Home > Ozaukee Bank > Income and Expense
Ozaukee Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,294,000 | 1,643 |
| Total interest expense | $5,024,000 | 1,759 |
| Net interest income | $7,270,000 | 1,541 |
| Provision for loan and lease losses | $200,000 | 3,141 |
| Total noninterest income | $2,222,000 | 1,217 |
| Gross Fiduciary activities income | $31,000 | 962 |
| Service charges on deposit accounts | $557,000 | 1,581 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,634,000 | 978 |
| Total noninterest expense | $5,908,000 | 1,645 |
| Salaries and employee benefits | $2,585,000 | 2,011 |
| Premises and equipment expense | $441,000 | 2,952 |
| Additional noninterest expense | $2,882,000 | 1,039 |
| Pre-tax net operating income | $3,384,000 | 1,058 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,007,000 | 933 |
| Income before extraordinary items | $2,377,000 | 1,163 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,377,000 | 1,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,229 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $132,822,000 | 5 |
| Net operating income | $2,377,000 | 1,142 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,362,000 | 2,908 |
| Total interest expense | $1,451,000 | 2,970 |
| Net interest income | $1,911,000 | 2,819 |
| Provision for loan and lease losses | $50,000 | 3,776 |
| Total noninterest income | $841,000 | 1,512 |
| Gross Fiduciary activities income | $8,000 | 1,052 |
| Service charges on deposit accounts | $122,000 | 3,018 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $711,000 | 1,104 |
| Total noninterest expense | $1,589,000 | 2,902 |
| Salaries and employee benefits | $704,000 | 3,529 |
| Premises and equipment expense | $108,000 | 4,941 |
| Additional noninterest expense | $777,000 | 1,812 |
| Pre-tax net operating income | $1,113,000 | 1,621 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $497,000 | 1,012 |
| Income before extraordinary items | $616,000 | 2,263 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $616,000 | 2,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $132,821,000 | 2 |
| Net operating income | $616,000 | 2,190 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $44,756,000 | 937 |
| Total interest expense | $21,335,000 | 931 |
| Net interest income | $23,421,000 | 939 |
| Provision for loan and lease losses | $277,000 | 3,334 |
| Total noninterest income | $5,750,000 | 982 |
| Gross Fiduciary activities income | $95,000 | 928 |
| Service charges on deposit accounts | $1,745,000 | 1,024 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,910,000 | 837 |
| Total noninterest expense | $16,936,000 | 1,107 |
| Salaries and employee benefits | $10,571,000 | 943 |
| Premises and equipment expense | $1,425,000 | 1,842 |
| Additional noninterest expense | $4,940,000 | 1,149 |
| Pre-tax net operating income | $11,958,000 | 719 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,859,000 | 655 |
| Income before extraordinary items | $8,099,000 | 805 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,099,000 | 803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,397 |
| Cash dividends | $3,915,000 | 943 |
| Sale, conversion, retirement of capital stock, net | $195,000 | 763 |
| Net operating income | $8,099,000 | 797 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $33,386,000 | 943 |
| Total interest expense | $16,016,000 | 921 |
| Net interest income | $17,370,000 | 958 |
| Provision for loan and lease losses | $405,000 | 1,836 |
| Total noninterest income | $4,357,000 | 974 |
| Gross Fiduciary activities income | $63,000 | 938 |
| Service charges on deposit accounts | $1,265,000 | 1,042 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,029,000 | 820 |
| Total noninterest expense | $12,144,000 | 1,151 |
| Salaries and employee benefits | $7,805,000 | 959 |
| Premises and equipment expense | $1,118,000 | 1,760 |
| Additional noninterest expense | $3,221,000 | 1,269 |
| Pre-tax net operating income | $9,178,000 | 750 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,752,000 | 747 |
| Income before extraordinary items | $6,426,000 | 815 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,426,000 | 813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,063 |
| Cash dividends | $3,915,000 | 694 |
| Sale, conversion, retirement of capital stock, net | $215,000 | 573 |
| Net operating income | $6,426,000 | 804 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $22,376,000 | 954 |
| Total interest expense | $10,564,000 | 943 |
