Home > Elk County Savings and Loan Association > Income and Expense
Elk County Savings and Loan Association, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $416,000 | 8,265 |
| Total interest expense | $173,000 | 8,158 |
| Net interest income | $243,000 | 8,278 |
| Provision for loan and lease losses | $6,000 | 6,851 |
| Total noninterest income | $-7,000 | 8,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-7,000 | 8,206 |
| Total noninterest expense | $322,000 | 8,235 |
| Salaries and employee benefits | $102,000 | 8,317 |
| Premises and equipment expense | $49,000 | 7,989 |
| Additional noninterest expense | $171,000 | 7,797 |
| Pre-tax net operating income | $-92,000 | 6,895 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,000 | 7,236 |
| Income before extraordinary items | $-91,000 | 6,768 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-91,000 | 6,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,625 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-91,000 | 6,938 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $288,000 | 8,330 |
| Total interest expense | $124,000 | 8,211 |
| Net interest income | $164,000 | 8,343 |
| Provision for loan and lease losses | $4,000 | 6,550 |
| Total noninterest income | $-3,000 | 8,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-3,000 | 8,310 |
| Total noninterest expense | $170,000 | 8,369 |
| Salaries and employee benefits | $66,000 | 8,396 |
| Premises and equipment expense | $27,000 | 8,131 |
| Additional noninterest expense | $77,000 | 8,161 |
| Pre-tax net operating income | $-13,000 | 6,986 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $3,000 | 5,335 |
| Income before extraordinary items | $-16,000 | 7,063 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-16,000 | 7,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,448 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-16,000 | 7,025 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $152,000 | 8,376 |
| Total interest expense | $67,000 | 8,254 |
| Net interest income | $85,000 | 8,392 |
| Provision for loan and lease losses | $2,000 | 5,968 |
| Total noninterest income | $4,000 | 8,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,000 | 7,805 |
| Total noninterest expense | $92,000 | 8,388 |
| Salaries and employee benefits | $33,000 | 8,442 |
| Premises and equipment expense | $15,000 | 8,114 |
| Additional noninterest expense | $44,000 | 8,110 |
| Pre-tax net operating income | $-5,000 | 7,203 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $-9,000 | 7,333 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-9,000 | 7,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-9,000 | 7,256 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $618,000 | 8,352 |
| Total interest expense | $272,000 | 8,233 |
| Net interest income | $346,000 | 8,386 |
| Provision for loan and lease losses | $-21,000 | 8,258 |
| Total noninterest income | $-13,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-13,000 | 8,462 |
| Total noninterest expense | $308,000 | 8,467 |
| Salaries and employee benefits | $146,000 | 8,467 |
| Premises and equipment expense | $68,000 | 8,089 |
| Additional noninterest expense | $94,000 | 8,433 |
| Pre-tax net operating income | $46,000 | 7,301 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $19,000 | 5,444 |
| Income before extraordinary items | $27,000 | 7,410 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $27,000 | 7,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $27,000 | 7,378 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $436,000 | 8,416 |
| Total interest expense | $204,000 | 8,281 |
| Net interest income | $232,000 | 8,458 |
| Provision for loan and lease losses | $-23,000 | 8,340 |
| Total noninterest income | $-1,000 | 8,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-1,000 | 8,486 |
| Total noninterest expense | $219,000 | 8,491 |
| Salaries and employee benefits | $109,000 | 8,486 |
| Premises and equipment expense | $37,000 | 8,252 |
| Additional noninterest expense | $73,000 | 8,440 |
| Pre-tax net operating income | $35,000 | 7,549 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $12,000 | 5,670 |
| Income before extraordinary items | $23,000 | 7,601 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $23,000 | 7,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $23,000 | 7,588 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $290,000 | 8,482 |
| Total interest expense | $137,000 | 8,344 |
| Net interest income | $153,000 | 8,526 |
| Provision for loan and lease losses | $-25,000 | 8,396 |
| Total noninterest income | $-2,000 | 8,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-2,000 | 8,545 |
| Total noninterest expense | $140,000 | 8,549 |
| Salaries and employee benefits | $72,000 | 8,538 |
