Home > Kentucky Trust Bank > Income and Expense
Kentucky Trust Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,001,000 | 4,371 |
| Total interest expense | $2,814,000 | 4,175 |
| Net interest income | $3,187,000 | 4,484 |
| Provision for loan and lease losses | $123,000 | 3,826 |
| Total noninterest income | $1,732,000 | 2,007 |
| Gross Fiduciary activities income | $610,000 | 471 |
| Service charges on deposit accounts | $573,000 | 2,197 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $549,000 | 2,690 |
| Total noninterest expense | $4,615,000 | 2,882 |
| Salaries and employee benefits | $1,792,000 | 3,841 |
| Premises and equipment expense | $601,000 | 3,065 |
| Additional noninterest expense | $2,222,000 | 1,816 |
| Pre-tax net operating income | $181,000 | 7,040 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $137,000 | 4,139 |
| Income before extraordinary items | $44,000 | 7,514 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $44,000 | 7,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,961 |
| Cash dividends | $980,000 | 2,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $44,000 | 7,501 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,149,000 | 4,303 |
| Total interest expense | $1,916,000 | 4,130 |
| Net interest income | $2,233,000 | 4,371 |
| Provision for loan and lease losses | $108,000 | 3,179 |
| Total noninterest income | $1,070,000 | 2,130 |
| Gross Fiduciary activities income | $418,000 | 470 |
| Service charges on deposit accounts | $387,000 | 2,183 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $265,000 | 3,232 |
| Total noninterest expense | $2,594,000 | 3,354 |
| Salaries and employee benefits | $1,384,000 | 3,449 |
| Premises and equipment expense | $367,000 | 3,318 |
| Additional noninterest expense | $843,000 | 3,055 |
| Pre-tax net operating income | $601,000 | 4,652 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $200,000 | 3,271 |
| Income before extraordinary items | $401,000 | 5,074 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $401,000 | 5,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $280,000 | 3,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $401,000 | 5,063 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,068,000 | 4,309 |
| Total interest expense | $963,000 | 4,103 |
| Net interest income | $1,105,000 | 4,399 |
| Provision for loan and lease losses | $54,000 | 3,005 |
| Total noninterest income | $495,000 | 2,226 |
| Gross Fiduciary activities income | $181,000 | 512 |
| Service charges on deposit accounts | $184,000 | 2,212 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $130,000 | 3,266 |
| Total noninterest expense | $1,249,000 | 3,459 |
| Salaries and employee benefits | $707,000 | 3,432 |
| Premises and equipment expense | $173,000 | 3,492 |
| Additional noninterest expense | $369,000 | 3,384 |
| Pre-tax net operating income | $297,000 | 4,673 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $100,000 | 3,266 |
| Income before extraordinary items | $197,000 | 5,093 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $197,000 | 5,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $160,000 | 2,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $197,000 | 5,083 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,726,000 | 4,288 |
| Total interest expense | $3,451,000 | 3,954 |
| Net interest income | $4,275,000 | 4,475 |
| Provision for loan and lease losses | $177,000 | 3,808 |
| Total noninterest income | $2,130,000 | 2,128 |
| Gross Fiduciary activities income | $692,000 | 506 |
| Service charges on deposit accounts | $805,000 | 2,100 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $633,000 | 2,921 |
| Total noninterest expense | $5,613,000 | 3,034 |
| Salaries and employee benefits | $3,067,000 | 3,073 |
| Premises and equipment expense | $745,000 | 3,172 |
| Additional noninterest expense | $1,801,000 | 2,813 |
| Pre-tax net operating income | $615,000 | 6,140 |
| Securities gains (losses) | $-10,000 | 7,284 |
| Applicable income taxes | $186,000 | 4,367 |
| Income before extraordinary items | $419,000 | 6,449 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $419,000 | 6,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,862 |
| Cash dividends | $421,000 | 3,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $425,900 | 6,424 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,628,000 | 4,352 |
| Total interest expense | $2,467,000 | 3,988 |
| Net interest income | $3,161,000 | 4,544 |
