Home > First Integrity Bank > Income and Expense
First Integrity Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $672,000 | 7,062 |
| Total interest expense | $379,000 | 6,348 |
| Net interest income | $293,000 | 7,536 |
| Provision for loan and lease losses | $1,369,000 | 516 |
| Total noninterest income | $150,000 | 4,614 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $50,000 | 4,810 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $100,000 | 3,764 |
| Total noninterest expense | $1,632,000 | 2,832 |
| Salaries and employee benefits | $353,000 | 5,609 |
| Premises and equipment expense | $139,000 | 4,224 |
| Additional noninterest expense | $1,140,000 | 1,261 |
| Pre-tax net operating income | $-2,558,000 | 8,389 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-2,558,000 | 8,404 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,558,000 | 8,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,216,000 | 409 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-2,558,000 | 8,404 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,812,000 | 6,332 |
| Total interest expense | $1,221,000 | 6,839 |
| Net interest income | $2,591,000 | 5,880 |
| Provision for loan and lease losses | $2,326,000 | 746 |
| Total noninterest income | $383,000 | 5,577 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $230,000 | 4,617 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $153,000 | 5,541 |
| Total noninterest expense | $4,151,000 | 3,998 |
| Salaries and employee benefits | $1,789,000 | 4,765 |
| Premises and equipment expense | $738,000 | 3,297 |
| Additional noninterest expense | $1,624,000 | 3,201 |
| Pre-tax net operating income | $-3,503,000 | 8,397 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $136,000 | 4,216 |
| Income before extraordinary items | $-3,639,000 | 8,421 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,639,000 | 8,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,789,000 | 664 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-3,639,000 | 8,414 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,845,000 | 6,378 |
| Total interest expense | $866,000 | 6,963 |
| Net interest income | $1,979,000 | 5,872 |
| Provision for loan and lease losses | $2,021,000 | 520 |
| Total noninterest income | $299,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $169,000 | 4,691 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $130,000 | 5,342 |
| Total noninterest expense | $2,954,000 | 4,144 |
| Salaries and employee benefits | $1,324,000 | 4,782 |
| Premises and equipment expense | $522,000 | 3,440 |
| Additional noninterest expense | $1,108,000 | 3,407 |
| Pre-tax net operating income | $-2,697,000 | 8,481 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $136,000 | 4,145 |
| Income before extraordinary items | $-2,833,000 | 8,497 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-2,833,000 | 8,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,590,000 | 470 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-2,833,000 | 8,488 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,926,000 | 6,380 |
| Total interest expense | $545,000 | 7,087 |
| Net interest income | $1,381,000 | 5,786 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $203,000 | 5,539 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $111,000 | 4,730 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $92,000 | 5,270 |
| Total noninterest expense | $1,827,000 | 4,396 |
| Salaries and employee benefits | $910,000 | 4,714 |
| Premises and equipment expense | $350,000 | 3,448 |
| Additional noninterest expense | $567,000 | 4,184 |
| Pre-tax net operating income | $-243,000 | 8,117 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-94,000 | 8,371 |
| Income before extraordinary items | $-149,000 | 8,070 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-149,000 | 8,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 1,095 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-149,000 | 8,065 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $894,000 | 6,571 |
| Total interest expense | $259,000 | 7,186 |
| Net interest income | $635,000 | 6,011 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $68,000 | 6,298 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $52,000 | 4,797 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $16,000 | 6,921 |
| Total noninterest expense | $902,000 | 4,432 |
| Salaries and employee benefits | $480,000 | 4,572 |
| Premises and equipment expense | $169,000 | 3,562 |
| Additional noninterest expense | $253,000 | 4,497 |
| Pre-tax net operating income | $-199,000 | 8,301 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-79,000 | 8,482 |
| Income before extraordinary items | $-120,000 | 8,216 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-120,000 | 8,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 620 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-120,000 | 8,203 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,130,000 | 6,033 |
| Total interest expense | $824,000 | 7,282 |
| Net interest income | $3,306,000 | 5,235 |
| Provision for loan and lease losses | $-51,000 | 8,404 |
| Total noninterest income | $344,000 | 5,911 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $247,000 | 4,534 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $97,000 | 6,375 |
