Home > Greers Ferry Lake State Bank > Income and Expense
Greers Ferry Lake State Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,750,000 | 6,459 |
| Total interest expense | $942,000 | 5,727 |
| Net interest income | $808,000 | 6,941 |
| Provision for loan and lease losses | $5,000 | 6,509 |
| Total noninterest income | $291,000 | 4,699 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $232,000 | 3,171 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $59,000 | 5,884 |
| Total noninterest expense | $752,000 | 6,917 |
| Salaries and employee benefits | $356,000 | 7,203 |
| Premises and equipment expense | $180,000 | 5,427 |
| Additional noninterest expense | $216,000 | 6,933 |
| Pre-tax net operating income | $342,000 | 5,084 |
| Securities gains (losses) | $5,000 | 2,725 |
| Applicable income taxes | $66,000 | 3,840 |
| Income before extraordinary items | $281,000 | 5,115 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $281,000 | 5,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,886 |
| Cash dividends | $124,000 | 3,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $276,950 | 5,067 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $885,000 | 6,508 |
| Total interest expense | $475,000 | 5,886 |
| Net interest income | $410,000 | 6,957 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $144,000 | 4,696 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $114,000 | 3,168 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $30,000 | 5,904 |
| Total noninterest expense | $393,000 | 6,859 |
| Salaries and employee benefits | $189,000 | 7,104 |
| Premises and equipment expense | $86,000 | 5,563 |
| Additional noninterest expense | $118,000 | 6,754 |
| Pre-tax net operating income | $161,000 | 5,339 |
| Securities gains (losses) | $5,000 | 2,232 |
| Applicable income taxes | $36,000 | 3,885 |
| Income before extraordinary items | $130,000 | 5,447 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $130,000 | 5,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,346 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $126,100 | 5,405 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,416,000 | 6,572 |
| Total interest expense | $1,677,000 | 6,206 |
| Net interest income | $1,739,000 | 6,830 |
| Provision for loan and lease losses | $15,000 | 6,431 |
| Total noninterest income | $650,000 | 4,463 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $526,000 | 2,934 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $124,000 | 5,886 |
| Total noninterest expense | $1,581,000 | 6,797 |
| Salaries and employee benefits | $738,000 | 7,159 |
| Premises and equipment expense | $369,000 | 5,259 |
| Additional noninterest expense | $474,000 | 6,704 |
| Pre-tax net operating income | $793,000 | 5,192 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $234,000 | 3,683 |
| Income before extraordinary items | $560,000 | 5,483 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $560,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,215 |
| Cash dividends | $388,000 | 4,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $559,290 | 5,472 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 6,638 |
| Total interest expense | $1,247,000 | 6,248 |
| Net interest income | $1,276,000 | 6,909 |
| Provision for loan and lease losses | $15,000 | 5,999 |
| Total noninterest income | $485,000 | 4,480 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $389,000 | 2,968 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $96,000 | 5,873 |
| Total noninterest expense | $1,184,000 | 6,783 |
| Salaries and employee benefits | $540,000 | 7,167 |
| Premises and equipment expense | $282,000 | 5,185 |
| Additional noninterest expense | $362,000 | 6,648 |
| Pre-tax net operating income | $562,000 | 5,555 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $210,000 | 3,667 |
| Income before extraordinary items | $353,000 | 6,040 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $353,000 | 6,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,863 |
| Cash dividends | $263,000 | 3,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $352,360 | 6,031 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,670,000 | 6,694 |
| Total interest expense | $826,000 | 6,297 |
| Net interest income | $844,000 | 6,977 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $329,000 | 4,470 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $262,000 | 2,934 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $67,000 | 5,821 |
| Total noninterest expense | $777,000 | 6,872 |
| Salaries and employee benefits | $369,000 | 7,172 |
| Premises and equipment expense | $182,000 | 5,314 |
| Additional noninterest expense | $226,000 | 6,830 |
| Pre-tax net operating income | $396,000 | 5,544 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $90,000 | 4,229 |
| Income before extraordinary items | $307,000 | 5,606 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $307,000 | 5,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,176 |
| Cash dividends | $218,000 | 3,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $306,230 | 5,587 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $838,000 | 6,723 |
| Total interest expense | $408,000 | 6,332 |
