Home > MFB Financial (The "Savings Bank") > Income and Expense
MFB Financial (The "Savings Bank"), Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,669,000 | 1,477 |
| Total interest expense | $7,264,000 | 1,212 |
| Net interest income | $6,405,000 | 1,744 |
| Provision for loan and lease losses | $827,000 | 1,383 |
| Total noninterest income | $3,007,000 | 962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $3,007,000 | 618 |
| Total noninterest expense | $7,865,000 | 1,233 |
| Salaries and employee benefits | $4,617,000 | 1,111 |
| Premises and equipment expense | $1,458,000 | 938 |
| Additional noninterest expense | $1,790,000 | 1,649 |
| Pre-tax net operating income | $720,000 | 3,651 |
| Securities gains (losses) | $289,000 | 463 |
| Applicable income taxes | $66,000 | 3,840 |
| Income before extraordinary items | $943,000 | 2,697 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $943,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,733 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $674,230 | 3,344 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,065,000 | 1,455 |
| Total interest expense | $3,850,000 | 1,214 |
| Net interest income | $3,215,000 | 1,733 |
| Provision for loan and lease losses | $756,000 | 749 |
| Total noninterest income | $1,472,000 | 982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,472,000 | 624 |
| Total noninterest expense | $3,919,000 | 1,235 |
| Salaries and employee benefits | $2,361,000 | 1,101 |
| Premises and equipment expense | $630,000 | 1,115 |
| Additional noninterest expense | $928,000 | 1,545 |
| Pre-tax net operating income | $12,000 | 7,042 |
| Securities gains (losses) | $137,000 | 576 |
| Applicable income taxes | $-112,000 | 8,168 |
| Income before extraordinary items | $261,000 | 4,110 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $261,000 | 4,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,388 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $124,000 | 5,427 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,494,000 | 1,456 |
| Total interest expense | $15,703,000 | 1,269 |
| Net interest income | $13,791,000 | 1,636 |
| Provision for loan and lease losses | $127,000 | 4,537 |
| Total noninterest income | $5,713,000 | 988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,713,000 | 606 |
| Total noninterest expense | $16,061,000 | 1,165 |
| Salaries and employee benefits | $9,221,000 | 1,085 |
| Premises and equipment expense | $3,046,000 | 869 |
| Additional noninterest expense | $3,794,000 | 1,463 |
| Pre-tax net operating income | $3,316,000 | 2,297 |
| Securities gains (losses) | $314,000 | 346 |
| Applicable income taxes | $754,000 | 2,207 |
| Income before extraordinary items | $2,876,000 | 2,107 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,876,000 | 2,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-458,000 | 8,495 |
| Cash dividends | $6,000,000 | 631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,627,940 | 2,249 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,118,000 | 1,462 |
| Total interest expense | $11,592,000 | 1,292 |
| Net interest income | $10,526,000 | 1,611 |
| Provision for loan and lease losses | $-129,000 | 8,446 |
| Total noninterest income | $4,073,000 | 1,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,073,000 | 644 |
| Total noninterest expense | $11,818,000 | 1,181 |
| Salaries and employee benefits | $6,672,000 | 1,130 |
| Premises and equipment expense | $2,262,000 | 870 |
| Additional noninterest expense | $2,884,000 | 1,397 |
| Pre-tax net operating income | $2,910,000 | 2,163 |
| Securities gains (losses) | $214,000 | 364 |
| Applicable income taxes | $686,000 | 2,111 |
| Income before extraordinary items | $2,438,000 | 2,046 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,438,000 | 2,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-275,000 | 8,489 |
| Cash dividends | $6,000,000 | 481 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,271,080 | 2,133 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,625,000 | 1,485 |
| Total interest expense | $7,669,000 | 1,308 |
| Net interest income | $6,956,000 | 1,657 |
| Provision for loan and lease losses | $-526,000 | 8,571 |
| Total noninterest income | $2,663,000 | 1,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,663,000 | 669 |
| Total noninterest expense | $7,827,000 | 1,210 |
| Salaries and employee benefits | $4,305,000 | 1,186 |
| Premises and equipment expense | $1,516,000 | 880 |
| Additional noninterest expense | $2,006,000 | 1,364 |
