Home > Rockingham Heritage Bank > Income and Expense
Rockingham Heritage Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,857,000 | 1,461 |
| Total interest expense | $6,530,000 | 1,536 |
| Net interest income | $8,327,000 | 1,366 |
| Provision for loan and lease losses | $50,000 | 4,348 |
| Total noninterest income | $1,049,000 | 2,169 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $397,000 | 2,131 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $652,000 | 1,867 |
| Total noninterest expense | $5,590,000 | 1,650 |
| Salaries and employee benefits | $3,289,000 | 1,560 |
| Premises and equipment expense | $699,000 | 1,876 |
| Additional noninterest expense | $1,602,000 | 1,698 |
| Pre-tax net operating income | $3,736,000 | 1,270 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,265,000 | 1,058 |
| Income before extraordinary items | $2,471,000 | 1,427 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,471,000 | 1,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,525 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,471,000 | 1,409 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,377,000 | 1,467 |
| Total interest expense | $3,261,000 | 1,523 |
| Net interest income | $4,116,000 | 1,381 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $587,000 | 1,989 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $202,000 | 2,036 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $385,000 | 1,632 |
| Total noninterest expense | $2,782,000 | 1,663 |
| Salaries and employee benefits | $1,630,000 | 1,594 |
| Premises and equipment expense | $358,000 | 1,851 |
| Additional noninterest expense | $794,000 | 1,689 |
| Pre-tax net operating income | $1,871,000 | 1,248 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $631,000 | 1,067 |
| Income before extraordinary items | $1,240,000 | 1,414 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,240,000 | 1,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,121 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,240,000 | 1,399 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,793,000 | 1,696 |
| Total interest expense | $9,907,000 | 1,690 |
| Net interest income | $13,886,000 | 1,649 |
| Provision for loan and lease losses | $133,000 | 4,231 |
| Total noninterest income | $1,787,000 | 2,402 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $743,000 | 2,260 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,044,000 | 2,161 |
| Total noninterest expense | $9,012,000 | 1,955 |
| Salaries and employee benefits | $5,138,000 | 1,896 |
| Premises and equipment expense | $1,065,000 | 2,322 |
| Additional noninterest expense | $2,809,000 | 1,874 |
| Pre-tax net operating income | $6,528,000 | 1,486 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,169,000 | 1,250 |
| Income before extraordinary items | $4,359,000 | 1,656 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,359,000 | 1,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,207 |
| Cash dividends | $1,000,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,359,000 | 1,644 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,273,000 | 1,855 |
| Total interest expense | $6,650,000 | 1,825 |
| Net interest income | $9,623,000 | 1,818 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $1,129,000 | 2,706 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $523,000 | 2,386 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $606,000 | 2,551 |
| Total noninterest expense | $6,296,000 | 2,100 |
| Salaries and employee benefits | $3,611,000 | 2,025 |
| Premises and equipment expense | $744,000 | 2,490 |
| Additional noninterest expense | $1,941,000 | 2,020 |
| Pre-tax net operating income | $4,411,000 | 1,684 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,488,000 | 1,400 |
| Income before extraordinary items | $2,923,000 | 1,877 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,923,000 | 1,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,863 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,923,000 | 1,859 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,999,000 | 2,137 |
| Total interest expense | $3,657,000 | 2,056 |
| Net interest income | $5,342,000 | 2,183 |
| Provision for loan and lease losses | $45,000 | 4,580 |
| Total noninterest income | $575,000 | 3,208 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $318,000 | 2,551 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $257,000 | 3,276 |
| Total noninterest expense | $3,438,000 | 2,568 |
| Salaries and employee benefits | $2,018,000 | 2,424 |
| Premises and equipment expense | $420,000 | 2,881 |
| Additional noninterest expense | $1,000,000 | 2,565 |
| Pre-tax net operating income | $2,434,000 | 2,000 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $821,000 | 1,633 |
| Income before extraordinary items | $1,613,000 | 2,206 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,613,000 | 2,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,613,000 | 2,192 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,293,000 | 2,188 |
| Total interest expense | $1,726,000 | 2,069 |
| Net interest income | $2,567,000 | 2,268 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $289,000 | 3,166 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $162,000 | 2,421 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $127,000 | 3,279 |
| Total noninterest expense | $1,657,000 | 2,653 |
| Salaries and employee benefits | $985,000 | 2,476 |
| Premises and equipment expense | $189,000 | 3,151 |
