Home > Indian River National Bank > Income and Expense
Indian River National Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,238,000 | 2,374 |
| Total interest expense | $1,707,000 | 2,570 |
| Net interest income | $2,531,000 | 2,185 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $441,000 | 2,431 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $223,000 | 1,900 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $218,000 | 2,449 |
| Total noninterest expense | $1,631,000 | 2,835 |
| Salaries and employee benefits | $967,000 | 2,660 |
| Premises and equipment expense | $240,000 | 2,743 |
| Additional noninterest expense | $424,000 | 3,134 |
| Pre-tax net operating income | $1,341,000 | 1,399 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $437,000 | 1,121 |
| Income before extraordinary items | $904,000 | 1,645 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $904,000 | 1,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,268,000 | 218 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $904,000 | 1,588 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $49,786,000 | 839 |
| Total interest expense | $24,102,000 | 816 |
| Net interest income | $25,684,000 | 851 |
| Provision for loan and lease losses | $4,307,000 | 468 |
| Total noninterest income | $4,911,000 | 1,122 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,295,000 | 769 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,616,000 | 1,120 |
| Total noninterest expense | $17,730,000 | 1,057 |
| Salaries and employee benefits | $9,814,000 | 1,026 |
| Premises and equipment expense | $2,235,000 | 1,176 |
| Additional noninterest expense | $5,681,000 | 999 |
| Pre-tax net operating income | $8,558,000 | 991 |
| Securities gains (losses) | $-52,000 | 8,021 |
| Applicable income taxes | $2,462,000 | 940 |
| Income before extraordinary items | $6,044,000 | 1,073 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,044,000 | 1,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,864,000 | 647 |
| Cash dividends | $7,000,000 | 553 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,080,920 | 1,053 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $37,669,000 | 834 |
| Total interest expense | $18,221,000 | 810 |
| Net interest income | $19,448,000 | 840 |
| Provision for loan and lease losses | $1,257,000 | 735 |
| Total noninterest income | $3,655,000 | 1,120 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,706,000 | 765 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,949,000 | 1,142 |
| Total noninterest expense | $13,038,000 | 1,068 |
| Salaries and employee benefits | $7,104,000 | 1,060 |
| Premises and equipment expense | $1,737,000 | 1,144 |
| Additional noninterest expense | $4,197,000 | 987 |
| Pre-tax net operating income | $8,808,000 | 781 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,780,000 | 742 |
| Income before extraordinary items | $6,028,000 | 869 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,028,000 | 867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $487,000 | 1,097 |
| Cash dividends | $5,250,000 | 550 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $6,028,000 | 859 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $25,128,000 | 839 |
| Total interest expense | $11,958,000 | 824 |
| Net interest income | $13,170,000 | 846 |
| Provision for loan and lease losses | $187,000 | 2,266 |
| Total noninterest income | $2,506,000 | 1,117 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,115,000 | 797 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,391,000 | 1,112 |
| Total noninterest expense | $8,806,000 | 1,072 |
| Salaries and employee benefits | $4,795,000 | 1,066 |
| Premises and equipment expense | $1,193,000 | 1,123 |
| Additional noninterest expense | $2,818,000 | 989 |
| Pre-tax net operating income | $6,683,000 | 736 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,164,000 | 688 |
| Income before extraordinary items | $4,519,000 | 803 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,519,000 | 802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,952 |
| Cash dividends | $3,500,000 | 566 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,519,000 | 792 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,551,000 | 831 |
| Total interest expense | $5,915,000 | 828 |
| Net interest income | $6,636,000 | 842 |
| Provision for loan and lease losses | $153,000 | 1,414 |
| Total noninterest income | $1,194,000 | 1,141 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $547,000 | 779 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $647,000 | 1,133 |
| Total noninterest expense | $4,390,000 | 1,072 |
