Home > Equitable Bank > Income and Expense
Equitable Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,808,000 | 2,713 |
| Total interest expense | $5,021,000 | 3,468 |
| Net interest income | $9,787,000 | 2,287 |
| Provision for loan and lease losses | $1,069,000 | 1,361 |
| Total noninterest income | $843,000 | 3,905 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $652,000 | 2,512 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $191,000 | 5,161 |
| Total noninterest expense | $6,031,000 | 2,953 |
| Salaries and employee benefits | $3,277,000 | 3,006 |
| Premises and equipment expense | $1,271,000 | 2,055 |
| Additional noninterest expense | $1,483,000 | 3,447 |
| Pre-tax net operating income | $3,530,000 | 2,180 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,329,000 | 1,531 |
| Income before extraordinary items | $2,201,000 | 2,631 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,201,000 | 2,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,873 |
| Cash dividends | $260,000 | 4,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,201,000 | 2,625 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,197,000 | 2,693 |
| Total interest expense | $3,720,000 | 3,484 |
| Net interest income | $7,477,000 | 2,258 |
| Provision for loan and lease losses | $25,000 | 5,669 |
| Total noninterest income | $651,000 | 3,841 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $510,000 | 2,407 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $141,000 | 5,213 |
| Total noninterest expense | $4,486,000 | 2,954 |
| Salaries and employee benefits | $2,442,000 | 2,993 |
| Premises and equipment expense | $928,000 | 2,084 |
| Additional noninterest expense | $1,116,000 | 3,381 |
| Pre-tax net operating income | $3,617,000 | 1,810 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,362,000 | 1,316 |
| Income before extraordinary items | $2,255,000 | 2,157 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,255,000 | 2,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,597 |
| Cash dividends | $160,000 | 4,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,255,000 | 2,141 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,494,000 | 2,701 |
| Total interest expense | $2,413,000 | 3,553 |
| Net interest income | $5,081,000 | 2,260 |
| Provision for loan and lease losses | $25,000 | 5,140 |
| Total noninterest income | $459,000 | 3,732 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $357,000 | 2,322 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $102,000 | 5,087 |
| Total noninterest expense | $3,042,000 | 2,941 |
| Salaries and employee benefits | $1,657,000 | 2,980 |
| Premises and equipment expense | $615,000 | 2,105 |
| Additional noninterest expense | $770,000 | 3,293 |
| Pre-tax net operating income | $2,473,000 | 1,826 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $931,000 | 1,340 |
| Income before extraordinary items | $1,542,000 | 2,167 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,542,000 | 2,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,510 |
| Cash dividends | $160,000 | 3,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,542,000 | 2,145 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,766,000 | 2,683 |
| Total interest expense | $1,142,000 | 3,663 |
| Net interest income | $2,624,000 | 2,195 |
| Provision for loan and lease losses | $25,000 | 4,116 |
| Total noninterest income | $238,000 | 3,644 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $191,000 | 2,128 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $47,000 | 5,236 |
| Total noninterest expense | $1,571,000 | 2,868 |
| Salaries and employee benefits | $819,000 | 3,025 |
| Premises and equipment expense | $328,000 | 1,990 |
| Additional noninterest expense | $424,000 | 3,022 |
| Pre-tax net operating income | $1,266,000 | 1,792 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $477,000 | 1,328 |
| Income before extraordinary items | $789,000 | 2,088 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $789,000 | 2,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $160,000 | 2,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $789,000 | 2,080 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,191,000 | 2,848 |
| Total interest expense | $3,283,000 | 4,087 |
| Net interest income | $9,908,000 | 2,303 |
| Provision for loan and lease losses | $400,000 | 2,257 |
| Total noninterest income | $873,000 | 3,848 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $686,000 | 2,418 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $187,000 | 5,237 |
| Total noninterest expense | $6,206,000 | 2,790 |
| Salaries and employee benefits | $3,183,000 | 2,970 |
| Premises and equipment expense | $1,434,000 | 1,769 |
| Additional noninterest expense | $1,589,000 | 3,142 |
| Pre-tax net operating income | $4,175,000 | 2,185 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,523,000 | 1,639 |
| Income before extraordinary items | $2,652,000 | 2,494 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,652,000 | 2,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,106 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $687,000 | 546 |
| Net operating income | $2,652,000 | 2,477 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,556,000 | 2,918 |
