Home > Marshall National Bank and Trust Company > Income and Expense
Marshall National Bank and Trust Company, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,084,000 | 3,257 |
| Total interest expense | $2,676,000 | 3,273 |
| Net interest income | $3,408,000 | 3,198 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $479,000 | 3,642 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $264,000 | 2,914 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $215,000 | 3,645 |
| Total noninterest expense | $2,813,000 | 3,121 |
| Salaries and employee benefits | $1,587,000 | 3,094 |
| Premises and equipment expense | $238,000 | 4,518 |
| Additional noninterest expense | $988,000 | 2,657 |
| Pre-tax net operating income | $1,074,000 | 3,365 |
| Securities gains (losses) | $7,000 | 933 |
| Applicable income taxes | $374,000 | 2,459 |
| Income before extraordinary items | $707,000 | 3,796 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $707,000 | 3,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,675 |
| Cash dividends | $99,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $702,450 | 3,799 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,979,000 | 3,303 |
| Total interest expense | $1,312,000 | 3,298 |
| Net interest income | $1,667,000 | 3,254 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $222,000 | 3,806 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $122,000 | 3,030 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $100,000 | 3,771 |
| Total noninterest expense | $1,635,000 | 2,762 |
| Salaries and employee benefits | $978,000 | 2,589 |
| Premises and equipment expense | $128,000 | 4,318 |
| Additional noninterest expense | $529,000 | 2,485 |
| Pre-tax net operating income | $254,000 | 5,014 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $91,000 | 3,400 |
| Income before extraordinary items | $163,000 | 5,483 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $163,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $99,000 | 3,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $163,000 | 5,467 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,100,000 | 3,294 |
| Total interest expense | $3,932,000 | 3,639 |
| Net interest income | $7,168,000 | 3,043 |
| Provision for loan and lease losses | $-319,000 | 8,574 |
| Total noninterest income | $1,509,000 | 2,689 |
| Gross Fiduciary activities income | $584,000 | 550 |
| Service charges on deposit accounts | $405,000 | 3,515 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $520,000 | 3,266 |
| Total noninterest expense | $5,657,000 | 3,015 |
| Salaries and employee benefits | $2,485,000 | 3,625 |
| Premises and equipment expense | $455,000 | 4,531 |
| Additional noninterest expense | $2,717,000 | 1,939 |
| Pre-tax net operating income | $3,339,000 | 2,579 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,115,000 | 2,051 |
| Income before extraordinary items | $2,224,000 | 2,869 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,224,000 | 2,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 1,927 |
| Cash dividends | $506,000 | 3,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,224,000 | 2,856 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,081,000 | 3,347 |
| Total interest expense | $2,684,000 | 3,787 |
| Net interest income | $5,397,000 | 3,062 |
| Provision for loan and lease losses | $-180,000 | 8,615 |
| Total noninterest income | $1,279,000 | 2,492 |
| Gross Fiduciary activities income | $584,000 | 471 |
| Service charges on deposit accounts | $296,000 | 3,596 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $399,000 | 3,225 |
| Total noninterest expense | $4,312,000 | 2,970 |
| Salaries and employee benefits | $1,872,000 | 3,618 |
| Premises and equipment expense | $344,000 | 4,513 |
| Additional noninterest expense | $2,096,000 | 1,859 |
| Pre-tax net operating income | $2,544,000 | 2,616 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $855,000 | 2,097 |
| Income before extraordinary items | $1,689,000 | 2,934 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,689,000 | 2,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,572 |
| Cash dividends | $388,000 | 3,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,689,000 | 2,924 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,226,000 | 3,385 |
| Total interest expense | $1,594,000 | 3,957 |
| Net interest income | $3,632,000 | 3,045 |
| Provision for loan and lease losses | $-180,000 | 8,660 |
| Total noninterest income | $873,000 | 2,448 |
| Gross Fiduciary activities income | $399,000 | 473 |
| Service charges on deposit accounts | $190,000 | 3,664 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $284,000 | 3,116 |
| Total noninterest expense | $2,866,000 | 3,000 |
| Salaries and employee benefits | $1,240,000 | 3,650 |
| Premises and equipment expense | $226,000 | 4,557 |
| Additional noninterest expense | $1,400,000 | 1,865 |
| Pre-tax net operating income | $1,819,000 | 2,494 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $612,000 | 2,029 |
