Home > Frances Slocum Bank and Trust Company > Income and Expense
Frances Slocum Bank and Trust Company, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,282,000 | 3,030 |
| Total interest expense | $1,510,000 | 2,974 |
| Net interest income | $1,772,000 | 3,081 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $342,000 | 2,856 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $200,000 | 2,050 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $142,000 | 3,115 |
| Total noninterest expense | $1,379,000 | 3,186 |
| Salaries and employee benefits | $596,000 | 3,915 |
| Premises and equipment expense | $135,000 | 4,167 |
| Additional noninterest expense | $648,000 | 2,024 |
| Pre-tax net operating income | $690,000 | 2,826 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $237,000 | 2,167 |
| Income before extraordinary items | $453,000 | 3,220 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $453,000 | 3,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,036 |
| Cash dividends | $1,250,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 817 |
| Net operating income | $453,000 | 3,194 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,336,000 | 3,011 |
| Total interest expense | $5,104,000 | 2,979 |
| Net interest income | $7,232,000 | 3,019 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $1,157,000 | 3,195 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $734,000 | 2,281 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $423,000 | 3,643 |
| Total noninterest expense | $5,307,000 | 3,190 |
| Salaries and employee benefits | $2,151,000 | 4,052 |
| Premises and equipment expense | $537,000 | 4,067 |
| Additional noninterest expense | $2,619,000 | 2,027 |
| Pre-tax net operating income | $2,902,000 | 2,833 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,013,000 | 2,174 |
| Income before extraordinary items | $1,889,000 | 3,218 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,889,000 | 3,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 1,307 |
| Cash dividends | $1,578,000 | 1,869 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,116 |
| Net operating income | $1,889,000 | 3,206 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,038,000 | 3,054 |
| Total interest expense | $3,630,000 | 3,023 |
| Net interest income | $5,408,000 | 3,056 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $906,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $536,000 | 2,343 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $370,000 | 3,338 |
| Total noninterest expense | $3,966,000 | 3,194 |
| Salaries and employee benefits | $1,603,000 | 4,050 |
| Premises and equipment expense | $402,000 | 4,096 |
| Additional noninterest expense | $1,961,000 | 1,991 |
| Pre-tax net operating income | $2,213,000 | 2,911 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $779,000 | 2,241 |
| Income before extraordinary items | $1,434,000 | 3,301 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,434,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,047 |
| Cash dividends | $1,578,000 | 1,387 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 942 |
| Net operating income | $1,434,000 | 3,290 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,750,000 | 3,137 |
| Total interest expense | $2,195,000 | 3,148 |
| Net interest income | $3,555,000 | 3,091 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $568,000 | 3,233 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $334,000 | 2,442 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $234,000 | 3,446 |
| Total noninterest expense | $2,646,000 | 3,196 |
| Salaries and employee benefits | $1,058,000 | 4,096 |
| Premises and equipment expense | $267,000 | 4,108 |
| Additional noninterest expense | $1,321,000 | 1,983 |
| Pre-tax net operating income | $1,387,000 | 3,045 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $485,000 | 2,360 |
| Income before extraordinary items | $902,000 | 3,443 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $902,000 | 3,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 1,015 |
| Cash dividends | $678,000 | 1,935 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 804 |
| Net operating income | $902,000 | 3,437 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,723,000 | 3,225 |
| Total interest expense | $982,000 | 3,300 |
| Net interest income | $1,741,000 | 3,148 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $271,000 | 3,292 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $152,000 | 2,572 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $119,000 | 3,396 |
| Total noninterest expense | $1,319,000 | 3,219 |
| Salaries and employee benefits | $546,000 | 4,028 |
| Premises and equipment expense | $138,000 | 4,023 |
| Additional noninterest expense | $635,000 | 2,051 |
| Pre-tax net operating income | $648,000 | 3,146 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $226,000 | 2,433 |