| Pre-tax net operating income | $2,318,000 | 1,916 |
| Securities gains (losses) | $156,000 | 348 |
| Applicable income taxes | $645,000 | 1,751 |
| Income before extraordinary items | $1,829,000 | 1,888 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,829,000 | 1,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-640,000 | 8,594 |
| Cash dividends | $4,500,000 | 458 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,713,560 | 1,982 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,333,000 | 1,481 |
| Total interest expense | $3,859,000 | 1,284 |
| Net interest income | $3,474,000 | 1,652 |
| Provision for loan and lease losses | $-228,000 | 8,594 |
| Total noninterest income | $1,366,000 | 1,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,366,000 | 647 |
| Total noninterest expense | $3,932,000 | 1,192 |
| Salaries and employee benefits | $2,150,000 | 1,191 |
| Premises and equipment expense | $792,000 | 847 |
| Additional noninterest expense | $990,000 | 1,346 |
| Pre-tax net operating income | $1,136,000 | 1,957 |
| Securities gains (losses) | $77,000 | 351 |
| Applicable income taxes | $315,000 | 1,799 |
| Income before extraordinary items | $898,000 | 1,872 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $898,000 | 1,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-262,000 | 8,595 |
| Cash dividends | $4,500,000 | 259 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $841,020 | 1,967 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,426,000 | 1,400 |
| Total interest expense | $14,555,000 | 1,150 |
| Net interest income | $13,871,000 | 1,651 |
| Provision for loan and lease losses | $-2,152,000 | 8,655 |
| Total noninterest income | $5,642,000 | 997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,642,000 | 623 |
| Total noninterest expense | $15,948,000 | 1,131 |
| Salaries and employee benefits | $8,582,000 | 1,132 |
| Premises and equipment expense | $3,253,000 | 773 |
| Additional noninterest expense | $4,113,000 | 1,295 |
| Pre-tax net operating income | $5,717,000 | 1,685 |
| Securities gains (losses) | $227,000 | 365 |
| Applicable income taxes | $1,660,000 | 1,523 |
| Income before extraordinary items | $4,284,000 | 1,679 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,284,000 | 1,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,144,000 | 8,672 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,120,560 | 1,730 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $21,351,000 | 1,390 |
| Total interest expense | $10,660,000 | 1,153 |
| Net interest income | $10,691,000 | 1,623 |
| Provision for loan and lease losses | $-1,024,000 | 8,699 |
| Total noninterest income | $4,107,000 | 1,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,107,000 | 639 |
| Total noninterest expense | $11,875,000 | 1,147 |
| Salaries and employee benefits | $6,355,000 | 1,168 |
| Premises and equipment expense | $2,470,000 | 786 |
| Additional noninterest expense | $3,050,000 | 1,313 |
| Pre-tax net operating income | $3,947,000 | 1,868 |
| Securities gains (losses) | $176,000 | 349 |
| Applicable income taxes | $1,128,000 | 1,733 |
| Income before extraordinary items | $2,995,000 | 1,833 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,995,000 | 1,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-929,000 | 8,717 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,866,520 | 1,891 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,262,000 | 1,346 |
| Total interest expense | $6,893,000 | 1,130 |
| Net interest income | $7,369,000 | 1,567 |
| Provision for loan and lease losses | $-189,000 | 8,665 |
| Total noninterest income | $2,760,000 | 1,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,760,000 | 627 |
| Total noninterest expense | $7,894,000 | 1,153 |
| Salaries and employee benefits | $4,220,000 | 1,175 |
| Premises and equipment expense | $1,661,000 | 781 |
| Additional noninterest expense | $2,013,000 | 1,328 |
| Pre-tax net operating income | $2,424,000 | 2,009 |
| Securities gains (losses) | $127,000 | 319 |
| Applicable income taxes | $680,000 | 1,878 |
| Income before extraordinary items | $1,871,000 | 1,947 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,871,000 | 1,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 8,568 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,778,290 | 2,020 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,105,000 | 1,329 |
| Total interest expense | $3,538,000 | 1,021 |
| Net interest income | $3,567,000 | 1,612 |
| Provision for loan and lease losses | $-154,000 | 8,692 |
