Home > Odebolt State Bank > Income and Expense
Odebolt State Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $307,000 | 8,455 |
| Total interest expense | $23,000 | 8,474 |
| Net interest income | $284,000 | 8,424 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $4,000 | 8,364 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,000 | 7,438 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,000 | 8,265 |
| Total noninterest expense | $163,000 | 8,508 |
| Salaries and employee benefits | $84,000 | 8,495 |
| Premises and equipment expense | $9,000 | 8,484 |
| Additional noninterest expense | $70,000 | 8,477 |
| Pre-tax net operating income | $125,000 | 7,076 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $35,000 | 5,131 |
| Income before extraordinary items | $90,000 | 7,178 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $90,000 | 7,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,709 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $90,000 | 7,150 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $240,000 | 8,490 |
| Total interest expense | $19,000 | 8,499 |
| Net interest income | $221,000 | 8,461 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $3,000 | 8,402 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,000 | 7,448 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $120,000 | 8,534 |
| Salaries and employee benefits | $63,000 | 8,520 |
| Premises and equipment expense | $7,000 | 8,504 |
| Additional noninterest expense | $50,000 | 8,510 |
| Pre-tax net operating income | $104,000 | 7,306 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $31,000 | 5,240 |
| Income before extraordinary items | $73,000 | 7,388 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $73,000 | 7,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $73,000 | 7,371 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $163,000 | 8,554 |
| Total interest expense | $13,000 | 8,543 |
| Net interest income | $150,000 | 8,529 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $2,000 | 8,471 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,000 | 7,510 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,000 | 8,368 |
| Total noninterest expense | $82,000 | 8,590 |
| Salaries and employee benefits | $42,000 | 8,575 |
| Premises and equipment expense | $5,000 | 8,552 |
| Additional noninterest expense | $35,000 | 8,553 |
| Pre-tax net operating income | $70,000 | 7,412 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $21,000 | 5,320 |
| Income before extraordinary items | $49,000 | 7,495 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $49,000 | 7,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $49,000 | 7,482 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $84,000 | 8,602 |
| Total interest expense | $8,000 | 8,575 |
| Net interest income | $76,000 | 8,575 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,000 | 8,512 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,000 | 7,501 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $0 | 8,433 |
| Total noninterest expense | $39,000 | 8,626 |
| Salaries and employee benefits | $21,000 | 8,618 |
| Premises and equipment expense | $3,000 | 8,570 |
| Additional noninterest expense | $15,000 | 8,601 |
| Pre-tax net operating income | $38,000 | 7,447 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $12,000 | 5,224 |
| Income before extraordinary items | $26,000 | 7,528 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $26,000 | 7,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $26,000 | 7,510 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $350,000 | 8,590 |
| Total interest expense | $41,000 | 8,581 |
| Net interest income | $309,000 | 8,556 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $6,000 | 8,527 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,000 | 7,545 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,437 |
| Total noninterest expense | $171,000 | 8,653 |
| Salaries and employee benefits | $108,000 | 8,627 |
| Premises and equipment expense | $10,000 | 8,623 |
| Additional noninterest expense | $53,000 | 8,643 |
| Pre-tax net operating income | $144,000 | 7,573 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $37,000 | 5,629 |
| Income before extraordinary items | $107,000 | 7,645 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $107,000 | 7,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,042 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $107,000 | 7,638 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $258,000 | 8,656 |
| Total interest expense | $32,000 | 8,645 |
| Net interest income | $226,000 | 8,626 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $3,000 | 8,624 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,000 | 7,617 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,569 |
| Total noninterest expense | $129,000 | 8,710 |
| Salaries and employee benefits | $81,000 | 8,690 |
| Premises and equipment expense | $8,000 | 8,683 |
| Additional noninterest expense | $40,000 | 8,698 |
| Pre-tax net operating income | $100,000 | 7,806 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $25,000 | 5,863 |
| Income before extraordinary items | $75,000 | 7,849 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $75,000 | 7,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $75,000 | 7,847 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $169,000 | 8,708 |
| Total interest expense | $22,000 | 8,684 |
| Net interest income | $147,000 | 8,682 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $2,000 | 8,664 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,000 | 7,650 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,582 |
| Total noninterest expense | $87,000 | 8,749 |
| Salaries and employee benefits | $54,000 | 8,736 |
| Premises and equipment expense | $5,000 | 8,718 |
| Additional noninterest expense | $28,000 | 8,732 |
| Pre-tax net operating income | $62,000 | 7,895 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $14,000 | 5,980 |
| Income before extraordinary items | $48,000 | 7,923 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $48,000 | 7,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $48,000 | 7,927 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $83,000 | 8,731 |
| Total interest expense | $11,000 | 8,705 |
| Net interest income | $72,000 | 8,708 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,000 | 8,667 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $46,000 | 8,761 |
| Salaries and employee benefits | $27,000 | 8,744 |
| Premises and equipment expense | $4,000 | 8,696 |
