Home > Hedrick Savings Bank > Income and Expense
Hedrick Savings Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,334,000 | 5,743 |
| Total interest expense | $552,000 | 5,217 |
| Net interest income | $1,782,000 | 5,803 |
| Provision for loan and lease losses | $26,000 | 5,893 |
| Total noninterest income | $594,000 | 3,555 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $113,000 | 4,911 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $481,000 | 2,760 |
| Total noninterest expense | $1,824,000 | 5,417 |
| Salaries and employee benefits | $1,132,000 | 4,940 |
| Premises and equipment expense | $216,000 | 5,367 |
| Additional noninterest expense | $476,000 | 5,926 |
| Pre-tax net operating income | $526,000 | 4,401 |
| Securities gains (losses) | $40,000 | 2,462 |
| Applicable income taxes | $29,000 | 3,893 |
| Income before extraordinary items | $537,000 | 4,190 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $537,000 | 4,192 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $537,000 | 4,192 |
| Net charge-offs | $-139,000 | 7,345 |
| Cash dividends | $46,000 | 3,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $499,000 | 4,182 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,539,000 | 5,816 |
| Total interest expense | $367,000 | 5,323 |
| Net interest income | $1,172,000 | 5,865 |
| Provision for loan and lease losses | $17,000 | 5,792 |
| Total noninterest income | $404,000 | 3,536 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $72,000 | 4,984 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $332,000 | 2,730 |
| Total noninterest expense | $1,229,000 | 5,466 |
| Salaries and employee benefits | $745,000 | 5,009 |
| Premises and equipment expense | $148,000 | 5,347 |
| Additional noninterest expense | $336,000 | 5,892 |
| Pre-tax net operating income | $330,000 | 4,483 |
| Securities gains (losses) | $40,000 | 1,722 |
| Applicable income taxes | $18,000 | 3,877 |
| Income before extraordinary items | $352,000 | 4,212 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $352,000 | 4,212 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $352,000 | 4,214 |
| Net charge-offs | $-114,000 | 7,390 |
| Cash dividends | $46,000 | 3,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $314,000 | 4,290 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $763,000 | 5,872 |
| Total interest expense | $181,000 | 5,454 |
| Net interest income | $582,000 | 5,895 |
| Provision for loan and lease losses | $9,000 | 5,448 |
| Total noninterest income | $241,000 | 3,221 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $36,000 | 4,928 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $205,000 | 2,436 |
| Total noninterest expense | $632,000 | 5,413 |
| Salaries and employee benefits | $371,000 | 5,067 |
| Premises and equipment expense | $73,000 | 5,426 |
| Additional noninterest expense | $188,000 | 5,687 |
| Pre-tax net operating income | $182,000 | 4,380 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $11,000 | 3,738 |
| Income before extraordinary items | $171,000 | 4,234 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $171,000 | 4,233 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $171,000 | 4,234 |
| Net charge-offs | $-66,000 | 7,392 |
| Cash dividends | $46,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $171,000 | 4,181 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,109,000 | 5,959 |
| Total interest expense | $813,000 | 5,679 |
| Net interest income | $2,296,000 | 5,964 |
| Provision for loan and lease losses | $240,000 | 5,139 |
| Total noninterest income | $885,000 | 3,449 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $229,000 | 4,175 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $656,000 | 2,788 |
| Total noninterest expense | $2,452,000 | 5,547 |
| Salaries and employee benefits | $1,444,000 | 5,147 |
| Premises and equipment expense | $305,000 | 5,367 |
| Additional noninterest expense | $703,000 | 5,893 |
| Pre-tax net operating income | $489,000 | 4,402 |
| Securities gains (losses) | $108,000 | 2,101 |
| Applicable income taxes | $35,000 | 3,790 |
| Income before extraordinary items | $562,000 | 4,148 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $562,000 | 4,148 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $562,000 | 4,149 |
| Net charge-offs | $208,000 | 4,730 |
| Cash dividends | $200,000 | 3,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $460,480 | 4,289 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,319,000 | 6,076 |
| Total interest expense | $622,000 | 5,791 |
| Net interest income | $1,697,000 | 6,091 |
| Provision for loan and lease losses | $180,000 | 5,003 |
| Total noninterest income | $637,000 | 3,567 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $164,000 | 4,327 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $473,000 | 2,848 |
| Total noninterest expense | $1,791,000 | 5,656 |
| Salaries and employee benefits | $1,044,000 | 5,301 |
| Premises and equipment expense | $229,000 | 5,434 |
| Additional noninterest expense | $518,000 | 5,969 |
| Pre-tax net operating income | $363,000 | 4,633 |
| Securities gains (losses) | $107,000 | 1,890 |
| Applicable income taxes | $28,000 | 3,848 |
| Income before extraordinary items | $442,000 | 4,331 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $442,000 | 4,332 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $442,000 | 4,332 |
| Net charge-offs | $58,000 | 5,397 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $341,420 | 4,505 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,538,000 | 6,129 |
| Total interest expense | $429,000 | 5,819 |
| Net interest income | $1,109,000 | 6,160 |
| Provision for loan and lease losses | $120,000 | 4,894 |
