Home > Excel Bank Minnesota > Income and Expense
Excel Bank Minnesota, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $22,111,000 | 966 |
| Total interest expense | $11,122,000 | 886 |
| Net interest income | $10,989,000 | 1,022 |
| Provision for loan and lease losses | $2,901,000 | 251 |
| Total noninterest income | $644,000 | 3,002 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $369,000 | 2,258 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $275,000 | 3,170 |
| Total noninterest expense | $9,577,000 | 982 |
| Salaries and employee benefits | $4,132,000 | 1,232 |
| Premises and equipment expense | $1,064,000 | 1,257 |
| Additional noninterest expense | $4,381,000 | 643 |
| Pre-tax net operating income | $-845,000 | 8,417 |
| Securities gains (losses) | $-7,000 | 7,919 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-852,000 | 8,451 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-852,000 | 8,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,126,000 | 194 |
| Cash dividends | $8,366,000 | 292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-845,000 | 8,440 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,678,000 | 996 |
| Total interest expense | $5,452,000 | 897 |
| Net interest income | $5,226,000 | 1,066 |
| Provision for loan and lease losses | $293,000 | 850 |
| Total noninterest income | $319,000 | 2,997 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $177,000 | 2,278 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $142,000 | 3,115 |
| Total noninterest expense | $3,398,000 | 1,370 |
| Salaries and employee benefits | $2,108,000 | 1,214 |
| Premises and equipment expense | $547,000 | 1,226 |
| Additional noninterest expense | $743,000 | 1,794 |
| Pre-tax net operating income | $1,854,000 | 1,259 |
| Securities gains (losses) | $-4,000 | 8,145 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,850,000 | 951 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,850,000 | 950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $759,000 | 295 |
| Cash dividends | $507,000 | 1,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,854,000 | 939 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $42,288,000 | 919 |
| Total interest expense | $20,367,000 | 823 |
| Net interest income | $21,921,000 | 1,014 |
| Provision for loan and lease losses | $870,000 | 1,188 |
| Total noninterest income | $1,674,000 | 2,505 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $702,000 | 2,369 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $972,000 | 2,274 |
| Total noninterest expense | $12,934,000 | 1,382 |
| Salaries and employee benefits | $7,566,000 | 1,289 |
| Premises and equipment expense | $2,111,000 | 1,213 |
| Additional noninterest expense | $3,257,000 | 1,617 |
| Pre-tax net operating income | $9,791,000 | 997 |
| Securities gains (losses) | $-36,000 | 7,803 |
| Applicable income taxes | $5,000 | 6,317 |
| Income before extraordinary items | $9,750,000 | 758 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,750,000 | 757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $855,000 | 790 |
| Cash dividends | $3,185,000 | 1,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $9,786,000 | 746 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $31,311,000 | 937 |
| Total interest expense | $14,938,000 | 827 |
| Net interest income | $16,373,000 | 1,042 |
| Provision for loan and lease losses | $952,000 | 784 |
| Total noninterest income | $1,281,000 | 2,489 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $515,000 | 2,419 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $766,000 | 2,196 |
| Total noninterest expense | $9,802,000 | 1,377 |
| Salaries and employee benefits | $5,810,000 | 1,271 |
| Premises and equipment expense | $1,546,000 | 1,253 |
| Additional noninterest expense | $2,446,000 | 1,609 |
| Pre-tax net operating income | $6,900,000 | 1,109 |
| Securities gains (losses) | $-36,000 | 8,061 |
| Applicable income taxes | $5,000 | 6,397 |
| Income before extraordinary items | $6,859,000 | 844 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,859,000 | 843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $950,000 | 486 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $6,895,000 | 831 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $20,264,000 | 943 |
| Total interest expense | $9,267,000 | 843 |
| Net interest income | $10,997,000 | 1,037 |
| Provision for loan and lease losses | $952,000 | 540 |
| Total noninterest income | $716,000 | 2,792 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $333,000 | 2,450 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $383,000 | 2,624 |
| Total noninterest expense | $7,122,000 | 1,281 |
| Salaries and employee benefits | $4,325,000 | 1,139 |
| Premises and equipment expense | $1,038,000 | 1,246 |
| Additional noninterest expense | $1,759,000 | 1,512 |
| Pre-tax net operating income | $3,639,000 | 1,389 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $5,000 | 6,332 |