| Salaries and employee benefits | $2,434,000 | 1,054 |
| Premises and equipment expense | $563,000 | 1,198 |
| Additional noninterest expense | $1,393,000 | 979 |
| Pre-tax net operating income | $3,287,000 | 739 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,058,000 | 699 |
| Income before extraordinary items | $2,229,000 | 805 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,229,000 | 804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,471 |
| Cash dividends | $1,750,000 | 513 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,229,000 | 795 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $46,856,000 | 815 |
| Total interest expense | $19,356,000 | 860 |
| Net interest income | $27,500,000 | 807 |
| Provision for loan and lease losses | $445,000 | 2,096 |
| Total noninterest income | $6,179,000 | 918 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,324,000 | 764 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,855,000 | 836 |
| Total noninterest expense | $17,554,000 | 1,023 |
| Salaries and employee benefits | $9,570,000 | 1,007 |
| Premises and equipment expense | $2,176,000 | 1,177 |
| Additional noninterest expense | $5,808,000 | 915 |
| Pre-tax net operating income | $15,680,000 | 659 |
| Securities gains (losses) | $-1,250,000 | 8,592 |
| Applicable income taxes | $4,798,000 | 656 |
| Income before extraordinary items | $9,632,000 | 772 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,632,000 | 771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,914 |
| Cash dividends | $12,750,000 | 324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $10,469,500 | 699 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $34,429,000 | 831 |
| Total interest expense | $13,712,000 | 889 |
| Net interest income | $20,717,000 | 815 |
| Provision for loan and lease losses | $285,000 | 2,250 |
| Total noninterest income | $4,930,000 | 888 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,738,000 | 768 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,192,000 | 775 |
| Total noninterest expense | $13,323,000 | 1,017 |
| Salaries and employee benefits | $7,366,000 | 991 |
| Premises and equipment expense | $1,619,000 | 1,199 |
| Additional noninterest expense | $4,338,000 | 916 |
| Pre-tax net operating income | $12,039,000 | 673 |
| Securities gains (losses) | $-1,250,000 | 8,685 |
| Applicable income taxes | $3,603,000 | 685 |
| Income before extraordinary items | $7,186,000 | 815 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,186,000 | 814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $4,750,000 | 545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $8,023,500 | 725 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $22,203,000 | 842 |
| Total interest expense | $8,405,000 | 921 |
| Net interest income | $13,798,000 | 822 |
| Provision for loan and lease losses | $135,000 | 2,822 |
| Total noninterest income | $3,719,000 | 801 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,118,000 | 785 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,601,000 | 657 |
| Total noninterest expense | $8,985,000 | 1,005 |
| Salaries and employee benefits | $4,984,000 | 984 |
| Premises and equipment expense | $1,063,000 | 1,219 |
| Additional noninterest expense | $2,938,000 | 908 |
| Pre-tax net operating income | $8,397,000 | 642 |
| Securities gains (losses) | $-1,250,000 | 8,739 |
| Applicable income taxes | $2,406,000 | 692 |
| Income before extraordinary items | $4,741,000 | 823 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,741,000 | 823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $2,500,000 | 671 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,566,000 | 692 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,769,000 | 851 |
| Total interest expense | $3,925,000 | 929 |
| Net interest income | $6,844,000 | 823 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $1,890,000 | 773 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $643,000 | 645 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,247,000 | 683 |
| Total noninterest expense | $4,474,000 | 1,011 |
| Salaries and employee benefits | $2,504,000 | 986 |
| Premises and equipment expense | $528,000 | 1,229 |
| Additional noninterest expense | $1,442,000 | 923 |
| Pre-tax net operating income | $4,185,000 | 644 |
| Securities gains (losses) | $-734,000 | 8,761 |
| Applicable income taxes | $1,171,000 | 708 |
| Income before extraordinary items | $2,280,000 | 837 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,280,000 | 836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $1,250,000 | 628 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,764,440 | 684 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $38,640,000 | 844 |
