Home > Kearney State Bank and Trust Company > Income and Expense
Kearney State Bank and Trust Company, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,167,000 | 4,681 |
| Total interest expense | $3,238,000 | 4,563 |
| Net interest income | $3,929,000 | 4,675 |
| Provision for loan and lease losses | $650,000 | 1,944 |
| Total noninterest income | $375,000 | 5,630 |
| Gross Fiduciary activities income | $14,000 | 1,207 |
| Service charges on deposit accounts | $570,000 | 2,781 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-209,000 | 8,511 |
| Total noninterest expense | $3,071,000 | 4,941 |
| Salaries and employee benefits | $1,658,000 | 4,993 |
| Premises and equipment expense | $421,000 | 4,867 |
| Additional noninterest expense | $992,000 | 4,694 |
| Pre-tax net operating income | $583,000 | 5,737 |
| Securities gains (losses) | $-6,000 | 7,432 |
| Applicable income taxes | $148,000 | 4,149 |
| Income before extraordinary items | $429,000 | 5,951 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $429,000 | 5,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,021,000 | 1,005 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $433,440 | 5,924 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,056,000 | 4,856 |
| Total interest expense | $2,301,000 | 4,737 |
| Net interest income | $2,755,000 | 4,898 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $693,000 | 3,700 |
| Gross Fiduciary activities income | $10,000 | 1,181 |
| Service charges on deposit accounts | $401,000 | 2,894 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $282,000 | 3,857 |
| Total noninterest expense | $2,217,000 | 5,023 |
| Salaries and employee benefits | $1,192,000 | 5,115 |
| Premises and equipment expense | $286,000 | 5,148 |
| Additional noninterest expense | $739,000 | 4,640 |
| Pre-tax net operating income | $1,231,000 | 3,889 |
| Securities gains (losses) | $-46,000 | 8,156 |
| Applicable income taxes | $379,000 | 2,873 |
| Income before extraordinary items | $806,000 | 4,331 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $806,000 | 4,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,644 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $837,280 | 4,242 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,812,000 | 5,453 |
| Total interest expense | $1,296,000 | 5,192 |
| Net interest income | $1,516,000 | 5,534 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $339,000 | 4,397 |
| Gross Fiduciary activities income | $6,000 | 1,205 |
| Service charges on deposit accounts | $213,000 | 3,391 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $120,000 | 4,752 |
| Total noninterest expense | $1,221,000 | 5,674 |
| Salaries and employee benefits | $699,000 | 5,557 |
| Premises and equipment expense | $149,000 | 5,826 |
| Additional noninterest expense | $373,000 | 5,507 |
| Pre-tax net operating income | $634,000 | 4,528 |
| Securities gains (losses) | $-46,000 | 8,290 |
| Applicable income taxes | $181,000 | 3,393 |
| Income before extraordinary items | $407,000 | 5,035 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $407,000 | 5,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $438,740 | 4,861 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $480,000 | 7,744 |
| Total interest expense | $223,000 | 7,418 |
| Net interest income | $257,000 | 7,868 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $62,000 | 6,469 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $38,000 | 5,408 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $23,000 | 6,395 |
| Total noninterest expense | $221,000 | 7,887 |
| Salaries and employee benefits | $166,000 | 7,432 |
| Premises and equipment expense | $17,000 | 8,143 |
| Additional noninterest expense | $38,000 | 8,309 |
| Pre-tax net operating income | $98,000 | 6,693 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $29,000 | 4,646 |
| Income before extraordinary items | $69,000 | 6,876 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $69,000 | 6,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,563 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $69,000 | 6,859 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,202,000 | 3,802 |
| Total interest expense | $4,045,000 | 3,568 |
| Net interest income | $5,157,000 | 3,917 |
| Provision for loan and lease losses | $390,000 | 2,314 |
| Total noninterest income | $1,297,000 | 2,968 |
| Gross Fiduciary activities income | $27,000 | 1,127 |
| Service charges on deposit accounts | $686,000 | 2,418 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $584,000 | 3,067 |
