Home > Irwin Bank > Income and Expense
Irwin Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,442,000 | 876 |
| Total interest expense | $5,475,000 | 824 |
| Net interest income | $5,967,000 | 896 |
| Provision for loan and lease losses | $150,000 | 2,123 |
| Total noninterest income | $1,645,000 | 892 |
| Gross Fiduciary activities income | $134,000 | 593 |
| Service charges on deposit accounts | $934,000 | 446 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $577,000 | 1,268 |
| Total noninterest expense | $4,158,000 | 1,168 |
| Salaries and employee benefits | $2,137,000 | 1,208 |
| Premises and equipment expense | $506,000 | 1,368 |
| Additional noninterest expense | $1,515,000 | 957 |
| Pre-tax net operating income | $3,304,000 | 595 |
| Securities gains (losses) | $22,000 | 1,537 |
| Applicable income taxes | $897,000 | 631 |
| Income before extraordinary items | $2,429,000 | 627 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,429,000 | 628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 777 |
| Cash dividends | $2,250,000 | 384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,412,940 | 604 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $44,702,000 | 940 |
| Total interest expense | $22,161,000 | 891 |
| Net interest income | $22,541,000 | 976 |
| Provision for loan and lease losses | $900,000 | 1,538 |
| Total noninterest income | $6,550,000 | 879 |
| Gross Fiduciary activities income | $550,000 | 569 |
| Service charges on deposit accounts | $3,901,000 | 449 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,099,000 | 1,331 |
| Total noninterest expense | $17,546,000 | 1,066 |
| Salaries and employee benefits | $8,896,000 | 1,129 |
| Premises and equipment expense | $2,065,000 | 1,285 |
| Additional noninterest expense | $6,585,000 | 858 |
| Pre-tax net operating income | $10,645,000 | 804 |
| Securities gains (losses) | $-37,000 | 7,934 |
| Applicable income taxes | $2,313,000 | 1,004 |
| Income before extraordinary items | $8,295,000 | 784 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,295,000 | 782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,358 |
| Cash dividends | $6,000,000 | 631 |
| Sale, conversion, retirement of capital stock, net | $152,000 | 824 |
| Net operating income | $8,323,860 | 769 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $33,050,000 | 956 |
| Total interest expense | $16,294,000 | 905 |
| Net interest income | $16,756,000 | 990 |
| Provision for loan and lease losses | $750,000 | 1,146 |
| Total noninterest income | $4,869,000 | 887 |
| Gross Fiduciary activities income | $382,000 | 585 |
| Service charges on deposit accounts | $2,848,000 | 455 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,639,000 | 1,305 |
| Total noninterest expense | $12,931,000 | 1,078 |
| Salaries and employee benefits | $6,748,000 | 1,115 |
| Premises and equipment expense | $1,531,000 | 1,293 |
| Additional noninterest expense | $4,652,000 | 879 |
| Pre-tax net operating income | $7,944,000 | 875 |
| Securities gains (losses) | $-41,000 | 8,130 |
| Applicable income taxes | $1,796,000 | 1,047 |
| Income before extraordinary items | $6,107,000 | 859 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,107,000 | 857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,215 |
| Cash dividends | $4,500,000 | 617 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,002 |
| Net operating income | $6,138,570 | 846 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $21,720,000 | 984 |
| Total interest expense | $10,606,000 | 940 |
| Net interest income | $11,114,000 | 1,013 |
| Provision for loan and lease losses | $500,000 | 1,024 |
| Total noninterest income | $3,204,000 | 922 |
| Gross Fiduciary activities income | $259,000 | 590 |
| Service charges on deposit accounts | $1,858,000 | 471 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,087,000 | 1,323 |
| Total noninterest expense | $8,493,000 | 1,111 |
| Salaries and employee benefits | $4,462,000 | 1,146 |
| Premises and equipment expense | $969,000 | 1,368 |
| Additional noninterest expense | $3,062,000 | 908 |
| Pre-tax net operating income | $5,325,000 | 901 |
| Securities gains (losses) | $-41,000 | 8,269 |
| Applicable income taxes | $1,208,000 | 1,098 |
| Income before extraordinary items | $4,076,000 | 898 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,076,000 | 897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 1,995 |
