $5,786,000 | 893 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,236,000 | 728 |
| Income before extraordinary items | $3,550,000 | 1,075 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,550,000 | 1,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 1,409 |
| Cash dividends | $4,338,000 | 427 |
| Sale, conversion, retirement of capital stock, net | $605,000 | 310 |
| Net operating income | $3,550,000 | 1,063 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,210,000 | 1,312 |
| Total interest expense | $2,072,000 | 1,764 |
| Net interest income | $5,138,000 | 1,099 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $324,000 | 2,929 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $143,000 | 2,699 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $181,000 | 2,670 |
| Total noninterest expense | $2,650,000 | 1,693 |
| Salaries and employee benefits | $1,574,000 | 1,583 |
| Premises and equipment expense | $273,000 | 2,285 |
| Additional noninterest expense | $803,000 | 1,622 |
| Pre-tax net operating income | $2,787,000 | 913 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,081,000 | 746 |
| Income before extraordinary items | $1,706,000 | 1,099 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,706,000 | 1,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,053 |
| Cash dividends | $1,253,000 | 627 |
| Sale, conversion, retirement of capital stock, net | $473,000 | 188 |
| Net operating income | $1,706,000 | 1,085 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,272,000 | 1,173 |
| Total interest expense | $6,511,000 | 1,747 |
| Net interest income | $21,761,000 | 979 |
| Provision for loan and lease losses | $-154,000 | 8,669 |
| Total noninterest income | $1,431,000 | 2,772 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $594,000 | 2,676 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $837,000 | 2,467 |
| Total noninterest expense | $10,484,000 | 1,633 |
| Salaries and employee benefits | $6,090,000 | 1,539 |
| Premises and equipment expense | $1,079,000 | 2,217 |
| Additional noninterest expense | $3,315,000 | 1,538 |
| Pre-tax net operating income | $12,862,000 | 774 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $4,921,000 | 651 |
| Income before extraordinary items | $7,947,000 | 910 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,947,000 | 910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,923 |
| Cash dividends | $6,538,000 | 520 |
| Sale, conversion, retirement of capital stock, net | $2,130,000 | 391 |
| Net operating income | $7,943,160 | 892 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,976,000 | 1,151 |
| Total interest expense | $4,644,000 | 1,734 |
| Net interest income | $16,332,000 | 970 |
| Provision for loan and lease losses | $-154,000 | 8,734 |
| Total noninterest income | $1,051,000 | 2,802 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $476,000 | 2,539 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $575,000 | 2,617 |
| Total noninterest expense | $7,628,000 | 1,660 |
| Salaries and employee benefits | $4,485,000 | 1,552 |
| Premises and equipment expense | $812,000 | 2,202 |
| Additional noninterest expense | $2,331,000 | 1,604 |
| Pre-tax net operating income | $9,909,000 | 750 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,867,000 | 631 |
| Income before extraordinary items | $6,042,000 | 887 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,042,000 | 888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,080 |
| Cash dividends | $5,284,000 | 448 |
| Sale, conversion, retirement of capital stock, net | $1,525,000 | 317 |
| Net operating income | $6,042,000 | 876 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,807,000 | 1,134 |
| Total interest expense | $3,019,000 | 1,675 |
| Net interest income | $10,788,000 | 970 |
| Provision for loan and lease losses | $-100,000 | 8,731 |
| Total noninterest income | $674,000 | 2,846 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $292,000 | 2,675 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $382,000 | 2,624 |
| Total noninterest expense | $5,149,000 | 1,641 |
| Salaries and employee benefits | $2,943,000 | 1,575 |
| Premises and equipment expense | $546,000 | 2,175 |
| Additional noninterest expense | $1,660,000 | 1,504 |
| Pre-tax net operating income | $6,413,000 | 758 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,504,000 | 644 |
| Income before extraordinary items | $3,909,000 | 892 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,909,000 | 892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $4,050,000 | 391 |
| Sale, conversion, retirement of capital stock, net | $1,469,000 | 221 |
| Net operating income | $3,909,000 | 872 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,893,000 | 1,101 |
| Total interest expense | $1,449,000 | 1,652 |
| Net interest income | $5,444,000 | 952 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $316,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $145,000 | 2,637 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $171,000 | 2,745 |
| Total noninterest expense | $2,530,000 | 1,668 |
| Salaries and employee benefits | $1,454,000 | 1,587 |
| Premises and equipment expense | $286,000 | 2,083 |
