Home > East Penn Bank > Income and Expense
East Penn Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,281,000 | 1,687 |
| Total interest expense | $8,988,000 | 1,664 |
| Net interest income | $10,293,000 | 1,652 |
| Provision for loan and lease losses | $270,000 | 2,452 |
| Total noninterest income | $1,819,000 | 1,932 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $846,000 | 1,557 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $973,000 | 1,863 |
| Total noninterest expense | $8,587,000 | 1,589 |
| Salaries and employee benefits | $4,377,000 | 1,718 |
| Premises and equipment expense | $1,503,000 | 1,313 |
| Additional noninterest expense | $2,707,000 | 1,498 |
| Pre-tax net operating income | $3,255,000 | 1,965 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $559,000 | 2,392 |
| Income before extraordinary items | $2,696,000 | 1,870 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,696,000 | 1,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,611 |
| Cash dividends | $2,280,000 | 1,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,696,000 | 1,860 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,776,000 | 1,705 |
| Total interest expense | $5,971,000 | 1,675 |
| Net interest income | $6,805,000 | 1,690 |
| Provision for loan and lease losses | $135,000 | 2,802 |
| Total noninterest income | $1,241,000 | 1,907 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $561,000 | 1,566 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $680,000 | 1,814 |
| Total noninterest expense | $5,598,000 | 1,648 |
| Salaries and employee benefits | $2,916,000 | 1,758 |
| Premises and equipment expense | $1,006,000 | 1,328 |
| Additional noninterest expense | $1,676,000 | 1,614 |
| Pre-tax net operating income | $2,313,000 | 1,918 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $426,000 | 2,298 |
| Income before extraordinary items | $1,887,000 | 1,840 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,887,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,834 |
| Cash dividends | $1,028,000 | 1,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,887,000 | 1,821 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,340,000 | 1,708 |
| Total interest expense | $2,965,000 | 1,682 |
| Net interest income | $3,375,000 | 1,710 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $578,000 | 2,008 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $275,000 | 1,556 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $303,000 | 1,948 |
| Total noninterest expense | $2,664,000 | 1,736 |
| Salaries and employee benefits | $1,482,000 | 1,748 |
| Premises and equipment expense | $507,000 | 1,326 |
| Additional noninterest expense | $675,000 | 1,958 |
| Pre-tax net operating income | $1,244,000 | 1,813 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $247,000 | 2,102 |
| Income before extraordinary items | $997,000 | 1,720 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $997,000 | 1,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,212 |
| Cash dividends | $894,000 | 905 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $997,000 | 1,707 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,781,000 | 1,697 |
| Total interest expense | $9,931,000 | 1,688 |
| Net interest income | $13,850,000 | 1,653 |
| Provision for loan and lease losses | $389,000 | 2,331 |
| Total noninterest income | $2,733,000 | 1,761 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,179,000 | 1,517 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,554,000 | 1,626 |
| Total noninterest expense | $11,060,000 | 1,602 |
| Salaries and employee benefits | $5,875,000 | 1,663 |
| Premises and equipment expense | $1,975,000 | 1,311 |
| Additional noninterest expense | $3,210,000 | 1,634 |
| Pre-tax net operating income | $5,134,000 | 1,834 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,130,000 | 2,028 |
| Income before extraordinary items | $4,004,000 | 1,783 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,004,000 | 1,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,163 |
| Cash dividends | $1,929,000 | 1,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,004,000 | 1,766 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,448,000 | 1,718 |
| Total interest expense | $7,028,000 | 1,735 |
| Net interest income | $10,420,000 | 1,662 |
| Provision for loan and lease losses | $299,000 | 2,164 |
| Total noninterest income | $1,809,000 | 1,939 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $894,000 | 1,514 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $915,000 | 1,958 |
| Total noninterest expense | $8,258,000 | 1,621 |
| Salaries and employee benefits | $4,391,000 | 1,680 |
| Premises and equipment expense | $1,478,000 | 1,323 |
| Additional noninterest expense | $2,389,000 | 1,649 |
| Pre-tax net operating income | $3,672,000 | 1,980 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $799,000 | 2,200 |
| Income before extraordinary items | $2,873,000 | 1,900 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,873,000 | 1,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,937 |
