Home > Monticello Bank > Income and Expense
Monticello Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,294,000 | 2,485 |
| Total interest expense | $4,484,000 | 2,124 |
| Net interest income | $3,810,000 | 2,881 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $696,000 | 2,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $696,000 | 1,785 |
| Total noninterest expense | $3,835,000 | 2,376 |
| Salaries and employee benefits | $2,271,000 | 2,257 |
| Premises and equipment expense | $550,000 | 2,352 |
| Additional noninterest expense | $1,014,000 | 2,596 |
| Pre-tax net operating income | $671,000 | 4,416 |
| Securities gains (losses) | $736,000 | 146 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,407,000 | 2,319 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,407,000 | 2,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-301,000 | 8,552 |
| Cash dividends | $529,000 | 2,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $671,000 | 3,910 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,099,000 | 2,510 |
| Total interest expense | $2,147,000 | 2,186 |
| Net interest income | $1,952,000 | 2,826 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $350,000 | 2,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $350,000 | 1,750 |
| Total noninterest expense | $1,949,000 | 2,340 |
| Salaries and employee benefits | $1,145,000 | 2,248 |
| Premises and equipment expense | $253,000 | 2,561 |
| Additional noninterest expense | $551,000 | 2,394 |
| Pre-tax net operating income | $353,000 | 4,290 |
| Securities gains (losses) | $285,000 | 170 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $638,000 | 2,508 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $638,000 | 2,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $304,000 | 1,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $353,000 | 3,768 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,919,000 | 2,560 |
| Total interest expense | $7,767,000 | 2,096 |
| Net interest income | $7,152,000 | 3,048 |
| Provision for loan and lease losses | $459,000 | 2,042 |
| Total noninterest income | $2,391,000 | 1,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,391,000 | 1,182 |
| Total noninterest expense | $7,454,000 | 2,377 |
| Salaries and employee benefits | $4,394,000 | 2,221 |
| Premises and equipment expense | $1,081,000 | 2,294 |
| Additional noninterest expense | $1,979,000 | 2,593 |
| Pre-tax net operating income | $1,630,000 | 4,117 |
| Securities gains (losses) | $885,000 | 181 |
| Applicable income taxes | $16,000 | 5,999 |
| Income before extraordinary items | $2,499,000 | 2,628 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,499,000 | 2,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 1,443 |
| Cash dividends | $2,834,000 | 1,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,622,850 | 3,577 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,048,000 | 2,579 |
| Total interest expense | $5,606,000 | 2,109 |
| Net interest income | $5,442,000 | 3,042 |
| Provision for loan and lease losses | $459,000 | 1,496 |
| Total noninterest income | $1,879,000 | 1,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,879,000 | 1,149 |
| Total noninterest expense | $5,661,000 | 2,331 |
| Salaries and employee benefits | $3,373,000 | 2,172 |
| Premises and equipment expense | $801,000 | 2,323 |
| Additional noninterest expense | $1,487,000 | 2,584 |
| Pre-tax net operating income | $1,201,000 | 4,297 |
| Securities gains (losses) | $522,000 | 210 |
| Applicable income taxes | $12,000 | 6,158 |
| Income before extraordinary items | $1,711,000 | 2,912 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,711,000 | 2,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 1,430 |
| Cash dividends | $2,354,000 | 1,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,194,220 | 3,733 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,274,000 | 2,577 |
| Total interest expense | $3,693,000 | 2,032 |
| Net interest income | $3,581,000 | 3,078 |
| Provision for loan and lease losses | $264,000 | 1,687 |
| Total noninterest income | $1,298,000 | 1,839 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,298,000 | 1,113 |
| Total noninterest expense | $3,727,000 | 2,368 |
| Salaries and employee benefits | $2,242,000 | 2,188 |
| Premises and equipment expense | $542,000 | 2,288 |
| Additional noninterest expense | $943,000 | 2,708 |
| Pre-tax net operating income | $888,000 | 4,081 |
| Securities gains (losses) | $280,000 | 221 |
| Applicable income taxes | $8,000 | 6,196 |
