Home > Independent Bank-West Michigan > Income and Expense
Independent Bank-West Michigan, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $27,574,000 | 758 |
| Total interest expense | $10,909,000 | 911 |
| Net interest income | $16,665,000 | 685 |
| Provision for loan and lease losses | $7,182,000 | 136 |
| Total noninterest income | $7,454,000 | 482 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $3,768,000 | 238 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,686,000 | 537 |
| Total noninterest expense | $14,404,000 | 648 |
| Salaries and employee benefits | $5,516,000 | 916 |
| Premises and equipment expense | $2,136,000 | 642 |
| Additional noninterest expense | $6,752,000 | 459 |
| Pre-tax net operating income | $2,533,000 | 1,802 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $430,000 | 2,279 |
| Income before extraordinary items | $2,103,000 | 1,647 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,103,000 | 1,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,332,000 | 243 |
| Cash dividends | $5,250,000 | 407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,103,000 | 1,630 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $13,614,000 | 759 |
| Total interest expense | $5,386,000 | 904 |
| Net interest income | $8,228,000 | 684 |
| Provision for loan and lease losses | $2,315,000 | 160 |
| Total noninterest income | $3,636,000 | 484 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,762,000 | 244 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,874,000 | 524 |
| Total noninterest expense | $7,154,000 | 656 |
| Salaries and employee benefits | $2,813,000 | 907 |
| Premises and equipment expense | $1,014,000 | 665 |
| Additional noninterest expense | $3,327,000 | 453 |
| Pre-tax net operating income | $2,395,000 | 983 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $610,000 | 1,103 |
| Income before extraordinary items | $1,785,000 | 983 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,785,000 | 982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $962,000 | 247 |
| Cash dividends | $3,250,000 | 313 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,785,000 | 970 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $52,406,000 | 732 |
| Total interest expense | $18,828,000 | 884 |
| Net interest income | $33,578,000 | 659 |
| Provision for loan and lease losses | $4,667,000 | 255 |
| Total noninterest income | $14,297,000 | 482 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $7,291,000 | 245 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,006,000 | 533 |
| Total noninterest expense | $26,486,000 | 673 |
| Salaries and employee benefits | $10,820,000 | 889 |
| Premises and equipment expense | $3,703,000 | 696 |
| Additional noninterest expense | $11,963,000 | 483 |
| Pre-tax net operating income | $16,722,000 | 628 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $4,925,000 | 639 |
| Income before extraordinary items | $11,797,000 | 644 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $11,797,000 | 643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,757,000 | 235 |
| Cash dividends | $11,250,000 | 354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $11,797,000 | 634 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $38,658,000 | 748 |
| Total interest expense | $13,395,000 | 913 |
| Net interest income | $25,263,000 | 676 |
| Provision for loan and lease losses | $1,866,000 | 425 |
| Total noninterest income | $10,628,000 | 502 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $5,372,000 | 250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,256,000 | 539 |
| Total noninterest expense | $19,977,000 | 679 |
| Salaries and employee benefits | $8,139,000 | 902 |
| Premises and equipment expense | $2,771,000 | 711 |
| Additional noninterest expense | $9,067,000 | 490 |
| Pre-tax net operating income | $14,048,000 | 594 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,219,000 | 613 |
| Income before extraordinary items | $9,829,000 | 609 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $9,829,000 | 608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,285,000 | 377 |
| Cash dividends | $9,250,000 | 314 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $9,829,000 | 598 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $25,327,000 | 748 |
| Total interest expense | $8,362,000 | 926 |
| Net interest income | $16,965,000 | 677 |
| Provision for loan and lease losses | $811,000 | 639 |
| Total noninterest income | $6,862,000 | 508 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,374,000 | 259 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,488,000 | 542 |
| Total noninterest expense | $13,691,000 | 666 |
| Salaries and employee benefits | $5,665,000 | 868 |
| Premises and equipment expense | $1,882,000 | 703 |
| Additional noninterest expense | $6,144,000 | 477 |
| Pre-tax net operating income | $9,325,000 | 596 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,776,000 | 626 |
| Income before extraordinary items | $6,549,000 | 613 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,549,000 | 611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $828,000 | 391 |
