Home > Community Bank & Trust Company > Income and Expense
Community Bank & Trust Company, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $0 | 8,382 |
| Total interest expense | $0 | 8,371 |
| Net interest income | $0 | 8,379 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $0 | 8,226 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $0 | 7,386 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $0 | 8,105 |
| Total noninterest expense | $0 | 8,381 |
| Salaries and employee benefits | $0 | 8,359 |
| Premises and equipment expense | $0 | 8,353 |
| Additional noninterest expense | $0 | 8,380 |
| Pre-tax net operating income | $0 | 6,729 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $0 | 6,595 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $0 | 6,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $0 | 6,761 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $0 | 8,451 |
| Total interest expense | $0 | 8,437 |
| Net interest income | $0 | 8,444 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $0 | 8,311 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $0 | 7,428 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $0 | 8,191 |
| Total noninterest expense | $0 | 8,449 |
| Salaries and employee benefits | $0 | 8,428 |
| Premises and equipment expense | $0 | 8,420 |
| Additional noninterest expense | $0 | 8,449 |
| Pre-tax net operating income | $0 | 6,933 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $0 | 7,012 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $0 | 7,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $0 | 6,962 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $0 | 8,492 |
| Total interest expense | $0 | 8,478 |
| Net interest income | $0 | 8,488 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $0 | 8,338 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $0 | 8,220 |
| Total noninterest expense | $0 | 8,492 |
| Salaries and employee benefits | $0 | 8,470 |
| Premises and equipment expense | $0 | 8,457 |
| Additional noninterest expense | $0 | 8,491 |
| Pre-tax net operating income | $0 | 7,159 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $0 | 7,271 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $0 | 7,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $0 | 7,179 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $0 | 8,532 |
| Total interest expense | $0 | 8,522 |
| Net interest income | $0 | 8,530 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $0 | 8,422 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $0 | 7,508 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $0 | 8,329 |
| Total noninterest expense | $0 | 8,532 |
| Salaries and employee benefits | $0 | 8,511 |
| Premises and equipment expense | $0 | 8,507 |
| Additional noninterest expense | $0 | 8,530 |
| Pre-tax net operating income | $0 | 7,429 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $0 | 7,497 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $0 | 7,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $-750,000 | 8,486 |
| Net operating income | $0 | 7,468 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $0 | 8,558 |
| Total interest expense | $0 | 8,544 |
| Net interest income | $0 | 8,556 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $0 | 8,457 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $0 | 8,377 |
| Total noninterest expense | $0 | 8,557 |
| Salaries and employee benefits | $0 | 8,536 |
| Premises and equipment expense | $0 | 8,525 |
| Additional noninterest expense | $0 | 8,553 |
| Pre-tax net operating income | $0 | 7,638 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $0 | 7,678 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $0 | 7,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $-750,000 | 8,524 |
| Net operating income | $0 | 7,654 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,572,000 | 4,032 |
| Total interest expense | $1,656,000 | 4,494 |
| Net interest income | $2,916,000 | 3,623 |
| Provision for loan and lease losses | $1,093,000 | 548 |
| Total noninterest income | $504,000 | 3,540 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $419,000 | 2,032 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $85,000 | 5,398 |
| Total noninterest expense | $2,743,000 | 3,206 |
| Salaries and employee benefits | $1,179,000 | 3,906 |
| Premises and equipment expense | $352,000 | 3,426 |
| Additional noninterest expense | $1,212,000 | 2,194 |
| Pre-tax net operating income | $-416,000 | 8,241 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-144,000 | 8,429 |
| Income before extraordinary items | $-272,000 | 8,178 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-272,000 | 8,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,388,000 | 358 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-272,000 | 8,164 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,319,000 | 3,984 |
| Total interest expense | $833,000 | 4,464 |
| Net interest income | $1,486,000 | 3,559 |
| Provision for loan and lease losses | $138,000 | 1,598 |
| Total noninterest income | $259,000 | 3,444 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $172,000 | 2,335 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $87,000 | 4,037 |
| Total noninterest expense | $1,394,000 | 3,164 |
| Salaries and employee benefits | $586,000 | 3,952 |
| Premises and equipment expense | $191,000 | 3,230 |
