Home > Scandia American Bank & Trust > Income and Expense
Scandia American Bank & Trust, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,309,000 | 4,248 |
| Total interest expense | $588,000 | 5,088 |
| Net interest income | $3,721,000 | 3,943 |
| Provision for loan and lease losses | $141,000 | 4,567 |
| Total noninterest income | $389,000 | 4,374 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $137,000 | 4,562 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $252,000 | 3,725 |
| Total noninterest expense | $2,394,000 | 4,718 |
| Salaries and employee benefits | $1,032,000 | 5,188 |
| Premises and equipment expense | $274,000 | 4,832 |
| Additional noninterest expense | $1,088,000 | 3,938 |
| Pre-tax net operating income | $1,575,000 | 2,486 |
| Securities gains (losses) | $15,000 | 2,920 |
| Applicable income taxes | $398,000 | 1,951 |
| Income before extraordinary items | $1,192,000 | 2,731 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,192,000 | 2,733 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,192,000 | 2,733 |
| Net charge-offs | $34,000 | 5,231 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,180,750 | 2,658 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,833,000 | 4,327 |
| Total interest expense | $426,000 | 5,012 |
| Net interest income | $2,407,000 | 4,035 |
| Provision for loan and lease losses | $132,000 | 4,069 |
| Total noninterest income | $275,000 | 4,280 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $93,000 | 4,525 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $182,000 | 3,655 |
| Total noninterest expense | $1,572,000 | 4,811 |
| Salaries and employee benefits | $702,000 | 5,166 |
| Premises and equipment expense | $179,000 | 4,911 |
| Additional noninterest expense | $691,000 | 4,148 |
| Pre-tax net operating income | $978,000 | 2,583 |
| Securities gains (losses) | $15,000 | 2,213 |
| Applicable income taxes | $262,000 | 1,945 |
| Income before extraordinary items | $731,000 | 2,835 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $731,000 | 2,837 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $731,000 | 2,837 |
| Net charge-offs | $11,000 | 5,313 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $719,900 | 2,787 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,447,000 | 4,274 |
| Total interest expense | $236,000 | 4,884 |
| Net interest income | $1,211,000 | 4,024 |
| Provision for loan and lease losses | $9,000 | 5,448 |
| Total noninterest income | $129,000 | 4,454 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $42,000 | 4,666 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $87,000 | 3,779 |
| Total noninterest expense | $829,000 | 4,698 |
| Salaries and employee benefits | $363,000 | 5,132 |
| Premises and equipment expense | $93,000 | 4,891 |
| Additional noninterest expense | $373,000 | 3,914 |
| Pre-tax net operating income | $502,000 | 2,554 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $150,000 | 1,794 |
| Income before extraordinary items | $352,000 | 2,917 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $352,000 | 2,916 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $352,000 | 2,917 |
| Net charge-offs | $9,000 | 4,430 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $352,000 | 2,865 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,144,000 | 4,255 |
| Total interest expense | $1,073,000 | 5,067 |
| Net interest income | $5,071,000 | 3,921 |
| Provision for loan and lease losses | $211,000 | 5,277 |
| Total noninterest income | $484,000 | 4,630 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $186,000 | 4,548 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $298,000 | 3,952 |
| Total noninterest expense | $3,278,000 | 4,762 |
| Salaries and employee benefits | $1,540,000 | 4,994 |
| Premises and equipment expense | $355,000 | 5,034 |
| Additional noninterest expense | $1,383,000 | 4,226 |
| Pre-tax net operating income | $2,066,000 | 2,179 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $514,000 | 1,857 |
| Income before extraordinary items | $1,552,000 | 2,458 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,552,000 | 2,455 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,552,000 | 2,460 |
| Net charge-offs | $10,000 | 6,564 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $5,115,000 | 137 |
| Net operating income | $1,552,000 | 2,355 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,498,000 | 4,419 |
| Total interest expense | $834,000 | 5,141 |
| Net interest income | $3,664,000 | 4,076 |
| Provision for loan and lease losses | $48,000 | 6,274 |
| Total noninterest income | $339,000 | 4,822 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $147,000 | 4,518 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $192,000 | 4,237 |
| Total noninterest expense | $2,385,000 | 4,864 |
| Salaries and employee benefits | $1,112,000 | 5,127 |
| Premises and equipment expense | $271,000 | 5,067 |
| Additional noninterest expense | $1,002,000 | 4,299 |
| Pre-tax net operating income | $1,570,000 | 2,283 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $363,000 | 1,967 |
| Income before extraordinary items | $1,207,000 | 2,535 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,207,000 | 2,531 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,207,000 | 2,536 |
| Net charge-offs | $9,000 | 6,301 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $5,115,000 | 108 |
| Net operating income | $1,207,000 | 2,402 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,892,000 | 4,546 |
| Total interest expense | $575,000 | 5,165 |
| Net interest income | $2,317,000 | 4,232 |
| Provision for loan and lease losses | $39,000 | 6,032 |