| Provision for loan and lease losses | $132,000 | 3,689 |
| Total noninterest income | $1,502,000 | 2,221 |
| Gross Fiduciary activities income | $463,000 | 538 |
| Service charges on deposit accounts | $619,000 | 2,064 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $420,000 | 3,139 |
| Total noninterest expense | $4,184,000 | 3,051 |
| Salaries and employee benefits | $2,243,000 | 3,127 |
| Premises and equipment expense | $558,000 | 3,182 |
| Additional noninterest expense | $1,383,000 | 2,742 |
| Pre-tax net operating income | $347,000 | 6,793 |
| Securities gains (losses) | $-10,000 | 7,588 |
| Applicable income taxes | $114,000 | 4,805 |
| Income before extraordinary items | $223,000 | 7,100 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $223,000 | 7,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,191 |
| Cash dividends | $366,000 | 3,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $229,600 | 7,064 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,592,000 | 4,432 |
| Total interest expense | $1,540,000 | 4,040 |
| Net interest income | $2,052,000 | 4,644 |
| Provision for loan and lease losses | $87,000 | 3,632 |
| Total noninterest income | $1,004,000 | 2,219 |
| Gross Fiduciary activities income | $309,000 | 541 |
| Service charges on deposit accounts | $421,000 | 2,006 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $274,000 | 3,172 |
| Total noninterest expense | $2,686,000 | 3,156 |
| Salaries and employee benefits | $1,468,000 | 3,179 |
| Premises and equipment expense | $350,000 | 3,329 |
| Additional noninterest expense | $868,000 | 2,913 |
| Pre-tax net operating income | $283,000 | 6,566 |
| Securities gains (losses) | $-10,000 | 7,862 |
| Applicable income taxes | $90,000 | 4,649 |
| Income before extraordinary items | $183,000 | 6,887 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $183,000 | 6,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 1,511 |
| Cash dividends | $310,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $189,700 | 6,836 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,711,000 | 4,528 |
| Total interest expense | $710,000 | 4,144 |
| Net interest income | $1,001,000 | 4,711 |
| Provision for loan and lease losses | $42,000 | 3,489 |
| Total noninterest income | $427,000 | 2,448 |
| Gross Fiduciary activities income | $158,000 | 543 |
| Service charges on deposit accounts | $188,000 | 2,152 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,122 |
| Total noninterest expense | $1,290,000 | 3,288 |
| Salaries and employee benefits | $714,000 | 3,281 |
| Premises and equipment expense | $175,000 | 3,341 |
| Additional noninterest expense | $401,000 | 3,109 |
| Pre-tax net operating income | $96,000 | 7,108 |
| Securities gains (losses) | $-10,000 | 8,238 |
| Applicable income taxes | $27,000 | 5,120 |
| Income before extraordinary items | $59,000 | 7,388 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $59,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,017 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $65,900 | 7,278 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,023,000 | 4,592 |
| Total interest expense | $2,268,000 | 4,076 |
| Net interest income | $3,755,000 | 4,814 |
| Provision for loan and lease losses | $150,000 | 4,107 |
| Total noninterest income | $1,690,000 | 2,485 |
| Gross Fiduciary activities income | $536,000 | 569 |
| Service charges on deposit accounts | $813,000 | 2,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $341,000 | 4,076 |
| Total noninterest expense | $4,564,000 | 3,481 |
| Salaries and employee benefits | $2,361,000 | 3,642 |
| Premises and equipment expense | $644,000 | 3,447 |
| Additional noninterest expense | $1,559,000 | 3,132 |
| Pre-tax net operating income | $731,000 | 6,072 |
| Securities gains (losses) | $7,000 | 1,594 |
| Applicable income taxes | $237,000 | 4,433 |
| Income before extraordinary items | $501,000 | 6,375 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $501,000 | 6,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,509 |
| Cash dividends | $57,000 | 5,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $496,240 | 6,365 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,412,000 | 4,626 |
| Total interest expense | $1,650,000 | 4,033 |
| Net interest income | $2,762,000 | 4,886 |
| Provision for loan and lease losses | $114,000 | 3,981 |
| Total noninterest income | $1,265,000 | 2,490 |
| Gross Fiduciary activities income | $387,000 | 566 |
