Home > Roxbury-Highland Co-operative Bank > Income and Expense
Roxbury-Highland Co-operative Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $331,000 | 8,006 |
| Total interest expense | $121,000 | 7,971 |
| Net interest income | $210,000 | 7,933 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $16,000 | 7,860 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $15,000 | 6,545 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $302,000 | 7,360 |
| Salaries and employee benefits | $146,000 | 7,590 |
| Premises and equipment expense | $30,000 | 7,535 |
| Additional noninterest expense | $126,000 | 6,613 |
| Pre-tax net operating income | $-76,000 | 7,489 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-76,000 | 7,587 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-76,000 | 7,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-76,000 | 7,540 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,451,000 | 7,922 |
| Total interest expense | $515,000 | 7,939 |
| Net interest income | $936,000 | 7,823 |
| Provision for loan and lease losses | $32,000 | 6,039 |
| Total noninterest income | $80,000 | 7,753 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $65,000 | 6,517 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $15,000 | 7,927 |
| Total noninterest expense | $1,105,000 | 7,501 |
| Salaries and employee benefits | $585,000 | 7,583 |
| Premises and equipment expense | $119,000 | 7,563 |
| Additional noninterest expense | $401,000 | 7,032 |
| Pre-tax net operating income | $-121,000 | 7,575 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-48,000 | 7,931 |
| Income before extraordinary items | $-73,000 | 7,602 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-73,000 | 7,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,123 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-73,000 | 7,580 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,086,000 | 7,987 |
| Total interest expense | $376,000 | 8,005 |
| Net interest income | $710,000 | 7,857 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $51,000 | 7,924 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $49,000 | 6,545 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,000 | 8,302 |
| Total noninterest expense | $808,000 | 7,522 |
| Salaries and employee benefits | $445,000 | 7,537 |
| Premises and equipment expense | $89,000 | 7,542 |
| Additional noninterest expense | $274,000 | 7,199 |
| Pre-tax net operating income | $-47,000 | 7,730 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-47,000 | 7,777 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-47,000 | 7,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,430 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-47,000 | 7,755 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $710,000 | 8,065 |
| Total interest expense | $243,000 | 8,068 |
| Net interest income | $467,000 | 7,938 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $34,000 | 7,979 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $32,000 | 6,601 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,000 | 8,320 |
| Total noninterest expense | $541,000 | 7,567 |
| Salaries and employee benefits | $302,000 | 7,555 |
| Premises and equipment expense | $57,000 | 7,634 |
| Additional noninterest expense | $182,000 | 7,240 |
| Pre-tax net operating income | $-40,000 | 7,873 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-40,000 | 7,895 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-40,000 | 7,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-40,000 | 7,884 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $347,000 | 8,127 |
| Total interest expense | $117,000 | 8,140 |
| Net interest income | $230,000 | 8,018 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $17,000 | 7,989 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $269,000 | 7,628 |
| Salaries and employee benefits | $148,000 | 7,630 |
| Premises and equipment expense | $30,000 | 7,598 |
| Additional noninterest expense | $91,000 | 7,255 |
| Pre-tax net operating income | $-22,000 | 7,956 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-22,000 | 7,965 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-22,000 | 7,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-22,000 | 7,953 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,446,000 | 7,979 |
| Total interest expense | $397,000 | 8,105 |
| Net interest income | $1,049,000 | 7,772 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $79,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $68,000 | 6,610 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $11,000 | 8,227 |
| Total noninterest expense | $1,116,000 | 7,519 |
| Salaries and employee benefits | $565,000 | 7,694 |
| Premises and equipment expense | $111,000 | 7,676 |
| Additional noninterest expense | $440,000 | 6,856 |
| Pre-tax net operating income | $12,000 | 7,916 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $12,000 | 7,942 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $12,000 | 7,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $12,000 | 7,929 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,085,000 | 8,040 |
| Total interest expense | $282,000 | 8,182 |
| Net interest income | $803,000 | 7,818 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $51,000 | 8,145 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $51,000 | 6,691 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,609 |
| Total noninterest expense | $856,000 | 7,497 |
| Salaries and employee benefits | $440,000 | 7,626 |