| Additional noninterest expense | $790,000 | 1,576 |
| Pre-tax net operating income | $3,230,000 | 752 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,273,000 | 639 |
| Income before extraordinary items | $1,957,000 | 889 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,957,000 | 890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $1,060,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $1,356,000 | 107 |
| Net operating income | $1,957,000 | 867 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $26,810,000 | 1,051 |
| Total interest expense | $4,984,000 | 1,643 |
| Net interest income | $21,826,000 | 903 |
| Provision for loan and lease losses | $878,000 | 1,181 |
| Total noninterest income | $1,471,000 | 2,727 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $642,000 | 2,561 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $829,000 | 2,442 |
| Total noninterest expense | $9,536,000 | 1,701 |
| Salaries and employee benefits | $5,636,000 | 1,576 |
| Premises and equipment expense | $1,010,000 | 2,270 |
| Additional noninterest expense | $2,890,000 | 1,692 |
| Pre-tax net operating income | $12,883,000 | 701 |
| Securities gains (losses) | $61,000 | 1,584 |
| Applicable income taxes | $5,014,000 | 602 |
| Income before extraordinary items | $7,930,000 | 830 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,930,000 | 831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,397 |
| Cash dividends | $3,907,000 | 788 |
| Sale, conversion, retirement of capital stock, net | $853,000 | 420 |
| Net operating income | $7,890,960 | 802 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,844,000 | 1,052 |
| Total interest expense | $3,715,000 | 1,626 |
| Net interest income | $16,129,000 | 914 |
| Provision for loan and lease losses | $759,000 | 1,003 |
| Total noninterest income | $1,095,000 | 2,749 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $489,000 | 2,547 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $606,000 | 2,485 |
| Total noninterest expense | $7,078,000 | 1,703 |
| Salaries and employee benefits | $4,172,000 | 1,591 |
| Premises and equipment expense | $757,000 | 2,274 |
| Additional noninterest expense | $2,149,000 | 1,683 |
| Pre-tax net operating income | $9,387,000 | 727 |
| Securities gains (losses) | $58,000 | 1,547 |
| Applicable income taxes | $3,680,000 | 620 |
| Income before extraordinary items | $5,765,000 | 861 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,765,000 | 862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,570 |
| Cash dividends | $2,876,000 | 729 |
| Sale, conversion, retirement of capital stock, net | $623,000 | 339 |
| Net operating income | $5,727,880 | 829 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $13,166,000 | 1,045 |
| Total interest expense | $2,487,000 | 1,596 |
| Net interest income | $10,679,000 | 914 |
| Provision for loan and lease losses | $534,000 | 929 |
| Total noninterest income | $730,000 | 2,759 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $328,000 | 2,527 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $402,000 | 2,500 |
| Total noninterest expense | $4,615,000 | 1,738 |
| Salaries and employee benefits | $2,728,000 | 1,622 |
| Premises and equipment expense | $498,000 | 2,299 |
| Additional noninterest expense | $1,389,000 | 1,720 |
| Pre-tax net operating income | $6,260,000 | 718 |
| Securities gains (losses) | $29,000 | 1,812 |
| Applicable income taxes | $2,451,000 | 621 |
| Income before extraordinary items | $3,838,000 | 846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,838,000 | 846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,968 |
| Cash dividends | $1,860,000 | 745 |
| Sale, conversion, retirement of capital stock, net | $422,000 | 275 |
| Net operating income | $3,819,440 | 817 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,522,000 | 1,060 |
| Total interest expense | $1,276,000 | 1,575 |
| Net interest income | $5,246,000 | 941 |
| Provision for loan and lease losses | $249,000 | 972 |
| Total noninterest income | $336,000 | 2,867 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $162,000 | 2,518 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $174,000 | 2,693 |
| Total noninterest expense | $2,231,000 | 1,806 |
| Salaries and employee benefits | $1,325,000 | 1,672 |
| Premises and equipment expense | $252,000 | 2,288 |
| Additional noninterest expense | $654,000 | 1,812 |
| Pre-tax net operating income | $3,102,000 | 721 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,209,000 | 640 |
| Income before extraordinary items | $1,893,000 | 866 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,893,000 | 866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 1,899 |
| Cash dividends | $850,000 | 771 |
| Sale, conversion, retirement of capital stock, net | $396,000 | 170 |
| Net operating income | $1,893,000 | 817 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $25,512,000 | 1,118 |
| Total interest expense | $5,633,000 | 1,598 |
| Net interest income | $19,879,000 | 970 |
| Provision for loan and lease losses | $1,339,000 | 895 |
