Home > Lebanon Valley Farmers Bank > Income and Expense
Lebanon Valley Farmers Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,684,000 | 895 |
| Total interest expense | $10,592,000 | 941 |
| Net interest income | $13,092,000 | 855 |
| Provision for loan and lease losses | $57,000 | 4,230 |
| Total noninterest income | $4,183,000 | 742 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,065,000 | 827 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,118,000 | 604 |
| Total noninterest expense | $8,312,000 | 1,138 |
| Salaries and employee benefits | $2,739,000 | 1,869 |
| Premises and equipment expense | $697,000 | 1,881 |
| Additional noninterest expense | $4,876,000 | 590 |
| Pre-tax net operating income | $8,906,000 | 568 |
| Securities gains (losses) | $26,000 | 656 |
| Applicable income taxes | $2,923,000 | 538 |
| Income before extraordinary items | $6,009,000 | 619 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,009,000 | 618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,180 |
| Cash dividends | $5,300,000 | 402 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,991,580 | 610 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,744,000 | 893 |
| Total interest expense | $5,330,000 | 917 |
| Net interest income | $6,414,000 | 870 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $2,016,000 | 749 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $509,000 | 839 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,507,000 | 603 |
| Total noninterest expense | $4,125,000 | 1,141 |
| Salaries and employee benefits | $1,368,000 | 1,879 |
| Premises and equipment expense | $369,000 | 1,806 |
| Additional noninterest expense | $2,388,000 | 590 |
| Pre-tax net operating income | $4,305,000 | 589 |
| Securities gains (losses) | $26,000 | 508 |
| Applicable income taxes | $1,416,000 | 557 |
| Income before extraordinary items | $2,915,000 | 629 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,915,000 | 628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,916 |
| Cash dividends | $2,500,000 | 377 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,897,580 | 622 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $45,928,000 | 836 |
| Total interest expense | $18,988,000 | 878 |
| Net interest income | $26,940,000 | 821 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $8,830,000 | 676 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,158,000 | 813 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,672,000 | 553 |
| Total noninterest expense | $16,372,000 | 1,103 |
| Salaries and employee benefits | $5,679,000 | 1,719 |
| Premises and equipment expense | $1,267,000 | 1,983 |
| Additional noninterest expense | $9,426,000 | 593 |
| Pre-tax net operating income | $19,398,000 | 551 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $6,302,000 | 536 |
| Income before extraordinary items | $13,096,000 | 578 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $13,096,000 | 577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,548 |
| Cash dividends | $8,900,000 | 437 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $13,096,000 | 572 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $34,053,000 | 844 |
| Total interest expense | $13,606,000 | 897 |
| Net interest income | $20,447,000 | 828 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $6,243,000 | 730 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,622,000 | 818 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,621,000 | 585 |
| Total noninterest expense | $12,243,000 | 1,110 |
| Salaries and employee benefits | $4,284,000 | 1,717 |
| Premises and equipment expense | $947,000 | 1,992 |
| Additional noninterest expense | $7,012,000 | 607 |
| Pre-tax net operating income | $14,447,000 | 580 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,691,000 | 563 |
| Income before extraordinary items | $9,756,000 | 613 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $9,756,000 | 612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,646 |
| Cash dividends | $5,400,000 | 487 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $9,756,000 | 601 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,808,000 | 866 |
| Total interest expense | $8,591,000 | 896 |
| Net interest income | $13,217,000 | 854 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $4,180,000 | 723 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,038,000 | 840 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,142,000 | 580 |
| Total noninterest expense | $8,165,000 | 1,113 |
| Salaries and employee benefits | $2,861,000 | 1,712 |
| Premises and equipment expense | $635,000 | 1,989 |
| Additional noninterest expense | $4,669,000 | 609 |
| Pre-tax net operating income | $9,232,000 | 600 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,987,000 | 598 |
| Income before extraordinary items | $6,245,000 | 637 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,245,000 | 635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,057 |
