Home > Laurel National Bank > Income and Expense
Laurel National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,586,000 | 5,179 |
| Total interest expense | $2,324,000 | 4,713 |
| Net interest income | $2,262,000 | 5,518 |
| Provision for loan and lease losses | $79,000 | 4,528 |
| Total noninterest income | $651,000 | 3,841 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $537,000 | 2,311 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $114,000 | 5,578 |
| Total noninterest expense | $2,043,000 | 5,297 |
| Salaries and employee benefits | $897,000 | 5,979 |
| Premises and equipment expense | $324,000 | 4,778 |
| Additional noninterest expense | $822,000 | 4,295 |
| Pre-tax net operating income | $791,000 | 4,858 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $270,000 | 3,341 |
| Income before extraordinary items | $521,000 | 5,302 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $521,000 | 5,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,736 |
| Cash dividends | $145,000 | 4,429 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 321 |
| Net operating income | $521,000 | 5,290 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,003,000 | 5,263 |
| Total interest expense | $1,551,000 | 4,689 |
| Net interest income | $1,452,000 | 5,655 |
| Provision for loan and lease losses | $49,000 | 4,424 |
| Total noninterest income | $401,000 | 4,029 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $304,000 | 2,622 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $97,000 | 5,176 |
| Total noninterest expense | $1,264,000 | 5,562 |
| Salaries and employee benefits | $552,000 | 6,260 |
| Premises and equipment expense | $202,000 | 5,004 |
| Additional noninterest expense | $510,000 | 4,515 |
| Pre-tax net operating income | $540,000 | 4,894 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $183,000 | 3,380 |
| Income before extraordinary items | $357,000 | 5,309 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $357,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,634 |
| Cash dividends | $145,000 | 3,999 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 246 |
| Net operating income | $357,000 | 5,296 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,484,000 | 5,293 |
| Total interest expense | $766,000 | 4,703 |
| Net interest income | $718,000 | 5,699 |
| Provision for loan and lease losses | $24,000 | 4,189 |
| Total noninterest income | $199,000 | 4,031 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $137,000 | 2,783 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $62,000 | 4,685 |
| Total noninterest expense | $581,000 | 5,843 |
| Salaries and employee benefits | $244,000 | 6,582 |
| Premises and equipment expense | $94,000 | 5,233 |
| Additional noninterest expense | $243,000 | 4,627 |
| Pre-tax net operating income | $312,000 | 4,568 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $109,000 | 3,157 |
| Income before extraordinary items | $203,000 | 5,029 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $203,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,323 |
| Cash dividends | $145,000 | 2,779 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 136 |
| Net operating income | $203,000 | 5,022 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,384,000 | 5,342 |
| Total interest expense | $2,645,000 | 4,675 |
| Net interest income | $2,739,000 | 5,782 |
| Provision for loan and lease losses | $104,000 | 4,671 |
| Total noninterest income | $788,000 | 4,094 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $575,000 | 2,777 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $213,000 | 5,003 |
| Total noninterest expense | $2,359,000 | 5,671 |
| Salaries and employee benefits | $956,000 | 6,519 |
| Premises and equipment expense | $383,000 | 5,066 |
| Additional noninterest expense | $1,020,000 | 4,451 |
| Pre-tax net operating income | $1,064,000 | 5,052 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $364,000 | 3,554 |
| Income before extraordinary items | $700,000 | 5,511 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $700,000 | 5,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,622 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $700,000 | 5,505 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,968,000 | 5,400 |
| Total interest expense | $1,934,000 | 4,648 |
| Net interest income | $2,034,000 | 5,849 |
| Provision for loan and lease losses | $79,000 | 4,525 |
| Total noninterest income | $586,000 | 4,119 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $426,000 | 2,819 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $160,000 | 5,005 |
| Total noninterest expense | $1,785,000 | 5,627 |
| Salaries and employee benefits | $732,000 | 6,460 |
| Premises and equipment expense | $293,000 | 5,020 |
| Additional noninterest expense | $760,000 | 4,448 |
| Pre-tax net operating income | $756,000 | 5,343 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $255,000 | 3,808 |
| Income before extraordinary items | $501,000 | 5,757 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $501,000 | 5,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,127 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $501,000 | 5,757 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,578,000 | 5,430 |
