Home > Peoples Bank > Income and Expense
Peoples Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,988,000 | 2,881 |
| Total interest expense | $2,419,000 | 3,546 |
| Net interest income | $4,569,000 | 2,468 |
| Provision for loan and lease losses | $181,000 | 2,293 |
| Total noninterest income | $688,000 | 2,867 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $547,000 | 1,610 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $141,000 | 4,441 |
| Total noninterest expense | $2,704,000 | 3,238 |
| Salaries and employee benefits | $1,527,000 | 3,203 |
| Premises and equipment expense | $305,000 | 3,811 |
| Additional noninterest expense | $872,000 | 2,958 |
| Pre-tax net operating income | $2,372,000 | 1,887 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $818,000 | 1,468 |
| Income before extraordinary items | $1,554,000 | 2,156 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,554,000 | 2,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,506 |
| Cash dividends | $1,250,000 | 1,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,554,000 | 2,137 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,408,000 | 2,944 |
| Total interest expense | $1,180,000 | 3,574 |
| Net interest income | $2,228,000 | 2,523 |
| Provision for loan and lease losses | $90,000 | 2,153 |
| Total noninterest income | $346,000 | 2,828 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $268,000 | 1,606 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $78,000 | 4,266 |
| Total noninterest expense | $1,362,000 | 3,224 |
| Salaries and employee benefits | $753,000 | 3,257 |
| Premises and equipment expense | $152,000 | 3,834 |
| Additional noninterest expense | $457,000 | 2,817 |
| Pre-tax net operating income | $1,122,000 | 1,975 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $393,000 | 1,546 |
| Income before extraordinary items | $729,000 | 2,235 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $729,000 | 2,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $1,250,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $729,000 | 2,217 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,831,000 | 3,137 |
| Total interest expense | $3,754,000 | 3,743 |
| Net interest income | $8,077,000 | 2,730 |
| Provision for loan and lease losses | $277,000 | 2,927 |
| Total noninterest income | $1,276,000 | 3,006 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,081,000 | 1,639 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $195,000 | 5,168 |
| Total noninterest expense | $5,219,000 | 3,235 |
| Salaries and employee benefits | $2,844,000 | 3,282 |
| Premises and equipment expense | $617,000 | 3,675 |
| Additional noninterest expense | $1,758,000 | 2,881 |
| Pre-tax net operating income | $3,857,000 | 2,319 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,303,000 | 1,859 |
| Income before extraordinary items | $2,554,000 | 2,572 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,554,000 | 2,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,128 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,554,000 | 2,554 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,488,000 | 3,231 |
| Total interest expense | $2,606,000 | 3,855 |
| Net interest income | $5,882,000 | 2,823 |
| Provision for loan and lease losses | $217,000 | 2,740 |
| Total noninterest income | $875,000 | 3,203 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $784,000 | 1,689 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 6,017 |
| Total noninterest expense | $3,779,000 | 3,326 |
| Salaries and employee benefits | $2,063,000 | 3,361 |
| Premises and equipment expense | $450,000 | 3,774 |
| Additional noninterest expense | $1,266,000 | 2,982 |
| Pre-tax net operating income | $2,761,000 | 2,463 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $945,000 | 1,960 |
| Income before extraordinary items | $1,816,000 | 2,778 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,816,000 | 2,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,816,000 | 2,767 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,317,000 | 3,336 |
| Total interest expense | $1,540,000 | 4,040 |
| Net interest income | $3,777,000 | 2,942 |
| Provision for loan and lease losses | $157,000 | 2,511 |
| Total noninterest income | $593,000 | 3,147 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $481,000 | 1,798 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $112,000 | 4,889 |
| Total noninterest expense | $2,393,000 | 3,464 |
| Salaries and employee benefits | $1,291,000 | 3,547 |
| Premises and equipment expense | $273,000 | 4,054 |
| Additional noninterest expense | $829,000 | 3,041 |
| Pre-tax net operating income | $1,820,000 | 2,493 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $622,000 | 2,002 |