| Cash dividends | $1,793,000 | 1,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,873,000 | 1,886 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,283,000 | 1,739 |
| Total interest expense | $4,384,000 | 1,762 |
| Net interest income | $6,899,000 | 1,671 |
| Provision for loan and lease losses | $209,000 | 2,057 |
| Total noninterest income | $1,210,000 | 1,937 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $583,000 | 1,527 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $627,000 | 1,897 |
| Total noninterest expense | $5,497,000 | 1,628 |
| Salaries and employee benefits | $2,910,000 | 1,692 |
| Premises and equipment expense | $988,000 | 1,314 |
| Additional noninterest expense | $1,599,000 | 1,655 |
| Pre-tax net operating income | $2,403,000 | 2,024 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $528,000 | 2,230 |
| Income before extraordinary items | $1,875,000 | 1,942 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,875,000 | 1,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,027 |
| Cash dividends | $965,000 | 1,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,875,000 | 1,927 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,542,000 | 1,716 |
| Total interest expense | $2,110,000 | 1,740 |
| Net interest income | $3,432,000 | 1,679 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $555,000 | 2,046 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $276,000 | 1,545 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $279,000 | 2,038 |
| Total noninterest expense | $2,764,000 | 1,631 |
| Salaries and employee benefits | $1,535,000 | 1,619 |
| Premises and equipment expense | $500,000 | 1,301 |
| Additional noninterest expense | $729,000 | 1,791 |
| Pre-tax net operating income | $1,133,000 | 2,071 |
| Securities gains (losses) | $62,000 | 314 |
| Applicable income taxes | $267,000 | 2,164 |
| Income before extraordinary items | $928,000 | 1,920 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $928,000 | 1,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $826,000 | 878 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $879,640 | 1,995 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $20,024,000 | 1,683 |
| Total interest expense | $6,711,000 | 1,691 |
| Net interest income | $13,313,000 | 1,641 |
| Provision for loan and lease losses | $420,000 | 2,180 |
| Total noninterest income | $2,376,000 | 1,953 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,083,000 | 1,610 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,293,000 | 1,851 |
| Total noninterest expense | $10,297,000 | 1,656 |
| Salaries and employee benefits | $5,250,000 | 1,771 |
| Premises and equipment expense | $1,753,000 | 1,397 |
| Additional noninterest expense | $3,294,000 | 1,549 |
| Pre-tax net operating income | $4,972,000 | 1,881 |
| Securities gains (losses) | $136,000 | 612 |
| Applicable income taxes | $1,215,000 | 1,990 |
| Income before extraordinary items | $3,893,000 | 1,776 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,893,000 | 1,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,395 |
| Cash dividends | $1,913,000 | 1,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,789,640 | 1,791 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,603,000 | 1,690 |
| Total interest expense | $4,705,000 | 1,717 |
| Net interest income | $9,898,000 | 1,643 |
| Provision for loan and lease losses | $336,000 | 2,011 |
| Total noninterest income | $1,780,000 | 1,954 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $761,000 | 1,692 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,019,000 | 1,797 |
| Total noninterest expense | $7,412,000 | 1,699 |
| Salaries and employee benefits | $3,856,000 | 1,799 |
| Premises and equipment expense | $1,250,000 | 1,453 |
| Additional noninterest expense | $2,306,000 | 1,623 |
| Pre-tax net operating income | $3,930,000 | 1,793 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $952,000 | 1,949 |
| Income before extraordinary items | $2,978,000 | 1,765 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,978,000 | 1,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,320 |
| Cash dividends | $1,776,000 | 1,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,978,000 | 1,740 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,410,000 | 1,700 |
| Total interest expense | $2,838,000 | 1,785 |
| Net interest income | $6,572,000 | 1,636 |
| Provision for loan and lease losses | $252,000 | 1,758 |
| Total noninterest income | $1,274,000 | 1,843 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $503,000 | 1,676 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $771,000 | 1,623 |
| Total noninterest expense | $4,972,000 | 1,680 |
| Salaries and employee benefits | $2,601,000 | 1,762 |
| Premises and equipment expense | $890,000 | 1,364 |
| Additional noninterest expense | $1,481,000 | 1,667 |
| Pre-tax net operating income | $2,622,000 | 1,764 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $640,000 | 1,906 |
| Income before extraordinary items | $1,982,000 | 1,728 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,982,000 | 1,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,091 |
