Home > Pepperell Bank & Trust > Income and Expense
Pepperell Bank & Trust, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,021,000 | 5,232 |
| Total interest expense | $2,069,000 | 3,931 |
| Net interest income | $952,000 | 6,693 |
| Provision for loan and lease losses | $70,000 | 3,835 |
| Total noninterest income | $112,000 | 6,646 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $59,000 | 5,840 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $53,000 | 6,185 |
| Total noninterest expense | $2,312,000 | 3,680 |
| Salaries and employee benefits | $1,286,000 | 3,669 |
| Premises and equipment expense | $296,000 | 3,886 |
| Additional noninterest expense | $730,000 | 3,436 |
| Pre-tax net operating income | $-1,318,000 | 8,508 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-1,318,000 | 8,531 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,318,000 | 8,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,385 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-1,318,000 | 8,518 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 5,240 |
| Total interest expense | $1,016,000 | 3,967 |
| Net interest income | $490,000 | 6,658 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $64,000 | 6,402 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $27,000 | 5,944 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $37,000 | 5,638 |
| Total noninterest expense | $1,195,000 | 3,584 |
| Salaries and employee benefits | $649,000 | 3,669 |
| Premises and equipment expense | $157,000 | 3,744 |
| Additional noninterest expense | $389,000 | 3,246 |
| Pre-tax net operating income | $-641,000 | 8,551 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-641,000 | 8,564 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-641,000 | 8,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-641,000 | 8,557 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,461,000 | 5,307 |
| Total interest expense | $3,309,000 | 4,067 |
| Net interest income | $2,152,000 | 6,390 |
| Provision for loan and lease losses | $-135,000 | 8,502 |
| Total noninterest income | $217,000 | 6,776 |
| Gross Fiduciary activities income | $10,000 | 1,273 |
| Service charges on deposit accounts | $110,000 | 6,016 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $97,000 | 6,375 |
| Total noninterest expense | $4,409,000 | 3,684 |
| Salaries and employee benefits | $2,373,000 | 3,751 |
| Premises and equipment expense | $537,000 | 4,067 |
| Additional noninterest expense | $1,499,000 | 3,287 |
| Pre-tax net operating income | $-1,905,000 | 8,569 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-1,905,000 | 8,589 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,905,000 | 8,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,181 |
| Cash dividends | $55,000 | 5,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-1,905,000 | 8,579 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,984,000 | 5,380 |
| Total interest expense | $2,383,000 | 4,086 |
| Net interest income | $1,601,000 | 6,478 |
| Provision for loan and lease losses | $128,000 | 3,730 |
| Total noninterest income | $244,000 | 6,065 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $85,000 | 6,038 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $159,000 | 5,017 |
| Total noninterest expense | $3,109,000 | 3,876 |
| Salaries and employee benefits | $1,687,000 | 3,900 |
| Premises and equipment expense | $384,000 | 4,200 |
| Additional noninterest expense | $1,038,000 | 3,509 |
| Pre-tax net operating income | $-1,392,000 | 8,649 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-1,392,000 | 8,663 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-1,392,000 | 8,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,361 |
| Cash dividends | $44,000 | 5,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-1,392,000 | 8,658 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,645,000 | 5,361 |
| Total interest expense | $1,530,000 | 4,064 |
| Net interest income | $1,115,000 | 6,401 |
| Provision for loan and lease losses | $128,000 | 2,909 |
| Total noninterest income | $152,000 | 6,210 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $53,000 | 6,170 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,149 |
| Total noninterest expense | $2,124,000 | 3,807 |
| Salaries and employee benefits | $1,146,000 | 3,871 |
| Premises and equipment expense | $258,000 | 4,192 |
| Additional noninterest expense | $720,000 | 3,395 |
| Pre-tax net operating income | $-985,000 | 8,684 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-985,000 | 8,702 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-985,000 | 8,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $45,000 | 4,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-985,000 | 8,691 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,320,000 | 5,317 |
| Total interest expense | $745,000 | 4,015 |
| Net interest income | $575,000 | 6,344 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $78,000 | 6,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $23,000 | 6,323 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,927 |
| Total noninterest expense | $999,000 | 4,022 |
| Salaries and employee benefits | $543,000 | 4,045 |
| Premises and equipment expense | $126,000 | 4,273 |
| Additional noninterest expense | $330,000 | 3,609 |
| Pre-tax net operating income | $-346,000 | 8,635 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-346,000 | 8,658 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-346,000 | 8,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,228 |
