Home > Glacier Bank of Whitefish > Income and Expense
Glacier Bank of Whitefish, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 3,017 |
| Total interest expense | $1,082,000 | 3,710 |
| Net interest income | $2,142,000 | 2,541 |
| Provision for loan and lease losses | $250,000 | 1,575 |
| Total noninterest income | $502,000 | 2,232 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $200,000 | 2,084 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $302,000 | 1,962 |
| Total noninterest expense | $1,344,000 | 3,385 |
| Salaries and employee benefits | $614,000 | 3,903 |
| Premises and equipment expense | $141,000 | 4,177 |
| Additional noninterest expense | $589,000 | 2,354 |
| Pre-tax net operating income | $1,050,000 | 1,710 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $385,000 | 1,229 |
| Income before extraordinary items | $665,000 | 2,116 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $665,000 | 2,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,549 |
| Cash dividends | $300,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 450 |
| Net operating income | $665,000 | 2,054 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,664,000 | 3,141 |
| Total interest expense | $5,216,000 | 3,359 |
| Net interest income | $7,448,000 | 2,934 |
| Provision for loan and lease losses | $180,000 | 4,023 |
| Total noninterest income | $1,726,000 | 2,457 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,163,000 | 1,548 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $563,000 | 3,117 |
| Total noninterest expense | $4,405,000 | 3,821 |
| Salaries and employee benefits | $2,037,000 | 4,335 |
| Premises and equipment expense | $415,000 | 4,907 |
| Additional noninterest expense | $1,953,000 | 2,718 |
| Pre-tax net operating income | $4,589,000 | 1,772 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,652,000 | 1,314 |
| Income before extraordinary items | $2,937,000 | 2,085 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,937,000 | 2,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,799 |
| Cash dividends | $1,200,000 | 2,329 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 860 |
| Net operating income | $2,937,000 | 2,070 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,378,000 | 3,171 |
| Total interest expense | $3,915,000 | 3,355 |
| Net interest income | $5,463,000 | 2,992 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $1,253,000 | 2,514 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $853,000 | 1,546 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $400,000 | 3,207 |
| Total noninterest expense | $3,311,000 | 3,801 |
| Salaries and employee benefits | $1,565,000 | 4,245 |
| Premises and equipment expense | $310,000 | 4,913 |
| Additional noninterest expense | $1,436,000 | 2,717 |
| Pre-tax net operating income | $3,270,000 | 1,954 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,202,000 | 1,443 |
| Income before extraordinary items | $2,068,000 | 2,314 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,068,000 | 2,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,931 |
| Cash dividends | $900,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 674 |
| Net operating income | $2,068,000 | 2,295 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,148,000 | 3,227 |
| Total interest expense | $2,546,000 | 3,411 |
| Net interest income | $3,602,000 | 3,051 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $803,000 | 2,599 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $546,000 | 1,613 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $257,000 | 3,292 |
| Total noninterest expense | $2,210,000 | 3,817 |
| Salaries and employee benefits | $1,030,000 | 4,327 |
| Premises and equipment expense | $213,000 | 4,833 |
| Additional noninterest expense | $967,000 | 2,703 |
| Pre-tax net operating income | $2,105,000 | 2,069 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $772,000 | 1,526 |
| Income before extraordinary items | $1,333,000 | 2,428 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,333,000 | 2,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $600,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 585 |
| Net operating income | $1,333,000 | 2,411 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,006,000 | 3,283 |
| Total interest expense | $1,237,000 | 3,458 |
| Net interest income | $1,769,000 | 3,088 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $409,000 | 2,524 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $262,000 | 1,639 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $147,000 | 3,058 |
| Total noninterest expense | $1,101,000 | 3,829 |
| Salaries and employee benefits | $504,000 | 4,412 |
| Premises and equipment expense | $108,000 | 4,816 |
| Additional noninterest expense | $489,000 | 2,667 |
| Pre-tax net operating income | $1,032,000 | 2,110 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $378,000 | 1,582 |
| Income before extraordinary items | $654,000 | 2,459 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $654,000 | 2,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $300,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 487 |