| Additional noninterest expense | $15,000 | 8,745 |
| Pre-tax net operating income | $27,000 | 7,964 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $22,000 | 7,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $22,000 | 7,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $22,000 | 7,954 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $269,000 | 8,732 |
| Total interest expense | $46,000 | 8,698 |
| Net interest income | $223,000 | 8,718 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $6,000 | 8,695 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $4,000 | 7,677 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,000 | 8,635 |
| Total noninterest expense | $177,000 | 8,801 |
| Salaries and employee benefits | $122,000 | 8,773 |
| Premises and equipment expense | $10,000 | 8,775 |
| Additional noninterest expense | $45,000 | 8,799 |
| Pre-tax net operating income | $52,000 | 8,135 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $52,000 | 8,134 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $52,000 | 8,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $52,000 | 8,106 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $191,000 | 8,770 |
| Total interest expense | $34,000 | 8,739 |
| Net interest income | $157,000 | 8,765 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $5,000 | 8,744 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 7,723 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,654 |
| Total noninterest expense | $136,000 | 8,823 |
| Salaries and employee benefits | $92,000 | 8,795 |
| Premises and equipment expense | $8,000 | 8,797 |
| Additional noninterest expense | $36,000 | 8,821 |
| Pre-tax net operating income | $26,000 | 8,261 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $26,000 | 8,279 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $26,000 | 8,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $26,000 | 8,246 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $123,000 | 8,799 |
| Total interest expense | $24,000 | 8,749 |
| Net interest income | $99,000 | 8,791 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $4,000 | 8,739 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,000 | 7,732 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,000 | 8,611 |
| Total noninterest expense | $90,000 | 8,833 |
| Salaries and employee benefits | $61,000 | 8,810 |
| Premises and equipment expense | $4,000 | 8,801 |
| Additional noninterest expense | $25,000 | 8,826 |
| Pre-tax net operating income | $13,000 | 8,309 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $13,000 | 8,317 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $13,000 | 8,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $13,000 | 8,283 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $58,000 | 8,874 |
| Total interest expense | $12,000 | 8,823 |
| Net interest income | $46,000 | 8,870 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $2,000 | 8,803 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,000 | 7,789 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $47,000 | 8,900 |
| Salaries and employee benefits | $31,000 | 8,872 |
| Premises and equipment expense | $2,000 | 8,862 |
| Additional noninterest expense | $14,000 | 8,881 |
| Pre-tax net operating income | $1,000 | 8,411 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,000 | 8,441 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,000 | 8,441 |
| 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 | $1,000 | 8,412 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $159,000 | 8,900 |
| Total interest expense | $54,000 | 8,828 |
| Net interest income | $105,000 | 8,908 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $20,000 | 8,776 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $5,000 | 7,833 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,368 |
| Total noninterest expense | $181,000 | 8,933 |
| Salaries and employee benefits | $122,000 | 8,901 |
| Premises and equipment expense | $9,000 | 8,925 |
| Additional noninterest expense | $50,000 | 8,930 |
| Pre-tax net operating income | $-56,000 | 8,453 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-56,000 | 8,500 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-56,000 | 8,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-56,000 | 8,466 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $114,000 | 8,958 |
| Total interest expense | $41,000 | 8,885 |
| Net interest income | $73,000 | 8,962 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $18,000 | 8,822 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,000 | 7,885 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $15,000 | 8,248 |
| Total noninterest expense | $139,000 | 8,982 |
| Salaries and employee benefits | $91,000 | 8,961 |
| Premises and equipment expense | $8,000 | 8,960 |
| Additional noninterest expense | $40,000 | 8,972 |
| Pre-tax net operating income | $-48,000 | 8,550 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-48,000 | 8,578 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-48,000 | 8,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-48,000 | 8,550 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $73,000 | 9,020 |
| Total interest expense | $26,000 | 8,944 |
| Net interest income | $47,000 | 9,022 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $3,000 | 8,988 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,000 | 7,934 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,898 |
| Total noninterest expense | $91,000 | 9,037 |
| Salaries and employee benefits | $61,000 | 9,013 |
| Premises and equipment expense | $4,000 | 9,024 |
| Additional noninterest expense | $26,000 | 9,031 |
| Pre-tax net operating income | $-41,000 | 8,617 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-41,000 | 8,653 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-41,000 | 8,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-41,000 | 8,617 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $40,000 | 9,063 |
| Total interest expense | $13,000 | 8,994 |
| Net interest income | $27,000 | 9,063 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $2,000 | 9,001 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,932 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $47,000 | 9,076 |
| Salaries and employee benefits | $31,000 | 9,051 |
| Premises and equipment expense | $3,000 | 9,031 |
| Additional noninterest expense | $13,000 | 9,068 |
