Home > Gainesville Bank & Trust > Income and Expense
Gainesville Bank & Trust, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,246,000 | 3,519 |
| Total interest expense | $2,266,000 | 3,434 |
| Net interest income | $2,980,000 | 3,506 |
| Provision for loan and lease losses | $623,000 | 1,659 |
| Total noninterest income | $1,069,000 | 2,132 |
| Gross Fiduciary activities income | $1,000 | 1,327 |
| Service charges on deposit accounts | $516,000 | 1,707 |
| Trading account gains and fees | $21,000 | 116 |
| Additional Noninterest Income | $531,000 | 2,144 |
| Total noninterest expense | $3,458,000 | 2,708 |
| Salaries and employee benefits | $1,946,000 | 2,632 |
| Premises and equipment expense | $334,000 | 3,658 |
| Additional noninterest expense | $1,178,000 | 2,391 |
| Pre-tax net operating income | $-32,000 | 7,051 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $60,000 | 3,909 |
| Income before extraordinary items | $-92,000 | 7,239 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-92,000 | 7,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,728 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-92,000 | 7,203 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,931,000 | 1,011 |
| Total interest expense | $5,077,000 | 905 |
| Net interest income | $4,854,000 | 1,127 |
| Provision for loan and lease losses | $4,027,000 | 251 |
| Total noninterest income | $1,148,000 | 1,196 |
| Gross Fiduciary activities income | $46,000 | 820 |
| Service charges on deposit accounts | $750,000 | 568 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $352,000 | 1,772 |
| Total noninterest expense | $4,494,000 | 1,077 |
| Salaries and employee benefits | $2,346,000 | 1,105 |
| Premises and equipment expense | $551,000 | 1,245 |
| Additional noninterest expense | $1,597,000 | 898 |
| Pre-tax net operating income | $-2,519,000 | 8,388 |
| Securities gains (losses) | $143,000 | 559 |
| Applicable income taxes | $-1,003,000 | 8,398 |
| Income before extraordinary items | $-1,373,000 | 8,354 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,373,000 | 8,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,665 |
| Cash dividends | $1,200,000 | 627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,464,520 | 8,351 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $47,521,000 | 882 |
| Total interest expense | $22,939,000 | 864 |
| Net interest income | $24,582,000 | 902 |
| Provision for loan and lease losses | $3,327,000 | 586 |
| Total noninterest income | $4,601,000 | 1,170 |
| Gross Fiduciary activities income | $381,000 | 653 |
| Service charges on deposit accounts | $2,873,000 | 606 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,347,000 | 1,809 |
| Total noninterest expense | $18,864,000 | 990 |
| Salaries and employee benefits | $10,619,000 | 938 |
| Premises and equipment expense | $2,180,000 | 1,216 |
| Additional noninterest expense | $6,065,000 | 930 |
| Pre-tax net operating income | $6,992,000 | 1,217 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,163,000 | 1,062 |
| Income before extraordinary items | $4,829,000 | 1,327 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,829,000 | 1,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,861,000 | 377 |
| Cash dividends | $3,760,000 | 974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,829,000 | 1,315 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $35,775,000 | 880 |
| Total interest expense | $17,129,000 | 864 |
| Net interest income | $18,646,000 | 884 |
| Provision for loan and lease losses | $1,843,000 | 553 |
| Total noninterest income | $3,453,000 | 1,161 |
| Gross Fiduciary activities income | $299,000 | 642 |
| Service charges on deposit accounts | $2,059,000 | 626 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,095,000 | 1,708 |
| Total noninterest expense | $14,048,000 | 989 |
| Salaries and employee benefits | $7,913,000 | 939 |
| Premises and equipment expense | $1,632,000 | 1,210 |
| Additional noninterest expense | $4,503,000 | 911 |
| Pre-tax net operating income | $6,208,000 | 1,106 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $2,029,000 | 950 |
| Income before extraordinary items | $4,178,000 | 1,233 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,178,000 | 1,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,570,000 | 474 |
| Cash dividends | $2,820,000 | 923 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,178,670 | 1,220 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,305,000 | 909 |