| Income before extraordinary items | $1,198,000 | 2,796 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,198,000 | 2,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,198,000 | 2,783 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,215,000 | 3,785 |
| Total interest expense | $609,000 | 4,540 |
| Net interest income | $1,606,000 | 3,349 |
| Provision for loan and lease losses | $67,000 | 2,690 |
| Total noninterest income | $250,000 | 3,467 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $197,000 | 2,069 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,003 |
| Total noninterest expense | $1,060,000 | 3,832 |
| Salaries and employee benefits | $555,000 | 3,980 |
| Premises and equipment expense | $110,000 | 4,666 |
| Additional noninterest expense | $395,000 | 3,166 |
| Pre-tax net operating income | $729,000 | 2,897 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $242,000 | 2,328 |
| Income before extraordinary items | $487,000 | 3,231 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $487,000 | 3,230 |
| 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 | $487,000 | 3,208 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,521,000 | 3,028 |
| Total interest expense | $2,506,000 | 3,816 |
| Net interest income | $8,015,000 | 2,696 |
| Provision for loan and lease losses | $280,000 | 2,975 |
| Total noninterest income | $1,251,000 | 3,045 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,022,000 | 1,695 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $229,000 | 4,898 |
| Total noninterest expense | $7,064,000 | 2,375 |
| Salaries and employee benefits | $3,709,000 | 2,463 |
| Premises and equipment expense | $694,000 | 3,259 |
| Additional noninterest expense | $2,661,000 | 1,908 |
| Pre-tax net operating income | $1,922,000 | 3,784 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $893,000 | 2,426 |
| Income before extraordinary items | $1,029,000 | 4,760 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,029,000 | 4,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,295 |
| Cash dividends | $6,012,000 | 563 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,029,000 | 4,738 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,774,000 | 3,003 |
| Total interest expense | $1,791,000 | 3,805 |
| Net interest income | $5,983,000 | 2,685 |
| Provision for loan and lease losses | $280,000 | 2,309 |
| Total noninterest income | $943,000 | 3,033 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $769,000 | 1,673 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $174,000 | 4,910 |
| Total noninterest expense | $3,920,000 | 3,085 |
| Salaries and employee benefits | $2,113,000 | 3,121 |
| Premises and equipment expense | $523,000 | 3,230 |
| Additional noninterest expense | $1,284,000 | 2,863 |
| Pre-tax net operating income | $2,726,000 | 2,405 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $927,000 | 1,984 |
| Income before extraordinary items | $1,799,000 | 2,698 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,799,000 | 2,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $374,000 | 1,067 |
| Cash dividends | $12,000 | 5,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,799,000 | 2,660 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 2,998 |
| Total interest expense | $1,146,000 | 3,757 |
| Net interest income | $3,930,000 | 2,705 |
| Provision for loan and lease losses | $210,000 | 2,058 |
| Total noninterest income | $638,000 | 2,960 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $508,000 | 1,662 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $130,000 | 4,617 |
| Total noninterest expense | $2,581,000 | 3,100 |
| Salaries and employee benefits | $1,409,000 | 3,094 |
| Premises and equipment expense | $345,000 | 3,235 |
| Additional noninterest expense | $827,000 | 2,926 |
| Pre-tax net operating income | $1,777,000 | 2,392 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $600,000 | 2,004 |
| Income before extraordinary items | $1,177,000 | 2,694 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,177,000 | 2,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 788 |
| Cash dividends | $12,000 | 4,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,177,000 | 2,651 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,506,000 | 2,986 |
| Total interest expense | $539,000 | 3,813 |
| Net interest income | $1,967,000 | 2,682 |
| Provision for loan and lease losses | $105,000 | 1,941 |
| Total noninterest income | $305,000 | 3,018 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $248,000 | 1,645 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $57,000 | 4,893 |
| Total noninterest expense | $1,308,000 | 3,082 |
| Salaries and employee benefits | $716,000 | 3,066 |
| Premises and equipment expense | $172,000 | 3,284 |
| Additional noninterest expense | $420,000 | 2,894 |
| Pre-tax net operating income | $859,000 | 2,431 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $290,000 | 2,024 |
