Home > Marlborough Co-operative Bank > Income and Expense
Marlborough Co-operative Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,363,000 | 5,815 |
| Total interest expense | $2,057,000 | 4,612 |
| Net interest income | $1,306,000 | 6,759 |
| Provision for loan and lease losses | $100,000 | 5,137 |
| Total noninterest income | $255,000 | 5,694 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $87,000 | 5,730 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $168,000 | 4,764 |
| Total noninterest expense | $1,818,000 | 5,726 |
| Salaries and employee benefits | $976,000 | 5,761 |
| Premises and equipment expense | $240,000 | 5,660 |
| Additional noninterest expense | $602,000 | 5,417 |
| Pre-tax net operating income | $-357,000 | 7,161 |
| Securities gains (losses) | $-1,338,000 | 7,976 |
| Applicable income taxes | $-626,000 | 7,932 |
| Income before extraordinary items | $-1,069,000 | 7,541 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,069,000 | 7,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,783 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-212,680 | 7,090 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,272,000 | 5,858 |
| Total interest expense | $1,419,000 | 4,667 |
| Net interest income | $853,000 | 6,832 |
| Provision for loan and lease losses | $40,000 | 5,379 |
| Total noninterest income | $159,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $60,000 | 5,699 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $99,000 | 5,078 |
| Total noninterest expense | $1,164,000 | 5,863 |
| Salaries and employee benefits | $655,000 | 5,794 |
| Premises and equipment expense | $157,000 | 5,743 |
| Additional noninterest expense | $352,000 | 5,761 |
| Pre-tax net operating income | $-192,000 | 7,317 |
| Securities gains (losses) | $50,000 | 1,445 |
| Applicable income taxes | $-82,000 | 7,827 |
| Income before extraordinary items | $-60,000 | 7,174 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-60,000 | 7,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,916 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-92,000 | 7,203 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,121,000 | 5,962 |
| Total interest expense | $714,000 | 4,833 |
| Net interest income | $407,000 | 6,973 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $89,000 | 5,671 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $32,000 | 5,589 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $57,000 | 4,793 |
| Total noninterest expense | $598,000 | 5,821 |
| Salaries and employee benefits | $339,000 | 5,738 |
| Premises and equipment expense | $77,000 | 5,819 |
| Additional noninterest expense | $182,000 | 5,647 |
| Pre-tax net operating income | $-102,000 | 7,569 |
| Securities gains (losses) | $18,000 | 1,652 |
| Applicable income taxes | $-48,000 | 8,022 |
| Income before extraordinary items | $-36,000 | 7,453 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-36,000 | 7,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-47,520 | 7,431 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,465,000 | 5,998 |
| Total interest expense | $2,723,000 | 5,047 |
| Net interest income | $1,742,000 | 6,824 |
| Provision for loan and lease losses | $-12,000 | 8,240 |
| Total noninterest income | $57,000 | 7,967 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $144,000 | 5,494 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-87,000 | 8,497 |
| Total noninterest expense | $2,482,000 | 5,626 |
| Salaries and employee benefits | $1,328,000 | 5,676 |
| Premises and equipment expense | $322,000 | 5,615 |
| Additional noninterest expense | $832,000 | 5,220 |
| Pre-tax net operating income | $-671,000 | 7,911 |
| Securities gains (losses) | $18,000 | 1,138 |
| Applicable income taxes | $-281,000 | 8,199 |
| Income before extraordinary items | $-372,000 | 7,820 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-372,000 | 7,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,249 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-383,520 | 7,807 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,323,000 | 6,048 |
| Total interest expense | $2,029,000 | 5,074 |
| Net interest income | $1,294,000 | 6,885 |
| Provision for loan and lease losses | $-12,000 | 8,308 |
| Total noninterest income | $-46,000 | 8,531 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $106,000 | 5,542 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-152,000 | 8,546 |
| Total noninterest expense | $1,847,000 | 5,617 |
| Salaries and employee benefits | $983,000 | 5,695 |
| Premises and equipment expense | $247,000 | 5,546 |
| Additional noninterest expense | $617,000 | 5,199 |