| Total noninterest income | $243,000 | 4,687 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $101,000 | 4,468 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $142,000 | 4,061 |
| Total noninterest expense | $1,572,000 | 4,919 |
| Salaries and employee benefits | $736,000 | 5,166 |
| Premises and equipment expense | $170,000 | 5,243 |
| Additional noninterest expense | $666,000 | 4,307 |
| Pre-tax net operating income | $949,000 | 2,475 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $234,000 | 1,977 |
| Income before extraordinary items | $715,000 | 2,720 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $715,000 | 2,715 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $715,000 | 2,719 |
| Net charge-offs | $8,000 | 5,913 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $5,115,000 | 73 |
| Net operating income | $715,000 | 2,627 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,430,000 | 4,630 |
| Total interest expense | $292,000 | 5,254 |
| Net interest income | $1,138,000 | 4,298 |
| Provision for loan and lease losses | $9,000 | 6,179 |
| Total noninterest income | $102,000 | 5,007 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $46,000 | 4,630 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $56,000 | 4,499 |
| Total noninterest expense | $796,000 | 4,947 |
| Salaries and employee benefits | $358,000 | 5,283 |
| Premises and equipment expense | $81,000 | 5,414 |
| Additional noninterest expense | $357,000 | 4,091 |
| Pre-tax net operating income | $435,000 | 2,675 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $152,000 | 1,724 |
| Income before extraordinary items | $283,000 | 3,243 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $283,000 | 3,240 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $283,000 | 3,243 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $5,115,000 | 43 |
| Net operating income | $283,000 | 3,135 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,534,000 | 6,001 |
| Total interest expense | $739,000 | 6,603 |
| Net interest income | $2,795,000 | 5,569 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $139,000 | 6,659 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $44,000 | 6,570 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $95,000 | 5,706 |
| Total noninterest expense | $1,426,000 | 6,894 |
| Salaries and employee benefits | $540,000 | 7,341 |
| Premises and equipment expense | $192,000 | 6,546 |
| Additional noninterest expense | $694,000 | 6,151 |
| Pre-tax net operating income | $1,508,000 | 2,340 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $419,000 | 1,715 |
| Income before extraordinary items | $1,089,000 | 2,634 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,089,000 | 2,632 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,089,000 | 2,633 |
| Net charge-offs | $0 | 7,246 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,089,000 | 2,584 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,593,000 | 6,104 |
| Total interest expense | $569,000 | 6,694 |
| Net interest income | $2,024,000 | 5,664 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $97,000 | 6,867 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $32,000 | 6,633 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $65,000 | 5,948 |
| Total noninterest expense | $1,029,000 | 6,983 |
| Salaries and employee benefits | $408,000 | 7,384 |
| Premises and equipment expense | $118,000 | 6,915 |
| Additional noninterest expense | $503,000 | 6,240 |
| Pre-tax net operating income | $1,092,000 | 2,589 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $361,000 | 1,737 |
| Income before extraordinary items | $731,000 | 3,039 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $731,000 | 3,037 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $731,000 | 3,040 |
| Net charge-offs | $1,000 | 6,910 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $731,000 | 2,958 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,676,000 | 6,242 |
| Total interest expense | $379,000 | 6,815 |
| Net interest income | $1,297,000 | 5,780 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $57,000 | 7,037 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $18,000 | 6,781 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $39,000 | 6,109 |
| Total noninterest expense | $684,000 | 7,048 |
| Salaries and employee benefits | $268,000 | 7,477 |
| Premises and equipment expense | $77,000 | 7,004 |
| Additional noninterest expense | $339,000 | 6,232 |
| Pre-tax net operating income | $670,000 | 2,846 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $244,000 | 1,756 |
| Income before extraordinary items | $426,000 | 3,379 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $426,000 | 3,374 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $426,000 | 3,377 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $426,000 | 3,264 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $824,000 | 6,326 |
| Total interest expense | $194,000 | 6,858 |
| Net interest income | $630,000 | 5,877 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $25,000 | 7,225 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $8,000 | 6,838 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $17,000 | 6,333 |
| Total noninterest expense | $323,000 | 7,135 |
| Salaries and employee benefits | $134,000 | 7,526 |
| Premises and equipment expense | $40,000 | 6,984 |
| Additional noninterest expense | $149,000 | 6,332 |
| Pre-tax net operating income | $332,000 | 3,174 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $118,000 | 2,009 |
