Home > Decatur Bank and Trust Company > Income and Expense
Decatur Bank and Trust Company, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 3,893 |
| Total interest expense | $1,119,000 | 3,719 |
| Net interest income | $1,276,000 | 3,968 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $160,000 | 4,478 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $77,000 | 3,989 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $83,000 | 4,134 |
| Total noninterest expense | $777,000 | 4,889 |
| Salaries and employee benefits | $376,000 | 5,359 |
| Premises and equipment expense | $69,000 | 6,070 |
| Additional noninterest expense | $332,000 | 3,665 |
| Pre-tax net operating income | $629,000 | 3,018 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $234,000 | 2,182 |
| Income before extraordinary items | $395,000 | 3,533 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $395,000 | 3,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $60,000 | 3,473 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 817 |
| Net operating income | $395,000 | 3,507 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,615,000 | 3,999 |
| Total interest expense | $3,505,000 | 3,909 |
| Net interest income | $5,110,000 | 3,942 |
| Provision for loan and lease losses | $123,000 | 4,355 |
| Total noninterest income | $772,000 | 4,151 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $290,000 | 4,195 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $482,000 | 3,401 |
| Total noninterest expense | $3,022,000 | 4,856 |
| Salaries and employee benefits | $1,405,000 | 5,410 |
| Premises and equipment expense | $292,000 | 5,810 |
| Additional noninterest expense | $1,325,000 | 3,644 |
| Pre-tax net operating income | $2,737,000 | 2,952 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,040,000 | 2,139 |
| Income before extraordinary items | $1,697,000 | 3,491 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,697,000 | 3,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,209 |
| Cash dividends | $1,447,000 | 1,987 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,129 |
| Net operating income | $1,697,000 | 3,475 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,156,000 | 4,112 |
| Total interest expense | $2,351,000 | 4,128 |
| Net interest income | $3,805,000 | 3,991 |
| Provision for loan and lease losses | $93,000 | 4,203 |
| Total noninterest income | $565,000 | 4,210 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $219,000 | 4,222 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $346,000 | 3,466 |
| Total noninterest expense | $2,268,000 | 4,841 |
| Salaries and employee benefits | $1,056,000 | 5,379 |
| Premises and equipment expense | $232,000 | 5,694 |
| Additional noninterest expense | $980,000 | 3,663 |
| Pre-tax net operating income | $2,009,000 | 3,096 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $762,000 | 2,269 |
| Income before extraordinary items | $1,247,000 | 3,631 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,247,000 | 3,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 8,379 |
| Cash dividends | $1,072,000 | 1,830 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 957 |
| Net operating income | $1,247,000 | 3,624 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,974,000 | 4,150 |
| Total interest expense | $1,466,000 | 4,178 |
| Net interest income | $2,508,000 | 4,036 |
| Provision for loan and lease losses | $63,000 | 4,017 |
| Total noninterest income | $374,000 | 4,202 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $137,000 | 4,323 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $237,000 | 3,419 |
| Total noninterest expense | $1,504,000 | 4,867 |
| Salaries and employee benefits | $694,000 | 5,451 |
| Premises and equipment expense | $156,000 | 5,678 |
| Additional noninterest expense | $654,000 | 3,661 |
| Pre-tax net operating income | $1,315,000 | 3,166 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $501,000 | 2,309 |
| Income before extraordinary items | $814,000 | 3,709 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $814,000 | 3,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 8,468 |
| Cash dividends | $694,000 | 1,911 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 822 |
| Net operating income | $814,000 | 3,702 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,920,000 | 4,206 |
| Total interest expense | $680,000 | 4,250 |
| Net interest income | $1,240,000 | 4,067 |
| Provision for loan and lease losses | $33,000 | 3,748 |
| Total noninterest income | $187,000 | 4,120 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $63,000 | 4,435 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $124,000 | 3,323 |
| Total noninterest expense | $785,000 | 4,755 |
| Salaries and employee benefits | $369,000 | 5,268 |