| Pre-tax net operating income | $-587,000 | 8,128 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-239,000 | 8,343 |
| Income before extraordinary items | $-348,000 | 8,043 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-348,000 | 8,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,768 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-348,000 | 8,026 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,226,000 | 6,061 |
| Total interest expense | $1,355,000 | 5,080 |
| Net interest income | $871,000 | 6,901 |
| Provision for loan and lease losses | $-12,000 | 8,360 |
| Total noninterest income | $-124,000 | 8,601 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $73,000 | 5,514 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-197,000 | 8,612 |
| Total noninterest expense | $1,263,000 | 5,567 |
| Salaries and employee benefits | $651,000 | 5,769 |
| Premises and equipment expense | $168,000 | 5,538 |
| Additional noninterest expense | $444,000 | 4,952 |
| Pre-tax net operating income | $-504,000 | 8,308 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-185,000 | 8,456 |
| Income before extraordinary items | $-319,000 | 8,220 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-319,000 | 8,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,969 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-319,000 | 8,209 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,125,000 | 6,049 |
| Total interest expense | $692,000 | 5,013 |
| Net interest income | $433,000 | 6,940 |
| Provision for loan and lease losses | $-12,000 | 8,436 |
| Total noninterest income | $-202,000 | 8,636 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $34,000 | 5,592 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $-236,000 | 8,645 |
| Total noninterest expense | $662,000 | 5,444 |
| Salaries and employee benefits | $336,000 | 5,720 |
| Premises and equipment expense | $84,000 | 5,553 |
| Additional noninterest expense | $242,000 | 4,643 |
| Pre-tax net operating income | $-419,000 | 8,483 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-135,000 | 8,537 |
| Income before extraordinary items | $-284,000 | 8,422 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-284,000 | 8,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-284,000 | 8,411 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,477,000 | 5,847 |
| Total interest expense | $2,663,000 | 4,646 |
| Net interest income | $1,814,000 | 6,783 |
| Provision for loan and lease losses | $5,000 | 6,719 |
| Total noninterest income | $132,000 | 7,452 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $123,000 | 5,855 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $9,000 | 8,284 |
| Total noninterest expense | $2,264,000 | 5,793 |
| Salaries and employee benefits | $1,265,000 | 5,739 |
| Premises and equipment expense | $285,000 | 5,862 |
| Additional noninterest expense | $714,000 | 5,578 |
| Pre-tax net operating income | $-323,000 | 8,181 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $-195,000 | 8,446 |
| Income before extraordinary items | $-127,000 | 8,099 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-127,000 | 8,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,021 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-127,640 | 8,089 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,324,000 | 5,890 |
| Total interest expense | $1,946,000 | 4,626 |
| Net interest income | $1,378,000 | 6,836 |
| Provision for loan and lease losses | $5,000 | 6,530 |
| Total noninterest income | $176,000 | 6,691 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $28,000 | 7,153 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $148,000 | 5,156 |
| Total noninterest expense | $1,688,000 | 5,796 |
| Salaries and employee benefits | $964,000 | 5,656 |
| Premises and equipment expense | $210,000 | 5,934 |
| Additional noninterest expense | $514,000 | 5,687 |
| Pre-tax net operating income | $-139,000 | 8,262 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-119,000 | 8,579 |
| Income before extraordinary items | $-20,000 | 8,163 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-20,000 | 8,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-20,000 | 8,153 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 5,888 |
| Total interest expense | $1,260,000 | 4,577 |
| Net interest income | $937,000 | 6,826 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $112,000 | 6,788 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $21,000 | 7,132 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 5,325 |
| Total noninterest expense | $1,142,000 | 5,768 |
| Salaries and employee benefits | $659,000 | 5,615 |
| Premises and equipment expense | $133,000 | 6,083 |
