Home > Grafton State Bank > Income and Expense
Grafton State Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,670,000 | 3,394 |
| Total interest expense | $4,098,000 | 3,229 |
| Net interest income | $4,572,000 | 3,473 |
| Provision for loan and lease losses | $260,000 | 2,550 |
| Total noninterest income | $1,106,000 | 2,727 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $493,000 | 2,469 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $613,000 | 2,529 |
| Total noninterest expense | $3,721,000 | 3,439 |
| Salaries and employee benefits | $1,847,000 | 3,762 |
| Premises and equipment expense | $552,000 | 3,287 |
| Additional noninterest expense | $1,322,000 | 2,935 |
| Pre-tax net operating income | $1,697,000 | 3,209 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $541,000 | 2,432 |
| Income before extraordinary items | $1,156,000 | 3,556 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,156,000 | 3,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,700 |
| Cash dividends | $500,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,156,000 | 3,538 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,770,000 | 3,409 |
| Total interest expense | $2,736,000 | 3,225 |
| Net interest income | $3,034,000 | 3,501 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $722,000 | 2,769 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $325,000 | 2,491 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $397,000 | 2,587 |
| Total noninterest expense | $2,443,000 | 3,507 |
| Salaries and employee benefits | $1,180,000 | 3,903 |
| Premises and equipment expense | $382,000 | 3,202 |
| Additional noninterest expense | $881,000 | 2,934 |
| Pre-tax net operating income | $1,193,000 | 3,131 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $386,000 | 2,421 |
| Income before extraordinary items | $807,000 | 3,497 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $807,000 | 3,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $250,000 | 3,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $807,000 | 3,474 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,861,000 | 3,407 |
| Total interest expense | $1,376,000 | 3,201 |
| Net interest income | $1,485,000 | 3,562 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $347,000 | 2,823 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $153,000 | 2,568 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $194,000 | 2,590 |
| Total noninterest expense | $1,195,000 | 3,584 |
| Salaries and employee benefits | $570,000 | 4,026 |
| Premises and equipment expense | $204,000 | 3,055 |
| Additional noninterest expense | $421,000 | 3,040 |
| Pre-tax net operating income | $577,000 | 3,209 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $187,000 | 2,495 |
| Income before extraordinary items | $390,000 | 3,558 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $390,000 | 3,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $390,000 | 3,535 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,941,000 | 3,102 |
| Total interest expense | $5,113,000 | 2,976 |
| Net interest income | $6,828,000 | 3,176 |
| Provision for loan and lease losses | $1,500,000 | 710 |
| Total noninterest income | $1,533,000 | 2,662 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $746,000 | 2,248 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $787,000 | 2,604 |
| Total noninterest expense | $5,088,000 | 3,304 |
| Salaries and employee benefits | $2,692,000 | 3,425 |
| Premises and equipment expense | $746,000 | 3,168 |
| Additional noninterest expense | $1,650,000 | 3,045 |
| Pre-tax net operating income | $1,773,000 | 3,929 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $510,000 | 3,134 |
| Income before extraordinary items | $1,263,000 | 4,176 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,263,000 | 4,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $780,000 | 850 |
| Cash dividends | $2,413,000 | 1,333 |
| Sale, conversion, retirement of capital stock, net | $613,000 | 562 |
| Net operating income | $1,263,000 | 4,142 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,068,000 | 3,042 |
| Total interest expense | $3,825,000 | 2,895 |
| Net interest income | $5,243,000 | 3,136 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,158,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $561,000 | 2,253 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $597,000 | 2,574 |
| Total noninterest expense | $3,888,000 | 3,236 |
| Salaries and employee benefits | $2,085,000 | 3,331 |
| Premises and equipment expense | $577,000 | 3,100 |
| Additional noninterest expense | $1,226,000 | 3,069 |
| Pre-tax net operating income | $2,513,000 | 2,634 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $842,000 | 2,128 |
| Income before extraordinary items | $1,671,000 | 2,955 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,671,000 | 2,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,003 |
