Home > Main Street Bank & Trust > Income and Expense
Main Street Bank & Trust, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,590,000 | 1,915 |
| Total interest expense | $7,535,000 | 1,944 |
| Net interest income | $9,055,000 | 1,887 |
| Provision for loan and lease losses | $300,000 | 2,302 |
| Total noninterest income | $2,454,000 | 1,546 |
| Gross Fiduciary activities income | $1,298,000 | 298 |
| Service charges on deposit accounts | $462,000 | 2,606 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $694,000 | 2,336 |
| Total noninterest expense | $5,886,000 | 2,310 |
| Salaries and employee benefits | $3,247,000 | 2,323 |
| Premises and equipment expense | $776,000 | 2,478 |
| Additional noninterest expense | $1,863,000 | 2,140 |
| Pre-tax net operating income | $5,323,000 | 1,281 |
| Securities gains (losses) | $38,000 | 681 |
| Applicable income taxes | $1,924,000 | 992 |
| Income before extraordinary items | $3,437,000 | 1,480 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,437,000 | 1,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,343 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,412,680 | 1,482 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $46,008,000 | 489 |
| Total interest expense | $21,833,000 | 486 |
| Net interest income | $24,175,000 | 493 |
| Provision for loan and lease losses | $1,050,000 | 563 |
| Total noninterest income | $8,140,000 | 448 |
| Gross Fiduciary activities income | $3,900,000 | 124 |
| Service charges on deposit accounts | $1,245,000 | 698 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,995,000 | 612 |
| Total noninterest expense | $18,094,000 | 536 |
| Salaries and employee benefits | $10,855,000 | 466 |
| Premises and equipment expense | $2,403,000 | 569 |
| Additional noninterest expense | $4,836,000 | 594 |
| Pre-tax net operating income | $13,171,000 | 447 |
| Securities gains (losses) | $223,000 | 290 |
| Applicable income taxes | $4,765,000 | 400 |
| Income before extraordinary items | $8,629,000 | 473 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,629,000 | 472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,126,000 | 268 |
| Cash dividends | $8,000,000 | 299 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $8,486,280 | 467 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $22,737,000 | 490 |
| Total interest expense | $10,854,000 | 482 |
| Net interest income | $11,883,000 | 499 |
| Provision for loan and lease losses | $600,000 | 449 |
| Total noninterest income | $3,994,000 | 455 |
| Gross Fiduciary activities income | $1,872,000 | 124 |
| Service charges on deposit accounts | $564,000 | 743 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,558,000 | 594 |
| Total noninterest expense | $8,872,000 | 541 |
| Salaries and employee benefits | $5,359,000 | 473 |
| Premises and equipment expense | $1,210,000 | 560 |
| Additional noninterest expense | $2,303,000 | 605 |
| Pre-tax net operating income | $6,405,000 | 449 |
| Securities gains (losses) | $223,000 | 187 |
| Applicable income taxes | $2,359,000 | 403 |
| Income before extraordinary items | $4,269,000 | 470 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,269,000 | 469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,306,000 | 200 |
| Cash dividends | $4,000,000 | 272 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $4,126,280 | 469 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $90,138,000 | 459 |
| Total interest expense | $40,971,000 | 437 |
| Net interest income | $49,167,000 | 466 |
| Provision for loan and lease losses | $1,800,000 | 610 |
| Total noninterest income | $15,719,000 | 454 |
| Gross Fiduciary activities income | $7,503,000 | 120 |
| Service charges on deposit accounts | $2,719,000 | 639 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,497,000 | 636 |
| Total noninterest expense | $35,988,000 | 515 |
| Salaries and employee benefits | $21,125,000 | 454 |
| Premises and equipment expense | $4,791,000 | 528 |
| Additional noninterest expense | $10,072,000 | 562 |
| Pre-tax net operating income | $27,098,000 | 444 |
| Securities gains (losses) | $37,000 | 748 |
| Applicable income taxes | $9,593,000 | 406 |
| Income before extraordinary items | $17,542,000 | 475 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $17,542,000 | 474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $835,000 | 807 |
| Cash dividends | $16,000,000 | 272 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $17,517,950 | 464 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $67,113,000 | 470 |
| Total interest expense | $29,990,000 | 446 |
| Net interest income | $37,123,000 | 479 |
| Provision for loan and lease losses | $1,350,000 | 578 |