| Premises and equipment expense | $22,000 | 8,334 |
| Additional noninterest expense | $46,000 | 8,506 |
| Pre-tax net operating income | $36,000 | 7,602 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $8,000 | 5,755 |
| Income before extraordinary items | $28,000 | 7,635 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $28,000 | 7,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $28,000 | 7,619 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $146,000 | 8,537 |
| Total interest expense | $69,000 | 8,385 |
| Net interest income | $77,000 | 8,573 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $1,000 | 8,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $78,000 | 8,575 |
| Salaries and employee benefits | $37,000 | 8,584 |
| Premises and equipment expense | $9,000 | 8,425 |
| Additional noninterest expense | $32,000 | 8,423 |
| Pre-tax net operating income | $-3,000 | 7,871 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $4,000 | 5,783 |
| Income before extraordinary items | $-7,000 | 7,897 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-7,000 | 7,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-7,000 | 7,885 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $597,000 | 8,502 |
| Total interest expense | $268,000 | 8,337 |
| Net interest income | $329,000 | 8,541 |
| Provision for loan and lease losses | $31,000 | 6,003 |
| Total noninterest income | $13,000 | 8,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $13,000 | 8,184 |
| Total noninterest expense | $331,000 | 8,591 |
| Salaries and employee benefits | $158,000 | 8,594 |
| Premises and equipment expense | $71,000 | 8,133 |
| Additional noninterest expense | $102,000 | 8,550 |
| Pre-tax net operating income | $-20,000 | 7,984 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,000 | 6,435 |
| Income before extraordinary items | $-22,000 | 8,005 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-22,000 | 8,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,041 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-22,000 | 7,992 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $452,000 | 8,559 |
| Total interest expense | $197,000 | 8,402 |
| Net interest income | $255,000 | 8,608 |
| Provision for loan and lease losses | $7,000 | 6,476 |
| Total noninterest income | $4,000 | 8,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,000 | 8,464 |
| Total noninterest expense | $233,000 | 8,658 |
| Salaries and employee benefits | $119,000 | 8,651 |
| Premises and equipment expense | $39,000 | 8,389 |
| Additional noninterest expense | $75,000 | 8,601 |
| Pre-tax net operating income | $19,000 | 8,053 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $29,000 | 5,769 |
| Income before extraordinary items | $-10,000 | 8,146 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-10,000 | 8,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,313 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-10,000 | 8,131 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $304,000 | 8,610 |
| Total interest expense | $126,000 | 8,432 |
| Net interest income | $178,000 | 8,647 |
| Provision for loan and lease losses | $4,000 | 6,268 |
| Total noninterest income | $5,000 | 8,619 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,374 |
| Total noninterest expense | $153,000 | 8,704 |
| Salaries and employee benefits | $78,000 | 8,696 |
| Premises and equipment expense | $26,000 | 8,413 |
| Additional noninterest expense | $49,000 | 8,647 |
| Pre-tax net operating income | $26,000 | 8,060 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $25,000 | 5,675 |
| Income before extraordinary items | $1,000 | 8,170 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,000 | 8,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,097 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,000 | 8,159 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $151,000 | 8,638 |
| Total interest expense | $61,000 | 8,455 |
| Net interest income | $90,000 | 8,666 |
| Provision for loan and lease losses | $2,000 | 5,907 |
| Total noninterest income | $3,000 | 8,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $79,000 | 8,708 |
| Salaries and employee benefits | $40,000 | 8,703 |
| Premises and equipment expense | $9,000 | 8,564 |
| Additional noninterest expense | $30,000 | 8,585 |
| Pre-tax net operating income | $12,000 | 8,107 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $17,000 | 5,467 |
| Income before extraordinary items | $-5,000 | 8,233 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-5,000 | 8,224 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $583,000 | 8,592 |
| Total interest expense | $192,000 | 8,458 |
| Net interest income | $391,000 | 8,607 |
| Provision for loan and lease losses | $18,000 | 6,565 |
