Home > Independent Bank East Michigan > Income and Expense
Independent Bank East Michigan, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,393,000 | 904 |
| Total interest expense | $10,054,000 | 995 |
| Net interest income | $13,339,000 | 839 |
| Provision for loan and lease losses | $6,824,000 | 143 |
| Total noninterest income | $3,161,000 | 932 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,575,000 | 553 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,586,000 | 1,008 |
| Total noninterest expense | $12,226,000 | 767 |
| Salaries and employee benefits | $4,813,000 | 1,060 |
| Premises and equipment expense | $1,849,000 | 743 |
| Additional noninterest expense | $5,564,000 | 527 |
| Pre-tax net operating income | $-2,550,000 | 8,573 |
| Securities gains (losses) | $79,000 | 457 |
| Applicable income taxes | $-1,266,000 | 8,586 |
| Income before extraordinary items | $-1,205,000 | 8,514 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,205,000 | 8,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,030,000 | 139 |
| Cash dividends | $2,000,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-1,255,560 | 8,511 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,724,000 | 896 |
| Total interest expense | $4,968,000 | 988 |
| Net interest income | $6,756,000 | 829 |
| Provision for loan and lease losses | $2,686,000 | 147 |
| Total noninterest income | $1,523,000 | 937 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $756,000 | 553 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $767,000 | 1,017 |
| Total noninterest expense | $5,847,000 | 802 |
| Salaries and employee benefits | $2,402,000 | 1,071 |
| Premises and equipment expense | $963,000 | 702 |
| Additional noninterest expense | $2,482,000 | 575 |
| Pre-tax net operating income | $-254,000 | 8,359 |
| Securities gains (losses) | $79,000 | 345 |
| Applicable income taxes | $-284,000 | 8,588 |
| Income before extraordinary items | $109,000 | 6,258 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $109,000 | 6,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,263,000 | 204 |
| Cash dividends | $2,000,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $58,440 | 7,035 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $47,577,000 | 803 |
| Total interest expense | $18,687,000 | 894 |
| Net interest income | $28,890,000 | 766 |
| Provision for loan and lease losses | $6,009,000 | 208 |
| Total noninterest income | $5,944,000 | 951 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,072,000 | 556 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,872,000 | 1,033 |
| Total noninterest expense | $21,862,000 | 810 |
| Salaries and employee benefits | $8,820,000 | 1,097 |
| Premises and equipment expense | $3,528,000 | 726 |
| Additional noninterest expense | $9,514,000 | 588 |
| Pre-tax net operating income | $6,963,000 | 1,416 |
| Securities gains (losses) | $171,000 | 420 |
| Applicable income taxes | $1,540,000 | 1,623 |
| Income before extraordinary items | $5,594,000 | 1,297 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,594,000 | 1,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,736,000 | 240 |
| Cash dividends | $8,300,000 | 455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,460,620 | 1,325 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $35,541,000 | 811 |
| Total interest expense | $13,497,000 | 904 |
| Net interest income | $22,044,000 | 770 |
| Provision for loan and lease losses | $4,028,000 | 223 |
| Total noninterest income | $4,435,000 | 965 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,276,000 | 569 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,159,000 | 1,037 |
| Total noninterest expense | $16,651,000 | 804 |
| Salaries and employee benefits | $6,605,000 | 1,112 |
| Premises and equipment expense | $2,648,000 | 740 |
| Additional noninterest expense | $7,398,000 | 575 |
| Pre-tax net operating income | $5,800,000 | 1,310 |
| Securities gains (losses) | $171,000 | 352 |
| Applicable income taxes | $1,367,000 | 1,493 |
| Income before extraordinary items | $4,604,000 | 1,231 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,604,000 | 1,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,140,000 | 197 |
| Cash dividends | $6,300,000 | 421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,472,330 | 1,252 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $23,515,000 | 794 |
| Total interest expense | $8,521,000 | 906 |
| Net interest income | $14,994,000 | 750 |
| Provision for loan and lease losses | $1,273,000 | 403 |
| Total noninterest income | $2,928,000 | 964 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,477,000 | 577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,451,000 | 1,034 |
| Total noninterest expense | $11,477,000 | 783 |
| Salaries and employee benefits | $4,732,000 | 1,041 |
| Premises and equipment expense | $1,800,000 | 732 |
| Additional noninterest expense | $4,945,000 | 577 |
| Pre-tax net operating income | $5,172,000 | 989 |
| Securities gains (losses) | $171,000 | 285 |
| Applicable income taxes | $1,347,000 | 1,093 |
