Home > Miami Valley Bank > Income and Expense
Miami Valley Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 2,904 |
| Total interest expense | $3,209,000 | 2,823 |
| Net interest income | $3,721,000 | 2,958 |
| Provision for loan and lease losses | $1,599,000 | 397 |
| Total noninterest income | $-11,761,000 | 8,613 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $55,000 | 5,947 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-11,816,000 | 8,623 |
| Total noninterest expense | $1,530,000 | 4,953 |
| Salaries and employee benefits | $664,000 | 5,729 |
| Premises and equipment expense | $181,000 | 5,330 |
| Additional noninterest expense | $685,000 | 3,627 |
| Pre-tax net operating income | $-11,169,000 | 8,612 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-11,169,000 | 8,605 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-11,169,000 | 8,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 1,151 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-11,169,000 | 8,602 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,005,000 | 2,562 |
| Total interest expense | $1,737,000 | 2,630 |
| Net interest income | $2,268,000 | 2,484 |
| Provision for loan and lease losses | $7,729,000 | 78 |
| Total noninterest income | $112,000 | 5,295 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $27,000 | 5,944 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $85,000 | 4,082 |
| Total noninterest expense | $656,000 | 5,476 |
| Salaries and employee benefits | $309,000 | 5,953 |
| Premises and equipment expense | $100,000 | 5,048 |
| Additional noninterest expense | $247,000 | 4,583 |
| Pre-tax net operating income | $-6,005,000 | 8,646 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-6,005,000 | 8,642 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-6,005,000 | 8,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 749 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-6,005,000 | 8,637 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,548,000 | 2,618 |
| Total interest expense | $6,795,000 | 2,342 |
| Net interest income | $7,753,000 | 2,834 |
| Provision for loan and lease losses | $408,000 | 2,229 |
| Total noninterest income | $742,000 | 4,231 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $122,000 | 5,866 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $620,000 | 2,957 |
| Total noninterest expense | $2,711,000 | 5,222 |
| Salaries and employee benefits | $1,280,000 | 5,702 |
| Premises and equipment expense | $402,000 | 4,900 |
| Additional noninterest expense | $1,029,000 | 4,422 |
| Pre-tax net operating income | $5,376,000 | 1,770 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $5,376,000 | 1,359 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,376,000 | 1,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,097 |
| Cash dividends | $5,376,000 | 657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,376,000 | 1,348 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,810,000 | 2,624 |
| Total interest expense | $4,940,000 | 2,341 |
| Net interest income | $5,870,000 | 2,829 |
| Provision for loan and lease losses | $168,000 | 3,219 |
| Total noninterest income | $630,000 | 3,944 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $92,000 | 5,921 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $538,000 | 2,750 |
| Total noninterest expense | $1,923,000 | 5,384 |
| Salaries and employee benefits | $940,000 | 5,743 |
| Premises and equipment expense | $309,000 | 4,829 |
| Additional noninterest expense | $674,000 | 4,833 |
| Pre-tax net operating income | $4,409,000 | 1,687 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $4,409,000 | 1,280 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,409,000 | 1,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,229 |
| Cash dividends | $2,990,000 | 838 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,409,000 | 1,268 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,029,000 | 2,641 |
| Total interest expense | $3,012,000 | 2,430 |
| Net interest income | $4,017,000 | 2,780 |
| Provision for loan and lease losses | $214,000 | 2,000 |
| Total noninterest income | $455,000 | 3,741 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $60,000 | 5,971 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $395,000 | 2,577 |
| Total noninterest expense | $1,268,000 | 5,433 |
| Salaries and employee benefits | $613,000 | 5,839 |
| Premises and equipment expense | $203,000 | 4,881 |
| Additional noninterest expense | $452,000 | 4,809 |
| Pre-tax net operating income | $2,990,000 | 1,654 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $2,990,000 | 1,252 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,990,000 | 1,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,556 |
| Cash dividends | $1,449,000 | 1,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,990,000 | 1,238 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,346,000 | 2,704 |
| Total interest expense | $1,380,000 | 2,500 |
| Net interest income | $1,966,000 | 2,818 |
| Provision for loan and lease losses | $151,000 | 1,416 |
| Total noninterest income | $245,000 | 3,515 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $217,000 | 2,374 |
| Total noninterest expense | $611,000 | 5,559 |
| Salaries and employee benefits | $310,000 | 5,830 |
| Premises and equipment expense | $103,000 | 4,872 |
| Additional noninterest expense | $198,000 | 5,204 |
