Home > Ridgedale State Bank > Income and Expense
Ridgedale State Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,659,000 | 5,422 |
| Total interest expense | $966,000 | 5,665 |
| Net interest income | $1,693,000 | 5,117 |
| Provision for loan and lease losses | $422,000 | 2,102 |
| Total noninterest income | $215,000 | 5,294 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $118,000 | 4,516 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $97,000 | 5,110 |
| Total noninterest expense | $2,594,000 | 3,460 |
| Salaries and employee benefits | $1,609,000 | 3,126 |
| Premises and equipment expense | $222,000 | 4,844 |
| Additional noninterest expense | $763,000 | 3,477 |
| Pre-tax net operating income | $-1,108,000 | 7,963 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,000 | 5,394 |
| Income before extraordinary items | $-1,110,000 | 8,027 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,110,000 | 8,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,658 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,110,000 | 8,017 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,368,000 | 5,442 |
| Total interest expense | $556,000 | 5,491 |
| Net interest income | $812,000 | 5,271 |
| Provision for loan and lease losses | $422,000 | 1,106 |
| Total noninterest income | $130,000 | 4,919 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $62,000 | 4,381 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $68,000 | 4,477 |
| Total noninterest expense | $1,960,000 | 2,415 |
| Salaries and employee benefits | $1,283,000 | 2,047 |
| Premises and equipment expense | $128,000 | 4,456 |
| Additional noninterest expense | $549,000 | 2,501 |
| Pre-tax net operating income | $-1,440,000 | 8,327 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $2,000 | 5,366 |
| Income before extraordinary items | $-1,442,000 | 8,358 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,442,000 | 8,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,036 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,442,000 | 8,350 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,262,000 | 5,079 |
| Total interest expense | $2,482,000 | 5,290 |
| Net interest income | $3,780,000 | 4,788 |
| Provision for loan and lease losses | $642,000 | 1,962 |
| Total noninterest income | $361,000 | 5,701 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $233,000 | 4,591 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $128,000 | 5,841 |
| Total noninterest expense | $2,960,000 | 5,043 |
| Salaries and employee benefits | $1,563,000 | 5,179 |
| Premises and equipment expense | $454,000 | 4,641 |
| Additional noninterest expense | $943,000 | 4,823 |
| Pre-tax net operating income | $539,000 | 5,862 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,000 | 5,906 |
| Income before extraordinary items | $537,000 | 5,550 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $537,000 | 5,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $799,000 | 1,215 |
| Cash dividends | $562,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $537,000 | 5,540 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,748,000 | 5,060 |
| Total interest expense | $1,894,000 | 5,249 |
| Net interest income | $2,854,000 | 4,796 |
| Provision for loan and lease losses | $263,000 | 2,529 |
| Total noninterest income | $267,000 | 5,767 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $172,000 | 4,660 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $95,000 | 5,889 |
| Total noninterest expense | $2,139,000 | 5,140 |
| Salaries and employee benefits | $1,141,000 | 5,253 |
| Premises and equipment expense | $342,000 | 4,612 |
| Additional noninterest expense | $656,000 | 4,997 |
| Pre-tax net operating income | $719,000 | 5,069 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,000 | 6,041 |
| Income before extraordinary items | $717,000 | 4,595 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $717,000 | 4,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 1,370 |
| Cash dividends | $631,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $717,000 | 4,589 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,201,000 | 5,039 |
| Total interest expense | $1,295,000 | 5,194 |
| Net interest income | $1,906,000 | 4,815 |
| Provision for loan and lease losses | $202,000 | 2,144 |
| Total noninterest income | $183,000 | 5,749 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $117,000 | 4,630 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $66,000 | 5,849 |
| Total noninterest expense | $1,425,000 | 5,174 |
| Salaries and employee benefits | $764,000 | 5,277 |
| Premises and equipment expense | $234,000 | 4,566 |
| Additional noninterest expense | $427,000 | 5,068 |
| Pre-tax net operating income | $462,000 | 5,208 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,000 | 6,068 |
| Income before extraordinary items | $460,000 | 4,754 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $460,000 | 4,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,028 |
| Cash dividends | $581,000 | 2,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $460,000 | 4,745 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 5,057 |
| Total interest expense | $644,000 | 5,187 |
| Net interest income | $943,000 | 4,859 |
| Provision for loan and lease losses | $35,000 | 3,592 |
