Home > Farmers Savings Bank & Trust-Vinton > Income and Expense
Farmers Savings Bank & Trust-Vinton, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $923,000 | 6,396 |
| Total interest expense | $497,000 | 5,784 |
| Net interest income | $426,000 | 6,886 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $121,000 | 5,062 |
| Gross Fiduciary activities income | $1,000 | 1,254 |
| Service charges on deposit accounts | $62,000 | 4,381 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $58,000 | 4,758 |
| Total noninterest expense | $416,000 | 6,726 |
| Salaries and employee benefits | $209,000 | 6,907 |
| Premises and equipment expense | $38,000 | 7,235 |
| Additional noninterest expense | $169,000 | 5,842 |
| Pre-tax net operating income | $131,000 | 5,651 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $6,000 | 5,045 |
| Income before extraordinary items | $125,000 | 5,516 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $125,000 | 5,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $125,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $125,000 | 5,415 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,737,000 | 6,373 |
| Total interest expense | $1,892,000 | 5,946 |
| Net interest income | $1,845,000 | 6,696 |
| Provision for loan and lease losses | $27,000 | 6,167 |
| Total noninterest income | $411,000 | 5,437 |
| Gross Fiduciary activities income | $10,000 | 1,256 |
| Service charges on deposit accounts | $225,000 | 4,665 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $176,000 | 5,305 |
| Total noninterest expense | $1,634,000 | 6,721 |
| Salaries and employee benefits | $866,000 | 6,803 |
| Premises and equipment expense | $132,000 | 7,418 |
| Additional noninterest expense | $636,000 | 5,987 |
| Pre-tax net operating income | $595,000 | 5,707 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $28,000 | 5,263 |
| Income before extraordinary items | $567,000 | 5,461 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $567,000 | 5,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,018 |
| Cash dividends | $515,000 | 3,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $567,000 | 5,438 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,771,000 | 6,434 |
| Total interest expense | $1,395,000 | 6,020 |
| Net interest income | $1,376,000 | 6,751 |
| Provision for loan and lease losses | $27,000 | 5,609 |
| Total noninterest income | $310,000 | 5,470 |
| Gross Fiduciary activities income | $8,000 | 1,213 |
| Service charges on deposit accounts | $172,000 | 4,660 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $130,000 | 5,342 |
| Total noninterest expense | $1,209,000 | 6,735 |
| Salaries and employee benefits | $636,000 | 6,814 |
| Premises and equipment expense | $95,000 | 7,459 |
| Additional noninterest expense | $478,000 | 5,931 |
| Pre-tax net operating income | $450,000 | 5,964 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $22,000 | 5,430 |
| Income before extraordinary items | $428,000 | 5,687 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $428,000 | 5,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,861 |
| Cash dividends | $390,000 | 3,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $428,000 | 5,671 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,834,000 | 6,495 |
| Total interest expense | $917,000 | 6,057 |
| Net interest income | $917,000 | 6,786 |
| Provision for loan and lease losses | $27,000 | 5,100 |
| Total noninterest income | $204,000 | 5,529 |
| Gross Fiduciary activities income | $7,000 | 1,185 |
| Service charges on deposit accounts | $117,000 | 4,630 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $80,000 | 5,520 |
| Total noninterest expense | $806,000 | 6,783 |
| Salaries and employee benefits | $421,000 | 6,894 |
| Premises and equipment expense | $66,000 | 7,435 |
| Additional noninterest expense | $319,000 | 5,954 |
| Pre-tax net operating income | $288,000 | 6,120 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $14,000 | 5,519 |
| Income before extraordinary items | $274,000 | 5,848 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $274,000 | 5,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,767 |
| Cash dividends | $265,000 | 3,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $274,000 | 5,830 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $879,000 | 6,617 |
| Total interest expense | $446,000 | 6,126 |
| Net interest income | $433,000 | 6,940 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $97,000 | 5,601 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $60,000 | 4,528 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $36,000 | 5,687 |
| Total noninterest expense | $394,000 | 6,863 |
| Salaries and employee benefits | $206,000 | 6,966 |
| Premises and equipment expense | $34,000 | 7,427 |
| Additional noninterest expense | $154,000 | 6,053 |
| Pre-tax net operating income | $136,000 | 6,220 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $7,000 | 5,533 |
| Income before extraordinary items | $129,000 | 5,948 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $129,000 | 5,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $140,000 | 2,804 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $129,000 | 5,931 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,334,000 | 6,539 |