| Income before extraordinary items | $3,634,000 | 1,060 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,634,000 | 1,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,634,000 | 1,048 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,992,000 | 932 |
| Total interest expense | $4,223,000 | 874 |
| Net interest income | $5,769,000 | 985 |
| Provision for loan and lease losses | $537,000 | 448 |
| Total noninterest income | $270,000 | 3,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $158,000 | 2,487 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $112,000 | 3,511 |
| Total noninterest expense | $3,880,000 | 1,174 |
| Salaries and employee benefits | $2,557,000 | 955 |
| Premises and equipment expense | $557,000 | 1,152 |
| Additional noninterest expense | $766,000 | 1,711 |
| Pre-tax net operating income | $1,622,000 | 1,523 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $1,617,000 | 1,156 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,617,000 | 1,155 |
| 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 | $0 | 648 |
| Net operating income | $1,617,000 | 1,139 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $34,551,000 | 950 |
| Total interest expense | $11,938,000 | 935 |
| Net interest income | $22,613,000 | 942 |
| Provision for loan and lease losses | $3,673,000 | 303 |
| Total noninterest income | $1,606,000 | 2,577 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $785,000 | 2,142 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $821,000 | 2,495 |
| Total noninterest expense | $14,919,000 | 1,161 |
| Salaries and employee benefits | $9,043,000 | 1,024 |
| Premises and equipment expense | $2,267,000 | 1,059 |
| Additional noninterest expense | $3,609,000 | 1,419 |
| Pre-tax net operating income | $5,627,000 | 1,664 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $5,000 | 6,664 |
| Income before extraordinary items | $5,622,000 | 1,275 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,622,000 | 1,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,785,000 | 304 |
| Cash dividends | $7,006,000 | 499 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 300 |
| Net operating income | $5,622,000 | 1,250 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $25,227,000 | 950 |
| Total interest expense | $8,579,000 | 923 |
| Net interest income | $16,648,000 | 952 |
| Provision for loan and lease losses | $1,960,000 | 391 |
| Total noninterest income | $1,144,000 | 2,670 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $618,000 | 2,049 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $526,000 | 2,779 |
| Total noninterest expense | $10,906,000 | 1,178 |
| Salaries and employee benefits | $6,898,000 | 990 |
| Premises and equipment expense | $1,606,000 | 1,122 |
| Additional noninterest expense | $2,402,000 | 1,567 |
| Pre-tax net operating income | $4,926,000 | 1,455 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $5,000 | 6,684 |
| Income before extraordinary items | $4,921,000 | 1,095 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,921,000 | 1,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,786,000 | 250 |
| Cash dividends | $4,455,000 | 533 |
| Sale, conversion, retirement of capital stock, net | $457,000 | 414 |
| Net operating income | $4,921,000 | 1,075 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $16,019,000 | 973 |
| Total interest expense | $5,227,000 | 940 |
| Net interest income | $10,792,000 | 968 |
| Provision for loan and lease losses | $500,000 | 966 |
| Total noninterest income | $686,000 | 2,808 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $441,000 | 1,910 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $245,000 | 3,396 |
| Total noninterest expense | $7,104,000 | 1,190 |
| Salaries and employee benefits | $4,643,000 | 965 |
| Premises and equipment expense | $888,000 | 1,367 |
| Additional noninterest expense | $1,573,000 | 1,570 |
| Pre-tax net operating income | $3,874,000 | 1,201 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 6,626 |
| Income before extraordinary items | $3,869,000 | 904 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,869,000 | 904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,911,000 | 233 |
| Cash dividends | $3,319,000 | 473 |
| Sale, conversion, retirement of capital stock, net | $457,000 | 300 |
| Net operating income | $3,869,000 | 884 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,611,000 | 1,005 |
| Total interest expense | $2,304,000 | 1,014 |
| Net interest income | $5,307,000 | 977 |
| Provision for loan and lease losses | $250,000 | 917 |
| Total noninterest income | $359,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $219,000 | 1,857 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $140,000 | 3,099 |
| Total noninterest expense | $3,601,000 | 1,173 |
| Salaries and employee benefits | $2,401,000 | 929 |
| Premises and equipment expense | $459,000 | 1,319 |
| Additional noninterest expense | $741,000 | 1,657 |
| Pre-tax net operating income | $1,815,000 | 1,261 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,815,000 | 959 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,815,000 | 960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 610 |
