Home > Lake Country State Bank > Income and Expense
Lake Country State Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,347,000 | 7,982 |
| Total interest expense | $599,000 | 7,804 |
| Net interest income | $748,000 | 8,034 |
| Provision for loan and lease losses | $110,000 | 4,771 |
| Total noninterest income | $100,000 | 7,555 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $69,000 | 6,461 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $31,000 | 7,517 |
| Total noninterest expense | $700,000 | 8,088 |
| Salaries and employee benefits | $309,000 | 8,255 |
| Premises and equipment expense | $119,000 | 7,563 |
| Additional noninterest expense | $272,000 | 7,677 |
| Pre-tax net operating income | $38,000 | 7,324 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $38,000 | 7,370 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $38,000 | 7,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,999 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $38,000 | 7,339 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $199,000 | 8,502 |
| Total interest expense | $74,000 | 8,429 |
| Net interest income | $125,000 | 8,515 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $12,000 | 8,321 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $8,000 | 7,322 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,000 | 8,224 |
| Total noninterest expense | $88,000 | 8,543 |
| Salaries and employee benefits | $45,000 | 8,528 |
| Premises and equipment expense | $26,000 | 8,367 |
| Additional noninterest expense | $17,000 | 8,550 |
| Pre-tax net operating income | $49,000 | 7,497 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $49,000 | 7,495 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $49,000 | 7,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $49,000 | 7,478 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,757,000 | 5,509 |
| Total interest expense | $1,341,000 | 5,104 |
| Net interest income | $1,416,000 | 5,725 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $162,000 | 5,999 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $109,000 | 4,763 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $53,000 | 6,185 |
| Total noninterest expense | $1,287,000 | 5,505 |
| Salaries and employee benefits | $780,000 | 5,216 |
| Premises and equipment expense | $195,000 | 5,115 |
| Additional noninterest expense | $312,000 | 6,012 |
| Pre-tax net operating income | $276,000 | 6,184 |
| Securities gains (losses) | $3,000 | 1,133 |
| Applicable income taxes | $91,000 | 4,214 |
| Income before extraordinary items | $188,000 | 6,466 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $188,000 | 6,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,151 |
| Cash dividends | $2,167,000 | 820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $185,990 | 6,484 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,477,000 | 5,309 |
| Total interest expense | $708,000 | 4,943 |
| Net interest income | $769,000 | 5,513 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $81,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $52,000 | 4,797 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $29,000 | 6,041 |
| Total noninterest expense | $601,000 | 5,749 |
| Salaries and employee benefits | $334,000 | 5,749 |
| Premises and equipment expense | $97,000 | 5,145 |
| Additional noninterest expense | $170,000 | 5,750 |
| Pre-tax net operating income | $234,000 | 5,187 |
| Securities gains (losses) | $2,000 | 969 |
| Applicable income taxes | $81,000 | 3,561 |
| Income before extraordinary items | $155,000 | 5,581 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $155,000 | 5,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,158 |
| Cash dividends | $297,000 | 2,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $153,680 | 5,585 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,999,000 | 5,023 |
| Total interest expense | $2,675,000 | 4,627 |
| Net interest income | $3,324,000 | 5,216 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $394,000 | 5,638 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $282,000 | 4,249 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $112,000 | 6,140 |
| Total noninterest expense | $2,669,000 | 5,274 |
| Salaries and employee benefits | $1,534,000 | 5,117 |
| Premises and equipment expense | $391,000 | 4,992 |
| Additional noninterest expense | $744,000 | 5,464 |
| Pre-tax net operating income | $989,000 | 5,223 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $296,000 | 3,827 |
| Income before extraordinary items | $691,000 | 5,542 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $691,000 | 5,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $297,000 | 4,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $692,400 | 5,527 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,399,000 | 5,077 |
| Total interest expense | $1,932,000 | 4,656 |
| Net interest income | $2,467,000 | 5,305 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $283,000 | 5,760 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $206,000 | 4,335 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $77,000 | 6,285 |