| Net operating income | $654,000 | 2,436 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,561,000 | 3,200 |
| Total interest expense | $4,497,000 | 3,293 |
| Net interest income | $7,064,000 | 3,082 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $1,536,000 | 2,658 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,011,000 | 1,735 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $525,000 | 3,248 |
| Total noninterest expense | $3,991,000 | 4,008 |
| Salaries and employee benefits | $1,725,000 | 4,756 |
| Premises and equipment expense | $395,000 | 4,950 |
| Additional noninterest expense | $1,871,000 | 2,720 |
| Pre-tax net operating income | $4,429,000 | 2,076 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,476,000 | 1,686 |
| Income before extraordinary items | $2,953,000 | 2,308 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,953,000 | 2,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $900,000 | 2,731 |
| Sale, conversion, retirement of capital stock, net | $188,000 | 771 |
| Net operating income | $2,953,000 | 2,287 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,501,000 | 3,226 |
| Total interest expense | $3,263,000 | 3,282 |
| Net interest income | $5,238,000 | 3,138 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $1,125,000 | 2,709 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $741,000 | 1,776 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $384,000 | 3,279 |
| Total noninterest expense | $2,949,000 | 4,025 |
| Salaries and employee benefits | $1,268,000 | 4,796 |
| Premises and equipment expense | $298,000 | 4,971 |
| Additional noninterest expense | $1,383,000 | 2,742 |
| Pre-tax net operating income | $3,279,000 | 2,169 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,194,000 | 1,658 |
| Income before extraordinary items | $2,085,000 | 2,478 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,085,000 | 2,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $700,000 | 2,435 |
| Sale, conversion, retirement of capital stock, net | $142,000 | 651 |
| Net operating income | $2,085,000 | 2,462 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,460,000 | 3,277 |
| Total interest expense | $2,058,000 | 3,301 |
| Net interest income | $3,402,000 | 3,208 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $734,000 | 2,754 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $476,000 | 1,818 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $258,000 | 3,269 |
| Total noninterest expense | $1,904,000 | 4,131 |
| Salaries and employee benefits | $760,000 | 5,155 |
| Premises and equipment expense | $197,000 | 4,979 |
| Additional noninterest expense | $947,000 | 2,698 |
| Pre-tax net operating income | $2,142,000 | 2,194 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $777,000 | 1,699 |
| Income before extraordinary items | $1,365,000 | 2,523 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,365,000 | 2,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,365,000 | 2,503 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,643,000 | 3,294 |
| Total interest expense | $955,000 | 3,365 |
| Net interest income | $1,688,000 | 3,219 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $351,000 | 2,776 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $221,000 | 1,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $130,000 | 3,236 |
| Total noninterest expense | $910,000 | 4,285 |
| Salaries and employee benefits | $375,000 | 5,217 |
| Premises and equipment expense | $97,000 | 5,056 |
| Additional noninterest expense | $438,000 | 2,874 |
| Pre-tax net operating income | $1,084,000 | 2,143 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $394,000 | 1,679 |
| Income before extraordinary items | $690,000 | 2,469 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $690,000 | 2,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $690,000 | 2,448 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,393,000 | 3,315 |
| Total interest expense | $2,738,000 | 3,577 |
| Net interest income | $6,655,000 | 3,163 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $1,370,000 | 2,855 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $917,000 | 1,875 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $453,000 | 3,543 |
| Total noninterest expense | $3,412,000 | 4,375 |
| Salaries and employee benefits | $1,320,000 | 5,472 |
| Premises and equipment expense | $307,000 | 5,665 |
| Additional noninterest expense | $1,785,000 | 2,774 |
| Pre-tax net operating income | $4,313,000 | 2,103 |
| Securities gains (losses) | $402,000 | 334 |
| Applicable income taxes | $1,698,000 | 1,550 |
| Income before extraordinary items | $3,017,000 | 2,236 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,017,000 | 2,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $1,400,000 | 1,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,759,720 | 2,375 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,897,000 | 3,314 |
| Total interest expense | $1,892,000 | 3,655 |
| Net interest income | $5,005,000 | 3,141 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $1,040,000 | 2,828 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $689,000 | 1,863 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $351,000 | 3,522 |