| Total interest expense | $11,394,000 | 980 |
| Net interest income | $27,246,000 | 771 |
| Provision for loan and lease losses | $1,005,000 | 1,035 |
| Total noninterest income | $4,948,000 | 1,096 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,530,000 | 692 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,418,000 | 1,186 |
| Total noninterest expense | $17,625,000 | 966 |
| Salaries and employee benefits | $9,481,000 | 964 |
| Premises and equipment expense | $2,141,000 | 1,140 |
| Additional noninterest expense | $6,003,000 | 855 |
| Pre-tax net operating income | $13,564,000 | 724 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,513,000 | 700 |
| Income before extraordinary items | $9,051,000 | 796 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $9,051,000 | 798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,989 |
| Cash dividends | $2,550,000 | 1,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $9,051,000 | 783 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $28,119,000 | 844 |
| Total interest expense | $7,878,000 | 1,000 |
| Net interest income | $20,241,000 | 773 |
| Provision for loan and lease losses | $715,000 | 1,041 |
| Total noninterest income | $3,748,000 | 1,098 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,861,000 | 700 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,887,000 | 1,172 |
| Total noninterest expense | $13,175,000 | 958 |
| Salaries and employee benefits | $7,118,000 | 950 |
| Premises and equipment expense | $1,609,000 | 1,119 |
| Additional noninterest expense | $4,448,000 | 860 |
| Pre-tax net operating income | $10,099,000 | 732 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,380,000 | 705 |
| Income before extraordinary items | $6,719,000 | 796 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,719,000 | 797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $1,800,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,719,000 | 782 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,909,000 | 866 |
| Total interest expense | $4,717,000 | 1,059 |
| Net interest income | $13,192,000 | 787 |
| Provision for loan and lease losses | $335,000 | 1,382 |
| Total noninterest income | $2,461,000 | 1,090 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,213,000 | 693 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,248,000 | 1,143 |
| Total noninterest expense | $8,814,000 | 947 |
| Salaries and employee benefits | $4,735,000 | 947 |
| Premises and equipment expense | $1,066,000 | 1,121 |
| Additional noninterest expense | $3,013,000 | 842 |
| Pre-tax net operating income | $6,504,000 | 746 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,173,000 | 720 |
| Income before extraordinary items | $4,331,000 | 819 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,331,000 | 819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,846 |
| Cash dividends | $1,200,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,331,000 | 805 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,558,000 | 890 |
| Total interest expense | $2,133,000 | 1,096 |
| Net interest income | $6,425,000 | 808 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $1,060,000 | 1,196 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $569,000 | 719 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $491,000 | 1,336 |
| Total noninterest expense | $4,345,000 | 963 |
| Salaries and employee benefits | $2,316,000 | 963 |
| Premises and equipment expense | $533,000 | 1,128 |
| Additional noninterest expense | $1,496,000 | 835 |
| Pre-tax net operating income | $3,050,000 | 783 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,017,000 | 758 |
| Income before extraordinary items | $2,033,000 | 853 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,033,000 | 854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $575,000 | 1,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,033,000 | 834 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $25,578,000 | 1,110 |
| Total interest expense | $6,324,000 | 1,306 |
| Net interest income | $19,254,000 | 1,034 |
| Provision for loan and lease losses | $225,000 | 3,491 |
| Total noninterest income | $3,595,000 | 1,393 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,092,000 | 828 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,503,000 | 1,633 |
| Total noninterest expense | $12,571,000 | 1,305 |
| Salaries and employee benefits | $6,292,000 | 1,409 |
| Premises and equipment expense | $1,520,000 | 1,533 |
| Additional noninterest expense | $4,759,000 | 1,052 |
