Home > Keystone Nazareth Bank & Trust Company > Income and Expense
Keystone Nazareth Bank & Trust Company, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $151,055,000 | 314 |
| Total interest expense | $80,672,000 | 276 |
| Net interest income | $70,383,000 | 352 |
| Provision for loan and lease losses | $2,678,000 | 672 |
| Total noninterest income | $36,784,000 | 243 |
| Gross Fiduciary activities income | $5,751,000 | 148 |
| Service charges on deposit accounts | $6,813,000 | 276 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $24,220,000 | 229 |
| Total noninterest expense | $74,293,000 | 280 |
| Salaries and employee benefits | $43,283,000 | 229 |
| Premises and equipment expense | $11,602,000 | 235 |
| Additional noninterest expense | $19,408,000 | 354 |
| Pre-tax net operating income | $30,196,000 | 349 |
| Securities gains (losses) | $-1,622,000 | 8,448 |
| Applicable income taxes | $8,687,000 | 365 |
| Income before extraordinary items | $19,887,000 | 362 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $19,887,000 | 359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $931,000 | 1,087 |
| Cash dividends | $67,000,000 | 115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $21,022,400 | 343 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $112,620,000 | 317 |
| Total interest expense | $59,410,000 | 281 |
| Net interest income | $53,210,000 | 350 |
| Provision for loan and lease losses | $1,458,000 | 667 |
| Total noninterest income | $27,386,000 | 242 |
| Gross Fiduciary activities income | $4,325,000 | 145 |
| Service charges on deposit accounts | $5,025,000 | 274 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $18,036,000 | 233 |
| Total noninterest expense | $54,810,000 | 276 |
| Salaries and employee benefits | $31,714,000 | 240 |
| Premises and equipment expense | $8,612,000 | 233 |
| Additional noninterest expense | $14,484,000 | 338 |
| Pre-tax net operating income | $24,328,000 | 355 |
| Securities gains (losses) | $-1,622,000 | 8,506 |
| Applicable income taxes | $6,973,000 | 379 |
| Income before extraordinary items | $15,733,000 | 378 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $15,733,000 | 376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 1,298 |
| Cash dividends | $53,000,000 | 106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $16,852,180 | 357 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $74,772,000 | 326 |
| Total interest expense | $38,961,000 | 291 |
| Net interest income | $35,811,000 | 356 |
| Provision for loan and lease losses | $645,000 | 825 |
| Total noninterest income | $18,141,000 | 262 |
| Gross Fiduciary activities income | $2,801,000 | 153 |
| Service charges on deposit accounts | $3,304,000 | 280 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $12,036,000 | 252 |
| Total noninterest expense | $36,329,000 | 286 |
| Salaries and employee benefits | $21,108,000 | 247 |
| Premises and equipment expense | $5,791,000 | 243 |
| Additional noninterest expense | $9,430,000 | 353 |
| Pre-tax net operating income | $16,978,000 | 363 |
| Securities gains (losses) | $-1,623,000 | 8,573 |
| Applicable income taxes | $4,731,000 | 402 |
| Income before extraordinary items | $10,624,000 | 401 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $10,624,000 | 400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 872 |
| Cash dividends | $43,000,000 | 104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $11,743,870 | 370 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $37,062,000 | 326 |
| Total interest expense | $19,188,000 | 294 |
| Net interest income | $17,874,000 | 354 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $9,030,000 | 258 |
| Gross Fiduciary activities income | $1,434,000 | 148 |
| Service charges on deposit accounts | $1,600,000 | 276 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $5,996,000 | 243 |
| Total noninterest expense | $17,746,000 | 289 |
| Salaries and employee benefits | $10,548,000 | 251 |
| Premises and equipment expense | $2,888,000 | 246 |
| Additional noninterest expense | $4,310,000 | 376 |
| Pre-tax net operating income | $9,158,000 | 344 |
| Securities gains (losses) | $536,000 | 111 |
| Applicable income taxes | $3,071,000 | 336 |
| Income before extraordinary items | $6,623,000 | 338 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $6,623,000 | 337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 497 |
| Cash dividends | $12,000,000 | 117 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $6,258,520 | 347 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $148,409,000 | 305 |
| Total interest expense | $73,555,000 | 266 |
