Home > First Independent Bank of Wood Lake > Income and Expense
First Independent Bank of Wood Lake, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $734,000 | 8,087 |
| Total interest expense | $275,000 | 7,988 |
| Net interest income | $459,000 | 8,091 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $74,000 | 7,436 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $63,000 | 6,163 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $11,000 | 7,732 |
| Total noninterest expense | $362,000 | 8,192 |
| Salaries and employee benefits | $213,000 | 8,156 |
| Premises and equipment expense | $42,000 | 8,069 |
| Additional noninterest expense | $107,000 | 8,150 |
| Pre-tax net operating income | $171,000 | 6,149 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $69,000 | 3,891 |
| Income before extraordinary items | $102,000 | 6,172 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $102,000 | 6,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,525 |
| Cash dividends | $25,000 | 4,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $102,000 | 6,326 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $487,000 | 8,159 |
| Total interest expense | $192,000 | 8,047 |
| Net interest income | $295,000 | 8,157 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $52,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $42,000 | 6,170 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $10,000 | 7,678 |
| Total noninterest expense | $233,000 | 8,273 |
| Salaries and employee benefits | $149,000 | 8,196 |
| Premises and equipment expense | $25,000 | 8,169 |
| Additional noninterest expense | $59,000 | 8,289 |
| Pre-tax net operating income | $114,000 | 6,324 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $45,000 | 4,142 |
| Income before extraordinary items | $69,000 | 6,559 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $69,000 | 6,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,615 |
| Cash dividends | $25,000 | 4,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $69,000 | 6,496 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $235,000 | 8,246 |
| Total interest expense | $102,000 | 8,083 |
| Net interest income | $133,000 | 8,260 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $25,000 | 7,510 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $22,000 | 6,119 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 7,909 |
| Total noninterest expense | $107,000 | 8,350 |
| Salaries and employee benefits | $67,000 | 8,301 |
| Premises and equipment expense | $11,000 | 8,240 |
| Additional noninterest expense | $29,000 | 8,331 |
| Pre-tax net operating income | $51,000 | 6,599 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $21,000 | 4,341 |
| Income before extraordinary items | $30,000 | 6,876 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $30,000 | 6,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,847 |
| Cash dividends | $25,000 | 3,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $30,000 | 6,785 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,094,000 | 8,139 |
| Total interest expense | $454,000 | 8,014 |
| Net interest income | $640,000 | 8,144 |
| Provision for loan and lease losses | $170,000 | 4,146 |
| Total noninterest income | $98,000 | 7,579 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $87,000 | 6,207 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $11,000 | 8,033 |
| Total noninterest expense | $500,000 | 8,334 |
| Salaries and employee benefits | $319,000 | 8,228 |
| Premises and equipment expense | $47,000 | 8,264 |
| Additional noninterest expense | $134,000 | 8,323 |
| Pre-tax net operating income | $68,000 | 7,240 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $30,000 | 5,226 |
| Income before extraordinary items | $38,000 | 7,370 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $38,000 | 7,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,735 |
| Cash dividends | $125,000 | 5,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $38,000 | 7,339 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $832,000 | 8,187 |
| Total interest expense | $347,000 | 8,058 |
| Net interest income | $485,000 | 8,201 |
| Provision for loan and lease losses | $155,000 | 3,427 |
| Total noninterest income | $78,000 | 7,569 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $69,000 | 6,161 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $9,000 | 8,062 |
| Total noninterest expense | $373,000 | 8,327 |
| Salaries and employee benefits | $227,000 | 8,261 |
| Premises and equipment expense | $33,000 | 8,285 |
| Additional noninterest expense | $113,000 | 8,242 |
| Pre-tax net operating income | $35,000 | 7,549 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $19,000 | 5,497 |
| Income before extraordinary items | $16,000 | 7,617 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $16,000 | 7,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,077 |
| Cash dividends | $125,000 | 4,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $16,000 | 7,600 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $573,000 | 8,236 |
| Total interest expense | $235,000 | 8,094 |
| Net interest income | $338,000 | 8,233 |
| Provision for loan and lease losses | $140,000 | 2,749 |
| Total noninterest income | $51,000 | 7,637 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $46,000 | 6,201 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $5,000 | 8,175 |
