Home > Community Trust Bank > Income and Expense
Community Trust Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,599,000 | 6,632 |
| Total interest expense | $1,110,000 | 5,321 |
| Net interest income | $489,000 | 7,729 |
| Provision for loan and lease losses | $-32,000 | 8,364 |
| Total noninterest income | $-1,146,000 | 8,433 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $261,000 | 2,910 |
| Trading account gains and fees | $55,000 | 105 |
| Additional Noninterest Income | $-1,462,000 | 8,445 |
| Total noninterest expense | $1,395,000 | 5,360 |
| Salaries and employee benefits | $521,000 | 6,391 |
| Premises and equipment expense | $93,000 | 6,876 |
| Additional noninterest expense | $781,000 | 3,421 |
| Pre-tax net operating income | $-2,020,000 | 8,162 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-737,000 | 8,226 |
| Income before extraordinary items | $-1,283,000 | 8,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,283,000 | 8,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,064 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,283,000 | 8,085 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,915,000 | 2,518 |
| Total interest expense | $2,852,000 | 1,649 |
| Net interest income | $1,063,000 | 4,418 |
| Provision for loan and lease losses | $2,510,000 | 339 |
| Total noninterest income | $183,000 | 4,179 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $387,000 | 1,130 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-204,000 | 8,466 |
| Total noninterest expense | $2,131,000 | 2,239 |
| Salaries and employee benefits | $852,000 | 2,990 |
| Premises and equipment expense | $255,000 | 2,626 |
| Additional noninterest expense | $1,024,000 | 1,407 |
| Pre-tax net operating income | $-3,395,000 | 8,411 |
| Securities gains (losses) | $19,000 | 1,626 |
| Applicable income taxes | $-1,294,000 | 8,414 |
| Income before extraordinary items | $-2,082,000 | 8,390 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,082,000 | 8,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,964,000 | 288 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-2,094,160 | 8,387 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $23,569,000 | 1,806 |
| Total interest expense | $12,901,000 | 1,563 |
| Net interest income | $10,668,000 | 2,123 |
| Provision for loan and lease losses | $7,741,000 | 300 |
| Total noninterest income | $1,027,000 | 3,483 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,546,000 | 1,154 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-519,000 | 8,523 |
| Total noninterest expense | $7,876,000 | 2,321 |
| Salaries and employee benefits | $4,095,000 | 2,447 |
| Premises and equipment expense | $897,000 | 2,808 |
| Additional noninterest expense | $2,884,000 | 1,904 |
| Pre-tax net operating income | $-3,922,000 | 8,420 |
| Securities gains (losses) | $4,000 | 1,644 |
| Applicable income taxes | $-1,589,000 | 8,445 |
| Income before extraordinary items | $-2,329,000 | 8,355 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,329,000 | 8,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,167,000 | 356 |
| Cash dividends | $1,455,000 | 2,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-2,331,560 | 8,343 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,263,000 | 1,760 |
| Total interest expense | $9,666,000 | 1,564 |
| Net interest income | $8,597,000 | 1,998 |
| Provision for loan and lease losses | $5,001,000 | 254 |
| Total noninterest income | $574,000 | 4,113 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,122,000 | 1,172 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-548,000 | 8,558 |
| Total noninterest expense | $5,888,000 | 2,308 |
| Salaries and employee benefits | $3,274,000 | 2,297 |
| Premises and equipment expense | $644,000 | 2,893 |
| Additional noninterest expense | $1,970,000 | 2,042 |
| Pre-tax net operating income | $-1,718,000 | 8,415 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-729,000 | 8,478 |
| Income before extraordinary items | $-989,000 | 8,327 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-989,000 | 8,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,062,000 | 289 |
| Cash dividends | $1,455,000 | 1,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-989,000 | 8,320 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,620,000 | 1,725 |
| Total interest expense | $6,304,000 | 1,602 |
| Net interest income | $6,316,000 | 1,822 |
| Provision for loan and lease losses | $460,000 | 1,097 |
| Total noninterest income | $1,144,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $724,000 | 1,222 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $420,000 | 2,504 |
| Total noninterest expense | $3,900,000 | 2,344 |
| Salaries and employee benefits | $2,210,000 | 2,305 |
| Premises and equipment expense | $429,000 | 2,927 |
| Additional noninterest expense | $1,261,000 | 2,125 |