| Cash dividends | $886,000 | 752 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,815,000 | 936 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,977,000 | 1,129 |
| Total interest expense | $6,047,000 | 1,359 |
| Net interest income | $18,930,000 | 1,051 |
| Provision for loan and lease losses | $700,000 | 1,457 |
| Total noninterest income | $1,318,000 | 2,930 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $829,000 | 2,075 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $489,000 | 3,352 |
| Total noninterest expense | $11,911,000 | 1,378 |
| Salaries and employee benefits | $7,693,000 | 1,119 |
| Premises and equipment expense | $1,653,000 | 1,391 |
| Additional noninterest expense | $2,565,000 | 1,896 |
| Pre-tax net operating income | $7,637,000 | 1,145 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $5,000 | 6,914 |
| Income before extraordinary items | $7,632,000 | 861 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,632,000 | 862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-942,000 | 8,963 |
| Cash dividends | $7,072,000 | 461 |
| Sale, conversion, retirement of capital stock, net | $6,362,000 | 188 |
| Net operating income | $7,632,000 | 832 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,892,000 | 1,164 |
| Total interest expense | $4,207,000 | 1,434 |
| Net interest income | $13,685,000 | 1,077 |
| Provision for loan and lease losses | $600,000 | 1,230 |
| Total noninterest income | $933,000 | 3,069 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $607,000 | 2,144 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $326,000 | 3,586 |
| Total noninterest expense | $8,720,000 | 1,402 |
| Salaries and employee benefits | $5,677,000 | 1,136 |
| Premises and equipment expense | $1,229,000 | 1,410 |
| Additional noninterest expense | $1,814,000 | 1,981 |
| Pre-tax net operating income | $5,298,000 | 1,244 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $5,000 | 6,948 |
| Income before extraordinary items | $5,293,000 | 941 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,293,000 | 942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-228,000 | 8,928 |
| Cash dividends | $4,587,000 | 497 |
| Sale, conversion, retirement of capital stock, net | $6,362,000 | 141 |
| Net operating income | $5,293,000 | 907 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,440,000 | 1,197 |
| Total interest expense | $2,618,000 | 1,514 |
| Net interest income | $8,822,000 | 1,115 |
| Provision for loan and lease losses | $450,000 | 1,098 |
| Total noninterest income | $608,000 | 3,135 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $405,000 | 2,127 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $203,000 | 3,704 |
| Total noninterest expense | $5,676,000 | 1,423 |
| Salaries and employee benefits | $3,794,000 | 1,140 |
| Premises and equipment expense | $813,000 | 1,421 |
| Additional noninterest expense | $1,069,000 | 2,255 |
| Pre-tax net operating income | $3,304,000 | 1,292 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $5,000 | 6,869 |
| Income before extraordinary items | $3,299,000 | 993 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,299,000 | 994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-184,000 | 8,975 |
| Cash dividends | $3,028,000 | 491 |
| Sale, conversion, retirement of capital stock, net | $6,362,000 | 94 |
| Net operating income | $3,299,000 | 950 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,566,000 | 1,245 |
| Total interest expense | $1,271,000 | 1,581 |
| Net interest income | $4,295,000 | 1,147 |
| Provision for loan and lease losses | $300,000 | 782 |
| Total noninterest income | $302,000 | 3,094 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $198,000 | 2,102 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $104,000 | 3,624 |
| Total noninterest expense | $2,811,000 | 1,450 |
| Salaries and employee benefits | $1,952,000 | 1,114 |
| Premises and equipment expense | $394,000 | 1,483 |
| Additional noninterest expense | $465,000 | 2,529 |
| Pre-tax net operating income | $1,486,000 | 1,397 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $1,486,000 | 1,106 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,486,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-165,000 | 9,028 |
| Cash dividends | $504,000 | 1,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,486,000 | 1,048 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,233,000 | 1,277 |
| Total interest expense | $6,209,000 | 1,431 |
| Net interest income | $16,024,000 | 1,207 |
| Provision for loan and lease losses | $1,625,000 | 769 |
| Total noninterest income | $1,244,000 | 3,222 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $836,000 | 2,052 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $408,000 | 3,941 |
| Total noninterest expense | $8,672,000 | 1,824 |
| Salaries and employee benefits | $5,925,000 | 1,450 |
| Premises and equipment expense | $962,000 | 2,339 |
| Additional noninterest expense | $1,785,000 | 2,658 |