| Additional noninterest expense | $483,000 | 2,614 |
| Pre-tax net operating income | $1,184,000 | 1,996 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $399,000 | 1,654 |
| Income before extraordinary items | $785,000 | 2,238 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $785,000 | 2,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $785,000 | 2,214 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,638,000 | 2,272 |
| Total interest expense | $4,943,000 | 2,213 |
| Net interest income | $9,695,000 | 2,286 |
| Provision for loan and lease losses | $36,000 | 6,047 |
| Total noninterest income | $1,026,000 | 3,498 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $533,000 | 2,927 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $493,000 | 3,388 |
| Total noninterest expense | $5,832,000 | 2,820 |
| Salaries and employee benefits | $3,453,000 | 2,631 |
| Premises and equipment expense | $747,000 | 3,078 |
| Additional noninterest expense | $1,632,000 | 3,032 |
| Pre-tax net operating income | $4,853,000 | 1,917 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,603,000 | 1,632 |
| Income before extraordinary items | $3,250,000 | 2,105 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,250,000 | 2,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,108 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,250,000 | 2,078 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,475,000 | 2,321 |
| Total interest expense | $3,403,000 | 2,285 |
| Net interest income | $7,072,000 | 2,321 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $699,000 | 3,732 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $382,000 | 3,012 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $317,000 | 3,713 |
| Total noninterest expense | $4,258,000 | 2,855 |
| Salaries and employee benefits | $2,451,000 | 2,719 |
| Premises and equipment expense | $537,000 | 3,161 |
| Additional noninterest expense | $1,270,000 | 2,894 |
| Pre-tax net operating income | $3,513,000 | 1,976 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,182,000 | 1,676 |
| Income before extraordinary items | $2,331,000 | 2,195 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,331,000 | 2,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,393 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,331,000 | 2,160 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,702,000 | 2,353 |
| Total interest expense | $2,133,000 | 2,293 |
| Net interest income | $4,569,000 | 2,372 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $441,000 | 3,804 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $244,000 | 3,059 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $197,000 | 3,782 |
| Total noninterest expense | $2,745,000 | 2,939 |
| Salaries and employee benefits | $1,599,000 | 2,762 |
| Premises and equipment expense | $336,000 | 3,297 |
| Additional noninterest expense | $810,000 | 2,994 |
| Pre-tax net operating income | $2,265,000 | 1,980 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $766,000 | 1,680 |
| Income before extraordinary items | $1,499,000 | 2,232 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,499,000 | 2,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,872 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,499,000 | 2,197 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,211,000 | 2,403 |
| Total interest expense | $988,000 | 2,357 |
| Net interest income | $2,223,000 | 2,411 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $211,000 | 3,842 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $108,000 | 3,268 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $103,000 | 3,676 |
| Total noninterest expense | $1,354,000 | 2,983 |
| Salaries and employee benefits | $782,000 | 2,818 |
| Premises and equipment expense | $166,000 | 3,360 |
| Additional noninterest expense | $406,000 | 2,974 |
| Pre-tax net operating income | $1,080,000 | 2,039 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $363,000 | 1,723 |
| Income before extraordinary items | $717,000 | 2,279 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $717,000 | 2,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $717,000 | 2,242 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,104,000 | 2,568 |
| Total interest expense | $3,074,000 | 2,575 |
| Net interest income | $8,030,000 | 2,544 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $865,000 | 3,862 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $465,000 | 3,304 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $400,000 | 3,717 |
| Total noninterest expense | $4,991,000 | 3,124 |
| Salaries and employee benefits | $2,898,000 | 2,924 |
| Premises and equipment expense | $660,000 | 3,275 |
| Additional noninterest expense | $1,433,000 | 3,243 |
| Pre-tax net operating income | $3,804,000 | 2,141 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,276,000 | 1,825 |
| Income before extraordinary items | $2,528,000 | 2,406 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,528,000 | 2,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,528,000 | 2,346 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,118,000 | 2,588 |
| Total interest expense | $2,208,000 | 2,625 |
| Net interest income | $5,910,000 | 2,550 |
| Provision for loan and lease losses | $100,000 | 4,260 |
| Total noninterest income | $650,000 | 3,888 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $348,000 | 3,324 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $302,000 | 3,720 |
| Total noninterest expense | $3,667,000 | 3,156 |
