Home > Partners Trust Municipal Bank > Income and Expense
Partners Trust Municipal Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,341,000 | 1,838 |
| Total interest expense | $12,452,000 | 1,192 |
| Net interest income | $4,889,000 | 3,290 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $106,000 | 7,252 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,429 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $103,000 | 5,748 |
| Total noninterest expense | $327,000 | 8,386 |
| Salaries and employee benefits | $0 | 8,536 |
| Premises and equipment expense | $0 | 8,525 |
| Additional noninterest expense | $327,000 | 6,864 |
| Pre-tax net operating income | $4,668,000 | 1,454 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,375,000 | 1,305 |
| Income before extraordinary items | $3,293,000 | 1,536 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,293,000 | 1,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,293,000 | 1,529 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,426,000 | 1,880 |
| Total interest expense | $8,533,000 | 1,160 |
| Net interest income | $2,893,000 | 3,639 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $103,000 | 6,802 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $103,000 | 5,075 |
| Total noninterest expense | $214,000 | 8,449 |
| Salaries and employee benefits | $0 | 8,588 |
| Premises and equipment expense | $0 | 8,576 |
| Additional noninterest expense | $214,000 | 6,940 |
| Pre-tax net operating income | $2,782,000 | 1,657 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $780,000 | 1,513 |
| Income before extraordinary items | $2,003,000 | 1,729 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,003,000 | 1,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,002,280 | 1,710 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,500,000 | 1,933 |
| Total interest expense | $4,198,000 | 1,164 |
| Net interest income | $1,302,000 | 3,908 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $8,000 | 8,315 |
| 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 | $7,000 | 7,693 |
| Total noninterest expense | $109,000 | 8,478 |
| Salaries and employee benefits | $0 | 8,625 |
| Premises and equipment expense | $0 | 8,607 |
| Additional noninterest expense | $109,000 | 6,927 |
| Pre-tax net operating income | $1,201,000 | 1,864 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $315,000 | 1,799 |
| Income before extraordinary items | $886,000 | 1,899 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $886,000 | 1,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $886,000 | 1,890 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,306,000 | 1,814 |
| Total interest expense | $16,071,000 | 1,031 |
| Net interest income | $6,235,000 | 3,424 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $15,000 | 8,449 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $5,000 | 7,507 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,000 | 8,253 |
| Total noninterest expense | $438,000 | 8,505 |
| Salaries and employee benefits | $0 | 8,655 |
| Premises and equipment expense | $0 | 8,648 |
| Additional noninterest expense | $438,000 | 6,867 |
| Pre-tax net operating income | $5,812,000 | 1,656 |
| Securities gains (losses) | $-872,000 | 8,568 |
| Applicable income taxes | $1,356,000 | 1,809 |
| Income before extraordinary items | $3,584,000 | 1,975 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,584,000 | 1,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,220,560 | 1,696 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,743,000 | 1,801 |
| Total interest expense | $11,622,000 | 1,042 |
| Net interest income | $5,121,000 | 3,201 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $14,000 | 8,514 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $6,000 | 7,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,304 |
| Total noninterest expense | $330,000 | 8,547 |
| Salaries and employee benefits | $0 | 8,718 |
| Premises and equipment expense | $0 | 8,712 |
| Additional noninterest expense | $330,000 | 6,877 |
| Pre-tax net operating income | $4,805,000 | 1,548 |
| Securities gains (losses) | $-873,000 | 8,668 |
| Applicable income taxes | $1,100,000 | 1,761 |
| Income before extraordinary items | $2,832,000 | 1,935 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,832,000 | 1,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,460,560 | 1,579 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,280,000 | 1,742 |
| Total interest expense | $7,631,000 | 998 |
| Net interest income | $3,649,000 | 3,031 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $12,000 | 8,524 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $4,000 | 7,559 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,200 |