| Total noninterest income | $11,512,000 | 478 |
| Gross Fiduciary activities income | $5,482,000 | 128 |
| Service charges on deposit accounts | $2,061,000 | 629 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,969,000 | 660 |
| Total noninterest expense | $27,001,000 | 530 |
| Salaries and employee benefits | $15,837,000 | 468 |
| Premises and equipment expense | $3,614,000 | 536 |
| Additional noninterest expense | $7,550,000 | 564 |
| Pre-tax net operating income | $20,284,000 | 461 |
| Securities gains (losses) | $37,000 | 619 |
| Applicable income taxes | $7,179,000 | 431 |
| Income before extraordinary items | $13,142,000 | 488 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $13,142,000 | 487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $589,000 | 711 |
| Cash dividends | $12,000,000 | 266 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $13,117,950 | 478 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $44,159,000 | 462 |
| Total interest expense | $19,327,000 | 439 |
| Net interest income | $24,832,000 | 480 |
| Provision for loan and lease losses | $900,000 | 570 |
| Total noninterest income | $7,625,000 | 480 |
| Gross Fiduciary activities income | $3,554,000 | 136 |
| Service charges on deposit accounts | $1,391,000 | 607 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,680,000 | 642 |
| Total noninterest expense | $17,786,000 | 543 |
| Salaries and employee benefits | $10,418,000 | 480 |
| Premises and equipment expense | $2,416,000 | 535 |
| Additional noninterest expense | $4,952,000 | 576 |
| Pre-tax net operating income | $13,771,000 | 453 |
| Securities gains (losses) | $37,000 | 499 |
| Applicable income taxes | $4,886,000 | 425 |
| Income before extraordinary items | $8,922,000 | 484 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,922,000 | 483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $477,000 | 594 |
| Cash dividends | $8,000,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $8,897,950 | 472 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $21,694,000 | 460 |
| Total interest expense | $9,173,000 | 437 |
| Net interest income | $12,521,000 | 471 |
| Provision for loan and lease losses | $450,000 | 528 |
| Total noninterest income | $3,738,000 | 477 |
| Gross Fiduciary activities income | $1,768,000 | 132 |
| Service charges on deposit accounts | $685,000 | 597 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,285,000 | 667 |
| Total noninterest expense | $8,805,000 | 538 |
| Salaries and employee benefits | $5,258,000 | 471 |
| Premises and equipment expense | $1,192,000 | 531 |
| Additional noninterest expense | $2,355,000 | 586 |
| Pre-tax net operating income | $7,004,000 | 439 |
| Securities gains (losses) | $37,000 | 386 |
| Applicable income taxes | $2,498,000 | 416 |
| Income before extraordinary items | $4,543,000 | 474 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,543,000 | 473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 439 |
| Cash dividends | $4,000,000 | 250 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $4,518,950 | 465 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $75,087,000 | 467 |
| Total interest expense | $27,181,000 | 447 |
| Net interest income | $47,906,000 | 468 |
| Provision for loan and lease losses | $1,530,000 | 698 |
| Total noninterest income | $15,245,000 | 471 |
| Gross Fiduciary activities income | $7,149,000 | 125 |
| Service charges on deposit accounts | $2,923,000 | 582 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,173,000 | 667 |
| Total noninterest expense | $35,217,000 | 518 |
| Salaries and employee benefits | $20,888,000 | 454 |
| Premises and equipment expense | $4,828,000 | 508 |
| Additional noninterest expense | $9,501,000 | 582 |
| Pre-tax net operating income | $26,404,000 | 445 |
| Securities gains (losses) | $12,000 | 1,423 |
| Applicable income taxes | $9,428,000 | 414 |
| Income before extraordinary items | $16,988,000 | 470 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $16,988,000 | 470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,141,000 | 608 |
| Cash dividends | $24,000,000 | 209 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $16,980,320 | 458 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $45,544,000 | 550 |
| Total interest expense | $15,752,000 | 533 |
| Net interest income | $29,792,000 | 551 |
| Provision for loan and lease losses | $880,000 | 860 |
| Total noninterest income | $10,586,000 | 503 |
| Gross Fiduciary activities income | $5,465,000 | 122 |
| Service charges on deposit accounts | $1,616,000 | 805 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,505,000 | 718 |
| Total noninterest expense | $22,298,000 | 601 |
| Salaries and employee benefits | $13,548,000 | 507 |
