Home > Great River Bank & Trust > Income and Expense
Great River Bank & Trust, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,135,000 | 5,934 |
| Total interest expense | $541,000 | 5,560 |
| Net interest income | $594,000 | 6,127 |
| Provision for loan and lease losses | $290,000 | 1,438 |
| Total noninterest income | $94,000 | 5,558 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $55,000 | 4,609 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $39,000 | 5,498 |
| Total noninterest expense | $743,000 | 5,166 |
| Salaries and employee benefits | $451,000 | 4,874 |
| Premises and equipment expense | $96,000 | 5,276 |
| Additional noninterest expense | $196,000 | 5,438 |
| Pre-tax net operating income | $-345,000 | 7,950 |
| Securities gains (losses) | $305,000 | 324 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-40,000 | 7,468 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-40,000 | 7,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 891 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-345,000 | 8,000 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,304,000 | 5,559 |
| Total interest expense | $2,516,000 | 5,248 |
| Net interest income | $2,788,000 | 5,681 |
| Provision for loan and lease losses | $50,000 | 5,648 |
| Total noninterest income | $390,000 | 5,544 |
| Gross Fiduciary activities income | $4,000 | 1,355 |
| Service charges on deposit accounts | $240,000 | 4,540 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $146,000 | 5,617 |
| Total noninterest expense | $3,304,000 | 4,702 |
| Salaries and employee benefits | $1,762,000 | 4,814 |
| Premises and equipment expense | $454,000 | 4,641 |
| Additional noninterest expense | $1,088,000 | 4,368 |
| Pre-tax net operating income | $-176,000 | 7,628 |
| Securities gains (losses) | $173,000 | 471 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-3,000 | 7,508 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,000 | 7,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,679 |
| Cash dividends | $58,000 | 5,556 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-176,000 | 7,675 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,047,000 | 5,533 |
| Total interest expense | $1,913,000 | 5,221 |
| Net interest income | $2,134,000 | 5,666 |
| Provision for loan and lease losses | $50,000 | 5,025 |
| Total noninterest income | $303,000 | 5,513 |
| Gross Fiduciary activities income | $3,000 | 1,319 |
| Service charges on deposit accounts | $181,000 | 4,547 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $119,000 | 5,491 |
| Total noninterest expense | $2,302,000 | 4,909 |
| Salaries and employee benefits | $1,323,000 | 4,787 |
| Premises and equipment expense | $314,000 | 4,875 |
| Additional noninterest expense | $665,000 | 4,942 |
| Pre-tax net operating income | $85,000 | 7,368 |
| Securities gains (losses) | $42,000 | 657 |
| Applicable income taxes | $3,000 | 5,991 |
| Income before extraordinary items | $124,000 | 7,157 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $124,000 | 7,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,883 |
| Cash dividends | $58,000 | 4,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $82,840 | 7,335 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,743,000 | 5,521 |
| Total interest expense | $1,305,000 | 5,177 |
| Net interest income | $1,438,000 | 5,687 |
| Provision for loan and lease losses | $50,000 | 4,348 |
| Total noninterest income | $211,000 | 5,463 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $118,000 | 4,611 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $91,000 | 5,292 |
| Total noninterest expense | $1,473,000 | 5,070 |
| Salaries and employee benefits | $845,000 | 4,955 |
| Premises and equipment expense | $199,000 | 5,054 |
| Additional noninterest expense | $429,000 | 5,055 |
| Pre-tax net operating income | $126,000 | 7,112 |
| Securities gains (losses) | $42,000 | 570 |
| Applicable income taxes | $-1,000 | 8,062 |
| Income before extraordinary items | $169,000 | 6,597 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $169,000 | 6,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,140 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $127,000 | 6,905 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,392,000 | 5,484 |
| Total interest expense | $641,000 | 5,197 |
| Net interest income | $751,000 | 5,585 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $89,000 | 5,768 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $55,000 | 4,695 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $33,000 | 5,825 |
| Total noninterest expense | $712,000 | 5,192 |