| Net interest income | $11,812,000 | 953 |
| Provision for loan and lease losses | $270,000 | 1,691 |
| Total noninterest income | $2,818,000 | 1,013 |
| Gross Fiduciary activities income | $47,000 | 942 |
| Service charges on deposit accounts | $802,000 | 1,099 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,969,000 | 867 |
| Total noninterest expense | $8,044,000 | 1,172 |
| Salaries and employee benefits | $5,207,000 | 967 |
| Premises and equipment expense | $734,000 | 1,798 |
| Additional noninterest expense | $2,103,000 | 1,312 |
| Pre-tax net operating income | $6,316,000 | 767 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,913,000 | 755 |
| Income before extraordinary items | $4,403,000 | 832 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,403,000 | 831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,409 |
| Cash dividends | $2,935,000 | 666 |
| Sale, conversion, retirement of capital stock, net | $216,000 | 435 |
| Net operating income | $4,403,000 | 819 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,370,000 | 925 |
| Total interest expense | $5,220,000 | 943 |
| Net interest income | $6,150,000 | 908 |
| Provision for loan and lease losses | $135,000 | 1,618 |
| Total noninterest income | $1,405,000 | 1,001 |
| Gross Fiduciary activities income | $22,000 | 957 |
| Service charges on deposit accounts | $395,000 | 1,090 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $988,000 | 852 |
| Total noninterest expense | $3,940,000 | 1,191 |
| Salaries and employee benefits | $2,580,000 | 985 |
| Premises and equipment expense | $372,000 | 1,794 |
| Additional noninterest expense | $988,000 | 1,348 |
| Pre-tax net operating income | $3,480,000 | 705 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,087,000 | 680 |
| Income before extraordinary items | $2,393,000 | 755 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,393,000 | 754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $1,956,000 | 480 |
| Sale, conversion, retirement of capital stock, net | $106,000 | 337 |
| Net operating income | $2,393,000 | 746 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $41,637,000 | 936 |
| Total interest expense | $18,426,000 | 904 |
| Net interest income | $23,211,000 | 956 |
| Provision for loan and lease losses | $420,000 | 2,183 |
| Total noninterest income | $5,617,000 | 998 |
| Gross Fiduciary activities income | $176,000 | 831 |
| Service charges on deposit accounts | $1,573,000 | 1,125 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,868,000 | 835 |
| Total noninterest expense | $16,205,000 | 1,115 |
| Salaries and employee benefits | $10,269,000 | 936 |
| Premises and equipment expense | $1,538,000 | 1,655 |
| Additional noninterest expense | $4,398,000 | 1,213 |
| Pre-tax net operating income | $12,203,000 | 816 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,866,000 | 777 |
| Income before extraordinary items | $8,337,000 | 909 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,337,000 | 909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,622 |
| Cash dividends | $5,292,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $372,000 | 649 |
| Net operating income | $8,337,000 | 896 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $30,893,000 | 952 |
| Total interest expense | $13,459,000 | 910 |
| Net interest income | $17,434,000 | 971 |
| Provision for loan and lease losses | $315,000 | 2,065 |
| Total noninterest income | $4,273,000 | 994 |
| Gross Fiduciary activities income | $150,000 | 792 |
| Service charges on deposit accounts | $1,159,000 | 1,157 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,964,000 | 824 |
| Total noninterest expense | $12,036,000 | 1,135 |
| Salaries and employee benefits | $7,738,000 | 941 |
| Premises and equipment expense | $1,142,000 | 1,680 |
| Additional noninterest expense | $3,156,000 | 1,271 |
| Pre-tax net operating income | $9,356,000 | 830 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,998,000 | 789 |
| Income before extraordinary items | $6,358,000 | 915 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,358,000 | 914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 2,520 |
| Cash dividends | $5,292,000 | 497 |
| Sale, conversion, retirement of capital stock, net | $190,000 | 603 |
| Net operating income | $6,358,000 | 904 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $20,063,000 | 947 |
| Total interest expense | $8,584,000 | 897 |
| Net interest income | $11,479,000 | 982 |
| Provision for loan and lease losses | $210,000 | 2,022 |
