Home > Hardwick State Bank > Income and Expense
Hardwick State Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $489,000 | 8,386 |
| Total interest expense | $168,000 | 8,322 |
| Net interest income | $321,000 | 8,375 |
| Provision for loan and lease losses | $21,000 | 5,805 |
| Total noninterest income | $40,000 | 8,048 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $13,000 | 7,222 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $27,000 | 7,429 |
| Total noninterest expense | $299,000 | 8,420 |
| Salaries and employee benefits | $203,000 | 8,319 |
| Premises and equipment expense | $15,000 | 8,462 |
| Additional noninterest expense | $81,000 | 8,412 |
| Pre-tax net operating income | $41,000 | 7,531 |
| Securities gains (losses) | $-6,000 | 7,659 |
| Applicable income taxes | $15,000 | 5,595 |
| Income before extraordinary items | $20,000 | 7,608 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $20,000 | 7,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,542 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $23,840 | 7,587 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $333,000 | 8,455 |
| Total interest expense | $118,000 | 8,376 |
| Net interest income | $215,000 | 8,445 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $14,000 | 8,305 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $7,000 | 7,313 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $7,000 | 8,056 |
| Total noninterest expense | $156,000 | 8,534 |
| Salaries and employee benefits | $104,000 | 8,481 |
| Premises and equipment expense | $10,000 | 8,506 |
| Additional noninterest expense | $42,000 | 8,525 |
| Pre-tax net operating income | $73,000 | 7,398 |
| Securities gains (losses) | $-6,000 | 7,884 |
| Applicable income taxes | $24,000 | 5,246 |
| Income before extraordinary items | $43,000 | 7,534 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $43,000 | 7,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $46,840 | 7,501 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $166,000 | 8,515 |
| Total interest expense | $59,000 | 8,420 |
| Net interest income | $107,000 | 8,498 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $9,000 | 8,286 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $4,000 | 7,300 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $5,000 | 7,889 |
| Total noninterest expense | $66,000 | 8,595 |
| Salaries and employee benefits | $44,000 | 8,558 |
| Premises and equipment expense | $3,000 | 8,570 |
| Additional noninterest expense | $19,000 | 8,575 |
| Pre-tax net operating income | $50,000 | 7,283 |
| Securities gains (losses) | $-6,000 | 8,196 |
| Applicable income taxes | $9,000 | 5,389 |
| Income before extraordinary items | $35,000 | 7,380 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $35,000 | 7,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $39,800 | 7,311 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $685,000 | 8,456 |
| Total interest expense | $191,000 | 8,428 |
| Net interest income | $494,000 | 8,409 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $28,000 | 8,358 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $11,000 | 7,402 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $17,000 | 8,067 |
| Total noninterest expense | $393,000 | 8,543 |
| Salaries and employee benefits | $237,000 | 8,497 |
| Premises and equipment expense | $28,000 | 8,538 |
| Additional noninterest expense | $128,000 | 8,459 |
| Pre-tax net operating income | $129,000 | 7,623 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $34,000 | 5,690 |
| Income before extraordinary items | $95,000 | 7,692 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $95,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,661 |
| Cash dividends | $800,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $-199,000 | 8,611 |
| Net operating income | $95,000 | 7,683 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $522,000 | 8,511 |
| Total interest expense | $134,000 | 8,498 |
| Net interest income | $388,000 | 8,469 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $15,000 | 8,505 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $7,000 | 7,497 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,304 |
| Total noninterest expense | $269,000 | 8,617 |
| Salaries and employee benefits | $170,000 | 8,552 |
| Premises and equipment expense | $24,000 | 8,566 |
| Additional noninterest expense | $75,000 | 8,601 |
| Pre-tax net operating income | $134,000 | 7,697 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $25,000 | 5,863 |
| Income before extraordinary items | $109,000 | 7,678 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $109,000 | 7,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $-212,000 | 8,700 |
| Net operating income | $109,000 | 7,681 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $316,000 | 8,594 |
| Total interest expense | $83,000 | 8,549 |
| Net interest income | $233,000 | 8,565 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $7,000 | 8,587 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $5,000 | 7,536 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,535 |
| Total noninterest expense | $181,000 | 8,653 |
| Salaries and employee benefits | $113,000 | 8,602 |
| Premises and equipment expense | $18,000 | 8,572 |
| Additional noninterest expense | $50,000 | 8,643 |
| Pre-tax net operating income | $59,000 | 7,913 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $17,000 | 5,888 |
| Income before extraordinary items | $42,000 | 7,957 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $42,000 | 7,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,097 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $42,000 | 7,960 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $177,000 | 8,581 |