| Cash dividends | $1,200,000 | 1,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,671,000 | 2,946 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,962,000 | 3,043 |
| Total interest expense | $2,447,000 | 2,865 |
| Net interest income | $3,515,000 | 3,121 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $758,000 | 2,690 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $360,000 | 2,296 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $398,000 | 2,566 |
| Total noninterest expense | $2,642,000 | 3,200 |
| Salaries and employee benefits | $1,416,000 | 3,294 |
| Premises and equipment expense | $397,000 | 3,020 |
| Additional noninterest expense | $829,000 | 3,041 |
| Pre-tax net operating income | $1,631,000 | 2,709 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $541,000 | 2,197 |
| Income before extraordinary items | $1,090,000 | 3,005 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,090,000 | 3,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $355,000 | 734 |
| Cash dividends | $1,200,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,090,000 | 2,993 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,905,000 | 3,054 |
| Total interest expense | $1,135,000 | 2,935 |
| Net interest income | $1,770,000 | 3,105 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $364,000 | 2,706 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $181,000 | 2,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $183,000 | 2,650 |
| Total noninterest expense | $1,331,000 | 3,194 |
| Salaries and employee benefits | $714,000 | 3,281 |
| Premises and equipment expense | $212,000 | 2,866 |
| Additional noninterest expense | $405,000 | 3,080 |
| Pre-tax net operating income | $803,000 | 2,699 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $266,000 | 2,172 |
| Income before extraordinary items | $537,000 | 2,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $537,000 | 2,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $600,000 | 1,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $537,000 | 2,971 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,801,000 | 2,946 |
| Total interest expense | $3,351,000 | 3,051 |
| Net interest income | $7,450,000 | 2,876 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $1,443,000 | 2,755 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $816,000 | 2,074 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $627,000 | 2,976 |
| Total noninterest expense | $4,782,000 | 3,363 |
| Salaries and employee benefits | $2,679,000 | 3,290 |
| Premises and equipment expense | $572,000 | 3,799 |
| Additional noninterest expense | $1,531,000 | 3,177 |
| Pre-tax net operating income | $3,991,000 | 2,222 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,378,000 | 1,806 |
| Income before extraordinary items | $2,613,000 | 2,507 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,613,000 | 2,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,675 |
| Cash dividends | $2,400,000 | 1,272 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,613,000 | 2,475 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,949,000 | 2,944 |
| Total interest expense | $2,383,000 | 3,038 |
| Net interest income | $5,566,000 | 2,873 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $1,083,000 | 2,751 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $608,000 | 2,084 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $475,000 | 2,979 |
| Total noninterest expense | $3,542,000 | 3,364 |
| Salaries and employee benefits | $2,009,000 | 3,260 |
| Premises and equipment expense | $411,000 | 3,892 |
| Additional noninterest expense | $1,122,000 | 3,204 |
| Pre-tax net operating income | $3,017,000 | 2,228 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,045,000 | 1,819 |
| Income before extraordinary items | $1,972,000 | 2,513 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,972,000 | 2,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $1,800,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,972,000 | 2,481 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,223,000 | 2,919 |
| Total interest expense | $1,516,000 | 3,018 |
| Net interest income | $3,707,000 | 2,849 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $718,000 | 2,725 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $400,000 | 2,071 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $318,000 | 2,962 |
| Total noninterest expense | $2,334,000 | 3,373 |
| Salaries and employee benefits | $1,330,000 | 3,260 |
| Premises and equipment expense | $249,000 | 4,162 |
| Additional noninterest expense | $755,000 | 3,164 |
| Pre-tax net operating income | $2,031,000 | 2,162 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $706,000 | 1,771 |
| Income before extraordinary items | $1,325,000 | 2,442 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,325,000 | 2,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $1,200,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,325,000 | 2,411 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,489,000 | 3,004 |