| Income before extraordinary items | $1,207,000 | 2,783 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,207,000 | 2,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $264,000 | 3,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,207,000 | 2,771 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,522,000 | 3,420 |
| Total interest expense | $733,000 | 4,058 |
| Net interest income | $1,789,000 | 3,077 |
| Provision for loan and lease losses | $-34,000 | 8,598 |
| Total noninterest income | $410,000 | 2,511 |
| Gross Fiduciary activities income | $195,000 | 480 |
| Service charges on deposit accounts | $91,000 | 3,680 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $124,000 | 3,323 |
| Total noninterest expense | $1,424,000 | 3,015 |
| Salaries and employee benefits | $651,000 | 3,537 |
| Premises and equipment expense | $91,000 | 5,241 |
| Additional noninterest expense | $682,000 | 1,917 |
| Pre-tax net operating income | $809,000 | 2,685 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $270,000 | 2,149 |
| Income before extraordinary items | $539,000 | 2,982 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $539,000 | 2,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $125,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $539,000 | 2,963 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,179,000 | 3,369 |
| Total interest expense | $1,871,000 | 4,633 |
| Net interest income | $7,308,000 | 2,937 |
| Provision for loan and lease losses | $100,000 | 4,800 |
| Total noninterest income | $1,109,000 | 3,311 |
| Gross Fiduciary activities income | $288,000 | 724 |
| Service charges on deposit accounts | $391,000 | 3,605 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $430,000 | 3,654 |
| Total noninterest expense | $4,792,000 | 3,353 |
| Salaries and employee benefits | $2,615,000 | 3,352 |
| Premises and equipment expense | $330,000 | 5,470 |
| Additional noninterest expense | $1,847,000 | 2,695 |
| Pre-tax net operating income | $3,525,000 | 2,440 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,178,000 | 2,036 |
| Income before extraordinary items | $2,347,000 | 2,724 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,347,000 | 2,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,746 |
| Cash dividends | $1,150,000 | 2,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,347,000 | 2,687 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,654,000 | 3,411 |
| Total interest expense | $1,264,000 | 4,797 |
| Net interest income | $5,390,000 | 2,966 |
| Provision for loan and lease losses | $50,000 | 5,172 |
| Total noninterest income | $782,000 | 3,461 |
| Gross Fiduciary activities income | $169,000 | 762 |
| Service charges on deposit accounts | $290,000 | 3,639 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $323,000 | 3,673 |
| Total noninterest expense | $3,498,000 | 3,402 |
| Salaries and employee benefits | $1,977,000 | 3,307 |
| Premises and equipment expense | $246,000 | 5,485 |
| Additional noninterest expense | $1,275,000 | 2,877 |
| Pre-tax net operating income | $2,624,000 | 2,476 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $884,000 | 2,053 |
| Income before extraordinary items | $1,740,000 | 2,761 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,740,000 | 2,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $1,150,000 | 1,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,740,000 | 2,734 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,226,000 | 3,470 |
| Total interest expense | $735,000 | 5,004 |
| Net interest income | $3,491,000 | 3,005 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $483,000 | 3,610 |
| Gross Fiduciary activities income | $102,000 | 795 |
| Service charges on deposit accounts | $188,000 | 3,641 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $193,000 | 3,817 |
| Total noninterest expense | $2,259,000 | 3,462 |
| Salaries and employee benefits | $1,293,000 | 3,349 |
| Premises and equipment expense | $163,000 | 5,467 |
| Additional noninterest expense | $803,000 | 3,015 |
| Pre-tax net operating income | $1,715,000 | 2,458 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $577,000 | 2,064 |
| Income before extraordinary items | $1,138,000 | 2,781 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,138,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,656 |
| Cash dividends | $767,000 | 1,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,138,000 | 2,736 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,008,000 | 3,579 |
| Total interest expense | $345,000 | 5,094 |
| Net interest income | $1,663,000 | 3,109 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $208,000 | 3,873 |
| Gross Fiduciary activities income | $38,000 | 866 |
| Service charges on deposit accounts | $94,000 | 3,574 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $76,000 | 4,289 |
| Total noninterest expense | $1,103,000 | 3,558 |
| Salaries and employee benefits | $643,000 | 3,353 |
