Home > Public Bank > Income and Expense
Public Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,301,000 | 1,490 |
| Total interest expense | $3,388,000 | 1,459 |
| Net interest income | $3,913,000 | 1,463 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $597,000 | 1,955 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $287,000 | 1,495 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $310,000 | 1,910 |
| Total noninterest expense | $2,139,000 | 2,162 |
| Salaries and employee benefits | $1,289,000 | 1,994 |
| Premises and equipment expense | $304,000 | 2,145 |
| Additional noninterest expense | $546,000 | 2,411 |
| Pre-tax net operating income | $2,321,000 | 1,012 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $863,000 | 806 |
| Income before extraordinary items | $1,458,000 | 1,212 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,458,000 | 1,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $1,000,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,458,000 | 1,194 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $27,241,000 | 1,466 |
| Total interest expense | $10,962,000 | 1,544 |
| Net interest income | $16,279,000 | 1,399 |
| Provision for loan and lease losses | $160,000 | 3,939 |
| Total noninterest income | $2,574,000 | 1,841 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,261,000 | 1,419 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,313,000 | 1,827 |
| Total noninterest expense | $8,340,000 | 2,121 |
| Salaries and employee benefits | $5,191,000 | 1,872 |
| Premises and equipment expense | $1,199,000 | 2,079 |
| Additional noninterest expense | $1,950,000 | 2,624 |
| Pre-tax net operating income | $10,353,000 | 948 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,876,000 | 775 |
| Income before extraordinary items | $6,477,000 | 1,138 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,477,000 | 1,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,970 |
| Cash dividends | $3,100,000 | 1,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,477,000 | 1,127 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,046,000 | 1,482 |
| Total interest expense | $7,720,000 | 1,591 |
| Net interest income | $12,326,000 | 1,405 |
| Provision for loan and lease losses | $140,000 | 3,511 |
| Total noninterest income | $1,915,000 | 1,868 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $954,000 | 1,411 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $961,000 | 1,874 |
| Total noninterest expense | $6,310,000 | 2,093 |
| Salaries and employee benefits | $3,959,000 | 1,840 |
| Premises and equipment expense | $916,000 | 2,059 |
| Additional noninterest expense | $1,435,000 | 2,662 |
| Pre-tax net operating income | $7,791,000 | 993 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,920,000 | 808 |
| Income before extraordinary items | $4,871,000 | 1,174 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,871,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,896 |
| Cash dividends | $2,300,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,871,000 | 1,164 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,018,000 | 1,487 |
| Total interest expense | $4,760,000 | 1,638 |
| Net interest income | $8,258,000 | 1,398 |
| Provision for loan and lease losses | $140,000 | 2,761 |
| Total noninterest income | $1,300,000 | 1,837 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $645,000 | 1,369 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $655,000 | 1,849 |
| Total noninterest expense | $4,247,000 | 2,074 |
| Salaries and employee benefits | $2,724,000 | 1,800 |
| Premises and equipment expense | $616,000 | 2,037 |
| Additional noninterest expense | $907,000 | 2,798 |
| Pre-tax net operating income | $5,171,000 | 990 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,940,000 | 815 |
| Income before extraordinary items | $3,231,000 | 1,182 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,231,000 | 1,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $1,500,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,231,000 | 1,169 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,435,000 | 1,468 |
| Total interest expense | $2,187,000 | 1,686 |
| Net interest income | $4,248,000 | 1,351 |
| Provision for loan and lease losses | $40,000 | 3,523 |
| Total noninterest income | $654,000 | 1,795 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $327,000 | 1,310 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $327,000 | 1,814 |
| Total noninterest expense | $2,079,000 | 2,130 |
| Salaries and employee benefits | $1,414,000 | 1,734 |
| Premises and equipment expense | $297,000 | 2,120 |
| Additional noninterest expense | $368,000 | 3,340 |
| Pre-tax net operating income | $2,783,000 | 915 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,046,000 | 759 |
| Income before extraordinary items | $1,737,000 | 1,082 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,737,000 | 1,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $750,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,737,000 | 1,069 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,193,000 | 1,597 |
| Total interest expense | $6,147,000 | 1,848 |
| Net interest income | $15,046,000 | 1,459 |
| Provision for loan and lease losses | $385,000 | 2,339 |
| Total noninterest income | $3,038,000 | 1,589 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,469,000 | 1,215 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,569,000 | 1,608 |
| Total noninterest expense | $8,229,000 | 2,029 |