| Net interest income | $74,854,000 | 328 |
| Provision for loan and lease losses | $3,329,000 | 348 |
| Total noninterest income | $38,295,000 | 239 |
| Gross Fiduciary activities income | $4,967,000 | 155 |
| Service charges on deposit accounts | $5,998,000 | 297 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $27,330,000 | 213 |
| Total noninterest expense | $72,671,000 | 270 |
| Salaries and employee benefits | $40,792,000 | 237 |
| Premises and equipment expense | $12,011,000 | 218 |
| Additional noninterest expense | $19,868,000 | 328 |
| Pre-tax net operating income | $37,149,000 | 338 |
| Securities gains (losses) | $2,038,000 | 109 |
| Applicable income taxes | $12,064,000 | 342 |
| Income before extraordinary items | $27,123,000 | 336 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $27,123,000 | 334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,249,000 | 348 |
| Cash dividends | $48,000,000 | 147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $25,716,780 | 343 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $110,665,000 | 317 |
| Total interest expense | $54,056,000 | 278 |
| Net interest income | $56,609,000 | 341 |
| Provision for loan and lease losses | $2,315,000 | 348 |
| Total noninterest income | $26,086,000 | 265 |
| Gross Fiduciary activities income | $3,608,000 | 162 |
| Service charges on deposit accounts | $4,451,000 | 303 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,027,000 | 247 |
| Total noninterest expense | $54,115,000 | 287 |
| Salaries and employee benefits | $30,496,000 | 249 |
| Premises and equipment expense | $9,174,000 | 225 |
| Additional noninterest expense | $14,445,000 | 340 |
| Pre-tax net operating income | $26,265,000 | 374 |
| Securities gains (losses) | $2,034,000 | 91 |
| Applicable income taxes | $8,578,000 | 377 |
| Income before extraordinary items | $19,721,000 | 363 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $19,721,000 | 362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,649,000 | 311 |
| Cash dividends | $45,000,000 | 116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $18,297,200 | 376 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $72,920,000 | 317 |
| Total interest expense | $34,861,000 | 279 |
| Net interest income | $38,059,000 | 341 |
| Provision for loan and lease losses | $1,950,000 | 280 |
| Total noninterest income | $17,507,000 | 265 |
| Gross Fiduciary activities income | $2,394,000 | 169 |
| Service charges on deposit accounts | $2,884,000 | 309 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,229,000 | 250 |
| Total noninterest expense | $36,146,000 | 288 |
| Salaries and employee benefits | $20,065,000 | 260 |
| Premises and equipment expense | $6,079,000 | 231 |
| Additional noninterest expense | $10,002,000 | 346 |
| Pre-tax net operating income | $17,470,000 | 377 |
| Securities gains (losses) | $1,604,000 | 79 |
| Applicable income taxes | $5,669,000 | 381 |
| Income before extraordinary items | $13,405,000 | 355 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $13,405,000 | 354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,314,000 | 280 |
| Cash dividends | $35,000,000 | 103 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $12,282,200 | 375 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $36,267,000 | 315 |
| Total interest expense | $17,208,000 | 271 |
| Net interest income | $19,059,000 | 339 |
| Provision for loan and lease losses | $750,000 | 338 |
| Total noninterest income | $8,670,000 | 268 |
| Gross Fiduciary activities income | $1,063,000 | 181 |
| Service charges on deposit accounts | $1,402,000 | 306 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,205,000 | 249 |
| Total noninterest expense | $17,979,000 | 287 |
| Salaries and employee benefits | $9,816,000 | 264 |
| Premises and equipment expense | $3,061,000 | 229 |
| Additional noninterest expense | $5,102,000 | 330 |
| Pre-tax net operating income | $9,000,000 | 360 |
| Securities gains (losses) | $117,000 | 234 |
| Applicable income taxes | $2,636,000 | 396 |
| Income before extraordinary items | $6,481,000 | 356 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,481,000 | 355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $751,000 | 251 |
| Cash dividends | $20,000,000 | 83 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $6,397,930 | 352 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $131,828,000 | 305 |
| Total interest expense | $58,580,000 | 247 |
| Net interest income | $73,248,000 | 337 |
| Provision for loan and lease losses | $2,780,000 | 384 |
| Total noninterest income | $25,149,000 | 334 |
| Gross Fiduciary activities income | $2,064,000 | 265 |
