Home > S & C Bank > Income and Expense
S & C Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $27,196,000 | 1,584 |
| Total interest expense | $10,322,000 | 1,907 |
| Net interest income | $16,874,000 | 1,324 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $4,788,000 | 1,134 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,243,000 | 791 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,545,000 | 1,143 |
| Total noninterest expense | $14,193,000 | 1,303 |
| Salaries and employee benefits | $8,943,000 | 1,127 |
| Premises and equipment expense | $2,278,000 | 1,158 |
| Additional noninterest expense | $2,972,000 | 1,853 |
| Pre-tax net operating income | $7,469,000 | 1,130 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,516,000 | 920 |
| Income before extraordinary items | $4,953,000 | 1,300 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,953,000 | 1,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $978,000 | 1,040 |
| Cash dividends | $4,900,000 | 764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,953,000 | 1,284 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,491,000 | 1,580 |
| Total interest expense | $7,776,000 | 1,905 |
| Net interest income | $12,715,000 | 1,323 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $3,666,000 | 1,116 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,667,000 | 783 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,999,000 | 1,110 |
| Total noninterest expense | $11,288,000 | 1,228 |
| Salaries and employee benefits | $7,132,000 | 1,054 |
| Premises and equipment expense | $1,775,000 | 1,128 |
| Additional noninterest expense | $2,381,000 | 1,708 |
| Pre-tax net operating income | $5,093,000 | 1,342 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,677,000 | 1,116 |
| Income before extraordinary items | $3,416,000 | 1,491 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,416,000 | 1,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,468 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,416,000 | 1,480 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,579,000 | 1,601 |
| Total interest expense | $5,153,000 | 1,913 |
| Net interest income | $8,426,000 | 1,351 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $2,507,000 | 1,115 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,097,000 | 808 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,410,000 | 1,096 |
| Total noninterest expense | $7,543,000 | 1,241 |
| Salaries and employee benefits | $4,716,000 | 1,080 |
| Premises and equipment expense | $1,205,000 | 1,114 |
| Additional noninterest expense | $1,622,000 | 1,670 |
| Pre-tax net operating income | $3,390,000 | 1,383 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,080,000 | 1,204 |
| Income before extraordinary items | $2,310,000 | 1,513 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,310,000 | 1,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,342 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,310,000 | 1,496 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,625,000 | 1,640 |
| Total interest expense | $2,558,000 | 1,913 |
| Net interest income | $4,067,000 | 1,402 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,202,000 | 1,133 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $527,000 | 810 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $675,000 | 1,105 |
| Total noninterest expense | $3,718,000 | 1,258 |
| Salaries and employee benefits | $2,354,000 | 1,091 |
| Premises and equipment expense | $584,000 | 1,156 |
| Additional noninterest expense | $780,000 | 1,721 |
| Pre-tax net operating income | $1,551,000 | 1,495 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $490,000 | 1,304 |
| Income before extraordinary items | $1,061,000 | 1,622 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,061,000 | 1,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,400 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,061,000 | 1,610 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,593,000 | 1,501 |
| Total interest expense | $9,380,000 | 1,785 |
| Net interest income | $17,213,000 | 1,330 |
| Provision for loan and lease losses | $-1,352,000 | 8,639 |
| Total noninterest income | $5,160,000 | 1,068 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,254,000 | 783 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,906,000 | 1,025 |
| Total noninterest expense | $15,409,000 | 1,173 |
| Salaries and employee benefits | $9,236,000 | 1,050 |
| Premises and equipment expense | $2,573,000 | 972 |
| Additional noninterest expense | $3,600,000 | 1,470 |
| Pre-tax net operating income | $8,316,000 | 1,186 |
| Securities gains (losses) | $-78,000 | 8,105 |
| Applicable income taxes | $2,746,000 | 1,022 |
| Income before extraordinary items | $5,492,000 | 1,328 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,492,000 | 1,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-992,000 | 8,661 |
| Cash dividends | $2,000,000 | 1,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,544,260 | 1,299 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,869,000 | 1,497 |
