Home > FirstBank of Breckenridge > Income and Expense
FirstBank of Breckenridge, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,952,000 | 4,053 |
| Total interest expense | $4,235,000 | 3,874 |
| Net interest income | $4,717,000 | 4,174 |
| Provision for loan and lease losses | $243,000 | 3,565 |
| Total noninterest income | $1,252,000 | 3,051 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $616,000 | 2,623 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $636,000 | 2,913 |
| Total noninterest expense | $3,022,000 | 4,986 |
| Salaries and employee benefits | $1,303,000 | 5,743 |
| Premises and equipment expense | $248,000 | 6,277 |
| Additional noninterest expense | $1,471,000 | 3,477 |
| Pre-tax net operating income | $2,704,000 | 2,649 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $753,000 | 2,208 |
| Income before extraordinary items | $1,951,000 | 2,878 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,951,000 | 2,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,041 |
| Cash dividends | $750,000 | 3,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,951,000 | 2,862 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,630,000 | 4,102 |
| Total interest expense | $3,179,000 | 3,870 |
| Net interest income | $3,451,000 | 4,255 |
| Provision for loan and lease losses | $143,000 | 3,556 |
| Total noninterest income | $917,000 | 3,088 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $446,000 | 2,674 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $471,000 | 2,953 |
| Total noninterest expense | $2,246,000 | 4,985 |
| Salaries and employee benefits | $974,000 | 5,725 |
| Premises and equipment expense | $170,000 | 6,467 |
| Additional noninterest expense | $1,102,000 | 3,429 |
| Pre-tax net operating income | $1,979,000 | 2,859 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $544,000 | 2,424 |
| Income before extraordinary items | $1,435,000 | 3,070 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,435,000 | 3,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,450 |
| Cash dividends | $750,000 | 2,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,435,000 | 3,047 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,349,000 | 4,169 |
| Total interest expense | $2,087,000 | 3,917 |
| Net interest income | $2,262,000 | 4,331 |
| Provision for loan and lease losses | $102,000 | 3,248 |
| Total noninterest income | $591,000 | 3,183 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $280,000 | 2,802 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $311,000 | 2,953 |
| Total noninterest expense | $1,495,000 | 5,018 |
| Salaries and employee benefits | $674,000 | 5,680 |
| Premises and equipment expense | $119,000 | 6,393 |
| Additional noninterest expense | $702,000 | 3,557 |
| Pre-tax net operating income | $1,256,000 | 3,012 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $338,000 | 2,587 |
| Income before extraordinary items | $918,000 | 3,198 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $918,000 | 3,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,969 |
| Cash dividends | $750,000 | 1,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $918,000 | 3,183 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,095,000 | 4,261 |
| Total interest expense | $974,000 | 4,080 |
| Net interest income | $1,121,000 | 4,355 |
| Provision for loan and lease losses | $48,000 | 3,154 |
| Total noninterest income | $287,000 | 3,203 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $127,000 | 2,953 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $160,000 | 2,899 |
| Total noninterest expense | $723,000 | 5,143 |
| Salaries and employee benefits | $335,000 | 5,735 |
| Premises and equipment expense | $45,000 | 6,985 |
| Additional noninterest expense | $343,000 | 3,586 |
| Pre-tax net operating income | $637,000 | 2,991 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $172,000 | 2,599 |
| Income before extraordinary items | $465,000 | 3,185 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $465,000 | 3,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $400,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $465,000 | 3,158 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,672,000 | 4,313 |
| Total interest expense | $3,454,000 | 3,948 |
| Net interest income | $4,218,000 | 4,507 |
| Provision for loan and lease losses | $113,000 | 4,576 |
| Total noninterest income | $1,163,000 | 3,186 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $538,000 | 2,916 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $625,000 | 2,941 |
| Total noninterest expense | $2,779,000 | 5,145 |
| Salaries and employee benefits | $1,241,000 | 5,799 |
| Premises and equipment expense | $209,000 | 6,635 |
| Additional noninterest expense | $1,329,000 | 3,634 |
| Pre-tax net operating income | $2,489,000 | 3,137 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $632,000 | 2,817 |
| Income before extraordinary items | $1,857,000 | 3,264 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,857,000 | 3,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,041 |