| Income before extraordinary items | $3,996,000 | 965 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,996,000 | 966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $833,000 | 388 |
| Cash dividends | $2,800,000 | 614 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,867,750 | 986 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,325,000 | 804 |
| Total interest expense | $3,988,000 | 918 |
| Net interest income | $7,337,000 | 768 |
| Provision for loan and lease losses | $235,000 | 992 |
| Total noninterest income | $1,385,000 | 998 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $651,000 | 635 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $734,000 | 1,010 |
| Total noninterest expense | $5,969,000 | 749 |
| Salaries and employee benefits | $2,518,000 | 975 |
| Premises and equipment expense | $949,000 | 693 |
| Additional noninterest expense | $2,502,000 | 555 |
| Pre-tax net operating income | $2,518,000 | 995 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $621,000 | 1,160 |
| Income before extraordinary items | $1,897,000 | 1,005 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,897,000 | 1,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 684 |
| Cash dividends | $1,500,000 | 510 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,897,000 | 986 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $40,937,000 | 786 |
| Total interest expense | $11,444,000 | 975 |
| Net interest income | $29,493,000 | 716 |
| Provision for loan and lease losses | $1,255,000 | 840 |
| Total noninterest income | $5,697,000 | 983 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,789,000 | 609 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,908,000 | 1,037 |
| Total noninterest expense | $22,518,000 | 764 |
| Salaries and employee benefits | $9,134,000 | 1,008 |
| Premises and equipment expense | $3,369,000 | 726 |
| Additional noninterest expense | $10,015,000 | 559 |
| Pre-tax net operating income | $11,417,000 | 862 |
| Securities gains (losses) | $-120,000 | 8,478 |
| Applicable income taxes | $2,791,000 | 1,019 |
| Income before extraordinary items | $8,506,000 | 850 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,506,000 | 852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,032,000 | 390 |
| Cash dividends | $5,250,000 | 628 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,596,000 | 828 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,727,000 | 788 |
| Total interest expense | $7,909,000 | 995 |
| Net interest income | $21,818,000 | 709 |
| Provision for loan and lease losses | $852,000 | 885 |
| Total noninterest income | $4,302,000 | 983 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,086,000 | 605 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,216,000 | 1,041 |
| Total noninterest expense | $16,780,000 | 753 |
| Salaries and employee benefits | $6,920,000 | 989 |
| Premises and equipment expense | $2,482,000 | 729 |
| Additional noninterest expense | $7,378,000 | 564 |
| Pre-tax net operating income | $8,488,000 | 870 |
| Securities gains (losses) | $-120,000 | 8,657 |
| Applicable income taxes | $2,105,000 | 1,017 |
| Income before extraordinary items | $6,263,000 | 857 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,263,000 | 858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $751,000 | 612 |
| Cash dividends | $5,000,000 | 473 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,353,000 | 831 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,347,000 | 793 |
| Total interest expense | $4,867,000 | 1,019 |
| Net interest income | $14,480,000 | 708 |
| Provision for loan and lease losses | $641,000 | 779 |
| Total noninterest income | $2,808,000 | 981 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,340,000 | 620 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,468,000 | 1,025 |
| Total noninterest expense | $11,050,000 | 754 |
| Salaries and employee benefits | $4,576,000 | 984 |
| Premises and equipment expense | $1,690,000 | 708 |
| Additional noninterest expense | $4,784,000 | 573 |
| Pre-tax net operating income | $5,597,000 | 859 |
| Securities gains (losses) | $-120,000 | 8,726 |
| Applicable income taxes | $1,369,000 | 1,029 |
| Income before extraordinary items | $4,108,000 | 847 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,108,000 | 847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $428,000 | 678 |
| Cash dividends | $4,000,000 | 396 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,198,000 | 818 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,416,000 | 799 |
| Total interest expense | $2,269,000 | 1,035 |
| Net interest income | $7,147,000 | 708 |
| Provision for loan and lease losses | $363,000 | 652 |
| Total noninterest income | $1,411,000 | 950 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $598,000 | 681 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $813,000 | 940 |
| Total noninterest expense | $5,547,000 | 755 |
| Salaries and employee benefits | $2,232,000 | 1,000 |
| Premises and equipment expense | $875,000 | 687 |