| Income before extraordinary items | $214,000 | 3,758 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $214,000 | 3,758 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $214,000 | 3,759 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $214,000 | 3,605 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,308,000 | 6,427 |
| Total interest expense | $1,129,000 | 6,562 |
| Net interest income | $2,179,000 | 6,233 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $130,000 | 7,028 |
| Gross Fiduciary activities income | $1,000 | 1,385 |
| Service charges on deposit accounts | $46,000 | 6,693 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $83,000 | 6,176 |
| Total noninterest expense | $1,268,000 | 7,188 |
| Salaries and employee benefits | $517,000 | 7,619 |
| Premises and equipment expense | $177,000 | 6,889 |
| Additional noninterest expense | $574,000 | 6,325 |
| Pre-tax net operating income | $1,041,000 | 3,688 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $363,000 | 2,188 |
| Income before extraordinary items | $678,000 | 3,981 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $678,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,873 |
| Cash dividends | $516,000 | 3,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $678,000 | 4,135 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,464,000 | 6,501 |
| Total interest expense | $894,000 | 6,569 |
| Net interest income | $1,570,000 | 6,366 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $88,000 | 7,240 |
| Gross Fiduciary activities income | $1,000 | 1,339 |
| Service charges on deposit accounts | $35,000 | 6,742 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $52,000 | 6,542 |
| Total noninterest expense | $909,000 | 7,259 |
| Salaries and employee benefits | $398,000 | 7,616 |
| Premises and equipment expense | $93,000 | 7,435 |
| Additional noninterest expense | $418,000 | 6,366 |
| Pre-tax net operating income | $749,000 | 4,217 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $291,000 | 2,490 |
| Income before extraordinary items | $458,000 | 4,590 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $458,000 | 4,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,679 |
| Cash dividends | $516,000 | 2,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $458,000 | 4,737 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,637,000 | 6,574 |
| Total interest expense | $619,000 | 6,632 |
| Net interest income | $1,018,000 | 6,443 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $56,000 | 7,355 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $24,000 | 6,737 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $32,000 | 6,701 |
| Total noninterest expense | $597,000 | 7,344 |
| Salaries and employee benefits | $262,000 | 7,700 |
| Premises and equipment expense | $60,000 | 7,516 |
| Additional noninterest expense | $275,000 | 6,412 |
| Pre-tax net operating income | $477,000 | 4,446 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $193,000 | 2,724 |
| Income before extraordinary items | $284,000 | 5,094 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 5,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,297 |
| Cash dividends | $516,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $284,000 | 5,026 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $835,000 | 6,624 |
| Total interest expense | $319,000 | 6,719 |
| Net interest income | $516,000 | 6,438 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $25,000 | 7,510 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $11,000 | 6,800 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $14,000 | 6,895 |
| Total noninterest expense | $292,000 | 7,429 |
| Salaries and employee benefits | $124,000 | 7,809 |
| Premises and equipment expense | $32,000 | 7,475 |
| Additional noninterest expense | $136,000 | 6,426 |
| Pre-tax net operating income | $249,000 | 4,540 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $108,000 | 2,699 |
| Income before extraordinary items | $141,000 | 5,316 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $141,000 | 5,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $516,000 | 1,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $141,000 | 5,214 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,347,000 | 6,620 |
| Total interest expense | $1,324,000 | 6,690 |
| Net interest income | $2,023,000 | 6,471 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $110,000 | 7,465 |
| Gross Fiduciary activities income | $2,000 | 1,406 |
| Service charges on deposit accounts | $56,000 | 6,653 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $52,000 | 7,060 |
| Total noninterest expense | $1,317,000 | 7,184 |
| Salaries and employee benefits | $462,000 | 7,900 |
| Premises and equipment expense | $131,000 | 7,429 |
| Additional noninterest expense | $724,000 | 5,652 |
| Pre-tax net operating income | $816,000 | 5,143 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $252,000 | 3,603 |
| Income before extraordinary items | $564,000 | 5,469 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $564,000 | 5,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,808 |
| Cash dividends | $314,000 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $564,000 | 5,449 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,497,000 | 6,665 |
| Total interest expense | $994,000 | 6,698 |
| Net interest income | $1,503,000 | 6,525 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $81,000 | 7,525 |
| Gross Fiduciary activities income | $2,000 | 1,352 |
| Service charges on deposit accounts | $42,000 | 6,680 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $37,000 | 7,140 |
| Total noninterest expense | $1,084,000 | 6,990 |