| Total interest expense | $11,089,000 | 893 |
| Net interest income | $12,216,000 | 921 |
| Provision for loan and lease losses | $261,000 | 1,733 |
| Total noninterest income | $2,073,000 | 1,297 |
| Gross Fiduciary activities income | $214,000 | 634 |
| Service charges on deposit accounts | $1,257,000 | 693 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $602,000 | 1,980 |
| Total noninterest expense | $9,210,000 | 1,022 |
| Salaries and employee benefits | $5,104,000 | 986 |
| Premises and equipment expense | $1,069,000 | 1,253 |
| Additional noninterest expense | $3,037,000 | 915 |
| Pre-tax net operating income | $4,818,000 | 994 |
| Securities gains (losses) | $-1,000 | 7,616 |
| Applicable income taxes | $1,642,000 | 853 |
| Income before extraordinary items | $3,175,000 | 1,130 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,175,000 | 1,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,441 |
| Cash dividends | $1,880,000 | 951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,175,660 | 1,108 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,466,000 | 922 |
| Total interest expense | $5,295,000 | 923 |
| Net interest income | $6,171,000 | 904 |
| Provision for loan and lease losses | $11,000 | 4,971 |
| Total noninterest income | $975,000 | 1,333 |
| Gross Fiduciary activities income | $102,000 | 652 |
| Service charges on deposit accounts | $557,000 | 757 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $316,000 | 1,879 |
| Total noninterest expense | $4,624,000 | 1,015 |
| Salaries and employee benefits | $2,523,000 | 1,005 |
| Premises and equipment expense | $539,000 | 1,250 |
| Additional noninterest expense | $1,562,000 | 881 |
| Pre-tax net operating income | $2,511,000 | 941 |
| Securities gains (losses) | $-1,000 | 7,986 |
| Applicable income taxes | $875,000 | 800 |
| Income before extraordinary items | $1,635,000 | 1,078 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,635,000 | 1,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,073 |
| Cash dividends | $940,000 | 860 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,635,650 | 1,063 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $46,215,000 | 826 |
| Total interest expense | $19,357,000 | 859 |
| Net interest income | $26,858,000 | 823 |
| Provision for loan and lease losses | $947,000 | 1,092 |
| Total noninterest income | $4,018,000 | 1,295 |
| Gross Fiduciary activities income | $289,000 | 725 |
| Service charges on deposit accounts | $2,655,000 | 657 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,074,000 | 2,114 |
| Total noninterest expense | $18,236,000 | 984 |
| Salaries and employee benefits | $10,118,000 | 951 |
| Premises and equipment expense | $2,229,000 | 1,148 |
| Additional noninterest expense | $5,889,000 | 904 |
| Pre-tax net operating income | $11,693,000 | 848 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $4,138,000 | 735 |
| Income before extraordinary items | $7,553,000 | 987 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,553,000 | 987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $867,000 | 777 |
| Cash dividends | $3,592,000 | 957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $7,554,300 | 979 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $33,808,000 | 856 |
| Total interest expense | $13,778,000 | 885 |
| Net interest income | $20,030,000 | 845 |
| Provision for loan and lease losses | $943,000 | 795 |
| Total noninterest income | $3,010,000 | 1,309 |
| Gross Fiduciary activities income | $215,000 | 719 |
| Service charges on deposit accounts | $1,990,000 | 662 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $805,000 | 2,120 |
| Total noninterest expense | $13,509,000 | 1,001 |
| Salaries and employee benefits | $7,547,000 | 972 |
| Premises and equipment expense | $1,623,000 | 1,196 |
| Additional noninterest expense | $4,339,000 | 915 |
| Pre-tax net operating income | $8,588,000 | 908 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,102,000 | 772 |
| Income before extraordinary items | $5,486,000 | 1,057 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,486,000 | 1,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $878,000 | 515 |
| Cash dividends | $3,592,000 | 712 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,486,000 | 1,046 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,833,000 | 864 |
| Total interest expense | $8,573,000 | 898 |