| Salaries and employee benefits | $2,124,000 | 2,974 |
| Premises and equipment expense | $496,000 | 3,274 |
| Additional noninterest expense | $1,047,000 | 3,288 |
| Pre-tax net operating income | $2,793,000 | 2,193 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $931,000 | 1,889 |
| Income before extraordinary items | $1,862,000 | 2,477 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,862,000 | 2,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,697 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,862,000 | 2,413 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,245,000 | 2,667 |
| Total interest expense | $1,400,000 | 2,726 |
| Net interest income | $3,845,000 | 2,583 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $411,000 | 4,030 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $225,000 | 3,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $186,000 | 3,893 |
| Total noninterest expense | $2,364,000 | 3,267 |
| Salaries and employee benefits | $1,388,000 | 3,044 |
| Premises and equipment expense | $324,000 | 3,334 |
| Additional noninterest expense | $652,000 | 3,500 |
| Pre-tax net operating income | $1,792,000 | 2,242 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $596,000 | 1,939 |
| Income before extraordinary items | $1,196,000 | 2,535 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,196,000 | 2,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,196,000 | 2,466 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,602,000 | 2,683 |
| Total interest expense | $692,000 | 2,776 |
| Net interest income | $1,910,000 | 2,598 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $169,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $97,000 | 3,656 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $72,000 | 4,381 |
| Total noninterest expense | $1,115,000 | 3,454 |
| Salaries and employee benefits | $673,000 | 3,138 |
| Premises and equipment expense | $145,000 | 3,675 |
| Additional noninterest expense | $297,000 | 3,771 |
| Pre-tax net operating income | $919,000 | 2,163 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $306,000 | 1,901 |
| Income before extraordinary items | $613,000 | 2,446 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $613,000 | 2,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,331 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $613,000 | 2,364 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,362,000 | 2,729 |
| Total interest expense | $3,171,000 | 2,725 |
| Net interest income | $7,191,000 | 2,685 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $770,000 | 4,325 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $324,000 | 4,121 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $446,000 | 3,773 |
| Total noninterest expense | $4,176,000 | 3,589 |
| Salaries and employee benefits | $2,436,000 | 3,332 |
| Premises and equipment expense | $632,000 | 3,378 |
| Additional noninterest expense | $1,108,000 | 3,956 |
| Pre-tax net operating income | $3,545,000 | 2,196 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,183,000 | 1,955 |
| Income before extraordinary items | $2,362,000 | 2,503 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,362,000 | 2,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,141 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,362,000 | 2,387 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,816,000 | 2,758 |
| Total interest expense | $2,428,000 | 2,760 |
| Net interest income | $5,388,000 | 2,696 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $587,000 | 4,322 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $234,000 | 4,220 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $353,000 | 3,764 |
| Total noninterest expense | $3,084,000 | 3,615 |
| Salaries and employee benefits | $1,833,000 | 3,330 |
| Premises and equipment expense | $460,000 | 3,462 |
| Additional noninterest expense | $791,000 | 4,089 |
| Pre-tax net operating income | $2,651,000 | 2,260 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $881,000 | 2,058 |
| Income before extraordinary items | $1,770,000 | 2,601 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,770,000 | 2,599 |
| 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 | $1,770,000 | 2,470 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 2,777 |
| Total interest expense | $1,649,000 | 2,799 |
| Net interest income | $3,576,000 | 2,717 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $398,000 | 4,259 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $146,000 | 4,360 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $252,000 | 3,612 |
| Total noninterest expense | $2,043,000 | 3,621 |
| Salaries and employee benefits | $1,225,000 | 3,318 |
| Premises and equipment expense | $299,000 | 3,503 |
| Additional noninterest expense | $519,000 | 4,123 |
| Pre-tax net operating income | $1,751,000 | 2,294 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $582,000 | 2,098 |
| Income before extraordinary items | $1,169,000 | 2,638 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,169,000 | 2,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,169,000 | 2,489 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,602,000 | 2,803 |
| Total interest expense | $819,000 | 2,874 |
| Net interest income | $1,783,000 | 2,717 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $174,000 | 4,508 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $60,000 | 4,759 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $114,000 | 3,692 |