| Total noninterest income | $1,382,000 | 1,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,382,000 | 633 |
| Total noninterest expense | $3,896,000 | 1,170 |
| Salaries and employee benefits | $2,068,000 | 1,198 |
| Premises and equipment expense | $852,000 | 759 |
| Additional noninterest expense | $976,000 | 1,347 |
| Pre-tax net operating income | $1,207,000 | 1,962 |
| Securities gains (losses) | $86,000 | 268 |
| Applicable income taxes | $351,000 | 1,815 |
| Income before extraordinary items | $942,000 | 1,896 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $942,000 | 1,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,528 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $879,220 | 1,996 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,123,000 | 1,181 |
| Total interest expense | $13,274,000 | 848 |
| Net interest income | $14,849,000 | 1,477 |
| Provision for loan and lease losses | $2,478,000 | 436 |
| Total noninterest income | $5,678,000 | 987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,678,000 | 623 |
| Total noninterest expense | $15,535,000 | 1,095 |
| Salaries and employee benefits | $8,151,000 | 1,142 |
| Premises and equipment expense | $3,020,000 | 800 |
| Additional noninterest expense | $4,364,000 | 1,177 |
| Pre-tax net operating income | $2,514,000 | 3,152 |
| Securities gains (losses) | $698,000 | 234 |
| Applicable income taxes | $573,000 | 3,152 |
| Income before extraordinary items | $2,639,000 | 2,493 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,639,000 | 2,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,252,000 | 233 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,066,640 | 2,980 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,962,000 | 1,152 |
| Total interest expense | $9,738,000 | 825 |
| Net interest income | $11,224,000 | 1,434 |
| Provision for loan and lease losses | $423,000 | 1,637 |
| Total noninterest income | $4,181,000 | 1,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,181,000 | 626 |
| Total noninterest expense | $11,671,000 | 1,081 |
| Salaries and employee benefits | $6,091,000 | 1,129 |
| Premises and equipment expense | $2,185,000 | 813 |
| Additional noninterest expense | $3,395,000 | 1,113 |
| Pre-tax net operating income | $3,311,000 | 2,064 |
| Securities gains (losses) | $613,000 | 233 |
| Applicable income taxes | $1,088,000 | 1,773 |
| Income before extraordinary items | $2,836,000 | 1,848 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,836,000 | 1,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,588,000 | 355 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,394,640 | 2,111 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,554,000 | 1,159 |
| Total interest expense | $6,297,000 | 792 |
| Net interest income | $7,257,000 | 1,470 |
| Provision for loan and lease losses | $332,000 | 1,395 |
| Total noninterest income | $2,455,000 | 1,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,455,000 | 690 |
| Total noninterest expense | $7,706,000 | 1,085 |
| Salaries and employee benefits | $4,059,000 | 1,117 |
| Premises and equipment expense | $1,453,000 | 812 |
| Additional noninterest expense | $2,194,000 | 1,132 |
| Pre-tax net operating income | $1,674,000 | 2,511 |
| Securities gains (losses) | $400,000 | 258 |
| Applicable income taxes | $551,000 | 2,118 |
| Income before extraordinary items | $1,523,000 | 2,202 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,523,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 1,263 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,231,000 | 2,553 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,620,000 | 1,160 |
| Total interest expense | $3,143,000 | 766 |
| Net interest income | $3,477,000 | 1,527 |
| Provision for loan and lease losses | $-29,000 | 8,768 |
| Total noninterest income | $1,382,000 | 972 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,382,000 | 624 |
| Total noninterest expense | $3,904,000 | 1,070 |
| Salaries and employee benefits | $1,971,000 | 1,157 |
| Premises and equipment expense | $837,000 | 713 |
| Additional noninterest expense | $1,096,000 | 1,123 |
| Pre-tax net operating income | $984,000 | 2,193 |
| Securities gains (losses) | $179,000 | 268 |
| Applicable income taxes | $326,000 | 1,867 |
| Income before extraordinary items | $837,000 | 2,008 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $837,000 | 2,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,154 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $708,120 | 2,265 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,007,000 | 1,177 |