| Total noninterest income | $12,000 | 8,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,000 | 8,364 |
| Total noninterest expense | $317,000 | 8,747 |
| Salaries and employee benefits | $156,000 | 8,740 |
| Premises and equipment expense | $71,000 | 8,219 |
| Additional noninterest expense | $90,000 | 8,726 |
| Pre-tax net operating income | $68,000 | 8,082 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $18,000 | 6,362 |
| Income before extraordinary items | $49,000 | 8,151 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $49,000 | 8,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $49,730 | 8,122 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $461,000 | 8,629 |
| Total interest expense | $135,000 | 8,508 |
| Net interest income | $326,000 | 8,636 |
| Provision for loan and lease losses | $6,000 | 6,681 |
| Total noninterest income | $10,000 | 8,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,374 |
| Total noninterest expense | $217,000 | 8,772 |
| Salaries and employee benefits | $117,000 | 8,759 |
| Premises and equipment expense | $42,000 | 8,401 |
| Additional noninterest expense | $58,000 | 8,764 |
| Pre-tax net operating income | $113,000 | 7,965 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $12,000 | 6,473 |
| Income before extraordinary items | $100,000 | 7,967 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $100,000 | 7,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $100,890 | 7,934 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $310,000 | 8,631 |
| Total interest expense | $87,000 | 8,524 |
| Net interest income | $223,000 | 8,637 |
| Provision for loan and lease losses | $4,000 | 6,457 |
| Total noninterest income | $6,000 | 8,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,000 | 8,403 |
| Total noninterest expense | $138,000 | 8,792 |
| Salaries and employee benefits | $75,000 | 8,778 |
| Premises and equipment expense | $26,000 | 8,447 |
| Additional noninterest expense | $37,000 | 8,775 |
| Pre-tax net operating income | $87,000 | 7,912 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,000 | 6,480 |
| Income before extraordinary items | $79,000 | 7,890 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $79,000 | 7,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $79,000 | 7,851 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $143,000 | 8,733 |
| Total interest expense | $43,000 | 8,574 |
| Net interest income | $100,000 | 8,746 |
| Provision for loan and lease losses | $2,000 | 6,096 |
| Total noninterest income | $3,000 | 8,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $82,000 | 8,822 |
| Salaries and employee benefits | $40,000 | 8,835 |
| Premises and equipment expense | $17,000 | 8,338 |
| Additional noninterest expense | $25,000 | 8,768 |
| Pre-tax net operating income | $19,000 | 8,264 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,000 | 6,466 |
| Income before extraordinary items | $15,000 | 8,293 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $15,000 | 8,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $15,000 | 8,265 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $559,000 | 8,724 |
| Total interest expense | $164,000 | 8,580 |
| Net interest income | $395,000 | 8,734 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $8,000 | 8,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,000 | 8,601 |
| Total noninterest expense | $310,000 | 8,880 |
| Salaries and employee benefits | $160,000 | 8,868 |
| Premises and equipment expense | $80,000 | 8,210 |
| Additional noninterest expense | $70,000 | 8,891 |
| Pre-tax net operating income | $69,000 | 8,195 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $6,000 | 6,889 |
| Income before extraordinary items | $63,000 | 8,236 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $63,000 | 8,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,468 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $63,000 | 8,191 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $420,000 | 8,777 |
| Total interest expense | $122,000 | 8,628 |
| Net interest income | $298,000 | 8,783 |
| Provision for loan and lease losses | $2,000 | 7,053 |
| Total noninterest income | $5,000 | 8,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,693 |
| Total noninterest expense | $211,000 | 8,940 |
| Salaries and employee benefits | $120,000 | 8,915 |
| Premises and equipment expense | $39,000 | 8,598 |
| Additional noninterest expense | $52,000 | 8,942 |
| Pre-tax net operating income | $90,000 | 8,168 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $21,000 | 6,494 |
| Income before extraordinary items | $69,000 | 8,225 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $69,000 | 8,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,217 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $69,000 | 8,186 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $284,000 | 8,844 |