| Total noninterest expense | $1,974,000 | 5,307 |
| Salaries and employee benefits | $1,177,000 | 5,034 |
| Premises and equipment expense | $234,000 | 5,672 |
| Additional noninterest expense | $563,000 | 5,411 |
| Pre-tax net operating income | $731,000 | 5,416 |
| Securities gains (losses) | $-5,000 | 7,392 |
| Applicable income taxes | $200,000 | 4,133 |
| Income before extraordinary items | $526,000 | 5,650 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $526,000 | 5,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $297,000 | 3,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $529,600 | 5,636 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,845,000 | 5,138 |
| Total interest expense | $1,208,000 | 4,697 |
| Net interest income | $1,637,000 | 5,345 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $190,000 | 5,751 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $138,000 | 4,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $52,000 | 6,320 |
| Total noninterest expense | $1,348,000 | 5,243 |
| Salaries and employee benefits | $802,000 | 4,982 |
| Premises and equipment expense | $160,000 | 5,602 |
| Additional noninterest expense | $386,000 | 5,333 |
| Pre-tax net operating income | $449,000 | 5,649 |
| Securities gains (losses) | $2,000 | 970 |
| Applicable income taxes | $150,000 | 4,003 |
| Income before extraordinary items | $301,000 | 6,006 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $301,000 | 6,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $297,000 | 3,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $299,660 | 6,014 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 5,116 |
| Total interest expense | $505,000 | 5,092 |
| Net interest income | $900,000 | 5,031 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $96,000 | 5,679 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $69,000 | 4,247 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $27,000 | 6,246 |
| Total noninterest expense | $699,000 | 5,137 |
| Salaries and employee benefits | $430,000 | 4,785 |
| Premises and equipment expense | $89,000 | 5,311 |
| Additional noninterest expense | $180,000 | 5,503 |
| Pre-tax net operating income | $282,000 | 5,107 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $75,000 | 3,953 |
| Income before extraordinary items | $208,000 | 5,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $208,000 | 5,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $297,000 | 1,996 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $207,270 | 5,279 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,141,000 | 5,070 |
| Total interest expense | $1,634,000 | 5,012 |
| Net interest income | $3,507,000 | 5,012 |
| Provision for loan and lease losses | $24,000 | 6,374 |
| Total noninterest income | $393,000 | 5,749 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $299,000 | 4,195 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $94,000 | 6,501 |
| Total noninterest expense | $2,564,000 | 5,300 |
| Salaries and employee benefits | $1,548,000 | 4,945 |
| Premises and equipment expense | $302,000 | 5,715 |
| Additional noninterest expense | $714,000 | 5,530 |
| Pre-tax net operating income | $1,312,000 | 4,702 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $347,000 | 3,920 |
| Income before extraordinary items | $965,000 | 4,917 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $965,000 | 4,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,711 |
| Cash dividends | $298,000 | 4,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $965,000 | 4,885 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,780,000 | 5,097 |
| Total interest expense | $1,144,000 | 5,060 |
| Net interest income | $2,636,000 | 5,019 |
| Provision for loan and lease losses | $24,000 | 6,042 |
| Total noninterest income | $278,000 | 5,934 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $204,000 | 4,420 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $74,000 | 6,434 |
| Total noninterest expense | $1,983,000 | 5,169 |
| Salaries and employee benefits | $1,214,000 | 4,789 |
| Premises and equipment expense | $229,000 | 5,686 |
| Additional noninterest expense | $540,000 | 5,474 |
| Pre-tax net operating income | $907,000 | 5,020 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $275,000 | 3,937 |
| Income before extraordinary items | $630,000 | 5,338 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $630,000 | 5,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,476 |
| Cash dividends | $298,000 | 3,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $631,400 | 5,297 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,447,000 | 5,130 |
| Total interest expense | $676,000 | 5,252 |
| Net interest income | $1,771,000 | 4,987 |
| Provision for loan and lease losses | $24,000 | 5,514 |
| Total noninterest income | $181,000 | 5,963 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $136,000 | 4,370 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $45,000 | 6,573 |
| Total noninterest expense | $1,368,000 | 5,051 |
| Salaries and employee benefits | $844,000 | 4,642 |
| Premises and equipment expense | $158,000 | 5,558 |