| Cash dividends | $7,500,000 | 277 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $6,549,000 | 601 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,410,000 | 743 |
| Total interest expense | $3,918,000 | 932 |
| Net interest income | $8,492,000 | 675 |
| Provision for loan and lease losses | $220,000 | 1,071 |
| Total noninterest income | $3,164,000 | 532 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,500,000 | 277 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,664,000 | 558 |
| Total noninterest expense | $6,700,000 | 671 |
| Salaries and employee benefits | $2,770,000 | 886 |
| Premises and equipment expense | $994,000 | 661 |
| Additional noninterest expense | $2,936,000 | 497 |
| Pre-tax net operating income | $4,736,000 | 573 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,410,000 | 612 |
| Income before extraordinary items | $3,326,000 | 599 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,326,000 | 598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 422 |
| Cash dividends | $4,500,000 | 232 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $3,326,000 | 585 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $41,643,000 | 772 |
| Total interest expense | $11,004,000 | 1,015 |
| Net interest income | $30,639,000 | 685 |
| Provision for loan and lease losses | $2,453,000 | 442 |
| Total noninterest income | $12,880,000 | 526 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $6,375,000 | 266 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,505,000 | 572 |
| Total noninterest expense | $23,854,000 | 722 |
| Salaries and employee benefits | $9,580,000 | 954 |
| Premises and equipment expense | $3,310,000 | 732 |
| Additional noninterest expense | $10,964,000 | 516 |
| Pre-tax net operating income | $17,212,000 | 607 |
| Securities gains (losses) | $-80,000 | 8,353 |
| Applicable income taxes | $5,026,000 | 638 |
| Income before extraordinary items | $12,106,000 | 612 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $12,106,000 | 613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,910,000 | 415 |
| Cash dividends | $4,000,000 | 801 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $12,162,800 | 595 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,122,000 | 807 |
| Total interest expense | $7,398,000 | 1,080 |
| Net interest income | $21,724,000 | 711 |
| Provision for loan and lease losses | $1,647,000 | 467 |
| Total noninterest income | $9,521,000 | 534 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,678,000 | 268 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,843,000 | 574 |
| Total noninterest expense | $17,288,000 | 729 |
| Salaries and employee benefits | $7,028,000 | 968 |
| Premises and equipment expense | $2,408,000 | 745 |
| Additional noninterest expense | $7,852,000 | 535 |
| Pre-tax net operating income | $12,310,000 | 619 |
| Securities gains (losses) | $-72,000 | 8,572 |
| Applicable income taxes | $3,620,000 | 664 |
| Income before extraordinary items | $8,618,000 | 645 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,618,000 | 645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $645,000 | 685 |
| Cash dividends | $2,500,000 | 869 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $8,668,400 | 628 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,621,000 | 884 |
| Total interest expense | $4,294,000 | 1,157 |
| Net interest income | $13,327,000 | 776 |
| Provision for loan and lease losses | $842,000 | 603 |
| Total noninterest income | $5,856,000 | 557 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,835,000 | 289 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,021,000 | 592 |
| Total noninterest expense | $10,899,000 | 768 |
| Salaries and employee benefits | $4,269,000 | 1,067 |
| Premises and equipment expense | $1,562,000 | 762 |
| Additional noninterest expense | $5,068,000 | 550 |
| Pre-tax net operating income | $7,442,000 | 658 |
| Securities gains (losses) | $-46,000 | 8,575 |
| Applicable income taxes | $2,169,000 | 722 |
| Income before extraordinary items | $5,227,000 | 686 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,227,000 | 686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 619 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,259,660 | 665 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,640,000 | 1,003 |
| Total interest expense | $1,831,000 | 1,303 |
| Net interest income | $5,809,000 | 899 |
| Provision for loan and lease losses | $72,000 | 2,641 |
| Total noninterest income | $2,692,000 | 578 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,147,000 | 343 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,545,000 | 572 |
| Total noninterest expense | $4,877,000 | 851 |
| Salaries and employee benefits | $1,866,000 | 1,229 |
| Premises and equipment expense | $739,000 | 804 |
| Additional noninterest expense | $2,272,000 | 593 |
| Pre-tax net operating income | $3,552,000 | 692 |
| Securities gains (losses) | $-30,000 | 8,724 |