| Total interest expense | $81,000 | 8,689 |
| Net interest income | $203,000 | 8,845 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,000 | 9,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $144,000 | 8,990 |
| Salaries and employee benefits | $80,000 | 8,971 |
| Premises and equipment expense | $25,000 | 8,656 |
| Additional noninterest expense | $39,000 | 8,969 |
| Pre-tax net operating income | $61,000 | 8,186 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $14,000 | 6,499 |
| Income before extraordinary items | $47,000 | 8,251 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $47,000 | 8,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,489 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $47,000 | 8,190 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $145,000 | 8,877 |
| Total interest expense | $41,000 | 8,737 |
| Net interest income | $104,000 | 8,879 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $0 | 9,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $80,000 | 9,003 |
| Salaries and employee benefits | $37,000 | 9,025 |
| Premises and equipment expense | $13,000 | 8,652 |
| Additional noninterest expense | $30,000 | 8,856 |
| Pre-tax net operating income | $24,000 | 8,267 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $8,000 | 6,367 |
| Income before extraordinary items | $16,000 | 8,388 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $16,000 | 8,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,294 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $16,000 | 8,321 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $596,000 | 8,894 |
| Total interest expense | $200,000 | 8,745 |
| Net interest income | $396,000 | 8,902 |
| Provision for loan and lease losses | $18,000 | 7,137 |
| Total noninterest income | $11,000 | 9,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $11,000 | 8,737 |
| Total noninterest expense | $321,000 | 9,055 |
| Salaries and employee benefits | $191,000 | 9,014 |
| Premises and equipment expense | $57,000 | 8,661 |
| Additional noninterest expense | $73,000 | 9,082 |
| Pre-tax net operating income | $68,000 | 8,312 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $15,000 | 6,905 |
| Income before extraordinary items | $53,000 | 8,443 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $53,000 | 8,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,824 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $53,000 | 8,342 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $445,000 | 8,983 |
| Total interest expense | $157,000 | 8,820 |
| Net interest income | $288,000 | 8,999 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $16,000 | 9,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,000 | 8,420 |
| Total noninterest expense | $247,000 | 9,101 |
| Salaries and employee benefits | $144,000 | 9,064 |
| Premises and equipment expense | $40,000 | 8,754 |
| Additional noninterest expense | $63,000 | 9,097 |
| Pre-tax net operating income | $57,000 | 8,424 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $14,000 | 6,958 |
| Income before extraordinary items | $43,000 | 8,551 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $43,000 | 8,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $43,000 | 8,446 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $299,000 | 9,021 |
| Total interest expense | $107,000 | 8,875 |
| Net interest income | $192,000 | 9,036 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $8,000 | 9,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $8,000 | 8,587 |
| Total noninterest expense | $162,000 | 9,137 |
| Salaries and employee benefits | $98,000 | 9,090 |
| Premises and equipment expense | $24,000 | 8,843 |
| Additional noninterest expense | $40,000 | 9,131 |
| Pre-tax net operating income | $38,000 | 8,452 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $10,000 | 6,956 |
| Income before extraordinary items | $28,000 | 8,599 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $28,000 | 8,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $28,000 | 8,476 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $154,000 | 9,068 |
| Total interest expense | $55,000 | 8,928 |
| Net interest income | $99,000 | 9,073 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $3,000 | 9,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $88,000 | 9,138 |
| Salaries and employee benefits | $48,000 | 9,146 |
| Premises and equipment expense | $13,000 | 8,800 |
| Additional noninterest expense | $27,000 | 9,071 |
| Pre-tax net operating income | $14,000 | 8,532 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $6,000 | 6,816 |