| Pre-tax net operating income | $3,100,000 | 1,496 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,135,000 | 1,163 |
| Income before extraordinary items | $1,965,000 | 1,762 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,965,000 | 1,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 693 |
| Cash dividends | $983,000 | 1,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,965,000 | 1,749 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,274,000 | 1,730 |
| Total interest expense | $3,070,000 | 1,629 |
| Net interest income | $3,204,000 | 1,794 |
| Provision for loan and lease losses | $321,000 | 754 |
| Total noninterest income | $580,000 | 2,002 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $341,000 | 1,266 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $239,000 | 2,282 |
| Total noninterest expense | $1,974,000 | 2,312 |
| Salaries and employee benefits | $1,149,000 | 2,237 |
| Premises and equipment expense | $220,000 | 2,880 |
| Additional noninterest expense | $605,000 | 2,180 |
| Pre-tax net operating income | $1,489,000 | 1,556 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $540,000 | 1,219 |
| Income before extraordinary items | $949,000 | 1,797 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $949,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 1,105 |
| Cash dividends | $511,000 | 1,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $949,000 | 1,787 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,553,000 | 1,716 |
| Total interest expense | $10,282,000 | 1,637 |
| Net interest income | $13,271,000 | 1,732 |
| Provision for loan and lease losses | $2,288,000 | 495 |
| Total noninterest income | $2,347,000 | 1,974 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,600,000 | 1,105 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $747,000 | 2,683 |
| Total noninterest expense | $7,379,000 | 2,401 |
| Salaries and employee benefits | $4,472,000 | 2,187 |
| Premises and equipment expense | $876,000 | 2,775 |
| Additional noninterest expense | $2,031,000 | 2,537 |
| Pre-tax net operating income | $5,951,000 | 1,618 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $2,092,000 | 1,284 |
| Income before extraordinary items | $3,857,000 | 1,847 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,857,000 | 1,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,050 |
| Cash dividends | $1,668,000 | 1,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,858,300 | 1,825 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,005,000 | 1,770 |
| Total interest expense | $7,188,000 | 1,700 |
| Net interest income | $9,817,000 | 1,772 |
| Provision for loan and lease losses | $1,440,000 | 543 |
| Total noninterest income | $1,707,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,223,000 | 1,094 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $484,000 | 2,901 |
| Total noninterest expense | $5,528,000 | 2,399 |
| Salaries and employee benefits | $3,351,000 | 2,189 |
| Premises and equipment expense | $654,000 | 2,797 |
| Additional noninterest expense | $1,523,000 | 2,522 |
| Pre-tax net operating income | $4,556,000 | 1,631 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,626,000 | 1,308 |
| Income before extraordinary items | $2,930,000 | 1,871 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,930,000 | 1,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,490 |
| Cash dividends | $1,668,000 | 1,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,930,000 | 1,851 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,694,000 | 1,843 |
| Total interest expense | $4,360,000 | 1,772 |
| Net interest income | $6,334,000 | 1,834 |
| Provision for loan and lease losses | $991,000 | 519 |
| Total noninterest income | $1,124,000 | 2,044 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $816,000 | 1,090 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $308,000 | 2,969 |
| Total noninterest expense | $3,736,000 | 2,359 |
| Salaries and employee benefits | $2,305,000 | 2,132 |
| Premises and equipment expense | $428,000 | 2,824 |
| Additional noninterest expense | $1,003,000 | 2,559 |
| Pre-tax net operating income | $2,731,000 | 1,818 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $962,000 | 1,451 |
| Income before extraordinary items | $1,769,000 | 2,038 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,769,000 | 2,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,455 |
| Cash dividends | $1,668,000 | 955 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,769,000 | 2,030 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,063,000 | 1,892 |
| Total interest expense | $2,019,000 | 1,807 |
| Net interest income | $3,044,000 | 1,901 |
| Provision for loan and lease losses | $338,000 | 707 |
| Total noninterest income | $559,000 | 2,036 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $412,000 | 1,033 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $147,000 | 3,003 |