| Net interest income | $430,000 | 6,953 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $167,000 | 4,400 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $130,000 | 2,901 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $37,000 | 5,638 |
| Total noninterest expense | $387,000 | 6,906 |
| Salaries and employee benefits | $196,000 | 7,093 |
| Premises and equipment expense | $81,000 | 5,658 |
| Additional noninterest expense | $110,000 | 6,904 |
| Pre-tax net operating income | $210,000 | 5,408 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $30,000 | 4,619 |
| Income before extraordinary items | $180,000 | 5,289 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $180,000 | 5,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,253 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $180,000 | 5,272 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,130,000 | 6,678 |
| Total interest expense | $1,354,000 | 6,329 |
| Net interest income | $1,776,000 | 6,827 |
| Provision for loan and lease losses | $135,000 | 4,209 |
| Total noninterest income | $659,000 | 4,501 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $522,000 | 2,966 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $137,000 | 5,790 |
| Total noninterest expense | $1,518,000 | 6,859 |
| Salaries and employee benefits | $737,000 | 7,159 |
| Premises and equipment expense | $315,000 | 5,617 |
| Additional noninterest expense | $466,000 | 6,701 |
| Pre-tax net operating income | $782,000 | 5,703 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $260,000 | 3,988 |
| Income before extraordinary items | $522,000 | 6,071 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $522,000 | 6,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,321 |
| Cash dividends | $400,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $522,000 | 6,070 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,332,000 | 6,731 |
| Total interest expense | $967,000 | 6,387 |
| Net interest income | $1,365,000 | 6,853 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $506,000 | 4,445 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $390,000 | 2,994 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $116,000 | 5,580 |
| Total noninterest expense | $1,150,000 | 6,843 |
| Salaries and employee benefits | $566,000 | 7,092 |
| Premises and equipment expense | $237,000 | 5,629 |
| Additional noninterest expense | $347,000 | 6,738 |
| Pre-tax net operating income | $586,000 | 5,911 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $177,000 | 4,294 |
| Income before extraordinary items | $409,000 | 6,184 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $409,000 | 6,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,367 |
| Cash dividends | $400,000 | 3,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $409,000 | 6,189 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,575,000 | 6,684 |
| Total interest expense | $610,000 | 6,420 |
| Net interest income | $965,000 | 6,743 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $367,000 | 4,241 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $262,000 | 2,964 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $105,000 | 5,032 |
| Total noninterest expense | $787,000 | 6,819 |
| Salaries and employee benefits | $374,000 | 7,142 |
| Premises and equipment expense | $160,000 | 5,602 |
| Additional noninterest expense | $253,000 | 6,540 |
| Pre-tax net operating income | $455,000 | 5,624 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $147,000 | 4,035 |
| Income before extraordinary items | $308,000 | 5,957 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $308,000 | 5,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $200,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $308,000 | 5,956 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $753,000 | 6,774 |
| Total interest expense | $291,000 | 6,440 |
| Net interest income | $462,000 | 6,881 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $139,000 | 4,857 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $122,000 | 3,048 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 6,929 |
| Total noninterest expense | $401,000 | 6,771 |
| Salaries and employee benefits | $193,000 | 7,085 |
| Premises and equipment expense | $71,000 | 5,930 |
| Additional noninterest expense | $137,000 | 6,320 |
| Pre-tax net operating income | $170,000 | 6,165 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $62,000 | 4,220 |
| Income before extraordinary items | $108,000 | 6,599 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $108,000 | 6,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $108,000 | 6,595 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,765,000 | 6,783 |
| Total interest expense | $997,000 | 6,302 |
| Net interest income | $1,768,000 | 6,941 |
| Provision for loan and lease losses | $185,000 | 3,710 |
| Total noninterest income | $385,000 | 5,799 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $383,000 | 3,659 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,000 | 8,635 |
| Total noninterest expense | $1,434,000 | 7,007 |
| Salaries and employee benefits | $726,000 | 7,171 |
| Premises and equipment expense | $282,000 | 5,893 |
| Additional noninterest expense | $426,000 | 6,956 |
