Home > Metcalf Bank > Income and Expense
Metcalf Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,241,000 | 2,370 |
| Total interest expense | $1,222,000 | 3,404 |
| Net interest income | $3,019,000 | 1,852 |
| Provision for loan and lease losses | $119,000 | 2,510 |
| Total noninterest income | $888,000 | 1,460 |
| Gross Fiduciary activities income | $106,000 | 635 |
| Service charges on deposit accounts | $474,000 | 913 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $308,000 | 1,939 |
| Total noninterest expense | $2,912,000 | 1,667 |
| Salaries and employee benefits | $1,393,000 | 1,897 |
| Premises and equipment expense | $309,000 | 2,203 |
| Additional noninterest expense | $1,210,000 | 1,185 |
| Pre-tax net operating income | $876,000 | 2,007 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $335,000 | 1,363 |
| Income before extraordinary items | $541,000 | 2,527 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $541,000 | 2,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,196 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $541,000 | 2,451 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,750,000 | 5,366 |
| Total interest expense | $1,874,000 | 5,964 |
| Net interest income | $3,876,000 | 4,726 |
| Provision for loan and lease losses | $138,000 | 4,449 |
| Total noninterest income | $1,158,000 | 3,204 |
| Gross Fiduciary activities income | $57,000 | 994 |
| Service charges on deposit accounts | $701,000 | 2,368 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $400,000 | 3,734 |
| Total noninterest expense | $3,623,000 | 4,415 |
| Salaries and employee benefits | $1,802,000 | 4,745 |
| Premises and equipment expense | $484,000 | 4,467 |
| Additional noninterest expense | $1,337,000 | 3,753 |
| Pre-tax net operating income | $1,273,000 | 4,238 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $498,000 | 2,740 |
| Income before extraordinary items | $775,000 | 4,857 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $775,000 | 4,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,273 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $775,000 | 4,827 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,427,000 | 7,669 |
| Total interest expense | $460,000 | 7,831 |
| Net interest income | $967,000 | 7,443 |
| Provision for loan and lease losses | $38,000 | 5,373 |
| Total noninterest income | $261,000 | 5,819 |
| Gross Fiduciary activities income | $6,000 | 1,244 |
| Service charges on deposit accounts | $174,000 | 4,635 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $81,000 | 6,140 |
| Total noninterest expense | $965,000 | 7,213 |
| Salaries and employee benefits | $462,000 | 7,470 |
| Premises and equipment expense | $116,000 | 7,191 |
| Additional noninterest expense | $387,000 | 6,475 |
| Pre-tax net operating income | $225,000 | 6,869 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $83,000 | 4,590 |
| Income before extraordinary items | $142,000 | 7,074 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $142,000 | 7,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,200 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $142,000 | 7,064 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,537,000 | 2,428 |
| Total interest expense | $2,682,000 | 3,268 |
| Net interest income | $5,855,000 | 1,984 |
| Provision for loan and lease losses | $-47,000 | 8,425 |
| Total noninterest income | $1,802,000 | 1,434 |
| Gross Fiduciary activities income | $118,000 | 772 |
| Service charges on deposit accounts | $1,017,000 | 879 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $667,000 | 1,845 |
| Total noninterest expense | $6,297,000 | 1,456 |
| Salaries and employee benefits | $3,874,000 | 1,312 |
| Premises and equipment expense | $743,000 | 1,780 |
| Additional noninterest expense | $1,680,000 | 1,610 |
| Pre-tax net operating income | $1,407,000 | 2,793 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $47,000 | 4,816 |
| Income before extraordinary items | $1,360,000 | 2,386 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,360,000 | 2,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,237 |
| Cash dividends | $1,031,000 | 1,472 |
| Sale, conversion, retirement of capital stock, net | $756,000 | 265 |
| Net operating income | $1,360,000 | 2,369 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,208,000 | 2,451 |