| Total noninterest expense | $1,861,000 | 2,379 |
| Salaries and employee benefits | $1,165,000 | 2,116 |
| Premises and equipment expense | $214,000 | 2,842 |
| Additional noninterest expense | $482,000 | 2,617 |
| Pre-tax net operating income | $1,404,000 | 1,725 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $496,000 | 1,411 |
| Income before extraordinary items | $908,000 | 1,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $908,000 | 1,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,062 |
| Cash dividends | $417,000 | 1,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $908,000 | 1,937 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,071,000 | 2,210 |
| Total interest expense | $5,243,000 | 2,104 |
| Net interest income | $9,828,000 | 2,252 |
| Provision for loan and lease losses | $694,000 | 1,442 |
| Total noninterest income | $2,631,000 | 1,793 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,735,000 | 1,015 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $896,000 | 2,369 |
| Total noninterest expense | $7,073,000 | 2,368 |
| Salaries and employee benefits | $4,448,000 | 2,072 |
| Premises and equipment expense | $755,000 | 3,043 |
| Additional noninterest expense | $1,870,000 | 2,657 |
| Pre-tax net operating income | $4,692,000 | 1,962 |
| Securities gains (losses) | $415,000 | 325 |
| Applicable income taxes | $1,767,000 | 1,504 |
| Income before extraordinary items | $3,340,000 | 2,055 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,340,000 | 2,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,698 |
| Cash dividends | $1,200,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,070,250 | 2,176 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,297,000 | 2,352 |
| Total interest expense | $3,494,000 | 2,223 |
| Net interest income | $6,803,000 | 2,407 |
| Provision for loan and lease losses | $320,000 | 2,078 |
| Total noninterest income | $2,049,000 | 1,744 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,303,000 | 1,009 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $746,000 | 2,217 |
| Total noninterest expense | $5,214,000 | 2,378 |
| Salaries and employee benefits | $3,286,000 | 2,083 |
| Premises and equipment expense | $551,000 | 3,086 |
| Additional noninterest expense | $1,377,000 | 2,677 |
| Pre-tax net operating income | $3,318,000 | 2,061 |
| Securities gains (losses) | $415,000 | 298 |
| Applicable income taxes | $1,273,000 | 1,572 |
| Income before extraordinary items | $2,460,000 | 2,092 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,460,000 | 2,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,490 |
| Cash dividends | $900,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,186,100 | 2,295 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,271,000 | 2,502 |
| Total interest expense | $2,062,000 | 2,372 |
| Net interest income | $4,209,000 | 2,538 |
| Provision for loan and lease losses | $163,000 | 2,500 |
| Total noninterest income | $1,372,000 | 1,718 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $871,000 | 980 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $501,000 | 2,176 |
| Total noninterest expense | $3,368,000 | 2,430 |
| Salaries and employee benefits | $2,121,000 | 2,136 |
| Premises and equipment expense | $351,000 | 3,182 |
| Additional noninterest expense | $896,000 | 2,716 |
| Pre-tax net operating income | $2,050,000 | 2,147 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $681,000 | 1,821 |
| Income before extraordinary items | $1,369,000 | 2,375 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,369,000 | 2,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,735 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,369,000 | 2,351 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,911,000 | 2,646 |
| Total interest expense | $932,000 | 2,476 |
| Net interest income | $1,979,000 | 2,668 |
| Provision for loan and lease losses | $68,000 | 2,703 |
| Total noninterest income | $683,000 | 1,684 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $425,000 | 972 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $258,000 | 2,107 |
| Total noninterest expense | $1,653,000 | 2,481 |
| Salaries and employee benefits | $1,025,000 | 2,216 |
| Premises and equipment expense | $166,000 | 3,360 |
| Additional noninterest expense | $462,000 | 2,627 |
| Pre-tax net operating income | $941,000 | 2,272 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $308,000 | 1,938 |
| Income before extraordinary items | $633,000 | 2,500 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $633,000 | 2,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 1,757 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $633,000 | 2,464 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,975,000 | 2,836 |