| Salaries and employee benefits | $5,059,000 | 1,839 |
| Premises and equipment expense | $1,146,000 | 2,094 |
| Additional noninterest expense | $2,024,000 | 2,462 |
| Pre-tax net operating income | $9,470,000 | 1,030 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,537,000 | 852 |
| Income before extraordinary items | $5,933,000 | 1,216 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,933,000 | 1,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,813 |
| Cash dividends | $1,625,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,933,000 | 1,195 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,273,000 | 1,617 |
| Total interest expense | $4,247,000 | 1,881 |
| Net interest income | $11,026,000 | 1,471 |
| Provision for loan and lease losses | $330,000 | 2,034 |
| Total noninterest income | $2,313,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,091,000 | 1,208 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,222,000 | 1,566 |
| Total noninterest expense | $6,202,000 | 2,001 |
| Salaries and employee benefits | $3,804,000 | 1,825 |
| Premises and equipment expense | $856,000 | 2,077 |
| Additional noninterest expense | $1,542,000 | 2,384 |
| Pre-tax net operating income | $6,807,000 | 1,060 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,539,000 | 890 |
| Income before extraordinary items | $4,268,000 | 1,269 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,268,000 | 1,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,263 |
| Cash dividends | $1,150,000 | 1,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,268,000 | 1,238 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,768,000 | 1,643 |
| Total interest expense | $2,601,000 | 1,920 |
| Net interest income | $7,167,000 | 1,485 |
| Provision for loan and lease losses | $95,000 | 3,438 |
| Total noninterest income | $1,554,000 | 1,550 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $718,000 | 1,186 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $836,000 | 1,529 |
| Total noninterest expense | $4,134,000 | 1,988 |
| Salaries and employee benefits | $2,533,000 | 1,809 |
| Premises and equipment expense | $555,000 | 2,130 |
| Additional noninterest expense | $1,046,000 | 2,332 |
| Pre-tax net operating income | $4,492,000 | 1,057 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,675,000 | 877 |
| Income before extraordinary items | $2,817,000 | 1,251 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,817,000 | 1,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,892 |
| Cash dividends | $675,000 | 1,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,817,000 | 1,224 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,655,000 | 1,684 |
| Total interest expense | $1,201,000 | 1,969 |
| Net interest income | $3,454,000 | 1,537 |
| Provision for loan and lease losses | $70,000 | 2,663 |
| Total noninterest income | $839,000 | 1,436 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $352,000 | 1,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $487,000 | 1,344 |
| Total noninterest expense | $2,051,000 | 2,020 |
| Salaries and employee benefits | $1,263,000 | 1,827 |
| Premises and equipment expense | $270,000 | 2,205 |
| Additional noninterest expense | $518,000 | 2,349 |
| Pre-tax net operating income | $2,172,000 | 1,066 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $809,000 | 897 |
| Income before extraordinary items | $1,363,000 | 1,271 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,363,000 | 1,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,217 |
| Cash dividends | $325,000 | 1,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,363,000 | 1,247 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,431,000 | 1,656 |
| Total interest expense | $4,621,000 | 1,760 |
| Net interest income | $12,810,000 | 1,592 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $2,820,000 | 1,695 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,653,000 | 1,079 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,167,000 | 1,948 |
| Total noninterest expense | $8,310,000 | 1,928 |
| Salaries and employee benefits | $5,015,000 | 1,757 |
| Premises and equipment expense | $1,113,000 | 2,063 |
| Additional noninterest expense | $2,182,000 | 2,233 |
| Pre-tax net operating income | $7,290,000 | 1,190 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,703,000 | 974 |
| Income before extraordinary items | $4,587,000 | 1,407 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,587,000 | 1,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,982 |
| Cash dividends | $1,225,000 | 2,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,587,000 | 1,366 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,863,000 | 1,665 |
| Total interest expense | $3,494,000 | 1,722 |
| Net interest income | $9,369,000 | 1,617 |
| Provision for loan and lease losses | $30,000 | 5,981 |
| Total noninterest income | $2,161,000 | 1,666 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,285,000 | 1,047 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $876,000 | 1,953 |
| Total noninterest expense | $6,236,000 | 1,924 |
| Salaries and employee benefits | $3,747,000 | 1,750 |
| Premises and equipment expense | $871,000 | 1,989 |
| Additional noninterest expense | $1,618,000 | 2,236 |
| Pre-tax net operating income | $5,264,000 | 1,248 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,950,000 | 1,033 |
| Income before extraordinary items | $3,314,000 | 1,488 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,314,000 | 1,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,473 |