| Additional noninterest expense | $366,000 | 5,383 |
| Pre-tax net operating income | $560,000 | 5,183 |
| Securities gains (losses) | $-6,000 | 7,982 |
| Applicable income taxes | $155,000 | 4,199 |
| Income before extraordinary items | $399,000 | 5,441 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $399,000 | 5,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $298,000 | 3,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $403,320 | 5,391 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,204,000 | 5,161 |
| Total interest expense | $302,000 | 5,462 |
| Net interest income | $902,000 | 4,951 |
| Provision for loan and lease losses | $18,000 | 4,743 |
| Total noninterest income | $90,000 | 5,925 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $687,000 | 5,055 |
| Salaries and employee benefits | $408,000 | 4,761 |
| Premises and equipment expense | $93,000 | 5,112 |
| Additional noninterest expense | $186,000 | 5,341 |
| Pre-tax net operating income | $287,000 | 5,105 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $80,000 | 4,116 |
| Income before extraordinary items | $209,000 | 5,316 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $209,000 | 5,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 1,823 |
| Cash dividends | $298,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $207,560 | 5,297 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,789,000 | 4,991 |
| Total interest expense | $1,178,000 | 5,170 |
| Net interest income | $3,611,000 | 4,813 |
| Provision for loan and lease losses | $192,000 | 3,768 |
| Total noninterest income | $461,000 | 5,467 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $315,000 | 4,213 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $146,000 | 5,747 |
| Total noninterest expense | $2,662,000 | 5,076 |
| Salaries and employee benefits | $1,662,000 | 4,597 |
| Premises and equipment expense | $329,000 | 5,416 |
| Additional noninterest expense | $671,000 | 5,660 |
| Pre-tax net operating income | $1,218,000 | 4,756 |
| Securities gains (losses) | $84,000 | 1,368 |
| Applicable income taxes | $407,000 | 3,699 |
| Income before extraordinary items | $895,000 | 4,986 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $895,000 | 4,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,312 |
| Cash dividends | $297,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $837,040 | 5,093 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,579,000 | 4,984 |
| Total interest expense | $877,000 | 5,161 |
| Net interest income | $2,702,000 | 4,793 |
| Provision for loan and lease losses | $113,000 | 4,082 |
| Total noninterest income | $328,000 | 5,620 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $208,000 | 4,536 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $120,000 | 5,572 |
| Total noninterest expense | $1,992,000 | 5,046 |
| Salaries and employee benefits | $1,266,000 | 4,508 |
| Premises and equipment expense | $234,000 | 5,543 |
| Additional noninterest expense | $492,000 | 5,686 |
| Pre-tax net operating income | $925,000 | 4,798 |
| Securities gains (losses) | $59,000 | 1,530 |
| Applicable income taxes | $290,000 | 3,846 |
| Income before extraordinary items | $694,000 | 4,979 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $694,000 | 4,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,588 |
| Cash dividends | $297,000 | 3,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $652,110 | 5,059 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,376,000 | 5,011 |
| Total interest expense | $579,000 | 5,214 |
| Net interest income | $1,797,000 | 4,813 |
| Provision for loan and lease losses | $95,000 | 3,576 |
| Total noninterest income | $226,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $134,000 | 4,616 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $92,000 | 5,336 |
| Total noninterest expense | $1,353,000 | 5,004 |
| Salaries and employee benefits | $865,000 | 4,451 |
| Premises and equipment expense | $163,000 | 5,430 |
| Additional noninterest expense | $325,000 | 5,725 |
| Pre-tax net operating income | $575,000 | 4,936 |
| Securities gains (losses) | $32,000 | 1,752 |
| Applicable income taxes | $185,000 | 3,914 |
| Income before extraordinary items | $422,000 | 5,184 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $422,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,878 |
| Cash dividends | $297,000 | 2,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $399,600 | 5,238 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 5,043 |
| Total interest expense | $287,000 | 5,303 |
| Net interest income | $897,000 | 4,836 |
| Provision for loan and lease losses | $77,000 | 2,529 |
| Total noninterest income | $92,000 | 5,974 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $67,000 | 4,509 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $25,000 | 6,426 |
| Total noninterest expense | $687,000 | 4,977 |
| Salaries and employee benefits | $427,000 | 4,504 |
| Premises and equipment expense | $98,000 | 4,857 |
| Additional noninterest expense | $162,000 | 5,766 |
| Pre-tax net operating income | $225,000 | 5,555 |