| Pre-tax net operating income | $10,053,000 | 881 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,615,000 | 774 |
| Income before extraordinary items | $6,438,000 | 1,028 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,438,000 | 1,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,010 |
| Cash dividends | $750,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,438,000 | 994 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,620,000 | 1,180 |
| Total interest expense | $4,360,000 | 1,384 |
| Net interest income | $13,260,000 | 1,120 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $2,646,000 | 1,426 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,526,000 | 858 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,120,000 | 1,634 |
| Total noninterest expense | $8,903,000 | 1,376 |
| Salaries and employee benefits | $4,536,000 | 1,460 |
| Premises and equipment expense | $1,109,000 | 1,573 |
| Additional noninterest expense | $3,258,000 | 1,125 |
| Pre-tax net operating income | $6,883,000 | 961 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,572,000 | 830 |
| Income before extraordinary items | $4,311,000 | 1,144 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,311,000 | 1,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,844 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,311,000 | 1,106 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,896,000 | 1,412 |
| Total interest expense | $2,467,000 | 1,612 |
| Net interest income | $7,429,000 | 1,336 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $1,634,000 | 1,497 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $879,000 | 1,001 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $755,000 | 1,617 |
| Total noninterest expense | $5,191,000 | 1,558 |
| Salaries and employee benefits | $2,637,000 | 1,671 |
| Premises and equipment expense | $630,000 | 1,825 |
| Additional noninterest expense | $1,924,000 | 1,263 |
| Pre-tax net operating income | $3,772,000 | 1,144 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,408,000 | 967 |
| Income before extraordinary items | $2,364,000 | 1,367 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,364,000 | 1,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,364,000 | 1,317 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,514,000 | 2,773 |
| Total interest expense | $648,000 | 2,938 |
| Net interest income | $1,866,000 | 2,653 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $410,000 | 2,491 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $216,000 | 1,940 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $194,000 | 2,516 |
| Total noninterest expense | $1,318,000 | 2,943 |
| Salaries and employee benefits | $701,000 | 3,028 |
| Premises and equipment expense | $165,000 | 3,314 |
| Additional noninterest expense | $452,000 | 2,598 |
| Pre-tax net operating income | $933,000 | 2,135 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $347,000 | 1,737 |
| Income before extraordinary items | $586,000 | 2,559 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $586,000 | 2,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $586,000 | 2,470 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $25,582,000 | 1,114 |
| Total interest expense | $8,003,000 | 1,123 |
| Net interest income | $17,579,000 | 1,098 |
| Provision for loan and lease losses | $780,000 | 1,488 |
| Total noninterest income | $5,618,000 | 1,040 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,461,000 | 699 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,157,000 | 1,046 |
| Total noninterest expense | $14,581,000 | 1,108 |
| Salaries and employee benefits | $7,761,000 | 1,084 |
| Premises and equipment expense | $1,775,000 | 1,283 |
| Additional noninterest expense | $5,045,000 | 1,010 |
| Pre-tax net operating income | $7,836,000 | 1,073 |
| Securities gains (losses) | $167,000 | 1,465 |
| Applicable income taxes | $2,996,000 | 924 |
| Income before extraordinary items | $5,007,000 | 1,284 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,007,000 | 1,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 2,300 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,900,120 | 1,236 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,742,000 | 1,162 |
| Total interest expense | $6,080,000 | 1,155 |
| Net interest income | $12,662,000 | 1,164 |
| Provision for loan and lease losses | $355,000 | 2,237 |
| Total noninterest income | $4,540,000 | 1,000 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,822,000 | 713 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,718,000 | 986 |