| Pre-tax net operating income | $6,971,000 | 1,203 |
| Securities gains (losses) | $43,000 | 2,653 |
| Applicable income taxes | $10,000 | 7,040 |
| Income before extraordinary items | $7,004,000 | 923 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,004,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $986,000 | 941 |
| Cash dividends | $5,322,000 | 593 |
| Sale, conversion, retirement of capital stock, net | $5,310,000 | 180 |
| Net operating income | $6,961,000 | 870 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,701,000 | 1,301 |
| Total interest expense | $4,831,000 | 1,439 |
| Net interest income | $11,870,000 | 1,231 |
| Provision for loan and lease losses | $1,200,000 | 763 |
| Total noninterest income | $905,000 | 3,354 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $633,000 | 2,039 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $272,000 | 4,212 |
| Total noninterest expense | $6,352,000 | 1,869 |
| Salaries and employee benefits | $4,375,000 | 1,479 |
| Premises and equipment expense | $718,000 | 2,349 |
| Additional noninterest expense | $1,259,000 | 2,761 |
| Pre-tax net operating income | $5,223,000 | 1,237 |
| Securities gains (losses) | $43,000 | 2,446 |
| Applicable income taxes | $10,000 | 7,078 |
| Income before extraordinary items | $5,256,000 | 957 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,256,000 | 957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 1,936 |
| Cash dividends | $3,534,000 | 639 |
| Sale, conversion, retirement of capital stock, net | $5,310,000 | 119 |
| Net operating income | $5,213,000 | 899 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,033,000 | 1,321 |
| Total interest expense | $3,369,000 | 1,435 |
| Net interest income | $7,664,000 | 1,279 |
| Provision for loan and lease losses | $900,000 | 691 |
| Total noninterest income | $587,000 | 3,395 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $425,000 | 1,980 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $162,000 | 4,433 |
| Total noninterest expense | $4,281,000 | 1,847 |
| Salaries and employee benefits | $2,955,000 | 1,457 |
| Premises and equipment expense | $463,000 | 2,410 |
| Additional noninterest expense | $863,000 | 2,702 |
| Pre-tax net operating income | $3,070,000 | 1,391 |
| Securities gains (losses) | $43,000 | 2,122 |
| Applicable income taxes | $10,000 | 6,956 |
| Income before extraordinary items | $3,103,000 | 1,076 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,103,000 | 1,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,258 |
| Cash dividends | $2,844,000 | 552 |
| Sale, conversion, retirement of capital stock, net | $5,310,000 | 78 |
| Net operating income | $3,060,000 | 1,012 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,300,000 | 1,387 |
| Total interest expense | $1,705,000 | 1,456 |
| Net interest income | $3,595,000 | 1,364 |
| Provision for loan and lease losses | $600,000 | 538 |
| Total noninterest income | $278,000 | 3,423 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $199,000 | 2,027 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $79,000 | 4,363 |
| Total noninterest expense | $2,244,000 | 1,758 |
| Salaries and employee benefits | $1,538,000 | 1,403 |
| Premises and equipment expense | $212,000 | 2,624 |
| Additional noninterest expense | $494,000 | 2,356 |
| Pre-tax net operating income | $1,029,000 | 1,981 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $1,029,000 | 1,562 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,029,000 | 1,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 664 |
| Cash dividends | $1,250,000 | 562 |
| Sale, conversion, retirement of capital stock, net | $310,000 | 170 |
| Net operating income | $1,029,000 | 1,463 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,186,000 | 1,602 |
| Total interest expense | $6,710,000 | 1,705 |
| Net interest income | $12,476,000 | 1,552 |
| Provision for loan and lease losses | $1,100,000 | 1,234 |
| Total noninterest income | $950,000 | 3,595 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $635,000 | 2,464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $315,000 | 4,157 |
| Total noninterest expense | $7,934,000 | 1,898 |
| Salaries and employee benefits | $5,353,000 | 1,512 |
| Premises and equipment expense | $754,000 | 2,808 |
| Additional noninterest expense | $1,827,000 | 2,512 |
| Pre-tax net operating income | $4,392,000 | 1,841 |
| Securities gains (losses) | $-521,000 | 9,264 |
| Applicable income taxes | $5,000 | 7,446 |
| Income before extraordinary items | $3,866,000 | 1,572 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,866,000 | 1,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $536,000 | 1,584 |
| Cash dividends | $2,820,000 | 974 |
| Sale, conversion, retirement of capital stock, net | $5,300,000 | 148 |
| Net operating income | $4,387,000 | 1,370 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,281,000 | 1,767 |
| Total interest expense | $9,837,000 | 1,646 |
| Net interest income | $9,444,000 | 1,887 |
| Provision for loan and lease losses | $950,000 | 1,300 |
