MainBank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,511,000 | 3,248 |
| Total interest expense | $1,396,000 | 4,373 |
| Net interest income | $5,115,000 | 2,836 |
| Provision for loan and lease losses | $600,000 | 1,404 |
| Total noninterest income | $1,376,000 | 2,511 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,085,000 | 620 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-709,000 | 9,241 |
| Total noninterest expense | $5,745,000 | 2,065 |
| Salaries and employee benefits | $2,771,000 | 2,296 |
| Premises and equipment expense | $1,008,000 | 1,696 |
| Additional noninterest expense | $1,966,000 | 1,836 |
| Pre-tax net operating income | $146,000 | 7,996 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $13,000 | 6,978 |
| Income before extraordinary items | $133,000 | 8,024 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $133,000 | 8,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,023,000 | 323 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $133,000 | 7,884 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,516,000 | 3,158 |
| Total interest expense | $1,057,000 | 4,071 |
| Net interest income | $3,459,000 | 2,790 |
| Provision for loan and lease losses | $600,000 | 971 |
| Total noninterest income | $1,362,000 | 1,850 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,379,000 | 618 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-17,000 | 9,230 |
| Total noninterest expense | $3,874,000 | 2,034 |
| Salaries and employee benefits | $1,890,000 | 2,238 |
| Premises and equipment expense | $655,000 | 1,737 |
| Additional noninterest expense | $1,329,000 | 1,811 |
| Pre-tax net operating income | $347,000 | 6,192 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $93,000 | 5,224 |
| Income before extraordinary items | $254,000 | 6,487 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $254,000 | 6,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,185,000 | 309 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $254,000 | 6,282 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 3,069 |
| Total interest expense | $559,000 | 3,988 |
| Net interest income | $1,798,000 | 2,684 |
| Provision for loan and lease losses | $600,000 | 538 |
| Total noninterest income | $720,000 | 1,735 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $671,000 | 620 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $49,000 | 5,306 |
| Total noninterest expense | $2,062,000 | 1,902 |
| Salaries and employee benefits | $987,000 | 2,140 |
| Premises and equipment expense | $328,000 | 1,741 |
| Additional noninterest expense | $747,000 | 1,579 |
| Pre-tax net operating income | $-144,000 | 9,025 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-62,000 | 9,193 |
| Income before extraordinary items | $-82,000 | 9,009 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-82,000 | 9,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,818,000 | 232 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-82,000 | 8,931 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,264,000 | 2,706 |
| Total interest expense | $3,165,000 | 3,393 |
| Net interest income | $8,099,000 | 2,371 |
| Provision for loan and lease losses | $1,129,000 | 1,212 |
| Total noninterest income | $3,139,000 | 1,513 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,955,000 | 547 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $184,000 | 5,193 |
| Total noninterest expense | $10,207,000 | 1,511 |
| Salaries and employee benefits | $4,305,000 | 1,872 |
| Premises and equipment expense | $1,515,000 | 1,461 |
| Additional noninterest expense | $4,387,000 | 1,130 |
| Pre-tax net operating income | $-98,000 | 8,760 |
| Securities gains (losses) | $14,000 | 3,404 |
| Applicable income taxes | $-84,000 | 9,045 |
| Income before extraordinary items | $0 | 8,725 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $0 | 8,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $924,000 | 1,042 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-8,960 | 8,665 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,520,000 | 2,208 |
| Total interest expense | $5,065,000 | 3,120 |
| Net interest income | $10,455,000 | 1,714 |
| Provision for loan and lease losses | $3,167,000 | 499 |
| Total noninterest income | $2,860,000 | 1,533 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,982,000 | 502 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $-122,000 | 9,613 |
| Total noninterest expense | $9,226,000 | 1,584 |
| Salaries and employee benefits | $4,498,000 | 1,678 |
| Premises and equipment expense | $1,535,000 | 1,390 |
| Additional noninterest expense | $3,193,000 | 1,456 |