| Premises and equipment expense | $82,000 | 5,576 |
| Additional noninterest expense | $334,000 | 3,578 |
| Pre-tax net operating income | $609,000 | 3,272 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $231,000 | 2,397 |
| Income before extraordinary items | $378,000 | 3,837 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $378,000 | 3,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,520 |
| Cash dividends | $354,000 | 1,759 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 612 |
| Net operating income | $378,000 | 3,815 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,382,000 | 3,992 |
| Total interest expense | $2,217,000 | 4,133 |
| Net interest income | $5,165,000 | 3,861 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $759,000 | 4,171 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $334,000 | 3,948 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $425,000 | 3,671 |
| Total noninterest expense | $3,086,000 | 4,679 |
| Salaries and employee benefits | $1,497,000 | 5,056 |
| Premises and equipment expense | $300,000 | 5,730 |
| Additional noninterest expense | $1,289,000 | 3,649 |
| Pre-tax net operating income | $2,718,000 | 2,987 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $1,055,000 | 2,194 |
| Income before extraordinary items | $1,667,000 | 3,533 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,667,000 | 3,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,143 |
| Cash dividends | $1,665,000 | 1,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,664,440 | 3,509 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,478,000 | 3,971 |
| Total interest expense | $1,604,000 | 4,109 |
| Net interest income | $3,874,000 | 3,858 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $573,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $262,000 | 3,858 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $311,000 | 3,738 |
| Total noninterest expense | $2,336,000 | 4,638 |
| Salaries and employee benefits | $1,150,000 | 4,954 |
| Premises and equipment expense | $230,000 | 5,668 |
| Additional noninterest expense | $956,000 | 3,625 |
| Pre-tax net operating income | $2,021,000 | 3,032 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $777,000 | 2,245 |
| Income before extraordinary items | $1,248,000 | 3,565 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,248,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,959 |
| Cash dividends | $1,240,000 | 1,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,245,440 | 3,544 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,632,000 | 3,927 |
| Total interest expense | $1,029,000 | 4,057 |
| Net interest income | $2,603,000 | 3,804 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $356,000 | 4,324 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $176,000 | 3,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $180,000 | 3,941 |
| Total noninterest expense | $1,550,000 | 4,630 |
| Salaries and employee benefits | $750,000 | 5,020 |
| Premises and equipment expense | $159,000 | 5,543 |
| Additional noninterest expense | $641,000 | 3,611 |
| Pre-tax net operating income | $1,349,000 | 2,983 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $525,000 | 2,201 |
| Income before extraordinary items | $829,000 | 3,556 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $829,000 | 3,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,825 |
| Cash dividends | $815,000 | 1,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $825,800 | 3,521 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,808,000 | 3,910 |
| Total interest expense | $499,000 | 4,031 |
| Net interest income | $1,309,000 | 3,781 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $155,000 | 4,629 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $79,000 | 3,954 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $76,000 | 4,289 |
| Total noninterest expense | $765,000 | 4,684 |
| Salaries and employee benefits | $358,000 | 5,209 |
| Premises and equipment expense | $84,000 | 5,420 |
| Additional noninterest expense | $323,000 | 3,585 |
| Pre-tax net operating income | $669,000 | 2,962 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $267,000 | 2,165 |
| Income before extraordinary items | $402,000 | 3,609 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $402,000 | 3,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $402,000 | 3,575 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,165,000 | 3,736 |
| Total interest expense | $1,843,000 | 3,896 |
| Net interest income | $5,322,000 | 3,625 |
| Provision for loan and lease losses | $150,000 | 4,230 |
| Total noninterest income | $1,055,000 | 3,411 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $314,000 | 4,220 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $741,000 | 2,624 |