| Total interest expense | $1,238,000 | 4,625 |
| Net interest income | $1,340,000 | 5,927 |
| Provision for loan and lease losses | $54,000 | 4,368 |
| Total noninterest income | $388,000 | 4,117 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $280,000 | 2,812 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $108,000 | 4,971 |
| Total noninterest expense | $1,211,000 | 5,582 |
| Salaries and employee benefits | $502,000 | 6,430 |
| Premises and equipment expense | $197,000 | 4,979 |
| Additional noninterest expense | $512,000 | 4,408 |
| Pre-tax net operating income | $463,000 | 5,579 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $161,000 | 3,915 |
| Income before extraordinary items | $302,000 | 5,997 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $302,000 | 5,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,607 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $302,000 | 5,995 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,257,000 | 5,457 |
| Total interest expense | $606,000 | 4,551 |
| Net interest income | $651,000 | 6,029 |
| Provision for loan and lease losses | $29,000 | 4,163 |
| Total noninterest income | $200,000 | 3,984 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $139,000 | 2,764 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $622,000 | 5,501 |
| Salaries and employee benefits | $274,000 | 6,199 |
| Premises and equipment expense | $101,000 | 4,920 |
| Additional noninterest expense | $247,000 | 4,516 |
| Pre-tax net operating income | $200,000 | 5,845 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $69,000 | 4,070 |
| Income before extraordinary items | $131,000 | 6,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $131,000 | 6,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 1,205 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $131,000 | 6,240 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 5,597 |
| Total interest expense | $1,746,000 | 4,835 |
| Net interest income | $2,581,000 | 5,949 |
| Provision for loan and lease losses | $94,000 | 4,935 |
| Total noninterest income | $697,000 | 4,390 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $535,000 | 2,915 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $162,000 | 5,591 |
| Total noninterest expense | $2,141,000 | 5,871 |
| Salaries and employee benefits | $909,000 | 6,613 |
| Premises and equipment expense | $332,000 | 5,449 |
| Additional noninterest expense | $900,000 | 4,766 |
| Pre-tax net operating income | $1,043,000 | 5,242 |
| Securities gains (losses) | $47,000 | 948 |
| Applicable income taxes | $371,000 | 3,823 |
| Income before extraordinary items | $719,000 | 5,611 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $719,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,731 |
| Cash dividends | $330,000 | 4,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $687,980 | 5,686 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 5,668 |
| Total interest expense | $1,206,000 | 4,924 |
| Net interest income | $1,934,000 | 5,984 |
| Provision for loan and lease losses | $69,000 | 4,823 |
| Total noninterest income | $515,000 | 4,467 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $395,000 | 2,947 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 5,607 |
| Total noninterest expense | $1,509,000 | 6,057 |
| Salaries and employee benefits | $653,000 | 6,719 |
| Premises and equipment expense | $228,000 | 5,699 |
| Additional noninterest expense | $628,000 | 4,969 |
| Pre-tax net operating income | $871,000 | 5,107 |
| Securities gains (losses) | $47,000 | 902 |
| Applicable income taxes | $314,000 | 3,734 |
| Income before extraordinary items | $604,000 | 5,425 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $604,000 | 5,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,913 |
| Cash dividends | $330,000 | 3,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $572,980 | 5,540 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,025,000 | 5,709 |
| Total interest expense | $717,000 | 5,069 |
| Net interest income | $1,308,000 | 5,936 |
| Provision for loan and lease losses | $48,000 | 4,636 |
| Total noninterest income | $342,000 | 4,436 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $260,000 | 2,920 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $82,000 | 5,563 |
| Total noninterest expense | $978,000 | 6,159 |
| Salaries and employee benefits | $417,000 | 6,821 |
| Premises and equipment expense | $131,000 | 6,080 |
| Additional noninterest expense | $430,000 | 4,859 |
| Pre-tax net operating income | $624,000 | 4,914 |
| Securities gains (losses) | $47,000 | 802 |
| Applicable income taxes | $227,000 | 3,571 |
| Income before extraordinary items | $444,000 | 5,182 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $444,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,310 |
| Cash dividends | $330,000 | 2,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $412,980 | 5,329 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $972,000 | 5,810 |
| Total interest expense | $325,000 | 5,267 |
| Net interest income | $647,000 | 5,989 |
| Provision for loan and lease losses | $23,000 | 4,505 |
