Home > Knisely Bank > Income and Expense
Knisely Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,127,000 | 7,002 |
| Total interest expense | $672,000 | 7,357 |
| Net interest income | $1,455,000 | 6,614 |
| Provision for loan and lease losses | $12,000 | 6,108 |
| Total noninterest income | $304,000 | 5,498 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $199,000 | 4,351 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $105,000 | 5,709 |
| Total noninterest expense | $1,300,000 | 6,564 |
| Salaries and employee benefits | $674,000 | 6,681 |
| Premises and equipment expense | $263,000 | 5,393 |
| Additional noninterest expense | $363,000 | 6,639 |
| Pre-tax net operating income | $447,000 | 5,973 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $447,000 | 5,597 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $447,000 | 5,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,079 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $447,000 | 5,580 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,452,000 | 6,993 |
| Total interest expense | $467,000 | 7,330 |
| Net interest income | $985,000 | 6,622 |
| Provision for loan and lease losses | $8,000 | 5,855 |
| Total noninterest income | $200,000 | 5,568 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $132,000 | 4,366 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $68,000 | 5,796 |
| Total noninterest expense | $841,000 | 6,691 |
| Salaries and employee benefits | $446,000 | 6,754 |
| Premises and equipment expense | $177,000 | 5,391 |
| Additional noninterest expense | $218,000 | 6,906 |
| Pre-tax net operating income | $336,000 | 5,839 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $336,000 | 5,414 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $336,000 | 5,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,601 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $336,000 | 5,405 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $702,000 | 7,082 |
| Total interest expense | $247,000 | 7,274 |
| Net interest income | $455,000 | 6,823 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $102,000 | 5,507 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $65,000 | 4,347 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $37,000 | 5,638 |
| Total noninterest expense | $419,000 | 6,719 |
| Salaries and employee benefits | $222,000 | 6,809 |
| Premises and equipment expense | $87,000 | 5,461 |
| Additional noninterest expense | $110,000 | 6,904 |
| Pre-tax net operating income | $132,000 | 6,275 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $132,000 | 5,904 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $132,000 | 5,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $132,000 | 5,884 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,572,000 | 7,086 |
| Total interest expense | $795,000 | 7,329 |
| Net interest income | $1,777,000 | 6,823 |
| Provision for loan and lease losses | $20,000 | 6,291 |
| Total noninterest income | $467,000 | 5,281 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $326,000 | 3,953 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $141,000 | 5,740 |
| Total noninterest expense | $1,698,000 | 6,583 |
| Salaries and employee benefits | $862,000 | 6,775 |
| Premises and equipment expense | $382,000 | 5,073 |
| Additional noninterest expense | $454,000 | 6,768 |
| Pre-tax net operating income | $526,000 | 6,399 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $526,000 | 6,056 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $526,000 | 6,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,672 |
| Cash dividends | $260,000 | 4,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $526,000 | 6,057 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,894,000 | 7,156 |
| Total interest expense | $564,000 | 7,418 |
| Net interest income | $1,330,000 | 6,916 |
| Provision for loan and lease losses | $15,000 | 6,184 |
| Total noninterest income | $365,000 | 5,204 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $251,000 | 3,943 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $114,000 | 5,606 |
| Total noninterest expense | $1,289,000 | 6,564 |
| Salaries and employee benefits | $643,000 | 6,774 |
| Premises and equipment expense | $291,000 | 5,044 |
| Additional noninterest expense | $355,000 | 6,663 |
| Pre-tax net operating income | $391,000 | 6,643 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $391,000 | 6,276 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $391,000 | 6,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,992 |
| Cash dividends | $260,000 | 3,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $391,000 | 6,277 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,239,000 | 7,203 |
| Total interest expense | $360,000 | 7,438 |
| Net interest income | $879,000 | 6,976 |
| Provision for loan and lease losses | $9,000 | 6,053 |
| Total noninterest income | $232,000 | 5,307 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $164,000 | 3,961 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 5,845 |
| Total noninterest expense | $840,000 | 6,652 |
| Salaries and employee benefits | $425,000 | 6,831 |
| Premises and equipment expense | $191,000 | 5,073 |
| Additional noninterest expense | $224,000 | 6,861 |
| Pre-tax net operating income | $262,000 | 6,695 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $262,000 | 6,294 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $262,000 | 6,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,712 |
| Cash dividends | $260,000 | 3,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $262,000 | 6,296 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $615,000 | 7,215 |