| Additional noninterest expense | $617,000 | 2,127 |
| Pre-tax net operating income | $213,000 | 5,376 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $79,000 | 3,593 |
| Income before extraordinary items | $134,000 | 5,876 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $134,000 | 5,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $134,000 | 5,854 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,602,000 | 3,426 |
| Total interest expense | $3,611,000 | 3,836 |
| Net interest income | $6,991,000 | 3,108 |
| Provision for loan and lease losses | $1,344,000 | 779 |
| Total noninterest income | $1,173,000 | 3,170 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $824,000 | 2,068 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $349,000 | 4,002 |
| Total noninterest expense | $5,429,000 | 3,124 |
| Salaries and employee benefits | $2,538,000 | 3,574 |
| Premises and equipment expense | $673,000 | 3,434 |
| Additional noninterest expense | $2,218,000 | 2,341 |
| Pre-tax net operating income | $1,391,000 | 4,461 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $532,000 | 3,074 |
| Income before extraordinary items | $859,000 | 5,054 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $859,000 | 5,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,807,000 | 428 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $859,000 | 5,043 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,006,000 | 3,374 |
| Total interest expense | $2,691,000 | 3,778 |
| Net interest income | $5,315,000 | 3,100 |
| Provision for loan and lease losses | $1,269,000 | 621 |
| Total noninterest income | $914,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $641,000 | 2,003 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $273,000 | 3,916 |
| Total noninterest expense | $4,071,000 | 3,123 |
| Salaries and employee benefits | $1,934,000 | 3,539 |
| Premises and equipment expense | $514,000 | 3,398 |
| Additional noninterest expense | $1,623,000 | 2,380 |
| Pre-tax net operating income | $889,000 | 5,001 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $339,000 | 3,417 |
| Income before extraordinary items | $550,000 | 5,558 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $550,000 | 5,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,277,000 | 380 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $550,000 | 5,558 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,233,000 | 3,382 |
| Total interest expense | $1,694,000 | 3,809 |
| Net interest income | $3,539,000 | 3,102 |
| Provision for loan and lease losses | $1,184,000 | 438 |
| Total noninterest income | $598,000 | 3,126 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $417,000 | 2,027 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $181,000 | 3,931 |
| Total noninterest expense | $2,658,000 | 3,182 |
| Salaries and employee benefits | $1,286,000 | 3,559 |
| Premises and equipment expense | $346,000 | 3,355 |
| Additional noninterest expense | $1,026,000 | 2,496 |
| Pre-tax net operating income | $295,000 | 6,495 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $113,000 | 4,369 |
| Income before extraordinary items | $182,000 | 6,897 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $182,000 | 6,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,053,000 | 326 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $182,000 | 6,902 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,547,000 | 3,394 |
| Total interest expense | $811,000 | 3,783 |
| Net interest income | $1,736,000 | 3,154 |
| Provision for loan and lease losses | $1,053,000 | 251 |
| Total noninterest income | $317,000 | 2,975 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $206,000 | 1,997 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $111,000 | 3,525 |
| Total noninterest expense | $1,357,000 | 3,146 |
| Salaries and employee benefits | $655,000 | 3,518 |
| Premises and equipment expense | $181,000 | 3,256 |
| Additional noninterest expense | $521,000 | 2,459 |
| Pre-tax net operating income | $-357,000 | 8,641 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-139,000 | 8,717 |
| Income before extraordinary items | $-218,000 | 8,583 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-218,000 | 8,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $890,000 | 228 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-218,000 | 8,574 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,997,000 | 3,155 |
| Total interest expense | $2,933,000 | 3,395 |
| Net interest income | $7,064,000 | 3,020 |
| Provision for loan and lease losses | $1,640,000 | 652 |
| Total noninterest income | $1,227,000 | 3,096 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $925,000 | 1,854 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $302,000 | 4,318 |
| Total noninterest expense | $5,723,000 | 2,870 |
| Salaries and employee benefits | $2,816,000 | 3,142 |
| Premises and equipment expense | $764,000 | 3,015 |
| Additional noninterest expense | $2,143,000 | 2,333 |
| Pre-tax net operating income | $928,000 | 5,561 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $356,000 | 3,881 |
| Income before extraordinary items | $572,000 | 6,102 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $572,000 | 6,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,316,000 | 552 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $572,000 | 6,075 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,350,000 | 3,156 |