| Total noninterest expense | $240,000 | 8,399 |
| Salaries and employee benefits | $143,000 | 8,348 |
| Premises and equipment expense | $23,000 | 8,323 |
| Additional noninterest expense | $74,000 | 8,300 |
| Pre-tax net operating income | $9,000 | 7,741 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,000 | 6,009 |
| Income before extraordinary items | $6,000 | 7,766 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,000 | 7,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 1,427 |
| Cash dividends | $125,000 | 4,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $6,000 | 7,751 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $278,000 | 8,306 |
| Total interest expense | $121,000 | 8,118 |
| Net interest income | $157,000 | 8,341 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $20,000 | 7,871 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $18,000 | 6,477 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $112,000 | 8,468 |
| Salaries and employee benefits | $71,000 | 8,400 |
| Premises and equipment expense | $7,000 | 8,489 |
| Additional noninterest expense | $34,000 | 8,389 |
| Pre-tax net operating income | $50,000 | 7,283 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $21,000 | 4,889 |
| Income before extraordinary items | $29,000 | 7,474 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $29,000 | 7,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,755 |
| Cash dividends | $125,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $29,000 | 7,458 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 8,209 |
| Total interest expense | $437,000 | 8,020 |
| Net interest income | $669,000 | 8,244 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $78,000 | 7,972 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $70,000 | 6,585 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,318 |
| Total noninterest expense | $497,000 | 8,444 |
| Salaries and employee benefits | $309,000 | 8,353 |
| Premises and equipment expense | $50,000 | 8,352 |
| Additional noninterest expense | $138,000 | 8,410 |
| Pre-tax net operating income | $190,000 | 7,439 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $64,000 | 5,285 |
| Income before extraordinary items | $126,000 | 7,573 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $126,000 | 7,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,344 |
| Cash dividends | $250,000 | 4,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $126,000 | 7,568 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $825,000 | 8,282 |
| Total interest expense | $317,000 | 8,089 |
| Net interest income | $508,000 | 8,301 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $56,000 | 8,078 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $51,000 | 6,691 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,420 |
| Total noninterest expense | $342,000 | 8,525 |
| Salaries and employee benefits | $202,000 | 8,471 |
| Premises and equipment expense | $29,000 | 8,518 |
| Additional noninterest expense | $111,000 | 8,407 |
| Pre-tax net operating income | $177,000 | 7,512 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $82,000 | 5,110 |
| Income before extraordinary items | $95,000 | 7,749 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $95,000 | 7,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $250,000 | 3,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $95,000 | 7,749 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $551,000 | 8,310 |
| Total interest expense | $197,000 | 8,153 |
| Net interest income | $354,000 | 8,329 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $35,000 | 8,180 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $32,000 | 6,791 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,487 |
| Total noninterest expense | $241,000 | 8,539 |
| Salaries and employee benefits | $140,000 | 8,505 |
| Premises and equipment expense | $19,000 | 8,552 |
| Additional noninterest expense | $82,000 | 8,355 |
| Pre-tax net operating income | $118,000 | 7,579 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $48,000 | 5,255 |
| Income before extraordinary items | $70,000 | 7,766 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $70,000 | 7,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,097 |
| Cash dividends | $250,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $70,000 | 7,769 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $267,000 | 8,355 |
| Total interest expense | $89,000 | 8,229 |
| Net interest income | $178,000 | 8,353 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $18,000 | 8,147 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $16,000 | 6,758 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,382 |
| Total noninterest expense | $119,000 | 8,563 |
| Salaries and employee benefits | $64,000 | 8,563 |
| Premises and equipment expense | $11,000 | 8,487 |
| Additional noninterest expense | $44,000 | 8,295 |
| Pre-tax net operating income | $62,000 | 7,543 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $34,000 | 4,897 |
| Income before extraordinary items | $28,000 | 7,869 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $28,000 | 7,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $28,000 | 7,866 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,150,000 | 8,219 |