| Premises and equipment expense | $3,079,000 | 590 |
| Additional noninterest expense | $5,671,000 | 697 |
| Pre-tax net operating income | $17,200,000 | 479 |
| Securities gains (losses) | $-7,000 | 7,795 |
| Applicable income taxes | $6,046,000 | 455 |
| Income before extraordinary items | $11,147,000 | 520 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $11,147,000 | 519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 960 |
| Cash dividends | $16,000,000 | 214 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $11,151,550 | 507 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $29,683,000 | 547 |
| Total interest expense | $9,877,000 | 531 |
| Net interest income | $19,806,000 | 548 |
| Provision for loan and lease losses | $550,000 | 895 |
| Total noninterest income | $6,693,000 | 507 |
| Gross Fiduciary activities income | $3,419,000 | 124 |
| Service charges on deposit accounts | $1,055,000 | 802 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,219,000 | 747 |
| Total noninterest expense | $14,966,000 | 590 |
| Salaries and employee benefits | $9,060,000 | 506 |
| Premises and equipment expense | $2,075,000 | 575 |
| Additional noninterest expense | $3,831,000 | 692 |
| Pre-tax net operating income | $10,983,000 | 489 |
| Securities gains (losses) | $-7,000 | 8,039 |
| Applicable income taxes | $3,843,000 | 469 |
| Income before extraordinary items | $7,133,000 | 532 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,133,000 | 532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,928 |
| Cash dividends | $14,000,000 | 161 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $7,137,550 | 516 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $14,391,000 | 550 |
| Total interest expense | $4,512,000 | 549 |
| Net interest income | $9,879,000 | 540 |
| Provision for loan and lease losses | $330,000 | 697 |
| Total noninterest income | $3,346,000 | 498 |
| Gross Fiduciary activities income | $1,723,000 | 129 |
| Service charges on deposit accounts | $526,000 | 777 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,097,000 | 732 |
| Total noninterest expense | $7,286,000 | 601 |
| Salaries and employee benefits | $4,377,000 | 515 |
| Premises and equipment expense | $1,051,000 | 560 |
| Additional noninterest expense | $1,858,000 | 694 |
| Pre-tax net operating income | $5,609,000 | 486 |
| Securities gains (losses) | $-5,000 | 8,378 |
| Applicable income taxes | $1,980,000 | 467 |
| Income before extraordinary items | $3,624,000 | 522 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,624,000 | 522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,365 |
| Cash dividends | $12,000,000 | 102 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,627,250 | 505 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $54,384,000 | 543 |
| Total interest expense | $16,877,000 | 499 |
| Net interest income | $37,507,000 | 551 |
| Provision for loan and lease losses | $1,100,000 | 960 |
| Total noninterest income | $12,665,000 | 522 |
| Gross Fiduciary activities income | $6,157,000 | 133 |
| Service charges on deposit accounts | $2,419,000 | 725 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,089,000 | 773 |
| Total noninterest expense | $27,139,000 | 616 |
| Salaries and employee benefits | $12,098,000 | 702 |
| Premises and equipment expense | $3,389,000 | 683 |
| Additional noninterest expense | $11,652,000 | 481 |
| Pre-tax net operating income | $21,933,000 | 464 |
| Securities gains (losses) | $133,000 | 1,059 |
| Applicable income taxes | $7,709,000 | 440 |
| Income before extraordinary items | $14,357,000 | 498 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $14,357,000 | 499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,236,000 | 663 |
| Cash dividends | $9,000,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $14,270,550 | 487 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $25,135,000 | 823 |
| Total interest expense | $7,471,000 | 802 |
| Net interest income | $17,664,000 | 842 |
| Provision for loan and lease losses | $630,000 | 1,186 |
| Total noninterest income | $5,994,000 | 732 |
| Gross Fiduciary activities income | $2,764,000 | 179 |
| Service charges on deposit accounts | $1,104,000 | 1,216 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,126,000 | 1,031 |
| Total noninterest expense | $12,308,000 | 992 |
| Salaries and employee benefits | $5,712,000 | 1,122 |
| Premises and equipment expense | $1,596,000 | 1,092 |
| Additional noninterest expense | $5,000,000 | 757 |
| Pre-tax net operating income | $10,720,000 | 645 |
| Securities gains (losses) | $133,000 | 1,007 |
| Applicable income taxes | $3,815,000 | 607 |
