Home > LyndonBank > Income and Expense
LyndonBank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,599,000 | 3,866 |
| Total interest expense | $4,060,000 | 3,977 |
| Net interest income | $5,539,000 | 3,720 |
| Provision for loan and lease losses | $50,000 | 5,648 |
| Total noninterest income | $998,000 | 3,541 |
| Gross Fiduciary activities income | $9,000 | 1,270 |
| Service charges on deposit accounts | $520,000 | 2,963 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $469,000 | 3,424 |
| Total noninterest expense | $7,505,000 | 2,429 |
| Salaries and employee benefits | $4,003,000 | 2,492 |
| Premises and equipment expense | $1,062,000 | 2,439 |
| Additional noninterest expense | $2,440,000 | 2,220 |
| Pre-tax net operating income | $-1,018,000 | 8,052 |
| Securities gains (losses) | $51,000 | 784 |
| Applicable income taxes | $-311,000 | 8,216 |
| Income before extraordinary items | $-656,000 | 7,982 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-656,000 | 7,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,997 |
| Cash dividends | $730,000 | 3,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-690,680 | 7,987 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,316,000 | 3,839 |
| Total interest expense | $3,130,000 | 3,911 |
| Net interest income | $4,186,000 | 3,708 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $787,000 | 3,435 |
| Gross Fiduciary activities income | $6,000 | 1,244 |
| Service charges on deposit accounts | $394,000 | 2,929 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $387,000 | 3,264 |
| Total noninterest expense | $4,515,000 | 2,939 |
| Salaries and employee benefits | $2,324,000 | 3,122 |
| Premises and equipment expense | $797,000 | 2,421 |
| Additional noninterest expense | $1,394,000 | 2,786 |
| Pre-tax net operating income | $428,000 | 6,049 |
| Securities gains (losses) | $51,000 | 621 |
| Applicable income taxes | $56,000 | 4,869 |
| Income before extraordinary items | $423,000 | 5,713 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $423,000 | 5,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,121 |
| Cash dividends | $381,000 | 3,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $378,120 | 5,920 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,875,000 | 3,854 |
| Total interest expense | $2,139,000 | 3,859 |
| Net interest income | $2,736,000 | 3,789 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $529,000 | 3,444 |
| Gross Fiduciary activities income | $3,000 | 1,282 |
| Service charges on deposit accounts | $263,000 | 2,925 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $263,000 | 3,245 |
| Total noninterest expense | $2,962,000 | 2,998 |
| Salaries and employee benefits | $1,544,000 | 3,170 |
| Premises and equipment expense | $534,000 | 2,415 |
| Additional noninterest expense | $884,000 | 2,926 |
| Pre-tax net operating income | $303,000 | 6,016 |
| Securities gains (losses) | $51,000 | 530 |
| Applicable income taxes | $38,000 | 4,963 |
| Income before extraordinary items | $316,000 | 5,552 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $316,000 | 5,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 1,467 |
| Cash dividends | $381,000 | 2,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $270,610 | 5,859 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,445,000 | 3,838 |
| Total interest expense | $1,115,000 | 3,724 |
| Net interest income | $1,330,000 | 3,857 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $246,000 | 3,575 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $133,000 | 2,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $112,000 | 3,558 |
| Total noninterest expense | $1,480,000 | 3,017 |
| Salaries and employee benefits | $783,000 | 3,144 |
| Premises and equipment expense | $272,000 | 2,394 |
| Additional noninterest expense | $425,000 | 3,015 |
| Pre-tax net operating income | $96,000 | 6,719 |
| Securities gains (losses) | $51,000 | 412 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $146,000 | 5,695 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $146,000 | 5,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $190,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $95,510 | 6,452 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,013,000 | 3,865 |
| Total interest expense | $3,194,000 | 4,152 |
| Net interest income | $5,819,000 | 3,608 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $942,000 | 3,686 |
| Gross Fiduciary activities income | $4,000 | 1,374 |
| Service charges on deposit accounts | $543,000 | 2,890 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $395,000 | 3,757 |
| Total noninterest expense | $5,650,000 | 3,019 |
| Salaries and employee benefits | $3,131,000 | 3,012 |
| Premises and equipment expense | $794,000 | 3,029 |