| Service charges on deposit accounts | $614,000 | 2,065 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $264,000 | 4,027 |
| Total noninterest expense | $3,308,000 | 3,564 |
| Salaries and employee benefits | $1,712,000 | 3,725 |
| Premises and equipment expense | $473,000 | 3,501 |
| Additional noninterest expense | $1,123,000 | 3,199 |
| Pre-tax net operating income | $605,000 | 5,988 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $200,000 | 4,419 |
| Income before extraordinary items | $406,000 | 6,333 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $406,000 | 6,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,216 |
| Cash dividends | $16,000 | 5,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $405,330 | 6,305 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,867,000 | 4,640 |
| Total interest expense | $1,058,000 | 3,974 |
| Net interest income | $1,809,000 | 4,927 |
| Provision for loan and lease losses | $78,000 | 3,781 |
| Total noninterest income | $803,000 | 2,530 |
| Gross Fiduciary activities income | $255,000 | 577 |
| Service charges on deposit accounts | $392,000 | 2,098 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $156,000 | 4,227 |
| Total noninterest expense | $2,129,000 | 3,637 |
| Salaries and employee benefits | $1,093,000 | 3,832 |
| Premises and equipment expense | $308,000 | 3,540 |
| Additional noninterest expense | $728,000 | 3,258 |
| Pre-tax net operating income | $405,000 | 5,949 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $138,000 | 4,376 |
| Income before extraordinary items | $268,000 | 6,367 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $268,000 | 6,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,379 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $267,340 | 6,321 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,415,000 | 4,653 |
| Total interest expense | $504,000 | 4,003 |
| Net interest income | $911,000 | 4,921 |
| Provision for loan and lease losses | $42,000 | 3,553 |
| Total noninterest income | $388,000 | 2,539 |
| Gross Fiduciary activities income | $132,000 | 583 |
| Service charges on deposit accounts | $189,000 | 2,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $67,000 | 4,538 |
| Total noninterest expense | $1,057,000 | 3,688 |
| Salaries and employee benefits | $544,000 | 3,836 |
| Premises and equipment expense | $149,000 | 3,665 |
| Additional noninterest expense | $364,000 | 3,259 |
| Pre-tax net operating income | $200,000 | 5,958 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $68,000 | 4,330 |
| Income before extraordinary items | $133,000 | 6,351 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $133,000 | 6,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,314 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $132,340 | 6,319 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,644,000 | 4,458 |
| Total interest expense | $1,982,000 | 3,684 |
| Net interest income | $3,662,000 | 4,763 |
| Provision for loan and lease losses | $1,166,000 | 921 |
| Total noninterest income | $1,499,000 | 2,686 |
| Gross Fiduciary activities income | $511,000 | 572 |
| Service charges on deposit accounts | $689,000 | 2,404 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $299,000 | 4,279 |
| Total noninterest expense | $4,140,000 | 3,635 |
| Salaries and employee benefits | $2,107,000 | 3,825 |
| Premises and equipment expense | $592,000 | 3,568 |
| Additional noninterest expense | $1,441,000 | 3,230 |
| Pre-tax net operating income | $-145,000 | 8,507 |
| Securities gains (losses) | $20,000 | 2,398 |
| Applicable income taxes | $-50,000 | 8,677 |
| Income before extraordinary items | $-75,000 | 8,518 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-75,000 | 8,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $889,000 | 861 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-87,800 | 8,494 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,243,000 | 4,423 |
| Total interest expense | $1,484,000 | 3,652 |
| Net interest income | $2,759,000 | 4,736 |
| Provision for loan and lease losses | $832,000 | 927 |
| Total noninterest income | $1,121,000 | 2,700 |
| Gross Fiduciary activities income | $382,000 | 568 |
| Service charges on deposit accounts | $509,000 | 2,455 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $230,000 | 4,227 |
| Total noninterest expense | $2,981,000 | 3,731 |
| Salaries and employee benefits | $1,501,000 | 3,948 |
