Home > Iron and Glass Bank > Income and Expense
Iron and Glass Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,770,000 | 2,241 |
| Total interest expense | $3,701,000 | 2,253 |
| Net interest income | $5,069,000 | 2,187 |
| Provision for loan and lease losses | $120,000 | 3,966 |
| Total noninterest income | $644,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $507,000 | 1,740 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $137,000 | 4,462 |
| Total noninterest expense | $4,375,000 | 2,191 |
| Salaries and employee benefits | $1,929,000 | 2,655 |
| Premises and equipment expense | $517,000 | 2,566 |
| Additional noninterest expense | $1,929,000 | 1,526 |
| Pre-tax net operating income | $1,218,000 | 2,562 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $297,000 | 2,225 |
| Income before extraordinary items | $921,000 | 2,755 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $921,000 | 2,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,619 |
| Cash dividends | $676,000 | 1,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $921,000 | 2,701 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,499,000 | 2,240 |
| Total interest expense | $1,918,000 | 2,318 |
| Net interest income | $2,581,000 | 2,143 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $327,000 | 2,960 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $255,000 | 1,706 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $72,000 | 4,378 |
| Total noninterest expense | $2,019,000 | 2,344 |
| Salaries and employee benefits | $934,000 | 2,737 |
| Premises and equipment expense | $286,000 | 2,362 |
| Additional noninterest expense | $799,000 | 1,779 |
| Pre-tax net operating income | $829,000 | 2,076 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $223,000 | 1,828 |
| Income before extraordinary items | $606,000 | 2,294 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $606,000 | 2,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 964 |
| Cash dividends | $335,000 | 1,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $606,000 | 2,221 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,155,000 | 2,265 |
| Total interest expense | $7,665,000 | 2,412 |
| Net interest income | $10,490,000 | 2,161 |
| Provision for loan and lease losses | $25,000 | 6,187 |
| Total noninterest income | $1,386,000 | 2,846 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,104,000 | 1,622 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $282,000 | 4,356 |
| Total noninterest expense | $6,868,000 | 2,637 |
| Salaries and employee benefits | $3,589,000 | 2,737 |
| Premises and equipment expense | $995,000 | 2,581 |
| Additional noninterest expense | $2,284,000 | 2,363 |
| Pre-tax net operating income | $4,983,000 | 1,644 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,377,000 | 1,498 |
| Income before extraordinary items | $3,606,000 | 1,752 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,606,000 | 1,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,306 |
| Cash dividends | $1,352,000 | 2,164 |
| Sale, conversion, retirement of capital stock, net | $-198,000 | 8,457 |
| Net operating income | $3,606,000 | 1,737 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,599,000 | 2,286 |
| Total interest expense | $5,661,000 | 2,446 |
| Net interest income | $7,938,000 | 2,151 |
| Provision for loan and lease losses | $160,000 | 3,381 |
| Total noninterest income | $1,060,000 | 2,798 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $843,000 | 1,562 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $217,000 | 4,335 |
| Total noninterest expense | $5,181,000 | 2,602 |
| Salaries and employee benefits | $2,708,000 | 2,714 |
| Premises and equipment expense | $756,000 | 2,547 |
| Additional noninterest expense | $1,717,000 | 2,314 |
| Pre-tax net operating income | $3,657,000 | 1,792 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,005,000 | 1,638 |
| Income before extraordinary items | $2,652,000 | 1,904 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,652,000 | 1,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,761 |
| Cash dividends | $983,000 | 2,044 |
| Sale, conversion, retirement of capital stock, net | $-198,000 | 8,500 |
| Net operating income | $2,652,000 | 1,890 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,007,000 | 2,311 |
| Total interest expense | $3,734,000 | 2,463 |
| Net interest income | $5,273,000 | 2,189 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $706,000 | 2,818 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $561,000 | 1,566 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $145,000 | 4,376 |
| Total noninterest expense | $3,491,000 | 2,610 |
| Salaries and employee benefits | $1,811,000 | 2,744 |
| Premises and equipment expense | $518,000 | 2,496 |
| Additional noninterest expense | $1,162,000 | 2,286 |
| Pre-tax net operating income | $2,368,000 | 1,891 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $652,000 | 1,742 |