| Salaries and employee benefits | $407,000 | 5,107 |
| Premises and equipment expense | $101,000 | 5,017 |
| Additional noninterest expense | $204,000 | 5,201 |
| Pre-tax net operating income | $78,000 | 6,946 |
| Securities gains (losses) | $47,000 | 426 |
| Applicable income taxes | $4,000 | 5,783 |
| Income before extraordinary items | $121,000 | 6,068 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $121,000 | 6,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,755 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $75,410 | 6,765 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,418,000 | 5,328 |
| Total interest expense | $2,350,000 | 4,988 |
| Net interest income | $3,068,000 | 5,458 |
| Provision for loan and lease losses | $1,435,000 | 741 |
| Total noninterest income | $367,000 | 5,776 |
| Gross Fiduciary activities income | $2,000 | 1,427 |
| Service charges on deposit accounts | $219,000 | 4,798 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $146,000 | 5,665 |
| Total noninterest expense | $2,903,000 | 4,990 |
| Salaries and employee benefits | $1,700,000 | 4,804 |
| Premises and equipment expense | $409,000 | 4,852 |
| Additional noninterest expense | $794,000 | 5,258 |
| Pre-tax net operating income | $-903,000 | 8,395 |
| Securities gains (losses) | $79,000 | 584 |
| Applicable income taxes | $-23,000 | 8,226 |
| Income before extraordinary items | $-801,000 | 8,407 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-801,000 | 8,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,239,000 | 573 |
| Cash dividends | $365,000 | 4,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-877,630 | 8,418 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,041,000 | 5,334 |
| Total interest expense | $1,715,000 | 4,980 |
| Net interest income | $2,326,000 | 5,468 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $274,000 | 5,812 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $164,000 | 4,842 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $109,000 | 5,686 |
| Total noninterest expense | $2,184,000 | 4,966 |
| Salaries and employee benefits | $1,284,000 | 4,745 |
| Premises and equipment expense | $306,000 | 4,875 |
| Additional noninterest expense | $594,000 | 5,252 |
| Pre-tax net operating income | $191,000 | 7,450 |
| Securities gains (losses) | $79,000 | 476 |
| Applicable income taxes | $12,000 | 6,158 |
| Income before extraordinary items | $258,000 | 6,934 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $258,000 | 6,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 1,349 |
| Cash dividends | $330,000 | 3,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $182,160 | 7,304 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,643,000 | 5,363 |
| Total interest expense | $1,078,000 | 5,027 |
| Net interest income | $1,565,000 | 5,463 |
| Provision for loan and lease losses | $180,000 | 2,262 |
| Total noninterest income | $188,000 | 5,778 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $111,000 | 4,779 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $76,000 | 5,653 |
| Total noninterest expense | $1,431,000 | 5,056 |
| Salaries and employee benefits | $840,000 | 4,840 |
| Premises and equipment expense | $205,000 | 4,859 |
| Additional noninterest expense | $386,000 | 5,333 |
| Pre-tax net operating income | $142,000 | 7,434 |
| Securities gains (losses) | $51,000 | 452 |
| Applicable income taxes | $4,000 | 6,395 |
| Income before extraordinary items | $189,000 | 6,828 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $189,000 | 6,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,124 |
| Cash dividends | $225,000 | 3,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $139,020 | 7,256 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,296,000 | 5,370 |
| Total interest expense | $509,000 | 5,068 |
| Net interest income | $787,000 | 5,442 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $90,000 | 5,818 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $52,000 | 4,862 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $38,000 | 5,631 |
| Total noninterest expense | $692,000 | 5,167 |
| Salaries and employee benefits | $409,000 | 4,936 |
| Premises and equipment expense | $100,000 | 4,961 |
| Additional noninterest expense | $183,000 | 5,453 |
| Pre-tax net operating income | $140,000 | 6,542 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $8,000 | 5,862 |
| Income before extraordinary items | $132,000 | 6,221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $132,000 | 6,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $110,000 | 2,996 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $132,000 | 6,220 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,011,000 | 5,141 |
