Home > Independent Bank - South Michigan > Income and Expense
Independent Bank - South Michigan, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,615,000 | 1,282 |
| Total interest expense | $7,899,000 | 1,268 |
| Net interest income | $8,716,000 | 1,311 |
| Provision for loan and lease losses | $5,581,000 | 158 |
| Total noninterest income | $4,365,000 | 705 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,454,000 | 365 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,911,000 | 888 |
| Total noninterest expense | $9,380,000 | 1,006 |
| Salaries and employee benefits | $3,861,000 | 1,318 |
| Premises and equipment expense | $1,217,000 | 1,101 |
| Additional noninterest expense | $4,302,000 | 656 |
| Pre-tax net operating income | $-1,880,000 | 8,547 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-1,121,000 | 8,580 |
| Income before extraordinary items | $-759,000 | 8,430 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-759,000 | 8,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,036,000 | 275 |
| Cash dividends | $500,000 | 2,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-759,000 | 8,418 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,119,000 | 1,308 |
| Total interest expense | $3,971,000 | 1,238 |
| Net interest income | $4,148,000 | 1,366 |
| Provision for loan and lease losses | $1,786,000 | 199 |
| Total noninterest income | $1,801,000 | 817 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,003,000 | 420 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $798,000 | 990 |
| Total noninterest expense | $4,237,000 | 1,106 |
| Salaries and employee benefits | $1,677,000 | 1,548 |
| Premises and equipment expense | $565,000 | 1,197 |
| Additional noninterest expense | $1,995,000 | 700 |
| Pre-tax net operating income | $-74,000 | 8,088 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-278,000 | 8,587 |
| Income before extraordinary items | $204,000 | 5,012 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $204,000 | 5,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $910,000 | 255 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $204,000 | 5,002 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,987,000 | 1,223 |
| Total interest expense | $14,029,000 | 1,197 |
| Net interest income | $17,958,000 | 1,260 |
| Provision for loan and lease losses | $1,810,000 | 606 |
| Total noninterest income | $7,316,000 | 805 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,098,000 | 417 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,218,000 | 944 |
| Total noninterest expense | $14,187,000 | 1,261 |
| Salaries and employee benefits | $5,992,000 | 1,637 |
| Premises and equipment expense | $1,939,000 | 1,332 |
| Additional noninterest expense | $6,256,000 | 855 |
| Pre-tax net operating income | $9,277,000 | 1,061 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,073,000 | 1,293 |
| Income before extraordinary items | $7,204,000 | 1,037 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,204,000 | 1,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $995,000 | 688 |
| Cash dividends | $6,600,000 | 556 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $7,204,000 | 1,025 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $23,666,000 | 1,242 |
| Total interest expense | $10,054,000 | 1,219 |
| Net interest income | $13,612,000 | 1,268 |
| Provision for loan and lease losses | $764,000 | 980 |
| Total noninterest income | $5,453,000 | 814 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $3,057,000 | 425 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,396,000 | 966 |
| Total noninterest expense | $10,743,000 | 1,267 |
| Salaries and employee benefits | $4,416,000 | 1,669 |
| Premises and equipment expense | $1,392,000 | 1,400 |
| Additional noninterest expense | $4,935,000 | 824 |
| Pre-tax net operating income | $7,558,000 | 1,016 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,760,000 | 1,218 |
| Income before extraordinary items | $5,798,000 | 997 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,798,000 | 996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $502,000 | 800 |
| Cash dividends | $5,100,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,798,000 | 984 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,516,000 | 1,246 |
| Total interest expense | $6,401,000 | 1,219 |
| Net interest income | $9,115,000 | 1,254 |
| Provision for loan and lease losses | $801,000 | 643 |
| Total noninterest income | $3,541,000 | 829 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,956,000 | 444 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,585,000 | 977 |
| Total noninterest expense | $7,459,000 | 1,229 |
| Salaries and employee benefits | $3,168,000 | 1,563 |
| Premises and equipment expense | $897,000 | 1,453 |
| Additional noninterest expense | $3,394,000 | 796 |
| Pre-tax net operating income | $4,396,000 | 1,158 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $931,000 | 1,481 |
| Income before extraordinary items | $3,465,000 | 1,109 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,465,000 | 1,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 695 |