| Cash dividends | $4,700,000 | 399 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $6,245,000 | 624 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,664,000 | 866 |
| Total interest expense | $4,005,000 | 913 |
| Net interest income | $6,659,000 | 851 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $2,078,000 | 711 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $507,000 | 828 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,571,000 | 578 |
| Total noninterest expense | $4,110,000 | 1,100 |
| Salaries and employee benefits | $1,394,000 | 1,760 |
| Premises and equipment expense | $369,000 | 1,734 |
| Additional noninterest expense | $2,347,000 | 590 |
| Pre-tax net operating income | $4,627,000 | 584 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,498,000 | 591 |
| Income before extraordinary items | $3,129,000 | 631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,129,000 | 630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 1,205 |
| Cash dividends | $2,500,000 | 357 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $3,129,000 | 618 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $40,109,000 | 805 |
| Total interest expense | $12,951,000 | 872 |
| Net interest income | $27,158,000 | 778 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $8,313,000 | 705 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,044,000 | 850 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,269,000 | 590 |
| Total noninterest expense | $17,044,000 | 995 |
| Salaries and employee benefits | $6,109,000 | 1,535 |
| Premises and equipment expense | $1,449,000 | 1,688 |
| Additional noninterest expense | $9,486,000 | 583 |
| Pre-tax net operating income | $18,427,000 | 568 |
| Securities gains (losses) | $52,000 | 910 |
| Applicable income taxes | $5,848,000 | 576 |
| Income before extraordinary items | $12,631,000 | 592 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $12,631,000 | 593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-542,000 | 8,789 |
| Cash dividends | $16,950,000 | 272 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $12,595,640 | 581 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,550,000 | 796 |
| Total interest expense | $9,217,000 | 860 |
| Net interest income | $20,333,000 | 770 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $6,242,000 | 712 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,523,000 | 858 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,719,000 | 584 |
| Total noninterest expense | $12,880,000 | 978 |
| Salaries and employee benefits | $4,585,000 | 1,519 |
| Premises and equipment expense | $1,150,000 | 1,575 |
| Additional noninterest expense | $7,145,000 | 579 |
| Pre-tax net operating income | $13,695,000 | 572 |
| Securities gains (losses) | $52,000 | 865 |
| Applicable income taxes | $4,353,000 | 580 |
| Income before extraordinary items | $9,394,000 | 598 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,394,000 | 598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-496,000 | 8,811 |
| Cash dividends | $7,250,000 | 357 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $9,358,640 | 584 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,349,000 | 792 |
| Total interest expense | $5,832,000 | 857 |
| Net interest income | $13,517,000 | 767 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $4,313,000 | 690 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $992,000 | 860 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,321,000 | 554 |
| Total noninterest expense | $8,669,000 | 967 |
| Salaries and employee benefits | $3,096,000 | 1,501 |
| Premises and equipment expense | $800,000 | 1,508 |
| Additional noninterest expense | $4,773,000 | 577 |
| Pre-tax net operating income | $9,161,000 | 563 |
| Securities gains (losses) | $52,000 | 766 |
| Applicable income taxes | $2,922,000 | 565 |
| Income before extraordinary items | $6,291,000 | 585 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,291,000 | 585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,147 |
| Cash dividends | $5,000,000 | 335 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $6,255,640 | 573 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,563,000 | 785 |
| Total interest expense | $2,774,000 | 853 |
| Net interest income | $6,789,000 | 748 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $2,142,000 | 671 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $479,000 | 854 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,663,000 | 538 |
| Total noninterest expense | $4,391,000 | 952 |
| Salaries and employee benefits | $1,565,000 | 1,489 |
| Premises and equipment expense | $463,000 | 1,301 |
| Additional noninterest expense | $2,363,000 | 574 |
| Pre-tax net operating income | $4,540,000 | 560 |
| Securities gains (losses) | $52,000 | 535 |
| Applicable income taxes | $1,456,000 | 567 |
| Income before extraordinary items | $3,136,000 | 589 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,136,000 | 589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,370 |