| Net interest income | $13,260,000 | 853 |
| Provision for loan and lease losses | $680,000 | 730 |
| Total noninterest income | $1,947,000 | 1,334 |
| Gross Fiduciary activities income | $146,000 | 720 |
| Service charges on deposit accounts | $1,317,000 | 654 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $484,000 | 2,260 |
| Total noninterest expense | $8,955,000 | 1,009 |
| Salaries and employee benefits | $5,016,000 | 977 |
| Premises and equipment expense | $1,049,000 | 1,232 |
| Additional noninterest expense | $2,890,000 | 930 |
| Pre-tax net operating income | $5,572,000 | 921 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,022,000 | 790 |
| Income before extraordinary items | $3,550,000 | 1,075 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,550,000 | 1,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $653,000 | 474 |
| Cash dividends | $3,592,000 | 497 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,550,000 | 1,063 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,529,000 | 880 |
| Total interest expense | $4,041,000 | 900 |
| Net interest income | $6,488,000 | 871 |
| Provision for loan and lease losses | $490,000 | 497 |
| Total noninterest income | $963,000 | 1,316 |
| Gross Fiduciary activities income | $74,000 | 732 |
| Service charges on deposit accounts | $650,000 | 638 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $239,000 | 2,249 |
| Total noninterest expense | $4,526,000 | 994 |
| Salaries and employee benefits | $2,591,000 | 943 |
| Premises and equipment expense | $520,000 | 1,249 |
| Additional noninterest expense | $1,415,000 | 944 |
| Pre-tax net operating income | $2,435,000 | 1,031 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $876,000 | 869 |
| Income before extraordinary items | $1,559,000 | 1,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,559,000 | 1,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 651 |
| Cash dividends | $898,000 | 836 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,559,000 | 1,174 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $38,183,000 | 852 |
| Total interest expense | $13,191,000 | 856 |
| Net interest income | $24,992,000 | 855 |
| Provision for loan and lease losses | $716,000 | 1,390 |
| Total noninterest income | $3,890,000 | 1,313 |
| Gross Fiduciary activities income | $269,000 | 744 |
| Service charges on deposit accounts | $2,613,000 | 661 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,008,000 | 2,205 |
| Total noninterest expense | $16,931,000 | 1,007 |
| Salaries and employee benefits | $9,278,000 | 985 |
| Premises and equipment expense | $2,065,000 | 1,192 |
| Additional noninterest expense | $5,588,000 | 926 |
| Pre-tax net operating income | $11,235,000 | 883 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,046,000 | 763 |
| Income before extraordinary items | $7,189,000 | 1,012 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,189,000 | 1,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $569,000 | 1,051 |
| Cash dividends | $2,400,000 | 1,272 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,189,000 | 993 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $27,727,000 | 857 |
| Total interest expense | $9,165,000 | 864 |
| Net interest income | $18,562,000 | 851 |
| Provision for loan and lease losses | $475,000 | 1,467 |
| Total noninterest income | $2,954,000 | 1,313 |
| Gross Fiduciary activities income | $208,000 | 720 |
| Service charges on deposit accounts | $1,970,000 | 654 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $776,000 | 2,170 |
| Total noninterest expense | $12,704,000 | 1,000 |
| Salaries and employee benefits | $7,006,000 | 973 |
| Premises and equipment expense | $1,525,000 | 1,192 |
| Additional noninterest expense | $4,173,000 | 913 |
| Pre-tax net operating income | $8,337,000 | 885 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,988,000 | 783 |
| Income before extraordinary items | $5,349,000 | 1,008 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,349,000 | 1,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $485,000 | 854 |
| Cash dividends | $1,800,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,349,000 | 994 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,900,000 | 867 |
| Total interest expense | $5,560,000 | 888 |
| Net interest income | $12,340,000 | 850 |
| Provision for loan and lease losses | $317,000 | 1,443 |
| Total noninterest income | $1,924,000 | 1,310 |