| Additional noninterest expense | $350,000 | 5,606 |
| Pre-tax net operating income | $-93,000 | 8,333 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-76,000 | 8,610 |
| Income before extraordinary items | $-17,000 | 8,230 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-17,000 | 8,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-17,000 | 8,216 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 5,826 |
| Total interest expense | $611,000 | 4,532 |
| Net interest income | $496,000 | 6,705 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $57,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $12,000 | 7,044 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,314 |
| Total noninterest expense | $580,000 | 5,727 |
| Salaries and employee benefits | $332,000 | 5,624 |
| Premises and equipment expense | $63,000 | 6,234 |
| Additional noninterest expense | $185,000 | 5,419 |
| Pre-tax net operating income | $-27,000 | 8,307 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-29,000 | 8,600 |
| Income before extraordinary items | $2,000 | 8,178 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 8,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,000 | 8,169 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,971,000 | 5,855 |
| Total interest expense | $1,974,000 | 4,472 |
| Net interest income | $1,997,000 | 6,640 |
| Provision for loan and lease losses | $-125,000 | 8,651 |
| Total noninterest income | $194,000 | 7,116 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $83,000 | 6,540 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $111,000 | 6,239 |
| Total noninterest expense | $2,209,000 | 5,769 |
| Salaries and employee benefits | $1,272,000 | 5,591 |
| Premises and equipment expense | $244,000 | 6,277 |
| Additional noninterest expense | $693,000 | 5,613 |
| Pre-tax net operating income | $107,000 | 7,977 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-34,000 | 8,533 |
| Income before extraordinary items | $141,000 | 7,829 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $141,000 | 7,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 8,507 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $141,000 | 7,791 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,927,000 | 5,874 |
| Total interest expense | $1,415,000 | 4,481 |
| Net interest income | $1,512,000 | 6,657 |
| Provision for loan and lease losses | $-106,000 | 8,707 |
| Total noninterest income | $136,000 | 7,244 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $64,000 | 6,537 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $72,000 | 6,477 |
| Total noninterest expense | $1,684,000 | 5,691 |
| Salaries and employee benefits | $968,000 | 5,521 |
| Premises and equipment expense | $189,000 | 6,172 |
| Additional noninterest expense | $527,000 | 5,551 |
| Pre-tax net operating income | $70,000 | 8,117 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-26,000 | 8,648 |
| Income before extraordinary items | $96,000 | 7,988 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $96,000 | 7,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,839 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $96,000 | 7,958 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,930,000 | 5,847 |
| Total interest expense | $904,000 | 4,438 |
| Net interest income | $1,026,000 | 6,600 |
| Provision for loan and lease losses | $-106,000 | 8,739 |
| Total noninterest income | $88,000 | 7,260 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $41,000 | 6,574 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $47,000 | 6,506 |
| Total noninterest expense | $1,153,000 | 5,600 |
| Salaries and employee benefits | $668,000 | 5,395 |
| Premises and equipment expense | $125,000 | 6,197 |
| Additional noninterest expense | $360,000 | 5,435 |
| Pre-tax net operating income | $67,000 | 8,044 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-5,000 | 8,602 |
| Income before extraordinary items | $72,000 | 7,947 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $72,000 | 7,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,785 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $72,000 | 7,908 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $955,000 | 5,868 |
| Total interest expense | $430,000 | 4,456 |
| Net interest income | $525,000 | 6,585 |
| Provision for loan and lease losses | $-106,000 | 8,835 |
| Total noninterest income | $36,000 | 7,582 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,179 |
| Total noninterest expense | $582,000 | 5,606 |
| Salaries and employee benefits | $339,000 | 5,398 |
| Premises and equipment expense | $63,000 | 6,224 |