| Premises and equipment expense | $86,000 | 7,657 |
| Additional noninterest expense | $330,000 | 6,877 |
| Pre-tax net operating income | $-2,000 | 8,119 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-2,000 | 8,132 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-2,000 | 8,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-2,000 | 8,118 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $703,000 | 8,092 |
| Total interest expense | $176,000 | 8,243 |
| Net interest income | $527,000 | 7,892 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $34,000 | 8,195 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $34,000 | 6,726 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,630 |
| Total noninterest expense | $590,000 | 7,453 |
| Salaries and employee benefits | $300,000 | 7,626 |
| Premises and equipment expense | $57,000 | 7,687 |
| Additional noninterest expense | $233,000 | 6,746 |
| Pre-tax net operating income | $-29,000 | 8,246 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-29,000 | 8,251 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-29,000 | 8,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-29,000 | 8,243 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $353,000 | 8,083 |
| Total interest expense | $87,000 | 8,248 |
| Net interest income | $266,000 | 7,890 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $17,000 | 8,197 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $17,000 | 6,702 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $279,000 | 7,588 |
| Salaries and employee benefits | $141,000 | 7,745 |
| Premises and equipment expense | $27,000 | 7,763 |
| Additional noninterest expense | $111,000 | 6,846 |
| Pre-tax net operating income | $4,000 | 8,167 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $4,000 | 8,163 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,000 | 8,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $4,000 | 8,154 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,364,000 | 8,026 |
| Total interest expense | $344,000 | 8,073 |
| Net interest income | $1,020,000 | 7,905 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $91,000 | 8,029 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $71,000 | 6,730 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $20,000 | 8,136 |
| Total noninterest expense | $1,057,000 | 7,649 |
| Salaries and employee benefits | $529,000 | 7,806 |
| Premises and equipment expense | $95,000 | 7,913 |
| Additional noninterest expense | $433,000 | 6,915 |
| Pre-tax net operating income | $54,000 | 8,129 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $53,000 | 8,131 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $53,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,232 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $53,000 | 8,104 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,018,000 | 8,056 |
| Total interest expense | $255,000 | 8,076 |
| Net interest income | $763,000 | 7,959 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $66,000 | 8,105 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 6,735 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,325 |
| Total noninterest expense | $772,000 | 7,682 |
| Salaries and employee benefits | $400,000 | 7,781 |
| Premises and equipment expense | $51,000 | 8,253 |
| Additional noninterest expense | $321,000 | 6,948 |
| Pre-tax net operating income | $57,000 | 8,164 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $13,000 | 6,453 |
| Income before extraordinary items | $44,000 | 8,206 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $44,000 | 8,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,136 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $44,000 | 8,174 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $671,000 | 8,071 |
| Total interest expense | $169,000 | 8,037 |
| Net interest income | $502,000 | 7,986 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $45,000 | 8,078 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $35,000 | 6,780 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,000 | 8,146 |
| Total noninterest expense | $502,000 | 7,724 |
| Salaries and employee benefits | $265,000 | 7,796 |
| Premises and equipment expense | $33,000 | 8,288 |
| Additional noninterest expense | $204,000 | 7,044 |
| Pre-tax net operating income | $45,000 | 8,159 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $11,000 | 6,378 |
| Income before extraordinary items | $34,000 | 8,209 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $34,000 | 8,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,091 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $34,000 | 8,175 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $329,000 | 8,153 |
| Total interest expense | $84,000 | 8,055 |
| Net interest income | $245,000 | 8,099 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $24,000 | 8,024 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $247,000 | 7,819 |
| Salaries and employee benefits | $130,000 | 7,893 |
| Premises and equipment expense | $17,000 | 8,338 |
| Additional noninterest expense | $100,000 | 7,144 |
| Pre-tax net operating income | $22,000 | 8,236 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $5,000 | 6,381 |
| Income before extraordinary items | $17,000 | 8,267 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $17,000 | 8,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,262 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $17,000 | 8,243 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,327,000 | 8,078 |