| Total interest expense | $40,000 | 8,575 |
| Net interest income | $137,000 | 8,530 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $3,000 | 8,612 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,000 | 7,527 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $90,000 | 8,670 |
| Salaries and employee benefits | $57,000 | 8,612 |
| Premises and equipment expense | $8,000 | 8,606 |
| Additional noninterest expense | $25,000 | 8,654 |
| Pre-tax net operating income | $50,000 | 7,702 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $45,000 | 7,616 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 7,616 |
| 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 | $45,000 | 7,618 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $624,000 | 8,570 |
| Total interest expense | $137,000 | 8,561 |
| Net interest income | $487,000 | 8,543 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $21,000 | 8,598 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $11,000 | 7,582 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,416 |
| Total noninterest expense | $381,000 | 8,684 |
| Salaries and employee benefits | $240,000 | 8,623 |
| Premises and equipment expense | $37,000 | 8,620 |
| Additional noninterest expense | $104,000 | 8,689 |
| Pre-tax net operating income | $127,000 | 7,909 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $33,000 | 6,099 |
| Income before extraordinary items | $91,000 | 8,008 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $91,000 | 8,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,956 |
| Cash dividends | $3,000 | 6,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $93,190 | 7,971 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $472,000 | 8,618 |
| Total interest expense | $101,000 | 8,604 |
| Net interest income | $371,000 | 8,587 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $13,000 | 8,679 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,652 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,503 |
| Total noninterest expense | $283,000 | 8,699 |
| Salaries and employee benefits | $170,000 | 8,645 |
| Premises and equipment expense | $31,000 | 8,563 |
| Additional noninterest expense | $82,000 | 8,671 |
| Pre-tax net operating income | $101,000 | 8,011 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $24,000 | 6,205 |
| Income before extraordinary items | $74,000 | 8,086 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $74,000 | 8,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,687 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $76,280 | 8,046 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $309,000 | 8,633 |
| Total interest expense | $65,000 | 8,611 |
| Net interest income | $244,000 | 8,603 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $11,000 | 8,649 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $5,000 | 7,657 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,000 | 8,403 |
| Total noninterest expense | $198,000 | 8,686 |
| Salaries and employee benefits | $112,000 | 8,662 |
| Premises and equipment expense | $21,000 | 8,548 |
| Additional noninterest expense | $65,000 | 8,590 |
| Pre-tax net operating income | $57,000 | 8,096 |
| Securities gains (losses) | $8,000 | 1,424 |
| Applicable income taxes | $15,000 | 6,238 |
| Income before extraordinary items | $50,000 | 8,110 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $50,000 | 8,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $43,840 | 8,124 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $158,000 | 8,702 |
| Total interest expense | $32,000 | 8,681 |
| Net interest income | $126,000 | 8,663 |
| Provision for loan and lease losses | $5,000 | 5,826 |
| Total noninterest income | $2,000 | 8,803 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $2,000 | 7,752 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $96,000 | 8,764 |
| Salaries and employee benefits | $56,000 | 8,727 |
| Premises and equipment expense | $10,000 | 8,622 |
| Additional noninterest expense | $30,000 | 8,697 |
| Pre-tax net operating income | $27,000 | 8,180 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,000 | 6,630 |
| Income before extraordinary items | $25,000 | 8,168 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $25,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $25,000 | 8,143 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $588,000 | 8,710 |
| Total interest expense | $132,000 | 8,656 |
| Net interest income | $456,000 | 8,685 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $25,000 | 8,751 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $13,000 | 7,746 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,000 | 8,473 |
| Total noninterest expense | $384,000 | 8,810 |
| Salaries and employee benefits | $238,000 | 8,753 |
| Premises and equipment expense | $40,000 | 8,721 |
| Additional noninterest expense | $106,000 | 8,799 |
| Pre-tax net operating income | $97,000 | 8,126 |
| Securities gains (losses) | $21,000 | 2,362 |
| Applicable income taxes | $28,000 | 6,390 |
| Income before extraordinary items | $90,000 | 8,144 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $90,000 | 8,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,079 |
| Cash dividends | $3,000 | 6,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $74,040 | 8,150 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $455,000 | 8,753 |
| Total interest expense | $102,000 | 8,699 |