| Additional noninterest expense | $180,000 | 5,414 |
| Pre-tax net operating income | $85,000 | 7,424 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $19,000 | 5,699 |
| Income before extraordinary items | $66,000 | 7,497 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $66,000 | 7,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $66,000 | 7,471 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,791,000 | 5,727 |
| Total interest expense | $1,696,000 | 4,152 |
| Net interest income | $2,095,000 | 6,492 |
| Provision for loan and lease losses | $-91,000 | 8,783 |
| Total noninterest income | $199,000 | 7,163 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $88,000 | 6,649 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $111,000 | 6,236 |
| Total noninterest expense | $2,239,000 | 5,644 |
| Salaries and employee benefits | $1,275,000 | 5,507 |
| Premises and equipment expense | $244,000 | 6,252 |
| Additional noninterest expense | $720,000 | 5,425 |
| Pre-tax net operating income | $146,000 | 7,960 |
| Securities gains (losses) | $19,000 | 2,428 |
| Applicable income taxes | $-7,000 | 8,562 |
| Income before extraordinary items | $172,000 | 7,776 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $172,000 | 7,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,038 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $153,000 | 7,822 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 5,726 |
| Total interest expense | $1,271,000 | 4,103 |
| Net interest income | $1,563,000 | 6,521 |
| Provision for loan and lease losses | $-91,000 | 8,865 |
| Total noninterest income | $146,000 | 7,243 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $68,000 | 6,656 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 6,347 |
| Total noninterest expense | $1,678,000 | 5,623 |
| Salaries and employee benefits | $978,000 | 5,392 |
| Premises and equipment expense | $168,000 | 6,459 |
| Additional noninterest expense | $532,000 | 5,452 |
| Pre-tax net operating income | $122,000 | 8,033 |
| Securities gains (losses) | $19,000 | 2,339 |
| Applicable income taxes | $1,000 | 7,130 |
| Income before extraordinary items | $140,000 | 7,843 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $140,000 | 7,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,697 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $121,190 | 7,914 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,892,000 | 5,729 |
| Total interest expense | $857,000 | 4,070 |
| Net interest income | $1,035,000 | 6,573 |
| Provision for loan and lease losses | $-91,000 | 8,954 |
| Total noninterest income | $107,000 | 7,101 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $46,000 | 6,661 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $61,000 | 6,105 |
| Total noninterest expense | $1,163,000 | 5,533 |
| Salaries and employee benefits | $669,000 | 5,343 |
| Premises and equipment expense | $112,000 | 6,506 |
| Additional noninterest expense | $382,000 | 5,225 |
| Pre-tax net operating income | $70,000 | 8,120 |
| Securities gains (losses) | $19,000 | 2,067 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $87,000 | 7,911 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $87,000 | 7,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,683 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $68,380 | 8,030 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $949,000 | 5,734 |
| Total interest expense | $436,000 | 4,066 |
| Net interest income | $513,000 | 6,620 |
| Provision for loan and lease losses | $-91,000 | 9,028 |
| Total noninterest income | $56,000 | 7,006 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $23,000 | 6,604 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $33,000 | 5,928 |
| Total noninterest expense | $582,000 | 5,551 |
| Salaries and employee benefits | $307,000 | 5,675 |
| Premises and equipment expense | $57,000 | 6,454 |
| Additional noninterest expense | $218,000 | 4,763 |
| Pre-tax net operating income | $78,000 | 7,488 |
| Securities gains (losses) | $19,000 | 1,734 |
| Applicable income taxes | $17,000 | 5,912 |
| Income before extraordinary items | $80,000 | 7,219 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $80,000 | 7,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $64,420 | 7,419 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,932,000 | 5,706 |
| Total interest expense | $1,886,000 | 4,202 |
| Net interest income | $2,046,000 | 6,530 |
| Provision for loan and lease losses | $-62,000 | 9,002 |
| Total noninterest income | $201,000 | 7,338 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $84,000 | 6,821 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $117,000 | 6,265 |