| Total noninterest expense | $3,710,000 | 4,199 |
| Salaries and employee benefits | $1,934,000 | 4,390 |
| Premises and equipment expense | $810,000 | 2,975 |
| Additional noninterest expense | $966,000 | 4,625 |
| Pre-tax net operating income | $-9,000 | 7,972 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $-68,000 | 8,324 |
| Income before extraordinary items | $58,000 | 7,824 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $58,000 | 7,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-307,000 | 8,621 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $58,640 | 7,816 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,138,000 | 6,019 |
| Total interest expense | $580,000 | 7,373 |
| Net interest income | $2,558,000 | 5,178 |
| Provision for loan and lease losses | $-313,000 | 8,645 |
| Total noninterest income | $273,000 | 5,822 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $191,000 | 4,498 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $82,000 | 6,193 |
| Total noninterest expense | $2,884,000 | 4,092 |
| Salaries and employee benefits | $1,612,000 | 4,035 |
| Premises and equipment expense | $613,000 | 2,949 |
| Additional noninterest expense | $659,000 | 4,914 |
| Pre-tax net operating income | $260,000 | 7,188 |
| Securities gains (losses) | $1,000 | 1,261 |
| Applicable income taxes | $108,000 | 4,852 |
| Income before extraordinary items | $153,000 | 7,458 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $153,000 | 7,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-307,000 | 8,672 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $152,360 | 7,466 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,102,000 | 6,001 |
| Total interest expense | $364,000 | 7,425 |
| Net interest income | $1,738,000 | 5,140 |
| Provision for loan and lease losses | $-18,000 | 8,523 |
| Total noninterest income | $169,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $130,000 | 4,426 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $39,000 | 6,754 |
| Total noninterest expense | $1,889,000 | 4,154 |
| Salaries and employee benefits | $1,024,000 | 4,200 |
| Premises and equipment expense | $425,000 | 2,844 |
| Additional noninterest expense | $440,000 | 4,900 |
| Pre-tax net operating income | $36,000 | 8,019 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $15,000 | 5,945 |
| Income before extraordinary items | $21,000 | 8,081 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $21,000 | 8,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,293 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $21,000 | 8,078 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,082,000 | 5,891 |
| Total interest expense | $176,000 | 7,445 |
| Net interest income | $906,000 | 5,012 |
| Provision for loan and lease losses | $-18,000 | 8,566 |
| Total noninterest income | $87,000 | 5,894 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $66,000 | 4,344 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,631 |
| Total noninterest expense | $958,000 | 4,131 |
| Salaries and employee benefits | $519,000 | 4,182 |
| Premises and equipment expense | $219,000 | 2,795 |
| Additional noninterest expense | $220,000 | 4,877 |
| Pre-tax net operating income | $53,000 | 7,654 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $22,000 | 5,279 |
| Income before extraordinary items | $31,000 | 7,825 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $31,000 | 7,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $31,000 | 7,821 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,410,000 | 5,545 |
| Total interest expense | $718,000 | 6,991 |
| Net interest income | $3,692,000 | 4,861 |
| Provision for loan and lease losses | $-225,000 | 8,703 |
| Total noninterest income | $352,000 | 5,996 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $257,000 | 4,522 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $95,000 | 6,482 |
| Total noninterest expense | $5,138,000 | 3,162 |
| Salaries and employee benefits | $2,411,000 | 3,588 |
| Premises and equipment expense | $921,000 | 2,541 |
| Additional noninterest expense | $1,806,000 | 2,746 |
| Pre-tax net operating income | $-869,000 | 8,609 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $-361,000 | 8,740 |
| Income before extraordinary items | $-506,000 | 8,549 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-506,000 | 8,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-80,000 | 8,584 |
| Cash dividends | $88,000 | 5,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-507,280 | 8,529 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,423,000 | 5,403 |
| Total interest expense | $548,000 | 6,902 |
| Net interest income | $2,875,000 | 4,771 |
| Provision for loan and lease losses | $-325,000 | 8,763 |
| Total noninterest income | $245,000 | 6,181 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $184,000 | 4,638 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,739 |
| Total noninterest expense | $4,246,000 | 2,863 |
| Salaries and employee benefits | $2,072,000 | 3,171 |
| Premises and equipment expense | $720,000 | 2,444 |
| Additional noninterest expense | $1,454,000 | 2,531 |