| Gross Fiduciary activities income | $128,000 | 734 |
| Service charges on deposit accounts | $1,271,000 | 663 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $525,000 | 2,115 |
| Total noninterest expense | $8,369,000 | 995 |
| Salaries and employee benefits | $4,606,000 | 975 |
| Premises and equipment expense | $1,026,000 | 1,169 |
| Additional noninterest expense | $2,737,000 | 917 |
| Pre-tax net operating income | $5,578,000 | 863 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,982,000 | 770 |
| Income before extraordinary items | $3,596,000 | 967 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,596,000 | 967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 723 |
| Cash dividends | $1,200,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,596,000 | 944 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,663,000 | 877 |
| Total interest expense | $2,541,000 | 920 |
| Net interest income | $6,122,000 | 844 |
| Provision for loan and lease losses | $158,000 | 1,344 |
| Total noninterest income | $907,000 | 1,357 |
| Gross Fiduciary activities income | $62,000 | 755 |
| Service charges on deposit accounts | $605,000 | 670 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $240,000 | 2,217 |
| Total noninterest expense | $4,202,000 | 991 |
| Salaries and employee benefits | $2,345,000 | 949 |
| Premises and equipment expense | $512,000 | 1,190 |
| Additional noninterest expense | $1,345,000 | 930 |
| Pre-tax net operating income | $2,669,000 | 887 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $910,000 | 823 |
| Income before extraordinary items | $1,759,000 | 985 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,759,000 | 986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 877 |
| Cash dividends | $600,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,759,000 | 965 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $26,108,000 | 1,087 |
| Total interest expense | $7,696,000 | 1,048 |
| Net interest income | $18,412,000 | 1,087 |
| Provision for loan and lease losses | $450,000 | 2,142 |
| Total noninterest income | $3,297,000 | 1,483 |
| Gross Fiduciary activities income | $230,000 | 760 |
| Service charges on deposit accounts | $2,153,000 | 812 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $914,000 | 2,281 |
| Total noninterest expense | $12,899,000 | 1,276 |
| Salaries and employee benefits | $6,859,000 | 1,281 |
| Premises and equipment expense | $1,603,000 | 1,438 |
| Additional noninterest expense | $4,437,000 | 1,105 |
| Pre-tax net operating income | $8,360,000 | 1,049 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $2,989,000 | 908 |
| Income before extraordinary items | $5,379,000 | 1,213 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,379,000 | 1,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,207 |
| Cash dividends | $1,500,000 | 1,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,373,880 | 1,187 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,690,000 | 1,172 |
| Total interest expense | $5,369,000 | 1,111 |
| Net interest income | $12,321,000 | 1,211 |
| Provision for loan and lease losses | $405,000 | 1,746 |
| Total noninterest income | $2,304,000 | 1,580 |
| Gross Fiduciary activities income | $173,000 | 756 |
| Service charges on deposit accounts | $1,506,000 | 867 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $625,000 | 2,444 |
| Total noninterest expense | $9,028,000 | 1,357 |
| Salaries and employee benefits | $4,746,000 | 1,398 |
| Premises and equipment expense | $1,140,000 | 1,522 |
| Additional noninterest expense | $3,142,000 | 1,163 |
| Pre-tax net operating income | $5,192,000 | 1,262 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $1,822,000 | 1,097 |
| Income before extraordinary items | $3,378,000 | 1,462 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,378,000 | 1,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 2,595 |
| Cash dividends | $1,125,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,372,800 | 1,417 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,640,000 | 1,301 |
| Total interest expense | $3,369,000 | 1,166 |
| Net interest income | $7,271,000 | 1,357 |
| Provision for loan and lease losses | $270,000 | 1,719 |
| Total noninterest income | $1,478,000 | 1,623 |
| Gross Fiduciary activities income | $118,000 | 757 |
| Service charges on deposit accounts | $938,000 | 920 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $422,000 | 2,428 |