| Cash dividends | $3,000,000 | 640 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 863 |
| Net operating income | $4,107,570 | 878 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,675,000 | 997 |
| Total interest expense | $5,234,000 | 937 |
| Net interest income | $5,441,000 | 1,026 |
| Provision for loan and lease losses | $250,000 | 954 |
| Total noninterest income | $1,570,000 | 912 |
| Gross Fiduciary activities income | $115,000 | 628 |
| Service charges on deposit accounts | $892,000 | 471 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $563,000 | 1,253 |
| Total noninterest expense | $4,280,000 | 1,097 |
| Salaries and employee benefits | $2,189,000 | 1,173 |
| Premises and equipment expense | $484,000 | 1,386 |
| Additional noninterest expense | $1,607,000 | 855 |
| Pre-tax net operating income | $2,481,000 | 955 |
| Securities gains (losses) | $-1,000 | 7,986 |
| Applicable income taxes | $521,000 | 1,247 |
| Income before extraordinary items | $1,959,000 | 902 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,959,000 | 901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,349 |
| Cash dividends | $1,500,000 | 577 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,959,790 | 890 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $40,634,000 | 959 |
| Total interest expense | $18,514,000 | 900 |
| Net interest income | $22,120,000 | 1,006 |
| Provision for loan and lease losses | $1,500,000 | 710 |
| Total noninterest income | $6,298,000 | 906 |
| Gross Fiduciary activities income | $466,000 | 600 |
| Service charges on deposit accounts | $3,792,000 | 460 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,040,000 | 1,327 |
| Total noninterest expense | $17,008,000 | 1,053 |
| Salaries and employee benefits | $8,899,000 | 1,085 |
| Premises and equipment expense | $2,009,000 | 1,291 |
| Additional noninterest expense | $6,100,000 | 870 |
| Pre-tax net operating income | $9,910,000 | 988 |
| Securities gains (losses) | $781,000 | 197 |
| Applicable income taxes | $2,035,000 | 1,311 |
| Income before extraordinary items | $8,656,000 | 868 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,656,000 | 867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,698 |
| Cash dividends | $7,100,000 | 519 |
| Sale, conversion, retirement of capital stock, net | $-54,000 | 8,588 |
| Net operating income | $8,023,390 | 913 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $29,811,000 | 984 |
| Total interest expense | $13,257,000 | 925 |
| Net interest income | $16,554,000 | 1,031 |
| Provision for loan and lease losses | $1,200,000 | 648 |
| Total noninterest income | $4,683,000 | 922 |
| Gross Fiduciary activities income | $342,000 | 599 |
| Service charges on deposit accounts | $2,817,000 | 469 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,524,000 | 1,355 |
| Total noninterest expense | $12,376,000 | 1,094 |
| Salaries and employee benefits | $6,455,000 | 1,143 |
| Premises and equipment expense | $1,538,000 | 1,261 |
| Additional noninterest expense | $4,383,000 | 909 |
| Pre-tax net operating income | $7,661,000 | 1,003 |
| Securities gains (losses) | $777,000 | 165 |
| Applicable income taxes | $1,657,000 | 1,292 |
| Income before extraordinary items | $6,781,000 | 853 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,781,000 | 852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 1,371 |
| Cash dividends | $4,600,000 | 560 |
| Sale, conversion, retirement of capital stock, net | $-39,000 | 8,674 |
| Net operating income | $6,159,400 | 932 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $19,397,000 | 989 |
| Total interest expense | $8,404,000 | 922 |
| Net interest income | $10,993,000 | 1,039 |
| Provision for loan and lease losses | $850,000 | 610 |
| Total noninterest income | $3,063,000 | 931 |
| Gross Fiduciary activities income | $244,000 | 596 |
| Service charges on deposit accounts | $1,815,000 | 472 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,004,000 | 1,348 |
| Total noninterest expense | $8,124,000 | 1,121 |
| Salaries and employee benefits | $4,236,000 | 1,167 |
| Premises and equipment expense | $1,009,000 | 1,290 |
| Additional noninterest expense | $2,879,000 | 932 |
| Pre-tax net operating income | $5,082,000 | 1,006 |
| Securities gains (losses) | $523,000 | 159 |
| Applicable income taxes | $989,000 | 1,413 |
| Income before extraordinary items | $4,616,000 | 841 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,616,000 | 841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 1,049 |