| Income before extraordinary items | $1,716,000 | 2,003 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,716,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,577 |
| Cash dividends | $649,000 | 2,074 |
| Sale, conversion, retirement of capital stock, net | $-102,000 | 8,558 |
| Net operating income | $1,716,000 | 1,981 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,523,000 | 2,291 |
| Total interest expense | $1,882,000 | 2,432 |
| Net interest income | $2,641,000 | 2,186 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $345,000 | 2,837 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $275,000 | 1,556 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $70,000 | 4,459 |
| Total noninterest expense | $1,760,000 | 2,599 |
| Salaries and employee benefits | $924,000 | 2,731 |
| Premises and equipment expense | $271,000 | 2,403 |
| Additional noninterest expense | $565,000 | 2,325 |
| Pre-tax net operating income | $1,166,000 | 1,909 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $320,000 | 1,779 |
| Income before extraordinary items | $846,000 | 1,965 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $846,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,557 |
| Cash dividends | $313,000 | 1,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $846,000 | 1,956 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,950,000 | 2,180 |
| Total interest expense | $6,844,000 | 2,330 |
| Net interest income | $11,106,000 | 2,091 |
| Provision for loan and lease losses | $325,000 | 2,629 |
| Total noninterest income | $1,345,000 | 2,908 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,096,000 | 1,618 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $249,000 | 4,657 |
| Total noninterest expense | $7,010,000 | 2,506 |
| Salaries and employee benefits | $3,724,000 | 2,605 |
| Premises and equipment expense | $998,000 | 2,483 |
| Additional noninterest expense | $2,288,000 | 2,274 |
| Pre-tax net operating income | $5,116,000 | 1,837 |
| Securities gains (losses) | $136,000 | 472 |
| Applicable income taxes | $1,424,000 | 1,750 |
| Income before extraordinary items | $3,828,000 | 1,863 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,828,000 | 1,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,511 |
| Cash dividends | $1,135,000 | 2,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,728,720 | 1,890 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,255,000 | 2,206 |
| Total interest expense | $4,945,000 | 2,338 |
| Net interest income | $8,310,000 | 2,113 |
| Provision for loan and lease losses | $220,000 | 2,716 |
| Total noninterest income | $990,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $811,000 | 1,639 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $179,000 | 4,770 |
| Total noninterest expense | $5,340,000 | 2,465 |
| Salaries and employee benefits | $2,799,000 | 2,603 |
| Premises and equipment expense | $762,000 | 2,436 |
| Additional noninterest expense | $1,779,000 | 2,195 |
| Pre-tax net operating income | $3,740,000 | 1,945 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,014,000 | 1,864 |
| Income before extraordinary items | $2,726,000 | 1,994 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,726,000 | 1,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,430 |
| Cash dividends | $789,000 | 2,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,726,000 | 1,987 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,713,000 | 2,203 |
| Total interest expense | $3,220,000 | 2,294 |
| Net interest income | $5,493,000 | 2,128 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $667,000 | 2,918 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $528,000 | 1,665 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $139,000 | 4,445 |
| Total noninterest expense | $3,593,000 | 2,461 |
| Salaries and employee benefits | $1,879,000 | 2,574 |
| Premises and equipment expense | $518,000 | 2,393 |
| Additional noninterest expense | $1,196,000 | 2,181 |
| Pre-tax net operating income | $2,417,000 | 2,013 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $676,000 | 1,885 |
| Income before extraordinary items | $1,741,000 | 2,069 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,741,000 | 2,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,697 |
| Cash dividends | $601,000 | 2,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,741,000 | 2,056 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,306,000 | 2,180 |
| Total interest expense | $1,568,000 | 2,244 |
| Net interest income | $2,738,000 | 2,122 |
| Provision for loan and lease losses | $80,000 | 2,332 |
| Total noninterest income | $325,000 | 2,924 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $243,000 | 1,737 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $82,000 | 4,095 |
| Total noninterest expense | $1,805,000 | 2,457 |
| Salaries and employee benefits | $940,000 | 2,588 |