| Total interest expense | $1,498,000 | 6,116 |
| Net interest income | $1,836,000 | 6,762 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $363,000 | 5,796 |
| Gross Fiduciary activities income | $11,000 | 1,257 |
| Service charges on deposit accounts | $256,000 | 4,437 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $96,000 | 6,397 |
| Total noninterest expense | $1,543,000 | 6,816 |
| Salaries and employee benefits | $759,000 | 7,089 |
| Premises and equipment expense | $130,000 | 7,489 |
| Additional noninterest expense | $654,000 | 5,827 |
| Pre-tax net operating income | $656,000 | 6,034 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $31,000 | 5,744 |
| Income before extraordinary items | $625,000 | 5,734 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $625,000 | 5,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,332 |
| Cash dividends | $565,000 | 3,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $625,000 | 5,720 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,478,000 | 6,578 |
| Total interest expense | $1,071,000 | 6,176 |
| Net interest income | $1,407,000 | 6,786 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $258,000 | 5,943 |
| Gross Fiduciary activities income | $10,000 | 1,209 |
| Service charges on deposit accounts | $192,000 | 4,481 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,781 |
| Total noninterest expense | $1,148,000 | 6,852 |
| Salaries and employee benefits | $569,000 | 7,082 |
| Premises and equipment expense | $94,000 | 7,549 |
| Additional noninterest expense | $485,000 | 5,856 |
| Pre-tax net operating income | $517,000 | 6,150 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $25,000 | 5,863 |
| Income before extraordinary items | $492,000 | 5,794 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $492,000 | 5,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,265 |
| Cash dividends | $425,000 | 3,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $492,000 | 5,797 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 6,604 |
| Total interest expense | $676,000 | 6,210 |
| Net interest income | $956,000 | 6,767 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $163,000 | 6,079 |
| Gross Fiduciary activities income | $9,000 | 1,185 |
| Service charges on deposit accounts | $123,000 | 4,552 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,060 |
| Total noninterest expense | $778,000 | 6,845 |
| Salaries and employee benefits | $370,000 | 7,174 |
| Premises and equipment expense | $65,000 | 7,515 |
| Additional noninterest expense | $343,000 | 5,676 |
| Pre-tax net operating income | $341,000 | 6,207 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $17,000 | 5,888 |
| Income before extraordinary items | $324,000 | 5,852 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $324,000 | 5,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,125 |
| Cash dividends | $300,000 | 3,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $324,000 | 5,850 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $792,000 | 6,667 |
| Total interest expense | $310,000 | 6,316 |
| Net interest income | $482,000 | 6,775 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $88,000 | 5,867 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,852 |
| Total noninterest expense | $383,000 | 6,876 |
| Salaries and employee benefits | $175,000 | 7,320 |
| Premises and equipment expense | $34,000 | 7,467 |
| Additional noninterest expense | $174,000 | 5,609 |
| Pre-tax net operating income | $187,000 | 5,973 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $9,000 | 5,806 |
| Income before extraordinary items | $178,000 | 5,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $178,000 | 5,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,282 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $178,000 | 5,581 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,059,000 | 6,544 |
| Total interest expense | $1,076,000 | 6,102 |
| Net interest income | $1,983,000 | 6,658 |
| Provision for loan and lease losses | $149,000 | 4,168 |
| Total noninterest income | $367,000 | 5,907 |
| Gross Fiduciary activities income | $11,000 | 1,287 |
| Service charges on deposit accounts | $202,000 | 5,016 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $154,000 | 5,678 |
| Total noninterest expense | $1,466,000 | 6,943 |
| Salaries and employee benefits | $735,000 | 7,142 |
| Premises and equipment expense | $123,000 | 7,613 |
| Additional noninterest expense | $608,000 | 6,013 |
| Pre-tax net operating income | $735,000 | 6,061 |
| Securities gains (losses) | $7,000 | 1,594 |
| Applicable income taxes | $36,000 | 6,053 |
| Income before extraordinary items | $706,000 | 5,646 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $706,000 | 5,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,583 |
| Cash dividends | $550,000 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $699,350 | 5,651 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,259,000 | 6,588 |
| Total interest expense | $777,000 | 6,085 |
| Net interest income | $1,482,000 | 6,698 |
| Provision for loan and lease losses | $29,000 | 5,877 |
| Total noninterest income | $270,000 | 5,997 |
| Gross Fiduciary activities income | $9,000 | 1,231 |
| Service charges on deposit accounts | $148,000 | 5,101 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $113,000 | 5,731 |