| Total noninterest income | $2,855,000 | 984 |
| Gross Fiduciary activities income | $48,000 | 952 |
| Service charges on deposit accounts | $766,000 | 1,155 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,041,000 | 801 |
| Total noninterest expense | $7,979,000 | 1,147 |
| Salaries and employee benefits | $5,167,000 | 943 |
| Premises and equipment expense | $798,000 | 1,618 |
| Additional noninterest expense | $2,014,000 | 1,325 |
| Pre-tax net operating income | $6,145,000 | 841 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,975,000 | 804 |
| Income before extraordinary items | $4,170,000 | 931 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,170,000 | 932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,236 |
| Cash dividends | $2,417,000 | 701 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 551 |
| Net operating income | $4,170,000 | 910 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,784,000 | 954 |
| Total interest expense | $4,138,000 | 884 |
| Net interest income | $5,646,000 | 1,000 |
| Provision for loan and lease losses | $105,000 | 1,911 |
| Total noninterest income | $1,463,000 | 958 |
| Gross Fiduciary activities income | $24,000 | 958 |
| Service charges on deposit accounts | $384,000 | 1,128 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,055,000 | 774 |
| Total noninterest expense | $3,944,000 | 1,154 |
| Salaries and employee benefits | $2,571,000 | 951 |
| Premises and equipment expense | $385,000 | 1,671 |
| Additional noninterest expense | $988,000 | 1,333 |
| Pre-tax net operating income | $3,060,000 | 833 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $987,000 | 796 |
| Income before extraordinary items | $2,073,000 | 913 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,073,000 | 912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $1,611,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 355 |
| Net operating income | $2,073,000 | 893 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $34,031,000 | 966 |
| Total interest expense | $11,757,000 | 949 |
| Net interest income | $22,274,000 | 958 |
| Provision for loan and lease losses | $420,000 | 2,180 |
| Total noninterest income | $5,711,000 | 979 |
| Gross Fiduciary activities income | $88,000 | 965 |
| Service charges on deposit accounts | $1,539,000 | 1,158 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,084,000 | 783 |
| Total noninterest expense | $16,050,000 | 1,061 |
| Salaries and employee benefits | $10,146,000 | 893 |
| Premises and equipment expense | $1,542,000 | 1,581 |
| Additional noninterest expense | $4,362,000 | 1,180 |
| Pre-tax net operating income | $11,515,000 | 856 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,734,000 | 816 |
| Income before extraordinary items | $7,781,000 | 924 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,781,000 | 924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,973 |
| Cash dividends | $3,041,000 | 1,006 |
| Sale, conversion, retirement of capital stock, net | $418,000 | 556 |
| Net operating income | $7,781,000 | 910 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $24,649,000 | 971 |
| Total interest expense | $8,208,000 | 964 |
| Net interest income | $16,441,000 | 965 |
| Provision for loan and lease losses | $300,000 | 2,192 |
| Total noninterest income | $4,349,000 | 972 |
| Gross Fiduciary activities income | $66,000 | 957 |
| Service charges on deposit accounts | $1,134,000 | 1,168 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,149,000 | 779 |
| Total noninterest expense | $11,700,000 | 1,079 |
| Salaries and employee benefits | $7,674,000 | 875 |
| Premises and equipment expense | $1,135,000 | 1,596 |
| Additional noninterest expense | $2,891,000 | 1,316 |
| Pre-tax net operating income | $8,790,000 | 841 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,863,000 | 808 |
| Income before extraordinary items | $5,927,000 | 908 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,927,000 | 910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,216 |
| Cash dividends | $3,041,000 | 727 |
| Sale, conversion, retirement of capital stock, net | $257,000 | 467 |
| Net operating income | $5,927,000 | 891 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $15,873,000 | 980 |
| Total interest expense | $5,080,000 | 964 |
| Net interest income | $10,793,000 | 966 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $2,802,000 | 984 |
| Gross Fiduciary activities income | $43,000 | 956 |
| Service charges on deposit accounts | $729,000 | 1,174 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,030,000 | 796 |