| Premises and equipment expense | $275,000 | 2,270 |
| Additional noninterest expense | $590,000 | 2,191 |
| Pre-tax net operating income | $1,178,000 | 2,004 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $330,000 | 1,895 |
| Income before extraordinary items | $848,000 | 2,077 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $848,000 | 2,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,017 |
| Cash dividends | $289,000 | 2,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $848,000 | 2,067 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,859,000 | 1,986 |
| Total interest expense | $5,127,000 | 2,152 |
| Net interest income | $11,732,000 | 1,881 |
| Provision for loan and lease losses | $535,000 | 1,796 |
| Total noninterest income | $1,174,000 | 3,197 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $858,000 | 1,990 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $316,000 | 4,223 |
| Total noninterest expense | $7,114,000 | 2,356 |
| Salaries and employee benefits | $3,689,000 | 2,481 |
| Premises and equipment expense | $1,027,000 | 2,308 |
| Additional noninterest expense | $2,398,000 | 2,099 |
| Pre-tax net operating income | $5,257,000 | 1,781 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,353,000 | 1,835 |
| Income before extraordinary items | $3,904,000 | 1,770 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,904,000 | 1,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 1,524 |
| Cash dividends | $411,000 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,904,000 | 1,747 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,565,000 | 1,945 |
| Total interest expense | $3,705,000 | 2,114 |
| Net interest income | $8,860,000 | 1,847 |
| Provision for loan and lease losses | $440,000 | 1,593 |
| Total noninterest income | $923,000 | 3,086 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $651,000 | 1,968 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $272,000 | 3,974 |
| Total noninterest expense | $5,388,000 | 2,300 |
| Salaries and employee benefits | $2,789,000 | 2,416 |
| Premises and equipment expense | $782,000 | 2,267 |
| Additional noninterest expense | $1,817,000 | 2,053 |
| Pre-tax net operating income | $3,955,000 | 1,783 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $989,000 | 1,894 |
| Income before extraordinary items | $2,966,000 | 1,770 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,966,000 | 1,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,746 |
| Cash dividends | $88,000 | 4,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,966,000 | 1,743 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,350,000 | 1,905 |
| Total interest expense | $2,408,000 | 2,055 |
| Net interest income | $5,942,000 | 1,820 |
| Provision for loan and lease losses | $320,000 | 1,432 |
| Total noninterest income | $640,000 | 2,951 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $445,000 | 1,883 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $195,000 | 3,800 |
| Total noninterest expense | $3,655,000 | 2,247 |
| Salaries and employee benefits | $1,894,000 | 2,364 |
| Premises and equipment expense | $540,000 | 2,195 |
| Additional noninterest expense | $1,221,000 | 2,014 |
| Pre-tax net operating income | $2,607,000 | 1,768 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $746,000 | 1,710 |
| Income before extraordinary items | $1,861,000 | 1,833 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,861,000 | 1,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,653 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,861,000 | 1,799 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,114,000 | 1,885 |
| Total interest expense | $1,168,000 | 2,017 |
| Net interest income | $2,946,000 | 1,813 |
| Provision for loan and lease losses | $180,000 | 1,214 |
| Total noninterest income | $345,000 | 2,747 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $190,000 | 2,108 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $155,000 | 2,913 |
| Total noninterest expense | $1,864,000 | 2,221 |
| Salaries and employee benefits | $958,000 | 2,377 |
| Premises and equipment expense | $283,000 | 2,112 |
| Additional noninterest expense | $623,000 | 1,972 |
| Pre-tax net operating income | $1,247,000 | 1,816 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $358,000 | 1,739 |
| Income before extraordinary items | $889,000 | 1,911 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $889,000 | 1,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,469 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $889,000 | 1,874 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,570,000 | 1,727 |
| Total interest expense | $4,873,000 | 1,677 |
| Net interest income | $11,697,000 | 1,730 |
| Provision for loan and lease losses | $1,556,000 | 698 |
| Total noninterest income | $1,063,000 | 3,395 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $801,000 | 2,138 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $262,000 | 4,533 |