| Total interest expense | $1,318,000 | 3,289 |
| Net interest income | $2,890,000 | 2,016 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $858,000 | 1,469 |
| Gross Fiduciary activities income | $56,000 | 789 |
| Service charges on deposit accounts | $478,000 | 905 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $324,000 | 1,857 |
| Total noninterest expense | $2,778,000 | 1,666 |
| Salaries and employee benefits | $1,540,000 | 1,694 |
| Premises and equipment expense | $388,000 | 1,722 |
| Additional noninterest expense | $850,000 | 1,570 |
| Pre-tax net operating income | $964,000 | 2,236 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $35,000 | 4,487 |
| Income before extraordinary items | $929,000 | 1,837 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $929,000 | 1,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,955 |
| Cash dividends | $797,000 | 986 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $929,000 | 1,825 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,193,000 | 2,527 |
| Total interest expense | $4,643,000 | 3,217 |
| Net interest income | $10,550,000 | 2,191 |
| Provision for loan and lease losses | $468,000 | 2,021 |
| Total noninterest income | $3,556,000 | 1,419 |
| Gross Fiduciary activities income | $204,000 | 794 |
| Service charges on deposit accounts | $2,064,000 | 854 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,288,000 | 1,861 |
| Total noninterest expense | $10,669,000 | 1,672 |
| Salaries and employee benefits | $5,953,000 | 1,652 |
| Premises and equipment expense | $1,503,000 | 1,692 |
| Additional noninterest expense | $3,213,000 | 1,632 |
| Pre-tax net operating income | $2,969,000 | 2,798 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $104,000 | 4,935 |
| Income before extraordinary items | $2,865,000 | 2,351 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,865,000 | 2,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 2,798 |
| Cash dividends | $1,354,000 | 2,085 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 815 |
| Net operating income | $2,865,000 | 2,334 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,122,000 | 2,566 |
| Total interest expense | $3,368,000 | 3,206 |
| Net interest income | $7,754,000 | 2,250 |
| Provision for loan and lease losses | $235,000 | 2,541 |
| Total noninterest income | $2,610,000 | 1,451 |
| Gross Fiduciary activities income | $126,000 | 826 |
| Service charges on deposit accounts | $1,524,000 | 873 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $960,000 | 1,877 |
| Total noninterest expense | $8,000,000 | 1,674 |
| Salaries and employee benefits | $4,339,000 | 1,695 |
| Premises and equipment expense | $1,187,000 | 1,632 |
| Additional noninterest expense | $2,474,000 | 1,587 |
| Pre-tax net operating income | $2,129,000 | 2,985 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $73,000 | 5,187 |
| Income before extraordinary items | $2,056,000 | 2,505 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,056,000 | 2,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,407 |
| Cash dividends | $1,354,000 | 1,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,056,000 | 2,493 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,201,000 | 2,599 |
| Total interest expense | $2,143,000 | 3,206 |
| Net interest income | $5,058,000 | 2,304 |
| Provision for loan and lease losses | $124,000 | 2,957 |
| Total noninterest income | $1,684,000 | 1,481 |
| Gross Fiduciary activities income | $81,000 | 851 |
| Service charges on deposit accounts | $995,000 | 877 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $608,000 | 1,940 |
| Total noninterest expense | $5,218,000 | 1,713 |
| Salaries and employee benefits | $2,881,000 | 1,704 |
| Premises and equipment expense | $764,000 | 1,675 |
| Additional noninterest expense | $1,573,000 | 1,679 |
| Pre-tax net operating income | $1,400,000 | 3,021 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $48,000 | 5,255 |
| Income before extraordinary items | $1,352,000 | 2,536 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,352,000 | 2,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,578 |
| Cash dividends | $992,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,352,000 | 2,515 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,553,000 | 2,587 |