| Additional noninterest expense | $1,725,000 | 2,935 |
| Pre-tax net operating income | $1,111,000 | 4,960 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $112,000 | 4,878 |
| Income before extraordinary items | $999,000 | 4,728 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $999,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,266 |
| Cash dividends | $814,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,112 |
| Net operating income | $999,000 | 4,717 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,658,000 | 3,877 |
| Total interest expense | $2,228,000 | 4,255 |
| Net interest income | $4,430,000 | 3,581 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $721,000 | 3,648 |
| Gross Fiduciary activities income | $3,000 | 1,330 |
| Service charges on deposit accounts | $411,000 | 2,890 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $307,000 | 3,697 |
| Total noninterest expense | $4,200,000 | 3,040 |
| Salaries and employee benefits | $2,328,000 | 3,025 |
| Premises and equipment expense | $572,000 | 3,123 |
| Additional noninterest expense | $1,300,000 | 2,900 |
| Pre-tax net operating income | $951,000 | 4,823 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $129,000 | 4,664 |
| Income before extraordinary items | $822,000 | 4,635 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $822,000 | 4,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,490 |
| Cash dividends | $603,000 | 2,642 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 919 |
| Net operating income | $822,000 | 4,630 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 3,904 |
| Total interest expense | $1,418,000 | 4,254 |
| Net interest income | $2,909,000 | 3,628 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $494,000 | 3,556 |
| Gross Fiduciary activities income | $2,000 | 1,334 |
| Service charges on deposit accounts | $282,000 | 2,793 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $210,000 | 3,655 |
| Total noninterest expense | $2,793,000 | 3,063 |
| Salaries and employee benefits | $1,543,000 | 3,049 |
| Premises and equipment expense | $378,000 | 3,138 |
| Additional noninterest expense | $872,000 | 2,902 |
| Pre-tax net operating income | $610,000 | 4,952 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $82,000 | 4,751 |
| Income before extraordinary items | $528,000 | 4,750 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $528,000 | 4,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $391,000 | 2,761 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 793 |
| Net operating income | $528,000 | 4,737 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,095,000 | 3,933 |
| Total interest expense | $658,000 | 4,332 |
| Net interest income | $1,437,000 | 3,658 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $255,000 | 3,414 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $142,000 | 2,709 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $112,000 | 3,511 |
| Total noninterest expense | $1,382,000 | 3,094 |
| Salaries and employee benefits | $762,000 | 3,097 |
| Premises and equipment expense | $207,000 | 2,939 |
| Additional noninterest expense | $413,000 | 3,028 |
| Pre-tax net operating income | $310,000 | 4,884 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $44,000 | 4,649 |
| Income before extraordinary items | $266,000 | 4,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $266,000 | 4,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,616 |
| Cash dividends | $190,000 | 2,486 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 604 |
| Net operating income | $266,000 | 4,694 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,189,000 | 3,694 |
| Total interest expense | $2,251,000 | 4,093 |
| Net interest income | $5,938,000 | 3,451 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,026,000 | 3,498 |
| Gross Fiduciary activities income | $3,000 | 1,412 |
| Service charges on deposit accounts | $576,000 | 2,748 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $447,000 | 3,570 |
| Total noninterest expense | $5,150,000 | 3,154 |
| Salaries and employee benefits | $2,811,000 | 3,146 |
| Premises and equipment expense | $763,000 | 3,019 |
| Additional noninterest expense | $1,576,000 | 3,113 |
| Pre-tax net operating income | $1,814,000 | 3,937 |
| Securities gains (losses) | $-73,000 | 8,323 |
| Applicable income taxes | $369,000 | 3,827 |
| Income before extraordinary items | $1,372,000 | 4,011 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,372,000 | 4,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,884 |
| Cash dividends | $655,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 853 |
| Net operating income | $1,429,670 | 3,876 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,114,000 | 3,647 |