| Total interest expense | $2,209,000 | 4,277 |
| Net interest income | $7,347,000 | 2,349 |
| Provision for loan and lease losses | $250,000 | 2,440 |
| Total noninterest income | $627,000 | 3,953 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $484,000 | 2,552 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $143,000 | 5,225 |
| Total noninterest expense | $4,559,000 | 2,839 |
| Salaries and employee benefits | $2,401,000 | 2,951 |
| Premises and equipment expense | $1,007,000 | 1,875 |
| Additional noninterest expense | $1,151,000 | 3,238 |
| Pre-tax net operating income | $3,165,000 | 2,231 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,203,000 | 1,645 |
| Income before extraordinary items | $1,962,000 | 2,604 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,962,000 | 2,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $687,000 | 414 |
| Net operating income | $1,962,000 | 2,593 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,022,000 | 3,015 |
| Total interest expense | $1,239,000 | 4,623 |
| Net interest income | $4,783,000 | 2,414 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $378,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $281,000 | 2,801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $97,000 | 5,198 |
| Total noninterest expense | $2,993,000 | 2,885 |
| Salaries and employee benefits | $1,586,000 | 2,986 |
| Premises and equipment expense | $656,000 | 1,916 |
| Additional noninterest expense | $751,000 | 3,296 |
| Pre-tax net operating income | $2,018,000 | 2,293 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $767,000 | 1,722 |
| Income before extraordinary items | $1,251,000 | 2,700 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,251,000 | 2,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $687,000 | 298 |
| Net operating income | $1,251,000 | 2,688 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,804,000 | 3,153 |
| Total interest expense | $495,000 | 5,139 |
| Net interest income | $2,309,000 | 2,469 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $171,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $130,000 | 2,909 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $41,000 | 5,486 |
| Total noninterest expense | $1,457,000 | 2,955 |
| Salaries and employee benefits | $764,000 | 3,091 |
| Premises and equipment expense | $333,000 | 1,899 |
| Additional noninterest expense | $360,000 | 3,389 |
| Pre-tax net operating income | $948,000 | 2,374 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $360,000 | 1,787 |
| Income before extraordinary items | $588,000 | 2,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $588,000 | 2,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $687,000 | 161 |
| Net operating income | $588,000 | 2,769 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,154,000 | 3,120 |
| Total interest expense | $1,839,000 | 4,684 |
| Net interest income | $8,315,000 | 2,611 |
| Provision for loan and lease losses | $163,000 | 3,988 |
| Total noninterest income | $628,000 | 4,679 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $474,000 | 3,161 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $154,000 | 5,678 |
| Total noninterest expense | $5,712,000 | 2,883 |
| Salaries and employee benefits | $2,989,000 | 2,966 |
| Premises and equipment expense | $1,302,000 | 1,855 |
| Additional noninterest expense | $1,421,000 | 3,368 |
| Pre-tax net operating income | $3,068,000 | 2,702 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,166,000 | 2,047 |
| Income before extraordinary items | $1,902,000 | 3,223 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,902,000 | 3,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,564 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $596,000 | 523 |
| Net operating income | $1,902,000 | 3,189 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,417,000 | 3,137 |
| Total interest expense | $1,373,000 | 4,561 |
| Net interest income | $6,044,000 | 2,655 |
| Provision for loan and lease losses | $347,000 | 1,962 |
| Total noninterest income | $456,000 | 4,782 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $344,000 | 3,255 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $112,000 | 5,746 |
| Total noninterest expense | $4,266,000 | 2,847 |
| Salaries and employee benefits | $2,251,000 | 2,935 |
| Premises and equipment expense | $983,000 | 1,831 |
| Additional noninterest expense | $1,032,000 | 3,423 |
| Pre-tax net operating income | $1,887,000 | 3,183 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $838,000 | 2,132 |
| Income before extraordinary items | $1,049,000 | 4,037 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,049,000 | 4,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $596,000 | 391 |
| Net operating income | $1,049,000 | 3,991 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,824,000 | 3,139 |
| Total interest expense | $883,000 | 4,496 |
| Net interest income | $3,941,000 | 2,695 |
| Provision for loan and lease losses | $26,000 | 5,434 |
| Total noninterest income | $302,000 | 4,769 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $229,000 | 3,212 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $73,000 | 5,795 |