| Income before extraordinary items | $569,000 | 2,727 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $569,000 | 2,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 697 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $569,000 | 2,678 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,510,000 | 2,959 |
| Total interest expense | $1,844,000 | 3,893 |
| Net interest income | $7,666,000 | 2,633 |
| Provision for loan and lease losses | $420,000 | 2,272 |
| Total noninterest income | $1,214,000 | 3,101 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $989,000 | 1,776 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $225,000 | 4,850 |
| Total noninterest expense | $5,101,000 | 3,058 |
| Salaries and employee benefits | $2,743,000 | 3,092 |
| Premises and equipment expense | $675,000 | 3,224 |
| Additional noninterest expense | $1,683,000 | 2,828 |
| Pre-tax net operating income | $3,359,000 | 2,348 |
| Securities gains (losses) | $10,000 | 2,824 |
| Applicable income taxes | $1,136,000 | 1,974 |
| Income before extraordinary items | $2,233,000 | 2,662 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,233,000 | 2,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,108 |
| Cash dividends | $318,000 | 4,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,226,400 | 2,616 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,043,000 | 2,961 |
| Total interest expense | $1,374,000 | 3,863 |
| Net interest income | $5,669,000 | 2,640 |
| Provision for loan and lease losses | $315,000 | 2,173 |
| Total noninterest income | $913,000 | 3,126 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $743,000 | 1,782 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $170,000 | 4,841 |
| Total noninterest expense | $3,804,000 | 3,042 |
| Salaries and employee benefits | $2,063,000 | 3,053 |
| Premises and equipment expense | $504,000 | 3,235 |
| Additional noninterest expense | $1,237,000 | 2,851 |
| Pre-tax net operating income | $2,463,000 | 2,420 |
| Securities gains (losses) | $11,000 | 2,659 |
| Applicable income taxes | $841,000 | 2,030 |
| Income before extraordinary items | $1,633,000 | 2,754 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,633,000 | 2,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,829 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,625,740 | 2,699 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,669,000 | 2,967 |
| Total interest expense | $921,000 | 3,850 |
| Net interest income | $3,748,000 | 2,643 |
| Provision for loan and lease losses | $210,000 | 2,090 |
| Total noninterest income | $594,000 | 3,194 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $488,000 | 1,794 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $106,000 | 5,055 |
| Total noninterest expense | $2,529,000 | 3,053 |
| Salaries and employee benefits | $1,390,000 | 3,038 |
| Premises and equipment expense | $332,000 | 3,268 |
| Additional noninterest expense | $807,000 | 2,916 |
| Pre-tax net operating income | $1,603,000 | 2,441 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $538,000 | 2,087 |
| Income before extraordinary items | $1,067,000 | 2,782 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,067,000 | 2,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,214 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,065,680 | 2,712 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 3,002 |
| Total interest expense | $473,000 | 3,819 |
| Net interest income | $1,839,000 | 2,696 |
| Provision for loan and lease losses | $105,000 | 2,016 |
| Total noninterest income | $294,000 | 3,156 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $243,000 | 1,755 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $51,000 | 5,085 |
| Total noninterest expense | $1,269,000 | 3,055 |
| Salaries and employee benefits | $696,000 | 3,045 |
| Premises and equipment expense | $173,000 | 3,191 |
| Additional noninterest expense | $400,000 | 2,914 |
| Pre-tax net operating income | $759,000 | 2,531 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $254,000 | 2,176 |
| Income before extraordinary items | $505,000 | 2,923 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $505,000 | 2,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $505,000 | 2,823 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,287,000 | 3,030 |
| Total interest expense | $2,168,000 | 3,765 |
| Net interest income | $7,119,000 | 2,712 |
| Provision for loan and lease losses | $485,000 | 2,218 |
| Total noninterest income | $1,313,000 | 3,111 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,029,000 | 1,672 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $284,000 | 4,614 |
| Total noninterest expense | $4,974,000 | 3,063 |
| Salaries and employee benefits | $2,667,000 | 3,093 |