| Total interest expense | $1,621,000 | 4,082 |
| Net interest income | $4,493,000 | 3,417 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $761,000 | 3,524 |
| Gross Fiduciary activities income | $3,000 | 1,346 |
| Service charges on deposit accounts | $428,000 | 2,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $330,000 | 3,632 |
| Total noninterest expense | $3,765,000 | 3,200 |
| Salaries and employee benefits | $2,036,000 | 3,225 |
| Premises and equipment expense | $572,000 | 3,002 |
| Additional noninterest expense | $1,157,000 | 3,128 |
| Pre-tax net operating income | $1,489,000 | 3,772 |
| Securities gains (losses) | $-73,000 | 8,574 |
| Applicable income taxes | $324,000 | 3,669 |
| Income before extraordinary items | $1,092,000 | 3,921 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,092,000 | 3,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $475,000 | 2,893 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 696 |
| Net operating income | $1,148,210 | 3,746 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,011,000 | 3,625 |
| Total interest expense | $1,018,000 | 4,074 |
| Net interest income | $2,993,000 | 3,409 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $500,000 | 3,516 |
| Gross Fiduciary activities income | $2,000 | 1,342 |
| Service charges on deposit accounts | $286,000 | 2,712 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $212,000 | 3,664 |
| Total noninterest expense | $2,483,000 | 3,215 |
| Salaries and employee benefits | $1,318,000 | 3,289 |
| Premises and equipment expense | $369,000 | 3,055 |
| Additional noninterest expense | $796,000 | 3,028 |
| Pre-tax net operating income | $1,010,000 | 3,674 |
| Securities gains (losses) | $-73,000 | 8,663 |
| Applicable income taxes | $222,000 | 3,612 |
| Income before extraordinary items | $715,000 | 3,936 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $715,000 | 3,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,314 |
| Cash dividends | $306,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 556 |
| Net operating income | $770,480 | 3,679 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,941,000 | 3,684 |
| Total interest expense | $495,000 | 4,049 |
| Net interest income | $1,446,000 | 3,505 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $264,000 | 3,345 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $140,000 | 2,694 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $123,000 | 3,343 |
| Total noninterest expense | $1,223,000 | 3,273 |
| Salaries and employee benefits | $671,000 | 3,241 |
| Premises and equipment expense | $178,000 | 3,180 |
| Additional noninterest expense | $374,000 | 3,193 |
| Pre-tax net operating income | $487,000 | 3,753 |
| Securities gains (losses) | $-73,000 | 8,816 |
| Applicable income taxes | $103,000 | 3,716 |
| Income before extraordinary items | $311,000 | 4,265 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $311,000 | 4,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,093 |
| Cash dividends | $148,000 | 2,602 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 374 |
| Net operating income | $365,750 | 3,819 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,407,000 | 3,638 |
| Total interest expense | $1,804,000 | 3,973 |
| Net interest income | $5,603,000 | 3,491 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,078,000 | 3,365 |
| Gross Fiduciary activities income | $4,000 | 1,430 |
| Service charges on deposit accounts | $616,000 | 2,652 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $458,000 | 3,477 |
| Total noninterest expense | $4,832,000 | 3,215 |
| Salaries and employee benefits | $2,507,000 | 3,340 |
| Premises and equipment expense | $723,000 | 3,049 |
| Additional noninterest expense | $1,602,000 | 2,970 |
| Pre-tax net operating income | $1,849,000 | 3,723 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $476,000 | 3,425 |
| Income before extraordinary items | $1,373,000 | 3,851 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,373,000 | 3,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,509 |
| Cash dividends | $527,000 | 3,443 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 686 |
| Net operating income | $1,373,000 | 3,786 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,439,000 | 3,676 |
| Total interest expense | $1,320,000 | 4,006 |
| Net interest income | $4,119,000 | 3,514 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $819,000 | 3,346 |
| Gross Fiduciary activities income | $3,000 | 1,390 |
| Service charges on deposit accounts | $465,000 | 2,648 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $351,000 | 3,429 |
| Total noninterest expense | $3,606,000 | 3,209 |
| Salaries and employee benefits | $1,829,000 | 3,381 |
| Premises and equipment expense | $545,000 | 3,026 |