| Pre-tax net operating income | $-801,000 | 8,683 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $-332,000 | 8,798 |
| Income before extraordinary items | $-467,000 | 8,625 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-467,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-478,000 | 8,809 |
| Cash dividends | $88,000 | 4,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-468,280 | 8,601 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,398,000 | 5,193 |
| Total interest expense | $375,000 | 6,749 |
| Net interest income | $2,023,000 | 4,581 |
| Provision for loan and lease losses | $-325,000 | 8,784 |
| Total noninterest income | $205,000 | 5,680 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $120,000 | 4,652 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $85,000 | 5,486 |
| Total noninterest expense | $3,066,000 | 2,646 |
| Salaries and employee benefits | $1,600,000 | 2,761 |
| Premises and equipment expense | $485,000 | 2,397 |
| Additional noninterest expense | $981,000 | 2,477 |
| Pre-tax net operating income | $-513,000 | 8,677 |
| Securities gains (losses) | $-24,000 | 8,417 |
| Applicable income taxes | $-223,000 | 8,796 |
| Income before extraordinary items | $-314,000 | 8,639 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-314,000 | 8,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-487,000 | 8,825 |
| Cash dividends | $88,000 | 4,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-298,640 | 8,607 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,293,000 | 4,937 |
| Total interest expense | $187,000 | 6,710 |
| Net interest income | $1,106,000 | 4,307 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $119,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $60,000 | 4,608 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,816 |
| Total noninterest expense | $1,887,000 | 2,190 |
| Salaries and employee benefits | $1,001,000 | 2,276 |
| Premises and equipment expense | $239,000 | 2,451 |
| Additional noninterest expense | $647,000 | 1,893 |
| Pre-tax net operating income | $-662,000 | 8,877 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-275,000 | 8,891 |
| Income before extraordinary items | $-387,000 | 8,835 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-387,000 | 8,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,618 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-387,000 | 8,822 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,170,000 | 3,733 |
| Total interest expense | $1,068,000 | 5,473 |
| Net interest income | $6,102,000 | 3,254 |
| Provision for loan and lease losses | $525,000 | 1,881 |
| Total noninterest income | $1,049,000 | 3,428 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $317,000 | 4,197 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $732,000 | 2,645 |
| Total noninterest expense | $7,107,000 | 2,240 |
| Salaries and employee benefits | $4,330,000 | 2,011 |
| Premises and equipment expense | $916,000 | 2,487 |
| Additional noninterest expense | $1,861,000 | 2,582 |
| Pre-tax net operating income | $-481,000 | 8,650 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-199,000 | 8,806 |
| Income before extraordinary items | $-282,000 | 8,621 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-282,000 | 8,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $824,000 | 895 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-282,000 | 8,591 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,504,000 | 3,640 |
| Total interest expense | $851,000 | 5,258 |
| Net interest income | $4,653,000 | 3,193 |
| Provision for loan and lease losses | $525,000 | 1,396 |
| Total noninterest income | $529,000 | 4,377 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $252,000 | 4,081 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $277,000 | 3,877 |
| Total noninterest expense | $5,090,000 | 2,338 |
| Salaries and employee benefits | $3,031,000 | 2,149 |
| Premises and equipment expense | $655,000 | 2,578 |
| Additional noninterest expense | $1,404,000 | 2,530 |
| Pre-tax net operating income | $-433,000 | 8,749 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-179,000 | 8,899 |
| Income before extraordinary items | $-254,000 | 8,717 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-254,000 | 8,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $807,000 | 668 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-254,000 | 8,689 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,953,000 | 3,412 |
| Total interest expense | $626,000 | 4,978 |
| Net interest income | $3,327,000 | 2,998 |
| Provision for loan and lease losses | $525,000 | 940 |
| Total noninterest income | $317,000 | 4,679 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $175,000 | 3,989 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $142,000 | 4,412 |
| Total noninterest expense | $3,169,000 | 2,504 |
| Salaries and employee benefits | $1,886,000 | 2,294 |
| Premises and equipment expense | $413,000 | 2,713 |
| Additional noninterest expense | $870,000 | 2,705 |
| Pre-tax net operating income | $-50,000 | 8,629 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-25,000 | 8,849 |
