Home > Old Second Bank-Kane County > Income and Expense
Old Second Bank-Kane County, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,955,000 | 1,806 |
| Total interest expense | $6,741,000 | 1,486 |
| Net interest income | $5,214,000 | 2,205 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,190,000 | 1,975 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $475,000 | 1,830 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $715,000 | 1,752 |
| Total noninterest expense | $4,213,000 | 2,180 |
| Salaries and employee benefits | $2,782,000 | 1,851 |
| Premises and equipment expense | $583,000 | 2,212 |
| Additional noninterest expense | $848,000 | 3,040 |
| Pre-tax net operating income | $2,191,000 | 2,001 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $638,000 | 1,766 |
| Income before extraordinary items | $1,553,000 | 2,159 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,553,000 | 2,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,196 |
| Cash dividends | $2,000,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,553,000 | 2,138 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,935,000 | 1,819 |
| Total interest expense | $3,361,000 | 1,475 |
| Net interest income | $2,574,000 | 2,230 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $597,000 | 1,955 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $227,000 | 1,854 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $370,000 | 1,690 |
| Total noninterest expense | $2,179,000 | 2,127 |
| Salaries and employee benefits | $1,459,000 | 1,776 |
| Premises and equipment expense | $302,000 | 2,168 |
| Additional noninterest expense | $418,000 | 3,054 |
| Pre-tax net operating income | $992,000 | 2,180 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $267,000 | 2,009 |
| Income before extraordinary items | $725,000 | 2,242 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $725,000 | 2,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,121 |
| Cash dividends | $2,000,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $725,000 | 2,223 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,261,000 | 1,738 |
| Total interest expense | $11,655,000 | 1,446 |
| Net interest income | $11,606,000 | 1,998 |
| Provision for loan and lease losses | $450,000 | 2,064 |
| Total noninterest income | $1,982,000 | 2,243 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $989,000 | 1,766 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $993,000 | 2,236 |
| Total noninterest expense | $8,153,000 | 2,172 |
| Salaries and employee benefits | $5,045,000 | 1,925 |
| Premises and equipment expense | $1,241,000 | 2,014 |
| Additional noninterest expense | $1,867,000 | 2,727 |
| Pre-tax net operating income | $4,985,000 | 1,887 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,459,000 | 1,701 |
| Income before extraordinary items | $3,526,000 | 2,007 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,526,000 | 2,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,135 |
| Cash dividends | $530,000 | 3,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,526,000 | 1,996 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,122,000 | 1,752 |
| Total interest expense | $8,200,000 | 1,492 |
| Net interest income | $8,922,000 | 1,974 |
| Provision for loan and lease losses | $450,000 | 1,514 |
| Total noninterest income | $1,545,000 | 2,185 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $738,000 | 1,781 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $807,000 | 2,114 |
| Total noninterest expense | $6,112,000 | 2,165 |
| Salaries and employee benefits | $3,784,000 | 1,923 |
| Premises and equipment expense | $922,000 | 2,048 |
| Additional noninterest expense | $1,406,000 | 2,707 |
| Pre-tax net operating income | $3,905,000 | 1,883 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,154,000 | 1,691 |
| Income before extraordinary items | $2,751,000 | 1,977 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,751,000 | 1,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 1,502 |
| Cash dividends | $280,000 | 3,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,751,000 | 1,964 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,188,000 | 1,761 |
| Total interest expense | $5,130,000 | 1,516 |
| Net interest income | $6,058,000 | 1,924 |
| Provision for loan and lease losses | $350,000 | 1,308 |
| Total noninterest income | $1,080,000 | 2,102 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $488,000 | 1,774 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $592,000 | 1,984 |
| Total noninterest expense | $3,986,000 | 2,210 |
| Salaries and employee benefits | $2,481,000 | 1,960 |
| Premises and equipment expense | $603,000 | 2,079 |
| Additional noninterest expense | $902,000 | 2,809 |
| Pre-tax net operating income | $2,802,000 | 1,771 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $861,000 | 1,569 |
| Income before extraordinary items | $1,941,000 | 1,881 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,941,000 | 1,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 1,083 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,941,000 | 1,861 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 1,767 |
| Total interest expense | $2,405,000 | 1,528 |
| Net interest income | $3,022,000 | 1,916 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $610,000 | 1,915 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $239,000 | 1,759 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $371,000 | 1,654 |
| Total noninterest expense | $1,983,000 | 2,238 |
| Salaries and employee benefits | $1,239,000 | 1,972 |
| Premises and equipment expense | $301,000 | 2,096 |
| Additional noninterest expense | $443,000 | 2,849 |