| Total interest expense | $6,835,000 | 1,783 |
| Net interest income | $13,034,000 | 1,330 |
| Provision for loan and lease losses | $-1,352,000 | 8,704 |
| Total noninterest income | $3,961,000 | 1,056 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,713,000 | 780 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,248,000 | 1,010 |
| Total noninterest expense | $11,693,000 | 1,161 |
| Salaries and employee benefits | $6,970,000 | 1,049 |
| Premises and equipment expense | $1,980,000 | 958 |
| Additional noninterest expense | $2,743,000 | 1,444 |
| Pre-tax net operating income | $6,654,000 | 1,150 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,311,000 | 968 |
| Income before extraordinary items | $4,343,000 | 1,302 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,343,000 | 1,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,237,000 | 8,724 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,343,000 | 1,290 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,937,000 | 1,499 |
| Total interest expense | $4,428,000 | 1,746 |
| Net interest income | $8,509,000 | 1,355 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $2,567,000 | 1,080 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,138,000 | 768 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,429,000 | 1,043 |
| Total noninterest expense | $7,835,000 | 1,163 |
| Salaries and employee benefits | $4,577,000 | 1,071 |
| Premises and equipment expense | $1,334,000 | 948 |
| Additional noninterest expense | $1,924,000 | 1,385 |
| Pre-tax net operating income | $3,241,000 | 1,550 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,081,000 | 1,314 |
| Income before extraordinary items | $2,160,000 | 1,690 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,160,000 | 1,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,160,000 | 1,675 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,353,000 | 1,493 |
| Total interest expense | $2,172,000 | 1,695 |
| Net interest income | $4,181,000 | 1,370 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,216,000 | 1,112 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $541,000 | 784 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $675,000 | 1,069 |
| Total noninterest expense | $3,810,000 | 1,202 |
| Salaries and employee benefits | $2,311,000 | 1,059 |
| Premises and equipment expense | $672,000 | 947 |
| Additional noninterest expense | $827,000 | 1,577 |
| Pre-tax net operating income | $1,587,000 | 1,545 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $497,000 | 1,409 |
| Income before extraordinary items | $1,090,000 | 1,644 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,090,000 | 1,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,493 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,090,000 | 1,628 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $23,214,000 | 1,436 |
| Total interest expense | $6,764,000 | 1,678 |
| Net interest income | $16,450,000 | 1,331 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $5,592,000 | 1,002 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,271,000 | 765 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,321,000 | 944 |
| Total noninterest expense | $14,092,000 | 1,229 |
| Salaries and employee benefits | $8,463,000 | 1,093 |
| Premises and equipment expense | $2,421,000 | 996 |
| Additional noninterest expense | $3,208,000 | 1,593 |
| Pre-tax net operating income | $7,950,000 | 1,203 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,602,000 | 1,088 |
| Income before extraordinary items | $5,348,000 | 1,338 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,348,000 | 1,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $572,000 | 1,045 |
| Cash dividends | $1,750,000 | 1,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,348,000 | 1,318 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,061,000 | 1,428 |
| Total interest expense | $4,785,000 | 1,684 |
| Net interest income | $12,276,000 | 1,325 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $4,342,000 | 974 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,757,000 | 738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,585,000 | 933 |
| Total noninterest expense | $10,717,000 | 1,204 |
| Salaries and employee benefits | $6,417,000 | 1,070 |
| Premises and equipment expense | $1,831,000 | 973 |
| Additional noninterest expense | $2,469,000 | 1,521 |
| Pre-tax net operating income | $5,901,000 | 1,210 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,839,000 | 1,158 |
| Income before extraordinary items | $4,062,000 | 1,335 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,062,000 | 1,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 1,538 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,062,000 | 1,308 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,031,000 | 1,426 |
| Total interest expense | $2,995,000 | 1,687 |
| Net interest income | $8,036,000 | 1,337 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $2,653,000 | 1,036 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,085,000 | 776 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,568,000 | 970 |