| Total noninterest expense | $5,256,000 | 1,540 |
| Salaries and employee benefits | $2,843,000 | 1,554 |
| Premises and equipment expense | $683,000 | 1,692 |
| Additional noninterest expense | $1,730,000 | 1,398 |
| Pre-tax net operating income | $3,223,000 | 1,328 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $1,149,000 | 1,151 |
| Income before extraordinary items | $2,082,000 | 1,539 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,082,000 | 1,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,193 |
| Cash dividends | $750,000 | 1,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,076,880 | 1,487 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,296,000 | 1,314 |
| Total interest expense | $1,679,000 | 1,192 |
| Net interest income | $3,617,000 | 1,374 |
| Provision for loan and lease losses | $135,000 | 1,665 |
| Total noninterest income | $809,000 | 1,477 |
| Gross Fiduciary activities income | $52,000 | 792 |
| Service charges on deposit accounts | $462,000 | 904 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $295,000 | 1,907 |
| Total noninterest expense | $2,607,000 | 1,558 |
| Salaries and employee benefits | $1,445,000 | 1,544 |
| Premises and equipment expense | $339,000 | 1,714 |
| Additional noninterest expense | $823,000 | 1,462 |
| Pre-tax net operating income | $1,684,000 | 1,257 |
| Securities gains (losses) | $8,000 | 2,145 |
| Applicable income taxes | $612,000 | 1,106 |
| Income before extraordinary items | $1,080,000 | 1,487 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,080,000 | 1,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $375,000 | 1,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,074,880 | 1,410 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,226,000 | 1,335 |
| Total interest expense | $7,077,000 | 1,251 |
| Net interest income | $14,149,000 | 1,384 |
| Provision for loan and lease losses | $431,000 | 2,441 |
| Total noninterest income | $4,170,000 | 1,305 |
| Gross Fiduciary activities income | $150,000 | 875 |
| Service charges on deposit accounts | $1,760,000 | 980 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,260,000 | 1,341 |
| Total noninterest expense | $11,934,000 | 1,349 |
| Salaries and employee benefits | $6,578,000 | 1,307 |
| Premises and equipment expense | $2,096,000 | 1,088 |
| Additional noninterest expense | $3,260,000 | 1,516 |
| Pre-tax net operating income | $5,954,000 | 1,386 |
| Securities gains (losses) | $81,000 | 2,082 |
| Applicable income taxes | $1,967,000 | 1,306 |
| Income before extraordinary items | $4,068,000 | 1,541 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,068,000 | 1,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,316 |
| Cash dividends | $1,700,000 | 1,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,013,730 | 1,490 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,881,000 | 1,366 |
| Total interest expense | $5,462,000 | 1,272 |
| Net interest income | $10,419,000 | 1,413 |
| Provision for loan and lease losses | $353,000 | 2,247 |
| Total noninterest income | $3,291,000 | 1,295 |
| Gross Fiduciary activities income | $119,000 | 871 |
| Service charges on deposit accounts | $1,277,000 | 1,025 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,895,000 | 1,282 |
| Total noninterest expense | $9,024,000 | 1,353 |
| Salaries and employee benefits | $5,087,000 | 1,275 |
| Premises and equipment expense | $1,597,000 | 1,081 |
| Additional noninterest expense | $2,340,000 | 1,571 |
| Pre-tax net operating income | $4,333,000 | 1,473 |
| Securities gains (losses) | $81,000 | 1,929 |
| Applicable income taxes | $1,519,000 | 1,340 |
| Income before extraordinary items | $2,895,000 | 1,667 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,895,000 | 1,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,155 |
| Cash dividends | $1,275,000 | 1,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,841,540 | 1,605 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,534,000 | 1,389 |
| Total interest expense | $3,770,000 | 1,269 |
| Net interest income | $6,764,000 | 1,444 |
| Provision for loan and lease losses | $235,000 | 2,262 |
| Total noninterest income | $2,179,000 | 1,286 |
| Gross Fiduciary activities income | $75,000 | 883 |
| Service charges on deposit accounts | $820,000 | 1,051 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,284,000 | 1,265 |
| Total noninterest expense | $5,945,000 | 1,360 |