| Total noninterest income | $357,000 | 3,881 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $101,000 | 4,468 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $256,000 | 3,092 |
| Total noninterest expense | $1,120,000 | 5,836 |
| Salaries and employee benefits | $642,000 | 5,566 |
| Premises and equipment expense | $150,000 | 5,511 |
| Additional noninterest expense | $328,000 | 6,104 |
| Pre-tax net operating income | $226,000 | 4,781 |
| Securities gains (losses) | $17,000 | 2,422 |
| Applicable income taxes | $14,000 | 3,954 |
| Income before extraordinary items | $229,000 | 4,702 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $229,000 | 4,702 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $229,000 | 4,702 |
| Net charge-offs | $62,000 | 4,692 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $213,020 | 4,658 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $796,000 | 6,150 |
| Total interest expense | $221,000 | 5,876 |
| Net interest income | $575,000 | 6,102 |
| Provision for loan and lease losses | $60,000 | 4,570 |
| Total noninterest income | $174,000 | 3,969 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $47,000 | 4,592 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $127,000 | 3,101 |
| Total noninterest expense | $564,000 | 5,886 |
| Salaries and employee benefits | $315,000 | 5,682 |
| Premises and equipment expense | $79,000 | 5,473 |
| Additional noninterest expense | $170,000 | 6,063 |
| Pre-tax net operating income | $125,000 | 4,772 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $8,000 | 3,919 |
| Income before extraordinary items | $117,000 | 4,762 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $117,000 | 4,762 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $117,000 | 4,761 |
| Net charge-offs | $1,000 | 5,481 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $117,000 | 4,654 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,443,000 | 6,055 |
| Total interest expense | $1,130,000 | 5,778 |
| Net interest income | $2,313,000 | 6,031 |
| Provision for loan and lease losses | $965,000 | 3,569 |
| Total noninterest income | $613,000 | 4,325 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $195,000 | 4,707 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $418,000 | 3,483 |
| Total noninterest expense | $2,260,000 | 5,937 |
| Salaries and employee benefits | $1,266,000 | 5,688 |
| Premises and equipment expense | $294,000 | 5,698 |
| Additional noninterest expense | $700,000 | 6,132 |
| Pre-tax net operating income | $-299,000 | 5,806 |
| Securities gains (losses) | $346,000 | 1,112 |
| Applicable income taxes | $19,000 | 3,684 |
| Income before extraordinary items | $28,000 | 5,424 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $28,000 | 5,423 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $28,000 | 5,423 |
| Net charge-offs | $695,000 | 3,360 |
| Cash dividends | $47,000 | 4,428 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-193,440 | 5,811 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,643,000 | 6,064 |
| Total interest expense | $888,000 | 5,826 |
| Net interest income | $1,755,000 | 6,016 |
| Provision for loan and lease losses | $423,000 | 4,097 |
| Total noninterest income | $456,000 | 4,407 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $121,000 | 5,060 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $335,000 | 3,458 |
| Total noninterest expense | $1,675,000 | 5,986 |
| Salaries and employee benefits | $956,000 | 5,698 |
| Premises and equipment expense | $220,000 | 5,749 |
| Additional noninterest expense | $499,000 | 6,254 |
| Pre-tax net operating income | $113,000 | 5,235 |
| Securities gains (losses) | $238,000 | 1,172 |
| Applicable income taxes | $31,000 | 3,590 |
| Income before extraordinary items | $320,000 | 4,349 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $320,000 | 4,345 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $320,000 | 4,348 |
| Net charge-offs | $203,000 | 4,231 |
| Cash dividends | $32,000 | 4,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $103,420 | 5,231 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,765,000 | 6,124 |
| Total interest expense | $632,000 | 5,814 |
| Net interest income | $1,133,000 | 6,103 |
| Provision for loan and lease losses | $337,000 | 3,541 |
| Total noninterest income | $284,000 | 4,540 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $78,000 | 5,109 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $206,000 | 3,614 |
| Total noninterest expense | $1,133,000 | 5,995 |
| Salaries and employee benefits | $648,000 | 5,721 |
| Premises and equipment expense | $148,000 | 5,782 |
| Additional noninterest expense | $337,000 | 6,248 |
| Pre-tax net operating income | $-53,000 | 5,972 |
| Securities gains (losses) | $172,000 | 1,106 |
| Applicable income taxes | $15,000 | 3,839 |
| Income before extraordinary items | $104,000 | 5,174 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $104,000 | 5,172 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $104,000 | 5,172 |
| Net charge-offs | $103,000 | 4,219 |
| Cash dividends | $16,000 | 3,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-45,640 | 5,993 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $880,000 | 6,174 |
| Total interest expense | $323,000 | 5,863 |
| Net interest income | $557,000 | 6,146 |
| Provision for loan and lease losses | $36,000 | 5,276 |
| Total noninterest income | $121,000 | 4,858 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $36,000 | 5,210 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $85,000 | 3,906 |
| Total noninterest expense | $526,000 | 6,138 |
| Salaries and employee benefits | $311,000 | 5,884 |
| Premises and equipment expense | $77,000 | 5,736 |
| Additional noninterest expense | $138,000 | 6,509 |
| Pre-tax net operating income | $116,000 | 4,859 |