| Premises and equipment expense | $634,000 | 3,367 |
| Additional noninterest expense | $1,673,000 | 2,790 |
| Pre-tax net operating income | $2,973,000 | 2,529 |
| Securities gains (losses) | $37,000 | 2,758 |
| Applicable income taxes | $1,006,000 | 2,168 |
| Income before extraordinary items | $2,004,000 | 2,861 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,004,000 | 2,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,591 |
| Cash dividends | $255,000 | 4,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,979,210 | 2,757 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,934,000 | 3,083 |
| Total interest expense | $1,656,000 | 3,834 |
| Net interest income | $5,278,000 | 2,763 |
| Provision for loan and lease losses | $385,000 | 2,081 |
| Total noninterest income | $1,026,000 | 3,078 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $773,000 | 1,675 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $253,000 | 4,358 |
| Total noninterest expense | $3,712,000 | 3,063 |
| Salaries and employee benefits | $2,036,000 | 3,042 |
| Premises and equipment expense | $473,000 | 3,368 |
| Additional noninterest expense | $1,203,000 | 2,879 |
| Pre-tax net operating income | $2,207,000 | 2,637 |
| Securities gains (losses) | $36,000 | 2,564 |
| Applicable income taxes | $735,000 | 2,322 |
| Income before extraordinary items | $1,508,000 | 2,950 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,508,000 | 2,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,923 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,483,880 | 2,846 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,571,000 | 3,128 |
| Total interest expense | $1,121,000 | 3,891 |
| Net interest income | $3,450,000 | 2,797 |
| Provision for loan and lease losses | $267,000 | 2,039 |
| Total noninterest income | $705,000 | 3,001 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $510,000 | 1,657 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $195,000 | 4,088 |
| Total noninterest expense | $2,470,000 | 3,076 |
| Salaries and employee benefits | $1,375,000 | 3,016 |
| Premises and equipment expense | $306,000 | 3,429 |
| Additional noninterest expense | $789,000 | 2,901 |
| Pre-tax net operating income | $1,418,000 | 2,715 |
| Securities gains (losses) | $36,000 | 2,247 |
| Applicable income taxes | $470,000 | 2,409 |
| Income before extraordinary items | $984,000 | 3,011 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $984,000 | 3,010 |
| 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 | $959,520 | 2,902 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,266,000 | 3,163 |
| Total interest expense | $566,000 | 3,954 |
| Net interest income | $1,700,000 | 2,838 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $310,000 | 3,175 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $236,000 | 1,724 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $74,000 | 4,499 |
| Total noninterest expense | $1,236,000 | 3,062 |
| Salaries and employee benefits | $705,000 | 2,934 |
| Premises and equipment expense | $149,000 | 3,507 |
| Additional noninterest expense | $382,000 | 2,971 |
| Pre-tax net operating income | $624,000 | 2,990 |
| Securities gains (losses) | $27,000 | 1,749 |
| Applicable income taxes | $215,000 | 2,571 |
| Income before extraordinary items | $436,000 | 3,257 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $436,000 | 3,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $417,910 | 3,192 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,401,000 | 3,184 |
| Total interest expense | $2,787,000 | 3,757 |
| Net interest income | $6,614,000 | 2,880 |
| Provision for loan and lease losses | $500,000 | 2,369 |
| Total noninterest income | $1,016,000 | 3,448 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $863,000 | 1,864 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $153,000 | 5,555 |
| Total noninterest expense | $4,965,000 | 2,944 |
| Salaries and employee benefits | $2,734,000 | 2,874 |
| Premises and equipment expense | $628,000 | 3,274 |
| Additional noninterest expense | $1,603,000 | 2,801 |
| Pre-tax net operating income | $2,165,000 | 3,252 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $716,000 | 2,800 |
| Income before extraordinary items | $1,449,000 | 3,588 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,449,000 | 3,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,858 |
| Cash dividends | $401,000 | 3,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,449,000 | 3,491 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,608,000 | 2,916 |
| Total interest expense | $5,106,000 | 3,096 |
| Net interest income | $6,502,000 | 2,739 |
| Provision for loan and lease losses | $400,000 | 2,609 |
| Total noninterest income | $981,000 | 3,381 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $869,000 | 1,749 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $112,000 | 6,154 |