| Cash dividends | $3,350,000 | 525 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,465,000 | 1,090 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,555,000 | 1,257 |
| Total interest expense | $3,042,000 | 1,217 |
| Net interest income | $4,513,000 | 1,261 |
| Provision for loan and lease losses | $513,000 | 473 |
| Total noninterest income | $1,633,000 | 874 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $857,000 | 479 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $776,000 | 979 |
| Total noninterest expense | $3,670,000 | 1,250 |
| Salaries and employee benefits | $1,566,000 | 1,590 |
| Premises and equipment expense | $461,000 | 1,412 |
| Additional noninterest expense | $1,643,000 | 814 |
| Pre-tax net operating income | $1,963,000 | 1,261 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $384,000 | 1,706 |
| Income before extraordinary items | $1,579,000 | 1,177 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,579,000 | 1,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 614 |
| Cash dividends | $1,750,000 | 470 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,579,000 | 1,159 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,911,000 | 1,244 |
| Total interest expense | $9,469,000 | 1,189 |
| Net interest income | $17,442,000 | 1,242 |
| Provision for loan and lease losses | $2,245,000 | 481 |
| Total noninterest income | $6,724,000 | 847 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,772,000 | 454 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,952,000 | 1,027 |
| Total noninterest expense | $13,141,000 | 1,320 |
| Salaries and employee benefits | $5,262,000 | 1,765 |
| Premises and equipment expense | $1,695,000 | 1,443 |
| Additional noninterest expense | $6,184,000 | 837 |
| Pre-tax net operating income | $8,780,000 | 1,103 |
| Securities gains (losses) | $140,000 | 598 |
| Applicable income taxes | $1,924,000 | 1,408 |
| Income before extraordinary items | $6,996,000 | 1,041 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,996,000 | 1,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,610,000 | 472 |
| Cash dividends | $2,250,000 | 1,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,886,800 | 1,027 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,392,000 | 1,254 |
| Total interest expense | $6,648,000 | 1,195 |
| Net interest income | $12,744,000 | 1,262 |
| Provision for loan and lease losses | $1,793,000 | 419 |
| Total noninterest income | $5,000,000 | 858 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,814,000 | 451 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,186,000 | 1,055 |
| Total noninterest expense | $9,896,000 | 1,293 |
| Salaries and employee benefits | $3,983,000 | 1,740 |
| Premises and equipment expense | $1,240,000 | 1,465 |
| Additional noninterest expense | $4,673,000 | 816 |
| Pre-tax net operating income | $6,055,000 | 1,181 |
| Securities gains (losses) | $144,000 | 549 |
| Applicable income taxes | $1,343,000 | 1,507 |
| Income before extraordinary items | $4,856,000 | 1,111 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,856,000 | 1,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,186,000 | 440 |
| Cash dividends | $1,500,000 | 1,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,743,680 | 1,124 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,441,000 | 1,267 |
| Total interest expense | $4,115,000 | 1,214 |
| Net interest income | $8,326,000 | 1,288 |
| Provision for loan and lease losses | $1,441,000 | 354 |
| Total noninterest income | $3,217,000 | 870 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,789,000 | 461 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,428,000 | 1,040 |
| Total noninterest expense | $6,613,000 | 1,279 |
| Salaries and employee benefits | $2,674,000 | 1,722 |
| Premises and equipment expense | $850,000 | 1,428 |
| Additional noninterest expense | $3,089,000 | 823 |
| Pre-tax net operating income | $3,489,000 | 1,343 |
| Securities gains (losses) | $116,000 | 529 |
| Applicable income taxes | $734,000 | 1,736 |
| Income before extraordinary items | $2,871,000 | 1,227 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,871,000 | 1,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,045,000 | 348 |
| Cash dividends | $1,000,000 | 1,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,778,200 | 1,247 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,892,000 | 1,303 |
| Total interest expense | $1,897,000 | 1,250 |
| Net interest income | $3,995,000 | 1,340 |
| Provision for loan and lease losses | $1,210,000 | 219 |
| Total noninterest income | $1,540,000 | 883 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $771,000 | 521 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $769,000 | 981 |
| Total noninterest expense | $3,289,000 | 1,293 |
| Salaries and employee benefits | $1,320,000 | 1,749 |
| Premises and equipment expense | $449,000 | 1,348 |
| Additional noninterest expense | $1,520,000 | 821 |
| Pre-tax net operating income | $1,036,000 | 2,103 |