| Cash dividends | $1,400,000 | 2,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,857,000 | 3,246 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,639,000 | 4,344 |
| Total interest expense | $2,508,000 | 3,944 |
| Net interest income | $3,131,000 | 4,578 |
| Provision for loan and lease losses | $76,000 | 4,554 |
| Total noninterest income | $861,000 | 3,234 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $407,000 | 2,924 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $454,000 | 2,998 |
| Total noninterest expense | $2,075,000 | 5,146 |
| Salaries and employee benefits | $941,000 | 5,737 |
| Premises and equipment expense | $160,000 | 6,605 |
| Additional noninterest expense | $974,000 | 3,675 |
| Pre-tax net operating income | $1,841,000 | 3,294 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $465,000 | 2,959 |
| Income before extraordinary items | $1,376,000 | 3,393 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,376,000 | 3,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,424 |
| Cash dividends | $900,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,376,000 | 3,386 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,661,000 | 4,368 |
| Total interest expense | $1,555,000 | 4,011 |
| Net interest income | $2,106,000 | 4,557 |
| Provision for loan and lease losses | $43,000 | 4,644 |
| Total noninterest income | $585,000 | 3,175 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $281,000 | 2,801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $304,000 | 2,988 |
| Total noninterest expense | $1,419,000 | 5,076 |
| Salaries and employee benefits | $644,000 | 5,679 |
| Premises and equipment expense | $108,000 | 6,597 |
| Additional noninterest expense | $667,000 | 3,623 |
| Pre-tax net operating income | $1,229,000 | 3,307 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $308,000 | 3,008 |
| Income before extraordinary items | $921,000 | 3,401 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $921,000 | 3,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,967 |
| Cash dividends | $600,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $921,000 | 3,391 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,736,000 | 4,486 |
| Total interest expense | $681,000 | 4,246 |
| Net interest income | $1,055,000 | 4,561 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $299,000 | 3,101 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $140,000 | 2,745 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $159,000 | 2,870 |
| Total noninterest expense | $742,000 | 4,933 |
| Salaries and employee benefits | $332,000 | 5,624 |
| Premises and equipment expense | $61,000 | 6,319 |
| Additional noninterest expense | $349,000 | 3,464 |
| Pre-tax net operating income | $592,000 | 3,344 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $145,000 | 3,084 |
| Income before extraordinary items | $447,000 | 3,423 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $447,000 | 3,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $447,000 | 3,401 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,192,000 | 4,529 |
| Total interest expense | $1,744,000 | 4,841 |
| Net interest income | $4,448,000 | 4,294 |
| Provision for loan and lease losses | $64,000 | 5,394 |
| Total noninterest income | $1,110,000 | 3,310 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $524,000 | 2,957 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $586,000 | 3,100 |
| Total noninterest expense | $2,576,000 | 5,282 |
| Salaries and employee benefits | $1,273,000 | 5,588 |
| Premises and equipment expense | $199,000 | 6,740 |
| Additional noninterest expense | $1,104,000 | 4,103 |
| Pre-tax net operating income | $2,918,000 | 2,826 |
| Securities gains (losses) | $86,000 | 747 |
| Applicable income taxes | $829,000 | 2,558 |
| Income before extraordinary items | $2,175,000 | 2,881 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,175,000 | 2,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,815 |
| Cash dividends | $2,000,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,113,080 | 2,923 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,542,000 | 4,545 |
| Total interest expense | $1,176,000 | 4,987 |
| Net interest income | $3,366,000 | 4,274 |
| Provision for loan and lease losses | $13,000 | 6,408 |
| Total noninterest income | $850,000 | 3,275 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $398,000 | 2,928 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $452,000 | 3,059 |
| Total noninterest expense | $1,930,000 | 5,258 |
| Salaries and employee benefits | $958,000 | 5,562 |
| Premises and equipment expense | $147,000 | 6,762 |
| Additional noninterest expense | $825,000 | 4,089 |
| Pre-tax net operating income | $2,273,000 | 2,768 |
| Securities gains (losses) | $86,000 | 702 |
| Applicable income taxes | $661,000 | 2,481 |
| Income before extraordinary items | $1,698,000 | 2,825 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,698,000 | 2,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,687 |
| Cash dividends | $1,400,000 | 1,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,636,080 | 2,880 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,936,000 | 4,573 |