| Pre-tax net operating income | $534,000 | 6,638 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $170,000 | 4,867 |
| Income before extraordinary items | $364,000 | 6,914 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $364,000 | 6,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,305 |
| Cash dividends | $325,000 | 4,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $364,000 | 6,903 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,061,000 | 6,799 |
| Total interest expense | $725,000 | 6,269 |
| Net interest income | $1,336,000 | 6,957 |
| Provision for loan and lease losses | $175,000 | 3,250 |
| Total noninterest income | $303,000 | 5,747 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $246,000 | 3,999 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,861 |
| Total noninterest expense | $1,069,000 | 7,017 |
| Salaries and employee benefits | $540,000 | 7,176 |
| Premises and equipment expense | $222,000 | 5,778 |
| Additional noninterest expense | $307,000 | 7,054 |
| Pre-tax net operating income | $395,000 | 6,813 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $178,000 | 4,587 |
| Income before extraordinary items | $217,000 | 7,352 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $217,000 | 7,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,688 |
| Cash dividends | $200,000 | 4,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $217,000 | 7,325 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,387,000 | 6,735 |
| Total interest expense | $469,000 | 6,198 |
| Net interest income | $918,000 | 6,874 |
| Provision for loan and lease losses | $130,000 | 2,894 |
| Total noninterest income | $201,000 | 5,719 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $159,000 | 4,016 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $42,000 | 6,689 |
| Total noninterest expense | $671,000 | 7,159 |
| Salaries and employee benefits | $343,000 | 7,306 |
| Premises and equipment expense | $141,000 | 5,896 |
| Additional noninterest expense | $187,000 | 7,228 |
| Pre-tax net operating income | $318,000 | 6,476 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $119,000 | 4,583 |
| Income before extraordinary items | $199,000 | 6,948 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $199,000 | 6,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 1,596 |
| Cash dividends | $75,000 | 4,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $199,000 | 6,893 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $695,000 | 6,767 |
| Total interest expense | $227,000 | 6,211 |
| Net interest income | $468,000 | 6,881 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $98,000 | 5,732 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $73,000 | 4,143 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $313,000 | 7,355 |
| Salaries and employee benefits | $154,000 | 7,601 |
| Premises and equipment expense | $69,000 | 5,998 |
| Additional noninterest expense | $90,000 | 7,360 |
| Pre-tax net operating income | $193,000 | 6,040 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $59,000 | 4,561 |
| Income before extraordinary items | $134,000 | 6,335 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $134,000 | 6,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,912 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $134,000 | 6,291 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,790,000 | 6,626 |
| Total interest expense | $793,000 | 6,289 |
| Net interest income | $1,997,000 | 6,631 |
| Provision for loan and lease losses | $195,000 | 3,736 |
| Total noninterest income | $376,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $289,000 | 4,400 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $87,000 | 6,638 |
| Total noninterest expense | $1,256,000 | 7,343 |
| Salaries and employee benefits | $662,000 | 7,426 |
| Premises and equipment expense | $210,000 | 6,637 |
| Additional noninterest expense | $384,000 | 7,218 |
| Pre-tax net operating income | $922,000 | 5,438 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $317,000 | 4,097 |
| Income before extraordinary items | $605,000 | 5,932 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $605,000 | 5,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $415,000 | 1,550 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $605,000 | 5,860 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,100,000 | 6,627 |
| Total interest expense | $581,000 | 6,328 |
| Net interest income | $1,519,000 | 6,596 |
| Provision for loan and lease losses | $155,000 | 3,470 |
| Total noninterest income | $275,000 | 6,019 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $216,000 | 4,439 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 6,825 |
| Total noninterest expense | $929,000 | 7,342 |
| Salaries and employee benefits | $469,000 | 7,508 |
| Premises and equipment expense | $168,000 | 6,459 |
| Additional noninterest expense | $292,000 | 7,155 |
| Pre-tax net operating income | $710,000 | 5,487 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $285,000 | 3,877 |
| Income before extraordinary items | $425,000 | 6,172 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $425,000 | 6,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $385,000 | 1,204 |