| Additional noninterest expense | $2,440,000 | 560 |
| Pre-tax net operating income | $2,648,000 | 890 |
| Securities gains (losses) | $-20,000 | 8,663 |
| Applicable income taxes | $648,000 | 1,070 |
| Income before extraordinary items | $1,980,000 | 877 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,980,000 | 878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 738 |
| Cash dividends | $1,500,000 | 463 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,995,000 | 855 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $29,244,000 | 967 |
| Total interest expense | $6,378,000 | 1,290 |
| Net interest income | $22,866,000 | 861 |
| Provision for loan and lease losses | $457,000 | 2,120 |
| Total noninterest income | $4,982,000 | 1,077 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,288,000 | 763 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,694,000 | 1,059 |
| Total noninterest expense | $18,656,000 | 871 |
| Salaries and employee benefits | $7,476,000 | 1,159 |
| Premises and equipment expense | $2,622,000 | 851 |
| Additional noninterest expense | $8,558,000 | 625 |
| Pre-tax net operating income | $8,735,000 | 993 |
| Securities gains (losses) | $780,000 | 333 |
| Applicable income taxes | $2,283,000 | 1,128 |
| Income before extraordinary items | $7,232,000 | 909 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,232,000 | 910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,836 |
| Cash dividends | $4,000,000 | 755 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,639,200 | 964 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,940,000 | 1,047 |
| Total interest expense | $4,395,000 | 1,372 |
| Net interest income | $15,545,000 | 948 |
| Provision for loan and lease losses | $1,117,000 | 707 |
| Total noninterest income | $3,596,000 | 1,127 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,653,000 | 801 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,943,000 | 1,110 |
| Total noninterest expense | $13,368,000 | 912 |
| Salaries and employee benefits | $5,344,000 | 1,221 |
| Premises and equipment expense | $1,804,000 | 942 |
| Additional noninterest expense | $6,220,000 | 637 |
| Pre-tax net operating income | $4,656,000 | 1,399 |
| Securities gains (losses) | $710,000 | 333 |
| Applicable income taxes | $1,128,000 | 1,614 |
| Income before extraordinary items | $4,238,000 | 1,169 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,238,000 | 1,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 1,583 |
| Cash dividends | $3,000,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,677,100 | 1,292 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,016,000 | 1,251 |
| Total interest expense | $2,586,000 | 1,537 |
| Net interest income | $8,430,000 | 1,178 |
| Provision for loan and lease losses | $200,000 | 2,196 |
| Total noninterest income | $2,294,000 | 1,156 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $981,000 | 874 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,313,000 | 1,100 |
| Total noninterest expense | $7,648,000 | 1,047 |
| Salaries and employee benefits | $3,146,000 | 1,396 |
| Premises and equipment expense | $1,010,000 | 1,141 |
| Additional noninterest expense | $3,492,000 | 726 |
| Pre-tax net operating income | $2,876,000 | 1,479 |
| Securities gains (losses) | $167,000 | 726 |
| Applicable income taxes | $582,000 | 1,977 |
| Income before extraordinary items | $2,461,000 | 1,318 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,461,000 | 1,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 1,565 |
| Cash dividends | $750,000 | 1,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,325,730 | 1,341 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,892,000 | 1,450 |
| Total interest expense | $1,215,000 | 1,657 |
| Net interest income | $3,677,000 | 1,349 |
| Provision for loan and lease losses | $40,000 | 3,725 |
| Total noninterest income | $883,000 | 1,383 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $421,000 | 1,018 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $462,000 | 1,373 |
| Total noninterest expense | $3,236,000 | 1,260 |
| Salaries and employee benefits | $1,338,000 | 1,663 |
| Premises and equipment expense | $441,000 | 1,317 |
| Additional noninterest expense | $1,457,000 | 845 |
| Pre-tax net operating income | $1,284,000 | 1,622 |
| Securities gains (losses) | $165,000 | 585 |
| Applicable income taxes | $270,000 | 2,083 |
| Income before extraordinary items | $1,179,000 | 1,361 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,179,000 | 1,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,251 |
| Cash dividends | $750,000 | 847 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,045,350 | 1,447 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,188,000 | 1,418 |
| Total interest expense | $5,734,000 | 1,557 |
| Net interest income | $14,454,000 | 1,353 |
| Provision for loan and lease losses | $630,000 | 1,774 |
| Total noninterest income | $4,909,000 | 1,151 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,777,000 | 971 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,132,000 | 1,055 |