| Total interest expense | $2,094,000 | 3,392 |
| Net interest income | $5,256,000 | 3,022 |
| Provision for loan and lease losses | $548,000 | 1,293 |
| Total noninterest income | $910,000 | 3,123 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $694,000 | 1,848 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $216,000 | 4,429 |
| Total noninterest expense | $4,341,000 | 2,814 |
| Salaries and employee benefits | $2,120,000 | 3,108 |
| Premises and equipment expense | $575,000 | 2,991 |
| Additional noninterest expense | $1,646,000 | 2,242 |
| Pre-tax net operating income | $1,277,000 | 4,159 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $492,000 | 2,976 |
| Income before extraordinary items | $785,000 | 4,808 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $785,000 | 4,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 1,195 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $785,000 | 4,777 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,703,000 | 3,195 |
| Total interest expense | $1,311,000 | 3,402 |
| Net interest income | $3,392,000 | 3,070 |
| Provision for loan and lease losses | $360,000 | 1,295 |
| Total noninterest income | $579,000 | 3,185 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $440,000 | 1,913 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $139,000 | 4,488 |
| Total noninterest expense | $2,854,000 | 2,832 |
| Salaries and employee benefits | $1,392,000 | 3,132 |
| Premises and equipment expense | $369,000 | 3,055 |
| Additional noninterest expense | $1,093,000 | 2,241 |
| Pre-tax net operating income | $757,000 | 4,416 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $292,000 | 3,148 |
| Income before extraordinary items | $465,000 | 5,057 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $465,000 | 5,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,586 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $465,000 | 5,011 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,270,000 | 3,255 |
| Total interest expense | $618,000 | 3,434 |
| Net interest income | $1,652,000 | 3,134 |
| Provision for loan and lease losses | $98,000 | 2,104 |
| Total noninterest income | $292,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $212,000 | 1,908 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $80,000 | 4,199 |
| Total noninterest expense | $1,378,000 | 2,925 |
| Salaries and employee benefits | $686,000 | 3,180 |
| Premises and equipment expense | $185,000 | 3,071 |
| Additional noninterest expense | $507,000 | 2,404 |
| Pre-tax net operating income | $468,000 | 3,854 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $180,000 | 2,765 |
| Income before extraordinary items | $288,000 | 4,485 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $288,000 | 4,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 1,591 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $288,000 | 4,442 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,338,000 | 4,633 |
| Total interest expense | $1,494,000 | 4,517 |
| Net interest income | $3,844,000 | 4,611 |
| Provision for loan and lease losses | $259,000 | 3,198 |
| Total noninterest income | $876,000 | 3,838 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $703,000 | 2,360 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $173,000 | 5,410 |
| Total noninterest expense | $3,682,000 | 3,999 |
| Salaries and employee benefits | $1,786,000 | 4,367 |
| Premises and equipment expense | $596,000 | 3,549 |
| Additional noninterest expense | $1,300,000 | 3,527 |
| Pre-tax net operating income | $779,000 | 5,855 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $302,000 | 4,161 |
| Income before extraordinary items | $477,000 | 6,446 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $477,000 | 6,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,704 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $477,000 | 6,380 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,177,000 | 5,360 |
| Total interest expense | $873,000 | 5,176 |
| Net interest income | $2,304,000 | 5,333 |
| Provision for loan and lease losses | $139,000 | 3,683 |
| Total noninterest income | $591,000 | 4,122 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $442,000 | 2,764 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $149,000 | 5,142 |
| Total noninterest expense | $2,189,000 | 4,712 |
| Salaries and employee benefits | $1,154,000 | 4,809 |
| Premises and equipment expense | $329,000 | 4,482 |
| Additional noninterest expense | $706,000 | 4,487 |
| Pre-tax net operating income | $567,000 | 6,031 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $219,000 | 4,308 |
| Income before extraordinary items | $348,000 | 6,618 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $348,000 | 6,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 3,251 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $348,000 | 6,551 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,220,000 | 6,982 |
| Total interest expense | $333,000 | 6,738 |
| Net interest income | $887,000 | 6,980 |
| Provision for loan and lease losses | $52,000 | 4,649 |
| Total noninterest income | $225,000 | 5,566 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $176,000 | 3,970 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $824,000 | 6,638 |