| Total interest expense | $186,000 | 7,354 |
| Net interest income | $429,000 | 7,046 |
| Provision for loan and lease losses | $5,000 | 5,672 |
| Total noninterest income | $114,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $77,000 | 4,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,687 |
| Total noninterest expense | $411,000 | 6,708 |
| Salaries and employee benefits | $203,000 | 6,957 |
| Premises and equipment expense | $94,000 | 5,139 |
| Additional noninterest expense | $114,000 | 6,766 |
| Pre-tax net operating income | $127,000 | 6,716 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $127,000 | 6,304 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $127,000 | 6,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $60,000 | 3,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $127,000 | 6,301 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,468,000 | 7,038 |
| Total interest expense | $633,000 | 7,235 |
| Net interest income | $1,835,000 | 6,849 |
| Provision for loan and lease losses | $27,000 | 6,303 |
| Total noninterest income | $369,000 | 5,889 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $236,000 | 4,695 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $133,000 | 5,931 |
| Total noninterest expense | $1,734,000 | 6,512 |
| Salaries and employee benefits | $965,000 | 6,462 |
| Premises and equipment expense | $383,000 | 4,996 |
| Additional noninterest expense | $386,000 | 7,149 |
| Pre-tax net operating income | $443,000 | 6,919 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $443,000 | 6,598 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $443,000 | 6,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,376 |
| Cash dividends | $154,000 | 5,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $443,000 | 6,573 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 7,076 |
| Total interest expense | $450,000 | 7,281 |
| Net interest income | $1,376,000 | 6,878 |
| Provision for loan and lease losses | $15,000 | 6,317 |
| Total noninterest income | $238,000 | 6,233 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $140,000 | 5,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $98,000 | 5,978 |
| Total noninterest expense | $1,277,000 | 6,558 |
| Salaries and employee benefits | $728,000 | 6,430 |
| Premises and equipment expense | $277,000 | 5,097 |
| Additional noninterest expense | $272,000 | 7,302 |
| Pre-tax net operating income | $322,000 | 7,106 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $322,000 | 6,800 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $322,000 | 6,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,839 |
| Cash dividends | $154,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $322,000 | 6,759 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,198,000 | 7,080 |
| Total interest expense | $286,000 | 7,278 |
| Net interest income | $912,000 | 6,899 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $168,000 | 6,123 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $94,000 | 5,172 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $74,000 | 5,767 |
| Total noninterest expense | $852,000 | 6,567 |
| Salaries and employee benefits | $488,000 | 6,416 |
| Premises and equipment expense | $180,000 | 5,173 |
| Additional noninterest expense | $184,000 | 7,251 |
| Pre-tax net operating income | $213,000 | 7,139 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $213,000 | 6,821 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $213,000 | 6,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,897 |
| Cash dividends | $104,000 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $213,000 | 6,770 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $594,000 | 7,122 |
| Total interest expense | $139,000 | 7,301 |
| Net interest income | $455,000 | 6,948 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $94,000 | 5,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $50,000 | 4,996 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,463 |
| Total noninterest expense | $426,000 | 6,606 |
| Salaries and employee benefits | $247,000 | 6,420 |
| Premises and equipment expense | $84,000 | 5,420 |
| Additional noninterest expense | $95,000 | 7,250 |
| Pre-tax net operating income | $116,000 | 7,013 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $116,000 | 6,641 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $116,000 | 6,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $116,000 | 6,605 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,296,000 | 7,089 |
| Total interest expense | $391,000 | 7,730 |
| Net interest income | $1,905,000 | 6,753 |
| Provision for loan and lease losses | $189,000 | 3,809 |
| Total noninterest income | $303,000 | 6,384 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $165,000 | 5,611 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $138,000 | 5,841 |
| Total noninterest expense | $1,899,000 | 6,181 |
| Salaries and employee benefits | $997,000 | 6,282 |
| Premises and equipment expense | $377,000 | 4,958 |
| Additional noninterest expense | $525,000 | 6,397 |
| Pre-tax net operating income | $120,000 | 8,045 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $120,000 | 8,012 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $120,000 | 8,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,324 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $120,000 | 7,967 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,705,000 | 7,134 |
| Total interest expense | $271,000 | 7,872 |
| Net interest income | $1,434,000 | 6,755 |
| Provision for loan and lease losses | $88,000 | 4,627 |
