Home > Peak National Bank > Income and Expense
Peak National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,268,000 | 2,340 |
| Total interest expense | $4,010,000 | 3,280 |
| Net interest income | $9,258,000 | 1,840 |
| Provision for loan and lease losses | $100,000 | 4,093 |
| Total noninterest income | $884,000 | 3,168 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $774,000 | 1,697 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $110,000 | 5,629 |
| Total noninterest expense | $5,738,000 | 2,369 |
| Salaries and employee benefits | $3,421,000 | 2,206 |
| Premises and equipment expense | $905,000 | 2,134 |
| Additional noninterest expense | $1,412,000 | 2,752 |
| Pre-tax net operating income | $4,304,000 | 1,570 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $4,304,000 | 1,200 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,304,000 | 1,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,341 |
| Cash dividends | $1,783,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,304,000 | 1,182 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,766,000 | 2,375 |
| Total interest expense | $2,684,000 | 3,267 |
| Net interest income | $6,082,000 | 1,898 |
| Provision for loan and lease losses | $100,000 | 3,268 |
| Total noninterest income | $588,000 | 3,191 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $516,000 | 1,706 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $72,000 | 5,691 |
| Total noninterest expense | $3,768,000 | 2,426 |
| Salaries and employee benefits | $2,281,000 | 2,242 |
| Premises and equipment expense | $611,000 | 2,124 |
| Additional noninterest expense | $876,000 | 2,949 |
| Pre-tax net operating income | $2,802,000 | 1,643 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $2,802,000 | 1,278 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,802,000 | 1,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,522 |
| Cash dividends | $1,200,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,802,000 | 1,261 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,218,000 | 2,444 |
| Total interest expense | $1,310,000 | 3,301 |
| Net interest income | $2,908,000 | 1,998 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $282,000 | 3,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $132,000 | 2,876 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $150,000 | 3,022 |
| Total noninterest expense | $1,836,000 | 2,497 |
| Salaries and employee benefits | $1,103,000 | 2,328 |
| Premises and equipment expense | $302,000 | 2,168 |
| Additional noninterest expense | $431,000 | 2,971 |
| Pre-tax net operating income | $1,354,000 | 1,688 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,354,000 | 1,295 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,354,000 | 1,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,354,000 | 1,283 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,117,000 | 2,279 |
| Total interest expense | $4,847,000 | 3,108 |
| Net interest income | $12,270,000 | 1,889 |
| Provision for loan and lease losses | $49,000 | 5,634 |
| Total noninterest income | $1,384,000 | 2,853 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $738,000 | 2,272 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $646,000 | 2,881 |
| Total noninterest expense | $7,760,000 | 2,272 |
| Salaries and employee benefits | $4,521,000 | 2,164 |
| Premises and equipment expense | $1,110,000 | 2,241 |
| Additional noninterest expense | $2,129,000 | 2,422 |
| Pre-tax net operating income | $5,845,000 | 1,649 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $5,845,000 | 1,247 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,845,000 | 1,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $2,649,000 | 1,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,845,000 | 1,232 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,811,000 | 2,274 |
| Total interest expense | $3,589,000 | 3,051 |
| Net interest income | $9,222,000 | 1,902 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $996,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $504,000 | 2,468 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $492,000 | 2,869 |
| Total noninterest expense | $5,914,000 | 2,231 |
| Salaries and employee benefits | $3,394,000 | 2,164 |
| Premises and equipment expense | $857,000 | 2,181 |
| Additional noninterest expense | $1,663,000 | 2,327 |
| Pre-tax net operating income | $4,304,000 | 1,732 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $4,304,000 | 1,315 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,304,000 | 1,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,946 |
| Cash dividends | $1,900,000 | 1,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,304,000 | 1,303 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,459,000 | 2,253 |
| Total interest expense | $2,333,000 | 3,001 |
| Net interest income | $6,126,000 | 1,904 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $630,000 | 3,021 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $324,000 | 2,507 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $306,000 | 2,980 |
| Total noninterest expense | $4,073,000 | 2,171 |
| Salaries and employee benefits | $2,244,000 | 2,184 |
| Premises and equipment expense | $582,000 | 2,140 |
| Additional noninterest expense | $1,247,000 | 2,097 |
| Pre-tax net operating income | $2,683,000 | 1,843 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $2,683,000 | 1,399 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,683,000 | 1,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,253 |
| Cash dividends | $1,100,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,683,000 | 1,390 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 2,322 |
