Home > Jefferson Federal Bank > Income and Expense
Jefferson Federal Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,848,000 | 1,970 |
| Total interest expense | $6,065,000 | 2,038 |
| Net interest income | $8,783,000 | 1,931 |
| Provision for loan and lease losses | $483,000 | 2,775 |
| Total noninterest income | $914,000 | 3,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $914,000 | 1,945 |
| Total noninterest expense | $6,877,000 | 2,088 |
| Salaries and employee benefits | $4,132,000 | 1,870 |
| Premises and equipment expense | $1,570,000 | 1,319 |
| Additional noninterest expense | $1,175,000 | 3,445 |
| Pre-tax net operating income | $2,337,000 | 2,042 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $749,000 | 1,446 |
| Income before extraordinary items | $1,588,000 | 2,214 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,588,000 | 2,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,587 |
| Cash dividends | $3,000,000 | 708 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,588,000 | 2,324 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,104,000 | 1,963 |
| Total interest expense | $4,322,000 | 2,003 |
| Net interest income | $5,782,000 | 1,936 |
| Provision for loan and lease losses | $323,000 | 2,437 |
| Total noninterest income | $598,000 | 3,146 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $598,000 | 2,002 |
| Total noninterest expense | $4,605,000 | 2,088 |
| Salaries and employee benefits | $2,778,000 | 1,878 |
| Premises and equipment expense | $1,051,000 | 1,308 |
| Additional noninterest expense | $776,000 | 3,436 |
| Pre-tax net operating income | $1,452,000 | 2,266 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $399,000 | 1,871 |
| Income before extraordinary items | $1,053,000 | 2,470 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,053,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,548 |
| Cash dividends | $2,000,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,053,000 | 2,423 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,264,000 | 1,935 |
| Total interest expense | $2,351,000 | 1,969 |
| Net interest income | $2,913,000 | 1,916 |
| Provision for loan and lease losses | $243,000 | 1,624 |
| Total noninterest income | $308,000 | 3,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $308,000 | 1,939 |
| Total noninterest expense | $2,250,000 | 2,131 |
| Salaries and employee benefits | $1,374,000 | 1,915 |
| Premises and equipment expense | $515,000 | 1,347 |
| Additional noninterest expense | $361,000 | 3,575 |
| Pre-tax net operating income | $728,000 | 2,344 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $246,000 | 1,701 |
| Income before extraordinary items | $482,000 | 2,770 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $482,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,076 |
| Cash dividends | $1,000,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $482,000 | 2,689 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,027,000 | 1,921 |
| Total interest expense | $10,126,000 | 1,930 |
| Net interest income | $11,901,000 | 1,907 |
| Provision for loan and lease losses | $128,000 | 4,529 |
| Total noninterest income | $880,000 | 3,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $880,000 | 2,414 |
| Total noninterest expense | $9,751,000 | 1,900 |
| Salaries and employee benefits | $6,047,000 | 1,655 |
| Premises and equipment expense | $1,911,000 | 1,395 |
| Additional noninterest expense | $1,793,000 | 2,938 |
| Pre-tax net operating income | $2,902,000 | 2,539 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $984,000 | 1,882 |
| Income before extraordinary items | $1,918,000 | 2,909 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,918,000 | 2,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,433 |
| Cash dividends | $3,876,000 | 952 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,918,000 | 2,905 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,420,000 | 1,929 |
| Total interest expense | $7,532,000 | 1,945 |
| Net interest income | $8,888,000 | 1,930 |
| Provision for loan and lease losses | $68,000 | 4,713 |
| Total noninterest income | $660,000 | 3,811 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $660,000 | 2,416 |
| Total noninterest expense | $7,291,000 | 1,878 |
| Salaries and employee benefits | $4,562,000 | 1,655 |
| Premises and equipment expense | $1,397,000 | 1,421 |
| Additional noninterest expense | $1,332,000 | 2,908 |
| Pre-tax net operating income | $2,189,000 | 2,672 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $746,000 | 1,993 |
| Income before extraordinary items | $1,443,000 | 3,056 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,443,000 | 3,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,601 |