| Pre-tax net operating income | $1,599,000 | 1,534 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $510,000 | 1,378 |
| Income before extraordinary items | $1,089,000 | 1,646 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,089,000 | 1,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,195 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,089,000 | 1,630 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,558,000 | 1,718 |
| Total interest expense | $7,315,000 | 1,554 |
| Net interest income | $12,243,000 | 1,786 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,778,000 | 2,401 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $953,000 | 1,802 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $825,000 | 2,491 |
| Total noninterest expense | $7,550,000 | 2,219 |
| Salaries and employee benefits | $4,632,000 | 1,987 |
| Premises and equipment expense | $1,118,000 | 2,147 |
| Additional noninterest expense | $1,800,000 | 2,756 |
| Pre-tax net operating income | $6,471,000 | 1,479 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $2,103,000 | 1,303 |
| Income before extraordinary items | $4,365,000 | 1,610 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,365,000 | 1,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,399 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,367,010 | 1,587 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,234,000 | 1,725 |
| Total interest expense | $5,153,000 | 1,561 |
| Net interest income | $9,081,000 | 1,803 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,299,000 | 2,437 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $680,000 | 1,889 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $619,000 | 2,509 |
| Total noninterest expense | $5,653,000 | 2,190 |
| Salaries and employee benefits | $3,488,000 | 1,960 |
| Premises and equipment expense | $816,000 | 2,190 |
| Additional noninterest expense | $1,349,000 | 2,729 |
| Pre-tax net operating income | $4,727,000 | 1,517 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $1,531,000 | 1,362 |
| Income before extraordinary items | $3,193,000 | 1,646 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,193,000 | 1,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,413 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,195,040 | 1,608 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,168,000 | 1,738 |
| Total interest expense | $3,211,000 | 1,569 |
| Net interest income | $5,957,000 | 1,811 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $796,000 | 2,545 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $430,000 | 1,953 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $366,000 | 2,695 |
| Total noninterest expense | $3,828,000 | 2,137 |
| Salaries and employee benefits | $2,380,000 | 1,912 |
| Premises and equipment expense | $555,000 | 2,130 |
| Additional noninterest expense | $893,000 | 2,725 |
| Pre-tax net operating income | $2,925,000 | 1,594 |
| Securities gains (losses) | $-3,000 | 7,812 |
| Applicable income taxes | $935,000 | 1,436 |
| Income before extraordinary items | $1,987,000 | 1,725 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,987,000 | 1,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-65,000 | 8,547 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,989,040 | 1,696 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,439,000 | 1,756 |
| Total interest expense | $1,530,000 | 1,560 |
| Net interest income | $2,909,000 | 1,840 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $371,000 | 2,633 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $192,000 | 2,083 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $179,000 | 2,659 |
| Total noninterest expense | $1,874,000 | 2,201 |
| Salaries and employee benefits | $1,179,000 | 1,939 |
| Premises and equipment expense | $276,000 | 2,164 |
| Additional noninterest expense | $419,000 | 2,900 |
| Pre-tax net operating income | $1,406,000 | 1,610 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $447,000 | 1,475 |
| Income before extraordinary items | $959,000 | 1,757 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $959,000 | 1,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 8,667 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $959,000 | 1,724 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,737,000 | 1,823 |
| Total interest expense | $4,889,000 | 1,675 |
| Net interest income | $10,848,000 | 1,864 |
| Provision for loan and lease losses | $-975,000 | 8,930 |
| Total noninterest income | $1,564,000 | 2,612 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $805,000 | 2,128 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $759,000 | 2,583 |
| Total noninterest expense | $6,975,000 | 2,289 |
| Salaries and employee benefits | $4,059,000 | 2,133 |
| Premises and equipment expense | $961,000 | 2,376 |
| Additional noninterest expense | $1,955,000 | 2,473 |
| Pre-tax net operating income | $6,412,000 | 1,354 |
| Securities gains (losses) | $90,000 | 1,317 |
| Applicable income taxes | $2,264,000 | 1,137 |
| Income before extraordinary items | $4,238,000 | 1,522 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,238,000 | 1,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,520 |
| Cash dividends | $825,000 | 2,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,179,500 | 1,498 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,421,000 | 1,859 |
| Total interest expense | $3,435,000 | 1,747 |
| Net interest income | $7,986,000 | 1,891 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,143,000 | 2,658 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $582,000 | 2,214 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $561,000 | 2,618 |