| Total interest expense | $1,761,000 | 4,805 |
| Net interest income | $3,250,000 | 5,249 |
| Provision for loan and lease losses | $255,000 | 3,113 |
| Total noninterest income | $489,000 | 5,293 |
| Gross Fiduciary activities income | $29,000 | 1,122 |
| Service charges on deposit accounts | $232,000 | 4,733 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $228,000 | 4,909 |
| Total noninterest expense | $3,057,000 | 4,703 |
| Salaries and employee benefits | $1,794,000 | 4,487 |
| Premises and equipment expense | $421,000 | 4,702 |
| Additional noninterest expense | $842,000 | 4,981 |
| Pre-tax net operating income | $427,000 | 6,975 |
| Securities gains (losses) | $-17,000 | 7,746 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $409,000 | 6,746 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $409,000 | 6,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,628 |
| Cash dividends | $360,000 | 4,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $426,000 | 6,633 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,738,000 | 5,127 |
| Total interest expense | $1,294,000 | 4,729 |
| Net interest income | $2,444,000 | 5,242 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $377,000 | 5,244 |
| Gross Fiduciary activities income | $28,000 | 1,076 |
| Service charges on deposit accounts | $171,000 | 4,801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $178,000 | 4,857 |
| Total noninterest expense | $2,326,000 | 4,651 |
| Salaries and employee benefits | $1,371,000 | 4,387 |
| Premises and equipment expense | $316,000 | 4,665 |
| Additional noninterest expense | $639,000 | 4,905 |
| Pre-tax net operating income | $270,000 | 7,327 |
| Securities gains (losses) | $-17,000 | 8,109 |
| Applicable income taxes | $22,000 | 6,246 |
| Income before extraordinary items | $231,000 | 7,289 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $231,000 | 7,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,182 |
| Cash dividends | $270,000 | 3,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $246,470 | 7,166 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,470,000 | 5,092 |
| Total interest expense | $818,000 | 4,716 |
| Net interest income | $1,652,000 | 5,199 |
| Provision for loan and lease losses | $125,000 | 2,939 |
| Total noninterest income | $253,000 | 5,190 |
| Gross Fiduciary activities income | $28,000 | 1,025 |
| Service charges on deposit accounts | $105,000 | 4,934 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $120,000 | 4,809 |
| Total noninterest expense | $1,531,000 | 4,665 |
| Salaries and employee benefits | $911,000 | 4,375 |
| Premises and equipment expense | $209,000 | 4,666 |
| Additional noninterest expense | $411,000 | 4,998 |
| Pre-tax net operating income | $249,000 | 6,922 |
| Securities gains (losses) | $-17,000 | 8,320 |
| Applicable income taxes | $17,000 | 6,174 |
| Income before extraordinary items | $215,000 | 6,805 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $215,000 | 6,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,220 |
| Cash dividends | $180,000 | 3,644 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $230,810 | 6,620 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,189,000 | 5,205 |
| Total interest expense | $380,000 | 4,822 |
| Net interest income | $809,000 | 5,303 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $128,000 | 5,109 |
| Gross Fiduciary activities income | $27,000 | 939 |
| Service charges on deposit accounts | $47,000 | 5,132 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 5,007 |
| Total noninterest expense | $722,000 | 4,884 |
| Salaries and employee benefits | $442,000 | 4,503 |
| Premises and equipment expense | $101,000 | 4,827 |
| Additional noninterest expense | $179,000 | 5,430 |
| Pre-tax net operating income | $140,000 | 6,689 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $10,000 | 6,081 |
| Income before extraordinary items | $130,000 | 6,396 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $130,000 | 6,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,216 |
| Cash dividends | $90,000 | 3,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $130,000 | 6,354 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,346,000 | 5,301 |
| Total interest expense | $1,295,000 | 4,907 |
| Net interest income | $3,051,000 | 5,359 |
| Provision for loan and lease losses | $155,000 | 4,178 |
| Total noninterest income | $476,000 | 5,397 |
| Gross Fiduciary activities income | $44,000 | 1,080 |