| Total interest expense | $11,536,000 | 718 |
| Net interest income | $12,471,000 | 1,629 |
| Provision for loan and lease losses | $800,000 | 1,283 |
| Total noninterest income | $3,868,000 | 1,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,868,000 | 804 |
| Total noninterest expense | $15,093,000 | 1,074 |
| Salaries and employee benefits | $7,582,000 | 1,134 |
| Premises and equipment expense | $2,886,000 | 782 |
| Additional noninterest expense | $4,625,000 | 1,071 |
| Pre-tax net operating income | $446,000 | 6,881 |
| Securities gains (losses) | $899,000 | 304 |
| Applicable income taxes | $-14,000 | 8,600 |
| Income before extraordinary items | $1,359,000 | 3,884 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,359,000 | 3,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,544 |
| Cash dividends | $480,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $460,000 | 6,454 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,203,000 | 1,216 |
| Total interest expense | $8,335,000 | 730 |
| Net interest income | $8,868,000 | 1,698 |
| Provision for loan and lease losses | $500,000 | 1,450 |
| Total noninterest income | $3,682,000 | 1,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,682,000 | 692 |
| Total noninterest expense | $11,142,000 | 1,081 |
| Salaries and employee benefits | $5,615,000 | 1,152 |
| Premises and equipment expense | $2,129,000 | 794 |
| Additional noninterest expense | $3,398,000 | 1,078 |
| Pre-tax net operating income | $908,000 | 4,858 |
| Securities gains (losses) | $677,000 | 348 |
| Applicable income taxes | $184,000 | 4,571 |
| Income before extraordinary items | $1,401,000 | 3,141 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,401,000 | 3,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-161,000 | 8,885 |
| Cash dividends | $480,000 | 2,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $805,240 | 4,524 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,873,000 | 1,268 |
| Total interest expense | $5,395,000 | 743 |
| Net interest income | $5,478,000 | 1,816 |
| Provision for loan and lease losses | $350,000 | 1,369 |
| Total noninterest income | $2,665,000 | 1,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,665,000 | 659 |
| Total noninterest expense | $6,843,000 | 1,178 |
| Salaries and employee benefits | $3,627,000 | 1,200 |
| Premises and equipment expense | $1,283,000 | 869 |
| Additional noninterest expense | $1,933,000 | 1,256 |
| Pre-tax net operating income | $950,000 | 3,652 |
| Securities gains (losses) | $454,000 | 377 |
| Applicable income taxes | $256,000 | 3,350 |
| Income before extraordinary items | $1,148,000 | 2,625 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,148,000 | 2,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 1,482 |
| Cash dividends | $320,000 | 2,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $775,720 | 3,517 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 1,280 |
| Total interest expense | $2,697,000 | 746 |
| Net interest income | $2,730,000 | 1,818 |
| Provision for loan and lease losses | $200,000 | 1,147 |
| Total noninterest income | $988,000 | 1,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $988,000 | 791 |
| Total noninterest expense | $3,354,000 | 1,211 |
| Salaries and employee benefits | $1,774,000 | 1,245 |
| Premises and equipment expense | $663,000 | 857 |
| Additional noninterest expense | $917,000 | 1,314 |
| Pre-tax net operating income | $164,000 | 6,261 |
| Securities gains (losses) | $235,000 | 444 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $397,000 | 3,537 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $397,000 | 3,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 1,063 |
| Cash dividends | $160,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $164,350 | 5,676 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,287,000 | 1,328 |
| Total interest expense | $11,695,000 | 752 |
| Net interest income | $9,592,000 | 2,043 |
| Provision for loan and lease losses | $960,000 | 1,231 |
| Total noninterest income | $4,061,000 | 1,322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,061,000 | 886 |
| Total noninterest expense | $12,436,000 | 1,307 |
| Salaries and employee benefits | $7,367,000 | 1,158 |
| Premises and equipment expense | $2,274,000 | 1,008 |
| Additional noninterest expense | $2,795,000 | 1,737 |
| Pre-tax net operating income | $257,000 | 7,610 |
| Securities gains (losses) | $2,658,000 | 241 |