| Total noninterest expense | $3,018,000 | 4,642 |
| Salaries and employee benefits | $1,378,000 | 5,229 |
| Premises and equipment expense | $328,000 | 5,424 |
| Additional noninterest expense | $1,312,000 | 3,499 |
| Pre-tax net operating income | $3,209,000 | 2,444 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,219,000 | 1,877 |
| Income before extraordinary items | $1,990,000 | 2,932 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,990,000 | 2,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,688 |
| Cash dividends | $1,810,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,990,000 | 2,875 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,337,000 | 3,731 |
| Total interest expense | $1,349,000 | 3,929 |
| Net interest income | $3,988,000 | 3,610 |
| Provision for loan and lease losses | $55,000 | 5,258 |
| Total noninterest income | $842,000 | 3,301 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $234,000 | 4,259 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $608,000 | 2,477 |
| Total noninterest expense | $2,277,000 | 4,589 |
| Salaries and employee benefits | $1,058,000 | 5,105 |
| Premises and equipment expense | $245,000 | 5,405 |
| Additional noninterest expense | $974,000 | 3,500 |
| Pre-tax net operating income | $2,498,000 | 2,393 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $946,000 | 1,865 |
| Income before extraordinary items | $1,552,000 | 2,872 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,552,000 | 2,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,013 |
| Cash dividends | $1,700,000 | 1,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,552,000 | 2,800 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,545,000 | 3,744 |
| Total interest expense | $891,000 | 3,959 |
| Net interest income | $2,654,000 | 3,608 |
| Provision for loan and lease losses | $18,000 | 5,953 |
| Total noninterest income | $653,000 | 2,986 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $155,000 | 4,246 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $498,000 | 2,196 |
| Total noninterest expense | $1,510,000 | 4,643 |
| Salaries and employee benefits | $708,000 | 5,124 |
| Premises and equipment expense | $161,000 | 5,465 |
| Additional noninterest expense | $641,000 | 3,542 |
| Pre-tax net operating income | $1,779,000 | 2,253 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $674,000 | 1,754 |
| Income before extraordinary items | $1,105,000 | 2,702 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,105,000 | 2,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 1,584 |
| Cash dividends | $1,050,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,105,000 | 2,628 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 3,742 |
| Total interest expense | $453,000 | 3,959 |
| Net interest income | $1,324,000 | 3,597 |
| Provision for loan and lease losses | $7,000 | 5,890 |
| Total noninterest income | $190,000 | 4,171 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $75,000 | 4,266 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $115,000 | 3,415 |
| Total noninterest expense | $775,000 | 4,577 |
| Salaries and employee benefits | $368,000 | 5,005 |
| Premises and equipment expense | $83,000 | 5,402 |
| Additional noninterest expense | $324,000 | 3,518 |
| Pre-tax net operating income | $732,000 | 2,614 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $271,000 | 2,076 |
| Income before extraordinary items | $461,000 | 3,135 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $461,000 | 3,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $525,000 | 1,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $461,000 | 3,020 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,759,000 | 3,526 |
| Total interest expense | $2,108,000 | 3,866 |
| Net interest income | $5,651,000 | 3,348 |
| Provision for loan and lease losses | $-485,000 | 9,122 |
| Total noninterest income | $965,000 | 3,800 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $331,000 | 4,084 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $634,000 | 3,148 |
| Total noninterest expense | $3,169,000 | 4,441 |
| Salaries and employee benefits | $1,427,000 | 5,019 |
| Premises and equipment expense | $340,000 | 5,272 |
| Additional noninterest expense | $1,402,000 | 3,278 |
| Pre-tax net operating income | $3,932,000 | 2,003 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,467,000 | 1,648 |
| Income before extraordinary items | $2,465,000 | 2,399 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,465,000 | 2,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $2,630,000 | 1,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,465,000 | 2,294 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,900,000 | 3,539 |