| Applicable income taxes | $1,012,000 | 759 |
| Income before extraordinary items | $2,510,000 | 712 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,510,000 | 712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 801 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,531,300 | 683 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $28,935,000 | 981 |
| Total interest expense | $5,971,000 | 1,372 |
| Net interest income | $22,964,000 | 860 |
| Provision for loan and lease losses | $592,000 | 1,694 |
| Total noninterest income | $10,479,000 | 585 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $5,119,000 | 335 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,360,000 | 637 |
| Total noninterest expense | $17,953,000 | 912 |
| Salaries and employee benefits | $6,460,000 | 1,369 |
| Premises and equipment expense | $2,475,000 | 904 |
| Additional noninterest expense | $9,018,000 | 604 |
| Pre-tax net operating income | $14,898,000 | 620 |
| Securities gains (losses) | $-147,000 | 8,777 |
| Applicable income taxes | $4,271,000 | 664 |
| Income before extraordinary items | $10,480,000 | 644 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $10,480,000 | 645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 1,390 |
| Cash dividends | $8,000,000 | 417 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $10,584,370 | 611 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $21,305,000 | 980 |
| Total interest expense | $4,315,000 | 1,398 |
| Net interest income | $16,990,000 | 865 |
| Provision for loan and lease losses | $273,000 | 2,422 |
| Total noninterest income | $7,852,000 | 595 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,777,000 | 347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,075,000 | 651 |
| Total noninterest expense | $13,406,000 | 910 |
| Salaries and employee benefits | $4,893,000 | 1,352 |
| Premises and equipment expense | $1,808,000 | 936 |
| Additional noninterest expense | $6,705,000 | 604 |
| Pre-tax net operating income | $11,163,000 | 621 |
| Securities gains (losses) | $244,000 | 682 |
| Applicable income taxes | $3,320,000 | 671 |
| Income before extraordinary items | $8,087,000 | 635 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $8,087,000 | 636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,404 |
| Cash dividends | $6,500,000 | 376 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $7,913,760 | 617 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,016,000 | 981 |
| Total interest expense | $2,792,000 | 1,420 |
| Net interest income | $11,224,000 | 867 |
| Provision for loan and lease losses | $212,000 | 2,085 |
| Total noninterest income | $5,339,000 | 586 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,460,000 | 349 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,879,000 | 614 |
| Total noninterest expense | $8,813,000 | 919 |
| Salaries and employee benefits | $3,199,000 | 1,368 |
| Premises and equipment expense | $1,198,000 | 949 |
| Additional noninterest expense | $4,416,000 | 601 |
| Pre-tax net operating income | $7,538,000 | 608 |
| Securities gains (losses) | $132,000 | 865 |
| Applicable income taxes | $2,236,000 | 661 |
| Income before extraordinary items | $5,434,000 | 624 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,434,000 | 624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 1,386 |
| Cash dividends | $4,000,000 | 394 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $5,340,280 | 604 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,898,000 | 1,002 |
| Total interest expense | $1,541,000 | 1,293 |
| Net interest income | $5,357,000 | 917 |
| Provision for loan and lease losses | $148,000 | 1,556 |
| Total noninterest income | $1,988,000 | 720 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,150,000 | 369 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $838,000 | 893 |
| Total noninterest expense | $4,245,000 | 964 |
| Salaries and employee benefits | $1,529,000 | 1,452 |
| Premises and equipment expense | $610,000 | 947 |
| Additional noninterest expense | $2,106,000 | 617 |
| Pre-tax net operating income | $2,952,000 | 746 |
| Securities gains (losses) | $132,000 | 674 |
| Applicable income taxes | $851,000 | 847 |
| Income before extraordinary items | $2,233,000 | 748 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,233,000 | 748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 1,261 |
| Cash dividends | $1,500,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,137,960 | 727 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $28,877,000 | 977 |
| Total interest expense | $7,427,000 | 1,200 |
| Net interest income | $21,450,000 | 905 |
| Provision for loan and lease losses | $1,056,000 | 1,129 |
| Total noninterest income | $13,423,000 | 527 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $4,643,000 | 368 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,780,000 | 496 |
| Total noninterest expense | $18,030,000 | 890 |
| Salaries and employee benefits | $6,372,000 | 1,353 |
| Premises and equipment expense | $2,412,000 | 930 |
| Additional noninterest expense | $9,246,000 | 595 |