| Premises and equipment expense | $445,000 | 3,573 |
| Additional noninterest expense | $1,035,000 | 3,325 |
| Pre-tax net operating income | $67,000 | 8,252 |
| Securities gains (losses) | $20,000 | 2,305 |
| Applicable income taxes | $16,000 | 6,628 |
| Income before extraordinary items | $71,000 | 8,219 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $71,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,191 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $54,600 | 8,262 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 4,421 |
| Total interest expense | $996,000 | 3,610 |
| Net interest income | $1,840,000 | 4,746 |
| Provision for loan and lease losses | $778,000 | 650 |
| Total noninterest income | $704,000 | 2,824 |
| Gross Fiduciary activities income | $250,000 | 575 |
| Service charges on deposit accounts | $329,000 | 2,521 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $125,000 | 4,692 |
| Total noninterest expense | $1,882,000 | 3,937 |
| Salaries and employee benefits | $926,000 | 4,223 |
| Premises and equipment expense | $299,000 | 3,561 |
| Additional noninterest expense | $657,000 | 3,470 |
| Pre-tax net operating income | $-116,000 | 8,704 |
| Securities gains (losses) | $20,000 | 2,036 |
| Applicable income taxes | $-49,000 | 8,883 |
| Income before extraordinary items | $-47,000 | 8,661 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-47,000 | 8,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 1,626 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-59,800 | 8,646 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,427,000 | 4,424 |
| Total interest expense | $510,000 | 3,582 |
| Net interest income | $917,000 | 4,762 |
| Provision for loan and lease losses | $154,000 | 1,391 |
| Total noninterest income | $329,000 | 2,925 |
| Gross Fiduciary activities income | $129,000 | 567 |
| Service charges on deposit accounts | $153,000 | 2,629 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $47,000 | 5,234 |
| Total noninterest expense | $960,000 | 3,882 |
| Salaries and employee benefits | $479,000 | 4,148 |
| Premises and equipment expense | $148,000 | 3,623 |
| Additional noninterest expense | $333,000 | 3,437 |
| Pre-tax net operating income | $132,000 | 6,696 |
| Securities gains (losses) | $15,000 | 1,841 |
| Applicable income taxes | $49,000 | 4,865 |
| Income before extraordinary items | $98,000 | 6,919 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $98,000 | 6,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 921 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $87,950 | 7,018 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,134,000 | 4,801 |
| Total interest expense | $2,080,000 | 3,908 |
| Net interest income | $3,054,000 | 5,253 |
| Provision for loan and lease losses | $555,000 | 1,989 |
| Total noninterest income | $1,365,000 | 3,027 |
| Gross Fiduciary activities income | $459,000 | 592 |
| Service charges on deposit accounts | $638,000 | 2,566 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $268,000 | 4,723 |
| Total noninterest expense | $3,936,000 | 3,758 |
| Salaries and employee benefits | $1,968,000 | 3,983 |
| Premises and equipment expense | $563,000 | 3,698 |
| Additional noninterest expense | $1,405,000 | 3,271 |
| Pre-tax net operating income | $-72,000 | 8,624 |
| Securities gains (losses) | $25,000 | 3,074 |
| Applicable income taxes | $-45,000 | 8,858 |
| Income before extraordinary items | $-2,000 | 8,630 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-2,000 | 8,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 2,384 |
| Cash dividends | $37,000 | 6,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-18,000 | 8,571 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,757,000 | 4,948 |
| Total interest expense | $1,564,000 | 4,011 |
| Net interest income | $2,193,000 | 5,404 |
| Provision for loan and lease losses | $218,000 | 3,203 |
| Total noninterest income | $1,040,000 | 3,052 |
| Gross Fiduciary activities income | $333,000 | 605 |
| Service charges on deposit accounts | $464,000 | 2,643 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $243,000 | 4,432 |
| Total noninterest expense | $2,804,000 | 3,890 |
| Salaries and employee benefits | $1,419,000 | 4,107 |
| Premises and equipment expense | $419,000 | 3,722 |
| Additional noninterest expense | $966,000 | 3,491 |
| Pre-tax net operating income | $211,000 | 7,662 |
| Securities gains (losses) | $23,000 | 2,888 |
| Applicable income taxes | $77,000 | 5,843 |