| Total interest expense | $687,000 | 3,167 |
| Net interest income | $1,802,000 | 2,911 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $379,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $204,000 | 1,973 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $175,000 | 2,703 |
| Total noninterest expense | $1,148,000 | 3,440 |
| Salaries and employee benefits | $663,000 | 3,268 |
| Premises and equipment expense | $119,000 | 4,321 |
| Additional noninterest expense | $366,000 | 3,246 |
| Pre-tax net operating income | $1,003,000 | 2,168 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $348,000 | 1,786 |
| Income before extraordinary items | $655,000 | 2,438 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $655,000 | 2,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $600,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $655,000 | 2,401 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,217,000 | 3,043 |
| Total interest expense | $2,356,000 | 3,195 |
| Net interest income | $6,861,000 | 2,944 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $1,229,000 | 3,071 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $710,000 | 2,345 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $519,000 | 3,245 |
| Total noninterest expense | $4,437,000 | 3,458 |
| Salaries and employee benefits | $2,424,000 | 3,435 |
| Premises and equipment expense | $509,000 | 4,032 |
| Additional noninterest expense | $1,504,000 | 3,111 |
| Pre-tax net operating income | $3,533,000 | 2,258 |
| Securities gains (losses) | $102,000 | 1,233 |
| Applicable income taxes | $1,366,000 | 1,728 |
| Income before extraordinary items | $2,269,000 | 2,626 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,269,000 | 2,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,699 |
| Cash dividends | $1,148,000 | 2,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,203,720 | 2,641 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,794,000 | 3,054 |
| Total interest expense | $1,748,000 | 3,173 |
| Net interest income | $5,046,000 | 2,973 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $754,000 | 3,553 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $507,000 | 2,465 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $247,000 | 4,081 |
| Total noninterest expense | $3,081,000 | 3,632 |
| Salaries and employee benefits | $1,814,000 | 3,404 |
| Premises and equipment expense | $352,000 | 4,271 |
| Additional noninterest expense | $915,000 | 3,666 |
| Pre-tax net operating income | $2,629,000 | 2,292 |
| Securities gains (losses) | $101,000 | 1,166 |
| Applicable income taxes | $918,000 | 1,914 |
| Income before extraordinary items | $1,812,000 | 2,549 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,812,000 | 2,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,336 |
| Cash dividends | $861,000 | 1,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,745,340 | 2,549 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,457,000 | 3,084 |
| Total interest expense | $1,156,000 | 3,177 |
| Net interest income | $3,301,000 | 3,025 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $477,000 | 3,684 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $296,000 | 2,739 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $181,000 | 3,955 |
| Total noninterest expense | $2,107,000 | 3,589 |
| Salaries and employee benefits | $1,231,000 | 3,368 |
| Premises and equipment expense | $235,000 | 4,268 |
| Additional noninterest expense | $641,000 | 3,542 |
| Pre-tax net operating income | $1,611,000 | 2,428 |
| Securities gains (losses) | $101,000 | 1,024 |
| Applicable income taxes | $564,000 | 2,027 |
| Income before extraordinary items | $1,148,000 | 2,625 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,148,000 | 2,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $574,000 | 1,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,080,330 | 2,676 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,173,000 | 3,157 |
| Total interest expense | $575,000 | 3,225 |
| Net interest income | $1,598,000 | 3,099 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $224,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $142,000 | 2,786 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $82,000 | 4,114 |
| Total noninterest expense | $1,067,000 | 3,578 |
| Salaries and employee benefits | $631,000 | 3,321 |
| Premises and equipment expense | $125,000 | 4,106 |
| Additional noninterest expense | $311,000 | 3,639 |
| Pre-tax net operating income | $725,000 | 2,639 |
| Securities gains (losses) | $101,000 | 797 |
| Applicable income taxes | $268,000 | 2,092 |
| Income before extraordinary items | $558,000 | 2,685 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $558,000 | 2,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $287,000 | 1,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $489,320 | 2,890 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,785,000 | 3,172 |