| Total noninterest expense | $7,769,000 | 1,076 |
| Salaries and employee benefits | $5,127,000 | 869 |
| Premises and equipment expense | $775,000 | 1,551 |
| Additional noninterest expense | $1,867,000 | 1,336 |
| Pre-tax net operating income | $5,586,000 | 861 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,809,000 | 831 |
| Income before extraordinary items | $3,777,000 | 925 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,777,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,666 |
| Cash dividends | $2,280,000 | 636 |
| Sale, conversion, retirement of capital stock, net | $255,000 | 350 |
| Net operating income | $3,777,000 | 904 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,667,000 | 996 |
| Total interest expense | $2,310,000 | 1,011 |
| Net interest income | $5,357,000 | 964 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $1,411,000 | 950 |
| Gross Fiduciary activities income | $21,000 | 974 |
| Service charges on deposit accounts | $371,000 | 1,122 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,019,000 | 776 |
| Total noninterest expense | $3,872,000 | 1,075 |
| Salaries and employee benefits | $2,611,000 | 851 |
| Premises and equipment expense | $405,000 | 1,494 |
| Additional noninterest expense | $856,000 | 1,460 |
| Pre-tax net operating income | $2,776,000 | 847 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $897,000 | 829 |
| Income before extraordinary items | $1,879,000 | 921 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,879,000 | 921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,325 |
| Cash dividends | $1,519,000 | 460 |
| Sale, conversion, retirement of capital stock, net | $242,000 | 204 |
| Net operating income | $1,879,000 | 901 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $27,476,000 | 1,024 |
| Total interest expense | $6,799,000 | 1,205 |
| Net interest income | $20,677,000 | 956 |
| Provision for loan and lease losses | $532,000 | 1,867 |
| Total noninterest income | $5,869,000 | 936 |
| Gross Fiduciary activities income | $76,000 | 991 |
| Service charges on deposit accounts | $1,541,000 | 1,164 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,252,000 | 753 |
| Total noninterest expense | $16,333,000 | 1,001 |
| Salaries and employee benefits | $10,162,000 | 844 |
| Premises and equipment expense | $1,630,000 | 1,409 |
| Additional noninterest expense | $4,541,000 | 1,085 |
| Pre-tax net operating income | $9,681,000 | 907 |
| Securities gains (losses) | $178,000 | 891 |
| Applicable income taxes | $2,774,000 | 958 |
| Income before extraordinary items | $7,085,000 | 928 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,085,000 | 929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,118 |
| Cash dividends | $2,861,000 | 1,011 |
| Sale, conversion, retirement of capital stock, net | $215,000 | 567 |
| Net operating income | $6,956,840 | 904 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $20,161,000 | 1,036 |
| Total interest expense | $4,838,000 | 1,244 |
| Net interest income | $15,323,000 | 961 |
| Provision for loan and lease losses | $319,000 | 2,150 |
| Total noninterest income | $4,407,000 | 946 |
| Gross Fiduciary activities income | $55,000 | 997 |
| Service charges on deposit accounts | $1,177,000 | 1,135 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,175,000 | 762 |
| Total noninterest expense | $11,612,000 | 1,044 |
| Salaries and employee benefits | $7,390,000 | 869 |
| Premises and equipment expense | $1,078,000 | 1,617 |
| Additional noninterest expense | $3,144,000 | 1,162 |
| Pre-tax net operating income | $7,799,000 | 855 |
| Securities gains (losses) | $178,000 | 823 |
| Applicable income taxes | $2,532,000 | 845 |
| Income before extraordinary items | $5,445,000 | 911 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,445,000 | 912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,478 |
| Cash dividends | $2,861,000 | 730 |
| Sale, conversion, retirement of capital stock, net | $186,000 | 452 |
| Net operating income | $5,323,960 | 902 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $13,244,000 | 1,040 |
| Total interest expense | $3,129,000 | 1,260 |
| Net interest income | $10,115,000 | 965 |
| Provision for loan and lease losses | $152,000 | 2,676 |
| Total noninterest income | $3,015,000 | 925 |
| Gross Fiduciary activities income | $37,000 | 1,006 |
| Service charges on deposit accounts | $796,000 | 1,112 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,182,000 | 743 |