| Income before extraordinary items | $422,000 | 3,550 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $422,000 | 3,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 1,365 |
| Cash dividends | $330,000 | 1,834 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 612 |
| Net operating income | $422,000 | 3,527 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,218,000 | 3,100 |
| Total interest expense | $2,974,000 | 3,355 |
| Net interest income | $7,244,000 | 2,962 |
| Provision for loan and lease losses | $225,000 | 3,375 |
| Total noninterest income | $1,266,000 | 3,019 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $696,000 | 2,361 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $570,000 | 3,152 |
| Total noninterest expense | $5,287,000 | 3,085 |
| Salaries and employee benefits | $2,144,000 | 3,921 |
| Premises and equipment expense | $718,000 | 3,170 |
| Additional noninterest expense | $2,425,000 | 2,067 |
| Pre-tax net operating income | $2,998,000 | 2,755 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,077,000 | 2,164 |
| Income before extraordinary items | $1,921,000 | 3,194 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,921,000 | 3,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,509 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,921,000 | 3,161 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,534,000 | 3,094 |
| Total interest expense | $2,074,000 | 3,412 |
| Net interest income | $5,460,000 | 2,932 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $1,024,000 | 2,863 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $537,000 | 2,303 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $487,000 | 2,932 |
| Total noninterest expense | $4,053,000 | 2,993 |
| Salaries and employee benefits | $1,640,000 | 3,846 |
| Premises and equipment expense | $572,000 | 3,002 |
| Additional noninterest expense | $1,841,000 | 2,023 |
| Pre-tax net operating income | $2,281,000 | 2,759 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $820,000 | 2,166 |
| Income before extraordinary items | $1,461,000 | 3,195 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,461,000 | 3,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,823 |
| Cash dividends | $725,000 | 2,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,461,000 | 3,156 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,906,000 | 3,089 |
| Total interest expense | $1,275,000 | 3,481 |
| Net interest income | $3,631,000 | 2,909 |
| Provision for loan and lease losses | $75,000 | 3,815 |
| Total noninterest income | $503,000 | 3,503 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $340,000 | 2,369 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $163,000 | 4,136 |
| Total noninterest expense | $2,615,000 | 3,066 |
| Salaries and employee benefits | $1,093,000 | 3,832 |
| Premises and equipment expense | $297,000 | 3,664 |
| Additional noninterest expense | $1,225,000 | 2,008 |
| Pre-tax net operating income | $1,444,000 | 2,841 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $520,000 | 2,220 |
| Income before extraordinary items | $924,000 | 3,282 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $924,000 | 3,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,937 |
| Cash dividends | $425,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $924,000 | 3,239 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,410,000 | 3,089 |
| Total interest expense | $626,000 | 3,401 |
| Net interest income | $1,784,000 | 2,936 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $262,000 | 3,363 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $156,000 | 2,474 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $106,000 | 3,615 |
| Total noninterest expense | $1,280,000 | 3,135 |
| Salaries and employee benefits | $543,000 | 3,838 |
| Premises and equipment expense | $143,000 | 3,777 |
| Additional noninterest expense | $594,000 | 2,065 |
| Pre-tax net operating income | $691,000 | 2,889 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $249,000 | 2,280 |
| Income before extraordinary items | $442,000 | 3,363 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $442,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,456 |
| Cash dividends | $175,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $442,000 | 3,329 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,235,000 | 3,038 |
| Total interest expense | $2,262,000 | 3,294 |
| Net interest income | $6,973,000 | 2,894 |
| Provision for loan and lease losses | $300,000 | 2,900 |
| Total noninterest income | $1,154,000 | 3,208 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $662,000 | 2,503 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $492,000 | 3,339 |
| Total noninterest expense | $5,448,000 | 2,881 |
| Salaries and employee benefits | $2,395,000 | 3,459 |
