Home > Fortress Bank of Cresco > Income and Expense
Fortress Bank of Cresco, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,898,000 | 5,636 |
| Total interest expense | $1,999,000 | 5,118 |
| Net interest income | $1,899,000 | 5,961 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $386,000 | 4,992 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $271,000 | 3,717 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $115,000 | 5,553 |
| Total noninterest expense | $1,664,000 | 5,908 |
| Salaries and employee benefits | $872,000 | 6,068 |
| Premises and equipment expense | $271,000 | 5,307 |
| Additional noninterest expense | $521,000 | 5,706 |
| Pre-tax net operating income | $621,000 | 5,373 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $205,000 | 3,696 |
| Income before extraordinary items | $416,000 | 5,749 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $416,000 | 5,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,136 |
| Cash dividends | $75,000 | 4,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $416,000 | 5,734 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,571,000 | 5,699 |
| Total interest expense | $1,308,000 | 5,171 |
| Net interest income | $1,263,000 | 6,021 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $239,000 | 5,180 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $181,000 | 3,717 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $58,000 | 6,055 |
| Total noninterest expense | $1,102,000 | 5,972 |
| Salaries and employee benefits | $569,000 | 6,175 |
| Premises and equipment expense | $184,000 | 5,276 |
| Additional noninterest expense | $349,000 | 5,693 |
| Pre-tax net operating income | $400,000 | 5,522 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $131,000 | 3,815 |
| Income before extraordinary items | $269,000 | 5,882 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $269,000 | 5,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,561 |
| Cash dividends | $75,000 | 4,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $269,000 | 5,867 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,265,000 | 5,747 |
| Total interest expense | $638,000 | 5,218 |
| Net interest income | $627,000 | 6,053 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $105,000 | 5,428 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $89,000 | 3,686 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $16,000 | 6,921 |
| Total noninterest expense | $549,000 | 6,022 |
| Salaries and employee benefits | $284,000 | 6,209 |
| Premises and equipment expense | $89,000 | 5,403 |
| Additional noninterest expense | $176,000 | 5,648 |
| Pre-tax net operating income | $183,000 | 5,678 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $59,000 | 3,933 |
| Income before extraordinary items | $124,000 | 6,027 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $124,000 | 6,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 1,413 |
| Cash dividends | $75,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $124,000 | 6,010 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,877,000 | 5,628 |
| Total interest expense | $2,345,000 | 4,996 |
| Net interest income | $2,532,000 | 5,990 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $456,000 | 5,338 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $318,000 | 4,007 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $138,000 | 5,778 |
| Total noninterest expense | $2,217,000 | 5,853 |
| Salaries and employee benefits | $1,206,000 | 5,896 |
| Premises and equipment expense | $272,000 | 5,990 |
| Additional noninterest expense | $739,000 | 5,487 |
| Pre-tax net operating income | $771,000 | 5,722 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $251,000 | 4,029 |
| Income before extraordinary items | $520,000 | 6,074 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $520,000 | 6,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,358 |
| Cash dividends | $375,000 | 4,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $520,000 | 6,072 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,551,000 | 5,707 |
| Total interest expense | $1,705,000 | 4,996 |
| Net interest income | $1,846,000 | 6,131 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $347,000 | 5,314 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $234,000 | 4,068 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $113,000 | 5,618 |
| Total noninterest expense | $1,651,000 | 5,862 |
| Salaries and employee benefits | $902,000 | 5,876 |
| Premises and equipment expense | $196,000 | 6,131 |
| Additional noninterest expense | $553,000 | 5,476 |
| Pre-tax net operating income | $542,000 | 6,066 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $174,000 | 4,323 |
| Income before extraordinary items | $368,000 | 6,389 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $368,000 | 6,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,504 |
| Cash dividends | $250,000 | 3,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $368,000 | 6,392 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,261,000 | 5,799 |