| Net interest income | $353,000 | 8,726 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $20,000 | 8,805 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $10,000 | 7,785 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 8,467 |
| Total noninterest expense | $272,000 | 8,860 |
| Salaries and employee benefits | $162,000 | 8,819 |
| Premises and equipment expense | $30,000 | 8,744 |
| Additional noninterest expense | $80,000 | 8,830 |
| Pre-tax net operating income | $101,000 | 8,119 |
| Securities gains (losses) | $13,000 | 2,563 |
| Applicable income taxes | $20,000 | 6,511 |
| Income before extraordinary items | $94,000 | 8,105 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $94,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,149 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $83,340 | 8,121 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $315,000 | 8,794 |
| Total interest expense | $68,000 | 8,769 |
| Net interest income | $247,000 | 8,767 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $16,000 | 8,821 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $7,000 | 7,820 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $9,000 | 8,365 |
| Total noninterest expense | $186,000 | 8,912 |
| Salaries and employee benefits | $109,000 | 8,872 |
| Premises and equipment expense | $19,000 | 8,805 |
| Additional noninterest expense | $58,000 | 8,842 |
| Pre-tax net operating income | $77,000 | 8,080 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $12,000 | 6,573 |
| Income before extraordinary items | $78,000 | 7,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $78,000 | 7,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,091 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $66,690 | 8,047 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $160,000 | 8,829 |
| Total interest expense | $35,000 | 8,802 |
| Net interest income | $125,000 | 8,796 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $14,000 | 8,663 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $6,000 | 7,724 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $97,000 | 8,924 |
| Salaries and employee benefits | $55,000 | 8,906 |
| Premises and equipment expense | $10,000 | 8,791 |
| Additional noninterest expense | $32,000 | 8,814 |
| Pre-tax net operating income | $42,000 | 8,025 |
| Securities gains (losses) | $15,000 | 1,841 |
| Applicable income taxes | $4,000 | 6,676 |
| Income before extraordinary items | $53,000 | 7,729 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $53,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $39,050 | 7,918 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $672,000 | 8,842 |
| Total interest expense | $209,000 | 8,720 |
| Net interest income | $463,000 | 8,838 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $25,000 | 8,975 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $15,000 | 7,882 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $10,000 | 8,762 |
| Total noninterest expense | $370,000 | 9,008 |
| Salaries and employee benefits | $189,000 | 9,016 |
| Premises and equipment expense | $29,000 | 9,014 |
| Additional noninterest expense | $152,000 | 8,750 |
| Pre-tax net operating income | $118,000 | 8,131 |
| Securities gains (losses) | $22,000 | 3,160 |
| Applicable income taxes | $40,000 | 6,430 |
| Income before extraordinary items | $100,000 | 8,219 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $100,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,867 |
| Cash dividends | $3,000 | 6,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $84,380 | 8,196 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $509,000 | 8,921 |
| Total interest expense | $169,000 | 8,784 |
| Net interest income | $340,000 | 8,929 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $21,000 | 9,032 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $11,000 | 7,946 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,693 |
| Total noninterest expense | $269,000 | 9,068 |
| Salaries and employee benefits | $133,000 | 9,087 |
| Premises and equipment expense | $21,000 | 9,058 |
| Additional noninterest expense | $115,000 | 8,766 |
| Pre-tax net operating income | $92,000 | 8,274 |
| Securities gains (losses) | $19,000 | 2,984 |
| Applicable income taxes | $31,000 | 6,549 |
| Income before extraordinary items | $80,000 | 8,347 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $80,000 | 8,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,842 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $66,320 | 8,320 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $352,000 | 8,948 |
| Total interest expense | $121,000 | 8,806 |
| Net interest income | $231,000 | 8,950 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $18,000 | 9,005 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $8,000 | 7,962 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $10,000 | 8,463 |
| Total noninterest expense | $186,000 | 9,079 |
| Salaries and employee benefits | $88,000 | 9,123 |
| Premises and equipment expense | $14,000 | 9,079 |
| Additional noninterest expense | $84,000 | 8,683 |
| Pre-tax net operating income | $63,000 | 8,284 |
| Securities gains (losses) | $19,000 | 2,643 |
| Applicable income taxes | $22,000 | 6,543 |
| Income before extraordinary items | $60,000 | 8,336 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $60,000 | 8,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,869 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $46,130 | 8,328 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $172,000 | 9,021 |
| Total interest expense | $65,000 | 8,834 |
| Net interest income | $107,000 | 9,044 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $11,000 | 8,960 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $88,000 | 9,138 |