| Total interest expense | $1,097,000 | 3,030 |
| Net interest income | $2,915,000 | 1,988 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $306,000 | 3,053 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $163,000 | 2,410 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $143,000 | 3,060 |
| Total noninterest expense | $2,191,000 | 2,015 |
| Salaries and employee benefits | $1,128,000 | 2,184 |
| Premises and equipment expense | $300,000 | 2,103 |
| Additional noninterest expense | $763,000 | 1,720 |
| Pre-tax net operating income | $1,030,000 | 2,231 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,030,000 | 1,739 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,030,000 | 1,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,260 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,030,000 | 1,723 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,311,000 | 2,481 |
| Total interest expense | $2,850,000 | 3,484 |
| Net interest income | $10,461,000 | 2,123 |
| Provision for loan and lease losses | $170,000 | 3,909 |
| Total noninterest income | $1,253,000 | 3,042 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $716,000 | 2,302 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $537,000 | 3,244 |
| Total noninterest expense | $7,047,000 | 2,381 |
| Salaries and employee benefits | $4,306,000 | 2,141 |
| Premises and equipment expense | $1,017,000 | 2,332 |
| Additional noninterest expense | $1,724,000 | 2,878 |
| Pre-tax net operating income | $4,497,000 | 2,026 |
| Securities gains (losses) | $-10,000 | 7,535 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $4,487,000 | 1,564 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,487,000 | 1,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,575 |
| Cash dividends | $7,785,000 | 463 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,497,000 | 1,537 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,923,000 | 2,433 |
| Total interest expense | $1,931,000 | 3,604 |
| Net interest income | $7,992,000 | 2,069 |
| Provision for loan and lease losses | $170,000 | 3,297 |
| Total noninterest income | $938,000 | 3,042 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $527,000 | 2,335 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $411,000 | 3,230 |
| Total noninterest expense | $5,324,000 | 2,327 |
| Salaries and employee benefits | $3,241,000 | 2,112 |
| Premises and equipment expense | $768,000 | 2,305 |
| Additional noninterest expense | $1,315,000 | 2,799 |
| Pre-tax net operating income | $3,436,000 | 2,012 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $3,436,000 | 1,534 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,436,000 | 1,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 8,573 |
| Cash dividends | $3,735,000 | 607 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,436,000 | 1,507 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,679,000 | 2,361 |
| Total interest expense | $1,105,000 | 3,853 |
| Net interest income | $5,574,000 | 1,938 |
| Provision for loan and lease losses | $43,000 | 4,790 |
| Total noninterest income | $645,000 | 2,939 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $373,000 | 2,196 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $272,000 | 3,244 |
| Total noninterest expense | $3,535,000 | 2,331 |
| Salaries and employee benefits | $2,172,000 | 2,088 |
| Premises and equipment expense | $504,000 | 2,315 |
| Additional noninterest expense | $859,000 | 2,830 |
| Pre-tax net operating income | $2,641,000 | 1,754 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $2,641,000 | 1,332 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,641,000 | 1,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,304 |
| Cash dividends | $3,395,000 | 465 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,641,000 | 1,310 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,642,000 | 2,122 |
| Total interest expense | $491,000 | 4,065 |
| Net interest income | $3,151,000 | 1,702 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $332,000 | 2,831 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $199,000 | 2,010 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $133,000 | 3,203 |
| Total noninterest expense | $1,747,000 | 2,362 |
| Salaries and employee benefits | $1,097,000 | 2,083 |
| Premises and equipment expense | $250,000 | 2,355 |
| Additional noninterest expense | $400,000 | 3,010 |
| Pre-tax net operating income | $1,736,000 | 1,327 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,736,000 | 999 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,736,000 | 1,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $2,424,000 | 315 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,736,000 | 978 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,981,000 | 2,215 |
| Total interest expense | $2,197,000 | 3,375 |
| Net interest income | $10,784,000 | 1,875 |
| Provision for loan and lease losses | $175,000 | 3,992 |
| Total noninterest income | $1,722,000 | 2,442 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $888,000 | 1,956 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $834,000 | 2,430 |
| Total noninterest expense | $6,529,000 | 2,443 |
| Salaries and employee benefits | $4,096,000 | 2,119 |
| Premises and equipment expense | $940,000 | 2,426 |
| Additional noninterest expense | $1,493,000 | 3,132 |
| Pre-tax net operating income | $5,802,000 | 1,476 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $5,802,000 | 1,121 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,802,000 | 1,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 1,862 |
| Cash dividends | $5,341,000 | 581 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,802,000 | 1,095 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,120,000 | 2,079 |