| Premises and equipment expense | $604,000 | 3,513 |
| Additional noninterest expense | $2,449,000 | 1,998 |
| Pre-tax net operating income | $2,379,000 | 3,122 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $871,000 | 2,384 |
| Income before extraordinary items | $1,508,000 | 3,625 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,508,000 | 3,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 2,121 |
| Cash dividends | $2,835,000 | 1,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,508,000 | 3,567 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,865,000 | 3,028 |
| Total interest expense | $1,660,000 | 3,305 |
| Net interest income | $5,205,000 | 2,888 |
| Provision for loan and lease losses | $270,000 | 2,429 |
| Total noninterest income | $879,000 | 3,194 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $501,000 | 2,493 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $378,000 | 3,297 |
| Total noninterest expense | $4,130,000 | 2,837 |
| Salaries and employee benefits | $1,823,000 | 3,395 |
| Premises and equipment expense | $478,000 | 3,380 |
| Additional noninterest expense | $1,829,000 | 1,967 |
| Pre-tax net operating income | $1,684,000 | 3,317 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $609,000 | 2,546 |
| Income before extraordinary items | $1,075,000 | 3,841 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,075,000 | 3,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 2,582 |
| Cash dividends | $2,535,000 | 797 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,075,000 | 3,757 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,486,000 | 3,057 |
| Total interest expense | $1,081,000 | 3,355 |
| Net interest income | $3,405,000 | 2,932 |
| Provision for loan and lease losses | $225,000 | 1,999 |
| Total noninterest income | $524,000 | 3,462 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $318,000 | 2,586 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $206,000 | 3,672 |
| Total noninterest expense | $2,704,000 | 2,885 |
| Salaries and employee benefits | $1,188,000 | 3,480 |
| Premises and equipment expense | $314,000 | 3,420 |
| Additional noninterest expense | $1,202,000 | 1,994 |
| Pre-tax net operating income | $1,000,000 | 3,532 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $355,000 | 2,778 |
| Income before extraordinary items | $645,000 | 4,039 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $645,000 | 4,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 1,940 |
| Cash dividends | $1,660,000 | 810 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $645,000 | 3,958 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,220,000 | 3,106 |
| Total interest expense | $545,000 | 3,381 |
| Net interest income | $1,675,000 | 2,966 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $236,000 | 3,649 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $159,000 | 2,549 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $77,000 | 4,245 |
| Total noninterest expense | $1,370,000 | 2,859 |
| Salaries and employee benefits | $615,000 | 3,389 |
| Premises and equipment expense | $157,000 | 3,456 |
| Additional noninterest expense | $598,000 | 1,979 |
| Pre-tax net operating income | $391,000 | 4,140 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $135,000 | 3,278 |
| Income before extraordinary items | $256,000 | 4,683 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $256,000 | 4,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,025 |
| Cash dividends | $200,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $256,000 | 4,557 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,522,000 | 2,969 |
| Total interest expense | $2,831,000 | 3,016 |
| Net interest income | $6,691,000 | 2,871 |
| Provision for loan and lease losses | $1,945,000 | 665 |
| Total noninterest income | $1,179,000 | 3,348 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $643,000 | 2,547 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $536,000 | 3,462 |
| Total noninterest expense | $5,229,000 | 2,947 |
| Salaries and employee benefits | $2,565,000 | 3,209 |
| Premises and equipment expense | $672,000 | 3,200 |
| Additional noninterest expense | $1,992,000 | 2,417 |
| Pre-tax net operating income | $696,000 | 6,025 |
| Securities gains (losses) | $155,000 | 1,534 |
| Applicable income taxes | $230,000 | 4,708 |
| Income before extraordinary items | $621,000 | 5,876 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $621,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,263,000 | 505 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $507,850 | 6,147 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,320,000 | 2,935 |
| Total interest expense | $2,246,000 | 2,957 |
| Net interest income | $5,074,000 | 2,851 |
| Provision for loan and lease losses | $1,795,000 | 573 |