| Salaries and employee benefits | $45,000 | 9,163 |
| Premises and equipment expense | $6,000 | 9,130 |
| Additional noninterest expense | $37,000 | 8,864 |
| Pre-tax net operating income | $30,000 | 8,317 |
| Securities gains (losses) | $19,000 | 1,926 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $46,000 | 7,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $46,000 | 7,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $28,140 | 8,192 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $825,000 | 8,983 |
| Total interest expense | $397,000 | 8,671 |
| Net interest income | $428,000 | 9,070 |
| Provision for loan and lease losses | $5,000 | 7,962 |
| Total noninterest income | $28,000 | 9,122 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $19,000 | 7,985 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,930 |
| Total noninterest expense | $380,000 | 9,159 |
| Salaries and employee benefits | $189,000 | 9,182 |
| Premises and equipment expense | $30,000 | 9,162 |
| Additional noninterest expense | $161,000 | 8,806 |
| Pre-tax net operating income | $71,000 | 8,399 |
| Securities gains (losses) | $73,000 | 2,058 |
| Applicable income taxes | $27,000 | 6,900 |
| Income before extraordinary items | $117,000 | 8,246 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $117,000 | 8,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,821 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $57,870 | 8,441 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,114,000 | 9,064 |
| Total interest expense | $660,000 | 8,702 |
| Net interest income | $454,000 | 9,255 |
| Provision for loan and lease losses | $44,000 | 6,848 |
| Total noninterest income | $47,000 | 9,191 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $21,000 | 8,109 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $26,000 | 8,488 |
| Total noninterest expense | $340,000 | 9,448 |
| Salaries and employee benefits | $218,000 | 9,353 |
| Premises and equipment expense | $25,000 | 9,449 |
| Additional noninterest expense | $97,000 | 9,393 |
| Pre-tax net operating income | $117,000 | 8,255 |
| Securities gains (losses) | $31,000 | 2,791 |
| Applicable income taxes | $37,000 | 6,929 |
| Income before extraordinary items | $111,000 | 8,259 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $111,000 | 8,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,000 |
| Cash dividends | $3,000 | 6,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $87,750 | 8,312 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,280,000 | 9,175 |
| Total interest expense | $759,000 | 8,730 |
| Net interest income | $521,000 | 9,428 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $39,000 | 9,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,267 |
| Total noninterest expense | $380,000 | 9,635 |
| Salaries and employee benefits | $233,000 | 9,522 |
| Premises and equipment expense | $41,000 | 9,526 |
| Additional noninterest expense | $106,000 | 9,587 |
| Pre-tax net operating income | $150,000 | 8,592 |
| Securities gains (losses) | $-18,000 | 8,681 |
| Applicable income taxes | $40,000 | 7,410 |
| Income before extraordinary items | $92,000 | 8,761 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $92,000 | 8,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,482 |
| Cash dividends | $3,000 | 6,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $104,600 | 8,669 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,176,000 | 9,448 |
| Total interest expense | $691,000 | 8,966 |
| Net interest income | $485,000 | 9,711 |
| Provision for loan and lease losses | $31,000 | 7,196 |
| Total noninterest income | $37,000 | 9,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 8,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,637 |
| Total noninterest expense | $373,000 | 9,940 |
| Salaries and employee benefits | $225,000 | 9,816 |
| Premises and equipment expense | $38,000 | 9,862 |
| Additional noninterest expense | $110,000 | 9,850 |
| Pre-tax net operating income | $118,000 | 8,984 |
| Securities gains (losses) | $9,000 | 1,806 |
| Applicable income taxes | $20,000 | 8,212 |
| Income before extraordinary items | $107,000 | 8,913 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $107,000 | 8,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,586 |
| Cash dividends | $3,000 | 7,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $99,440 | 8,938 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 9,744 |
| Total interest expense | $653,000 | 9,333 |
| Net interest income | $463,000 | 9,990 |
| Provision for loan and lease losses | $13,000 | 8,046 |
| Total noninterest income | $42,000 | 9,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 8,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,838 |
| Total noninterest expense | $367,000 | 10,128 |
| Salaries and employee benefits | $225,000 | 9,992 |
| Premises and equipment expense | $28,000 | 10,205 |
| Additional noninterest expense | $114,000 | 10,010 |
| Pre-tax net operating income | $125,000 | 9,305 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $36,000 | 8,594 |
| Income before extraordinary items | $103,000 | 9,320 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $103,000 | 9,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $3,000 | 7,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $92,640 | 9,323 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,099,000 | 10,203 |
| Total interest expense | $628,000 | 9,751 |
| Net interest income | $471,000 | 10,442 |
| Provision for loan and lease losses | $48,000 | 6,747 |