| Total noninterest expense | $7,142,000 | 1,182 |
| Salaries and employee benefits | $4,243,000 | 1,074 |
| Premises and equipment expense | $1,208,000 | 970 |
| Additional noninterest expense | $1,691,000 | 1,480 |
| Pre-tax net operating income | $3,547,000 | 1,322 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,070,000 | 1,296 |
| Income before extraordinary items | $2,477,000 | 1,409 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,477,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 1,284 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,477,000 | 1,385 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,252,000 | 1,467 |
| Total interest expense | $1,422,000 | 1,681 |
| Net interest income | $3,830,000 | 1,382 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,398,000 | 961 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $506,000 | 806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $892,000 | 864 |
| Total noninterest expense | $3,529,000 | 1,198 |
| Salaries and employee benefits | $2,026,000 | 1,124 |
| Premises and equipment expense | $606,000 | 980 |
| Additional noninterest expense | $897,000 | 1,388 |
| Pre-tax net operating income | $1,699,000 | 1,350 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $493,000 | 1,376 |
| Income before extraordinary items | $1,206,000 | 1,407 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,206,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 1,939 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,206,000 | 1,382 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,881,000 | 1,445 |
| Total interest expense | $4,846,000 | 1,691 |
| Net interest income | $15,035,000 | 1,348 |
| Provision for loan and lease losses | $600,000 | 1,645 |
| Total noninterest income | $5,962,000 | 918 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,889,000 | 923 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,073,000 | 775 |
| Total noninterest expense | $14,089,000 | 1,159 |
| Salaries and employee benefits | $8,641,000 | 991 |
| Premises and equipment expense | $2,300,000 | 998 |
| Additional noninterest expense | $3,148,000 | 1,556 |
| Pre-tax net operating income | $6,308,000 | 1,373 |
| Securities gains (losses) | $6,000 | 3,079 |
| Applicable income taxes | $1,799,000 | 1,400 |
| Income before extraordinary items | $4,515,000 | 1,428 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,515,000 | 1,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $588,000 | 1,176 |
| Cash dividends | $915,000 | 2,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,510,680 | 1,387 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,747,000 | 1,450 |
| Total interest expense | $3,535,000 | 1,708 |
| Net interest income | $11,212,000 | 1,342 |
| Provision for loan and lease losses | $450,000 | 1,575 |
| Total noninterest income | $4,312,000 | 971 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,396,000 | 943 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,916,000 | 820 |
| Total noninterest expense | $10,625,000 | 1,147 |
| Salaries and employee benefits | $6,545,000 | 972 |
| Premises and equipment expense | $1,720,000 | 1,002 |
| Additional noninterest expense | $2,360,000 | 1,542 |
| Pre-tax net operating income | $4,449,000 | 1,462 |
| Securities gains (losses) | $6,000 | 2,970 |
| Applicable income taxes | $1,265,000 | 1,479 |
| Income before extraordinary items | $3,190,000 | 1,524 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,190,000 | 1,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $654,000 | 774 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,185,680 | 1,483 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,680,000 | 1,466 |
| Total interest expense | $2,300,000 | 1,728 |
| Net interest income | $7,380,000 | 1,344 |
| Provision for loan and lease losses | $300,000 | 1,523 |
| Total noninterest income | $2,945,000 | 943 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $905,000 | 963 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,040,000 | 784 |
| Total noninterest expense | $6,940,000 | 1,165 |
| Salaries and employee benefits | $4,300,000 | 999 |
| Premises and equipment expense | $1,131,000 | 1,010 |
| Additional noninterest expense | $1,509,000 | 1,598 |
| Pre-tax net operating income | $3,085,000 | 1,381 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $912,000 | 1,379 |
| Income before extraordinary items | $2,173,000 | 1,483 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,173,000 | 1,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 748 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,173,000 | 1,428 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,750,000 | 1,492 |
| Total interest expense | $1,161,000 | 1,736 |
| Net interest income | $3,589,000 | 1,381 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $1,348,000 | 996 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $402,000 | 1,068 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $946,000 | 819 |
