Home > Horizon Bank > Income and Expense
Horizon Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,812,000 | 6,371 |
| Total interest expense | $1,054,000 | 5,443 |
| Net interest income | $758,000 | 7,061 |
| Provision for loan and lease losses | $141,000 | 3,761 |
| Total noninterest income | $136,000 | 6,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $136,000 | 4,479 |
| Total noninterest expense | $1,917,000 | 4,377 |
| Salaries and employee benefits | $538,000 | 6,316 |
| Premises and equipment expense | $376,000 | 3,374 |
| Additional noninterest expense | $1,003,000 | 2,733 |
| Pre-tax net operating income | $-1,164,000 | 7,989 |
| Securities gains (losses) | $8,000 | 2,549 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,156,000 | 8,053 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,156,000 | 8,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $776,000 | 996 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,164,000 | 8,047 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,439,000 | 5,314 |
| Total interest expense | $841,000 | 4,375 |
| Net interest income | $598,000 | 6,112 |
| Provision for loan and lease losses | $90,000 | 2,858 |
| Total noninterest income | $94,000 | 5,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $94,000 | 3,896 |
| Total noninterest expense | $1,325,000 | 3,428 |
| Salaries and employee benefits | $358,000 | 5,571 |
| Premises and equipment expense | $286,000 | 2,362 |
| Additional noninterest expense | $681,000 | 2,059 |
| Pre-tax net operating income | $-723,000 | 8,206 |
| Securities gains (losses) | $7,000 | 2,110 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-716,000 | 8,246 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-716,000 | 8,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-723,000 | 8,234 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,443,000 | 4,578 |
| Total interest expense | $4,179,000 | 3,908 |
| Net interest income | $3,264,000 | 5,263 |
| Provision for loan and lease losses | $4,396,000 | 458 |
| Total noninterest income | $864,000 | 3,845 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $864,000 | 2,442 |
| Total noninterest expense | $5,930,000 | 2,994 |
| Salaries and employee benefits | $1,960,000 | 4,448 |
| Premises and equipment expense | $1,189,000 | 2,183 |
| Additional noninterest expense | $2,781,000 | 1,985 |
| Pre-tax net operating income | $-6,198,000 | 8,452 |
| Securities gains (losses) | $32,000 | 946 |
| Applicable income taxes | $65,000 | 4,781 |
| Income before extraordinary items | $-6,231,000 | 8,466 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,231,000 | 8,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,260,000 | 848 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-6,263,000 | 8,462 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,780,000 | 4,494 |
| Total interest expense | $3,221,000 | 3,842 |
| Net interest income | $2,559,000 | 5,139 |
| Provision for loan and lease losses | $3,646,000 | 327 |
| Total noninterest income | $726,000 | 3,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $726,000 | 2,266 |
| Total noninterest expense | $4,242,000 | 3,084 |
| Salaries and employee benefits | $1,479,000 | 4,416 |
| Premises and equipment expense | $893,000 | 2,161 |
| Additional noninterest expense | $1,870,000 | 2,132 |
| Pre-tax net operating income | $-4,603,000 | 8,517 |
| Securities gains (losses) | $19,000 | 847 |
| Applicable income taxes | $65,000 | 4,773 |
| Income before extraordinary items | $-4,649,000 | 8,527 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-4,649,000 | 8,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,299,000 | 549 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-4,668,000 | 8,520 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,033,000 | 4,372 |
| Total interest expense | $2,224,000 | 3,747 |
| Net interest income | $1,809,000 | 4,977 |
| Provision for loan and lease losses | $3,642,000 | 221 |
| Total noninterest income | $382,000 | 4,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $382,000 | 2,637 |
| Total noninterest expense | $2,792,000 | 3,147 |
| Salaries and employee benefits | $966,000 | 4,523 |
| Premises and equipment expense | $603,000 | 2,151 |
| Additional noninterest expense | $1,223,000 | 2,177 |
| Pre-tax net operating income | $-4,243,000 | 8,592 |
| Securities gains (losses) | $25,000 | 665 |
| Applicable income taxes | $65,000 | 4,536 |