| Total noninterest expense | $224,000 | 8,580 |
| Salaries and employee benefits | $0 | 8,754 |
| Premises and equipment expense | $0 | 8,741 |
| Additional noninterest expense | $224,000 | 6,861 |
| Pre-tax net operating income | $3,437,000 | 1,468 |
| Securities gains (losses) | $-873,000 | 8,727 |
| Applicable income taxes | $797,000 | 1,668 |
| Income before extraordinary items | $1,767,000 | 2,039 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,767,000 | 2,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,369,370 | 1,540 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,560,000 | 1,710 |
| Total interest expense | $3,625,000 | 997 |
| Net interest income | $1,935,000 | 2,859 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $8,000 | 8,480 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,000 | 7,586 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $112,000 | 8,595 |
| Salaries and employee benefits | $0 | 8,764 |
| Premises and equipment expense | $0 | 8,748 |
| Additional noninterest expense | $112,000 | 6,815 |
| Pre-tax net operating income | $1,831,000 | 1,343 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $569,000 | 1,248 |
| Income before extraordinary items | $1,262,000 | 1,443 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,262,000 | 1,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,262,000 | 1,422 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,593,000 | 1,716 |
| Total interest expense | $8,701,000 | 1,312 |
| Net interest income | $10,892,000 | 2,036 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $19,000 | 8,607 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $6,000 | 7,647 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,328 |
| Total noninterest expense | $420,000 | 8,656 |
| Salaries and employee benefits | $0 | 8,809 |
| Premises and equipment expense | $0 | 8,806 |
| Additional noninterest expense | $420,000 | 6,989 |
| Pre-tax net operating income | $10,491,000 | 946 |
| Securities gains (losses) | $-267,000 | 8,629 |
| Applicable income taxes | $3,673,000 | 828 |
| Income before extraordinary items | $6,551,000 | 1,112 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,551,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,721,880 | 1,057 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,453,000 | 1,706 |
| Total interest expense | $5,647,000 | 1,421 |
| Net interest income | $8,806,000 | 1,861 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $18,000 | 8,638 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $5,000 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $13,000 | 8,252 |
| Total noninterest expense | $314,000 | 8,659 |
| Salaries and employee benefits | $0 | 8,836 |
| Premises and equipment expense | $0 | 8,827 |
| Additional noninterest expense | $314,000 | 6,999 |
| Pre-tax net operating income | $8,510,000 | 867 |
| Securities gains (losses) | $-200,000 | 8,724 |
| Applicable income taxes | $2,986,000 | 785 |
| Income before extraordinary items | $5,324,000 | 1,012 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,324,000 | 1,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,452,000 | 971 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,382,000 | 1,705 |
| Total interest expense | $3,540,000 | 1,416 |
| Net interest income | $5,842,000 | 1,859 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $15,000 | 8,605 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $3,000 | 7,707 |
| Trading account gains and fees | $12,000 | 99 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $212,000 | 8,659 |
| Salaries and employee benefits | $0 | 8,845 |
| Premises and equipment expense | $0 | 8,833 |
| Additional noninterest expense | $212,000 | 6,969 |
| Pre-tax net operating income | $5,645,000 | 847 |
| Securities gains (losses) | $-491,000 | 8,814 |
| Applicable income taxes | $1,852,000 | 806 |
| Income before extraordinary items | $3,302,000 | 1,056 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,302,000 | 1,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,616,240 | 938 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,495,000 | 1,738 |
| Total interest expense | $1,506,000 | 1,585 |
| Net interest income | $2,989,000 | 1,788 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $11,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $2,000 | 7,752 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,829 |
| Total noninterest expense | $104,000 | 8,723 |
| Salaries and employee benefits | $0 | 8,910 |
| Premises and equipment expense | $0 | 8,891 |
| Additional noninterest expense | $104,000 | 7,044 |
