Home > Frontier Trust Company, FSB > Income and Expense
Frontier Trust Company, FSB, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $202,000 | 8,536 |
| Total interest expense | $12,000 | 8,551 |
| Net interest income | $190,000 | 8,479 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $2,859,000 | 999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,859,000 | 630 |
| Total noninterest expense | $1,700,000 | 4,613 |
| Salaries and employee benefits | $1,195,000 | 3,875 |
| Premises and equipment expense | $189,000 | 5,193 |
| Additional noninterest expense | $316,000 | 5,977 |
| Pre-tax net operating income | $1,349,000 | 2,878 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $494,000 | 2,084 |
| Income before extraordinary items | $855,000 | 3,373 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $855,000 | 3,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $855,000 | 3,352 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $100,000 | 8,590 |
| Total interest expense | $6,000 | 8,585 |
| Net interest income | $94,000 | 8,540 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,492,000 | 956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,492,000 | 606 |
| Total noninterest expense | $662,000 | 5,444 |
| Salaries and employee benefits | $423,000 | 4,983 |
| Premises and equipment expense | $83,000 | 5,593 |
| Additional noninterest expense | $156,000 | 6,015 |
| Pre-tax net operating income | $924,000 | 2,301 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $344,000 | 1,696 |
| Income before extraordinary items | $580,000 | 2,706 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $580,000 | 2,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $580,000 | 2,695 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $476,000 | 8,550 |
| Total interest expense | $21,000 | 8,615 |
| Net interest income | $455,000 | 8,441 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $5,787,000 | 967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,787,000 | 608 |
| Total noninterest expense | $2,846,000 | 5,054 |
| Salaries and employee benefits | $1,869,000 | 4,500 |
| Premises and equipment expense | $325,000 | 5,530 |
| Additional noninterest expense | $652,000 | 5,839 |
| Pre-tax net operating income | $3,396,000 | 2,542 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,374,000 | 1,794 |
| Income before extraordinary items | $2,022,000 | 3,077 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,022,000 | 3,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $4,400,000 | 800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,022,000 | 3,068 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $375,000 | 8,598 |
| Total interest expense | $15,000 | 8,689 |
| Net interest income | $360,000 | 8,499 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $4,198,000 | 1,007 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,198,000 | 627 |
| Total noninterest expense | $1,947,000 | 5,343 |
| Salaries and employee benefits | $1,104,000 | 5,231 |
| Premises and equipment expense | $285,000 | 5,112 |
| Additional noninterest expense | $558,000 | 5,448 |
| Pre-tax net operating income | $2,611,000 | 2,569 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,005,000 | 1,884 |
| Income before extraordinary items | $1,606,000 | 3,050 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,606,000 | 3,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $4,400,000 | 586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,606,000 | 3,043 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $288,000 | 8,626 |
| Total interest expense | $9,000 | 8,728 |
| Net interest income | $279,000 | 8,502 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $2,801,000 | 1,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,801,000 | 622 |
| Total noninterest expense | $1,399,000 | 5,117 |
| Salaries and employee benefits | $739,000 | 5,234 |
| Premises and equipment expense | $174,000 | 5,339 |
| Additional noninterest expense | $486,000 | 4,579 |
| Pre-tax net operating income | $1,681,000 | 2,645 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $671,000 | 1,900 |
| Income before extraordinary items | $1,010,000 | 3,183 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,010,000 | 3,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $4,400,000 | 420 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,010,000 | 3,176 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $133,000 | 8,668 |
| Total interest expense | $3,000 | 8,758 |
| Net interest income | $130,000 | 8,551 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,489,000 | 937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,489,000 | 603 |
| Total noninterest expense | $813,000 | 4,643 |
| Salaries and employee benefits | $500,000 | 4,286 |
| Premises and equipment expense | $88,000 | 5,343 |
| Additional noninterest expense | $225,000 | 4,805 |
| Pre-tax net operating income | $806,000 | 2,693 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $343,000 | 1,834 |
| Income before extraordinary items | $463,000 | 3,351 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $463,000 | 3,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $463,000 | 3,329 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $611,000 | 8,576 |
| Total interest expense | $13,000 | 8,777 |
| Net interest income | $598,000 | 8,448 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $7,470,000 | 783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,470,000 | 517 |
| Total noninterest expense | $5,024,000 | 3,225 |
| Salaries and employee benefits | $2,905,000 | 3,057 |
| Premises and equipment expense | $566,000 | 3,835 |
| Additional noninterest expense | $1,553,000 | 3,138 |
| Pre-tax net operating income | $3,044,000 | 2,725 |
| Securities gains (losses) | $-40,000 | 8,100 |
| Applicable income taxes | $1,059,000 | 2,187 |