| Cash dividends | $45,000 | 3,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-346,000 | 8,649 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,338,000 | 5,591 |
| Total interest expense | $1,807,000 | 4,731 |
| Net interest income | $2,531,000 | 6,011 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $464,000 | 5,419 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $87,000 | 6,464 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $377,000 | 3,876 |
| Total noninterest expense | $3,939,000 | 3,906 |
| Salaries and employee benefits | $2,019,000 | 4,097 |
| Premises and equipment expense | $469,000 | 4,372 |
| Additional noninterest expense | $1,451,000 | 3,318 |
| Pre-tax net operating income | $-944,000 | 8,627 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $126,000 | 5,173 |
| Income before extraordinary items | $-1,070,000 | 8,681 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,070,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,766 |
| Cash dividends | $180,000 | 5,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-1,070,000 | 8,664 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,278,000 | 5,540 |
| Total interest expense | $1,295,000 | 4,725 |
| Net interest income | $1,983,000 | 5,908 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $493,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $71,000 | 6,407 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $422,000 | 3,191 |
| Total noninterest expense | $2,882,000 | 3,952 |
| Salaries and employee benefits | $1,494,000 | 4,111 |
| Premises and equipment expense | $411,000 | 3,892 |
| Additional noninterest expense | $977,000 | 3,568 |
| Pre-tax net operating income | $-406,000 | 8,570 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-406,000 | 8,608 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-406,000 | 8,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,917 |
| Cash dividends | $135,000 | 4,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-406,000 | 8,581 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,200,000 | 5,454 |
| Total interest expense | $841,000 | 4,646 |
| Net interest income | $1,359,000 | 5,818 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $236,000 | 5,360 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $62,000 | 5,950 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $174,000 | 4,010 |
| Total noninterest expense | $1,829,000 | 4,089 |
| Salaries and employee benefits | $961,000 | 4,197 |
| Premises and equipment expense | $279,000 | 3,826 |
| Additional noninterest expense | $589,000 | 3,867 |
| Pre-tax net operating income | $-234,000 | 8,576 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-234,000 | 8,604 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-234,000 | 8,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,656 |
| Cash dividends | $90,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-234,000 | 8,577 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,155,000 | 5,293 |
| Total interest expense | $419,000 | 4,530 |
| Net interest income | $736,000 | 5,590 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $55,000 | 6,909 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $887,000 | 4,217 |
| Salaries and employee benefits | $461,000 | 4,352 |
| Premises and equipment expense | $146,000 | 3,725 |
| Additional noninterest expense | $280,000 | 4,012 |
| Pre-tax net operating income | $-96,000 | 8,640 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-96,000 | 8,664 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-96,000 | 8,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,985 |
| Cash dividends | $45,000 | 3,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-96,000 | 8,641 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,720,000 | 5,038 |
| Total interest expense | $1,872,000 | 3,841 |
| Net interest income | $2,848,000 | 5,579 |
| Provision for loan and lease losses | $437,000 | 2,208 |
| Total noninterest income | $579,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $124,000 | 6,118 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $455,000 | 3,489 |
| Total noninterest expense | $2,941,000 | 4,723 |
| Salaries and employee benefits | $1,480,000 | 5,004 |
| Premises and equipment expense | $588,000 | 3,585 |
| Additional noninterest expense | $873,000 | 4,799 |
| Pre-tax net operating income | $49,000 | 8,252 |
| Securities gains (losses) | $-14,000 | 8,305 |
| Applicable income taxes | $-18,000 | 8,611 |
| Income before extraordinary items | $53,000 | 8,268 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $53,000 | 8,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,848 |
| Cash dividends | $180,000 | 4,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $67,000 | 8,177 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,549,000 | 5,011 |
| Total interest expense | $1,420,000 | 3,770 |
| Net interest income | $2,129,000 | 5,585 |
| Provision for loan and lease losses | $724,000 | 1,051 |
| Total noninterest income | $402,000 | 5,117 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $88,000 | 6,250 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $314,000 | 3,647 |
| Total noninterest expense | $2,064,000 | 4,932 |
| Salaries and employee benefits | $1,032,000 | 5,207 |
| Premises and equipment expense | $366,000 | 4,156 |
| Additional noninterest expense | $666,000 | 4,704 |
| Pre-tax net operating income | $-257,000 | 8,675 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $62,000 | 5,802 |