| Total interest expense | $1,624,000 | 3,898 |
| Net interest income | $4,276,000 | 3,341 |
| Provision for loan and lease losses | $15,000 | 6,935 |
| Total noninterest income | $771,000 | 3,722 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $250,000 | 4,093 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $521,000 | 3,061 |
| Total noninterest expense | $2,322,000 | 4,499 |
| Salaries and employee benefits | $1,076,000 | 4,989 |
| Premises and equipment expense | $242,000 | 5,429 |
| Additional noninterest expense | $1,004,000 | 3,383 |
| Pre-tax net operating income | $2,710,000 | 2,217 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,005,000 | 1,853 |
| Income before extraordinary items | $1,705,000 | 2,679 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,705,000 | 2,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 8,986 |
| Cash dividends | $2,630,000 | 816 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,705,000 | 2,535 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,991,000 | 3,527 |
| Total interest expense | $1,130,000 | 3,862 |
| Net interest income | $2,861,000 | 3,331 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $531,000 | 3,618 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $155,000 | 4,203 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $376,000 | 2,887 |
| Total noninterest expense | $1,556,000 | 4,461 |
| Salaries and employee benefits | $719,000 | 4,969 |
| Premises and equipment expense | $159,000 | 5,464 |
| Additional noninterest expense | $678,000 | 3,331 |
| Pre-tax net operating income | $1,821,000 | 2,218 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $675,000 | 1,870 |
| Income before extraordinary items | $1,146,000 | 2,680 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,146,000 | 2,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 9,069 |
| Cash dividends | $2,380,000 | 639 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,146,000 | 2,527 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,020,000 | 3,489 |
| Total interest expense | $586,000 | 3,827 |
| Net interest income | $1,434,000 | 3,295 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $264,000 | 3,520 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $64,000 | 4,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $200,000 | 2,717 |
| Total noninterest expense | $791,000 | 4,398 |
| Salaries and employee benefits | $368,000 | 4,921 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $339,000 | 3,282 |
| Pre-tax net operating income | $892,000 | 2,258 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $331,000 | 1,914 |
| Income before extraordinary items | $561,000 | 2,690 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $561,000 | 2,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-81,000 | 9,178 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $561,000 | 2,553 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,658,000 | 3,413 |
| Total interest expense | $2,918,000 | 3,605 |
| Net interest income | $5,740,000 | 3,259 |
| Provision for loan and lease losses | $108,000 | 5,596 |
| Total noninterest income | $849,000 | 3,849 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $272,000 | 4,474 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $577,000 | 3,036 |
| Total noninterest expense | $2,795,000 | 4,690 |
| Salaries and employee benefits | $1,285,000 | 5,231 |
| Premises and equipment expense | $368,000 | 4,940 |
| Additional noninterest expense | $1,142,000 | 3,758 |
| Pre-tax net operating income | $3,686,000 | 2,125 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,366,000 | 1,781 |
| Income before extraordinary items | $2,320,000 | 2,493 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,320,000 | 2,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,703 |
| Cash dividends | $3,290,000 | 855 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,320,000 | 2,407 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,792,000 | 3,376 |
| Total interest expense | $4,243,000 | 3,623 |
| Net interest income | $5,549,000 | 3,151 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $920,000 | 3,533 |
| Gross Fiduciary activities income | $1,000 | 1,678 |
| Service charges on deposit accounts | $266,000 | 4,472 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $653,000 | 2,684 |
| Total noninterest expense | $3,690,000 | 3,670 |
| Salaries and employee benefits | $1,201,000 | 5,320 |
| Premises and equipment expense | $405,000 | 4,560 |
| Additional noninterest expense | $2,084,000 | 2,154 |
| Pre-tax net operating income | $2,689,000 | 2,517 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,346,000 | 1,656 |