| Salaries and employee benefits | $358,000 | 7,839 |
| Premises and equipment expense | $89,000 | 7,542 |
| Additional noninterest expense | $637,000 | 5,096 |
| Pre-tax net operating income | $500,000 | 5,770 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $236,000 | 3,490 |
| Income before extraordinary items | $264,000 | 6,506 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $264,000 | 6,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,536 |
| Cash dividends | $147,000 | 4,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $264,000 | 6,492 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,653,000 | 6,717 |
| Total interest expense | $642,000 | 6,778 |
| Net interest income | $1,011,000 | 6,555 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $52,000 | 7,614 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $27,000 | 6,756 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $23,000 | 7,240 |
| Total noninterest expense | $639,000 | 7,270 |
| Salaries and employee benefits | $248,000 | 7,841 |
| Premises and equipment expense | $59,000 | 7,585 |
| Additional noninterest expense | $332,000 | 5,834 |
| Pre-tax net operating income | $424,000 | 5,387 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $195,000 | 3,309 |
| Income before extraordinary items | $229,000 | 6,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $229,000 | 6,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $106,000 | 4,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $229,000 | 6,147 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $809,000 | 6,792 |
| Total interest expense | $311,000 | 6,842 |
| Net interest income | $498,000 | 6,617 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $25,000 | 7,660 |
| Gross Fiduciary activities income | $2,000 | 1,213 |
| Service charges on deposit accounts | $12,000 | 6,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $339,000 | 7,194 |
| Salaries and employee benefits | $123,000 | 7,899 |
| Premises and equipment expense | $30,000 | 7,598 |
| Additional noninterest expense | $186,000 | 5,504 |
| Pre-tax net operating income | $184,000 | 5,669 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $90,000 | 3,414 |
| Income before extraordinary items | $94,000 | 6,482 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $94,000 | 6,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $106,000 | 3,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $94,000 | 6,470 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,015,000 | 6,768 |
| Total interest expense | $1,003,000 | 6,943 |
| Net interest income | $2,012,000 | 6,546 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $97,000 | 7,763 |
| Gross Fiduciary activities income | $1,000 | 1,470 |
| Service charges on deposit accounts | $51,000 | 6,878 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $45,000 | 7,356 |
| Total noninterest expense | $1,224,000 | 7,346 |
| Salaries and employee benefits | $482,000 | 7,916 |
| Premises and equipment expense | $130,000 | 7,489 |
| Additional noninterest expense | $612,000 | 6,015 |
| Pre-tax net operating income | $885,000 | 5,441 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $410,000 | 3,401 |
| Income before extraordinary items | $475,000 | 6,240 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $475,000 | 6,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,486 |
| Cash dividends | $547,000 | 3,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $475,000 | 6,236 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,207,000 | 6,860 |
| Total interest expense | $690,000 | 7,086 |
| Net interest income | $1,517,000 | 6,605 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $69,000 | 7,897 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $38,000 | 6,969 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,516 |
| Total noninterest expense | $987,000 | 7,200 |
| Salaries and employee benefits | $362,000 | 7,912 |
| Premises and equipment expense | $96,000 | 7,520 |
| Additional noninterest expense | $529,000 | 5,606 |
| Pre-tax net operating income | $599,000 | 5,858 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $303,000 | 3,571 |
| Income before extraordinary items | $296,000 | 6,738 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $296,000 | 6,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $284,000 | 3,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $296,000 | 6,740 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,414,000 | 6,945 |
| Total interest expense | $413,000 | 7,223 |
| Net interest income | $1,001,000 | 6,660 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $43,000 | 7,998 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $23,000 | 7,073 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,000 | 7,607 |
| Total noninterest expense | $622,000 | 7,357 |
| Salaries and employee benefits | $250,000 | 7,900 |
| Premises and equipment expense | $64,000 | 7,536 |
| Additional noninterest expense | $308,000 | 6,003 |
| Pre-tax net operating income | $422,000 | 5,778 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $209,000 | 3,555 |
| Income before extraordinary items | $213,000 | 6,658 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $213,000 | 6,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $178,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $213,000 | 6,659 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $675,000 | 7,030 |
| Total interest expense | $189,000 | 7,326 |
| Net interest income | $486,000 | 6,757 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $20,000 | 8,055 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $10,000 | 7,160 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $367,000 | 7,002 |