| Pre-tax net operating income | $-18,000 | 8,643 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-18,000 | 8,680 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-18,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-18,000 | 8,632 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $188,000 | 9,082 |
| Total interest expense | $56,000 | 9,030 |
| Net interest income | $132,000 | 9,077 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $6,000 | 9,080 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $6,000 | 7,980 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $181,000 | 9,138 |
| Salaries and employee benefits | $120,000 | 9,100 |
| Premises and equipment expense | $11,000 | 9,116 |
| Additional noninterest expense | $50,000 | 9,127 |
| Pre-tax net operating income | $-43,000 | 8,595 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-43,000 | 8,686 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-43,000 | 8,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,342 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-43,000 | 8,606 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $144,000 | 9,156 |
| Total interest expense | $43,000 | 9,111 |
| Net interest income | $101,000 | 9,152 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $5,000 | 9,138 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $4,000 | 8,044 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,000 | 9,071 |
| Total noninterest expense | $133,000 | 9,197 |
| Salaries and employee benefits | $89,000 | 9,160 |
| Premises and equipment expense | $8,000 | 9,167 |
| Additional noninterest expense | $36,000 | 9,192 |
| Pre-tax net operating income | $-27,000 | 8,685 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-27,000 | 8,773 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-27,000 | 8,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-27,000 | 8,682 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $103,000 | 9,197 |
| Total interest expense | $30,000 | 9,153 |
| Net interest income | $73,000 | 9,194 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $3,000 | 9,179 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $3,000 | 8,063 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $0 | 9,111 |
| Total noninterest expense | $87,000 | 9,228 |
| Salaries and employee benefits | $59,000 | 9,195 |
| Premises and equipment expense | $4,000 | 9,206 |
| Additional noninterest expense | $24,000 | 9,213 |
| Pre-tax net operating income | $-11,000 | 8,710 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-11,000 | 8,799 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-11,000 | 8,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,202 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-11,000 | 8,695 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $53,000 | 9,239 |
| Total interest expense | $15,000 | 9,198 |
| Net interest income | $38,000 | 9,234 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $1,000 | 9,226 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 8,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $41,000 | 9,279 |
| Salaries and employee benefits | $29,000 | 9,242 |
| Premises and equipment expense | $2,000 | 9,243 |
| Additional noninterest expense | $10,000 | 9,272 |
| Pre-tax net operating income | $-2,000 | 8,723 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-2,000 | 8,777 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,000 | 8,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-2,000 | 8,677 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $227,000 | 9,262 |
| Total interest expense | $84,000 | 9,207 |
| Net interest income | $143,000 | 9,271 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $4,000 | 9,265 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,000 | 8,157 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,000 | 9,177 |
| Total noninterest expense | $179,000 | 9,309 |
| Salaries and employee benefits | $121,000 | 9,274 |
| Premises and equipment expense | $8,000 | 9,300 |
| Additional noninterest expense | $50,000 | 9,298 |
| Pre-tax net operating income | $-32,000 | 8,689 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-15,000 | 8,884 |
| Income before extraordinary items | $-17,000 | 8,754 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-17,000 | 8,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,420 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-17,000 | 8,676 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $428,000 | 9,456 |
| Total interest expense | $133,000 | 9,442 |
| Net interest income | $295,000 | 9,419 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $4,000 | 9,518 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,000 | 8,339 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,000 | 9,443 |
| Total noninterest expense | $182,000 | 9,569 |
| Salaries and employee benefits | $122,000 | 9,533 |
| Premises and equipment expense | $12,000 | 9,549 |
| Additional noninterest expense | $48,000 | 9,558 |
| Pre-tax net operating income | $117,000 | 8,255 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $32,000 | 7,036 |
| Income before extraordinary items | $85,000 | 8,420 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $85,000 | 8,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $20,000 | 6,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $85,000 | 8,319 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $544,000 | 9,669 |
| Total interest expense | $168,000 | 9,693 |
| Net interest income | $376,000 | 9,620 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $5,000 | 9,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $178,000 | 9,855 |
| Salaries and employee benefits | $122,000 | 9,807 |
| Premises and equipment expense | $9,000 | 9,836 |
| Additional noninterest expense | $47,000 | 9,842 |
| Pre-tax net operating income | $203,000 | 8,357 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $69,000 | 6,944 |
| Income before extraordinary items | $134,000 | 8,505 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $134,000 | 8,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,623 |
| Cash dividends | $20,000 | 6,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $134,000 | 8,501 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $499,000 | 9,973 |
| Total interest expense | $178,000 | 9,961 |
| Net interest income | $321,000 | 9,932 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $4,000 | 10,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 8,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $194,000 | 10,161 |
| Salaries and employee benefits | $120,000 | 10,107 |
| Premises and equipment expense | $17,000 | 10,104 |