| Service charges on deposit accounts | $214,000 | 5,079 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $218,000 | 4,927 |
| Total noninterest expense | $2,833,000 | 4,865 |
| Salaries and employee benefits | $1,728,000 | 4,470 |
| Premises and equipment expense | $387,000 | 4,873 |
| Additional noninterest expense | $718,000 | 5,435 |
| Pre-tax net operating income | $539,000 | 6,587 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $33,000 | 6,294 |
| Income before extraordinary items | $506,000 | 6,332 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $506,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,148 |
| Cash dividends | $580,000 | 3,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $506,000 | 6,264 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,226,000 | 5,304 |
| Total interest expense | $948,000 | 4,932 |
| Net interest income | $2,278,000 | 5,362 |
| Provision for loan and lease losses | $95,000 | 4,360 |
| Total noninterest income | $330,000 | 5,605 |
| Gross Fiduciary activities income | $34,000 | 1,070 |
| Service charges on deposit accounts | $160,000 | 5,124 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $136,000 | 5,337 |
| Total noninterest expense | $2,096,000 | 4,854 |
| Salaries and employee benefits | $1,278,000 | 4,469 |
| Premises and equipment expense | $291,000 | 4,851 |
| Additional noninterest expense | $527,000 | 5,474 |
| Pre-tax net operating income | $417,000 | 6,662 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $23,000 | 6,442 |
| Income before extraordinary items | $394,000 | 6,371 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $394,000 | 6,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,955 |
| Cash dividends | $490,000 | 2,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $394,000 | 6,291 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 5,405 |
| Total interest expense | $625,000 | 4,985 |
| Net interest income | $1,464,000 | 5,481 |
| Provision for loan and lease losses | $38,000 | 5,097 |
| Total noninterest income | $224,000 | 5,580 |
| Gross Fiduciary activities income | $20,000 | 1,092 |
| Service charges on deposit accounts | $109,000 | 5,084 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $95,000 | 5,258 |
| Total noninterest expense | $1,388,000 | 4,912 |
| Salaries and employee benefits | $854,000 | 4,501 |
| Premises and equipment expense | $190,000 | 4,934 |
| Additional noninterest expense | $344,000 | 5,561 |
| Pre-tax net operating income | $262,000 | 6,752 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $11,000 | 6,615 |
| Income before extraordinary items | $251,000 | 6,437 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $251,000 | 6,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $345,000 | 2,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $251,000 | 6,343 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 5,502 |
| Total interest expense | $308,000 | 5,082 |
| Net interest income | $719,000 | 5,533 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $117,000 | 5,396 |
| Gross Fiduciary activities income | $18,000 | 1,012 |
| Service charges on deposit accounts | $50,000 | 5,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $49,000 | 5,162 |
| Total noninterest expense | $690,000 | 4,970 |
| Salaries and employee benefits | $426,000 | 4,519 |
| Premises and equipment expense | $101,000 | 4,760 |
| Additional noninterest expense | $163,000 | 5,749 |
| Pre-tax net operating income | $131,000 | 6,710 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $125,000 | 6,420 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $125,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $173,000 | 2,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $125,000 | 6,298 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,273,000 | 5,410 |
| Total interest expense | $1,420,000 | 5,044 |
| Net interest income | $2,853,000 | 5,461 |
| Provision for loan and lease losses | $149,000 | 4,618 |
| Total noninterest income | $435,000 | 5,780 |
| Gross Fiduciary activities income | $48,000 | 1,082 |
| Service charges on deposit accounts | $212,000 | 5,139 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $175,000 | 5,552 |
| Total noninterest expense | $2,651,000 | 5,005 |
| Salaries and employee benefits | $1,671,000 | 4,489 |
| Premises and equipment expense | $327,000 | 5,401 |
| Additional noninterest expense | $653,000 | 5,716 |
| Pre-tax net operating income | $488,000 | 6,718 |
| Securities gains (losses) | $38,000 | 2,739 |
| Applicable income taxes | $33,000 | 6,542 |