| Income before extraordinary items | $-318,000 | 8,739 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-318,000 | 8,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $105,000 | 4,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-319,000 | 8,717 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 5,024 |
| Total interest expense | $956,000 | 3,741 |
| Net interest income | $1,409,000 | 5,608 |
| Provision for loan and lease losses | $176,000 | 2,457 |
| Total noninterest income | $176,000 | 6,112 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $51,000 | 6,505 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $125,000 | 4,692 |
| Total noninterest expense | $1,306,000 | 5,127 |
| Salaries and employee benefits | $672,000 | 5,329 |
| Premises and equipment expense | $249,000 | 4,088 |
| Additional noninterest expense | $385,000 | 5,193 |
| Pre-tax net operating income | $103,000 | 7,901 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $62,000 | 5,405 |
| Income before extraordinary items | $41,000 | 8,305 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,066 |
| Cash dividends | $90,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $41,000 | 8,243 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,188,000 | 5,035 |
| Total interest expense | $481,000 | 3,756 |
| Net interest income | $707,000 | 5,598 |
| Provision for loan and lease losses | $69,000 | 2,785 |
| Total noninterest income | $135,000 | 5,039 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $22,000 | 6,668 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $113,000 | 3,446 |
| Total noninterest expense | $610,000 | 5,396 |
| Salaries and employee benefits | $318,000 | 5,540 |
| Premises and equipment expense | $120,000 | 4,238 |
| Additional noninterest expense | $172,000 | 5,571 |
| Pre-tax net operating income | $163,000 | 6,273 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $62,000 | 4,533 |
| Income before extraordinary items | $101,000 | 6,861 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $101,000 | 6,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,391 |
| Cash dividends | $45,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $101,000 | 6,759 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,107,000 | 4,817 |
| Total interest expense | $2,241,000 | 3,645 |
| Net interest income | $2,866,000 | 5,446 |
| Provision for loan and lease losses | $182,000 | 4,191 |
| Total noninterest income | $414,000 | 5,900 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $111,000 | 6,395 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $303,000 | 4,486 |
| Total noninterest expense | $2,048,000 | 5,919 |
| Salaries and employee benefits | $987,000 | 6,309 |
| Premises and equipment expense | $408,000 | 4,675 |
| Additional noninterest expense | $653,000 | 5,716 |
| Pre-tax net operating income | $1,050,000 | 5,047 |
| Securities gains (losses) | $58,000 | 2,371 |
| Applicable income taxes | $357,000 | 4,003 |
| Income before extraordinary items | $751,000 | 5,394 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $751,000 | 5,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,097 |
| Cash dividends | $135,000 | 5,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $711,560 | 5,376 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,839,000 | 4,860 |
| Total interest expense | $1,726,000 | 3,682 |
| Net interest income | $2,113,000 | 5,539 |
| Provision for loan and lease losses | $157,000 | 3,820 |
| Total noninterest income | $403,000 | 5,293 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $84,000 | 6,425 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $319,000 | 3,935 |
| Total noninterest expense | $1,524,000 | 5,923 |
| Salaries and employee benefits | $760,000 | 6,182 |
| Premises and equipment expense | $311,000 | 4,602 |
| Additional noninterest expense | $453,000 | 5,958 |
| Pre-tax net operating income | $835,000 | 5,010 |
| Securities gains (losses) | $85,000 | 1,886 |
| Applicable income taxes | $292,000 | 3,962 |
| Income before extraordinary items | $628,000 | 5,279 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $628,000 | 5,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,539 |
| Cash dividends | $90,000 | 4,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $570,200 | 5,343 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,552,000 | 4,919 |
| Total interest expense | $1,178,000 | 3,722 |
| Net interest income | $1,374,000 | 5,615 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $205,000 | 5,942 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $58,000 | 6,356 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $147,000 | 4,602 |
| Total noninterest expense | $986,000 | 6,031 |
| Salaries and employee benefits | $508,000 | 6,205 |
| Premises and equipment expense | $210,000 | 4,570 |
| Additional noninterest expense | $268,000 | 6,326 |
| Pre-tax net operating income | $473,000 | 5,455 |
| Securities gains (losses) | $84,000 | 1,639 |
| Applicable income taxes | $175,000 | 4,229 |
| Income before extraordinary items | $382,000 | 5,532 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $382,000 | 5,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $45,000 | 4,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $324,040 | 5,718 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,283,000 | 4,921 |
| Total interest expense | $596,000 | 3,773 |
| Net interest income | $687,000 | 5,605 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $71,000 | 6,688 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 5,547 |
| Total noninterest expense | $518,000 | 5,884 |
| Salaries and employee benefits | $276,000 | 5,902 |