| Service charges on deposit accounts | $5,443,000 | 315 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $17,642,000 | 309 |
| Total noninterest expense | $62,628,000 | 319 |
| Salaries and employee benefits | $35,044,000 | 273 |
| Premises and equipment expense | $10,356,000 | 256 |
| Additional noninterest expense | $17,228,000 | 383 |
| Pre-tax net operating income | $32,989,000 | 376 |
| Securities gains (losses) | $1,190,000 | 178 |
| Applicable income taxes | $10,674,000 | 383 |
| Income before extraordinary items | $23,505,000 | 376 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $23,505,000 | 377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,558,000 | 319 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $22,683,900 | 377 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $94,698,000 | 307 |
| Total interest expense | $40,751,000 | 250 |
| Net interest income | $53,947,000 | 337 |
| Provision for loan and lease losses | $1,928,000 | 395 |
| Total noninterest income | $17,641,000 | 356 |
| Gross Fiduciary activities income | $1,427,000 | 273 |
| Service charges on deposit accounts | $3,947,000 | 317 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,267,000 | 320 |
| Total noninterest expense | $45,418,000 | 323 |
| Salaries and employee benefits | $25,512,000 | 287 |
| Premises and equipment expense | $7,382,000 | 268 |
| Additional noninterest expense | $12,524,000 | 378 |
| Pre-tax net operating income | $24,242,000 | 378 |
| Securities gains (losses) | $1,146,000 | 171 |
| Applicable income taxes | $8,122,000 | 380 |
| Income before extraordinary items | $17,266,000 | 375 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $17,266,000 | 376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,916,000 | 301 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $16,486,720 | 383 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $58,249,000 | 312 |
| Total interest expense | $24,534,000 | 260 |
| Net interest income | $33,715,000 | 352 |
| Provision for loan and lease losses | $1,268,000 | 393 |
| Total noninterest income | $10,328,000 | 391 |
| Gross Fiduciary activities income | $818,000 | 306 |
| Service charges on deposit accounts | $2,427,000 | 336 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $7,083,000 | 337 |
| Total noninterest expense | $28,322,000 | 341 |
| Salaries and employee benefits | $16,169,000 | 295 |
| Premises and equipment expense | $4,520,000 | 285 |
| Additional noninterest expense | $7,633,000 | 400 |
| Pre-tax net operating income | $14,453,000 | 404 |
| Securities gains (losses) | $876,000 | 167 |
| Applicable income taxes | $4,118,000 | 451 |
| Income before extraordinary items | $11,211,000 | 383 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $11,211,000 | 383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,250,000 | 309 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $10,571,520 | 393 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $26,745,000 | 327 |
| Total interest expense | $10,891,000 | 267 |
| Net interest income | $15,854,000 | 365 |
| Provision for loan and lease losses | $734,000 | 341 |
| Total noninterest income | $3,920,000 | 446 |
| Gross Fiduciary activities income | $398,000 | 309 |
| Service charges on deposit accounts | $1,106,000 | 363 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,416,000 | 430 |
| Total noninterest expense | $12,549,000 | 368 |
| Salaries and employee benefits | $7,282,000 | 326 |
| Premises and equipment expense | $2,080,000 | 304 |
| Additional noninterest expense | $3,187,000 | 443 |
| Pre-tax net operating income | $6,491,000 | 438 |
| Securities gains (losses) | $417,000 | 162 |
| Applicable income taxes | $1,777,000 | 498 |
| Income before extraordinary items | $5,131,000 | 393 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $5,131,000 | 393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $745,000 | 268 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $4,822,420 | 402 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $96,336,000 | 332 |
| Total interest expense | $33,720,000 | 280 |
| Net interest income | $62,616,000 | 358 |
| Provision for loan and lease losses | $4,308,000 | 288 |
| Total noninterest income | $14,616,000 | 471 |
| Gross Fiduciary activities income | $1,545,000 | 297 |
| Service charges on deposit accounts | $4,480,000 | 382 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,591,000 | 458 |
| Total noninterest expense | $49,948,000 | 369 |
| Salaries and employee benefits | $27,771,000 | 331 |
| Premises and equipment expense | $8,128,000 | 295 |
| Additional noninterest expense | $14,049,000 | 423 |