| Salaries and employee benefits | $3,352,000 | 1,290 |
| Premises and equipment expense | $1,044,000 | 1,095 |
| Additional noninterest expense | $1,549,000 | 1,567 |
| Pre-tax net operating income | $2,763,000 | 1,520 |
| Securities gains (losses) | $24,000 | 2,506 |
| Applicable income taxes | $950,000 | 1,425 |
| Income before extraordinary items | $1,837,000 | 1,765 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,837,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $850,000 | 1,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,821,160 | 1,658 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,237,000 | 1,411 |
| Total interest expense | $1,925,000 | 1,269 |
| Net interest income | $3,312,000 | 1,468 |
| Provision for loan and lease losses | $118,000 | 2,130 |
| Total noninterest income | $1,106,000 | 1,250 |
| Gross Fiduciary activities income | $36,000 | 899 |
| Service charges on deposit accounts | $390,000 | 1,065 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $680,000 | 1,186 |
| Total noninterest expense | $2,883,000 | 1,396 |
| Salaries and employee benefits | $1,624,000 | 1,337 |
| Premises and equipment expense | $519,000 | 1,117 |
| Additional noninterest expense | $740,000 | 1,595 |
| Pre-tax net operating income | $1,417,000 | 1,496 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $483,000 | 1,413 |
| Income before extraordinary items | $934,000 | 1,709 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $934,000 | 1,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $425,000 | 1,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $934,000 | 1,599 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,003,000 | 1,396 |
| Total interest expense | $9,097,000 | 1,239 |
| Net interest income | $12,906,000 | 1,504 |
| Provision for loan and lease losses | $420,000 | 2,722 |
| Total noninterest income | $3,533,000 | 1,370 |
| Gross Fiduciary activities income | $142,000 | 916 |
| Service charges on deposit accounts | $1,455,000 | 1,106 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,936,000 | 1,344 |
| Total noninterest expense | $10,997,000 | 1,406 |
| Salaries and employee benefits | $6,537,000 | 1,236 |
| Premises and equipment expense | $1,957,000 | 1,123 |
| Additional noninterest expense | $2,503,000 | 1,854 |
| Pre-tax net operating income | $5,022,000 | 1,624 |
| Securities gains (losses) | $142,000 | 1,429 |
| Applicable income taxes | $1,747,000 | 1,446 |
| Income before extraordinary items | $3,417,000 | 1,753 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,417,000 | 1,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,467 |
| Cash dividends | $900,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,323,280 | 1,742 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,335,000 | 1,396 |
| Total interest expense | $13,095,000 | 1,236 |
| Net interest income | $11,240,000 | 1,581 |
| Provision for loan and lease losses | $415,000 | 2,548 |
| Total noninterest income | $2,636,000 | 1,625 |
| Gross Fiduciary activities income | $127,000 | 940 |
| Service charges on deposit accounts | $1,187,000 | 1,259 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,322,000 | 1,686 |
| Total noninterest expense | $8,909,000 | 1,639 |
| Salaries and employee benefits | $5,192,000 | 1,466 |
| Premises and equipment expense | $1,668,000 | 1,282 |
| Additional noninterest expense | $2,049,000 | 2,193 |
| Pre-tax net operating income | $4,552,000 | 1,575 |
| Securities gains (losses) | $38,000 | 2,612 |
| Applicable income taxes | $1,556,000 | 1,450 |
| Income before extraordinary items | $3,034,000 | 1,735 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,034,000 | 1,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,389 |
| Cash dividends | $900,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,008,920 | 1,676 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,953,000 | 1,450 |
| Total interest expense | $13,107,000 | 1,328 |
| Net interest income | $10,846,000 | 1,615 |
| Provision for loan and lease losses | $378,000 | 2,382 |
| Total noninterest income | $1,569,000 | 2,271 |
| Gross Fiduciary activities income | $123,000 | 896 |
| Service charges on deposit accounts | $827,000 | 1,677 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $619,000 | 2,588 |
| Total noninterest expense | $7,492,000 | 1,857 |
| Salaries and employee benefits | $4,370,000 | 1,631 |
| Premises and equipment expense | $1,300,000 | 1,597 |
| Additional noninterest expense | $1,822,000 | 2,363 |