| Total interest expense | $695,000 | 5,177 |
| Net interest income | $2,241,000 | 4,252 |
| Provision for loan and lease losses | $35,000 | 5,026 |
| Total noninterest income | $587,000 | 3,153 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $267,000 | 2,867 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $320,000 | 2,949 |
| Total noninterest expense | $1,288,000 | 5,240 |
| Salaries and employee benefits | $638,000 | 5,544 |
| Premises and equipment expense | $96,000 | 6,780 |
| Additional noninterest expense | $554,000 | 4,042 |
| Pre-tax net operating income | $1,505,000 | 2,746 |
| Securities gains (losses) | $86,000 | 620 |
| Applicable income taxes | $447,000 | 2,433 |
| Income before extraordinary items | $1,144,000 | 2,771 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,144,000 | 2,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,046 |
| Cash dividends | $900,000 | 1,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,082,080 | 2,869 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,401,000 | 4,693 |
| Total interest expense | $304,000 | 5,440 |
| Net interest income | $1,097,000 | 4,326 |
| Provision for loan and lease losses | $-9,000 | 8,721 |
| Total noninterest income | $284,000 | 3,179 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $135,000 | 2,769 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $149,000 | 2,992 |
| Total noninterest expense | $667,000 | 5,163 |
| Salaries and employee benefits | $333,000 | 5,451 |
| Premises and equipment expense | $51,000 | 6,715 |
| Additional noninterest expense | $283,000 | 3,985 |
| Pre-tax net operating income | $723,000 | 2,788 |
| Securities gains (losses) | $86,000 | 404 |
| Applicable income taxes | $227,000 | 2,400 |
| Income before extraordinary items | $582,000 | 2,682 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $582,000 | 2,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $520,080 | 2,915 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,595,000 | 4,490 |
| Total interest expense | $964,000 | 5,777 |
| Net interest income | $4,631,000 | 4,034 |
| Provision for loan and lease losses | $167,000 | 4,066 |
| Total noninterest income | $1,127,000 | 3,267 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $598,000 | 2,706 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $529,000 | 3,218 |
| Total noninterest expense | $2,733,000 | 4,988 |
| Salaries and employee benefits | $1,512,000 | 4,916 |
| Premises and equipment expense | $196,000 | 6,808 |
| Additional noninterest expense | $1,025,000 | 4,247 |
| Pre-tax net operating income | $2,858,000 | 2,696 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $752,000 | 2,629 |
| Income before extraordinary items | $2,106,000 | 2,792 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,106,000 | 2,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,501 |
| Cash dividends | $1,800,000 | 1,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,106,000 | 2,731 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,103,000 | 4,533 |
| Total interest expense | $670,000 | 5,942 |
| Net interest income | $3,433,000 | 4,063 |
| Provision for loan and lease losses | $173,000 | 3,301 |
| Total noninterest income | $839,000 | 3,310 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $456,000 | 2,683 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $383,000 | 3,272 |
| Total noninterest expense | $1,987,000 | 5,059 |
| Salaries and employee benefits | $1,075,000 | 5,051 |
| Premises and equipment expense | $151,000 | 6,711 |
| Additional noninterest expense | $761,000 | 4,238 |
| Pre-tax net operating income | $2,112,000 | 2,750 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $545,000 | 2,760 |
| Income before extraordinary items | $1,567,000 | 2,847 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,567,000 | 2,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,003 |
| Cash dividends | $1,300,000 | 1,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,567,000 | 2,774 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,710,000 | 4,571 |
| Total interest expense | $435,000 | 6,050 |
| Net interest income | $2,275,000 | 4,091 |
| Provision for loan and lease losses | $8,000 | 6,484 |
| Total noninterest income | $576,000 | 3,268 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $316,000 | 2,607 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $260,000 | 3,251 |
| Total noninterest expense | $1,308,000 | 5,119 |
| Salaries and employee benefits | $707,000 | 5,131 |
| Premises and equipment expense | $100,000 | 6,777 |
| Additional noninterest expense | $501,000 | 4,308 |
| Pre-tax net operating income | $1,535,000 | 2,544 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $412,000 | 2,510 |
| Income before extraordinary items | $1,123,000 | 2,666 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,123,000 | 2,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $800,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,123,000 | 2,594 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,335,000 | 4,630 |
| Total interest expense | $213,000 | 6,172 |
