Home > Saline State Bank > Income and Expense
Saline State Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,387,000 | 4,864 |
| Total interest expense | $1,610,000 | 4,577 |
| Net interest income | $1,777,000 | 5,037 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $225,000 | 5,329 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $192,000 | 3,590 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $33,000 | 6,866 |
| Total noninterest expense | $1,210,000 | 5,700 |
| Salaries and employee benefits | $642,000 | 5,802 |
| Premises and equipment expense | $169,000 | 5,529 |
| Additional noninterest expense | $399,000 | 5,308 |
| Pre-tax net operating income | $732,000 | 4,215 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $21,000 | 5,320 |
| Income before extraordinary items | $711,000 | 3,788 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $711,000 | 3,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,237 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $711,000 | 3,770 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,666,000 | 4,913 |
| Total interest expense | $787,000 | 4,613 |
| Net interest income | $879,000 | 5,068 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $108,000 | 5,373 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $93,000 | 3,596 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $15,000 | 6,985 |
| Total noninterest expense | $630,000 | 5,600 |
| Salaries and employee benefits | $334,000 | 5,749 |
| Premises and equipment expense | $93,000 | 5,263 |
| Additional noninterest expense | $203,000 | 5,214 |
| Pre-tax net operating income | $312,000 | 4,568 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $12,000 | 5,224 |
| Income before extraordinary items | $300,000 | 4,166 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $300,000 | 4,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $300,000 | 4,149 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,303,000 | 4,853 |
| Total interest expense | $2,730,000 | 4,558 |
| Net interest income | $3,573,000 | 4,990 |
| Provision for loan and lease losses | $155,000 | 3,995 |
| Total noninterest income | $381,000 | 5,705 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $345,000 | 3,844 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $36,000 | 7,566 |
| Total noninterest expense | $2,270,000 | 5,784 |
| Salaries and employee benefits | $1,227,000 | 5,837 |
| Premises and equipment expense | $259,000 | 6,123 |
| Additional noninterest expense | $784,000 | 5,293 |
| Pre-tax net operating income | $1,529,000 | 4,239 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $513,000 | 3,120 |
| Income before extraordinary items | $1,016,000 | 4,676 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,016,000 | 4,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,821 |
| Cash dividends | $829,000 | 2,878 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,016,000 | 4,671 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,625,000 | 4,904 |
| Total interest expense | $1,970,000 | 4,591 |
| Net interest income | $2,655,000 | 5,057 |
| Provision for loan and lease losses | $110,000 | 3,941 |
| Total noninterest income | $266,000 | 5,863 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $269,000 | 3,786 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-3,000 | 8,708 |
| Total noninterest expense | $1,682,000 | 5,805 |
| Salaries and employee benefits | $907,000 | 5,860 |
| Premises and equipment expense | $195,000 | 6,143 |
| Additional noninterest expense | $580,000 | 5,315 |
| Pre-tax net operating income | $1,129,000 | 4,459 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $378,000 | 3,248 |
| Income before extraordinary items | $751,000 | 4,850 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $751,000 | 4,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,984 |
| Cash dividends | $829,000 | 2,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $751,000 | 4,837 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,986,000 | 4,963 |
| Total interest expense | $1,241,000 | 4,617 |
| Net interest income | $1,745,000 | 5,119 |
| Provision for loan and lease losses | $65,000 | 3,979 |
| Total noninterest income | $167,000 | 6,025 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $164,000 | 3,961 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,487 |
| Total noninterest expense | $1,127,000 | 5,813 |
| Salaries and employee benefits | $608,000 | 5,873 |
| Premises and equipment expense | $133,000 | 6,083 |
| Additional noninterest expense | $386,000 | 5,333 |
| Pre-tax net operating income | $720,000 | 4,567 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $240,000 | 3,372 |
| Income before extraordinary items | $480,000 | 4,984 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $480,000 | 4,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,485 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $480,000 | 4,977 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,452,000 | 4,996 |
| Total interest expense | $598,000 | 4,581 |
| Net interest income | $854,000 | 5,207 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $85,000 | 5,947 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $77,000 | 4,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,731 |
| Total noninterest expense | $569,000 | 5,782 |
| Salaries and employee benefits | $305,000 | 5,876 |
| Premises and equipment expense | $71,000 | 5,930 |
| Additional noninterest expense | $193,000 | 5,294 |
| Pre-tax net operating income | $340,000 | 4,654 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $113,000 | 3,429 |