| Income before extraordinary items | $-4,283,000 | 8,592 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,283,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,239,000 | 386 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-4,308,000 | 8,588 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,984,000 | 4,418 |
| Total interest expense | $1,126,000 | 3,695 |
| Net interest income | $858,000 | 5,151 |
| Provision for loan and lease losses | $3,319,000 | 129 |
| Total noninterest income | $190,000 | 4,136 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $190,000 | 2,624 |
| Total noninterest expense | $1,097,000 | 3,841 |
| Salaries and employee benefits | $482,000 | 4,562 |
| Premises and equipment expense | $304,000 | 2,145 |
| Additional noninterest expense | $311,000 | 3,865 |
| Pre-tax net operating income | $-3,368,000 | 8,637 |
| Securities gains (losses) | $22,000 | 547 |
| Applicable income taxes | $162,000 | 2,663 |
| Income before extraordinary items | $-3,508,000 | 8,637 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-3,508,000 | 8,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 563 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-3,530,000 | 8,633 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,691,000 | 4,306 |
| Total interest expense | $3,502,000 | 3,910 |
| Net interest income | $4,189,000 | 4,532 |
| Provision for loan and lease losses | $1,591,000 | 683 |
| Total noninterest income | $841,000 | 3,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $841,000 | 2,498 |
| Total noninterest expense | $4,016,000 | 3,987 |
| Salaries and employee benefits | $1,949,000 | 4,361 |
| Premises and equipment expense | $1,162,000 | 2,125 |
| Additional noninterest expense | $905,000 | 4,838 |
| Pre-tax net operating income | $-577,000 | 8,294 |
| Securities gains (losses) | $-5,000 | 7,083 |
| Applicable income taxes | $-235,000 | 8,481 |
| Income before extraordinary items | $-347,000 | 8,222 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-347,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,490,000 | 489 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-343,800 | 8,214 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,574,000 | 4,382 |
| Total interest expense | $2,445,000 | 4,016 |
| Net interest income | $3,129,000 | 4,580 |
| Provision for loan and lease losses | $816,000 | 930 |
| Total noninterest income | $664,000 | 3,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $664,000 | 2,397 |
| Total noninterest expense | $3,036,000 | 3,947 |
| Salaries and employee benefits | $1,509,000 | 4,213 |
| Premises and equipment expense | $880,000 | 2,127 |
| Additional noninterest expense | $647,000 | 4,979 |
| Pre-tax net operating income | $-59,000 | 8,185 |
| Securities gains (losses) | $-14,000 | 7,714 |
| Applicable income taxes | $-38,000 | 8,487 |
| Income before extraordinary items | $-35,000 | 8,179 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-35,000 | 8,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,323,000 | 370 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-26,040 | 8,161 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,603,000 | 4,423 |
| Total interest expense | $1,552,000 | 4,019 |
| Net interest income | $2,051,000 | 4,646 |
| Provision for loan and lease losses | $726,000 | 698 |
| Total noninterest income | $449,000 | 3,770 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $449,000 | 2,358 |
| Total noninterest expense | $2,097,000 | 3,859 |
| Salaries and employee benefits | $1,055,000 | 4,105 |
| Premises and equipment expense | $614,000 | 2,042 |
| Additional noninterest expense | $428,000 | 4,992 |
| Pre-tax net operating income | $-323,000 | 8,484 |
| Securities gains (losses) | $-22,000 | 8,110 |
| Applicable income taxes | $-136,000 | 8,656 |
| Income before extraordinary items | $-209,000 | 8,433 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-209,000 | 8,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,341,000 | 276 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-194,920 | 8,418 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,774,000 | 4,420 |
| Total interest expense | $742,000 | 4,026 |
| Net interest income | $1,032,000 | 4,621 |
| Provision for loan and lease losses | $533,000 | 453 |
| Total noninterest income | $189,000 | 4,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $189,000 | 2,587 |
| Total noninterest expense | $1,133,000 | 3,639 |