| Total noninterest income | $96,000 | 5,628 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $59,000 | 4,564 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $37,000 | 5,638 |
| Total noninterest expense | $702,000 | 5,244 |
| Salaries and employee benefits | $376,000 | 5,359 |
| Premises and equipment expense | $118,000 | 4,567 |
| Additional noninterest expense | $208,000 | 5,141 |
| Pre-tax net operating income | $302,000 | 4,638 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,000 | 5,948 |
| Income before extraordinary items | $300,000 | 4,166 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $300,000 | 4,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 595 |
| Cash dividends | $340,000 | 1,855 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $300,000 | 4,149 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,107,000 | 4,950 |
| Total interest expense | $2,202,000 | 5,146 |
| Net interest income | $3,905,000 | 4,724 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $405,000 | 5,581 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $246,000 | 4,540 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $159,000 | 5,512 |
| Total noninterest expense | $3,137,000 | 4,738 |
| Salaries and employee benefits | $1,671,000 | 4,863 |
| Premises and equipment expense | $450,000 | 4,566 |
| Additional noninterest expense | $1,016,000 | 4,459 |
| Pre-tax net operating income | $1,173,000 | 4,836 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,000 | 6,401 |
| Income before extraordinary items | $1,170,000 | 4,333 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,170,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,543 |
| Cash dividends | $943,000 | 2,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,170,000 | 4,313 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,506,000 | 4,991 |
| Total interest expense | $1,575,000 | 5,205 |
| Net interest income | $2,931,000 | 4,759 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $312,000 | 5,550 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $185,000 | 4,558 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $127,000 | 5,430 |
| Total noninterest expense | $2,277,000 | 4,830 |
| Salaries and employee benefits | $1,181,000 | 5,023 |
| Premises and equipment expense | $332,000 | 4,614 |
| Additional noninterest expense | $764,000 | 4,431 |
| Pre-tax net operating income | $966,000 | 4,789 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,000 | 6,487 |
| Income before extraordinary items | $963,000 | 4,263 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $963,000 | 4,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,111 |
| Cash dividends | $398,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $963,000 | 4,247 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,965,000 | 4,998 |
| Total interest expense | $1,010,000 | 5,195 |
| Net interest income | $1,955,000 | 4,781 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $220,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $124,000 | 4,534 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $96,000 | 5,214 |
| Total noninterest expense | $1,522,000 | 4,833 |
| Salaries and employee benefits | $812,000 | 4,946 |
| Premises and equipment expense | $219,000 | 4,657 |
| Additional noninterest expense | $491,000 | 4,546 |
| Pre-tax net operating income | $653,000 | 4,793 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,000 | 6,457 |
| Income before extraordinary items | $650,000 | 4,243 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $650,000 | 4,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,157 |
| Cash dividends | $265,000 | 3,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $650,000 | 4,234 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,474,000 | 4,946 |
| Total interest expense | $488,000 | 5,187 |
| Net interest income | $986,000 | 4,755 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $125,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $62,000 | 4,465 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $792,000 | 4,732 |
| Salaries and employee benefits | $434,000 | 4,762 |
| Premises and equipment expense | $109,000 | 4,692 |
| Additional noninterest expense | $249,000 | 4,494 |
| Pre-tax net operating income | $319,000 | 4,805 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $3,000 | 6,254 |
| Income before extraordinary items | $316,000 | 4,285 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $316,000 | 4,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,265 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $316,000 | 4,268 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,568,000 | 4,812 |
| Total interest expense | $1,382,000 | 5,454 |
| Net interest income | $4,186,000 | 4,480 |
| Provision for loan and lease losses | $55,000 | 5,644 |
| Total noninterest income | $447,000 | 5,491 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $266,000 | 4,442 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $181,000 | 5,362 |
| Total noninterest expense | $3,043,000 | 4,724 |
| Salaries and employee benefits | $1,779,000 | 4,513 |
| Premises and equipment expense | $405,000 | 4,819 |
| Additional noninterest expense | $859,000 | 4,927 |