| Income before extraordinary items | $8,000 | 8,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,000 | 8,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $8,000 | 8,552 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $627,000 | 9,097 |
| Total interest expense | $243,000 | 8,995 |
| Net interest income | $384,000 | 9,105 |
| Provision for loan and lease losses | $7,000 | 7,905 |
| Total noninterest income | $13,000 | 9,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,786 |
| Total noninterest expense | $331,000 | 9,214 |
| Salaries and employee benefits | $188,000 | 9,185 |
| Premises and equipment expense | $57,000 | 8,790 |
| Additional noninterest expense | $86,000 | 9,214 |
| Pre-tax net operating income | $59,000 | 8,445 |
| Securities gains (losses) | $9,000 | 3,662 |
| Applicable income taxes | $13,000 | 7,204 |
| Income before extraordinary items | $55,000 | 8,532 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $55,000 | 8,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $47,710 | 8,484 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $684,000 | 9,332 |
| Total interest expense | $319,000 | 9,265 |
| Net interest income | $365,000 | 9,343 |
| Provision for loan and lease losses | $3,000 | 8,160 |
| Total noninterest income | $21,000 | 9,412 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $21,000 | 8,695 |
| Total noninterest expense | $310,000 | 9,479 |
| Salaries and employee benefits | $198,000 | 9,408 |
| Premises and equipment expense | $63,000 | 8,919 |
| Additional noninterest expense | $49,000 | 9,553 |
| Pre-tax net operating income | $73,000 | 8,450 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $21,000 | 7,291 |
| Income before extraordinary items | $52,000 | 8,594 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $52,000 | 8,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $52,000 | 8,502 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $701,000 | 9,592 |
| Total interest expense | $337,000 | 9,503 |
| Net interest income | $364,000 | 9,632 |
| Provision for loan and lease losses | $8,000 | 8,049 |
| Total noninterest income | $22,000 | 9,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $22,000 | 8,890 |
| Total noninterest expense | $303,000 | 9,752 |
| Salaries and employee benefits | $196,000 | 9,646 |
| Premises and equipment expense | $64,000 | 9,098 |
| Additional noninterest expense | $43,000 | 9,849 |
| Pre-tax net operating income | $75,000 | 8,890 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,000 | 8,274 |
| Income before extraordinary items | $73,000 | 8,865 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $73,000 | 8,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,771 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $73,000 | 8,848 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $733,000 | 9,821 |
| Total interest expense | $333,000 | 9,754 |
| Net interest income | $400,000 | 9,821 |
| Provision for loan and lease losses | $66,000 | 6,005 |
| Total noninterest income | $17,000 | 9,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $332,000 | 10,010 |
| Salaries and employee benefits | $189,000 | 9,953 |
| Premises and equipment expense | $71,000 | 9,201 |
| Additional noninterest expense | $72,000 | 10,085 |
| Pre-tax net operating income | $19,000 | 9,340 |
| Securities gains (losses) | $-82,000 | 9,914 |
| Applicable income taxes | $4,000 | 8,624 |
| Income before extraordinary items | $-67,000 | 9,537 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-67,000 | 9,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,952 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $15,000 | 9,359 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $858,000 | 9,981 |
| Total interest expense | $405,000 | 9,889 |
| Net interest income | $453,000 | 10,007 |
| Provision for loan and lease losses | $74,000 | 5,769 |
| Total noninterest income | $19,000 | 10,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $19,000 | 9,525 |
| Total noninterest expense | $337,000 | 10,189 |
| Salaries and employee benefits | $182,000 | 10,180 |
| Premises and equipment expense | $81,000 | 9,122 |
| Additional noninterest expense | $74,000 | 10,291 |
| Pre-tax net operating income | $61,000 | 9,582 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $20,000 | 8,879 |
| Income before extraordinary items | $41,000 | 9,667 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $41,000 | 9,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,888 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $41,000 | 9,607 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $801,000 | 10,478 |
| Total interest expense | $386,000 | 10,358 |
| Net interest income | $415,000 | 10,534 |
| Provision for loan and lease losses | $27,000 | 7,550 |
| Total noninterest income | $15,000 | 10,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $15,000 | 10,147 |