| Securities gains (losses) | $35,000 | 641 |
| Applicable income taxes | $120,000 | 3,471 |
| Income before extraordinary items | $951,000 | 1,775 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $951,000 | 1,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $919,000 | 235 |
| Cash dividends | $1,000,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $919,850 | 1,798 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $21,010,000 | 1,354 |
| Total interest expense | $6,280,000 | 1,312 |
| Net interest income | $14,730,000 | 1,368 |
| Provision for loan and lease losses | $397,000 | 2,390 |
| Total noninterest income | $5,766,000 | 958 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,276,000 | 526 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,490,000 | 1,132 |
| Total noninterest expense | $11,417,000 | 1,422 |
| Salaries and employee benefits | $4,796,000 | 1,828 |
| Premises and equipment expense | $1,498,000 | 1,551 |
| Additional noninterest expense | $5,123,000 | 982 |
| Pre-tax net operating income | $8,682,000 | 1,002 |
| Securities gains (losses) | $176,000 | 896 |
| Applicable income taxes | $2,291,000 | 1,124 |
| Income before extraordinary items | $6,567,000 | 1,011 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,567,000 | 1,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 2,073 |
| Cash dividends | $1,850,000 | 1,453 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,436,760 | 995 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,216,000 | 1,389 |
| Total interest expense | $4,538,000 | 1,330 |
| Net interest income | $10,678,000 | 1,402 |
| Provision for loan and lease losses | $319,000 | 2,150 |
| Total noninterest income | $4,291,000 | 974 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,430,000 | 539 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,861,000 | 1,141 |
| Total noninterest expense | $8,556,000 | 1,422 |
| Salaries and employee benefits | $3,654,000 | 1,794 |
| Premises and equipment expense | $1,099,000 | 1,591 |
| Additional noninterest expense | $3,803,000 | 988 |
| Pre-tax net operating income | $6,094,000 | 1,089 |
| Securities gains (losses) | $234,000 | 703 |
| Applicable income taxes | $1,641,000 | 1,191 |
| Income before extraordinary items | $4,687,000 | 1,059 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,687,000 | 1,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 1,666 |
| Cash dividends | $1,600,000 | 1,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,513,840 | 1,056 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,883,000 | 1,416 |
| Total interest expense | $2,943,000 | 1,342 |
| Net interest income | $6,940,000 | 1,427 |
| Provision for loan and lease losses | $246,000 | 1,863 |
| Total noninterest income | $2,841,000 | 972 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,552,000 | 560 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,289,000 | 1,115 |
| Total noninterest expense | $5,668,000 | 1,428 |
| Salaries and employee benefits | $2,438,000 | 1,798 |
| Premises and equipment expense | $743,000 | 1,560 |
| Additional noninterest expense | $2,487,000 | 997 |
| Pre-tax net operating income | $3,867,000 | 1,115 |
| Securities gains (losses) | $123,000 | 913 |
| Applicable income taxes | $1,033,000 | 1,251 |
| Income before extraordinary items | $2,957,000 | 1,111 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,957,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 1,442 |
| Cash dividends | $1,350,000 | 978 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,865,980 | 1,098 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,885,000 | 1,454 |
| Total interest expense | $1,460,000 | 1,368 |
| Net interest income | $3,425,000 | 1,457 |
| Provision for loan and lease losses | $104,000 | 2,079 |
| Total noninterest income | $1,183,000 | 1,104 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $716,000 | 601 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $467,000 | 1,363 |
| Total noninterest expense | $2,819,000 | 1,447 |
| Salaries and employee benefits | $1,211,000 | 1,821 |
| Premises and equipment expense | $372,000 | 1,573 |
| Additional noninterest expense | $1,236,000 | 998 |
| Pre-tax net operating income | $1,685,000 | 1,256 |
| Securities gains (losses) | $123,000 | 709 |
| Applicable income taxes | $451,000 | 1,406 |
| Income before extraordinary items | $1,357,000 | 1,202 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,357,000 | 1,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 2,238 |
| Cash dividends | $350,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,264,750 | 1,218 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,657,000 | 1,543 |
| Total interest expense | $6,019,000 | 1,474 |
| Net interest income | $12,638,000 | 1,536 |
| Provision for loan and lease losses | $-118,000 | 9,048 |
| Total noninterest income | $6,155,000 | 950 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,799,000 | 611 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,356,000 | 1,001 |
| Total noninterest expense | $10,946,000 | 1,462 |