| Total noninterest income | $1,326,000 | 3,095 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $704,000 | 2,342 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $622,000 | 3,183 |
| Total noninterest expense | $8,534,000 | 1,860 |
| Salaries and employee benefits | $4,949,000 | 1,737 |
| Premises and equipment expense | $969,000 | 2,320 |
| Additional noninterest expense | $2,616,000 | 1,845 |
| Pre-tax net operating income | $11,332,000 | 769 |
| Securities gains (losses) | $84,000 | 2,048 |
| Applicable income taxes | $4,413,000 | 686 |
| Income before extraordinary items | $7,003,000 | 924 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,003,000 | 926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,908 |
| Cash dividends | $3,117,000 | 963 |
| Sale, conversion, retirement of capital stock, net | $505,000 | 486 |
| Net operating income | $6,949,240 | 872 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,922,000 | 1,149 |
| Total interest expense | $4,323,000 | 1,629 |
| Net interest income | $14,599,000 | 995 |
| Provision for loan and lease losses | $611,000 | 1,383 |
| Total noninterest income | $974,000 | 3,190 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $562,000 | 2,248 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $412,000 | 3,480 |
| Total noninterest expense | $6,225,000 | 1,905 |
| Salaries and employee benefits | $3,623,000 | 1,794 |
| Premises and equipment expense | $715,000 | 2,359 |
| Additional noninterest expense | $1,887,000 | 1,900 |
| Pre-tax net operating income | $8,737,000 | 780 |
| Securities gains (losses) | $43,000 | 2,446 |
| Applicable income taxes | $3,394,000 | 694 |
| Income before extraordinary items | $5,386,000 | 938 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,386,000 | 938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,155 |
| Cash dividends | $2,287,000 | 906 |
| Sale, conversion, retirement of capital stock, net | $466,000 | 379 |
| Net operating income | $5,358,480 | 878 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,211,000 | 1,209 |
| Total interest expense | $2,988,000 | 1,618 |
| Net interest income | $9,223,000 | 1,053 |
| Provision for loan and lease losses | $411,000 | 1,360 |
| Total noninterest income | $861,000 | 2,613 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $377,000 | 2,201 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $484,000 | 2,489 |
| Total noninterest expense | $4,083,000 | 1,934 |
| Salaries and employee benefits | $2,373,000 | 1,812 |
| Premises and equipment expense | $448,000 | 2,493 |
| Additional noninterest expense | $1,262,000 | 1,902 |
| Pre-tax net operating income | $5,590,000 | 800 |
| Securities gains (losses) | $37,000 | 2,231 |
| Applicable income taxes | $2,201,000 | 717 |
| Income before extraordinary items | $3,426,000 | 974 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,426,000 | 975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,310 |
| Cash dividends | $1,446,000 | 973 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 330 |
| Net operating income | $3,402,320 | 904 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,105,000 | 1,215 |
| Total interest expense | $1,545,000 | 1,597 |
| Net interest income | $4,560,000 | 1,074 |
| Provision for loan and lease losses | $198,000 | 1,389 |
| Total noninterest income | $308,000 | 3,185 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $183,000 | 2,189 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $125,000 | 3,535 |
| Total noninterest expense | $1,994,000 | 1,964 |
| Salaries and employee benefits | $1,157,000 | 1,846 |
| Premises and equipment expense | $233,000 | 2,388 |
| Additional noninterest expense | $604,000 | 1,949 |
| Pre-tax net operating income | $2,676,000 | 838 |
| Securities gains (losses) | $-7,000 | 9,134 |
| Applicable income taxes | $1,032,000 | 777 |
| Income before extraordinary items | $1,637,000 | 1,026 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,637,000 | 1,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $633,000 | 1,002 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 205 |
| Net operating income | $1,641,480 | 945 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $24,095,000 | 1,275 |
| Total interest expense | $6,949,000 | 1,639 |
| Net interest income | $17,146,000 | 1,130 |
| Provision for loan and lease losses | $708,000 | 1,810 |
| Total noninterest income | $1,307,000 | 2,898 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $711,000 | 2,227 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $596,000 | 2,972 |
| Total noninterest expense | $7,172,000 | 2,092 |
| Salaries and employee benefits | $4,146,000 | 1,941 |
| Premises and equipment expense | $748,000 | 2,834 |
| Additional noninterest expense | $2,278,000 | 2,027 |
| Pre-tax net operating income | $10,573,000 | 823 |
| Securities gains (losses) | $-165,000 | 9,184 |
| Applicable income taxes | $3,986,000 | 733 |
| Income before extraordinary items | $6,422,000 | 980 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,422,000 | 982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,417 |
| Cash dividends | $2,397,000 | 1,139 |
| Sale, conversion, retirement of capital stock, net | $317,000 | 525 |
| Net operating income | $6,527,600 | 916 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,916,000 | 1,425 |