| Total interest expense | $346,000 | 8,063 |
| Net interest income | $804,000 | 8,212 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $66,000 | 8,294 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $60,000 | 6,923 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,000 | 8,519 |
| Total noninterest expense | $485,000 | 8,577 |
| Salaries and employee benefits | $298,000 | 8,491 |
| Premises and equipment expense | $47,000 | 8,500 |
| Additional noninterest expense | $140,000 | 8,536 |
| Pre-tax net operating income | $325,000 | 7,307 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $129,000 | 5,149 |
| Income before extraordinary items | $196,000 | 7,606 |
| Extraordinary gains, net | $97,000 | 28 |
| Net income | $293,000 | 7,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,376 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $196,000 | 7,574 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $864,000 | 8,258 |
| Total interest expense | $257,000 | 8,066 |
| Net interest income | $607,000 | 8,247 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $51,000 | 8,302 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 6,939 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,551 |
| Total noninterest expense | $338,000 | 8,619 |
| Salaries and employee benefits | $201,000 | 8,562 |
| Premises and equipment expense | $31,000 | 8,563 |
| Additional noninterest expense | $106,000 | 8,543 |
| Pre-tax net operating income | $275,000 | 7,300 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $95,000 | 5,296 |
| Income before extraordinary items | $180,000 | 7,549 |
| Extraordinary gains, net | $97,000 | 20 |
| Net income | $277,000 | 7,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,700 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $180,000 | 7,524 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $575,000 | 8,271 |
| Total interest expense | $167,000 | 8,050 |
| Net interest income | $408,000 | 8,257 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $34,000 | 8,314 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $31,000 | 6,910 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,000 | 8,558 |
| Total noninterest expense | $218,000 | 8,642 |
| Salaries and employee benefits | $127,000 | 8,604 |
| Premises and equipment expense | $21,000 | 8,548 |
| Additional noninterest expense | $70,000 | 8,533 |
| Pre-tax net operating income | $194,000 | 7,254 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $61,000 | 5,341 |
| Income before extraordinary items | $133,000 | 7,484 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $133,000 | 7,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,010 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $133,000 | 7,440 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $282,000 | 8,345 |
| Total interest expense | $82,000 | 8,086 |
| Net interest income | $200,000 | 8,349 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $17,000 | 8,358 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,574 |
| Total noninterest expense | $109,000 | 8,701 |
| Salaries and employee benefits | $60,000 | 8,696 |
| Premises and equipment expense | $10,000 | 8,622 |
| Additional noninterest expense | $39,000 | 8,517 |
| Pre-tax net operating income | $93,000 | 7,321 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $34,000 | 5,190 |
| Income before extraordinary items | $59,000 | 7,606 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $59,000 | 7,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,643 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $59,000 | 7,579 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,092,000 | 8,322 |
| Total interest expense | $292,000 | 8,136 |
| Net interest income | $800,000 | 8,302 |
| Provision for loan and lease losses | $73,000 | 5,442 |
| Total noninterest income | $73,000 | 8,381 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $67,000 | 7,004 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,000 | 8,658 |
| Total noninterest expense | $467,000 | 8,712 |
| Salaries and employee benefits | $286,000 | 8,632 |
| Premises and equipment expense | $36,000 | 8,755 |
| Additional noninterest expense | $145,000 | 8,618 |
| Pre-tax net operating income | $333,000 | 7,331 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $146,000 | 5,136 |
| Income before extraordinary items | $187,000 | 7,712 |
| Extraordinary gains, net | $-173,000 | 8,958 |
| Net income | $14,000 | 8,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,277 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $187,000 | 7,671 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $802,000 | 8,387 |
| Total interest expense | $210,000 | 8,205 |
| Net interest income | $592,000 | 8,359 |
| Provision for loan and lease losses | $61,000 | 5,112 |
| Total noninterest income | $60,000 | 8,353 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $55,000 | 6,934 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,693 |
| Total noninterest expense | $331,000 | 8,768 |
| Salaries and employee benefits | $205,000 | 8,697 |
| Premises and equipment expense | $27,000 | 8,779 |
| Additional noninterest expense | $99,000 | 8,706 |
| Pre-tax net operating income | $260,000 | 7,413 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $108,000 | 5,258 |