| Salaries and employee benefits | $598,000 | 3,777 |
| Premises and equipment expense | $319,000 | 1,987 |
| Additional noninterest expense | $216,000 | 4,940 |
| Pre-tax net operating income | $-445,000 | 8,681 |
| Securities gains (losses) | $-29,000 | 8,457 |
| Applicable income taxes | $-208,000 | 8,738 |
| Income before extraordinary items | $-266,000 | 8,617 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-266,000 | 8,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $957,000 | 221 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-247,440 | 8,600 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,825,000 | 4,226 |
| Total interest expense | $2,420,000 | 3,910 |
| Net interest income | $4,405,000 | 4,326 |
| Provision for loan and lease losses | $2,076,000 | 529 |
| Total noninterest income | $904,000 | 3,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $904,000 | 2,354 |
| Total noninterest expense | $3,639,000 | 4,161 |
| Salaries and employee benefits | $1,660,000 | 4,740 |
| Premises and equipment expense | $1,115,000 | 2,155 |
| Additional noninterest expense | $864,000 | 4,903 |
| Pre-tax net operating income | $-406,000 | 8,472 |
| Securities gains (losses) | $34,000 | 1,055 |
| Applicable income taxes | $-158,000 | 8,653 |
| Income before extraordinary items | $-214,000 | 8,422 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-214,000 | 8,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $749,000 | 843 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-235,760 | 8,419 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,003,000 | 4,242 |
| Total interest expense | $1,699,000 | 3,950 |
| Net interest income | $3,304,000 | 4,337 |
| Provision for loan and lease losses | $1,311,000 | 589 |
| Total noninterest income | $666,000 | 3,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $666,000 | 2,388 |
| Total noninterest expense | $2,648,000 | 4,220 |
| Salaries and employee benefits | $1,235,000 | 4,738 |
| Premises and equipment expense | $821,000 | 2,178 |
| Additional noninterest expense | $592,000 | 5,165 |
| Pre-tax net operating income | $11,000 | 8,294 |
| Securities gains (losses) | $24,000 | 1,156 |
| Applicable income taxes | $-2,000 | 8,548 |
| Income before extraordinary items | $37,000 | 8,240 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $37,000 | 8,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 872 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $13,000 | 8,285 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,263,000 | 4,234 |
| Total interest expense | $1,034,000 | 4,042 |
| Net interest income | $2,229,000 | 4,264 |
| Provision for loan and lease losses | $986,000 | 522 |
| Total noninterest income | $420,000 | 3,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $420,000 | 2,460 |
| Total noninterest expense | $1,758,000 | 4,224 |
| Salaries and employee benefits | $835,000 | 4,674 |
| Premises and equipment expense | $546,000 | 2,175 |
| Additional noninterest expense | $377,000 | 5,287 |
| Pre-tax net operating income | $-95,000 | 8,478 |
| Securities gains (losses) | $16,000 | 1,180 |
| Applicable income taxes | $-42,000 | 8,705 |
| Income before extraordinary items | $-37,000 | 8,451 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-37,000 | 8,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 641 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-47,240 | 8,430 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,606,000 | 4,267 |
| Total interest expense | $479,000 | 4,140 |
| Net interest income | $1,127,000 | 4,249 |
| Provision for loan and lease losses | $355,000 | 665 |
| Total noninterest income | $195,000 | 4,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $195,000 | 2,514 |
| Total noninterest expense | $861,000 | 4,309 |
| Salaries and employee benefits | $410,000 | 4,749 |
| Premises and equipment expense | $249,000 | 2,366 |
| Additional noninterest expense | $202,000 | 5,032 |
| Pre-tax net operating income | $106,000 | 7,134 |
| Securities gains (losses) | $12,000 | 950 |
| Applicable income taxes | $38,000 | 5,097 |
| Income before extraordinary items | $80,000 | 7,232 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $80,000 | 7,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 484 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $71,840 | 7,374 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,864,000 | 4,331 |
| Total interest expense | $1,663,000 | 4,212 |