| Total noninterest income | $947,000 | 3,245 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $452,000 | 2,694 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $495,000 | 3,156 |
| Total noninterest expense | $4,068,000 | 2,860 |
| Salaries and employee benefits | $1,941,000 | 3,179 |
| Premises and equipment expense | $480,000 | 3,326 |
| Additional noninterest expense | $1,647,000 | 2,177 |
| Pre-tax net operating income | $158,000 | 7,931 |
| Securities gains (losses) | $155,000 | 1,398 |
| Applicable income taxes | $31,000 | 6,549 |
| Income before extraordinary items | $282,000 | 7,050 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $282,000 | 7,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,248,000 | 401 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $142,500 | 7,816 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,030,000 | 2,874 |
| Total interest expense | $1,600,000 | 2,872 |
| Net interest income | $3,430,000 | 2,816 |
| Provision for loan and lease losses | $975,000 | 651 |
| Total noninterest income | $672,000 | 3,098 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $287,000 | 2,748 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $385,000 | 2,854 |
| Total noninterest expense | $2,940,000 | 2,651 |
| Salaries and employee benefits | $1,252,000 | 3,269 |
| Premises and equipment expense | $327,000 | 3,261 |
| Additional noninterest expense | $1,361,000 | 1,765 |
| Pre-tax net operating income | $187,000 | 7,313 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $186,000 | 7,096 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $186,000 | 7,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $913,000 | 555 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $186,000 | 6,910 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,615,000 | 2,788 |
| Total interest expense | $837,000 | 2,822 |
| Net interest income | $1,778,000 | 2,727 |
| Provision for loan and lease losses | $375,000 | 770 |
| Total noninterest income | $212,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $129,000 | 2,921 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $83,000 | 4,275 |
| Total noninterest expense | $1,475,000 | 2,627 |
| Salaries and employee benefits | $648,000 | 3,147 |
| Premises and equipment expense | $167,000 | 3,194 |
| Additional noninterest expense | $660,000 | 1,781 |
| Pre-tax net operating income | $140,000 | 6,602 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $20,000 | 6,071 |
| Income before extraordinary items | $120,000 | 6,547 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $120,000 | 6,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $513,000 | 491 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $120,000 | 6,380 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,204,000 | 2,716 |
| Total interest expense | $3,471,000 | 3,131 |
| Net interest income | $7,733,000 | 2,476 |
| Provision for loan and lease losses | $1,910,000 | 772 |
| Total noninterest income | $931,000 | 3,637 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $671,000 | 2,329 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $255,000 | 4,582 |
| Total noninterest expense | $5,179,000 | 2,840 |
| Salaries and employee benefits | $2,342,000 | 3,301 |
| Premises and equipment expense | $721,000 | 2,928 |
| Additional noninterest expense | $2,116,000 | 2,193 |
| Pre-tax net operating income | $1,575,000 | 3,981 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $511,000 | 3,401 |
| Income before extraordinary items | $1,064,000 | 4,422 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,064,000 | 4,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,211,000 | 535 |
| Cash dividends | $260,000 | 4,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,064,000 | 4,314 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,028,000 | 4,936 |
| Total interest expense | $2,320,000 | 5,632 |
| Net interest income | $3,708,000 | 4,377 |
| Provision for loan and lease losses | $210,000 | 4,019 |
| Total noninterest income | $562,000 | 4,753 |
| Gross Fiduciary activities income | $2,000 | 1,637 |
| Service charges on deposit accounts | $299,000 | 4,171 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $261,000 | 4,403 |
| Total noninterest expense | $2,602,000 | 4,827 |
| Salaries and employee benefits | $1,198,000 | 5,331 |
| Premises and equipment expense | $363,000 | 4,913 |
| Additional noninterest expense | $1,041,000 | 3,927 |
| Pre-tax net operating income | $1,458,000 | 3,931 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $544,000 | 3,171 |
| Income before extraordinary items | $914,000 | 4,521 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $914,000 | 4,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,402 |
| Cash dividends | $6,000,000 | 528 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $914,000 | 4,412 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,451,000 | 2,588 |