| Pre-tax net operating income | $1,449,000 | 1,671 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,449,000 | 1,269 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,449,000 | 1,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,449,000 | 1,252 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,678,000 | 2,977 |
| Total interest expense | $2,900,000 | 3,432 |
| Net interest income | $7,778,000 | 2,778 |
| Provision for loan and lease losses | $137,000 | 4,280 |
| Total noninterest income | $1,059,000 | 3,416 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $114,000 | 6,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $945,000 | 2,294 |
| Total noninterest expense | $2,584,000 | 5,266 |
| Salaries and employee benefits | $1,229,000 | 5,722 |
| Premises and equipment expense | $309,000 | 5,641 |
| Additional noninterest expense | $1,046,000 | 4,272 |
| Pre-tax net operating income | $6,116,000 | 1,558 |
| Securities gains (losses) | $230,000 | 465 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $6,346,000 | 1,145 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,346,000 | 1,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $6,346,000 | 536 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,116,000 | 1,159 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,449,000 | 3,121 |
| Total interest expense | $1,808,000 | 3,782 |
| Net interest income | $5,641,000 | 2,829 |
| Provision for loan and lease losses | $117,000 | 3,935 |
| Total noninterest income | $781,000 | 3,464 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $86,000 | 6,113 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $695,000 | 2,327 |
| Total noninterest expense | $1,857,000 | 5,382 |
| Salaries and employee benefits | $904,000 | 5,748 |
| Premises and equipment expense | $218,000 | 5,820 |
| Additional noninterest expense | $735,000 | 4,470 |
| Pre-tax net operating income | $4,448,000 | 1,609 |
| Securities gains (losses) | $230,000 | 441 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $4,678,000 | 1,158 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,678,000 | 1,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,271 |
| Cash dividends | $2,983,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,448,000 | 1,190 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,475,000 | 3,325 |
| Total interest expense | $1,009,000 | 4,100 |
| Net interest income | $3,466,000 | 3,025 |
| Provision for loan and lease losses | $25,000 | 5,445 |
| Total noninterest income | $490,000 | 3,578 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $56,000 | 6,119 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $434,000 | 2,402 |
| Total noninterest expense | $1,178,000 | 5,528 |
| Salaries and employee benefits | $573,000 | 5,904 |
| Premises and equipment expense | $143,000 | 5,844 |
| Additional noninterest expense | $462,000 | 4,640 |
| Pre-tax net operating income | $2,753,000 | 1,686 |
| Securities gains (losses) | $230,000 | 376 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $2,983,000 | 1,180 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,983,000 | 1,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $1,471,000 | 953 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,753,000 | 1,252 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,028,000 | 3,546 |
| Total interest expense | $454,000 | 4,310 |
| Net interest income | $1,574,000 | 3,279 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $239,000 | 3,569 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $29,000 | 6,046 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $210,000 | 2,407 |
| Total noninterest expense | $572,000 | 5,658 |
| Salaries and employee benefits | $286,000 | 5,942 |
| Premises and equipment expense | $73,000 | 5,831 |
| Additional noninterest expense | $213,000 | 4,873 |
| Pre-tax net operating income | $1,241,000 | 1,824 |
| Securities gains (losses) | $230,000 | 227 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,471,000 | 1,177 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,471,000 | 1,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,241,000 | 1,348 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,257,000 | 3,709 |
| Total interest expense | $1,719,000 | 4,104 |
| Net interest income | $5,538,000 | 3,524 |
| Provision for loan and lease losses | $70,000 | 5,501 |
| Total noninterest income | $950,000 | 3,677 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $105,000 | 6,397 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $845,000 | 2,405 |
| Total noninterest expense | $2,330,000 | 5,527 |
| Salaries and employee benefits | $1,142,000 | 5,853 |
| Premises and equipment expense | $313,000 | 5,557 |
| Additional noninterest expense | $875,000 | 4,791 |
| Pre-tax net operating income | $4,088,000 | 2,029 |
| Securities gains (losses) | $105,000 | 1,210 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $4,193,000 | 1,538 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,193,000 | 1,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $4,193,000 | 728 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,088,000 | 1,539 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,250,000 | 3,771 |
| Total interest expense | $1,303,000 | 4,036 |
| Net interest income | $3,947,000 | 3,635 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $715,000 | 3,680 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $78,000 | 6,466 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $637,000 | 2,415 |
| Total noninterest expense | $1,714,000 | 5,557 |
| Salaries and employee benefits | $838,000 | 5,874 |
| Premises and equipment expense | $244,000 | 5,419 |