| Cash dividends | $2,000,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,443,000 | 3,034 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,869,000 | 1,961 |
| Total interest expense | $4,965,000 | 1,972 |
| Net interest income | $5,904,000 | 1,959 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $401,000 | 4,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $401,000 | 2,571 |
| Total noninterest expense | $4,770,000 | 1,933 |
| Salaries and employee benefits | $3,075,000 | 1,665 |
| Premises and equipment expense | $894,000 | 1,501 |
| Additional noninterest expense | $801,000 | 3,189 |
| Pre-tax net operating income | $1,535,000 | 2,634 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $512,000 | 2,035 |
| Income before extraordinary items | $1,023,000 | 2,992 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,023,000 | 2,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,791 |
| Cash dividends | $2,000,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,023,000 | 2,977 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,338,000 | 1,996 |
| Total interest expense | $2,440,000 | 1,984 |
| Net interest income | $2,898,000 | 2,002 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $192,000 | 4,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $192,000 | 2,603 |
| Total noninterest expense | $2,391,000 | 1,935 |
| Salaries and employee benefits | $1,553,000 | 1,679 |
| Premises and equipment expense | $442,000 | 1,521 |
| Additional noninterest expense | $396,000 | 3,197 |
| Pre-tax net operating income | $699,000 | 2,808 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $253,000 | 2,076 |
| Income before extraordinary items | $446,000 | 3,254 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $446,000 | 3,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,207 |
| Cash dividends | $1,000,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $446,000 | 3,229 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,290,000 | 1,956 |
| Total interest expense | $9,068,000 | 1,837 |
| Net interest income | $11,222,000 | 2,070 |
| Provision for loan and lease losses | $-38,000 | 8,376 |
| Total noninterest income | $957,000 | 3,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $957,000 | 2,303 |
| Total noninterest expense | $9,779,000 | 1,819 |
| Salaries and employee benefits | $6,206,000 | 1,592 |
| Premises and equipment expense | $1,721,000 | 1,497 |
| Additional noninterest expense | $1,852,000 | 2,741 |
| Pre-tax net operating income | $2,438,000 | 3,181 |
| Securities gains (losses) | $-245,000 | 8,419 |
| Applicable income taxes | $790,000 | 2,492 |
| Income before extraordinary items | $1,403,000 | 3,932 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,403,000 | 3,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $3,201,000 | 1,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,559,800 | 3,670 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,936,000 | 1,974 |
| Total interest expense | $6,579,000 | 1,842 |
| Net interest income | $8,357,000 | 2,099 |
| Provision for loan and lease losses | $-68,000 | 8,547 |
| Total noninterest income | $748,000 | 3,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $748,000 | 2,236 |
| Total noninterest expense | $7,297,000 | 1,830 |
| Salaries and employee benefits | $4,665,000 | 1,602 |
| Premises and equipment expense | $1,224,000 | 1,589 |
| Additional noninterest expense | $1,408,000 | 2,704 |
| Pre-tax net operating income | $1,876,000 | 3,247 |
| Securities gains (losses) | $-215,000 | 8,549 |
| Applicable income taxes | $597,000 | 2,608 |
| Income before extraordinary items | $1,064,000 | 4,022 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,064,000 | 4,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,767 |
| Cash dividends | $2,350,000 | 1,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,201,600 | 3,720 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,646,000 | 1,997 |
| Total interest expense | $4,131,000 | 1,854 |
| Net interest income | $5,515,000 | 2,118 |
| Provision for loan and lease losses | $-68,000 | 8,606 |
| Total noninterest income | $532,000 | 3,374 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $532,000 | 2,134 |
| Total noninterest expense | $4,688,000 | 1,893 |
| Salaries and employee benefits | $3,106,000 | 1,601 |
| Premises and equipment expense | $750,000 | 1,706 |
| Additional noninterest expense | $832,000 | 3,030 |
| Pre-tax net operating income | $1,427,000 | 2,977 |
| Securities gains (losses) | $-214,000 | 8,634 |
| Applicable income taxes | $425,000 | 2,527 |