| Salaries and employee benefits | $399,000 | 6,951 |
| Premises and equipment expense | $132,000 | 6,048 |
| Additional noninterest expense | $293,000 | 6,043 |
| Pre-tax net operating income | $236,000 | 6,930 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $91,000 | 4,952 |
| Income before extraordinary items | $145,000 | 7,372 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $145,000 | 7,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $585,000 | 1,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $145,000 | 7,303 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,841,000 | 3,625 |
| Total interest expense | $496,000 | 3,673 |
| Net interest income | $1,345,000 | 3,555 |
| Provision for loan and lease losses | $308,000 | 771 |
| Total noninterest income | $339,000 | 2,850 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $235,000 | 1,811 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $104,000 | 3,624 |
| Total noninterest expense | $1,178,000 | 3,276 |
| Salaries and employee benefits | $601,000 | 3,449 |
| Premises and equipment expense | $210,000 | 2,683 |
| Additional noninterest expense | $367,000 | 3,156 |
| Pre-tax net operating income | $198,000 | 5,843 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $198,000 | 5,376 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $198,000 | 5,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 682 |
| Cash dividends | $368,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $198,000 | 5,246 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,650,000 | 3,563 |
| Total interest expense | $2,152,000 | 3,795 |
| Net interest income | $5,498,000 | 3,425 |
| Provision for loan and lease losses | $330,000 | 2,962 |
| Total noninterest income | $1,459,000 | 2,907 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,042,000 | 1,650 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $417,000 | 3,902 |
| Total noninterest expense | $4,978,000 | 3,059 |
| Salaries and employee benefits | $2,670,000 | 3,088 |
| Premises and equipment expense | $822,000 | 2,688 |
| Additional noninterest expense | $1,486,000 | 3,108 |
| Pre-tax net operating income | $1,649,000 | 3,872 |
| Securities gains (losses) | $46,000 | 2,589 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,695,000 | 3,242 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,695,000 | 3,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 2,400 |
| Cash dividends | $1,258,000 | 1,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,649,000 | 3,169 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,726,000 | 3,610 |
| Total interest expense | $1,658,000 | 3,828 |
| Net interest income | $4,068,000 | 3,477 |
| Provision for loan and lease losses | $243,000 | 2,906 |
| Total noninterest income | $1,114,000 | 2,927 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $782,000 | 1,651 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $332,000 | 3,874 |
| Total noninterest expense | $3,706,000 | 3,069 |
| Salaries and employee benefits | $1,950,000 | 3,171 |
| Premises and equipment expense | $617,000 | 2,705 |
| Additional noninterest expense | $1,139,000 | 3,033 |
| Pre-tax net operating income | $1,233,000 | 3,996 |
| Securities gains (losses) | $46,000 | 2,381 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,279,000 | 3,328 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,279,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,229 |
| Cash dividends | $884,000 | 1,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,233,000 | 3,258 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,818,000 | 3,638 |
| Total interest expense | $1,124,000 | 3,883 |
| Net interest income | $2,694,000 | 3,492 |
| Provision for loan and lease losses | $118,000 | 3,606 |
| Total noninterest income | $750,000 | 2,879 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $518,000 | 1,631 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $232,000 | 3,755 |
| Total noninterest expense | $2,516,000 | 3,031 |
| Salaries and employee benefits | $1,338,000 | 3,078 |
| Premises and equipment expense | $415,000 | 2,685 |
| Additional noninterest expense | $763,000 | 2,994 |
| Pre-tax net operating income | $810,000 | 4,022 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $812,000 | 3,475 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $812,000 | 3,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,364 |
| Cash dividends | $521,000 | 2,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $810,000 | 3,291 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,914,000 | 3,661 |
| Total interest expense | $589,000 | 3,808 |
| Net interest income | $1,325,000 | 3,526 |
| Provision for loan and lease losses | $54,000 | 3,580 |
| Total noninterest income | $403,000 | 2,659 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $255,000 | 1,610 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $148,000 | 3,237 |
| Total noninterest expense | $1,297,000 | 2,950 |
| Salaries and employee benefits | $677,000 | 3,039 |
| Premises and equipment expense | $207,000 | 2,693 |
| Additional noninterest expense | $413,000 | 2,781 |
| Pre-tax net operating income | $377,000 | 4,190 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $379,000 | 3,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 3,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,251 |