| Total noninterest expense | $1,111,000 | 6,922 |
| Salaries and employee benefits | $576,000 | 7,016 |
| Premises and equipment expense | $91,000 | 7,613 |
| Additional noninterest expense | $444,000 | 6,065 |
| Pre-tax net operating income | $612,000 | 5,957 |
| Securities gains (losses) | $7,000 | 1,597 |
| Applicable income taxes | $27,000 | 6,133 |
| Income before extraordinary items | $592,000 | 5,472 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $592,000 | 5,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $585,280 | 5,475 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,488,000 | 6,591 |
| Total interest expense | $495,000 | 6,070 |
| Net interest income | $993,000 | 6,677 |
| Provision for loan and lease losses | $18,000 | 5,733 |
| Total noninterest income | $171,000 | 6,080 |
| Gross Fiduciary activities income | $7,000 | 1,215 |
| Service charges on deposit accounts | $90,000 | 5,257 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $74,000 | 5,767 |
| Total noninterest expense | $753,000 | 6,894 |
| Salaries and employee benefits | $386,000 | 7,018 |
| Premises and equipment expense | $61,000 | 7,596 |
| Additional noninterest expense | $306,000 | 5,940 |
| Pre-tax net operating income | $393,000 | 6,030 |
| Securities gains (losses) | $7,000 | 1,472 |
| Applicable income taxes | $20,000 | 6,094 |
| Income before extraordinary items | $380,000 | 5,566 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $380,000 | 5,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $373,350 | 5,577 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $730,000 | 6,643 |
| Total interest expense | $237,000 | 6,114 |
| Net interest income | $493,000 | 6,747 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $79,000 | 6,196 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $39,000 | 5,509 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $39,000 | 5,696 |
| Total noninterest expense | $375,000 | 6,940 |
| Salaries and employee benefits | $195,000 | 7,042 |
| Premises and equipment expense | $31,000 | 7,653 |
| Additional noninterest expense | $149,000 | 6,036 |
| Pre-tax net operating income | $190,000 | 6,068 |
| Securities gains (losses) | $7,000 | 1,110 |
| Applicable income taxes | $10,000 | 6,081 |
| Income before extraordinary items | $187,000 | 5,595 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $187,000 | 5,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $180,350 | 5,632 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 6,430 |
| Total interest expense | $932,000 | 5,862 |
| Net interest income | $2,055,000 | 6,553 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $330,000 | 6,211 |
| Gross Fiduciary activities income | $36,000 | 1,113 |
| Service charges on deposit accounts | $183,000 | 5,395 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $111,000 | 6,236 |
| Total noninterest expense | $1,504,000 | 6,875 |
| Salaries and employee benefits | $784,000 | 6,991 |
| Premises and equipment expense | $131,000 | 7,571 |
| Additional noninterest expense | $589,000 | 6,041 |
| Pre-tax net operating income | $881,000 | 5,546 |
| Securities gains (losses) | $17,000 | 2,506 |
| Applicable income taxes | $44,000 | 6,113 |
| Income before extraordinary items | $854,000 | 5,108 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $854,000 | 5,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,720 |
| Cash dividends | $755,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $837,850 | 5,090 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,233,000 | 6,452 |
| Total interest expense | $697,000 | 5,841 |
| Net interest income | $1,536,000 | 6,570 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $256,000 | 6,173 |
| Gross Fiduciary activities income | $35,000 | 1,066 |
| Service charges on deposit accounts | $143,000 | 5,373 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 6,347 |
| Total noninterest expense | $1,102,000 | 6,915 |
| Salaries and employee benefits | $577,000 | 6,998 |
| Premises and equipment expense | $95,000 | 7,622 |
| Additional noninterest expense | $430,000 | 6,079 |
| Pre-tax net operating income | $690,000 | 5,556 |
| Securities gains (losses) | $17,000 | 2,413 |
| Applicable income taxes | $35,000 | 6,189 |
| Income before extraordinary items | $672,000 | 5,061 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $672,000 | 5,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,126 |
| Cash dividends | $555,000 | 2,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $655,850 | 5,045 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,491,000 | 6,481 |
| Total interest expense | $465,000 | 5,864 |
| Net interest income | $1,026,000 | 6,590 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $154,000 | 6,408 |
| Gross Fiduciary activities income | $12,000 | 1,161 |
| Service charges on deposit accounts | $96,000 | 5,356 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 6,590 |
| Total noninterest expense | $733,000 | 6,953 |
| Salaries and employee benefits | $385,000 | 7,032 |
| Premises and equipment expense | $64,000 | 7,627 |
| Additional noninterest expense | $284,000 | 6,153 |
| Pre-tax net operating income | $447,000 | 5,587 |
| Securities gains (losses) | $17,000 | 2,130 |