| Additional noninterest expense | $1,232,000 | 2,860 |
| Pre-tax net operating income | $1,332,000 | 3,891 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $338,000 | 3,576 |
| Income before extraordinary items | $994,000 | 4,017 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $994,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,071 |
| Cash dividends | $379,000 | 3,111 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 565 |
| Net operating income | $994,000 | 3,951 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,569,000 | 3,726 |
| Total interest expense | $880,000 | 3,995 |
| Net interest income | $2,689,000 | 3,562 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $562,000 | 3,311 |
| Gross Fiduciary activities income | $2,000 | 1,383 |
| Service charges on deposit accounts | $313,000 | 2,624 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $247,000 | 3,343 |
| Total noninterest expense | $2,385,000 | 3,231 |
| Salaries and employee benefits | $1,201,000 | 3,440 |
| Premises and equipment expense | $370,000 | 2,982 |
| Additional noninterest expense | $814,000 | 2,894 |
| Pre-tax net operating income | $866,000 | 3,906 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $215,000 | 3,631 |
| Income before extraordinary items | $651,000 | 4,017 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $651,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,403 |
| Cash dividends | $242,000 | 3,194 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 509 |
| Net operating income | $651,000 | 3,935 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,782,000 | 3,731 |
| Total interest expense | $447,000 | 3,993 |
| Net interest income | $1,335,000 | 3,577 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $273,000 | 3,312 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $157,000 | 2,581 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $115,000 | 3,415 |
| Total noninterest expense | $1,159,000 | 3,320 |
| Salaries and employee benefits | $601,000 | 3,449 |
| Premises and equipment expense | $192,000 | 2,926 |
| Additional noninterest expense | $366,000 | 3,166 |
| Pre-tax net operating income | $449,000 | 3,790 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $112,000 | 3,591 |
| Income before extraordinary items | $337,000 | 3,948 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $337,000 | 3,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 1,522 |
| Cash dividends | $116,000 | 2,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $337,000 | 3,822 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,116,000 | 3,765 |
| Total interest expense | $1,968,000 | 4,080 |
| Net interest income | $5,148,000 | 3,613 |
| Provision for loan and lease losses | $68,000 | 5,867 |
| Total noninterest income | $1,224,000 | 3,257 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $595,000 | 2,709 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $625,000 | 3,173 |
| Total noninterest expense | $4,904,000 | 3,098 |
| Salaries and employee benefits | $2,610,000 | 3,153 |
| Premises and equipment expense | $696,000 | 3,097 |
| Additional noninterest expense | $1,598,000 | 2,908 |
| Pre-tax net operating income | $1,400,000 | 4,310 |
| Securities gains (losses) | $36,000 | 2,779 |
| Applicable income taxes | $351,000 | 4,032 |
| Income before extraordinary items | $1,085,000 | 4,420 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,085,000 | 4,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,487 |
| Cash dividends | $351,000 | 4,137 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 737 |
| Net operating income | $1,057,640 | 4,314 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,272,000 | 3,861 |
| Total interest expense | $1,507,000 | 4,123 |
| Net interest income | $3,765,000 | 3,685 |
| Provision for loan and lease losses | $68,000 | 5,354 |
| Total noninterest income | $923,000 | 3,311 |
| Gross Fiduciary activities income | $2,000 | 1,482 |
| Service charges on deposit accounts | $442,000 | 2,735 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $479,000 | 3,208 |
| Total noninterest expense | $3,675,000 | 3,093 |
| Salaries and employee benefits | $1,963,000 | 3,149 |
| Premises and equipment expense | $523,000 | 3,103 |
| Additional noninterest expense | $1,189,000 | 2,902 |
| Pre-tax net operating income | $945,000 | 4,704 |
| Securities gains (losses) | $36,000 | 2,564 |
| Applicable income taxes | $237,000 | 4,372 |
| Income before extraordinary items | $744,000 | 4,800 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $744,000 | 4,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 1,942 |
| Cash dividends | $246,000 | 3,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $716,640 | 4,742 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,538,000 | 3,858 |