| Cash dividends | $2,500,000 | 300 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,100,640 | 574 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $37,582,000 | 736 |
| Total interest expense | $10,339,000 | 797 |
| Net interest income | $27,243,000 | 708 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $8,209,000 | 704 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,289,000 | 762 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,920,000 | 593 |
| Total noninterest expense | $17,152,000 | 944 |
| Salaries and employee benefits | $6,142,000 | 1,444 |
| Premises and equipment expense | $1,409,000 | 1,651 |
| Additional noninterest expense | $9,601,000 | 571 |
| Pre-tax net operating income | $18,300,000 | 528 |
| Securities gains (losses) | $378,000 | 543 |
| Applicable income taxes | $5,878,000 | 536 |
| Income before extraordinary items | $12,800,000 | 549 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $12,800,000 | 550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $763,000 | 940 |
| Cash dividends | $12,889,000 | 288 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $12,539,180 | 537 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $28,078,000 | 738 |
| Total interest expense | $7,672,000 | 784 |
| Net interest income | $20,406,000 | 708 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $6,151,000 | 713 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,751,000 | 756 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,400,000 | 599 |
| Total noninterest expense | $12,950,000 | 944 |
| Salaries and employee benefits | $4,613,000 | 1,435 |
| Premises and equipment expense | $1,091,000 | 1,602 |
| Additional noninterest expense | $7,246,000 | 566 |
| Pre-tax net operating income | $13,607,000 | 532 |
| Securities gains (losses) | $378,000 | 504 |
| Applicable income taxes | $4,393,000 | 534 |
| Income before extraordinary items | $9,592,000 | 550 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $9,592,000 | 551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,559 |
| Cash dividends | $7,889,000 | 334 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $9,331,180 | 543 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $18,818,000 | 732 |
| Total interest expense | $5,133,000 | 772 |
| Net interest income | $13,685,000 | 703 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $4,138,000 | 710 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,158,000 | 754 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,980,000 | 603 |
| Total noninterest expense | $8,607,000 | 942 |
| Salaries and employee benefits | $3,044,000 | 1,452 |
| Premises and equipment expense | $743,000 | 1,560 |
| Additional noninterest expense | $4,820,000 | 556 |
| Pre-tax net operating income | $9,216,000 | 521 |
| Securities gains (losses) | $378,000 | 414 |
| Applicable income taxes | $3,024,000 | 522 |
| Income before extraordinary items | $6,570,000 | 539 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,570,000 | 538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $5,259,000 | 317 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,312,960 | 533 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $9,529,000 | 733 |
| Total interest expense | $2,635,000 | 766 |
| Net interest income | $6,894,000 | 706 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $2,053,000 | 706 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $573,000 | 742 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,480,000 | 592 |
| Total noninterest expense | $4,316,000 | 944 |
| Salaries and employee benefits | $1,536,000 | 1,445 |
| Premises and equipment expense | $409,000 | 1,434 |
| Additional noninterest expense | $2,371,000 | 559 |
| Pre-tax net operating income | $4,631,000 | 515 |
| Securities gains (losses) | $190,000 | 525 |
| Applicable income taxes | $1,520,000 | 525 |
| Income before extraordinary items | $3,301,000 | 542 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,301,000 | 541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $2,630,000 | 298 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,171,800 | 521 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $40,042,000 | 697 |
| Total interest expense | $12,438,000 | 703 |
| Net interest income | $27,604,000 | 680 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $8,947,000 | 717 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,494,000 | 689 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,453,000 | 626 |
| Total noninterest expense | $17,158,000 | 951 |
| Salaries and employee benefits | $5,936,000 | 1,446 |
| Premises and equipment expense | $1,477,000 | 1,547 |
| Additional noninterest expense | $9,745,000 | 567 |
| Pre-tax net operating income | $19,273,000 | 493 |
| Securities gains (losses) | $712,000 | 601 |
| Applicable income taxes | $6,204,000 | 528 |
| Income before extraordinary items | $13,781,000 | 514 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $13,781,000 | 516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $355,000 | 2,017 |