| Pre-tax net operating income | $1,535,000 | 4,315 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $1,534,000 | 3,730 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,534,000 | 3,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,950 |
| Cash dividends | $1,140,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,534,000 | 3,698 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,091,000 | 4,846 |
| Total interest expense | $991,000 | 5,458 |
| Net interest income | $3,100,000 | 4,535 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $326,000 | 5,585 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $194,000 | 4,524 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $132,000 | 5,432 |
| Total noninterest expense | $2,161,000 | 4,882 |
| Salaries and employee benefits | $1,221,000 | 4,774 |
| Premises and equipment expense | $292,000 | 4,928 |
| Additional noninterest expense | $648,000 | 4,868 |
| Pre-tax net operating income | $1,265,000 | 4,181 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $1,264,000 | 3,539 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,264,000 | 3,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,476 |
| Cash dividends | $542,000 | 2,669 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,264,000 | 3,505 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,702,000 | 4,820 |
| Total interest expense | $617,000 | 5,498 |
| Net interest income | $2,085,000 | 4,492 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $211,000 | 5,621 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $122,000 | 4,619 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $89,000 | 5,401 |
| Total noninterest expense | $1,393,000 | 4,991 |
| Salaries and employee benefits | $793,000 | 4,839 |
| Premises and equipment expense | $192,000 | 4,954 |
| Additional noninterest expense | $408,000 | 5,022 |
| Pre-tax net operating income | $903,000 | 3,981 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 6,848 |
| Income before extraordinary items | $902,000 | 3,353 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $902,000 | 3,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,501 |
| Cash dividends | $380,000 | 2,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $902,000 | 3,302 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,338,000 | 4,833 |
| Total interest expense | $292,000 | 5,551 |
| Net interest income | $1,046,000 | 4,476 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $99,000 | 5,706 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $51,000 | 4,944 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,277 |
| Total noninterest expense | $671,000 | 5,147 |
| Salaries and employee benefits | $380,000 | 4,998 |
| Premises and equipment expense | $85,000 | 5,390 |
| Additional noninterest expense | $206,000 | 4,973 |
| Pre-tax net operating income | $474,000 | 3,816 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $473,000 | 3,178 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $473,000 | 3,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,216 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $473,000 | 3,137 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,986,000 | 4,863 |
| Total interest expense | $1,013,000 | 5,608 |
| Net interest income | $3,973,000 | 4,504 |
| Provision for loan and lease losses | $25,000 | 6,557 |
| Total noninterest income | $355,000 | 6,055 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $209,000 | 5,129 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $146,000 | 5,747 |
| Total noninterest expense | $2,844,000 | 4,848 |
| Salaries and employee benefits | $1,523,000 | 4,891 |
| Premises and equipment expense | $373,000 | 4,997 |
| Additional noninterest expense | $948,000 | 4,542 |
| Pre-tax net operating income | $1,459,000 | 4,312 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $2,000 | 7,032 |
| Income before extraordinary items | $1,460,000 | 3,700 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,460,000 | 3,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,939 |
| Cash dividends | $971,000 | 2,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,457,000 | 3,652 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,681,000 | 4,890 |
| Total interest expense | $758,000 | 5,594 |
| Net interest income | $2,923,000 | 4,564 |
| Provision for loan and lease losses | $25,000 | 6,158 |
| Total noninterest income | $264,000 | 6,097 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $153,000 | 5,219 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $111,000 | 5,728 |
| Total noninterest expense | $2,017,000 | 4,998 |
| Salaries and employee benefits | $1,040,000 | 5,183 |
| Premises and equipment expense | $275,000 | 5,042 |
| Additional noninterest expense | $702,000 | 4,513 |
| Pre-tax net operating income | $1,145,000 | 4,274 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $2,000 | 7,080 |
| Income before extraordinary items | $1,146,000 | 3,666 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,146,000 | 3,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $471,000 | 2,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,143,000 | 3,603 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,411,000 | 4,968 |
| Total interest expense | $498,000 | 5,663 |
| Net interest income | $1,913,000 | 4,618 |