| Securities gains (losses) | $34,000 | 1,420 |
| Applicable income taxes | $70,000 | 4,347 |
| Income before extraordinary items | $189,000 | 5,479 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $189,000 | 5,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,595 |
| Cash dividends | $297,000 | 1,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $164,180 | 5,677 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,453,000 | 5,282 |
| Total interest expense | $1,100,000 | 5,844 |
| Net interest income | $3,353,000 | 4,931 |
| Provision for loan and lease losses | $35,000 | 6,678 |
| Total noninterest income | $430,000 | 5,805 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $297,000 | 4,321 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $133,000 | 6,043 |
| Total noninterest expense | $2,521,000 | 5,185 |
| Salaries and employee benefits | $1,566,000 | 4,711 |
| Premises and equipment expense | $312,000 | 5,559 |
| Additional noninterest expense | $643,000 | 5,761 |
| Pre-tax net operating income | $1,227,000 | 4,633 |
| Securities gains (losses) | $108,000 | 1,819 |
| Applicable income taxes | $406,000 | 3,748 |
| Income before extraordinary items | $929,000 | 4,856 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $929,000 | 4,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,920 |
| Cash dividends | $298,000 | 4,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $853,400 | 4,913 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,287,000 | 5,397 |
| Total interest expense | $806,000 | 6,053 |
| Net interest income | $2,481,000 | 4,993 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $312,000 | 5,938 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $201,000 | 4,599 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $111,000 | 5,889 |
| Total noninterest expense | $1,888,000 | 5,176 |
| Salaries and employee benefits | $1,171,000 | 4,706 |
| Premises and equipment expense | $227,000 | 5,617 |
| Additional noninterest expense | $490,000 | 5,710 |
| Pre-tax net operating income | $905,000 | 4,811 |
| Securities gains (losses) | $96,000 | 1,787 |
| Applicable income taxes | $265,000 | 4,156 |
| Income before extraordinary items | $736,000 | 4,843 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $736,000 | 4,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,504 |
| Cash dividends | $298,000 | 3,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $664,960 | 4,943 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 5,498 |
| Total interest expense | $541,000 | 6,153 |
| Net interest income | $1,613,000 | 5,078 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $203,000 | 5,966 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $132,000 | 4,608 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $71,000 | 5,964 |
| Total noninterest expense | $1,224,000 | 5,262 |
| Salaries and employee benefits | $763,000 | 4,788 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $300,000 | 5,984 |
| Pre-tax net operating income | $592,000 | 4,867 |
| Securities gains (losses) | $95,000 | 1,552 |
| Applicable income taxes | $165,000 | 4,328 |
| Income before extraordinary items | $522,000 | 4,684 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $522,000 | 4,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,353 |
| Cash dividends | $298,000 | 2,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $449,800 | 4,896 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,062,000 | 5,571 |
| Total interest expense | $281,000 | 6,149 |
| Net interest income | $781,000 | 5,179 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $94,000 | 6,054 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $66,000 | 4,513 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $28,000 | 6,362 |
| Total noninterest expense | $616,000 | 5,251 |
| Salaries and employee benefits | $391,000 | 4,684 |
| Premises and equipment expense | $96,000 | 4,835 |
| Additional noninterest expense | $129,000 | 6,436 |
| Pre-tax net operating income | $259,000 | 5,183 |
| Securities gains (losses) | $28,000 | 1,723 |
| Applicable income taxes | $85,000 | 4,242 |
| Income before extraordinary items | $202,000 | 5,310 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $202,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $298,000 | 1,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $182,400 | 5,359 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,326,000 | 5,662 |
| Total interest expense | $1,284,000 | 6,223 |
| Net interest income | $3,042,000 | 5,237 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $375,000 | 5,938 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $278,000 | 4,412 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 6,503 |
| Total noninterest expense | $2,377,000 | 5,260 |
| Salaries and employee benefits | $1,455,000 | 4,801 |
| Premises and equipment expense | $314,000 | 5,426 |
| Additional noninterest expense | $608,000 | 5,879 |
| Pre-tax net operating income | $1,040,000 | 5,103 |
| Securities gains (losses) | $44,000 | 2,517 |
| Applicable income taxes | $395,000 | 3,906 |