| Cash dividends | $17,382,000 | 266 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $13,289,720 | 498 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $29,995,000 | 715 |
| Total interest expense | $9,580,000 | 718 |
| Net interest income | $20,415,000 | 701 |
| Provision for loan and lease losses | $120,000 | 4,343 |
| Total noninterest income | $6,870,000 | 728 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,879,000 | 696 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,991,000 | 641 |
| Total noninterest expense | $13,069,000 | 935 |
| Salaries and employee benefits | $4,512,000 | 1,437 |
| Premises and equipment expense | $1,145,000 | 1,499 |
| Additional noninterest expense | $7,412,000 | 566 |
| Pre-tax net operating income | $14,096,000 | 509 |
| Securities gains (losses) | $683,000 | 565 |
| Applicable income taxes | $4,560,000 | 550 |
| Income before extraordinary items | $10,219,000 | 540 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $10,219,000 | 540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 1,601 |
| Cash dividends | $9,662,000 | 318 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $9,747,730 | 516 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $20,366,000 | 711 |
| Total interest expense | $6,646,000 | 716 |
| Net interest income | $13,720,000 | 693 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $4,473,000 | 733 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,233,000 | 692 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,240,000 | 641 |
| Total noninterest expense | $8,673,000 | 942 |
| Salaries and employee benefits | $3,032,000 | 1,423 |
| Premises and equipment expense | $767,000 | 1,497 |
| Additional noninterest expense | $4,874,000 | 568 |
| Pre-tax net operating income | $9,400,000 | 509 |
| Securities gains (losses) | $327,000 | 760 |
| Applicable income taxes | $2,984,000 | 555 |
| Income before extraordinary items | $6,743,000 | 541 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,743,000 | 541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,192 |
| Cash dividends | $6,441,000 | 280 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $6,517,370 | 516 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,440,000 | 698 |
| Total interest expense | $3,513,000 | 698 |
| Net interest income | $6,927,000 | 694 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $2,074,000 | 756 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $616,000 | 672 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,458,000 | 678 |
| Total noninterest expense | $4,491,000 | 905 |
| Salaries and employee benefits | $1,555,000 | 1,393 |
| Premises and equipment expense | $401,000 | 1,446 |
| Additional noninterest expense | $2,535,000 | 553 |
| Pre-tax net operating income | $4,390,000 | 545 |
| Securities gains (losses) | $327,000 | 484 |
| Applicable income taxes | $1,436,000 | 587 |
| Income before extraordinary items | $3,281,000 | 545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,281,000 | 543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,101 |
| Cash dividends | $3,221,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,052,100 | 539 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $44,509,000 | 685 |
| Total interest expense | $15,624,000 | 724 |
| Net interest income | $28,885,000 | 658 |
| Provision for loan and lease losses | $480,000 | 2,438 |
| Total noninterest income | $8,373,000 | 702 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,730,000 | 599 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,643,000 | 635 |
| Total noninterest expense | $17,383,000 | 900 |
| Salaries and employee benefits | $6,137,000 | 1,329 |
| Premises and equipment expense | $1,459,000 | 1,523 |
| Additional noninterest expense | $9,787,000 | 567 |
| Pre-tax net operating income | $19,395,000 | 484 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $5,868,000 | 516 |
| Income before extraordinary items | $13,527,000 | 503 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $13,527,000 | 507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,768 |
| Cash dividends | $17,053,000 | 244 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $13,527,000 | 480 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $48,154,000 | 722 |
| Total interest expense | $20,469,000 | 800 |
| Net interest income | $27,685,000 | 649 |
| Provision for loan and lease losses | $480,000 | 2,273 |
| Total noninterest income | $7,397,000 | 732 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,263,000 | 652 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,134,000 | 653 |
| Total noninterest expense | $16,359,000 | 913 |
| Salaries and employee benefits | $5,860,000 | 1,269 |
| Premises and equipment expense | $1,566,000 | 1,366 |
| Additional noninterest expense | $8,933,000 | 627 |
| Pre-tax net operating income | $18,243,000 | 465 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $5,468,000 | 516 |