| Net interest income | $4,201,000 | 4,326 |
| Provision for loan and lease losses | $295,000 | 2,973 |
| Total noninterest income | $796,000 | 4,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $796,000 | 2,505 |
| Total noninterest expense | $2,987,000 | 4,674 |
| Salaries and employee benefits | $1,404,000 | 5,160 |
| Premises and equipment expense | $870,000 | 2,599 |
| Additional noninterest expense | $713,000 | 5,464 |
| Pre-tax net operating income | $1,715,000 | 3,897 |
| Securities gains (losses) | $126,000 | 1,090 |
| Applicable income taxes | $655,000 | 2,874 |
| Income before extraordinary items | $1,186,000 | 4,231 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,186,000 | 4,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,907 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,105,360 | 4,353 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,326,000 | 4,362 |
| Total interest expense | $1,225,000 | 4,219 |
| Net interest income | $3,101,000 | 4,372 |
| Provision for loan and lease losses | $235,000 | 2,682 |
| Total noninterest income | $572,000 | 4,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $572,000 | 2,583 |
| Total noninterest expense | $2,204,000 | 4,688 |
| Salaries and employee benefits | $1,071,000 | 5,065 |
| Premises and equipment expense | $630,000 | 2,661 |
| Additional noninterest expense | $503,000 | 5,611 |
| Pre-tax net operating income | $1,234,000 | 4,098 |
| Securities gains (losses) | $87,000 | 1,278 |
| Applicable income taxes | $466,000 | 3,027 |
| Income before extraordinary items | $855,000 | 4,425 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $855,000 | 4,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 1,906 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $798,450 | 4,547 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,874,000 | 4,373 |
| Total interest expense | $805,000 | 4,269 |
| Net interest income | $2,069,000 | 4,369 |
| Provision for loan and lease losses | $180,000 | 2,366 |
| Total noninterest income | $362,000 | 4,349 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $362,000 | 2,674 |
| Total noninterest expense | $1,386,000 | 4,920 |
| Salaries and employee benefits | $696,000 | 5,195 |
| Premises and equipment expense | $389,000 | 2,853 |
| Additional noninterest expense | $301,000 | 5,973 |
| Pre-tax net operating income | $865,000 | 3,908 |
| Securities gains (losses) | $60,000 | 1,343 |
| Applicable income taxes | $323,000 | 2,945 |
| Income before extraordinary items | $602,000 | 4,242 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $602,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 1,952 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $563,000 | 4,328 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,400,000 | 4,485 |
| Total interest expense | $398,000 | 4,354 |
| Net interest income | $1,002,000 | 4,473 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $143,000 | 4,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $143,000 | 3,020 |
| Total noninterest expense | $699,000 | 4,929 |
| Salaries and employee benefits | $357,000 | 5,120 |
| Premises and equipment expense | $185,000 | 3,008 |
| Additional noninterest expense | $157,000 | 5,860 |
| Pre-tax net operating income | $356,000 | 4,387 |
| Securities gains (losses) | $41,000 | 1,311 |
| Applicable income taxes | $136,000 | 3,265 |
| Income before extraordinary items | $261,000 | 4,633 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $261,000 | 4,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 1,261 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $233,940 | 4,816 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,542,000 | 4,542 |
| Total interest expense | $1,772,000 | 4,394 |
| Net interest income | $3,770,000 | 4,560 |
| Provision for loan and lease losses | $218,000 | 3,875 |
| Total noninterest income | $800,000 | 4,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $800,000 | 2,740 |
| Total noninterest expense | $2,551,000 | 5,153 |
| Salaries and employee benefits | $1,234,000 | 5,542 |
| Premises and equipment expense | $700,000 | 3,081 |
| Additional noninterest expense | $617,000 | 5,901 |
| Pre-tax net operating income | $1,801,000 | 3,632 |
| Securities gains (losses) | $71,000 | 2,198 |
| Applicable income taxes | $674,000 | 2,865 |
| Income before extraordinary items | $1,198,000 | 4,148 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,198,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,892 |