| Cash dividends | $200,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $425,000 | 6,104 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 6,631 |
| Total interest expense | $386,000 | 6,372 |
| Net interest income | $1,031,000 | 6,578 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $185,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $144,000 | 4,417 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $41,000 | 6,763 |
| Total noninterest expense | $601,000 | 7,455 |
| Salaries and employee benefits | $317,000 | 7,532 |
| Premises and equipment expense | $102,000 | 6,737 |
| Additional noninterest expense | $182,000 | 7,348 |
| Pre-tax net operating income | $525,000 | 5,173 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $200,000 | 3,775 |
| Income before extraordinary items | $325,000 | 5,862 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $325,000 | 5,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 955 |
| Cash dividends | $200,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $325,000 | 5,773 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $722,000 | 6,614 |
| Total interest expense | $198,000 | 6,377 |
| Net interest income | $524,000 | 6,555 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $84,000 | 6,172 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $65,000 | 4,595 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $301,000 | 7,495 |
| Salaries and employee benefits | $153,000 | 7,649 |
| Premises and equipment expense | $52,000 | 6,694 |
| Additional noninterest expense | $96,000 | 7,245 |
| Pre-tax net operating income | $277,000 | 5,020 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $61,000 | 4,556 |
| Income before extraordinary items | $216,000 | 5,144 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $216,000 | 5,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 647 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $216,000 | 5,013 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,864,000 | 6,677 |
| Total interest expense | $995,000 | 6,140 |
| Net interest income | $1,869,000 | 6,782 |
| Provision for loan and lease losses | $140,000 | 4,692 |
| Total noninterest income | $325,000 | 6,415 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $258,000 | 4,688 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $67,000 | 7,177 |
| Total noninterest expense | $1,150,000 | 7,576 |
| Salaries and employee benefits | $568,000 | 7,830 |
| Premises and equipment expense | $232,000 | 6,415 |
| Additional noninterest expense | $350,000 | 7,449 |
| Pre-tax net operating income | $904,000 | 5,408 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $319,000 | 4,191 |
| Income before extraordinary items | $586,000 | 5,994 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $586,000 | 5,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $585,350 | 5,834 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,159,000 | 6,747 |
| Total interest expense | $780,000 | 6,144 |
| Net interest income | $1,379,000 | 6,875 |
| Provision for loan and lease losses | $100,000 | 4,641 |
| Total noninterest income | $234,000 | 6,559 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $186,000 | 4,799 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $48,000 | 7,275 |
| Total noninterest expense | $838,000 | 7,628 |
| Salaries and employee benefits | $414,000 | 7,866 |
| Premises and equipment expense | $168,000 | 6,496 |
| Additional noninterest expense | $256,000 | 7,504 |
| Pre-tax net operating income | $675,000 | 5,604 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $223,000 | 4,487 |
| Income before extraordinary items | $452,000 | 6,084 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $452,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $150,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $452,000 | 5,914 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,449,000 | 6,768 |
| Total interest expense | $540,000 | 6,161 |
| Net interest income | $909,000 | 6,917 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $154,000 | 6,583 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $119,000 | 4,882 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $35,000 | 7,146 |
| Total noninterest expense | $547,000 | 7,708 |
| Salaries and employee benefits | $274,000 | 7,899 |
| Premises and equipment expense | $107,000 | 6,600 |
| Additional noninterest expense | $166,000 | 7,558 |
| Pre-tax net operating income | $466,000 | 5,489 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $164,000 | 4,343 |
| Income before extraordinary items | $302,000 | 6,077 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $302,000 | 6,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $302,000 | 5,880 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $732,000 | 6,770 |
| Total interest expense | $278,000 | 6,175 |
| Net interest income | $454,000 | 6,934 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $69,000 | 6,751 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $266,000 | 7,785 |
| Salaries and employee benefits | $134,000 | 7,974 |
| Premises and equipment expense | $56,000 | 6,474 |
| Additional noninterest expense | $76,000 | 7,777 |
