Home > Greater Community Bank > Income and Expense
Greater Community Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $29,454,000 | 658 |
| Total interest expense | $12,009,000 | 718 |
| Net interest income | $17,445,000 | 631 |
| Provision for loan and lease losses | $449,000 | 2,027 |
| Total noninterest income | $2,709,000 | 1,039 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,120,000 | 778 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,589,000 | 1,005 |
| Total noninterest expense | $13,297,000 | 736 |
| Salaries and employee benefits | $8,004,000 | 627 |
| Premises and equipment expense | $2,148,000 | 648 |
| Additional noninterest expense | $3,145,000 | 939 |
| Pre-tax net operating income | $6,408,000 | 553 |
| Securities gains (losses) | $-495,000 | 8,341 |
| Applicable income taxes | $2,504,000 | 437 |
| Income before extraordinary items | $3,409,000 | 807 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,409,000 | 806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,094 |
| Cash dividends | $3,900,000 | 431 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,725,800 | 715 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $15,041,000 | 665 |
| Total interest expense | $6,421,000 | 718 |
| Net interest income | $8,620,000 | 639 |
| Provision for loan and lease losses | $327,000 | 1,297 |
| Total noninterest income | $1,424,000 | 1,006 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $598,000 | 724 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $826,000 | 981 |
| Total noninterest expense | $6,495,000 | 736 |
| Salaries and employee benefits | $3,859,000 | 652 |
| Premises and equipment expense | $975,000 | 713 |
| Additional noninterest expense | $1,661,000 | 862 |
| Pre-tax net operating income | $3,222,000 | 606 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,071,000 | 550 |
| Income before extraordinary items | $2,151,000 | 718 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,151,000 | 719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 1,315 |
| Cash dividends | $2,600,000 | 334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,151,000 | 684 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $60,880,000 | 683 |
| Total interest expense | $27,436,000 | 716 |
| Net interest income | $33,444,000 | 670 |
| Provision for loan and lease losses | $1,574,000 | 1,017 |
| Total noninterest income | $5,780,000 | 975 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,646,000 | 662 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,134,000 | 978 |
| Total noninterest expense | $24,462,000 | 758 |
| Salaries and employee benefits | $14,523,000 | 665 |
| Premises and equipment expense | $3,986,000 | 668 |
| Additional noninterest expense | $5,953,000 | 948 |
| Pre-tax net operating income | $13,188,000 | 658 |
| Securities gains (losses) | $26,000 | 1,015 |
| Applicable income taxes | $3,408,000 | 726 |
| Income before extraordinary items | $9,806,000 | 666 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,806,000 | 664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 1,930 |
| Cash dividends | $1,800,000 | 1,745 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $9,786,760 | 662 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $45,291,000 | 689 |
| Total interest expense | $20,485,000 | 721 |
| Net interest income | $24,806,000 | 675 |
| Provision for loan and lease losses | $1,258,000 | 734 |
| Total noninterest income | $4,351,000 | 976 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,958,000 | 658 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,393,000 | 964 |
| Total noninterest expense | $18,036,000 | 762 |
| Salaries and employee benefits | $10,963,000 | 657 |
| Premises and equipment expense | $2,845,000 | 697 |
| Additional noninterest expense | $4,228,000 | 977 |
| Pre-tax net operating income | $9,863,000 | 710 |
| Securities gains (losses) | $26,000 | 768 |
| Applicable income taxes | $1,845,000 | 1,023 |
| Income before extraordinary items | $8,044,000 | 652 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $8,044,000 | 650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 1,242 |
| Cash dividends | $1,800,000 | 1,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $8,022,940 | 642 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $29,796,000 | 713 |
| Total interest expense | $13,337,000 | 740 |
| Net interest income | $16,459,000 | 695 |
| Provision for loan and lease losses | $644,000 | 829 |
| Total noninterest income | $2,761,000 | 1,031 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,314,000 | 662 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,447,000 | 1,073 |
| Total noninterest expense | $11,986,000 | 778 |
| Salaries and employee benefits | $7,436,000 | 670 |
| Premises and equipment expense | $1,961,000 | 699 |
| Additional noninterest expense | $2,589,000 | 1,073 |