| Pre-tax net operating income | $22,976,000 | 451 |
| Securities gains (losses) | $274,000 | 678 |
| Applicable income taxes | $5,566,000 | 562 |
| Income before extraordinary items | $17,684,000 | 420 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $17,684,000 | 421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,757,000 | 509 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $17,475,760 | 413 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $69,660,000 | 335 |
| Total interest expense | $23,141,000 | 295 |
| Net interest income | $46,519,000 | 358 |
| Provision for loan and lease losses | $3,213,000 | 300 |
| Total noninterest income | $10,515,000 | 492 |
| Gross Fiduciary activities income | $1,088,000 | 310 |
| Service charges on deposit accounts | $3,362,000 | 390 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,065,000 | 478 |
| Total noninterest expense | $37,250,000 | 378 |
| Salaries and employee benefits | $20,911,000 | 333 |
| Premises and equipment expense | $5,919,000 | 306 |
| Additional noninterest expense | $10,420,000 | 423 |
| Pre-tax net operating income | $16,571,000 | 462 |
| Securities gains (losses) | $274,000 | 633 |
| Applicable income taxes | $4,084,000 | 573 |
| Income before extraordinary items | $12,761,000 | 436 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $12,761,000 | 436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,218,000 | 495 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $12,552,760 | 427 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $45,080,000 | 339 |
| Total interest expense | $14,292,000 | 311 |
| Net interest income | $30,788,000 | 357 |
| Provision for loan and lease losses | $2,471,000 | 274 |
| Total noninterest income | $7,178,000 | 480 |
| Gross Fiduciary activities income | $725,000 | 316 |
| Service charges on deposit accounts | $2,322,000 | 366 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,131,000 | 476 |
| Total noninterest expense | $24,629,000 | 372 |
| Salaries and employee benefits | $14,039,000 | 328 |
| Premises and equipment expense | $3,648,000 | 322 |
| Additional noninterest expense | $6,942,000 | 412 |
| Pre-tax net operating income | $10,866,000 | 459 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,649,000 | 581 |
| Income before extraordinary items | $8,217,000 | 443 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,217,000 | 443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $862,000 | 479 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $8,217,000 | 428 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $22,169,000 | 347 |
| Total interest expense | $6,868,000 | 327 |
| Net interest income | $15,301,000 | 367 |
| Provision for loan and lease losses | $1,500,000 | 231 |
| Total noninterest income | $3,918,000 | 455 |
| Gross Fiduciary activities income | $354,000 | 315 |
| Service charges on deposit accounts | $1,312,000 | 321 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,252,000 | 443 |
| Total noninterest expense | $12,371,000 | 374 |
| Salaries and employee benefits | $7,150,000 | 329 |
| Premises and equipment expense | $1,775,000 | 341 |
| Additional noninterest expense | $3,446,000 | 417 |
| Pre-tax net operating income | $5,348,000 | 455 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,294,000 | 599 |
| Income before extraordinary items | $4,054,000 | 459 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $4,054,000 | 458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $410,000 | 485 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $4,054,000 | 424 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $59,237,000 | 486 |
| Total interest expense | $21,208,000 | 438 |
| Net interest income | $38,029,000 | 515 |
| Provision for loan and lease losses | $2,952,000 | 484 |
| Total noninterest income | $8,034,000 | 779 |
| Gross Fiduciary activities income | $279,000 | 725 |
| Service charges on deposit accounts | $4,000,000 | 424 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,755,000 | 938 |
| Total noninterest expense | $37,809,000 | 479 |
| Salaries and employee benefits | $17,539,000 | 502 |
| Premises and equipment expense | $4,210,000 | 547 |
| Additional noninterest expense | $16,060,000 | 387 |
| Pre-tax net operating income | $5,302,000 | 1,541 |
| Securities gains (losses) | $-249,000 | 9,095 |
| Applicable income taxes | $365,000 | 3,956 |
| Income before extraordinary items | $4,688,000 | 1,359 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,688,000 | 1,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,516,000 | 678 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,919,570 | 1,230 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $41,055,000 | 544 |