| Total interest expense | $362,000 | 7,833 |
| Net interest income | $965,000 | 8,073 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $88,000 | 8,220 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $82,000 | 6,739 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,000 | 8,658 |
| Total noninterest expense | $1,042,000 | 7,733 |
| Salaries and employee benefits | $608,000 | 7,632 |
| Premises and equipment expense | $83,000 | 8,168 |
| Additional noninterest expense | $351,000 | 7,403 |
| Pre-tax net operating income | $11,000 | 8,362 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-5,000 | 8,547 |
| Income before extraordinary items | $16,000 | 8,391 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $16,000 | 8,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,939 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $16,000 | 8,355 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $999,000 | 8,106 |
| Total interest expense | $274,000 | 7,851 |
| Net interest income | $725,000 | 8,104 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $67,000 | 8,256 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $62,000 | 6,768 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,693 |
| Total noninterest expense | $779,000 | 7,706 |
| Salaries and employee benefits | $452,000 | 7,608 |
| Premises and equipment expense | $65,000 | 8,129 |
| Additional noninterest expense | $262,000 | 7,397 |
| Pre-tax net operating income | $13,000 | 8,427 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $8,000 | 6,848 |
| Income before extraordinary items | $5,000 | 8,482 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,000 | 8,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,000 | 8,443 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $671,000 | 8,157 |
| Total interest expense | $185,000 | 7,888 |
| Net interest income | $486,000 | 8,144 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $45,000 | 8,298 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $42,000 | 6,783 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $524,000 | 7,727 |
| Salaries and employee benefits | $303,000 | 7,648 |
| Premises and equipment expense | $45,000 | 8,118 |
| Additional noninterest expense | $176,000 | 7,423 |
| Pre-tax net operating income | $7,000 | 8,481 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $5,000 | 6,869 |
| Income before extraordinary items | $2,000 | 8,553 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,586 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,000 | 8,505 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $337,000 | 8,194 |
| Total interest expense | $93,000 | 7,953 |
| Net interest income | $244,000 | 8,167 |
| Provision for loan and lease losses | $5,000 | 6,071 |
| Total noninterest income | $22,000 | 8,321 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $21,000 | 6,734 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $260,000 | 7,793 |
| Salaries and employee benefits | $150,000 | 7,700 |
| Premises and equipment expense | $26,000 | 7,959 |
| Additional noninterest expense | $84,000 | 7,525 |
| Pre-tax net operating income | $1,000 | 8,530 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $-1,000 | 8,604 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,000 | 8,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-1,000 | 8,548 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,505,000 | 8,070 |
| Total interest expense | $464,000 | 7,874 |
| Net interest income | $1,041,000 | 8,046 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $105,000 | 8,249 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $99,000 | 6,568 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,000 | 8,884 |
| Total noninterest expense | $1,049,000 | 7,777 |
| Salaries and employee benefits | $609,000 | 7,654 |
| Premises and equipment expense | $107,000 | 7,982 |
| Additional noninterest expense | $333,000 | 7,555 |
| Pre-tax net operating income | $97,000 | 8,215 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $32,000 | 6,563 |
| Income before extraordinary items | $65,000 | 8,402 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $65,000 | 8,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,445 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $65,000 | 8,298 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,153,000 | 8,133 |
| Total interest expense | $363,000 | 7,945 |
| Net interest income | $790,000 | 8,101 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $84,000 | 8,241 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $79,000 | 6,528 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 8,924 |
| Total noninterest expense | $786,000 | 7,773 |
| Salaries and employee benefits | $454,000 | 7,637 |
| Premises and equipment expense | $83,000 | 7,943 |
| Additional noninterest expense | $249,000 | 7,568 |
| Pre-tax net operating income | $88,000 | 8,298 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $25,000 | 6,689 |
| Income before extraordinary items | $63,000 | 8,454 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $63,000 | 8,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $63,000 | 8,339 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $789,000 | 8,153 |
| Total interest expense | $253,000 | 7,987 |
| Net interest income | $536,000 | 8,108 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $53,000 | 8,304 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $50,000 | 6,585 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $527,000 | 7,779 |