| Pre-tax net operating income | $4,545,000 | 1,618 |
| Securities gains (losses) | $-12,000 | 8,439 |
| Applicable income taxes | $1,503,000 | 1,512 |
| Income before extraordinary items | $3,030,000 | 1,737 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,030,000 | 1,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 9,681 |
| Cash dividends | $1,025,000 | 2,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,038,040 | 1,724 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,456,000 | 1,761 |
| Total interest expense | $8,949,000 | 1,674 |
| Net interest income | $9,507,000 | 1,836 |
| Provision for loan and lease losses | $520,000 | 1,712 |
| Total noninterest income | $1,415,000 | 2,381 |
| Gross Fiduciary activities income | $100,000 | 993 |
| Service charges on deposit accounts | $677,000 | 1,966 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $638,000 | 2,530 |
| Total noninterest expense | $6,847,000 | 1,994 |
| Salaries and employee benefits | $3,868,000 | 1,797 |
| Premises and equipment expense | $1,135,000 | 1,799 |
| Additional noninterest expense | $1,844,000 | 2,363 |
| Pre-tax net operating income | $3,555,000 | 2,052 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $1,169,000 | 1,968 |
| Income before extraordinary items | $2,384,000 | 2,199 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,384,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,193 |
| Cash dividends | $834,000 | 2,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,385,340 | 2,164 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,394,000 | 2,117 |
| Total interest expense | $7,679,000 | 1,990 |
| Net interest income | $7,715,000 | 2,214 |
| Provision for loan and lease losses | $378,000 | 2,161 |
| Total noninterest income | $1,489,000 | 2,280 |
| Gross Fiduciary activities income | $45,000 | 1,128 |
| Service charges on deposit accounts | $573,000 | 2,242 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $871,000 | 2,049 |
| Total noninterest expense | $6,278,000 | 2,093 |
| Salaries and employee benefits | $3,461,000 | 1,917 |
| Premises and equipment expense | $1,048,000 | 1,889 |
| Additional noninterest expense | $1,769,000 | 2,359 |
| Pre-tax net operating income | $2,548,000 | 2,734 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $799,000 | 2,749 |
| Income before extraordinary items | $1,749,000 | 2,859 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,749,000 | 2,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,401 |
| Cash dividends | $843,000 | 2,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,749,000 | 2,773 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,303,000 | 2,465 |
| Total interest expense | $6,531,000 | 2,298 |
| Net interest income | $6,772,000 | 2,567 |
| Provision for loan and lease losses | $348,000 | 2,341 |
| Total noninterest income | $990,000 | 3,061 |
| Gross Fiduciary activities income | $4,000 | 1,385 |
| Service charges on deposit accounts | $508,000 | 2,583 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $478,000 | 2,912 |
| Total noninterest expense | $4,809,000 | 2,666 |
| Salaries and employee benefits | $2,698,000 | 2,462 |
| Premises and equipment expense | $804,000 | 2,411 |
| Additional noninterest expense | $1,307,000 | 3,101 |
| Pre-tax net operating income | $2,605,000 | 2,813 |
| Securities gains (losses) | $-16,000 | 10,264 |
| Applicable income taxes | $886,000 | 2,695 |
| Income before extraordinary items | $1,703,000 | 2,986 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,703,000 | 2,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,790 |
| Cash dividends | $385,000 | 4,063 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 948 |
| Net operating income | $1,713,560 | 2,914 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,724,000 | 3,064 |
| Total interest expense | $4,820,000 | 3,101 |
| Net interest income | $5,904,000 | 3,004 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $622,000 | 4,466 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $457,000 | 2,953 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $165,000 | 5,697 |
| Total noninterest expense | $3,661,000 | 3,616 |
| Salaries and employee benefits | $1,970,000 | 3,378 |
| Premises and equipment expense | $616,000 | 3,127 |
| Additional noninterest expense | $1,075,000 | 4,151 |
| Pre-tax net operating income | $2,715,000 | 2,574 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $977,000 | 2,402 |