| Total noninterest expense | $12,577,000 | 1,288 |
| Salaries and employee benefits | $4,705,000 | 1,828 |
| Premises and equipment expense | $1,637,000 | 1,393 |
| Additional noninterest expense | $6,235,000 | 828 |
| Pre-tax net operating income | $6,156,000 | 1,342 |
| Securities gains (losses) | $40,000 | 2,704 |
| Applicable income taxes | $1,120,000 | 2,028 |
| Income before extraordinary items | $5,076,000 | 1,265 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,076,000 | 1,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $632,000 | 1,330 |
| Cash dividends | $5,325,000 | 591 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,043,200 | 1,199 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,084,000 | 1,448 |
| Total interest expense | $4,408,000 | 1,583 |
| Net interest income | $10,676,000 | 1,385 |
| Provision for loan and lease losses | $514,000 | 1,625 |
| Total noninterest income | $3,818,000 | 1,135 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,314,000 | 1,000 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,504,000 | 1,052 |
| Total noninterest expense | $9,296,000 | 1,317 |
| Salaries and employee benefits | $3,455,000 | 1,874 |
| Premises and equipment expense | $1,179,000 | 1,460 |
| Additional noninterest expense | $4,662,000 | 836 |
| Pre-tax net operating income | $4,684,000 | 1,382 |
| Securities gains (losses) | $33,000 | 2,620 |
| Applicable income taxes | $832,000 | 2,145 |
| Income before extraordinary items | $3,885,000 | 1,264 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,885,000 | 1,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 1,652 |
| Cash dividends | $3,450,000 | 653 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,857,940 | 1,204 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,049,000 | 1,462 |
| Total interest expense | $2,964,000 | 1,634 |
| Net interest income | $7,085,000 | 1,382 |
| Provision for loan and lease losses | $650,000 | 922 |
| Total noninterest income | $2,360,000 | 1,205 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $848,000 | 1,014 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,512,000 | 1,133 |
| Total noninterest expense | $6,143,000 | 1,326 |
| Salaries and employee benefits | $2,247,000 | 1,898 |
| Premises and equipment expense | $785,000 | 1,458 |
| Additional noninterest expense | $3,111,000 | 840 |
| Pre-tax net operating income | $2,652,000 | 1,583 |
| Securities gains (losses) | $169,000 | 1,149 |
| Applicable income taxes | $428,000 | 2,566 |
| Income before extraordinary items | $2,393,000 | 1,380 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,393,000 | 1,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 1,653 |
| Cash dividends | $2,650,000 | 585 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,249,350 | 1,370 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,044,000 | 1,470 |
| Total interest expense | $1,475,000 | 1,695 |
| Net interest income | $3,569,000 | 1,372 |
| Provision for loan and lease losses | $250,000 | 1,115 |
| Total noninterest income | $988,000 | 1,348 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $394,000 | 1,053 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $594,000 | 1,314 |
| Total noninterest expense | $3,082,000 | 1,311 |
| Salaries and employee benefits | $1,100,000 | 1,936 |
| Premises and equipment expense | $385,000 | 1,503 |
| Additional noninterest expense | $1,597,000 | 786 |
| Pre-tax net operating income | $1,225,000 | 1,713 |
| Securities gains (losses) | $122,000 | 892 |
| Applicable income taxes | $219,000 | 2,554 |
| Income before extraordinary items | $1,128,000 | 1,448 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,128,000 | 1,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 1,281 |
| Cash dividends | $950,000 | 733 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,025,520 | 1,468 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,275,000 | 1,447 |
| Total interest expense | $7,358,000 | 1,537 |
| Net interest income | $13,917,000 | 1,397 |
| Provision for loan and lease losses | $625,000 | 1,990 |
| Total noninterest income | $3,250,000 | 1,478 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,513,000 | 1,064 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,737,000 | 1,467 |
| Total noninterest expense | $10,875,000 | 1,414 |
| Salaries and employee benefits | $4,178,000 | 1,931 |
| Premises and equipment expense | $1,343,000 | 1,637 |
| Additional noninterest expense | $5,354,000 | 928 |
| Pre-tax net operating income | $5,667,000 | 1,464 |
| Securities gains (losses) | $-52,000 | 9,075 |
| Applicable income taxes | $1,076,000 | 2,099 |
| Income before extraordinary items | $4,539,000 | 1,370 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,539,000 | 1,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,040,000 | 938 |
| Cash dividends | $4,300,000 | 701 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,581,120 | 1,312 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,636,000 | 1,445 |
| Total interest expense | $9,449,000 | 1,719 |
