Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,765,000 | 1,859 |
| Total interest expense | $9,432,000 | 2,029 |
| Net interest income | $13,333,000 | 1,693 |
| Provision for loan and lease losses | $280,000 | 3,319 |
| Total noninterest income | $2,229,000 | 2,060 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,406,000 | 1,268 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $823,000 | 2,522 |
| Total noninterest expense | $9,304,000 | 1,983 |
| Salaries and employee benefits | $5,908,000 | 1,706 |
| Premises and equipment expense | $1,075,000 | 2,414 |
| Additional noninterest expense | $2,321,000 | 2,327 |
| Pre-tax net operating income | $5,978,000 | 1,400 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $17,000 | 5,485 |
| Income before extraordinary items | $5,961,000 | 1,089 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,961,000 | 1,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,502 |
| Cash dividends | $2,975,000 | 1,204 |
| Sale, conversion, retirement of capital stock, net | $903,000 | 449 |
| Net operating income | $5,961,000 | 1,070 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,057,000 | 1,864 |
| Total interest expense | $7,046,000 | 2,033 |
| Net interest income | $10,011,000 | 1,698 |
| Provision for loan and lease losses | $245,000 | 2,643 |
| Total noninterest income | $1,648,000 | 2,072 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,035,000 | 1,270 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $613,000 | 2,529 |
| Total noninterest expense | $7,007,000 | 1,962 |
| Salaries and employee benefits | $4,402,000 | 1,707 |
| Premises and equipment expense | $848,000 | 2,280 |
| Additional noninterest expense | $1,757,000 | 2,257 |
| Pre-tax net operating income | $4,407,000 | 1,535 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $15,000 | 5,595 |
| Income before extraordinary items | $4,392,000 | 1,177 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,392,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,621 |
| Cash dividends | $2,375,000 | 1,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,392,000 | 1,158 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,147,000 | 1,918 |
| Total interest expense | $4,601,000 | 2,071 |
| Net interest income | $6,546,000 | 1,753 |
| Provision for loan and lease losses | $170,000 | 2,429 |
| Total noninterest income | $1,063,000 | 2,150 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $681,000 | 1,298 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $382,000 | 2,637 |
| Total noninterest expense | $4,650,000 | 1,986 |
| Salaries and employee benefits | $2,958,000 | 1,738 |
| Premises and equipment expense | $551,000 | 2,349 |
| Additional noninterest expense | $1,141,000 | 2,333 |
| Pre-tax net operating income | $2,789,000 | 1,654 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $13,000 | 5,554 |
| Income before extraordinary items | $2,776,000 | 1,290 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,776,000 | 1,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,770 |
| Cash dividends | $1,650,000 | 1,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,776,000 | 1,272 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,442,000 | 1,961 |
| Total interest expense | $2,228,000 | 2,121 |
| Net interest income | $3,214,000 | 1,789 |
| Provision for loan and lease losses | $95,000 | 2,102 |
| Total noninterest income | $541,000 | 2,100 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $337,000 | 1,275 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $204,000 | 2,518 |
| Total noninterest expense | $2,359,000 | 1,959 |
| Salaries and employee benefits | $1,527,000 | 1,706 |
| Premises and equipment expense | $281,000 | 2,328 |
| Additional noninterest expense | $551,000 | 2,394 |
| Pre-tax net operating income | $1,301,000 | 1,758 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $10,000 | 5,322 |
| Income before extraordinary items | $1,291,000 | 1,365 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,291,000 | 1,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $700,000 | 1,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,291,000 | 1,357 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,651,000 | 2,014 |
| Total interest expense | $6,908,000 | 2,310 |
| Net interest income | $12,743,000 | 1,809 |
| Provision for loan and lease losses | $510,000 | 1,870 |
| Total noninterest income | $2,060,000 | 2,173 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,385,000 | 1,284 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $675,000 | 2,815 |
| Total noninterest expense | $8,566,000 | 2,053 |
| Salaries and employee benefits | $5,081,000 | 1,913 |
| Premises and equipment expense | $1,105,000 | 2,247 |
| Additional noninterest expense | $2,380,000 | 2,194 |
| Pre-tax net operating income | $5,727,000 | 1,681 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $48,000 | 5,476 |
| Income before extraordinary items | $5,679,000 | 1,277 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,679,000 | 1,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,117 |
| Cash dividends | $3,950,000 | 877 |
| Sale, conversion, retirement of capital stock, net | $749,000 | 533 |