| Total interest expense | $1,072,000 | 3,074 |
| Net interest income | $2,481,000 | 2,343 |
| Provision for loan and lease losses | $7,000 | 5,519 |
| Total noninterest income | $791,000 | 1,527 |
| Gross Fiduciary activities income | $36,000 | 887 |
| Service charges on deposit accounts | $470,000 | 896 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $285,000 | 2,017 |
| Total noninterest expense | $2,628,000 | 1,708 |
| Salaries and employee benefits | $1,438,000 | 1,715 |
| Premises and equipment expense | $375,000 | 1,715 |
| Additional noninterest expense | $815,000 | 1,598 |
| Pre-tax net operating income | $637,000 | 3,183 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $21,000 | 5,307 |
| Income before extraordinary items | $616,000 | 2,690 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $616,000 | 2,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,099 |
| Cash dividends | $614,000 | 1,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $616,000 | 2,676 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,721,000 | 2,580 |
| Total interest expense | $3,163,000 | 3,181 |
| Net interest income | $9,558,000 | 2,312 |
| Provision for loan and lease losses | $176,000 | 3,848 |
| Total noninterest income | $3,470,000 | 1,434 |
| Gross Fiduciary activities income | $164,000 | 850 |
| Service charges on deposit accounts | $2,050,000 | 846 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,256,000 | 1,899 |
| Total noninterest expense | $10,092,000 | 1,688 |
| Salaries and employee benefits | $5,478,000 | 1,711 |
| Premises and equipment expense | $1,583,000 | 1,537 |
| Additional noninterest expense | $3,031,000 | 1,660 |
| Pre-tax net operating income | $2,760,000 | 2,956 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $92,000 | 5,436 |
| Income before extraordinary items | $2,668,000 | 2,469 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,668,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,030 |
| Cash dividends | $1,387,000 | 1,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,668,000 | 2,434 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,271,000 | 2,592 |
| Total interest expense | $2,176,000 | 3,271 |
| Net interest income | $7,095,000 | 2,310 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $2,582,000 | 1,454 |
| Gross Fiduciary activities income | $116,000 | 849 |
| Service charges on deposit accounts | $1,537,000 | 849 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $929,000 | 1,916 |
| Total noninterest expense | $7,623,000 | 1,661 |
| Salaries and employee benefits | $4,121,000 | 1,676 |
| Premises and equipment expense | $1,202,000 | 1,515 |
| Additional noninterest expense | $2,300,000 | 1,632 |
| Pre-tax net operating income | $2,009,000 | 3,047 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $67,000 | 5,583 |
| Income before extraordinary items | $1,942,000 | 2,537 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,942,000 | 2,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,823 |
| Cash dividends | $1,387,000 | 1,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,942,000 | 2,508 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,019,000 | 2,594 |
| Total interest expense | $1,344,000 | 3,327 |
| Net interest income | $4,675,000 | 2,315 |
| Provision for loan and lease losses | $-30,000 | 8,672 |
| Total noninterest income | $1,685,000 | 1,464 |
| Gross Fiduciary activities income | $76,000 | 862 |
| Service charges on deposit accounts | $990,000 | 863 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $619,000 | 1,887 |
| Total noninterest expense | $5,091,000 | 1,654 |
| Salaries and employee benefits | $2,757,000 | 1,665 |
| Premises and equipment expense | $802,000 | 1,506 |
| Additional noninterest expense | $1,532,000 | 1,613 |
| Pre-tax net operating income | $1,299,000 | 3,072 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $43,000 | 5,638 |
| Income before extraordinary items | $1,256,000 | 2,554 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,256,000 | 2,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,953 |
| Cash dividends | $996,000 | 1,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,256,000 | 2,516 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,935,000 | 2,620 |