| Pre-tax net operating income | $2,896,000 | 819 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,041,000 | 741 |
| Income before extraordinary items | $1,855,000 | 940 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,855,000 | 940 |
| 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 | $1,855,000 | 918 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,407,000 | 2,988 |
| Total interest expense | $2,223,000 | 3,344 |
| Net interest income | $7,184,000 | 2,823 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $21,000 | 8,771 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $21,000 | 8,187 |
| Total noninterest expense | $296,000 | 8,888 |
| Salaries and employee benefits | $0 | 8,955 |
| Premises and equipment expense | $0 | 8,943 |
| Additional noninterest expense | $296,000 | 7,725 |
| Pre-tax net operating income | $6,909,000 | 1,256 |
| Securities gains (losses) | $-46,000 | 8,575 |
| Applicable income taxes | $2,466,000 | 1,061 |
| Income before extraordinary items | $4,397,000 | 1,465 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,397,000 | 1,466 |
| 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 | $4,426,440 | 1,411 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,103,000 | 3,872 |
| Total interest expense | $996,000 | 4,796 |
| Net interest income | $4,107,000 | 3,523 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $19,000 | 8,813 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $19,000 | 8,106 |
| Total noninterest expense | $219,000 | 8,931 |
| Salaries and employee benefits | $0 | 9,000 |
| Premises and equipment expense | $0 | 8,990 |
| Additional noninterest expense | $219,000 | 7,752 |
| Pre-tax net operating income | $3,907,000 | 1,647 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,376,000 | 1,386 |
| Income before extraordinary items | $2,531,000 | 1,879 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,531,000 | 1,880 |
| 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 | $2,531,000 | 1,836 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,482,000 | 6,498 |
| Total interest expense | $217,000 | 7,640 |
| Net interest income | $1,265,000 | 5,978 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $13,000 | 8,868 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $13,000 | 8,126 |
| Total noninterest expense | $136,000 | 9,001 |
| Salaries and employee benefits | $0 | 9,056 |
| Premises and equipment expense | $0 | 9,049 |
| Additional noninterest expense | $136,000 | 7,898 |
| Pre-tax net operating income | $1,142,000 | 3,226 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $389,000 | 2,612 |
| Income before extraordinary items | $753,000 | 3,684 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $753,000 | 3,684 |
| 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 | $753,000 | 3,597 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $790,000 | 6,310 |
| Total interest expense | $110,000 | 7,686 |
| Net interest income | $680,000 | 5,737 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $3,000 | 8,980 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $68,000 | 9,040 |
| Salaries and employee benefits | $0 | 9,095 |
| Premises and equipment expense | $0 | 9,081 |
| Additional noninterest expense | $68,000 | 7,939 |
| Pre-tax net operating income | $615,000 | 3,024 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $211,000 | 2,483 |
| Income before extraordinary items | $404,000 | 3,470 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $404,000 | 3,469 |
| 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 | $404,000 | 3,369 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,210,000 | 6,310 |
| Total interest expense | $430,000 | 8,012 |
| Net interest income | $2,780,000 | 5,549 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $19,000 | 9,014 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $5,000 | 7,986 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $14,000 | 8,625 |
| Total noninterest expense | $246,000 | 9,109 |
| Salaries and employee benefits | $0 | 9,160 |
| Premises and equipment expense | $0 | 9,148 |
| Additional noninterest expense | $246,000 | 8,116 |
| Pre-tax net operating income | $2,553,000 | 2,834 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $861,000 | 2,407 |
| Income before extraordinary items | $1,692,000 | 3,248 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,692,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,692,000 | 3,112 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,466,000 | 6,295 |
| Total interest expense | $335,000 | 8,094 |
| Net interest income | $2,131,000 | 5,507 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $15,000 | 9,080 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $5,000 | 8,030 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,693 |