| Cash dividends | $3,600,000 | 493 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 676 |
| Net operating income | $4,187,140 | 907 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,470,000 | 980 |
| Total interest expense | $4,011,000 | 910 |
| Net interest income | $5,459,000 | 1,039 |
| Provision for loan and lease losses | $300,000 | 761 |
| Total noninterest income | $1,537,000 | 913 |
| Gross Fiduciary activities income | $132,000 | 587 |
| Service charges on deposit accounts | $870,000 | 473 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $535,000 | 1,279 |
| Total noninterest expense | $4,006,000 | 1,127 |
| Salaries and employee benefits | $2,121,000 | 1,168 |
| Premises and equipment expense | $511,000 | 1,272 |
| Additional noninterest expense | $1,374,000 | 973 |
| Pre-tax net operating income | $2,690,000 | 940 |
| Securities gains (losses) | $255,000 | 153 |
| Applicable income taxes | $604,000 | 1,189 |
| Income before extraordinary items | $2,341,000 | 814 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,341,000 | 813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 879 |
| Cash dividends | $1,500,000 | 510 |
| Sale, conversion, retirement of capital stock, net | $-4,000 | 8,725 |
| Net operating income | $2,139,550 | 871 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $35,970,000 | 920 |
| Total interest expense | $13,682,000 | 824 |
| Net interest income | $22,288,000 | 955 |
| Provision for loan and lease losses | $1,200,000 | 871 |
| Total noninterest income | $6,255,000 | 904 |
| Gross Fiduciary activities income | $455,000 | 605 |
| Service charges on deposit accounts | $3,587,000 | 474 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,213,000 | 1,262 |
| Total noninterest expense | $16,018,000 | 1,062 |
| Salaries and employee benefits | $8,165,000 | 1,139 |
| Premises and equipment expense | $2,117,000 | 1,153 |
| Additional noninterest expense | $5,736,000 | 903 |
| Pre-tax net operating income | $11,325,000 | 873 |
| Securities gains (losses) | $15,000 | 1,350 |
| Applicable income taxes | $2,758,000 | 1,032 |
| Income before extraordinary items | $8,582,000 | 840 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,582,000 | 842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,100 |
| Cash dividends | $5,650,000 | 595 |
| Sale, conversion, retirement of capital stock, net | $-187,000 | 8,778 |
| Net operating income | $8,570,600 | 831 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $26,725,000 | 900 |
| Total interest expense | $9,923,000 | 809 |
| Net interest income | $16,802,000 | 944 |
| Provision for loan and lease losses | $900,000 | 826 |
| Total noninterest income | $4,723,000 | 901 |
| Gross Fiduciary activities income | $345,000 | 599 |
| Service charges on deposit accounts | $2,651,000 | 486 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,727,000 | 1,218 |
| Total noninterest expense | $11,760,000 | 1,070 |
| Salaries and employee benefits | $6,100,000 | 1,126 |
| Premises and equipment expense | $1,567,000 | 1,161 |
| Additional noninterest expense | $4,093,000 | 934 |
| Pre-tax net operating income | $8,865,000 | 832 |
| Securities gains (losses) | $15,000 | 1,338 |
| Applicable income taxes | $2,189,000 | 992 |
| Income before extraordinary items | $6,691,000 | 800 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,691,000 | 801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,028 |
| Cash dividends | $4,150,000 | 558 |
| Sale, conversion, retirement of capital stock, net | $-90,000 | 8,808 |
| Net operating income | $6,679,750 | 788 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,661,000 | 883 |
| Total interest expense | $6,407,000 | 781 |
| Net interest income | $11,254,000 | 928 |
| Provision for loan and lease losses | $600,000 | 816 |
| Total noninterest income | $3,166,000 | 879 |
| Gross Fiduciary activities income | $257,000 | 574 |
| Service charges on deposit accounts | $1,697,000 | 495 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,212,000 | 1,168 |
| Total noninterest expense | $7,662,000 | 1,093 |
| Salaries and employee benefits | $3,970,000 | 1,150 |
| Premises and equipment expense | $1,040,000 | 1,148 |
| Additional noninterest expense | $2,652,000 | 959 |
| Pre-tax net operating income | $6,158,000 | 783 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,523,000 | 941 |