| Total noninterest expense | $3,385,000 | 1,199 |
| Salaries and employee benefits | $2,030,000 | 1,065 |
| Premises and equipment expense | $590,000 | 986 |
| Additional noninterest expense | $765,000 | 1,561 |
| Pre-tax net operating income | $1,402,000 | 1,483 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $394,000 | 1,572 |
| Income before extraordinary items | $1,008,000 | 1,586 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,008,000 | 1,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,731 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,008,000 | 1,495 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,813,000 | 1,445 |
| Total interest expense | $5,267,000 | 1,707 |
| Net interest income | $14,546,000 | 1,347 |
| Provision for loan and lease losses | $1,242,000 | 953 |
| Total noninterest income | $5,458,000 | 1,057 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,788,000 | 962 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,670,000 | 951 |
| Total noninterest expense | $12,908,000 | 1,255 |
| Salaries and employee benefits | $7,485,000 | 1,131 |
| Premises and equipment expense | $2,180,000 | 1,046 |
| Additional noninterest expense | $3,243,000 | 1,524 |
| Pre-tax net operating income | $5,854,000 | 1,407 |
| Securities gains (losses) | $58,000 | 2,371 |
| Applicable income taxes | $1,757,000 | 1,412 |
| Income before extraordinary items | $4,155,000 | 1,508 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,155,000 | 1,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,003,000 | 926 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,114,400 | 1,458 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,971,000 | 1,464 |
| Total interest expense | $4,054,000 | 1,734 |
| Net interest income | $10,917,000 | 1,354 |
| Provision for loan and lease losses | $372,000 | 2,139 |
| Total noninterest income | $4,447,000 | 1,021 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,353,000 | 962 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,094,000 | 907 |
| Total noninterest expense | $9,526,000 | 1,282 |
| Salaries and employee benefits | $5,596,000 | 1,144 |
| Premises and equipment expense | $1,603,000 | 1,079 |
| Additional noninterest expense | $2,327,000 | 1,577 |
| Pre-tax net operating income | $5,466,000 | 1,185 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,727,000 | 1,192 |
| Income before extraordinary items | $3,739,000 | 1,327 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,739,000 | 1,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,923 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,739,000 | 1,251 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,959,000 | 1,478 |
| Total interest expense | $2,763,000 | 1,754 |
| Net interest income | $7,196,000 | 1,367 |
| Provision for loan and lease losses | $248,000 | 2,149 |
| Total noninterest income | $2,925,000 | 1,019 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $876,000 | 979 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,049,000 | 906 |
| Total noninterest expense | $6,163,000 | 1,323 |
| Salaries and employee benefits | $3,554,000 | 1,209 |
| Premises and equipment expense | $1,075,000 | 1,075 |
| Additional noninterest expense | $1,534,000 | 1,582 |
| Pre-tax net operating income | $3,710,000 | 1,152 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,173,000 | 1,201 |
| Income before extraordinary items | $2,537,000 | 1,302 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,537,000 | 1,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,193 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,537,000 | 1,212 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,955,000 | 1,498 |
| Total interest expense | $1,419,000 | 1,753 |
| Net interest income | $3,536,000 | 1,386 |
| Provision for loan and lease losses | $124,000 | 2,010 |
| Total noninterest income | $1,244,000 | 1,129 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $419,000 | 994 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $825,000 | 1,027 |
| Total noninterest expense | $2,903,000 | 1,381 |
| Salaries and employee benefits | $1,436,000 | 1,492 |
| Premises and equipment expense | $530,000 | 1,093 |
| Additional noninterest expense | $937,000 | 1,296 |
| Pre-tax net operating income | $1,753,000 | 1,226 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $543,000 | 1,273 |
| Income before extraordinary items | $1,210,000 | 1,366 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,210,000 | 1,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,210,000 | 1,279 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,307,000 | 1,519 |
| Total interest expense | $7,003,000 | 1,624 |
| Net interest income | $13,304,000 | 1,472 |
| Provision for loan and lease losses | $364,000 | 3,036 |
| Total noninterest income | $4,406,000 | 1,169 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,568,000 | 1,028 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,838,000 | 1,032 |
| Total noninterest expense | $11,404,000 | 1,349 |