| Cash dividends | $250,000 | 4,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,152,560 | 4,078 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,153,000 | 4,603 |
| Total interest expense | $1,371,000 | 4,429 |
| Net interest income | $2,782,000 | 4,629 |
| Provision for loan and lease losses | $158,000 | 3,807 |
| Total noninterest income | $625,000 | 4,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $625,000 | 2,765 |
| Total noninterest expense | $1,891,000 | 5,168 |
| Salaries and employee benefits | $919,000 | 5,528 |
| Premises and equipment expense | $522,000 | 3,106 |
| Additional noninterest expense | $450,000 | 5,983 |
| Pre-tax net operating income | $1,358,000 | 3,745 |
| Securities gains (losses) | $35,000 | 2,583 |
| Applicable income taxes | $506,000 | 3,003 |
| Income before extraordinary items | $887,000 | 4,333 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $887,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,393 |
| Cash dividends | $250,000 | 3,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $864,600 | 4,232 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 4,639 |
| Total interest expense | $948,000 | 4,425 |
| Net interest income | $1,825,000 | 4,670 |
| Provision for loan and lease losses | $98,000 | 3,921 |
| Total noninterest income | $369,000 | 4,438 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $369,000 | 2,925 |
| Total noninterest expense | $1,258,000 | 5,182 |
| Salaries and employee benefits | $619,000 | 5,511 |
| Premises and equipment expense | $347,000 | 3,096 |
| Additional noninterest expense | $292,000 | 6,071 |
| Pre-tax net operating income | $838,000 | 3,938 |
| Securities gains (losses) | $59,000 | 1,903 |
| Applicable income taxes | $325,000 | 3,086 |
| Income before extraordinary items | $572,000 | 4,433 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $572,000 | 4,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,049 |
| Cash dividends | $250,000 | 3,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $534,240 | 4,401 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,388,000 | 4,657 |
| Total interest expense | $481,000 | 4,462 |
| Net interest income | $907,000 | 4,684 |
| Provision for loan and lease losses | $38,000 | 4,186 |
| Total noninterest income | $172,000 | 4,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $172,000 | 2,971 |
| Total noninterest expense | $624,000 | 5,209 |
| Salaries and employee benefits | $304,000 | 5,581 |
| Premises and equipment expense | $167,000 | 3,194 |
| Additional noninterest expense | $153,000 | 5,860 |
| Pre-tax net operating income | $417,000 | 3,939 |
| Securities gains (losses) | $41,000 | 1,496 |
| Applicable income taxes | $169,000 | 3,000 |
| Income before extraordinary items | $289,000 | 4,349 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $289,000 | 4,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 1,766 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $262,760 | 4,392 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,747,000 | 4,692 |
| Total interest expense | $2,220,000 | 4,489 |
| Net interest income | $3,527,000 | 4,731 |
| Provision for loan and lease losses | $384,000 | 2,933 |
| Total noninterest income | $677,000 | 4,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $677,000 | 2,757 |
| Total noninterest expense | $2,175,000 | 5,575 |
| Salaries and employee benefits | $1,105,000 | 5,793 |
| Premises and equipment expense | $562,000 | 3,605 |
| Additional noninterest expense | $508,000 | 6,461 |
| Pre-tax net operating income | $1,645,000 | 3,869 |
| Securities gains (losses) | $63,000 | 2,193 |
| Applicable income taxes | $619,000 | 3,068 |
| Income before extraordinary items | $1,089,000 | 4,353 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,089,000 | 4,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 3,024 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,048,680 | 4,352 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,365,000 | 4,747 |
| Total interest expense | $3,575,000 | 4,140 |
| Net interest income | $2,790,000 | 5,328 |
| Provision for loan and lease losses | $198,000 | 4,171 |
| Total noninterest income | $601,000 | 4,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $601,000 | 2,827 |
| Total noninterest expense | $1,941,000 | 5,853 |
| Salaries and employee benefits | $916,000 | 6,299 |