| Total interest expense | $2,440,000 | 3,400 |
| Net interest income | $6,345,000 | 3,026 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $3,024,000 | 1,675 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $535,000 | 2,946 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,489,000 | 1,223 |
| Total noninterest expense | $4,231,000 | 3,537 |
| Salaries and employee benefits | $2,580,000 | 3,186 |
| Premises and equipment expense | $529,000 | 3,888 |
| Additional noninterest expense | $1,122,000 | 3,924 |
| Pre-tax net operating income | $5,078,000 | 1,592 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,792,000 | 1,392 |
| Income before extraordinary items | $3,286,000 | 1,882 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,286,000 | 1,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,344 |
| Cash dividends | $2,880,000 | 1,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,286,000 | 1,799 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,676,000 | 3,182 |
| Total interest expense | $1,875,000 | 3,455 |
| Net interest income | $4,801,000 | 3,011 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $2,777,000 | 1,462 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $384,000 | 3,041 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,393,000 | 1,093 |
| Total noninterest expense | $3,229,000 | 3,481 |
| Salaries and employee benefits | $1,973,000 | 3,126 |
| Premises and equipment expense | $401,000 | 3,850 |
| Additional noninterest expense | $855,000 | 3,873 |
| Pre-tax net operating income | $4,304,000 | 1,482 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,539,000 | 1,321 |
| Income before extraordinary items | $2,765,000 | 1,737 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,765,000 | 1,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $711,000 | 2,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,765,000 | 1,640 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,435,000 | 3,210 |
| Total interest expense | $1,286,000 | 3,467 |
| Net interest income | $3,149,000 | 3,045 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $1,744,000 | 1,522 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $240,000 | 3,164 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,504,000 | 1,135 |
| Total noninterest expense | $2,115,000 | 3,521 |
| Salaries and employee benefits | $1,303,000 | 3,141 |
| Premises and equipment expense | $253,000 | 4,005 |
| Additional noninterest expense | $559,000 | 3,909 |
| Pre-tax net operating income | $2,748,000 | 1,532 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $980,000 | 1,396 |
| Income before extraordinary items | $1,768,000 | 1,819 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,768,000 | 1,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,535 |
| Cash dividends | $474,000 | 2,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,768,000 | 1,698 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,240,000 | 3,199 |
| Total interest expense | $656,000 | 3,493 |
| Net interest income | $1,584,000 | 3,017 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $637,000 | 1,909 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $127,000 | 2,959 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $510,000 | 1,464 |
| Total noninterest expense | $1,041,000 | 3,542 |
| Salaries and employee benefits | $647,000 | 3,150 |
| Premises and equipment expense | $150,000 | 3,487 |
| Additional noninterest expense | $244,000 | 4,298 |
| Pre-tax net operating income | $1,165,000 | 1,794 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $407,000 | 1,596 |
| Income before extraordinary items | $758,000 | 2,065 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $758,000 | 2,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $237,000 | 2,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $758,000 | 1,949 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,210,000 | 3,238 |
| Total interest expense | $2,814,000 | 3,723 |
| Net interest income | $6,396,000 | 2,973 |
| Provision for loan and lease losses | $144,000 | 5,017 |
| Total noninterest income | $1,825,000 | 2,298 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $470,000 | 3,129 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,355,000 | 1,785 |
| Total noninterest expense | $4,126,000 | 3,483 |
| Salaries and employee benefits | $2,484,000 | 3,138 |
| Premises and equipment expense | $550,000 | 3,668 |
| Additional noninterest expense | $1,092,000 | 3,909 |
| Pre-tax net operating income | $3,951,000 | 2,009 |
| Securities gains (losses) | $63,000 | 2,193 |
| Applicable income taxes | $1,354,000 | 1,798 |
| Income before extraordinary items | $2,660,000 | 2,239 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,660,000 | 2,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,158 |
| Cash dividends | $799,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,618,420 | 2,194 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,852,000 | 3,358 |