| Total noninterest expense | $188,000 | 9,160 |
| Salaries and employee benefits | $0 | 9,215 |
| Premises and equipment expense | $0 | 9,202 |
| Additional noninterest expense | $188,000 | 8,103 |
| Pre-tax net operating income | $1,958,000 | 2,896 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $650,000 | 2,516 |
| Income before extraordinary items | $1,308,000 | 3,268 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,308,000 | 3,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,308,000 | 3,117 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,730,000 | 6,188 |
| Total interest expense | $243,000 | 8,054 |
| Net interest income | $1,487,000 | 5,354 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $20,000 | 8,974 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $5,000 | 8,028 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $15,000 | 8,141 |
| Total noninterest expense | $128,000 | 9,188 |
| Salaries and employee benefits | $0 | 9,245 |
| Premises and equipment expense | $0 | 9,227 |
| Additional noninterest expense | $128,000 | 8,072 |
| Pre-tax net operating income | $1,379,000 | 2,777 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $454,000 | 2,470 |
| Income before extraordinary items | $925,000 | 3,143 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $925,000 | 3,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $925,000 | 2,977 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $930,000 | 5,995 |
| Total interest expense | $132,000 | 8,006 |
| Net interest income | $798,000 | 5,104 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $9,000 | 9,027 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,983 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $64,000 | 9,231 |
| Salaries and employee benefits | $0 | 9,285 |
| Premises and equipment expense | $0 | 9,263 |
| Additional noninterest expense | $64,000 | 8,103 |
| Pre-tax net operating income | $743,000 | 2,624 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $245,000 | 2,352 |
| Income before extraordinary items | $498,000 | 2,954 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $498,000 | 2,952 |
| 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 | $498,000 | 2,810 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $25,000 | 9,341 |
| Total interest expense | $2,000 | 9,331 |
| Net interest income | $23,000 | 9,334 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $0 | 9,294 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,201 |
| Total noninterest expense | $0 | 9,351 |
| Salaries and employee benefits | $0 | 9,330 |
| Premises and equipment expense | $0 | 9,317 |
| Additional noninterest expense | $0 | 9,348 |
| Pre-tax net operating income | $23,000 | 8,563 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $23,000 | 8,656 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $23,000 | 8,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $23,000 | 8,569 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,886,000 | 1,428 |
| Total interest expense | $9,479,000 | 1,717 |
| Net interest income | $14,407,000 | 1,238 |
| Provision for loan and lease losses | $840,000 | 1,441 |
| Total noninterest income | $2,711,000 | 1,598 |
| Gross Fiduciary activities income | $352,000 | 686 |
| Service charges on deposit accounts | $1,334,000 | 1,112 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,025,000 | 2,008 |
| Total noninterest expense | $12,527,000 | 1,175 |
| Salaries and employee benefits | $6,728,000 | 1,105 |
| Premises and equipment expense | $2,359,000 | 891 |
| Additional noninterest expense | $3,440,000 | 1,359 |
| Pre-tax net operating income | $3,751,000 | 1,873 |
| Securities gains (losses) | $230,000 | 1,085 |
| Applicable income taxes | $862,000 | 2,307 |
| Income before extraordinary items | $3,119,000 | 1,687 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,119,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $634,000 | 1,309 |
| Cash dividends | $2,075,000 | 1,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,939,600 | 1,727 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,755,000 | 1,460 |
| Total interest expense | $10,575,000 | 1,615 |
| Net interest income | $13,180,000 | 1,326 |
| Provision for loan and lease losses | $530,000 | 1,789 |
| Total noninterest income | $2,972,000 | 1,361 |
| Gross Fiduciary activities income | $809,000 | 468 |
| Service charges on deposit accounts | $1,093,000 | 1,236 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,070,000 | 1,782 |
| Total noninterest expense | $13,317,000 | 1,048 |
| Salaries and employee benefits | $7,053,000 | 998 |