| Income before extraordinary items | $157,000 | 7,853 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $157,000 | 7,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,115 |
| Cash dividends | $37,000 | 5,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $141,590 | 7,819 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,452,000 | 5,051 |
| Total interest expense | $1,032,000 | 4,146 |
| Net interest income | $1,420,000 | 5,505 |
| Provision for loan and lease losses | $145,000 | 3,188 |
| Total noninterest income | $708,000 | 2,985 |
| Gross Fiduciary activities income | $221,000 | 611 |
| Service charges on deposit accounts | $309,000 | 2,583 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $178,000 | 4,250 |
| Total noninterest expense | $1,872,000 | 3,877 |
| Salaries and employee benefits | $956,000 | 4,054 |
| Premises and equipment expense | $275,000 | 3,745 |
| Additional noninterest expense | $641,000 | 3,502 |
| Pre-tax net operating income | $111,000 | 7,916 |
| Securities gains (losses) | $14,000 | 2,789 |
| Applicable income taxes | $41,000 | 6,076 |
| Income before extraordinary items | $84,000 | 8,106 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $84,000 | 8,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,788 |
| Cash dividends | $37,000 | 4,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $74,620 | 8,037 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,204,000 | 5,147 |
| Total interest expense | $510,000 | 4,283 |
| Net interest income | $694,000 | 5,574 |
| Provision for loan and lease losses | $91,000 | 2,487 |
| Total noninterest income | $363,000 | 2,841 |
| Gross Fiduciary activities income | $111,000 | 613 |
| Service charges on deposit accounts | $142,000 | 2,695 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 3,756 |
| Total noninterest expense | $922,000 | 3,922 |
| Salaries and employee benefits | $464,000 | 4,130 |
| Premises and equipment expense | $134,000 | 3,837 |
| Additional noninterest expense | $324,000 | 3,410 |
| Pre-tax net operating income | $44,000 | 8,082 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $15,000 | 6,300 |
| Income before extraordinary items | $36,000 | 8,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $36,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,492 |
| Cash dividends | $37,000 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $31,030 | 8,127 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,682,000 | 5,396 |
| Total interest expense | $1,959,000 | 4,852 |
| Net interest income | $2,723,000 | 5,625 |
| Provision for loan and lease losses | $230,000 | 4,063 |
| Total noninterest income | $1,346,000 | 2,837 |
| Gross Fiduciary activities income | $270,000 | 745 |
| Service charges on deposit accounts | $587,000 | 2,608 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $489,000 | 3,323 |
| Total noninterest expense | $3,695,000 | 3,781 |
| Salaries and employee benefits | $1,836,000 | 4,017 |
| Premises and equipment expense | $561,000 | 3,610 |
| Additional noninterest expense | $1,298,000 | 3,381 |
| Pre-tax net operating income | $144,000 | 8,136 |
| Securities gains (losses) | $264,000 | 988 |
| Applicable income taxes | $106,000 | 5,914 |
| Income before extraordinary items | $302,000 | 7,310 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $302,000 | 7,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,970 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $106,640 | 8,200 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,287,000 | 5,431 |
| Total interest expense | $2,704,000 | 5,115 |
| Net interest income | $2,583,000 | 5,601 |
| Provision for loan and lease losses | $159,000 | 4,667 |
| Total noninterest income | $634,000 | 4,447 |
| Gross Fiduciary activities income | $2,000 | 1,637 |
| Service charges on deposit accounts | $305,000 | 4,124 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $327,000 | 3,928 |
| Total noninterest expense | $2,822,000 | 4,553 |
| Salaries and employee benefits | $1,414,000 | 4,718 |
| Premises and equipment expense | $447,000 | 4,257 |
| Additional noninterest expense | $961,000 | 4,198 |
| Pre-tax net operating income | $236,000 | 7,704 |
| Securities gains (losses) | $127,000 | 1,550 |
| Applicable income taxes | $93,000 | 6,089 |
| Income before extraordinary items | $270,000 | 7,313 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $270,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,278 |