| Total interest expense | $642,000 | 3,332 |
| Net interest income | $2,293,000 | 2,341 |
| Provision for loan and lease losses | $-45,000 | 8,796 |
| Total noninterest income | $795,000 | 1,501 |
| Gross Fiduciary activities income | $37,000 | 875 |
| Service charges on deposit accounts | $460,000 | 894 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $298,000 | 1,899 |
| Total noninterest expense | $2,572,000 | 1,639 |
| Salaries and employee benefits | $1,390,000 | 1,659 |
| Premises and equipment expense | $405,000 | 1,494 |
| Additional noninterest expense | $777,000 | 1,591 |
| Pre-tax net operating income | $561,000 | 3,385 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $17,000 | 5,779 |
| Income before extraordinary items | $544,000 | 2,834 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $544,000 | 2,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,699 |
| Cash dividends | $668,000 | 951 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $544,000 | 2,783 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,163,000 | 2,556 |
| Total interest expense | $2,238,000 | 3,323 |
| Net interest income | $8,925,000 | 2,289 |
| Provision for loan and lease losses | $192,000 | 3,768 |
| Total noninterest income | $3,646,000 | 1,379 |
| Gross Fiduciary activities income | $153,000 | 853 |
| Service charges on deposit accounts | $2,245,000 | 780 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,248,000 | 1,853 |
| Total noninterest expense | $9,939,000 | 1,637 |
| Salaries and employee benefits | $5,368,000 | 1,639 |
| Premises and equipment expense | $1,538,000 | 1,508 |
| Additional noninterest expense | $3,033,000 | 1,610 |
| Pre-tax net operating income | $2,440,000 | 3,070 |
| Securities gains (losses) | $72,000 | 1,478 |
| Applicable income taxes | $78,000 | 5,743 |
| Income before extraordinary items | $2,434,000 | 2,486 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,434,000 | 2,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,075 |
| Cash dividends | $1,049,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,364,160 | 2,493 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,245,000 | 2,557 |
| Total interest expense | $1,633,000 | 3,355 |
| Net interest income | $6,612,000 | 2,280 |
| Provision for loan and lease losses | $218,000 | 2,853 |
| Total noninterest income | $2,794,000 | 1,376 |
| Gross Fiduciary activities income | $119,000 | 837 |
| Service charges on deposit accounts | $1,712,000 | 777 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $963,000 | 1,818 |
| Total noninterest expense | $7,503,000 | 1,619 |
| Salaries and employee benefits | $4,027,000 | 1,644 |
| Premises and equipment expense | $1,125,000 | 1,547 |
| Additional noninterest expense | $2,351,000 | 1,550 |
| Pre-tax net operating income | $1,685,000 | 3,315 |
| Securities gains (losses) | $72,000 | 1,403 |
| Applicable income taxes | $52,000 | 5,934 |
| Income before extraordinary items | $1,705,000 | 2,666 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,705,000 | 2,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,320 |
| Cash dividends | $1,049,000 | 1,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,635,160 | 2,689 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,402,000 | 2,584 |
| Total interest expense | $1,088,000 | 3,335 |
| Net interest income | $4,314,000 | 2,314 |
| Provision for loan and lease losses | $130,000 | 2,974 |
| Total noninterest income | $1,807,000 | 1,384 |
| Gross Fiduciary activities income | $87,000 | 828 |
| Service charges on deposit accounts | $1,134,000 | 768 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $586,000 | 1,959 |
| Total noninterest expense | $4,985,000 | 1,624 |
| Salaries and employee benefits | $2,683,000 | 1,648 |
| Premises and equipment expense | $765,000 | 1,514 |
| Additional noninterest expense | $1,537,000 | 1,572 |
| Pre-tax net operating income | $1,006,000 | 3,522 |
| Securities gains (losses) | $46,000 | 1,516 |
| Applicable income taxes | $23,000 | 6,209 |
| Income before extraordinary items | $1,029,000 | 2,863 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,029,000 | 2,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,207 |
| Cash dividends | $719,000 | 1,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $983,920 | 2,889 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,652,000 | 2,625 |