| Income before extraordinary items | $-25,000 | 8,632 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-25,000 | 8,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $803,000 | 505 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-25,000 | 8,593 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,792,000 | 3,719 |
| Total interest expense | $329,000 | 4,894 |
| Net interest income | $1,463,000 | 3,327 |
| Provision for loan and lease losses | $200,000 | 1,147 |
| Total noninterest income | $188,000 | 4,196 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 4,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $105,000 | 3,606 |
| Total noninterest expense | $1,380,000 | 2,843 |
| Salaries and employee benefits | $858,000 | 2,527 |
| Premises and equipment expense | $184,000 | 3,026 |
| Additional noninterest expense | $338,000 | 3,399 |
| Pre-tax net operating income | $71,000 | 7,585 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $19,000 | 5,825 |
| Income before extraordinary items | $52,000 | 7,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 7,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $764,000 | 329 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $52,000 | 7,676 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,342,000 | 3,677 |
| Total interest expense | $1,851,000 | 4,266 |
| Net interest income | $5,491,000 | 3,429 |
| Provision for loan and lease losses | $584,000 | 1,927 |
| Total noninterest income | $534,000 | 5,258 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $401,000 | 3,642 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $133,000 | 6,043 |
| Total noninterest expense | $4,315,000 | 3,484 |
| Salaries and employee benefits | $2,581,000 | 3,184 |
| Premises and equipment expense | $607,000 | 3,482 |
| Additional noninterest expense | $1,127,000 | 3,911 |
| Pre-tax net operating income | $1,126,000 | 4,844 |
| Securities gains (losses) | $21,000 | 3,192 |
| Applicable income taxes | $407,000 | 3,742 |
| Income before extraordinary items | $740,000 | 5,435 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $740,000 | 5,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,586 |
| Cash dividends | $338,000 | 4,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $726,350 | 5,327 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,362,000 | 3,804 |
| Total interest expense | $1,437,000 | 4,275 |
| Net interest income | $3,925,000 | 3,577 |
| Provision for loan and lease losses | $584,000 | 1,455 |
| Total noninterest income | $406,000 | 5,271 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $312,000 | 3,579 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $94,000 | 6,195 |
| Total noninterest expense | $3,179,000 | 3,520 |
| Salaries and employee benefits | $1,977,000 | 3,119 |
| Premises and equipment expense | $411,000 | 3,776 |
| Additional noninterest expense | $791,000 | 4,089 |
| Pre-tax net operating income | $568,000 | 6,003 |
| Securities gains (losses) | $21,000 | 2,930 |
| Applicable income taxes | $396,000 | 3,432 |
| Income before extraordinary items | $193,000 | 7,625 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $193,000 | 7,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 1,996 |
| Cash dividends | $338,000 | 3,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $179,560 | 7,576 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,588,000 | 3,817 |
| Total interest expense | $995,000 | 4,266 |
| Net interest income | $2,593,000 | 3,599 |
| Provision for loan and lease losses | $101,000 | 3,832 |
| Total noninterest income | $278,000 | 5,187 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $208,000 | 3,524 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $70,000 | 5,983 |
| Total noninterest expense | $2,074,000 | 3,586 |
| Salaries and employee benefits | $1,285,000 | 3,190 |
| Premises and equipment expense | $265,000 | 3,857 |
| Additional noninterest expense | $524,000 | 4,094 |
| Pre-tax net operating income | $696,000 | 4,441 |
| Securities gains (losses) | $10,000 | 2,948 |
| Applicable income taxes | $270,000 | 3,417 |
| Income before extraordinary items | $436,000 | 5,179 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $436,000 | 5,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,662 |
| Cash dividends | $338,000 | 2,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $429,600 | 5,016 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,641,000 | 4,138 |
| Total interest expense | $520,000 | 4,215 |
| Net interest income | $1,121,000 | 4,036 |
| Provision for loan and lease losses | $48,000 | 3,749 |
| Total noninterest income | $130,000 | 5,256 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $98,000 | 3,600 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 6,104 |
| Total noninterest expense | $960,000 | 3,796 |
| Salaries and employee benefits | $600,000 | 3,368 |
| Premises and equipment expense | $127,000 | 3,981 |
| Additional noninterest expense | $233,000 | 4,460 |
| Pre-tax net operating income | $243,000 | 5,360 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $88,000 | 4,188 |
| Income before extraordinary items | $157,000 | 5,910 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $157,000 | 5,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,468 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $155,720 | 5,742 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,195,000 | 4,458 |