| Income before extraordinary items | $788,000 | 3,787 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $788,000 | 3,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,680 |
| Cash dividends | $2,000,000 | 795 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $927,100 | 3,379 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,605,000 | 2,044 |
| Total interest expense | $1,928,000 | 1,894 |
| Net interest income | $2,677,000 | 2,172 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $329,000 | 2,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $329,000 | 1,804 |
| Total noninterest expense | $2,223,000 | 1,986 |
| Salaries and employee benefits | $1,557,000 | 1,595 |
| Premises and equipment expense | $363,000 | 1,756 |
| Additional noninterest expense | $303,000 | 3,857 |
| Pre-tax net operating income | $783,000 | 2,756 |
| Securities gains (losses) | $-46,000 | 8,552 |
| Applicable income taxes | $279,000 | 2,111 |
| Income before extraordinary items | $458,000 | 3,376 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $458,000 | 3,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $1,000,000 | 729 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $487,440 | 3,206 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,307,000 | 2,049 |
| Total interest expense | $5,651,000 | 1,991 |
| Net interest income | $10,656,000 | 2,080 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,568,000 | 2,618 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,568,000 | 1,609 |
| Total noninterest expense | $7,730,000 | 2,157 |
| Salaries and employee benefits | $4,947,000 | 1,881 |
| Premises and equipment expense | $1,266,000 | 1,906 |
| Additional noninterest expense | $1,517,000 | 3,203 |
| Pre-tax net operating income | $4,494,000 | 2,028 |
| Securities gains (losses) | $216,000 | 482 |
| Applicable income taxes | $1,658,000 | 1,582 |
| Income before extraordinary items | $3,052,000 | 2,213 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,052,000 | 2,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,872 |
| Cash dividends | $2,950,000 | 1,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,911,600 | 2,278 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,959,000 | 2,037 |
| Total interest expense | $4,029,000 | 1,982 |
| Net interest income | $7,930,000 | 2,084 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,154,000 | 2,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,154,000 | 1,632 |
| Total noninterest expense | $5,740,000 | 2,158 |
| Salaries and employee benefits | $3,631,000 | 1,895 |
| Premises and equipment expense | $980,000 | 1,840 |
| Additional noninterest expense | $1,129,000 | 3,184 |
| Pre-tax net operating income | $3,344,000 | 2,054 |
| Securities gains (losses) | $216,000 | 457 |
| Applicable income taxes | $1,207,000 | 1,644 |
| Income before extraordinary items | $2,353,000 | 2,179 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,353,000 | 2,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,611 |
| Cash dividends | $2,107,000 | 1,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,210,440 | 2,264 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,805,000 | 2,020 |
| Total interest expense | $2,562,000 | 1,946 |
| Net interest income | $5,243,000 | 2,076 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $653,000 | 2,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $653,000 | 1,822 |
| Total noninterest expense | $3,736,000 | 2,199 |
| Salaries and employee benefits | $2,283,000 | 1,981 |
| Premises and equipment expense | $648,000 | 1,849 |
| Additional noninterest expense | $805,000 | 3,005 |
| Pre-tax net operating income | $2,160,000 | 2,066 |
| Securities gains (losses) | $260,000 | 354 |
| Applicable income taxes | $814,000 | 1,598 |
| Income before extraordinary items | $1,606,000 | 2,111 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,606,000 | 2,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,311 |
| Cash dividends | $1,107,000 | 1,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,434,400 | 2,273 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,887,000 | 2,001 |
| Total interest expense | $1,228,000 | 1,934 |
| Net interest income | $2,659,000 | 2,030 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $326,000 | 2,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $326,000 | 1,796 |
| Total noninterest expense | $1,850,000 | 2,238 |
| Salaries and employee benefits | $1,110,000 | 2,061 |
| Premises and equipment expense | $347,000 | 1,731 |
| Additional noninterest expense | $393,000 | 3,069 |
| Pre-tax net operating income | $1,135,000 | 1,958 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $342,000 | 1,804 |