| Total noninterest expense | $3,691,000 | 4,222 |
| Salaries and employee benefits | $2,151,000 | 4,052 |
| Premises and equipment expense | $596,000 | 3,790 |
| Additional noninterest expense | $944,000 | 4,698 |
| Pre-tax net operating income | $2,373,000 | 3,251 |
| Securities gains (losses) | $-26,000 | 7,669 |
| Applicable income taxes | $787,000 | 2,501 |
| Income before extraordinary items | $1,560,000 | 3,691 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,560,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $430,000 | 1,305 |
| Cash dividends | $1,004,000 | 2,536 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,577,160 | 3,642 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,867,000 | 3,795 |
| Total interest expense | $2,909,000 | 3,593 |
| Net interest income | $3,958,000 | 3,878 |
| Provision for loan and lease losses | $300,000 | 2,139 |
| Total noninterest income | $984,000 | 2,955 |
| Gross Fiduciary activities income | $20,000 | 1,112 |
| Service charges on deposit accounts | $519,000 | 2,404 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $445,000 | 3,042 |
| Total noninterest expense | $2,759,000 | 4,220 |
| Salaries and employee benefits | $1,608,000 | 4,041 |
| Premises and equipment expense | $444,000 | 3,815 |
| Additional noninterest expense | $707,000 | 4,667 |
| Pre-tax net operating income | $1,883,000 | 3,238 |
| Securities gains (losses) | $-26,000 | 7,943 |
| Applicable income taxes | $618,000 | 2,543 |
| Income before extraordinary items | $1,239,000 | 3,651 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,239,000 | 3,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 1,026 |
| Cash dividends | $1,004,000 | 1,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,256,420 | 3,610 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,524,000 | 3,781 |
| Total interest expense | $1,861,000 | 3,586 |
| Net interest income | $2,663,000 | 3,874 |
| Provision for loan and lease losses | $210,000 | 2,022 |
| Total noninterest income | $671,000 | 2,907 |
| Gross Fiduciary activities income | $14,000 | 1,120 |
| Service charges on deposit accounts | $357,000 | 2,314 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $300,000 | 3,017 |
| Total noninterest expense | $1,816,000 | 4,270 |
| Salaries and employee benefits | $1,071,000 | 4,059 |
| Premises and equipment expense | $300,000 | 3,769 |
| Additional noninterest expense | $445,000 | 4,856 |
| Pre-tax net operating income | $1,308,000 | 3,174 |
| Securities gains (losses) | $-26,000 | 8,175 |
| Applicable income taxes | $423,000 | 2,532 |
| Income before extraordinary items | $859,000 | 3,565 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $859,000 | 3,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 898 |
| Cash dividends | $1,004,000 | 1,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $876,420 | 3,500 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,241,000 | 3,756 |
| Total interest expense | $887,000 | 3,577 |
| Net interest income | $1,354,000 | 3,829 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $292,000 | 3,144 |
| Gross Fiduciary activities income | $6,000 | 1,135 |
| Service charges on deposit accounts | $170,000 | 2,342 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $116,000 | 3,440 |
| Total noninterest expense | $918,000 | 4,256 |
| Salaries and employee benefits | $536,000 | 4,082 |
| Premises and equipment expense | $155,000 | 3,684 |
| Additional noninterest expense | $227,000 | 4,767 |
| Pre-tax net operating income | $638,000 | 3,181 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $198,000 | 2,619 |
| Income before extraordinary items | $440,000 | 3,460 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $440,000 | 3,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $1,004,000 | 727 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $440,000 | 3,435 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,580,000 | 3,549 |
| Total interest expense | $3,285,000 | 3,095 |
| Net interest income | $5,295,000 | 3,792 |
| Provision for loan and lease losses | $330,000 | 2,627 |
| Total noninterest income | $1,530,000 | 2,654 |
| Gross Fiduciary activities income | $64,000 | 1,015 |
| Service charges on deposit accounts | $825,000 | 2,058 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $641,000 | 2,939 |
| Total noninterest expense | $3,555,000 | 4,241 |
| Salaries and employee benefits | $1,968,000 | 4,167 |
| Premises and equipment expense | $595,000 | 3,685 |
| Additional noninterest expense | $992,000 | 4,443 |