| Premises and equipment expense | $106,000 | 4,525 |
| Additional noninterest expense | $136,000 | 6,282 |
| Pre-tax net operating income | $180,000 | 6,085 |
| Securities gains (losses) | $75,000 | 1,152 |
| Applicable income taxes | $74,000 | 4,503 |
| Income before extraordinary items | $181,000 | 5,570 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $181,000 | 5,569 |
| 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 | $127,750 | 6,241 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,057,000 | 5,863 |
| Total interest expense | $1,733,000 | 5,255 |
| Net interest income | $2,324,000 | 6,144 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $308,000 | 6,401 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $121,000 | 6,236 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $187,000 | 5,163 |
| Total noninterest expense | $1,956,000 | 5,949 |
| Salaries and employee benefits | $975,000 | 6,236 |
| Premises and equipment expense | $381,000 | 4,820 |
| Additional noninterest expense | $600,000 | 5,930 |
| Pre-tax net operating income | $476,000 | 6,859 |
| Securities gains (losses) | $147,000 | 1,406 |
| Applicable income taxes | $160,000 | 5,437 |
| Income before extraordinary items | $463,000 | 6,559 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $463,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,634 |
| Cash dividends | $85,000 | 5,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $354,220 | 6,932 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,096,000 | 6,275 |
| Total interest expense | $1,925,000 | 6,214 |
| Net interest income | $2,171,000 | 6,166 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $212,000 | 7,192 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $127,000 | 6,132 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $85,000 | 6,770 |
| Total noninterest expense | $1,971,000 | 5,789 |
| Salaries and employee benefits | $1,035,000 | 5,865 |
| Premises and equipment expense | $497,000 | 3,888 |
| Additional noninterest expense | $439,000 | 6,860 |
| Pre-tax net operating income | $292,000 | 7,449 |
| Securities gains (losses) | $10,000 | 3,593 |
| Applicable income taxes | $108,000 | 5,918 |
| Income before extraordinary items | $194,000 | 7,783 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $194,000 | 7,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,995 |
| Cash dividends | $91,000 | 5,829 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $187,600 | 7,704 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,223,000 | 6,309 |
| Total interest expense | $1,865,000 | 6,483 |
| Net interest income | $2,358,000 | 6,026 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $225,000 | 7,026 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 6,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 5,785 |
| Total noninterest expense | $1,962,000 | 5,751 |
| Salaries and employee benefits | $979,000 | 6,007 |
| Premises and equipment expense | $176,000 | 7,142 |
| Additional noninterest expense | $807,000 | 4,708 |
| Pre-tax net operating income | $501,000 | 6,995 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $177,000 | 5,644 |
| Income before extraordinary items | $324,000 | 7,326 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $324,000 | 7,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,537 |
| Cash dividends | $90,000 | 6,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $324,000 | 7,327 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,435,000 | 6,895 |
| Total interest expense | $1,365,000 | 7,270 |
| Net interest income | $2,070,000 | 6,519 |
| Provision for loan and lease losses | $135,000 | 4,497 |
| Total noninterest income | $218,000 | 7,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,217 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 5,733 |
| Total noninterest expense | $1,828,000 | 6,021 |
| Salaries and employee benefits | $910,000 | 6,256 |
| Premises and equipment expense | $420,000 | 4,357 |
| Additional noninterest expense | $498,000 | 6,530 |
| Pre-tax net operating income | $325,000 | 7,949 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $-28,000 | 9,752 |
| Income before extraordinary items | $357,000 | 7,245 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $357,000 | 7,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,895 |
| Cash dividends | $115,000 | 5,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $353,000 | 7,242 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,106,000 | 7,405 |
| Total interest expense | $1,293,000 | 7,694 |
| Net interest income | $1,813,000 | 7,022 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $178,000 | 7,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,772 |
| Total noninterest expense | $1,720,000 | 6,184 |
| Salaries and employee benefits | $891,000 | 6,250 |
| Premises and equipment expense | $254,000 | 5,912 |
| Additional noninterest expense | $575,000 | 5,911 |
| Pre-tax net operating income | $181,000 | 9,007 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $18,000 | 8,924 |
| Income before extraordinary items | $172,000 | 8,828 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $172,000 | 8,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,028 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $163,810 | 8,822 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,757,000 | 8,060 |
| Total interest expense | $1,130,000 | 8,319 |
| Net interest income | $1,627,000 | 7,715 |
| Provision for loan and lease losses | $127,000 | 4,498 |