| Net operating income | $5,679,000 | 1,264 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,297,000 | 2,061 |
| Total interest expense | $4,812,000 | 2,395 |
| Net interest income | $9,485,000 | 1,836 |
| Provision for loan and lease losses | $360,000 | 1,848 |
| Total noninterest income | $1,535,000 | 2,195 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,046,000 | 1,279 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $489,000 | 2,883 |
| Total noninterest expense | $6,335,000 | 2,084 |
| Salaries and employee benefits | $3,753,000 | 1,940 |
| Premises and equipment expense | $820,000 | 2,266 |
| Additional noninterest expense | $1,762,000 | 2,212 |
| Pre-tax net operating income | $4,325,000 | 1,726 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $36,000 | 5,635 |
| Income before extraordinary items | $4,289,000 | 1,322 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,289,000 | 1,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,035 |
| Cash dividends | $2,500,000 | 955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,289,000 | 1,311 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,149,000 | 2,103 |
| Total interest expense | $2,893,000 | 2,511 |
| Net interest income | $6,256,000 | 1,856 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $976,000 | 2,262 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $681,000 | 1,303 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $295,000 | 3,060 |
| Total noninterest expense | $4,141,000 | 2,133 |
| Salaries and employee benefits | $2,473,000 | 1,962 |
| Premises and equipment expense | $531,000 | 2,338 |
| Additional noninterest expense | $1,137,000 | 2,282 |
| Pre-tax net operating income | $2,851,000 | 1,734 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $24,000 | 5,702 |
| Income before extraordinary items | $2,827,000 | 1,330 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,827,000 | 1,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,044 |
| Cash dividends | $2,100,000 | 771 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,827,000 | 1,312 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,397,000 | 2,133 |
| Total interest expense | $1,340,000 | 2,571 |
| Net interest income | $3,057,000 | 1,894 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $480,000 | 2,241 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $330,000 | 1,303 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $150,000 | 2,969 |
| Total noninterest expense | $2,020,000 | 2,190 |
| Salaries and employee benefits | $1,244,000 | 1,967 |
| Premises and equipment expense | $247,000 | 2,492 |
| Additional noninterest expense | $529,000 | 2,424 |
| Pre-tax net operating income | $1,397,000 | 1,734 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $12,000 | 5,666 |
| Income before extraordinary items | $1,385,000 | 1,322 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,385,000 | 1,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,385,000 | 1,303 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,461,000 | 2,151 |
| Total interest expense | $3,949,000 | 2,681 |
| Net interest income | $11,512,000 | 1,923 |
| Provision for loan and lease losses | $400,000 | 2,269 |
| Total noninterest income | $1,886,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,319,000 | 1,340 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $567,000 | 3,168 |
| Total noninterest expense | $7,943,000 | 2,101 |
| Salaries and employee benefits | $4,632,000 | 1,987 |
| Premises and equipment expense | $1,025,000 | 2,314 |
| Additional noninterest expense | $2,286,000 | 2,190 |
| Pre-tax net operating income | $5,055,000 | 1,849 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $49,000 | 5,876 |
| Income before extraordinary items | $5,006,000 | 1,418 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,006,000 | 1,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,088 |
| Cash dividends | $2,550,000 | 1,185 |
| Sale, conversion, retirement of capital stock, net | $615,000 | 521 |
| Net operating income | $5,006,000 | 1,395 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,148,000 | 2,178 |
| Total interest expense | $2,705,000 | 2,753 |
| Net interest income | $8,443,000 | 1,957 |
| Provision for loan and lease losses | $205,000 | 2,914 |
| Total noninterest income | $1,408,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $982,000 | 1,331 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $426,000 | 3,166 |
| Total noninterest expense | $5,806,000 | 2,129 |
| Salaries and employee benefits | $3,373,000 | 2,019 |
| Premises and equipment expense | $752,000 | 2,347 |
| Additional noninterest expense | $1,681,000 | 2,200 |
| Pre-tax net operating income | $3,840,000 | 1,827 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $40,000 | 5,934 |
| Income before extraordinary items | $3,800,000 | 1,408 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,800,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,007 |
| Cash dividends | $1,900,000 | 1,105 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 677 |
| Net operating income | $3,800,000 | 1,386 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,119,000 | 2,214 |