| Total interest expense | $546,000 | 3,373 |
| Net interest income | $2,106,000 | 2,368 |
| Provision for loan and lease losses | $43,000 | 3,661 |
| Total noninterest income | $850,000 | 1,421 |
| Gross Fiduciary activities income | $38,000 | 867 |
| Service charges on deposit accounts | $543,000 | 779 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $269,000 | 2,021 |
| Total noninterest expense | $2,478,000 | 1,646 |
| Salaries and employee benefits | $1,366,000 | 1,634 |
| Premises and equipment expense | $375,000 | 1,566 |
| Additional noninterest expense | $737,000 | 1,620 |
| Pre-tax net operating income | $435,000 | 3,866 |
| Securities gains (losses) | $46,000 | 1,247 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $475,000 | 3,061 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $475,000 | 3,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,902 |
| Cash dividends | $467,000 | 1,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $429,460 | 3,205 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,152,000 | 2,557 |
| Total interest expense | $2,581,000 | 3,264 |
| Net interest income | $8,571,000 | 2,263 |
| Provision for loan and lease losses | $-64,000 | 9,004 |
| Total noninterest income | $4,173,000 | 1,302 |
| Gross Fiduciary activities income | $205,000 | 794 |
| Service charges on deposit accounts | $2,034,000 | 842 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,934,000 | 1,506 |
| Total noninterest expense | $9,257,000 | 1,724 |
| Salaries and employee benefits | $4,847,000 | 1,768 |
| Premises and equipment expense | $1,241,000 | 1,843 |
| Additional noninterest expense | $3,169,000 | 1,558 |
| Pre-tax net operating income | $3,551,000 | 2,192 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $135,000 | 5,404 |
| Income before extraordinary items | $3,416,000 | 1,817 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,416,000 | 1,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,791 |
| Cash dividends | $1,660,000 | 1,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,416,000 | 1,734 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,447,000 | 2,571 |
| Total interest expense | $2,026,000 | 3,257 |
| Net interest income | $6,421,000 | 2,279 |
| Provision for loan and lease losses | $-206,000 | 9,165 |
| Total noninterest income | $3,321,000 | 1,276 |
| Gross Fiduciary activities income | $156,000 | 785 |
| Service charges on deposit accounts | $1,498,000 | 859 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,667,000 | 1,420 |
| Total noninterest expense | $7,025,000 | 1,718 |
| Salaries and employee benefits | $3,617,000 | 1,797 |
| Premises and equipment expense | $1,006,000 | 1,699 |
| Additional noninterest expense | $2,402,000 | 1,532 |
| Pre-tax net operating income | $2,923,000 | 2,086 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $113,000 | 5,441 |
| Income before extraordinary items | $2,810,000 | 1,716 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,810,000 | 1,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $1,660,000 | 1,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,810,000 | 1,625 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,695,000 | 2,557 |
| Total interest expense | $1,425,000 | 3,209 |
| Net interest income | $4,270,000 | 2,283 |
| Provision for loan and lease losses | $-228,000 | 9,221 |
| Total noninterest income | $2,294,000 | 1,229 |
| Gross Fiduciary activities income | $96,000 | 817 |
| Service charges on deposit accounts | $983,000 | 858 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,215,000 | 1,323 |
| Total noninterest expense | $4,698,000 | 1,707 |
| Salaries and employee benefits | $2,411,000 | 1,788 |
| Premises and equipment expense | $651,000 | 1,743 |
| Additional noninterest expense | $1,636,000 | 1,499 |
| Pre-tax net operating income | $2,094,000 | 1,958 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $81,000 | 5,398 |
| Income before extraordinary items | $2,013,000 | 1,610 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,013,000 | 1,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 9,031 |
| Cash dividends | $1,225,000 | 1,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,013,000 | 1,511 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,864,000 | 2,554 |
