Home > National Bank of Montpelier > Income and Expense
National Bank of Montpelier, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,201,000 | 5,213 |
| Total interest expense | $1,580,000 | 5,304 |
| Net interest income | $2,621,000 | 5,027 |
| Provision for loan and lease losses | $35,000 | 6,193 |
| Total noninterest income | $196,000 | 6,148 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $139,000 | 4,975 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $57,000 | 6,425 |
| Total noninterest expense | $2,015,000 | 5,430 |
| Salaries and employee benefits | $1,083,000 | 5,457 |
| Premises and equipment expense | $190,000 | 6,237 |
| Additional noninterest expense | $742,000 | 4,773 |
| Pre-tax net operating income | $767,000 | 4,174 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $123,000 | 3,422 |
| Income before extraordinary items | $644,000 | 3,987 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $644,000 | 3,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,549 |
| Cash dividends | $860,000 | 2,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $644,000 | 4,135 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 5,243 |
| Total interest expense | $1,106,000 | 5,333 |
| Net interest income | $1,730,000 | 5,057 |
| Provision for loan and lease losses | $25,000 | 5,815 |
| Total noninterest income | $133,000 | 6,184 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $93,000 | 4,964 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $40,000 | 6,423 |
| Total noninterest expense | $1,321,000 | 5,514 |
| Salaries and employee benefits | $672,000 | 5,720 |
| Premises and equipment expense | $129,000 | 6,213 |
| Additional noninterest expense | $520,000 | 4,615 |
| Pre-tax net operating income | $517,000 | 4,321 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $85,000 | 3,616 |
| Income before extraordinary items | $432,000 | 4,324 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $432,000 | 4,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,855 |
| Cash dividends | $629,000 | 1,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $432,000 | 4,258 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 5,300 |
| Total interest expense | $581,000 | 5,377 |
| Net interest income | $862,000 | 5,075 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $67,000 | 6,189 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $44,000 | 5,057 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $23,000 | 6,281 |
| Total noninterest expense | $699,000 | 5,371 |
| Salaries and employee benefits | $354,000 | 5,599 |
| Premises and equipment expense | $67,000 | 6,170 |
| Additional noninterest expense | $278,000 | 4,359 |
| Pre-tax net operating income | $215,000 | 4,825 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $28,000 | 4,112 |
| Income before extraordinary items | $187,000 | 4,795 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $187,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,215 |
| Cash dividends | $227,000 | 2,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $187,000 | 4,683 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,752,000 | 5,364 |
| Total interest expense | $2,247,000 | 5,563 |
| Net interest income | $3,505,000 | 5,026 |
| Provision for loan and lease losses | $59,000 | 5,555 |
| Total noninterest income | $318,000 | 5,934 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $228,000 | 4,637 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $90,000 | 6,375 |
| Total noninterest expense | $2,641,000 | 5,435 |
| Salaries and employee benefits | $1,374,000 | 5,570 |
| Premises and equipment expense | $246,000 | 6,297 |
| Additional noninterest expense | $1,021,000 | 4,594 |
| Pre-tax net operating income | $1,123,000 | 4,499 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $214,000 | 3,775 |
| Income before extraordinary items | $909,000 | 4,523 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $909,000 | 4,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,963 |
| Cash dividends | $666,000 | 3,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $909,000 | 4,516 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,274,000 | 5,399 |
| Total interest expense | $1,645,000 | 5,638 |
| Net interest income | $2,629,000 | 5,038 |
| Provision for loan and lease losses | $36,000 | 5,408 |
| Total noninterest income | $227,000 | 6,070 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $173,000 | 4,649 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $54,000 | 6,695 |
| Total noninterest expense | $1,980,000 | 5,392 |
| Salaries and employee benefits | $1,039,000 | 5,517 |
| Premises and equipment expense | $186,000 | 6,262 |
| Additional noninterest expense | $755,000 | 4,575 |
| Pre-tax net operating income | $840,000 | 4,736 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $161,000 | 3,974 |
| Income before extraordinary items | $679,000 | 4,736 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $679,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,034 |
| Cash dividends | $500,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $679,000 | 4,728 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,826,000 | 5,444 |
| Total interest expense | $1,069,000 | 5,707 |
| Net interest income | $1,757,000 | 5,074 |
| Provision for loan and lease losses | $24,000 | 5,201 |
| Total noninterest income | $152,000 | 6,110 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $115,000 | 4,656 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $37,000 | 6,715 |