| Total noninterest expense | $6,810,000 | 2,352 |
| Salaries and employee benefits | $3,492,000 | 2,491 |
| Premises and equipment expense | $916,000 | 2,487 |
| Additional noninterest expense | $2,402,000 | 2,035 |
| Pre-tax net operating income | $4,394,000 | 1,889 |
| Securities gains (losses) | $331,000 | 595 |
| Applicable income taxes | $1,363,000 | 1,734 |
| Income before extraordinary items | $3,362,000 | 1,878 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,362,000 | 1,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,833,000 | 489 |
| Cash dividends | $898,000 | 2,539 |
| Sale, conversion, retirement of capital stock, net | $-280,000 | 8,920 |
| Net operating income | $3,126,990 | 1,956 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,369,000 | 1,717 |
| Total interest expense | $3,677,000 | 1,641 |
| Net interest income | $8,692,000 | 1,738 |
| Provision for loan and lease losses | $775,000 | 981 |
| Total noninterest income | $810,000 | 3,376 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $615,000 | 2,118 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $195,000 | 4,551 |
| Total noninterest expense | $5,180,000 | 2,297 |
| Salaries and employee benefits | $2,721,000 | 2,382 |
| Premises and equipment expense | $679,000 | 2,493 |
| Additional noninterest expense | $1,780,000 | 2,026 |
| Pre-tax net operating income | $3,547,000 | 1,788 |
| Securities gains (losses) | $308,000 | 586 |
| Applicable income taxes | $1,112,000 | 1,633 |
| Income before extraordinary items | $2,743,000 | 1,762 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,743,000 | 1,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $993,000 | 575 |
| Cash dividends | $599,000 | 2,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,524,320 | 1,839 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,175,000 | 1,722 |
| Total interest expense | $2,442,000 | 1,628 |
| Net interest income | $5,733,000 | 1,737 |
| Provision for loan and lease losses | $440,000 | 1,137 |
| Total noninterest income | $536,000 | 3,413 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $408,000 | 2,112 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $128,000 | 4,639 |
| Total noninterest expense | $3,430,000 | 2,316 |
| Salaries and employee benefits | $1,818,000 | 2,371 |
| Premises and equipment expense | $453,000 | 2,487 |
| Additional noninterest expense | $1,159,000 | 2,087 |
| Pre-tax net operating income | $2,399,000 | 1,753 |
| Securities gains (losses) | $141,000 | 819 |
| Applicable income taxes | $733,000 | 1,639 |
| Income before extraordinary items | $1,807,000 | 1,761 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,807,000 | 1,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,127 |
| Cash dividends | $331,000 | 2,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,706,890 | 1,793 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,043,000 | 1,739 |
| Total interest expense | $1,248,000 | 1,616 |
| Net interest income | $2,795,000 | 1,781 |
| Provision for loan and lease losses | $135,000 | 1,665 |
| Total noninterest income | $239,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $191,000 | 2,170 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $48,000 | 5,207 |
| Total noninterest expense | $1,706,000 | 2,333 |
| Salaries and employee benefits | $914,000 | 2,371 |
| Premises and equipment expense | $238,000 | 2,416 |
| Additional noninterest expense | $554,000 | 2,140 |
| Pre-tax net operating income | $1,193,000 | 1,728 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $342,000 | 1,755 |
| Income before extraordinary items | $851,000 | 1,833 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $851,000 | 1,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,425 |
| Cash dividends | $244,000 | 1,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $851,000 | 1,752 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,294,000 | 1,650 |
| Total interest expense | $5,785,000 | 1,541 |
| Net interest income | $11,509,000 | 1,687 |
| Provision for loan and lease losses | $690,000 | 1,639 |
| Total noninterest income | $1,017,000 | 3,693 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $741,000 | 2,253 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $276,000 | 4,669 |
| Total noninterest expense | $6,871,000 | 2,294 |
| Salaries and employee benefits | $3,616,000 | 2,346 |
| Premises and equipment expense | $935,000 | 2,402 |
| Additional noninterest expense | $2,320,000 | 2,077 |
| Pre-tax net operating income | $4,965,000 | 1,638 |
| Securities gains (losses) | $-3,000 | 8,643 |
| Applicable income taxes | $1,454,000 | 1,660 |
| Income before extraordinary items | $3,508,000 | 1,771 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,508,000 | 1,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 1,354 |