| Premises and equipment expense | $87,000 | 5,339 |
| Additional noninterest expense | $373,000 | 3,201 |
| Pre-tax net operating income | $768,000 | 2,657 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $257,000 | 2,226 |
| Income before extraordinary items | $511,000 | 3,001 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $511,000 | 3,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $355,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $511,000 | 2,960 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,502,000 | 3,591 |
| Total interest expense | $1,258,000 | 4,983 |
| Net interest income | $6,244,000 | 3,192 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $925,000 | 3,729 |
| Gross Fiduciary activities income | $275,000 | 714 |
| Service charges on deposit accounts | $437,000 | 3,444 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $213,000 | 4,982 |
| Total noninterest expense | $4,222,000 | 3,581 |
| Salaries and employee benefits | $2,405,000 | 3,451 |
| Premises and equipment expense | $350,000 | 5,212 |
| Additional noninterest expense | $1,467,000 | 3,184 |
| Pre-tax net operating income | $2,947,000 | 2,633 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $976,000 | 2,199 |
| Income before extraordinary items | $1,971,000 | 2,955 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,971,000 | 2,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,571 |
| Cash dividends | $1,460,000 | 1,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,971,000 | 2,896 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,524,000 | 3,628 |
| Total interest expense | $931,000 | 4,987 |
| Net interest income | $4,593,000 | 3,238 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $708,000 | 3,705 |
| Gross Fiduciary activities income | $211,000 | 710 |
| Service charges on deposit accounts | $336,000 | 3,411 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $161,000 | 4,960 |
| Total noninterest expense | $3,147,000 | 3,564 |
| Salaries and employee benefits | $1,779,000 | 3,468 |
| Premises and equipment expense | $273,000 | 5,062 |
| Additional noninterest expense | $1,095,000 | 3,164 |
| Pre-tax net operating income | $2,154,000 | 2,706 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $717,000 | 2,271 |
| Income before extraordinary items | $1,437,000 | 3,063 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,437,000 | 3,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,455 |
| Cash dividends | $1,112,000 | 1,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,437,000 | 2,992 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,607,000 | 3,688 |
| Total interest expense | $616,000 | 5,031 |
| Net interest income | $2,991,000 | 3,281 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $482,000 | 3,655 |
| Gross Fiduciary activities income | $129,000 | 736 |
| Service charges on deposit accounts | $228,000 | 3,344 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $125,000 | 4,692 |
| Total noninterest expense | $2,114,000 | 3,581 |
| Salaries and employee benefits | $1,203,000 | 3,435 |
| Premises and equipment expense | $203,000 | 4,713 |
| Additional noninterest expense | $708,000 | 3,273 |
| Pre-tax net operating income | $1,359,000 | 2,791 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $449,000 | 2,370 |
| Income before extraordinary items | $910,000 | 3,182 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $910,000 | 3,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,447 |
| Cash dividends | $753,000 | 1,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $910,000 | 3,090 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,711,000 | 3,853 |
| Total interest expense | $302,000 | 5,143 |
| Net interest income | $1,409,000 | 3,426 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $240,000 | 3,622 |
| Gross Fiduciary activities income | $60,000 | 762 |
| Service charges on deposit accounts | $110,000 | 3,351 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $70,000 | 4,441 |
| Total noninterest expense | $1,042,000 | 3,639 |
| Salaries and employee benefits | $582,000 | 3,569 |
| Premises and equipment expense | $109,000 | 4,538 |
| Additional noninterest expense | $351,000 | 3,280 |
| Pre-tax net operating income | $607,000 | 3,055 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $182,000 | 2,728 |
| Income before extraordinary items | $425,000 | 3,342 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $425,000 | 3,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,521 |
| Cash dividends | $263,000 | 1,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $425,000 | 3,228 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,792,000 | 3,916 |
| Total interest expense | $1,369,000 | 5,163 |
| Net interest income | $5,423,000 | 3,472 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $1,105,000 | 3,498 |
| Gross Fiduciary activities income | $259,000 | 748 |
| Service charges on deposit accounts | $387,000 | 3,722 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $459,000 | 3,726 |