| Cash dividends | $1,003,000 | 1,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,982,000 | 1,700 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,550,000 | 1,716 |
| Total interest expense | $1,261,000 | 1,880 |
| Net interest income | $3,289,000 | 1,621 |
| Provision for loan and lease losses | $126,000 | 1,668 |
| Total noninterest income | $558,000 | 1,974 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $160,000 | 2,428 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $398,000 | 1,558 |
| Total noninterest expense | $2,468,000 | 1,705 |
| Salaries and employee benefits | $1,322,000 | 1,745 |
| Premises and equipment expense | $437,000 | 1,389 |
| Additional noninterest expense | $709,000 | 1,740 |
| Pre-tax net operating income | $1,253,000 | 1,804 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $305,000 | 1,950 |
| Income before extraordinary items | $948,000 | 1,781 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $948,000 | 1,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,673 |
| Cash dividends | $903,000 | 735 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $948,000 | 1,742 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,848,000 | 1,701 |
| Total interest expense | $4,571,000 | 1,777 |
| Net interest income | $12,277,000 | 1,659 |
| Provision for loan and lease losses | $498,000 | 1,971 |
| Total noninterest income | $2,247,000 | 2,030 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $692,000 | 2,389 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,555,000 | 1,599 |
| Total noninterest expense | $9,210,000 | 1,754 |
| Salaries and employee benefits | $4,980,000 | 1,773 |
| Premises and equipment expense | $1,553,000 | 1,487 |
| Additional noninterest expense | $2,677,000 | 1,822 |
| Pre-tax net operating income | $4,816,000 | 1,760 |
| Securities gains (losses) | $47,000 | 1,791 |
| Applicable income taxes | $1,055,000 | 2,064 |
| Income before extraordinary items | $3,808,000 | 1,688 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,808,000 | 1,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,315 |
| Cash dividends | $2,022,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,771,340 | 1,653 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,429,000 | 1,706 |
| Total interest expense | $3,389,000 | 1,768 |
| Net interest income | $9,040,000 | 1,671 |
| Provision for loan and lease losses | $412,000 | 1,725 |
| Total noninterest income | $1,641,000 | 2,076 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $503,000 | 2,488 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,138,000 | 1,615 |
| Total noninterest expense | $6,714,000 | 1,795 |
| Salaries and employee benefits | $3,638,000 | 1,805 |
| Premises and equipment expense | $1,122,000 | 1,550 |
| Additional noninterest expense | $1,954,000 | 1,834 |
| Pre-tax net operating income | $3,555,000 | 1,784 |
| Securities gains (losses) | $37,000 | 1,884 |
| Applicable income taxes | $756,000 | 2,196 |
| Income before extraordinary items | $2,836,000 | 1,717 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,836,000 | 1,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,964 |
| Cash dividends | $1,559,000 | 1,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,806,770 | 1,682 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,159,000 | 1,725 |
| Total interest expense | $2,262,000 | 1,753 |
| Net interest income | $5,897,000 | 1,695 |
| Provision for loan and lease losses | $283,000 | 1,667 |
| Total noninterest income | $1,118,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $335,000 | 2,483 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $783,000 | 1,564 |
| Total noninterest expense | $4,414,000 | 1,812 |
| Salaries and employee benefits | $2,391,000 | 1,827 |
| Premises and equipment expense | $738,000 | 1,567 |
| Additional noninterest expense | $1,285,000 | 1,858 |
| Pre-tax net operating income | $2,318,000 | 1,808 |
| Securities gains (losses) | $25,000 | 1,902 |
| Applicable income taxes | $486,000 | 2,251 |
| Income before extraordinary items | $1,857,000 | 1,717 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,857,000 | 1,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,596 |
| Cash dividends | $919,000 | 1,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,837,250 | 1,679 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,070,000 | 1,729 |
| Total interest expense | $1,156,000 | 1,752 |
| Net interest income | $2,914,000 | 1,711 |
| Provision for loan and lease losses | $154,000 | 1,391 |
| Total noninterest income | $518,000 | 2,104 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $165,000 | 2,467 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $353,000 | 1,675 |
| Total noninterest expense | $2,168,000 | 1,853 |
| Salaries and employee benefits | $1,183,000 | 1,857 |
| Premises and equipment expense | $362,000 | 1,622 |
| Additional noninterest expense | $623,000 | 1,894 |
| Pre-tax net operating income | $1,110,000 | 1,843 |
| Securities gains (losses) | $17,000 | 1,792 |
| Applicable income taxes | $228,000 | 2,352 |