| Income before extraordinary items | $793,000 | 2,092 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $793,000 | 2,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,526 |
| Cash dividends | $378,000 | 1,505 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $793,000 | 2,061 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,978,000 | 1,904 |
| Total interest expense | $4,663,000 | 1,746 |
| Net interest income | $10,315,000 | 1,967 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,115,000 | 3,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,115,000 | 2,011 |
| Total noninterest expense | $6,159,000 | 2,569 |
| Salaries and employee benefits | $3,679,000 | 2,358 |
| Premises and equipment expense | $1,204,000 | 1,911 |
| Additional noninterest expense | $1,276,000 | 3,577 |
| Pre-tax net operating income | $5,271,000 | 1,623 |
| Securities gains (losses) | $-4,000 | 8,021 |
| Applicable income taxes | $1,860,000 | 1,356 |
| Income before extraordinary items | $3,407,000 | 1,852 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,407,000 | 1,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,170 |
| Cash dividends | $1,743,000 | 1,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,409,600 | 1,811 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,237,000 | 1,887 |
| Total interest expense | $3,482,000 | 1,729 |
| Net interest income | $7,755,000 | 1,941 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $872,000 | 3,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $872,000 | 1,962 |
| Total noninterest expense | $4,635,000 | 2,536 |
| Salaries and employee benefits | $2,763,000 | 2,342 |
| Premises and equipment expense | $915,000 | 1,887 |
| Additional noninterest expense | $957,000 | 3,548 |
| Pre-tax net operating income | $3,992,000 | 1,614 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $1,396,000 | 1,365 |
| Income before extraordinary items | $2,592,000 | 1,843 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,592,000 | 1,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,153 |
| Cash dividends | $1,494,000 | 1,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,594,600 | 1,797 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,508,000 | 1,863 |
| Total interest expense | $2,314,000 | 1,720 |
| Net interest income | $5,194,000 | 1,914 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $583,000 | 3,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $583,000 | 1,969 |
| Total noninterest expense | $3,090,000 | 2,552 |
| Salaries and employee benefits | $1,786,000 | 2,408 |
| Premises and equipment expense | $631,000 | 1,823 |
| Additional noninterest expense | $673,000 | 3,412 |
| Pre-tax net operating income | $2,687,000 | 1,570 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $958,000 | 1,329 |
| Income before extraordinary items | $1,727,000 | 1,827 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,727,000 | 1,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,267 |
| Cash dividends | $1,090,000 | 1,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,728,280 | 1,777 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,822,000 | 1,842 |
| Total interest expense | $1,196,000 | 1,682 |
| Net interest income | $2,626,000 | 1,896 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $266,000 | 3,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $266,000 | 2,038 |
| Total noninterest expense | $1,591,000 | 2,510 |
| Salaries and employee benefits | $953,000 | 2,290 |
| Premises and equipment expense | $318,000 | 1,830 |
| Additional noninterest expense | $320,000 | 3,547 |
| Pre-tax net operating income | $1,301,000 | 1,596 |
| Securities gains (losses) | $-2,000 | 8,748 |
| Applicable income taxes | $461,000 | 1,386 |
| Income before extraordinary items | $838,000 | 1,870 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $838,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $335,000 | 1,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $839,300 | 1,779 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,143,000 | 1,762 |
| Total interest expense | $5,668,000 | 1,584 |
| Net interest income | $10,475,000 | 1,867 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $1,013,000 | 3,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,013,000 | 2,365 |
| Total noninterest expense | $5,691,000 | 2,726 |
| Salaries and employee benefits | $2,947,000 | 2,808 |
| Premises and equipment expense | $1,057,000 | 2,152 |
| Additional noninterest expense | $1,687,000 | 2,773 |
| Pre-tax net operating income | $5,557,000 | 1,490 |
| Securities gains (losses) | $22,000 | 3,160 |
| Applicable income taxes | $2,098,000 | 1,245 |