| Income before extraordinary items | $1,738,000 | 2,801 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,738,000 | 2,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 7,019 |
| Cash dividends | $318,000 | 4,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,738,000 | 2,758 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,603,000 | 3,405 |
| Total interest expense | $4,614,000 | 3,247 |
| Net interest income | $4,989,000 | 3,543 |
| Provision for loan and lease losses | $270,000 | 2,431 |
| Total noninterest income | $719,000 | 3,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $477,000 | 2,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $242,000 | 4,569 |
| Total noninterest expense | $3,153,000 | 4,102 |
| Salaries and employee benefits | $1,563,000 | 4,138 |
| Premises and equipment expense | $579,000 | 3,303 |
| Additional noninterest expense | $1,011,000 | 4,313 |
| Pre-tax net operating income | $2,285,000 | 3,104 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $828,000 | 2,795 |
| Income before extraordinary items | $1,457,000 | 3,329 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,457,000 | 3,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,898 |
| Cash dividends | $251,000 | 4,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,457,000 | 3,306 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,399,000 | 4,016 |
| Total interest expense | $3,056,000 | 3,896 |
| Net interest income | $4,343,000 | 4,057 |
| Provision for loan and lease losses | $218,000 | 2,878 |
| Total noninterest income | $547,000 | 4,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $430,000 | 3,163 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 7,005 |
| Total noninterest expense | $3,030,000 | 4,366 |
| Salaries and employee benefits | $1,431,000 | 4,466 |
| Premises and equipment expense | $554,000 | 3,495 |
| Additional noninterest expense | $1,045,000 | 4,541 |
| Pre-tax net operating income | $1,642,000 | 4,076 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $567,000 | 3,673 |
| Income before extraordinary items | $1,075,000 | 4,259 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,075,000 | 4,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,634 |
| Cash dividends | $209,000 | 5,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,075,000 | 4,314 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,023,000 | 4,932 |
| Total interest expense | $2,591,000 | 4,660 |
| Net interest income | $3,432,000 | 5,042 |
| Provision for loan and lease losses | $245,000 | 3,439 |
| Total noninterest income | $471,000 | 5,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,604 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,232 |
| Total noninterest expense | $2,818,000 | 4,764 |
| Salaries and employee benefits | $1,286,000 | 4,932 |
| Premises and equipment expense | $489,000 | 3,942 |
| Additional noninterest expense | $1,043,000 | 4,747 |
| Pre-tax net operating income | $840,000 | 6,621 |
| Securities gains (losses) | $36,000 | 3,866 |
| Applicable income taxes | $300,000 | 6,085 |
| Income before extraordinary items | $576,000 | 6,970 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $576,000 | 7,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,900 |
| Cash dividends | $126,000 | 6,430 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 866 |
| Net operating income | $552,240 | 6,870 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,292,000 | 6,094 |
| Total interest expense | $2,492,000 | 6,014 |
| Net interest income | $2,800,000 | 6,050 |
| Provision for loan and lease losses | $302,000 | 4,094 |
| Total noninterest income | $396,000 | 6,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $319,000 | 4,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,979 |
| Total noninterest expense | $2,431,000 | 5,434 |
| Salaries and employee benefits | $1,075,000 | 5,679 |
| Premises and equipment expense | $484,000 | 4,085 |
| Additional noninterest expense | $872,000 | 5,666 |
| Pre-tax net operating income | $463,000 | 8,694 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $157,000 | 8,451 |
| Income before extraordinary items | $306,000 | 9,233 |
| Extraordinary gains, net | $107,000 | 717 |
| Net income | $413,000 | 8,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 7,838 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $306,000 | 8,863 |
* 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.