| Salaries and employee benefits | $109,000 | 8,103 |
| Premises and equipment expense | $32,000 | 7,546 |
| Additional noninterest expense | $226,000 | 4,786 |
| Pre-tax net operating income | $139,000 | 6,554 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $75,000 | 3,953 |
| Income before extraordinary items | $64,000 | 7,292 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $64,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $178,000 | 2,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $64,000 | 7,298 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,413,000 | 7,082 |
| Total interest expense | $649,000 | 7,193 |
| Net interest income | $1,764,000 | 6,945 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $91,000 | 8,029 |
| Gross Fiduciary activities income | $2,000 | 1,452 |
| Service charges on deposit accounts | $46,000 | 7,142 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $43,000 | 7,546 |
| Total noninterest expense | $941,000 | 7,840 |
| Salaries and employee benefits | $456,000 | 8,030 |
| Premises and equipment expense | $129,000 | 7,543 |
| Additional noninterest expense | $356,000 | 7,321 |
| Pre-tax net operating income | $914,000 | 5,594 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $351,000 | 3,901 |
| Income before extraordinary items | $563,000 | 6,131 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $563,000 | 6,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,815 |
| Cash dividends | $1,333,000 | 1,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $563,000 | 6,098 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,798,000 | 7,118 |
| Total interest expense | $475,000 | 7,181 |
| Net interest income | $1,323,000 | 6,983 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $64,000 | 8,133 |
| Gross Fiduciary activities income | $2,000 | 1,379 |
| Service charges on deposit accounts | $35,000 | 7,182 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,758 |
| Total noninterest expense | $708,000 | 7,824 |
| Salaries and employee benefits | $345,000 | 8,005 |
| Premises and equipment expense | $91,000 | 7,613 |
| Additional noninterest expense | $272,000 | 7,302 |
| Pre-tax net operating income | $679,000 | 5,711 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $285,000 | 3,883 |
| Income before extraordinary items | $394,000 | 6,407 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $394,000 | 6,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $1,045,000 | 1,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $394,000 | 6,370 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,147,000 | 7,174 |
| Total interest expense | $301,000 | 7,183 |
| Net interest income | $846,000 | 7,070 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $41,000 | 8,164 |
| Gross Fiduciary activities income | $2,000 | 1,342 |
| Service charges on deposit accounts | $22,000 | 7,213 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $17,000 | 7,791 |
| Total noninterest expense | $497,000 | 7,744 |
| Salaries and employee benefits | $235,000 | 7,986 |
| Premises and equipment expense | $60,000 | 7,621 |
| Additional noninterest expense | $202,000 | 7,063 |
| Pre-tax net operating income | $390,000 | 6,040 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $185,000 | 3,920 |
| Income before extraordinary items | $205,000 | 6,909 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $205,000 | 6,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $205,000 | 6,860 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $553,000 | 7,284 |
| Total interest expense | $149,000 | 7,180 |
| Net interest income | $404,000 | 7,225 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $21,000 | 8,155 |
| Gross Fiduciary activities income | $2,000 | 1,263 |
| Service charges on deposit accounts | $10,000 | 7,294 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,829 |
| Total noninterest expense | $248,000 | 7,812 |
| Salaries and employee benefits | $117,000 | 8,058 |
| Premises and equipment expense | $24,000 | 7,971 |
| Additional noninterest expense | $107,000 | 6,972 |
| Pre-tax net operating income | $177,000 | 6,227 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $67,000 | 4,351 |
| Income before extraordinary items | $110,000 | 6,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $110,000 | 6,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $110,000 | 6,698 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,525,000 | 6,862 |
| Total interest expense | $624,000 | 6,867 |
| Net interest income | $1,901,000 | 6,757 |
| Provision for loan and lease losses | $-5,000 | 8,656 |
| Total noninterest income | $104,000 | 8,043 |
| Gross Fiduciary activities income | $6,000 | 1,382 |
| Service charges on deposit accounts | $51,000 | 7,279 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $47,000 | 7,478 |
| Total noninterest expense | $885,000 | 8,011 |
| Salaries and employee benefits | $605,000 | 7,643 |
| Premises and equipment expense | $102,000 | 7,949 |
| Additional noninterest expense | $178,000 | 8,437 |
| Pre-tax net operating income | $1,125,000 | 4,946 |
| Securities gains (losses) | $42,000 | 1,872 |
| Applicable income taxes | $318,000 | 4,089 |
| Income before extraordinary items | $849,000 | 5,128 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $849,000 | 5,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,144 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $818,340 | 5,150 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,889,000 | 6,884 |
| Total interest expense | $475,000 | 6,825 |