| Total interest expense | $5,905,000 | 2,829 |
| Net interest income | $7,546,000 | 2,358 |
| Provision for loan and lease losses | $410,000 | 2,238 |
| Total noninterest income | $874,000 | 3,459 |
| Gross Fiduciary activities income | $31,000 | 1,105 |
| Service charges on deposit accounts | $490,000 | 2,747 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $353,000 | 3,605 |
| Total noninterest expense | $4,464,000 | 3,019 |
| Salaries and employee benefits | $2,363,000 | 2,977 |
| Premises and equipment expense | $699,000 | 2,888 |
| Additional noninterest expense | $1,402,000 | 2,981 |
| Pre-tax net operating income | $3,546,000 | 2,059 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,306,000 | 1,694 |
| Income before extraordinary items | $2,240,000 | 2,300 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,240,000 | 2,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,496 |
| Cash dividends | $889,000 | 2,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,240,000 | 2,309 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,713,000 | 2,761 |
| Total interest expense | $4,815,000 | 3,039 |
| Net interest income | $6,898,000 | 2,544 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $871,000 | 3,419 |
| Gross Fiduciary activities income | $17,000 | 1,220 |
| Service charges on deposit accounts | $415,000 | 3,126 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $439,000 | 3,215 |
| Total noninterest expense | $4,167,000 | 3,193 |
| Salaries and employee benefits | $2,270,000 | 3,064 |
| Premises and equipment expense | $587,000 | 3,326 |
| Additional noninterest expense | $1,310,000 | 3,197 |
| Pre-tax net operating income | $3,302,000 | 2,217 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,228,000 | 1,877 |
| Income before extraordinary items | $2,074,000 | 2,496 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,074,000 | 2,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 1,929 |
| Cash dividends | $861,000 | 2,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,074,000 | 2,453 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,147,000 | 2,893 |
| Total interest expense | $4,727,000 | 3,159 |
| Net interest income | $6,420,000 | 2,673 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $800,000 | 3,628 |
| Gross Fiduciary activities income | $14,000 | 1,254 |
| Service charges on deposit accounts | $399,000 | 3,139 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $387,000 | 3,498 |
| Total noninterest expense | $3,950,000 | 3,232 |
| Salaries and employee benefits | $2,133,000 | 3,145 |
| Premises and equipment expense | $514,000 | 3,613 |
| Additional noninterest expense | $1,303,000 | 3,126 |
| Pre-tax net operating income | $2,970,000 | 2,403 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,111,000 | 2,122 |
| Income before extraordinary items | $1,859,000 | 2,726 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,859,000 | 2,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,066 |
| Cash dividends | $834,000 | 2,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,859,000 | 2,654 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,609,000 | 3,053 |
| Total interest expense | $4,348,000 | 3,391 |
| Net interest income | $6,261,000 | 2,790 |
| Provision for loan and lease losses | $434,000 | 1,975 |
| Total noninterest income | $919,000 | 3,262 |
| Gross Fiduciary activities income | $13,000 | 1,317 |
| Service charges on deposit accounts | $401,000 | 3,219 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $505,000 | 2,804 |
| Total noninterest expense | $3,636,000 | 3,488 |
| Salaries and employee benefits | $2,048,000 | 3,234 |
| Premises and equipment expense | $433,000 | 4,167 |
| Additional noninterest expense | $1,155,000 | 3,456 |
| Pre-tax net operating income | $3,110,000 | 2,410 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,174,000 | 2,121 |
| Income before extraordinary items | $1,936,000 | 2,657 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,936,000 | 2,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $585,000 | 1,184 |
| Cash dividends | $802,000 | 2,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,936,000 | 2,615 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,391,000 | 3,166 |
| Total interest expense | $4,342,000 | 3,439 |
| Net interest income | $6,049,000 | 2,933 |
| Provision for loan and lease losses | $133,000 | 4,377 |
| Total noninterest income | $608,000 | 4,535 |
| Gross Fiduciary activities income | $18,000 | 1,360 |
| Service charges on deposit accounts | $372,000 | 3,554 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $218,000 | 4,938 |
| Total noninterest expense | $3,503,000 | 3,770 |
| Salaries and employee benefits | $1,907,000 | 3,483 |
| Premises and equipment expense | $448,000 | 4,127 |