| Total interest expense | $2,369,000 | 4,275 |
| Net interest income | $3,826,000 | 4,494 |
| Provision for loan and lease losses | $92,000 | 5,858 |
| Total noninterest income | $465,000 | 5,417 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $350,000 | 3,866 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $115,000 | 6,152 |
| Total noninterest expense | $3,061,000 | 4,396 |
| Salaries and employee benefits | $1,767,000 | 4,149 |
| Premises and equipment expense | $440,000 | 4,333 |
| Additional noninterest expense | $854,000 | 4,708 |
| Pre-tax net operating income | $1,138,000 | 4,850 |
| Securities gains (losses) | $47,000 | 2,464 |
| Applicable income taxes | $409,000 | 3,841 |
| Income before extraordinary items | $776,000 | 5,283 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $776,000 | 5,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,898 |
| Cash dividends | $341,000 | 4,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $745,450 | 5,248 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,959,000 | 4,989 |
| Total interest expense | $3,076,000 | 4,632 |
| Net interest income | $2,883,000 | 5,216 |
| Provision for loan and lease losses | $148,000 | 4,830 |
| Total noninterest income | $488,000 | 5,134 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $321,000 | 3,996 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $167,000 | 5,302 |
| Total noninterest expense | $2,318,000 | 5,219 |
| Salaries and employee benefits | $1,332,000 | 4,943 |
| Premises and equipment expense | $321,000 | 5,315 |
| Additional noninterest expense | $665,000 | 5,458 |
| Pre-tax net operating income | $905,000 | 5,176 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $311,000 | 4,191 |
| Income before extraordinary items | $620,000 | 5,524 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $620,000 | 5,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,857 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $602,580 | 5,483 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,615,000 | 5,315 |
| Total interest expense | $2,800,000 | 5,188 |
| Net interest income | $2,815,000 | 5,383 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $455,000 | 5,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,205 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,188 |
| Total noninterest expense | $2,176,000 | 5,380 |
| Salaries and employee benefits | $1,300,000 | 4,901 |
| Premises and equipment expense | $365,000 | 4,803 |
| Additional noninterest expense | $511,000 | 6,344 |
| Pre-tax net operating income | $1,058,000 | 5,119 |
| Securities gains (losses) | $-7,000 | 8,117 |
| Applicable income taxes | $323,000 | 4,434 |
| Income before extraordinary items | $728,000 | 5,315 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $728,000 | 5,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $491,000 | 3,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $732,830 | 5,303 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,840,000 | 5,677 |
| Total interest expense | $2,220,000 | 5,617 |
| Net interest income | $2,620,000 | 5,646 |
| Provision for loan and lease losses | $4,000 | 8,376 |
| Total noninterest income | $359,000 | 5,929 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,614 |
| Total noninterest expense | $2,150,000 | 5,400 |
| Salaries and employee benefits | $1,260,000 | 4,987 |
| Premises and equipment expense | $321,000 | 5,267 |
| Additional noninterest expense | $569,000 | 6,026 |
| Pre-tax net operating income | $825,000 | 5,841 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $221,000 | 5,493 |
| Income before extraordinary items | $603,000 | 5,881 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $603,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $355,000 | 4,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $603,730 | 5,855 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 5,499 |
| Total interest expense | $2,407,000 | 5,511 |
| Net interest income | $2,818,000 | 5,380 |
| Provision for loan and lease losses | $31,000 | 7,285 |
| Total noninterest income | $375,000 | 5,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,875 |
| Total noninterest expense | $2,072,000 | 5,465 |
| Salaries and employee benefits | $1,243,000 | 4,931 |
| Premises and equipment expense | $292,000 | 5,468 |
| Additional noninterest expense | $537,000 | 6,184 |
| Pre-tax net operating income | $1,090,000 | 5,159 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $389,000 | 4,501 |
| Income before extraordinary items | $709,000 | 5,578 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $709,000 | 5,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $303,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $703,800 | 5,491 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,853,000 | 5,919 |
| Total interest expense | $2,317,000 | 5,695 |
| Net interest income | $2,536,000 | 5,992 |
| Provision for loan and lease losses | $4,000 | 8,695 |
| Total noninterest income | $370,000 | 5,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,110 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,610 |
| Total noninterest expense | $2,042,000 | 5,578 |
| Salaries and employee benefits | $1,206,000 | 5,080 |