| Income before extraordinary items | $1,160,000 | 2,875 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,160,000 | 2,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,505 |
| Cash dividends | $1,634,000 | 975 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $882,800 | 3,484 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,642,000 | 2,531 |
| Total interest expense | $1,727,000 | 2,067 |
| Net interest income | $1,915,000 | 2,888 |
| Provision for loan and lease losses | $264,000 | 882 |
| Total noninterest income | $750,000 | 1,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $750,000 | 998 |
| Total noninterest expense | $1,917,000 | 2,320 |
| Salaries and employee benefits | $1,139,000 | 2,165 |
| Premises and equipment expense | $288,000 | 2,175 |
| Additional noninterest expense | $490,000 | 2,586 |
| Pre-tax net operating income | $484,000 | 3,814 |
| Securities gains (losses) | $57,000 | 333 |
| Applicable income taxes | $4,000 | 6,184 |
| Income before extraordinary items | $537,000 | 2,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $537,000 | 2,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,166 |
| Cash dividends | $1,634,000 | 493 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $480,570 | 3,247 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,632,000 | 2,423 |
| Total interest expense | $6,107,000 | 1,861 |
| Net interest income | $7,525,000 | 2,849 |
| Provision for loan and lease losses | $1,420,000 | 759 |
| Total noninterest income | $2,552,000 | 1,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,552,000 | 1,143 |
| Total noninterest expense | $7,696,000 | 2,170 |
| Salaries and employee benefits | $4,302,000 | 2,142 |
| Premises and equipment expense | $1,018,000 | 2,328 |
| Additional noninterest expense | $2,376,000 | 2,115 |
| Pre-tax net operating income | $961,000 | 5,459 |
| Securities gains (losses) | $2,169,000 | 135 |
| Applicable income taxes | $56,000 | 5,792 |
| Income before extraordinary items | $3,074,000 | 2,199 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,074,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,546 |
| Cash dividends | $1,387,000 | 1,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $948,380 | 4,927 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,076,000 | 2,395 |
| Total interest expense | $4,418,000 | 1,810 |
| Net interest income | $5,658,000 | 2,824 |
| Provision for loan and lease losses | $1,135,000 | 676 |
| Total noninterest income | $1,935,000 | 1,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,935,000 | 1,150 |
| Total noninterest expense | $5,702,000 | 2,171 |
| Salaries and employee benefits | $3,313,000 | 2,061 |
| Premises and equipment expense | $726,000 | 2,428 |
| Additional noninterest expense | $1,663,000 | 2,223 |
| Pre-tax net operating income | $756,000 | 5,477 |
| Securities gains (losses) | $1,709,000 | 134 |
| Applicable income taxes | $42,000 | 5,906 |
| Income before extraordinary items | $2,423,000 | 2,126 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,423,000 | 2,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,879 |
| Cash dividends | $1,387,000 | 1,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $748,180 | 4,886 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,541,000 | 2,403 |
| Total interest expense | $2,774,000 | 1,816 |
| Net interest income | $3,767,000 | 2,795 |
| Provision for loan and lease losses | $941,000 | 548 |
| Total noninterest income | $1,324,000 | 1,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,324,000 | 1,095 |
| Total noninterest expense | $3,730,000 | 2,203 |
| Salaries and employee benefits | $2,167,000 | 2,095 |
| Premises and equipment expense | $478,000 | 2,430 |
| Additional noninterest expense | $1,085,000 | 2,255 |
| Pre-tax net operating income | $420,000 | 5,863 |
| Securities gains (losses) | $1,155,000 | 144 |
| Applicable income taxes | $28,000 | 5,916 |
| Income before extraordinary items | $1,547,000 | 2,181 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,547,000 | 2,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,223 |
| Cash dividends | $1,387,000 | 1,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $415,100 | 5,317 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,084,000 | 2,508 |
| Total interest expense | $1,337,000 | 1,783 |
| Net interest income | $1,747,000 | 2,996 |
| Provision for loan and lease losses | $303,000 | 751 |
| Total noninterest income | $685,000 | 1,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $685,000 | 1,059 |
| Total noninterest expense | $1,771,000 | 2,337 |
| Salaries and employee benefits | $1,027,000 | 2,211 |