| Income before extraordinary items | $689,000 | 5,605 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $689,000 | 5,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 9,166 |
| Cash dividends | $340,000 | 4,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $660,840 | 5,562 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,411,000 | 5,342 |
| Total interest expense | $2,359,000 | 5,573 |
| Net interest income | $3,052,000 | 4,999 |
| Provision for loan and lease losses | $41,000 | 6,908 |
| Total noninterest income | $1,277,000 | 2,811 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $331,000 | 3,920 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $946,000 | 2,127 |
| Total noninterest expense | $2,790,000 | 4,587 |
| Salaries and employee benefits | $1,672,000 | 4,159 |
| Premises and equipment expense | $335,000 | 5,187 |
| Additional noninterest expense | $783,000 | 4,858 |
| Pre-tax net operating income | $1,498,000 | 3,868 |
| Securities gains (losses) | $-96,000 | 9,494 |
| Applicable income taxes | $438,000 | 3,559 |
| Income before extraordinary items | $964,000 | 4,375 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $964,000 | 4,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,152 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,030,240 | 4,092 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,246,000 | 4,944 |
| Total interest expense | $3,060,000 | 4,847 |
| Net interest income | $3,186,000 | 4,936 |
| Provision for loan and lease losses | $885,000 | 1,179 |
| Total noninterest income | $565,000 | 4,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 3,779 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,413 |
| Total noninterest expense | $2,591,000 | 4,732 |
| Salaries and employee benefits | $1,496,000 | 4,368 |
| Premises and equipment expense | $361,000 | 4,827 |
| Additional noninterest expense | $734,000 | 5,008 |
| Pre-tax net operating income | $275,000 | 8,004 |
| Securities gains (losses) | $7,000 | 1,253 |
| Applicable income taxes | $-140,000 | 9,633 |
| Income before extraordinary items | $422,000 | 6,716 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $422,000 | 6,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $733,000 | 938 |
| Cash dividends | $276,000 | 4,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $415,000 | 6,767 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,375,000 | 5,326 |
| Total interest expense | $2,274,000 | 5,526 |
| Net interest income | $3,101,000 | 5,030 |
| Provision for loan and lease losses | $220,000 | 3,352 |
| Total noninterest income | $496,000 | 4,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 3,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,146 |
| Total noninterest expense | $2,466,000 | 4,934 |
| Salaries and employee benefits | $1,388,000 | 4,623 |
| Premises and equipment expense | $382,000 | 4,682 |
| Additional noninterest expense | $696,000 | 5,258 |
| Pre-tax net operating income | $911,000 | 5,580 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $342,000 | 4,527 |
| Income before extraordinary items | $573,000 | 6,031 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $573,000 | 6,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,880 |
| Cash dividends | $276,000 | 4,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $570,440 | 6,014 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,867,000 | 5,787 |
| Total interest expense | $2,033,000 | 6,131 |
| Net interest income | $2,834,000 | 5,352 |
| Provision for loan and lease losses | $102,000 | 5,052 |
| Total noninterest income | $380,000 | 5,777 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 4,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 5,497 |
| Total noninterest expense | $2,278,000 | 5,091 |
| Salaries and employee benefits | $1,277,000 | 4,837 |
| Premises and equipment expense | $355,000 | 4,829 |
| Additional noninterest expense | $646,000 | 5,472 |
| Pre-tax net operating income | $834,000 | 5,958 |
| Securities gains (losses) | $23,000 | 2,320 |
| Applicable income taxes | $233,000 | 5,798 |
| Income before extraordinary items | $624,000 | 5,945 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $624,000 | 5,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,860 |
| Cash dividends | $73,000 | 6,604 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 949 |
| Net operating income | $607,210 | 5,916 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,362,000 | 6,337 |
| Total interest expense | $2,153,000 | 5,979 |
| Net interest income | $2,209,000 | 6,513 |
| Provision for loan and lease losses | $868,000 | 1,115 |
| Total noninterest income | $311,000 | 6,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 5,414 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,369 |
| Total noninterest expense | $1,938,000 | 5,772 |
| Salaries and employee benefits | $1,039,000 | 5,721 |
| Premises and equipment expense | $337,000 | 5,047 |
| Additional noninterest expense | $562,000 | 6,036 |
| Pre-tax net operating income | $-286,000 | 10,624 |
| Securities gains (losses) | $68,000 | 1,163 |
| Applicable income taxes | $-147,000 | 10,758 |