| Pre-tax net operating income | $237,000 | 5,426 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $104,000 | 3,866 |
| Income before extraordinary items | $133,000 | 6,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 6,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $133,000 | 6,131 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,093,000 | 6,764 |
| Total interest expense | $1,533,000 | 5,657 |
| Net interest income | $1,560,000 | 7,332 |
| Provision for loan and lease losses | $135,000 | 5,121 |
| Total noninterest income | $345,000 | 6,134 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $273,000 | 4,459 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $72,000 | 7,036 |
| Total noninterest expense | $1,103,000 | 7,715 |
| Salaries and employee benefits | $533,000 | 8,001 |
| Premises and equipment expense | $270,000 | 5,893 |
| Additional noninterest expense | $300,000 | 7,802 |
| Pre-tax net operating income | $667,000 | 6,199 |
| Securities gains (losses) | $15,000 | 3,365 |
| Applicable income taxes | $237,000 | 4,847 |
| Income before extraordinary items | $445,000 | 6,626 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $445,000 | 6,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,397 |
| Cash dividends | $300,000 | 4,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $435,250 | 6,548 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,827,000 | 6,487 |
| Total interest expense | $2,280,000 | 5,697 |
| Net interest income | $1,547,000 | 7,241 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $324,000 | 6,209 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $262,000 | 4,520 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $62,000 | 7,340 |
| Total noninterest expense | $1,169,000 | 7,529 |
| Salaries and employee benefits | $540,000 | 7,978 |
| Premises and equipment expense | $280,000 | 5,742 |
| Additional noninterest expense | $349,000 | 7,523 |
| Pre-tax net operating income | $666,000 | 5,938 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $222,000 | 4,836 |
| Income before extraordinary items | $444,000 | 6,338 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $444,000 | 6,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,614 |
| Cash dividends | $450,000 | 3,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $444,000 | 6,223 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,718,000 | 6,710 |
| Total interest expense | $2,061,000 | 6,179 |
| Net interest income | $1,657,000 | 7,199 |
| Provision for loan and lease losses | $18,000 | 7,686 |
| Total noninterest income | $288,000 | 6,414 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 7,965 |
| Total noninterest expense | $1,042,000 | 7,896 |
| Salaries and employee benefits | $501,000 | 8,237 |
| Premises and equipment expense | $249,000 | 6,065 |
| Additional noninterest expense | $292,000 | 8,010 |
| Pre-tax net operating income | $885,000 | 5,599 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $311,000 | 4,520 |
| Income before extraordinary items | $574,000 | 5,962 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $574,000 | 5,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $574,000 | 5,975 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,396,000 | 6,935 |
| Total interest expense | $1,782,000 | 6,388 |
| Net interest income | $1,614,000 | 7,369 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $302,000 | 6,425 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 4,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 7,548 |
| Total noninterest expense | $946,000 | 8,277 |
| Salaries and employee benefits | $441,000 | 8,671 |
| Premises and equipment expense | $179,000 | 7,145 |
| Additional noninterest expense | $326,000 | 7,902 |
| Pre-tax net operating income | $890,000 | 5,632 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $301,000 | 4,821 |
| Income before extraordinary items | $589,000 | 5,949 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $589,000 | 5,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $325,000 | 4,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $589,000 | 5,922 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,985,000 | 7,550 |
| Total interest expense | $1,574,000 | 7,033 |
| Net interest income | $1,411,000 | 7,882 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $308,000 | 6,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,276 |
| Total noninterest expense | $824,000 | 8,695 |
| Salaries and employee benefits | $379,000 | 9,097 |
| Premises and equipment expense | $154,000 | 7,558 |
| Additional noninterest expense | $291,000 | 8,210 |
| Pre-tax net operating income | $815,000 | 6,036 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $284,000 | 5,318 |
| Income before extraordinary items | $531,000 | 6,424 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $531,000 | 6,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,667 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $531,000 | 6,317 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,615,000 | 8,230 |
| Total interest expense | $1,377,000 | 7,641 |
| Net interest income | $1,238,000 | 8,605 |
| Provision for loan and lease losses | $65,000 | 6,037 |