| Net interest income | $1,122,000 | 4,124 |
| Provision for loan and lease losses | $-14,000 | 8,940 |
| Total noninterest income | $300,000 | 3,111 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $161,000 | 2,527 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $139,000 | 3,072 |
| Total noninterest expense | $634,000 | 5,259 |
| Salaries and employee benefits | $333,000 | 5,370 |
| Premises and equipment expense | $50,000 | 6,793 |
| Additional noninterest expense | $251,000 | 4,304 |
| Pre-tax net operating income | $802,000 | 2,424 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $212,000 | 2,476 |
| Income before extraordinary items | $590,000 | 2,532 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $590,000 | 2,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $590,000 | 2,449 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,085,000 | 4,835 |
| Total interest expense | $878,000 | 6,482 |
| Net interest income | $4,207,000 | 4,204 |
| Provision for loan and lease losses | $-80,000 | 9,014 |
| Total noninterest income | $1,218,000 | 3,269 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $691,000 | 2,384 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $527,000 | 3,493 |
| Total noninterest expense | $2,369,000 | 5,408 |
| Salaries and employee benefits | $1,170,000 | 5,726 |
| Premises and equipment expense | $207,000 | 6,697 |
| Additional noninterest expense | $992,000 | 4,305 |
| Pre-tax net operating income | $3,136,000 | 2,411 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $762,000 | 2,622 |
| Income before extraordinary items | $2,374,000 | 2,489 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,374,000 | 2,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $1,700,000 | 1,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,374,000 | 2,375 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,847,000 | 4,851 |
| Total interest expense | $661,000 | 6,617 |
| Net interest income | $3,186,000 | 4,201 |
| Provision for loan and lease losses | $-87,000 | 9,126 |
| Total noninterest income | $928,000 | 3,292 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $515,000 | 2,409 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $413,000 | 3,473 |
| Total noninterest expense | $1,768,000 | 5,405 |
| Salaries and employee benefits | $895,000 | 5,616 |
| Premises and equipment expense | $154,000 | 6,717 |
| Additional noninterest expense | $719,000 | 4,392 |
| Pre-tax net operating income | $2,433,000 | 2,448 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $578,000 | 2,746 |
| Income before extraordinary items | $1,855,000 | 2,488 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,855,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $900,000 | 1,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,855,000 | 2,360 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,561,000 | 4,904 |
| Total interest expense | $443,000 | 6,719 |
| Net interest income | $2,118,000 | 4,215 |
| Provision for loan and lease losses | $-124,000 | 9,204 |
| Total noninterest income | $624,000 | 3,248 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $340,000 | 2,401 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $284,000 | 3,408 |
| Total noninterest expense | $1,202,000 | 5,330 |
| Salaries and employee benefits | $613,000 | 5,546 |
| Premises and equipment expense | $99,000 | 6,790 |
| Additional noninterest expense | $490,000 | 4,311 |
| Pre-tax net operating income | $1,664,000 | 2,382 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $395,000 | 2,717 |
| Income before extraordinary items | $1,269,000 | 2,446 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,269,000 | 2,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $600,000 | 1,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,269,000 | 2,310 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,292,000 | 4,896 |
| Total interest expense | $222,000 | 6,798 |
| Net interest income | $1,070,000 | 4,188 |
| Provision for loan and lease losses | $-107,000 | 9,268 |
| Total noninterest income | $311,000 | 3,167 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $167,000 | 2,371 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $144,000 | 3,288 |
| Total noninterest expense | $606,000 | 5,303 |
| Salaries and employee benefits | $319,000 | 5,433 |
| Premises and equipment expense | $46,000 | 7,010 |
| Additional noninterest expense | $241,000 | 4,338 |
| Pre-tax net operating income | $882,000 | 2,278 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $222,000 | 2,526 |
| Income before extraordinary items | $660,000 | 2,320 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $660,000 | 2,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $660,000 | 2,192 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,491,000 | 4,845 |
| Total interest expense | $1,033,000 | 6,851 |
| Net interest income | $4,458,000 | 4,022 |
| Provision for loan and lease losses | $-39,000 | 9,225 |
| Total noninterest income | $1,226,000 | 3,026 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $661,000 | 2,360 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $565,000 | 3,066 |