| Cash dividends | $814,000 | 2,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,510,130 | 1,685 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,170,000 | 1,655 |
| Total interest expense | $4,424,000 | 1,573 |
| Net interest income | $8,746,000 | 1,676 |
| Provision for loan and lease losses | $490,000 | 1,695 |
| Total noninterest income | $774,000 | 3,716 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $564,000 | 2,238 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $210,000 | 4,699 |
| Total noninterest expense | $5,289,000 | 2,229 |
| Salaries and employee benefits | $2,738,000 | 2,317 |
| Premises and equipment expense | $703,000 | 2,401 |
| Additional noninterest expense | $1,848,000 | 1,933 |
| Pre-tax net operating income | $3,741,000 | 1,681 |
| Securities gains (losses) | $18,000 | 3,018 |
| Applicable income taxes | $1,104,000 | 1,710 |
| Income before extraordinary items | $2,655,000 | 1,822 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,655,000 | 1,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,562 |
| Cash dividends | $707,000 | 2,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,642,220 | 1,725 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,857,000 | 1,655 |
| Total interest expense | $3,001,000 | 1,609 |
| Net interest income | $5,856,000 | 1,664 |
| Provision for loan and lease losses | $340,000 | 1,634 |
| Total noninterest income | $527,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $374,000 | 2,212 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $153,000 | 4,540 |
| Total noninterest expense | $3,574,000 | 2,203 |
| Salaries and employee benefits | $1,834,000 | 2,300 |
| Premises and equipment expense | $474,000 | 2,365 |
| Additional noninterest expense | $1,266,000 | 1,896 |
| Pre-tax net operating income | $2,469,000 | 1,693 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $719,000 | 1,777 |
| Income before extraordinary items | $1,750,000 | 1,835 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,750,000 | 1,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,967 |
| Cash dividends | $464,000 | 2,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,750,000 | 1,717 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,375,000 | 1,690 |
| Total interest expense | $1,550,000 | 1,593 |
| Net interest income | $2,825,000 | 1,720 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $249,000 | 3,655 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $183,000 | 2,189 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 4,730 |
| Total noninterest expense | $1,755,000 | 2,226 |
| Salaries and employee benefits | $926,000 | 2,269 |
| Premises and equipment expense | $245,000 | 2,285 |
| Additional noninterest expense | $584,000 | 2,017 |
| Pre-tax net operating income | $1,199,000 | 1,753 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $349,000 | 1,825 |
| Income before extraordinary items | $850,000 | 1,855 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $850,000 | 1,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,468 |
| Cash dividends | $220,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $850,000 | 1,744 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,449,000 | 1,774 |
| Total interest expense | $6,875,000 | 1,660 |
| Net interest income | $10,574,000 | 1,837 |
| Provision for loan and lease losses | $620,000 | 2,007 |
| Total noninterest income | $1,098,000 | 3,270 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $766,000 | 2,080 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $332,000 | 4,044 |
| Total noninterest expense | $6,490,000 | 2,300 |
| Salaries and employee benefits | $3,378,000 | 2,364 |
| Premises and equipment expense | $916,000 | 2,366 |
| Additional noninterest expense | $2,196,000 | 2,111 |
| Pre-tax net operating income | $4,562,000 | 1,778 |
| Securities gains (losses) | $-40,000 | 9,059 |
| Applicable income taxes | $1,277,000 | 1,864 |
| Income before extraordinary items | $3,245,000 | 1,844 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,245,000 | 1,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $567,000 | 1,501 |
| Cash dividends | $1,187,000 | 1,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,273,800 | 1,765 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,372,000 | 1,967 |
| Total interest expense | $7,889,000 | 2,046 |
| Net interest income | $9,483,000 | 1,876 |
| Provision for loan and lease losses | $385,000 | 2,702 |
| Total noninterest income | $1,069,000 | 3,188 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $761,000 | 1,988 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $308,000 | 4,064 |
| Total noninterest expense | $6,141,000 | 2,324 |
| Salaries and employee benefits | $3,135,000 | 2,396 |
| Premises and equipment expense | $898,000 | 2,368 |
| Additional noninterest expense | $2,108,000 | 2,129 |
| Pre-tax net operating income | $4,026,000 | 1,769 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,080,000 | 1,963 |