| Pre-tax net operating income | $2,940,000 | 2,810 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $985,000 | 2,287 |
| Income before extraordinary items | $1,955,000 | 3,148 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,955,000 | 3,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 1,731 |
| Cash dividends | $1,557,000 | 1,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,955,000 | 3,111 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,363,000 | 3,527 |
| Total interest expense | $2,415,000 | 3,009 |
| Net interest income | $3,948,000 | 3,802 |
| Provision for loan and lease losses | $270,000 | 2,383 |
| Total noninterest income | $1,187,000 | 2,604 |
| Gross Fiduciary activities income | $54,000 | 981 |
| Service charges on deposit accounts | $614,000 | 2,065 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $519,000 | 2,809 |
| Total noninterest expense | $2,705,000 | 4,152 |
| Salaries and employee benefits | $1,466,000 | 4,165 |
| Premises and equipment expense | $445,000 | 3,685 |
| Additional noninterest expense | $794,000 | 4,201 |
| Pre-tax net operating income | $2,160,000 | 2,885 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $721,000 | 2,352 |
| Income before extraordinary items | $1,439,000 | 3,231 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,439,000 | 3,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,203 |
| Cash dividends | $1,507,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,439,000 | 3,195 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,163,000 | 3,512 |
| Total interest expense | $1,552,000 | 2,968 |
| Net interest income | $2,611,000 | 3,796 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $785,000 | 2,575 |
| Gross Fiduciary activities income | $13,000 | 1,120 |
| Service charges on deposit accounts | $405,000 | 2,052 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $367,000 | 2,692 |
| Total noninterest expense | $1,708,000 | 4,324 |
| Salaries and employee benefits | $969,000 | 4,162 |
| Premises and equipment expense | $299,000 | 3,637 |
| Additional noninterest expense | $440,000 | 4,796 |
| Pre-tax net operating income | $1,508,000 | 2,738 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $505,000 | 2,265 |
| Income before extraordinary items | $1,003,000 | 3,086 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,003,000 | 3,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 1,526 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,003,000 | 3,032 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,025,000 | 3,551 |
| Total interest expense | $750,000 | 2,956 |
| Net interest income | $1,275,000 | 3,859 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $343,000 | 2,758 |
| Gross Fiduciary activities income | $5,000 | 1,162 |
| Service charges on deposit accounts | $179,000 | 2,210 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $159,000 | 2,872 |
| Total noninterest expense | $854,000 | 4,339 |
| Salaries and employee benefits | $486,000 | 4,179 |
| Premises and equipment expense | $155,000 | 3,563 |
| Additional noninterest expense | $213,000 | 4,873 |
| Pre-tax net operating income | $674,000 | 2,942 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $225,000 | 2,413 |
| Income before extraordinary items | $449,000 | 3,316 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $449,000 | 3,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,145 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $449,000 | 3,281 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,765,000 | 3,491 |
| Total interest expense | $2,759,000 | 2,802 |
| Net interest income | $5,006,000 | 3,801 |
| Provision for loan and lease losses | $600,000 | 1,645 |
| Total noninterest income | $1,501,000 | 2,683 |
| Gross Fiduciary activities income | $81,000 | 977 |
| Service charges on deposit accounts | $801,000 | 2,138 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $619,000 | 2,932 |
| Total noninterest expense | $3,291,000 | 4,378 |
| Salaries and employee benefits | $1,842,000 | 4,259 |
| Premises and equipment expense | $523,000 | 3,944 |
| Additional noninterest expense | $926,000 | 4,603 |
| Pre-tax net operating income | $2,616,000 | 2,885 |
| Securities gains (losses) | $205,000 | 821 |
| Applicable income taxes | $961,000 | 2,227 |
| Income before extraordinary items | $1,860,000 | 3,108 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,860,000 | 3,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $761,000 | 943 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,724,700 | 3,205 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,783,000 | 3,486 |