| Securities gains (losses) | $108,000 | 962 |
| Applicable income taxes | $16,000 | 3,709 |
| Income before extraordinary items | $208,000 | 3,798 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $208,000 | 3,798 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $208,000 | 3,799 |
| Net charge-offs | $63,000 | 3,324 |
| Cash dividends | $4,000 | 3,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $107,560 | 4,685 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,813,000 | 6,113 |
| Total interest expense | $1,677,000 | 5,734 |
| Net interest income | $2,136,000 | 6,287 |
| Provision for loan and lease losses | $233,000 | 5,029 |
| Total noninterest income | $222,000 | 6,332 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $174,000 | 5,047 |
| Trading account gains and fees | $3,000 | 148 |
| Additional Noninterest Income | $45,000 | 6,857 |
| Total noninterest expense | $2,067,000 | 6,158 |
| Salaries and employee benefits | $1,234,000 | 5,889 |
| Premises and equipment expense | $296,000 | 5,837 |
| Additional noninterest expense | $537,000 | 6,466 |
| Pre-tax net operating income | $58,000 | 6,149 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $17,000 | 4,344 |
| Income before extraordinary items | $43,000 | 6,057 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $43,000 | 6,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 3,713 |
| Cash dividends | $302,000 | 4,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $41,560 | 6,204 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,981,000 | 6,095 |
| Total interest expense | $1,295,000 | 5,779 |
| Net interest income | $1,686,000 | 6,201 |
| Provision for loan and lease losses | $173,000 | 4,447 |
| Total noninterest income | $169,000 | 6,422 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $134,000 | 5,041 |
| Trading account gains and fees | $1,000 | 145 |
| Additional Noninterest Income | $34,000 | 6,988 |
| Total noninterest expense | $1,566,000 | 6,120 |
| Salaries and employee benefits | $917,000 | 5,928 |
| Premises and equipment expense | $227,000 | 5,781 |
| Additional noninterest expense | $422,000 | 6,346 |
| Pre-tax net operating income | $116,000 | 6,338 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $30,000 | 4,413 |
| Income before extraordinary items | $86,000 | 6,248 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $86,000 | 6,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,728 |
| Cash dividends | $248,000 | 3,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $86,000 | 6,401 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,066,000 | 6,080 |
| Total interest expense | $900,000 | 5,835 |
| Net interest income | $1,166,000 | 6,129 |
| Provision for loan and lease losses | $173,000 | 3,397 |
| Total noninterest income | $104,000 | 6,602 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $86,000 | 5,132 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $18,000 | 7,278 |
| Total noninterest expense | $1,019,000 | 6,226 |
| Salaries and employee benefits | $623,000 | 5,939 |
| Premises and equipment expense | $144,000 | 5,936 |
| Additional noninterest expense | $252,000 | 6,629 |
| Pre-tax net operating income | $78,000 | 6,521 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $20,000 | 4,673 |
| Income before extraordinary items | $58,000 | 6,648 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $58,000 | 6,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,949 |
| Cash dividends | $248,000 | 3,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $58,000 | 6,574 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,124,000 | 5,954 |
| Total interest expense | $474,000 | 5,892 |
| Net interest income | $650,000 | 5,893 |
| Provision for loan and lease losses | $64,000 | 3,423 |
| Total noninterest income | $60,000 | 6,365 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $42,000 | 5,126 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $18,000 | 6,579 |
| Total noninterest expense | $537,000 | 6,115 |
| Salaries and employee benefits | $315,000 | 5,951 |
| Premises and equipment expense | $76,000 | 5,856 |
| Additional noninterest expense | $146,000 | 6,249 |
| Pre-tax net operating income | $109,000 | 5,910 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $11,000 | 4,747 |
| Income before extraordinary items | $98,000 | 5,862 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $98,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,082 |
| Cash dividends | $90,000 | 3,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $98,000 | 5,772 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,805,000 | 5,819 |
| Total interest expense | $2,067,000 | 5,763 |
| Net interest income | $2,738,000 | 5,730 |
| Provision for loan and lease losses | $216,000 | 3,749 |
| Total noninterest income | $255,000 | 6,353 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $182,000 | 5,087 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $73,000 | 6,653 |
| Total noninterest expense | $2,303,000 | 5,831 |
| Salaries and employee benefits | $1,418,000 | 5,476 |
| Premises and equipment expense | $320,000 | 5,632 |
| Additional noninterest expense | $565,000 | 6,294 |
| Pre-tax net operating income | $474,000 | 6,071 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $48,000 | 4,953 |
| Income before extraordinary items | $426,000 | 5,965 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $426,000 | 5,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,086 |
| Cash dividends | $260,000 | 4,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $426,000 | 5,959 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,561,000 | 5,873 |
| Total interest expense | $1,544,000 | 5,803 |
| Net interest income | $2,017,000 | 5,811 |
| Provision for loan and lease losses | $89,000 | 4,391 |