| Total interest expense | $1,628,000 | 2,859 |
| Net interest income | $5,491,000 | 1,980 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $881,000 | 2,390 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $637,000 | 1,338 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $244,000 | 3,406 |
| Total noninterest expense | $3,783,000 | 2,162 |
| Salaries and employee benefits | $2,203,000 | 2,058 |
| Premises and equipment expense | $505,000 | 2,309 |
| Additional noninterest expense | $1,075,000 | 2,276 |
| Pre-tax net operating income | $2,469,000 | 1,865 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $31,000 | 5,850 |
| Income before extraordinary items | $2,438,000 | 1,433 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,438,000 | 1,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,161 |
| Cash dividends | $1,900,000 | 769 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 549 |
| Net operating income | $2,438,000 | 1,406 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,368,000 | 2,288 |
| Total interest expense | $695,000 | 3,141 |
| Net interest income | $2,673,000 | 2,021 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $439,000 | 2,346 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $317,000 | 1,297 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $122,000 | 3,360 |
| Total noninterest expense | $1,871,000 | 2,203 |
| Salaries and employee benefits | $1,104,000 | 2,068 |
| Premises and equipment expense | $148,000 | 3,685 |
| Additional noninterest expense | $619,000 | 1,982 |
| Pre-tax net operating income | $1,196,000 | 1,890 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $25,000 | 5,466 |
| Income before extraordinary items | $1,171,000 | 1,451 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,171,000 | 1,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $600,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 370 |
| Net operating income | $1,171,000 | 1,427 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,537,000 | 2,492 |
| Total interest expense | $2,109,000 | 3,493 |
| Net interest income | $9,428,000 | 2,162 |
| Provision for loan and lease losses | $151,000 | 4,218 |
| Total noninterest income | $1,915,000 | 2,262 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,297,000 | 1,366 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $618,000 | 2,934 |
| Total noninterest expense | $7,067,000 | 2,260 |
| Salaries and employee benefits | $4,174,000 | 2,092 |
| Premises and equipment expense | $578,000 | 3,640 |
| Additional noninterest expense | $2,315,000 | 2,103 |
| Pre-tax net operating income | $4,125,000 | 2,008 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $4,125,000 | 1,566 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,125,000 | 1,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,102 |
| Cash dividends | $1,825,000 | 1,469 |
| Sale, conversion, retirement of capital stock, net | $406,000 | 495 |
| Net operating income | $4,125,000 | 1,523 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,375,000 | 2,523 |
| Total interest expense | $1,517,000 | 3,565 |
| Net interest income | $6,858,000 | 2,204 |
| Provision for loan and lease losses | $51,000 | 5,354 |
| Total noninterest income | $1,435,000 | 2,275 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $967,000 | 1,384 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $468,000 | 2,914 |
| Total noninterest expense | $5,171,000 | 2,301 |
| Salaries and employee benefits | $3,067,000 | 2,124 |
| Premises and equipment expense | $427,000 | 3,699 |
| Additional noninterest expense | $1,677,000 | 2,149 |
| Pre-tax net operating income | $3,071,000 | 2,038 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $3,071,000 | 1,583 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,071,000 | 1,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $1,625,000 | 1,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,071,000 | 1,535 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,465,000 | 2,556 |
| Total interest expense | $973,000 | 3,687 |
| Net interest income | $4,492,000 | 2,231 |
| Provision for loan and lease losses | $51,000 | 4,664 |
| Total noninterest income | $942,000 | 2,294 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $632,000 | 1,400 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $310,000 | 2,932 |
| Total noninterest expense | $3,323,000 | 2,400 |
| Salaries and employee benefits | $2,004,000 | 2,170 |
| Premises and equipment expense | $283,000 | 3,720 |
| Additional noninterest expense | $1,036,000 | 2,319 |
| Pre-tax net operating income | $2,060,000 | 1,997 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $2,060,000 | 1,563 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,060,000 | 1,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,788 |
| Cash dividends | $1,175,000 | 1,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,060,000 | 1,502 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,764,000 | 2,529 |
| Total interest expense | $473,000 | 3,819 |
| Net interest income | $2,291,000 | 2,188 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $447,000 | 2,356 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $311,000 | 1,381 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $136,000 | 3,110 |