| Total interest expense | $2,019,000 | 2,814 |
| Net interest income | $3,764,000 | 3,779 |
| Provision for loan and lease losses | $320,000 | 2,139 |
| Total noninterest income | $1,138,000 | 2,670 |
| Gross Fiduciary activities income | $76,000 | 935 |
| Service charges on deposit accounts | $600,000 | 2,160 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $462,000 | 2,932 |
| Total noninterest expense | $2,395,000 | 4,440 |
| Salaries and employee benefits | $1,360,000 | 4,289 |
| Premises and equipment expense | $396,000 | 3,902 |
| Additional noninterest expense | $639,000 | 4,844 |
| Pre-tax net operating income | $2,187,000 | 2,671 |
| Securities gains (losses) | $205,000 | 757 |
| Applicable income taxes | $812,000 | 2,079 |
| Income before extraordinary items | $1,580,000 | 2,830 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,580,000 | 2,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 1,842 |
| Cash dividends | $500,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,444,700 | 2,976 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 3,457 |
| Total interest expense | $1,323,000 | 2,848 |
| Net interest income | $2,553,000 | 3,710 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $721,000 | 2,777 |
| Gross Fiduciary activities income | $51,000 | 948 |
| Service charges on deposit accounts | $383,000 | 2,228 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $287,000 | 3,065 |
| Total noninterest expense | $1,639,000 | 4,384 |
| Salaries and employee benefits | $914,000 | 4,262 |
| Premises and equipment expense | $262,000 | 3,931 |
| Additional noninterest expense | $463,000 | 4,583 |
| Pre-tax net operating income | $1,395,000 | 2,730 |
| Securities gains (losses) | $206,000 | 641 |
| Applicable income taxes | $540,000 | 2,076 |
| Income before extraordinary items | $1,061,000 | 2,795 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,061,000 | 2,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 1,770 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $925,040 | 3,048 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,934,000 | 3,476 |
| Total interest expense | $661,000 | 2,888 |
| Net interest income | $1,273,000 | 3,706 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $342,000 | 2,828 |
| Gross Fiduciary activities income | $25,000 | 963 |
| Service charges on deposit accounts | $189,000 | 2,194 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $128,000 | 3,215 |
| Total noninterest expense | $795,000 | 4,500 |
| Salaries and employee benefits | $455,000 | 4,315 |
| Premises and equipment expense | $127,000 | 4,055 |
| Additional noninterest expense | $213,000 | 4,852 |
| Pre-tax net operating income | $700,000 | 2,710 |
| Securities gains (losses) | $206,000 | 491 |
| Applicable income taxes | $308,000 | 1,885 |
| Income before extraordinary items | $598,000 | 2,502 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $598,000 | 2,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,172 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $462,040 | 3,013 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,717,000 | 3,544 |
| Total interest expense | $2,690,000 | 3,158 |
| Net interest income | $5,027,000 | 3,660 |
| Provision for loan and lease losses | $500,000 | 2,155 |
| Total noninterest income | $1,578,000 | 2,747 |
| Gross Fiduciary activities income | $20,000 | 1,249 |
| Service charges on deposit accounts | $776,000 | 2,167 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $782,000 | 2,775 |
| Total noninterest expense | $2,901,000 | 4,722 |
| Salaries and employee benefits | $1,662,000 | 4,512 |
| Premises and equipment expense | $448,000 | 4,377 |
| Additional noninterest expense | $791,000 | 5,088 |
| Pre-tax net operating income | $3,204,000 | 2,377 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,081,000 | 2,071 |
| Income before extraordinary items | $2,123,000 | 2,736 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,123,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 1,732 |
| Cash dividends | $1,300,000 | 1,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,123,000 | 2,606 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,740,000 | 3,604 |
| Total interest expense | $2,014,000 | 3,269 |
| Net interest income | $3,726,000 | 3,717 |
| Provision for loan and lease losses | $340,000 | 2,302 |
| Total noninterest income | $1,229,000 | 2,726 |
| Gross Fiduciary activities income | $16,000 | 1,219 |