| Total interest expense | $4,466,000 | 3,480 |
| Net interest income | $5,386,000 | 3,232 |
| Provision for loan and lease losses | $162,000 | 4,619 |
| Total noninterest income | $1,019,000 | 3,300 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $402,000 | 3,384 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $617,000 | 2,783 |
| Total noninterest expense | $3,504,000 | 3,821 |
| Salaries and employee benefits | $2,021,000 | 3,563 |
| Premises and equipment expense | $427,000 | 4,393 |
| Additional noninterest expense | $1,056,000 | 3,888 |
| Pre-tax net operating income | $2,739,000 | 2,465 |
| Securities gains (losses) | $39,000 | 2,590 |
| Applicable income taxes | $872,000 | 2,290 |
| Income before extraordinary items | $1,906,000 | 2,649 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,906,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,516 |
| Cash dividends | $693,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,879,090 | 2,597 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,273,000 | 3,638 |
| Total interest expense | $4,767,000 | 3,459 |
| Net interest income | $4,506,000 | 3,788 |
| Provision for loan and lease losses | $132,000 | 4,658 |
| Total noninterest income | $719,000 | 3,927 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $312,000 | 3,942 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $407,000 | 3,301 |
| Total noninterest expense | $3,054,000 | 4,169 |
| Salaries and employee benefits | $1,901,000 | 3,629 |
| Premises and equipment expense | $410,000 | 4,430 |
| Additional noninterest expense | $743,000 | 4,972 |
| Pre-tax net operating income | $2,039,000 | 3,275 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $619,000 | 3,038 |
| Income before extraordinary items | $1,422,000 | 3,391 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,422,000 | 3,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $700,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,420,600 | 3,384 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,706,000 | 4,068 |
| Total interest expense | $3,535,000 | 4,014 |
| Net interest income | $4,171,000 | 4,022 |
| Provision for loan and lease losses | $72,000 | 5,852 |
| Total noninterest income | $757,000 | 3,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 3,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $452,000 | 3,155 |
| Total noninterest expense | $2,840,000 | 4,412 |
| Salaries and employee benefits | $1,730,000 | 3,872 |
| Premises and equipment expense | $371,000 | 4,764 |
| Additional noninterest expense | $739,000 | 5,059 |
| Pre-tax net operating income | $2,016,000 | 3,322 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $625,000 | 3,133 |
| Income before extraordinary items | $1,391,000 | 3,438 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,391,000 | 3,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,940 |
| Cash dividends | $230,000 | 5,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,391,000 | 3,403 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,347,000 | 4,224 |
| Total interest expense | $3,471,000 | 4,164 |
| Net interest income | $3,876,000 | 4,232 |
| Provision for loan and lease losses | $64,000 | 6,030 |
| Total noninterest income | $745,000 | 3,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $473,000 | 3,081 |
| Total noninterest expense | $2,681,000 | 4,531 |
| Salaries and employee benefits | $1,623,000 | 3,993 |
| Premises and equipment expense | $355,000 | 4,829 |
| Additional noninterest expense | $703,000 | 5,147 |
| Pre-tax net operating income | $1,876,000 | 3,514 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $594,000 | 3,434 |
| Income before extraordinary items | $1,284,000 | 3,731 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,284,000 | 3,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,077 |
| Cash dividends | $680,000 | 2,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,282,640 | 3,647 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,840,000 | 4,584 |
| Total interest expense | $3,299,000 | 4,335 |
| Net interest income | $3,541,000 | 4,692 |
| Provision for loan and lease losses | $35,000 | 7,233 |
| Total noninterest income | $612,000 | 4,360 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 4,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $367,000 | 3,478 |
| Total noninterest expense | $2,457,000 | 4,843 |
| Salaries and employee benefits | $1,435,000 | 4,413 |
| Premises and equipment expense | $312,000 | 5,324 |
| Additional noninterest expense | $710,000 | 5,163 |
| Pre-tax net operating income | $1,661,000 | 4,116 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $551,000 | 3,937 |
| Income before extraordinary items | $1,110,000 | 4,333 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,110,000 | 4,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $660,000 | 2,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,110,000 | 4,263 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,425,000 | 4,913 |