| Provision for loan and lease losses | $25,000 | 5,618 |
| Total noninterest income | $161,000 | 6,311 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $95,000 | 5,380 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $66,000 | 5,947 |
| Total noninterest expense | $1,356,000 | 4,994 |
| Salaries and employee benefits | $697,000 | 5,186 |
| Premises and equipment expense | $180,000 | 5,118 |
| Additional noninterest expense | $479,000 | 4,460 |
| Pre-tax net operating income | $693,000 | 4,478 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $694,000 | 3,863 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $694,000 | 3,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,843 |
| Cash dividends | $281,000 | 2,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $691,000 | 3,791 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,200,000 | 4,998 |
| Total interest expense | $250,000 | 5,710 |
| Net interest income | $950,000 | 4,640 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $83,000 | 6,207 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $45,000 | 5,435 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $38,000 | 5,668 |
| Total noninterest expense | $695,000 | 4,950 |
| Salaries and employee benefits | $346,000 | 5,227 |
| Premises and equipment expense | $91,000 | 5,132 |
| Additional noninterest expense | $258,000 | 4,212 |
| Pre-tax net operating income | $313,000 | 4,718 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $314,000 | 4,155 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $314,000 | 4,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,014 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $311,030 | 4,049 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,986,000 | 4,905 |
| Total interest expense | $1,032,000 | 6,024 |
| Net interest income | $3,954,000 | 4,399 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $356,000 | 6,226 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $209,000 | 5,171 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $147,000 | 5,855 |
| Total noninterest expense | $2,796,000 | 4,836 |
| Salaries and employee benefits | $1,415,000 | 5,050 |
| Premises and equipment expense | $346,000 | 5,207 |
| Additional noninterest expense | $1,035,000 | 4,163 |
| Pre-tax net operating income | $1,214,000 | 4,662 |
| Securities gains (losses) | $37,000 | 2,758 |
| Applicable income taxes | $2,000 | 7,318 |
| Income before extraordinary items | $1,249,000 | 4,026 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,249,000 | 4,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,366 |
| Cash dividends | $777,000 | 2,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,212,000 | 3,950 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,731,000 | 4,979 |
| Total interest expense | $774,000 | 6,166 |
| Net interest income | $2,957,000 | 4,428 |
| Provision for loan and lease losses | $230,000 | 3,018 |
| Total noninterest income | $279,000 | 6,164 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $156,000 | 5,220 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 5,698 |
| Total noninterest expense | $2,030,000 | 4,931 |
| Salaries and employee benefits | $1,003,000 | 5,245 |
| Premises and equipment expense | $238,000 | 5,489 |
| Additional noninterest expense | $789,000 | 4,098 |
| Pre-tax net operating income | $976,000 | 4,612 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,000 | 7,369 |
| Income before extraordinary items | $974,000 | 4,046 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $974,000 | 4,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,605 |
| Cash dividends | $449,000 | 2,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $974,000 | 3,878 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,490,000 | 5,000 |
| Total interest expense | $521,000 | 6,263 |
| Net interest income | $1,969,000 | 4,442 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $179,000 | 6,241 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $101,000 | 5,264 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $78,000 | 5,763 |
| Total noninterest expense | $1,210,000 | 5,303 |
| Salaries and employee benefits | $666,000 | 5,266 |
| Premises and equipment expense | $168,000 | 5,277 |
| Additional noninterest expense | $376,000 | 5,227 |
| Pre-tax net operating income | $848,000 | 3,904 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $846,000 | 3,352 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $846,000 | 3,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,131 |
| Cash dividends | $388,000 | 2,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $846,000 | 3,180 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,255,000 | 4,996 |
| Total interest expense | $265,000 | 6,314 |
| Net interest income | $990,000 | 4,430 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $95,000 | 6,020 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 5,547 |
| Total noninterest expense | $591,000 | 5,394 |
| Salaries and employee benefits | $329,000 | 5,312 |
| Premises and equipment expense | $80,000 | 5,448 |
| Additional noninterest expense | $182,000 | 5,306 |