| Total interest expense | $1,065,000 | 5,063 |
| Net interest income | $1,196,000 | 6,231 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $226,000 | 5,362 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $156,000 | 4,058 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $70,000 | 5,792 |
| Total noninterest expense | $1,105,000 | 5,873 |
| Salaries and employee benefits | $602,000 | 5,906 |
| Premises and equipment expense | $119,000 | 6,367 |
| Additional noninterest expense | $384,000 | 5,353 |
| Pre-tax net operating income | $317,000 | 6,351 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $99,000 | 4,524 |
| Income before extraordinary items | $218,000 | 6,605 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $218,000 | 6,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,995 |
| Cash dividends | $250,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $218,000 | 6,600 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 5,907 |
| Total interest expense | $491,000 | 5,167 |
| Net interest income | $584,000 | 6,303 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $92,000 | 5,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $74,000 | 4,113 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 6,859 |
| Total noninterest expense | $545,000 | 5,927 |
| Salaries and employee benefits | $302,000 | 5,911 |
| Premises and equipment expense | $50,000 | 6,755 |
| Additional noninterest expense | $193,000 | 5,294 |
| Pre-tax net operating income | $131,000 | 6,665 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $39,000 | 4,751 |
| Income before extraordinary items | $92,000 | 6,859 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $92,000 | 6,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 1,804 |
| Cash dividends | $125,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $92,000 | 6,856 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,898,000 | 5,893 |
| Total interest expense | $1,558,000 | 5,137 |
| Net interest income | $2,340,000 | 6,221 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $438,000 | 5,525 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $285,000 | 4,305 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $153,000 | 5,688 |
| Total noninterest expense | $2,084,000 | 5,974 |
| Salaries and employee benefits | $1,258,000 | 5,631 |
| Premises and equipment expense | $147,000 | 7,307 |
| Additional noninterest expense | $679,000 | 5,680 |
| Pre-tax net operating income | $694,000 | 6,163 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $225,000 | 4,505 |
| Income before extraordinary items | $469,000 | 6,493 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $469,000 | 6,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,447 |
| Cash dividends | $448,000 | 3,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $469,000 | 6,471 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,876,000 | 5,924 |
| Total interest expense | $1,118,000 | 5,136 |
| Net interest income | $1,758,000 | 6,251 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $318,000 | 5,645 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $210,000 | 4,361 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $108,000 | 5,816 |
| Total noninterest expense | $1,561,000 | 5,935 |
| Salaries and employee benefits | $958,000 | 5,562 |
| Premises and equipment expense | $106,000 | 7,385 |
| Additional noninterest expense | $497,000 | 5,717 |
| Pre-tax net operating income | $515,000 | 6,338 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $167,000 | 4,683 |
| Income before extraordinary items | $348,000 | 6,661 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $348,000 | 6,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,724 |
| Cash dividends | $336,000 | 3,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $348,000 | 6,617 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,864,000 | 5,945 |
| Total interest expense | $702,000 | 5,150 |
| Net interest income | $1,162,000 | 6,270 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $191,000 | 5,842 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $124,000 | 4,588 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $67,000 | 5,953 |
| Total noninterest expense | $1,049,000 | 5,900 |
| Salaries and employee benefits | $639,000 | 5,537 |
| Premises and equipment expense | $72,000 | 7,364 |
| Additional noninterest expense | $338,000 | 5,645 |
| Pre-tax net operating income | $304,000 | 6,557 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $97,000 | 4,848 |
| Income before extraordinary items | $207,000 | 6,884 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $207,000 | 6,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,220 |
| Cash dividends | $224,000 | 3,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $207,000 | 6,837 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $915,000 | 5,995 |
| Total interest expense | $327,000 | 5,249 |