| Additional noninterest expense | $632,000 | 4,882 |
| Pre-tax net operating income | $2,898,000 | 2,128 |
| Securities gains (losses) | $105,000 | 1,142 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $3,003,000 | 1,620 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,003,000 | 1,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $1,940,000 | 1,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,898,000 | 1,625 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,463,000 | 3,807 |
| Total interest expense | $899,000 | 3,932 |
| Net interest income | $2,564,000 | 3,696 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $401,000 | 4,085 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $51,000 | 6,505 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $350,000 | 2,731 |
| Total noninterest expense | $1,093,000 | 5,727 |
| Salaries and employee benefits | $541,000 | 6,015 |
| Premises and equipment expense | $161,000 | 5,465 |
| Additional noninterest expense | $391,000 | 5,136 |
| Pre-tax net operating income | $1,842,000 | 2,191 |
| Securities gains (losses) | $104,000 | 999 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,946,000 | 1,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,946,000 | 1,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $867,000 | 1,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,842,000 | 1,673 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,581,000 | 4,109 |
| Total interest expense | $472,000 | 3,826 |
| Net interest income | $1,109,000 | 4,160 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $212,000 | 3,924 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $25,000 | 6,482 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $187,000 | 2,589 |
| Total noninterest expense | $542,000 | 5,776 |
| Salaries and employee benefits | $274,000 | 6,023 |
| Premises and equipment expense | $83,000 | 5,402 |
| Additional noninterest expense | $185,000 | 5,342 |
| Pre-tax net operating income | $769,000 | 2,505 |
| Securities gains (losses) | $104,000 | 781 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $873,000 | 1,797 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $873,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $769,000 | 1,937 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,879,000 | 3,488 |
| Total interest expense | $2,885,000 | 2,972 |
| Net interest income | $4,994,000 | 3,679 |
| Provision for loan and lease losses | $70,000 | 5,822 |
| Total noninterest income | $485,000 | 5,524 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $96,000 | 6,623 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $389,000 | 4,029 |
| Total noninterest expense | $2,376,000 | 5,400 |
| Salaries and employee benefits | $1,167,000 | 5,736 |
| Premises and equipment expense | $262,000 | 6,048 |
| Additional noninterest expense | $947,000 | 4,447 |
| Pre-tax net operating income | $3,033,000 | 2,482 |
| Securities gains (losses) | $183,000 | 1,393 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $3,216,000 | 1,922 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,216,000 | 1,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,558 |
| Cash dividends | $3,216,000 | 934 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,033,000 | 1,930 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,363,000 | 3,304 |
| Total interest expense | $2,246,000 | 2,957 |
| Net interest income | $4,117,000 | 3,437 |
| Provision for loan and lease losses | $60,000 | 5,499 |
| Total noninterest income | $319,000 | 5,893 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $72,000 | 6,675 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $247,000 | 4,401 |
| Total noninterest expense | $1,726,000 | 5,497 |
| Salaries and employee benefits | $860,000 | 5,759 |
| Premises and equipment expense | $197,000 | 6,038 |
| Additional noninterest expense | $669,000 | 4,624 |
| Pre-tax net operating income | $2,650,000 | 2,261 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $2,650,000 | 1,828 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,650,000 | 1,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,943 |
| Cash dividends | $1,150,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,650,000 | 1,721 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,057,000 | 3,478 |
| Total interest expense | $1,501,000 | 3,044 |
| Net interest income | $2,556,000 | 3,637 |
| Provision for loan and lease losses | $20,000 | 6,304 |
| Total noninterest income | $2,000 | 9,192 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $47,000 | 6,687 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-45,000 | 9,248 |
| Total noninterest expense | $1,132,000 | 5,541 |
| Salaries and employee benefits | $567,000 | 5,800 |
| Premises and equipment expense | $129,000 | 6,077 |
| Additional noninterest expense | $436,000 | 4,702 |
| Pre-tax net operating income | $1,406,000 | 2,727 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,406,000 | 2,227 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,406,000 | 2,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,131 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,406,000 | 2,107 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,923,000 | 3,643 |
| Total interest expense | $757,000 | 3,090 |
| Net interest income | $1,166,000 | 3,911 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $-127,000 | 9,305 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $23,000 | 6,666 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-150,000 | 9,318 |