| Pre-tax net operating income | $6,590,000 | 742 |
| Securities gains (losses) | $26,000 | 656 |
| Applicable income taxes | $779,000 | 1,516 |
| Income before extraordinary items | $5,837,000 | 633 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,837,000 | 632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,609 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,814,120 | 625 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $14,607,000 | 718 |
| Total interest expense | $6,416,000 | 757 |
| Net interest income | $8,191,000 | 687 |
| Provision for loan and lease losses | $313,000 | 766 |
| Total noninterest income | $1,414,000 | 998 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $681,000 | 616 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $733,000 | 1,046 |
| Total noninterest expense | $6,338,000 | 738 |
| Salaries and employee benefits | $3,738,000 | 669 |
| Premises and equipment expense | $940,000 | 725 |
| Additional noninterest expense | $1,660,000 | 826 |
| Pre-tax net operating income | $2,954,000 | 808 |
| Securities gains (losses) | $26,000 | 508 |
| Applicable income taxes | $954,000 | 763 |
| Income before extraordinary items | $2,026,000 | 879 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,026,000 | 878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 1,544 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,008,320 | 871 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $54,890,000 | 705 |
| Total interest expense | $21,045,000 | 798 |
| Net interest income | $33,845,000 | 655 |
| Provision for loan and lease losses | $717,000 | 1,390 |
| Total noninterest income | $5,346,000 | 1,034 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,755,000 | 625 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,591,000 | 1,108 |
| Total noninterest expense | $23,790,000 | 734 |
| Salaries and employee benefits | $13,675,000 | 680 |
| Premises and equipment expense | $3,469,000 | 735 |
| Additional noninterest expense | $6,646,000 | 812 |
| Pre-tax net operating income | $14,684,000 | 699 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $7,825,000 | 463 |
| Income before extraordinary items | $6,859,000 | 1,084 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,859,000 | 1,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,401 |
| Cash dividends | $3,800,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,859,000 | 1,068 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $40,571,000 | 719 |
| Total interest expense | $14,936,000 | 828 |
| Net interest income | $25,635,000 | 668 |
| Provision for loan and lease losses | $491,000 | 1,412 |
| Total noninterest income | $3,978,000 | 1,051 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,103,000 | 611 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,875,000 | 1,151 |
| Total noninterest expense | $17,243,000 | 776 |
| Salaries and employee benefits | $10,432,000 | 680 |
| Premises and equipment expense | $2,606,000 | 745 |
| Additional noninterest expense | $4,205,000 | 949 |
| Pre-tax net operating income | $11,879,000 | 684 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,873,000 | 650 |
| Income before extraordinary items | $8,006,000 | 730 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $8,006,000 | 729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 1,903 |
| Cash dividends | $2,200,000 | 1,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $8,006,000 | 726 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $26,720,000 | 711 |
| Total interest expense | $9,351,000 | 832 |
| Net interest income | $17,369,000 | 663 |
| Provision for loan and lease losses | $314,000 | 1,414 |
| Total noninterest income | $2,621,000 | 1,061 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,417,000 | 599 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,204,000 | 1,186 |
| Total noninterest expense | $11,801,000 | 760 |
| Salaries and employee benefits | $7,247,000 | 668 |
| Premises and equipment expense | $1,724,000 | 754 |
| Additional noninterest expense | $2,830,000 | 947 |
| Pre-tax net operating income | $7,875,000 | 685 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,553,000 | 665 |
| Income before extraordinary items | $5,322,000 | 737 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,322,000 | 737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 1,615 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,322,000 | 726 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $13,437,000 | 687 |
| Total interest expense | $4,537,000 | 812 |
| Net interest income | $8,900,000 | 635 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,140,000 | 1,161 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $679,000 | 608 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $461,000 | 1,428 |
| Total noninterest expense | $5,781,000 | 777 |
| Salaries and employee benefits | $3,368,000 | 703 |