| Net interest income | $588,000 | 6,276 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $80,000 | 6,177 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $56,000 | 4,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $515,000 | 5,997 |
| Salaries and employee benefits | $312,000 | 5,668 |
| Premises and equipment expense | $37,000 | 7,362 |
| Additional noninterest expense | $166,000 | 5,678 |
| Pre-tax net operating income | $153,000 | 6,518 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $48,000 | 4,803 |
| Income before extraordinary items | $105,000 | 6,803 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $105,000 | 6,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $112,000 | 2,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $105,000 | 6,769 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,421,000 | 6,029 |
| Total interest expense | $1,191,000 | 5,141 |
| Net interest income | $2,230,000 | 6,333 |
| Provision for loan and lease losses | $50,000 | 5,899 |
| Total noninterest income | $390,000 | 5,850 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $268,000 | 4,578 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $122,000 | 6,074 |
| Total noninterest expense | $1,903,000 | 6,172 |
| Salaries and employee benefits | $1,106,000 | 5,954 |
| Premises and equipment expense | $142,000 | 7,422 |
| Additional noninterest expense | $655,000 | 5,741 |
| Pre-tax net operating income | $667,000 | 6,200 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $222,000 | 4,620 |
| Income before extraordinary items | $445,000 | 6,574 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $445,000 | 6,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,850 |
| Cash dividends | $520,000 | 3,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $445,000 | 6,518 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,531,000 | 6,077 |
| Total interest expense | $872,000 | 5,180 |
| Net interest income | $1,659,000 | 6,366 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $294,000 | 5,864 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $195,000 | 4,696 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $99,000 | 5,932 |
| Total noninterest expense | $1,382,000 | 6,244 |
| Salaries and employee benefits | $777,000 | 6,118 |
| Premises and equipment expense | $102,000 | 7,487 |
| Additional noninterest expense | $503,000 | 5,611 |
| Pre-tax net operating income | $526,000 | 6,208 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $177,000 | 4,631 |
| Income before extraordinary items | $349,000 | 6,615 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $349,000 | 6,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,964 |
| Cash dividends | $390,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $349,000 | 6,548 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 6,140 |
| Total interest expense | $558,000 | 5,334 |
| Net interest income | $1,109,000 | 6,372 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $189,000 | 5,946 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $126,000 | 4,757 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $63,000 | 6,049 |
| Total noninterest expense | $933,000 | 6,239 |
| Salaries and employee benefits | $518,000 | 6,163 |
| Premises and equipment expense | $77,000 | 7,299 |
| Additional noninterest expense | $338,000 | 5,609 |
| Pre-tax net operating income | $335,000 | 6,275 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $111,000 | 4,712 |
| Income before extraordinary items | $224,000 | 6,677 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $224,000 | 6,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,384 |
| Cash dividends | $260,000 | 3,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $224,000 | 6,590 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $821,000 | 6,187 |
| Total interest expense | $278,000 | 5,407 |
| Net interest income | $543,000 | 6,465 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $95,000 | 5,901 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $65,000 | 4,595 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $30,000 | 6,109 |
| Total noninterest expense | $449,000 | 6,416 |
| Salaries and employee benefits | $246,000 | 6,394 |
| Premises and equipment expense | $38,000 | 7,364 |
| Additional noninterest expense | $165,000 | 5,693 |
| Pre-tax net operating income | $174,000 | 6,138 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $57,000 | 4,676 |
| Income before extraordinary items | $117,000 | 6,569 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $117,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,425 |
| Cash dividends | $130,000 | 2,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $117,000 | 6,453 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,392,000 | 6,130 |
| Total interest expense | $1,071,000 | 5,926 |
| Net interest income | $2,321,000 | 6,151 |
| Provision for loan and lease losses | $35,000 | 6,678 |
| Total noninterest income | $447,000 | 5,707 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $260,000 | 4,661 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $187,000 | 5,428 |