| Total interest expense | $748,000 | 3,133 |
| Net interest income | $2,116,000 | 2,300 |
| Provision for loan and lease losses | $-229,000 | 9,288 |
| Total noninterest income | $1,126,000 | 1,223 |
| Gross Fiduciary activities income | $43,000 | 848 |
| Service charges on deposit accounts | $462,000 | 890 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $621,000 | 1,260 |
| Total noninterest expense | $2,422,000 | 1,656 |
| Salaries and employee benefits | $1,197,000 | 1,786 |
| Premises and equipment expense | $337,000 | 1,691 |
| Additional noninterest expense | $888,000 | 1,361 |
| Pre-tax net operating income | $1,049,000 | 1,953 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $41,000 | 5,361 |
| Income before extraordinary items | $1,008,000 | 1,599 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,008,000 | 1,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-103,000 | 9,212 |
| Cash dividends | $774,000 | 851 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,008,000 | 1,497 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,432,000 | 2,484 |
| Total interest expense | $3,848,000 | 2,840 |
| Net interest income | $8,584,000 | 2,254 |
| Provision for loan and lease losses | $376,000 | 2,957 |
| Total noninterest income | $3,238,000 | 1,480 |
| Gross Fiduciary activities income | $193,000 | 841 |
| Service charges on deposit accounts | $1,638,000 | 982 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,407,000 | 1,732 |
| Total noninterest expense | $8,313,000 | 1,821 |
| Salaries and employee benefits | $4,330,000 | 1,853 |
| Premises and equipment expense | $1,460,000 | 1,521 |
| Additional noninterest expense | $2,523,000 | 1,839 |
| Pre-tax net operating income | $3,133,000 | 2,408 |
| Securities gains (losses) | $14,000 | 3,404 |
| Applicable income taxes | $115,000 | 5,826 |
| Income before extraordinary items | $3,032,000 | 1,978 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,032,000 | 1,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $562,000 | 1,520 |
| Cash dividends | $1,346,000 | 1,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,018,560 | 1,922 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,804,000 | 2,480 |
| Total interest expense | $5,210,000 | 3,048 |
| Net interest income | $8,594,000 | 2,080 |
| Provision for loan and lease losses | $420,000 | 2,511 |
| Total noninterest income | $2,585,000 | 1,656 |
| Gross Fiduciary activities income | $228,000 | 803 |
| Service charges on deposit accounts | $1,268,000 | 1,169 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,089,000 | 1,920 |
| Total noninterest expense | $7,637,000 | 1,895 |
| Salaries and employee benefits | $4,052,000 | 1,846 |
| Premises and equipment expense | $1,315,000 | 1,639 |
| Additional noninterest expense | $2,270,000 | 1,981 |
| Pre-tax net operating income | $3,122,000 | 2,182 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $93,000 | 6,089 |
| Income before extraordinary items | $3,029,000 | 1,739 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,029,000 | 1,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,779 |
| Cash dividends | $1,613,000 | 1,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,029,000 | 1,663 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,518,000 | 2,575 |
| Total interest expense | $5,442,000 | 3,072 |
| Net interest income | $8,076,000 | 2,198 |
| Provision for loan and lease losses | $445,000 | 2,079 |
| Total noninterest income | $2,017,000 | 1,863 |
| Gross Fiduciary activities income | $180,000 | 829 |
| Service charges on deposit accounts | $1,071,000 | 1,264 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $766,000 | 2,207 |
| Total noninterest expense | $6,897,000 | 2,007 |
| Salaries and employee benefits | $3,740,000 | 1,922 |
| Premises and equipment expense | $1,136,000 | 1,844 |
| Additional noninterest expense | $2,021,000 | 2,133 |
| Pre-tax net operating income | $2,751,000 | 2,565 |
| Securities gains (losses) | $-76,000 | 9,341 |
| Applicable income taxes | $99,000 | 6,521 |
| Income before extraordinary items | $2,576,000 | 2,027 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,576,000 | 2,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,352 |