| Total noninterest expense | $7,552,000 | 1,062 |
| Salaries and employee benefits | $4,937,000 | 867 |
| Premises and equipment expense | $707,000 | 1,633 |
| Additional noninterest expense | $1,908,000 | 1,279 |
| Pre-tax net operating income | $5,426,000 | 809 |
| Securities gains (losses) | $178,000 | 704 |
| Applicable income taxes | $1,802,000 | 785 |
| Income before extraordinary items | $3,802,000 | 859 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,802,000 | 859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,446 |
| Cash dividends | $2,145,000 | 661 |
| Sale, conversion, retirement of capital stock, net | $162,000 | 358 |
| Net operating income | $3,680,960 | 850 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,543,000 | 1,058 |
| Total interest expense | $1,566,000 | 1,272 |
| Net interest income | $4,977,000 | 988 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $1,474,000 | 925 |
| Gross Fiduciary activities income | $19,000 | 1,006 |
| Service charges on deposit accounts | $424,000 | 1,009 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,031,000 | 771 |
| Total noninterest expense | $3,778,000 | 1,077 |
| Salaries and employee benefits | $2,539,000 | 864 |
| Premises and equipment expense | $366,000 | 1,609 |
| Additional noninterest expense | $873,000 | 1,386 |
| Pre-tax net operating income | $2,658,000 | 821 |
| Securities gains (losses) | $178,000 | 552 |
| Applicable income taxes | $911,000 | 788 |
| Income before extraordinary items | $1,925,000 | 853 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,925,000 | 853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $1,429,000 | 493 |
| Sale, conversion, retirement of capital stock, net | $173,000 | 212 |
| Net operating income | $1,803,960 | 855 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $26,786,000 | 1,056 |
| Total interest expense | $6,643,000 | 1,333 |
| Net interest income | $20,143,000 | 951 |
| Provision for loan and lease losses | $125,000 | 4,861 |
| Total noninterest income | $9,760,000 | 664 |
| Gross Fiduciary activities income | $39,000 | 1,125 |
| Service charges on deposit accounts | $1,395,000 | 1,245 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,326,000 | 512 |
| Total noninterest expense | $16,077,000 | 1,019 |
| Salaries and employee benefits | $9,659,000 | 880 |
| Premises and equipment expense | $1,627,000 | 1,399 |
| Additional noninterest expense | $4,791,000 | 1,062 |
| Pre-tax net operating income | $13,701,000 | 647 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $4,911,000 | 627 |
| Income before extraordinary items | $8,790,000 | 747 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,790,000 | 749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 2,273 |
| Cash dividends | $5,710,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $991,000 | 431 |
| Net operating income | $8,790,000 | 693 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $19,961,000 | 1,080 |
| Total interest expense | $5,028,000 | 1,387 |
| Net interest income | $14,933,000 | 974 |
| Provision for loan and lease losses | $220,000 | 3,174 |
| Total noninterest income | $8,311,000 | 635 |
| Gross Fiduciary activities income | $30,000 | 1,110 |
| Service charges on deposit accounts | $1,004,000 | 1,305 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,277,000 | 489 |
| Total noninterest expense | $11,171,000 | 1,093 |
| Salaries and employee benefits | $7,168,000 | 902 |
| Premises and equipment expense | $1,079,000 | 1,588 |
| Additional noninterest expense | $2,924,000 | 1,278 |
| Pre-tax net operating income | $11,853,000 | 587 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $4,053,000 | 604 |
| Income before extraordinary items | $7,800,000 | 659 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,800,000 | 660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,750 |
| Cash dividends | $2,666,000 | 804 |
| Sale, conversion, retirement of capital stock, net | $790,000 | 335 |
| Net operating income | $7,800,000 | 612 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,351,000 | 1,090 |
| Total interest expense | $3,383,000 | 1,425 |
| Net interest income | $9,968,000 | 976 |
| Provision for loan and lease losses | $46,000 | 5,260 |
| Total noninterest income | $5,378,000 | 638 |
| Gross Fiduciary activities income | $20,000 | 1,115 |
| Service charges on deposit accounts | $633,000 | 1,352 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,725,000 | 489 |
| Total noninterest expense | $7,207,000 | 1,134 |