| Cash dividends | $950,000 | 1,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,314,000 | 1,441 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,634,000 | 1,634 |
| Total interest expense | $2,390,000 | 1,667 |
| Net interest income | $6,244,000 | 1,599 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $1,460,000 | 1,645 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $870,000 | 1,013 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $590,000 | 1,945 |
| Total noninterest expense | $4,145,000 | 1,930 |
| Salaries and employee benefits | $2,538,000 | 1,729 |
| Premises and equipment expense | $585,000 | 1,959 |
| Additional noninterest expense | $1,022,000 | 2,347 |
| Pre-tax net operating income | $3,529,000 | 1,218 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,308,000 | 1,034 |
| Income before extraordinary items | $2,221,000 | 1,453 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,221,000 | 1,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,198 |
| Cash dividends | $950,000 | 1,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,221,000 | 1,400 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,276,000 | 3,041 |
| Total interest expense | $580,000 | 3,202 |
| Net interest income | $1,696,000 | 2,922 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $401,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $273,000 | 1,572 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $128,000 | 3,215 |
| Total noninterest expense | $1,072,000 | 3,566 |
| Salaries and employee benefits | $647,000 | 3,238 |
| Premises and equipment expense | $140,000 | 3,776 |
| Additional noninterest expense | $285,000 | 3,900 |
| Pre-tax net operating income | $1,005,000 | 1,995 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $383,000 | 1,622 |
| Income before extraordinary items | $622,000 | 2,414 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $622,000 | 2,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,902 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $622,000 | 2,329 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,889,000 | 3,148 |
| Total interest expense | $3,023,000 | 2,845 |
| Net interest income | $5,866,000 | 3,249 |
| Provision for loan and lease losses | $225,000 | 3,797 |
| Total noninterest income | $1,943,000 | 2,364 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,191,000 | 1,451 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $752,000 | 2,837 |
| Total noninterest expense | $4,381,000 | 3,426 |
| Salaries and employee benefits | $2,684,000 | 3,066 |
| Premises and equipment expense | $642,000 | 3,327 |
| Additional noninterest expense | $1,055,000 | 4,100 |
| Pre-tax net operating income | $3,203,000 | 2,378 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,216,000 | 1,922 |
| Income before extraordinary items | $1,987,000 | 2,887 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,987,000 | 2,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,719 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,987,000 | 2,753 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,522,000 | 3,244 |
| Total interest expense | $2,343,000 | 2,849 |
| Net interest income | $4,179,000 | 3,396 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $1,489,000 | 2,372 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $889,000 | 1,473 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $600,000 | 2,833 |
| Total noninterest expense | $3,349,000 | 3,359 |
| Salaries and employee benefits | $2,025,000 | 3,061 |
| Premises and equipment expense | $491,000 | 3,272 |
| Additional noninterest expense | $833,000 | 3,957 |
| Pre-tax net operating income | $2,094,000 | 2,750 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $793,000 | 2,214 |
| Income before extraordinary items | $1,301,000 | 3,281 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,301,000 | 3,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,323 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,301,000 | 3,131 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,234,000 | 3,334 |
| Total interest expense | $1,573,000 | 2,923 |
| Net interest income | $2,661,000 | 3,524 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $925,000 | 2,479 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $584,000 | 1,471 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $341,000 | 3,064 |
| Total noninterest expense | $2,197,000 | 3,405 |
| Salaries and employee benefits | $1,337,000 | 3,084 |
| Premises and equipment expense | $327,000 | 3,261 |
| Additional noninterest expense | $533,000 | 4,039 |
| Pre-tax net operating income | $1,239,000 | 3,008 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $468,000 | 2,415 |
| Income before extraordinary items | $771,000 | 3,613 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $771,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $771,000 | 3,415 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,008,000 | 3,512 |
| Total interest expense | $765,000 | 3,057 |
| Net interest income | $1,243,000 | 3,701 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $457,000 | 2,449 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $306,000 | 1,356 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $151,000 | 3,200 |
| Total noninterest expense | $1,056,000 | 3,506 |
| Salaries and employee benefits | $641,000 | 3,180 |
| Premises and equipment expense | $161,000 | 3,292 |
| Additional noninterest expense | $254,000 | 4,153 |