| Net interest income | $1,414,000 | 6,798 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $76,000 | 8,124 |
| Gross Fiduciary activities income | $6,000 | 1,324 |
| Service charges on deposit accounts | $39,000 | 7,302 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 7,667 |
| Total noninterest expense | $573,000 | 8,219 |
| Salaries and employee benefits | $375,000 | 7,953 |
| Premises and equipment expense | $81,000 | 7,866 |
| Additional noninterest expense | $117,000 | 8,573 |
| Pre-tax net operating income | $917,000 | 4,832 |
| Securities gains (losses) | $42,000 | 1,794 |
| Applicable income taxes | $280,000 | 3,906 |
| Income before extraordinary items | $679,000 | 5,035 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $679,000 | 5,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,953 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $649,180 | 5,073 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,246,000 | 6,943 |
| Total interest expense | $319,000 | 6,843 |
| Net interest income | $927,000 | 6,867 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $52,000 | 8,146 |
| Gross Fiduciary activities income | $6,000 | 1,267 |
| Service charges on deposit accounts | $28,000 | 7,267 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 7,850 |
| Total noninterest expense | $386,000 | 8,259 |
| Salaries and employee benefits | $248,000 | 8,026 |
| Premises and equipment expense | $61,000 | 7,711 |
| Additional noninterest expense | $77,000 | 8,627 |
| Pre-tax net operating income | $593,000 | 4,868 |
| Securities gains (losses) | $41,000 | 1,579 |
| Applicable income taxes | $181,000 | 3,958 |
| Income before extraordinary items | $453,000 | 4,984 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $453,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,788 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $423,890 | 5,080 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $602,000 | 7,065 |
| Total interest expense | $161,000 | 6,883 |
| Net interest income | $441,000 | 7,034 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $27,000 | 8,089 |
| Gross Fiduciary activities income | $6,000 | 1,163 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $201,000 | 8,238 |
| Salaries and employee benefits | $126,000 | 8,026 |
| Premises and equipment expense | $33,000 | 7,611 |
| Additional noninterest expense | $42,000 | 8,582 |
| Pre-tax net operating income | $267,000 | 5,105 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $71,000 | 4,329 |
| Income before extraordinary items | $196,000 | 5,395 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $196,000 | 5,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $196,000 | 5,264 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,680,000 | 6,865 |
| Total interest expense | $795,000 | 6,724 |
| Net interest income | $1,885,000 | 6,759 |
| Provision for loan and lease losses | $-187,000 | 9,077 |
| Total noninterest income | $123,000 | 8,068 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $69,000 | 7,102 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $50,000 | 7,561 |
| Total noninterest expense | $967,000 | 7,967 |
| Salaries and employee benefits | $574,000 | 7,805 |
| Premises and equipment expense | $111,000 | 7,926 |
| Additional noninterest expense | $282,000 | 7,882 |
| Pre-tax net operating income | $1,228,000 | 4,631 |
| Securities gains (losses) | $-55,000 | 8,968 |
| Applicable income taxes | $309,000 | 4,239 |
| Income before extraordinary items | $864,000 | 5,042 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $864,000 | 5,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,260 |
| Cash dividends | $1,200,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $904,700 | 4,765 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,056,000 | 6,872 |
| Total interest expense | $626,000 | 6,755 |
| Net interest income | $1,430,000 | 6,770 |
| Provision for loan and lease losses | $-117,000 | 9,143 |
| Total noninterest income | $80,000 | 8,292 |
| Gross Fiduciary activities income | $4,000 | 1,409 |
| Service charges on deposit accounts | $52,000 | 7,162 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 8,092 |
| Total noninterest expense | $663,000 | 8,105 |
| Salaries and employee benefits | $453,000 | 7,645 |
| Premises and equipment expense | $98,000 | 7,671 |
| Additional noninterest expense | $112,000 | 8,800 |
| Pre-tax net operating income | $964,000 | 4,649 |
| Securities gains (losses) | $-18,000 | 8,998 |
| Applicable income taxes | $245,000 | 4,318 |
| Income before extraordinary items | $701,000 | 4,993 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $701,000 | 4,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $400,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $714,320 | 4,749 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,404,000 | 6,870 |
| Total interest expense | $442,000 | 6,726 |
| Net interest income | $962,000 | 6,758 |
| Provision for loan and lease losses | $-17,000 | 9,114 |
| Total noninterest income | $54,000 | 8,279 |
| Gross Fiduciary activities income | $4,000 | 1,366 |
| Service charges on deposit accounts | $33,000 | 7,215 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $17,000 | 8,015 |
| Total noninterest expense | $443,000 | 8,128 |
| Salaries and employee benefits | $299,000 | 7,700 |
| Premises and equipment expense | $66,000 | 7,663 |
| Additional noninterest expense | $78,000 | 8,758 |
| Pre-tax net operating income | $590,000 | 4,879 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $168,000 | 4,292 |
| Income before extraordinary items | $424,000 | 5,258 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $424,000 | 5,258 |