| Total noninterest expense | $1,319,000 | 5,431 |
| Salaries and employee benefits | $682,000 | 5,643 |
| Premises and equipment expense | $128,000 | 6,211 |
| Additional noninterest expense | $509,000 | 4,523 |
| Pre-tax net operating income | $566,000 | 4,804 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $109,000 | 4,035 |
| Income before extraordinary items | $457,000 | 4,770 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $457,000 | 4,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,152 |
| Cash dividends | $333,000 | 3,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $457,000 | 4,766 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 5,459 |
| Total interest expense | $518,000 | 5,771 |
| Net interest income | $887,000 | 5,046 |
| Provision for loan and lease losses | $12,000 | 4,908 |
| Total noninterest income | $78,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $57,000 | 4,628 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $21,000 | 6,540 |
| Total noninterest expense | $666,000 | 5,419 |
| Salaries and employee benefits | $361,000 | 5,491 |
| Premises and equipment expense | $67,000 | 6,138 |
| Additional noninterest expense | $238,000 | 4,702 |
| Pre-tax net operating income | $287,000 | 4,748 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $56,000 | 3,993 |
| Income before extraordinary items | $231,000 | 4,741 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $231,000 | 4,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,158 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $231,000 | 4,723 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,547,000 | 5,258 |
| Total interest expense | $1,903,000 | 5,540 |
| Net interest income | $3,644,000 | 4,924 |
| Provision for loan and lease losses | $35,000 | 5,927 |
| Total noninterest income | $304,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $216,000 | 4,820 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $88,000 | 6,534 |
| Total noninterest expense | $2,688,000 | 5,256 |
| Salaries and employee benefits | $1,381,000 | 5,456 |
| Premises and equipment expense | $267,000 | 6,036 |
| Additional noninterest expense | $1,040,000 | 4,384 |
| Pre-tax net operating income | $1,225,000 | 4,745 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $242,000 | 4,074 |
| Income before extraordinary items | $983,000 | 4,756 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $983,000 | 4,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,358 |
| Cash dividends | $676,000 | 3,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $983,000 | 4,749 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,142,000 | 5,256 |
| Total interest expense | $1,400,000 | 5,528 |
| Net interest income | $2,742,000 | 4,961 |
| Provision for loan and lease losses | $35,000 | 5,538 |
| Total noninterest income | $215,000 | 6,320 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $155,000 | 4,969 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $60,000 | 6,682 |
| Total noninterest expense | $2,052,000 | 5,186 |
| Salaries and employee benefits | $1,054,000 | 5,385 |
| Premises and equipment expense | $204,000 | 6,013 |
| Additional noninterest expense | $794,000 | 4,291 |
| Pre-tax net operating income | $870,000 | 5,051 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $159,000 | 4,417 |
| Income before extraordinary items | $711,000 | 4,970 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $711,000 | 4,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $510,000 | 2,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $711,000 | 4,963 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,754,000 | 5,235 |
| Total interest expense | $918,000 | 5,450 |
| Net interest income | $1,836,000 | 4,970 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $133,000 | 6,458 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $91,000 | 5,218 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $42,000 | 6,634 |
| Total noninterest expense | $1,351,000 | 5,235 |
| Salaries and employee benefits | $683,000 | 5,509 |
| Premises and equipment expense | $135,000 | 6,040 |
| Additional noninterest expense | $533,000 | 4,271 |
| Pre-tax net operating income | $588,000 | 5,040 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $109,000 | 4,411 |
| Income before extraordinary items | $479,000 | 4,993 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $479,000 | 4,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $343,000 | 2,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $479,000 | 4,984 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,345,000 | 5,260 |
| Total interest expense | $442,000 | 5,435 |
| Net interest income | $903,000 | 5,024 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $66,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $43,000 | 5,250 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,492 |
| Total noninterest expense | $677,000 | 5,234 |
| Salaries and employee benefits | $360,000 | 5,348 |
| Premises and equipment expense | $68,000 | 6,040 |
| Additional noninterest expense | $249,000 | 4,494 |
| Pre-tax net operating income | $277,000 | 5,136 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $50,000 | 4,494 |
| Income before extraordinary items | $227,000 | 5,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $227,000 | 5,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $227,000 | 5,048 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,418,000 | 4,903 |
| Total interest expense | $1,542,000 | 5,160 |