| Salaries and employee benefits | $5,782,000 | 1,410 |
| Premises and equipment expense | $1,753,000 | 1,251 |
| Additional noninterest expense | $3,869,000 | 1,246 |
| Pre-tax net operating income | $5,942,000 | 1,409 |
| Securities gains (losses) | $142,000 | 1,429 |
| Applicable income taxes | $1,712,000 | 1,475 |
| Income before extraordinary items | $4,372,000 | 1,423 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,372,000 | 1,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,634 |
| Cash dividends | $1,350,000 | 1,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,269,760 | 1,409 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $20,950,000 | 1,622 |
| Total interest expense | $10,058,000 | 1,610 |
| Net interest income | $10,892,000 | 1,635 |
| Provision for loan and lease losses | $448,000 | 2,415 |
| Total noninterest income | $2,758,000 | 1,578 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,067,000 | 1,395 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,691,000 | 1,399 |
| Total noninterest expense | $8,972,000 | 1,623 |
| Salaries and employee benefits | $4,413,000 | 1,711 |
| Premises and equipment expense | $1,102,000 | 1,951 |
| Additional noninterest expense | $3,457,000 | 1,354 |
| Pre-tax net operating income | $4,230,000 | 1,671 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,068,000 | 1,979 |
| Income before extraordinary items | $3,162,000 | 1,659 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,162,000 | 1,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,857 |
| Cash dividends | $2,080,000 | 1,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,162,000 | 1,594 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,978,000 | 3,399 |
| Total interest expense | $5,125,000 | 3,244 |
| Net interest income | $4,853,000 | 3,568 |
| Provision for loan and lease losses | $327,000 | 2,681 |
| Total noninterest income | $912,000 | 3,359 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $392,000 | 3,299 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $520,000 | 2,888 |
| Total noninterest expense | $3,728,000 | 3,519 |
| Salaries and employee benefits | $1,766,000 | 3,836 |
| Premises and equipment expense | $545,000 | 3,543 |
| Additional noninterest expense | $1,417,000 | 2,965 |
| Pre-tax net operating income | $1,710,000 | 3,690 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $396,000 | 3,994 |
| Income before extraordinary items | $1,314,000 | 3,609 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,314,000 | 3,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $2,300,000 | 1,197 |
| Sale, conversion, retirement of capital stock, net | $4,555,000 | 235 |
| Net operating income | $1,314,000 | 3,593 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,655,000 | 5,139 |
| Total interest expense | $2,709,000 | 4,960 |
| Net interest income | $2,946,000 | 5,233 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $613,000 | 4,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 4,993 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $402,000 | 3,402 |
| Total noninterest expense | $2,128,000 | 5,439 |
| Salaries and employee benefits | $1,055,000 | 5,681 |
| Premises and equipment expense | $260,000 | 5,916 |
| Additional noninterest expense | $813,000 | 4,725 |
| Pre-tax net operating income | $1,311,000 | 4,495 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $354,000 | 4,448 |
| Income before extraordinary items | $957,000 | 4,558 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $957,000 | 4,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $957,000 | 4,516 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,468,000 | 5,324 |
| Total interest expense | $2,696,000 | 5,107 |
| Net interest income | $2,772,000 | 5,448 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $725,000 | 3,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 4,832 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $502,000 | 2,976 |
| Total noninterest expense | $2,154,000 | 5,302 |
| Salaries and employee benefits | $1,089,000 | 5,449 |
| Premises and equipment expense | $259,000 | 5,838 |
| Additional noninterest expense | $806,000 | 4,651 |
| Pre-tax net operating income | $1,253,000 | 4,746 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $330,000 | 4,920 |
| Income before extraordinary items | $928,000 | 4,733 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $928,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $924,300 | 4,656 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,083,000 | 5,729 |
| Total interest expense | $2,526,000 | 5,369 |
| Net interest income | $2,557,000 | 5,960 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $570,000 | 4,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 5,610 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,353 |
| Total noninterest expense | $1,995,000 | 5,669 |
| Salaries and employee benefits | $964,000 | 5,986 |
| Premises and equipment expense | $267,000 | 5,836 |
| Additional noninterest expense | $764,000 | 4,899 |