| Total noninterest expense | $2,865,000 | 2,823 |
| Salaries and employee benefits | $1,485,000 | 2,953 |
| Premises and equipment expense | $661,000 | 1,804 |
| Additional noninterest expense | $719,000 | 3,299 |
| Pre-tax net operating income | $1,352,000 | 2,973 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $519,000 | 2,224 |
| Income before extraordinary items | $833,000 | 3,549 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $833,000 | 3,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $596,000 | 274 |
| Net operating income | $833,000 | 3,501 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 3,354 |
| Total interest expense | $425,000 | 4,486 |
| Net interest income | $1,759,000 | 2,980 |
| Provision for loan and lease losses | $13,000 | 5,229 |
| Total noninterest income | $153,000 | 4,660 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $117,000 | 3,099 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,847 |
| Total noninterest expense | $1,389,000 | 2,899 |
| Salaries and employee benefits | $755,000 | 2,911 |
| Premises and equipment expense | $316,000 | 1,894 |
| Additional noninterest expense | $318,000 | 3,625 |
| Pre-tax net operating income | $510,000 | 3,618 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $197,000 | 2,622 |
| Income before extraordinary items | $313,000 | 4,245 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $313,000 | 4,247 |
| 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 | $596,000 | 148 |
| Net operating income | $313,000 | 4,199 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,695,000 | 3,191 |
| Total interest expense | $1,735,000 | 4,075 |
| Net interest income | $6,960,000 | 2,901 |
| Provision for loan and lease losses | $91,000 | 5,155 |
| Total noninterest income | $608,000 | 4,788 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $459,000 | 3,329 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $149,000 | 5,698 |
| Total noninterest expense | $5,105,000 | 3,056 |
| Salaries and employee benefits | $2,656,000 | 3,182 |
| Premises and equipment expense | $1,151,000 | 2,002 |
| Additional noninterest expense | $1,298,000 | 3,530 |
| Pre-tax net operating income | $2,372,000 | 3,130 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $894,000 | 2,354 |
| Income before extraordinary items | $1,478,000 | 3,675 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,478,000 | 3,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,599 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 830 |
| Net operating income | $1,478,000 | 3,619 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,480,000 | 3,181 |
| Total interest expense | $1,312,000 | 4,022 |
| Net interest income | $5,168,000 | 2,915 |
| Provision for loan and lease losses | $91,000 | 4,413 |
| Total noninterest income | $447,000 | 4,849 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $337,000 | 3,399 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 5,753 |
| Total noninterest expense | $3,672,000 | 3,149 |
| Salaries and employee benefits | $1,879,000 | 3,320 |
| Premises and equipment expense | $831,000 | 2,079 |
| Additional noninterest expense | $962,000 | 3,532 |
| Pre-tax net operating income | $1,852,000 | 3,075 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $702,000 | 2,305 |
| Income before extraordinary items | $1,150,000 | 3,647 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,150,000 | 3,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,290 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 693 |
| Net operating income | $1,150,000 | 3,580 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,281,000 | 3,201 |
| Total interest expense | $873,000 | 4,020 |
| Net interest income | $3,408,000 | 2,928 |
| Provision for loan and lease losses | $52,000 | 4,649 |
| Total noninterest income | $294,000 | 4,879 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $221,000 | 3,416 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $73,000 | 5,776 |
| Total noninterest expense | $2,394,000 | 3,218 |
| Salaries and employee benefits | $1,212,000 | 3,415 |
| Premises and equipment expense | $528,000 | 2,161 |
| Additional noninterest expense | $654,000 | 3,482 |
| Pre-tax net operating income | $1,256,000 | 3,000 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $473,000 | 2,291 |
| Income before extraordinary items | $783,000 | 3,576 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $783,000 | 3,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,320 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 590 |
| Net operating income | $783,000 | 3,491 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 3,206 |
| Total interest expense | $444,000 | 4,013 |
| Net interest income | $1,695,000 | 2,925 |
| Provision for loan and lease losses | $13,000 | 5,421 |
| Total noninterest income | $144,000 | 4,873 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $104,000 | 3,485 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $40,000 | 5,560 |
| Total noninterest expense | $1,184,000 | 3,259 |
| Salaries and employee benefits | $589,000 | 3,531 |
| Premises and equipment expense | $258,000 | 2,228 |
| Additional noninterest expense | $337,000 | 3,404 |