| Net interest income | $14,187,000 | 1,250 |
| Provision for loan and lease losses | $830,000 | 1,461 |
| Total noninterest income | $2,527,000 | 1,677 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,215,000 | 1,229 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,312,000 | 1,697 |
| Total noninterest expense | $10,339,000 | 1,416 |
| Salaries and employee benefits | $3,959,000 | 1,892 |
| Premises and equipment expense | $1,363,000 | 1,577 |
| Additional noninterest expense | $5,017,000 | 975 |
| Pre-tax net operating income | $5,545,000 | 1,329 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $1,248,000 | 1,757 |
| Income before extraordinary items | $4,313,000 | 1,257 |
| Extraordinary gains, net | $43,000 | 81 |
| Net income | $4,356,000 | 1,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 2,050 |
| Cash dividends | $3,525,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,300,520 | 1,212 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,582,000 | 1,470 |
| Total interest expense | $10,079,000 | 1,708 |
| Net interest income | $13,503,000 | 1,301 |
| Provision for loan and lease losses | $480,000 | 1,938 |
| Total noninterest income | $1,813,000 | 2,022 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $903,000 | 1,517 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $910,000 | 1,975 |
| Total noninterest expense | $9,800,000 | 1,418 |
| Salaries and employee benefits | $3,780,000 | 1,904 |
| Premises and equipment expense | $1,408,000 | 1,477 |
| Additional noninterest expense | $4,612,000 | 1,020 |
| Pre-tax net operating income | $5,036,000 | 1,467 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,106,000 | 1,956 |
| Income before extraordinary items | $3,930,000 | 1,341 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,930,000 | 1,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 1,950 |
| Cash dividends | $4,250,000 | 718 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,930,000 | 1,329 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,493,000 | 1,591 |
| Total interest expense | $7,984,000 | 1,873 |
| Net interest income | $12,509,000 | 1,393 |
| Provision for loan and lease losses | $615,000 | 1,470 |
| Total noninterest income | $1,553,000 | 2,242 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $839,000 | 1,570 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $714,000 | 2,342 |
| Total noninterest expense | $9,457,000 | 1,461 |
| Salaries and employee benefits | $3,458,000 | 2,026 |
| Premises and equipment expense | $1,303,000 | 1,569 |
| Additional noninterest expense | $4,696,000 | 1,006 |
| Pre-tax net operating income | $3,990,000 | 1,842 |
| Securities gains (losses) | $-46,000 | 9,773 |
| Applicable income taxes | $904,000 | 2,380 |
| Income before extraordinary items | $3,040,000 | 1,745 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,040,000 | 1,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 1,942 |
| Cash dividends | $950,000 | 2,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,075,420 | 1,706 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,097,000 | 1,700 |
| Total interest expense | $7,669,000 | 1,994 |
| Net interest income | $11,428,000 | 1,477 |
| Provision for loan and lease losses | $713,000 | 1,292 |
| Total noninterest income | $1,311,000 | 2,511 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $801,000 | 1,582 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $510,000 | 2,948 |
| Total noninterest expense | $8,941,000 | 1,479 |
| Salaries and employee benefits | $3,348,000 | 2,009 |
| Premises and equipment expense | $1,239,000 | 1,580 |
| Additional noninterest expense | $4,354,000 | 1,055 |
| Pre-tax net operating income | $3,085,000 | 2,311 |
| Securities gains (losses) | $191,000 | 946 |
| Applicable income taxes | $879,000 | 2,537 |
| Income before extraordinary items | $2,397,000 | 2,185 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,397,000 | 2,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 1,270 |
| Cash dividends | $3,125,000 | 944 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,257,570 | 2,216 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,146,000 | 1,822 |
| Total interest expense | $7,852,000 | 1,963 |
| Net interest income | $10,294,000 | 1,698 |
| Provision for loan and lease losses | $405,000 | 2,074 |
| Total noninterest income | $1,115,000 | 2,794 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $698,000 | 1,867 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $417,000 | 3,202 |
| Total noninterest expense | $8,162,000 | 1,617 |
| Salaries and employee benefits | $3,118,000 | 2,114 |
| Premises and equipment expense | $1,183,000 | 1,658 |
| Additional noninterest expense | $3,861,000 | 1,144 |
| Pre-tax net operating income | $2,842,000 | 2,610 |
| Securities gains (losses) | $65,000 | 1,192 |
| Applicable income taxes | $805,000 | 2,911 |
| Income before extraordinary items | $2,102,000 | 2,476 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,102,000 | 2,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,222 |