| Premises and equipment expense | $2,751,000 | 743 |
| Additional noninterest expense | $3,513,000 | 1,296 |
| Pre-tax net operating income | $2,305,000 | 2,972 |
| Securities gains (losses) | $17,000 | 991 |
| Applicable income taxes | $528,000 | 3,361 |
| Income before extraordinary items | $1,794,000 | 2,806 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,794,000 | 2,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,854 |
| Cash dividends | $601,000 | 3,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,780,910 | 2,816 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,707,000 | 1,576 |
| Total interest expense | $8,510,000 | 1,740 |
| Net interest income | $12,197,000 | 1,435 |
| Provision for loan and lease losses | $440,000 | 1,954 |
| Total noninterest income | $2,369,000 | 1,635 |
| Gross Fiduciary activities income | $653,000 | 564 |
| Service charges on deposit accounts | $891,000 | 1,463 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $825,000 | 2,119 |
| Total noninterest expense | $12,894,000 | 1,084 |
| Salaries and employee benefits | $6,753,000 | 1,022 |
| Premises and equipment expense | $2,590,000 | 791 |
| Additional noninterest expense | $3,551,000 | 1,297 |
| Pre-tax net operating income | $1,232,000 | 4,691 |
| Securities gains (losses) | $130,000 | 640 |
| Applicable income taxes | $238,000 | 5,330 |
| Income before extraordinary items | $1,124,000 | 4,067 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,124,000 | 4,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $442,000 | 1,336 |
| Cash dividends | $1,490,000 | 1,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,016,100 | 4,356 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,856,000 | 1,636 |
| Total interest expense | $8,517,000 | 1,790 |
| Net interest income | $11,339,000 | 1,491 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $1,580,000 | 2,176 |
| Gross Fiduciary activities income | $246,000 | 827 |
| Service charges on deposit accounts | $767,000 | 1,653 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $567,000 | 2,744 |
| Total noninterest expense | $10,479,000 | 1,270 |
| Salaries and employee benefits | $5,684,000 | 1,154 |
| Premises and equipment expense | $2,347,000 | 834 |
| Additional noninterest expense | $2,448,000 | 1,742 |
| Pre-tax net operating income | $2,240,000 | 3,043 |
| Securities gains (losses) | $58,000 | 1,631 |
| Applicable income taxes | $658,000 | 3,172 |
| Income before extraordinary items | $1,640,000 | 3,025 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,640,000 | 3,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,750 |
| Cash dividends | $4,700,000 | 670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,598,820 | 3,001 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,717,000 | 1,518 |
| Total interest expense | $9,397,000 | 1,645 |
| Net interest income | $12,320,000 | 1,404 |
| Provision for loan and lease losses | $558,000 | 1,635 |
| Total noninterest income | $3,843,000 | 1,103 |
| Gross Fiduciary activities income | $262,000 | 835 |
| Service charges on deposit accounts | $745,000 | 1,739 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,836,000 | 866 |
| Total noninterest expense | $12,677,000 | 1,065 |
| Salaries and employee benefits | $6,558,000 | 1,012 |
| Premises and equipment expense | $2,519,000 | 803 |
| Additional noninterest expense | $3,600,000 | 1,222 |
| Pre-tax net operating income | $2,928,000 | 2,542 |
| Securities gains (losses) | $83,000 | 1,074 |
| Applicable income taxes | $888,000 | 2,688 |
| Income before extraordinary items | $2,123,000 | 2,447 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,123,000 | 2,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $443,000 | 1,475 |
| Cash dividends | $945,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,064,070 | 2,458 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,469,000 | 1,558 |
| Total interest expense | $9,451,000 | 1,671 |
| Net interest income | $12,018,000 | 1,484 |
| Provision for loan and lease losses | $1,315,000 | 824 |
| Total noninterest income | $1,302,000 | 2,539 |
| Gross Fiduciary activities income | $243,000 | 923 |
| Service charges on deposit accounts | $667,000 | 2,027 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $392,000 | 3,445 |
| Total noninterest expense | $11,086,000 | 1,296 |
| Salaries and employee benefits | $5,706,000 | 1,176 |
| Premises and equipment expense | $2,139,000 | 991 |
| Additional noninterest expense | $3,241,000 | 1,607 |
| Pre-tax net operating income | $919,000 | 6,023 |
| Securities gains (losses) | $364,000 | 508 |
| Applicable income taxes | $178,000 | 7,462 |