| Total noninterest income | $635,000 | 3,942 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $123,000 | 5,662 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $512,000 | 2,756 |
| Total noninterest expense | $1,429,000 | 6,122 |
| Salaries and employee benefits | $754,000 | 6,227 |
| Premises and equipment expense | $276,000 | 5,029 |
| Additional noninterest expense | $399,000 | 6,309 |
| Pre-tax net operating income | $552,000 | 6,095 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $552,000 | 5,569 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $552,000 | 5,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,698 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $552,000 | 5,500 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,130,000 | 7,184 |
| Total interest expense | $172,000 | 8,001 |
| Net interest income | $958,000 | 6,778 |
| Provision for loan and lease losses | $13,000 | 6,215 |
| Total noninterest income | $157,000 | 6,366 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $80,000 | 5,723 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $77,000 | 5,665 |
| Total noninterest expense | $907,000 | 6,333 |
| Salaries and employee benefits | $480,000 | 6,432 |
| Premises and equipment expense | $177,000 | 5,163 |
| Additional noninterest expense | $250,000 | 6,531 |
| Pre-tax net operating income | $195,000 | 7,223 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $195,000 | 6,952 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $195,000 | 6,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $195,000 | 6,871 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $566,000 | 7,219 |
| Total interest expense | $90,000 | 7,997 |
| Net interest income | $476,000 | 6,826 |
| Provision for loan and lease losses | $5,000 | 6,071 |
| Total noninterest income | $81,000 | 6,261 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $38,000 | 5,782 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $43,000 | 5,417 |
| Total noninterest expense | $456,000 | 6,366 |
| Salaries and employee benefits | $248,000 | 6,367 |
| Premises and equipment expense | $90,000 | 5,166 |
| Additional noninterest expense | $118,000 | 6,717 |
| Pre-tax net operating income | $96,000 | 7,218 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $96,000 | 6,961 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $96,000 | 6,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $96,000 | 6,855 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,421,000 | 7,125 |
| Total interest expense | $430,000 | 8,012 |
| Net interest income | $1,991,000 | 6,606 |
| Provision for loan and lease losses | $487,000 | 2,215 |
| Total noninterest income | $301,000 | 6,592 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $140,000 | 5,993 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $161,000 | 5,703 |
| Total noninterest expense | $1,811,000 | 6,336 |
| Salaries and employee benefits | $993,000 | 6,293 |
| Premises and equipment expense | $375,000 | 4,958 |
| Additional noninterest expense | $443,000 | 6,881 |
| Pre-tax net operating income | $-6,000 | 8,545 |
| Securities gains (losses) | $10,000 | 3,613 |
| Applicable income taxes | $6,000 | 7,166 |
| 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 | $506,000 | 1,588 |
| Cash dividends | $378,000 | 4,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-8,400 | 8,550 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,812,000 | 7,211 |
| Total interest expense | $341,000 | 8,063 |
| Net interest income | $1,471,000 | 6,694 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $231,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $105,000 | 6,036 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $126,000 | 5,660 |
| Total noninterest expense | $1,334,000 | 6,355 |
| Salaries and employee benefits | $724,000 | 6,367 |
| Premises and equipment expense | $281,000 | 4,942 |
| Additional noninterest expense | $329,000 | 6,897 |
| Pre-tax net operating income | $359,000 | 6,902 |
| Securities gains (losses) | $10,000 | 3,326 |
| Applicable income taxes | $5,000 | 7,232 |
| Income before extraordinary items | $364,000 | 6,572 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $364,000 | 6,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $378,000 | 3,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $354,100 | 6,451 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 7,201 |
| Total interest expense | $241,000 | 8,067 |
| Net interest income | $995,000 | 6,655 |
| Provision for loan and lease losses | $4,000 | 7,175 |
| Total noninterest income | $162,000 | 6,467 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $70,000 | 6,025 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $92,000 | 5,469 |
| Total noninterest expense | $887,000 | 6,382 |
| Salaries and employee benefits | $486,000 | 6,363 |
| Premises and equipment expense | $181,000 | 5,036 |
| Additional noninterest expense | $220,000 | 6,898 |
| Pre-tax net operating income | $266,000 | 6,731 |
| Securities gains (losses) | $10,000 | 2,948 |
| Applicable income taxes | $3,000 | 7,303 |
| Income before extraordinary items | $273,000 | 6,318 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $273,000 | 6,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,910 |
| Cash dividends | $342,000 | 2,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $263,100 | 6,201 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $626,000 | 7,207 |
| Total interest expense | $122,000 | 8,147 |
| Net interest income | $504,000 | 6,622 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $90,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $31,000 | 6,193 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 4,952 |