| Income before extraordinary items | $12,775,000 | 472 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $12,775,000 | 472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,113,000 | 872 |
| Cash dividends | $17,754,000 | 255 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $12,775,000 | 451 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $51,501,000 | 710 |
| Total interest expense | $22,768,000 | 800 |
| Net interest income | $28,733,000 | 630 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $6,263,000 | 781 |
| Gross Fiduciary activities income | $2,009,000 | 285 |
| Service charges on deposit accounts | $1,955,000 | 693 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,299,000 | 1,029 |
| Total noninterest expense | $15,218,000 | 927 |
| Salaries and employee benefits | $6,574,000 | 1,072 |
| Premises and equipment expense | $1,515,000 | 1,351 |
| Additional noninterest expense | $7,129,000 | 736 |
| Pre-tax net operating income | $19,778,000 | 455 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $5,975,000 | 485 |
| Income before extraordinary items | $13,803,000 | 441 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $13,803,000 | 443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,190,000 | 663 |
| Cash dividends | $9,683,000 | 388 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $13,803,000 | 441 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $47,531,000 | 729 |
| Total interest expense | $20,067,000 | 788 |
| Net interest income | $27,464,000 | 679 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $5,273,000 | 910 |
| Gross Fiduciary activities income | $1,870,000 | 338 |
| Service charges on deposit accounts | $1,816,000 | 731 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,587,000 | 1,348 |
| Total noninterest expense | $15,494,000 | 917 |
| Salaries and employee benefits | $6,464,000 | 1,063 |
| Premises and equipment expense | $1,418,000 | 1,445 |
| Additional noninterest expense | $7,612,000 | 732 |
| Pre-tax net operating income | $17,243,000 | 542 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $5,002,000 | 599 |
| Income before extraordinary items | $12,241,000 | 533 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,241,000 | 533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,930 |
| Cash dividends | $9,476,000 | 416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $12,241,000 | 522 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $50,179,000 | 680 |
| Total interest expense | $21,909,000 | 745 |
| Net interest income | $28,270,000 | 633 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $5,055,000 | 935 |
| Gross Fiduciary activities income | $1,646,000 | 352 |
| Service charges on deposit accounts | $1,743,000 | 707 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,666,000 | 1,311 |
| Total noninterest expense | $16,363,000 | 867 |
| Salaries and employee benefits | $7,513,000 | 874 |
| Premises and equipment expense | $1,936,000 | 998 |
| Additional noninterest expense | $6,914,000 | 772 |
| Pre-tax net operating income | $16,962,000 | 500 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $5,172,000 | 565 |
| Income before extraordinary items | $11,790,000 | 495 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $11,790,000 | 494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,689 |
| Cash dividends | $26,700,000 | 212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $11,790,000 | 475 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,917,000 | 2,547 |
| Total interest expense | $5,795,000 | 2,578 |
| Net interest income | $7,122,000 | 2,439 |
| Provision for loan and lease losses | $290,000 | 2,696 |
| Total noninterest income | $1,432,000 | 2,285 |
| Gross Fiduciary activities income | $293,000 | 813 |
| Service charges on deposit accounts | $569,000 | 2,301 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $570,000 | 2,585 |
| Total noninterest expense | $4,844,000 | 2,649 |
| Salaries and employee benefits | $2,321,000 | 2,856 |
| Premises and equipment expense | $588,000 | 3,212 |
| Additional noninterest expense | $1,935,000 | 2,159 |
| Pre-tax net operating income | $3,420,000 | 2,203 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $949,000 | 2,547 |
| Income before extraordinary items | $2,479,000 | 2,127 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,479,000 | 2,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,715 |
| Cash dividends | $1,450,000 | 1,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,473,240 | 2,079 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,718,000 | 2,816 |
| Total interest expense | $5,027,000 | 2,987 |
| Net interest income | $6,691,000 | 2,635 |
| Provision for loan and lease losses | $128,000 | 4,455 |
| Total noninterest income | $1,332,000 | 2,500 |
| Gross Fiduciary activities income | $245,000 | 919 |
| Service charges on deposit accounts | $584,000 | 2,325 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $503,000 | 2,908 |
| Total noninterest expense | $4,771,000 | 2,862 |