| Total noninterest expense | $3,731,000 | 3,904 |
| Salaries and employee benefits | $2,117,000 | 3,748 |
| Premises and equipment expense | $430,000 | 4,505 |
| Additional noninterest expense | $1,184,000 | 3,769 |
| Pre-tax net operating income | $2,767,000 | 2,673 |
| Securities gains (losses) | $23,000 | 3,134 |
| Applicable income taxes | $898,000 | 2,328 |
| Income before extraordinary items | $1,892,000 | 2,993 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,892,000 | 2,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,313 |
| Cash dividends | $1,344,000 | 1,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,876,360 | 2,888 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 3,957 |
| Total interest expense | $1,036,000 | 5,267 |
| Net interest income | $4,081,000 | 3,470 |
| Provision for loan and lease losses | $23,000 | 6,658 |
| Total noninterest income | $860,000 | 3,470 |
| Gross Fiduciary activities income | $205,000 | 732 |
| Service charges on deposit accounts | $285,000 | 3,780 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $370,000 | 3,679 |
| Total noninterest expense | $2,712,000 | 3,982 |
| Salaries and employee benefits | $1,524,000 | 3,858 |
| Premises and equipment expense | $320,000 | 4,527 |
| Additional noninterest expense | $868,000 | 3,814 |
| Pre-tax net operating income | $2,206,000 | 2,639 |
| Securities gains (losses) | $22,000 | 2,902 |
| Applicable income taxes | $722,000 | 2,346 |
| Income before extraordinary items | $1,506,000 | 2,955 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,506,000 | 2,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,563 |
| Cash dividends | $1,077,000 | 1,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,491,040 | 2,831 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,448,000 | 3,953 |
| Total interest expense | $697,000 | 5,363 |
| Net interest income | $2,751,000 | 3,425 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $571,000 | 3,474 |
| Gross Fiduciary activities income | $143,000 | 720 |
| Service charges on deposit accounts | $185,000 | 3,796 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $243,000 | 3,677 |
| Total noninterest expense | $1,777,000 | 4,042 |
| Salaries and employee benefits | $991,000 | 3,947 |
| Premises and equipment expense | $205,000 | 4,630 |
| Additional noninterest expense | $581,000 | 3,793 |
| Pre-tax net operating income | $1,530,000 | 2,542 |
| Securities gains (losses) | $22,000 | 2,556 |
| Applicable income taxes | $504,000 | 2,300 |
| Income before extraordinary items | $1,048,000 | 2,876 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,048,000 | 2,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $768,000 | 1,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,033,040 | 2,742 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,754,000 | 3,915 |
| Total interest expense | $357,000 | 5,395 |
| Net interest income | $1,397,000 | 3,373 |
| Provision for loan and lease losses | $7,000 | 6,361 |
| Total noninterest income | $233,000 | 3,792 |
| Gross Fiduciary activities income | $55,000 | 795 |
| Service charges on deposit accounts | $90,000 | 3,801 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $88,000 | 4,169 |
| Total noninterest expense | $853,000 | 4,167 |
| Salaries and employee benefits | $498,000 | 3,917 |
| Premises and equipment expense | $103,000 | 4,610 |
| Additional noninterest expense | $252,000 | 4,193 |
| Pre-tax net operating income | $770,000 | 2,548 |
| Securities gains (losses) | $21,000 | 1,872 |
| Applicable income taxes | $258,000 | 2,282 |
| Income before extraordinary items | $533,000 | 2,811 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $533,000 | 2,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $375,000 | 1,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $518,930 | 2,730 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,903,000 | 4,099 |
| Total interest expense | $1,713,000 | 5,299 |
| Net interest income | $5,190,000 | 3,551 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $861,000 | 3,818 |
| Gross Fiduciary activities income | $277,000 | 735 |
| Service charges on deposit accounts | $352,000 | 3,855 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $232,000 | 4,737 |
| Total noninterest expense | $3,289,000 | 4,154 |
| Salaries and employee benefits | $1,951,000 | 3,818 |
| Premises and equipment expense | $397,000 | 4,682 |
| Additional noninterest expense | $941,000 | 4,384 |
| Pre-tax net operating income | $2,762,000 | 2,672 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $886,000 | 2,411 |
| Income before extraordinary items | $1,876,000 | 2,945 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,876,000 | 2,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,953 |
| Cash dividends | $1,298,000 | 1,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,876,000 | 2,856 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,022,000 | 4,430 |