| Applicable income taxes | $23,000 | 6,209 |
| Income before extraordinary items | $441,000 | 5,059 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $441,000 | 5,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,107 |
| Cash dividends | $340,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $424,850 | 5,070 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $752,000 | 6,479 |
| Total interest expense | $235,000 | 5,876 |
| Net interest income | $517,000 | 6,599 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $69,000 | 6,593 |
| Gross Fiduciary activities income | $3,000 | 1,247 |
| Service charges on deposit accounts | $47,000 | 5,338 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $361,000 | 7,038 |
| Salaries and employee benefits | $186,000 | 7,176 |
| Premises and equipment expense | $32,000 | 7,669 |
| Additional noninterest expense | $143,000 | 6,152 |
| Pre-tax net operating income | $225,000 | 5,555 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $11,000 | 6,197 |
| Income before extraordinary items | $214,000 | 5,165 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $214,000 | 5,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $140,000 | 2,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $214,000 | 5,039 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,179,000 | 6,347 |
| Total interest expense | $1,077,000 | 5,905 |
| Net interest income | $2,102,000 | 6,430 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $299,000 | 6,608 |
| Gross Fiduciary activities income | $21,000 | 1,239 |
| Service charges on deposit accounts | $192,000 | 5,346 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $86,000 | 6,777 |
| Total noninterest expense | $1,491,000 | 6,899 |
| Salaries and employee benefits | $787,000 | 6,956 |
| Premises and equipment expense | $125,000 | 7,733 |
| Additional noninterest expense | $579,000 | 6,106 |
| Pre-tax net operating income | $910,000 | 5,393 |
| Securities gains (losses) | $66,000 | 2,265 |
| Applicable income taxes | $49,000 | 6,289 |
| Income before extraordinary items | $927,000 | 4,861 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $927,000 | 4,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,241 |
| Cash dividends | $640,000 | 3,094 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $864,300 | 4,884 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,414,000 | 6,376 |
| Total interest expense | $827,000 | 5,973 |
| Net interest income | $1,587,000 | 6,452 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $240,000 | 6,509 |
| Gross Fiduciary activities income | $15,000 | 1,226 |
| Service charges on deposit accounts | $148,000 | 5,338 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $77,000 | 6,529 |
| Total noninterest expense | $1,088,000 | 6,983 |
| Salaries and employee benefits | $582,000 | 6,999 |
| Premises and equipment expense | $93,000 | 7,768 |
| Additional noninterest expense | $413,000 | 6,246 |
| Pre-tax net operating income | $739,000 | 5,368 |
| Securities gains (losses) | $56,000 | 2,221 |
| Applicable income taxes | $40,000 | 6,389 |
| Income before extraordinary items | $755,000 | 4,757 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $755,000 | 4,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,430 |
| Cash dividends | $490,000 | 2,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $701,800 | 4,801 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,627,000 | 6,369 |
| Total interest expense | $567,000 | 6,003 |
| Net interest income | $1,060,000 | 6,465 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $145,000 | 6,708 |
| Gross Fiduciary activities income | $10,000 | 1,227 |
| Service charges on deposit accounts | $97,000 | 5,350 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $38,000 | 7,030 |
| Total noninterest expense | $717,000 | 7,025 |
| Salaries and employee benefits | $380,000 | 7,080 |
| Premises and equipment expense | $63,000 | 7,744 |
| Additional noninterest expense | $274,000 | 6,252 |
| Pre-tax net operating income | $488,000 | 5,373 |
| Securities gains (losses) | $46,000 | 2,078 |
| Applicable income taxes | $27,000 | 6,403 |
| Income before extraordinary items | $507,000 | 4,766 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $507,000 | 4,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 2,718 |
| Cash dividends | $340,000 | 2,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $463,300 | 4,798 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $808,000 | 6,424 |
| Total interest expense | $283,000 | 6,127 |
| Net interest income | $525,000 | 6,499 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $73,000 | 6,636 |
| Gross Fiduciary activities income | $7,000 | 1,175 |
| Service charges on deposit accounts | $45,000 | 5,441 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $352,000 | 7,105 |
| Salaries and employee benefits | $183,000 | 7,188 |
| Premises and equipment expense | $34,000 | 7,649 |
| Additional noninterest expense | $135,000 | 6,319 |
| Pre-tax net operating income | $246,000 | 5,322 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $12,000 | 6,453 |
| Income before extraordinary items | $234,000 | 4,896 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $234,000 | 4,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $200,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $234,000 | 4,694 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,324,000 | 6,507 |