| Total interest expense | $3,112,000 | 2,545 |
| Net interest income | $6,863,000 | 2,942 |
| Provision for loan and lease losses | $86,000 | 5,249 |
| Total noninterest income | $3,000,000 | 1,606 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,876,000 | 932 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,124,000 | 1,997 |
| Total noninterest expense | $6,526,000 | 2,446 |
| Salaries and employee benefits | $3,988,000 | 2,177 |
| Premises and equipment expense | $654,000 | 3,306 |
| Additional noninterest expense | $1,884,000 | 2,552 |
| Pre-tax net operating income | $3,251,000 | 2,413 |
| Securities gains (losses) | $582,000 | 417 |
| Applicable income taxes | $1,233,000 | 1,867 |
| Income before extraordinary items | $2,600,000 | 2,346 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,600,000 | 2,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,059 |
| Cash dividends | $1,150,000 | 2,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,204,240 | 2,639 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,277,000 | 2,879 |
| Total interest expense | $2,231,000 | 2,606 |
| Net interest income | $5,046,000 | 2,973 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $2,246,000 | 1,621 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,399,000 | 939 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $847,000 | 1,995 |
| Total noninterest expense | $4,936,000 | 2,407 |
| Salaries and employee benefits | $3,000,000 | 2,170 |
| Premises and equipment expense | $486,000 | 3,334 |
| Additional noninterest expense | $1,450,000 | 2,463 |
| Pre-tax net operating income | $2,306,000 | 2,563 |
| Securities gains (losses) | $582,000 | 391 |
| Applicable income taxes | $907,000 | 1,934 |
| Income before extraordinary items | $1,981,000 | 2,336 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,981,000 | 2,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,870 |
| Cash dividends | $862,000 | 1,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,579,420 | 2,755 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,728,000 | 2,935 |
| Total interest expense | $1,416,000 | 2,699 |
| Net interest income | $3,312,000 | 3,012 |
| Provision for loan and lease losses | $17,000 | 6,044 |
| Total noninterest income | $1,492,000 | 1,604 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $908,000 | 958 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $584,000 | 1,964 |
| Total noninterest expense | $3,340,000 | 2,380 |
| Salaries and employee benefits | $2,022,000 | 2,151 |
| Premises and equipment expense | $328,000 | 3,302 |
| Additional noninterest expense | $990,000 | 2,408 |
| Pre-tax net operating income | $1,447,000 | 2,661 |
| Securities gains (losses) | $582,000 | 323 |
| Applicable income taxes | $650,000 | 1,811 |
| Income before extraordinary items | $1,379,000 | 2,232 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,379,000 | 2,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $575,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $983,240 | 2,891 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,313,000 | 2,998 |
| Total interest expense | $677,000 | 2,828 |
| Net interest income | $1,636,000 | 3,028 |
| Provision for loan and lease losses | $-9,000 | 8,920 |
| Total noninterest income | $707,000 | 1,651 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $434,000 | 975 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $273,000 | 1,999 |
| Total noninterest expense | $1,665,000 | 2,396 |
| Salaries and employee benefits | $1,000,000 | 2,195 |
| Premises and equipment expense | $162,000 | 3,373 |
| Additional noninterest expense | $503,000 | 2,349 |
| Pre-tax net operating income | $687,000 | 2,744 |
| Securities gains (losses) | $236,000 | 442 |
| Applicable income taxes | $288,000 | 1,989 |
| Income before extraordinary items | $635,000 | 2,369 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $635,000 | 2,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,486 |
| Cash dividends | $287,000 | 1,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $472,160 | 2,961 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,580,000 | 2,950 |
| Total interest expense | $3,033,000 | 2,835 |
| Net interest income | $6,547,000 | 2,935 |
| Provision for loan and lease losses | $125,000 | 4,861 |
| Total noninterest income | $3,151,000 | 1,618 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,825,000 | 940 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,326,000 | 1,983 |
| Total noninterest expense | $6,441,000 | 2,440 |
| Salaries and employee benefits | $3,858,000 | 2,202 |
| Premises and equipment expense | $701,000 | 3,077 |
| Additional noninterest expense | $1,882,000 | 2,536 |
| Pre-tax net operating income | $3,132,000 | 2,415 |
| Securities gains (losses) | $142,000 | 1,598 |
| Applicable income taxes | $952,000 | 2,250 |