| Total interest expense | $14,952,000 | 487 |
| Net interest income | $26,103,000 | 562 |
| Provision for loan and lease losses | $856,000 | 1,027 |
| Total noninterest income | $5,235,000 | 895 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,695,000 | 484 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,540,000 | 1,038 |
| Total noninterest expense | $20,686,000 | 626 |
| Salaries and employee benefits | $11,237,000 | 595 |
| Premises and equipment expense | $2,764,000 | 627 |
| Additional noninterest expense | $6,685,000 | 618 |
| Pre-tax net operating income | $9,796,000 | 699 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $2,467,000 | 906 |
| Income before extraordinary items | $7,331,000 | 700 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,331,000 | 701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $842,000 | 784 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,329,500 | 654 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $27,805,000 | 539 |
| Total interest expense | $10,294,000 | 487 |
| Net interest income | $17,511,000 | 562 |
| Provision for loan and lease losses | $388,000 | 1,446 |
| Total noninterest income | $3,566,000 | 862 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,750,000 | 496 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,816,000 | 976 |
| Total noninterest expense | $13,127,000 | 648 |
| Salaries and employee benefits | $7,093,000 | 625 |
| Premises and equipment expense | $1,802,000 | 642 |
| Additional noninterest expense | $4,232,000 | 645 |
| Pre-tax net operating income | $7,562,000 | 611 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $1,989,000 | 769 |
| Income before extraordinary items | $5,575,000 | 623 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,575,000 | 622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 842 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,573,520 | 575 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $14,198,000 | 536 |
| Total interest expense | $5,303,000 | 490 |
| Net interest income | $8,895,000 | 559 |
| Provision for loan and lease losses | $62,000 | 3,213 |
| Total noninterest income | $1,757,000 | 862 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $838,000 | 501 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $919,000 | 948 |
| Total noninterest expense | $6,541,000 | 642 |
| Salaries and employee benefits | $3,544,000 | 622 |
| Premises and equipment expense | $888,000 | 655 |
| Additional noninterest expense | $2,109,000 | 637 |
| Pre-tax net operating income | $4,049,000 | 580 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,100,000 | 731 |
| Income before extraordinary items | $2,949,000 | 597 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,949,000 | 595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 699 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,949,000 | 558 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $59,645,000 | 533 |
| Total interest expense | $26,416,000 | 453 |
| Net interest income | $33,229,000 | 578 |
| Provision for loan and lease losses | $111,000 | 5,538 |
| Total noninterest income | $7,973,000 | 728 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,555,000 | 641 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,418,000 | 650 |
| Total noninterest expense | $23,894,000 | 682 |
| Salaries and employee benefits | $12,612,000 | 646 |
| Premises and equipment expense | $2,758,000 | 794 |
| Additional noninterest expense | $8,524,000 | 636 |
| Pre-tax net operating income | $17,197,000 | 527 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $5,188,000 | 577 |
| Income before extraordinary items | $12,010,000 | 553 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $12,010,000 | 555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $570,000 | 1,491 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $12,009,300 | 524 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $60,682,000 | 585 |
| Total interest expense | $34,064,000 | 510 |
| Net interest income | $26,618,000 | 671 |
| Provision for loan and lease losses | $391,000 | 2,669 |
| Total noninterest income | $4,552,000 | 1,075 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,748,000 | 847 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,804,000 | 996 |
| Total noninterest expense | $19,377,000 | 779 |
| Salaries and employee benefits | $10,313,000 | 725 |
| Premises and equipment expense | $2,415,000 | 868 |
| Additional noninterest expense | $6,649,000 | 765 |
| Pre-tax net operating income | $11,402,000 | 679 |