| Income before extraordinary items | $899,000 | 1,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $899,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $640,000 | 974 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $885,400 | 1,685 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,897,000 | 1,901 |
| Total interest expense | $4,457,000 | 2,004 |
| Net interest income | $10,440,000 | 1,872 |
| Provision for loan and lease losses | $380,000 | 2,681 |
| Total noninterest income | $2,297,000 | 2,096 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $700,000 | 2,351 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,597,000 | 1,746 |
| Total noninterest expense | $8,569,000 | 1,853 |
| Salaries and employee benefits | $4,853,000 | 1,765 |
| Premises and equipment expense | $1,330,000 | 1,701 |
| Additional noninterest expense | $2,386,000 | 2,019 |
| Pre-tax net operating income | $3,788,000 | 2,056 |
| Securities gains (losses) | $303,000 | 1,041 |
| Applicable income taxes | $926,000 | 2,287 |
| Income before extraordinary items | $3,165,000 | 1,948 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,165,000 | 1,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,445 |
| Cash dividends | $958,000 | 2,401 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 828 |
| Net operating income | $2,931,690 | 1,990 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,980,000 | 1,965 |
| Total interest expense | $3,385,000 | 2,054 |
| Net interest income | $7,595,000 | 1,935 |
| Provision for loan and lease losses | $342,000 | 2,294 |
| Total noninterest income | $1,717,000 | 2,136 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $521,000 | 2,385 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,196,000 | 1,814 |
| Total noninterest expense | $6,347,000 | 1,872 |
| Salaries and employee benefits | $3,617,000 | 1,797 |
| Premises and equipment expense | $979,000 | 1,751 |
| Additional noninterest expense | $1,751,000 | 2,039 |
| Pre-tax net operating income | $2,623,000 | 2,285 |
| Securities gains (losses) | $117,000 | 1,606 |
| Applicable income taxes | $650,000 | 2,516 |
| Income before extraordinary items | $2,090,000 | 2,242 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,090,000 | 2,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,051 |
| Cash dividends | $661,000 | 2,243 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 651 |
| Net operating income | $2,001,080 | 2,221 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,188,000 | 2,023 |
| Total interest expense | $2,303,000 | 2,087 |
| Net interest income | $4,885,000 | 2,000 |
| Provision for loan and lease losses | $228,000 | 2,293 |
| Total noninterest income | $1,104,000 | 2,193 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $340,000 | 2,401 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $764,000 | 1,849 |
| Total noninterest expense | $4,121,000 | 1,916 |
| Salaries and employee benefits | $2,332,000 | 1,840 |
| Premises and equipment expense | $578,000 | 1,973 |
| Additional noninterest expense | $1,211,000 | 1,976 |
| Pre-tax net operating income | $1,640,000 | 2,412 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $406,000 | 2,658 |
| Income before extraordinary items | $1,239,000 | 2,505 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,239,000 | 2,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,864 |
| Cash dividends | $661,000 | 1,778 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 530 |
| Net operating income | $1,235,250 | 2,361 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,571,000 | 2,053 |
| Total interest expense | $1,182,000 | 2,077 |
| Net interest income | $2,389,000 | 2,045 |
| Provision for loan and lease losses | $114,000 | 2,170 |
| Total noninterest income | $527,000 | 2,201 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $162,000 | 2,433 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $365,000 | 1,851 |
| Total noninterest expense | $2,026,000 | 1,931 |
| Salaries and employee benefits | $1,146,000 | 1,863 |
| Premises and equipment expense | $290,000 | 1,956 |
| Additional noninterest expense | $590,000 | 1,992 |
| Pre-tax net operating income | $776,000 | 2,530 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $188,000 | 2,807 |
| Income before extraordinary items | $588,000 | 2,586 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $588,000 | 2,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $588,000 | 2,448 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,652,000 | 2,096 |
| Total interest expense | $5,377,000 | 2,089 |
| Net interest income | $9,275,000 | 2,087 |
| Provision for loan and lease losses | $367,000 | 3,016 |
| Total noninterest income | $1,815,000 | 2,310 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $686,000 | 2,280 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,129,000 | 2,012 |
| Total noninterest expense | $7,561,000 | 1,990 |
| Salaries and employee benefits | $4,150,000 | 1,940 |
| Premises and equipment expense | $1,281,000 | 1,720 |
| Additional noninterest expense | $2,130,000 | 2,183 |
| Pre-tax net operating income | $3,162,000 | 2,382 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $759,000 | 2,687 |