| Total interest expense | $1,695,000 | 3,249 |
| Net interest income | $8,425,000 | 1,789 |
| Provision for loan and lease losses | $25,000 | 6,158 |
| Total noninterest income | $1,314,000 | 2,419 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $704,000 | 1,882 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $610,000 | 2,470 |
| Total noninterest expense | $4,844,000 | 2,455 |
| Salaries and employee benefits | $3,076,000 | 2,117 |
| Premises and equipment expense | $714,000 | 2,383 |
| Additional noninterest expense | $1,054,000 | 3,268 |
| Pre-tax net operating income | $4,870,000 | 1,336 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $4,870,000 | 1,026 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,870,000 | 1,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,640 |
| Cash dividends | $5,243,000 | 439 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,870,000 | 983 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,815,000 | 2,034 |
| Total interest expense | $1,175,000 | 3,135 |
| Net interest income | $5,640,000 | 1,772 |
| Provision for loan and lease losses | $25,000 | 5,618 |
| Total noninterest income | $1,042,000 | 2,127 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $484,000 | 1,806 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $558,000 | 2,024 |
| Total noninterest expense | $3,268,000 | 2,430 |
| Salaries and employee benefits | $2,031,000 | 2,145 |
| Premises and equipment expense | $471,000 | 2,401 |
| Additional noninterest expense | $766,000 | 3,063 |
| Pre-tax net operating income | $3,389,000 | 1,259 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $3,389,000 | 965 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,389,000 | 966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,514 |
| Cash dividends | $1,951,000 | 729 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,389,000 | 930 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,233,000 | 2,165 |
| Total interest expense | $619,000 | 3,043 |
| Net interest income | $2,614,000 | 1,908 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $496,000 | 2,174 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $242,000 | 1,761 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $254,000 | 2,111 |
| Total noninterest expense | $1,670,000 | 2,387 |
| Salaries and employee benefits | $1,026,000 | 2,144 |
| Premises and equipment expense | $243,000 | 2,373 |
| Additional noninterest expense | $401,000 | 2,905 |
| Pre-tax net operating income | $1,425,000 | 1,455 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $1,425,000 | 1,151 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,425,000 | 1,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,385 |
| Cash dividends | $748,000 | 874 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,425,000 | 1,082 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,936,000 | 2,042 |
| Total interest expense | $2,848,000 | 3,001 |
| Net interest income | $11,088,000 | 1,760 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $1,887,000 | 2,412 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $990,000 | 1,731 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $897,000 | 2,551 |
| Total noninterest expense | $6,767,000 | 2,321 |
| Salaries and employee benefits | $4,216,000 | 2,021 |
| Premises and equipment expense | $886,000 | 2,524 |
| Additional noninterest expense | $1,665,000 | 2,806 |
| Pre-tax net operating income | $5,908,000 | 1,396 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $5,908,000 | 1,091 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,908,000 | 1,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,739 |
| Cash dividends | $4,557,000 | 704 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,908,000 | 1,029 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,780,000 | 2,004 |
| Total interest expense | $2,225,000 | 2,985 |
| Net interest income | $8,555,000 | 1,716 |
| Provision for loan and lease losses | $275,000 | 2,660 |
| Total noninterest income | $1,435,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $750,000 | 1,731 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $685,000 | 2,600 |
| Total noninterest expense | $4,955,000 | 2,379 |
| Salaries and employee benefits | $3,113,000 | 2,055 |
| Premises and equipment expense | $645,000 | 2,594 |
| Additional noninterest expense | $1,197,000 | 2,888 |
| Pre-tax net operating income | $4,760,000 | 1,358 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $4,760,000 | 1,061 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,760,000 | 1,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,204 |
| Cash dividends | $3,838,000 | 595 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,760,000 | 986 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,969,000 | 2,091 |
| Total interest expense | $1,580,000 | 2,905 |
| Net interest income | $5,389,000 | 1,808 |
| Provision for loan and lease losses | $115,000 | 3,633 |
| Total noninterest income | $933,000 | 2,466 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $505,000 | 1,667 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $428,000 | 2,681 |
| Total noninterest expense | $3,401,000 | 2,308 |
| Salaries and employee benefits | $2,080,000 | 2,039 |
| Premises and equipment expense | $424,000 | 2,622 |
| Additional noninterest expense | $897,000 | 2,624 |
| Pre-tax net operating income | $2,806,000 | 1,497 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $2,806,000 | 1,196 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,806,000 | 1,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 1,706 |