| Premises and equipment expense | $874,000 | 744 |
| Additional noninterest expense | $1,539,000 | 864 |
| Pre-tax net operating income | $4,259,000 | 633 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,407,000 | 613 |
| Income before extraordinary items | $2,852,000 | 684 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,852,000 | 683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,147 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,852,000 | 669 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $30,605,000 | 1,075 |
| Total interest expense | $9,297,000 | 1,218 |
| Net interest income | $21,308,000 | 996 |
| Provision for loan and lease losses | $701,000 | 1,419 |
| Total noninterest income | $3,112,000 | 1,556 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,589,000 | 1,121 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,523,000 | 1,639 |
| Total noninterest expense | $15,372,000 | 1,115 |
| Salaries and employee benefits | $8,749,000 | 1,056 |
| Premises and equipment expense | $2,438,000 | 990 |
| Additional noninterest expense | $4,185,000 | 1,242 |
| Pre-tax net operating income | $8,347,000 | 1,156 |
| Securities gains (losses) | $85,000 | 756 |
| Applicable income taxes | $2,792,000 | 1,017 |
| Income before extraordinary items | $5,640,000 | 1,272 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,640,000 | 1,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 1,617 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,583,050 | 1,266 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $22,330,000 | 1,069 |
| Total interest expense | $6,648,000 | 1,195 |
| Net interest income | $15,682,000 | 1,002 |
| Provision for loan and lease losses | $485,000 | 1,439 |
| Total noninterest income | $2,359,000 | 1,541 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,233,000 | 1,078 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,126,000 | 1,663 |
| Total noninterest expense | $11,668,000 | 1,082 |
| Salaries and employee benefits | $6,804,000 | 1,004 |
| Premises and equipment expense | $1,907,000 | 933 |
| Additional noninterest expense | $2,957,000 | 1,291 |
| Pre-tax net operating income | $5,888,000 | 1,214 |
| Securities gains (losses) | $85,000 | 708 |
| Applicable income taxes | $1,878,000 | 1,131 |
| Income before extraordinary items | $4,095,000 | 1,326 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,095,000 | 1,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 1,206 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,036,350 | 1,315 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,533,000 | 1,066 |
| Total interest expense | $4,215,000 | 1,187 |
| Net interest income | $10,318,000 | 1,010 |
| Provision for loan and lease losses | $325,000 | 1,417 |
| Total noninterest income | $1,557,000 | 1,547 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $806,000 | 1,073 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $751,000 | 1,658 |
| Total noninterest expense | $7,733,000 | 1,081 |
| Salaries and employee benefits | $4,540,000 | 997 |
| Premises and equipment expense | $1,270,000 | 921 |
| Additional noninterest expense | $1,923,000 | 1,296 |
| Pre-tax net operating income | $3,817,000 | 1,223 |
| Securities gains (losses) | $85,000 | 623 |
| Applicable income taxes | $1,225,000 | 1,144 |
| Income before extraordinary items | $2,677,000 | 1,315 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,677,000 | 1,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 1,032 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,618,350 | 1,316 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,000,000 | 1,089 |
| Total interest expense | $2,000,000 | 1,183 |
| Net interest income | $5,000,000 | 1,038 |
| Provision for loan and lease losses | $155,000 | 1,354 |
| Total noninterest income | $746,000 | 1,578 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $399,000 | 1,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $347,000 | 1,707 |
| Total noninterest expense | $3,829,000 | 1,087 |
| Salaries and employee benefits | $2,259,000 | 983 |
| Premises and equipment expense | $648,000 | 911 |
| Additional noninterest expense | $922,000 | 1,345 |
| Pre-tax net operating income | $1,762,000 | 1,304 |
| Securities gains (losses) | $85,000 | 407 |
| Applicable income taxes | $581,000 | 1,174 |
| Income before extraordinary items | $1,266,000 | 1,361 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,266,000 | 1,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,985 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,207,350 | 1,380 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $25,984,000 | 1,090 |
| Total interest expense | $7,099,000 | 1,140 |
| Net interest income | $18,885,000 | 1,055 |
| Provision for loan and lease losses | $809,000 | 1,271 |