| Income before extraordinary items | $227,000 | 5,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $227,000 | 5,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 1,866 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $227,000 | 5,048 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,419,000 | 4,902 |
| Total interest expense | $2,026,000 | 4,391 |
| Net interest income | $3,393,000 | 5,116 |
| Provision for loan and lease losses | $135,000 | 4,293 |
| Total noninterest income | $358,000 | 5,957 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $283,000 | 4,322 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $75,000 | 6,850 |
| Total noninterest expense | $2,130,000 | 5,890 |
| Salaries and employee benefits | $1,132,000 | 5,970 |
| Premises and equipment expense | $260,000 | 6,105 |
| Additional noninterest expense | $738,000 | 5,443 |
| Pre-tax net operating income | $1,486,000 | 4,407 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $507,000 | 3,346 |
| Income before extraordinary items | $979,000 | 4,879 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $979,000 | 4,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,303 |
| Cash dividends | $640,000 | 3,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $979,000 | 4,852 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,981,000 | 4,935 |
| Total interest expense | $1,440,000 | 4,411 |
| Net interest income | $2,541,000 | 5,128 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $259,000 | 6,077 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $211,000 | 4,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 7,114 |
| Total noninterest expense | $1,531,000 | 6,013 |
| Salaries and employee benefits | $821,000 | 6,042 |
| Premises and equipment expense | $187,000 | 6,196 |
| Additional noninterest expense | $523,000 | 5,572 |
| Pre-tax net operating income | $1,179,000 | 4,340 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $400,000 | 3,324 |
| Income before extraordinary items | $779,000 | 4,828 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $779,000 | 4,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,641 |
| Cash dividends | $640,000 | 2,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $779,000 | 4,794 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,587,000 | 4,948 |
| Total interest expense | $902,000 | 4,442 |
| Net interest income | $1,685,000 | 5,143 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $166,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $136,000 | 4,370 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $30,000 | 7,186 |
| Total noninterest expense | $1,017,000 | 6,014 |
| Salaries and employee benefits | $557,000 | 5,996 |
| Premises and equipment expense | $117,000 | 6,347 |
| Additional noninterest expense | $343,000 | 5,594 |
| Pre-tax net operating income | $774,000 | 4,353 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $264,000 | 3,324 |
| Income before extraordinary items | $510,000 | 4,843 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $510,000 | 4,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $450,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $510,000 | 4,791 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 5,039 |
| Total interest expense | $436,000 | 4,423 |
| Net interest income | $822,000 | 5,251 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $79,000 | 6,196 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $65,000 | 4,425 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,363 |
| Total noninterest expense | $511,000 | 6,027 |
| Salaries and employee benefits | $280,000 | 6,012 |
| Premises and equipment expense | $63,000 | 6,224 |
| Additional noninterest expense | $168,000 | 5,629 |
| Pre-tax net operating income | $360,000 | 4,531 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $123,000 | 3,424 |
| Income before extraordinary items | $237,000 | 4,999 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $237,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,178 |
| Cash dividends | $450,000 | 1,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $237,000 | 4,960 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,969,000 | 4,870 |
| Total interest expense | $1,801,000 | 3,978 |
| Net interest income | $3,168,000 | 5,252 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $476,000 | 5,397 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $226,000 | 4,956 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $250,000 | 4,641 |
| Total noninterest expense | $2,092,000 | 5,867 |
| Salaries and employee benefits | $1,172,000 | 5,761 |
| Premises and equipment expense | $243,000 | 6,265 |
| Additional noninterest expense | $677,000 | 5,627 |
| Pre-tax net operating income | $1,552,000 | 4,163 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $526,000 | 3,266 |
| Income before extraordinary items | $1,026,000 | 4,619 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,026,000 | 4,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,605 |
| Cash dividends | $360,000 | 4,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,026,000 | 4,558 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,686,000 | 4,884 |
| Total interest expense | $1,363,000 | 3,883 |
| Net interest income | $2,323,000 | 5,310 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $214,000 | 6,553 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $170,000 | 5,004 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $44,000 | 7,229 |
| Total noninterest expense | $1,500,000 | 5,964 |
| Salaries and employee benefits | $838,000 | 5,874 |