| Total noninterest income | $245,000 | 7,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 5,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,536 |
| Total noninterest expense | $751,000 | 9,221 |
| Salaries and employee benefits | $332,000 | 9,721 |
| Premises and equipment expense | $136,000 | 8,101 |
| Additional noninterest expense | $283,000 | 8,495 |
| Pre-tax net operating income | $667,000 | 7,130 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $226,000 | 6,550 |
| Income before extraordinary items | $441,000 | 7,369 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $441,000 | 7,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $325,000 | 4,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $441,000 | 7,320 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,528,000 | 8,666 |
| Total interest expense | $1,409,000 | 7,815 |
| Net interest income | $1,119,000 | 9,240 |
| Provision for loan and lease losses | $58,000 | 6,349 |
| Total noninterest income | $203,000 | 8,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 6,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,463 |
| Total noninterest expense | $895,000 | 9,074 |
| Salaries and employee benefits | $288,000 | 10,448 |
| Premises and equipment expense | $153,000 | 7,986 |
| Additional noninterest expense | $454,000 | 7,439 |
| Pre-tax net operating income | $369,000 | 8,694 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $135,000 | 8,126 |
| Income before extraordinary items | $234,000 | 8,970 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $234,000 | 8,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,098 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $234,000 | 8,911 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,257,000 | 9,324 |
| Total interest expense | $1,312,000 | 8,244 |
| Net interest income | $945,000 | 10,108 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $177,000 | 8,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,849 |
| Total noninterest expense | $666,000 | 10,312 |
| Salaries and employee benefits | $250,000 | 11,149 |
| Premises and equipment expense | $158,000 | 8,078 |
| Additional noninterest expense | $258,000 | 9,751 |
| Pre-tax net operating income | $426,000 | 8,893 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $139,000 | 8,466 |
| Income before extraordinary items | $285,000 | 9,085 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $285,000 | 9,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,914 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $286,340 | 9,049 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,949,000 | 9,888 |
| Total interest expense | $998,000 | 8,704 |
| Net interest income | $951,000 | 10,553 |
| Provision for loan and lease losses | $38,000 | 6,695 |
| Total noninterest income | $111,000 | 10,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 8,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,083 |
| Total noninterest expense | $626,000 | 11,002 |
| Salaries and employee benefits | $234,000 | 11,802 |
| Premises and equipment expense | $110,000 | 9,702 |
| Additional noninterest expense | $282,000 | 10,164 |
| Pre-tax net operating income | $398,000 | 9,390 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $156,000 | 8,187 |
| Income before extraordinary items | $242,000 | 9,785 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $242,000 | 9,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $242,000 | 9,861 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 10,387 |
| Total interest expense | $1,032,000 | 8,958 |
| Net interest income | $868,000 | 11,280 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $87,000 | 11,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 9,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 12,609 |
| Total noninterest expense | $492,000 | 12,207 |
| Salaries and employee benefits | $210,000 | 12,542 |
| Premises and equipment expense | $68,000 | 11,579 |
| Additional noninterest expense | $214,000 | 11,548 |
| Pre-tax net operating income | $433,000 | 9,156 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $160,000 | 8,417 |
| Income before extraordinary items | $277,000 | 9,730 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $277,000 | 9,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $274,440 | 9,503 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 10,717 |
| Total interest expense | $1,295,000 | 9,255 |
| Net interest income | $794,000 | 11,927 |
| Provision for loan and lease losses | $33,000 | 9,854 |
| Total noninterest income | $57,000 | 12,940 |
| 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 | $8,000 | 13,487 |
| Total noninterest expense | $509,000 | 12,588 |
| Salaries and employee benefits | $177,000 | 13,348 |
| Premises and equipment expense | $87,000 | 11,223 |
| Additional noninterest expense | $245,000 | 11,600 |
| Pre-tax net operating income | $309,000 | 10,053 |
| Securities gains (losses) | $17,000 | 5,804 |
| Applicable income taxes | $112,000 | 9,602 |
| Income before extraordinary items | $214,000 | 10,413 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $214,000 | 10,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $202,780 | 10,223 |
* 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.