| Total noninterest income | $233,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $132,000 | 5,168 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $101,000 | 5,789 |
| Total noninterest expense | $1,569,000 | 6,080 |
| Salaries and employee benefits | $948,000 | 5,808 |
| Premises and equipment expense | $237,000 | 5,646 |
| Additional noninterest expense | $384,000 | 6,499 |
| Pre-tax net operating income | $592,000 | 5,467 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $37,000 | 5,146 |
| Income before extraordinary items | $554,000 | 5,188 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $554,000 | 5,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,863 |
| Cash dividends | $200,000 | 4,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $554,940 | 5,165 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,360,000 | 5,915 |
| Total interest expense | $1,027,000 | 5,807 |
| Net interest income | $1,333,000 | 5,871 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $162,000 | 5,999 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $86,000 | 5,219 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $76,000 | 5,609 |
| Total noninterest expense | $1,069,000 | 6,055 |
| Salaries and employee benefits | $667,000 | 5,707 |
| Premises and equipment expense | $160,000 | 5,652 |
| Additional noninterest expense | $242,000 | 6,669 |
| Pre-tax net operating income | $366,000 | 5,681 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $27,000 | 5,176 |
| Income before extraordinary items | $339,000 | 5,399 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $339,000 | 5,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,834 |
| Cash dividends | $92,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $339,000 | 5,391 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,138,000 | 6,009 |
| Total interest expense | $488,000 | 5,927 |
| Net interest income | $650,000 | 5,953 |
| Provision for loan and lease losses | $19,000 | 4,447 |
| Total noninterest income | $84,000 | 5,880 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $41,000 | 5,255 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $43,000 | 5,388 |
| Total noninterest expense | $555,000 | 5,992 |
| Salaries and employee benefits | $339,000 | 5,693 |
| Premises and equipment expense | $88,000 | 5,432 |
| Additional noninterest expense | $128,000 | 6,534 |
| Pre-tax net operating income | $160,000 | 5,944 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $12,000 | 5,224 |
| Income before extraordinary items | $148,000 | 5,674 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $148,000 | 5,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $148,000 | 5,658 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,281,000 | 5,953 |
| Total interest expense | $1,785,000 | 5,713 |
| Net interest income | $2,496,000 | 6,028 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $321,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $229,000 | 4,702 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $92,000 | 6,472 |
| Total noninterest expense | $2,169,000 | 5,923 |
| Salaries and employee benefits | $1,327,000 | 5,588 |
| Premises and equipment expense | $295,000 | 5,776 |
| Additional noninterest expense | $547,000 | 6,319 |
| Pre-tax net operating income | $528,000 | 6,394 |
| Securities gains (losses) | $-38,000 | 7,833 |
| Applicable income taxes | $-44,000 | 8,283 |
| Income before extraordinary items | $534,000 | 6,034 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $534,000 | 6,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,104 |
| Cash dividends | $218,000 | 4,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $572,000 | 5,913 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,129,000 | 6,029 |
| Total interest expense | $1,316,000 | 5,682 |
| Net interest income | $1,813,000 | 6,171 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $246,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $179,000 | 4,652 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $67,000 | 6,506 |
| Total noninterest expense | $1,623,000 | 5,918 |
| Salaries and employee benefits | $1,047,000 | 5,404 |
| Premises and equipment expense | $212,000 | 5,907 |
| Additional noninterest expense | $364,000 | 6,601 |
| Pre-tax net operating income | $346,000 | 6,800 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-101,000 | 8,561 |
| Income before extraordinary items | $447,000 | 6,008 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $447,000 | 6,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,088 |
| Cash dividends | $184,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $447,000 | 6,007 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,047,000 | 6,056 |
| Total interest expense | $845,000 | 5,665 |
| Net interest income | $1,202,000 | 6,216 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $156,000 | 6,166 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $119,000 | 4,620 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 6,841 |
| Total noninterest expense | $1,138,000 | 5,780 |
| Salaries and employee benefits | $769,000 | 5,116 |
| Premises and equipment expense | $144,000 | 5,879 |
| Additional noninterest expense | $225,000 | 6,847 |
| Pre-tax net operating income | $160,000 | 7,322 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-112,000 | 8,638 |
| Income before extraordinary items | $272,000 | 6,212 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $272,000 | 6,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $113,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $272,000 | 6,217 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $995,000 | 6,108 |
| Total interest expense | $395,000 | 5,739 |