| Total noninterest expense | $10,822,000 | 1,128 |
| Salaries and employee benefits | $5,768,000 | 1,100 |
| Premises and equipment expense | $1,305,000 | 1,310 |
| Additional noninterest expense | $3,749,000 | 1,025 |
| Pre-tax net operating income | $6,025,000 | 1,076 |
| Securities gains (losses) | $167,000 | 1,343 |
| Applicable income taxes | $2,313,000 | 945 |
| Income before extraordinary items | $3,879,000 | 1,269 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,879,000 | 1,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,085 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,772,120 | 1,234 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,680,000 | 1,154 |
| Total interest expense | $4,122,000 | 1,161 |
| Net interest income | $8,558,000 | 1,145 |
| Provision for loan and lease losses | $265,000 | 2,048 |
| Total noninterest income | $2,984,000 | 1,005 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,171,000 | 730 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,813,000 | 981 |
| Total noninterest expense | $7,304,000 | 1,119 |
| Salaries and employee benefits | $3,861,000 | 1,099 |
| Premises and equipment expense | $854,000 | 1,340 |
| Additional noninterest expense | $2,589,000 | 975 |
| Pre-tax net operating income | $3,973,000 | 1,086 |
| Securities gains (losses) | $167,000 | 1,158 |
| Applicable income taxes | $1,548,000 | 967 |
| Income before extraordinary items | $2,592,000 | 1,272 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,592,000 | 1,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 1,819 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,485,120 | 1,239 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,327,000 | 1,164 |
| Total interest expense | $2,010,000 | 1,214 |
| Net interest income | $4,317,000 | 1,138 |
| Provision for loan and lease losses | $175,000 | 1,516 |
| Total noninterest income | $1,401,000 | 1,026 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $570,000 | 732 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $831,000 | 1,019 |
| Total noninterest expense | $3,555,000 | 1,129 |
| Salaries and employee benefits | $1,871,000 | 1,128 |
| Premises and equipment expense | $400,000 | 1,451 |
| Additional noninterest expense | $1,284,000 | 960 |
| Pre-tax net operating income | $1,988,000 | 1,091 |
| Securities gains (losses) | $147,000 | 808 |
| Applicable income taxes | $798,000 | 961 |
| Income before extraordinary items | $1,337,000 | 1,236 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,337,000 | 1,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,727 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,242,920 | 1,242 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $26,361,000 | 1,164 |
| Total interest expense | $9,098,000 | 1,236 |
| Net interest income | $17,263,000 | 1,114 |
| Provision for loan and lease losses | $620,000 | 2,007 |
| Total noninterest income | $4,290,000 | 1,187 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,878,000 | 857 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,412,000 | 1,154 |
| Total noninterest expense | $12,690,000 | 1,203 |
| Salaries and employee benefits | $6,724,000 | 1,196 |
| Premises and equipment expense | $1,468,000 | 1,514 |
| Additional noninterest expense | $4,498,000 | 1,102 |
| Pre-tax net operating income | $8,243,000 | 1,023 |
| Securities gains (losses) | $813,000 | 487 |
| Applicable income taxes | $3,399,000 | 831 |
| Income before extraordinary items | $5,657,000 | 1,109 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,657,000 | 1,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 3,173 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,136,680 | 1,171 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $26,615,000 | 1,287 |
| Total interest expense | $12,697,000 | 1,286 |
| Net interest income | $13,918,000 | 1,277 |
| Provision for loan and lease losses | $600,000 | 1,892 |
| Total noninterest income | $3,842,000 | 1,216 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,638,000 | 899 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,204,000 | 1,157 |
| Total noninterest expense | $11,106,000 | 1,311 |
| Salaries and employee benefits | $5,650,000 | 1,309 |
| Premises and equipment expense | $1,388,000 | 1,546 |
| Additional noninterest expense | $4,068,000 | 1,176 |
| Pre-tax net operating income | $6,054,000 | 1,239 |
| Securities gains (losses) | $222,000 | 1,111 |
| Applicable income taxes | $2,293,000 | 1,051 |
| Income before extraordinary items | $3,983,000 | 1,375 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,983,000 | 1,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,613 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,840,920 | 1,353 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,514,000 | 1,422 |