| Pre-tax net operating income | $642,000 | 2,903 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $241,000 | 2,253 |
| Income before extraordinary items | $401,000 | 3,487 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $401,000 | 3,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,331 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 416 |
| Net operating income | $401,000 | 3,390 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,530,000 | 3,252 |
| Total interest expense | $2,040,000 | 3,969 |
| Net interest income | $6,490,000 | 2,961 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $687,000 | 4,604 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $419,000 | 3,546 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $268,000 | 4,723 |
| Total noninterest expense | $4,599,000 | 3,292 |
| Salaries and employee benefits | $2,250,000 | 3,554 |
| Premises and equipment expense | $1,034,000 | 2,199 |
| Additional noninterest expense | $1,315,000 | 3,459 |
| Pre-tax net operating income | $2,578,000 | 2,822 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $970,000 | 2,227 |
| Income before extraordinary items | $1,608,000 | 3,391 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,608,000 | 3,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-106,000 | 9,048 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 797 |
| Net operating income | $1,608,000 | 3,226 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,362,000 | 3,306 |
| Total interest expense | $1,600,000 | 3,944 |
| Net interest income | $4,762,000 | 3,036 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $534,000 | 4,554 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $301,000 | 3,648 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $233,000 | 4,509 |
| Total noninterest expense | $3,442,000 | 3,286 |
| Salaries and employee benefits | $1,693,000 | 3,532 |
| Premises and equipment expense | $765,000 | 2,226 |
| Additional noninterest expense | $984,000 | 3,443 |
| Pre-tax net operating income | $1,854,000 | 3,008 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $697,000 | 2,394 |
| Income before extraordinary items | $1,157,000 | 3,596 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,157,000 | 3,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 9,030 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 672 |
| Net operating income | $1,157,000 | 3,421 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,249,000 | 3,322 |
| Total interest expense | $1,138,000 | 3,835 |
| Net interest income | $3,111,000 | 3,085 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $365,000 | 4,471 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $205,000 | 3,565 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $160,000 | 4,459 |
| Total noninterest expense | $2,306,000 | 3,269 |
| Salaries and employee benefits | $1,138,000 | 3,516 |
| Premises and equipment expense | $484,000 | 2,326 |
| Additional noninterest expense | $684,000 | 3,294 |
| Pre-tax net operating income | $1,170,000 | 3,143 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $440,000 | 2,512 |
| Income before extraordinary items | $730,000 | 3,749 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $730,000 | 3,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 9,004 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 543 |
| Net operating income | $730,000 | 3,550 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,150,000 | 3,322 |
| Total interest expense | $606,000 | 3,721 |
| Net interest income | $1,544,000 | 3,101 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $157,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $102,000 | 3,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $55,000 | 5,085 |
| Total noninterest expense | $1,122,000 | 3,335 |
| Salaries and employee benefits | $561,000 | 3,552 |
| Premises and equipment expense | $228,000 | 2,440 |
| Additional noninterest expense | $333,000 | 3,335 |
| Pre-tax net operating income | $579,000 | 3,157 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $218,000 | 2,557 |
| Income before extraordinary items | $361,000 | 3,726 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $361,000 | 3,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 9,107 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 367 |
| Net operating income | $361,000 | 3,554 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,321,000 | 3,209 |
| Total interest expense | $3,918,000 | 2,802 |
| Net interest income | $5,403,000 | 3,427 |
| Provision for loan and lease losses | $1,246,000 | 1,091 |
| Total noninterest income | $883,000 | 3,751 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $452,000 | 3,220 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $431,000 | 3,556 |
| Total noninterest expense | $4,327,000 | 3,334 |
| Salaries and employee benefits | $1,931,000 | 3,852 |
| Premises and equipment expense | $878,000 | 2,466 |
| Additional noninterest expense | $1,518,000 | 2,933 |
| Pre-tax net operating income | $713,000 | 6,032 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $560,000 | 3,233 |