| Additional noninterest expense | $57,000 | 10,135 |
| Pre-tax net operating income | $131,000 | 8,915 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $38,000 | 7,850 |
| Income before extraordinary items | $93,000 | 9,015 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $93,000 | 9,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $20,000 | 6,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $93,000 | 8,981 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $542,000 | 10,200 |
| Total interest expense | $189,000 | 10,198 |
| Net interest income | $353,000 | 10,140 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $5,000 | 10,342 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $175,000 | 10,395 |
| Salaries and employee benefits | $116,000 | 10,339 |
| Premises and equipment expense | $17,000 | 10,340 |
| Additional noninterest expense | $42,000 | 10,407 |
| Pre-tax net operating income | $183,000 | 8,989 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $60,000 | 8,159 |
| Income before extraordinary items | $123,000 | 9,164 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $123,000 | 9,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $20,000 | 7,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $123,000 | 9,094 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $572,000 | 10,660 |
| Total interest expense | $200,000 | 10,674 |
| Net interest income | $372,000 | 10,593 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $3,000 | 10,849 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,761 |
| Total noninterest expense | $169,000 | 10,853 |
| Salaries and employee benefits | $113,000 | 10,795 |
| Premises and equipment expense | $14,000 | 10,816 |
| Additional noninterest expense | $42,000 | 10,856 |
| Pre-tax net operating income | $206,000 | 9,542 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $70,000 | 8,905 |
| Income before extraordinary items | $136,000 | 9,714 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $136,000 | 9,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $20,000 | 7,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $136,000 | 9,667 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $581,000 | 11,207 |
| Total interest expense | $197,000 | 11,231 |
| Net interest income | $384,000 | 11,122 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $4,000 | 11,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,246 |
| Total noninterest expense | $180,000 | 11,382 |
| Salaries and employee benefits | $117,000 | 11,325 |
| Premises and equipment expense | $22,000 | 11,270 |
| Additional noninterest expense | $41,000 | 11,409 |
| Pre-tax net operating income | $208,000 | 9,740 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $66,000 | 9,389 |
| Income before extraordinary items | $142,000 | 9,868 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $142,000 | 9,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $20,000 | 8,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $142,000 | 9,809 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $594,000 | 11,722 |
| Total interest expense | $192,000 | 11,763 |
| Net interest income | $402,000 | 11,604 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $4,000 | 11,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $173,000 | 11,896 |
| Salaries and employee benefits | $116,000 | 11,830 |
| Premises and equipment expense | $9,000 | 11,907 |
| Additional noninterest expense | $48,000 | 11,899 |
| Pre-tax net operating income | $233,000 | 10,242 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $83,000 | 9,520 |
| Income before extraordinary items | $150,000 | 10,463 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $150,000 | 10,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,576 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $150,000 | 10,436 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $437,000 | 12,448 |
| Total interest expense | $193,000 | 12,353 |
| Net interest income | $244,000 | 12,468 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $4,000 | 12,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $183,000 | 12,529 |
| Salaries and employee benefits | $116,000 | 12,473 |
| Premises and equipment expense | $10,000 | 12,540 |
| Additional noninterest expense | $57,000 | 12,525 |
| Pre-tax net operating income | $65,000 | 11,830 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $16,000 | 11,243 |
| Income before extraordinary items | $49,000 | 11,811 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $49,000 | 11,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,867 |
| Cash dividends | $20,000 | 8,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $49,000 | 11,844 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $423,000 | 13,107 |
| Total interest expense | $211,000 | 12,959 |
| Net interest income | $212,000 | 13,119 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $8,000 | 13,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,880 |
| Total noninterest expense | $181,000 | 13,198 |
| Salaries and employee benefits | $114,000 | 13,141 |
| Premises and equipment expense | $13,000 | 13,180 |
| Additional noninterest expense | $54,000 | 13,197 |
| Pre-tax net operating income | $39,000 | 12,228 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $10,000 | 11,823 |
| Income before extraordinary items | $29,000 | 12,383 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $29,000 | 12,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 12,222 |
| Cash dividends | $20,000 | 8,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $29,000 | 12,239 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $551,000 | 13,658 |
| Total interest expense | $273,000 | 13,546 |
| Net interest income | $278,000 | 13,656 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $4,000 | 13,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,723 |
| Total noninterest expense | $194,000 | 13,805 |
| Salaries and employee benefits | $118,000 | 13,723 |
| Premises and equipment expense | $14,000 | 13,787 |
| Additional noninterest expense | $62,000 | 13,786 |
| Pre-tax net operating income | $88,000 | 12,136 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $21,000 | 12,079 |
| Income before extraordinary items | $67,000 | 12,381 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $67,000 | 12,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 12,482 |
| Cash dividends | $20,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $67,000 | 12,093 |
* 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.