| Total noninterest expense | $1,010,000 | 3,631 |
| Salaries and employee benefits | $618,000 | 3,276 |
| Premises and equipment expense | $146,000 | 3,559 |
| Additional noninterest expense | $246,000 | 4,267 |
| Pre-tax net operating income | $857,000 | 2,334 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $286,000 | 2,121 |
| Income before extraordinary items | $571,000 | 2,658 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $571,000 | 2,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,019 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $571,000 | 2,523 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,325,000 | 2,935 |
| Total interest expense | $3,758,000 | 2,893 |
| Net interest income | $6,567,000 | 2,905 |
| Provision for loan and lease losses | $380,000 | 2,945 |
| Total noninterest income | $695,000 | 4,358 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $286,000 | 4,334 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $409,000 | 3,659 |
| Total noninterest expense | $3,568,000 | 3,898 |
| Salaries and employee benefits | $2,158,000 | 3,505 |
| Premises and equipment expense | $472,000 | 4,109 |
| Additional noninterest expense | $938,000 | 4,397 |
| Pre-tax net operating income | $3,314,000 | 2,311 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,111,000 | 2,049 |
| Income before extraordinary items | $2,203,000 | 2,601 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,203,000 | 2,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,379 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,203,000 | 2,509 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,329,000 | 3,517 |
| Total interest expense | $4,462,000 | 3,483 |
| Net interest income | $4,867,000 | 3,511 |
| Provision for loan and lease losses | $187,000 | 4,282 |
| Total noninterest income | $570,000 | 4,719 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $289,000 | 4,253 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $281,000 | 4,258 |
| Total noninterest expense | $3,006,000 | 4,326 |
| Salaries and employee benefits | $1,837,000 | 3,852 |
| Premises and equipment expense | $440,000 | 4,301 |
| Additional noninterest expense | $729,000 | 5,126 |
| Pre-tax net operating income | $2,244,000 | 2,909 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $769,000 | 2,504 |
| Income before extraordinary items | $1,475,000 | 3,265 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,475,000 | 3,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,388 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,475,000 | 3,160 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,759,000 | 3,817 |
| Total interest expense | $4,092,000 | 3,900 |
| Net interest income | $4,667,000 | 3,680 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $436,000 | 5,291 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 4,940 |
| Total noninterest expense | $2,928,000 | 4,319 |
| Salaries and employee benefits | $1,634,000 | 4,077 |
| Premises and equipment expense | $402,000 | 4,494 |
| Additional noninterest expense | $892,000 | 4,369 |
| Pre-tax net operating income | $2,055,000 | 3,259 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $764,000 | 2,599 |
| Income before extraordinary items | $1,291,000 | 3,656 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,291,000 | 3,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,939 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,291,000 | 3,648 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,188,000 | 4,297 |
| Total interest expense | $3,135,000 | 4,436 |
| Net interest income | $4,053,000 | 4,122 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $371,000 | 5,830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 4,882 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,571 |
| Total noninterest expense | $2,485,000 | 4,909 |
| Salaries and employee benefits | $1,410,000 | 4,561 |
| Premises and equipment expense | $381,000 | 4,692 |
| Additional noninterest expense | $694,000 | 5,270 |
| Pre-tax net operating income | $1,819,000 | 3,585 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $618,000 | 3,158 |
| Income before extraordinary items | $1,201,000 | 3,880 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,201,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,344 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,201,000 | 3,847 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,269,000 | 4,838 |
| Total interest expense | $2,822,000 | 4,938 |
| Net interest income | $3,447,000 | 4,655 |
| Provision for loan and lease losses | $144,000 | 4,268 |
| Total noninterest income | $328,000 | 6,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,008 |
| Total noninterest expense | $2,025,000 | 5,549 |
| Salaries and employee benefits | $1,161,000 | 5,199 |
| Premises and equipment expense | $323,000 | 5,146 |
| Additional noninterest expense | $541,000 | 6,161 |
| Pre-tax net operating income | $1,606,000 | 3,977 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $544,000 | 3,635 |
| Income before extraordinary items | $1,062,000 | 4,301 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,062,000 | 4,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,908 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $2,486,000 | 364 |
| Net operating income | $1,062,000 | 4,203 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,215,000 | 5,627 |
| Total interest expense | $2,327,000 | 5,681 |
| Net interest income | $2,888,000 | 5,464 |