| Income before extraordinary items | $2,322,000 | 2,539 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,322,000 | 2,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,648 |
| Cash dividends | $1,080,000 | 2,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,221,180 | 2,510 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,246,000 | 2,968 |
| Total interest expense | $2,361,000 | 2,829 |
| Net interest income | $4,885,000 | 2,957 |
| Provision for loan and lease losses | $87,000 | 5,029 |
| Total noninterest income | $2,420,000 | 1,631 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,352,000 | 966 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,068,000 | 1,959 |
| Total noninterest expense | $4,844,000 | 2,441 |
| Salaries and employee benefits | $2,961,000 | 2,161 |
| Premises and equipment expense | $536,000 | 3,035 |
| Additional noninterest expense | $1,347,000 | 2,620 |
| Pre-tax net operating income | $2,374,000 | 2,487 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $745,000 | 2,302 |
| Income before extraordinary items | $1,629,000 | 2,786 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,629,000 | 2,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,051 |
| Cash dividends | $810,000 | 1,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,629,000 | 2,638 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,946,000 | 2,925 |
| Total interest expense | $1,647,000 | 2,802 |
| Net interest income | $3,299,000 | 2,912 |
| Provision for loan and lease losses | $73,000 | 4,471 |
| Total noninterest income | $1,636,000 | 1,600 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $901,000 | 955 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $735,000 | 1,897 |
| Total noninterest expense | $3,216,000 | 2,442 |
| Salaries and employee benefits | $1,966,000 | 2,159 |
| Premises and equipment expense | $349,000 | 3,081 |
| Additional noninterest expense | $901,000 | 2,615 |
| Pre-tax net operating income | $1,646,000 | 2,404 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $517,000 | 2,265 |
| Income before extraordinary items | $1,129,000 | 2,710 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,129,000 | 2,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,623 |
| Cash dividends | $540,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,129,000 | 2,555 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 2,886 |
| Total interest expense | $866,000 | 2,734 |
| Net interest income | $1,657,000 | 2,892 |
| Provision for loan and lease losses | $64,000 | 3,180 |
| Total noninterest income | $814,000 | 1,558 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $442,000 | 944 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $372,000 | 1,829 |
| Total noninterest expense | $1,613,000 | 2,408 |
| Salaries and employee benefits | $981,000 | 2,156 |
| Premises and equipment expense | $170,000 | 3,154 |
| Additional noninterest expense | $462,000 | 2,509 |
| Pre-tax net operating income | $794,000 | 2,489 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $247,000 | 2,335 |
| Income before extraordinary items | $547,000 | 2,752 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $547,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $270,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $547,000 | 2,613 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,614,000 | 2,864 |
| Total interest expense | $3,813,000 | 2,860 |
| Net interest income | $6,801,000 | 2,803 |
| Provision for loan and lease losses | $244,000 | 3,919 |
| Total noninterest income | $2,749,000 | 1,657 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,686,000 | 955 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,063,000 | 2,094 |
| Total noninterest expense | $6,183,000 | 2,395 |
| Salaries and employee benefits | $3,519,000 | 2,271 |
| Premises and equipment expense | $736,000 | 2,869 |
| Additional noninterest expense | $1,928,000 | 2,388 |
| Pre-tax net operating income | $3,123,000 | 2,413 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $949,000 | 2,301 |
| Income before extraordinary items | $2,179,000 | 2,626 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,179,000 | 2,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,878 |
| Cash dividends | $750,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,175,500 | 2,540 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,688,000 | 2,897 |
| Total interest expense | $5,453,000 | 2,910 |
| Net interest income | $6,235,000 | 2,846 |
| Provision for loan and lease losses | $421,000 | 2,506 |
| Total noninterest income | $2,604,000 | 1,651 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,657,000 | 889 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $947,000 | 2,123 |
| Total noninterest expense | $6,219,000 | 2,294 |
| Salaries and employee benefits | $3,605,000 | 2,094 |
| Premises and equipment expense | $939,000 | 2,272 |