| Income before extraordinary items | $2,946,000 | 1,787 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,946,000 | 1,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 2,124 |
| Cash dividends | $826,000 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $-194,000 | 9,516 |
| Net operating income | $2,946,000 | 1,716 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,601,000 | 2,122 |
| Total interest expense | $7,752,000 | 2,191 |
| Net interest income | $8,849,000 | 2,004 |
| Provision for loan and lease losses | $400,000 | 2,269 |
| Total noninterest income | $948,000 | 3,256 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $665,000 | 2,079 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $283,000 | 4,050 |
| Total noninterest expense | $5,693,000 | 2,401 |
| Salaries and employee benefits | $3,007,000 | 2,386 |
| Premises and equipment expense | $895,000 | 2,312 |
| Additional noninterest expense | $1,791,000 | 2,394 |
| Pre-tax net operating income | $3,704,000 | 1,975 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,002,000 | 2,112 |
| Income before extraordinary items | $2,702,000 | 1,932 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,702,000 | 1,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,643 |
| Cash dividends | $768,000 | 2,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,702,000 | 1,932 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,998,000 | 2,023 |
| Total interest expense | $7,361,000 | 2,025 |
| Net interest income | $8,637,000 | 2,049 |
| Provision for loan and lease losses | $403,000 | 2,090 |
| Total noninterest income | $827,000 | 3,537 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $618,000 | 2,148 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $209,000 | 4,843 |
| Total noninterest expense | $5,566,000 | 2,438 |
| Salaries and employee benefits | $2,834,000 | 2,475 |
| Premises and equipment expense | $912,000 | 2,233 |
| Additional noninterest expense | $1,820,000 | 2,397 |
| Pre-tax net operating income | $3,495,000 | 2,093 |
| Securities gains (losses) | $-103,000 | 9,956 |
| Applicable income taxes | $927,000 | 2,331 |
| Income before extraordinary items | $2,465,000 | 2,119 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,465,000 | 2,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,187 |
| Cash dividends | $708,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,540,190 | 2,041 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,179,000 | 2,149 |
| Total interest expense | $7,204,000 | 2,107 |
| Net interest income | $7,975,000 | 2,137 |
| Provision for loan and lease losses | $304,000 | 2,548 |
| Total noninterest income | $739,000 | 3,830 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $573,000 | 2,242 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $166,000 | 5,426 |
| Total noninterest expense | $5,337,000 | 2,432 |
| Salaries and employee benefits | $2,792,000 | 2,420 |
| Premises and equipment expense | $831,000 | 2,350 |
| Additional noninterest expense | $1,714,000 | 2,430 |
| Pre-tax net operating income | $3,073,000 | 2,319 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $843,000 | 2,611 |
| Income before extraordinary items | $2,231,000 | 2,311 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,231,000 | 2,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,527 |
| Cash dividends | $664,000 | 2,939 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,230,270 | 2,240 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,064,000 | 2,323 |
| Total interest expense | $6,152,000 | 2,442 |
| Net interest income | $7,912,000 | 2,216 |
| Provision for loan and lease losses | $432,000 | 1,979 |
| Total noninterest income | $579,000 | 4,522 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $464,000 | 2,822 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $115,000 | 6,392 |
| Total noninterest expense | $5,251,000 | 2,457 |
| Salaries and employee benefits | $2,642,000 | 2,516 |
| Premises and equipment expense | $865,000 | 2,277 |
| Additional noninterest expense | $1,744,000 | 2,372 |
| Pre-tax net operating income | $2,808,000 | 2,632 |
| Securities gains (losses) | $-17,000 | 10,300 |
| Applicable income taxes | $746,000 | 3,090 |
| Income before extraordinary items | $2,045,000 | 2,533 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,045,000 | 2,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $970,000 | 818 |
| Cash dividends | $600,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,057,410 | 2,468 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,239,000 | 2,522 |
| Total interest expense | $5,853,000 | 2,599 |
| Net interest income | $7,386,000 | 2,430 |
| Provision for loan and lease losses | $436,000 | 1,943 |
| Total noninterest income | $370,000 | 6,205 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $268,000 | 4,572 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $102,000 | 7,055 |
| Total noninterest expense | $4,916,000 | 2,781 |