| Applicable income taxes | $510,000 | 3,339 |
| Income before extraordinary items | $2,405,000 | 2,452 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,405,000 | 2,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $939,000 | 974 |
| Cash dividends | $1,579,000 | 1,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $198,860 | 7,643 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,088,000 | 1,347 |
| Total interest expense | $8,980,000 | 770 |
| Net interest income | $7,108,000 | 2,077 |
| Provision for loan and lease losses | $660,000 | 1,297 |
| Total noninterest income | $2,409,000 | 1,639 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,409,000 | 1,091 |
| Total noninterest expense | $9,102,000 | 1,341 |
| Salaries and employee benefits | $5,518,000 | 1,161 |
| Premises and equipment expense | $1,616,000 | 1,071 |
| Additional noninterest expense | $1,968,000 | 1,833 |
| Pre-tax net operating income | $-245,000 | 8,845 |
| Securities gains (losses) | $2,386,000 | 246 |
| Applicable income taxes | $417,000 | 3,339 |
| Income before extraordinary items | $1,724,000 | 2,656 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,724,000 | 2,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,164,000 | 622 |
| Cash dividends | $1,429,000 | 1,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-208,660 | 8,841 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,887,000 | 1,343 |
| Total interest expense | $6,175,000 | 773 |
| Net interest income | $4,712,000 | 2,078 |
| Provision for loan and lease losses | $560,000 | 1,046 |
| Total noninterest income | $481,000 | 3,827 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $481,000 | 2,497 |
| Total noninterest expense | $5,769,000 | 1,402 |
| Salaries and employee benefits | $3,672,000 | 1,163 |
| Premises and equipment expense | $1,117,000 | 1,030 |
| Additional noninterest expense | $980,000 | 2,409 |
| Pre-tax net operating income | $-1,136,000 | 9,176 |
| Securities gains (losses) | $1,636,000 | 263 |
| Applicable income taxes | $-86,000 | 9,121 |
| Income before extraordinary items | $586,000 | 4,368 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $586,000 | 4,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $836,000 | 579 |
| Cash dividends | $1,285,000 | 1,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-1,050,000 | 9,169 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,436,000 | 1,347 |
| Total interest expense | $3,113,000 | 788 |
| Net interest income | $2,323,000 | 2,105 |
| Provision for loan and lease losses | $450,000 | 656 |
| Total noninterest income | $646,000 | 1,889 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $646,000 | 1,225 |
| Total noninterest expense | $2,852,000 | 1,409 |
| Salaries and employee benefits | $1,795,000 | 1,187 |
| Premises and equipment expense | $584,000 | 987 |
| Additional noninterest expense | $473,000 | 2,461 |
| Pre-tax net operating income | $-333,000 | 9,155 |
| Securities gains (losses) | $937,000 | 227 |
| Applicable income taxes | $108,000 | 3,802 |
| Income before extraordinary items | $496,000 | 2,965 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $496,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $654,000 | 412 |
| Cash dividends | $1,150,000 | 612 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-272,340 | 9,114 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $24,479,000 | 1,256 |
| Total interest expense | $13,371,000 | 848 |
| Net interest income | $11,108,000 | 1,738 |
| Provision for loan and lease losses | $3,587,000 | 484 |
| Total noninterest income | $1,275,000 | 2,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,275,000 | 1,865 |
| Total noninterest expense | $10,300,000 | 1,494 |
| Salaries and employee benefits | $6,543,000 | 1,235 |
| Premises and equipment expense | $2,147,000 | 1,025 |
| Additional noninterest expense | $1,610,000 | 2,791 |
| Pre-tax net operating income | $-1,504,000 | 9,210 |
| Securities gains (losses) | $1,974,000 | 285 |
| Applicable income taxes | $-121,000 | 9,077 |
| Income before extraordinary items | $591,000 | 6,004 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $591,000 | 6,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,161,000 | 543 |
| Cash dividends | $1,558,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,383,000 | 9,201 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,374,000 | 1,205 |
| Total interest expense | $17,055,000 | 952 |
| Net interest income | $11,319,000 | 1,576 |
| Provision for loan and lease losses | $1,371,000 | 974 |