| Premises and equipment expense | $237,000 | 2,479 |
| Additional noninterest expense | $507,000 | 2,404 |
| Pre-tax net operating income | $358,000 | 4,546 |
| Securities gains (losses) | $501,000 | 142 |
| Applicable income taxes | $14,000 | 5,897 |
| Income before extraordinary items | $845,000 | 1,988 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $845,000 | 1,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-214,000 | 8,872 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $354,020 | 3,883 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,755,000 | 2,896 |
| Total interest expense | $4,090,000 | 1,994 |
| Net interest income | $5,665,000 | 3,449 |
| Provision for loan and lease losses | $1,177,000 | 916 |
| Total noninterest income | $3,990,000 | 1,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,990,000 | 785 |
| Total noninterest expense | $6,483,000 | 2,466 |
| Salaries and employee benefits | $3,990,000 | 2,175 |
| Premises and equipment expense | $900,000 | 2,518 |
| Additional noninterest expense | $1,593,000 | 2,984 |
| Pre-tax net operating income | $1,995,000 | 3,505 |
| Securities gains (losses) | $2,368,000 | 163 |
| Applicable income taxes | $53,000 | 6,005 |
| Income before extraordinary items | $4,310,000 | 1,496 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,310,000 | 1,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $699,000 | 1,009 |
| Cash dividends | $849,000 | 2,621 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 8,885 |
| Net operating income | $1,965,680 | 2,905 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,694,000 | 3,100 |
| Total interest expense | $2,779,000 | 2,150 |
| Net interest income | $3,915,000 | 3,661 |
| Provision for loan and lease losses | $907,000 | 849 |
| Total noninterest income | $3,194,000 | 1,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,194,000 | 758 |
| Total noninterest expense | $5,002,000 | 2,384 |
| Salaries and employee benefits | $3,124,000 | 2,093 |
| Premises and equipment expense | $660,000 | 2,566 |
| Additional noninterest expense | $1,218,000 | 2,889 |
| Pre-tax net operating income | $1,200,000 | 4,154 |
| Securities gains (losses) | $1,657,000 | 186 |
| Applicable income taxes | $40,000 | 6,113 |
| Income before extraordinary items | $2,817,000 | 1,727 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,817,000 | 1,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,805 |
| Cash dividends | $849,000 | 1,949 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 8,963 |
| Net operating income | $1,176,570 | 3,523 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,055,000 | 3,351 |
| Total interest expense | $1,649,000 | 2,353 |
| Net interest income | $2,406,000 | 3,897 |
| Provision for loan and lease losses | $493,000 | 1,017 |
| Total noninterest income | $2,009,000 | 1,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,009,000 | 797 |
| Total noninterest expense | $3,407,000 | 2,329 |
| Salaries and employee benefits | $2,145,000 | 2,031 |
| Premises and equipment expense | $444,000 | 2,534 |
| Additional noninterest expense | $818,000 | 2,879 |
| Pre-tax net operating income | $515,000 | 5,233 |
| Securities gains (losses) | $1,135,000 | 195 |
| Applicable income taxes | $27,000 | 6,108 |
| Income before extraordinary items | $1,623,000 | 1,929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,623,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $849,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 9,034 |
| Net operating income | $510,700 | 4,589 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,909,000 | 3,518 |
| Total interest expense | $763,000 | 2,563 |
| Net interest income | $1,146,000 | 4,051 |
| Provision for loan and lease losses | $194,000 | 1,190 |
| Total noninterest income | $948,000 | 1,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $948,000 | 817 |
| Total noninterest expense | $1,685,000 | 2,358 |
| Salaries and employee benefits | $1,066,000 | 2,070 |
| Premises and equipment expense | $239,000 | 2,409 |
| Additional noninterest expense | $380,000 | 3,044 |
| Pre-tax net operating income | $215,000 | 5,652 |
| Securities gains (losses) | $417,000 | 290 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $632,000 | 2,376 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $632,000 | 2,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $849,000 | 776 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 9,084 |
| Net operating income | $215,000 | 5,029 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,966,000 | 3,842 |
| Total interest expense | $3,018,000 | 2,848 |