| Additional noninterest expense | $1,675,000 | 2,612 |
| Pre-tax net operating income | $2,199,000 | 2,958 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $602,000 | 2,964 |
| Income before extraordinary items | $1,597,000 | 3,075 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,597,000 | 3,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,297 |
| Cash dividends | $728,000 | 2,788 |
| 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 | $11,904,000 | 2,915 |
| Total interest expense | $5,507,000 | 3,032 |
| Net interest income | $6,397,000 | 2,779 |
| Provision for loan and lease losses | $311,000 | 2,755 |
| Total noninterest income | $1,456,000 | 2,400 |
| Gross Fiduciary activities income | $2,000 | 1,298 |
| Service charges on deposit accounts | $811,000 | 1,711 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $643,000 | 2,521 |
| Total noninterest expense | $5,635,000 | 2,432 |
| Salaries and employee benefits | $3,101,000 | 2,302 |
| Premises and equipment expense | $990,000 | 2,077 |
| Additional noninterest expense | $1,544,000 | 2,734 |
| Pre-tax net operating income | $1,907,000 | 3,446 |
| Securities gains (losses) | $155,000 | 466 |
| Applicable income taxes | $606,000 | 3,088 |
| Income before extraordinary items | $1,456,000 | 3,333 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,456,000 | 3,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,871 |
| Cash dividends | $603,000 | 3,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,345,950 | 3,530 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,481,000 | 3,384 |
| Total interest expense | $3,688,000 | 3,849 |
| Net interest income | $5,793,000 | 3,015 |
| Provision for loan and lease losses | $349,000 | 2,370 |
| Total noninterest income | $1,207,000 | 2,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $784,000 | 1,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $423,000 | 3,290 |
| Total noninterest expense | $4,984,000 | 2,715 |
| Salaries and employee benefits | $2,531,000 | 2,780 |
| Premises and equipment expense | $802,000 | 2,537 |
| Additional noninterest expense | $1,651,000 | 2,614 |
| Pre-tax net operating income | $1,667,000 | 3,814 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $461,000 | 3,799 |
| Income before extraordinary items | $1,206,000 | 3,861 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,206,000 | 3,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,462 |
| Cash dividends | $690,000 | 2,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,206,000 | 3,828 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,126,000 | 3,878 |
| Total interest expense | $3,223,000 | 4,452 |
| Net interest income | $4,903,000 | 3,472 |
| Provision for loan and lease losses | $255,000 | 2,948 |
| Total noninterest income | $1,080,000 | 2,908 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $757,000 | 1,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $323,000 | 3,863 |
| Total noninterest expense | $3,870,000 | 3,312 |
| Salaries and employee benefits | $1,871,000 | 3,546 |
| Premises and equipment expense | $609,000 | 3,120 |
| Additional noninterest expense | $1,390,000 | 2,975 |
| Pre-tax net operating income | $1,858,000 | 3,540 |
| Securities gains (losses) | $46,000 | 1,806 |
| Applicable income taxes | $524,000 | 3,724 |
| Income before extraordinary items | $1,380,000 | 3,486 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,380,000 | 3,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,880 |
| Cash dividends | $250,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,346,880 | 3,459 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,183,000 | 4,399 |
| Total interest expense | $2,883,000 | 4,883 |
| Net interest income | $4,300,000 | 3,973 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $1,080,000 | 2,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $771,000 | 1,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $309,000 | 3,852 |
| Total noninterest expense | $3,528,000 | 3,581 |
| Salaries and employee benefits | $1,887,000 | 3,481 |
| Premises and equipment expense | $559,000 | 3,370 |
| Additional noninterest expense | $1,082,000 | 3,637 |
| Pre-tax net operating income | $1,672,000 | 4,089 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $488,000 | 4,282 |
| Income before extraordinary items | $1,180,000 | 4,117 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,180,000 | 4,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,267 |
| Cash dividends | $250,000 | 4,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,182,840 | 4,043 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,475,000 | 4,883 |
| Total interest expense | $2,626,000 | 5,320 |
| Net interest income | $3,849,000 | 4,474 |
| Provision for loan and lease losses | $168,000 | 3,843 |