| Salaries and employee benefits | $2,185,000 | 3,058 |
| Premises and equipment expense | $572,000 | 3,363 |
| Additional noninterest expense | $2,014,000 | 2,434 |
| Pre-tax net operating income | $3,124,000 | 2,285 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $869,000 | 2,649 |
| Income before extraordinary items | $2,265,000 | 2,181 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,265,000 | 2,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,457 |
| Cash dividends | $1,350,000 | 1,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,257,800 | 2,136 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,380,000 | 2,928 |
| Total interest expense | $5,150,000 | 2,952 |
| Net interest income | $6,230,000 | 2,857 |
| Provision for loan and lease losses | $133,000 | 3,890 |
| Total noninterest income | $1,141,000 | 2,816 |
| Gross Fiduciary activities income | $236,000 | 961 |
| Service charges on deposit accounts | $438,000 | 3,076 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $467,000 | 3,001 |
| Total noninterest expense | $4,631,000 | 2,907 |
| Salaries and employee benefits | $2,021,000 | 3,275 |
| Premises and equipment expense | $539,000 | 3,521 |
| Additional noninterest expense | $2,071,000 | 2,335 |
| Pre-tax net operating income | $2,607,000 | 2,727 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $886,000 | 2,642 |
| Income before extraordinary items | $1,721,000 | 2,866 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,721,000 | 2,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,638 |
| Cash dividends | $1,024,000 | 1,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,721,000 | 2,828 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,189,000 | 2,991 |
| Total interest expense | $3,994,000 | 3,063 |
| Net interest income | $6,195,000 | 2,916 |
| Provision for loan and lease losses | $144,000 | 3,703 |
| Total noninterest income | $1,189,000 | 2,747 |
| Gross Fiduciary activities income | $230,000 | 984 |
| Service charges on deposit accounts | $430,000 | 3,163 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $529,000 | 2,857 |
| Total noninterest expense | $4,528,000 | 3,043 |
| Salaries and employee benefits | $1,853,000 | 3,514 |
| Premises and equipment expense | $510,000 | 3,737 |
| Additional noninterest expense | $2,165,000 | 2,420 |
| Pre-tax net operating income | $2,712,000 | 2,616 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $907,000 | 2,459 |
| Income before extraordinary items | $1,805,000 | 2,685 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,805,000 | 2,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $809,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,805,000 | 2,699 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,004,000 | 3,412 |
| Total interest expense | $3,508,000 | 3,581 |
| Net interest income | $5,496,000 | 3,268 |
| Provision for loan and lease losses | $151,000 | 4,610 |
| Total noninterest income | $1,424,000 | 2,544 |
| Gross Fiduciary activities income | $225,000 | 1,033 |
| Service charges on deposit accounts | $385,000 | 3,570 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $814,000 | 2,363 |
| Total noninterest expense | $4,390,000 | 3,194 |
| Salaries and employee benefits | $1,719,000 | 3,779 |
| Premises and equipment expense | $436,000 | 4,372 |
| Additional noninterest expense | $2,235,000 | 2,479 |
| Pre-tax net operating income | $2,379,000 | 2,831 |
| Securities gains (losses) | $23,000 | 4,484 |
| Applicable income taxes | $767,000 | 2,852 |
| Income before extraordinary items | $1,635,000 | 2,985 |
| Extraordinary gains, net | $-134,000 | 12,977 |
| Net income | $1,501,000 | 3,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,721 |
| Cash dividends | $370,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,619,360 | 2,857 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,189,000 | 3,787 |
| Total interest expense | $4,256,000 | 3,846 |
| Net interest income | $4,933,000 | 3,692 |
| Provision for loan and lease losses | $182,000 | 5,471 |
| Total noninterest income | $1,219,000 | 2,826 |
| Gross Fiduciary activities income | $180,000 | 1,109 |
| Service charges on deposit accounts | $347,000 | 3,946 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $692,000 | 2,565 |
| Total noninterest expense | $4,248,000 | 3,322 |
| Salaries and employee benefits | $1,592,000 | 4,005 |
| Premises and equipment expense | $429,000 | 4,536 |
| Additional noninterest expense | $2,227,000 | 2,559 |
| Pre-tax net operating income | $1,722,000 | 3,573 |
| Securities gains (losses) | $-122,000 | 13,803 |
| Applicable income taxes | $465,000 | 4,242 |
| Income before extraordinary items | $1,135,000 | 4,004 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,135,000 | 4,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 6,549 |
| Cash dividends | $907,000 | 1,678 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,221,620 | 3,472 |
* 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.