| Total interest expense | $1,242,000 | 6,329 |
| Net interest income | $2,082,000 | 6,496 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $279,000 | 6,630 |
| Gross Fiduciary activities income | $11,000 | 1,391 |
| Service charges on deposit accounts | $184,000 | 5,401 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $84,000 | 6,794 |
| Total noninterest expense | $1,466,000 | 6,911 |
| Salaries and employee benefits | $763,000 | 7,030 |
| Premises and equipment expense | $131,000 | 7,717 |
| Additional noninterest expense | $572,000 | 6,096 |
| Pre-tax net operating income | $895,000 | 5,501 |
| Securities gains (losses) | $69,000 | 2,112 |
| Applicable income taxes | $48,000 | 6,561 |
| Income before extraordinary items | $916,000 | 4,831 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $916,000 | 4,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,276 |
| Cash dividends | $630,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $850,450 | 4,908 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,365,000 | 6,878 |
| Total interest expense | $1,581,000 | 6,819 |
| Net interest income | $1,784,000 | 6,820 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $310,000 | 6,331 |
| Gross Fiduciary activities income | $34,000 | 1,206 |
| Service charges on deposit accounts | $169,000 | 5,530 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $107,000 | 6,284 |
| Total noninterest expense | $1,322,000 | 7,184 |
| Salaries and employee benefits | $660,000 | 7,379 |
| Premises and equipment expense | $146,000 | 7,591 |
| Additional noninterest expense | $516,000 | 6,342 |
| Pre-tax net operating income | $772,000 | 5,583 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $40,000 | 6,882 |
| Income before extraordinary items | $732,000 | 5,119 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $732,000 | 5,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,402 |
| Cash dividends | $595,000 | 3,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $732,000 | 5,011 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,158,000 | 7,247 |
| Total interest expense | $1,405,000 | 7,344 |
| Net interest income | $1,753,000 | 7,000 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $277,000 | 6,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 5,729 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 5,899 |
| Total noninterest expense | $1,283,000 | 7,292 |
| Salaries and employee benefits | $644,000 | 7,466 |
| Premises and equipment expense | $149,000 | 7,613 |
| Additional noninterest expense | $490,000 | 6,502 |
| Pre-tax net operating income | $747,000 | 6,054 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $35,000 | 7,503 |
| Income before extraordinary items | $712,000 | 5,376 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $712,000 | 5,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $550,000 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $712,000 | 5,381 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,801,000 | 7,604 |
| Total interest expense | $1,158,000 | 7,752 |
| Net interest income | $1,643,000 | 7,299 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $251,000 | 6,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 5,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 6,553 |
| Total noninterest expense | $1,209,000 | 7,544 |
| Salaries and employee benefits | $635,000 | 7,568 |
| Premises and equipment expense | $132,000 | 7,994 |
| Additional noninterest expense | $442,000 | 6,958 |
| Pre-tax net operating income | $685,000 | 6,377 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $109,000 | 6,807 |
| Income before extraordinary items | $576,000 | 6,016 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $576,000 | 6,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $576,000 | 5,987 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,728,000 | 7,837 |
| Total interest expense | $1,106,000 | 8,143 |
| Net interest income | $1,622,000 | 7,431 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $252,000 | 6,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 6,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,121 |
| Total noninterest expense | $1,234,000 | 7,446 |
| Salaries and employee benefits | $651,000 | 7,468 |
| Premises and equipment expense | $104,000 | 8,619 |
| Additional noninterest expense | $479,000 | 6,584 |
| Pre-tax net operating income | $640,000 | 6,722 |
| Securities gains (losses) | $50,000 | 1,732 |
| Applicable income taxes | $248,000 | 5,673 |
| Income before extraordinary items | $442,000 | 6,973 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $442,000 | 6,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $410,000 | 7,058 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,713,000 | 8,113 |
| Total interest expense | $1,064,000 | 8,507 |
| Net interest income | $1,649,000 | 7,661 |
| Provision for loan and lease losses | $42,000 | 6,950 |
| Total noninterest income | $236,000 | 7,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,540 |
| Total noninterest expense | $1,106,000 | 7,983 |
| Salaries and employee benefits | $516,000 | 8,489 |
| Premises and equipment expense | $112,000 | 8,682 |