| Securities gains (losses) | $35,000 | 2,695 |
| Applicable income taxes | $3,326,000 | 768 |
| Income before extraordinary items | $8,111,000 | 693 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $8,111,000 | 695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 2,041 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $8,086,150 | 670 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $57,976,000 | 633 |
| Total interest expense | $31,141,000 | 601 |
| Net interest income | $26,835,000 | 664 |
| Provision for loan and lease losses | $442,000 | 2,093 |
| Total noninterest income | $2,784,000 | 1,443 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,151,000 | 618 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $633,000 | 2,553 |
| Total noninterest expense | $18,024,000 | 812 |
| Salaries and employee benefits | $9,322,000 | 754 |
| Premises and equipment expense | $1,866,000 | 1,071 |
| Additional noninterest expense | $6,836,000 | 752 |
| Pre-tax net operating income | $11,153,000 | 709 |
| Securities gains (losses) | $82,000 | 610 |
| Applicable income taxes | $3,718,000 | 686 |
| Income before extraordinary items | $7,517,000 | 728 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,517,000 | 728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,357 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $7,462,060 | 728 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $52,292,000 | 669 |
| Total interest expense | $26,846,000 | 619 |
| Net interest income | $25,446,000 | 716 |
| Provision for loan and lease losses | $421,000 | 2,013 |
| Total noninterest income | $2,281,000 | 1,693 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,658,000 | 801 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $623,000 | 2,569 |
| Total noninterest expense | $15,514,000 | 916 |
| Salaries and employee benefits | $7,616,000 | 906 |
| Premises and equipment expense | $1,921,000 | 1,055 |
| Additional noninterest expense | $5,977,000 | 847 |
| Pre-tax net operating income | $11,792,000 | 712 |
| Securities gains (losses) | $-295,000 | 10,074 |
| Applicable income taxes | $3,475,000 | 783 |
| Income before extraordinary items | $8,022,000 | 734 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,022,000 | 734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 1,789 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,228,500 | 704 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $50,399,000 | 676 |
| Total interest expense | $27,989,000 | 607 |
| Net interest income | $22,410,000 | 771 |
| Provision for loan and lease losses | $281,000 | 2,766 |
| Total noninterest income | $1,953,000 | 1,875 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,197,000 | 1,040 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $756,000 | 2,254 |
| Total noninterest expense | $15,465,000 | 903 |
| Salaries and employee benefits | $7,588,000 | 866 |
| Premises and equipment expense | $1,993,000 | 972 |
| Additional noninterest expense | $5,884,000 | 858 |
| Pre-tax net operating income | $8,617,000 | 914 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $3,317,000 | 797 |
| Income before extraordinary items | $5,299,000 | 1,016 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,299,000 | 1,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,605 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,299,640 | 979 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $46,826,000 | 737 |
| Total interest expense | $26,069,000 | 645 |
| Net interest income | $20,757,000 | 862 |
| Provision for loan and lease losses | $298,000 | 2,656 |
| Total noninterest income | $1,385,000 | 2,351 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $856,000 | 1,510 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $529,000 | 2,712 |
| Total noninterest expense | $13,895,000 | 984 |
| Salaries and employee benefits | $6,849,000 | 962 |
| Premises and equipment expense | $2,071,000 | 963 |
| Additional noninterest expense | $4,975,000 | 970 |
| Pre-tax net operating income | $7,949,000 | 1,031 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $3,042,000 | 920 |
| Income before extraordinary items | $4,911,000 | 1,137 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,911,000 | 1,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,908,440 | 1,108 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $43,179,000 | 822 |
| Total interest expense | $23,827,000 | 735 |
| Net interest income | $19,352,000 | 949 |
| Provision for loan and lease losses | $338,000 | 2,376 |
| Total noninterest income | $1,095,000 | 2,901 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $554,000 | 2,461 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $541,000 | 2,760 |