| Total interest expense | $1,027,000 | 4,164 |
| Net interest income | $2,511,000 | 3,684 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $591,000 | 3,380 |
| Gross Fiduciary activities income | $1,000 | 1,488 |
| Service charges on deposit accounts | $294,000 | 2,693 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $296,000 | 3,319 |
| Total noninterest expense | $2,464,000 | 3,081 |
| Salaries and employee benefits | $1,320,000 | 3,113 |
| Premises and equipment expense | $356,000 | 3,037 |
| Additional noninterest expense | $788,000 | 2,904 |
| Pre-tax net operating income | $558,000 | 5,038 |
| Securities gains (losses) | $36,000 | 2,247 |
| Applicable income taxes | $144,000 | 4,570 |
| Income before extraordinary items | $450,000 | 5,087 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $450,000 | 5,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 1,633 |
| Cash dividends | $162,000 | 3,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $422,640 | 5,061 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,779,000 | 3,858 |
| Total interest expense | $525,000 | 4,184 |
| Net interest income | $1,254,000 | 3,674 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $250,000 | 3,643 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $144,000 | 2,659 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $105,000 | 3,842 |
| Total noninterest expense | $1,213,000 | 3,106 |
| Salaries and employee benefits | $661,000 | 3,103 |
| Premises and equipment expense | $179,000 | 3,031 |
| Additional noninterest expense | $373,000 | 3,030 |
| Pre-tax net operating income | $241,000 | 5,372 |
| Securities gains (losses) | $35,000 | 1,588 |
| Applicable income taxes | $67,000 | 4,650 |
| Income before extraordinary items | $209,000 | 5,217 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $209,000 | 5,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 986 |
| Cash dividends | $78,000 | 3,141 |
| 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 | $8,148,000 | 3,593 |
| Total interest expense | $2,829,000 | 3,705 |
| Net interest income | $5,319,000 | 3,483 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $1,090,000 | 3,292 |
| Gross Fiduciary activities income | $4,000 | 1,538 |
| Service charges on deposit accounts | $565,000 | 2,689 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $521,000 | 3,208 |
| Total noninterest expense | $5,096,000 | 2,876 |
| Salaries and employee benefits | $2,630,000 | 2,988 |
| Premises and equipment expense | $706,000 | 2,983 |
| Additional noninterest expense | $1,760,000 | 2,589 |
| Pre-tax net operating income | $913,000 | 5,438 |
| Securities gains (losses) | $104,000 | 1,711 |
| Applicable income taxes | $261,000 | 4,685 |
| Income before extraordinary items | $756,000 | 5,354 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $756,000 | 5,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $599,000 | 1,435 |
| Cash dividends | $362,000 | 4,012 |
| Sale, conversion, retirement of capital stock, net | $-1,792,000 | 9,334 |
| Net operating income | $679,040 | 5,494 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,900,000 | 3,341 |
| Total interest expense | $4,399,000 | 3,528 |
| Net interest income | $5,501,000 | 3,176 |
| Provision for loan and lease losses | $350,000 | 2,901 |
| Total noninterest income | $785,000 | 3,902 |
| Gross Fiduciary activities income | $4,000 | 1,566 |
| Service charges on deposit accounts | $451,000 | 3,089 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $330,000 | 3,907 |
| Total noninterest expense | $5,228,000 | 2,714 |
| Salaries and employee benefits | $2,647,000 | 2,813 |
| Premises and equipment expense | $681,000 | 3,023 |
| Additional noninterest expense | $1,900,000 | 2,351 |
| Pre-tax net operating income | $708,000 | 5,788 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $189,000 | 5,130 |
| Income before extraordinary items | $542,000 | 5,878 |
| Extraordinary gains, net | $402,000 | 38 |
| Net income | $944,000 | 4,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 1,604 |
| Cash dividends | $379,000 | 3,992 |
| Sale, conversion, retirement of capital stock, net | $-568,000 | 9,556 |
| Net operating income | $524,980 | 5,842 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,526,000 | 3,258 |
| Total interest expense | $4,456,000 | 3,652 |
| Net interest income | $6,070,000 | 2,901 |
| Provision for loan and lease losses | $255,000 | 3,188 |
| Total noninterest income | $730,000 | 3,889 |
| Gross Fiduciary activities income | $11,000 | 1,210 |
| Service charges on deposit accounts | $369,000 | 3,448 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $350,000 | 3,621 |
| Total noninterest expense | $5,421,000 | 2,513 |