| Income before extraordinary items | $4,635,000 | 762 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,635,000 | 763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,769 |
| Cash dividends | $2,650,000 | 566 |
| Sale, conversion, retirement of capital stock, net | $-138,000 | 8,838 |
| Net operating income | $4,635,000 | 747 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,801,000 | 855 |
| Total interest expense | $3,128,000 | 768 |
| Net interest income | $5,673,000 | 912 |
| Provision for loan and lease losses | $300,000 | 755 |
| Total noninterest income | $1,482,000 | 908 |
| Gross Fiduciary activities income | $149,000 | 543 |
| Service charges on deposit accounts | $819,000 | 495 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $514,000 | 1,316 |
| Total noninterest expense | $3,647,000 | 1,151 |
| Salaries and employee benefits | $1,879,000 | 1,222 |
| Premises and equipment expense | $520,000 | 1,167 |
| Additional noninterest expense | $1,248,000 | 996 |
| Pre-tax net operating income | $3,208,000 | 756 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $902,000 | 826 |
| Income before extraordinary items | $2,306,000 | 761 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,306,000 | 762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,822 |
| Cash dividends | $1,150,000 | 576 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,306,000 | 739 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $33,852,000 | 817 |
| Total interest expense | $11,808,000 | 697 |
| Net interest income | $22,044,000 | 889 |
| Provision for loan and lease losses | $600,000 | 1,645 |
| Total noninterest income | $4,902,000 | 1,093 |
| Gross Fiduciary activities income | $340,000 | 660 |
| Service charges on deposit accounts | $2,632,000 | 671 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,930,000 | 1,353 |
| Total noninterest expense | $14,937,000 | 1,085 |
| Salaries and employee benefits | $7,696,000 | 1,118 |
| Premises and equipment expense | $2,182,000 | 1,060 |
| Additional noninterest expense | $5,059,000 | 995 |
| Pre-tax net operating income | $11,409,000 | 774 |
| Securities gains (losses) | $-2,493,000 | 8,931 |
| Applicable income taxes | $2,828,000 | 946 |
| Income before extraordinary items | $6,088,000 | 1,074 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,088,000 | 1,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,291,000 | 646 |
| Cash dividends | $5,900,000 | 539 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $7,783,240 | 816 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $25,185,000 | 820 |
| Total interest expense | $8,701,000 | 699 |
| Net interest income | $16,484,000 | 894 |
| Provision for loan and lease losses | $290,000 | 2,324 |
| Total noninterest income | $3,542,000 | 1,139 |
| Gross Fiduciary activities income | $253,000 | 658 |
| Service charges on deposit accounts | $1,830,000 | 725 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,459,000 | 1,357 |
| Total noninterest expense | $11,093,000 | 1,088 |
| Salaries and employee benefits | $5,651,000 | 1,142 |
| Premises and equipment expense | $1,622,000 | 1,074 |
| Additional noninterest expense | $3,820,000 | 985 |
| Pre-tax net operating income | $8,643,000 | 773 |
| Securities gains (losses) | $185,000 | 797 |
| Applicable income taxes | $2,215,000 | 934 |
| Income before extraordinary items | $6,613,000 | 761 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,613,000 | 762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $867,000 | 632 |
| Cash dividends | $5,900,000 | 402 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,474,250 | 741 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $16,745,000 | 815 |
| Total interest expense | $5,730,000 | 690 |
| Net interest income | $11,015,000 | 882 |
| Provision for loan and lease losses | $250,000 | 1,820 |
| Total noninterest income | $2,320,000 | 1,145 |
| Gross Fiduciary activities income | $188,000 | 648 |
| Service charges on deposit accounts | $1,180,000 | 738 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $952,000 | 1,376 |
| Total noninterest expense | $7,396,000 | 1,088 |
| Salaries and employee benefits | $3,817,000 | 1,128 |
| Premises and equipment expense | $1,077,000 | 1,080 |
| Additional noninterest expense | $2,502,000 | 991 |
| Pre-tax net operating income | $5,689,000 | 771 |
| Securities gains (losses) | $184,000 | 684 |
| Applicable income taxes | $1,429,000 | 953 |