| Income before extraordinary items | $493,000 | 6,367 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $493,000 | 6,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,648 |
| Cash dividends | $445,000 | 3,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $457,280 | 6,367 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,263,000 | 5,419 |
| Total interest expense | $1,102,000 | 5,073 |
| Net interest income | $2,161,000 | 5,464 |
| Provision for loan and lease losses | $49,000 | 5,812 |
| Total noninterest income | $298,000 | 6,027 |
| Gross Fiduciary activities income | $10,000 | 1,282 |
| Service charges on deposit accounts | $155,000 | 5,235 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $133,000 | 5,568 |
| Total noninterest expense | $2,032,000 | 4,924 |
| Salaries and employee benefits | $1,270,000 | 4,438 |
| Premises and equipment expense | $240,000 | 5,461 |
| Additional noninterest expense | $522,000 | 5,498 |
| Pre-tax net operating income | $378,000 | 6,808 |
| Securities gains (losses) | $38,000 | 2,527 |
| Applicable income taxes | $52,000 | 6,175 |
| Income before extraordinary items | $364,000 | 6,572 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $364,000 | 6,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,747 |
| Cash dividends | $313,000 | 3,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $330,940 | 6,596 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,220,000 | 5,388 |
| Total interest expense | $753,000 | 5,119 |
| Net interest income | $1,467,000 | 5,396 |
| Provision for loan and lease losses | $34,000 | 5,657 |
| Total noninterest income | $189,000 | 6,125 |
| Gross Fiduciary activities income | $6,000 | 1,307 |
| Service charges on deposit accounts | $95,000 | 5,392 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $88,000 | 5,563 |
| Total noninterest expense | $1,357,000 | 4,921 |
| Salaries and employee benefits | $856,000 | 4,408 |
| Premises and equipment expense | $153,000 | 5,589 |
| Additional noninterest expense | $348,000 | 5,489 |
| Pre-tax net operating income | $265,000 | 6,736 |
| Securities gains (losses) | $38,000 | 2,204 |
| Applicable income taxes | $42,000 | 6,056 |
| Income before extraordinary items | $261,000 | 6,429 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $261,000 | 6,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $237,000 | 3,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $228,320 | 6,512 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,087,000 | 5,490 |
| Total interest expense | $373,000 | 5,244 |
| Net interest income | $714,000 | 5,487 |
| Provision for loan and lease losses | $19,000 | 5,348 |
| Total noninterest income | $104,000 | 5,817 |
| Gross Fiduciary activities income | $5,000 | 1,228 |
| Service charges on deposit accounts | $45,000 | 5,441 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 5,123 |
| Total noninterest expense | $637,000 | 5,141 |
| Salaries and employee benefits | $399,000 | 4,620 |
| Premises and equipment expense | $62,000 | 6,190 |
| Additional noninterest expense | $176,000 | 5,433 |
| Pre-tax net operating income | $162,000 | 6,310 |
| Securities gains (losses) | $38,000 | 1,549 |
| Applicable income taxes | $12,000 | 6,453 |
| Income before extraordinary items | $188,000 | 5,471 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $188,000 | 5,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $125,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $152,280 | 5,802 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,498,000 | 5,528 |
| Total interest expense | $1,894,000 | 4,987 |
| Net interest income | $2,604,000 | 5,773 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $343,000 | 6,146 |
| Gross Fiduciary activities income | $12,000 | 1,373 |
| Service charges on deposit accounts | $179,000 | 5,479 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $152,000 | 5,576 |
| Total noninterest expense | $2,572,000 | 4,989 |
| Salaries and employee benefits | $1,654,000 | 4,349 |
| Premises and equipment expense | $276,000 | 5,815 |
| Additional noninterest expense | $642,000 | 5,692 |
| Pre-tax net operating income | $345,000 | 7,383 |
| Securities gains (losses) | $239,000 | 1,054 |
| Applicable income taxes | $20,000 | 7,048 |
| Income before extraordinary items | $564,000 | 6,128 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $564,000 | 6,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,393 |
| Cash dividends | $455,000 | 3,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $332,170 | 7,059 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,620,000 | 5,885 |
| Total interest expense | $2,275,000 | 5,707 |
| Net interest income | $2,345,000 | 5,935 |