| Pre-tax net operating income | $1,042,000 | 5,709 |
| Securities gains (losses) | $18,000 | 1,964 |
| Applicable income taxes | $252,000 | 6,242 |
| Income before extraordinary items | $808,000 | 5,415 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $808,000 | 5,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $794,320 | 5,432 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,853,000 | 6,070 |
| Total interest expense | $2,334,000 | 5,782 |
| Net interest income | $2,519,000 | 6,162 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $565,000 | 4,745 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $329,000 | 3,851 |
| Total noninterest expense | $1,920,000 | 6,111 |
| Salaries and employee benefits | $897,000 | 6,479 |
| Premises and equipment expense | $259,000 | 6,120 |
| Additional noninterest expense | $764,000 | 5,387 |
| Pre-tax net operating income | $1,074,000 | 5,499 |
| Securities gains (losses) | $-5,000 | 9,952 |
| Applicable income taxes | $263,000 | 6,270 |
| Income before extraordinary items | $806,000 | 5,278 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $806,000 | 5,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $575,000 | 3,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $809,750 | 5,195 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,835,000 | 6,141 |
| Total interest expense | $2,382,000 | 5,766 |
| Net interest income | $2,453,000 | 6,393 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $585,000 | 4,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $324,000 | 3,823 |
| Total noninterest expense | $1,968,000 | 6,058 |
| Salaries and employee benefits | $924,000 | 6,439 |
| Premises and equipment expense | $260,000 | 6,200 |
| Additional noninterest expense | $784,000 | 5,337 |
| Pre-tax net operating income | $980,000 | 6,082 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $230,000 | 6,962 |
| Income before extraordinary items | $750,000 | 5,715 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $750,000 | 5,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $675,000 | 2,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $750,000 | 5,685 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,180,000 | 6,489 |
| Total interest expense | $1,800,000 | 6,074 |
| Net interest income | $2,380,000 | 6,699 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $764,000 | 3,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 4,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $455,000 | 3,146 |
| Total noninterest expense | $2,145,000 | 5,867 |
| Salaries and employee benefits | $1,029,000 | 5,951 |
| Premises and equipment expense | $382,000 | 4,770 |
| Additional noninterest expense | $734,000 | 6,101 |
| Pre-tax net operating income | $909,000 | 6,346 |
| Securities gains (losses) | $79,000 | 884 |
| Applicable income taxes | $102,000 | 9,321 |
| Income before extraordinary items | $886,000 | 4,976 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $886,000 | 4,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $814,900 | 5,348 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,095,000 | 6,758 |
| Total interest expense | $1,824,000 | 6,281 |
| Net interest income | $2,271,000 | 6,986 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $1,178,000 | 2,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 4,349 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $872,000 | 2,248 |
| Total noninterest expense | $2,558,000 | 5,170 |
| Salaries and employee benefits | $1,293,000 | 4,908 |
| Premises and equipment expense | $532,000 | 3,672 |
| Additional noninterest expense | $733,000 | 6,346 |
| Pre-tax net operating income | $801,000 | 6,806 |
| Securities gains (losses) | $20,000 | 4,664 |
| Applicable income taxes | $160,000 | 8,417 |
| Income before extraordinary items | $661,000 | 6,346 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $661,000 | 6,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,951 |
| Cash dividends | $450,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $644,800 | 6,221 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,602,000 | 6,764 |
| Total interest expense | $2,163,000 | 6,712 |
| Net interest income | $2,439,000 | 6,712 |
| Provision for loan and lease losses | $105,000 | 7,133 |
| Total noninterest income | $961,000 | 3,426 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,598 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $673,000 | 2,609 |
| Total noninterest expense | $2,234,000 | 5,834 |
| Salaries and employee benefits | $1,241,000 | 5,009 |
| Premises and equipment expense | $388,000 | 4,915 |
| Additional noninterest expense | $605,000 | 7,466 |
| Pre-tax net operating income | $1,061,000 | 5,390 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $273,000 | 6,323 |
| Income before extraordinary items | $786,000 | 5,435 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $786,000 | 5,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 8,127 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $787,480 | 5,113 |
* 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.