| Total noninterest expense | $1,701,000 | 2,339 |
| Salaries and employee benefits | $1,009,000 | 2,176 |
| Premises and equipment expense | $122,000 | 4,191 |
| Additional noninterest expense | $570,000 | 2,071 |
| Pre-tax net operating income | $1,012,000 | 1,990 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $1,012,000 | 1,583 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,012,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,012,000 | 1,490 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,763,000 | 2,632 |
| Total interest expense | $2,213,000 | 3,693 |
| Net interest income | $8,550,000 | 2,266 |
| Provision for loan and lease losses | $200,000 | 4,016 |
| Total noninterest income | $2,317,000 | 2,077 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,231,000 | 1,407 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,086,000 | 2,270 |
| Total noninterest expense | $6,525,000 | 2,406 |
| Salaries and employee benefits | $3,684,000 | 2,303 |
| Premises and equipment expense | $494,000 | 4,100 |
| Additional noninterest expense | $2,347,000 | 2,054 |
| Pre-tax net operating income | $4,142,000 | 1,930 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $36,000 | 6,492 |
| Income before extraordinary items | $4,106,000 | 1,529 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,106,000 | 1,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $1,755,000 | 1,543 |
| Sale, conversion, retirement of capital stock, net | $380,000 | 523 |
| Net operating income | $4,106,000 | 1,461 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,922,000 | 2,716 |
| Total interest expense | $1,715,000 | 3,698 |
| Net interest income | $6,207,000 | 2,357 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,788,000 | 2,076 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $904,000 | 1,452 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $884,000 | 2,223 |
| Total noninterest expense | $4,889,000 | 2,413 |
| Salaries and employee benefits | $2,758,000 | 2,303 |
| Premises and equipment expense | $386,000 | 3,962 |
| Additional noninterest expense | $1,745,000 | 2,050 |
| Pre-tax net operating income | $3,106,000 | 1,993 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $36,000 | 6,460 |
| Income before extraordinary items | $3,070,000 | 1,582 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,070,000 | 1,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $1,230,000 | 1,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,070,000 | 1,510 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,310,000 | 2,727 |
| Total interest expense | $1,202,000 | 3,660 |
| Net interest income | $4,108,000 | 2,362 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,249,000 | 1,991 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $579,000 | 1,488 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $670,000 | 2,036 |
| Total noninterest expense | $3,279,000 | 2,392 |
| Salaries and employee benefits | $1,877,000 | 2,255 |
| Premises and equipment expense | $262,000 | 3,895 |
| Additional noninterest expense | $1,140,000 | 2,095 |
| Pre-tax net operating income | $2,078,000 | 1,974 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $36,000 | 6,202 |
| Income before extraordinary items | $2,042,000 | 1,589 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,042,000 | 1,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $780,000 | 1,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,042,000 | 1,486 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,691,000 | 2,709 |
| Total interest expense | $608,000 | 3,708 |
| Net interest income | $2,083,000 | 2,335 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $655,000 | 1,870 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $286,000 | 1,453 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $369,000 | 1,838 |
| Total noninterest expense | $1,651,000 | 2,351 |
| Salaries and employee benefits | $983,000 | 2,151 |
| Premises and equipment expense | $127,000 | 3,981 |
| Additional noninterest expense | $541,000 | 2,174 |
| Pre-tax net operating income | $1,087,000 | 1,895 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $36,000 | 5,525 |
| Income before extraordinary items | $1,051,000 | 1,533 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,051,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,051,000 | 1,439 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,833,000 | 2,813 |
| Total interest expense | $2,902,000 | 3,616 |
| Net interest income | $7,931,000 | 2,417 |
| Provision for loan and lease losses | $82,000 | 6,044 |
| Total noninterest income | $2,651,000 | 1,720 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,125,000 | 1,435 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,526,000 | 1,628 |
| Total noninterest expense | $6,499,000 | 2,298 |
| Salaries and employee benefits | $3,495,000 | 2,296 |
| Premises and equipment expense | $620,000 | 3,317 |
| Additional noninterest expense | $2,384,000 | 1,944 |
| Pre-tax net operating income | $4,001,000 | 1,992 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $4,001,000 | 1,532 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,001,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,979 |