| Net interest income | $3,876,000 | 4,716 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $274,000 | 6,506 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $188,000 | 5,167 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $86,000 | 6,640 |
| Total noninterest expense | $2,707,000 | 5,110 |
| Salaries and employee benefits | $1,408,000 | 5,269 |
| Premises and equipment expense | $261,000 | 6,098 |
| Additional noninterest expense | $1,038,000 | 4,293 |
| Pre-tax net operating income | $1,383,000 | 4,576 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $301,000 | 4,127 |
| Income before extraordinary items | $1,082,000 | 4,624 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,082,000 | 4,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,901 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,082,000 | 4,581 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,040,000 | 4,887 |
| Total interest expense | $1,125,000 | 5,116 |
| Net interest income | $2,915,000 | 4,730 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $196,000 | 6,628 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $141,000 | 5,203 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $55,000 | 6,929 |
| Total noninterest expense | $2,030,000 | 5,095 |
| Salaries and employee benefits | $1,050,000 | 5,264 |
| Premises and equipment expense | $193,000 | 6,124 |
| Additional noninterest expense | $787,000 | 4,231 |
| Pre-tax net operating income | $1,036,000 | 4,681 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $225,000 | 4,243 |
| Income before extraordinary items | $811,000 | 4,718 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $811,000 | 4,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,717 |
| Cash dividends | $333,000 | 3,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $811,000 | 4,685 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 4,841 |
| Total interest expense | $738,000 | 4,994 |
| Net interest income | $1,944,000 | 4,711 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $126,000 | 6,660 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $91,000 | 5,229 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $35,000 | 6,983 |
| Total noninterest expense | $1,357,000 | 5,076 |
| Salaries and employee benefits | $693,000 | 5,273 |
| Premises and equipment expense | $144,000 | 5,822 |
| Additional noninterest expense | $520,000 | 4,236 |
| Pre-tax net operating income | $683,000 | 4,685 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $149,000 | 4,260 |
| Income before extraordinary items | $534,000 | 4,721 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $534,000 | 4,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,130 |
| Cash dividends | $333,000 | 2,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $534,000 | 4,670 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,339,000 | 4,831 |
| Total interest expense | $365,000 | 4,936 |
| Net interest income | $974,000 | 4,703 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $60,000 | 6,751 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $42,000 | 5,359 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 7,012 |
| Total noninterest expense | $722,000 | 4,884 |
| Salaries and employee benefits | $375,000 | 5,042 |
| Premises and equipment expense | $68,000 | 6,037 |
| Additional noninterest expense | $279,000 | 4,023 |
| Pre-tax net operating income | $297,000 | 5,020 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $60,000 | 4,523 |
| Income before extraordinary items | $237,000 | 4,999 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $237,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,124 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $237,000 | 4,960 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,612,000 | 4,476 |
| Total interest expense | $1,513,000 | 4,489 |
| Net interest income | $4,099,000 | 4,407 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $263,000 | 6,666 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $187,000 | 5,360 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $76,000 | 6,858 |
| Total noninterest expense | $2,782,000 | 4,919 |
| Salaries and employee benefits | $1,424,000 | 5,119 |
| Premises and equipment expense | $290,000 | 5,767 |
| Additional noninterest expense | $1,068,000 | 4,118 |
| Pre-tax net operating income | $1,520,000 | 4,213 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $343,000 | 3,968 |
| Income before extraordinary items | $1,177,000 | 4,250 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,177,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,572 |
| Cash dividends | $509,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,177,000 | 4,188 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,219,000 | 4,445 |
| Total interest expense | $1,147,000 | 4,427 |
| Net interest income | $3,072,000 | 4,388 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $184,000 | 6,840 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $141,000 | 5,410 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 7,253 |
| Total noninterest expense | $2,087,000 | 4,877 |
| Salaries and employee benefits | $1,060,000 | 5,097 |
| Premises and equipment expense | $229,000 | 5,602 |
| Additional noninterest expense | $798,000 | 4,094 |
| Pre-tax net operating income | $1,124,000 | 4,334 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $259,000 | 4,021 |
| Income before extraordinary items | $865,000 | 4,389 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $865,000 | 4,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,051 |