| Income before extraordinary items | $3,481,000 | 1,787 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,481,000 | 1,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,141 |
| Cash dividends | $818,000 | 2,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,466,920 | 1,715 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,287,000 | 1,766 |
| Total interest expense | $4,338,000 | 1,621 |
| Net interest income | $7,949,000 | 1,861 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $742,000 | 3,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $742,000 | 2,469 |
| Total noninterest expense | $4,266,000 | 2,734 |
| Salaries and employee benefits | $2,194,000 | 2,836 |
| Premises and equipment expense | $799,000 | 2,142 |
| Additional noninterest expense | $1,273,000 | 2,743 |
| Pre-tax net operating income | $4,185,000 | 1,517 |
| Securities gains (losses) | $22,000 | 2,902 |
| Applicable income taxes | $1,559,000 | 1,305 |
| Income before extraordinary items | $2,648,000 | 1,829 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,648,000 | 1,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,698 |
| Cash dividends | $483,000 | 2,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,633,920 | 1,735 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,268,000 | 1,768 |
| Total interest expense | $2,942,000 | 1,654 |
| Net interest income | $5,326,000 | 1,836 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $507,000 | 3,704 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $507,000 | 2,422 |
| Total noninterest expense | $2,738,000 | 2,828 |
| Salaries and employee benefits | $1,383,000 | 2,997 |
| Premises and equipment expense | $528,000 | 2,154 |
| Additional noninterest expense | $827,000 | 2,807 |
| Pre-tax net operating income | $2,855,000 | 1,482 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,014,000 | 1,359 |
| Income before extraordinary items | $1,841,000 | 1,758 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,841,000 | 1,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $148,000 | 3,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,841,000 | 1,642 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,201,000 | 1,753 |
| Total interest expense | $1,495,000 | 1,671 |
| Net interest income | $2,706,000 | 1,799 |
| Provision for loan and lease losses | $240,000 | 1,159 |
| Total noninterest income | $263,000 | 3,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $263,000 | 2,291 |
| Total noninterest expense | $1,341,000 | 2,860 |
| Salaries and employee benefits | $687,000 | 3,008 |
| Premises and equipment expense | $246,000 | 2,277 |
| Additional noninterest expense | $408,000 | 2,805 |
| Pre-tax net operating income | $1,388,000 | 1,519 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $377,000 | 1,716 |
| Income before extraordinary items | $1,011,000 | 1,591 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,011,000 | 1,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $41,000 | 3,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,011,000 | 1,492 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,306,000 | 1,678 |
| Total interest expense | $7,898,000 | 1,425 |
| Net interest income | $10,408,000 | 1,873 |
| Provision for loan and lease losses | $1,289,000 | 1,064 |
| Total noninterest income | $1,067,000 | 3,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,067,000 | 2,085 |
| Total noninterest expense | $5,236,000 | 2,804 |
| Salaries and employee benefits | $2,648,000 | 2,968 |
| Premises and equipment expense | $936,000 | 2,320 |
| Additional noninterest expense | $1,652,000 | 2,732 |
| Pre-tax net operating income | $4,950,000 | 1,647 |
| Securities gains (losses) | $206,000 | 1,143 |
| Applicable income taxes | $1,893,000 | 1,344 |
| Income before extraordinary items | $3,263,000 | 1,835 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,263,000 | 1,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 2,127 |
| Cash dividends | $227,000 | 4,744 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 805 |
| Net operating income | $3,131,160 | 1,856 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,538,000 | 1,746 |
| Total interest expense | $11,957,000 | 1,363 |
| Net interest income | $7,581,000 | 2,369 |
| Provision for loan and lease losses | $960,000 | 1,288 |
| Total noninterest income | $958,000 | 3,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $958,000 | 2,101 |
| Total noninterest expense | $4,367,000 | 3,165 |
| Salaries and employee benefits | $2,137,000 | 3,401 |
| Premises and equipment expense | $853,000 | 2,482 |
| Additional noninterest expense | $1,377,000 | 3,098 |