| Income before extraordinary items | $1,343,000 | 3,508 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,343,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,713 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,343,000 | 3,410 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,261,000 | 4,938 |
| Total interest expense | $3,041,000 | 4,870 |
| Net interest income | $3,220,000 | 4,902 |
| Provision for loan and lease losses | $53,000 | 6,459 |
| Total noninterest income | $567,000 | 4,561 |
| Gross Fiduciary activities income | $1,000 | 1,318 |
| Service charges on deposit accounts | $133,000 | 6,004 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $433,000 | 3,189 |
| Total noninterest expense | $2,320,000 | 5,121 |
| Salaries and employee benefits | $935,000 | 6,182 |
| Premises and equipment expense | $252,000 | 6,019 |
| Additional noninterest expense | $1,133,000 | 3,620 |
| Pre-tax net operating income | $1,414,000 | 4,237 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $748,000 | 2,640 |
| Income before extraordinary items | $666,000 | 5,545 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $666,000 | 5,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-107,000 | 9,757 |
| Cash dividends | $6,070,000 | 539 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $666,000 | 5,555 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,911,000 | 3,562 |
| Total interest expense | $4,029,000 | 3,571 |
| Net interest income | $4,882,000 | 3,523 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $756,000 | 3,763 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $210,000 | 5,005 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $546,000 | 2,795 |
| Total noninterest expense | $2,804,000 | 4,466 |
| Salaries and employee benefits | $1,548,000 | 4,219 |
| Premises and equipment expense | $448,000 | 4,143 |
| Additional noninterest expense | $808,000 | 4,750 |
| Pre-tax net operating income | $2,784,000 | 2,561 |
| Securities gains (losses) | $-5,000 | 9,083 |
| Applicable income taxes | $926,000 | 2,336 |
| Income before extraordinary items | $1,853,000 | 2,749 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,853,000 | 2,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,357 |
| Cash dividends | $511,000 | 3,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,856,350 | 2,711 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,739,000 | 3,629 |
| Total interest expense | $4,070,000 | 3,628 |
| Net interest income | $4,669,000 | 3,626 |
| Provision for loan and lease losses | $230,000 | 3,213 |
| Total noninterest income | $777,000 | 3,703 |
| Gross Fiduciary activities income | $6,000 | 1,327 |
| Service charges on deposit accounts | $204,000 | 5,100 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $567,000 | 2,744 |
| Total noninterest expense | $2,552,000 | 4,700 |
| Salaries and employee benefits | $1,431,000 | 4,414 |
| Premises and equipment expense | $420,000 | 4,257 |
| Additional noninterest expense | $701,000 | 5,159 |
| Pre-tax net operating income | $2,664,000 | 2,634 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $923,000 | 2,450 |
| Income before extraordinary items | $1,743,000 | 2,872 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,743,000 | 2,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,386 |
| Cash dividends | $463,000 | 3,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,741,700 | 2,783 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,238,000 | 3,865 |
| Total interest expense | $3,876,000 | 3,795 |
| Net interest income | $4,362,000 | 3,918 |
| Provision for loan and lease losses | $170,000 | 3,857 |
| Total noninterest income | $764,000 | 3,720 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $202,000 | 5,304 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $562,000 | 2,614 |
| Total noninterest expense | $2,418,000 | 4,918 |
| Salaries and employee benefits | $1,263,000 | 4,885 |
| Premises and equipment expense | $459,000 | 3,981 |
| Additional noninterest expense | $696,000 | 5,241 |
| Pre-tax net operating income | $2,538,000 | 2,871 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $900,000 | 2,657 |
| Income before extraordinary items | $1,633,000 | 3,105 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,633,000 | 3,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,887 |
| Cash dividends | $493,000 | 3,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,636,200 | 3,041 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,708,000 | 4,175 |
| Total interest expense | $3,720,000 | 3,962 |
| Net interest income | $3,988,000 | 4,337 |
| Provision for loan and lease losses | $105,000 | 4,971 |
| Total noninterest income | $499,000 | 5,157 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $202,000 | 5,521 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $297,000 | 4,098 |