| Cash dividends | $150,000 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $176,020 | 7,771 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,661,000 | 5,291 |
| Total interest expense | $3,224,000 | 4,667 |
| Net interest income | $2,437,000 | 5,908 |
| Provision for loan and lease losses | $160,000 | 4,252 |
| Total noninterest income | $395,000 | 5,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 4,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,188 |
| Total noninterest expense | $2,169,000 | 5,392 |
| Salaries and employee benefits | $994,000 | 5,940 |
| Premises and equipment expense | $390,000 | 4,588 |
| Additional noninterest expense | $785,000 | 4,802 |
| Pre-tax net operating income | $503,000 | 6,985 |
| Securities gains (losses) | $13,000 | 1,082 |
| Applicable income taxes | $147,000 | 5,956 |
| Income before extraordinary items | $369,000 | 7,046 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $369,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,750 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $359,640 | 7,099 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,963,000 | 5,609 |
| Total interest expense | $2,525,000 | 5,162 |
| Net interest income | $2,438,000 | 5,890 |
| Provision for loan and lease losses | $478,000 | 1,840 |
| Total noninterest income | $323,000 | 6,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,038 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,271 |
| Total noninterest expense | $2,025,000 | 5,647 |
| Salaries and employee benefits | $860,000 | 6,492 |
| Premises and equipment expense | $341,000 | 5,061 |
| Additional noninterest expense | $824,000 | 4,679 |
| Pre-tax net operating income | $258,000 | 8,298 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $57,000 | 7,542 |
| Income before extraordinary items | $201,000 | 8,305 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $201,000 | 8,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 1,576 |
| Cash dividends | $805,000 | 2,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $201,000 | 8,268 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,181,000 | 6,318 |
| Total interest expense | $1,971,000 | 6,235 |
| Net interest income | $2,210,000 | 6,272 |
| Provision for loan and lease losses | $73,000 | 5,785 |
| Total noninterest income | $363,000 | 5,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,471 |
| Total noninterest expense | $1,859,000 | 5,859 |
| Salaries and employee benefits | $821,000 | 6,593 |
| Premises and equipment expense | $315,000 | 5,236 |
| Additional noninterest expense | $723,000 | 5,041 |
| Pre-tax net operating income | $641,000 | 6,718 |
| Securities gains (losses) | $41,000 | 1,880 |
| Applicable income taxes | $209,000 | 6,091 |
| Income before extraordinary items | $473,000 | 6,767 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $473,000 | 6,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,631 |
| Cash dividends | $294,000 | 4,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $444,710 | 6,850 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,047,000 | 6,619 |
| Total interest expense | $1,779,000 | 6,727 |
| Net interest income | $2,268,000 | 6,414 |
| Provision for loan and lease losses | $83,000 | 5,598 |
| Total noninterest income | $326,000 | 6,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 4,994 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,733 |
| Total noninterest expense | $1,774,000 | 6,127 |
| Salaries and employee benefits | $825,000 | 6,657 |
| Premises and equipment expense | $258,000 | 5,947 |
| Additional noninterest expense | $691,000 | 5,270 |
| Pre-tax net operating income | $737,000 | 6,837 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $240,000 | 6,358 |
| Income before extraordinary items | $500,000 | 6,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $500,000 | 6,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,755 |
| Cash dividends | $349,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $497,960 | 6,919 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,824,000 | 7,029 |
| Total interest expense | $1,700,000 | 7,080 |
| Net interest income | $2,124,000 | 6,906 |
| Provision for loan and lease losses | $95,000 | 5,238 |
| Total noninterest income | $289,000 | 7,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,591 |
| Total noninterest expense | $1,577,000 | 6,901 |
| Salaries and employee benefits | $756,000 | 7,224 |