| Cash dividends | $333,000 | 3,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $865,000 | 4,316 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 4,426 |
| Total interest expense | $792,000 | 4,315 |
| Net interest income | $2,042,000 | 4,410 |
| Provision for loan and lease losses | $35,000 | 5,187 |
| Total noninterest income | $143,000 | 6,576 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $92,000 | 5,442 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $51,000 | 6,396 |
| Total noninterest expense | $1,377,000 | 4,946 |
| Salaries and employee benefits | $698,000 | 5,178 |
| Premises and equipment expense | $158,000 | 5,516 |
| Additional noninterest expense | $521,000 | 4,180 |
| Pre-tax net operating income | $773,000 | 4,202 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $181,000 | 3,958 |
| Income before extraordinary items | $592,000 | 4,287 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $592,000 | 4,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,778 |
| Cash dividends | $333,000 | 2,722 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $592,000 | 4,208 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,429,000 | 4,420 |
| Total interest expense | $422,000 | 4,168 |
| Net interest income | $1,007,000 | 4,450 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $70,000 | 6,568 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $44,000 | 5,481 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $744,000 | 4,715 |
| Salaries and employee benefits | $371,000 | 4,973 |
| Premises and equipment expense | $81,000 | 5,477 |
| Additional noninterest expense | $292,000 | 3,824 |
| Pre-tax net operating income | $313,000 | 4,718 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $66,000 | 4,439 |
| Income before extraordinary items | $247,000 | 4,791 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $247,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,590 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $247,000 | 4,672 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,074,000 | 4,284 |
| Total interest expense | $2,076,000 | 3,915 |
| Net interest income | $3,998,000 | 4,364 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $376,000 | 6,097 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $190,000 | 5,378 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $186,000 | 5,443 |
| Total noninterest expense | $2,657,000 | 5,000 |
| Salaries and employee benefits | $1,378,000 | 5,143 |
| Premises and equipment expense | $326,000 | 5,408 |
| Additional noninterest expense | $953,000 | 4,429 |
| Pre-tax net operating income | $1,657,000 | 3,854 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $417,000 | 3,691 |
| Income before extraordinary items | $1,240,000 | 4,047 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,240,000 | 4,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,030 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,240,000 | 3,870 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,620,000 | 4,279 |
| Total interest expense | $1,622,000 | 3,904 |
| Net interest income | $2,998,000 | 4,383 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $293,000 | 6,066 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $143,000 | 5,411 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $150,000 | 5,334 |
| Total noninterest expense | $1,940,000 | 5,088 |
| Salaries and employee benefits | $979,000 | 5,323 |
| Premises and equipment expense | $242,000 | 5,429 |
| Additional noninterest expense | $719,000 | 4,392 |
| Pre-tax net operating income | $1,306,000 | 3,832 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $342,000 | 3,688 |
| Income before extraordinary items | $964,000 | 4,075 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $964,000 | 4,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,634 |
| Cash dividends | $333,000 | 3,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $964,000 | 3,902 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,122,000 | 4,276 |
| Total interest expense | $1,132,000 | 3,856 |
| Net interest income | $1,990,000 | 4,416 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $198,000 | 6,037 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $96,000 | 5,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $102,000 | 5,294 |
| Total noninterest expense | $1,288,000 | 5,099 |
| Salaries and employee benefits | $670,000 | 5,244 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $457,000 | 4,539 |
| Pre-tax net operating income | $870,000 | 3,840 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $229,000 | 3,704 |
| Income before extraordinary items | $641,000 | 4,105 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $641,000 | 4,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,723 |
| Cash dividends | $333,000 | 2,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $641,000 | 3,917 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,583,000 | 4,264 |
| Total interest expense | $608,000 | 3,708 |
| Net interest income | $975,000 | 4,474 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $87,000 | 6,231 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 5,391 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 5,651 |
| Total noninterest expense | $640,000 | 5,121 |
| Salaries and employee benefits | $312,000 | 5,504 |
| Premises and equipment expense | $83,000 | 5,318 |
| Additional noninterest expense | $245,000 | 4,281 |
| Pre-tax net operating income | $407,000 | 3,988 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $105,000 | 3,848 |