| Cash dividends | $425,000 | 3,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,055,200 | 2,473 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,041,000 | 3,598 |
| Total interest expense | $3,596,000 | 4,090 |
| Net interest income | $5,445,000 | 3,248 |
| Provision for loan and lease losses | $110,000 | 4,862 |
| Total noninterest income | $633,000 | 4,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,206 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $213,000 | 5,002 |
| Total noninterest expense | $4,455,000 | 3,041 |
| Salaries and employee benefits | $1,928,000 | 3,448 |
| Premises and equipment expense | $700,000 | 2,796 |
| Additional noninterest expense | $1,827,000 | 2,659 |
| Pre-tax net operating income | $1,513,000 | 4,307 |
| Securities gains (losses) | $-51,000 | 11,041 |
| Applicable income taxes | $443,000 | 4,553 |
| Income before extraordinary items | $1,019,000 | 4,419 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,019,000 | 4,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,862 |
| Cash dividends | $750,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,054,700 | 4,237 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,553,000 | 4,233 |
| Total interest expense | $2,782,000 | 5,081 |
| Net interest income | $4,771,000 | 3,690 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $490,000 | 5,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $334,000 | 3,924 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,872 |
| Total noninterest expense | $3,991,000 | 3,328 |
| Salaries and employee benefits | $1,664,000 | 3,901 |
| Premises and equipment expense | $624,000 | 3,106 |
| Additional noninterest expense | $1,703,000 | 2,748 |
| Pre-tax net operating income | $1,234,000 | 5,157 |
| Securities gains (losses) | $-46,000 | 11,123 |
| Applicable income taxes | $381,000 | 5,120 |
| Income before extraordinary items | $807,000 | 5,417 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $807,000 | 5,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,073 |
| Cash dividends | $2,000,000 | 1,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $838,280 | 5,249 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,852,000 | 4,308 |
| Total interest expense | $2,268,000 | 5,043 |
| Net interest income | $4,584,000 | 3,859 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $503,000 | 5,272 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $357,000 | 3,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,278 |
| Total noninterest expense | $4,272,000 | 3,214 |
| Salaries and employee benefits | $1,752,000 | 3,722 |
| Premises and equipment expense | $605,000 | 3,247 |
| Additional noninterest expense | $1,915,000 | 2,667 |
| Pre-tax net operating income | $779,000 | 6,977 |
| Securities gains (losses) | $-14,000 | 10,078 |
| Applicable income taxes | $244,000 | 6,632 |
| Income before extraordinary items | $521,000 | 7,144 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $521,000 | 7,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,190 |
| Cash dividends | $750,000 | 2,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $530,520 | 7,117 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,220,000 | 9,742 |
| Total interest expense | $990,000 | 9,161 |
| Net interest income | $1,230,000 | 9,969 |
| Provision for loan and lease losses | $13,000 | 9,510 |
| Total noninterest income | $200,000 | 9,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 9,213 |
| Total noninterest expense | $1,427,000 | 8,084 |
| Salaries and employee benefits | $700,000 | 7,999 |
| Premises and equipment expense | $233,000 | 7,032 |
| Additional noninterest expense | $494,000 | 8,274 |
| Pre-tax net operating income | $-10,000 | 12,467 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $55,000 | 10,820 |
| Income before extraordinary items | $-65,000 | 12,629 |
| Extraordinary gains, net | $77,000 | 1,821 |
| Net income | $12,000 | 12,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $269,000 | 726 |
| Net operating income | $-65,000 | 12,524 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,668,000 | 9,592 |
| Total interest expense | $1,348,000 | 9,038 |
| Net interest income | $1,320,000 | 9,905 |
| Provision for loan and lease losses | $64,000 | 8,436 |
| Total noninterest income | $169,000 | 10,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 8,107 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 10,088 |
| Total noninterest expense | $1,356,000 | 8,461 |
| Salaries and employee benefits | $734,000 | 7,742 |
| Premises and equipment expense | $227,000 | 7,234 |
| Additional noninterest expense | $395,000 | 9,613 |
| Pre-tax net operating income | $69,000 | 12,279 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $11,000 | 12,338 |
| Income before extraordinary items | $58,000 | 12,480 |
| Extraordinary gains, net | $11,000 | 1,325 |
| Net income | $69,000 | 12,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 8,076 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $58,000 | 12,204 |
* 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.