| Premises and equipment expense | $482,000 | 4,013 |
| Additional noninterest expense | $543,000 | 6,194 |
| Pre-tax net operating income | $1,252,000 | 4,335 |
| Securities gains (losses) | $99,000 | 1,747 |
| Applicable income taxes | $478,000 | 3,395 |
| Income before extraordinary items | $873,000 | 4,647 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $873,000 | 4,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,371 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $808,650 | 4,734 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,145,000 | 4,991 |
| Total interest expense | $3,675,000 | 4,243 |
| Net interest income | $2,470,000 | 5,859 |
| Provision for loan and lease losses | $213,000 | 3,605 |
| Total noninterest income | $554,000 | 4,622 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $554,000 | 2,773 |
| Total noninterest expense | $1,970,000 | 5,734 |
| Salaries and employee benefits | $965,000 | 6,065 |
| Premises and equipment expense | $495,000 | 3,823 |
| Additional noninterest expense | $510,000 | 6,353 |
| Pre-tax net operating income | $841,000 | 5,735 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $320,000 | 4,456 |
| Income before extraordinary items | $522,000 | 6,204 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $522,000 | 6,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,113 |
| Cash dividends | $650,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $521,360 | 6,218 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,874,000 | 5,018 |
| Total interest expense | $3,486,000 | 4,061 |
| Net interest income | $2,388,000 | 5,969 |
| Provision for loan and lease losses | $138,000 | 4,462 |
| Total noninterest income | $507,000 | 4,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $507,000 | 2,936 |
| Total noninterest expense | $1,966,000 | 5,753 |
| Salaries and employee benefits | $943,000 | 6,124 |
| Premises and equipment expense | $511,000 | 3,695 |
| Additional noninterest expense | $512,000 | 6,428 |
| Pre-tax net operating income | $791,000 | 5,965 |
| Securities gains (losses) | $-770,000 | 10,132 |
| Applicable income taxes | $9,000 | 8,512 |
| Income before extraordinary items | $12,000 | 9,403 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,000 | 9,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,508 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $504,800 | 6,385 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,475,000 | 4,690 |
| Total interest expense | $3,932,000 | 3,751 |
| Net interest income | $2,543,000 | 5,786 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $473,000 | 5,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $473,000 | 3,081 |
| Total noninterest expense | $1,730,000 | 6,162 |
| Salaries and employee benefits | $891,000 | 6,250 |
| Premises and equipment expense | $424,000 | 4,224 |
| Additional noninterest expense | $415,000 | 7,098 |
| Pre-tax net operating income | $1,190,000 | 4,909 |
| Securities gains (losses) | $-1,299,000 | 10,451 |
| Applicable income taxes | $-35,000 | 10,099 |
| Income before extraordinary items | $-74,000 | 9,934 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-74,000 | 9,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $610,000 | 3,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $809,320 | 5,072 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,139,000 | 4,976 |
| Total interest expense | $3,753,000 | 3,910 |
| Net interest income | $2,386,000 | 6,238 |
| Provision for loan and lease losses | $181,000 | 3,643 |
| Total noninterest income | $446,000 | 5,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $446,000 | 3,062 |
| Total noninterest expense | $1,785,000 | 6,102 |
| Salaries and employee benefits | $943,000 | 6,095 |
| Premises and equipment expense | $488,000 | 3,787 |
| Additional noninterest expense | $354,000 | 7,767 |
| Pre-tax net operating income | $866,000 | 6,266 |
| Securities gains (losses) | $97,000 | 993 |
| Applicable income taxes | $361,000 | 5,202 |
| Income before extraordinary items | $602,000 | 6,361 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $602,000 | 6,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,828 |
| Cash dividends | $204,000 | 5,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $539,920 | 6,682 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,410,000 | 5,599 |
| Total interest expense | $3,247,000 | 4,462 |
| Net interest income | $2,163,000 | 6,832 |