| Total interest expense | $8,788,000 | 1,840 |
| Net interest income | $15,128,000 | 1,173 |
| Provision for loan and lease losses | $696,000 | 1,677 |
| Total noninterest income | $1,090,000 | 3,141 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $507,000 | 2,813 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $583,000 | 2,878 |
| Total noninterest expense | $6,437,000 | 2,227 |
| Salaries and employee benefits | $3,642,000 | 2,069 |
| Premises and equipment expense | $735,000 | 2,835 |
| Additional noninterest expense | $2,060,000 | 2,182 |
| Pre-tax net operating income | $9,085,000 | 836 |
| Securities gains (losses) | $-8,000 | 9,262 |
| Applicable income taxes | $3,473,000 | 741 |
| Income before extraordinary items | $5,604,000 | 980 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,604,000 | 981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,506 |
| Cash dividends | $1,992,000 | 1,350 |
| Sale, conversion, retirement of capital stock, net | $107,000 | 642 |
| Net operating income | $5,609,120 | 938 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,283,000 | 1,621 |
| Total interest expense | $9,161,000 | 1,880 |
| Net interest income | $12,122,000 | 1,448 |
| Provision for loan and lease losses | $238,000 | 3,398 |
| Total noninterest income | $979,000 | 3,187 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $451,000 | 2,959 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $528,000 | 2,862 |
| Total noninterest expense | $5,948,000 | 2,296 |
| Salaries and employee benefits | $3,072,000 | 2,331 |
| Premises and equipment expense | $585,000 | 3,343 |
| Additional noninterest expense | $2,291,000 | 1,904 |
| Pre-tax net operating income | $6,915,000 | 1,099 |
| Securities gains (losses) | $120,000 | 524 |
| Applicable income taxes | $2,662,000 | 914 |
| Income before extraordinary items | $4,373,000 | 1,208 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,373,000 | 1,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $1,710,000 | 1,511 |
| Sale, conversion, retirement of capital stock, net | $233,000 | 621 |
| Net operating income | $4,296,200 | 1,223 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,352,000 | 1,774 |
| Total interest expense | $7,424,000 | 2,010 |
| Net interest income | $10,928,000 | 1,586 |
| Provision for loan and lease losses | $584,000 | 1,564 |
| Total noninterest income | $938,000 | 3,242 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $436,000 | 2,976 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $502,000 | 2,950 |
| Total noninterest expense | $4,777,000 | 2,830 |
| Salaries and employee benefits | $2,785,000 | 2,522 |
| Premises and equipment expense | $560,000 | 3,443 |
| Additional noninterest expense | $1,432,000 | 2,972 |
| Pre-tax net operating income | $6,505,000 | 1,185 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,458,000 | 1,030 |
| Income before extraordinary items | $4,047,000 | 1,341 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,047,000 | 1,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $1,914,000 | 1,420 |
| Sale, conversion, retirement of capital stock, net | $397,000 | 640 |
| Net operating income | $4,047,000 | 1,317 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,177,000 | 2,009 |
| Total interest expense | $6,836,000 | 2,220 |
| Net interest income | $9,341,000 | 1,831 |
| Provision for loan and lease losses | $719,000 | 1,286 |
| Total noninterest income | $972,000 | 3,148 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $365,000 | 3,393 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $607,000 | 2,631 |
| Total noninterest expense | $4,432,000 | 2,925 |
| Salaries and employee benefits | $2,565,000 | 2,638 |
| Premises and equipment expense | $571,000 | 3,319 |
| Additional noninterest expense | $1,296,000 | 3,147 |
| Pre-tax net operating income | $5,162,000 | 1,433 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,907,000 | 1,325 |
| Income before extraordinary items | $3,255,000 | 1,617 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,255,000 | 1,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,860 |
| Cash dividends | $732,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $178,000 | 692 |
| Net operating income | $3,255,000 | 1,558 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,942,000 | 2,539 |
| Total interest expense | $5,499,000 | 2,726 |
| Net interest income | $7,443,000 | 2,345 |
| Provision for loan and lease losses | $174,000 | 3,820 |
| Total noninterest income | $568,000 | 4,583 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $300,000 | 4,075 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $268,000 | 4,189 |
| Total noninterest expense | $3,845,000 | 3,289 |
| Salaries and employee benefits | $2,156,000 | 3,075 |
| Premises and equipment expense | $480,000 | 3,846 |
| Additional noninterest expense | $1,209,000 | 3,335 |
| Pre-tax net operating income | $3,992,000 | 1,885 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,478,000 | 1,729 |
| Income before extraordinary items | $2,514,000 | 2,099 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,514,000 | 2,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,790 |