| Total noninterest income | $144,000 | 8,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,255 |
| Total noninterest expense | $385,000 | 10,515 |
| Salaries and employee benefits | $214,000 | 10,473 |
| Premises and equipment expense | $50,000 | 10,204 |
| Additional noninterest expense | $121,000 | 10,333 |
| Pre-tax net operating income | $182,000 | 9,674 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $70,000 | 8,905 |
| Income before extraordinary items | $109,000 | 9,904 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $109,000 | 9,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,260 |
| Cash dividends | $3,000 | 7,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $110,920 | 9,857 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,051,000 | 10,749 |
| Total interest expense | $621,000 | 10,206 |
| Net interest income | $430,000 | 11,038 |
| Provision for loan and lease losses | $7,000 | 8,718 |
| Total noninterest income | $29,000 | 11,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 9,652 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,823 |
| Total noninterest expense | $362,000 | 11,085 |
| Salaries and employee benefits | $209,000 | 10,963 |
| Premises and equipment expense | $42,000 | 10,856 |
| Additional noninterest expense | $111,000 | 10,987 |
| Pre-tax net operating income | $90,000 | 10,423 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $19,000 | 10,217 |
| Income before extraordinary items | $71,000 | 10,443 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $71,000 | 10,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $3,000 | 8,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $71,000 | 10,401 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,018,000 | 11,246 |
| Total interest expense | $590,000 | 10,703 |
| Net interest income | $428,000 | 11,540 |
| Provision for loan and lease losses | $6,000 | 8,588 |
| Total noninterest income | $33,000 | 11,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,934 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 11,496 |
| Total noninterest expense | $368,000 | 11,538 |
| Salaries and employee benefits | $197,000 | 11,508 |
| Premises and equipment expense | $38,000 | 11,427 |
| Additional noninterest expense | $133,000 | 11,278 |
| Pre-tax net operating income | $87,000 | 11,158 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $29,000 | 10,603 |
| Income before extraordinary items | $56,000 | 11,254 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $56,000 | 11,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $3,000 | 8,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $57,320 | 11,222 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $945,000 | 11,811 |
| Total interest expense | $511,000 | 11,055 |
| Net interest income | $434,000 | 12,168 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $40,000 | 12,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 10,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 11,845 |
| Total noninterest expense | $361,000 | 12,179 |
| Salaries and employee benefits | $188,000 | 12,144 |
| Premises and equipment expense | $46,000 | 11,772 |
| Additional noninterest expense | $127,000 | 12,062 |
| Pre-tax net operating income | $100,000 | 11,630 |
| Securities gains (losses) | $8,000 | 2,362 |
| Applicable income taxes | $56,000 | 10,313 |
| Income before extraordinary items | $52,000 | 11,791 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $52,000 | 11,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $3,000 | 8,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $46,880 | 11,864 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $991,000 | 12,316 |
| Total interest expense | $535,000 | 11,504 |
| Net interest income | $456,000 | 12,676 |
| Provision for loan and lease losses | $2,000 | 10,273 |
| Total noninterest income | $37,000 | 12,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 10,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,761 |
| Total noninterest expense | $359,000 | 12,798 |
| Salaries and employee benefits | $192,000 | 12,705 |
| Premises and equipment expense | $35,000 | 12,695 |
| Additional noninterest expense | $132,000 | 12,630 |
| Pre-tax net operating income | $132,000 | 11,619 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $37,000 | 11,224 |
| Income before extraordinary items | $97,000 | 11,833 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $97,000 | 11,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $3,000 | 9,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $95,560 | 11,653 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,143,000 | 12,732 |
| Total interest expense | $665,000 | 11,988 |
| Net interest income | $478,000 | 13,151 |
| Provision for loan and lease losses | $31,000 | 9,924 |
| Total noninterest income | $35,000 | 13,454 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 11,220 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 13,358 |
| Total noninterest expense | $377,000 | 13,275 |
| Salaries and employee benefits | $204,000 | 13,114 |
| Premises and equipment expense | $45,000 | 12,878 |
| Additional noninterest expense | $128,000 | 13,232 |
| Pre-tax net operating income | $105,000 | 11,976 |
| Securities gains (losses) | $12,000 | 6,245 |
| Applicable income taxes | $26,000 | 11,922 |
| Income before extraordinary items | $91,000 | 12,057 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $91,000 | 12,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $3,000 | 8,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $81,640 | 11,901 |
* 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.