| Total noninterest income | $3,011,000 | 1,595 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,525,000 | 1,175 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,486,000 | 1,648 |
| Total noninterest expense | $13,798,000 | 1,184 |
| Salaries and employee benefits | $7,931,000 | 1,092 |
| Premises and equipment expense | $2,379,000 | 959 |
| Additional noninterest expense | $3,488,000 | 1,425 |
| Pre-tax net operating income | $7,289,000 | 1,191 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $2,706,000 | 973 |
| Income before extraordinary items | $4,584,000 | 1,408 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,584,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 1,742 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,583,360 | 1,367 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,288,000 | 1,086 |
| Total interest expense | $5,230,000 | 1,139 |
| Net interest income | $14,058,000 | 1,051 |
| Provision for loan and lease losses | $692,000 | 1,097 |
| Total noninterest income | $2,221,000 | 1,633 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,152,000 | 1,158 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,069,000 | 1,698 |
| Total noninterest expense | $10,639,000 | 1,143 |
| Salaries and employee benefits | $6,165,000 | 1,041 |
| Premises and equipment expense | $1,797,000 | 948 |
| Additional noninterest expense | $2,677,000 | 1,385 |
| Pre-tax net operating income | $4,948,000 | 1,323 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $1,458,000 | 1,306 |
| Income before extraordinary items | $3,491,000 | 1,406 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,491,000 | 1,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,340 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,490,290 | 1,362 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,764,000 | 1,084 |
| Total interest expense | $3,432,000 | 1,152 |
| Net interest income | $9,332,000 | 1,047 |
| Provision for loan and lease losses | $537,000 | 923 |
| Total noninterest income | $1,505,000 | 1,585 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $761,000 | 1,159 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $744,000 | 1,639 |
| Total noninterest expense | $7,069,000 | 1,142 |
| Salaries and employee benefits | $4,142,000 | 1,027 |
| Premises and equipment expense | $1,186,000 | 962 |
| Additional noninterest expense | $1,741,000 | 1,390 |
| Pre-tax net operating income | $3,231,000 | 1,323 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $948,000 | 1,338 |
| Income before extraordinary items | $2,284,000 | 1,420 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,284,000 | 1,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 1,318 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,283,290 | 1,363 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,516,000 | 1,066 |
| Total interest expense | $1,681,000 | 1,188 |
| Net interest income | $4,835,000 | 1,015 |
| Provision for loan and lease losses | $271,000 | 893 |
| Total noninterest income | $779,000 | 1,531 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $383,000 | 1,122 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $396,000 | 1,547 |
| Total noninterest expense | $3,577,000 | 1,134 |
| Salaries and employee benefits | $2,081,000 | 1,041 |
| Premises and equipment expense | $611,000 | 944 |
| Additional noninterest expense | $885,000 | 1,365 |
| Pre-tax net operating income | $1,766,000 | 1,193 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $535,000 | 1,234 |
| Income before extraordinary items | $1,232,000 | 1,308 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,232,000 | 1,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,912 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,231,300 | 1,249 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $24,381,000 | 1,164 |
| Total interest expense | $6,941,000 | 1,273 |
| Net interest income | $17,440,000 | 1,110 |
| Provision for loan and lease losses | $1,715,000 | 727 |
| Total noninterest income | $3,251,000 | 1,575 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,442,000 | 1,206 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,809,000 | 1,577 |
| Total noninterest expense | $14,038,000 | 1,152 |
| Salaries and employee benefits | $8,232,000 | 1,029 |
| Premises and equipment expense | $2,411,000 | 931 |
| Additional noninterest expense | $3,395,000 | 1,444 |
| Pre-tax net operating income | $4,938,000 | 1,648 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $1,359,000 | 1,765 |
| Income before extraordinary items | $3,583,000 | 1,737 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,583,000 | 1,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,272,000 | 762 |
| Cash dividends | $1,854,000 | 1,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,580,080 | 1,654 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,361,000 | 1,190 |
| Total interest expense | $5,314,000 | 1,304 |