| Provision for loan and lease losses | $220,000 | 3,917 |
| Total noninterest income | $321,000 | 6,237 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $169,000 | 5,530 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $152,000 | 5,527 |
| Total noninterest expense | $2,610,000 | 4,816 |
| Salaries and employee benefits | $1,598,000 | 4,305 |
| Premises and equipment expense | $380,000 | 4,764 |
| Additional noninterest expense | $632,000 | 5,649 |
| Pre-tax net operating income | $-164,000 | 8,929 |
| Securities gains (losses) | $273,000 | 948 |
| Applicable income taxes | $11,000 | 7,558 |
| Income before extraordinary items | $98,000 | 8,352 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $98,000 | 8,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,450 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-147,700 | 8,941 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,466,000 | 6,117 |
| Total interest expense | $2,073,000 | 6,165 |
| Net interest income | $2,393,000 | 5,972 |
| Provision for loan and lease losses | $543,000 | 1,749 |
| Total noninterest income | $343,000 | 5,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 5,824 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 4,838 |
| Total noninterest expense | $2,185,000 | 5,359 |
| Salaries and employee benefits | $1,309,000 | 4,884 |
| Premises and equipment expense | $339,000 | 5,051 |
| Additional noninterest expense | $537,000 | 6,149 |
| Pre-tax net operating income | $8,000 | 9,088 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $16,000 | 7,940 |
| Income before extraordinary items | $-10,000 | 9,174 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-10,000 | 9,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 1,750 |
| Cash dividends | $410,000 | 3,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-8,720 | 9,161 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,866,000 | 6,480 |
| Total interest expense | $1,695,000 | 6,556 |
| Net interest income | $2,171,000 | 6,336 |
| Provision for loan and lease losses | $106,000 | 5,108 |
| Total noninterest income | $273,000 | 6,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 5,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 5,980 |
| Total noninterest expense | $1,918,000 | 5,836 |
| Salaries and employee benefits | $1,267,000 | 4,964 |
| Premises and equipment expense | $251,000 | 6,029 |
| Additional noninterest expense | $400,000 | 7,272 |
| Pre-tax net operating income | $420,000 | 7,491 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $35,000 | 7,904 |
| Income before extraordinary items | $392,000 | 7,033 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $392,000 | 7,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,573 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $385,560 | 7,036 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,565,000 | 6,883 |
| Total interest expense | $1,666,000 | 6,847 |
| Net interest income | $1,899,000 | 6,860 |
| Provision for loan and lease losses | $112,000 | 4,884 |
| Total noninterest income | $249,000 | 7,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,108 |
| Total noninterest expense | $1,751,000 | 6,125 |
| Salaries and employee benefits | $1,152,000 | 5,230 |
| Premises and equipment expense | $197,000 | 6,767 |
| Additional noninterest expense | $402,000 | 7,203 |
| Pre-tax net operating income | $285,000 | 8,490 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $14,000 | 8,997 |
| Income before extraordinary items | $288,000 | 7,984 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $288,000 | 7,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,413 |
| Cash dividends | $728,000 | 2,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $271,850 | 8,022 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,234,000 | 7,471 |
| Total interest expense | $1,428,000 | 7,525 |
| Net interest income | $1,806,000 | 7,307 |
| Provision for loan and lease losses | $108,000 | 5,007 |
| Total noninterest income | $226,000 | 7,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,568 |
| Total noninterest expense | $1,632,000 | 6,463 |
| Salaries and employee benefits | $1,074,000 | 5,578 |
| Premises and equipment expense | $201,000 | 6,835 |
| Additional noninterest expense | $357,000 | 7,736 |
| Pre-tax net operating income | $292,000 | 9,039 |
| Securities gains (losses) | $76,000 | 1,109 |
| Applicable income taxes | $34,000 | 9,504 |
| Income before extraordinary items | $334,000 | 8,111 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $334,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $360,000 | 4,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $264,840 | 8,604 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,194,000 | 7,736 |