| Cash dividends | $202,000 | 2,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $377,000 | 3,449 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,684,000 | 3,404 |
| Total interest expense | $3,019,000 | 3,524 |
| Net interest income | $5,665,000 | 3,295 |
| Provision for loan and lease losses | $458,000 | 2,542 |
| Total noninterest income | $1,367,000 | 2,803 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,087,000 | 1,486 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $280,000 | 4,398 |
| Total noninterest expense | $5,244,000 | 2,801 |
| Salaries and employee benefits | $2,825,000 | 2,784 |
| Premises and equipment expense | $846,000 | 2,552 |
| Additional noninterest expense | $1,573,000 | 2,848 |
| Pre-tax net operating income | $1,330,000 | 4,427 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,347,000 | 3,792 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,347,000 | 3,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 1,794 |
| Cash dividends | $1,266,000 | 1,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,330,000 | 3,721 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,850,000 | 3,090 |
| Total interest expense | $4,789,000 | 3,271 |
| Net interest income | $6,061,000 | 2,925 |
| Provision for loan and lease losses | $367,000 | 2,795 |
| Total noninterest income | $994,000 | 3,353 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $793,000 | 1,916 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $201,000 | 4,919 |
| Total noninterest expense | $5,091,000 | 2,783 |
| Salaries and employee benefits | $2,821,000 | 2,659 |
| Premises and equipment expense | $761,000 | 2,758 |
| Additional noninterest expense | $1,509,000 | 2,853 |
| Pre-tax net operating income | $1,597,000 | 3,704 |
| Securities gains (losses) | $65,000 | 2,113 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,662,000 | 2,981 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,662,000 | 2,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 2,151 |
| Cash dividends | $1,308,000 | 1,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,597,000 | 2,980 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,463,000 | 3,278 |
| Total interest expense | $5,050,000 | 3,286 |
| Net interest income | $5,413,000 | 3,251 |
| Provision for loan and lease losses | $303,000 | 2,805 |
| Total noninterest income | $950,000 | 3,247 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $571,000 | 2,387 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $379,000 | 3,473 |
| Total noninterest expense | $4,558,000 | 2,959 |
| Salaries and employee benefits | $2,666,000 | 2,667 |
| Premises and equipment expense | $690,000 | 2,905 |
| Additional noninterest expense | $1,202,000 | 3,425 |
| Pre-tax net operating income | $1,502,000 | 4,065 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,502,000 | 3,249 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,502,000 | 3,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,805 |
| Cash dividends | $1,320,000 | 1,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,502,000 | 3,247 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,848,000 | 3,582 |
| Total interest expense | $4,004,000 | 3,586 |
| Net interest income | $4,844,000 | 3,543 |
| Provision for loan and lease losses | $230,000 | 3,261 |
| Total noninterest income | $872,000 | 3,413 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $513,000 | 2,571 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $359,000 | 3,651 |
| Total noninterest expense | $4,092,000 | 3,248 |
| Salaries and employee benefits | $2,337,000 | 2,994 |
| Premises and equipment expense | $586,000 | 3,336 |
| Additional noninterest expense | $1,169,000 | 3,517 |
| Pre-tax net operating income | $1,394,000 | 4,303 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,394,000 | 3,432 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,394,000 | 3,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,405 |
| Cash dividends | $998,000 | 2,307 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 434 |
| Net operating income | $1,394,000 | 3,399 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,357,000 | 3,778 |
| Total interest expense | $3,703,000 | 3,931 |
| Net interest income | $4,654,000 | 3,637 |
| Provision for loan and lease losses | $171,000 | 3,894 |
| Total noninterest income | $584,000 | 4,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $456,000 | 2,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,053 |
| Total noninterest expense | $3,721,000 | 3,433 |
| Salaries and employee benefits | $2,151,000 | 3,115 |
| Premises and equipment expense | $493,000 | 3,754 |
| Additional noninterest expense | $1,077,000 | 3,700 |
| Pre-tax net operating income | $1,346,000 | 4,507 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,346,000 | 3,562 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,346,000 | 3,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,338 |
| Cash dividends | $844,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,346,000 | 3,462 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,001,000 | 5,078 |
| Total interest expense | $2,402,000 | 5,564 |
| Net interest income | $3,599,000 | 4,633 |
| Provision for loan and lease losses | $294,000 | 2,677 |
| Total noninterest income | $484,000 | 5,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,314 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,866 |