| Salaries and employee benefits | $4,558,000 | 1,890 |
| Premises and equipment expense | $1,542,000 | 1,475 |
| Additional noninterest expense | $4,846,000 | 1,053 |
| Pre-tax net operating income | $7,965,000 | 1,054 |
| Securities gains (losses) | $-108,000 | 9,029 |
| Applicable income taxes | $2,041,000 | 1,272 |
| Income before extraordinary items | $5,816,000 | 1,108 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,816,000 | 1,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,718 |
| Cash dividends | $4,350,000 | 731 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,895,920 | 1,033 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,860,000 | 1,582 |
| Total interest expense | $4,545,000 | 1,531 |
| Net interest income | $9,315,000 | 1,571 |
| Provision for loan and lease losses | $-148,000 | 9,152 |
| Total noninterest income | $4,737,000 | 966 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,051,000 | 632 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,686,000 | 995 |
| Total noninterest expense | $8,201,000 | 1,466 |
| Salaries and employee benefits | $3,390,000 | 1,906 |
| Premises and equipment expense | $1,166,000 | 1,477 |
| Additional noninterest expense | $3,645,000 | 1,056 |
| Pre-tax net operating income | $5,999,000 | 1,082 |
| Securities gains (losses) | $-108,000 | 9,124 |
| Applicable income taxes | $1,531,000 | 1,331 |
| Income before extraordinary items | $4,360,000 | 1,145 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,360,000 | 1,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,241 |
| Cash dividends | $2,850,000 | 763 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,439,920 | 1,065 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,250,000 | 1,583 |
| Total interest expense | $3,082,000 | 1,558 |
| Net interest income | $6,168,000 | 1,587 |
| Provision for loan and lease losses | $-340,000 | 9,235 |
| Total noninterest income | $2,986,000 | 1,004 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,310,000 | 650 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,676,000 | 1,037 |
| Total noninterest expense | $5,415,000 | 1,481 |
| Salaries and employee benefits | $2,219,000 | 1,916 |
| Premises and equipment expense | $791,000 | 1,448 |
| Additional noninterest expense | $2,405,000 | 1,057 |
| Pre-tax net operating income | $4,079,000 | 1,059 |
| Securities gains (losses) | $38,000 | 2,204 |
| Applicable income taxes | $1,105,000 | 1,261 |
| Income before extraordinary items | $3,012,000 | 1,117 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,012,000 | 1,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,018 |
| Cash dividends | $2,100,000 | 709 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,984,260 | 1,042 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,695,000 | 1,579 |
| Total interest expense | $1,544,000 | 1,600 |
| Net interest income | $3,151,000 | 1,548 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $1,488,000 | 978 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $620,000 | 670 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $868,000 | 985 |
| Total noninterest expense | $2,662,000 | 1,502 |
| Salaries and employee benefits | $1,078,000 | 1,970 |
| Premises and equipment expense | $400,000 | 1,451 |
| Additional noninterest expense | $1,184,000 | 1,044 |
| Pre-tax net operating income | $1,917,000 | 1,128 |
| Securities gains (losses) | $38,000 | 1,549 |
| Applicable income taxes | $521,000 | 1,321 |
| Income before extraordinary items | $1,434,000 | 1,165 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,434,000 | 1,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 1,618 |
| Cash dividends | $1,000,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,406,260 | 1,097 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,881,000 | 1,552 |
| Total interest expense | $7,111,000 | 1,600 |
| Net interest income | $12,770,000 | 1,515 |
| Provision for loan and lease losses | $390,000 | 2,895 |
| Total noninterest income | $4,496,000 | 1,154 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,397,000 | 678 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,099,000 | 1,266 |
| Total noninterest expense | $10,087,000 | 1,534 |
| Salaries and employee benefits | $4,297,000 | 1,879 |
| Premises and equipment expense | $1,426,000 | 1,556 |
| Additional noninterest expense | $4,364,000 | 1,136 |
| Pre-tax net operating income | $6,789,000 | 1,240 |
| Securities gains (losses) | $-92,000 | 9,122 |
| Applicable income taxes | $1,848,000 | 1,379 |
| Income before extraordinary items | $4,849,000 | 1,300 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,849,000 | 1,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,970 |
| Cash dividends | $3,250,000 | 861 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,915,240 | 1,229 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,023,000 | 1,794 |
| Total interest expense | $7,895,000 | 2,040 |
| Net interest income | $11,128,000 | 1,596 |
| Provision for loan and lease losses | $510,000 | 2,161 |