| Income before extraordinary items | $4,444,000 | 750 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,444,000 | 749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $842,000 | 490 |
| Cash dividends | $5,900,000 | 289 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,304,160 | 733 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,343,000 | 837 |
| Total interest expense | $2,852,000 | 711 |
| Net interest income | $5,491,000 | 900 |
| Provision for loan and lease losses | $125,000 | 1,741 |
| Total noninterest income | $1,114,000 | 1,156 |
| Gross Fiduciary activities income | $111,000 | 621 |
| Service charges on deposit accounts | $570,000 | 748 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $433,000 | 1,439 |
| Total noninterest expense | $3,606,000 | 1,122 |
| Salaries and employee benefits | $1,798,000 | 1,226 |
| Premises and equipment expense | $542,000 | 1,095 |
| Additional noninterest expense | $1,266,000 | 975 |
| Pre-tax net operating income | $2,874,000 | 764 |
| Securities gains (losses) | $184,000 | 532 |
| Applicable income taxes | $679,000 | 1,008 |
| Income before extraordinary items | $2,379,000 | 702 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,379,000 | 702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,552 |
| Cash dividends | $1,200,000 | 567 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,235,480 | 691 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $33,616,000 | 835 |
| Total interest expense | $11,313,000 | 786 |
| Net interest income | $22,303,000 | 869 |
| Provision for loan and lease losses | $600,000 | 1,837 |
| Total noninterest income | $4,973,000 | 1,140 |
| Gross Fiduciary activities income | $275,000 | 730 |
| Service charges on deposit accounts | $2,317,000 | 734 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,381,000 | 1,282 |
| Total noninterest expense | $14,070,000 | 1,150 |
| Salaries and employee benefits | $7,296,000 | 1,175 |
| Premises and equipment expense | $1,903,000 | 1,186 |
| Additional noninterest expense | $4,871,000 | 1,047 |
| Pre-tax net operating income | $12,606,000 | 694 |
| Securities gains (losses) | $314,000 | 1,021 |
| Applicable income taxes | $3,427,000 | 834 |
| Income before extraordinary items | $9,493,000 | 687 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,493,000 | 689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,977 |
| Cash dividends | $3,600,000 | 849 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $9,263,780 | 658 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $25,397,000 | 854 |
| Total interest expense | $8,537,000 | 817 |
| Net interest income | $16,860,000 | 864 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $3,869,000 | 1,126 |
| Gross Fiduciary activities income | $182,000 | 757 |
| Service charges on deposit accounts | $1,723,000 | 748 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,964,000 | 1,247 |
| Total noninterest expense | $10,402,000 | 1,175 |
| Salaries and employee benefits | $5,461,000 | 1,174 |
| Premises and equipment expense | $1,371,000 | 1,244 |
| Additional noninterest expense | $3,570,000 | 1,085 |
| Pre-tax net operating income | $9,877,000 | 694 |
| Securities gains (losses) | $291,000 | 981 |
| Applicable income taxes | $2,717,000 | 847 |
| Income before extraordinary items | $7,451,000 | 691 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,451,000 | 692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,229 |
| Cash dividends | $2,900,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,238,570 | 661 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,974,000 | 861 |
| Total interest expense | $5,800,000 | 831 |
| Net interest income | $11,174,000 | 875 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $2,626,000 | 1,111 |
| Gross Fiduciary activities income | $108,000 | 789 |
| Service charges on deposit accounts | $1,126,000 | 759 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,392,000 | 1,198 |
| Total noninterest expense | $6,836,000 | 1,188 |
| Salaries and employee benefits | $3,634,000 | 1,181 |
| Premises and equipment expense | $920,000 | 1,239 |
| Additional noninterest expense | $2,282,000 | 1,112 |
| Pre-tax net operating income | $6,664,000 | 686 |
| Securities gains (losses) | $225,000 | 969 |
| Applicable income taxes | $1,784,000 | 858 |
| Income before extraordinary items | $5,105,000 | 671 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,105,000 | 671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,530 |