| Total noninterest expense | $2,541,000 | 4,362 |
| Salaries and employee benefits | $975,000 | 5,494 |
| Premises and equipment expense | $226,000 | 5,724 |
| Additional noninterest expense | $1,340,000 | 2,747 |
| Pre-tax net operating income | $3,279,000 | 2,083 |
| Securities gains (losses) | $402,000 | 304 |
| Applicable income taxes | $1,325,000 | 1,525 |
| Income before extraordinary items | $2,356,000 | 2,173 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,356,000 | 2,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,957 |
| Cash dividends | $1,000,000 | 1,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,098,720 | 2,367 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,535,000 | 3,289 |
| Total interest expense | $1,191,000 | 3,634 |
| Net interest income | $3,344,000 | 3,109 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $649,000 | 2,929 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $445,000 | 1,883 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $204,000 | 3,731 |
| Total noninterest expense | $1,676,000 | 4,385 |
| Salaries and employee benefits | $633,000 | 5,575 |
| Premises and equipment expense | $153,000 | 5,650 |
| Additional noninterest expense | $890,000 | 2,737 |
| Pre-tax net operating income | $2,167,000 | 2,061 |
| Securities gains (losses) | $402,000 | 256 |
| Applicable income taxes | $924,000 | 1,454 |
| Income before extraordinary items | $1,645,000 | 2,052 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,645,000 | 2,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,387,720 | 2,328 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,203,000 | 3,334 |
| Total interest expense | $545,000 | 3,781 |
| Net interest income | $1,658,000 | 3,124 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $329,000 | 2,842 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $212,000 | 1,908 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $117,000 | 3,447 |
| Total noninterest expense | $841,000 | 4,397 |
| Salaries and employee benefits | $326,000 | 5,527 |
| Premises and equipment expense | $79,000 | 5,599 |
| Additional noninterest expense | $436,000 | 2,779 |
| Pre-tax net operating income | $1,071,000 | 2,054 |
| Securities gains (losses) | $421,000 | 159 |
| Applicable income taxes | $538,000 | 1,262 |
| Income before extraordinary items | $954,000 | 1,768 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $954,000 | 1,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $684,560 | 2,336 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,306,000 | 3,311 |
| Total interest expense | $1,750,000 | 4,049 |
| Net interest income | $6,556,000 | 3,060 |
| Provision for loan and lease losses | $250,000 | 3,237 |
| Total noninterest income | $1,233,000 | 3,062 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $798,000 | 2,148 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $435,000 | 3,559 |
| Total noninterest expense | $3,267,000 | 4,401 |
| Salaries and employee benefits | $1,272,000 | 5,514 |
| Premises and equipment expense | $289,000 | 5,776 |
| Additional noninterest expense | $1,706,000 | 2,802 |
| Pre-tax net operating income | $4,272,000 | 1,934 |
| Securities gains (losses) | $10,000 | 2,824 |
| Applicable income taxes | $1,457,000 | 1,642 |
| Income before extraordinary items | $2,825,000 | 2,190 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,825,000 | 2,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,542 |
| Cash dividends | $1,000,000 | 2,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,818,400 | 2,145 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,016,000 | 3,380 |
| Total interest expense | $1,258,000 | 4,131 |
| Net interest income | $4,758,000 | 3,120 |
| Provision for loan and lease losses | $175,000 | 3,272 |
| Total noninterest income | $932,000 | 3,075 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $591,000 | 2,188 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $341,000 | 3,482 |
| Total noninterest expense | $2,446,000 | 4,379 |
| Salaries and employee benefits | $939,000 | 5,519 |
| Premises and equipment expense | $215,000 | 5,770 |
| Additional noninterest expense | $1,292,000 | 2,718 |
| Pre-tax net operating income | $3,069,000 | 2,041 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,038,000 | 1,720 |
| Income before extraordinary items | $2,031,000 | 2,287 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,031,000 | 2,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,941 |
| Cash dividends | $750,000 | 2,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,031,000 | 2,231 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,907,000 | 3,439 |
| Total interest expense | $808,000 | 4,255 |
| Net interest income | $3,099,000 | 3,194 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $599,000 | 3,175 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $377,000 | 2,255 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $222,000 | 3,552 |
| Total noninterest expense | $1,638,000 | 4,386 |
| Salaries and employee benefits | $622,000 | 5,577 |
| Premises and equipment expense | $148,000 | 5,701 |
| Additional noninterest expense | $868,000 | 2,709 |