| Cash dividends | $182,000 | 5,591 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 761 |
| Net operating income | $2,514,000 | 2,052 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,213,000 | 3,220 |
| Total interest expense | $4,526,000 | 3,301 |
| Net interest income | $5,687,000 | 3,112 |
| Provision for loan and lease losses | $283,000 | 2,703 |
| Total noninterest income | $390,000 | 6,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,270 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,561 |
| Total noninterest expense | $3,015,000 | 4,292 |
| Salaries and employee benefits | $1,766,000 | 3,737 |
| Premises and equipment expense | $310,000 | 5,456 |
| Additional noninterest expense | $939,000 | 4,626 |
| Pre-tax net operating income | $2,779,000 | 2,526 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $995,000 | 2,357 |
| Income before extraordinary items | $1,784,000 | 2,724 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,784,000 | 2,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,856 |
| Cash dividends | $97,000 | 6,799 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 749 |
| Net operating income | $1,784,000 | 2,676 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,416,000 | 3,844 |
| Total interest expense | $3,708,000 | 3,952 |
| Net interest income | $4,708,000 | 3,733 |
| Provision for loan and lease losses | $247,000 | 2,594 |
| Total noninterest income | $289,000 | 7,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,525 |
| Total noninterest expense | $2,232,000 | 5,488 |
| Salaries and employee benefits | $1,282,000 | 4,918 |
| Premises and equipment expense | $200,000 | 7,189 |
| Additional noninterest expense | $750,000 | 5,526 |
| Pre-tax net operating income | $2,518,000 | 2,823 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $917,000 | 2,561 |
| Income before extraordinary items | $1,602,000 | 3,055 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,602,000 | 3,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $90,000 | 6,999 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 671 |
| Net operating income | $1,601,360 | 3,029 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,120,000 | 4,777 |
| Total interest expense | $2,189,000 | 5,185 |
| Net interest income | $3,931,000 | 4,457 |
| Provision for loan and lease losses | $235,000 | 2,747 |
| Total noninterest income | $302,000 | 7,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 6,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 6,154 |
| Total noninterest expense | $1,694,000 | 7,012 |
| Salaries and employee benefits | $879,000 | 6,753 |
| Premises and equipment expense | $143,000 | 8,743 |
| Additional noninterest expense | $672,000 | 6,522 |
| Pre-tax net operating income | $2,304,000 | 3,046 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $876,000 | 2,559 |
| Income before extraordinary items | $1,431,000 | 3,297 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,431,000 | 3,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $81,000 | 7,276 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 960 |
| Net operating income | $1,429,080 | 3,333 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,098,000 | 5,679 |
| Total interest expense | $1,856,000 | 6,195 |
| Net interest income | $3,242,000 | 5,289 |
| Provision for loan and lease losses | $297,000 | 3,058 |
| Total noninterest income | $306,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,832 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,898 |
| Total noninterest expense | $1,437,000 | 8,055 |
| Salaries and employee benefits | $754,000 | 7,618 |
| Premises and equipment expense | $98,000 | 10,504 |
| Additional noninterest expense | $585,000 | 7,472 |
| Pre-tax net operating income | $1,814,000 | 3,651 |
| Securities gains (losses) | $75,000 | 2,875 |
| Applicable income taxes | $717,000 | 3,051 |
| Income before extraordinary items | $1,172,000 | 4,105 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,172,000 | 4,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 5,209 |
| Cash dividends | $73,000 | 7,470 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 1,043 |
| Net operating income | $1,124,000 | 4,030 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,142,000 | 7,330 |
| Total interest expense | $1,794,000 | 7,634 |
| Net interest income | $2,348,000 | 6,895 |
| Provision for loan and lease losses | $315,000 | 4,000 |
| Total noninterest income | $214,000 | 9,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 7,510 |
| Total noninterest expense | $1,217,000 | 8,968 |
| Salaries and employee benefits | $640,000 | 8,450 |
| Premises and equipment expense | $105,000 | 10,550 |
| Additional noninterest expense | $472,000 | 8,729 |
| Pre-tax net operating income | $1,030,000 | 5,508 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $349,000 | 5,368 |
| Income before extraordinary items | $699,000 | 5,933 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $699,000 | 6,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $762,000 | 464 |
| Net operating income | $686,940 | 5,667 |
* 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.