| 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 | $422,560 | 5,062 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $741,000 | 6,735 |
| Total interest expense | $229,000 | 6,722 |
| Net interest income | $512,000 | 6,576 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $22,000 | 8,506 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 7,987 |
| Total noninterest expense | $219,000 | 8,181 |
| Salaries and employee benefits | $143,000 | 7,841 |
| Premises and equipment expense | $33,000 | 7,707 |
| Additional noninterest expense | $43,000 | 8,690 |
| Pre-tax net operating income | $315,000 | 4,668 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $92,000 | 4,095 |
| Income before extraordinary items | $225,000 | 5,006 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $225,000 | 5,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $223,580 | 4,824 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,295,000 | 6,538 |
| Total interest expense | $1,074,000 | 6,739 |
| Net interest income | $2,221,000 | 6,288 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $98,000 | 8,423 |
| Gross Fiduciary activities income | $4,000 | 1,538 |
| Service charges on deposit accounts | $63,000 | 7,282 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $1,150,000 | 7,593 |
| Salaries and employee benefits | $683,000 | 7,350 |
| Premises and equipment expense | $160,000 | 7,308 |
| Additional noninterest expense | $307,000 | 7,758 |
| Pre-tax net operating income | $1,169,000 | 4,789 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $264,000 | 4,665 |
| Income before extraordinary items | $905,000 | 4,872 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $905,000 | 4,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 9,082 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $905,000 | 4,743 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,087,000 | 6,283 |
| Total interest expense | $1,645,000 | 6,699 |
| Net interest income | $2,442,000 | 5,791 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $161,000 | 7,736 |
| Gross Fiduciary activities income | $3,000 | 1,597 |
| Service charges on deposit accounts | $65,000 | 7,289 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $93,000 | 6,591 |
| Total noninterest expense | $1,003,000 | 7,957 |
| Salaries and employee benefits | $657,000 | 7,399 |
| Premises and equipment expense | $148,000 | 7,555 |
| Additional noninterest expense | $198,000 | 8,670 |
| Pre-tax net operating income | $1,600,000 | 3,701 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $509,000 | 3,301 |
| Income before extraordinary items | $1,107,000 | 4,014 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,107,000 | 4,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,101 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,095,960 | 3,918 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,030,000 | 6,467 |
| Total interest expense | $1,654,000 | 6,850 |
| Net interest income | $2,376,000 | 5,998 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $91,000 | 8,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,312 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 8,667 |
| Total noninterest expense | $969,000 | 8,114 |
| Salaries and employee benefits | $673,000 | 7,322 |
| Premises and equipment expense | $138,000 | 7,777 |
| Additional noninterest expense | $158,000 | 9,172 |
| Pre-tax net operating income | $1,448,000 | 4,160 |
| Securities gains (losses) | $-8,000 | 8,215 |
| Applicable income taxes | $457,000 | 3,693 |
| Income before extraordinary items | $983,000 | 4,434 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $983,000 | 4,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,868 |
| Cash dividends | $550,000 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $988,440 | 4,418 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,588,000 | 6,736 |
| Total interest expense | $1,441,000 | 7,112 |
| Net interest income | $2,147,000 | 6,378 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $111,000 | 8,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 7,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,465 |
| Total noninterest expense | $911,000 | 8,381 |
| Salaries and employee benefits | $605,000 | 7,734 |
| Premises and equipment expense | $155,000 | 7,576 |
| Additional noninterest expense | $151,000 | 9,503 |
| Pre-tax net operating income | $1,347,000 | 4,415 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $397,000 | 4,192 |
| Income before extraordinary items | $950,000 | 4,583 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $950,000 | 4,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 9,445 |
| Cash dividends | $750,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $950,000 | 4,540 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,590,000 | 6,851 |
| Total interest expense | $1,465,000 | 7,268 |
| Net interest income | $2,125,000 | 6,440 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $110,000 | 8,845 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,816 |
| Total noninterest expense | $866,000 | 8,546 |
| Salaries and employee benefits | $569,000 | 7,932 |
| Premises and equipment expense | $141,000 | 7,860 |
| Additional noninterest expense | $156,000 | 9,599 |
| Pre-tax net operating income | $1,309,000 | 4,587 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $374,000 | 4,598 |
| Income before extraordinary items | $938,000 | 4,692 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $938,000 | 4,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,253 |
| Cash dividends | $700,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $935,870 | 4,616 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,520,000 | 7,135 |