| Net interest income | $3,948,000 | 4,405 |
| Provision for loan and lease losses | $990,000 | 1,199 |
| Total noninterest income | $2,433,000 | 1,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,433,000 | 1,254 |
| Total noninterest expense | $9,142,000 | 1,740 |
| Salaries and employee benefits | $6,180,000 | 1,388 |
| Premises and equipment expense | $1,114,000 | 2,045 |
| Additional noninterest expense | $1,848,000 | 2,570 |
| Pre-tax net operating income | $-3,751,000 | 9,128 |
| Securities gains (losses) | $6,816,000 | 140 |
| Applicable income taxes | $982,000 | 2,200 |
| Income before extraordinary items | $2,083,000 | 2,775 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,083,000 | 2,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,079,000 | 872 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 854 |
| Net operating income | $-2,551,880 | 9,102 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,204,000 | 3,899 |
| Total interest expense | $2,228,000 | 2,980 |
| Net interest income | $2,976,000 | 4,406 |
| Provision for loan and lease losses | $375,000 | 2,114 |
| Total noninterest income | $1,689,000 | 2,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,689,000 | 1,410 |
| Total noninterest expense | $7,168,000 | 1,692 |
| Salaries and employee benefits | $5,004,000 | 1,306 |
| Premises and equipment expense | $826,000 | 2,087 |
| Additional noninterest expense | $1,338,000 | 2,641 |
| Pre-tax net operating income | $-2,878,000 | 9,182 |
| Securities gains (losses) | $5,965,000 | 146 |
| Applicable income taxes | $982,000 | 1,884 |
| Income before extraordinary items | $2,105,000 | 2,225 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,105,000 | 2,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,312 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 702 |
| Net operating income | $-1,951,200 | 9,158 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,236,000 | 4,156 |
| Total interest expense | $1,442,000 | 3,166 |
| Net interest income | $1,794,000 | 4,721 |
| Provision for loan and lease losses | $330,000 | 1,664 |
| Total noninterest income | $828,000 | 2,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $828,000 | 1,742 |
| Total noninterest expense | $4,512,000 | 1,763 |
| Salaries and employee benefits | $3,374,000 | 1,281 |
| Premises and equipment expense | $563,000 | 2,034 |
| Additional noninterest expense | $575,000 | 3,831 |
| Pre-tax net operating income | $-2,220,000 | 9,220 |
| Securities gains (losses) | $4,262,000 | 154 |
| Applicable income taxes | $816,000 | 1,593 |
| Income before extraordinary items | $1,226,000 | 2,529 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,226,000 | 2,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 1,321 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 569 |
| Net operating income | $-1,501,680 | 9,202 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 4,463 |
| Total interest expense | $704,000 | 3,306 |
| Net interest income | $772,000 | 5,226 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $413,000 | 2,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $413,000 | 1,697 |
| Total noninterest expense | $2,285,000 | 1,734 |
| Salaries and employee benefits | $1,690,000 | 1,285 |
| Premises and equipment expense | $277,000 | 2,058 |
| Additional noninterest expense | $318,000 | 3,480 |
| Pre-tax net operating income | $-1,205,000 | 9,268 |
| Securities gains (losses) | $2,060,000 | 144 |
| Applicable income taxes | $338,000 | 1,876 |
| Income before extraordinary items | $517,000 | 2,876 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $517,000 | 2,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 1,736 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 407 |
| Net operating income | $-801,400 | 9,241 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,921,000 | 5,233 |
| Total interest expense | $2,343,000 | 4,306 |
| Net interest income | $2,578,000 | 5,805 |
| Provision for loan and lease losses | $412,000 | 2,773 |
| Total noninterest income | $1,929,000 | 2,191 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,929,000 | 1,349 |
| Total noninterest expense | $7,316,000 | 2,054 |
| Salaries and employee benefits | $5,085,000 | 1,593 |
| Premises and equipment expense | $1,009,000 | 2,166 |
| Additional noninterest expense | $1,222,000 | 3,560 |
| Pre-tax net operating income | $-3,221,000 | 9,289 |
| Securities gains (losses) | $5,730,000 | 144 |
| Applicable income taxes | $549,000 | 3,272 |