| Net interest income | $13,047,000 | 1,129 |
| Provision for loan and lease losses | $1,443,000 | 670 |
| Total noninterest income | $2,438,000 | 1,622 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,063,000 | 1,237 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,375,000 | 1,631 |
| Total noninterest expense | $10,753,000 | 1,138 |
| Salaries and employee benefits | $6,280,000 | 1,032 |
| Premises and equipment expense | $1,799,000 | 949 |
| Additional noninterest expense | $2,674,000 | 1,379 |
| Pre-tax net operating income | $3,289,000 | 1,897 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $863,000 | 2,089 |
| Income before extraordinary items | $2,430,000 | 1,981 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,430,000 | 1,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,228,000 | 606 |
| Cash dividends | $1,854,000 | 1,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,427,040 | 1,876 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,496,000 | 1,177 |
| Total interest expense | $3,610,000 | 1,326 |
| Net interest income | $8,886,000 | 1,098 |
| Provision for loan and lease losses | $264,000 | 2,054 |
| Total noninterest income | $1,371,000 | 1,843 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $706,000 | 1,224 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $665,000 | 2,045 |
| Total noninterest expense | $6,869,000 | 1,184 |
| Salaries and employee benefits | $3,837,000 | 1,106 |
| Premises and equipment expense | $1,202,000 | 952 |
| Additional noninterest expense | $1,830,000 | 1,351 |
| Pre-tax net operating income | $3,124,000 | 1,370 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $953,000 | 1,423 |
| Income before extraordinary items | $2,175,000 | 1,503 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,175,000 | 1,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,160 |
| Cash dividends | $1,854,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,172,200 | 1,405 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,386,000 | 1,150 |
| Total interest expense | $1,850,000 | 1,317 |
| Net interest income | $4,536,000 | 1,078 |
| Provision for loan and lease losses | $216,000 | 1,287 |
| Total noninterest income | $636,000 | 1,912 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $334,000 | 1,254 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $302,000 | 2,098 |
| Total noninterest expense | $3,485,000 | 1,151 |
| Salaries and employee benefits | $1,907,000 | 1,106 |
| Premises and equipment expense | $625,000 | 921 |
| Additional noninterest expense | $953,000 | 1,282 |
| Pre-tax net operating income | $1,471,000 | 1,452 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $449,000 | 1,502 |
| Income before extraordinary items | $1,022,000 | 1,573 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,022,000 | 1,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,180 |
| Cash dividends | $832,000 | 797 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,022,000 | 1,475 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $26,560,000 | 1,155 |
| Total interest expense | $8,215,000 | 1,371 |
| Net interest income | $18,345,000 | 1,049 |
| Provision for loan and lease losses | $560,000 | 2,185 |
| Total noninterest income | $3,084,000 | 1,524 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,343,000 | 1,205 |
| Trading account gains and fees | $-9,000 | 9,290 |
| Additional Noninterest Income | $1,750,000 | 1,457 |
| Total noninterest expense | $12,527,000 | 1,222 |
| Salaries and employee benefits | $6,804,000 | 1,184 |
| Premises and equipment expense | $2,210,000 | 989 |
| Additional noninterest expense | $3,513,000 | 1,358 |
| Pre-tax net operating income | $8,342,000 | 1,011 |
| Securities gains (losses) | $51,000 | 2,387 |
| Applicable income taxes | $2,689,000 | 1,025 |
| Income before extraordinary items | $5,704,000 | 1,100 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,704,000 | 1,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,280 |
| Cash dividends | $4,782,000 | 652 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,669,320 | 1,065 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,152,000 | 1,218 |
| Total interest expense | $12,495,000 | 1,308 |
| Net interest income | $15,657,000 | 1,135 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $1,984,000 | 2,029 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,277,000 | 1,162 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $707,000 | 2,558 |
| Total noninterest expense | $9,993,000 | 1,473 |
| Salaries and employee benefits | $5,217,000 | 1,456 |
| Premises and equipment expense | $1,860,000 | 1,141 |
| Additional noninterest expense | $2,916,000 | 1,591 |
| Pre-tax net operating income | $7,288,000 | 1,022 |
| Securities gains (losses) | $290,000 | 912 |
| Applicable income taxes | $2,706,000 | 906 |