| Total noninterest income | $2,220,000 | 1,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,220,000 | 1,152 |
| Total noninterest expense | $8,915,000 | 1,635 |
| Salaries and employee benefits | $5,566,000 | 1,345 |
| Premises and equipment expense | $2,067,000 | 1,020 |
| Additional noninterest expense | $1,282,000 | 3,293 |
| Pre-tax net operating income | $3,253,000 | 2,106 |
| Securities gains (losses) | $1,441,000 | 317 |
| Applicable income taxes | $1,636,000 | 1,387 |
| Income before extraordinary items | $3,058,000 | 1,721 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,058,000 | 1,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $945,000 | 982 |
| Cash dividends | $790,000 | 2,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,121,350 | 2,319 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $29,060,000 | 1,214 |
| Total interest expense | $17,435,000 | 1,016 |
| Net interest income | $11,625,000 | 1,510 |
| Provision for loan and lease losses | $2,988,000 | 469 |
| Total noninterest income | $2,079,000 | 1,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,079,000 | 1,101 |
| Total noninterest expense | $8,069,000 | 1,731 |
| Salaries and employee benefits | $5,024,000 | 1,409 |
| Premises and equipment expense | $1,710,000 | 1,178 |
| Additional noninterest expense | $1,335,000 | 3,102 |
| Pre-tax net operating income | $2,647,000 | 2,638 |
| Securities gains (losses) | $619,000 | 225 |
| Applicable income taxes | $1,214,000 | 1,809 |
| Income before extraordinary items | $2,052,000 | 2,504 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,052,000 | 2,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,977,000 | 480 |
| Cash dividends | $1,039,000 | 2,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,655,840 | 2,989 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,344,000 | 1,332 |
| Total interest expense | $14,527,000 | 1,050 |
| Net interest income | $9,817,000 | 1,774 |
| Provision for loan and lease losses | $418,000 | 2,043 |
| Total noninterest income | $1,007,000 | 3,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,007,000 | 1,853 |
| Total noninterest expense | $6,887,000 | 1,983 |
| Salaries and employee benefits | $4,391,000 | 1,573 |
| Premises and equipment expense | $1,431,000 | 1,427 |
| Additional noninterest expense | $1,065,000 | 3,810 |
| Pre-tax net operating income | $3,519,000 | 2,081 |
| Securities gains (losses) | $307,000 | 447 |
| Applicable income taxes | $1,566,000 | 1,536 |
| Income before extraordinary items | $2,260,000 | 2,303 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,260,000 | 2,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $601,000 | 1,044 |
| Cash dividends | $765,000 | 2,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,063,520 | 2,470 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $21,696,000 | 1,490 |
| Total interest expense | $13,052,000 | 1,191 |
| Net interest income | $8,644,000 | 1,978 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $1,189,000 | 2,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,189,000 | 1,638 |
| Total noninterest expense | $5,731,000 | 2,279 |
| Salaries and employee benefits | $3,676,000 | 1,814 |
| Premises and equipment expense | $1,247,000 | 1,567 |
| Additional noninterest expense | $808,000 | 4,643 |
| Pre-tax net operating income | $3,952,000 | 1,842 |
| Securities gains (losses) | $225,000 | 859 |
| Applicable income taxes | $1,740,000 | 1,427 |
| Income before extraordinary items | $2,437,000 | 2,140 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,437,000 | 2,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,222 |
| Cash dividends | $6,650,000 | 521 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,293,000 | 2,196 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,244,000 | 1,812 |
| Total interest expense | $10,690,000 | 1,459 |
| Net interest income | $7,554,000 | 2,321 |
| Provision for loan and lease losses | $37,000 | 7,107 |
| Total noninterest income | $647,000 | 4,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $647,000 | 2,355 |
| Total noninterest expense | $4,738,000 | 2,701 |
| Salaries and employee benefits | $3,109,000 | 2,121 |
| Premises and equipment expense | $1,000,000 | 1,973 |
| Additional noninterest expense | $629,000 | 5,629 |
| Pre-tax net operating income | $3,426,000 | 2,194 |
| Securities gains (losses) | $26,000 | 1,720 |
| Applicable income taxes | $1,398,000 | 1,807 |