| Service charges on deposit accounts | $578,000 | 2,200 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $635,000 | 2,733 |
| Total noninterest expense | $2,148,000 | 4,745 |
| Salaries and employee benefits | $1,235,000 | 4,520 |
| Premises and equipment expense | $323,000 | 4,501 |
| Additional noninterest expense | $590,000 | 5,072 |
| Pre-tax net operating income | $2,467,000 | 2,412 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $827,000 | 2,154 |
| Income before extraordinary items | $1,640,000 | 2,767 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,640,000 | 2,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 1,860 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,640,000 | 2,626 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,815,000 | 3,642 |
| Total interest expense | $1,357,000 | 3,329 |
| Net interest income | $2,458,000 | 3,755 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $809,000 | 2,736 |
| Gross Fiduciary activities income | $11,000 | 1,214 |
| Service charges on deposit accounts | $378,000 | 2,194 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $420,000 | 2,719 |
| Total noninterest expense | $1,444,000 | 4,702 |
| Salaries and employee benefits | $848,000 | 4,439 |
| Premises and equipment expense | $216,000 | 4,484 |
| Additional noninterest expense | $380,000 | 5,197 |
| Pre-tax net operating income | $1,643,000 | 2,407 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $555,000 | 2,164 |
| Income before extraordinary items | $1,088,000 | 2,793 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,088,000 | 2,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,773 |
| Cash dividends | $750,000 | 1,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,088,000 | 2,634 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,941,000 | 3,617 |
| Total interest expense | $677,000 | 3,407 |
| Net interest income | $1,264,000 | 3,659 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $431,000 | 2,540 |
| Gross Fiduciary activities income | $5,000 | 1,228 |
| Service charges on deposit accounts | $193,000 | 2,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $233,000 | 2,463 |
| Total noninterest expense | $732,000 | 4,655 |
| Salaries and employee benefits | $440,000 | 4,317 |
| Premises and equipment expense | $106,000 | 4,525 |
| Additional noninterest expense | $186,000 | 5,230 |
| Pre-tax net operating income | $873,000 | 2,298 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $295,000 | 2,083 |
| Income before extraordinary items | $578,000 | 2,625 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $578,000 | 2,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 1,431 |
| Cash dividends | $750,000 | 860 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $578,000 | 2,485 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,162,000 | 3,589 |
| Total interest expense | $3,078,000 | 3,475 |
| Net interest income | $5,084,000 | 3,624 |
| Provision for loan and lease losses | $820,000 | 1,593 |
| Total noninterest income | $1,260,000 | 2,973 |
| Gross Fiduciary activities income | $20,000 | 1,286 |
| Service charges on deposit accounts | $663,000 | 2,352 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $577,000 | 3,036 |
| Total noninterest expense | $2,948,000 | 4,522 |
| Salaries and employee benefits | $1,730,000 | 4,214 |
| Premises and equipment expense | $408,000 | 4,575 |
| Additional noninterest expense | $810,000 | 4,881 |
| Pre-tax net operating income | $2,576,000 | 2,823 |
| Securities gains (losses) | $192,000 | 1,204 |
| Applicable income taxes | $934,000 | 2,327 |
| Income before extraordinary items | $1,834,000 | 2,986 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,834,000 | 2,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $457,000 | 1,773 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,707,280 | 3,059 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,473,000 | 3,828 |
| Total interest expense | $4,212,000 | 3,647 |
| Net interest income | $4,261,000 | 3,926 |
| Provision for loan and lease losses | $550,000 | 2,033 |
| Total noninterest income | $1,162,000 | 2,992 |
| Gross Fiduciary activities income | $16,000 | 1,343 |
| Service charges on deposit accounts | $663,000 | 2,254 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $483,000 | 3,184 |
| Total noninterest expense | $2,905,000 | 4,437 |
| Salaries and employee benefits | $1,516,000 | 4,473 |
| Premises and equipment expense | $537,000 | 3,675 |
| Additional noninterest expense | $852,000 | 4,592 |