| Total interest expense | $12,376,000 | 1,400 |
| Net interest income | $12,138,000 | 1,445 |
| Provision for loan and lease losses | $660,000 | 1,482 |
| Total noninterest income | $2,612,000 | 1,528 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,304,000 | 1,033 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,308,000 | 1,552 |
| Total noninterest expense | $9,746,000 | 1,428 |
| Salaries and employee benefits | $5,100,000 | 1,388 |
| Premises and equipment expense | $1,481,000 | 1,399 |
| Additional noninterest expense | $3,165,000 | 1,415 |
| Pre-tax net operating income | $4,344,000 | 1,688 |
| Securities gains (losses) | $13,000 | 1,082 |
| Applicable income taxes | $1,540,000 | 1,475 |
| Income before extraordinary items | $2,817,000 | 1,850 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,817,000 | 1,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,407 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,808,550 | 1,856 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,425,000 | 1,763 |
| Total interest expense | $7,901,000 | 1,902 |
| Net interest income | $10,524,000 | 1,659 |
| Provision for loan and lease losses | $590,000 | 1,545 |
| Total noninterest income | $2,451,000 | 1,594 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,096,000 | 1,211 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,355,000 | 1,501 |
| Total noninterest expense | $9,160,000 | 1,517 |
| Salaries and employee benefits | $4,705,000 | 1,461 |
| Premises and equipment expense | $1,265,000 | 1,615 |
| Additional noninterest expense | $3,190,000 | 1,445 |
| Pre-tax net operating income | $3,225,000 | 2,256 |
| Securities gains (losses) | $76,000 | 842 |
| Applicable income taxes | $1,197,000 | 1,929 |
| Income before extraordinary items | $2,104,000 | 2,463 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,104,000 | 2,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,424 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,055,360 | 2,485 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,009,000 | 2,035 |
| Total interest expense | $6,998,000 | 2,167 |
| Net interest income | $9,011,000 | 1,899 |
| Provision for loan and lease losses | $375,000 | 2,169 |
| Total noninterest income | $2,079,000 | 1,778 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $968,000 | 1,290 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,111,000 | 1,718 |
| Total noninterest expense | $7,356,000 | 1,775 |
| Salaries and employee benefits | $3,653,000 | 1,831 |
| Premises and equipment expense | $1,048,000 | 1,889 |
| Additional noninterest expense | $2,655,000 | 1,618 |
| Pre-tax net operating income | $3,359,000 | 2,146 |
| Securities gains (losses) | $143,000 | 1,073 |
| Applicable income taxes | $1,282,000 | 1,875 |
| Income before extraordinary items | $2,220,000 | 2,324 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,220,000 | 2,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,558 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,128,480 | 2,338 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,819,000 | 2,368 |
| Total interest expense | $6,168,000 | 2,435 |
| Net interest income | $7,651,000 | 2,295 |
| Provision for loan and lease losses | $385,000 | 2,165 |
| Total noninterest income | $1,324,000 | 2,427 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,046,000 | 1,210 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $278,000 | 4,098 |
| Total noninterest expense | $5,269,000 | 2,446 |
| Salaries and employee benefits | $2,761,000 | 2,406 |
| Premises and equipment expense | $895,000 | 2,189 |
| Additional noninterest expense | $1,613,000 | 2,547 |
| Pre-tax net operating income | $3,321,000 | 2,275 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,228,000 | 2,033 |
| Income before extraordinary items | $2,093,000 | 2,488 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,093,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 2,121 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,093,000 | 2,427 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,621,000 | 2,841 |
| Total interest expense | $4,994,000 | 3,005 |
| Net interest income | $6,627,000 | 2,667 |
| Provision for loan and lease losses | $415,000 | 2,030 |
| Total noninterest income | $1,303,000 | 2,538 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,100,000 | 1,210 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $203,000 | 5,117 |
| Total noninterest expense | $4,486,000 | 3,024 |