| Total noninterest expense | $2,046,000 | 5,926 |
| Salaries and employee benefits | $1,165,000 | 5,742 |
| Premises and equipment expense | $208,000 | 6,681 |
| Additional noninterest expense | $673,000 | 5,620 |
| Pre-tax net operating income | $263,000 | 7,589 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $22,000 | 6,748 |
| Income before extraordinary items | $241,000 | 7,566 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $241,000 | 7,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,862 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $241,000 | 7,433 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,967,000 | 5,747 |
| Total interest expense | $1,439,000 | 4,268 |
| Net interest income | $1,528,000 | 6,581 |
| Provision for loan and lease losses | $-52,000 | 9,103 |
| Total noninterest income | $153,000 | 7,369 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $66,000 | 6,811 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 6,329 |
| Total noninterest expense | $1,486,000 | 6,005 |
| Salaries and employee benefits | $836,000 | 5,861 |
| Premises and equipment expense | $153,000 | 6,741 |
| Additional noninterest expense | $497,000 | 5,660 |
| Pre-tax net operating income | $247,000 | 7,461 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $38,000 | 6,421 |
| Income before extraordinary items | $209,000 | 7,540 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $209,000 | 7,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,842 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $209,000 | 7,383 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,017,000 | 5,715 |
| Total interest expense | $971,000 | 4,336 |
| Net interest income | $1,046,000 | 6,500 |
| Provision for loan and lease losses | $-25,000 | 9,127 |
| Total noninterest income | $103,000 | 7,341 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $46,000 | 6,735 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $57,000 | 6,331 |
| Total noninterest expense | $1,001,000 | 5,977 |
| Salaries and employee benefits | $560,000 | 5,842 |
| Premises and equipment expense | $100,000 | 6,763 |
| Additional noninterest expense | $341,000 | 5,557 |
| Pre-tax net operating income | $173,000 | 7,436 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $30,000 | 6,338 |
| Income before extraordinary items | $143,000 | 7,514 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $143,000 | 7,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $143,000 | 7,329 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,022,000 | 5,699 |
| Total interest expense | $496,000 | 4,363 |
| Net interest income | $526,000 | 6,489 |
| Provision for loan and lease losses | $-25,000 | 9,210 |
| Total noninterest income | $49,000 | 7,390 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $25,000 | 6,569 |
| Total noninterest expense | $487,000 | 6,087 |
| Salaries and employee benefits | $258,000 | 6,145 |
| Premises and equipment expense | $50,000 | 6,781 |
| Additional noninterest expense | $179,000 | 5,369 |
| Pre-tax net operating income | $113,000 | 6,997 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $14,000 | 6,371 |
| Income before extraordinary items | $99,000 | 6,918 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 6,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $99,000 | 6,755 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,452,000 | 5,569 |
| Total interest expense | $2,198,000 | 4,513 |
| Net interest income | $2,254,000 | 6,237 |
| Provision for loan and lease losses | $-529,000 | 9,333 |
| Total noninterest income | $192,000 | 7,398 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $96,000 | 6,642 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $96,000 | 6,527 |
| Total noninterest expense | $1,948,000 | 5,962 |
| Salaries and employee benefits | $1,096,000 | 5,823 |
| Premises and equipment expense | $270,000 | 5,893 |
| Additional noninterest expense | $582,000 | 6,045 |
| Pre-tax net operating income | $1,027,000 | 5,143 |
| Securities gains (losses) | $-6,000 | 8,842 |
| Applicable income taxes | $354,000 | 4,131 |
| Income before extraordinary items | $667,000 | 5,674 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $667,000 | 5,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-474,000 | 9,336 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $670,900 | 5,520 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,956,000 | 5,644 |
| Total interest expense | $2,934,000 | 4,814 |
| Net interest income | $2,022,000 | 6,400 |
| Provision for loan and lease losses | $-109,000 | 9,530 |