| Pre-tax net operating income | $1,960,000 | 2,079 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $659,000 | 1,788 |
| Income before extraordinary items | $1,301,000 | 2,349 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,301,000 | 2,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,301,000 | 2,281 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,956,000 | 3,450 |
| Total interest expense | $403,000 | 4,305 |
| Net interest income | $1,553,000 | 3,178 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $303,000 | 3,085 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $171,000 | 2,391 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $132,000 | 3,164 |
| Total noninterest expense | $814,000 | 4,417 |
| Salaries and employee benefits | $310,000 | 5,642 |
| Premises and equipment expense | $73,000 | 5,767 |
| Additional noninterest expense | $431,000 | 2,710 |
| Pre-tax net operating income | $997,000 | 2,010 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $339,000 | 1,769 |
| Income before extraordinary items | $658,000 | 2,305 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $658,000 | 2,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $658,000 | 2,222 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,097,000 | 3,773 |
| Total interest expense | $1,703,000 | 4,516 |
| Net interest income | $5,394,000 | 3,486 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $1,189,000 | 3,324 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $700,000 | 2,351 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $489,000 | 3,622 |
| Total noninterest expense | $3,053,000 | 4,558 |
| Salaries and employee benefits | $1,154,000 | 5,769 |
| Premises and equipment expense | $254,000 | 6,145 |
| Additional noninterest expense | $1,645,000 | 2,836 |
| Pre-tax net operating income | $3,350,000 | 2,295 |
| Securities gains (losses) | $-134,000 | 9,049 |
| Applicable income taxes | $1,054,000 | 2,105 |
| Income before extraordinary items | $2,162,000 | 2,699 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,162,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,839 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,251,780 | 2,489 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,227,000 | 3,880 |
| Total interest expense | $1,304,000 | 4,569 |
| Net interest income | $3,923,000 | 3,580 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $914,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $525,000 | 2,365 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $389,000 | 3,583 |
| Total noninterest expense | $2,260,000 | 4,578 |
| Salaries and employee benefits | $853,000 | 5,788 |
| Premises and equipment expense | $195,000 | 6,070 |
| Additional noninterest expense | $1,212,000 | 2,859 |
| Pre-tax net operating income | $2,442,000 | 2,436 |
| Securities gains (losses) | $-134,000 | 9,139 |
| Applicable income taxes | $749,000 | 2,292 |
| Income before extraordinary items | $1,559,000 | 2,882 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,559,000 | 2,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,650,120 | 2,610 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,462,000 | 3,935 |
| Total interest expense | $909,000 | 4,551 |
| Net interest income | $2,553,000 | 3,639 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $600,000 | 3,345 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $336,000 | 2,427 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $264,000 | 3,529 |
| Total noninterest expense | $1,489,000 | 4,614 |
| Salaries and employee benefits | $561,000 | 5,836 |
| Premises and equipment expense | $131,000 | 6,040 |
| Additional noninterest expense | $797,000 | 2,878 |
| Pre-tax net operating income | $1,574,000 | 2,487 |
| Securities gains (losses) | $-134,000 | 9,209 |
| Applicable income taxes | $462,000 | 2,435 |
| Income before extraordinary items | $978,000 | 3,031 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $978,000 | 3,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,069,120 | 2,671 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,724,000 | 3,967 |
| Total interest expense | $475,000 | 4,505 |
| Net interest income | $1,249,000 | 3,686 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $291,000 | 3,313 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $152,000 | 2,558 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $139,000 | 3,347 |
| Total noninterest expense | $732,000 | 4,655 |
| Salaries and employee benefits | $277,000 | 5,887 |
| Premises and equipment expense | $65,000 | 6,056 |
| Additional noninterest expense | $390,000 | 2,918 |
| Pre-tax net operating income | $763,000 | 2,566 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $248,000 | 2,329 |
| Income before extraordinary items | $515,000 | 2,883 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $515,000 | 2,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $515,000 | 2,746 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,435,000 | 3,857 |
| Total interest expense | $2,427,000 | 4,196 |
| Net interest income | $5,008,000 | 3,667 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $991,000 | 3,508 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $610,000 | 2,538 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $381,000 | 3,797 |