| Income before extraordinary items | $1,945,000 | 3,158 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,945,000 | 3,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $11,236,000 | 354 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,971,000 | 3,091 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $520,000 | 8,575 |
| Total interest expense | $9,000 | 8,803 |
| Net interest income | $511,000 | 8,399 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $5,586,000 | 788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,586,000 | 525 |
| Total noninterest expense | $3,825,000 | 3,158 |
| Salaries and employee benefits | $2,283,000 | 2,895 |
| Premises and equipment expense | $418,000 | 3,848 |
| Additional noninterest expense | $1,124,000 | 3,197 |
| Pre-tax net operating income | $2,272,000 | 2,770 |
| Securities gains (losses) | $-32,000 | 8,352 |
| Applicable income taxes | $856,000 | 2,104 |
| Income before extraordinary items | $1,384,000 | 3,336 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,384,000 | 3,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $11,236,000 | 271 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,404,480 | 3,253 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $408,000 | 8,520 |
| Total interest expense | $5,000 | 8,827 |
| Net interest income | $403,000 | 8,274 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $3,751,000 | 762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,751,000 | 510 |
| Total noninterest expense | $2,576,000 | 3,108 |
| Salaries and employee benefits | $1,572,000 | 2,801 |
| Premises and equipment expense | $290,000 | 3,711 |
| Additional noninterest expense | $714,000 | 3,316 |
| Pre-tax net operating income | $1,578,000 | 2,649 |
| Securities gains (losses) | $-16,000 | 8,304 |
| Applicable income taxes | $590,000 | 2,038 |
| Income before extraordinary items | $972,000 | 3,157 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $972,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $11,236,000 | 183 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $982,240 | 3,090 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $195,000 | 8,619 |
| Total interest expense | $2,000 | 8,901 |
| Net interest income | $193,000 | 8,394 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,927,000 | 732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,927,000 | 484 |
| Total noninterest expense | $1,356,000 | 2,979 |
| Salaries and employee benefits | $870,000 | 2,573 |
| Premises and equipment expense | $144,000 | 3,757 |
| Additional noninterest expense | $342,000 | 3,433 |
| Pre-tax net operating income | $764,000 | 2,665 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $272,000 | 2,130 |
| Income before extraordinary items | $492,000 | 3,087 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $492,000 | 3,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $492,000 | 3,048 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $681,000 | 8,652 |
| Total interest expense | $8,000 | 8,913 |
| Net interest income | $673,000 | 8,472 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $7,737,000 | 741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,737,000 | 491 |
| Total noninterest expense | $7,512,000 | 2,119 |
| Salaries and employee benefits | $3,607,000 | 2,412 |
| Premises and equipment expense | $542,000 | 3,832 |
| Additional noninterest expense | $3,363,000 | 1,474 |
| Pre-tax net operating income | $898,000 | 5,497 |
| Securities gains (losses) | $-17,000 | 8,347 |
| Applicable income taxes | $304,000 | 4,156 |
| Income before extraordinary items | $577,000 | 6,041 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $577,000 | 6,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $588,050 | 5,932 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $608,000 | 8,606 |
| Total interest expense | $6,000 | 8,958 |
| Net interest income | $602,000 | 8,343 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $5,887,000 | 742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,887,000 | 488 |
| Total noninterest expense | $4,666,000 | 2,525 |
| Salaries and employee benefits | $2,767,000 | 2,336 |
| Premises and equipment expense | $378,000 | 4,042 |
| Additional noninterest expense | $1,521,000 | 2,354 |
| Pre-tax net operating income | $1,823,000 | 3,109 |
| Securities gains (losses) | $-17,000 | 8,622 |
| Applicable income taxes | $669,000 | 2,394 |
| Income before extraordinary items | $1,137,000 | 3,680 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,137,000 | 3,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,147,880 | 3,592 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $358,000 | 8,736 |
| Total interest expense | $2,000 | 9,040 |
| Net interest income | $356,000 | 8,515 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,850,000 | 970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,850,000 | 625 |
| Total noninterest expense | $1,704,000 | 4,253 |
| Salaries and employee benefits | $951,000 | 4,132 |
| Premises and equipment expense | $128,000 | 6,144 |
| Additional noninterest expense | $625,000 | 3,624 |
| Pre-tax net operating income | $1,502,000 | 2,584 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $557,000 | 2,040 |
| Income before extraordinary items | $945,000 | 3,072 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $945,000 | 3,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $945,000 | 2,990 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $187,000 | 8,753 |
| Total interest expense | $1,000 | 9,077 |
| Net interest income | $186,000 | 8,506 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,468,000 | 929 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,468,000 | 598 |
| Total noninterest expense | $927,000 | 4,000 |
| Salaries and employee benefits | $487,000 | 4,094 |
| Premises and equipment expense | $68,000 | 5,967 |
| Additional noninterest expense | $372,000 | 3,116 |
| Pre-tax net operating income | $727,000 | 2,630 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $270,000 | 2,083 |