| Total noninterest expense | $3,264,000 | 3,828 |
| Salaries and employee benefits | $1,858,000 | 3,530 |
| Premises and equipment expense | $386,000 | 4,562 |
| Additional noninterest expense | $1,020,000 | 3,832 |
| Pre-tax net operating income | $529,000 | 7,767 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $529,000 | 6,806 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $529,000 | 6,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $334,000 | 4,336 |
| Sale, conversion, retirement of capital stock, net | $2,200,000 | 359 |
| Net operating income | $529,000 | 6,745 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,152,000 | 5,810 |
| Total interest expense | $1,821,000 | 6,799 |
| Net interest income | $3,331,000 | 5,037 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $470,000 | 5,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $388,000 | 3,423 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,682 |
| Total noninterest expense | $2,826,000 | 4,512 |
| Salaries and employee benefits | $1,630,000 | 4,001 |
| Premises and equipment expense | $342,000 | 5,088 |
| Additional noninterest expense | $854,000 | 4,941 |
| Pre-tax net operating income | $975,000 | 5,835 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $388,000 | 4,983 |
| Income before extraordinary items | $587,000 | 6,346 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $587,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,696 |
| Cash dividends | $360,000 | 4,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $587,000 | 6,276 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,092,000 | 5,905 |
| Total interest expense | $1,716,000 | 7,099 |
| Net interest income | $3,376,000 | 5,006 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $485,000 | 5,299 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,353 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,842 |
| Total noninterest expense | $2,712,000 | 4,661 |
| Salaries and employee benefits | $1,555,000 | 4,158 |
| Premises and equipment expense | $307,000 | 5,528 |
| Additional noninterest expense | $850,000 | 4,992 |
| Pre-tax net operating income | $1,137,000 | 5,460 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $422,000 | 4,758 |
| Income before extraordinary items | $715,000 | 5,890 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $715,000 | 5,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,003 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $715,000 | 5,870 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,850,000 | 6,884 |
| Total interest expense | $1,001,000 | 8,694 |
| Net interest income | $2,849,000 | 5,829 |
| Provision for loan and lease losses | $44,000 | 6,435 |
| Total noninterest income | $515,000 | 5,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $429,000 | 3,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $2,571,000 | 5,029 |
| Salaries and employee benefits | $1,435,000 | 4,451 |
| Premises and equipment expense | $330,000 | 5,310 |
| Additional noninterest expense | $806,000 | 5,669 |
| Pre-tax net operating income | $749,000 | 7,134 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $271,000 | 6,237 |
| Income before extraordinary items | $478,000 | 7,472 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $478,000 | 7,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $478,000 | 7,516 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,798,000 | 7,124 |
| Total interest expense | $925,000 | 9,447 |
| Net interest income | $2,873,000 | 5,846 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $599,000 | 4,967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $446,000 | 3,115 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 6,500 |
| Total noninterest expense | $2,225,000 | 5,809 |
| Salaries and employee benefits | $1,103,000 | 5,633 |
| Premises and equipment expense | $242,000 | 6,848 |
| Additional noninterest expense | $880,000 | 5,474 |
| Pre-tax net operating income | $1,222,000 | 5,119 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $447,000 | 4,608 |
| Income before extraordinary items | $775,000 | 5,700 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $775,000 | 5,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 12,622 |
| Cash dividends | $25,000 | 8,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $775,000 | 5,464 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 8,291 |
| Total interest expense | $1,195,000 | 9,623 |
| Net interest income | $2,233,000 | 7,170 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $671,000 | 4,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $503,000 | 2,761 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 6,255 |
| Total noninterest expense | $1,973,000 | 6,450 |
| Salaries and employee benefits | $968,000 | 6,211 |
| Premises and equipment expense | $207,000 | 7,676 |
| Additional noninterest expense | $798,000 | 6,083 |
| Pre-tax net operating income | $931,000 | 5,938 |
| Securities gains (losses) | $80,000 | 3,372 |
| Applicable income taxes | $368,000 | 5,114 |
| Income before extraordinary items | $643,000 | 6,265 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $643,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 6,145 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $591,800 | 6,275 |
* 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.