| Premises and equipment expense | $216,000 | 6,756 |
| Additional noninterest expense | $605,000 | 6,322 |
| Pre-tax net operating income | $741,000 | 6,748 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $256,000 | 6,373 |
| Income before extraordinary items | $496,000 | 6,929 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $496,000 | 6,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,475 |
| Cash dividends | $248,000 | 5,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $488,740 | 6,917 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,671,000 | 7,341 |
| Total interest expense | $1,522,000 | 7,633 |
| Net interest income | $2,149,000 | 6,985 |
| Provision for loan and lease losses | $68,000 | 5,482 |
| Total noninterest income | $268,000 | 7,470 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,354 |
| Total noninterest expense | $1,596,000 | 6,989 |
| Salaries and employee benefits | $762,000 | 7,339 |
| Premises and equipment expense | $198,000 | 7,235 |
| Additional noninterest expense | $636,000 | 6,291 |
| Pre-tax net operating income | $753,000 | 7,039 |
| Securities gains (losses) | $91,000 | 999 |
| Applicable income taxes | $289,000 | 6,150 |
| Income before extraordinary items | $555,000 | 6,876 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $555,000 | 6,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,457 |
| Cash dividends | $159,000 | 5,970 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $494,940 | 7,264 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 7,909 |
| Total interest expense | $1,204,000 | 7,886 |
| Net interest income | $1,882,000 | 7,853 |
| Provision for loan and lease losses | $51,000 | 6,050 |
| Total noninterest income | $242,000 | 8,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $1,475,000 | 7,671 |
| Salaries and employee benefits | $683,000 | 8,009 |
| Premises and equipment expense | $155,000 | 8,421 |
| Additional noninterest expense | $637,000 | 6,756 |
| Pre-tax net operating income | $598,000 | 8,013 |
| Securities gains (losses) | $-30,000 | 10,653 |
| Applicable income taxes | $188,000 | 7,551 |
| Income before extraordinary items | $380,000 | 8,358 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $380,000 | 8,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,491 |
| Cash dividends | $372,000 | 3,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $400,100 | 8,241 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,790,000 | 8,681 |
| Total interest expense | $1,092,000 | 8,720 |
| Net interest income | $1,698,000 | 8,495 |
| Provision for loan and lease losses | $27,000 | 8,602 |
| Total noninterest income | $268,000 | 8,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 7,042 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,420 |
| Total noninterest expense | $1,645,000 | 7,371 |
| Salaries and employee benefits | $785,000 | 7,411 |
| Premises and equipment expense | $147,000 | 8,987 |
| Additional noninterest expense | $713,000 | 6,460 |
| Pre-tax net operating income | $294,000 | 10,290 |
| Securities gains (losses) | $345,000 | 1,176 |
| Applicable income taxes | $225,000 | 7,177 |
| Income before extraordinary items | $414,000 | 8,297 |
| Extraordinary gains, net | $301,000 | 711 |
| Net income | $715,000 | 6,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 5,491 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $189,750 | 10,551 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,092,000 | 8,812 |
| Total interest expense | $1,342,000 | 9,069 |
| Net interest income | $1,750,000 | 8,502 |
| Provision for loan and lease losses | $37,000 | 9,631 |
| Total noninterest income | $236,000 | 8,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 7,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 8,558 |
| Total noninterest expense | $1,582,000 | 7,634 |
| Salaries and employee benefits | $720,000 | 7,834 |
| Premises and equipment expense | $146,000 | 9,235 |
| Additional noninterest expense | $716,000 | 6,660 |
| Pre-tax net operating income | $367,000 | 9,524 |
| Securities gains (losses) | $108,000 | 2,882 |
| Applicable income taxes | $137,000 | 8,960 |
| Income before extraordinary items | $338,000 | 8,843 |
| Extraordinary gains, net | $150,000 | 562 |
| Net income | $488,000 | 7,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 3,815 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,110 |
| Net operating income | $261,320 | 9,396 |
* 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.