| Provision for loan and lease losses | $394,000 | 2,124 |
| Total noninterest income | $359,000 | 6,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $359,000 | 3,633 |
| Total noninterest expense | $2,078,000 | 5,772 |
| Salaries and employee benefits | $838,000 | 6,783 |
| Premises and equipment expense | $512,000 | 3,707 |
| Additional noninterest expense | $728,000 | 5,581 |
| Pre-tax net operating income | $50,000 | 10,600 |
| Securities gains (losses) | $72,000 | 1,121 |
| Applicable income taxes | $47,000 | 9,744 |
| Income before extraordinary items | $75,000 | 10,420 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $75,000 | 10,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 1,717 |
| Cash dividends | $750,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $28,920 | 10,635 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,032,000 | 5,955 |
| Total interest expense | $2,965,000 | 4,811 |
| Net interest income | $2,067,000 | 7,155 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $318,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $318,000 | 3,870 |
| Total noninterest expense | $1,725,000 | 6,665 |
| Salaries and employee benefits | $854,000 | 6,798 |
| Premises and equipment expense | $536,000 | 3,538 |
| Additional noninterest expense | $335,000 | 8,857 |
| Pre-tax net operating income | $646,000 | 7,610 |
| Securities gains (losses) | $13,000 | 2,193 |
| Applicable income taxes | $248,000 | 6,675 |
| Income before extraordinary items | $411,000 | 7,957 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $411,000 | 7,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,953 |
| Cash dividends | $737,000 | 2,572 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $402,680 | 8,012 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,230,000 | 6,443 |
| Total interest expense | $2,162,000 | 5,251 |
| Net interest income | $2,068,000 | 7,408 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $299,000 | 7,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $299,000 | 4,104 |
| Total noninterest expense | $1,613,000 | 7,258 |
| Salaries and employee benefits | $796,000 | 7,233 |
| Premises and equipment expense | $515,000 | 3,701 |
| Additional noninterest expense | $302,000 | 9,939 |
| Pre-tax net operating income | $754,000 | 7,108 |
| Securities gains (losses) | $-20,000 | 10,331 |
| Applicable income taxes | $274,000 | 6,207 |
| Income before extraordinary items | $460,000 | 7,614 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $460,000 | 7,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,935 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,909,000 | 312 |
| Net operating income | $472,800 | 7,560 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,170,000 | 6,671 |
| Total interest expense | $2,229,000 | 5,316 |
| Net interest income | $1,941,000 | 7,857 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $271,000 | 8,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $271,000 | 4,756 |
| Total noninterest expense | $1,472,000 | 7,923 |
| Salaries and employee benefits | $710,000 | 7,938 |
| Premises and equipment expense | $464,000 | 4,134 |
| Additional noninterest expense | $298,000 | 10,480 |
| Pre-tax net operating income | $740,000 | 7,145 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $273,000 | 6,440 |
| Income before extraordinary items | $470,000 | 7,796 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $470,000 | 7,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $468,080 | 7,550 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,471,000 | 6,934 |
| Total interest expense | $2,702,000 | 5,639 |
| Net interest income | $1,769,000 | 8,442 |
| Provision for loan and lease losses | $-5,000 | 13,445 |
| Total noninterest income | $230,000 | 8,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $230,000 | 5,242 |
| Total noninterest expense | $1,090,000 | 9,565 |
| Salaries and employee benefits | $540,000 | 9,368 |
| Premises and equipment expense | $272,000 | 6,405 |
| Additional noninterest expense | $278,000 | 11,152 |
| Pre-tax net operating income | $914,000 | 6,018 |
| Securities gains (losses) | $54,000 | 3,989 |
| Applicable income taxes | $394,000 | 4,856 |
| Income before extraordinary items | $574,000 | 6,747 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $574,000 | 6,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $539,440 | 6,640 |
* 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.