| Additional noninterest expense | $1,148,000 | 3,921 |
| Pre-tax net operating income | $3,021,000 | 2,360 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,159,000 | 2,064 |
| Income before extraordinary items | $1,862,000 | 2,609 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,862,000 | 2,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,930 |
| Cash dividends | $776,000 | 2,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,862,000 | 2,576 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,828,000 | 3,335 |
| Total interest expense | $3,991,000 | 3,687 |
| Net interest income | $5,837,000 | 3,046 |
| Provision for loan and lease losses | $105,000 | 4,483 |
| Total noninterest income | $597,000 | 4,585 |
| Gross Fiduciary activities income | $24,000 | 1,388 |
| Service charges on deposit accounts | $376,000 | 3,553 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $197,000 | 5,176 |
| Total noninterest expense | $3,278,000 | 3,975 |
| Salaries and employee benefits | $1,886,000 | 3,500 |
| Premises and equipment expense | $368,000 | 4,852 |
| Additional noninterest expense | $1,024,000 | 4,268 |
| Pre-tax net operating income | $3,051,000 | 2,398 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,151,000 | 2,099 |
| Income before extraordinary items | $1,900,000 | 2,626 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,900,000 | 2,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,456 |
| Cash dividends | $556,000 | 3,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,900,000 | 2,596 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,475,000 | 3,537 |
| Total interest expense | $3,198,000 | 3,738 |
| Net interest income | $5,277,000 | 3,394 |
| Provision for loan and lease losses | $475,000 | 1,606 |
| Total noninterest income | $1,019,000 | 3,075 |
| Gross Fiduciary activities income | $14,000 | 1,449 |
| Service charges on deposit accounts | $382,000 | 3,539 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $623,000 | 2,517 |
| Total noninterest expense | $3,437,000 | 3,907 |
| Salaries and employee benefits | $1,823,000 | 3,577 |
| Premises and equipment expense | $389,000 | 4,698 |
| Additional noninterest expense | $1,225,000 | 3,985 |
| Pre-tax net operating income | $2,384,000 | 2,958 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $876,000 | 2,559 |
| Income before extraordinary items | $1,508,000 | 3,156 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,508,000 | 3,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,123 |
| Cash dividends | $530,000 | 3,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,508,000 | 3,179 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,197,000 | 3,727 |
| Total interest expense | $3,270,000 | 3,816 |
| Net interest income | $4,927,000 | 3,617 |
| Provision for loan and lease losses | $237,000 | 3,562 |
| Total noninterest income | $567,000 | 5,152 |
| Gross Fiduciary activities income | $14,000 | 1,473 |
| Service charges on deposit accounts | $383,000 | 3,591 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $170,000 | 6,167 |
| Total noninterest expense | $3,396,000 | 4,024 |
| Salaries and employee benefits | $1,809,000 | 3,596 |
| Premises and equipment expense | $340,000 | 5,343 |
| Additional noninterest expense | $1,247,000 | 4,054 |
| Pre-tax net operating income | $1,861,000 | 3,564 |
| Securities gains (losses) | $355,000 | 1,145 |
| Applicable income taxes | $794,000 | 2,774 |
| Income before extraordinary items | $1,422,000 | 3,400 |
| Extraordinary gains, net | $-29,000 | 12,546 |
| Net income | $1,393,000 | 3,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 2,391 |
| Cash dividends | $465,000 | 3,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,194,800 | 3,826 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,735,000 | 3,960 |
| Total interest expense | $4,006,000 | 4,072 |
| Net interest income | $4,729,000 | 3,828 |
| Provision for loan and lease losses | $140,000 | 6,292 |
| Total noninterest income | $459,000 | 5,991 |
| Gross Fiduciary activities income | $25,000 | 1,465 |
| Service charges on deposit accounts | $302,000 | 4,410 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $132,000 | 7,114 |
| Total noninterest expense | $3,235,000 | 4,225 |
| Salaries and employee benefits | $1,664,000 | 3,859 |
| Premises and equipment expense | $333,000 | 5,565 |
| Additional noninterest expense | $1,238,000 | 4,229 |
| Pre-tax net operating income | $1,813,000 | 3,407 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $590,000 | 3,476 |
| Income before extraordinary items | $1,228,000 | 3,721 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,228,000 | 3,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 5,646 |
| Cash dividends | $386,000 | 3,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,224,600 | 3,465 |
* 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.