| Premises and equipment expense | $175,000 | 6,352 |
| Additional noninterest expense | $487,000 | 5,711 |
| Pre-tax net operating income | $1,037,000 | 4,525 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $346,000 | 3,537 |
| Income before extraordinary items | $691,000 | 4,988 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $691,000 | 4,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,602 |
| Cash dividends | $360,000 | 3,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $691,000 | 4,897 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,450,000 | 4,909 |
| Total interest expense | $918,000 | 3,861 |
| Net interest income | $1,532,000 | 5,338 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $146,000 | 6,528 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $114,000 | 4,983 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $32,000 | 7,137 |
| Total noninterest expense | $1,035,000 | 5,894 |
| Salaries and employee benefits | $562,000 | 5,899 |
| Premises and equipment expense | $153,000 | 5,605 |
| Additional noninterest expense | $320,000 | 5,779 |
| Pre-tax net operating income | $643,000 | 4,662 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $213,000 | 3,653 |
| Income before extraordinary items | $430,000 | 5,125 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $430,000 | 5,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,721 |
| Cash dividends | $110,000 | 4,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $430,000 | 5,034 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,225,000 | 4,933 |
| Total interest expense | $464,000 | 3,872 |
| Net interest income | $761,000 | 5,373 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $67,000 | 6,667 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $56,000 | 4,941 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $11,000 | 7,645 |
| Total noninterest expense | $505,000 | 6,017 |
| Salaries and employee benefits | $278,000 | 5,970 |
| Premises and equipment expense | $58,000 | 6,408 |
| Additional noninterest expense | $169,000 | 5,625 |
| Pre-tax net operating income | $323,000 | 4,651 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $106,000 | 3,688 |
| Income before extraordinary items | $217,000 | 5,137 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $217,000 | 5,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,844 |
| Cash dividends | $110,000 | 2,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $217,000 | 5,003 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,077,000 | 4,843 |
| Total interest expense | $1,974,000 | 4,068 |
| Net interest income | $3,103,000 | 5,202 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $277,000 | 6,757 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $209,000 | 5,171 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $68,000 | 7,154 |
| Total noninterest expense | $1,902,000 | 6,153 |
| Salaries and employee benefits | $1,027,000 | 6,171 |
| Premises and equipment expense | $219,000 | 6,546 |
| Additional noninterest expense | $656,000 | 5,704 |
| Pre-tax net operating income | $1,418,000 | 4,271 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $482,000 | 3,436 |
| Income before extraordinary items | $936,000 | 4,837 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $936,000 | 4,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $521,000 | 3,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $936,000 | 4,667 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,833,000 | 4,869 |
| Total interest expense | $1,502,000 | 4,133 |
| Net interest income | $2,331,000 | 5,221 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $208,000 | 6,794 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $151,000 | 5,283 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $57,000 | 7,031 |
| Total noninterest expense | $1,411,000 | 6,151 |
| Salaries and employee benefits | $769,000 | 6,139 |
| Premises and equipment expense | $158,000 | 6,660 |
| Additional noninterest expense | $484,000 | 5,744 |
| Pre-tax net operating income | $1,098,000 | 4,310 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $375,000 | 3,520 |
| Income before extraordinary items | $723,000 | 4,905 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $723,000 | 4,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $390,000 | 3,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $723,000 | 4,711 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,552,000 | 4,919 |
| Total interest expense | $1,019,000 | 4,188 |
| Net interest income | $1,533,000 | 5,261 |
| Provision for loan and lease losses | $8,000 | 6,936 |
| Total noninterest income | $133,000 | 6,869 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $95,000 | 5,392 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $38,000 | 7,030 |
| Total noninterest expense | $959,000 | 6,120 |
| Salaries and employee benefits | $530,000 | 6,043 |
| Premises and equipment expense | $111,000 | 6,499 |
| Additional noninterest expense | $318,000 | 5,776 |
| Pre-tax net operating income | $699,000 | 4,430 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $236,000 | 3,657 |
| Income before extraordinary items | $463,000 | 5,002 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $463,000 | 5,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $262,000 | 3,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $463,000 | 4,799 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,259,000 | 4,984 |
| Total interest expense | $513,000 | 4,263 |
| Net interest income | $746,000 | 5,335 |
| Provision for loan and lease losses | $8,000 | 6,296 |