| Cash dividends | $1,128,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,648,960 | 1,974 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,196,000 | 2,887 |
| Total interest expense | $4,118,000 | 3,505 |
| Net interest income | $7,078,000 | 2,493 |
| Provision for loan and lease losses | $270,000 | 2,899 |
| Total noninterest income | $2,019,000 | 1,841 |
| Gross Fiduciary activities income | $209,000 | 855 |
| Service charges on deposit accounts | $1,085,000 | 1,227 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $725,000 | 2,318 |
| Total noninterest expense | $6,187,000 | 2,212 |
| Salaries and employee benefits | $3,324,000 | 2,109 |
| Premises and equipment expense | $985,000 | 2,079 |
| Additional noninterest expense | $1,878,000 | 2,328 |
| Pre-tax net operating income | $2,640,000 | 2,677 |
| Securities gains (losses) | $-27,000 | 9,628 |
| Applicable income taxes | $94,000 | 7,009 |
| Income before extraordinary items | $2,519,000 | 2,092 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,519,000 | 2,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 9,745 |
| Cash dividends | $1,527,000 | 1,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,544,920 | 2,037 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,794,000 | 2,994 |
| Total interest expense | $4,125,000 | 3,580 |
| Net interest income | $6,669,000 | 2,554 |
| Provision for loan and lease losses | $450,000 | 1,869 |
| Total noninterest income | $2,413,000 | 1,580 |
| Gross Fiduciary activities income | $159,000 | 912 |
| Service charges on deposit accounts | $1,098,000 | 1,152 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,156,000 | 1,672 |
| Total noninterest expense | $6,479,000 | 2,022 |
| Salaries and employee benefits | $3,444,000 | 1,929 |
| Premises and equipment expense | $964,000 | 2,025 |
| Additional noninterest expense | $2,071,000 | 2,056 |
| Pre-tax net operating income | $2,153,000 | 3,134 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,296,000 | 1,856 |
| Income before extraordinary items | $857,000 | 4,975 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $857,000 | 4,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,626 |
| Cash dividends | $96,000 | 6,336 |
| Sale, conversion, retirement of capital stock, net | $-2,000,000 | 10,439 |
| Net operating income | $857,000 | 4,891 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,956,000 | 3,249 |
| Total interest expense | $3,996,000 | 3,678 |
| Net interest income | $5,960,000 | 2,921 |
| Provision for loan and lease losses | $720,000 | 1,297 |
| Total noninterest income | $1,857,000 | 1,883 |
| Gross Fiduciary activities income | $97,000 | 1,054 |
| Service charges on deposit accounts | $1,023,000 | 1,250 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $737,000 | 2,152 |
| Total noninterest expense | $5,156,000 | 2,492 |
| Salaries and employee benefits | $2,713,000 | 2,452 |
| Premises and equipment expense | $1,019,000 | 1,941 |
| Additional noninterest expense | $1,424,000 | 2,873 |
| Pre-tax net operating income | $1,941,000 | 3,645 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $729,000 | 3,136 |
| Income before extraordinary items | $1,212,000 | 4,015 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,212,000 | 4,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $844,000 | 890 |
| Cash dividends | $192,000 | 5,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,212,000 | 3,950 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,056,000 | 3,592 |
| Total interest expense | $3,796,000 | 3,895 |
| Net interest income | $5,260,000 | 3,368 |
| Provision for loan and lease losses | $250,000 | 2,928 |
| Total noninterest income | $1,738,000 | 2,059 |
| Gross Fiduciary activities income | $85,000 | 1,143 |
| Service charges on deposit accounts | $933,000 | 1,442 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $720,000 | 2,253 |
| Total noninterest expense | $4,645,000 | 2,928 |
| Salaries and employee benefits | $2,738,000 | 2,433 |
| Premises and equipment expense | $896,000 | 2,227 |
| Additional noninterest expense | $1,011,000 | 4,372 |
| Pre-tax net operating income | $2,103,000 | 3,278 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $754,000 | 3,007 |
| Income before extraordinary items | $1,349,000 | 3,513 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,349,000 | 3,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,349,000 | 3,469 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,074,000 | 3,975 |