| Total noninterest expense | $4,990,000 | 2,829 |
| Salaries and employee benefits | $2,811,000 | 2,664 |
| Premises and equipment expense | $554,000 | 3,587 |
| Additional noninterest expense | $1,625,000 | 2,682 |
| Pre-tax net operating income | $2,093,000 | 3,071 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $650,000 | 2,817 |
| Income before extraordinary items | $1,443,000 | 3,314 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,443,000 | 3,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $702,000 | 1,213 |
| Cash dividends | $1,002,000 | 2,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,443,000 | 3,211 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,541,000 | 3,544 |
| Total interest expense | $4,033,000 | 3,948 |
| Net interest income | $5,508,000 | 3,197 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $875,000 | 3,454 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $700,000 | 1,975 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $175,000 | 5,110 |
| Total noninterest expense | $4,692,000 | 2,888 |
| Salaries and employee benefits | $3,005,000 | 2,387 |
| Premises and equipment expense | $452,000 | 4,118 |
| Additional noninterest expense | $1,235,000 | 3,335 |
| Pre-tax net operating income | $1,691,000 | 3,727 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $551,000 | 3,283 |
| Income before extraordinary items | $1,140,000 | 4,004 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,140,000 | 4,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,566 |
| Cash dividends | $214,000 | 5,026 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 517 |
| Net operating income | $1,140,000 | 3,994 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,978,000 | 3,913 |
| Total interest expense | $3,364,000 | 4,178 |
| Net interest income | $4,614,000 | 3,701 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $712,000 | 3,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $612,000 | 2,176 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,650 |
| Total noninterest expense | $3,042,000 | 4,158 |
| Salaries and employee benefits | $1,740,000 | 3,847 |
| Premises and equipment expense | $398,000 | 4,553 |
| Additional noninterest expense | $904,000 | 4,367 |
| Pre-tax net operating income | $2,284,000 | 3,002 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $808,000 | 2,619 |
| Income before extraordinary items | $1,476,000 | 3,284 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,476,000 | 3,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,032 |
| Cash dividends | $172,000 | 5,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,476,000 | 3,245 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,926,000 | 3,970 |
| Total interest expense | $3,361,000 | 4,302 |
| Net interest income | $4,565,000 | 3,685 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $703,000 | 3,969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $614,000 | 2,086 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 6,894 |
| Total noninterest expense | $2,902,000 | 4,248 |
| Salaries and employee benefits | $1,643,000 | 3,953 |
| Premises and equipment expense | $396,000 | 4,453 |
| Additional noninterest expense | $863,000 | 4,428 |
| Pre-tax net operating income | $2,166,000 | 3,115 |
| Securities gains (losses) | $11,000 | 2,878 |
| Applicable income taxes | $783,000 | 2,792 |
| Income before extraordinary items | $1,394,000 | 3,452 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,394,000 | 3,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,973 |
| Cash dividends | $172,000 | 5,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,386,960 | 3,371 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,434,000 | 4,273 |
| Total interest expense | $2,986,000 | 4,741 |
| Net interest income | $4,448,000 | 3,849 |
| Provision for loan and lease losses | $186,000 | 3,592 |
| Total noninterest income | $796,000 | 3,579 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $688,000 | 1,898 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,568 |
| Total noninterest expense | $2,831,000 | 4,292 |
| Salaries and employee benefits | $1,604,000 | 4,006 |
| Premises and equipment expense | $404,000 | 4,422 |
| Additional noninterest expense | $823,000 | 4,626 |
| Pre-tax net operating income | $2,227,000 | 3,215 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $808,000 | 2,903 |
| Income before extraordinary items | $1,417,000 | 3,529 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,417,000 | 3,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $324,000 | 4,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,418,280 | 3,452 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,112,000 | 4,519 |
| Total interest expense | $2,917,000 | 4,908 |