| Total interest expense | $3,099,000 | 4,643 |
| Net interest income | $3,326,000 | 5,044 |
| Provision for loan and lease losses | $145,000 | 4,158 |
| Total noninterest income | $593,000 | 4,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,718 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $335,000 | 3,808 |
| Total noninterest expense | $2,370,000 | 5,225 |
| Salaries and employee benefits | $1,337,000 | 4,759 |
| Premises and equipment expense | $292,000 | 5,694 |
| Additional noninterest expense | $741,000 | 5,508 |
| Pre-tax net operating income | $1,404,000 | 4,569 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $400,000 | 4,887 |
| Income before extraordinary items | $1,004,000 | 4,494 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,004,000 | 4,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,405 |
| Cash dividends | $520,000 | 3,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,004,000 | 4,435 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,162,000 | 5,088 |
| Total interest expense | $2,912,000 | 4,894 |
| Net interest income | $3,250,000 | 5,169 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $567,000 | 4,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $301,000 | 3,990 |
| Total noninterest expense | $2,312,000 | 5,329 |
| Salaries and employee benefits | $1,257,000 | 5,009 |
| Premises and equipment expense | $348,000 | 5,044 |
| Additional noninterest expense | $707,000 | 5,798 |
| Pre-tax net operating income | $1,481,000 | 4,502 |
| Securities gains (losses) | $-15,000 | 10,368 |
| Applicable income taxes | $526,000 | 4,034 |
| Income before extraordinary items | $940,000 | 4,823 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $940,000 | 4,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $620,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $949,600 | 4,785 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,209,000 | 5,481 |
| Total interest expense | $2,086,000 | 5,426 |
| Net interest income | $3,123,000 | 5,441 |
| Provision for loan and lease losses | $64,000 | 5,501 |
| Total noninterest income | $553,000 | 4,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $318,000 | 3,929 |
| Total noninterest expense | $2,362,000 | 5,417 |
| Salaries and employee benefits | $1,208,000 | 5,214 |
| Premises and equipment expense | $409,000 | 4,501 |
| Additional noninterest expense | $745,000 | 6,025 |
| Pre-tax net operating income | $1,250,000 | 5,081 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $430,000 | 4,520 |
| Income before extraordinary items | $822,000 | 5,261 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $822,000 | 5,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $390,000 | 3,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $820,680 | 5,320 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,915,000 | 5,866 |
| Total interest expense | $2,041,000 | 5,732 |
| Net interest income | $2,874,000 | 5,845 |
| Provision for loan and lease losses | $211,000 | 3,785 |
| Total noninterest income | $760,000 | 4,161 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 5,687 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $545,000 | 3,079 |
| Total noninterest expense | $2,192,000 | 5,880 |
| Salaries and employee benefits | $1,146,000 | 5,445 |
| Premises and equipment expense | $332,000 | 5,430 |
| Additional noninterest expense | $714,000 | 6,454 |
| Pre-tax net operating income | $1,231,000 | 5,091 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $440,000 | 4,667 |
| Income before extraordinary items | $796,000 | 5,596 |
| Extraordinary gains, net | $131,000 | 1,346 |
| Net income | $927,000 | 5,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 3,355 |
| Cash dividends | $650,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $792,800 | 5,369 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,042,000 | 6,346 |
| Total interest expense | $2,340,000 | 6,310 |
| Net interest income | $2,702,000 | 6,207 |
| Provision for loan and lease losses | $124,000 | 6,630 |
| Total noninterest income | $628,000 | 4,804 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,609 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $458,000 | 3,384 |
| Total noninterest expense | $1,964,000 | 6,475 |
| Salaries and employee benefits | $1,054,000 | 5,767 |
| Premises and equipment expense | $401,000 | 4,782 |
| Additional noninterest expense | $509,000 | 8,374 |
| Pre-tax net operating income | $1,242,000 | 4,782 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $421,000 | 4,603 |
| Income before extraordinary items | $821,000 | 5,256 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $821,000 | 5,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $510,000 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $821,000 | 4,956 |
* 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.