| Total noninterest expense | $2,621,000 | 4,923 |
| Salaries and employee benefits | $1,007,000 | 6,123 |
| Premises and equipment expense | $247,000 | 6,185 |
| Additional noninterest expense | $1,367,000 | 3,206 |
| Pre-tax net operating income | $3,198,000 | 2,362 |
| Securities gains (losses) | $-15,000 | 8,954 |
| Applicable income taxes | $1,040,000 | 2,151 |
| Income before extraordinary items | $2,143,000 | 2,660 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,143,000 | 2,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,139 |
| Cash dividends | $900,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,153,050 | 2,557 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,494,000 | 4,232 |
| Total interest expense | $2,976,000 | 4,763 |
| Net interest income | $4,518,000 | 3,751 |
| Provision for loan and lease losses | $264,000 | 3,498 |
| Total noninterest income | $1,004,000 | 3,328 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $479,000 | 2,936 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $525,000 | 3,045 |
| Total noninterest expense | $2,655,000 | 4,758 |
| Salaries and employee benefits | $920,000 | 6,281 |
| Premises and equipment expense | $234,000 | 6,299 |
| Additional noninterest expense | $1,501,000 | 2,868 |
| Pre-tax net operating income | $2,603,000 | 2,589 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $819,000 | 2,382 |
| Income before extraordinary items | $1,787,000 | 2,811 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,787,000 | 2,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,585 |
| Cash dividends | $1,075,000 | 2,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,784,930 | 2,725 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,334,000 | 6,224 |
| Total interest expense | $1,743,000 | 6,711 |
| Net interest income | $2,591,000 | 5,677 |
| Provision for loan and lease losses | $225,000 | 3,486 |
| Total noninterest income | $615,000 | 4,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,175 |
| Total noninterest expense | $1,622,000 | 6,438 |
| Salaries and employee benefits | $537,000 | 8,048 |
| Premises and equipment expense | $137,000 | 7,794 |
| Additional noninterest expense | $948,000 | 4,160 |
| Pre-tax net operating income | $1,359,000 | 4,369 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $423,000 | 3,871 |
| Income before extraordinary items | $940,000 | 4,558 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $940,000 | 4,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,555 |
| Cash dividends | $900,000 | 2,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $937,240 | 4,566 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,406,000 | 6,928 |
| Total interest expense | $1,188,000 | 7,677 |
| Net interest income | $2,218,000 | 6,250 |
| Provision for loan and lease losses | $66,000 | 6,005 |
| Total noninterest income | $579,000 | 4,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 3,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $259,000 | 4,360 |
| Total noninterest expense | $1,590,000 | 6,554 |
| Salaries and employee benefits | $483,000 | 8,441 |
| Premises and equipment expense | $137,000 | 7,887 |
| Additional noninterest expense | $970,000 | 4,119 |
| Pre-tax net operating income | $1,141,000 | 4,920 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $348,000 | 4,490 |
| Income before extraordinary items | $803,000 | 5,085 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $803,000 | 5,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $796,000 | 5,072 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,958,000 | 7,583 |
| Total interest expense | $1,038,000 | 8,316 |
| Net interest income | $1,920,000 | 6,815 |
| Provision for loan and lease losses | $78,000 | 5,647 |
| Total noninterest income | $584,000 | 4,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,097 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $300,000 | 4,027 |
| Total noninterest expense | $1,346,000 | 7,117 |
| Salaries and employee benefits | $405,000 | 8,937 |
| Premises and equipment expense | $142,000 | 7,842 |
| Additional noninterest expense | $799,000 | 4,688 |
| Pre-tax net operating income | $1,080,000 | 5,190 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $343,000 | 4,812 |
| Income before extraordinary items | $738,000 | 5,454 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $738,000 | 5,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,781 |
| Cash dividends | $340,000 | 4,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $737,320 | 5,345 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,039,000 | 7,713 |
| Total interest expense | $1,167,000 | 8,210 |
| Net interest income | $1,872,000 | 7,180 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $460,000 | 5,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,218 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,316 |
| Total noninterest expense | $1,390,000 | 7,062 |
| Salaries and employee benefits | $428,000 | 9,079 |
| Premises and equipment expense | $156,000 | 7,672 |
| Additional noninterest expense | $806,000 | 4,700 |