| Income before extraordinary items | $1,105,000 | 4,138 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,105,000 | 4,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $985,000 | 909 |
| Cash dividends | $525,000 | 3,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $791,960 | 5,284 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,577,000 | 1,567 |
| Total interest expense | $9,450,000 | 1,690 |
| Net interest income | $12,127,000 | 1,484 |
| Provision for loan and lease losses | $388,000 | 1,905 |
| Total noninterest income | $1,390,000 | 2,420 |
| Gross Fiduciary activities income | $308,000 | 890 |
| Service charges on deposit accounts | $728,000 | 1,860 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $354,000 | 3,580 |
| Total noninterest expense | $10,011,000 | 1,417 |
| Salaries and employee benefits | $5,295,000 | 1,262 |
| Premises and equipment expense | $1,939,000 | 1,088 |
| Additional noninterest expense | $2,777,000 | 1,809 |
| Pre-tax net operating income | $3,118,000 | 2,356 |
| Securities gains (losses) | $-262,000 | 11,728 |
| Applicable income taxes | $909,000 | 2,573 |
| Income before extraordinary items | $1,947,000 | 2,574 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,947,000 | 2,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,261 |
| Cash dividends | $420,000 | 3,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,125,160 | 2,346 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $19,879,000 | 1,555 |
| Total interest expense | $7,298,000 | 1,715 |
| Net interest income | $12,581,000 | 1,435 |
| Provision for loan and lease losses | $1,255,000 | 792 |
| Total noninterest income | $1,345,000 | 2,500 |
| Gross Fiduciary activities income | $252,000 | 965 |
| Service charges on deposit accounts | $740,000 | 1,824 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $353,000 | 3,695 |
| Total noninterest expense | $9,917,000 | 1,485 |
| Salaries and employee benefits | $5,000,000 | 1,353 |
| Premises and equipment expense | $1,781,000 | 1,184 |
| Additional noninterest expense | $3,136,000 | 1,736 |
| Pre-tax net operating income | $2,754,000 | 2,575 |
| Securities gains (losses) | $-64,000 | 11,223 |
| Applicable income taxes | $824,000 | 2,704 |
| Income before extraordinary items | $1,866,000 | 2,602 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,866,000 | 2,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $645,000 | 1,155 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,910,160 | 2,557 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,831,000 | 1,659 |
| Total interest expense | $7,421,000 | 1,770 |
| Net interest income | $11,410,000 | 1,582 |
| Provision for loan and lease losses | $1,521,000 | 992 |
| Total noninterest income | $1,254,000 | 2,807 |
| Gross Fiduciary activities income | $218,000 | 1,041 |
| Service charges on deposit accounts | $665,000 | 2,053 |
| Trading account gains and fees | $1,000 | 508 |
| Additional Noninterest Income | $370,000 | 3,953 |
| Total noninterest expense | $9,023,000 | 1,679 |
| Salaries and employee benefits | $4,548,000 | 1,491 |
| Premises and equipment expense | $1,622,000 | 1,317 |
| Additional noninterest expense | $2,853,000 | 1,992 |
| Pre-tax net operating income | $2,120,000 | 3,134 |
| Securities gains (losses) | $228,000 | 1,542 |
| Applicable income taxes | $676,000 | 3,218 |
| Income before extraordinary items | $1,672,000 | 2,925 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,672,000 | 3,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $812,000 | 1,312 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,510,120 | 3,058 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,393,000 | 1,937 |
| Total interest expense | $8,507,000 | 2,002 |
| Net interest income | $9,886,000 | 1,850 |
| Provision for loan and lease losses | $1,144,000 | 1,695 |
| Total noninterest income | $1,090,000 | 3,081 |
| Gross Fiduciary activities income | $165,000 | 1,134 |
| Service charges on deposit accounts | $596,000 | 2,305 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $329,000 | 4,173 |
| Total noninterest expense | $7,890,000 | 1,910 |
| Salaries and employee benefits | $4,110,000 | 1,606 |
| Premises and equipment expense | $1,434,000 | 1,490 |
| Additional noninterest expense | $2,346,000 | 2,446 |
| Pre-tax net operating income | $1,942,000 | 3,184 |
| Securities gains (losses) | $29,000 | 5,046 |
| Applicable income taxes | $563,000 | 3,617 |
| Income before extraordinary items | $1,408,000 | 3,260 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,408,000 | 3,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $558,000 | 2,289 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,387,410 | 3,072 |
* 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.