| Total interest expense | $1,431,000 | 7,517 |
| Net interest income | $2,089,000 | 6,731 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $118,000 | 9,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 7,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,104 |
| Total noninterest expense | $842,000 | 8,884 |
| Salaries and employee benefits | $552,000 | 8,234 |
| Premises and equipment expense | $132,000 | 8,186 |
| Additional noninterest expense | $158,000 | 9,908 |
| Pre-tax net operating income | $1,365,000 | 4,800 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $371,000 | 5,120 |
| Income before extraordinary items | $991,000 | 4,736 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $991,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-110,000 | 10,726 |
| Cash dividends | $525,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $993,190 | 4,669 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,423,000 | 7,479 |
| Total interest expense | $1,415,000 | 7,803 |
| Net interest income | $2,008,000 | 7,123 |
| Provision for loan and lease losses | $200,000 | 3,395 |
| Total noninterest income | $89,000 | 10,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 8,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $813,000 | 9,382 |
| Salaries and employee benefits | $552,000 | 8,465 |
| Premises and equipment expense | $113,000 | 8,958 |
| Additional noninterest expense | $148,000 | 10,565 |
| Pre-tax net operating income | $1,084,000 | 5,466 |
| Securities gains (losses) | $-50,000 | 11,034 |
| Applicable income taxes | $265,000 | 6,241 |
| Income before extraordinary items | $769,000 | 5,439 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $769,000 | 5,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,352 |
| Cash dividends | $275,000 | 4,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $806,000 | 5,214 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,179,000 | 7,954 |
| Total interest expense | $1,246,000 | 8,437 |
| Net interest income | $1,933,000 | 7,456 |
| Provision for loan and lease losses | $86,000 | 4,934 |
| Total noninterest income | $102,000 | 10,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 8,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,923 |
| Total noninterest expense | $720,000 | 10,108 |
| Salaries and employee benefits | $485,000 | 9,244 |
| Premises and equipment expense | $103,000 | 9,537 |
| Additional noninterest expense | $132,000 | 11,291 |
| Pre-tax net operating income | $1,229,000 | 5,168 |
| Securities gains (losses) | $-98,000 | 11,475 |
| Applicable income taxes | $310,000 | 5,878 |
| Income before extraordinary items | $821,000 | 5,348 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $821,000 | 5,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,240 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $892,540 | 5,013 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,779,000 | 8,418 |
| Total interest expense | $970,000 | 8,827 |
| Net interest income | $1,809,000 | 8,022 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $145,000 | 9,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,568 |
| Total noninterest expense | $814,000 | 10,182 |
| Salaries and employee benefits | $487,000 | 9,514 |
| Premises and equipment expense | $97,000 | 10,121 |
| Additional noninterest expense | $230,000 | 10,775 |
| Pre-tax net operating income | $1,115,000 | 5,516 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $292,000 | 5,981 |
| Income before extraordinary items | $826,000 | 5,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $826,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $275,000 | 4,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $823,780 | 5,306 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,954,000 | 8,415 |
| Total interest expense | $1,038,000 | 8,934 |
| Net interest income | $1,916,000 | 7,922 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $103,000 | 11,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 9,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,102 |
| Total noninterest expense | $783,000 | 10,748 |
| Salaries and employee benefits | $485,000 | 9,823 |
| Premises and equipment expense | $97,000 | 10,539 |
| Additional noninterest expense | $201,000 | 11,712 |
| Pre-tax net operating income | $1,236,000 | 5,072 |
| Securities gains (losses) | $36,000 | 3,866 |
| Applicable income taxes | $345,000 | 5,559 |
| Income before extraordinary items | $927,000 | 4,980 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $927,000 | 5,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $500,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $900,720 | 4,872 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,420,000 | 8,299 |
| Total interest expense | $1,419,000 | 8,780 |
| Net interest income | $2,001,000 | 7,761 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $88,000 | 12,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $820,000 | 10,908 |
| Salaries and employee benefits | $480,000 | 9,977 |
| Premises and equipment expense | $122,000 | 9,963 |
| Additional noninterest expense | $218,000 | 11,987 |
| Pre-tax net operating income | $1,269,000 | 4,698 |
| Securities gains (losses) | $14,000 | 6,053 |
| Applicable income taxes | $355,000 | 5,285 |
| Income before extraordinary items | $928,000 | 4,815 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $928,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 12,539 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $917,920 | 4,536 |
* 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.