| Income before extraordinary items | $1,960,000 | 2,842 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,960,000 | 2,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,848 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-2,509,400 | 9,275 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,276,000 | 6,122 |
| Total interest expense | $2,744,000 | 5,064 |
| Net interest income | $1,532,000 | 7,269 |
| Provision for loan and lease losses | $89,000 | 5,845 |
| Total noninterest income | $1,098,000 | 3,123 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,098,000 | 1,911 |
| Total noninterest expense | $4,764,000 | 2,943 |
| Salaries and employee benefits | $2,874,000 | 2,610 |
| Premises and equipment expense | $859,000 | 2,462 |
| Additional noninterest expense | $1,031,000 | 3,965 |
| Pre-tax net operating income | $-2,223,000 | 9,499 |
| Securities gains (losses) | $2,528,000 | 215 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $305,000 | 7,104 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $305,000 | 7,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,555 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $772,000 | 445 |
| Net operating income | $-2,223,000 | 9,513 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,475,000 | 6,960 |
| Total interest expense | $1,976,000 | 6,309 |
| Net interest income | $1,499,000 | 7,474 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $652,000 | 4,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $652,000 | 2,495 |
| Total noninterest expense | $2,158,000 | 5,408 |
| Salaries and employee benefits | $1,158,000 | 5,361 |
| Premises and equipment expense | $570,000 | 3,411 |
| Additional noninterest expense | $430,000 | 6,930 |
| Pre-tax net operating income | $-7,000 | 9,150 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-7,000 | 9,169 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-7,000 | 9,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-7,000 | 9,155 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 7,282 |
| Total interest expense | $1,614,000 | 6,697 |
| Net interest income | $1,461,000 | 7,656 |
| Provision for loan and lease losses | $35,000 | 7,095 |
| Total noninterest income | $802,000 | 3,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $802,000 | 2,161 |
| Total noninterest expense | $2,216,000 | 5,302 |
| Salaries and employee benefits | $1,240,000 | 5,037 |
| Premises and equipment expense | $517,000 | 3,657 |
| Additional noninterest expense | $459,000 | 6,829 |
| Pre-tax net operating income | $12,000 | 9,364 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $12,000 | 9,403 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,000 | 9,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,166 |
| Cash dividends | $140,000 | 5,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $12,000 | 9,373 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,083,000 | 7,435 |
| Total interest expense | $1,769,000 | 6,604 |
| Net interest income | $1,314,000 | 8,087 |
| Provision for loan and lease losses | $7,000 | 8,378 |
| Total noninterest income | $731,000 | 3,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $731,000 | 2,313 |
| Total noninterest expense | $1,918,000 | 5,755 |
| Salaries and employee benefits | $1,071,000 | 5,514 |
| Premises and equipment expense | $444,000 | 4,065 |
| Additional noninterest expense | $403,000 | 7,195 |
| Pre-tax net operating income | $120,000 | 9,327 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $120,000 | 9,186 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $120,000 | 9,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $28,000 | 7,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $120,000 | 9,114 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,607,000 | 8,244 |
| Total interest expense | $1,463,000 | 7,434 |
| Net interest income | $1,144,000 | 8,822 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $676,000 | 4,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $676,000 | 2,266 |
| Total noninterest expense | $1,693,000 | 6,316 |
| Salaries and employee benefits | $918,000 | 6,199 |
| Premises and equipment expense | $413,000 | 4,341 |
| Additional noninterest expense | $362,000 | 7,690 |
| Pre-tax net operating income | $127,000 | 9,959 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-132,000 | 10,744 |
| Income before extraordinary items | $259,000 | 8,679 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $259,000 | 8,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,989 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $259,000 | 8,640 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,024,000 | 9,341 |