| Income before extraordinary items | $7,038,000 | 721 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $7,038,000 | 722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $722,000 | 721 |
| Cash dividends | $4,000,000 | 547 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,951,550 | 697 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $16,541,000 | 827 |
| Total interest expense | $4,723,000 | 820 |
| Net interest income | $11,818,000 | 828 |
| Provision for loan and lease losses | $420,000 | 1,177 |
| Total noninterest income | $4,113,000 | 715 |
| Gross Fiduciary activities income | $1,860,000 | 183 |
| Service charges on deposit accounts | $724,000 | 1,221 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,529,000 | 973 |
| Total noninterest expense | $8,109,000 | 999 |
| Salaries and employee benefits | $3,740,000 | 1,164 |
| Premises and equipment expense | $1,044,000 | 1,110 |
| Additional noninterest expense | $3,325,000 | 757 |
| Pre-tax net operating income | $7,402,000 | 618 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,597,000 | 592 |
| Income before extraordinary items | $4,805,000 | 697 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,805,000 | 697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,049 |
| Cash dividends | $3,000,000 | 492 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,805,000 | 664 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,244,000 | 844 |
| Total interest expense | $2,283,000 | 871 |
| Net interest income | $5,961,000 | 825 |
| Provision for loan and lease losses | $210,000 | 1,111 |
| Total noninterest income | $2,066,000 | 704 |
| Gross Fiduciary activities income | $921,000 | 181 |
| Service charges on deposit accounts | $347,000 | 1,236 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $798,000 | 930 |
| Total noninterest expense | $4,022,000 | 1,015 |
| Salaries and employee benefits | $1,881,000 | 1,167 |
| Premises and equipment expense | $532,000 | 1,110 |
| Additional noninterest expense | $1,609,000 | 769 |
| Pre-tax net operating income | $3,795,000 | 595 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,331,000 | 587 |
| Income before extraordinary items | $2,464,000 | 678 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,464,000 | 678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 1,058 |
| Cash dividends | $2,000,000 | 367 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,464,000 | 630 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $33,927,000 | 833 |
| Total interest expense | $9,840,000 | 901 |
| Net interest income | $24,087,000 | 795 |
| Provision for loan and lease losses | $990,000 | 1,199 |
| Total noninterest income | $8,210,000 | 767 |
| Gross Fiduciary activities income | $3,375,000 | 190 |
| Service charges on deposit accounts | $1,529,000 | 1,131 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,306,000 | 1,014 |
| Total noninterest expense | $16,545,000 | 990 |
| Salaries and employee benefits | $7,569,000 | 1,117 |
| Premises and equipment expense | $2,066,000 | 1,104 |
| Additional noninterest expense | $6,910,000 | 749 |
| Pre-tax net operating income | $14,762,000 | 608 |
| Securities gains (losses) | $93,000 | 1,959 |
| Applicable income taxes | $5,106,000 | 605 |
| Income before extraordinary items | $9,749,000 | 667 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,749,000 | 669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $595,000 | 1,396 |
| Cash dividends | $24,000,000 | 203 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $9,687,620 | 629 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $25,799,000 | 842 |
| Total interest expense | $7,555,000 | 920 |
| Net interest income | $18,244,000 | 799 |
| Provision for loan and lease losses | $630,000 | 1,346 |
| Total noninterest income | $6,373,000 | 774 |
| Gross Fiduciary activities income | $2,444,000 | 205 |
| Service charges on deposit accounts | $1,144,000 | 1,134 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,785,000 | 970 |
| Total noninterest expense | $12,633,000 | 978 |
| Salaries and employee benefits | $5,758,000 | 1,105 |
| Premises and equipment expense | $1,546,000 | 1,112 |
| Additional noninterest expense | $5,329,000 | 734 |
| Pre-tax net operating income | $11,354,000 | 610 |
| Securities gains (losses) | $93,000 | 1,820 |
| Applicable income taxes | $3,829,000 | 638 |
| Income before extraordinary items | $7,618,000 | 672 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,618,000 | 673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,633 |
| Cash dividends | $22,000,000 | 182 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,555,690 | 632 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $17,439,000 | 839 |
| Total interest expense | $5,156,000 | 930 |