| Cash dividends | $2,100,000 | 709 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,938,500 | 641 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,573,000 | 859 |
| Total interest expense | $2,974,000 | 830 |
| Net interest income | $5,599,000 | 879 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $1,090,000 | 1,262 |
| Gross Fiduciary activities income | $48,000 | 820 |
| Service charges on deposit accounts | $538,000 | 772 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $504,000 | 1,481 |
| Total noninterest expense | $3,168,000 | 1,277 |
| Salaries and employee benefits | $1,605,000 | 1,351 |
| Premises and equipment expense | $448,000 | 1,289 |
| Additional noninterest expense | $1,115,000 | 1,109 |
| Pre-tax net operating income | $3,371,000 | 678 |
| Securities gains (losses) | $213,000 | 631 |
| Applicable income taxes | $934,000 | 848 |
| Income before extraordinary items | $2,650,000 | 648 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,650,000 | 647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,011 |
| Cash dividends | $1,100,000 | 634 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,492,380 | 635 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,857,000 | 901 |
| Total interest expense | $12,829,000 | 882 |
| Net interest income | $21,028,000 | 920 |
| Provision for loan and lease losses | $1,100,000 | 1,234 |
| Total noninterest income | $4,687,000 | 1,117 |
| Gross Fiduciary activities income | $229,000 | 790 |
| Service charges on deposit accounts | $2,215,000 | 727 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,243,000 | 1,210 |
| Total noninterest expense | $12,726,000 | 1,197 |
| Salaries and employee benefits | $6,617,000 | 1,216 |
| Premises and equipment expense | $1,641,000 | 1,338 |
| Additional noninterest expense | $4,468,000 | 1,109 |
| Pre-tax net operating income | $11,889,000 | 739 |
| Securities gains (losses) | $132,000 | 1,494 |
| Applicable income taxes | $3,180,000 | 879 |
| Income before extraordinary items | $8,841,000 | 718 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,841,000 | 719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 2,175 |
| Cash dividends | $4,000,000 | 738 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $8,743,320 | 697 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $35,441,000 | 958 |
| Total interest expense | $16,958,000 | 953 |
| Net interest income | $18,483,000 | 972 |
| Provision for loan and lease losses | $500,000 | 2,196 |
| Total noninterest income | $3,241,000 | 1,395 |
| Gross Fiduciary activities income | $195,000 | 845 |
| Service charges on deposit accounts | $1,736,000 | 850 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,310,000 | 1,699 |
| Total noninterest expense | $11,152,000 | 1,306 |
| Salaries and employee benefits | $5,441,000 | 1,381 |
| Premises and equipment expense | $1,502,000 | 1,429 |
| Additional noninterest expense | $4,209,000 | 1,141 |
| Pre-tax net operating income | $10,072,000 | 759 |
| Securities gains (losses) | $304,000 | 893 |
| Applicable income taxes | $2,986,000 | 849 |
| Income before extraordinary items | $7,390,000 | 756 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $7,390,000 | 757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 2,209 |
| Cash dividends | $3,650,000 | 778 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $7,174,160 | 742 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $33,918,000 | 1,044 |
| Total interest expense | $16,588,000 | 1,065 |
| Net interest income | $17,330,000 | 1,005 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $2,908,000 | 1,391 |
| Gross Fiduciary activities income | $152,000 | 857 |
| Service charges on deposit accounts | $1,601,000 | 845 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,155,000 | 1,689 |
| Total noninterest expense | $10,006,000 | 1,385 |
| Salaries and employee benefits | $5,141,000 | 1,377 |
| Premises and equipment expense | $1,309,000 | 1,585 |
| Additional noninterest expense | $3,556,000 | 1,279 |
| Pre-tax net operating income | $9,932,000 | 784 |
| Securities gains (losses) | $-107,000 | 9,431 |
| Applicable income taxes | $2,959,000 | 839 |
| Income before extraordinary items | $6,866,000 | 791 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,866,000 | 791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $747,000 | 919 |