| Pre-tax net operating income | $3,212,000 | 2,136 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $1,212,000 | 1,792 |
| Income before extraordinary items | $2,026,000 | 2,500 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,026,000 | 2,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $761,000 | 1,143 |
| Cash dividends | $219,000 | 4,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,009,360 | 2,434 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,253,000 | 1,920 |
| Total interest expense | $10,841,000 | 1,583 |
| Net interest income | $7,412,000 | 2,394 |
| Provision for loan and lease losses | $1,250,000 | 884 |
| Total noninterest income | $1,312,000 | 2,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,312,000 | 1,548 |
| Total noninterest expense | $3,824,000 | 3,449 |
| Salaries and employee benefits | $1,826,000 | 3,733 |
| Premises and equipment expense | $853,000 | 2,422 |
| Additional noninterest expense | $1,145,000 | 3,592 |
| Pre-tax net operating income | $3,650,000 | 1,999 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $1,374,000 | 1,627 |
| Income before extraordinary items | $2,273,000 | 2,271 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,273,000 | 2,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $519,000 | 1,213 |
| Cash dividends | $219,000 | 4,999 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 951 |
| Net operating income | $2,274,920 | 2,278 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,083,000 | 1,909 |
| Total interest expense | $9,667,000 | 1,559 |
| Net interest income | $7,416,000 | 2,377 |
| Provision for loan and lease losses | $886,000 | 1,083 |
| Total noninterest income | $975,000 | 3,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $975,000 | 1,909 |
| Total noninterest expense | $3,530,000 | 3,686 |
| Salaries and employee benefits | $1,592,000 | 4,136 |
| Premises and equipment expense | $803,000 | 2,534 |
| Additional noninterest expense | $1,135,000 | 3,619 |
| Pre-tax net operating income | $3,975,000 | 1,846 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,541,000 | 1,562 |
| Income before extraordinary items | $2,434,000 | 2,152 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,434,000 | 2,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,353,000 | 585 |
| Cash dividends | $219,000 | 5,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,434,000 | 2,120 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,632,000 | 2,090 |
| Total interest expense | $9,069,000 | 1,696 |
| Net interest income | $6,563,000 | 2,598 |
| Provision for loan and lease losses | $737,000 | 1,262 |
| Total noninterest income | $915,000 | 3,286 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $915,000 | 1,988 |
| Total noninterest expense | $3,213,000 | 3,878 |
| Salaries and employee benefits | $1,445,000 | 4,365 |
| Premises and equipment expense | $757,000 | 2,573 |
| Additional noninterest expense | $1,011,000 | 3,921 |
| Pre-tax net operating income | $3,528,000 | 2,053 |
| Securities gains (losses) | $116,000 | 1,189 |
| Applicable income taxes | $1,321,000 | 1,828 |
| Income before extraordinary items | $2,323,000 | 2,237 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,323,000 | 2,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 1,034 |
| Cash dividends | $219,000 | 5,214 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,017 |
| Net operating income | $2,248,760 | 2,224 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,369,000 | 2,270 |
| Total interest expense | $8,013,000 | 1,930 |
| Net interest income | $6,356,000 | 2,737 |
| Provision for loan and lease losses | $600,000 | 1,510 |
| Total noninterest income | $856,000 | 3,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $856,000 | 1,941 |
| Total noninterest expense | $2,877,000 | 4,247 |
| Salaries and employee benefits | $1,291,000 | 4,809 |
| Premises and equipment expense | $689,000 | 2,782 |
| Additional noninterest expense | $897,000 | 4,326 |
| Pre-tax net operating income | $3,735,000 | 2,013 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,403,000 | 1,798 |
| Income before extraordinary items | $2,332,000 | 2,255 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,332,000 | 2,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $398,000 | 1,602 |
| Cash dividends | $216,000 | 5,216 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 960 |
| Net operating income | $2,332,000 | 2,196 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,135,000 | 2,545 |
| Total interest expense | $7,120,000 | 2,183 |
| Net interest income | $6,015,000 | 2,952 |
| Provision for loan and lease losses | $411,000 | 2,038 |