| Income before extraordinary items | $2,054,000 | 2,525 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,054,000 | 2,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $2,000,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,037,360 | 2,488 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,978,000 | 2,247 |
| Total interest expense | $8,629,000 | 1,829 |
| Net interest income | $6,349,000 | 2,783 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $539,000 | 4,909 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $539,000 | 2,774 |
| Total noninterest expense | $4,941,000 | 2,763 |
| Salaries and employee benefits | $2,408,000 | 2,788 |
| Premises and equipment expense | $711,000 | 2,745 |
| Additional noninterest expense | $1,822,000 | 2,665 |
| Pre-tax net operating income | $1,917,000 | 3,516 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $768,000 | 2,954 |
| Income before extraordinary items | $1,158,000 | 3,984 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,158,000 | 3,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,152,240 | 3,950 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,450,000 | 2,683 |
| Total interest expense | $7,113,000 | 2,181 |
| Net interest income | $5,337,000 | 3,323 |
| Provision for loan and lease losses | $31,000 | 7,042 |
| Total noninterest income | $438,000 | 5,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $438,000 | 3,132 |
| Total noninterest expense | $3,685,000 | 3,570 |
| Salaries and employee benefits | $2,348,000 | 2,840 |
| Premises and equipment expense | $641,000 | 3,047 |
| Additional noninterest expense | $696,000 | 5,886 |
| Pre-tax net operating income | $2,059,000 | 3,394 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $818,000 | 2,827 |
| Income before extraordinary items | $1,241,000 | 3,844 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,241,000 | 3,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,241,000 | 3,827 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,762,000 | 2,580 |
| Total interest expense | $6,124,000 | 2,041 |
| Net interest income | $5,638,000 | 3,183 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $344,000 | 6,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $344,000 | 3,752 |
| Total noninterest expense | $3,448,000 | 3,895 |
| Salaries and employee benefits | $2,224,000 | 2,977 |
| Premises and equipment expense | $578,000 | 3,382 |
| Additional noninterest expense | $646,000 | 6,704 |
| Pre-tax net operating income | $2,504,000 | 2,821 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $927,000 | 2,404 |
| Income before extraordinary items | $1,577,000 | 3,044 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,577,000 | 3,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $9,634,000 | 104 |
| Net operating income | $1,577,000 | 3,061 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,477,000 | 2,697 |
| Total interest expense | $6,398,000 | 2,025 |
| Net interest income | $5,079,000 | 3,519 |
| Provision for loan and lease losses | $193,000 | 4,003 |
| Total noninterest income | $343,000 | 7,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $343,000 | 4,158 |
| Total noninterest expense | $2,860,000 | 4,701 |
| Salaries and employee benefits | $1,741,000 | 3,741 |
| Premises and equipment expense | $540,000 | 3,632 |
| Additional noninterest expense | $579,000 | 7,527 |
| Pre-tax net operating income | $2,369,000 | 2,845 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $1,026,000 | 2,189 |
| Income before extraordinary items | $1,353,000 | 3,575 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,353,000 | 3,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,346,600 | 3,392 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,127,000 | 2,686 |
| Total interest expense | $7,841,000 | 2,170 |
| Net interest income | $5,286,000 | 3,446 |
| Provision for loan and lease losses | $31,000 | 9,924 |
| Total noninterest income | $395,000 | 6,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $395,000 | 3,737 |
| Total noninterest expense | $2,972,000 | 4,578 |
| Salaries and employee benefits | $1,580,000 | 4,029 |
| Premises and equipment expense | $556,000 | 3,616 |
| Additional noninterest expense | $836,000 | 5,856 |
| Pre-tax net operating income | $2,678,000 | 2,307 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,076,000 | 1,972 |
| Income before extraordinary items | $1,602,000 | 2,871 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,602,000 | 2,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,602,000 | 2,648 |
* 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.