| Income before extraordinary items | $153,000 | 8,073 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $153,000 | 8,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $702,000 | 1,277 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,499,000 | 332 |
| Net operating income | $153,000 | 7,967 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,206,000 | 3,559 |
| Total interest expense | $4,348,000 | 3,561 |
| Net interest income | $4,858,000 | 3,516 |
| Provision for loan and lease losses | $723,000 | 1,624 |
| Total noninterest income | $693,000 | 4,217 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $527,000 | 2,726 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $166,000 | 5,316 |
| Total noninterest expense | $3,619,000 | 3,724 |
| Salaries and employee benefits | $1,788,000 | 3,938 |
| Premises and equipment expense | $794,000 | 2,652 |
| Additional noninterest expense | $1,037,000 | 3,941 |
| Pre-tax net operating income | $1,209,000 | 4,400 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $513,000 | 3,289 |
| Income before extraordinary items | $696,000 | 5,243 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $696,000 | 5,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $632,000 | 1,311 |
| Cash dividends | $99,000 | 5,794 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 870 |
| Net operating income | $696,000 | 5,129 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,551,000 | 4,307 |
| Total interest expense | $3,246,000 | 4,647 |
| Net interest income | $4,305,000 | 3,938 |
| Provision for loan and lease losses | $192,000 | 3,840 |
| Total noninterest income | $896,000 | 3,401 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $599,000 | 2,294 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $297,000 | 3,944 |
| Total noninterest expense | $3,449,000 | 3,752 |
| Salaries and employee benefits | $1,686,000 | 3,978 |
| Premises and equipment expense | $859,000 | 2,405 |
| Additional noninterest expense | $905,000 | 4,315 |
| Pre-tax net operating income | $1,560,000 | 3,964 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $587,000 | 3,154 |
| Income before extraordinary items | $973,000 | 4,463 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $973,000 | 4,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,215 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $973,000 | 4,462 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,731,000 | 5,105 |
| Total interest expense | $2,321,000 | 5,460 |
| Net interest income | $3,410,000 | 4,731 |
| Provision for loan and lease losses | $258,000 | 2,994 |
| Total noninterest income | $687,000 | 4,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $482,000 | 2,718 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,886 |
| Total noninterest expense | $3,315,000 | 3,883 |
| Salaries and employee benefits | $1,549,000 | 4,217 |
| Premises and equipment expense | $886,000 | 2,294 |
| Additional noninterest expense | $880,000 | 4,455 |
| Pre-tax net operating income | $524,000 | 7,036 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $197,000 | 5,744 |
| Income before extraordinary items | $327,000 | 7,420 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $327,000 | 7,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,365 |
| Cash dividends | $959,000 | 2,363 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 989 |
| Net operating income | $327,000 | 7,394 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,783,000 | 5,140 |
| Total interest expense | $2,130,000 | 5,961 |
| Net interest income | $3,653,000 | 4,431 |
| Provision for loan and lease losses | $50,000 | 6,568 |
| Total noninterest income | $1,148,000 | 2,783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $600,000 | 2,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $548,000 | 2,816 |
| Total noninterest expense | $3,419,000 | 3,686 |
| Salaries and employee benefits | $1,595,000 | 4,051 |
| Premises and equipment expense | $804,000 | 2,440 |
| Additional noninterest expense | $1,020,000 | 3,895 |
| Pre-tax net operating income | $1,332,000 | 4,546 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $508,000 | 3,793 |
| Income before extraordinary items | $824,000 | 5,102 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $824,000 | 5,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,482 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 982 |
| Net operating income | $824,000 | 5,011 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,498,000 | 5,412 |
| Total interest expense | $1,938,000 | 6,389 |
| Net interest income | $3,560,000 | 4,666 |
| Provision for loan and lease losses | $33,000 | 7,298 |
| Total noninterest income | $951,000 | 3,171 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $715,000 | 1,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,529 |
| Total noninterest expense | $3,278,000 | 3,815 |
| Salaries and employee benefits | $1,547,000 | 4,147 |
| Premises and equipment expense | $763,000 | 2,529 |
| Additional noninterest expense | $968,000 | 4,024 |
| Pre-tax net operating income | $1,200,000 | 5,250 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $457,000 | 4,479 |
| Income before extraordinary items | $743,000 | 5,708 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $743,000 | 5,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 704 |