| Total noninterest income | $726,000 | 4,098 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $566,000 | 2,560 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $160,000 | 5,413 |
| Total noninterest expense | $6,155,000 | 2,319 |
| Salaries and employee benefits | $3,898,000 | 1,925 |
| Premises and equipment expense | $796,000 | 2,643 |
| Additional noninterest expense | $1,461,000 | 2,937 |
| Pre-tax net operating income | $3,065,000 | 2,218 |
| Securities gains (losses) | $94,000 | 1,799 |
| Applicable income taxes | $103,000 | 5,970 |
| Income before extraordinary items | $3,056,000 | 1,722 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,056,000 | 1,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,166 |
| Cash dividends | $2,600,000 | 1,036 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 183 |
| Net operating income | $2,964,820 | 1,706 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $20,413,000 | 1,693 |
| Total interest expense | $11,842,000 | 1,456 |
| Net interest income | $8,571,000 | 2,069 |
| Provision for loan and lease losses | $500,000 | 1,862 |
| Total noninterest income | $696,000 | 4,010 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $514,000 | 2,634 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $182,000 | 4,998 |
| Total noninterest expense | $6,148,000 | 2,232 |
| Salaries and employee benefits | $3,513,000 | 2,025 |
| Premises and equipment expense | $1,071,000 | 1,946 |
| Additional noninterest expense | $1,564,000 | 2,708 |
| Pre-tax net operating income | $2,619,000 | 2,660 |
| Securities gains (losses) | $-23,000 | 8,808 |
| Applicable income taxes | $254,000 | 4,946 |
| Income before extraordinary items | $2,342,000 | 2,211 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,342,000 | 2,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,623 |
| Cash dividends | $2,277,000 | 1,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,362,700 | 2,196 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,268,000 | 2,471 |
| Total interest expense | $5,830,000 | 2,526 |
| Net interest income | $7,438,000 | 2,372 |
| Provision for loan and lease losses | $350,000 | 2,350 |
| Total noninterest income | $620,000 | 4,336 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $404,000 | 3,193 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $216,000 | 4,765 |
| Total noninterest expense | $5,695,000 | 2,380 |
| Salaries and employee benefits | $3,511,000 | 1,997 |
| Premises and equipment expense | $1,051,000 | 1,951 |
| Additional noninterest expense | $1,133,000 | 3,623 |
| Pre-tax net operating income | $2,013,000 | 3,326 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $165,000 | 6,093 |
| Income before extraordinary items | $1,848,000 | 2,752 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,848,000 | 2,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,270 |
| Cash dividends | $1,100,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,848,000 | 2,724 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,585,000 | 3,054 |
| Total interest expense | $4,655,000 | 3,196 |
| Net interest income | $5,930,000 | 2,911 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $683,000 | 4,055 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $353,000 | 3,480 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $330,000 | 3,812 |
| Total noninterest expense | $5,204,000 | 2,500 |
| Salaries and employee benefits | $3,260,000 | 2,078 |
| Premises and equipment expense | $762,000 | 2,557 |
| Additional noninterest expense | $1,182,000 | 3,418 |
| Pre-tax net operating income | $1,109,000 | 5,119 |
| Securities gains (losses) | $86,000 | 1,380 |
| Applicable income taxes | $109,000 | 7,396 |
| Income before extraordinary items | $1,086,000 | 4,229 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,086,000 | 4,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $930,000 | 2,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,007,740 | 4,389 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,383,000 | 3,806 |
| Total interest expense | $3,395,000 | 4,238 |
| Net interest income | $4,988,000 | 3,500 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $686,000 | 4,025 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $312,000 | 3,953 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $374,000 | 3,436 |
| Total noninterest expense | $3,821,000 | 3,315 |
| Salaries and employee benefits | $2,068,000 | 3,207 |
| Premises and equipment expense | $509,000 | 3,645 |
| Additional noninterest expense | $1,244,000 | 3,255 |
| Pre-tax net operating income | $1,763,000 | 3,920 |
| Securities gains (losses) | $-14,000 | 10,204 |
| Applicable income taxes | $167,000 | 7,362 |
| Income before extraordinary items | $1,582,000 | 3,202 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,582,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,260 |
| Cash dividends | $1,290,000 | 1,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,594,600 | 3,115 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,202,000 | 4,453 |
| Total interest expense | $3,011,000 | 4,773 |