| Pre-tax net operating income | $569,000 | 3,201 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $214,000 | 2,581 |
| Income before extraordinary items | $355,000 | 3,766 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $355,000 | 3,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $355,000 | 3,589 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,861,000 | 3,693 |
| Total interest expense | $2,891,000 | 3,627 |
| Net interest income | $4,970,000 | 3,693 |
| Provision for loan and lease losses | $700,000 | 1,829 |
| Total noninterest income | $2,131,000 | 2,026 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,030,000 | 1,567 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,101,000 | 2,049 |
| Total noninterest expense | $3,952,000 | 3,594 |
| Salaries and employee benefits | $2,285,000 | 3,361 |
| Premises and equipment expense | $601,000 | 3,412 |
| Additional noninterest expense | $1,066,000 | 3,973 |
| Pre-tax net operating income | $2,449,000 | 2,928 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $924,000 | 2,345 |
| Income before extraordinary items | $1,525,000 | 3,454 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,525,000 | 3,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 3,318 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,525,000 | 3,354 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,222,000 | 4,326 |
| Total interest expense | $3,480,000 | 4,225 |
| Net interest income | $3,742,000 | 4,350 |
| Provision for loan and lease losses | $340,000 | 2,959 |
| Total noninterest income | $1,406,000 | 2,637 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $837,000 | 1,822 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $569,000 | 2,920 |
| Total noninterest expense | $3,131,000 | 4,193 |
| Salaries and employee benefits | $1,847,000 | 3,836 |
| Premises and equipment expense | $455,000 | 4,202 |
| Additional noninterest expense | $829,000 | 4,672 |
| Pre-tax net operating income | $1,677,000 | 3,591 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $626,000 | 2,891 |
| Income before extraordinary items | $1,051,000 | 4,145 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,051,000 | 4,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,919 |
| Cash dividends | $75,000 | 5,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,051,000 | 4,040 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,192,000 | 4,967 |
| Total interest expense | $2,634,000 | 5,387 |
| Net interest income | $3,558,000 | 4,559 |
| Provision for loan and lease losses | $178,000 | 4,045 |
| Total noninterest income | $1,127,000 | 2,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $783,000 | 1,772 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $344,000 | 3,654 |
| Total noninterest expense | $2,642,000 | 4,666 |
| Salaries and employee benefits | $1,548,000 | 4,253 |
| Premises and equipment expense | $392,000 | 4,573 |
| Additional noninterest expense | $702,000 | 5,163 |
| Pre-tax net operating income | $1,865,000 | 3,491 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $700,000 | 2,784 |
| Income before extraordinary items | $1,165,000 | 3,943 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,165,000 | 3,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,934 |
| Cash dividends | $500,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,165,000 | 3,932 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,475,000 | 5,958 |
| Total interest expense | $1,500,000 | 6,984 |
| Net interest income | $2,975,000 | 5,195 |
| Provision for loan and lease losses | $65,000 | 6,026 |
| Total noninterest income | $1,082,000 | 2,916 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $707,000 | 1,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $375,000 | 3,559 |
| Total noninterest expense | $2,332,000 | 5,114 |
| Salaries and employee benefits | $1,257,000 | 4,995 |
| Premises and equipment expense | $392,000 | 4,609 |
| Additional noninterest expense | $683,000 | 5,333 |
| Pre-tax net operating income | $1,660,000 | 3,823 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $639,000 | 3,084 |
| Income before extraordinary items | $1,021,000 | 4,365 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,021,000 | 4,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $380,000 | 4,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,021,000 | 4,335 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,917,000 | 6,550 |
| Total interest expense | $1,356,000 | 7,524 |
| Net interest income | $2,561,000 | 5,746 |
| Provision for loan and lease losses | $44,000 | 6,827 |
| Total noninterest income | $841,000 | 3,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $733,000 | 1,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,447 |
| Total noninterest expense | $1,919,000 | 5,752 |
| Salaries and employee benefits | $974,000 | 5,876 |
| Premises and equipment expense | $292,000 | 5,468 |
| Additional noninterest expense | $653,000 | 5,427 |
| Pre-tax net operating income | $1,439,000 | 4,311 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $473,000 | 3,987 |
| Income before extraordinary items | $966,000 | 4,627 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $966,000 | 4,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $424,000 | 3,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $966,000 | 4,527 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,578,000 | 7,077 |
| Total interest expense | $1,168,000 | 8,208 |