| Total interest expense | $2,242,000 | 5,761 |
| Net interest income | $4,780,000 | 3,567 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $798,000 | 3,856 |
| Gross Fiduciary activities income | $273,000 | 750 |
| Service charges on deposit accounts | $349,000 | 3,763 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $176,000 | 5,207 |
| Total noninterest expense | $3,044,000 | 4,285 |
| Salaries and employee benefits | $1,842,000 | 3,845 |
| Premises and equipment expense | $338,000 | 5,156 |
| Additional noninterest expense | $864,000 | 4,526 |
| Pre-tax net operating income | $2,534,000 | 2,636 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $796,000 | 2,436 |
| Income before extraordinary items | $1,738,000 | 2,880 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,738,000 | 2,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 9,309 |
| Cash dividends | $1,201,000 | 1,965 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,738,000 | 2,791 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,759,000 | 4,714 |
| Total interest expense | $2,148,000 | 6,061 |
| Net interest income | $4,611,000 | 3,722 |
| Provision for loan and lease losses | $225,000 | 3,486 |
| Total noninterest income | $533,000 | 4,726 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,575 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,011 |
| Total noninterest expense | $2,649,000 | 4,659 |
| Salaries and employee benefits | $1,703,000 | 3,947 |
| Premises and equipment expense | $337,000 | 5,072 |
| Additional noninterest expense | $609,000 | 5,728 |
| Pre-tax net operating income | $2,270,000 | 3,017 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $730,000 | 2,694 |
| Income before extraordinary items | $1,540,000 | 3,184 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,540,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,934 |
| Cash dividends | $1,112,000 | 2,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,540,000 | 3,175 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,163,000 | 4,856 |
| Total interest expense | $2,059,000 | 5,902 |
| Net interest income | $4,104,000 | 4,081 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $754,000 | 3,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 3,653 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $416,000 | 3,321 |
| Total noninterest expense | $2,980,000 | 4,239 |
| Salaries and employee benefits | $1,871,000 | 3,634 |
| Premises and equipment expense | $445,000 | 4,169 |
| Additional noninterest expense | $664,000 | 5,444 |
| Pre-tax net operating income | $1,878,000 | 3,494 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $542,000 | 3,457 |
| Income before extraordinary items | $1,336,000 | 3,561 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,336,000 | 3,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,348 |
| Cash dividends | $907,000 | 2,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,336,000 | 3,529 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,164,000 | 4,904 |
| Total interest expense | $2,264,000 | 5,720 |
| Net interest income | $3,900,000 | 4,206 |
| Provision for loan and lease losses | $600,000 | 1,475 |
| Total noninterest income | $639,000 | 4,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $381,000 | 3,532 |
| Total noninterest expense | $3,530,000 | 3,583 |
| Salaries and employee benefits | $1,791,000 | 3,684 |
| Premises and equipment expense | $914,000 | 2,119 |
| Additional noninterest expense | $825,000 | 4,578 |
| Pre-tax net operating income | $409,000 | 7,830 |
| Securities gains (losses) | $-10,000 | 10,190 |
| Applicable income taxes | $62,000 | 8,116 |
| Income before extraordinary items | $337,000 | 7,609 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $337,000 | 7,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 10,100 |
| Cash dividends | $684,000 | 2,894 |
| Sale, conversion, retirement of capital stock, net | $173,000 | 696 |
| Net operating income | $345,400 | 7,480 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,800,000 | 5,191 |
| Total interest expense | $2,186,000 | 5,910 |
| Net interest income | $3,614,000 | 4,618 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $602,000 | 4,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $321,000 | 3,779 |
| Total noninterest expense | $2,857,000 | 4,268 |
| Salaries and employee benefits | $1,722,000 | 3,795 |
| Premises and equipment expense | $328,000 | 5,139 |
| Additional noninterest expense | $807,000 | 4,693 |
| Pre-tax net operating income | $1,359,000 | 4,815 |
| Securities gains (losses) | $-6,000 | 9,765 |
| Applicable income taxes | $352,000 | 5,279 |
| Income before extraordinary items | $1,001,000 | 4,710 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,001,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 10,246 |
| Cash dividends | $266,000 | 4,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,005,440 | 4,621 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,496,000 | 5,525 |