| Salaries and employee benefits | $2,604,000 | 2,735 |
| Premises and equipment expense | $682,000 | 2,931 |
| Additional noninterest expense | $2,135,000 | 2,032 |
| Pre-tax net operating income | $1,124,000 | 4,926 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $195,000 | 5,439 |
| Income before extraordinary items | $924,000 | 4,610 |
| Extraordinary gains, net | $-501,000 | 9,896 |
| Net income | $423,000 | 6,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $629,000 | 1,053 |
| Cash dividends | $347,000 | 4,228 |
| Sale, conversion, retirement of capital stock, net | $721,000 | 495 |
| Net operating income | $928,150 | 4,591 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,935,000 | 3,238 |
| Total interest expense | $3,887,000 | 3,677 |
| Net interest income | $6,048,000 | 2,910 |
| Provision for loan and lease losses | $401,000 | 2,098 |
| Total noninterest income | $612,000 | 4,369 |
| Gross Fiduciary activities income | $13,000 | 1,242 |
| Service charges on deposit accounts | $330,000 | 3,716 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $269,000 | 4,272 |
| Total noninterest expense | $5,010,000 | 2,695 |
| Salaries and employee benefits | $2,320,000 | 3,008 |
| Premises and equipment expense | $629,000 | 3,124 |
| Additional noninterest expense | $2,061,000 | 2,115 |
| Pre-tax net operating income | $1,249,000 | 4,651 |
| Securities gains (losses) | $-6,000 | 9,143 |
| Applicable income taxes | $293,000 | 4,867 |
| Income before extraordinary items | $950,000 | 4,583 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $950,000 | 4,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $683,000 | 948 |
| Cash dividends | $230,000 | 5,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $954,560 | 4,529 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,766,000 | 3,311 |
| Total interest expense | $4,250,000 | 3,493 |
| Net interest income | $5,516,000 | 3,112 |
| Provision for loan and lease losses | $418,000 | 2,005 |
| Total noninterest income | $1,275,000 | 2,563 |
| Gross Fiduciary activities income | $31,000 | 1,181 |
| Service charges on deposit accounts | $321,000 | 3,726 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $923,000 | 1,974 |
| Total noninterest expense | $5,745,000 | 2,273 |
| Salaries and employee benefits | $2,024,000 | 3,292 |
| Premises and equipment expense | $519,000 | 3,576 |
| Additional noninterest expense | $3,202,000 | 1,373 |
| Pre-tax net operating income | $628,000 | 6,775 |
| Securities gains (losses) | $-3,000 | 9,968 |
| Applicable income taxes | $-536,000 | 10,397 |
| Income before extraordinary items | $1,161,000 | 4,041 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,161,000 | 4,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $833,000 | 867 |
| Cash dividends | $152,000 | 5,755 |
| Sale, conversion, retirement of capital stock, net | $-721,000 | 10,412 |
| Net operating income | $1,164,000 | 3,934 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,564,000 | 3,381 |
| Total interest expense | $4,104,000 | 3,580 |
| Net interest income | $5,460,000 | 3,200 |
| Provision for loan and lease losses | $385,000 | 2,165 |
| Total noninterest income | $661,000 | 4,141 |
| Gross Fiduciary activities income | $73,000 | 1,110 |
| Service charges on deposit accounts | $261,000 | 4,510 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $327,000 | 3,744 |
| Total noninterest expense | $5,022,000 | 2,555 |
| Salaries and employee benefits | $1,814,000 | 3,613 |
| Premises and equipment expense | $459,000 | 3,981 |
| Additional noninterest expense | $2,749,000 | 1,562 |
| Pre-tax net operating income | $714,000 | 6,920 |
| Securities gains (losses) | $88,000 | 1,048 |
| Applicable income taxes | $-124,000 | 10,733 |
| Income before extraordinary items | $926,000 | 4,957 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $926,000 | 4,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $593,000 | 1,171 |
| Cash dividends | $163,000 | 5,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $838,000 | 5,246 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,937,000 | 3,640 |
| Total interest expense | $4,295,000 | 3,469 |
| Net interest income | $4,642,000 | 3,789 |
| Provision for loan and lease losses | $633,000 | 1,447 |
| Total noninterest income | $383,000 | 6,098 |
| Gross Fiduciary activities income | $33,000 | 1,295 |
| Service charges on deposit accounts | $234,000 | 5,061 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $116,000 | 6,703 |
| Total noninterest expense | $4,146,000 | 3,248 |
| Salaries and employee benefits | $1,620,000 | 4,018 |
| Premises and equipment expense | $393,000 | 4,592 |
| Additional noninterest expense | $2,133,000 | 2,313 |
| Pre-tax net operating income | $246,000 | 9,509 |
| Securities gains (losses) | $-6,000 | 10,029 |