| Income before extraordinary items | $457,000 | 3,158 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $457,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $457,000 | 3,037 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $627,000 | 8,881 |
| Total interest expense | $7,000 | 9,124 |
| Net interest income | $620,000 | 8,666 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $5,485,000 | 1,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,485,000 | 708 |
| Total noninterest expense | $2,646,000 | 5,011 |
| Salaries and employee benefits | $1,559,000 | 4,732 |
| Premises and equipment expense | $218,000 | 6,561 |
| Additional noninterest expense | $869,000 | 4,764 |
| Pre-tax net operating income | $3,459,000 | 2,233 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,270,000 | 1,854 |
| Income before extraordinary items | $2,189,000 | 2,675 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,189,000 | 2,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,189,000 | 2,546 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $474,000 | 8,964 |
| Total interest expense | $6,000 | 9,177 |
| Net interest income | $468,000 | 8,733 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $3,808,000 | 1,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,808,000 | 781 |
| Total noninterest expense | $1,689,000 | 5,560 |
| Salaries and employee benefits | $1,111,000 | 4,870 |
| Premises and equipment expense | $137,000 | 7,013 |
| Additional noninterest expense | $441,000 | 6,046 |
| Pre-tax net operating income | $2,587,000 | 2,313 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $950,000 | 1,934 |
| Income before extraordinary items | $1,637,000 | 2,769 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,637,000 | 2,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,637,000 | 2,628 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $321,000 | 8,994 |
| Total interest expense | $5,000 | 9,211 |
| Net interest income | $316,000 | 8,758 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $2,519,000 | 1,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,519,000 | 783 |
| Total noninterest expense | $1,108,000 | 5,617 |
| Salaries and employee benefits | $713,000 | 5,007 |
| Premises and equipment expense | $82,000 | 7,238 |
| Additional noninterest expense | $313,000 | 5,836 |
| Pre-tax net operating income | $1,727,000 | 2,326 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $635,000 | 1,965 |
| Income before extraordinary items | $1,092,000 | 2,785 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,092,000 | 2,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,092,000 | 2,625 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $158,000 | 9,060 |
| Total interest expense | $3,000 | 9,250 |
| Net interest income | $155,000 | 8,817 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $1,305,000 | 1,086 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,305,000 | 733 |
| Total noninterest expense | $548,000 | 5,648 |
| Salaries and employee benefits | $352,000 | 5,058 |
| Premises and equipment expense | $38,000 | 7,422 |
| Additional noninterest expense | $158,000 | 5,757 |
| Pre-tax net operating income | $912,000 | 2,215 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $338,000 | 1,876 |
| Income before extraordinary items | $574,000 | 2,640 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $574,000 | 2,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $574,000 | 2,501 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $627,000 | 9,097 |
| Total interest expense | $14,000 | 9,291 |
| Net interest income | $613,000 | 8,871 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $5,535,000 | 954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,535,000 | 643 |
| Total noninterest expense | $2,011,000 | 5,854 |
| Salaries and employee benefits | $1,277,000 | 5,254 |
| Premises and equipment expense | $170,000 | 7,168 |
| Additional noninterest expense | $565,000 | 6,131 |
| Pre-tax net operating income | $4,136,000 | 1,935 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,534,000 | 1,621 |
| Income before extraordinary items | $2,602,000 | 2,275 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,602,000 | 2,275 |
| 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 | $2,602,000 | 2,209 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $552,000 | 9,408 |
| Total interest expense | $26,000 | 9,534 |
| Net interest income | $526,000 | 9,148 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $4,480,000 | 1,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,480,000 | 712 |
| Total noninterest expense | $2,172,000 | 5,431 |
| Salaries and employee benefits | $1,082,000 | 5,710 |
| Premises and equipment expense | $277,000 | 5,776 |
| Additional noninterest expense | $813,000 | 4,728 |
| Pre-tax net operating income | $2,834,000 | 2,399 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,239,000 | 1,764 |
| Income before extraordinary items | $1,595,000 | 3,078 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,595,000 | 3,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,595,000 | 2,984 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $416,000 | 9,739 |
| Total interest expense | $20,000 | 9,828 |
| Net interest income | $396,000 | 9,581 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $2,103,000 | 1,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,103,000 | 1,095 |
| Total noninterest expense | $1,098,000 | 7,747 |
| Salaries and employee benefits | $728,000 | 7,068 |
| Premises and equipment expense | $191,000 | 6,904 |
| Additional noninterest expense | $179,000 | 8,984 |
| Pre-tax net operating income | $1,401,000 | 4,262 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $529,000 | 3,356 |
| Income before extraordinary items | $872,000 | 4,776 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $872,000 | 4,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $872,000 | 4,783 |
* 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.