| Total noninterest income | $145,000 | 8,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,572 |
| Total noninterest expense | $1,415,000 | 6,996 |
| Salaries and employee benefits | $788,000 | 6,849 |
| Premises and equipment expense | $175,000 | 7,289 |
| Additional noninterest expense | $452,000 | 6,902 |
| Pre-tax net operating income | $230,000 | 9,404 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $-70,000 | 10,666 |
| Income before extraordinary items | $301,000 | 8,366 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $301,000 | 8,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,126 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $191,000 | 684 |
| Net operating income | $300,000 | 8,331 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,641,000 | 8,506 |
| Total interest expense | $1,099,000 | 8,700 |
| Net interest income | $1,542,000 | 8,168 |
| Provision for loan and lease losses | $156,000 | 3,974 |
| Total noninterest income | $247,000 | 7,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 8,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 5,615 |
| Total noninterest expense | $1,442,000 | 7,281 |
| Salaries and employee benefits | $720,000 | 7,394 |
| Premises and equipment expense | $171,000 | 7,604 |
| Additional noninterest expense | $551,000 | 6,674 |
| Pre-tax net operating income | $191,000 | 9,838 |
| Securities gains (losses) | $19,000 | 2,034 |
| Applicable income taxes | $4,000 | 10,471 |
| Income before extraordinary items | $206,000 | 9,235 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $206,000 | 9,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,887 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 551 |
| Net operating income | $187,380 | 9,364 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 9,127 |
| Total interest expense | $1,086,000 | 8,945 |
| Net interest income | $1,309,000 | 9,051 |
| Provision for loan and lease losses | $142,000 | 3,759 |
| Total noninterest income | $193,000 | 8,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,757 |
| Total noninterest expense | $1,375,000 | 7,662 |
| Salaries and employee benefits | $717,000 | 7,612 |
| Premises and equipment expense | $168,000 | 7,858 |
| Additional noninterest expense | $490,000 | 7,341 |
| Pre-tax net operating income | $-18,000 | 11,523 |
| Securities gains (losses) | $10,000 | 2,384 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-8,000 | 11,515 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-8,000 | 11,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,506 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-18,000 | 11,503 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,961,000 | 9,868 |
| Total interest expense | $738,000 | 9,888 |
| Net interest income | $1,223,000 | 9,699 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $164,000 | 9,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,618 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,157 |
| Total noninterest expense | $1,298,000 | 8,251 |
| Salaries and employee benefits | $640,000 | 8,337 |
| Premises and equipment expense | $152,000 | 8,497 |
| Additional noninterest expense | $506,000 | 7,780 |
| Pre-tax net operating income | $-11,000 | 12,118 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $21,000 | 11,132 |
| Income before extraordinary items | $-32,000 | 12,085 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-32,000 | 12,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,075 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,137 |
| Net operating income | $-32,000 | 12,107 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 10,102 |
| Total interest expense | $800,000 | 10,055 |
| Net interest income | $1,237,000 | 9,942 |
| Provision for loan and lease losses | $153,000 | 4,591 |
| Total noninterest income | $108,000 | 11,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,937 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $1,413,000 | 8,137 |
| Salaries and employee benefits | $783,000 | 7,421 |
| Premises and equipment expense | $150,000 | 8,908 |
| Additional noninterest expense | $480,000 | 8,427 |
| Pre-tax net operating income | $-221,000 | 12,709 |
| Securities gains (losses) | $30,000 | 4,104 |
| Applicable income taxes | $-21,000 | 12,827 |
| Income before extraordinary items | $-170,000 | 12,733 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-170,000 | 12,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,934 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $745,000 | 527 |
| Net operating income | $-196,700 | 12,675 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 10,428 |
| Total interest expense | $1,055,000 | 10,162 |
| Net interest income | $1,168,000 | 10,435 |
| Provision for loan and lease losses | $447,000 | 3,235 |
| Total noninterest income | $124,000 | 11,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 9,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,399 |
| Total noninterest expense | $1,737,000 | 7,159 |
| Salaries and employee benefits | $869,000 | 6,816 |
| Premises and equipment expense | $149,000 | 9,148 |
| Additional noninterest expense | $719,000 | 6,637 |
| Pre-tax net operating income | $-892,000 | 13,453 |
| Securities gains (losses) | $64,000 | 3,722 |
| Applicable income taxes | $-70,000 | 13,539 |
| Income before extraordinary items | $-758,000 | 13,485 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-758,000 | 13,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 2,873 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-816,880 | 13,418 |
* 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.