| Net interest income | $600,000 | 6,234 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $72,000 | 6,277 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $50,000 | 4,949 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $501,000 | 6,178 |
| Salaries and employee benefits | $327,000 | 5,669 |
| Premises and equipment expense | $69,000 | 5,991 |
| Additional noninterest expense | $105,000 | 6,979 |
| Pre-tax net operating income | $141,000 | 6,530 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-123,000 | 8,708 |
| Income before extraordinary items | $264,000 | 4,735 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $264,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,092 |
| Cash dividends | $74,000 | 3,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $264,000 | 4,715 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,664,000 | 6,068 |
| Total interest expense | $1,262,000 | 5,702 |
| Net interest income | $2,402,000 | 6,153 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $287,000 | 6,409 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $186,000 | 5,184 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $101,000 | 6,387 |
| Total noninterest expense | $1,796,000 | 6,412 |
| Salaries and employee benefits | $1,000,000 | 6,347 |
| Premises and equipment expense | $299,000 | 5,745 |
| Additional noninterest expense | $497,000 | 6,598 |
| Pre-tax net operating income | $773,000 | 5,955 |
| Securities gains (losses) | $-54,000 | 8,214 |
| Applicable income taxes | $250,000 | 4,363 |
| Income before extraordinary items | $469,000 | 6,493 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $469,000 | 6,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $418,000 | 1,345 |
| Cash dividends | $338,000 | 4,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $504,100 | 6,329 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,734,000 | 6,068 |
| Total interest expense | $923,000 | 5,661 |
| Net interest income | $1,811,000 | 6,170 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $213,000 | 6,472 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $130,000 | 5,367 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 6,247 |
| Total noninterest expense | $1,359,000 | 6,374 |
| Salaries and employee benefits | $739,000 | 6,384 |
| Premises and equipment expense | $253,000 | 5,393 |
| Additional noninterest expense | $367,000 | 6,606 |
| Pre-tax net operating income | $575,000 | 6,112 |
| Securities gains (losses) | $-44,000 | 8,431 |
| Applicable income taxes | $187,000 | 4,516 |
| Income before extraordinary items | $344,000 | 6,683 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $344,000 | 6,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 1,870 |
| Cash dividends | $132,000 | 4,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $372,600 | 6,486 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 6,047 |
| Total interest expense | $581,000 | 5,648 |
| Net interest income | $1,213,000 | 6,151 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $134,000 | 6,557 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $77,000 | 5,561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $57,000 | 6,200 |
| Total noninterest expense | $921,000 | 6,327 |
| Salaries and employee benefits | $503,000 | 6,324 |
| Premises and equipment expense | $174,000 | 5,280 |
| Additional noninterest expense | $244,000 | 6,601 |
| Pre-tax net operating income | $366,000 | 6,187 |
| Securities gains (losses) | $-6,000 | 7,982 |
| Applicable income taxes | $124,000 | 4,519 |
| Income before extraordinary items | $236,000 | 6,631 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $236,000 | 6,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 1,263 |
| Cash dividends | $104,000 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $239,960 | 6,553 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 6,160 |
| Total interest expense | $267,000 | 5,789 |
| Net interest income | $598,000 | 6,235 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $67,000 | 6,520 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $37,000 | 5,594 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,174 |
| Total noninterest expense | $427,000 | 6,591 |
| Salaries and employee benefits | $240,000 | 6,497 |
| Premises and equipment expense | $95,000 | 5,050 |
| Additional noninterest expense | $92,000 | 7,317 |
| Pre-tax net operating income | $208,000 | 5,878 |
| Securities gains (losses) | $-5,000 | 8,378 |
| Applicable income taxes | $62,000 | 4,479 |
| Income before extraordinary items | $141,000 | 6,234 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $141,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 843 |
| Cash dividends | $36,000 | 3,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $144,450 | 6,144 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,147,000 | 6,292 |
| Total interest expense | $952,000 | 5,800 |
| Net interest income | $2,195,000 | 6,376 |
| Provision for loan and lease losses | $130,000 | 4,479 |
| Total noninterest income | $138,000 | 7,720 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $167,000 | 5,592 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-29,000 | 8,944 |
| Total noninterest expense | $1,474,000 | 6,924 |
| Salaries and employee benefits | $794,000 | 6,959 |
| Premises and equipment expense | $233,000 | 6,375 |
| Additional noninterest expense | $447,000 | 6,857 |
| Pre-tax net operating income | $729,000 | 6,013 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $229,000 | 4,575 |
| Income before extraordinary items | $501,000 | 6,361 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $501,000 | 6,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,915 |
| Cash dividends | $106,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $500,310 | 6,288 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 6,349 |