| Total interest expense | $3,462,000 | 4,197 |
| Net interest income | $4,612,000 | 3,810 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $1,438,000 | 2,352 |
| Gross Fiduciary activities income | $43,000 | 1,312 |
| Service charges on deposit accounts | $918,000 | 1,489 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $477,000 | 2,967 |
| Total noninterest expense | $4,006,000 | 3,317 |
| Salaries and employee benefits | $2,290,000 | 2,912 |
| Premises and equipment expense | $661,000 | 2,954 |
| Additional noninterest expense | $1,055,000 | 4,174 |
| Pre-tax net operating income | $1,924,000 | 3,619 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $696,000 | 3,254 |
| Income before extraordinary items | $1,224,000 | 3,892 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,224,000 | 3,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $288,000 | 4,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,226,560 | 3,866 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,474,000 | 3,976 |
| Total interest expense | $3,056,000 | 3,896 |
| Net interest income | $4,418,000 | 3,983 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $1,537,000 | 2,251 |
| Gross Fiduciary activities income | $54,000 | 1,289 |
| Service charges on deposit accounts | $1,008,000 | 1,326 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $475,000 | 3,046 |
| Total noninterest expense | $3,895,000 | 3,509 |
| Salaries and employee benefits | $2,096,000 | 3,142 |
| Premises and equipment expense | $613,000 | 3,209 |
| Additional noninterest expense | $1,186,000 | 4,093 |
| Pre-tax net operating income | $1,940,000 | 3,511 |
| Securities gains (losses) | $101,000 | 772 |
| Applicable income taxes | $741,000 | 2,971 |
| Income before extraordinary items | $1,300,000 | 3,590 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,300,000 | 3,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,175 |
| Cash dividends | $432,000 | 3,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,235,360 | 3,784 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,095,000 | 4,264 |
| Total interest expense | $2,959,000 | 4,156 |
| Net interest income | $4,136,000 | 4,266 |
| Provision for loan and lease losses | $225,000 | 3,650 |
| Total noninterest income | $1,586,000 | 2,336 |
| Gross Fiduciary activities income | $43,000 | 1,368 |
| Service charges on deposit accounts | $1,066,000 | 1,272 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $477,000 | 3,361 |
| Total noninterest expense | $3,877,000 | 3,588 |
| Salaries and employee benefits | $2,056,000 | 3,197 |
| Premises and equipment expense | $730,000 | 2,768 |
| Additional noninterest expense | $1,091,000 | 4,567 |
| Pre-tax net operating income | $1,620,000 | 4,046 |
| Securities gains (losses) | $202,000 | 1,681 |
| Applicable income taxes | $621,000 | 3,491 |
| Income before extraordinary items | $1,201,000 | 4,021 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,201,000 | 4,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 4,007 |
| Cash dividends | $336,000 | 4,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,067,680 | 4,208 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,284,000 | 4,668 |
| Total interest expense | $3,339,000 | 4,723 |
| Net interest income | $3,945,000 | 4,508 |
| Provision for loan and lease losses | $193,000 | 5,318 |
| Total noninterest income | $1,510,000 | 2,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,099,000 | 1,210 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $411,000 | 3,642 |
| Total noninterest expense | $3,592,000 | 3,850 |
| Salaries and employee benefits | $1,913,000 | 3,335 |
| Premises and equipment expense | $700,000 | 2,923 |
| Additional noninterest expense | $979,000 | 5,131 |
| Pre-tax net operating income | $1,670,000 | 3,680 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $585,000 | 3,501 |
| Income before extraordinary items | $1,085,000 | 4,180 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,085,000 | 4,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 4,836 |
| Cash dividends | $480,000 | 2,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,085,000 | 3,876 |
* 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.