| Pre-tax net operating income | $1,968,000 | 3,203 |
| Securities gains (losses) | $223,000 | 1,105 |
| Applicable income taxes | $753,000 | 2,534 |
| Income before extraordinary items | $1,438,000 | 3,323 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,438,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,888 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,290,820 | 3,501 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,530,000 | 4,319 |
| Total interest expense | $3,876,000 | 4,071 |
| Net interest income | $3,654,000 | 4,470 |
| Provision for loan and lease losses | $380,000 | 2,366 |
| Total noninterest income | $881,000 | 3,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $531,000 | 2,551 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $350,000 | 3,621 |
| Total noninterest expense | $2,399,000 | 4,993 |
| Salaries and employee benefits | $1,335,000 | 4,801 |
| Premises and equipment expense | $426,000 | 4,300 |
| Additional noninterest expense | $638,000 | 5,537 |
| Pre-tax net operating income | $1,756,000 | 3,625 |
| Securities gains (losses) | $-10,000 | 8,341 |
| Applicable income taxes | $604,000 | 3,095 |
| Income before extraordinary items | $1,142,000 | 3,998 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,142,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,034 |
| Cash dividends | $1,000,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,148,500 | 3,968 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,796,000 | 4,510 |
| Total interest expense | $3,302,000 | 4,260 |
| Net interest income | $3,494,000 | 4,660 |
| Provision for loan and lease losses | $400,000 | 2,102 |
| Total noninterest income | $717,000 | 3,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 2,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $283,000 | 4,150 |
| Total noninterest expense | $2,125,000 | 5,447 |
| Salaries and employee benefits | $1,111,000 | 5,448 |
| Premises and equipment expense | $402,000 | 4,517 |
| Additional noninterest expense | $612,000 | 5,754 |
| Pre-tax net operating income | $1,686,000 | 3,794 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $584,000 | 3,275 |
| Income before extraordinary items | $1,103,000 | 4,133 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,103,000 | 4,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $476,000 | 1,266 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,102,350 | 4,092 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,298,000 | 4,824 |
| Total interest expense | $3,120,000 | 4,575 |
| Net interest income | $3,178,000 | 4,935 |
| Provision for loan and lease losses | $310,000 | 2,519 |
| Total noninterest income | $741,000 | 3,827 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $446,000 | 2,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $295,000 | 4,071 |
| Total noninterest expense | $2,003,000 | 5,597 |
| Salaries and employee benefits | $1,026,000 | 5,681 |
| Premises and equipment expense | $358,000 | 4,808 |
| Additional noninterest expense | $619,000 | 5,629 |
| Pre-tax net operating income | $1,606,000 | 3,977 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $544,000 | 3,635 |
| Income before extraordinary items | $1,079,000 | 4,246 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,079,000 | 4,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,170 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,067,780 | 4,184 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,782,000 | 5,197 |
| Total interest expense | $2,882,000 | 4,884 |
| Net interest income | $2,900,000 | 5,443 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $680,000 | 4,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $415,000 | 3,128 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,226 |
| Total noninterest expense | $1,860,000 | 5,945 |
| Salaries and employee benefits | $961,000 | 6,000 |
| Premises and equipment expense | $333,000 | 5,085 |
| Additional noninterest expense | $566,000 | 6,011 |
| Pre-tax net operating income | $1,520,000 | 4,450 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $521,000 | 4,091 |
| Income before extraordinary items | $1,005,000 | 4,689 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,005,000 | 4,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,980 |
| Cash dividends | $100,000 | 6,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,001,040 | 4,638 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,018,000 | 5,914 |
| Total interest expense | $2,523,000 | 5,477 |
| Net interest income | $2,495,000 | 6,200 |