| Salaries and employee benefits | $4,654,000 | 927 |
| Premises and equipment expense | $685,000 | 1,666 |
| Additional noninterest expense | $1,868,000 | 1,321 |
| Pre-tax net operating income | $8,093,000 | 575 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,773,000 | 581 |
| Income before extraordinary items | $5,320,000 | 651 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,320,000 | 651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $1,997,000 | 768 |
| Sale, conversion, retirement of capital stock, net | $802,000 | 228 |
| Net operating income | $5,320,000 | 602 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,634,000 | 1,109 |
| Total interest expense | $1,653,000 | 1,502 |
| Net interest income | $4,981,000 | 974 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $2,661,000 | 640 |
| Gross Fiduciary activities income | $10,000 | 1,125 |
| Service charges on deposit accounts | $328,000 | 1,284 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,323,000 | 493 |
| Total noninterest expense | $3,404,000 | 1,179 |
| Salaries and employee benefits | $2,257,000 | 956 |
| Premises and equipment expense | $335,000 | 1,702 |
| Additional noninterest expense | $812,000 | 1,470 |
| Pre-tax net operating income | $4,238,000 | 559 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,483,000 | 570 |
| Income before extraordinary items | $2,755,000 | 630 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,755,000 | 628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $1,327,000 | 535 |
| Sale, conversion, retirement of capital stock, net | $333,000 | 166 |
| Net operating income | $2,755,000 | 585 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $28,050,000 | 1,100 |
| Total interest expense | $8,757,000 | 1,279 |
| Net interest income | $19,293,000 | 1,005 |
| Provision for loan and lease losses | $1,950,000 | 752 |
| Total noninterest income | $6,181,000 | 878 |
| Gross Fiduciary activities income | $41,000 | 1,154 |
| Service charges on deposit accounts | $1,162,000 | 1,398 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,978,000 | 692 |
| Total noninterest expense | $13,536,000 | 1,134 |
| Salaries and employee benefits | $8,249,000 | 981 |
| Premises and equipment expense | $1,250,000 | 1,763 |
| Additional noninterest expense | $4,037,000 | 1,206 |
| Pre-tax net operating income | $9,988,000 | 874 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,968,000 | 932 |
| Income before extraordinary items | $7,020,000 | 894 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,020,000 | 892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,760 |
| Cash dividends | $4,383,000 | 694 |
| Sale, conversion, retirement of capital stock, net | $239,000 | 558 |
| Net operating income | $7,020,000 | 862 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,652,000 | 1,144 |
| Total interest expense | $13,694,000 | 1,178 |
| Net interest income | $15,958,000 | 1,115 |
| Provision for loan and lease losses | $1,633,000 | 839 |
| Total noninterest income | $4,744,000 | 1,039 |
| Gross Fiduciary activities income | $40,000 | 1,177 |
| Service charges on deposit accounts | $1,016,000 | 1,455 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,688,000 | 822 |
| Total noninterest expense | $11,235,000 | 1,292 |
| Salaries and employee benefits | $6,971,000 | 1,067 |
| Premises and equipment expense | $1,151,000 | 1,864 |
| Additional noninterest expense | $3,113,000 | 1,497 |
| Pre-tax net operating income | $7,834,000 | 963 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,019,000 | 1,166 |
| Income before extraordinary items | $5,815,000 | 946 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,815,000 | 947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,483 |
| Cash dividends | $2,197,000 | 1,231 |
| Sale, conversion, retirement of capital stock, net | $642,000 | 468 |
| Net operating income | $5,815,000 | 904 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $28,235,000 | 1,252 |
| Total interest expense | $14,643,000 | 1,185 |
| Net interest income | $13,592,000 | 1,289 |
| Provision for loan and lease losses | $254,000 | 3,202 |
| Total noninterest income | $2,470,000 | 1,604 |
| Gross Fiduciary activities income | $30,000 | 1,111 |
| Service charges on deposit accounts | $979,000 | 1,391 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,461,000 | 1,409 |
| Total noninterest expense | $8,868,000 | 1,587 |
| Salaries and employee benefits | $5,602,000 | 1,259 |
| Premises and equipment expense | $879,000 | 2,354 |