| Provision for loan and lease losses | $144,000 | 4,243 |
| Total noninterest income | $263,000 | 7,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,073 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,595 |
| Total noninterest expense | $1,854,000 | 5,963 |
| Salaries and employee benefits | $1,052,000 | 5,674 |
| Premises and equipment expense | $297,000 | 5,476 |
| Additional noninterest expense | $505,000 | 6,464 |
| Pre-tax net operating income | $1,153,000 | 5,371 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $392,000 | 4,934 |
| Income before extraordinary items | $763,000 | 5,613 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $763,000 | 5,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,186 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 836 |
| Net operating income | $761,680 | 5,578 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,202,000 | 6,672 |
| Total interest expense | $1,905,000 | 6,611 |
| Net interest income | $2,297,000 | 6,565 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $207,000 | 8,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 6,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,943 |
| Total noninterest expense | $1,569,000 | 6,918 |
| Salaries and employee benefits | $888,000 | 6,513 |
| Premises and equipment expense | $260,000 | 6,104 |
| Additional noninterest expense | $423,000 | 7,689 |
| Pre-tax net operating income | $815,000 | 6,450 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $269,000 | 6,193 |
| Income before extraordinary items | $546,000 | 6,582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $546,000 | 6,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,149 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 861 |
| Net operating income | $546,000 | 6,519 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,467,000 | 7,605 |
| Total interest expense | $1,573,000 | 7,499 |
| Net interest income | $1,894,000 | 7,547 |
| Provision for loan and lease losses | $102,000 | 4,548 |
| Total noninterest income | $183,000 | 8,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 7,962 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,568 |
| Total noninterest expense | $1,366,000 | 7,694 |
| Salaries and employee benefits | $739,000 | 7,468 |
| Premises and equipment expense | $219,000 | 6,844 |
| Additional noninterest expense | $408,000 | 8,112 |
| Pre-tax net operating income | $609,000 | 7,826 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $203,000 | 7,361 |
| Income before extraordinary items | $406,000 | 8,007 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $406,000 | 8,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,972 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 626 |
| Net operating income | $406,000 | 7,968 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,520,000 | 8,878 |
| Total interest expense | $998,000 | 8,704 |
| Net interest income | $1,522,000 | 8,821 |
| Provision for loan and lease losses | $132,000 | 3,859 |
| Total noninterest income | $146,000 | 9,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 9,478 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,838 |
| Total noninterest expense | $1,193,000 | 8,626 |
| Salaries and employee benefits | $628,000 | 8,421 |
| Premises and equipment expense | $186,000 | 7,731 |
| Additional noninterest expense | $379,000 | 9,047 |
| Pre-tax net operating income | $343,000 | 9,784 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $18,000 | 11,192 |
| Income before extraordinary items | $327,000 | 8,851 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $327,000 | 8,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,486 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $325,100 | 8,921 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,882,000 | 10,424 |
| Total interest expense | $835,000 | 9,859 |
| Net interest income | $1,047,000 | 10,606 |
| Provision for loan and lease losses | $115,000 | 5,422 |
| Total noninterest income | $117,000 | 10,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,723 |
| Total noninterest expense | $858,000 | 10,399 |
| Salaries and employee benefits | $458,000 | 10,060 |
| Premises and equipment expense | $143,000 | 9,102 |
| Additional noninterest expense | $257,000 | 10,986 |
| Pre-tax net operating income | $191,000 | 11,123 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $191,000 | 10,753 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $191,000 | 10,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,894,000 | 368 |
| Net operating income | $191,000 | 10,533 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 11,817 |
| Total interest expense | $852,000 | 11,089 |
| Net interest income | $710,000 | 12,279 |
| Provision for loan and lease losses | $119,000 | 6,863 |
| Total noninterest income | $48,000 | 13,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 11,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 12,017 |
| Total noninterest expense | $709,000 | 11,475 |
| Salaries and employee benefits | $368,000 | 11,241 |
| Premises and equipment expense | $115,000 | 10,217 |
| Additional noninterest expense | $226,000 | 11,876 |
| Pre-tax net operating income | $-70,000 | 12,892 |
| Securities gains (losses) | $-7,000 | 13,179 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-77,000 | 13,030 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-77,000 | 13,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-70,000 | 12,854 |
* 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.