| Total noninterest expense | $2,588,000 | 4,964 |
| Salaries and employee benefits | $1,421,000 | 4,890 |
| Premises and equipment expense | $199,000 | 6,784 |
| Additional noninterest expense | $968,000 | 4,284 |
| Pre-tax net operating income | $3,135,000 | 2,404 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $738,000 | 2,736 |
| Income before extraordinary items | $2,397,000 | 2,432 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,397,000 | 2,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,566 |
| Cash dividends | $1,800,000 | 1,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,397,000 | 2,355 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,548,000 | 4,652 |
| Total interest expense | $2,117,000 | 5,926 |
| Net interest income | $4,431,000 | 3,817 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $1,281,000 | 2,804 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $688,000 | 2,170 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $593,000 | 2,850 |
| Total noninterest expense | $2,797,000 | 4,576 |
| Salaries and employee benefits | $1,530,000 | 4,447 |
| Premises and equipment expense | $212,000 | 6,623 |
| Additional noninterest expense | $1,055,000 | 3,891 |
| Pre-tax net operating income | $2,815,000 | 2,411 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $725,000 | 2,606 |
| Income before extraordinary items | $2,090,000 | 2,427 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,090,000 | 2,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $2,100,000 | 1,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,090,000 | 2,354 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,896,000 | 4,642 |
| Total interest expense | $2,864,000 | 5,099 |
| Net interest income | $4,032,000 | 4,156 |
| Provision for loan and lease losses | $75,000 | 5,850 |
| Total noninterest income | $1,141,000 | 2,870 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $625,000 | 2,205 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $516,000 | 2,902 |
| Total noninterest expense | $2,504,000 | 4,848 |
| Salaries and employee benefits | $1,243,000 | 5,072 |
| Premises and equipment expense | $223,000 | 6,414 |
| Additional noninterest expense | $1,038,000 | 3,880 |
| Pre-tax net operating income | $2,594,000 | 2,683 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $708,000 | 2,754 |
| Income before extraordinary items | $1,886,000 | 2,701 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,886,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,623 |
| Cash dividends | $950,000 | 2,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,886,000 | 2,701 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,090,000 | 4,894 |
| Total interest expense | $2,159,000 | 5,717 |
| Net interest income | $3,931,000 | 4,244 |
| Provision for loan and lease losses | $136,000 | 4,489 |
| Total noninterest income | $1,115,000 | 2,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $573,000 | 2,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $542,000 | 2,807 |
| Total noninterest expense | $2,402,000 | 5,016 |
| Salaries and employee benefits | $1,163,000 | 5,279 |
| Premises and equipment expense | $259,000 | 5,928 |
| Additional noninterest expense | $980,000 | 4,082 |
| Pre-tax net operating income | $2,508,000 | 2,787 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $748,000 | 2,782 |
| Income before extraordinary items | $1,760,000 | 2,861 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,760,000 | 2,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,770 |
| Cash dividends | $1,100,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,760,000 | 2,834 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,258,000 | 5,475 |
| Total interest expense | $1,972,000 | 6,233 |
| Net interest income | $3,286,000 | 4,822 |
| Provision for loan and lease losses | $75,000 | 5,712 |
| Total noninterest income | $1,015,000 | 3,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $492,000 | 2,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $523,000 | 2,901 |
| Total noninterest expense | $2,249,000 | 5,128 |
| Salaries and employee benefits | $1,133,000 | 5,288 |
| Premises and equipment expense | $251,000 | 5,955 |
| Additional noninterest expense | $865,000 | 4,421 |
| Pre-tax net operating income | $1,977,000 | 3,375 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $609,000 | 3,367 |
| Income before extraordinary items | $1,368,000 | 3,515 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,368,000 | 3,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $701,000 | 2,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,368,000 | 3,421 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,700,000 | 6,049 |
| Total interest expense | $1,760,000 | 6,758 |
| Net interest income | $2,940,000 | 5,391 |
| Provision for loan and lease losses | $67,000 | 5,992 |
| Total noninterest income | $1,143,000 | 2,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $528,000 | 2,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $615,000 | 2,431 |
| Total noninterest expense | $2,412,000 | 4,926 |
| Salaries and employee benefits | $1,040,000 | 5,714 |