| Total noninterest expense | $433,000 | 6,470 |
| Salaries and employee benefits | $242,000 | 6,376 |
| Premises and equipment expense | $86,000 | 5,190 |
| Additional noninterest expense | $105,000 | 7,027 |
| Pre-tax net operating income | $157,000 | 6,379 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $155,000 | 5,936 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $155,000 | 5,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $60,000 | 3,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $155,000 | 5,746 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,831,000 | 7,024 |
| Total interest expense | $684,000 | 7,860 |
| Net interest income | $2,147,000 | 6,401 |
| Provision for loan and lease losses | $33,000 | 7,142 |
| Total noninterest income | $233,000 | 7,005 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $114,000 | 6,335 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $119,000 | 6,078 |
| Total noninterest expense | $1,775,000 | 6,303 |
| Salaries and employee benefits | $984,000 | 6,202 |
| Premises and equipment expense | $335,000 | 5,228 |
| Additional noninterest expense | $456,000 | 6,775 |
| Pre-tax net operating income | $572,000 | 6,509 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $7,000 | 7,388 |
| Income before extraordinary items | $565,000 | 6,123 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $565,000 | 6,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $354,000 | 4,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $565,000 | 5,965 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,047,000 | 7,211 |
| Total interest expense | $1,206,000 | 7,604 |
| Net interest income | $1,841,000 | 6,720 |
| Provision for loan and lease losses | $35,000 | 7,117 |
| Total noninterest income | $194,000 | 7,370 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $94,000 | 6,690 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $100,000 | 6,441 |
| Total noninterest expense | $1,640,000 | 6,486 |
| Salaries and employee benefits | $913,000 | 6,314 |
| Premises and equipment expense | $305,000 | 5,469 |
| Additional noninterest expense | $422,000 | 6,970 |
| Pre-tax net operating income | $360,000 | 7,147 |
| Securities gains (losses) | $64,000 | 2,136 |
| Applicable income taxes | $15,000 | 7,441 |
| Income before extraordinary items | $409,000 | 6,531 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $409,000 | 6,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $270,000 | 4,556 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 459 |
| Net operating income | $347,560 | 6,731 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,107,000 | 7,303 |
| Total interest expense | $1,378,000 | 7,392 |
| Net interest income | $1,729,000 | 7,054 |
| Provision for loan and lease losses | $19,000 | 7,668 |
| Total noninterest income | $200,000 | 7,270 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 6,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,039 |
| Total noninterest expense | $1,537,000 | 6,654 |
| Salaries and employee benefits | $865,000 | 6,437 |
| Premises and equipment expense | $299,000 | 5,432 |
| Additional noninterest expense | $373,000 | 7,382 |
| Pre-tax net operating income | $373,000 | 7,588 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $373,000 | 7,019 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $373,000 | 7,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $78,000 | 6,152 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 604 |
| Net operating income | $373,000 | 7,018 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,616,000 | 7,780 |
| Total interest expense | $1,037,000 | 8,088 |
| Net interest income | $1,579,000 | 7,437 |
| Provision for loan and lease losses | $175,000 | 3,893 |
| Total noninterest income | $169,000 | 7,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 6,628 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,576 |
| Total noninterest expense | $1,506,000 | 6,768 |
| Salaries and employee benefits | $820,000 | 6,661 |
| Premises and equipment expense | $290,000 | 5,573 |
| Additional noninterest expense | $396,000 | 7,310 |
| Pre-tax net operating income | $67,000 | 9,187 |
| Securities gains (losses) | $-9,000 | 9,275 |
| Applicable income taxes | $6,000 | 8,581 |
| Income before extraordinary items | $52,000 | 9,232 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $52,000 | 9,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,692 |
| Cash dividends | $78,000 | 6,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $60,100 | 9,162 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,325,000 | 8,282 |
| Total interest expense | $996,000 | 8,436 |
| Net interest income | $1,329,000 | 8,050 |
| Provision for loan and lease losses | $55,000 | 6,428 |
| Total noninterest income | $138,000 | 8,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 7,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,090 |
| Total noninterest expense | $1,284,000 | 7,299 |
| Salaries and employee benefits | $707,000 | 7,143 |
| Premises and equipment expense | $246,000 | 6,015 |
| Additional noninterest expense | $331,000 | 7,830 |
| Pre-tax net operating income | $128,000 | 9,291 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $3,000 | 9,247 |
| Income before extraordinary items | $125,000 | 9,150 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $125,000 | 9,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,174 |
| Cash dividends | $78,000 | 6,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $125,000 | 9,076 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,109,000 | 8,879 |