| Pre-tax net operating income | $922,000 | 5,110 |
| Securities gains (losses) | $100,000 | 1,742 |
| Applicable income taxes | $103,000 | 5,970 |
| Income before extraordinary items | $918,000 | 4,511 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $918,000 | 4,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,081,000 | 555 |
| Cash dividends | $75,000 | 5,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $828,000 | 4,667 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,484,000 | 2,270 |
| Total interest expense | $5,196,000 | 3,194 |
| Net interest income | $10,288,000 | 1,712 |
| Provision for loan and lease losses | $838,000 | 1,231 |
| Total noninterest income | $3,230,000 | 1,265 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,495,000 | 533 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $735,000 | 2,275 |
| Total noninterest expense | $8,472,000 | 1,646 |
| Salaries and employee benefits | $4,171,000 | 1,722 |
| Premises and equipment expense | $1,593,000 | 1,283 |
| Additional noninterest expense | $2,708,000 | 1,640 |
| Pre-tax net operating income | $4,208,000 | 1,743 |
| Securities gains (losses) | $-350,000 | 9,662 |
| Applicable income taxes | $1,355,000 | 1,643 |
| Income before extraordinary items | $2,503,000 | 2,081 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,503,000 | 2,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 1,105 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,730,500 | 1,906 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,831,000 | 2,365 |
| Total interest expense | $4,744,000 | 3,074 |
| Net interest income | $9,087,000 | 1,946 |
| Provision for loan and lease losses | $382,000 | 2,184 |
| Total noninterest income | $2,980,000 | 1,360 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,608,000 | 520 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $372,000 | 3,573 |
| Total noninterest expense | $7,748,000 | 1,779 |
| Salaries and employee benefits | $3,603,000 | 1,951 |
| Premises and equipment expense | $1,523,000 | 1,333 |
| Additional noninterest expense | $2,622,000 | 1,701 |
| Pre-tax net operating income | $3,937,000 | 1,867 |
| Securities gains (losses) | $18,000 | 1,449 |
| Applicable income taxes | $1,400,000 | 1,686 |
| Income before extraordinary items | $2,555,000 | 2,062 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,555,000 | 2,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,677 |
| Cash dividends | $50,000 | 6,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,543,300 | 2,039 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,184,000 | 2,676 |
| Total interest expense | $4,706,000 | 3,171 |
| Net interest income | $7,478,000 | 2,284 |
| Provision for loan and lease losses | $15,000 | 7,946 |
| Total noninterest income | $1,936,000 | 1,885 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,750,000 | 701 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $186,000 | 5,150 |
| Total noninterest expense | $6,527,000 | 2,007 |
| Salaries and employee benefits | $2,984,000 | 2,260 |
| Premises and equipment expense | $1,390,000 | 1,404 |
| Additional noninterest expense | $2,153,000 | 1,967 |
| Pre-tax net operating income | $2,872,000 | 2,483 |
| Securities gains (losses) | $436,000 | 606 |
| Applicable income taxes | $1,106,000 | 2,127 |
| Income before extraordinary items | $2,202,000 | 2,345 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,202,000 | 2,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,179 |
| Cash dividends | $360,000 | 4,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,909,880 | 2,587 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,840,000 | 6,807 |
| Total interest expense | $1,608,000 | 7,104 |
| Net interest income | $2,232,000 | 6,470 |
| Provision for loan and lease losses | $125,000 | 4,524 |
| Total noninterest income | $475,000 | 5,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 3,822 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 5,702 |
| Total noninterest expense | $1,767,000 | 6,145 |
| Salaries and employee benefits | $765,000 | 6,951 |
| Premises and equipment expense | $240,000 | 6,210 |
| Additional noninterest expense | $762,000 | 4,907 |
| Pre-tax net operating income | $815,000 | 6,481 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $176,000 | 7,233 |
| Income before extraordinary items | $639,000 | 6,164 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $639,000 | 6,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,318 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $639,000 | 6,119 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,406,000 | 7,501 |
| Total interest expense | $1,433,000 | 7,752 |