| Pre-tax net operating income | $942,000 | 6,013 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $313,000 | 5,608 |
| Income before extraordinary items | $644,000 | 6,143 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $644,000 | 6,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $220,000 | 5,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $633,950 | 6,147 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,535,000 | 8,655 |
| Total interest expense | $1,006,000 | 8,985 |
| Net interest income | $1,529,000 | 8,196 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $415,000 | 5,827 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,545 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 4,994 |
| Total noninterest expense | $1,122,000 | 8,254 |
| Salaries and employee benefits | $372,000 | 9,797 |
| Premises and equipment expense | $144,000 | 8,199 |
| Additional noninterest expense | $606,000 | 6,314 |
| Pre-tax net operating income | $822,000 | 6,418 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $295,000 | 5,890 |
| Income before extraordinary items | $527,000 | 6,724 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $527,000 | 6,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $120,000 | 6,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $527,000 | 6,668 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,525,000 | 8,936 |
| Total interest expense | $879,000 | 9,695 |
| Net interest income | $1,646,000 | 8,155 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $357,000 | 6,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 5,414 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 6,163 |
| Total noninterest expense | $1,105,000 | 8,557 |
| Salaries and employee benefits | $362,000 | 10,237 |
| Premises and equipment expense | $137,000 | 8,597 |
| Additional noninterest expense | $606,000 | 6,495 |
| Pre-tax net operating income | $898,000 | 6,429 |
| Securities gains (losses) | $-9,000 | 10,045 |
| Applicable income taxes | $327,000 | 5,700 |
| Income before extraordinary items | $562,000 | 6,831 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $562,000 | 6,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $1,260,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $567,760 | 6,777 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,374,000 | 9,129 |
| Total interest expense | $701,000 | 10,086 |
| Net interest income | $1,673,000 | 8,375 |
| Provision for loan and lease losses | $6,000 | 8,739 |
| Total noninterest income | $443,000 | 5,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,902 |
| Total noninterest expense | $1,213,000 | 8,554 |
| Salaries and employee benefits | $527,000 | 9,150 |
| Premises and equipment expense | $138,000 | 8,875 |
| Additional noninterest expense | $548,000 | 7,436 |
| Pre-tax net operating income | $897,000 | 6,417 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $329,000 | 5,526 |
| Income before extraordinary items | $568,000 | 6,785 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $568,000 | 6,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 11,034 |
| Cash dividends | $160,000 | 5,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $568,000 | 6,833 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,559,000 | 9,077 |
| Total interest expense | $810,000 | 10,000 |
| Net interest income | $1,749,000 | 8,369 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $374,000 | 6,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,954 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 7,477 |
| Total noninterest expense | $1,302,000 | 8,506 |
| Salaries and employee benefits | $537,000 | 9,325 |
| Premises and equipment expense | $169,000 | 8,403 |
| Additional noninterest expense | $596,000 | 7,375 |
| Pre-tax net operating income | $809,000 | 6,761 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $303,000 | 6,046 |
| Income before extraordinary items | $534,000 | 7,278 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $534,000 | 7,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $121,000 | 6,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $516,080 | 7,178 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,717,000 | 9,503 |
| Total interest expense | $1,032,000 | 10,259 |
| Net interest income | $1,685,000 | 8,698 |
| Provision for loan and lease losses | $24,000 | 10,335 |
| Total noninterest income | $332,000 | 7,326 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,539 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 6,436 |
| Total noninterest expense | $1,344,000 | 8,501 |
| Salaries and employee benefits | $598,000 | 8,819 |
| Premises and equipment expense | $204,000 | 7,741 |
| Additional noninterest expense | $542,000 | 8,058 |
| Pre-tax net operating income | $649,000 | 7,393 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $225,000 | 7,091 |
| Income before extraordinary items | $424,000 | 7,974 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $424,000 | 8,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 12,606 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $424,000 | 7,620 |
* 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.