| Total interest expense | $706,000 | 5,797 |
| Net interest income | $1,606,000 | 6,458 |
| Provision for loan and lease losses | $85,000 | 4,653 |
| Total noninterest income | $80,000 | 8,071 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $123,000 | 5,662 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-43,000 | 9,015 |
| Total noninterest expense | $1,207,000 | 6,662 |
| Salaries and employee benefits | $574,000 | 7,009 |
| Premises and equipment expense | $301,000 | 4,738 |
| Additional noninterest expense | $332,000 | 6,855 |
| Pre-tax net operating income | $394,000 | 6,768 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $115,000 | 5,184 |
| Income before extraordinary items | $279,000 | 7,036 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $279,000 | 7,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,231 |
| Cash dividends | $83,000 | 4,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $279,000 | 6,970 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,524,000 | 6,411 |
| Total interest expense | $467,000 | 5,850 |
| Net interest income | $1,057,000 | 6,514 |
| Provision for loan and lease losses | $40,000 | 5,015 |
| Total noninterest income | $16,000 | 8,821 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $83,000 | 5,648 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-67,000 | 9,078 |
| Total noninterest expense | $762,000 | 6,848 |
| Salaries and employee benefits | $384,000 | 7,043 |
| Premises and equipment expense | $190,000 | 4,934 |
| Additional noninterest expense | $188,000 | 7,273 |
| Pre-tax net operating income | $271,000 | 6,686 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $82,000 | 5,085 |
| Income before extraordinary items | $189,000 | 6,998 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $189,000 | 6,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,718 |
| Cash dividends | $45,000 | 4,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $189,000 | 6,927 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $751,000 | 6,482 |
| Total interest expense | $230,000 | 5,935 |
| Net interest income | $521,000 | 6,573 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $-34,000 | 9,101 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $36,000 | 5,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-70,000 | 9,116 |
| Total noninterest expense | $328,000 | 7,286 |
| Salaries and employee benefits | $182,000 | 7,232 |
| Premises and equipment expense | $50,000 | 6,793 |
| Additional noninterest expense | $96,000 | 7,245 |
| Pre-tax net operating income | $144,000 | 6,523 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $44,000 | 5,008 |
| Income before extraordinary items | $100,000 | 6,881 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $100,000 | 6,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $45,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $100,000 | 6,781 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,060,000 | 6,446 |
| Total interest expense | $1,025,000 | 6,042 |
| Net interest income | $2,035,000 | 6,549 |
| Provision for loan and lease losses | $216,000 | 3,884 |
| Total noninterest income | $212,000 | 7,246 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $153,000 | 5,820 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $59,000 | 7,340 |
| Total noninterest expense | $1,429,000 | 7,019 |
| Salaries and employee benefits | $730,000 | 7,188 |
| Premises and equipment expense | $323,000 | 5,438 |
| Additional noninterest expense | $376,000 | 7,290 |
| Pre-tax net operating income | $602,000 | 6,335 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $160,000 | 5,198 |
| Income before extraordinary items | $442,000 | 6,610 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $442,000 | 6,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,094 |
| Cash dividends | $83,000 | 5,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $442,000 | 6,443 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,302,000 | 6,516 |
| Total interest expense | $784,000 | 6,129 |
| Net interest income | $1,518,000 | 6,601 |
| Provision for loan and lease losses | $162,000 | 3,760 |
| Total noninterest income | $155,000 | 7,334 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $114,000 | 5,877 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $41,000 | 7,480 |
| Total noninterest expense | $985,000 | 7,240 |
| Salaries and employee benefits | $540,000 | 7,187 |
| Premises and equipment expense | $193,000 | 6,092 |
| Additional noninterest expense | $252,000 | 7,541 |
| Pre-tax net operating income | $526,000 | 6,174 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $163,000 | 4,974 |
| Income before extraordinary items | $363,000 | 6,578 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $363,000 | 6,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,062 |
| Cash dividends | $57,000 | 5,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $363,000 | 6,402 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,536,000 | 6,568 |
| Total interest expense | $539,000 | 6,166 |
| Net interest income | $997,000 | 6,646 |
| Provision for loan and lease losses | $108,000 | 3,738 |
| Total noninterest income | $101,000 | 7,387 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $75,000 | 5,891 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $26,000 | 7,515 |
| Total noninterest expense | $655,000 | 7,280 |
| Salaries and employee benefits | $382,000 | 7,060 |
| Premises and equipment expense | $104,000 | 6,670 |
| Additional noninterest expense | $169,000 | 7,523 |
| Pre-tax net operating income | $335,000 | 6,275 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $102,000 | 5,103 |