| Income before extraordinary items | $152,000 | 7,762 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $152,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,698 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $152,000 | 7,719 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $521,000 | 8,460 |
| Total interest expense | $141,000 | 8,266 |
| Net interest income | $380,000 | 8,443 |
| Provision for loan and lease losses | $49,000 | 4,763 |
| Total noninterest income | $40,000 | 8,398 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $37,000 | 6,947 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $221,000 | 8,824 |
| Salaries and employee benefits | $136,000 | 8,753 |
| Premises and equipment expense | $24,000 | 8,676 |
| Additional noninterest expense | $61,000 | 8,811 |
| Pre-tax net operating income | $150,000 | 7,542 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $68,000 | 5,316 |
| Income before extraordinary items | $82,000 | 7,948 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $82,000 | 7,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,947 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $82,000 | 7,889 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $249,000 | 8,553 |
| Total interest expense | $71,000 | 8,324 |
| Net interest income | $178,000 | 8,547 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $23,000 | 8,272 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $21,000 | 6,734 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $111,000 | 8,862 |
| Salaries and employee benefits | $68,000 | 8,796 |
| Premises and equipment expense | $11,000 | 8,739 |
| Additional noninterest expense | $32,000 | 8,814 |
| Pre-tax net operating income | $78,000 | 7,488 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $27,000 | 5,505 |
| Income before extraordinary items | $51,000 | 7,763 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $51,000 | 7,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,902 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $51,000 | 7,699 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,039,000 | 8,551 |
| Total interest expense | $357,000 | 8,263 |
| Net interest income | $682,000 | 8,589 |
| Provision for loan and lease losses | $44,000 | 6,457 |
| Total noninterest income | $102,000 | 8,286 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $77,000 | 6,951 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $25,000 | 8,275 |
| Total noninterest expense | $475,000 | 8,868 |
| Salaries and employee benefits | $300,000 | 8,768 |
| Premises and equipment expense | $37,000 | 8,925 |
| Additional noninterest expense | $138,000 | 8,819 |
| Pre-tax net operating income | $265,000 | 7,577 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $105,000 | 5,670 |
| Income before extraordinary items | $160,000 | 7,958 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $160,000 | 7,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,545 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $160,000 | 7,838 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $773,000 | 8,643 |
| Total interest expense | $281,000 | 8,329 |
| Net interest income | $492,000 | 8,691 |
| Provision for loan and lease losses | $32,000 | 6,346 |
| Total noninterest income | $63,000 | 8,533 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $59,000 | 6,981 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 8,966 |
| Total noninterest expense | $343,000 | 8,932 |
| Salaries and employee benefits | $210,000 | 8,846 |
| Premises and equipment expense | $28,000 | 8,953 |
| Additional noninterest expense | $105,000 | 8,854 |
| Pre-tax net operating income | $180,000 | 7,819 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $78,000 | 5,828 |
| Income before extraordinary items | $102,000 | 8,205 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $102,000 | 8,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,905 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $102,000 | 8,072 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $501,000 | 8,714 |
| Total interest expense | $196,000 | 8,363 |
| Net interest income | $305,000 | 8,789 |
| Provision for loan and lease losses | $24,000 | 6,151 |
| Total noninterest income | $42,000 | 8,535 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $39,000 | 6,980 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $230,000 | 8,951 |
| Salaries and employee benefits | $149,000 | 8,819 |
| Premises and equipment expense | $15,000 | 9,055 |
| Additional noninterest expense | $66,000 | 8,902 |
| Pre-tax net operating income | $93,000 | 8,062 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $51,000 | 5,889 |
| Income before extraordinary items | $42,000 | 8,493 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $42,000 | 8,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $42,000 | 8,365 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $256,000 | 8,762 |
| Total interest expense | $102,000 | 8,408 |
| Net interest income | $154,000 | 8,822 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $20,000 | 8,615 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $131,000 | 8,887 |
| Salaries and employee benefits | $81,000 | 8,757 |
| Premises and equipment expense | $10,000 | 8,968 |
| Additional noninterest expense | $40,000 | 8,776 |
| Pre-tax net operating income | $31,000 | 8,305 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $13,000 | 6,407 |