| Pre-tax net operating income | $15,787,000 | 571 |
| Securities gains (losses) | $-538,000 | 9,135 |
| Applicable income taxes | $4,568,000 | 666 |
| Income before extraordinary items | $10,681,000 | 621 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $10,681,000 | 623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $625,000 | 1,346 |
| Cash dividends | $6,250,000 | 529 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $11,057,600 | 576 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $21,714,000 | 991 |
| Total interest expense | $5,697,000 | 1,224 |
| Net interest income | $16,017,000 | 922 |
| Provision for loan and lease losses | $864,000 | 1,024 |
| Total noninterest income | $10,392,000 | 546 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $3,394,000 | 391 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,998,000 | 506 |
| Total noninterest expense | $13,405,000 | 916 |
| Salaries and employee benefits | $4,691,000 | 1,385 |
| Premises and equipment expense | $1,808,000 | 942 |
| Additional noninterest expense | $6,906,000 | 601 |
| Pre-tax net operating income | $12,140,000 | 577 |
| Securities gains (losses) | $-518,000 | 9,196 |
| Applicable income taxes | $3,497,000 | 682 |
| Income before extraordinary items | $8,125,000 | 640 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $8,125,000 | 641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,539 |
| Cash dividends | $3,250,000 | 691 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $8,487,600 | 567 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $14,199,000 | 1,023 |
| Total interest expense | $3,816,000 | 1,255 |
| Net interest income | $10,383,000 | 938 |
| Provision for loan and lease losses | $645,000 | 934 |
| Total noninterest income | $5,999,000 | 590 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,169,000 | 397 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,830,000 | 569 |
| Total noninterest expense | $8,808,000 | 925 |
| Salaries and employee benefits | $3,088,000 | 1,401 |
| Premises and equipment expense | $1,247,000 | 918 |
| Additional noninterest expense | $4,473,000 | 616 |
| Pre-tax net operating income | $6,929,000 | 660 |
| Securities gains (losses) | $83,000 | 1,647 |
| Applicable income taxes | $2,100,000 | 746 |
| Income before extraordinary items | $4,912,000 | 702 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,912,000 | 703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 1,530 |
| Cash dividends | $2,250,000 | 667 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,853,900 | 656 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,962,000 | 1,057 |
| Total interest expense | $1,862,000 | 1,308 |
| Net interest income | $5,100,000 | 953 |
| Provision for loan and lease losses | $360,000 | 804 |
| Total noninterest income | $3,003,000 | 591 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,012,000 | 413 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,991,000 | 541 |
| Total noninterest expense | $4,394,000 | 926 |
| Salaries and employee benefits | $1,561,000 | 1,387 |
| Premises and equipment expense | $618,000 | 930 |
| Additional noninterest expense | $2,215,000 | 621 |
| Pre-tax net operating income | $3,349,000 | 682 |
| Securities gains (losses) | $83,000 | 1,102 |
| Applicable income taxes | $1,026,000 | 780 |
| Income before extraordinary items | $2,406,000 | 712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,406,000 | 711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,647 |
| Cash dividends | $750,000 | 860 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,347,900 | 672 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $28,172,000 | 1,095 |
| Total interest expense | $7,996,000 | 1,408 |
| Net interest income | $20,176,000 | 958 |
| Provision for loan and lease losses | $890,000 | 1,497 |
| Total noninterest income | $8,784,000 | 682 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $4,112,000 | 395 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,672,000 | 725 |
| Total noninterest expense | $16,205,000 | 966 |
| Salaries and employee benefits | $6,013,000 | 1,356 |
| Premises and equipment expense | $2,098,000 | 1,056 |
| Additional noninterest expense | $8,094,000 | 660 |
| Pre-tax net operating income | $11,865,000 | 742 |
| Securities gains (losses) | $-149,000 | 9,169 |
| Applicable income taxes | $3,591,000 | 793 |
| Income before extraordinary items | $8,125,000 | 783 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,125,000 | 783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $621,000 | 1,392 |
| Cash dividends | $6,550,000 | 493 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $8,227,810 | 740 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $31,815,000 | 1,069 |
| Total interest expense | $11,290,000 | 1,433 |
| Net interest income | $20,525,000 | 857 |
| Provision for loan and lease losses | $850,000 | 1,422 |
| Total noninterest income | $8,233,000 | 688 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,196,000 | 473 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,037,000 | 660 |