| Income before extraordinary items | $4,872,000 | 1,117 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,872,000 | 1,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,483 |
| Cash dividends | $3,119,000 | 888 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,686,400 | 1,117 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $28,492,000 | 1,242 |
| Total interest expense | $12,808,000 | 1,355 |
| Net interest income | $15,684,000 | 1,119 |
| Provision for loan and lease losses | $360,000 | 2,489 |
| Total noninterest income | $1,730,000 | 2,087 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,019,000 | 1,330 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $711,000 | 2,335 |
| Total noninterest expense | $9,754,000 | 1,427 |
| Salaries and employee benefits | $4,887,000 | 1,450 |
| Premises and equipment expense | $1,931,000 | 1,037 |
| Additional noninterest expense | $2,936,000 | 1,521 |
| Pre-tax net operating income | $7,300,000 | 1,041 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,783,000 | 878 |
| Income before extraordinary items | $4,517,000 | 1,173 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,517,000 | 1,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,835 |
| Cash dividends | $4,534,000 | 675 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,517,000 | 1,169 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,537,000 | 1,326 |
| Total interest expense | $10,785,000 | 1,386 |
| Net interest income | $13,752,000 | 1,273 |
| Provision for loan and lease losses | $620,000 | 1,457 |
| Total noninterest income | $1,677,000 | 2,125 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,003,000 | 1,307 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $674,000 | 2,440 |
| Total noninterest expense | $9,489,000 | 1,458 |
| Salaries and employee benefits | $4,883,000 | 1,413 |
| Premises and equipment expense | $1,831,000 | 1,097 |
| Additional noninterest expense | $2,775,000 | 1,609 |
| Pre-tax net operating income | $5,320,000 | 1,428 |
| Securities gains (losses) | $12,000 | 1,656 |
| Applicable income taxes | $2,060,000 | 1,200 |
| Income before extraordinary items | $3,272,000 | 1,630 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,272,000 | 1,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,769 |
| Cash dividends | $972,000 | 2,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,264,320 | 1,604 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,840,000 | 2,064 |
| Total interest expense | $6,375,000 | 2,358 |
| Net interest income | $9,465,000 | 1,807 |
| Provision for loan and lease losses | $425,000 | 1,959 |
| Total noninterest income | $1,204,000 | 2,679 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $892,000 | 1,406 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $312,000 | 3,935 |
| Total noninterest expense | $6,146,000 | 2,126 |
| Salaries and employee benefits | $3,050,000 | 2,220 |
| Premises and equipment expense | $1,463,000 | 1,327 |
| Additional noninterest expense | $1,633,000 | 2,563 |
| Pre-tax net operating income | $4,098,000 | 1,778 |
| Securities gains (losses) | $57,000 | 1,648 |
| Applicable income taxes | $1,557,000 | 1,567 |
| Income before extraordinary items | $2,598,000 | 2,015 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,598,000 | 2,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-277,000 | 10,384 |
| Cash dividends | $1,257,000 | 1,882 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,561,520 | 1,963 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,710,000 | 2,381 |
| Total interest expense | $5,241,000 | 2,857 |
| Net interest income | $8,469,000 | 2,055 |
| Provision for loan and lease losses | $360,000 | 2,248 |
| Total noninterest income | $1,092,000 | 2,837 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $822,000 | 1,578 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $270,000 | 4,175 |
| Total noninterest expense | $5,512,000 | 2,350 |
| Salaries and employee benefits | $2,740,000 | 2,429 |
| Premises and equipment expense | $1,414,000 | 1,383 |
| Additional noninterest expense | $1,358,000 | 2,989 |
| Pre-tax net operating income | $3,689,000 | 2,039 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $1,364,000 | 1,857 |
| Income before extraordinary items | $2,332,000 | 2,255 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,332,000 | 2,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 2,009 |
| Cash dividends | $680,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,327,520 | 2,199 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,831,000 | 2,607 |
| Total interest expense | $4,768,000 | 3,132 |
| Net interest income | $8,063,000 | 2,235 |
| Provision for loan and lease losses | $360,000 | 2,253 |
| Total noninterest income | $873,000 | 3,471 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $712,000 | 1,908 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $161,000 | 5,764 |