| Cash dividends | $2,855,000 | 550 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,806,000 | 1,108 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,489,000 | 2,107 |
| Total interest expense | $850,000 | 2,770 |
| Net interest income | $2,639,000 | 1,850 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $465,000 | 2,423 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $250,000 | 1,634 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $215,000 | 2,596 |
| Total noninterest expense | $1,631,000 | 2,381 |
| Salaries and employee benefits | $1,062,000 | 2,000 |
| Premises and equipment expense | $208,000 | 2,679 |
| Additional noninterest expense | $361,000 | 3,108 |
| Pre-tax net operating income | $1,433,000 | 1,483 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $1,433,000 | 1,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,433,000 | 1,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 994 |
| Cash dividends | $1,219,000 | 577 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,433,000 | 1,077 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,873,000 | 2,072 |
| Total interest expense | $4,285,000 | 2,585 |
| Net interest income | $10,588,000 | 1,832 |
| Provision for loan and lease losses | $170,000 | 4,692 |
| Total noninterest income | $1,293,000 | 2,924 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $938,000 | 1,710 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $355,000 | 3,921 |
| Total noninterest expense | $6,530,000 | 2,291 |
| Salaries and employee benefits | $4,164,000 | 1,936 |
| Premises and equipment expense | $787,000 | 2,723 |
| Additional noninterest expense | $1,579,000 | 2,843 |
| Pre-tax net operating income | $5,181,000 | 1,582 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $5,181,000 | 1,211 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,181,000 | 1,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,898 |
| Cash dividends | $4,314,000 | 700 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,181,000 | 1,161 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,964,000 | 2,283 |
| Total interest expense | $5,403,000 | 2,941 |
| Net interest income | $9,561,000 | 1,863 |
| Provision for loan and lease losses | $192,000 | 4,235 |
| Total noninterest income | $1,333,000 | 2,730 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $907,000 | 1,668 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $426,000 | 3,410 |
| Total noninterest expense | $5,941,000 | 2,398 |
| Salaries and employee benefits | $3,682,000 | 2,046 |
| Premises and equipment expense | $707,000 | 2,923 |
| Additional noninterest expense | $1,552,000 | 2,788 |
| Pre-tax net operating income | $4,761,000 | 1,508 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $4,761,000 | 1,144 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,761,000 | 1,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $3,399,000 | 825 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,761,000 | 1,103 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,157,000 | 2,644 |
| Total interest expense | $4,218,000 | 3,815 |
| Net interest income | $8,939,000 | 1,980 |
| Provision for loan and lease losses | $107,000 | 5,170 |
| Total noninterest income | $2,220,000 | 1,735 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,012,000 | 1,347 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,208,000 | 1,648 |
| Total noninterest expense | $5,418,000 | 2,516 |
| Salaries and employee benefits | $3,175,000 | 2,248 |
| Premises and equipment expense | $683,000 | 2,926 |
| Additional noninterest expense | $1,560,000 | 2,712 |
| Pre-tax net operating income | $5,634,000 | 1,312 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $5,634,000 | 947 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,634,000 | 947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $3,635,000 | 822 |
| Sale, conversion, retirement of capital stock, net | $157,000 | 658 |
| Net operating income | $5,634,000 | 944 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,932,000 | 2,951 |
| Total interest expense | $3,346,000 | 4,203 |
| Net interest income | $7,586,000 | 2,328 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $1,296,000 | 2,544 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $980,000 | 1,334 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $316,000 | 3,900 |
| Total noninterest expense | $5,011,000 | 2,693 |
| Salaries and employee benefits | $2,868,000 | 2,449 |
| Premises and equipment expense | $678,000 | 2,939 |
| Additional noninterest expense | $1,465,000 | 2,921 |
| Pre-tax net operating income | $3,771,000 | 1,950 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $3,771,000 | 1,415 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,771,000 | 1,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $1,555,000 | 1,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,771,000 | 1,395 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,841,000 | 3,277 |
| Total interest expense | $3,367,000 | 4,296 |
| Net interest income | $6,474,000 | 2,645 |
| Provision for loan and lease losses | $122,000 | 4,587 |
| Total noninterest income | $979,000 | 3,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $811,000 | 1,560 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 5,401 |
| Total noninterest expense | $4,955,000 | 2,639 |
| Salaries and employee benefits | $2,516,000 | 2,696 |
| Premises and equipment expense | $674,000 | 2,857 |
| Additional noninterest expense | $1,765,000 | 2,361 |
| Pre-tax net operating income | $2,376,000 | 2,913 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $2,376,000 | 2,200 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,376,000 | 2,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $2,223,000 | 1,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,376,000 | 2,128 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,726,000 | 3,664 |