| Salaries and employee benefits | $302,000 | 7,675 |
| Premises and equipment expense | $58,000 | 7,874 |
| Additional noninterest expense | $167,000 | 7,552 |
| Pre-tax net operating income | $62,000 | 8,292 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $17,000 | 6,701 |
| Income before extraordinary items | $45,000 | 8,466 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $45,000 | 8,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $45,000 | 8,335 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $398,000 | 8,179 |
| Total interest expense | $131,000 | 8,023 |
| Net interest income | $267,000 | 8,150 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $27,000 | 8,282 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $26,000 | 6,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $264,000 | 7,806 |
| Salaries and employee benefits | $151,000 | 7,693 |
| Premises and equipment expense | $30,000 | 7,859 |
| Additional noninterest expense | $83,000 | 7,586 |
| Pre-tax net operating income | $30,000 | 8,317 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $9,000 | 6,623 |
| Income before extraordinary items | $21,000 | 8,471 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $21,000 | 8,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $21,000 | 8,350 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,702,000 | 8,167 |
| Total interest expense | $658,000 | 7,931 |
| Net interest income | $1,044,000 | 8,203 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $97,000 | 8,433 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $90,000 | 6,759 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 9,001 |
| Total noninterest expense | $1,031,000 | 7,868 |
| Salaries and employee benefits | $594,000 | 7,728 |
| Premises and equipment expense | $107,000 | 8,078 |
| Additional noninterest expense | $330,000 | 7,581 |
| Pre-tax net operating income | $110,000 | 8,281 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $52,000 | 6,502 |
| Income before extraordinary items | $58,000 | 8,522 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $58,000 | 8,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,185 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $58,000 | 8,436 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,800,000 | 8,414 |
| Total interest expense | $824,000 | 8,381 |
| Net interest income | $976,000 | 8,337 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $91,000 | 8,639 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $79,000 | 6,996 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $12,000 | 9,046 |
| Total noninterest expense | $1,003,000 | 7,957 |
| Salaries and employee benefits | $548,000 | 7,942 |
| Premises and equipment expense | $98,000 | 8,339 |
| Additional noninterest expense | $357,000 | 7,457 |
| Pre-tax net operating income | $64,000 | 8,484 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-28,000 | 9,084 |
| Income before extraordinary items | $92,000 | 8,388 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $92,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,083 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $92,000 | 8,288 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,812,000 | 8,615 |
| Total interest expense | $772,000 | 8,704 |
| Net interest income | $1,040,000 | 8,403 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $74,000 | 8,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,518 |
| Total noninterest expense | $898,000 | 8,305 |
| Salaries and employee benefits | $476,000 | 8,366 |
| Premises and equipment expense | $96,000 | 8,515 |
| Additional noninterest expense | $326,000 | 7,743 |
| Pre-tax net operating income | $216,000 | 8,301 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $71,000 | 6,919 |
| Income before extraordinary items | $145,000 | 8,447 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $145,000 | 8,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,148 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $145,000 | 8,445 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,759,000 | 8,761 |
| Total interest expense | $770,000 | 8,760 |
| Net interest income | $989,000 | 8,661 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $102,000 | 8,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,343 |
| Total noninterest expense | $868,000 | 8,545 |
| Salaries and employee benefits | $445,000 | 8,652 |
| Premises and equipment expense | $87,000 | 8,879 |
| Additional noninterest expense | $336,000 | 7,822 |
| Pre-tax net operating income | $223,000 | 8,465 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $70,000 | 7,338 |
| Income before extraordinary items | $153,000 | 8,618 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $153,000 | 8,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $153,000 | 8,576 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,757,000 | 8,973 |
| Total interest expense | $756,000 | 9,058 |
| Net interest income | $1,001,000 | 8,787 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $75,000 | 9,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,880 |
| Total noninterest expense | $829,000 | 8,677 |
| Salaries and employee benefits | $430,000 | 8,774 |
| Premises and equipment expense | $81,000 | 9,122 |
| Additional noninterest expense | $318,000 | 7,958 |
| Pre-tax net operating income | $247,000 | 8,679 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $107,000 | 7,422 |