| Pre-tax net operating income | $449,000 | 3,755 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $447,000 | 3,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $447,000 | 3,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $447,000 | 3,029 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,381,000 | 4,917 |
| Total interest expense | $1,292,000 | 6,198 |
| Net interest income | $4,089,000 | 4,281 |
| Provision for loan and lease losses | $1,200,000 | 1,132 |
| Total noninterest income | $350,000 | 6,101 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $212,000 | 5,076 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $138,000 | 5,780 |
| Total noninterest expense | $2,551,000 | 5,015 |
| Salaries and employee benefits | $1,410,000 | 4,911 |
| Premises and equipment expense | $349,000 | 5,102 |
| Additional noninterest expense | $792,000 | 4,954 |
| Pre-tax net operating income | $688,000 | 6,138 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $688,000 | 5,607 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $688,000 | 5,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,247,000 | 793 |
| Cash dividends | $640,000 | 3,041 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $688,000 | 5,465 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,203,000 | 4,848 |
| Total interest expense | $2,410,000 | 5,501 |
| Net interest income | $3,793,000 | 4,301 |
| Provision for loan and lease losses | $400,000 | 2,609 |
| Total noninterest income | $385,000 | 5,783 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $224,000 | 4,893 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $161,000 | 5,396 |
| Total noninterest expense | $2,517,000 | 4,919 |
| Salaries and employee benefits | $1,415,000 | 4,717 |
| Premises and equipment expense | $326,000 | 5,266 |
| Additional noninterest expense | $776,000 | 4,887 |
| Pre-tax net operating income | $1,261,000 | 4,313 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-40,000 | 9,135 |
| Income before extraordinary items | $1,301,000 | 3,582 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,301,000 | 3,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,673 |
| Cash dividends | $982,000 | 2,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,301,000 | 3,483 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,311,000 | 4,914 |
| Total interest expense | $2,690,000 | 5,313 |
| Net interest income | $3,621,000 | 4,494 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $341,000 | 5,965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $256,000 | 4,454 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 6,788 |
| Total noninterest expense | $2,178,000 | 5,372 |
| Salaries and employee benefits | $1,287,000 | 4,938 |
| Premises and equipment expense | $259,000 | 5,916 |
| Additional noninterest expense | $632,000 | 5,574 |
| Pre-tax net operating income | $1,724,000 | 3,671 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $170,000 | 5,712 |
| Income before extraordinary items | $1,554,000 | 3,160 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,554,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,877 |
| Cash dividends | $1,087,000 | 2,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,554,000 | 3,162 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,339,000 | 5,338 |
| Total interest expense | $2,158,000 | 5,721 |
| Net interest income | $3,181,000 | 4,956 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $416,000 | 5,492 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 5,652 |
| Total noninterest expense | $2,036,000 | 5,627 |
| Salaries and employee benefits | $1,192,000 | 5,187 |
| Premises and equipment expense | $242,000 | 6,158 |
| Additional noninterest expense | $602,000 | 5,815 |
| Pre-tax net operating income | $1,501,000 | 4,085 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $149,000 | 6,291 |
| Income before extraordinary items | $1,352,000 | 3,520 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,352,000 | 3,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,486 |
| Cash dividends | $976,000 | 2,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,352,000 | 3,487 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,902,000 | 5,759 |
| Total interest expense | $1,954,000 | 6,258 |
| Net interest income | $2,948,000 | 5,190 |
| Provision for loan and lease losses | $130,000 | 4,466 |
| Total noninterest income | $413,000 | 5,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 5,739 |
| Total noninterest expense | $2,016,000 | 5,565 |
| Salaries and employee benefits | $1,168,000 | 5,177 |
| Premises and equipment expense | $269,000 | 5,715 |
| Additional noninterest expense | $579,000 | 5,887 |
| Pre-tax net operating income | $1,215,000 | 4,845 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $88,000 | 7,711 |
| Income before extraordinary items | $1,127,000 | 4,111 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,127,000 | 4,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,683 |
| Cash dividends | $1,175,000 | 1,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,127,000 | 4,024 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,527,000 | 6,203 |
| Total interest expense | $1,759,000 | 6,760 |
| Net interest income | $2,768,000 | 5,632 |
| Provision for loan and lease losses | $115,000 | 4,888 |
| Total noninterest income | $449,000 | 5,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,729 |