| Net interest income | $1,973,000 | 7,204 |
| Provision for loan and lease losses | $125,000 | 4,497 |
| Total noninterest income | $354,000 | 6,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,279 |
| Total noninterest expense | $1,500,000 | 7,110 |
| Salaries and employee benefits | $724,000 | 7,376 |
| Premises and equipment expense | $220,000 | 6,686 |
| Additional noninterest expense | $556,000 | 6,641 |
| Pre-tax net operating income | $702,000 | 6,922 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $217,000 | 6,883 |
| Income before extraordinary items | $485,000 | 7,010 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $485,000 | 7,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,612 |
| Cash dividends | $120,000 | 6,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $485,000 | 6,944 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,118,000 | 8,047 |
| Total interest expense | $1,320,000 | 8,217 |
| Net interest income | $1,798,000 | 7,774 |
| Provision for loan and lease losses | $375,000 | 1,953 |
| Total noninterest income | $314,000 | 6,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $257,000 | 4,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,889 |
| Total noninterest expense | $1,410,000 | 7,557 |
| Salaries and employee benefits | $655,000 | 8,024 |
| Premises and equipment expense | $226,000 | 6,736 |
| Additional noninterest expense | $529,000 | 7,043 |
| Pre-tax net operating income | $327,000 | 9,559 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $39,000 | 10,400 |
| Income before extraordinary items | $288,000 | 9,058 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $288,000 | 9,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $534,000 | 1,325 |
| Cash dividends | $80,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $288,000 | 9,025 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,569,000 | 8,790 |
| Total interest expense | $905,000 | 9,112 |
| Net interest income | $1,664,000 | 8,406 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $296,000 | 7,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,251 |
| Total noninterest expense | $1,344,000 | 8,103 |
| Salaries and employee benefits | $602,000 | 8,600 |
| Premises and equipment expense | $229,000 | 6,885 |
| Additional noninterest expense | $513,000 | 7,729 |
| Pre-tax net operating income | $456,000 | 8,952 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $142,000 | 8,466 |
| Income before extraordinary items | $314,000 | 8,991 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $314,000 | 8,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,073 |
| Cash dividends | $30,000 | 8,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $314,000 | 9,056 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,217,000 | 9,750 |
| Total interest expense | $762,000 | 10,245 |
| Net interest income | $1,455,000 | 9,254 |
| Provision for loan and lease losses | $21,000 | 8,998 |
| Total noninterest income | $266,000 | 8,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 8,052 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 6,477 |
| Total noninterest expense | $1,239,000 | 8,734 |
| Salaries and employee benefits | $529,000 | 9,389 |
| Premises and equipment expense | $216,000 | 7,372 |
| Additional noninterest expense | $494,000 | 8,274 |
| Pre-tax net operating income | $461,000 | 8,936 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $156,000 | 8,496 |
| Income before extraordinary items | $305,000 | 9,424 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $305,000 | 9,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $305,000 | 9,168 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,068,000 | 10,764 |
| Total interest expense | $893,000 | 10,903 |
| Net interest income | $1,175,000 | 10,411 |
| Provision for loan and lease losses | $23,000 | 10,448 |
| Total noninterest income | $244,000 | 8,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 8,464 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,834 |
| Total noninterest expense | $1,105,000 | 9,489 |
| Salaries and employee benefits | $443,000 | 10,380 |
| Premises and equipment expense | $207,000 | 7,676 |
| Additional noninterest expense | $455,000 | 8,919 |
| Pre-tax net operating income | $291,000 | 10,226 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $105,000 | 9,775 |
| Income before extraordinary items | $186,000 | 10,792 |
| Extraordinary gains, net | $10,000 | 1,339 |
| Net income | $196,000 | 10,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 12,871 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $186,000 | 10,453 |
* 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.