| Salaries and employee benefits | $2,461,000 | 2,742 |
| Premises and equipment expense | $615,000 | 3,130 |
| Additional noninterest expense | $1,410,000 | 3,291 |
| Pre-tax net operating income | $3,029,000 | 2,355 |
| Securities gains (losses) | $-10,000 | 10,276 |
| Applicable income taxes | $1,109,000 | 2,146 |
| Income before extraordinary items | $1,910,000 | 2,547 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,910,000 | 2,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 2,193 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,916,400 | 2,497 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,480,000 | 3,168 |
| Total interest expense | $4,789,000 | 3,140 |
| Net interest income | $5,691,000 | 3,128 |
| Provision for loan and lease losses | $445,000 | 1,729 |
| Total noninterest income | $1,320,000 | 2,513 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,124,000 | 1,188 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $196,000 | 5,191 |
| Total noninterest expense | $4,289,000 | 3,122 |
| Salaries and employee benefits | $2,244,000 | 2,968 |
| Premises and equipment expense | $581,000 | 3,293 |
| Additional noninterest expense | $1,464,000 | 3,155 |
| Pre-tax net operating income | $2,277,000 | 3,114 |
| Securities gains (losses) | $-56,000 | 11,232 |
| Applicable income taxes | $797,000 | 2,879 |
| Income before extraordinary items | $1,424,000 | 3,404 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,424,000 | 3,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,643 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,459,840 | 3,301 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,670,000 | 3,455 |
| Total interest expense | $3,597,000 | 3,369 |
| Net interest income | $5,073,000 | 3,509 |
| Provision for loan and lease losses | $255,000 | 2,547 |
| Total noninterest income | $1,050,000 | 3,004 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $876,000 | 1,547 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,742 |
| Total noninterest expense | $4,218,000 | 3,251 |
| Salaries and employee benefits | $2,061,000 | 3,194 |
| Premises and equipment expense | $586,000 | 3,341 |
| Additional noninterest expense | $1,571,000 | 3,174 |
| Pre-tax net operating income | $1,650,000 | 4,060 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $584,000 | 3,592 |
| Income before extraordinary items | $1,066,000 | 4,289 |
| Extraordinary gains, net | $12,000 | 216 |
| Net income | $1,078,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,208 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,066,000 | 4,338 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,189,000 | 4,213 |
| Total interest expense | $2,533,000 | 4,752 |
| Net interest income | $4,656,000 | 3,810 |
| Provision for loan and lease losses | $350,000 | 2,706 |
| Total noninterest income | $947,000 | 3,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $779,000 | 1,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 6,201 |
| Total noninterest expense | $3,767,000 | 3,676 |
| Salaries and employee benefits | $1,787,000 | 3,630 |
| Premises and equipment expense | $530,000 | 3,684 |
| Additional noninterest expense | $1,450,000 | 3,608 |
| Pre-tax net operating income | $1,486,000 | 4,355 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $532,000 | 3,966 |
| Income before extraordinary items | $954,000 | 4,864 |
| Extraordinary gains, net | $79,000 | 1,804 |
| Net income | $1,033,000 | 4,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 7,294 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $954,000 | 4,635 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,050,000 | 5,450 |
| Total interest expense | $2,128,000 | 6,795 |
| Net interest income | $3,922,000 | 4,528 |
| Provision for loan and lease losses | $400,000 | 3,453 |
| Total noninterest income | $664,000 | 4,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $546,000 | 2,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 7,510 |
| Total noninterest expense | $2,948,000 | 4,611 |
| Salaries and employee benefits | $1,408,000 | 4,473 |
| Premises and equipment expense | $426,000 | 4,563 |
| Additional noninterest expense | $1,114,000 | 4,638 |
| Pre-tax net operating income | $1,238,000 | 4,799 |
| Securities gains (losses) | $34,000 | 4,785 |
| Applicable income taxes | $527,000 | 3,823 |
| Income before extraordinary items | $745,000 | 5,657 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $745,000 | 5,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 3,718 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $723,240 | 5,446 |
* 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.