| Total interest expense | $2,207,000 | 6,037 |
| Net interest income | $3,289,000 | 5,087 |
| Provision for loan and lease losses | $-90,000 | 11,253 |
| Total noninterest income | $660,000 | 4,276 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,562 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $391,000 | 3,450 |
| Total noninterest expense | $2,657,000 | 4,769 |
| Salaries and employee benefits | $1,676,000 | 3,897 |
| Premises and equipment expense | $263,000 | 6,065 |
| Additional noninterest expense | $718,000 | 5,642 |
| Pre-tax net operating income | $1,382,000 | 4,621 |
| Securities gains (losses) | $-37,000 | 10,927 |
| Applicable income taxes | $396,000 | 4,923 |
| Income before extraordinary items | $949,000 | 4,687 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $949,000 | 4,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 11,170 |
| Cash dividends | $247,000 | 5,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $975,270 | 4,539 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,123,000 | 5,883 |
| Total interest expense | $2,082,000 | 6,295 |
| Net interest income | $3,041,000 | 5,439 |
| Provision for loan and lease losses | $-78,000 | 11,664 |
| Total noninterest income | $704,000 | 4,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 4,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $456,000 | 3,045 |
| Total noninterest expense | $2,746,000 | 4,605 |
| Salaries and employee benefits | $1,645,000 | 3,944 |
| Premises and equipment expense | $258,000 | 6,220 |
| Additional noninterest expense | $843,000 | 5,031 |
| Pre-tax net operating income | $1,077,000 | 5,683 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $337,000 | 5,582 |
| Income before extraordinary items | $739,000 | 5,765 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $739,000 | 5,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,757 |
| Cash dividends | $209,000 | 5,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $739,690 | 5,741 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,581,000 | 6,065 |
| Total interest expense | $1,684,000 | 6,374 |
| Net interest income | $2,897,000 | 5,743 |
| Provision for loan and lease losses | $-98,000 | 12,138 |
| Total noninterest income | $628,000 | 4,497 |
| 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 | $389,000 | 3,469 |
| Total noninterest expense | $2,651,000 | 4,901 |
| Salaries and employee benefits | $1,546,000 | 4,174 |
| Premises and equipment expense | $267,000 | 6,229 |
| Additional noninterest expense | $838,000 | 5,485 |
| Pre-tax net operating income | $972,000 | 6,074 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $304,000 | 5,828 |
| Income before extraordinary items | $668,000 | 6,110 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $668,000 | 6,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $190,000 | 5,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $668,000 | 6,177 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,390,000 | 6,426 |
| Total interest expense | $1,814,000 | 6,299 |
| Net interest income | $2,576,000 | 6,403 |
| Provision for loan and lease losses | $-381,000 | 13,141 |
| Total noninterest income | $713,000 | 4,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $485,000 | 3,327 |
| Total noninterest expense | $2,618,000 | 5,069 |
| Salaries and employee benefits | $1,503,000 | 4,267 |
| Premises and equipment expense | $267,000 | 6,383 |
| Additional noninterest expense | $848,000 | 5,635 |
| Pre-tax net operating income | $1,052,000 | 5,680 |
| Securities gains (losses) | $171,000 | 1,854 |
| Applicable income taxes | $337,000 | 5,647 |
| Income before extraordinary items | $886,000 | 5,158 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $886,000 | 5,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 12,713 |
| Cash dividends | $133,000 | 6,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $762,880 | 5,515 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,737,000 | 6,639 |
| Total interest expense | $2,503,000 | 5,989 |
| Net interest income | $2,234,000 | 7,167 |
| Provision for loan and lease losses | $-414,000 | 13,884 |
| Total noninterest income | $540,000 | 5,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 6,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $347,000 | 4,061 |
| Total noninterest expense | $2,546,000 | 5,224 |
| Salaries and employee benefits | $1,407,000 | 4,475 |
| Premises and equipment expense | $271,000 | 6,424 |
| Additional noninterest expense | $868,000 | 5,685 |
| Pre-tax net operating income | $642,000 | 7,441 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $148,000 | 8,666 |
| Income before extraordinary items | $495,000 | 7,379 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $495,000 | 7,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 2,557 |
| Cash dividends | $57,000 | 7,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $494,230 | 7,005 |
* 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.