| Total interest expense | $1,175,000 | 8,459 |
| Net interest income | $849,000 | 9,962 |
| Provision for loan and lease losses | $18,000 | 8,074 |
| Total noninterest income | $540,000 | 4,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $540,000 | 2,769 |
| Total noninterest expense | $1,669,000 | 6,676 |
| Salaries and employee benefits | $868,000 | 6,623 |
| Premises and equipment expense | $262,000 | 6,077 |
| Additional noninterest expense | $539,000 | 6,774 |
| Pre-tax net operating income | $-298,000 | 11,142 |
| Securities gains (losses) | $25,000 | 1,832 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-273,000 | 11,159 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-273,000 | 11,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,349 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-298,000 | 11,148 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,946,000 | 9,809 |
| Total interest expense | $1,075,000 | 8,983 |
| Net interest income | $871,000 | 10,335 |
| Provision for loan and lease losses | $-50,000 | 11,576 |
| Total noninterest income | $50,000 | 11,349 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $50,000 | 9,224 |
| Total noninterest expense | $1,001,000 | 8,947 |
| Salaries and employee benefits | $484,000 | 9,252 |
| Premises and equipment expense | $184,000 | 7,520 |
| Additional noninterest expense | $333,000 | 8,883 |
| Pre-tax net operating income | $-30,000 | 11,546 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-30,000 | 11,548 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-30,000 | 11,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 11,441 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-30,000 | 11,524 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,911,000 | 9,966 |
| Total interest expense | $935,000 | 8,967 |
| Net interest income | $976,000 | 10,472 |
| Provision for loan and lease losses | $-63,000 | 12,051 |
| Total noninterest income | $59,000 | 11,739 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $59,000 | 9,142 |
| Total noninterest expense | $792,000 | 10,283 |
| Salaries and employee benefits | $342,000 | 10,830 |
| Premises and equipment expense | $181,000 | 7,828 |
| Additional noninterest expense | $269,000 | 10,303 |
| Pre-tax net operating income | $306,000 | 10,101 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $655,000 | 3,259 |
| Income before extraordinary items | $-349,000 | 12,298 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-349,000 | 12,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 11,755 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $320,000 | 616 |
| Net operating income | $-349,000 | 12,309 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,947,000 | 10,285 |
| Total interest expense | $1,072,000 | 8,792 |
| Net interest income | $875,000 | 11,257 |
| Provision for loan and lease losses | $453,000 | 2,251 |
| Total noninterest income | $-1,000 | 13,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $-1,000 | 13,279 |
| Total noninterest expense | $1,635,000 | 7,396 |
| Salaries and employee benefits | $334,000 | 11,318 |
| Premises and equipment expense | $168,000 | 8,425 |
| Additional noninterest expense | $1,133,000 | 4,420 |
| Pre-tax net operating income | $-1,214,000 | 13,006 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-1,212,000 | 13,023 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,212,000 | 13,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $975,000 | 1,161 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $330,000 | 682 |
| Net operating income | $-1,214,000 | 12,988 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 10,514 |
| Total interest expense | $1,342,000 | 9,069 |
| Net interest income | $842,000 | 11,744 |
| Provision for loan and lease losses | $388,000 | 3,535 |
| Total noninterest income | $91,000 | 11,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $91,000 | 8,401 |
| Total noninterest expense | $761,000 | 11,199 |
| Salaries and employee benefits | $328,000 | 11,694 |
| Premises and equipment expense | $149,000 | 9,148 |
| Additional noninterest expense | $284,000 | 11,071 |
| Pre-tax net operating income | $-216,000 | 13,113 |
| Securities gains (losses) | $21,000 | 5,524 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-195,000 | 13,176 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-195,000 | 13,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $515,000 | 2,425 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $232,000 | 700 |
| Net operating income | $-216,000 | 13,078 |
* 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.