| Income before extraordinary items | $18,000 | 8,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $18,000 | 8,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $18,000 | 8,395 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,093,000 | 8,771 |
| Total interest expense | $397,000 | 8,671 |
| Net interest income | $696,000 | 8,744 |
| Provision for loan and lease losses | $183,000 | 4,528 |
| Total noninterest income | $86,000 | 8,573 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $60,000 | 7,347 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $26,000 | 8,334 |
| Total noninterest expense | $494,000 | 9,004 |
| Salaries and employee benefits | $296,000 | 8,910 |
| Premises and equipment expense | $42,000 | 9,026 |
| Additional noninterest expense | $156,000 | 8,835 |
| Pre-tax net operating income | $105,000 | 8,299 |
| Securities gains (losses) | $11,000 | 3,555 |
| Applicable income taxes | $50,000 | 6,530 |
| Income before extraordinary items | $66,000 | 8,487 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $66,000 | 8,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,151 |
| Cash dividends | $125,000 | 5,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $58,960 | 8,435 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,249,000 | 8,952 |
| Total interest expense | $525,000 | 8,973 |
| Net interest income | $724,000 | 8,814 |
| Provision for loan and lease losses | $69,000 | 6,240 |
| Total noninterest income | $64,000 | 8,997 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $51,000 | 7,582 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $13,000 | 9,003 |
| Total noninterest expense | $477,000 | 9,227 |
| Salaries and employee benefits | $295,000 | 9,086 |
| Premises and equipment expense | $48,000 | 9,159 |
| Additional noninterest expense | $134,000 | 9,168 |
| Pre-tax net operating income | $242,000 | 7,681 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $99,000 | 6,018 |
| Income before extraordinary items | $143,000 | 8,076 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $143,000 | 8,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,388 |
| Cash dividends | $150,000 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $143,000 | 7,961 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 9,197 |
| Total interest expense | $521,000 | 9,210 |
| Net interest income | $727,000 | 9,050 |
| Provision for loan and lease losses | $48,000 | 6,621 |
| Total noninterest income | $73,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 7,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,456 |
| Total noninterest expense | $495,000 | 9,403 |
| Salaries and employee benefits | $292,000 | 9,297 |
| Premises and equipment expense | $35,000 | 9,610 |
| Additional noninterest expense | $168,000 | 9,087 |
| Pre-tax net operating income | $257,000 | 8,091 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $94,000 | 6,592 |
| Income before extraordinary items | $163,000 | 8,329 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $163,000 | 8,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,551 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $163,000 | 8,332 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,162,000 | 9,467 |
| Total interest expense | $482,000 | 9,474 |
| Net interest income | $680,000 | 9,328 |
| Provision for loan and lease losses | $47,000 | 6,669 |
| Total noninterest income | $56,000 | 9,499 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 7,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,676 |
| Total noninterest expense | $435,000 | 9,781 |
| Salaries and employee benefits | $269,000 | 9,630 |
| Premises and equipment expense | $35,000 | 9,905 |
| Additional noninterest expense | $131,000 | 9,695 |
| Pre-tax net operating income | $254,000 | 8,321 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $100,000 | 6,919 |
| Income before extraordinary items | $154,000 | 8,608 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $154,000 | 8,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,853 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $154,000 | 8,569 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,197,000 | 9,656 |
| Total interest expense | $488,000 | 9,721 |
| Net interest income | $709,000 | 9,470 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $59,000 | 9,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 8,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,525 |
| Total noninterest expense | $417,000 | 10,011 |
| Salaries and employee benefits | $239,000 | 9,929 |
| Premises and equipment expense | $44,000 | 9,945 |
| Additional noninterest expense | $134,000 | 9,807 |
| Pre-tax net operating income | $315,000 | 8,301 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $128,000 | 7,131 |
| Income before extraordinary items | $187,000 | 8,705 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $187,000 | 8,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $70,000 | 6,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $187,000 | 8,638 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,136,000 | 10,150 |
| Total interest expense | $459,000 | 10,197 |
| Net interest income | $677,000 | 9,999 |
| Provision for loan and lease losses | $55,000 | 6,469 |
| Total noninterest income | $57,000 | 10,156 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 8,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,645 |