| Income before extraordinary items | $-71,000 | 10,492 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-71,000 | 10,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $770,000 | 942 |
| Cash dividends | $163,000 | 5,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-114,520 | 10,512 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,976,000 | 6,890 |
| Total interest expense | $1,820,000 | 6,801 |
| Net interest income | $2,156,000 | 6,848 |
| Provision for loan and lease losses | $85,000 | 5,471 |
| Total noninterest income | $266,000 | 7,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,551 |
| Total noninterest expense | $1,849,000 | 6,273 |
| Salaries and employee benefits | $925,000 | 6,338 |
| Premises and equipment expense | $313,000 | 5,411 |
| Additional noninterest expense | $611,000 | 6,292 |
| Pre-tax net operating income | $488,000 | 8,015 |
| Securities gains (losses) | $81,000 | 1,058 |
| Applicable income taxes | $122,000 | 8,364 |
| Income before extraordinary items | $447,000 | 7,257 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $447,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,398 |
| Cash dividends | $145,000 | 6,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $383,010 | 7,708 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,533,000 | 7,511 |
| Total interest expense | $1,555,000 | 7,544 |
| Net interest income | $1,978,000 | 7,367 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $213,000 | 8,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,407 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,186 |
| Total noninterest expense | $1,733,000 | 6,645 |
| Salaries and employee benefits | $865,000 | 6,733 |
| Premises and equipment expense | $261,000 | 6,181 |
| Additional noninterest expense | $607,000 | 6,489 |
| Pre-tax net operating income | $398,000 | 9,079 |
| Securities gains (losses) | $60,000 | 1,194 |
| Applicable income taxes | $65,000 | 9,880 |
| Income before extraordinary items | $393,000 | 8,136 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $393,000 | 8,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $184,000 | 5,693 |
| Sale, conversion, retirement of capital stock, net | $720,000 | 338 |
| Net operating income | $341,400 | 8,522 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,681,000 | 8,588 |
| Total interest expense | $942,000 | 8,936 |
| Net interest income | $1,739,000 | 8,203 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $214,000 | 8,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,194 |
| Total noninterest expense | $1,415,000 | 7,866 |
| Salaries and employee benefits | $763,000 | 7,433 |
| Premises and equipment expense | $243,000 | 6,633 |
| Additional noninterest expense | $409,000 | 8,739 |
| Pre-tax net operating income | $478,000 | 8,807 |
| Securities gains (losses) | $47,000 | 1,192 |
| Applicable income taxes | $147,000 | 8,368 |
| Income before extraordinary items | $378,000 | 8,381 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $378,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,158 |
| Cash dividends | $201,000 | 5,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $344,160 | 8,745 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,582,000 | 9,040 |
| Total interest expense | $864,000 | 9,721 |
| Net interest income | $1,718,000 | 8,446 |
| Provision for loan and lease losses | $56,000 | 7,224 |
| Total noninterest income | $277,000 | 7,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 8,112 |
| Total noninterest expense | $1,404,000 | 8,171 |
| Salaries and employee benefits | $717,000 | 7,892 |
| Premises and equipment expense | $264,000 | 6,427 |
| Additional noninterest expense | $423,000 | 8,995 |
| Pre-tax net operating income | $535,000 | 8,406 |
| Securities gains (losses) | $55,000 | 3,253 |
| Applicable income taxes | $152,000 | 8,594 |
| Income before extraordinary items | $438,000 | 8,075 |
| Extraordinary gains, net | $-214,000 | 13,065 |
| Net income | $224,000 | 10,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $101,000 | 6,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $397,300 | 8,186 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,845,000 | 9,250 |
| Total interest expense | $1,184,000 | 9,659 |
| Net interest income | $1,661,000 | 8,772 |
| Provision for loan and lease losses | $5,000 | 11,499 |
| Total noninterest income | $232,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,609 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,701 |
| Total noninterest expense | $1,343,000 | 8,507 |
| Salaries and employee benefits | $682,000 | 8,126 |
| Premises and equipment expense | $269,000 | 6,453 |
| Additional noninterest expense | $392,000 | 9,654 |
| Pre-tax net operating income | $545,000 | 8,098 |
| Securities gains (losses) | $63,000 | 3,745 |
| Applicable income taxes | $230,000 | 6,993 |
| Income before extraordinary items | $378,000 | 8,434 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $378,000 | 8,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 8,076 |
| Cash dividends | $75,000 | 7,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $337,680 | 8,486 |
* 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.