| Total noninterest expense | $5,129,000 | 2,324 |
| Salaries and employee benefits | $3,016,000 | 2,162 |
| Premises and equipment expense | $692,000 | 2,446 |
| Additional noninterest expense | $1,421,000 | 2,504 |
| Pre-tax net operating income | $4,000,000 | 1,608 |
| Securities gains (losses) | $76,000 | 1,360 |
| Applicable income taxes | $1,392,000 | 1,375 |
| Income before extraordinary items | $2,684,000 | 1,790 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,684,000 | 1,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $595,000 | 2,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,633,840 | 1,774 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,412,000 | 1,888 |
| Total interest expense | $2,156,000 | 1,839 |
| Net interest income | $5,256,000 | 1,902 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $736,000 | 2,740 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $369,000 | 2,291 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $367,000 | 2,655 |
| Total noninterest expense | $3,266,000 | 2,432 |
| Salaries and employee benefits | $1,944,000 | 2,224 |
| Premises and equipment expense | $457,000 | 2,465 |
| Additional noninterest expense | $865,000 | 2,722 |
| Pre-tax net operating income | $2,726,000 | 1,550 |
| Securities gains (losses) | $60,000 | 1,343 |
| Applicable income taxes | $961,000 | 1,321 |
| Income before extraordinary items | $1,825,000 | 1,742 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,825,000 | 1,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $375,000 | 2,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,785,400 | 1,721 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,664,000 | 1,915 |
| Total interest expense | $1,054,000 | 1,896 |
| Net interest income | $2,610,000 | 1,910 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $334,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $174,000 | 2,349 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $160,000 | 2,829 |
| Total noninterest expense | $1,612,000 | 2,478 |
| Salaries and employee benefits | $962,000 | 2,272 |
| Premises and equipment expense | $229,000 | 2,484 |
| Additional noninterest expense | $421,000 | 2,771 |
| Pre-tax net operating income | $1,332,000 | 1,549 |
| Securities gains (losses) | $61,000 | 1,087 |
| Applicable income taxes | $486,000 | 1,323 |
| Income before extraordinary items | $907,000 | 1,731 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $907,000 | 1,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,206 |
| Cash dividends | $200,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $867,350 | 1,725 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,429,000 | 2,119 |
| Total interest expense | $4,223,000 | 2,108 |
| Net interest income | $9,206,000 | 2,119 |
| Provision for loan and lease losses | $600,000 | 1,837 |
| Total noninterest income | $1,539,000 | 2,794 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $713,000 | 2,320 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $826,000 | 2,683 |
| Total noninterest expense | $6,068,000 | 2,572 |
| Salaries and employee benefits | $3,544,000 | 2,381 |
| Premises and equipment expense | $793,000 | 2,780 |
| Additional noninterest expense | $1,731,000 | 2,714 |
| Pre-tax net operating income | $4,077,000 | 1,948 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,391,000 | 1,733 |
| Income before extraordinary items | $2,686,000 | 2,241 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,686,000 | 2,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,928 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,686,000 | 2,142 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,886,000 | 2,197 |
| Total interest expense | $3,173,000 | 2,185 |
| Net interest income | $6,713,000 | 2,178 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $1,197,000 | 2,783 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $523,000 | 2,375 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $674,000 | 2,630 |
| Total noninterest expense | $4,562,000 | 2,581 |
| Salaries and employee benefits | $2,676,000 | 2,374 |
| Premises and equipment expense | $576,000 | 2,868 |
| Additional noninterest expense | $1,310,000 | 2,686 |
| Pre-tax net operating income | $2,898,000 | 2,098 |
| Securities gains (losses) | $-1,000 | 8,731 |
| Applicable income taxes | $988,000 | 1,874 |
| Income before extraordinary items | $1,909,000 | 2,429 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,909,000 | 2,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,265 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,909,660 | 2,314 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,557,000 | 2,227 |
| Total interest expense | $2,167,000 | 2,202 |
| Net interest income | $4,390,000 | 2,218 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $700,000 | 3,015 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $338,000 | 2,413 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $362,000 | 2,957 |
| Total noninterest expense | $2,891,000 | 2,687 |
| Salaries and employee benefits | $1,740,000 | 2,419 |
| Premises and equipment expense | $395,000 | 2,800 |
| Additional noninterest expense | $756,000 | 3,013 |
| Pre-tax net operating income | $1,899,000 | 2,138 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $642,000 | 1,952 |
| Income before extraordinary items | $1,257,000 | 2,467 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,257,000 | 2,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,423 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,257,000 | 2,332 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,246,000 | 2,269 |
| Total interest expense | $1,101,000 | 2,218 |