| Additional noninterest expense | $2,387,000 | 1,849 |
| Pre-tax net operating income | $6,940,000 | 1,094 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,628,000 | 1,403 |
| Income before extraordinary items | $5,312,000 | 1,010 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,312,000 | 1,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,089 |
| Cash dividends | $5,331,000 | 594 |
| Sale, conversion, retirement of capital stock, net | $408,000 | 566 |
| Net operating income | $5,312,000 | 1,006 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $23,355,000 | 1,398 |
| Total interest expense | $10,984,000 | 1,364 |
| Net interest income | $12,371,000 | 1,407 |
| Provision for loan and lease losses | $263,000 | 2,959 |
| Total noninterest income | $2,753,000 | 1,452 |
| Gross Fiduciary activities income | $36,000 | 1,144 |
| Service charges on deposit accounts | $946,000 | 1,377 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,771,000 | 1,252 |
| Total noninterest expense | $7,851,000 | 1,751 |
| Salaries and employee benefits | $4,844,000 | 1,422 |
| Premises and equipment expense | $937,000 | 2,178 |
| Additional noninterest expense | $2,070,000 | 2,104 |
| Pre-tax net operating income | $7,010,000 | 1,105 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,008,000 | 1,227 |
| Income before extraordinary items | $5,002,000 | 1,095 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,002,000 | 1,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $1,392,000 | 1,789 |
| Sale, conversion, retirement of capital stock, net | $558,000 | 591 |
| Net operating income | $5,002,000 | 1,074 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $21,936,000 | 1,476 |
| Total interest expense | $10,935,000 | 1,409 |
| Net interest income | $11,001,000 | 1,540 |
| Provision for loan and lease losses | $309,000 | 2,532 |
| Total noninterest income | $3,328,000 | 1,250 |
| Gross Fiduciary activities income | $27,000 | 1,196 |
| Service charges on deposit accounts | $796,000 | 1,595 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,505,000 | 1,021 |
| Total noninterest expense | $8,028,000 | 1,646 |
| Salaries and employee benefits | $4,618,000 | 1,423 |
| Premises and equipment expense | $1,187,000 | 1,657 |
| Additional noninterest expense | $2,223,000 | 1,902 |
| Pre-tax net operating income | $5,992,000 | 1,255 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,970,000 | 1,286 |
| Income before extraordinary items | $4,022,000 | 1,316 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,022,000 | 1,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,026 |
| Cash dividends | $827,000 | 2,539 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 934 |
| Net operating income | $4,022,000 | 1,264 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,660,000 | 1,601 |
| Total interest expense | $9,726,000 | 1,589 |
| Net interest income | $10,934,000 | 1,574 |
| Provision for loan and lease losses | $14,000 | 8,198 |
| Total noninterest income | $2,234,000 | 1,621 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $736,000 | 1,762 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,498,000 | 1,321 |
| Total noninterest expense | $6,537,000 | 1,973 |
| Salaries and employee benefits | $4,309,000 | 1,510 |
| Premises and equipment expense | $695,000 | 2,758 |
| Additional noninterest expense | $1,533,000 | 2,682 |
| Pre-tax net operating income | $6,617,000 | 1,194 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,259,000 | 1,194 |
| Income before extraordinary items | $4,358,000 | 1,252 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,358,000 | 1,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $2,593,000 | 1,065 |
| Sale, conversion, retirement of capital stock, net | $578,000 | 519 |
| Net operating income | $4,358,000 | 1,225 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,184,000 | 1,969 |
| Total interest expense | $8,071,000 | 1,941 |
| Net interest income | $9,113,000 | 1,974 |
| Provision for loan and lease losses | $323,000 | 2,441 |
| Total noninterest income | $1,918,000 | 1,904 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $672,000 | 2,012 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,246,000 | 1,561 |
| Total noninterest expense | $6,116,000 | 2,244 |
| Salaries and employee benefits | $3,585,000 | 1,844 |
| Premises and equipment expense | $1,033,000 | 1,946 |
| Additional noninterest expense | $1,498,000 | 3,123 |
| Pre-tax net operating income | $4,592,000 | 1,583 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,552,000 | 1,559 |