| Total noninterest income | $900,000 | 3,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $668,000 | 2,023 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $232,000 | 4,751 |
| Total noninterest expense | $3,030,000 | 4,277 |
| Salaries and employee benefits | $1,633,000 | 3,996 |
| Premises and equipment expense | $476,000 | 3,921 |
| Additional noninterest expense | $921,000 | 4,677 |
| Pre-tax net operating income | $1,551,000 | 4,214 |
| Securities gains (losses) | $-10,000 | 10,276 |
| Applicable income taxes | $509,000 | 4,095 |
| Income before extraordinary items | $1,032,000 | 4,369 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,032,000 | 4,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $1,311,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,038,700 | 4,291 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,539,000 | 5,560 |
| Total interest expense | $2,168,000 | 6,138 |
| Net interest income | $3,371,000 | 5,014 |
| Provision for loan and lease losses | $183,000 | 3,199 |
| Total noninterest income | $773,000 | 3,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $605,000 | 2,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 5,649 |
| Total noninterest expense | $2,607,000 | 4,820 |
| Salaries and employee benefits | $1,276,000 | 4,936 |
| Premises and equipment expense | $424,000 | 4,314 |
| Additional noninterest expense | $907,000 | 4,741 |
| Pre-tax net operating income | $1,354,000 | 4,818 |
| Securities gains (losses) | $-19,000 | 10,530 |
| Applicable income taxes | $406,000 | 4,904 |
| Income before extraordinary items | $929,000 | 4,868 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $929,000 | 4,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,213 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $942,300 | 4,807 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 6,323 |
| Total interest expense | $1,454,000 | 7,033 |
| Net interest income | $2,873,000 | 5,791 |
| Provision for loan and lease losses | $243,000 | 2,654 |
| Total noninterest income | $766,000 | 3,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $623,000 | 2,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,348 |
| Total noninterest expense | $2,388,000 | 5,369 |
| Salaries and employee benefits | $1,154,000 | 5,439 |
| Premises and equipment expense | $355,000 | 5,044 |
| Additional noninterest expense | $879,000 | 5,284 |
| Pre-tax net operating income | $1,008,000 | 5,922 |
| Securities gains (losses) | $-18,000 | 10,260 |
| Applicable income taxes | $293,000 | 5,969 |
| Income before extraordinary items | $697,000 | 5,932 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $697,000 | 5,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,738 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $709,600 | 5,918 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,884,000 | 7,015 |
| Total interest expense | $1,396,000 | 7,560 |
| Net interest income | $2,488,000 | 6,570 |
| Provision for loan and lease losses | $213,000 | 3,773 |
| Total noninterest income | $712,000 | 4,383 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $584,000 | 2,349 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 7,075 |
| Total noninterest expense | $2,229,000 | 5,801 |
| Salaries and employee benefits | $1,056,000 | 5,844 |
| Premises and equipment expense | $346,000 | 5,285 |
| Additional noninterest expense | $827,000 | 5,771 |
| Pre-tax net operating income | $758,000 | 7,044 |
| Securities gains (losses) | $13,000 | 5,183 |
| Applicable income taxes | $230,000 | 7,102 |
| Income before extraordinary items | $541,000 | 7,217 |
| Extraordinary gains, net | $5,000 | 3,059 |
| Net income | $546,000 | 7,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 3,320 |
| Cash dividends | $85,000 | 7,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $531,900 | 7,035 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,814,000 | 7,752 |
| Total interest expense | $1,798,000 | 7,616 |
| Net interest income | $2,016,000 | 7,706 |
| Provision for loan and lease losses | $280,000 | 4,302 |
| Total noninterest income | $575,000 | 5,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $457,000 | 3,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 7,510 |
| Total noninterest expense | $2,042,000 | 6,273 |
| Salaries and employee benefits | $873,000 | 6,783 |
| Premises and equipment expense | $386,000 | 4,934 |
| Additional noninterest expense | $783,000 | 6,181 |
| Pre-tax net operating income | $269,000 | 10,433 |
| Securities gains (losses) | $53,000 | 4,016 |
| Applicable income taxes | $82,000 | 10,395 |
| Income before extraordinary items | $240,000 | 10,044 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $240,000 | 10,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 4,520 |
| Cash dividends | $60,000 | 7,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $200,250 | 10,261 |
* 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.