| Net interest income | $4,195,000 | 4,154 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $781,000 | 3,771 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $674,000 | 2,007 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,940 |
| Total noninterest expense | $2,738,000 | 4,646 |
| Salaries and employee benefits | $1,551,000 | 4,183 |
| Premises and equipment expense | $364,000 | 4,892 |
| Additional noninterest expense | $823,000 | 5,100 |
| Pre-tax net operating income | $2,226,000 | 3,123 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $802,000 | 2,834 |
| Income before extraordinary items | $1,428,000 | 3,348 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,428,000 | 3,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,429 |
| Cash dividends | $119,000 | 6,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,425,440 | 3,308 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,440,000 | 4,894 |
| Total interest expense | $2,542,000 | 5,490 |
| Net interest income | $3,898,000 | 4,409 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $632,000 | 4,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $530,000 | 2,539 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,172 |
| Total noninterest expense | $2,539,000 | 4,935 |
| Salaries and employee benefits | $1,390,000 | 4,588 |
| Premises and equipment expense | $329,000 | 5,259 |
| Additional noninterest expense | $820,000 | 5,150 |
| Pre-tax net operating income | $1,991,000 | 3,509 |
| Securities gains (losses) | $-46,000 | 11,123 |
| Applicable income taxes | $546,000 | 3,928 |
| Income before extraordinary items | $1,399,000 | 3,470 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,399,000 | 3,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $119,000 | 6,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,432,120 | 3,358 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,511,000 | 5,233 |
| Total interest expense | $1,927,000 | 5,776 |
| Net interest income | $3,584,000 | 4,845 |
| Provision for loan and lease losses | $21,000 | 7,711 |
| Total noninterest income | $540,000 | 5,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $439,000 | 3,116 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,482 |
| Total noninterest expense | $2,536,000 | 5,103 |
| Salaries and employee benefits | $1,205,000 | 5,221 |
| Premises and equipment expense | $328,000 | 5,336 |
| Additional noninterest expense | $1,003,000 | 4,701 |
| Pre-tax net operating income | $1,567,000 | 4,251 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $528,000 | 3,898 |
| Income before extraordinary items | $1,039,000 | 4,390 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,039,000 | 4,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $121,000 | 6,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,039,000 | 4,448 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,916,000 | 5,864 |
| Total interest expense | $1,921,000 | 6,038 |
| Net interest income | $2,995,000 | 5,660 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $519,000 | 5,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,342 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,719 |
| Total noninterest expense | $2,392,000 | 5,473 |
| Salaries and employee benefits | $1,111,000 | 5,590 |
| Premises and equipment expense | $392,000 | 4,794 |
| Additional noninterest expense | $889,000 | 5,422 |
| Pre-tax net operating income | $1,097,000 | 5,519 |
| Securities gains (losses) | $-12,000 | 12,812 |
| Applicable income taxes | $297,000 | 6,114 |
| Income before extraordinary items | $788,000 | 5,628 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $788,000 | 5,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $324,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $796,760 | 5,355 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,840,000 | 6,545 |
| Total interest expense | $2,259,000 | 6,485 |
| Net interest income | $2,581,000 | 6,435 |
| Provision for loan and lease losses | $11,000 | 11,121 |
| Total noninterest income | $459,000 | 5,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $362,000 | 3,798 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 8,166 |
| Total noninterest expense | $2,147,000 | 6,038 |
| Salaries and employee benefits | $973,000 | 6,180 |
| Premises and equipment expense | $295,000 | 6,046 |
| Additional noninterest expense | $879,000 | 5,634 |
| Pre-tax net operating income | $882,000 | 6,192 |
| Securities gains (losses) | $63,000 | 3,745 |
| Applicable income taxes | $288,000 | 6,101 |
| Income before extraordinary items | $657,000 | 6,185 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $657,000 | 6,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $345,000 | 3,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $612,900 | 6,118 |
* 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.