| Income before extraordinary items | $3,040,000 | 1,641 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,040,000 | 1,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $645,000 | 2,908 |
| Sale, conversion, retirement of capital stock, net | $293,000 | 533 |
| Net operating income | $3,040,000 | 1,607 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,085,000 | 2,235 |
| Total interest expense | $7,082,000 | 2,200 |
| Net interest income | $8,003,000 | 2,250 |
| Provision for loan and lease losses | $255,000 | 2,517 |
| Total noninterest income | $2,147,000 | 1,733 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $720,000 | 1,879 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,427,000 | 1,410 |
| Total noninterest expense | $6,112,000 | 2,224 |
| Salaries and employee benefits | $3,492,000 | 1,892 |
| Premises and equipment expense | $1,072,000 | 1,893 |
| Additional noninterest expense | $1,548,000 | 3,011 |
| Pre-tax net operating income | $3,783,000 | 1,954 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $1,254,000 | 1,946 |
| Income before extraordinary items | $2,533,000 | 1,986 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,533,000 | 1,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $620,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,530,320 | 1,965 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,342,000 | 2,676 |
| Total interest expense | $4,313,000 | 2,841 |
| Net interest income | $7,029,000 | 2,562 |
| Provision for loan and lease losses | $19,000 | 7,864 |
| Total noninterest income | $1,826,000 | 1,947 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $484,000 | 2,852 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,342,000 | 1,499 |
| Total noninterest expense | $6,252,000 | 2,259 |
| Salaries and employee benefits | $3,603,000 | 1,859 |
| Premises and equipment expense | $901,000 | 2,239 |
| Additional noninterest expense | $1,748,000 | 2,897 |
| Pre-tax net operating income | $2,584,000 | 2,742 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $733,000 | 2,995 |
| Income before extraordinary items | $1,851,000 | 2,624 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,851,000 | 2,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $526,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 715 |
| Net operating income | $1,851,000 | 2,646 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,596,000 | 3,226 |
| Total interest expense | $3,458,000 | 3,626 |
| Net interest income | $6,138,000 | 2,963 |
| Provision for loan and lease losses | $500,000 | 2,086 |
| Total noninterest income | $2,865,000 | 1,520 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $404,000 | 3,406 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,461,000 | 1,100 |
| Total noninterest expense | $5,712,000 | 2,503 |
| Salaries and employee benefits | $3,036,000 | 2,185 |
| Premises and equipment expense | $624,000 | 3,203 |
| Additional noninterest expense | $2,052,000 | 2,672 |
| Pre-tax net operating income | $2,791,000 | 2,466 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $858,000 | 2,604 |
| Income before extraordinary items | $1,933,000 | 2,599 |
| Extraordinary gains, net | $47,000 | 2,224 |
| Net income | $1,980,000 | 2,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $305,000 | 4,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,933,000 | 2,449 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,525,000 | 3,662 |
| Total interest expense | $3,894,000 | 4,180 |
| Net interest income | $5,631,000 | 3,250 |
| Provision for loan and lease losses | $511,000 | 2,949 |
| Total noninterest income | $2,312,000 | 1,754 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $363,000 | 3,784 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,949,000 | 1,270 |
| Total noninterest expense | $4,894,000 | 2,920 |
| Salaries and employee benefits | $2,793,000 | 2,322 |
| Premises and equipment expense | $508,000 | 3,911 |
| Additional noninterest expense | $1,593,000 | 3,413 |
| Pre-tax net operating income | $2,538,000 | 2,443 |
| Securities gains (losses) | $11,000 | 6,349 |
| Applicable income taxes | $783,000 | 2,676 |
| Income before extraordinary items | $1,766,000 | 2,599 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,766,000 | 2,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $1,543,000 | 1,057 |
| Sale, conversion, retirement of capital stock, net | $245,000 | 692 |
| Net operating income | $1,758,410 | 2,423 |
* 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.