| Net interest income | $2,145,000 | 2,267 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $362,000 | 2,847 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $172,000 | 2,313 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $189,000 | 2,816 |
| Total noninterest expense | $1,393,000 | 2,765 |
| Salaries and employee benefits | $855,000 | 2,464 |
| Premises and equipment expense | $189,000 | 2,896 |
| Additional noninterest expense | $349,000 | 3,200 |
| Pre-tax net operating income | $964,000 | 2,109 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $327,000 | 1,931 |
| Income before extraordinary items | $637,000 | 2,395 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $637,000 | 2,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $637,000 | 2,269 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,974,000 | 2,372 |
| Total interest expense | $5,047,000 | 2,225 |
| Net interest income | $7,927,000 | 2,421 |
| Provision for loan and lease losses | $550,000 | 2,218 |
| Total noninterest income | $1,237,000 | 3,004 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $656,000 | 2,382 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $581,000 | 3,024 |
| Total noninterest expense | $5,054,000 | 2,894 |
| Salaries and employee benefits | $2,942,000 | 2,677 |
| Premises and equipment expense | $728,000 | 2,904 |
| Additional noninterest expense | $1,384,000 | 3,168 |
| Pre-tax net operating income | $3,560,000 | 2,178 |
| Securities gains (losses) | $35,000 | 2,707 |
| Applicable income taxes | $1,197,000 | 1,949 |
| Income before extraordinary items | $2,398,000 | 2,429 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,398,000 | 2,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,513 |
| Cash dividends | $1,227,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,374,550 | 2,371 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,083,000 | 2,608 |
| Total interest expense | $5,844,000 | 2,739 |
| Net interest income | $7,239,000 | 2,473 |
| Provision for loan and lease losses | $440,000 | 2,434 |
| Total noninterest income | $961,000 | 3,443 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $561,000 | 2,585 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $400,000 | 3,532 |
| Total noninterest expense | $4,948,000 | 2,847 |
| Salaries and employee benefits | $2,528,000 | 2,922 |
| Premises and equipment expense | $768,000 | 2,739 |
| Additional noninterest expense | $1,652,000 | 2,644 |
| Pre-tax net operating income | $2,812,000 | 2,412 |
| Securities gains (losses) | $44,000 | 2,476 |
| Applicable income taxes | $932,000 | 2,175 |
| Income before extraordinary items | $1,924,000 | 2,623 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,924,000 | 2,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,192 |
| Cash dividends | $785,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,894,520 | 2,580 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,024,000 | 2,894 |
| Total interest expense | $5,827,000 | 2,860 |
| Net interest income | $6,197,000 | 2,857 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $598,000 | 4,414 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $383,000 | 3,361 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $215,000 | 4,635 |
| Total noninterest expense | $4,418,000 | 3,046 |
| Salaries and employee benefits | $2,122,000 | 3,294 |
| Premises and equipment expense | $721,000 | 2,809 |
| Additional noninterest expense | $1,575,000 | 2,685 |
| Pre-tax net operating income | $2,357,000 | 2,916 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $730,000 | 2,694 |
| Income before extraordinary items | $1,627,000 | 3,037 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,627,000 | 3,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-156,000 | 9,803 |
| Cash dividends | $674,000 | 2,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,627,000 | 3,032 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,862,000 | 5,668 |
| Total interest expense | $2,051,000 | 5,914 |
| Net interest income | $2,811,000 | 5,420 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $541,000 | 4,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 5,778 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,508 |
| Total noninterest expense | $2,337,000 | 5,106 |
| Salaries and employee benefits | $940,000 | 6,146 |
| Premises and equipment expense | $402,000 | 4,517 |
| Additional noninterest expense | $995,000 | 4,041 |
| Pre-tax net operating income | $1,015,000 | 5,267 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $442,000 | 3,900 |
| Income before extraordinary items | $573,000 | 6,031 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $573,000 | 6,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 9,615 |
| Cash dividends | $360,000 | 4,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $573,000 | 6,003 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,875,000 | 5,782 |
| Total interest expense | $2,126,000 | 5,964 |
| Net interest income | $2,749,000 | 5,483 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $242,000 | 7,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 6,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,381 |
| Total noninterest expense | $2,228,000 | 5,168 |
| Salaries and employee benefits | $872,000 | 6,346 |
| Premises and equipment expense | $458,000 | 3,944 |
| Additional noninterest expense | $898,000 | 4,298 |
| Pre-tax net operating income | $763,000 | 6,245 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $333,000 | 4,901 |
| Income before extraordinary items | $430,000 | 7,039 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $430,000 | 7,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $295,000 | 4,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $430,000 | 6,939 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,515,000 | 6,215 |