| Net interest income | $12,283,000 | 793 |
| Provision for loan and lease losses | $420,000 | 1,332 |
| Total noninterest income | $3,984,000 | 797 |
| Gross Fiduciary activities income | $1,594,000 | 208 |
| Service charges on deposit accounts | $744,000 | 1,149 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,646,000 | 1,057 |
| Total noninterest expense | $8,445,000 | 973 |
| Salaries and employee benefits | $3,832,000 | 1,108 |
| Premises and equipment expense | $1,027,000 | 1,116 |
| Additional noninterest expense | $3,586,000 | 732 |
| Pre-tax net operating income | $7,402,000 | 621 |
| Securities gains (losses) | $93,000 | 1,565 |
| Applicable income taxes | $2,476,000 | 654 |
| Income before extraordinary items | $5,019,000 | 678 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,019,000 | 678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,076 |
| Cash dividends | $5,000,000 | 343 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,956,690 | 638 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,860,000 | 831 |
| Total interest expense | $2,615,000 | 937 |
| Net interest income | $6,245,000 | 771 |
| Provision for loan and lease losses | $210,000 | 1,306 |
| Total noninterest income | $1,905,000 | 810 |
| Gross Fiduciary activities income | $797,000 | 213 |
| Service charges on deposit accounts | $352,000 | 1,182 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $756,000 | 1,096 |
| Total noninterest expense | $4,160,000 | 975 |
| Salaries and employee benefits | $1,905,000 | 1,109 |
| Premises and equipment expense | $532,000 | 1,089 |
| Additional noninterest expense | $1,723,000 | 739 |
| Pre-tax net operating income | $3,780,000 | 609 |
| Securities gains (losses) | $93,000 | 1,041 |
| Applicable income taxes | $1,277,000 | 640 |
| Income before extraordinary items | $2,596,000 | 663 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,596,000 | 662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,970 |
| Cash dividends | $3,000,000 | 276 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,533,690 | 627 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $38,572,000 | 781 |
| Total interest expense | $12,713,000 | 888 |
| Net interest income | $25,859,000 | 731 |
| Provision for loan and lease losses | $970,000 | 1,390 |
| Total noninterest income | $7,585,000 | 758 |
| Gross Fiduciary activities income | $3,328,000 | 213 |
| Service charges on deposit accounts | $1,418,000 | 1,137 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,839,000 | 1,030 |
| Total noninterest expense | $16,809,000 | 937 |
| Salaries and employee benefits | $10,187,000 | 791 |
| Premises and equipment expense | $2,511,000 | 865 |
| Additional noninterest expense | $4,111,000 | 1,185 |
| Pre-tax net operating income | $15,665,000 | 563 |
| Securities gains (losses) | $237,000 | 1,059 |
| Applicable income taxes | $5,168,000 | 579 |
| Income before extraordinary items | $10,734,000 | 599 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $10,734,000 | 600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,093,000 | 884 |
| Cash dividends | $12,500,000 | 306 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $10,572,840 | 574 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $40,098,000 | 853 |
| Total interest expense | $18,629,000 | 879 |
| Net interest income | $21,469,000 | 818 |
| Provision for loan and lease losses | $1,050,000 | 1,198 |
| Total noninterest income | $6,196,000 | 837 |
| Gross Fiduciary activities income | $2,807,000 | 238 |
| Service charges on deposit accounts | $1,196,000 | 1,249 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,193,000 | 1,162 |
| Total noninterest expense | $14,703,000 | 1,009 |
| Salaries and employee benefits | $8,439,000 | 875 |
| Premises and equipment expense | $2,246,000 | 927 |
| Additional noninterest expense | $4,018,000 | 1,190 |
| Pre-tax net operating income | $11,912,000 | 657 |
| Securities gains (losses) | $213,000 | 1,143 |
| Applicable income taxes | $3,839,000 | 677 |
| Income before extraordinary items | $8,286,000 | 677 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $8,286,000 | 680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,027,000 | 924 |
| Cash dividends | $8,000,000 | 436 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $8,141,160 | 663 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $41,202,000 | 863 |
| Total interest expense | $21,396,000 | 843 |
| Net interest income | $19,806,000 | 878 |
| Provision for loan and lease losses | $360,000 | 2,489 |
| Total noninterest income | $5,419,000 | 880 |
| Gross Fiduciary activities income | $2,830,000 | 234 |
| Service charges on deposit accounts | $1,110,000 | 1,222 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,479,000 | 1,391 |