| Premises and equipment expense | $242,000 | 6,177 |
| Additional noninterest expense | $1,130,000 | 3,524 |
| Pre-tax net operating income | $1,604,000 | 4,233 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $402,000 | 4,873 |
| Income before extraordinary items | $1,202,000 | 4,054 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,202,000 | 4,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $1,025,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,202,000 | 3,990 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,185,000 | 6,696 |
| Total interest expense | $1,535,000 | 7,480 |
| Net interest income | $2,650,000 | 5,963 |
| Provision for loan and lease losses | $138,000 | 4,289 |
| Total noninterest income | $1,041,000 | 3,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $536,000 | 2,533 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $505,000 | 2,898 |
| Total noninterest expense | $2,199,000 | 5,546 |
| Salaries and employee benefits | $1,001,000 | 5,982 |
| Premises and equipment expense | $237,000 | 6,434 |
| Additional noninterest expense | $961,000 | 4,558 |
| Pre-tax net operating income | $1,354,000 | 4,699 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $425,000 | 4,702 |
| Income before extraordinary items | $929,000 | 4,763 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $929,000 | 4,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $929,000 | 4,713 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,548,000 | 7,491 |
| Total interest expense | $1,296,000 | 8,289 |
| Net interest income | $2,252,000 | 6,777 |
| Provision for loan and lease losses | $81,000 | 5,069 |
| Total noninterest income | $928,000 | 3,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $514,000 | 2,635 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $414,000 | 3,239 |
| Total noninterest expense | $1,932,000 | 6,151 |
| Salaries and employee benefits | $845,000 | 6,852 |
| Premises and equipment expense | $229,000 | 6,680 |
| Additional noninterest expense | $858,000 | 4,954 |
| Pre-tax net operating income | $1,167,000 | 5,357 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $369,000 | 5,228 |
| Income before extraordinary items | $798,000 | 5,467 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $798,000 | 5,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $798,000 | 5,435 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 8,694 |
| Total interest expense | $651,000 | 10,345 |
| Net interest income | $1,969,000 | 7,642 |
| Provision for loan and lease losses | $113,000 | 4,290 |
| Total noninterest income | $766,000 | 3,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,566 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $386,000 | 3,484 |
| Total noninterest expense | $1,837,000 | 6,599 |
| Salaries and employee benefits | $807,000 | 7,167 |
| Premises and equipment expense | $241,000 | 6,664 |
| Additional noninterest expense | $789,000 | 5,756 |
| Pre-tax net operating income | $785,000 | 6,948 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $237,000 | 6,725 |
| Income before extraordinary items | $548,000 | 6,923 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $548,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,622 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $548,000 | 6,981 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,841,000 | 10,512 |
| Total interest expense | $463,000 | 11,871 |
| Net interest income | $1,378,000 | 9,478 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $646,000 | 4,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $347,000 | 4,127 |
| Total noninterest expense | $1,677,000 | 7,264 |
| Salaries and employee benefits | $734,000 | 7,754 |
| Premises and equipment expense | $247,000 | 6,746 |
| Additional noninterest expense | $696,000 | 6,592 |
| Pre-tax net operating income | $323,000 | 10,035 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $93,000 | 9,919 |
| Income before extraordinary items | $230,000 | 10,269 |
| Extraordinary gains, net | $-29,000 | 12,546 |
| Net income | $201,000 | 10,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $230,000 | 10,025 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,544,000 | 11,853 |
| Total interest expense | $447,000 | 12,991 |
| Net interest income | $1,097,000 | 10,709 |
| Provision for loan and lease losses | $156,000 | 5,974 |
| Total noninterest income | $522,000 | 5,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 5,344 |
| Total noninterest expense | $1,542,000 | 7,770 |
| Salaries and employee benefits | $699,000 | 7,993 |
| Premises and equipment expense | $256,000 | 6,669 |
| Additional noninterest expense | $587,000 | 7,628 |
| Pre-tax net operating income | $-79,000 | 12,907 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-25,000 | 13,439 |
| Income before extraordinary items | $-54,000 | 13,002 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-54,000 | 12,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 4,970 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-54,000 | 12,824 |
* 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.