| Total noninterest expense | $572,000 | 5,504 |
| Salaries and employee benefits | $277,000 | 5,887 |
| Premises and equipment expense | $66,000 | 6,019 |
| Additional noninterest expense | $229,000 | 4,511 |
| Pre-tax net operating income | $467,000 | 3,665 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $467,000 | 3,103 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $467,000 | 3,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $467,000 | 2,942 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,804,000 | 4,143 |
| Total interest expense | $3,245,000 | 3,310 |
| Net interest income | $3,559,000 | 4,711 |
| Provision for loan and lease losses | $35,000 | 7,087 |
| Total noninterest income | $85,000 | 8,586 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $104,000 | 6,516 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-19,000 | 9,297 |
| Total noninterest expense | $2,260,000 | 5,451 |
| Salaries and employee benefits | $1,133,000 | 5,696 |
| Premises and equipment expense | $271,000 | 5,879 |
| Additional noninterest expense | $856,000 | 4,703 |
| Pre-tax net operating income | $1,349,000 | 4,388 |
| Securities gains (losses) | $306,000 | 883 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,655,000 | 3,250 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,655,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,417 |
| Cash dividends | $1,884,000 | 1,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,349,000 | 3,676 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,331,000 | 3,884 |
| Total interest expense | $4,352,000 | 3,558 |
| Net interest income | $3,979,000 | 4,147 |
| Provision for loan and lease losses | $676,000 | 1,726 |
| Total noninterest income | $354,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $97,000 | 6,631 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $257,000 | 4,437 |
| Total noninterest expense | $2,305,000 | 5,238 |
| Salaries and employee benefits | $1,159,000 | 5,453 |
| Premises and equipment expense | $272,000 | 5,840 |
| Additional noninterest expense | $874,000 | 4,491 |
| Pre-tax net operating income | $1,352,000 | 4,128 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,352,000 | 3,494 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,352,000 | 3,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $616,000 | 1,340 |
| Cash dividends | $1,379,000 | 1,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,352,000 | 3,395 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,227,000 | 3,657 |
| Total interest expense | $4,531,000 | 3,597 |
| Net interest income | $4,696,000 | 3,665 |
| Provision for loan and lease losses | $64,000 | 6,118 |
| Total noninterest income | $921,000 | 3,331 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $97,000 | 6,628 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $824,000 | 2,117 |
| Total noninterest expense | $2,780,000 | 4,492 |
| Salaries and employee benefits | $1,086,000 | 5,606 |
| Premises and equipment expense | $304,000 | 5,381 |
| Additional noninterest expense | $1,390,000 | 3,008 |
| Pre-tax net operating income | $2,773,000 | 2,546 |
| Securities gains (losses) | $93,000 | 582 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $2,866,000 | 1,819 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,866,000 | 1,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,198 |
| Cash dividends | $3,968,000 | 764 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,773,000 | 1,880 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,633,000 | 3,645 |
| Total interest expense | $4,178,000 | 3,453 |
| Net interest income | $4,455,000 | 3,819 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,019,000 | 3,047 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $91,000 | 6,892 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $928,000 | 1,964 |
| Total noninterest expense | $2,936,000 | 4,289 |
| Salaries and employee benefits | $1,159,000 | 5,295 |
| Premises and equipment expense | $327,000 | 5,200 |
| Additional noninterest expense | $1,450,000 | 2,950 |
| Pre-tax net operating income | $2,538,000 | 2,757 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $2,538,000 | 2,073 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,538,000 | 2,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 9,940 |
| Cash dividends | $3,859,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,538,000 | 2,043 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,809,000 | 3,602 |
| Total interest expense | $3,529,000 | 4,100 |
| Net interest income | $5,280,000 | 3,232 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,396,000 | 2,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 7,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,310,000 | 1,532 |
| Total noninterest expense | $3,117,000 | 3,982 |
| Salaries and employee benefits | $1,136,000 | 5,272 |
| Premises and equipment expense | $541,000 | 3,475 |
| Additional noninterest expense | $1,440,000 | 2,878 |
| Pre-tax net operating income | $3,439,000 | 2,102 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-17,000 | 10,046 |
| Income before extraordinary items | $3,456,000 | 1,525 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,456,000 | 1,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,605 |
| Cash dividends | $981,000 | 2,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,456,000 | 1,460 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,087,000 | 4,452 |
| Total interest expense | $3,187,000 | 4,465 |
| Net interest income | $3,900,000 | 4,329 |