| Income before extraordinary items | $302,000 | 4,223 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $302,000 | 4,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $302,000 | 4,033 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,027,000 | 4,033 |
| Total interest expense | $3,144,000 | 3,417 |
| Net interest income | $3,883,000 | 4,445 |
| Provision for loan and lease losses | $85,000 | 5,981 |
| Total noninterest income | $354,000 | 6,071 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $188,000 | 5,351 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $166,000 | 5,388 |
| Total noninterest expense | $2,645,000 | 4,883 |
| Salaries and employee benefits | $1,387,000 | 4,972 |
| Premises and equipment expense | $321,000 | 5,345 |
| Additional noninterest expense | $937,000 | 4,401 |
| Pre-tax net operating income | $1,507,000 | 4,109 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $377,000 | 4,005 |
| Income before extraordinary items | $1,130,000 | 4,249 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,130,000 | 4,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,741 |
| Cash dividends | $505,000 | 3,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,130,000 | 4,145 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,136,000 | 3,966 |
| Total interest expense | $4,477,000 | 3,464 |
| Net interest income | $3,659,000 | 4,424 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $286,000 | 6,539 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $158,000 | 5,693 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $128,000 | 5,853 |
| Total noninterest expense | $2,609,000 | 4,819 |
| Salaries and employee benefits | $1,395,000 | 4,766 |
| Premises and equipment expense | $291,000 | 5,618 |
| Additional noninterest expense | $923,000 | 4,322 |
| Pre-tax net operating income | $1,236,000 | 4,358 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $326,000 | 4,111 |
| Income before extraordinary items | $910,000 | 4,534 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $910,000 | 4,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,980 |
| Cash dividends | $510,000 | 3,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $910,000 | 4,422 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,925,000 | 4,168 |
| Total interest expense | $3,817,000 | 4,129 |
| Net interest income | $4,108,000 | 4,091 |
| Provision for loan and lease losses | $80,000 | 5,752 |
| Total noninterest income | $202,000 | 7,246 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $115,000 | 6,308 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $87,000 | 6,735 |
| Total noninterest expense | $2,399,000 | 4,993 |
| Salaries and employee benefits | $1,223,000 | 5,137 |
| Premises and equipment expense | $248,000 | 6,081 |
| Additional noninterest expense | $928,000 | 4,245 |
| Pre-tax net operating income | $1,831,000 | 3,532 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $513,000 | 3,434 |
| Income before extraordinary items | $1,318,000 | 3,601 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,318,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,027 |
| Cash dividends | $500,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,318,000 | 3,585 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,498,000 | 4,153 |
| Total interest expense | $3,659,000 | 3,882 |
| Net interest income | $3,839,000 | 4,326 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $202,000 | 7,477 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $118,000 | 6,387 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $84,000 | 7,038 |
| Total noninterest expense | $2,197,000 | 5,332 |
| Salaries and employee benefits | $1,139,000 | 5,370 |
| Premises and equipment expense | $228,000 | 6,385 |
| Additional noninterest expense | $830,000 | 4,652 |
| Pre-tax net operating income | $1,808,000 | 3,599 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $511,000 | 3,595 |
| Income before extraordinary items | $1,297,000 | 3,651 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,297,000 | 3,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,247 |
| Cash dividends | $505,000 | 3,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,297,000 | 3,609 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,650,000 | 4,091 |
| Total interest expense | $3,881,000 | 3,788 |
| Net interest income | $3,769,000 | 4,327 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $193,000 | 7,669 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $115,000 | 6,563 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $78,000 | 7,242 |
| Total noninterest expense | $2,299,000 | 5,064 |
| Salaries and employee benefits | $1,223,000 | 5,005 |
| Premises and equipment expense | $215,000 | 6,507 |
| Additional noninterest expense | $861,000 | 4,440 |
| Pre-tax net operating income | $1,633,000 | 3,930 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $460,000 | 4,072 |
| Income before extraordinary items | $1,173,000 | 4,001 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,173,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,292 |
| Cash dividends | $509,000 | 3,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,173,000 | 3,911 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,690,000 | 4,115 |
| Total interest expense | $3,910,000 | 3,760 |
| Net interest income | $3,780,000 | 4,441 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $121,000 | 6,738 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $63,000 | 7,914 |