| Total noninterest income | $158,000 | 4,574 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $113,000 | 3,173 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,411 |
| Total noninterest expense | $467,000 | 6,328 |
| Salaries and employee benefits | $217,000 | 6,786 |
| Premises and equipment expense | $67,000 | 6,074 |
| Additional noninterest expense | $183,000 | 5,373 |
| Pre-tax net operating income | $315,000 | 4,865 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $107,000 | 3,663 |
| Income before extraordinary items | $208,000 | 5,324 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $208,000 | 5,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $165,000 | 2,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $208,000 | 5,288 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,730,000 | 5,783 |
| Total interest expense | $1,112,000 | 5,351 |
| Net interest income | $2,618,000 | 5,856 |
| Provision for loan and lease losses | $119,000 | 4,764 |
| Total noninterest income | $577,000 | 4,916 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $468,000 | 3,291 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $109,000 | 6,276 |
| Total noninterest expense | $1,879,000 | 6,224 |
| Salaries and employee benefits | $901,000 | 6,601 |
| Premises and equipment expense | $249,000 | 6,197 |
| Additional noninterest expense | $729,000 | 5,386 |
| Pre-tax net operating income | $1,197,000 | 4,806 |
| Securities gains (losses) | $312,000 | 619 |
| Applicable income taxes | $512,000 | 3,309 |
| Income before extraordinary items | $997,000 | 4,718 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $997,000 | 4,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,148 |
| Cash dividends | $410,000 | 3,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $791,080 | 5,212 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,807,000 | 5,756 |
| Total interest expense | $841,000 | 5,305 |
| Net interest income | $1,966,000 | 5,843 |
| Provision for loan and lease losses | $102,000 | 4,242 |
| Total noninterest income | $429,000 | 4,960 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $355,000 | 3,291 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $74,000 | 6,452 |
| Total noninterest expense | $1,423,000 | 6,138 |
| Salaries and employee benefits | $674,000 | 6,570 |
| Premises and equipment expense | $179,000 | 6,296 |
| Additional noninterest expense | $570,000 | 5,218 |
| Pre-tax net operating income | $870,000 | 4,974 |
| Securities gains (losses) | $307,000 | 588 |
| Applicable income taxes | $399,000 | 3,307 |
| Income before extraordinary items | $778,000 | 4,700 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $778,000 | 4,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,599 |
| Cash dividends | $370,000 | 3,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $575,380 | 5,401 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,868,000 | 5,782 |
| Total interest expense | $580,000 | 5,202 |
| Net interest income | $1,288,000 | 5,903 |
| Provision for loan and lease losses | $49,000 | 4,763 |
| Total noninterest income | $312,000 | 4,730 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $230,000 | 3,329 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $82,000 | 5,559 |
| Total noninterest expense | $943,000 | 6,211 |
| Salaries and employee benefits | $448,000 | 6,625 |
| Premises and equipment expense | $117,000 | 6,389 |
| Additional noninterest expense | $378,000 | 5,262 |
| Pre-tax net operating income | $608,000 | 4,799 |
| Securities gains (losses) | $170,000 | 722 |
| Applicable income taxes | $264,000 | 3,300 |
| Income before extraordinary items | $514,000 | 4,667 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $514,000 | 4,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,035 |
| Cash dividends | $245,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $401,800 | 5,227 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $924,000 | 5,849 |
| Total interest expense | $296,000 | 5,202 |
| Net interest income | $628,000 | 5,993 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $145,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $111,000 | 3,331 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $34,000 | 5,872 |
| Total noninterest expense | $473,000 | 6,229 |
| Salaries and employee benefits | $214,000 | 6,800 |
| Premises and equipment expense | $59,000 | 6,355 |
| Additional noninterest expense | $200,000 | 5,075 |
| Pre-tax net operating income | $275,000 | 5,033 |
| Securities gains (losses) | $151,000 | 616 |
| Applicable income taxes | $143,000 | 3,179 |
| Income before extraordinary items | $283,000 | 4,429 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $283,000 | 4,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $120,000 | 2,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $183,340 | 5,432 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,996,000 | 5,651 |
| Total interest expense | $1,197,000 | 5,575 |
| Net interest income | $2,799,000 | 5,533 |
| Provision for loan and lease losses | $153,000 | 4,541 |
| Total noninterest income | $546,000 | 5,198 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $416,000 | 3,561 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $130,000 | 6,086 |
| Total noninterest expense | $1,833,000 | 6,296 |