| Total interest expense | $1,454,000 | 7,686 |
| Net interest income | $1,740,000 | 7,684 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $211,000 | 8,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,175 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,256 |
| Total noninterest expense | $1,643,000 | 6,730 |
| Salaries and employee benefits | $1,065,000 | 5,719 |
| Premises and equipment expense | $228,000 | 6,562 |
| Additional noninterest expense | $350,000 | 8,355 |
| Pre-tax net operating income | $284,000 | 9,237 |
| Securities gains (losses) | $76,000 | 1,096 |
| Applicable income taxes | $110,000 | 8,579 |
| Income before extraordinary items | $250,000 | 8,839 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $250,000 | 8,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $197,560 | 9,264 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,368,000 | 10,736 |
| Total interest expense | $665,000 | 10,430 |
| Net interest income | $703,000 | 10,831 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $80,000 | 10,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,448 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 9,867 |
| Total noninterest expense | $662,000 | 10,326 |
| Salaries and employee benefits | $434,000 | 9,664 |
| Premises and equipment expense | $70,000 | 10,479 |
| Additional noninterest expense | $158,000 | 10,957 |
| Pre-tax net operating income | $109,000 | 11,034 |
| Securities gains (losses) | $251,000 | 581 |
| Applicable income taxes | $98,000 | 9,217 |
| Income before extraordinary items | $262,000 | 9,308 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $262,000 | 9,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $78,770 | 11,092 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,363,000 | 11,013 |
| Total interest expense | $557,000 | 10,820 |
| Net interest income | $806,000 | 11,036 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $83,000 | 11,175 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 9,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 10,284 |
| Total noninterest expense | $664,000 | 10,855 |
| Salaries and employee benefits | $384,000 | 10,433 |
| Premises and equipment expense | $75,000 | 10,805 |
| Additional noninterest expense | $205,000 | 11,089 |
| Pre-tax net operating income | $213,000 | 10,793 |
| Securities gains (losses) | $108,000 | 741 |
| Applicable income taxes | $88,000 | 9,626 |
| Income before extraordinary items | $233,000 | 9,885 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $233,000 | 9,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $154,160 | 10,819 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,322,000 | 11,636 |
| Total interest expense | $514,000 | 11,619 |
| Net interest income | $808,000 | 11,479 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $93,000 | 11,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $688,000 | 11,222 |
| Salaries and employee benefits | $403,000 | 10,601 |
| Premises and equipment expense | $88,000 | 10,858 |
| Additional noninterest expense | $197,000 | 11,772 |
| Pre-tax net operating income | $201,000 | 11,025 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $59,000 | 10,725 |
| Income before extraordinary items | $142,000 | 11,301 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $142,000 | 11,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 8,470 |
| Cash dividends | $160,000 | 5,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $142,000 | 11,096 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,512,000 | 11,943 |
| Total interest expense | $657,000 | 12,028 |
| Net interest income | $855,000 | 11,690 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $89,000 | 12,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 10,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 11,059 |
| Total noninterest expense | $607,000 | 12,019 |
| Salaries and employee benefits | $314,000 | 11,857 |
| Premises and equipment expense | $59,000 | 12,326 |
| Additional noninterest expense | $234,000 | 11,767 |
| Pre-tax net operating income | $325,000 | 9,908 |
| Securities gains (losses) | $44,000 | 4,339 |
| Applicable income taxes | $92,000 | 10,116 |
| Income before extraordinary items | $277,000 | 9,589 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $277,000 | 9,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 12,606 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $244,000 | 9,631 |
* 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.