| Cash dividends | $2,140,000 | 1,242 |
| Sale, conversion, retirement of capital stock, net | $293,000 | 541 |
| Net operating income | $4,001,000 | 1,486 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,151,000 | 3,027 |
| Total interest expense | $4,251,000 | 3,618 |
| Net interest income | $6,900,000 | 2,595 |
| Provision for loan and lease losses | $122,000 | 5,165 |
| Total noninterest income | $2,259,000 | 1,827 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $771,000 | 1,969 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,488,000 | 1,527 |
| Total noninterest expense | $6,006,000 | 2,378 |
| Salaries and employee benefits | $3,158,000 | 2,376 |
| Premises and equipment expense | $682,000 | 3,015 |
| Additional noninterest expense | $2,166,000 | 2,074 |
| Pre-tax net operating income | $3,031,000 | 2,240 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $431,000 | 3,592 |
| Income before extraordinary items | $2,600,000 | 2,008 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,600,000 | 2,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $1,185,000 | 2,011 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 759 |
| Net operating income | $2,600,000 | 1,935 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,853,000 | 3,170 |
| Total interest expense | $4,974,000 | 3,335 |
| Net interest income | $5,879,000 | 3,011 |
| Provision for loan and lease losses | $3,000 | 8,228 |
| Total noninterest income | $2,015,000 | 1,864 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $657,000 | 2,101 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,358,000 | 1,496 |
| Total noninterest expense | $5,528,000 | 2,471 |
| Salaries and employee benefits | $2,981,000 | 2,404 |
| Premises and equipment expense | $814,000 | 2,529 |
| Additional noninterest expense | $1,733,000 | 2,480 |
| Pre-tax net operating income | $2,363,000 | 2,905 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $660,000 | 2,923 |
| Income before extraordinary items | $1,703,000 | 2,931 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,703,000 | 2,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,148 |
| Cash dividends | $540,000 | 3,417 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 826 |
| Net operating income | $1,703,000 | 2,914 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,217,000 | 3,461 |
| Total interest expense | $3,913,000 | 3,651 |
| Net interest income | $5,304,000 | 3,279 |
| Provision for loan and lease losses | $83,000 | 5,609 |
| Total noninterest income | $1,337,000 | 2,487 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $569,000 | 2,347 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $768,000 | 2,216 |
| Total noninterest expense | $4,335,000 | 3,077 |
| Salaries and employee benefits | $2,336,000 | 2,995 |
| Premises and equipment expense | $611,000 | 3,197 |
| Additional noninterest expense | $1,388,000 | 3,059 |
| Pre-tax net operating income | $2,223,000 | 3,068 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $620,000 | 3,152 |
| Income before extraordinary items | $1,603,000 | 3,078 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,603,000 | 3,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,726 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 919 |
| Net operating income | $1,603,000 | 3,044 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,845,000 | 3,584 |
| Total interest expense | $3,794,000 | 3,849 |
| Net interest income | $5,051,000 | 3,354 |
| Provision for loan and lease losses | $170,000 | 3,903 |
| Total noninterest income | $1,173,000 | 2,740 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $523,000 | 2,455 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $650,000 | 2,510 |
| Total noninterest expense | $3,824,000 | 3,356 |
| Salaries and employee benefits | $2,015,000 | 3,303 |
| Premises and equipment expense | $599,000 | 3,177 |
| Additional noninterest expense | $1,210,000 | 3,345 |
| Pre-tax net operating income | $2,230,000 | 3,061 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $670,000 | 3,134 |
| Income before extraordinary items | $1,560,000 | 3,158 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,560,000 | 3,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,453 |
| Cash dividends | $820,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $-50,000 | 10,326 |
| Net operating income | $1,560,000 | 3,071 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,248,000 | 3,863 |
| Total interest expense | $3,473,000 | 4,165 |
| Net interest income | $4,775,000 | 3,638 |
| Provision for loan and lease losses | $165,000 | 3,914 |
| Total noninterest income | $1,079,000 | 2,867 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $470,000 | 2,785 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $609,000 | 2,447 |
| Total noninterest expense | $3,659,000 | 3,465 |
| Salaries and employee benefits | $2,137,000 | 3,098 |
| Premises and equipment expense | $495,000 | 3,740 |
| Additional noninterest expense | $1,027,000 | 3,804 |
| Pre-tax net operating income | $2,030,000 | 3,484 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $650,000 | 3,452 |