| Income before extraordinary items | $2,403,000 | 2,426 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,403,000 | 2,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,476 |
| Cash dividends | $396,000 | 3,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,403,000 | 2,348 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,963,000 | 2,284 |
| Total interest expense | $7,254,000 | 2,211 |
| Net interest income | $7,709,000 | 2,323 |
| Provision for loan and lease losses | $367,000 | 2,795 |
| Total noninterest income | $1,398,000 | 2,650 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $484,000 | 2,918 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $914,000 | 2,182 |
| Total noninterest expense | $6,911,000 | 2,077 |
| Salaries and employee benefits | $3,850,000 | 1,951 |
| Premises and equipment expense | $1,483,000 | 1,452 |
| Additional noninterest expense | $1,578,000 | 2,752 |
| Pre-tax net operating income | $1,829,000 | 3,391 |
| Securities gains (losses) | $39,000 | 2,590 |
| Applicable income taxes | $295,000 | 4,304 |
| Income before extraordinary items | $1,573,000 | 3,108 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,573,000 | 3,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,677 |
| Cash dividends | $328,000 | 4,243 |
| Sale, conversion, retirement of capital stock, net | $293,000 | 549 |
| Net operating income | $1,540,240 | 3,065 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,739,000 | 2,371 |
| Total interest expense | $7,776,000 | 2,186 |
| Net interest income | $6,963,000 | 2,559 |
| Provision for loan and lease losses | $480,000 | 1,938 |
| Total noninterest income | $926,000 | 3,320 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $489,000 | 2,749 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $437,000 | 3,173 |
| Total noninterest expense | $6,358,000 | 2,164 |
| Salaries and employee benefits | $3,304,000 | 2,161 |
| Premises and equipment expense | $1,553,000 | 1,322 |
| Additional noninterest expense | $1,501,000 | 2,820 |
| Pre-tax net operating income | $1,051,000 | 5,132 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $77,000 | 6,833 |
| Income before extraordinary items | $974,000 | 4,460 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $974,000 | 4,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 1,988 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $974,000 | 4,460 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,846,000 | 2,727 |
| Total interest expense | $5,619,000 | 2,621 |
| Net interest income | $6,227,000 | 2,823 |
| Provision for loan and lease losses | $360,000 | 2,275 |
| Total noninterest income | $601,000 | 4,428 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $344,000 | 3,606 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $257,000 | 4,370 |
| Total noninterest expense | $5,378,000 | 2,515 |
| Salaries and employee benefits | $2,774,000 | 2,530 |
| Premises and equipment expense | $1,208,000 | 1,695 |
| Additional noninterest expense | $1,396,000 | 3,040 |
| Pre-tax net operating income | $1,090,000 | 5,053 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $130,000 | 6,513 |
| Income before extraordinary items | $959,000 | 4,550 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $959,000 | 4,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,462 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,686,000 | 385 |
| Net operating income | $959,880 | 4,506 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,125,000 | 3,199 |
| Total interest expense | $5,123,000 | 2,923 |
| Net interest income | $5,002,000 | 3,391 |
| Provision for loan and lease losses | $356,000 | 2,286 |
| Total noninterest income | $423,000 | 5,434 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $190,000 | 5,288 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $233,000 | 4,581 |
| Total noninterest expense | $4,018,000 | 3,186 |
| Salaries and employee benefits | $2,146,000 | 3,125 |
| Premises and equipment expense | $832,000 | 2,349 |
| Additional noninterest expense | $1,040,000 | 3,830 |
| Pre-tax net operating income | $1,051,000 | 5,273 |
| Securities gains (losses) | $28,000 | 2,162 |
| Applicable income taxes | $173,000 | 6,538 |
| Income before extraordinary items | $906,000 | 4,802 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $906,000 | 4,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,330 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $-791,000 | 10,414 |
| Net operating income | $882,480 | 4,802 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,374,000 | 3,808 |
| Total interest expense | $4,035,000 | 3,645 |
| Net interest income | $4,339,000 | 3,937 |
| Provision for loan and lease losses | $251,000 | 2,923 |
| Total noninterest income | $329,000 | 6,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,092 |
| Total noninterest expense | $3,386,000 | 3,715 |
| Salaries and employee benefits | $1,823,000 | 3,595 |
| Premises and equipment expense | $623,000 | 3,039 |
| Additional noninterest expense | $940,000 | 4,138 |
| Pre-tax net operating income | $1,031,000 | 5,746 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $334,000 | 5,439 |