| Total noninterest expense | $12,671,000 | 1,101 |
| Salaries and employee benefits | $7,603,000 | 924 |
| Premises and equipment expense | $2,133,000 | 936 |
| Additional noninterest expense | $2,935,000 | 1,523 |
| Pre-tax net operating income | $12,194,000 | 657 |
| Securities gains (losses) | $-6,000 | 8,044 |
| Applicable income taxes | $3,876,000 | 661 |
| Income before extraordinary items | $8,312,000 | 664 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $8,312,000 | 664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,804 |
| Cash dividends | $2,000,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $8,316,080 | 663 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $37,935,000 | 895 |
| Total interest expense | $18,533,000 | 850 |
| Net interest income | $19,402,000 | 902 |
| Provision for loan and lease losses | $360,000 | 2,275 |
| Total noninterest income | $5,422,000 | 885 |
| Gross Fiduciary activities income | $2,494,000 | 293 |
| Service charges on deposit accounts | $1,050,000 | 1,252 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,878,000 | 1,201 |
| Total noninterest expense | $13,270,000 | 1,052 |
| Salaries and employee benefits | $7,752,000 | 883 |
| Premises and equipment expense | $2,146,000 | 939 |
| Additional noninterest expense | $3,372,000 | 1,370 |
| Pre-tax net operating income | $11,194,000 | 748 |
| Securities gains (losses) | $141,000 | 630 |
| Applicable income taxes | $3,604,000 | 762 |
| Income before extraordinary items | $7,731,000 | 756 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,731,000 | 756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 1,080 |
| Cash dividends | $7,000,000 | 521 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $7,635,120 | 745 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $38,001,000 | 884 |
| Total interest expense | $19,088,000 | 837 |
| Net interest income | $18,913,000 | 906 |
| Provision for loan and lease losses | $535,000 | 1,636 |
| Total noninterest income | $5,145,000 | 915 |
| Gross Fiduciary activities income | $2,202,000 | 305 |
| Service charges on deposit accounts | $1,107,000 | 1,141 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,836,000 | 1,226 |
| Total noninterest expense | $14,236,000 | 958 |
| Salaries and employee benefits | $8,283,000 | 800 |
| Premises and equipment expense | $2,281,000 | 857 |
| Additional noninterest expense | $3,672,000 | 1,221 |
| Pre-tax net operating income | $9,287,000 | 844 |
| Securities gains (losses) | $60,000 | 1,611 |
| Applicable income taxes | $3,040,000 | 857 |
| Income before extraordinary items | $6,307,000 | 864 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,307,000 | 864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $562,000 | 1,155 |
| Cash dividends | $6,000,000 | 552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $6,266,800 | 832 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $37,228,000 | 923 |
| Total interest expense | $19,469,000 | 845 |
| Net interest income | $17,759,000 | 999 |
| Provision for loan and lease losses | $20,000 | 7,880 |
| Total noninterest income | $2,697,000 | 1,390 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,158,000 | 1,086 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,539,000 | 1,301 |
| Total noninterest expense | $12,425,000 | 1,077 |
| Salaries and employee benefits | $6,582,000 | 1,010 |
| Premises and equipment expense | $2,306,000 | 869 |
| Additional noninterest expense | $3,537,000 | 1,242 |
| Pre-tax net operating income | $8,011,000 | 1,026 |
| Securities gains (losses) | $38,000 | 1,502 |
| Applicable income taxes | $2,651,000 | 1,036 |
| Income before extraordinary items | $5,398,000 | 1,025 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,398,000 | 1,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 1,951 |
| Cash dividends | $5,000,000 | 618 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,372,540 | 1,002 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $34,950,000 | 1,006 |
| Total interest expense | $17,839,000 | 941 |
| Net interest income | $17,111,000 | 1,056 |
| Provision for loan and lease losses | $375,000 | 2,185 |
| Total noninterest income | $2,582,000 | 1,509 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,207,000 | 1,092 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,375,000 | 1,456 |
| Total noninterest expense | $12,670,000 | 1,153 |
| Salaries and employee benefits | $6,752,000 | 992 |
| Premises and equipment expense | $2,350,000 | 923 |
| Additional noninterest expense | $3,568,000 | 1,495 |
| Pre-tax net operating income | $6,648,000 | 1,115 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $2,169,000 | 1,144 |