| Salaries and employee benefits | $2,328,000 | 2,873 |
| Premises and equipment expense | $712,000 | 2,740 |
| Additional noninterest expense | $1,876,000 | 2,601 |
| Pre-tax net operating income | $2,404,000 | 2,876 |
| Securities gains (losses) | $79,000 | 1,069 |
| Applicable income taxes | $676,000 | 3,253 |
| Income before extraordinary items | $1,807,000 | 2,695 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,807,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,999 |
| Cash dividends | $552,000 | 3,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,749,330 | 2,738 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,463,000 | 2,905 |
| Total interest expense | $5,056,000 | 2,996 |
| Net interest income | $6,407,000 | 2,789 |
| Provision for loan and lease losses | $478,000 | 1,637 |
| Total noninterest income | $429,000 | 5,712 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $249,000 | 4,970 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $180,000 | 5,433 |
| Total noninterest expense | $4,866,000 | 2,784 |
| Salaries and employee benefits | $2,089,000 | 3,175 |
| Premises and equipment expense | $643,000 | 3,031 |
| Additional noninterest expense | $2,134,000 | 2,282 |
| Pre-tax net operating income | $1,492,000 | 4,472 |
| Securities gains (losses) | $165,000 | 748 |
| Applicable income taxes | $255,000 | 6,571 |
| Income before extraordinary items | $1,402,000 | 3,458 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,402,000 | 3,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $803,000 | 1,027 |
| Cash dividends | $516,000 | 3,243 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,261,750 | 3,760 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,564,000 | 3,163 |
| Total interest expense | $3,533,000 | 3,425 |
| Net interest income | $6,031,000 | 2,983 |
| Provision for loan and lease losses | $1,421,000 | 734 |
| Total noninterest income | $402,000 | 6,136 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $242,000 | 5,167 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $160,000 | 6,008 |
| Total noninterest expense | $4,563,000 | 3,020 |
| Salaries and employee benefits | $1,708,000 | 3,813 |
| Premises and equipment expense | $706,000 | 2,808 |
| Additional noninterest expense | $2,149,000 | 2,433 |
| Pre-tax net operating income | $449,000 | 9,001 |
| Securities gains (losses) | $69,000 | 968 |
| Applicable income taxes | $-64,000 | 12,249 |
| Income before extraordinary items | $582,000 | 6,682 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $582,000 | 6,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,331 |
| Cash dividends | $490,000 | 3,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $513,000 | 7,247 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,860,000 | 3,128 |
| Total interest expense | $3,701,000 | 3,406 |
| Net interest income | $6,159,000 | 2,956 |
| Provision for loan and lease losses | $348,000 | 2,728 |
| Total noninterest income | $373,000 | 6,771 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $253,000 | 5,067 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $120,000 | 7,302 |
| Total noninterest expense | $4,144,000 | 3,377 |
| Salaries and employee benefits | $1,689,000 | 3,841 |
| Premises and equipment expense | $613,000 | 3,261 |
| Additional noninterest expense | $1,842,000 | 2,929 |
| Pre-tax net operating income | $2,040,000 | 3,249 |
| Securities gains (losses) | $114,000 | 2,310 |
| Applicable income taxes | $522,000 | 4,031 |
| Income before extraordinary items | $1,632,000 | 2,993 |
| Extraordinary gains, net | $92,000 | 1,653 |
| Net income | $1,724,000 | 2,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 3,245 |
| Cash dividends | $462,000 | 3,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,545,360 | 2,975 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,519,000 | 3,324 |
| Total interest expense | $4,533,000 | 3,620 |
| Net interest income | $5,986,000 | 3,057 |
| Provision for loan and lease losses | $624,000 | 2,566 |
| Total noninterest income | $360,000 | 6,974 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $167,000 | 6,688 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $193,000 | 5,787 |
| Total noninterest expense | $4,167,000 | 3,377 |
| Salaries and employee benefits | $1,659,000 | 3,873 |
| Premises and equipment expense | $665,000 | 3,067 |
| Additional noninterest expense | $1,843,000 | 3,004 |
| Pre-tax net operating income | $1,555,000 | 3,922 |
| Securities gains (losses) | $65,000 | 3,702 |
| Applicable income taxes | $376,000 | 5,032 |
| Income before extraordinary items | $1,244,000 | 3,686 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,244,000 | 3,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $513,000 | 2,426 |
| Cash dividends | $450,000 | 3,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,193,950 | 3,548 |
* 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.