| Total noninterest income | $121,000 | 8,222 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $67,000 | 7,236 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $54,000 | 7,574 |
| Total noninterest expense | $1,907,000 | 5,919 |
| Salaries and employee benefits | $1,045,000 | 5,838 |
| Premises and equipment expense | $276,000 | 5,792 |
| Additional noninterest expense | $586,000 | 5,924 |
| Pre-tax net operating income | $345,000 | 7,208 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $87,000 | 6,165 |
| Income before extraordinary items | $262,000 | 7,360 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $262,000 | 7,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 9,469 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $259,000 | 7,264 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,132,000 | 5,646 |
| Total interest expense | $3,080,000 | 4,825 |
| Net interest income | $2,052,000 | 6,492 |
| Provision for loan and lease losses | $-129,000 | 9,818 |
| Total noninterest income | $146,000 | 7,952 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 7,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 6,759 |
| Total noninterest expense | $1,925,000 | 5,812 |
| Salaries and employee benefits | $1,042,000 | 5,759 |
| Premises and equipment expense | $309,000 | 5,341 |
| Additional noninterest expense | $574,000 | 5,942 |
| Pre-tax net operating income | $402,000 | 7,460 |
| Securities gains (losses) | $-41,000 | 9,106 |
| Applicable income taxes | $91,000 | 6,628 |
| Income before extraordinary items | $270,000 | 7,650 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $270,000 | 7,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 9,642 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $300,750 | 7,477 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 5,615 |
| Total interest expense | $2,905,000 | 4,715 |
| Net interest income | $2,046,000 | 6,558 |
| Provision for loan and lease losses | $-200,000 | 10,144 |
| Total noninterest income | $96,000 | 8,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 7,754 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,297 |
| Total noninterest expense | $1,811,000 | 6,065 |
| Salaries and employee benefits | $1,016,000 | 5,820 |
| Premises and equipment expense | $253,000 | 5,997 |
| Additional noninterest expense | $542,000 | 6,205 |
| Pre-tax net operating income | $531,000 | 6,993 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $213,000 | 5,568 |
| Income before extraordinary items | $318,000 | 7,485 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $318,000 | 7,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 9,769 |
| Cash dividends | $140,000 | 5,736 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 786 |
| Net operating income | $318,000 | 7,459 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,108,000 | 5,606 |
| Total interest expense | $2,925,000 | 4,831 |
| Net interest income | $2,183,000 | 6,324 |
| Provision for loan and lease losses | $-220,000 | 10,383 |
| Total noninterest income | $65,000 | 9,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 8,015 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,789 |
| Total noninterest expense | $1,956,000 | 5,679 |
| Salaries and employee benefits | $1,079,000 | 5,477 |
| Premises and equipment expense | $255,000 | 5,896 |
| Additional noninterest expense | $622,000 | 5,615 |
| Pre-tax net operating income | $512,000 | 7,301 |
| Securities gains (losses) | $51,000 | 1,715 |
| Applicable income taxes | $234,000 | 5,789 |
| Income before extraordinary items | $329,000 | 7,654 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $329,000 | 7,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-118,000 | 10,282 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $296,360 | 7,837 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,833,000 | 5,934 |
| Total interest expense | $2,595,000 | 5,273 |
| Net interest income | $2,238,000 | 6,460 |
| Provision for loan and lease losses | $-125,000 | 10,796 |
| Total noninterest income | $61,000 | 10,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $1,697,000 | 6,301 |
| Salaries and employee benefits | $953,000 | 6,039 |
| Premises and equipment expense | $238,000 | 6,238 |
| Additional noninterest expense | $506,000 | 6,456 |
| Pre-tax net operating income | $727,000 | 6,869 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-597,000 | 10,868 |
| Income before extraordinary items | $1,324,000 | 3,743 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,324,000 | 3,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 10,666 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,324,000 | 3,670 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,466,000 | 6,441 |