| Total interest expense | $3,082,000 | 4,592 |
| Net interest income | $5,644,000 | 3,092 |
| Provision for loan and lease losses | $126,000 | 4,509 |
| Total noninterest income | $1,321,000 | 2,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $765,000 | 1,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $556,000 | 2,635 |
| Total noninterest expense | $3,708,000 | 3,405 |
| Salaries and employee benefits | $2,000,000 | 3,315 |
| Premises and equipment expense | $608,000 | 3,110 |
| Additional noninterest expense | $1,100,000 | 3,596 |
| Pre-tax net operating income | $3,131,000 | 2,392 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $202,000 | 6,846 |
| Income before extraordinary items | $2,929,000 | 1,804 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,929,000 | 1,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $939,000 | 2,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,929,000 | 1,761 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,652,000 | 4,782 |
| Total interest expense | $2,198,000 | 6,052 |
| Net interest income | $4,454,000 | 3,921 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $991,000 | 3,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $526,000 | 2,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $465,000 | 3,076 |
| Total noninterest expense | $3,346,000 | 3,950 |
| Salaries and employee benefits | $1,795,000 | 3,680 |
| Premises and equipment expense | $553,000 | 3,466 |
| Additional noninterest expense | $998,000 | 4,411 |
| Pre-tax net operating income | $1,979,000 | 3,445 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $712,000 | 3,142 |
| Income before extraordinary items | $1,267,000 | 3,698 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,267,000 | 3,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $10,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,267,000 | 3,650 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,610,000 | 6,339 |
| Total interest expense | $1,673,000 | 7,210 |
| Net interest income | $2,937,000 | 5,592 |
| Provision for loan and lease losses | $101,000 | 4,564 |
| Total noninterest income | $685,000 | 4,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $345,000 | 3,648 |
| Total noninterest expense | $2,506,000 | 4,988 |
| Salaries and employee benefits | $1,304,000 | 4,844 |
| Premises and equipment expense | $369,000 | 4,840 |
| Additional noninterest expense | $833,000 | 5,090 |
| Pre-tax net operating income | $1,015,000 | 5,929 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $353,000 | 5,401 |
| Income before extraordinary items | $662,000 | 6,224 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $662,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $21,000 | 8,361 |
| Sale, conversion, retirement of capital stock, net | $566,000 | 360 |
| Net operating income | $662,000 | 6,209 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,162,000 | 7,807 |
| Total interest expense | $1,070,000 | 8,390 |
| Net interest income | $2,092,000 | 7,344 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $641,000 | 4,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,673 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $431,000 | 3,253 |
| Total noninterest expense | $1,720,000 | 6,930 |
| Salaries and employee benefits | $932,000 | 6,452 |
| Premises and equipment expense | $246,000 | 6,584 |
| Additional noninterest expense | $542,000 | 7,500 |
| Pre-tax net operating income | $938,000 | 6,225 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $326,000 | 5,558 |
| Income before extraordinary items | $612,000 | 6,444 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $612,000 | 6,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $612,000 | 6,508 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 9,482 |
| Total interest expense | $744,000 | 10,340 |
| Net interest income | $1,599,000 | 8,799 |
| Provision for loan and lease losses | $37,000 | 8,073 |
| Total noninterest income | $716,000 | 4,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,206 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $472,000 | 3,385 |
| Total noninterest expense | $1,351,000 | 8,329 |
| Salaries and employee benefits | $743,000 | 7,691 |
| Premises and equipment expense | $175,000 | 8,253 |
| Additional noninterest expense | $433,000 | 8,896 |
| Pre-tax net operating income | $927,000 | 6,219 |
| Securities gains (losses) | $104,000 | 2,454 |
| Applicable income taxes | $350,000 | 5,498 |
| Income before extraordinary items | $681,000 | 6,233 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $681,000 | 6,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $612,360 | 6,435 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,899,000 | 11,097 |
| Total interest expense | $646,000 | 12,080 |
| Net interest income | $1,253,000 | 10,131 |
| Provision for loan and lease losses | $53,000 | 8,929 |
| Total noninterest income | $331,000 | 7,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 8,102 |
| Total noninterest expense | $1,111,000 | 9,448 |
| Salaries and employee benefits | $524,000 | 9,548 |
| Premises and equipment expense | $106,000 | 10,520 |
| Additional noninterest expense | $481,000 | 8,641 |
| Pre-tax net operating income | $420,000 | 9,061 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $176,000 | 8,054 |
| Income before extraordinary items | $244,000 | 9,998 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $244,000 | 10,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 8,305 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $244,000 | 9,631 |
* 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.