| Total noninterest income | $733,000 | 3,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $733,000 | 2,224 |
| Total noninterest expense | $3,358,000 | 3,933 |
| Salaries and employee benefits | $1,079,000 | 5,662 |
| Premises and equipment expense | $407,000 | 4,474 |
| Additional noninterest expense | $1,872,000 | 2,607 |
| Pre-tax net operating income | $2,979,000 | 2,389 |
| Securities gains (losses) | $-9,000 | 10,223 |
| Applicable income taxes | $1,037,000 | 2,282 |
| Income before extraordinary items | $1,933,000 | 2,528 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,933,000 | 2,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,876 |
| Cash dividends | $212,000 | 5,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,938,850 | 2,473 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,814,000 | 2,824 |
| Total interest expense | $6,256,000 | 2,457 |
| Net interest income | $5,558,000 | 3,196 |
| Provision for loan and lease losses | $160,000 | 3,506 |
| Total noninterest income | $656,000 | 4,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $656,000 | 2,400 |
| Total noninterest expense | $2,368,000 | 5,230 |
| Salaries and employee benefits | $1,037,000 | 5,870 |
| Premises and equipment expense | $428,000 | 4,278 |
| Additional noninterest expense | $903,000 | 4,751 |
| Pre-tax net operating income | $3,686,000 | 1,997 |
| Securities gains (losses) | $-29,000 | 10,820 |
| Applicable income taxes | $1,400,000 | 1,750 |
| Income before extraordinary items | $2,257,000 | 2,229 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,257,000 | 2,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,677 |
| Cash dividends | $210,000 | 5,348 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,275,560 | 2,186 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,835,000 | 2,808 |
| Total interest expense | $4,980,000 | 2,472 |
| Net interest income | $5,855,000 | 3,068 |
| Provision for loan and lease losses | $265,000 | 2,482 |
| Total noninterest income | $1,344,000 | 2,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,344,000 | 1,494 |
| Total noninterest expense | $2,302,000 | 5,541 |
| Salaries and employee benefits | $939,000 | 6,423 |
| Premises and equipment expense | $358,000 | 5,012 |
| Additional noninterest expense | $1,005,000 | 4,690 |
| Pre-tax net operating income | $4,632,000 | 1,558 |
| Securities gains (losses) | $-25,000 | 10,510 |
| Applicable income taxes | $1,737,000 | 1,355 |
| Income before extraordinary items | $2,870,000 | 1,709 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,870,000 | 1,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,133 |
| Cash dividends | $76,000 | 7,394 |
| Sale, conversion, retirement of capital stock, net | $2,619,000 | 258 |
| Net operating income | $2,886,000 | 1,702 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,692,000 | 2,644 |
| Total interest expense | $5,741,000 | 2,262 |
| Net interest income | $5,951,000 | 3,050 |
| Provision for loan and lease losses | $370,000 | 2,586 |
| Total noninterest income | $592,000 | 5,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $592,000 | 2,920 |
| Total noninterest expense | $2,380,000 | 5,502 |
| Salaries and employee benefits | $1,038,000 | 5,938 |
| Premises and equipment expense | $399,000 | 4,723 |
| Additional noninterest expense | $943,000 | 5,174 |
| Pre-tax net operating income | $3,793,000 | 1,817 |
| Securities gains (losses) | $233,000 | 1,515 |
| Applicable income taxes | $1,534,000 | 1,537 |
| Income before extraordinary items | $2,492,000 | 2,013 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,492,000 | 2,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,869 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,342,880 | 2,010 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,005,000 | 3,188 |
| Total interest expense | $6,207,000 | 2,691 |
| Net interest income | $4,798,000 | 3,789 |
| Provision for loan and lease losses | $573,000 | 2,716 |
| Total noninterest income | $643,000 | 4,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $643,000 | 2,702 |
| Total noninterest expense | $2,217,000 | 5,878 |
| Salaries and employee benefits | $954,000 | 6,300 |
| Premises and equipment expense | $344,000 | 5,436 |
| Additional noninterest expense | $919,000 | 5,423 |
| Pre-tax net operating income | $2,651,000 | 2,332 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,131,000 | 1,873 |
| Income before extraordinary items | $1,520,000 | 3,041 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,520,000 | 3,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 5,670 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,520,000 | 2,811 |
* 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.