| Total noninterest expense | $1,755,000 | 6,430 |
| Salaries and employee benefits | $997,000 | 6,278 |
| Premises and equipment expense | $152,000 | 7,371 |
| Additional noninterest expense | $606,000 | 5,958 |
| Pre-tax net operating income | $978,000 | 5,236 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $328,000 | 4,142 |
| Income before extraordinary items | $650,000 | 5,765 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $650,000 | 5,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,982 |
| Cash dividends | $392,000 | 3,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $650,000 | 5,599 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,573,000 | 6,168 |
| Total interest expense | $812,000 | 6,027 |
| Net interest income | $1,761,000 | 6,121 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $345,000 | 5,705 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $191,000 | 4,738 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $154,000 | 5,292 |
| Total noninterest expense | $1,306,000 | 6,433 |
| Salaries and employee benefits | $748,000 | 6,245 |
| Premises and equipment expense | $115,000 | 7,361 |
| Additional noninterest expense | $443,000 | 6,030 |
| Pre-tax net operating income | $780,000 | 5,202 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $263,000 | 4,177 |
| Income before extraordinary items | $517,000 | 5,766 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $517,000 | 5,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,436 |
| Cash dividends | $294,000 | 3,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $517,000 | 5,597 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,750,000 | 6,156 |
| Total interest expense | $555,000 | 6,079 |
| Net interest income | $1,195,000 | 6,078 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $203,000 | 5,966 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $118,000 | 4,897 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $85,000 | 5,621 |
| Total noninterest expense | $866,000 | 6,463 |
| Salaries and employee benefits | $496,000 | 6,296 |
| Premises and equipment expense | $76,000 | 7,385 |
| Additional noninterest expense | $294,000 | 6,040 |
| Pre-tax net operating income | $522,000 | 5,213 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $176,000 | 4,215 |
| Income before extraordinary items | $346,000 | 5,763 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $346,000 | 5,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $196,000 | 3,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $346,000 | 5,555 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $931,000 | 5,991 |
| Total interest expense | $282,000 | 6,142 |
| Net interest income | $649,000 | 5,790 |
| Provision for loan and lease losses | $10,000 | 6,044 |
| Total noninterest income | $91,000 | 6,131 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $57,000 | 4,884 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 5,990 |
| Total noninterest expense | $431,000 | 6,487 |
| Salaries and employee benefits | $252,000 | 6,217 |
| Premises and equipment expense | $37,000 | 7,479 |
| Additional noninterest expense | $142,000 | 6,123 |
| Pre-tax net operating income | $299,000 | 4,797 |
| Securities gains (losses) | $24,000 | 1,809 |
| Applicable income taxes | $111,000 | 3,758 |
| Income before extraordinary items | $212,000 | 5,170 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $212,000 | 5,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $98,000 | 3,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $196,160 | 5,194 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $326,000 | 9,226 |
| Total interest expense | $105,000 | 9,190 |
| Net interest income | $221,000 | 9,226 |
| Provision for loan and lease losses | $9,000 | 7,866 |
| Total noninterest income | $29,000 | 9,117 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $19,000 | 7,985 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,905 |
| Total noninterest expense | $146,000 | 9,321 |
| Salaries and employee benefits | $77,000 | 9,307 |
| Premises and equipment expense | $14,000 | 9,268 |
| Additional noninterest expense | $55,000 | 9,286 |
| Pre-tax net operating income | $95,000 | 8,329 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $32,000 | 6,809 |
| Income before extraordinary items | $63,000 | 8,494 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $63,000 | 8,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $63,000 | 8,405 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,100,000 | 6,272 |
| Total interest expense | $2,046,000 | 6,026 |
| Net interest income | $2,054,000 | 6,356 |
| Provision for loan and lease losses | $54,000 | 6,579 |
| Total noninterest income | $371,000 | 5,879 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $240,000 | 4,751 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $131,000 | 5,805 |
| Total noninterest expense | $1,550,000 | 6,686 |
| Salaries and employee benefits | $792,000 | 6,812 |
| Premises and equipment expense | $167,000 | 7,259 |
| Additional noninterest expense | $591,000 | 5,895 |