| Total noninterest expense | $2,193,000 | 5,554 |
| Salaries and employee benefits | $1,124,000 | 5,498 |
| Premises and equipment expense | $440,000 | 4,198 |
| Additional noninterest expense | $629,000 | 6,174 |
| Pre-tax net operating income | $2,189,000 | 3,177 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $760,000 | 2,987 |
| Income before extraordinary items | $1,430,000 | 3,344 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,430,000 | 3,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 11,214 |
| Cash dividends | $392,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,429,350 | 3,301 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,080,000 | 4,511 |
| Total interest expense | $3,451,000 | 4,212 |
| Net interest income | $3,629,000 | 4,700 |
| Provision for loan and lease losses | $170,000 | 3,392 |
| Total noninterest income | $483,000 | 5,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,500 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,251 |
| Total noninterest expense | $1,968,000 | 6,058 |
| Salaries and employee benefits | $1,062,000 | 5,757 |
| Premises and equipment expense | $324,000 | 5,312 |
| Additional noninterest expense | $582,000 | 6,646 |
| Pre-tax net operating income | $1,974,000 | 3,537 |
| Securities gains (losses) | $-23,000 | 10,647 |
| Applicable income taxes | $675,000 | 3,342 |
| Income before extraordinary items | $1,276,000 | 3,748 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,276,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 11,478 |
| Cash dividends | $355,000 | 4,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,290,950 | 3,685 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,966,000 | 4,888 |
| Total interest expense | $2,633,000 | 4,431 |
| Net interest income | $3,333,000 | 5,158 |
| Provision for loan and lease losses | $32,000 | 7,014 |
| Total noninterest income | $431,000 | 5,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,899 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $232,000 | 4,795 |
| Total noninterest expense | $1,900,000 | 6,451 |
| Salaries and employee benefits | $1,026,000 | 5,963 |
| Premises and equipment expense | $226,000 | 6,941 |
| Additional noninterest expense | $648,000 | 6,691 |
| Pre-tax net operating income | $1,832,000 | 3,682 |
| Securities gains (losses) | $-23,000 | 10,454 |
| Applicable income taxes | $597,000 | 3,532 |
| Income before extraordinary items | $1,212,000 | 3,817 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,212,000 | 3,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,717 |
| Cash dividends | $329,000 | 4,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,227,410 | 3,809 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,472,000 | 5,357 |
| Total interest expense | $2,461,000 | 4,891 |
| Net interest income | $3,011,000 | 5,645 |
| Provision for loan and lease losses | $220,000 | 3,693 |
| Total noninterest income | $523,000 | 5,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $364,000 | 4,006 |
| Total noninterest expense | $1,766,000 | 6,987 |
| Salaries and employee benefits | $927,000 | 6,561 |
| Premises and equipment expense | $212,000 | 7,448 |
| Additional noninterest expense | $627,000 | 7,105 |
| Pre-tax net operating income | $1,548,000 | 4,200 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $521,000 | 4,037 |
| Income before extraordinary items | $1,027,000 | 4,600 |
| Extraordinary gains, net | $180,000 | 1,083 |
| Net income | $1,207,000 | 4,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 6,126 |
| Cash dividends | $888,000 | 1,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,027,000 | 4,358 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,755,000 | 5,687 |
| Total interest expense | $2,912,000 | 5,286 |
| Net interest income | $2,843,000 | 5,982 |
| Provision for loan and lease losses | $221,000 | 4,952 |
| Total noninterest income | $539,000 | 5,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 7,335 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $397,000 | 3,726 |
| Total noninterest expense | $1,622,000 | 7,499 |
| Salaries and employee benefits | $834,000 | 7,034 |
| Premises and equipment expense | $213,000 | 7,557 |
| Additional noninterest expense | $575,000 | 7,731 |
| Pre-tax net operating income | $1,539,000 | 3,952 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $534,000 | 3,771 |
| Income before extraordinary items | $1,005,000 | 4,483 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,005,000 | 4,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 5,121 |
| Cash dividends | $264,000 | 4,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,005,000 | 4,164 |
* 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.