| Cash dividends | $3,325,000 | 876 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,940,900 | 779 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $29,880,000 | 1,097 |
| Total interest expense | $13,644,000 | 1,116 |
| Net interest income | $16,236,000 | 1,080 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $2,558,000 | 1,539 |
| Gross Fiduciary activities income | $195,000 | 870 |
| Service charges on deposit accounts | $1,371,000 | 968 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $992,000 | 1,883 |
| Total noninterest expense | $9,131,000 | 1,522 |
| Salaries and employee benefits | $4,562,000 | 1,529 |
| Premises and equipment expense | $1,171,000 | 1,750 |
| Additional noninterest expense | $3,398,000 | 1,358 |
| Pre-tax net operating income | $9,363,000 | 872 |
| Securities gains (losses) | $23,000 | 1,318 |
| Applicable income taxes | $2,982,000 | 885 |
| Income before extraordinary items | $6,404,000 | 881 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,404,000 | 881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,719 |
| Cash dividends | $2,500,000 | 1,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $6,388,360 | 869 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $27,908,000 | 1,165 |
| Total interest expense | $12,585,000 | 1,242 |
| Net interest income | $15,323,000 | 1,106 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $1,881,000 | 1,921 |
| Gross Fiduciary activities income | $136,000 | 950 |
| Service charges on deposit accounts | $958,000 | 1,298 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $787,000 | 2,197 |
| Total noninterest expense | $8,403,000 | 1,577 |
| Salaries and employee benefits | $4,392,000 | 1,494 |
| Premises and equipment expense | $1,104,000 | 1,781 |
| Additional noninterest expense | $2,907,000 | 1,492 |
| Pre-tax net operating income | $8,501,000 | 922 |
| Securities gains (losses) | $40,000 | 1,906 |
| Applicable income taxes | $2,737,000 | 940 |
| Income before extraordinary items | $5,804,000 | 935 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,804,000 | 934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 1,470 |
| Cash dividends | $2,100,000 | 1,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,776,800 | 907 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $25,449,000 | 1,310 |
| Total interest expense | $11,517,000 | 1,365 |
| Net interest income | $13,932,000 | 1,241 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $1,633,000 | 2,068 |
| Gross Fiduciary activities income | $120,000 | 1,011 |
| Service charges on deposit accounts | $839,000 | 1,553 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $674,000 | 2,277 |
| Total noninterest expense | $7,658,000 | 1,703 |
| Salaries and employee benefits | $4,037,000 | 1,626 |
| Premises and equipment expense | $1,004,000 | 1,968 |
| Additional noninterest expense | $2,617,000 | 1,635 |
| Pre-tax net operating income | $7,607,000 | 1,059 |
| Securities gains (losses) | $-25,000 | 10,445 |
| Applicable income taxes | $2,389,000 | 1,138 |
| Income before extraordinary items | $5,193,000 | 1,059 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,193,000 | 1,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,561 |
| Cash dividends | $1,700,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,210,000 | 1,025 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $22,822,000 | 1,480 |
| Total interest expense | $10,190,000 | 1,562 |
| Net interest income | $12,632,000 | 1,419 |
| Provision for loan and lease losses | $410,000 | 2,044 |
| Total noninterest income | $1,421,000 | 2,388 |
| Gross Fiduciary activities income | $97,000 | 1,118 |
| Service charges on deposit accounts | $774,000 | 1,733 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $550,000 | 2,733 |
| Total noninterest expense | $7,058,000 | 1,988 |
| Salaries and employee benefits | $3,675,000 | 1,791 |
| Premises and equipment expense | $977,000 | 2,055 |
| Additional noninterest expense | $2,406,000 | 2,077 |
| Pre-tax net operating income | $6,585,000 | 1,124 |
| Securities gains (losses) | $-88,000 | 11,170 |
| Applicable income taxes | $2,032,000 | 1,214 |
| Income before extraordinary items | $4,465,000 | 1,147 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,465,000 | 1,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,303 |
| Cash dividends | $1,600,000 | 1,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,525,720 | 1,119 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,084,000 | 1,610 |