| Total noninterest expense | $17,858,000 | 847 |
| Salaries and employee benefits | $7,414,000 | 1,010 |
| Premises and equipment expense | $1,976,000 | 1,079 |
| Additional noninterest expense | $8,468,000 | 642 |
| Pre-tax net operating income | $10,050,000 | 761 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,174,000 | 798 |
| Income before extraordinary items | $6,876,000 | 807 |
| Extraordinary gains, net | $-72,000 | 9,520 |
| Net income | $6,804,000 | 815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $534,000 | 1,489 |
| Cash dividends | $3,000,000 | 915 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,876,000 | 773 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $30,333,000 | 1,164 |
| Total interest expense | $12,534,000 | 1,389 |
| Net interest income | $17,799,000 | 975 |
| Provision for loan and lease losses | $540,000 | 1,753 |
| Total noninterest income | $5,516,000 | 868 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,393,000 | 555 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,123,000 | 840 |
| Total noninterest expense | $14,568,000 | 970 |
| Salaries and employee benefits | $6,553,000 | 1,075 |
| Premises and equipment expense | $1,927,000 | 1,040 |
| Additional noninterest expense | $6,088,000 | 817 |
| Pre-tax net operating income | $8,207,000 | 943 |
| Securities gains (losses) | $18,000 | 979 |
| Applicable income taxes | $2,581,000 | 938 |
| Income before extraordinary items | $5,644,000 | 943 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,644,000 | 943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 1,962 |
| Cash dividends | $3,375,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,631,580 | 945 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,005,000 | 1,250 |
| Total interest expense | $9,817,000 | 1,530 |
| Net interest income | $16,188,000 | 1,086 |
| Provision for loan and lease losses | $540,000 | 1,662 |
| Total noninterest income | $5,561,000 | 860 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,110,000 | 625 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,451,000 | 813 |
| Total noninterest expense | $15,135,000 | 936 |
| Salaries and employee benefits | $7,305,000 | 937 |
| Premises and equipment expense | $1,694,000 | 1,186 |
| Additional noninterest expense | $6,136,000 | 836 |
| Pre-tax net operating income | $6,074,000 | 1,264 |
| Securities gains (losses) | $-5,000 | 9,083 |
| Applicable income taxes | $1,871,000 | 1,304 |
| Income before extraordinary items | $4,198,000 | 1,290 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,198,000 | 1,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,512 |
| Cash dividends | $2,150,000 | 1,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,201,450 | 1,265 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,825,000 | 1,301 |
| Total interest expense | $9,718,000 | 1,583 |
| Net interest income | $15,107,000 | 1,116 |
| Provision for loan and lease losses | $1,050,000 | 932 |
| Total noninterest income | $5,448,000 | 878 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,529,000 | 807 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,919,000 | 759 |
| Total noninterest expense | $14,049,000 | 968 |
| Salaries and employee benefits | $7,362,000 | 896 |
| Premises and equipment expense | $1,317,000 | 1,490 |
| Additional noninterest expense | $5,370,000 | 905 |
| Pre-tax net operating income | $5,456,000 | 1,380 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,642,000 | 1,488 |
| Income before extraordinary items | $3,814,000 | 1,391 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,814,000 | 1,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,813 |
| Cash dividends | $250,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,814,000 | 1,336 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,105,000 | 1,637 |
| Total interest expense | $7,819,000 | 1,972 |
| Net interest income | $12,286,000 | 1,408 |
| Provision for loan and lease losses | $260,000 | 2,876 |
| Total noninterest income | $3,272,000 | 1,217 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $983,000 | 1,308 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,289,000 | 998 |
| Total noninterest expense | $10,727,000 | 1,238 |
| Salaries and employee benefits | $5,272,000 | 1,249 |
| Premises and equipment expense | $1,010,000 | 1,953 |
| Additional noninterest expense | $4,445,000 | 1,056 |
| Pre-tax net operating income | $4,571,000 | 1,681 |
| Securities gains (losses) | $17,000 | 2,006 |
| Applicable income taxes | $1,363,000 | 1,859 |
| Income before extraordinary items | $3,225,000 | 1,672 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,225,000 | 1,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,018 |
| Cash dividends | $1,900,000 | 1,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,213,100 | 1,636 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,791,000 | 1,902 |
| Total interest expense | $6,963,000 | 2,221 |
| Net interest income | $10,828,000 | 1,638 |
| Provision for loan and lease losses | $205,000 | 3,345 |