| Total noninterest income | $3,453,000 | 1,325 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,714,000 | 859 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,739,000 | 1,371 |
| Total noninterest expense | $8,887,000 | 1,641 |
| Salaries and employee benefits | $3,817,000 | 1,968 |
| Premises and equipment expense | $1,111,000 | 1,931 |
| Additional noninterest expense | $3,959,000 | 1,205 |
| Pre-tax net operating income | $5,184,000 | 1,393 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $1,381,000 | 1,618 |
| Income before extraordinary items | $3,829,000 | 1,416 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,829,000 | 1,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,735 |
| Cash dividends | $1,575,000 | 1,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,810,020 | 1,365 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,288,000 | 2,038 |
| Total interest expense | $7,619,000 | 2,235 |
| Net interest income | $9,669,000 | 1,824 |
| Provision for loan and lease losses | $380,000 | 2,366 |
| Total noninterest income | $2,222,000 | 1,734 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $983,000 | 1,384 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,239,000 | 1,619 |
| Total noninterest expense | $7,209,000 | 1,933 |
| Salaries and employee benefits | $3,140,000 | 2,268 |
| Premises and equipment expense | $975,000 | 2,113 |
| Additional noninterest expense | $3,094,000 | 1,449 |
| Pre-tax net operating income | $4,302,000 | 1,705 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $1,054,000 | 2,028 |
| Income before extraordinary items | $3,252,000 | 1,623 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,252,000 | 1,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,871 |
| Cash dividends | $1,300,000 | 1,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,248,960 | 1,616 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,632,000 | 2,401 |
| Total interest expense | $5,429,000 | 2,700 |
| Net interest income | $8,203,000 | 2,141 |
| Provision for loan and lease losses | $220,000 | 3,352 |
| Total noninterest income | $2,192,000 | 1,736 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $827,000 | 1,598 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,365,000 | 1,493 |
| Total noninterest expense | $7,101,000 | 1,934 |
| Salaries and employee benefits | $3,070,000 | 2,285 |
| Premises and equipment expense | $844,000 | 2,389 |
| Additional noninterest expense | $3,187,000 | 1,446 |
| Pre-tax net operating income | $3,074,000 | 2,360 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $729,000 | 2,828 |
| Income before extraordinary items | $2,345,000 | 2,229 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,345,000 | 2,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,193 |
| Cash dividends | $2,000,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,345,000 | 2,208 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,764,000 | 2,367 |
| Total interest expense | $5,754,000 | 2,636 |
| Net interest income | $8,010,000 | 2,129 |
| Provision for loan and lease losses | $340,000 | 2,360 |
| Total noninterest income | $2,113,000 | 1,749 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $649,000 | 1,974 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,464,000 | 1,425 |
| Total noninterest expense | $6,764,000 | 1,928 |
| Salaries and employee benefits | $3,029,000 | 2,235 |
| Premises and equipment expense | $712,000 | 2,723 |
| Additional noninterest expense | $3,023,000 | 1,441 |
| Pre-tax net operating income | $3,019,000 | 2,359 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $814,000 | 2,705 |
| Income before extraordinary items | $2,205,000 | 2,339 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,205,000 | 2,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,764 |
| Cash dividends | $1,200,000 | 1,939 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,205,000 | 2,261 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,179,000 | 2,687 |
| Total interest expense | $5,344,000 | 2,802 |
| Net interest income | $6,835,000 | 2,541 |
| Provision for loan and lease losses | $265,000 | 2,849 |
| Total noninterest income | $1,303,000 | 2,458 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $508,000 | 2,583 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $795,000 | 2,034 |
| Total noninterest expense | $5,207,000 | 2,471 |
| Salaries and employee benefits | $2,336,000 | 2,832 |
| Premises and equipment expense | $563,000 | 3,339 |
| Additional noninterest expense | $2,308,000 | 1,841 |
| Pre-tax net operating income | $2,666,000 | 2,756 |
| Securities gains (losses) | $-14,000 | 10,204 |
| Applicable income taxes | $714,000 | 3,192 |
| Income before extraordinary items | $1,938,000 | 2,655 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,938,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,261 |
| Cash dividends | $825,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,948,220 | 2,601 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,702,000 | 3,072 |
| Total interest expense | $4,511,000 | 3,312 |
| Net interest income | $6,191,000 | 2,869 |