| Total noninterest income | $63,000 | 6,928 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 5,348 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 7,254 |
| Total noninterest expense | $484,000 | 6,106 |
| Salaries and employee benefits | $267,000 | 6,021 |
| Premises and equipment expense | $54,000 | 6,574 |
| Additional noninterest expense | $163,000 | 5,663 |
| Pre-tax net operating income | $317,000 | 4,650 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $105,000 | 3,848 |
| Income before extraordinary items | $212,000 | 5,170 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $212,000 | 5,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $101,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $212,000 | 4,976 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,003,000 | 5,174 |
| Total interest expense | $2,240,000 | 4,465 |
| Net interest income | $2,763,000 | 5,574 |
| Provision for loan and lease losses | $72,000 | 6,236 |
| Total noninterest income | $219,000 | 7,119 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $198,000 | 5,218 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $21,000 | 8,496 |
| Total noninterest expense | $1,712,000 | 6,431 |
| Salaries and employee benefits | $940,000 | 6,352 |
| Premises and equipment expense | $219,000 | 6,535 |
| Additional noninterest expense | $553,000 | 6,210 |
| Pre-tax net operating income | $1,198,000 | 4,717 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $401,000 | 3,877 |
| Income before extraordinary items | $797,000 | 5,225 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $797,000 | 5,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,985 |
| Cash dividends | $431,000 | 3,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $797,000 | 5,080 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,976,000 | 5,635 |
| Total interest expense | $2,606,000 | 5,264 |
| Net interest income | $2,370,000 | 5,899 |
| Provision for loan and lease losses | $52,000 | 6,614 |
| Total noninterest income | $187,000 | 7,430 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $166,000 | 5,565 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $21,000 | 8,695 |
| Total noninterest expense | $1,827,000 | 6,077 |
| Salaries and employee benefits | $888,000 | 6,422 |
| Premises and equipment expense | $175,000 | 7,142 |
| Additional noninterest expense | $764,000 | 4,948 |
| Pre-tax net operating income | $678,000 | 5,896 |
| Securities gains (losses) | $41,000 | 2,547 |
| Applicable income taxes | $316,000 | 4,166 |
| Income before extraordinary items | $403,000 | 6,556 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $403,000 | 6,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $424,000 | 3,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $376,760 | 6,574 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,617,000 | 6,006 |
| Total interest expense | $2,469,000 | 5,597 |
| Net interest income | $2,148,000 | 6,351 |
| Provision for loan and lease losses | $24,000 | 7,446 |
| Total noninterest income | $219,000 | 7,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 5,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 7,858 |
| Total noninterest expense | $1,473,000 | 6,811 |
| Salaries and employee benefits | $823,000 | 6,620 |
| Premises and equipment expense | $196,000 | 6,833 |
| Additional noninterest expense | $454,000 | 6,743 |
| Pre-tax net operating income | $870,000 | 5,641 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $223,000 | 5,199 |
| Income before extraordinary items | $647,000 | 5,634 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $647,000 | 5,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $220,000 | 4,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $647,000 | 5,644 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,129,000 | 6,250 |
| Total interest expense | $2,164,000 | 5,707 |
| Net interest income | $1,965,000 | 6,709 |
| Provision for loan and lease losses | $24,000 | 7,475 |
| Total noninterest income | $210,000 | 7,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,132 |
| Total noninterest expense | $1,349,000 | 7,169 |
| Salaries and employee benefits | $823,000 | 6,644 |
| Premises and equipment expense | $148,000 | 7,698 |
| Additional noninterest expense | $378,000 | 7,458 |
| Pre-tax net operating income | $802,000 | 5,923 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $204,000 | 5,664 |
| Income before extraordinary items | $597,000 | 5,916 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $597,000 | 5,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 9,813 |
| Cash dividends | $424,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $597,750 | 5,891 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,923,000 | 6,541 |
| Total interest expense | $2,061,000 | 6,082 |
| Net interest income | $1,862,000 | 6,919 |
| Provision for loan and lease losses | $49,000 | 6,673 |
| Total noninterest income | $204,000 | 7,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 5,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,120 |
| Total noninterest expense | $1,248,000 | 7,411 |
| Salaries and employee benefits | $712,000 | 7,115 |
| Premises and equipment expense | $151,000 | 7,628 |
| Additional noninterest expense | $385,000 | 7,347 |
| Pre-tax net operating income | $769,000 | 6,212 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $194,000 | 6,264 |
| Income before extraordinary items | $575,000 | 6,183 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $575,000 | 6,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $421,000 | 3,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $575,000 | 6,071 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,831,000 | 6,813 |