| Income before extraordinary items | $720,000 | 5,818 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $720,000 | 5,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,853 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $3,687,000 | 269 |
| Net operating income | $704,360 | 5,842 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,425,000 | 4,913 |
| Total interest expense | $3,129,000 | 4,603 |
| Net interest income | $3,296,000 | 5,081 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $190,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 7,516 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,410 |
| Total noninterest expense | $2,708,000 | 4,696 |
| Salaries and employee benefits | $1,323,000 | 4,789 |
| Premises and equipment expense | $390,000 | 4,633 |
| Additional noninterest expense | $995,000 | 4,422 |
| Pre-tax net operating income | $682,000 | 7,013 |
| Securities gains (losses) | $73,000 | 1,113 |
| Applicable income taxes | $213,000 | 6,931 |
| Income before extraordinary items | $542,000 | 6,613 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $542,000 | 6,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,131 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $255,000 | 548 |
| Net operating income | $489,440 | 6,910 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,408,000 | 5,653 |
| Total interest expense | $2,598,000 | 5,395 |
| Net interest income | $2,810,000 | 5,792 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $162,000 | 9,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 8,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,808 |
| Total noninterest expense | $2,167,000 | 5,630 |
| Salaries and employee benefits | $1,054,000 | 5,797 |
| Premises and equipment expense | $353,000 | 4,989 |
| Additional noninterest expense | $760,000 | 5,465 |
| Pre-tax net operating income | $709,000 | 7,279 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $206,000 | 7,316 |
| Income before extraordinary items | $503,000 | 7,230 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $503,000 | 7,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,247 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $155,000 | 512 |
| Net operating income | $503,000 | 7,203 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 6,684 |
| Total interest expense | $1,934,000 | 5,758 |
| Net interest income | $2,078,000 | 7,377 |
| Provision for loan and lease losses | $39,000 | 6,667 |
| Total noninterest income | $160,000 | 9,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,590 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 7,294 |
| Total noninterest expense | $2,234,000 | 5,667 |
| Salaries and employee benefits | $1,024,000 | 5,977 |
| Premises and equipment expense | $346,000 | 5,121 |
| Additional noninterest expense | $864,000 | 5,364 |
| Pre-tax net operating income | $-35,000 | 12,149 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $-80,000 | 12,270 |
| Income before extraordinary items | $44,000 | 11,848 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $44,000 | 11,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,905 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 990 |
| Net operating income | $44,640 | 11,883 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,582,000 | 6,215 |
| Total interest expense | $2,434,000 | 4,942 |
| Net interest income | $2,148,000 | 7,304 |
| Provision for loan and lease losses | $69,000 | 6,693 |
| Total noninterest income | $314,000 | 7,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 10,299 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $271,000 | 4,756 |
| Total noninterest expense | $2,039,000 | 6,226 |
| Salaries and employee benefits | $922,000 | 6,586 |
| Premises and equipment expense | $296,000 | 5,922 |
| Additional noninterest expense | $821,000 | 5,804 |
| Pre-tax net operating income | $354,000 | 9,781 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $7,000 | 11,895 |
| Income before extraordinary items | $347,000 | 8,967 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $347,000 | 9,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 7,730 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,167 |
| Net operating income | $347,000 | 8,708 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 8,437 |
| Total interest expense | $1,832,000 | 7,533 |
| Net interest income | $1,493,000 | 9,299 |
| Provision for loan and lease losses | $598,000 | 2,649 |
| Total noninterest income | $25,000 | 13,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 11,442 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 13,487 |
| Total noninterest expense | $1,562,000 | 7,699 |
| Salaries and employee benefits | $616,000 | 8,681 |
| Premises and equipment expense | $186,000 | 8,166 |
| Additional noninterest expense | $760,000 | 6,346 |
| Pre-tax net operating income | $-642,000 | 13,365 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-634,000 | 13,435 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-634,000 | 13,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $2,083,000 | 302 |
| Net operating income | $-642,000 | 13,346 |
* 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.