| Income before extraordinary items | $140,000 | 9,051 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $140,000 | 9,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $140,000 | 8,987 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,785,000 | 9,300 |
| Total interest expense | $771,000 | 9,337 |
| Net interest income | $1,014,000 | 9,146 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $84,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,252 |
| Total noninterest expense | $786,000 | 9,087 |
| Salaries and employee benefits | $414,000 | 9,169 |
| Premises and equipment expense | $77,000 | 9,513 |
| Additional noninterest expense | $295,000 | 8,371 |
| Pre-tax net operating income | $312,000 | 8,930 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $106,000 | 8,305 |
| Income before extraordinary items | $206,000 | 9,100 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $206,000 | 9,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $206,000 | 9,065 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,809,000 | 9,643 |
| Total interest expense | $803,000 | 9,635 |
| Net interest income | $1,006,000 | 9,538 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $86,000 | 10,166 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,196 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,823 |
| Total noninterest expense | $774,000 | 9,530 |
| Salaries and employee benefits | $399,000 | 9,611 |
| Premises and equipment expense | $88,000 | 9,600 |
| Additional noninterest expense | $287,000 | 9,018 |
| Pre-tax net operating income | $318,000 | 9,005 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $140,000 | 8,024 |
| Income before extraordinary items | $178,000 | 9,501 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $178,000 | 9,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $178,000 | 9,445 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,729,000 | 10,126 |
| Total interest expense | $723,000 | 10,221 |
| Net interest income | $1,006,000 | 9,928 |
| Provision for loan and lease losses | $3,000 | 8,797 |
| Total noninterest income | $67,000 | 11,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 9,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $811,000 | 9,723 |
| Salaries and employee benefits | $398,000 | 9,960 |
| Premises and equipment expense | $84,000 | 10,095 |
| Additional noninterest expense | $331,000 | 8,905 |
| Pre-tax net operating income | $259,000 | 10,050 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $174,000 | 7,859 |
| Income before extraordinary items | $85,000 | 11,058 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $85,000 | 11,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $85,000 | 11,032 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,672,000 | 10,404 |
| Total interest expense | $654,000 | 10,337 |
| Net interest income | $1,018,000 | 10,328 |
| Provision for loan and lease losses | $55,000 | 5,922 |
| Total noninterest income | $60,000 | 11,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 9,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,718 |
| Total noninterest expense | $825,000 | 10,112 |
| Salaries and employee benefits | $401,000 | 10,277 |
| Premises and equipment expense | $92,000 | 10,281 |
| Additional noninterest expense | $332,000 | 9,579 |
| Pre-tax net operating income | $198,000 | 10,906 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $108,000 | 9,171 |
| Income before extraordinary items | $90,000 | 11,475 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $90,000 | 11,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $90,000 | 11,520 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,690,000 | 10,830 |
| Total interest expense | $702,000 | 10,570 |
| Net interest income | $988,000 | 10,830 |
| Provision for loan and lease losses | $132,000 | 4,966 |
| Total noninterest income | $77,000 | 11,876 |
| 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 | $38,000 | 10,795 |
| Total noninterest expense | $775,000 | 10,793 |
| Salaries and employee benefits | $341,000 | 11,238 |
| Premises and equipment expense | $79,000 | 11,181 |
| Additional noninterest expense | $355,000 | 9,784 |
| Pre-tax net operating income | $158,000 | 11,415 |
| Securities gains (losses) | $-5,000 | 12,580 |
| Applicable income taxes | $45,000 | 11,057 |
| Income before extraordinary items | $108,000 | 11,719 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $108,000 | 11,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $111,550 | 11,487 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,765,000 | 11,388 |
| Total interest expense | $902,000 | 10,866 |
| Net interest income | $863,000 | 11,659 |
| Provision for loan and lease losses | $133,000 | 6,435 |
| Total noninterest income | $68,000 | 12,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 10,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 12,470 |
| Total noninterest expense | $682,000 | 11,606 |
| Salaries and employee benefits | $325,000 | 11,730 |
| Premises and equipment expense | $61,000 | 12,225 |
| Additional noninterest expense | $296,000 | 10,876 |
| Pre-tax net operating income | $116,000 | 11,854 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $37,000 | 11,601 |
| Income before extraordinary items | $77,000 | 12,270 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $77,000 | 12,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 5,311 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $78,360 | 11,951 |
* 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.