| Total noninterest expense | $1,953,000 | 5,742 |
| Salaries and employee benefits | $1,132,000 | 5,344 |
| Premises and equipment expense | $221,000 | 6,483 |
| Additional noninterest expense | $600,000 | 5,808 |
| Pre-tax net operating income | $1,149,000 | 5,388 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $277,000 | 5,950 |
| Income before extraordinary items | $872,000 | 5,163 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $872,000 | 5,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,790 |
| Cash dividends | $700,000 | 2,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $872,000 | 5,108 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,049,000 | 6,817 |
| Total interest expense | $1,317,000 | 8,056 |
| Net interest income | $2,732,000 | 5,829 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $388,000 | 6,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,365 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,088 |
| Total noninterest expense | $1,807,000 | 6,367 |
| Salaries and employee benefits | $1,054,000 | 5,775 |
| Premises and equipment expense | $205,000 | 6,938 |
| Additional noninterest expense | $548,000 | 6,695 |
| Pre-tax net operating income | $1,263,000 | 4,945 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $508,000 | 4,101 |
| Income before extraordinary items | $755,000 | 5,501 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $755,000 | 5,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $755,000 | 5,445 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,809,000 | 7,200 |
| Total interest expense | $1,262,000 | 8,403 |
| Net interest income | $2,547,000 | 6,231 |
| Provision for loan and lease losses | $65,000 | 5,556 |
| Total noninterest income | $362,000 | 6,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,676 |
| Total noninterest expense | $1,816,000 | 6,413 |
| Salaries and employee benefits | $997,000 | 6,088 |
| Premises and equipment expense | $201,000 | 7,169 |
| Additional noninterest expense | $618,000 | 6,413 |
| Pre-tax net operating income | $1,028,000 | 5,879 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $412,000 | 4,841 |
| Income before extraordinary items | $616,000 | 6,521 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $616,000 | 6,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 11,570 |
| Cash dividends | $290,000 | 4,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $616,000 | 6,509 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,328,000 | 7,585 |
| Total interest expense | $890,000 | 9,177 |
| Net interest income | $2,438,000 | 6,593 |
| Provision for loan and lease losses | $65,000 | 5,465 |
| Total noninterest income | $365,000 | 6,482 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,705 |
| Total noninterest expense | $1,782,000 | 6,746 |
| Salaries and employee benefits | $941,000 | 6,405 |
| Premises and equipment expense | $224,000 | 6,985 |
| Additional noninterest expense | $617,000 | 6,914 |
| Pre-tax net operating income | $956,000 | 6,142 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $298,000 | 5,899 |
| Income before extraordinary items | $658,000 | 6,167 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $658,000 | 6,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,925 |
| Cash dividends | $220,000 | 5,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $658,000 | 6,238 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,372,000 | 7,722 |
| Total interest expense | $902,000 | 9,542 |
| Net interest income | $2,470,000 | 6,605 |
| Provision for loan and lease losses | $200,000 | 3,901 |
| Total noninterest income | $278,000 | 7,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 7,550 |
| Total noninterest expense | $1,690,000 | 7,222 |
| Salaries and employee benefits | $862,000 | 6,936 |
| Premises and equipment expense | $194,000 | 7,809 |
| Additional noninterest expense | $634,000 | 7,047 |
| Pre-tax net operating income | $858,000 | 6,530 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $392,000 | 5,083 |
| Income before extraordinary items | $466,000 | 7,830 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $466,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 2,621 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $466,000 | 7,576 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,637,000 | 7,992 |
| Total interest expense | $1,208,000 | 9,574 |
| Net interest income | $2,429,000 | 6,727 |
| Provision for loan and lease losses | $225,000 | 4,908 |
| Total noninterest income | $281,000 | 7,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,565 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,780 |
| Total noninterest expense | $1,630,000 | 7,469 |
| Salaries and employee benefits | $826,000 | 7,096 |
| Premises and equipment expense | $182,000 | 8,255 |
| Additional noninterest expense | $622,000 | 7,318 |
| Pre-tax net operating income | $855,000 | 6,314 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $342,000 | 5,442 |
| Income before extraordinary items | $513,000 | 7,212 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $513,000 | 7,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 7,015 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $513,000 | 6,840 |
* 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.