| Income before extraordinary items | $233,000 | 6,684 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $233,000 | 6,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $34,000 | 4,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $233,000 | 6,472 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $766,000 | 6,619 |
| Total interest expense | $267,000 | 6,291 |
| Net interest income | $499,000 | 6,655 |
| Provision for loan and lease losses | $54,000 | 3,580 |
| Total noninterest income | $45,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $342,000 | 7,185 |
| Salaries and employee benefits | $211,000 | 6,813 |
| Premises and equipment expense | $48,000 | 6,893 |
| Additional noninterest expense | $83,000 | 7,586 |
| Pre-tax net operating income | $148,000 | 6,486 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $44,000 | 5,276 |
| Income before extraordinary items | $104,000 | 6,819 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $104,000 | 6,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $22,000 | 3,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $104,000 | 6,655 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 6,794 |
| Total interest expense | $1,118,000 | 6,626 |
| Net interest income | $1,939,000 | 6,719 |
| Provision for loan and lease losses | $170,000 | 4,692 |
| Total noninterest income | $210,000 | 7,211 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $151,000 | 5,822 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $59,000 | 7,380 |
| Total noninterest expense | $1,308,000 | 7,229 |
| Salaries and employee benefits | $668,000 | 7,411 |
| Premises and equipment expense | $223,000 | 6,487 |
| Additional noninterest expense | $417,000 | 7,027 |
| Pre-tax net operating income | $671,000 | 6,185 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $184,000 | 5,228 |
| Income before extraordinary items | $487,000 | 6,464 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $487,000 | 6,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,634 |
| Cash dividends | $19,000 | 6,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $487,000 | 6,309 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,098,000 | 7,159 |
| Total interest expense | $1,575,000 | 6,833 |
| Net interest income | $1,523,000 | 7,286 |
| Provision for loan and lease losses | $116,000 | 5,357 |
| Total noninterest income | $245,000 | 6,907 |
| Gross Fiduciary activities income | $2,000 | 1,637 |
| Service charges on deposit accounts | $152,000 | 5,774 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $91,000 | 6,630 |
| Total noninterest expense | $1,121,000 | 7,648 |
| Salaries and employee benefits | $592,000 | 7,707 |
| Premises and equipment expense | $199,000 | 6,806 |
| Additional noninterest expense | $330,000 | 7,642 |
| Pre-tax net operating income | $531,000 | 6,437 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $139,000 | 5,564 |
| Income before extraordinary items | $392,000 | 6,617 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $392,000 | 6,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,735 |
| Cash dividends | $130,000 | 5,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $392,000 | 6,489 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 7,641 |
| Total interest expense | $1,482,000 | 7,208 |
| Net interest income | $1,291,000 | 7,884 |
| Provision for loan and lease losses | $6,000 | 8,107 |
| Total noninterest income | $203,000 | 7,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 5,560 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,238 |
| Total noninterest expense | $1,066,000 | 7,826 |
| Salaries and employee benefits | $564,000 | 7,902 |
| Premises and equipment expense | $171,000 | 7,229 |
| Additional noninterest expense | $331,000 | 7,706 |
| Pre-tax net operating income | $422,000 | 7,359 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $103,000 | 6,475 |
| Income before extraordinary items | $319,000 | 7,356 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $319,000 | 7,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 9,436 |
| Cash dividends | $132,000 | 5,665 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 589 |
| Net operating income | $319,000 | 7,359 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,205,000 | 8,255 |
| Total interest expense | $1,094,000 | 7,929 |
| Net interest income | $1,111,000 | 8,381 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $183,000 | 7,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 5,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,750 |
| Total noninterest expense | $917,000 | 8,374 |
| Salaries and employee benefits | $521,000 | 8,219 |
| Premises and equipment expense | $106,000 | 8,515 |
| Additional noninterest expense | $290,000 | 8,195 |
| Pre-tax net operating income | $377,000 | 7,702 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $98,000 | 6,945 |
| Income before extraordinary items | $279,000 | 7,728 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $279,000 | 7,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $93,000 | 6,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $279,000 | 7,705 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 8,573 |
| Total interest expense | $1,021,000 | 8,368 |
| Net interest income | $1,068,000 | 8,641 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $173,000 | 7,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,260 |
| Total noninterest expense | $833,000 | 8,662 |
| Salaries and employee benefits | $482,000 | 8,476 |
| Premises and equipment expense | $116,000 | 8,357 |
| Additional noninterest expense | $235,000 | 8,744 |
| Pre-tax net operating income | $368,000 | 8,043 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $98,000 | 7,562 |
| Income before extraordinary items | $270,000 | 8,109 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $270,000 | 8,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 9,971 |