| Provision for loan and lease losses | $315,000 | 2,477 |
| Total noninterest income | $664,000 | 4,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $426,000 | 3,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,674 |
| Total noninterest expense | $1,680,000 | 6,656 |
| Salaries and employee benefits | $820,000 | 6,884 |
| Premises and equipment expense | $345,000 | 5,056 |
| Additional noninterest expense | $515,000 | 6,940 |
| Pre-tax net operating income | $1,164,000 | 5,227 |
| Securities gains (losses) | $-15,000 | 10,479 |
| Applicable income taxes | $407,000 | 4,840 |
| Income before extraordinary items | $742,000 | 5,569 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $742,000 | 5,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 2,090 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $751,750 | 5,467 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,488,000 | 6,474 |
| Total interest expense | $2,242,000 | 5,994 |
| Net interest income | $2,246,000 | 6,786 |
| Provision for loan and lease losses | $250,000 | 2,552 |
| Total noninterest income | $702,000 | 4,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 3,889 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $364,000 | 3,514 |
| Total noninterest expense | $1,582,000 | 7,027 |
| Salaries and employee benefits | $767,000 | 7,298 |
| Premises and equipment expense | $314,000 | 5,437 |
| Additional noninterest expense | $501,000 | 7,243 |
| Pre-tax net operating income | $1,116,000 | 5,552 |
| Securities gains (losses) | $-7,000 | 9,876 |
| Applicable income taxes | $373,000 | 5,189 |
| Income before extraordinary items | $736,000 | 5,785 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $736,000 | 5,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,256 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $740,620 | 5,736 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,648,000 | 7,132 |
| Total interest expense | $1,598,000 | 6,606 |
| Net interest income | $2,050,000 | 7,445 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $525,000 | 5,120 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,849 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $262,000 | 4,461 |
| Total noninterest expense | $1,450,000 | 7,764 |
| Salaries and employee benefits | $672,000 | 8,097 |
| Premises and equipment expense | $283,000 | 5,959 |
| Additional noninterest expense | $495,000 | 7,892 |
| Pre-tax net operating income | $1,005,000 | 5,934 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $352,000 | 5,249 |
| Income before extraordinary items | $655,000 | 6,186 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $655,000 | 6,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $653,700 | 6,270 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,113,000 | 8,155 |
| Total interest expense | $1,491,000 | 7,230 |
| Net interest income | $1,622,000 | 8,736 |
| Provision for loan and lease losses | $140,000 | 4,819 |
| Total noninterest income | $562,000 | 5,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $341,000 | 4,171 |
| Total noninterest expense | $1,332,000 | 8,401 |
| Salaries and employee benefits | $613,000 | 8,694 |
| Premises and equipment expense | $285,000 | 6,106 |
| Additional noninterest expense | $434,000 | 8,884 |
| Pre-tax net operating income | $712,000 | 7,297 |
| Securities gains (losses) | $12,000 | 5,266 |
| Applicable income taxes | $147,000 | 8,722 |
| Income before extraordinary items | $577,000 | 6,961 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $577,000 | 7,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $567,400 | 6,768 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,653,000 | 9,619 |
| Total interest expense | $1,397,000 | 8,864 |
| Net interest income | $1,256,000 | 10,111 |
| Provision for loan and lease losses | $90,000 | 7,540 |
| Total noninterest income | $356,000 | 7,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,818 |
| Total noninterest expense | $1,141,000 | 9,321 |
| Salaries and employee benefits | $460,000 | 10,198 |
| Premises and equipment expense | $233,000 | 7,118 |
| Additional noninterest expense | $448,000 | 8,986 |
| Pre-tax net operating income | $381,000 | 9,414 |
| Securities gains (losses) | $69,000 | 3,609 |
| Applicable income taxes | $64,000 | 10,889 |
| Income before extraordinary items | $386,000 | 8,360 |
| Extraordinary gains, net | $60,000 | 938 |
| Net income | $446,000 | 7,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $326,660 | 8,622 |
* 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.