| Income before extraordinary items | $1,380,000 | 3,612 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,380,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $820,000 | 2,516 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 10,732 |
| Net operating income | $1,380,000 | 3,536 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,813,000 | 4,130 |
| Total interest expense | $3,266,000 | 4,447 |
| Net interest income | $4,547,000 | 3,866 |
| Provision for loan and lease losses | $200,000 | 3,395 |
| Total noninterest income | $806,000 | 3,686 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $451,000 | 2,999 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $355,000 | 3,662 |
| Total noninterest expense | $3,293,000 | 4,006 |
| Salaries and employee benefits | $1,848,000 | 3,590 |
| Premises and equipment expense | $429,000 | 4,292 |
| Additional noninterest expense | $1,016,000 | 4,354 |
| Pre-tax net operating income | $1,860,000 | 3,610 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $558,000 | 3,794 |
| Income before extraordinary items | $1,311,000 | 3,611 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,311,000 | 3,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 10,764 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,304,700 | 3,565 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,473,000 | 4,284 |
| Total interest expense | $3,053,000 | 4,685 |
| Net interest income | $4,420,000 | 3,970 |
| Provision for loan and lease losses | $106,000 | 4,474 |
| Total noninterest income | $575,000 | 4,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $423,000 | 3,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,944 |
| Total noninterest expense | $3,787,000 | 3,490 |
| Salaries and employee benefits | $2,058,000 | 3,229 |
| Premises and equipment expense | $486,000 | 3,850 |
| Additional noninterest expense | $1,243,000 | 3,633 |
| Pre-tax net operating income | $1,102,000 | 5,594 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $332,000 | 5,639 |
| Income before extraordinary items | $770,000 | 5,595 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $770,000 | 5,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,422 |
| Cash dividends | $3,005,000 | 904 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $770,000 | 5,580 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,534,000 | 4,499 |
| Total interest expense | $2,268,000 | 5,043 |
| Net interest income | $4,266,000 | 4,124 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $742,000 | 3,942 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $451,000 | 3,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $291,000 | 4,167 |
| Total noninterest expense | $3,344,000 | 4,009 |
| Salaries and employee benefits | $1,687,000 | 3,850 |
| Premises and equipment expense | $488,000 | 3,879 |
| Additional noninterest expense | $1,169,000 | 4,147 |
| Pre-tax net operating income | $1,664,000 | 4,031 |
| Securities gains (losses) | $24,000 | 1,636 |
| Applicable income taxes | $387,000 | 4,876 |
| Income before extraordinary items | $1,301,000 | 3,587 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,301,000 | 3,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,282,520 | 3,675 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,812,000 | 5,097 |
| Total interest expense | $1,949,000 | 5,958 |
| Net interest income | $3,863,000 | 4,541 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $776,000 | 4,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $497,000 | 2,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $279,000 | 4,672 |
| Total noninterest expense | $3,212,000 | 4,249 |
| Salaries and employee benefits | $1,481,000 | 4,325 |
| Premises and equipment expense | $472,000 | 4,073 |
| Additional noninterest expense | $1,259,000 | 4,020 |
| Pre-tax net operating income | $1,407,000 | 4,584 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $377,000 | 5,218 |
| Income before extraordinary items | $1,030,000 | 4,586 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,030,000 | 4,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,030,000 | 4,345 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,028,000 | 5,465 |
| Total interest expense | $2,370,000 | 6,248 |
| Net interest income | $3,658,000 | 4,814 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $739,000 | 4,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $511,000 | 2,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $228,000 | 5,261 |
| Total noninterest expense | $3,001,000 | 4,535 |
| Salaries and employee benefits | $1,397,000 | 4,510 |
| Premises and equipment expense | $489,000 | 4,048 |
| Additional noninterest expense | $1,115,000 | 4,634 |
| Pre-tax net operating income | $1,316,000 | 4,568 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $315,000 | 5,736 |
| Income before extraordinary items | $1,001,000 | 4,502 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,001,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 13,268 |
| Cash dividends | $175,000 | 5,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,001,000 | 4,179 |
* 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.