| Total interest expense | $9,513,000 | 1,678 |
| Net interest income | $11,571,000 | 1,554 |
| Provision for loan and lease losses | $380,000 | 1,931 |
| Total noninterest income | $1,253,000 | 2,620 |
| Gross Fiduciary activities income | $109,000 | 1,145 |
| Service charges on deposit accounts | $736,000 | 1,843 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $408,000 | 3,275 |
| Total noninterest expense | $6,906,000 | 2,003 |
| Salaries and employee benefits | $3,303,000 | 2,008 |
| Premises and equipment expense | $945,000 | 2,122 |
| Additional noninterest expense | $2,658,000 | 1,883 |
| Pre-tax net operating income | $5,538,000 | 1,379 |
| Securities gains (losses) | $-84,000 | 11,411 |
| Applicable income taxes | $1,702,000 | 1,466 |
| Income before extraordinary items | $3,752,000 | 1,377 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,752,000 | 1,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,855 |
| Cash dividends | $1,120,000 | 1,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,809,960 | 1,345 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,470,000 | 1,756 |
| Total interest expense | $7,406,000 | 1,690 |
| Net interest income | $10,064,000 | 1,795 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $1,189,000 | 2,747 |
| Gross Fiduciary activities income | $100,000 | 1,185 |
| Service charges on deposit accounts | $645,000 | 2,098 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $444,000 | 3,193 |
| Total noninterest expense | $6,642,000 | 2,132 |
| Salaries and employee benefits | $3,139,000 | 2,105 |
| Premises and equipment expense | $902,000 | 2,234 |
| Additional noninterest expense | $2,601,000 | 2,073 |
| Pre-tax net operating income | $4,371,000 | 1,640 |
| Securities gains (losses) | $35,000 | 1,379 |
| Applicable income taxes | $1,314,000 | 1,748 |
| Income before extraordinary items | $3,092,000 | 1,579 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,092,000 | 1,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,075 |
| Cash dividends | $914,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,067,500 | 1,601 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,382,000 | 1,913 |
| Total interest expense | $7,680,000 | 1,718 |
| Net interest income | $8,702,000 | 2,069 |
| Provision for loan and lease losses | $400,000 | 2,455 |
| Total noninterest income | $1,075,000 | 3,154 |
| Gross Fiduciary activities income | $76,000 | 1,262 |
| Service charges on deposit accounts | $527,000 | 2,642 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $472,000 | 3,385 |
| Total noninterest expense | $6,105,000 | 2,348 |
| Salaries and employee benefits | $2,872,000 | 2,325 |
| Premises and equipment expense | $813,000 | 2,520 |
| Additional noninterest expense | $2,420,000 | 2,311 |
| Pre-tax net operating income | $3,272,000 | 2,080 |
| Securities gains (losses) | $166,000 | 1,886 |
| Applicable income taxes | $952,000 | 2,380 |
| Income before extraordinary items | $2,486,000 | 2,017 |
| Extraordinary gains, net | $208,000 | 983 |
| Net income | $2,694,000 | 1,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 4,432 |
| Cash dividends | $734,000 | 2,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,366,480 | 1,991 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,971,000 | 2,083 |
| Total interest expense | $9,239,000 | 1,830 |
| Net interest income | $7,732,000 | 2,335 |
| Provision for loan and lease losses | $300,000 | 4,111 |
| Total noninterest income | $878,000 | 3,691 |
| Gross Fiduciary activities income | $100,000 | 1,253 |
| Service charges on deposit accounts | $467,000 | 2,992 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $311,000 | 4,331 |
| Total noninterest expense | $5,513,000 | 2,622 |
| Salaries and employee benefits | $2,481,000 | 2,624 |
| Premises and equipment expense | $597,000 | 3,374 |
| Additional noninterest expense | $2,435,000 | 2,374 |
| Pre-tax net operating income | $2,797,000 | 2,205 |
| Securities gains (losses) | $157,000 | 2,365 |
| Applicable income taxes | $831,000 | 2,509 |
| Income before extraordinary items | $2,123,000 | 2,158 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,123,000 | 2,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 4,172 |
| Cash dividends | $620,000 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,009,960 | 2,110 |
* 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.