| Provision for loan and lease losses | $894,000 | 1,091 |
| Total noninterest income | $962,000 | 3,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 7,630 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $881,000 | 1,899 |
| Total noninterest expense | $2,420,000 | 4,914 |
| Salaries and employee benefits | $991,000 | 5,906 |
| Premises and equipment expense | $273,000 | 5,759 |
| Additional noninterest expense | $1,156,000 | 3,451 |
| Pre-tax net operating income | $1,548,000 | 4,378 |
| Securities gains (losses) | $18,000 | 1,964 |
| Applicable income taxes | $535,000 | 4,021 |
| Income before extraordinary items | $1,031,000 | 4,604 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,031,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $890,000 | 865 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,019,120 | 4,573 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,949,000 | 4,066 |
| Total interest expense | $3,077,000 | 4,670 |
| Net interest income | $4,872,000 | 3,615 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $739,000 | 3,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 7,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $658,000 | 2,411 |
| Total noninterest expense | $2,499,000 | 5,010 |
| Salaries and employee benefits | $935,000 | 6,288 |
| Premises and equipment expense | $324,000 | 5,293 |
| Additional noninterest expense | $1,240,000 | 3,684 |
| Pre-tax net operating income | $3,112,000 | 2,290 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,078,000 | 2,187 |
| Income before extraordinary items | $2,034,000 | 2,416 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,034,000 | 2,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,505 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,034,000 | 2,369 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,700,000 | 4,733 |
| Total interest expense | $2,077,000 | 6,305 |
| Net interest income | $4,623,000 | 3,803 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $2,448,000 | 1,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,378,000 | 1,016 |
| Total noninterest expense | $3,546,000 | 3,700 |
| Salaries and employee benefits | $1,527,000 | 4,217 |
| Premises and equipment expense | $321,000 | 5,340 |
| Additional noninterest expense | $1,698,000 | 2,753 |
| Pre-tax net operating income | $3,525,000 | 2,087 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,201,000 | 2,027 |
| Income before extraordinary items | $2,324,000 | 2,175 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,324,000 | 2,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,324,000 | 2,145 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,536,000 | 5,209 |
| Total interest expense | $1,650,000 | 6,469 |
| Net interest income | $3,886,000 | 4,503 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $3,785,000 | 1,134 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 9,835 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,739,000 | 769 |
| Total noninterest expense | $4,195,000 | 3,278 |
| Salaries and employee benefits | $1,940,000 | 3,382 |
| Premises and equipment expense | $343,000 | 5,146 |
| Additional noninterest expense | $1,912,000 | 2,672 |
| Pre-tax net operating income | $3,436,000 | 2,074 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,175,000 | 1,913 |
| Income before extraordinary items | $2,261,000 | 2,167 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,261,000 | 2,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 11,157 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,261,000 | 2,181 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,689,000 | 6,099 |
| Total interest expense | $844,000 | 9,811 |
| Net interest income | $3,845,000 | 4,569 |
| Provision for loan and lease losses | $95,000 | 5,900 |
| Total noninterest income | $3,570,000 | 1,277 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 9,246 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,497,000 | 865 |
| Total noninterest expense | $3,810,000 | 3,636 |
| Salaries and employee benefits | $1,753,000 | 3,711 |
| Premises and equipment expense | $329,000 | 5,469 |
| Additional noninterest expense | $1,728,000 | 3,084 |
| Pre-tax net operating income | $3,510,000 | 1,942 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,197,000 | 1,928 |
| Income before extraordinary items | $2,313,000 | 2,162 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,313,000 | 2,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,313,000 | 2,037 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,039,000 | 8,906 |
| Total interest expense | $635,000 | 12,134 |
| Net interest income | $2,404,000 | 6,784 |
| Provision for loan and lease losses | $100,000 | 7,236 |
| Total noninterest income | $2,582,000 | 1,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 9,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,498,000 | 1,083 |
| Total noninterest expense | $2,833,000 | 4,769 |
| Salaries and employee benefits | $1,431,000 | 4,408 |
| Premises and equipment expense | $321,000 | 5,703 |
| Additional noninterest expense | $1,081,000 | 4,750 |
| Pre-tax net operating income | $2,053,000 | 3,027 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $698,000 | 2,996 |
| Income before extraordinary items | $1,355,000 | 3,387 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,355,000 | 3,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 4,061 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,355,000 | 3,140 |
* 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.