| Provision for loan and lease losses | $108,000 | 4,918 |
| Total noninterest income | $1,050,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $487,000 | 2,775 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $563,000 | 2,694 |
| Total noninterest expense | $4,462,000 | 3,037 |
| Salaries and employee benefits | $2,014,000 | 3,316 |
| Premises and equipment expense | $519,000 | 3,663 |
| Additional noninterest expense | $1,929,000 | 2,544 |
| Pre-tax net operating income | $2,671,000 | 2,623 |
| Securities gains (losses) | $-18,000 | 10,586 |
| Applicable income taxes | $741,000 | 3,049 |
| Income before extraordinary items | $1,912,000 | 2,542 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,912,000 | 2,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 10,693 |
| Cash dividends | $1,125,000 | 1,960 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,924,960 | 2,489 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,461,000 | 3,456 |
| Total interest expense | $3,767,000 | 3,887 |
| Net interest income | $5,694,000 | 3,126 |
| Provision for loan and lease losses | $98,000 | 4,693 |
| Total noninterest income | $723,000 | 3,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $456,000 | 2,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $267,000 | 4,300 |
| Total noninterest expense | $4,177,000 | 3,197 |
| Salaries and employee benefits | $1,812,000 | 3,620 |
| Premises and equipment expense | $515,000 | 3,665 |
| Additional noninterest expense | $1,850,000 | 2,576 |
| Pre-tax net operating income | $2,142,000 | 3,280 |
| Securities gains (losses) | $-69,000 | 11,337 |
| Applicable income taxes | $553,000 | 3,880 |
| Income before extraordinary items | $1,520,000 | 3,212 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,520,000 | 3,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 11,021 |
| Cash dividends | $325,000 | 4,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,570,370 | 3,089 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,455,000 | 3,986 |
| Total interest expense | $2,445,000 | 4,739 |
| Net interest income | $5,010,000 | 3,561 |
| Provision for loan and lease losses | $63,000 | 5,527 |
| Total noninterest income | $726,000 | 3,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $299,000 | 4,104 |
| Total noninterest expense | $3,905,000 | 3,500 |
| Salaries and employee benefits | $1,607,000 | 4,028 |
| Premises and equipment expense | $445,000 | 4,194 |
| Additional noninterest expense | $1,853,000 | 2,751 |
| Pre-tax net operating income | $1,768,000 | 3,815 |
| Securities gains (losses) | $9,000 | 2,280 |
| Applicable income taxes | $451,000 | 4,376 |
| Income before extraordinary items | $1,326,000 | 3,530 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,326,000 | 3,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,873 |
| Cash dividends | $815,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,319,250 | 3,583 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,421,000 | 4,088 |
| Total interest expense | $2,750,000 | 4,446 |
| Net interest income | $4,671,000 | 3,801 |
| Provision for loan and lease losses | $132,000 | 4,966 |
| Total noninterest income | $858,000 | 3,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $397,000 | 3,468 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $461,000 | 3,429 |
| Total noninterest expense | $3,938,000 | 3,542 |
| Salaries and employee benefits | $1,668,000 | 3,881 |
| Premises and equipment expense | $435,000 | 4,387 |
| Additional noninterest expense | $1,835,000 | 2,942 |
| Pre-tax net operating income | $1,459,000 | 4,434 |
| Securities gains (losses) | $277,000 | 1,373 |
| Applicable income taxes | $446,000 | 4,614 |
| Income before extraordinary items | $1,290,000 | 3,741 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,290,000 | 3,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 12,581 |
| Cash dividends | $1,300,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,085,020 | 4,156 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,269,000 | 4,175 |
| Total interest expense | $3,662,000 | 4,388 |
| Net interest income | $4,607,000 | 3,919 |
| Provision for loan and lease losses | $205,000 | 5,142 |
| Total noninterest income | $738,000 | 4,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $385,000 | 3,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $353,000 | 4,015 |
| Total noninterest expense | $3,529,000 | 3,906 |
| Salaries and employee benefits | $1,413,000 | 4,463 |
| Premises and equipment expense | $397,000 | 4,824 |
| Additional noninterest expense | $1,719,000 | 3,185 |
| Pre-tax net operating income | $1,611,000 | 3,775 |
| Securities gains (losses) | $62,000 | 3,771 |
| Applicable income taxes | $447,000 | 4,388 |
| Income before extraordinary items | $1,226,000 | 3,730 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,226,000 | 3,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 2,926 |
| Cash dividends | $1,030,000 | 1,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,180,740 | 3,583 |
* 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.