| Total interest expense | $1,944,000 | 6,375 |
| Net interest income | $2,571,000 | 5,941 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $339,000 | 6,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 6,493 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $206,000 | 4,882 |
| Total noninterest expense | $1,987,000 | 5,683 |
| Salaries and employee benefits | $802,000 | 6,767 |
| Premises and equipment expense | $307,000 | 5,388 |
| Additional noninterest expense | $878,000 | 4,403 |
| Pre-tax net operating income | $923,000 | 6,072 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $375,000 | 5,087 |
| Income before extraordinary items | $548,000 | 6,681 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $548,000 | 6,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $340,000 | 4,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $548,000 | 6,621 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,305,000 | 6,578 |
| Total interest expense | $1,735,000 | 6,993 |
| Net interest income | $2,570,000 | 6,077 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $277,000 | 7,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,245 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,735 |
| Total noninterest expense | $1,948,000 | 6,041 |
| Salaries and employee benefits | $746,000 | 7,273 |
| Premises and equipment expense | $295,000 | 5,657 |
| Additional noninterest expense | $907,000 | 4,723 |
| Pre-tax net operating income | $899,000 | 6,087 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $376,000 | 5,092 |
| Income before extraordinary items | $523,000 | 6,742 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $523,000 | 6,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 11,170 |
| Cash dividends | $330,000 | 4,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $523,000 | 6,688 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,168,000 | 6,827 |
| Total interest expense | $1,755,000 | 7,004 |
| Net interest income | $2,413,000 | 6,458 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $356,000 | 6,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,661 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $206,000 | 5,048 |
| Total noninterest expense | $2,115,000 | 5,748 |
| Salaries and employee benefits | $861,000 | 6,753 |
| Premises and equipment expense | $278,000 | 5,953 |
| Additional noninterest expense | $976,000 | 4,447 |
| Pre-tax net operating income | $654,000 | 7,569 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $307,000 | 5,919 |
| Income before extraordinary items | $347,000 | 8,506 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $347,000 | 8,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $279,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $347,000 | 8,484 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,668,000 | 7,113 |
| Total interest expense | $1,284,000 | 7,605 |
| Net interest income | $2,384,000 | 6,688 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $515,000 | 5,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $355,000 | 3,679 |
| Total noninterest expense | $2,271,000 | 5,586 |
| Salaries and employee benefits | $890,000 | 6,706 |
| Premises and equipment expense | $271,000 | 6,158 |
| Additional noninterest expense | $1,110,000 | 4,330 |
| Pre-tax net operating income | $623,000 | 7,875 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $318,000 | 5,654 |
| Income before extraordinary items | $305,000 | 9,089 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $305,000 | 9,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-319,000 | 12,484 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $305,000 | 9,163 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,572,000 | 7,432 |
| Total interest expense | $1,228,000 | 8,150 |
| Net interest income | $2,344,000 | 6,830 |
| Provision for loan and lease losses | $864,000 | 1,443 |
| Total noninterest income | $536,000 | 5,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $393,000 | 3,792 |
| Total noninterest expense | $2,277,000 | 5,708 |
| Salaries and employee benefits | $1,050,000 | 5,876 |
| Premises and equipment expense | $310,000 | 5,690 |
| Additional noninterest expense | $917,000 | 5,285 |
| Pre-tax net operating income | $-261,000 | 12,739 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $-262,000 | 12,802 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-262,000 | 12,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $826,000 | 1,297 |
| Cash dividends | $214,000 | 5,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-262,000 | 12,725 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,176,000 | 8,678 |
| Total interest expense | $1,219,000 | 9,533 |
| Net interest income | $1,957,000 | 7,880 |
| Provision for loan and lease losses | $105,000 | 7,133 |
| Total noninterest income | $316,000 | 7,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 8,161 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 5,612 |
| Total noninterest expense | $1,781,000 | 7,004 |
| Salaries and employee benefits | $738,000 | 7,702 |
| Premises and equipment expense | $242,000 | 6,944 |
| Additional noninterest expense | $801,000 | 6,066 |
| Pre-tax net operating income | $387,000 | 9,361 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $234,000 | 6,932 |
| Income before extraordinary items | $154,000 | 11,216 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $154,000 | 11,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 3,693 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $153,360 | 10,891 |
* 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.