| Applicable income taxes | $106,000 | 8,649 |
| Income before extraordinary items | $134,000 | 9,940 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $134,000 | 9,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,112,000 | 841 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $137,840 | 9,856 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,974,000 | 3,629 |
| Total interest expense | $4,348,000 | 3,432 |
| Net interest income | $4,626,000 | 3,798 |
| Provision for loan and lease losses | $677,000 | 1,248 |
| Total noninterest income | $305,000 | 7,023 |
| Gross Fiduciary activities income | $40,000 | 1,325 |
| Service charges on deposit accounts | $185,000 | 5,967 |
| Trading account gains and fees | $1,000 | 505 |
| Additional Noninterest Income | $79,000 | 7,981 |
| Total noninterest expense | $4,636,000 | 2,906 |
| Salaries and employee benefits | $1,590,000 | 4,069 |
| Premises and equipment expense | $393,000 | 4,613 |
| Additional noninterest expense | $2,653,000 | 1,884 |
| Pre-tax net operating income | $-382,000 | 11,761 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-393,000 | 11,772 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-393,000 | 11,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $714,000 | 1,098 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-382,000 | 11,757 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,556,000 | 3,505 |
| Total interest expense | $3,959,000 | 3,085 |
| Net interest income | $4,597,000 | 3,839 |
| Provision for loan and lease losses | $3,012,000 | 432 |
| Total noninterest income | $305,000 | 7,183 |
| Gross Fiduciary activities income | $33,000 | 1,372 |
| Service charges on deposit accounts | $189,000 | 6,086 |
| Trading account gains and fees | $13,000 | 363 |
| Additional Noninterest Income | $70,000 | 8,653 |
| Total noninterest expense | $4,772,000 | 2,888 |
| Salaries and employee benefits | $1,449,000 | 4,407 |
| Premises and equipment expense | $394,000 | 4,638 |
| Additional noninterest expense | $2,929,000 | 1,850 |
| Pre-tax net operating income | $-2,882,000 | 12,552 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-1,103,000 | 12,528 |
| Income before extraordinary items | $-1,779,000 | 12,485 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,779,000 | 12,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,891,000 | 427 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-1,779,000 | 12,483 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,697,000 | 3,186 |
| Total interest expense | $5,115,000 | 2,524 |
| Net interest income | $4,582,000 | 3,867 |
| Provision for loan and lease losses | $400,000 | 2,455 |
| Total noninterest income | $332,000 | 7,244 |
| Gross Fiduciary activities income | $46,000 | 1,355 |
| Service charges on deposit accounts | $203,000 | 5,916 |
| Trading account gains and fees | $14,000 | 402 |
| Additional Noninterest Income | $69,000 | 9,126 |
| Total noninterest expense | $3,759,000 | 3,684 |
| Salaries and employee benefits | $1,434,000 | 4,455 |
| Premises and equipment expense | $353,000 | 5,195 |
| Additional noninterest expense | $1,972,000 | 2,767 |
| Pre-tax net operating income | $755,000 | 7,062 |
| Securities gains (losses) | $652,000 | 751 |
| Applicable income taxes | $123,000 | 9,238 |
| Income before extraordinary items | $1,284,000 | 3,762 |
| Extraordinary gains, net | $-1,379,000 | 13,219 |
| Net income | $-95,000 | 12,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $788,000 | 1,334 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $690,680 | 5,913 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,809,000 | 2,974 |
| Total interest expense | $7,044,000 | 2,389 |
| Net interest income | $4,765,000 | 3,812 |
| Provision for loan and lease losses | $75,000 | 8,067 |
| Total noninterest income | $425,000 | 6,307 |
| Gross Fiduciary activities income | $47,000 | 1,375 |
| Service charges on deposit accounts | $239,000 | 5,295 |
| Trading account gains and fees | $73,000 | 289 |
| Additional Noninterest Income | $66,000 | 9,490 |
| Total noninterest expense | $4,284,000 | 3,289 |
| Salaries and employee benefits | $1,379,000 | 4,561 |
| Premises and equipment expense | $287,000 | 6,169 |
| Additional noninterest expense | $2,618,000 | 2,244 |
| Pre-tax net operating income | $831,000 | 6,424 |
| Securities gains (losses) | $690,000 | 853 |
| Applicable income taxes | $322,000 | 5,667 |
| Income before extraordinary items | $1,199,000 | 3,816 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,199,000 | 3,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,757,000 | 779 |
| Cash dividends | $229,000 | 4,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $653,900 | 5,852 |
* 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.