| Income before extraordinary items | $4,477,000 | 1,145 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,477,000 | 1,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $670,000 | 1,156 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $-88,000 | 11,347 |
| Net operating income | $4,478,340 | 1,128 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $35,871,000 | 996 |
| Total interest expense | $17,699,000 | 975 |
| Net interest income | $18,172,000 | 1,011 |
| Provision for loan and lease losses | $3,097,000 | 432 |
| Total noninterest income | $4,968,000 | 965 |
| Gross Fiduciary activities income | $1,359,000 | 463 |
| Service charges on deposit accounts | $1,177,000 | 1,131 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,432,000 | 1,005 |
| Total noninterest expense | $17,564,000 | 889 |
| Salaries and employee benefits | $9,275,000 | 759 |
| Premises and equipment expense | $2,601,000 | 846 |
| Additional noninterest expense | $5,688,000 | 1,016 |
| Pre-tax net operating income | $2,479,000 | 2,876 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $652,000 | 3,438 |
| Income before extraordinary items | $1,830,000 | 2,699 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,830,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,479,000 | 499 |
| Cash dividends | $4,085,000 | 740 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 587 |
| Net operating income | $1,827,780 | 2,674 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,358,000 | 2,020 |
| Total interest expense | $6,893,000 | 1,823 |
| Net interest income | $8,465,000 | 2,129 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $8,080,000 | 677 |
| Gross Fiduciary activities income | $463,000 | 758 |
| Service charges on deposit accounts | $414,000 | 3,282 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $7,203,000 | 512 |
| Total noninterest expense | $8,213,000 | 1,777 |
| Salaries and employee benefits | $4,490,000 | 1,496 |
| Premises and equipment expense | $1,356,000 | 1,534 |
| Additional noninterest expense | $2,367,000 | 2,234 |
| Pre-tax net operating income | $8,292,000 | 938 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,723,000 | 944 |
| Income before extraordinary items | $5,569,000 | 930 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,569,000 | 926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,999 |
| Cash dividends | $325,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,569,000 | 935 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,206,000 | 1,822 |
| Total interest expense | $8,925,000 | 1,494 |
| Net interest income | $8,281,000 | 2,173 |
| Provision for loan and lease losses | $2,415,000 | 709 |
| Total noninterest income | $6,500,000 | 814 |
| Gross Fiduciary activities income | $429,000 | 815 |
| Service charges on deposit accounts | $478,000 | 2,926 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $5,593,000 | 622 |
| Total noninterest expense | $7,228,000 | 2,030 |
| Salaries and employee benefits | $3,774,000 | 1,773 |
| Premises and equipment expense | $973,000 | 2,106 |
| Additional noninterest expense | $2,481,000 | 2,249 |
| Pre-tax net operating income | $5,138,000 | 1,365 |
| Securities gains (losses) | $147,000 | 1,997 |
| Applicable income taxes | $1,684,000 | 1,408 |
| Income before extraordinary items | $3,601,000 | 1,417 |
| Extraordinary gains, net | $-220,000 | 13,067 |
| Net income | $3,381,000 | 1,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,649,000 | 815 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,501,040 | 1,364 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,902,000 | 1,870 |
| Total interest expense | $10,679,000 | 1,620 |
| Net interest income | $8,223,000 | 2,209 |
| Provision for loan and lease losses | $3,024,000 | 828 |
| Total noninterest income | $6,460,000 | 813 |
| Gross Fiduciary activities income | $349,000 | 890 |
| Service charges on deposit accounts | $540,000 | 2,553 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $5,571,000 | 636 |
| Total noninterest expense | $11,029,000 | 1,404 |
| Salaries and employee benefits | $5,756,000 | 1,161 |
| Premises and equipment expense | $620,000 | 3,255 |
| Additional noninterest expense | $4,653,000 | 1,416 |
| Pre-tax net operating income | $630,000 | 7,518 |
| Securities gains (losses) | $90,000 | 3,184 |
| Applicable income taxes | $173,000 | 8,114 |
| Income before extraordinary items | $547,000 | 6,946 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $547,000 | 7,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,832,000 | 761 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $478,600 | 7,137 |
* 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.