| Total noninterest expense | $15,896,000 | 956 |
| Salaries and employee benefits | $5,761,000 | 1,167 |
| Premises and equipment expense | $1,949,000 | 1,083 |
| Additional noninterest expense | $8,186,000 | 787 |
| Pre-tax net operating income | $4,213,000 | 1,709 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,601,000 | 1,507 |
| Income before extraordinary items | $2,612,000 | 1,890 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,612,000 | 1,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,612,000 | 1,855 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $39,556,000 | 919 |
| Total interest expense | $21,291,000 | 837 |
| Net interest income | $18,265,000 | 1,008 |
| Provision for loan and lease losses | $400,000 | 1,857 |
| Total noninterest income | $970,000 | 3,173 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $426,000 | 3,154 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $544,000 | 2,717 |
| Total noninterest expense | $11,115,000 | 1,288 |
| Salaries and employee benefits | $5,053,000 | 1,310 |
| Premises and equipment expense | $1,430,000 | 1,442 |
| Additional noninterest expense | $4,632,000 | 1,191 |
| Pre-tax net operating income | $7,720,000 | 1,010 |
| Securities gains (losses) | $27,000 | 1,701 |
| Applicable income taxes | $2,561,000 | 1,027 |
| Income before extraordinary items | $5,186,000 | 1,035 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,186,000 | 1,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,093 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,167,910 | 1,023 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $34,361,000 | 932 |
| Total interest expense | $16,303,000 | 853 |
| Net interest income | $18,058,000 | 1,022 |
| Provision for loan and lease losses | $85,000 | 4,903 |
| Total noninterest income | $620,000 | 4,548 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $312,000 | 4,229 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $308,000 | 4,017 |
| Total noninterest expense | $9,372,000 | 1,565 |
| Salaries and employee benefits | $4,050,000 | 1,649 |
| Premises and equipment expense | $1,152,000 | 1,784 |
| Additional noninterest expense | $4,170,000 | 1,366 |
| Pre-tax net operating income | $9,221,000 | 848 |
| Securities gains (losses) | $30,000 | 1,467 |
| Applicable income taxes | $3,491,000 | 762 |
| Income before extraordinary items | $5,760,000 | 904 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,760,000 | 902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,740,800 | 912 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $35,091,000 | 923 |
| Total interest expense | $17,080,000 | 822 |
| Net interest income | $18,011,000 | 1,018 |
| Provision for loan and lease losses | $52,000 | 7,360 |
| Total noninterest income | $645,000 | 4,713 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $306,000 | 4,349 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $339,000 | 4,184 |
| Total noninterest expense | $8,864,000 | 1,709 |
| Salaries and employee benefits | $4,011,000 | 1,686 |
| Premises and equipment expense | $1,059,000 | 1,952 |
| Additional noninterest expense | $3,794,000 | 1,592 |
| Pre-tax net operating income | $9,740,000 | 750 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $3,205,000 | 810 |
| Income before extraordinary items | $6,545,000 | 797 |
| Extraordinary gains, net | $404,000 | 551 |
| Net income | $6,949,000 | 779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,538,300 | 749 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $37,925,000 | 987 |
| Total interest expense | $21,167,000 | 871 |
| Net interest income | $16,758,000 | 1,110 |
| Provision for loan and lease losses | $245,000 | 4,644 |
| Total noninterest income | $625,000 | 4,824 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $280,000 | 4,692 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $345,000 | 4,073 |
| Total noninterest expense | $8,171,000 | 1,852 |
| Salaries and employee benefits | $3,899,000 | 1,708 |
| Premises and equipment expense | $939,000 | 2,219 |
| Additional noninterest expense | $3,333,000 | 1,820 |
| Pre-tax net operating income | $8,967,000 | 723 |
| Securities gains (losses) | $68,000 | 3,635 |
| Applicable income taxes | $3,681,000 | 642 |
| Income before extraordinary items | $5,354,000 | 892 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,354,000 | 894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 3,718 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,310,480 | 821 |
* 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.