| Premises and equipment expense | $305,000 | 5,408 |
| Additional noninterest expense | $531,000 | 6,270 |
| Pre-tax net operating income | $860,000 | 6,284 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $265,000 | 6,106 |
| Income before extraordinary items | $607,000 | 6,322 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $607,000 | 6,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,460 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $598,600 | 6,327 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,732,000 | 6,170 |
| Total interest expense | $2,171,000 | 6,087 |
| Net interest income | $2,561,000 | 6,092 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $404,000 | 5,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,413 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,566 |
| Total noninterest expense | $2,170,000 | 5,598 |
| Salaries and employee benefits | $1,246,000 | 5,036 |
| Premises and equipment expense | $327,000 | 5,258 |
| Additional noninterest expense | $597,000 | 6,377 |
| Pre-tax net operating income | $795,000 | 6,525 |
| Securities gains (losses) | $45,000 | 1,403 |
| Applicable income taxes | $233,000 | 6,668 |
| Income before extraordinary items | $607,000 | 6,229 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $607,000 | 6,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,098 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $574,600 | 6,361 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,091,000 | 5,906 |
| Total interest expense | $2,319,000 | 5,857 |
| Net interest income | $2,772,000 | 5,859 |
| Provision for loan and lease losses | $46,000 | 6,390 |
| Total noninterest income | $848,000 | 3,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $341,000 | 3,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $507,000 | 2,855 |
| Total noninterest expense | $2,463,000 | 5,061 |
| Salaries and employee benefits | $1,356,000 | 4,692 |
| Premises and equipment expense | $425,000 | 4,302 |
| Additional noninterest expense | $682,000 | 5,977 |
| Pre-tax net operating income | $1,111,000 | 5,567 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $377,000 | 5,156 |
| Income before extraordinary items | $734,000 | 5,795 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $734,000 | 5,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $467,000 | 3,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $734,000 | 5,772 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,677,000 | 5,977 |
| Total interest expense | $1,771,000 | 6,142 |
| Net interest income | $2,906,000 | 5,734 |
| Provision for loan and lease losses | $39,000 | 6,667 |
| Total noninterest income | $443,000 | 5,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $357,000 | 3,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $2,596,000 | 4,991 |
| Salaries and employee benefits | $1,382,000 | 4,624 |
| Premises and equipment expense | $459,000 | 4,088 |
| Additional noninterest expense | $755,000 | 5,967 |
| Pre-tax net operating income | $714,000 | 7,316 |
| Securities gains (losses) | $8,000 | 2,362 |
| Applicable income taxes | $255,000 | 6,452 |
| Income before extraordinary items | $467,000 | 7,561 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $467,000 | 7,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $461,800 | 7,656 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,214,000 | 6,614 |
| Total interest expense | $1,552,000 | 7,045 |
| Net interest income | $2,662,000 | 6,237 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $439,000 | 6,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $365,000 | 3,741 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,889 |
| Total noninterest expense | $2,636,000 | 5,038 |
| Salaries and employee benefits | $1,338,000 | 4,756 |
| Premises and equipment expense | $400,000 | 4,714 |
| Additional noninterest expense | $898,000 | 5,376 |
| Pre-tax net operating income | $465,000 | 8,906 |
| Securities gains (losses) | $111,000 | 2,352 |
| Applicable income taxes | $159,000 | 8,437 |
| Income before extraordinary items | $417,000 | 8,264 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $417,000 | 8,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,560 |
| Cash dividends | $500,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $337,080 | 8,807 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,041,000 | 7,452 |
| Total interest expense | $1,642,000 | 8,073 |
| Net interest income | $2,399,000 | 6,795 |
| Provision for loan and lease losses | $3,000 | 11,629 |
| Total noninterest income | $421,000 | 6,348 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,834 |
| Total noninterest expense | $1,996,000 | 6,392 |
| Salaries and employee benefits | $996,000 | 6,055 |
| Premises and equipment expense | $264,000 | 6,542 |
| Additional noninterest expense | $736,000 | 6,508 |
| Pre-tax net operating income | $821,000 | 6,474 |
| Securities gains (losses) | $-8,000 | 13,215 |
| Applicable income taxes | $329,000 | 5,585 |
| Income before extraordinary items | $484,000 | 7,472 |
| Extraordinary gains, net | $118,000 | 664 |
| Net income | $602,000 | 6,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $489,120 | 7,048 |
* 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.