| Salaries and employee benefits | $806,000 | 6,900 |
| Premises and equipment expense | $242,000 | 6,277 |
| Additional noninterest expense | $785,000 | 5,119 |
| Pre-tax net operating income | $1,359,000 | 4,374 |
| Securities gains (losses) | $356,000 | 946 |
| Applicable income taxes | $568,000 | 3,159 |
| Income before extraordinary items | $1,147,000 | 4,261 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,147,000 | 4,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,519 |
| Cash dividends | $330,000 | 4,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $908,480 | 4,755 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,020,000 | 5,687 |
| Total interest expense | $895,000 | 5,734 |
| Net interest income | $2,125,000 | 5,515 |
| Provision for loan and lease losses | $117,000 | 4,410 |
| Total noninterest income | $430,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $313,000 | 3,571 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $117,000 | 5,780 |
| Total noninterest expense | $1,367,000 | 6,266 |
| Salaries and employee benefits | $590,000 | 6,962 |
| Premises and equipment expense | $180,000 | 6,295 |
| Additional noninterest expense | $597,000 | 5,017 |
| Pre-tax net operating income | $1,071,000 | 4,381 |
| Securities gains (losses) | $329,000 | 906 |
| Applicable income taxes | $462,000 | 3,165 |
| Income before extraordinary items | $938,000 | 4,157 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $938,000 | 4,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,860 |
| Cash dividends | $230,000 | 3,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $717,570 | 4,736 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,026,000 | 5,692 |
| Total interest expense | $600,000 | 5,840 |
| Net interest income | $1,426,000 | 5,495 |
| Provision for loan and lease losses | $77,000 | 4,362 |
| Total noninterest income | $267,000 | 5,289 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $205,000 | 3,565 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $62,000 | 6,200 |
| Total noninterest expense | $902,000 | 6,330 |
| Salaries and employee benefits | $360,000 | 7,212 |
| Premises and equipment expense | $117,000 | 6,344 |
| Additional noninterest expense | $425,000 | 4,796 |
| Pre-tax net operating income | $714,000 | 4,375 |
| Securities gains (losses) | $329,000 | 756 |
| Applicable income taxes | $342,000 | 2,997 |
| Income before extraordinary items | $701,000 | 3,858 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $701,000 | 3,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,430 |
| Cash dividends | $180,000 | 3,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $480,570 | 4,688 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,016,000 | 5,719 |
| Total interest expense | $300,000 | 5,934 |
| Net interest income | $716,000 | 5,471 |
| Provision for loan and lease losses | $37,000 | 4,214 |
| Total noninterest income | $133,000 | 5,184 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $103,000 | 3,472 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $30,000 | 6,231 |
| Total noninterest expense | $445,000 | 6,371 |
| Salaries and employee benefits | $178,000 | 7,269 |
| Premises and equipment expense | $0 | 9,263 |
| Additional noninterest expense | $267,000 | 4,010 |
| Pre-tax net operating income | $367,000 | 4,257 |
| Securities gains (losses) | $202,000 | 657 |
| Applicable income taxes | $182,000 | 2,864 |
| Income before extraordinary items | $387,000 | 3,545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $387,000 | 3,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $80,000 | 3,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $249,640 | 4,526 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,955,000 | 5,937 |
| Total interest expense | $1,381,000 | 5,978 |
| Net interest income | $2,574,000 | 5,811 |
| Provision for loan and lease losses | $42,000 | 6,887 |
| Total noninterest income | $503,000 | 5,198 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $414,000 | 3,452 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $89,000 | 6,670 |
| Total noninterest expense | $1,797,000 | 6,268 |
| Salaries and employee benefits | $733,000 | 7,146 |
| Premises and equipment expense | $240,000 | 6,266 |
| Additional noninterest expense | $824,000 | 4,829 |
| Pre-tax net operating income | $1,238,000 | 4,620 |
| Securities gains (losses) | $71,000 | 2,079 |
| Applicable income taxes | $443,000 | 3,692 |
| Income before extraordinary items | $866,000 | 4,981 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $866,000 | 4,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $540,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $819,140 | 5,000 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,004,000 | 6,351 |
| Total interest expense | $2,105,000 | 5,942 |
| Net interest income | $1,899,000 | 6,601 |
| Provision for loan and lease losses | $37,000 | 7,027 |
| Total noninterest income | $457,000 | 5,317 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $366,000 | 3,643 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $91,000 | 6,630 |
| Total noninterest expense | $1,537,000 | 6,716 |
| Salaries and employee benefits | $629,000 | 7,537 |