| Net interest income | $2,410,000 | 6,202 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $750,000 | 3,762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $657,000 | 1,998 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,977 |
| Total noninterest expense | $1,880,000 | 5,895 |
| Salaries and employee benefits | $958,000 | 6,011 |
| Premises and equipment expense | $278,000 | 5,688 |
| Additional noninterest expense | $644,000 | 5,538 |
| Pre-tax net operating income | $1,220,000 | 5,191 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $387,000 | 4,974 |
| Income before extraordinary items | $833,000 | 5,326 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $833,000 | 5,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,150 |
| Cash dividends | $296,000 | 4,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $833,000 | 5,270 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,250,000 | 7,668 |
| Total interest expense | $1,188,000 | 8,411 |
| Net interest income | $2,062,000 | 7,019 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $690,000 | 4,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $631,000 | 2,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,503 |
| Total noninterest expense | $1,830,000 | 6,320 |
| Salaries and employee benefits | $851,000 | 6,713 |
| Premises and equipment expense | $270,000 | 5,962 |
| Additional noninterest expense | $709,000 | 5,691 |
| Pre-tax net operating income | $862,000 | 6,237 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $201,000 | 7,127 |
| Income before extraordinary items | $677,000 | 5,859 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $677,000 | 5,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $104,000 | 6,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $664,680 | 5,865 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,149,000 | 8,012 |
| Total interest expense | $1,223,000 | 8,517 |
| Net interest income | $1,926,000 | 7,471 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $700,000 | 4,088 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $574,000 | 2,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,498 |
| Total noninterest expense | $1,913,000 | 6,197 |
| Salaries and employee benefits | $915,000 | 6,487 |
| Premises and equipment expense | $286,000 | 5,843 |
| Additional noninterest expense | $712,000 | 5,759 |
| Pre-tax net operating income | $588,000 | 7,938 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $47,000 | 10,241 |
| Income before extraordinary items | $541,000 | 6,952 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $541,000 | 6,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,152 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $541,000 | 6,935 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,625,000 | 8,687 |
| Total interest expense | $928,000 | 9,004 |
| Net interest income | $1,697,000 | 8,317 |
| Provision for loan and lease losses | $62,000 | 5,552 |
| Total noninterest income | $760,000 | 3,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $618,000 | 2,198 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,367 |
| Total noninterest expense | $1,981,000 | 6,258 |
| Salaries and employee benefits | $907,000 | 6,583 |
| Premises and equipment expense | $278,000 | 6,034 |
| Additional noninterest expense | $796,000 | 5,723 |
| Pre-tax net operating income | $414,000 | 9,254 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $414,000 | 8,069 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $414,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,836 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $414,000 | 8,099 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,316,000 | 9,533 |
| Total interest expense | $872,000 | 9,679 |
| Net interest income | $1,444,000 | 9,293 |
| Provision for loan and lease losses | $55,000 | 7,245 |
| Total noninterest income | $651,000 | 4,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $560,000 | 2,463 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $1,919,000 | 6,567 |
| Salaries and employee benefits | $833,000 | 7,122 |
| Premises and equipment expense | $248,000 | 6,711 |
| Additional noninterest expense | $838,000 | 5,700 |
| Pre-tax net operating income | $121,000 | 11,708 |
| Securities gains (losses) | $13,000 | 5,183 |
| Applicable income taxes | $74,000 | 10,356 |
| Income before extraordinary items | $60,000 | 12,177 |
| Extraordinary gains, net | $74,000 | 1,859 |
| Net income | $134,000 | 11,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,050,000 | 450 |
| Net operating income | $51,680 | 12,095 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,553,000 | 9,809 |
| Total interest expense | $1,175,000 | 9,698 |
| Net interest income | $1,378,000 | 9,710 |
| Provision for loan and lease losses | $250,000 | 4,577 |
| Total noninterest income | $608,000 | 4,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $526,000 | 2,634 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $2,020,000 | 6,324 |
| Salaries and employee benefits | $820,000 | 7,135 |
| Premises and equipment expense | $261,000 | 6,590 |
| Additional noninterest expense | $939,000 | 5,329 |
| Pre-tax net operating income | $-284,000 | 13,159 |
| Securities gains (losses) | $180,000 | 2,158 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-104,000 | 13,073 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-104,000 | 13,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 2,604 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-284,000 | 13,134 |
* 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.