| Total noninterest expense | $2,195,000 | 5,300 |
| Salaries and employee benefits | $1,178,000 | 5,181 |
| Premises and equipment expense | $190,000 | 7,020 |
| Additional noninterest expense | $827,000 | 4,607 |
| Pre-tax net operating income | $1,739,000 | 3,969 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $485,000 | 4,301 |
| Income before extraordinary items | $1,255,000 | 3,909 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,255,000 | 3,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,394 |
| Cash dividends | $499,000 | 3,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,254,280 | 3,841 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,636,000 | 4,209 |
| Total interest expense | $4,201,000 | 3,545 |
| Net interest income | $3,435,000 | 4,900 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $192,000 | 8,339 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $126,000 | 6,956 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $66,000 | 8,243 |
| Total noninterest expense | $2,145,000 | 5,639 |
| Salaries and employee benefits | $1,170,000 | 5,320 |
| Premises and equipment expense | $187,000 | 7,278 |
| Additional noninterest expense | $788,000 | 5,261 |
| Pre-tax net operating income | $1,452,000 | 4,459 |
| Securities gains (losses) | $72,000 | 1,121 |
| Applicable income taxes | $406,000 | 4,850 |
| Income before extraordinary items | $1,118,000 | 4,103 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,118,000 | 4,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,845 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,065,440 | 4,200 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,638,000 | 4,191 |
| Total interest expense | $4,077,000 | 3,616 |
| Net interest income | $3,561,000 | 4,790 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $198,000 | 8,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,185 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,274 |
| Total noninterest expense | $2,104,000 | 5,767 |
| Salaries and employee benefits | $1,093,000 | 5,627 |
| Premises and equipment expense | $180,000 | 7,598 |
| Additional noninterest expense | $831,000 | 5,103 |
| Pre-tax net operating income | $1,655,000 | 4,102 |
| Securities gains (losses) | $-47,000 | 11,138 |
| Applicable income taxes | $431,000 | 4,679 |
| Income before extraordinary items | $1,177,000 | 4,023 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,177,000 | 4,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-103,000 | 11,729 |
| Cash dividends | $783,000 | 2,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,211,310 | 3,911 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,325,000 | 4,058 |
| Total interest expense | $3,275,000 | 3,665 |
| Net interest income | $4,050,000 | 4,324 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $188,000 | 8,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $2,243,000 | 5,643 |
| Salaries and employee benefits | $1,129,000 | 5,530 |
| Premises and equipment expense | $188,000 | 7,687 |
| Additional noninterest expense | $926,000 | 5,054 |
| Pre-tax net operating income | $1,895,000 | 3,593 |
| Securities gains (losses) | $-21,000 | 10,372 |
| Applicable income taxes | $532,000 | 3,867 |
| Income before extraordinary items | $1,342,000 | 3,496 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,342,000 | 3,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,830 |
| Cash dividends | $844,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,357,120 | 3,482 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,127,000 | 4,254 |
| Total interest expense | $3,417,000 | 3,679 |
| Net interest income | $3,710,000 | 4,717 |
| Provision for loan and lease losses | $94,000 | 5,936 |
| Total noninterest income | $188,000 | 9,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 9,213 |
| Total noninterest expense | $2,226,000 | 5,807 |
| Salaries and employee benefits | $1,110,000 | 5,597 |
| Premises and equipment expense | $190,000 | 7,890 |
| Additional noninterest expense | $926,000 | 5,250 |
| Pre-tax net operating income | $1,578,000 | 4,132 |
| Securities gains (losses) | $-17,000 | 12,886 |
| Applicable income taxes | $345,000 | 5,559 |
| Income before extraordinary items | $1,216,000 | 3,968 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,216,000 | 4,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 4,115 |
| Cash dividends | $819,000 | 2,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,229,260 | 3,711 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,523,000 | 4,533 |
| Total interest expense | $4,209,000 | 3,889 |
| Net interest income | $3,314,000 | 5,262 |
| Provision for loan and lease losses | $228,000 | 4,876 |
| Total noninterest income | $200,000 | 9,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 9,151 |
| Total noninterest expense | $2,220,000 | 5,876 |
| Salaries and employee benefits | $1,095,000 | 5,601 |
| Premises and equipment expense | $177,000 | 8,387 |
| Additional noninterest expense | $948,000 | 5,278 |
| Pre-tax net operating income | $1,066,000 | 5,373 |
| Securities gains (losses) | $-17,000 | 13,435 |
| Applicable income taxes | $199,000 | 7,581 |
| Income before extraordinary items | $850,000 | 5,117 |
| Extraordinary gains, net | $178,000 | 486 |
| Net income | $1,028,000 | 4,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 5,577 |
| Cash dividends | $745,000 | 2,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $863,770 | 4,764 |
* 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.