| Total interest expense | $1,929,000 | 6,402 |
| Net interest income | $1,902,000 | 7,124 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $164,000 | 8,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 6,332 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,689 |
| Total noninterest expense | $1,279,000 | 7,411 |
| Salaries and employee benefits | $684,000 | 7,411 |
| Premises and equipment expense | $168,000 | 7,420 |
| Additional noninterest expense | $427,000 | 7,136 |
| Pre-tax net operating income | $787,000 | 6,593 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $231,000 | 6,485 |
| Income before extraordinary items | $556,000 | 6,631 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $556,000 | 6,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $191,000 | 5,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $556,000 | 6,575 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,689,000 | 7,178 |
| Total interest expense | $1,802,000 | 6,839 |
| Net interest income | $1,887,000 | 7,379 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $201,000 | 8,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,363 |
| Total noninterest expense | $1,183,000 | 8,030 |
| Salaries and employee benefits | $663,000 | 7,761 |
| Premises and equipment expense | $143,000 | 8,222 |
| Additional noninterest expense | $377,000 | 8,080 |
| Pre-tax net operating income | $855,000 | 6,269 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $274,000 | 6,123 |
| Income before extraordinary items | $581,000 | 6,393 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $581,000 | 6,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $216,000 | 5,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $581,000 | 6,322 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,488,000 | 7,571 |
| Total interest expense | $1,657,000 | 7,252 |
| Net interest income | $1,831,000 | 7,692 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $178,000 | 8,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,511 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $1,181,000 | 8,269 |
| Salaries and employee benefits | $650,000 | 8,065 |
| Premises and equipment expense | $131,000 | 8,769 |
| Additional noninterest expense | $400,000 | 8,198 |
| Pre-tax net operating income | $732,000 | 7,150 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $209,000 | 7,275 |
| Income before extraordinary items | $523,000 | 7,084 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $523,000 | 7,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,210 |
| Cash dividends | $305,000 | 4,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $523,000 | 7,059 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,205,000 | 7,749 |
| Total interest expense | $1,418,000 | 7,148 |
| Net interest income | $1,787,000 | 8,070 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $170,000 | 9,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 7,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,920 |
| Total noninterest expense | $1,194,000 | 8,621 |
| Salaries and employee benefits | $627,000 | 8,426 |
| Premises and equipment expense | $158,000 | 8,341 |
| Additional noninterest expense | $409,000 | 8,739 |
| Pre-tax net operating income | $723,000 | 7,269 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $239,000 | 6,699 |
| Income before extraordinary items | $484,000 | 7,434 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $484,000 | 7,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,684 |
| Cash dividends | $296,000 | 4,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $484,000 | 7,473 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,227,000 | 7,968 |
| Total interest expense | $1,519,000 | 7,149 |
| Net interest income | $1,708,000 | 8,470 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $164,000 | 9,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 7,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,885 |
| Total noninterest expense | $1,168,000 | 9,020 |
| Salaries and employee benefits | $601,000 | 8,798 |
| Premises and equipment expense | $178,000 | 8,187 |
| Additional noninterest expense | $389,000 | 9,379 |
| Pre-tax net operating income | $704,000 | 7,344 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $250,000 | 6,790 |
| Income before extraordinary items | $454,000 | 7,934 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $454,000 | 8,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,983 |
| Cash dividends | $420,000 | 3,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $454,000 | 7,677 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,590,000 | 8,054 |
| Total interest expense | $1,839,000 | 7,512 |
| Net interest income | $1,751,000 | 8,499 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $210,000 | 9,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,722 |
| Total noninterest expense | $1,139,000 | 9,329 |
| Salaries and employee benefits | $569,000 | 9,093 |
| Premises and equipment expense | $127,000 | 9,784 |
| Additional noninterest expense | $443,000 | 9,061 |
| Pre-tax net operating income | $822,000 | 6,465 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $292,000 | 6,046 |
| Income before extraordinary items | $549,000 | 6,937 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $549,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 8,849 |
| Cash dividends | $362,000 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $536,650 | 6,657 |
* 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.