| Total interest expense | $836,000 | 9,144 |
| Net interest income | $1,273,000 | 8,528 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $112,000 | 9,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 7,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,946 |
| Total noninterest expense | $1,238,000 | 7,541 |
| Salaries and employee benefits | $647,000 | 7,623 |
| Premises and equipment expense | $236,000 | 6,266 |
| Additional noninterest expense | $355,000 | 7,755 |
| Pre-tax net operating income | $111,000 | 10,022 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-11,000 | 10,523 |
| Income before extraordinary items | $122,000 | 9,819 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $122,000 | 9,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $78,000 | 6,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $122,000 | 9,773 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,972,000 | 9,412 |
| Total interest expense | $765,000 | 9,754 |
| Net interest income | $1,207,000 | 9,015 |
| Provision for loan and lease losses | $13,000 | 8,331 |
| Total noninterest income | $171,000 | 8,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 8,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,619 |
| Total noninterest expense | $1,087,000 | 8,374 |
| Salaries and employee benefits | $584,000 | 8,233 |
| Premises and equipment expense | $191,000 | 7,191 |
| Additional noninterest expense | $312,000 | 8,741 |
| Pre-tax net operating income | $278,000 | 9,274 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $80,000 | 9,145 |
| Income before extraordinary items | $200,000 | 9,298 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $200,000 | 9,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,952 |
| Cash dividends | $72,000 | 7,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $198,580 | 9,260 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,867,000 | 9,939 |
| Total interest expense | $739,000 | 10,165 |
| Net interest income | $1,128,000 | 9,547 |
| Provision for loan and lease losses | $3,000 | 8,797 |
| Total noninterest income | $114,000 | 9,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 9,088 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,803 |
| Total noninterest expense | $945,000 | 9,185 |
| Salaries and employee benefits | $483,000 | 9,260 |
| Premises and equipment expense | $172,000 | 7,765 |
| Additional noninterest expense | $290,000 | 9,342 |
| Pre-tax net operating income | $294,000 | 9,785 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $87,000 | 9,448 |
| Income before extraordinary items | $207,000 | 9,853 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $207,000 | 9,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $72,000 | 7,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $207,000 | 9,825 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,730,000 | 10,303 |
| Total interest expense | $596,000 | 10,623 |
| Net interest income | $1,134,000 | 9,954 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $91,000 | 10,969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 9,442 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,550 |
| Total noninterest expense | $972,000 | 9,470 |
| Salaries and employee benefits | $524,000 | 9,175 |
| Premises and equipment expense | $153,000 | 8,471 |
| Additional noninterest expense | $295,000 | 10,024 |
| Pre-tax net operating income | $253,000 | 10,463 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $74,000 | 9,948 |
| Income before extraordinary items | $181,000 | 10,486 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $181,000 | 10,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $1,041,000 | 1,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $179,580 | 10,551 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,835,000 | 10,521 |
| Total interest expense | $660,000 | 10,825 |
| Net interest income | $1,175,000 | 10,147 |
| Provision for loan and lease losses | $2,000 | 10,273 |
| Total noninterest income | $105,000 | 11,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $940,000 | 10,016 |
| Salaries and employee benefits | $519,000 | 9,467 |
| Premises and equipment expense | $156,000 | 8,751 |
| Additional noninterest expense | $265,000 | 10,891 |
| Pre-tax net operating income | $338,000 | 9,908 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $102,000 | 9,679 |
| Income before extraordinary items | $241,000 | 10,150 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $241,000 | 10,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $72,000 | 7,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $237,500 | 9,938 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 10,721 |
| Total interest expense | $917,000 | 10,782 |
| Net interest income | $1,170,000 | 10,429 |
| Provision for loan and lease losses | $24,000 | 10,335 |
| Total noninterest income | $104,000 | 11,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 10,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,600 |
| Total noninterest expense | $916,000 | 10,388 |
| Salaries and employee benefits | $491,000 | 9,868 |
| Premises and equipment expense | $144,000 | 9,299 |
| Additional noninterest expense | $281,000 | 11,114 |
| Pre-tax net operating income | $334,000 | 9,829 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $99,000 | 9,950 |
| Income before extraordinary items | $235,000 | 10,099 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $235,000 | 10,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $66,000 | 7,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $235,000 | 9,746 |
* 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.