| Net interest income | $4,191,000 | 4,159 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $1,221,000 | 2,651 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $384,000 | 3,455 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $837,000 | 2,040 |
| Total noninterest expense | $2,943,000 | 4,362 |
| Salaries and employee benefits | $1,665,000 | 3,921 |
| Premises and equipment expense | $379,000 | 4,733 |
| Additional noninterest expense | $899,000 | 4,756 |
| Pre-tax net operating income | $2,379,000 | 2,919 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $914,000 | 2,542 |
| Income before extraordinary items | $1,465,000 | 3,267 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,465,000 | 3,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $900,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,465,000 | 3,228 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,890,000 | 4,631 |
| Total interest expense | $3,123,000 | 4,577 |
| Net interest income | $3,767,000 | 4,548 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $690,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $447,000 | 3,028 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $243,000 | 4,558 |
| Total noninterest expense | $2,949,000 | 4,350 |
| Salaries and employee benefits | $1,663,000 | 3,905 |
| Premises and equipment expense | $370,000 | 4,828 |
| Additional noninterest expense | $916,000 | 4,692 |
| Pre-tax net operating income | $1,472,000 | 4,522 |
| Securities gains (losses) | $-9,000 | 10,045 |
| Applicable income taxes | $559,000 | 3,850 |
| Income before extraordinary items | $904,000 | 4,975 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $904,000 | 4,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,558 |
| Cash dividends | $750,000 | 2,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $909,760 | 4,939 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,598,000 | 5,161 |
| Total interest expense | $1,991,000 | 5,636 |
| Net interest income | $3,607,000 | 4,814 |
| Provision for loan and lease losses | $-100,000 | 12,140 |
| Total noninterest income | $1,018,000 | 3,078 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $474,000 | 2,915 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $544,000 | 2,789 |
| Total noninterest expense | $3,218,000 | 4,156 |
| Salaries and employee benefits | $1,546,000 | 4,174 |
| Premises and equipment expense | $366,000 | 4,924 |
| Additional noninterest expense | $1,306,000 | 3,759 |
| Pre-tax net operating income | $1,507,000 | 4,398 |
| Securities gains (losses) | $-126,000 | 11,693 |
| Applicable income taxes | $506,000 | 4,017 |
| Income before extraordinary items | $875,000 | 5,024 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $875,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 11,617 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $955,640 | 4,732 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,311,000 | 4,741 |
| Total interest expense | $2,365,000 | 5,044 |
| Net interest income | $3,946,000 | 4,462 |
| Provision for loan and lease losses | $63,000 | 6,860 |
| Total noninterest income | $1,849,000 | 2,079 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $474,000 | 2,945 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,375,000 | 1,654 |
| Total noninterest expense | $3,857,000 | 3,606 |
| Salaries and employee benefits | $1,871,000 | 3,486 |
| Premises and equipment expense | $463,000 | 4,143 |
| Additional noninterest expense | $1,523,000 | 3,466 |
| Pre-tax net operating income | $1,875,000 | 3,533 |
| Securities gains (losses) | $104,000 | 2,454 |
| Applicable income taxes | $897,000 | 2,525 |
| Income before extraordinary items | $1,082,000 | 4,385 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,082,000 | 4,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 5,209 |
| Cash dividends | $1,100,000 | 1,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,015,440 | 4,405 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,275,000 | 4,673 |
| Total interest expense | $3,034,000 | 5,110 |
| Net interest income | $4,241,000 | 4,215 |
| Provision for loan and lease losses | $298,000 | 4,183 |
| Total noninterest income | $1,134,000 | 2,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $547,000 | 2,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $587,000 | 2,864 |
| Total noninterest expense | $3,819,000 | 3,643 |
| Salaries and employee benefits | $1,673,000 | 3,836 |
| Premises and equipment expense | $514,000 | 3,871 |
| Additional noninterest expense | $1,632,000 | 3,354 |
| Pre-tax net operating income | $1,258,000 | 4,730 |
| Securities gains (losses) | $282,000 | 1,595 |
| Applicable income taxes | $429,000 | 4,538 |
| Income before extraordinary items | $1,111,000 | 4,089 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,111,000 | 4,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 2,508 |
| Cash dividends | $950,000 | 1,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $907,960 | 4,582 |
* 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.