| Additional noninterest expense | $478,000 | 6,694 |
| Pre-tax net operating income | $737,000 | 6,837 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $273,000 | 5,995 |
| Income before extraordinary items | $464,000 | 7,203 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $464,000 | 7,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,716 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $464,000 | 7,151 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,686,000 | 8,449 |
| Total interest expense | $1,152,000 | 8,520 |
| Net interest income | $1,534,000 | 8,184 |
| Provision for loan and lease losses | $108,000 | 4,918 |
| Total noninterest income | $194,000 | 8,313 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 7,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,023 |
| Total noninterest expense | $998,000 | 8,674 |
| Salaries and employee benefits | $475,000 | 9,058 |
| Premises and equipment expense | $118,000 | 8,844 |
| Additional noninterest expense | $405,000 | 7,840 |
| Pre-tax net operating income | $622,000 | 7,302 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $228,000 | 6,736 |
| Income before extraordinary items | $394,000 | 7,671 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $394,000 | 7,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,277 |
| Cash dividends | $225,000 | 5,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $394,000 | 7,609 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,622,000 | 8,767 |
| Total interest expense | $1,151,000 | 8,754 |
| Net interest income | $1,471,000 | 8,618 |
| Provision for loan and lease losses | $188,000 | 3,145 |
| Total noninterest income | $209,000 | 8,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 7,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,238 |
| Total noninterest expense | $1,243,000 | 8,067 |
| Salaries and employee benefits | $441,000 | 9,612 |
| Premises and equipment expense | $114,000 | 9,208 |
| Additional noninterest expense | $688,000 | 5,937 |
| Pre-tax net operating income | $249,000 | 10,122 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $94,000 | 9,294 |
| Income before extraordinary items | $155,000 | 10,416 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $155,000 | 10,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,345 |
| Cash dividends | $75,000 | 7,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $155,000 | 10,391 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,529,000 | 8,858 |
| Total interest expense | $933,000 | 8,980 |
| Net interest income | $1,596,000 | 8,589 |
| Provision for loan and lease losses | $45,000 | 6,361 |
| Total noninterest income | $192,000 | 8,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 7,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,738 |
| Total noninterest expense | $1,020,000 | 9,270 |
| Salaries and employee benefits | $372,000 | 10,529 |
| Premises and equipment expense | $121,000 | 9,362 |
| Additional noninterest expense | $527,000 | 7,619 |
| Pre-tax net operating income | $723,000 | 7,269 |
| Securities gains (losses) | $-95,000 | 11,499 |
| Applicable income taxes | $221,000 | 6,993 |
| Income before extraordinary items | $407,000 | 8,143 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $407,000 | 8,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 11,219 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $468,750 | 7,591 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,316,000 | 9,533 |
| Total interest expense | $947,000 | 9,342 |
| Net interest income | $1,369,000 | 9,510 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $198,000 | 9,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,764 |
| Total noninterest expense | $947,000 | 9,990 |
| Salaries and employee benefits | $353,000 | 11,117 |
| Premises and equipment expense | $117,000 | 9,887 |
| Additional noninterest expense | $477,000 | 8,460 |
| Pre-tax net operating income | $620,000 | 7,813 |
| Securities gains (losses) | $-80,000 | 13,150 |
| Applicable income taxes | $195,000 | 7,710 |
| Income before extraordinary items | $345,000 | 8,988 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $345,000 | 9,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 11,543 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $396,200 | 8,192 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,342,000 | 10,208 |
| Total interest expense | $1,063,000 | 10,120 |
| Net interest income | $1,279,000 | 10,033 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $278,000 | 8,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,897 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,835 |
| Total noninterest expense | $897,000 | 10,500 |
| Salaries and employee benefits | $341,000 | 11,539 |
| Premises and equipment expense | $111,000 | 10,343 |
| Additional noninterest expense | $445,000 | 9,029 |
| Pre-tax net operating income | $635,000 | 7,484 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $227,000 | 7,050 |
| Income before extraordinary items | $408,000 | 8,132 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $408,000 | 8,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 12,762 |
| Cash dividends | $275,000 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $408,000 | 7,781 |
* 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.