| Total noninterest income | $2,472,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $643,000 | 2,100 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,829,000 | 1,225 |
| Total noninterest expense | $8,688,000 | 1,631 |
| Salaries and employee benefits | $4,356,000 | 1,530 |
| Premises and equipment expense | $859,000 | 2,302 |
| Additional noninterest expense | $3,473,000 | 1,526 |
| Pre-tax net operating income | $4,407,000 | 1,644 |
| Securities gains (losses) | $-108,000 | 11,227 |
| Applicable income taxes | $1,289,000 | 1,870 |
| Income before extraordinary items | $3,010,000 | 1,654 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,010,000 | 1,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,872 |
| Cash dividends | $1,175,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,085,600 | 1,581 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,064,000 | 2,238 |
| Total interest expense | $5,575,000 | 2,749 |
| Net interest income | $9,489,000 | 1,881 |
| Provision for loan and lease losses | $186,000 | 3,166 |
| Total noninterest income | $1,797,000 | 2,001 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $681,000 | 1,981 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,116,000 | 1,670 |
| Total noninterest expense | $7,314,000 | 1,903 |
| Salaries and employee benefits | $3,432,000 | 1,932 |
| Premises and equipment expense | $727,000 | 2,710 |
| Additional noninterest expense | $3,155,000 | 1,630 |
| Pre-tax net operating income | $3,786,000 | 1,951 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $1,111,000 | 2,171 |
| Income before extraordinary items | $2,670,000 | 1,878 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,670,000 | 1,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,035 |
| Cash dividends | $1,050,000 | 1,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,673,550 | 1,856 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,752,000 | 2,583 |
| Total interest expense | $3,672,000 | 3,320 |
| Net interest income | $8,080,000 | 2,235 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $1,245,000 | 2,663 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $665,000 | 2,036 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $580,000 | 2,652 |
| Total noninterest expense | $5,617,000 | 2,491 |
| Salaries and employee benefits | $1,901,000 | 3,442 |
| Premises and equipment expense | $412,000 | 4,468 |
| Additional noninterest expense | $3,304,000 | 1,667 |
| Pre-tax net operating income | $3,528,000 | 2,024 |
| Securities gains (losses) | $-273,000 | 12,082 |
| Applicable income taxes | $951,000 | 2,347 |
| Income before extraordinary items | $2,304,000 | 2,113 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,304,000 | 2,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,325 |
| Cash dividends | $1,985,000 | 1,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,497,830 | 1,960 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,190,000 | 2,772 |
| Total interest expense | $3,864,000 | 3,265 |
| Net interest income | $7,326,000 | 2,444 |
| Provision for loan and lease losses | $253,000 | 3,355 |
| Total noninterest income | $1,287,000 | 2,761 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $630,000 | 2,176 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $657,000 | 2,710 |
| Total noninterest expense | $5,308,000 | 2,698 |
| Salaries and employee benefits | $2,004,000 | 3,280 |
| Premises and equipment expense | $512,000 | 3,782 |
| Additional noninterest expense | $2,792,000 | 2,024 |
| Pre-tax net operating income | $3,052,000 | 2,235 |
| Securities gains (losses) | $141,000 | 2,056 |
| Applicable income taxes | $949,000 | 2,389 |
| Income before extraordinary items | $2,244,000 | 2,232 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,244,000 | 2,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 3,602 |
| Cash dividends | $1,900,000 | 1,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,145,300 | 2,191 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,930,000 | 2,939 |
| Total interest expense | $4,740,000 | 3,462 |
| Net interest income | $7,190,000 | 2,531 |
| Provision for loan and lease losses | $520,000 | 2,905 |
| Total noninterest income | $1,121,000 | 3,012 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $628,000 | 2,163 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $493,000 | 3,224 |
| Total noninterest expense | $4,915,000 | 2,907 |
| Salaries and employee benefits | $1,773,000 | 3,608 |
| Premises and equipment expense | $491,000 | 4,038 |
| Additional noninterest expense | $2,651,000 | 2,218 |
| Pre-tax net operating income | $2,876,000 | 2,161 |
| Securities gains (losses) | $96,000 | 3,079 |
| Applicable income taxes | $882,000 | 2,365 |
| Income before extraordinary items | $2,090,000 | 2,195 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,090,000 | 2,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 3,967 |
| Cash dividends | $1,610,000 | 1,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,022,800 | 2,091 |
* 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.