| Total noninterest expense | $5,771,000 | 2,384 |
| Salaries and employee benefits | $2,643,000 | 2,522 |
| Premises and equipment expense | $1,306,000 | 1,555 |
| Additional noninterest expense | $1,822,000 | 2,665 |
| Pre-tax net operating income | $2,805,000 | 2,505 |
| Securities gains (losses) | $60,000 | 1,226 |
| Applicable income taxes | $1,051,000 | 2,246 |
| Income before extraordinary items | $1,814,000 | 2,684 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,814,000 | 2,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,492 |
| Cash dividends | $1,223,000 | 1,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,775,600 | 2,690 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,376,000 | 2,929 |
| Total interest expense | $4,183,000 | 3,550 |
| Net interest income | $7,193,000 | 2,492 |
| Provision for loan and lease losses | $330,000 | 2,136 |
| Total noninterest income | $803,000 | 3,678 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $600,000 | 2,268 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $203,000 | 5,099 |
| Total noninterest expense | $5,230,000 | 2,593 |
| Salaries and employee benefits | $2,215,000 | 3,007 |
| Premises and equipment expense | $1,135,000 | 1,777 |
| Additional noninterest expense | $1,880,000 | 2,536 |
| Pre-tax net operating income | $2,436,000 | 2,924 |
| Securities gains (losses) | $68,000 | 1,130 |
| Applicable income taxes | $974,000 | 2,439 |
| Income before extraordinary items | $1,530,000 | 3,191 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,530,000 | 3,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $862,000 | 966 |
| Cash dividends | $325,000 | 4,333 |
| Sale, conversion, retirement of capital stock, net | $2,002,000 | 206 |
| Net operating income | $1,486,480 | 3,248 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,720,000 | 4,385 |
| Total interest expense | $2,009,000 | 5,595 |
| Net interest income | $4,711,000 | 3,758 |
| Provision for loan and lease losses | $130,000 | 3,886 |
| Total noninterest income | $506,000 | 5,255 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $367,000 | 3,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 6,445 |
| Total noninterest expense | $3,230,000 | 4,136 |
| Salaries and employee benefits | $1,461,000 | 4,378 |
| Premises and equipment expense | $636,000 | 3,097 |
| Additional noninterest expense | $1,133,000 | 4,261 |
| Pre-tax net operating income | $1,857,000 | 3,647 |
| Securities gains (losses) | $-71,000 | 11,310 |
| Applicable income taxes | $660,000 | 3,235 |
| Income before extraordinary items | $1,126,000 | 4,090 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,126,000 | 4,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,790 |
| Cash dividends | $175,000 | 5,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,171,440 | 3,985 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,840,000 | 5,071 |
| Total interest expense | $1,883,000 | 6,130 |
| Net interest income | $3,957,000 | 4,451 |
| Provision for loan and lease losses | $392,000 | 2,501 |
| Total noninterest income | $599,000 | 4,967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,731 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $233,000 | 5,208 |
| Total noninterest expense | $2,852,000 | 4,710 |
| Salaries and employee benefits | $1,287,000 | 4,925 |
| Premises and equipment expense | $566,000 | 3,498 |
| Additional noninterest expense | $999,000 | 4,929 |
| Pre-tax net operating income | $1,312,000 | 4,826 |
| Securities gains (losses) | $63,000 | 3,105 |
| Applicable income taxes | $539,000 | 3,928 |
| Income before extraordinary items | $836,000 | 5,381 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $836,000 | 5,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $539,000 | 1,690 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $795,680 | 5,359 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,914,000 | 5,560 |
| Total interest expense | $2,124,000 | 6,807 |
| Net interest income | $3,790,000 | 4,671 |
| Provision for loan and lease losses | $870,000 | 2,036 |
| Total noninterest income | $547,000 | 5,293 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 4,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 5,472 |
| Total noninterest expense | $2,527,000 | 5,267 |
| Salaries and employee benefits | $1,056,000 | 5,760 |
| Premises and equipment expense | $546,000 | 3,669 |
| Additional noninterest expense | $925,000 | 5,396 |
| Pre-tax net operating income | $940,000 | 5,903 |
| Securities gains (losses) | $81,000 | 3,352 |
| Applicable income taxes | $334,000 | 5,534 |
| Income before extraordinary items | $687,000 | 6,003 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $687,000 | 6,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 4,162 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $632,730 | 5,998 |
* 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.