| Total noninterest expense | $273,000 | 10,744 |
| Salaries and employee benefits | $173,000 | 10,645 |
| Premises and equipment expense | $49,000 | 10,222 |
| Additional noninterest expense | $51,000 | 10,826 |
| Pre-tax net operating income | $130,000 | 9,948 |
| Securities gains (losses) | $-84,000 | 10,737 |
| Applicable income taxes | $44,000 | 9,342 |
| Income before extraordinary items | $2,000 | 10,395 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,000 | 10,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $55,760 | 10,173 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $771,000 | 11,050 |
| Total interest expense | $355,000 | 10,977 |
| Net interest income | $416,000 | 11,064 |
| Provision for loan and lease losses | $4,000 | 8,888 |
| Total noninterest income | $17,000 | 11,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $358,000 | 11,091 |
| Salaries and employee benefits | $208,000 | 10,970 |
| Premises and equipment expense | $38,000 | 10,966 |
| Additional noninterest expense | $112,000 | 10,975 |
| Pre-tax net operating income | $71,000 | 10,505 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $17,000 | 10,255 |
| Income before extraordinary items | $51,000 | 10,575 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $51,000 | 10,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $53,250 | 10,511 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $778,000 | 11,549 |
| Total interest expense | $356,000 | 11,459 |
| Net interest income | $422,000 | 11,550 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $20,000 | 11,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $20,000 | 10,891 |
| Total noninterest expense | $271,000 | 11,773 |
| Salaries and employee benefits | $174,000 | 11,628 |
| Premises and equipment expense | $36,000 | 11,479 |
| Additional noninterest expense | $61,000 | 11,856 |
| Pre-tax net operating income | $161,000 | 10,709 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $56,000 | 10,067 |
| Income before extraordinary items | $105,000 | 10,888 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $105,000 | 10,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $105,000 | 10,864 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $766,000 | 12,108 |
| Total interest expense | $324,000 | 11,935 |
| Net interest income | $442,000 | 12,150 |
| Provision for loan and lease losses | $17,000 | 7,997 |
| Total noninterest income | $7,000 | 12,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $7,000 | 12,250 |
| Total noninterest expense | $280,000 | 12,390 |
| Salaries and employee benefits | $162,000 | 12,299 |
| Premises and equipment expense | $63,000 | 11,198 |
| Additional noninterest expense | $55,000 | 12,535 |
| Pre-tax net operating income | $152,000 | 11,253 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $52,000 | 10,415 |
| Income before extraordinary items | $98,000 | 11,405 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $98,000 | 11,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $99,300 | 11,434 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $808,000 | 12,661 |
| Total interest expense | $379,000 | 12,315 |
| Net interest income | $429,000 | 12,742 |
| Provision for loan and lease losses | $14,000 | 9,467 |
| Total noninterest income | $8,000 | 13,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $8,000 | 12,880 |
| Total noninterest expense | $234,000 | 13,141 |
| Salaries and employee benefits | $135,000 | 13,066 |
| Premises and equipment expense | $49,000 | 12,246 |
| Additional noninterest expense | $50,000 | 13,214 |
| Pre-tax net operating income | $189,000 | 11,135 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $74,000 | 10,356 |
| Income before extraordinary items | $115,000 | 11,643 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $115,000 | 11,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $115,000 | 11,445 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $902,000 | 13,191 |
| Total interest expense | $475,000 | 12,860 |
| Net interest income | $427,000 | 13,311 |
| Provision for loan and lease losses | $4,000 | 11,584 |
| Total noninterest income | $10,000 | 13,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $10,000 | 13,358 |
| Total noninterest expense | $244,000 | 13,712 |
| Salaries and employee benefits | $137,000 | 13,639 |
| Premises and equipment expense | $40,000 | 13,061 |
| Additional noninterest expense | $67,000 | 13,760 |
| Pre-tax net operating income | $189,000 | 11,179 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $61,000 | 10,966 |
| Income before extraordinary items | $128,000 | 11,574 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $128,000 | 11,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $128,000 | 11,247 |
* 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.