| Pre-tax net operating income | $821,000 | 5,423 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $269,000 | 4,482 |
| Income before extraordinary items | $552,000 | 5,838 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $552,000 | 5,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,231 |
| Cash dividends | $224,000 | 4,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $552,000 | 5,719 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,868,000 | 6,592 |
| Total interest expense | $2,094,000 | 6,136 |
| Net interest income | $1,774,000 | 6,970 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $343,000 | 5,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,102 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,581 |
| Total noninterest expense | $1,406,000 | 6,989 |
| Salaries and employee benefits | $691,000 | 7,245 |
| Premises and equipment expense | $156,000 | 7,501 |
| Additional noninterest expense | $559,000 | 6,021 |
| Pre-tax net operating income | $711,000 | 6,178 |
| Securities gains (losses) | $-11,000 | 8,394 |
| Applicable income taxes | $234,000 | 5,102 |
| Income before extraordinary items | $466,000 | 6,505 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $466,000 | 6,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $142,000 | 5,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $473,370 | 6,479 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,356,000 | 6,981 |
| Total interest expense | $1,716,000 | 6,510 |
| Net interest income | $1,640,000 | 7,308 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $275,000 | 6,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,493 |
| Total noninterest expense | $1,300,000 | 7,303 |
| Salaries and employee benefits | $588,000 | 7,827 |
| Premises and equipment expense | $151,000 | 7,646 |
| Additional noninterest expense | $561,000 | 6,077 |
| Pre-tax net operating income | $615,000 | 6,656 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $203,000 | 5,680 |
| Income before extraordinary items | $415,000 | 6,906 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $415,000 | 6,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $406,000 | 3,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $412,990 | 6,901 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,273,000 | 7,202 |
| Total interest expense | $1,709,000 | 6,745 |
| Net interest income | $1,564,000 | 7,546 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $218,000 | 7,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 5,798 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,768 |
| Total noninterest expense | $1,190,000 | 7,578 |
| Salaries and employee benefits | $527,000 | 8,188 |
| Premises and equipment expense | $118,000 | 8,318 |
| Additional noninterest expense | $545,000 | 6,124 |
| Pre-tax net operating income | $592,000 | 6,960 |
| Securities gains (losses) | $20,000 | 2,430 |
| Applicable income taxes | $206,000 | 6,123 |
| Income before extraordinary items | $406,000 | 7,171 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $406,000 | 7,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $451,000 | 3,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $392,800 | 7,180 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,897,000 | 7,888 |
| Total interest expense | $1,507,000 | 7,327 |
| Net interest income | $1,390,000 | 8,261 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $202,000 | 7,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,342 |
| Total noninterest expense | $999,000 | 8,347 |
| Salaries and employee benefits | $438,000 | 9,024 |
| Premises and equipment expense | $108,000 | 8,773 |
| Additional noninterest expense | $453,000 | 6,896 |
| Pre-tax net operating income | $593,000 | 7,466 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $201,000 | 6,858 |
| Income before extraordinary items | $400,000 | 7,636 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $400,000 | 7,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,643 |
| Cash dividends | $431,000 | 3,798 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $394,640 | 7,627 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,008,000 | 10,801 |
| Total interest expense | $532,000 | 10,490 |
| Net interest income | $476,000 | 10,938 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $60,000 | 10,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 8,722 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 11,162 |
| Total noninterest expense | $370,000 | 11,065 |
| Salaries and employee benefits | $172,000 | 11,155 |
| Premises and equipment expense | $21,000 | 11,288 |
| Additional noninterest expense | $177,000 | 10,209 |
| Pre-tax net operating income | $166,000 | 9,991 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $56,000 | 9,587 |
| Income before extraordinary items | $110,000 | 10,137 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $110,000 | 10,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $110,000 | 10,077 |
* 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.