| Total interest expense | $2,330,000 | 5,790 |
| Net interest income | $2,136,000 | 6,885 |
| Provision for loan and lease losses | $-248,000 | 11,358 |
| Total noninterest income | $66,000 | 10,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 8,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $1,597,000 | 6,851 |
| Salaries and employee benefits | $960,000 | 6,174 |
| Premises and equipment expense | $154,000 | 7,965 |
| Additional noninterest expense | $483,000 | 7,192 |
| Pre-tax net operating income | $853,000 | 6,283 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $347,000 | 5,357 |
| Income before extraordinary items | $507,000 | 6,854 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $507,000 | 6,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 10,866 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $506,360 | 6,801 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,198,000 | 6,802 |
| Total interest expense | $2,190,000 | 6,103 |
| Net interest income | $2,008,000 | 7,289 |
| Provision for loan and lease losses | $-300,000 | 11,857 |
| Total noninterest income | $125,000 | 9,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,448 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,878 |
| Total noninterest expense | $1,596,000 | 6,989 |
| Salaries and employee benefits | $837,000 | 6,914 |
| Premises and equipment expense | $124,000 | 8,943 |
| Additional noninterest expense | $635,000 | 6,299 |
| Pre-tax net operating income | $837,000 | 6,695 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $376,000 | 5,161 |
| Income before extraordinary items | $461,000 | 7,550 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $461,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,247 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $461,000 | 7,522 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,868,000 | 6,866 |
| Total interest expense | $1,805,000 | 6,060 |
| Net interest income | $2,063,000 | 7,421 |
| Provision for loan and lease losses | $-109,000 | 12,195 |
| Total noninterest income | $214,000 | 8,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,718 |
| Total noninterest expense | $1,728,000 | 6,909 |
| Salaries and employee benefits | $767,000 | 7,406 |
| Premises and equipment expense | $114,000 | 9,573 |
| Additional noninterest expense | $848,000 | 5,436 |
| Pre-tax net operating income | $657,000 | 7,663 |
| Securities gains (losses) | $-58,000 | 11,156 |
| Applicable income taxes | $40,000 | 10,689 |
| Income before extraordinary items | $559,000 | 6,841 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $559,000 | 6,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,547 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $612,940 | 6,503 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,364,000 | 6,454 |
| Total interest expense | $2,025,000 | 5,774 |
| Net interest income | $2,339,000 | 6,845 |
| Provision for loan and lease losses | $164,000 | 4,432 |
| Total noninterest income | $137,000 | 10,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,923 |
| Total noninterest expense | $2,001,000 | 6,337 |
| Salaries and employee benefits | $751,000 | 7,635 |
| Premises and equipment expense | $95,000 | 10,609 |
| Additional noninterest expense | $1,155,000 | 4,335 |
| Pre-tax net operating income | $311,000 | 10,148 |
| Securities gains (losses) | $117,000 | 2,285 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $427,000 | 8,162 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $427,000 | 8,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 2,658 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $310,000 | 9,103 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,151,000 | 6,243 |
| Total interest expense | $2,847,000 | 5,392 |
| Net interest income | $2,304,000 | 6,999 |
| Provision for loan and lease losses | $421,000 | 3,338 |
| Total noninterest income | $205,000 | 9,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 10,547 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 6,391 |
| Total noninterest expense | $2,265,000 | 5,771 |
| Salaries and employee benefits | $748,000 | 7,624 |
| Premises and equipment expense | $77,000 | 11,610 |
| Additional noninterest expense | $1,440,000 | 3,719 |
| Pre-tax net operating income | $-177,000 | 13,052 |
| Securities gains (losses) | $34,000 | 4,785 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-143,000 | 13,114 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-143,000 | 13,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 2,543 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-177,000 | 13,025 |
* 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.