| Cash dividends | $135,000 | 5,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $270,000 | 8,035 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,871,000 | 9,180 |
| Total interest expense | $859,000 | 9,087 |
| Net interest income | $1,012,000 | 9,154 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $134,000 | 8,839 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,946 |
| Total noninterest expense | $751,000 | 9,221 |
| Salaries and employee benefits | $434,000 | 9,045 |
| Premises and equipment expense | $109,000 | 8,750 |
| Additional noninterest expense | $208,000 | 9,301 |
| Pre-tax net operating income | $395,000 | 8,470 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $131,000 | 7,903 |
| Income before extraordinary items | $263,000 | 8,648 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $263,000 | 8,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $119,000 | 6,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $263,670 | 8,612 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,668,000 | 9,855 |
| Total interest expense | $732,000 | 9,874 |
| Net interest income | $936,000 | 9,736 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $111,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 7,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,065 |
| Total noninterest expense | $560,000 | 10,361 |
| Salaries and employee benefits | $323,000 | 10,148 |
| Premises and equipment expense | $47,000 | 10,725 |
| Additional noninterest expense | $190,000 | 10,047 |
| Pre-tax net operating income | $472,000 | 8,106 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $160,000 | 7,726 |
| Income before extraordinary items | $312,000 | 8,324 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $312,000 | 8,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 10,893 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $312,000 | 8,262 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 10,416 |
| Total interest expense | $709,000 | 10,277 |
| Net interest income | $852,000 | 10,377 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $93,000 | 10,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,706 |
| Total noninterest expense | $511,000 | 10,977 |
| Salaries and employee benefits | $311,000 | 10,655 |
| Premises and equipment expense | $36,000 | 11,479 |
| Additional noninterest expense | $164,000 | 10,891 |
| Pre-tax net operating income | $384,000 | 9,168 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $131,000 | 8,602 |
| Income before extraordinary items | $253,000 | 9,382 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $253,000 | 9,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,045 |
| Cash dividends | $241,000 | 5,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $253,000 | 9,359 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 11,121 |
| Total interest expense | $492,000 | 11,139 |
| Net interest income | $815,000 | 10,999 |
| Provision for loan and lease losses | $35,000 | 6,861 |
| Total noninterest income | $88,000 | 11,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 9,555 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,550 |
| Total noninterest expense | $572,000 | 11,258 |
| Salaries and employee benefits | $358,000 | 10,658 |
| Premises and equipment expense | $42,000 | 11,924 |
| Additional noninterest expense | $172,000 | 11,501 |
| Pre-tax net operating income | $296,000 | 10,164 |
| Securities gains (losses) | $142,000 | 623 |
| Applicable income taxes | $148,000 | 8,343 |
| Income before extraordinary items | $290,000 | 9,255 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $290,000 | 9,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,490 |
| Cash dividends | $689,000 | 2,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $196,280 | 10,367 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,196,000 | 11,896 |
| Total interest expense | $465,000 | 11,860 |
| Net interest income | $731,000 | 11,749 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $99,000 | 11,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $569,000 | 11,807 |
| Salaries and employee benefits | $353,000 | 11,117 |
| Premises and equipment expense | $34,000 | 12,727 |
| Additional noninterest expense | $182,000 | 11,988 |
| Pre-tax net operating income | $261,000 | 10,545 |
| Securities gains (losses) | $50,000 | 3,394 |
| Applicable income taxes | $77,000 | 10,286 |
| Income before extraordinary items | $234,000 | 10,229 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $234,000 | 10,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 12,803 |
| Cash dividends | $16,000 | 8,758 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $196,500 | 10,478 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,328,000 | 12,341 |
| Total interest expense | $585,000 | 12,357 |
| Net interest income | $743,000 | 12,143 |
| Provision for loan and lease losses | $124,000 | 6,630 |
| Total noninterest income | $93,000 | 11,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 9,807 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $617,000 | 11,955 |
| Salaries and employee benefits | $350,000 | 11,434 |
| Premises and equipment expense | $32,000 | 13,348 |
| Additional noninterest expense | $235,000 | 11,746 |
| Pre-tax net operating income | $95,000 | 12,075 |
| Securities gains (losses) | $25,000 | 5,285 |
| Applicable income taxes | $13,000 | 12,284 |
| Income before extraordinary items | $107,000 | 11,849 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $107,000 | 11,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 7,683 |
| Cash dividends | $16,000 | 8,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $84,750 | 11,861 |
* 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.