| Total noninterest expense | $423,000 | 10,403 |
| Salaries and employee benefits | $240,000 | 10,330 |
| Premises and equipment expense | $53,000 | 10,130 |
| Additional noninterest expense | $130,000 | 10,232 |
| Pre-tax net operating income | $256,000 | 9,256 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $112,000 | 8,208 |
| Income before extraordinary items | $144,000 | 9,640 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $144,000 | 9,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,858 |
| Cash dividends | $25,000 | 7,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $144,000 | 9,590 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $390,000 | 11,308 |
| Total interest expense | $157,000 | 11,274 |
| Net interest income | $233,000 | 11,303 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $22,000 | 11,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 9,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 11,065 |
| Total noninterest expense | $160,000 | 11,398 |
| Salaries and employee benefits | $81,000 | 11,390 |
| Premises and equipment expense | $21,000 | 11,288 |
| Additional noninterest expense | $58,000 | 11,356 |
| Pre-tax net operating income | $85,000 | 10,446 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $27,000 | 10,082 |
| Income before extraordinary items | $58,000 | 10,532 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $58,000 | 10,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $30,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $58,000 | 10,484 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $960,000 | 11,351 |
| Total interest expense | $436,000 | 11,232 |
| Net interest income | $524,000 | 11,345 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $61,000 | 11,147 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 9,589 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,706 |
| Total noninterest expense | $479,000 | 11,111 |
| Salaries and employee benefits | $244,000 | 11,208 |
| Premises and equipment expense | $81,000 | 10,165 |
| Additional noninterest expense | $154,000 | 11,009 |
| Pre-tax net operating income | $46,000 | 11,321 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $16,000 | 10,816 |
| Income before extraordinary items | $30,000 | 11,386 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $30,000 | 11,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,914 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $30,000 | 11,353 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $891,000 | 11,911 |
| Total interest expense | $338,000 | 11,872 |
| Net interest income | $553,000 | 11,849 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $65,000 | 11,609 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,043 |
| Total noninterest expense | $518,000 | 11,520 |
| Salaries and employee benefits | $265,000 | 11,523 |
| Premises and equipment expense | $87,000 | 10,436 |
| Additional noninterest expense | $166,000 | 11,573 |
| Pre-tax net operating income | $75,000 | 11,779 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $88,000 | 9,626 |
| Income before extraordinary items | $-13,000 | 12,063 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-13,000 | 12,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $75,000 | 7,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-13,000 | 12,086 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $868,000 | 12,551 |
| Total interest expense | $323,000 | 12,571 |
| Net interest income | $545,000 | 12,409 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $59,000 | 12,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 10,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,885 |
| Total noninterest expense | $503,000 | 12,153 |
| Salaries and employee benefits | $251,000 | 12,183 |
| Premises and equipment expense | $72,000 | 11,428 |
| Additional noninterest expense | $180,000 | 12,017 |
| Pre-tax net operating income | $101,000 | 11,861 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $25,000 | 11,496 |
| Income before extraordinary items | $76,000 | 12,045 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $76,000 | 12,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $25,000 | 8,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $76,000 | 11,873 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,009,000 | 13,010 |
| Total interest expense | $474,000 | 12,864 |
| Net interest income | $535,000 | 12,948 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $48,000 | 13,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 10,808 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 13,290 |
| Total noninterest expense | $486,000 | 12,714 |
| Salaries and employee benefits | $254,000 | 12,560 |
| Premises and equipment expense | $54,000 | 12,540 |
| Additional noninterest expense | $178,000 | 12,547 |
| Pre-tax net operating income | $97,000 | 12,058 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $28,000 | 11,867 |
| Income before extraordinary items | $69,000 | 12,360 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $69,000 | 12,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 8,560 |
| Cash dividends | $35,000 | 8,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $69,000 | 12,076 |
* 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.