| Net operating income | $743,000 | 5,663 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,163,000 | 5,802 |
| Total interest expense | $1,796,000 | 6,853 |
| Net interest income | $3,367,000 | 4,991 |
| Provision for loan and lease losses | $19,000 | 8,051 |
| Total noninterest income | $670,000 | 4,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $619,000 | 2,179 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,849 |
| Total noninterest expense | $3,083,000 | 4,224 |
| Salaries and employee benefits | $1,471,000 | 4,388 |
| Premises and equipment expense | $611,000 | 3,149 |
| Additional noninterest expense | $1,001,000 | 4,405 |
| Pre-tax net operating income | $935,000 | 5,971 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $264,000 | 6,251 |
| Income before extraordinary items | $671,000 | 5,889 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $671,000 | 5,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,918 |
| Cash dividends | $80,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 874 |
| Net operating income | $671,000 | 5,832 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,917,000 | 6,067 |
| Total interest expense | $1,671,000 | 7,217 |
| Net interest income | $3,246,000 | 5,171 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $653,000 | 4,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $588,000 | 2,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,550 |
| Total noninterest expense | $2,782,000 | 4,554 |
| Salaries and employee benefits | $1,394,000 | 4,575 |
| Premises and equipment expense | $448,000 | 4,129 |
| Additional noninterest expense | $940,000 | 4,586 |
| Pre-tax net operating income | $1,057,000 | 5,760 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $428,000 | 4,717 |
| Income before extraordinary items | $629,000 | 6,435 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $629,000 | 6,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,445 |
| Cash dividends | $60,000 | 7,552 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 774 |
| Net operating income | $629,000 | 6,422 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,940,000 | 6,777 |
| Total interest expense | $1,170,000 | 8,024 |
| Net interest income | $2,770,000 | 5,971 |
| Provision for loan and lease losses | $74,000 | 5,218 |
| Total noninterest income | $582,000 | 4,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $531,000 | 2,566 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,565 |
| Total noninterest expense | $2,777,000 | 4,721 |
| Salaries and employee benefits | $1,223,000 | 5,165 |
| Premises and equipment expense | $411,000 | 4,477 |
| Additional noninterest expense | $1,143,000 | 4,231 |
| Pre-tax net operating income | $501,000 | 8,651 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $180,000 | 7,704 |
| Income before extraordinary items | $321,000 | 8,929 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $321,000 | 8,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,325 |
| Cash dividends | $20,000 | 8,568 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,111 |
| Net operating income | $321,000 | 8,979 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,064,000 | 6,802 |
| Total interest expense | $1,400,000 | 7,537 |
| Net interest income | $2,664,000 | 6,233 |
| Provision for loan and lease losses | $106,000 | 5,611 |
| Total noninterest income | $627,000 | 4,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $566,000 | 2,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,494 |
| Total noninterest expense | $2,712,000 | 4,908 |
| Salaries and employee benefits | $1,325,000 | 4,795 |
| Premises and equipment expense | $396,000 | 4,760 |
| Additional noninterest expense | $991,000 | 4,961 |
| Pre-tax net operating income | $473,000 | 8,836 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $158,000 | 8,455 |
| Income before extraordinary items | $315,000 | 9,302 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $315,000 | 9,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,874 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $315,000 | 9,049 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,723,000 | 6,649 |
| Total interest expense | $2,004,000 | 7,098 |
| Net interest income | $2,719,000 | 6,179 |
| Provision for loan and lease losses | $72,000 | 8,175 |
| Total noninterest income | $567,000 | 5,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $508,000 | 2,732 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,852 |
| Total noninterest expense | $2,744,000 | 4,905 |
| Salaries and employee benefits | $1,314,000 | 4,771 |
| Premises and equipment expense | $356,000 | 5,305 |
| Additional noninterest expense | $1,074,000 | 4,772 |
| Pre-tax net operating income | $470,000 | 8,637 |
| Securities gains (losses) | $206,000 | 1,976 |
| Applicable income taxes | $144,000 | 8,775 |
| Income before extraordinary items | $532,000 | 7,056 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $532,000 | 7,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 6,028 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $104,000 | 819 |
| Net operating income | $369,260 | 8,159 |
* 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.