| Premises and equipment expense | $242,000 | 6,183 |
| Additional noninterest expense | $666,000 | 5,453 |
| Pre-tax net operating income | $782,000 | 5,548 |
| Securities gains (losses) | $109,000 | 1,681 |
| Applicable income taxes | $302,000 | 4,245 |
| Income before extraordinary items | $589,000 | 5,672 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $589,000 | 5,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,890 |
| Cash dividends | $305,000 | 4,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $517,060 | 5,873 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,822,000 | 6,636 |
| Total interest expense | $2,295,000 | 5,841 |
| Net interest income | $1,527,000 | 7,428 |
| Provision for loan and lease losses | $29,000 | 7,312 |
| Total noninterest income | $376,000 | 5,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,222 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,597 |
| Total noninterest expense | $1,361,000 | 7,090 |
| Salaries and employee benefits | $534,000 | 8,065 |
| Premises and equipment expense | $219,000 | 6,471 |
| Additional noninterest expense | $608,000 | 5,736 |
| Pre-tax net operating income | $513,000 | 6,932 |
| Securities gains (losses) | $39,000 | 772 |
| Applicable income taxes | $188,000 | 5,509 |
| Income before extraordinary items | $364,000 | 7,076 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $364,000 | 7,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,965 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $338,260 | 7,225 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,393,000 | 6,940 |
| Total interest expense | $1,831,000 | 6,293 |
| Net interest income | $1,562,000 | 7,470 |
| Provision for loan and lease losses | $118,000 | 4,907 |
| Total noninterest income | $316,000 | 6,304 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,661 |
| Total noninterest expense | $1,180,000 | 7,615 |
| Salaries and employee benefits | $491,000 | 8,388 |
| Premises and equipment expense | $179,000 | 7,145 |
| Additional noninterest expense | $510,000 | 6,438 |
| Pre-tax net operating income | $580,000 | 6,784 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $190,000 | 5,810 |
| Income before extraordinary items | $390,000 | 7,045 |
| Extraordinary gains, net | $-14,000 | 10,154 |
| Net income | $376,000 | 7,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,603 |
| Cash dividends | $290,000 | 4,629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $390,000 | 7,017 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,185,000 | 7,308 |
| Total interest expense | $1,798,000 | 6,556 |
| Net interest income | $1,387,000 | 7,933 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $255,000 | 6,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 4,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,530 |
| Total noninterest expense | $1,131,000 | 7,733 |
| Salaries and employee benefits | $403,000 | 8,948 |
| Premises and equipment expense | $147,000 | 7,718 |
| Additional noninterest expense | $581,000 | 5,874 |
| Pre-tax net operating income | $361,000 | 8,087 |
| Securities gains (losses) | $25,000 | 2,265 |
| Applicable income taxes | $78,000 | 7,853 |
| Income before extraordinary items | $308,000 | 7,818 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $308,000 | 7,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $120,000 | 6,059 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 559 |
| Net operating income | $288,000 | 7,899 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,966,000 | 7,794 |
| Total interest expense | $1,871,000 | 6,524 |
| Net interest income | $1,095,000 | 8,954 |
| Provision for loan and lease losses | $131,000 | 4,433 |
| Total noninterest income | $189,000 | 7,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,733 |
| Total noninterest expense | $1,074,000 | 8,082 |
| Salaries and employee benefits | $483,000 | 8,729 |
| Premises and equipment expense | $129,000 | 8,265 |
| Additional noninterest expense | $462,000 | 6,830 |
| Pre-tax net operating income | $79,000 | 10,141 |
| Securities gains (losses) | $21,000 | 1,847 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $100,000 | 9,960 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $100,000 | 9,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,010 |
| Net operating income | $79,000 | 10,044 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $771,000 | 11,050 |
| Total interest expense | $444,000 | 10,759 |
| Net interest income | $327,000 | 11,197 |
| Provision for loan and lease losses | $152,000 | 4,030 |
| Total noninterest income | $37,000 | 11,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 9,652 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $467,000 | 10,715 |
| Salaries and employee benefits | $231,000 | 10,830 |
| Premises and equipment expense | $50,000 | 10,636 |
| Additional noninterest expense | $186,000 | 10,103 |
| Pre-tax net operating income | $-255,000 | 11,109 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-255,000 | 11,148 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-255,000 | 11,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $3,608,000 | 198 |
| Net operating income | $-255,000 | 11,115 |
* 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.