Home > Second National Bank > Income and Expense
Second National Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,434,000 | 1,623 |
| Total interest expense | $5,332,000 | 1,646 |
| Net interest income | $7,102,000 | 1,584 |
| Provision for loan and lease losses | $610,000 | 1,675 |
| Total noninterest income | $1,351,000 | 1,777 |
| Gross Fiduciary activities income | $95,000 | 815 |
| Service charges on deposit accounts | $549,000 | 1,614 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $707,000 | 1,774 |
| Total noninterest expense | $3,888,000 | 2,437 |
| Salaries and employee benefits | $2,450,000 | 2,113 |
| Premises and equipment expense | $320,000 | 3,767 |
| Additional noninterest expense | $1,118,000 | 2,489 |
| Pre-tax net operating income | $3,955,000 | 890 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,242,000 | 780 |
| Income before extraordinary items | $2,713,000 | 1,012 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,713,000 | 1,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $608,000 | 1,163 |
| Cash dividends | $2,000,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,713,000 | 998 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,227,000 | 1,667 |
| Total interest expense | $2,787,000 | 1,686 |
| Net interest income | $3,440,000 | 1,613 |
| Provision for loan and lease losses | $290,000 | 1,438 |
| Total noninterest income | $721,000 | 1,709 |
| Gross Fiduciary activities income | $46,000 | 820 |
| Service charges on deposit accounts | $268,000 | 1,619 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $407,000 | 1,607 |
| Total noninterest expense | $1,952,000 | 2,422 |
| Salaries and employee benefits | $1,236,000 | 2,123 |
| Premises and equipment expense | $162,000 | 3,751 |
| Additional noninterest expense | $554,000 | 2,481 |
| Pre-tax net operating income | $1,919,000 | 984 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $601,000 | 870 |
| Income before extraordinary items | $1,318,000 | 1,147 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,318,000 | 1,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 904 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,318,000 | 1,108 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,769,000 | 1,729 |
| Total interest expense | $12,138,000 | 1,646 |
| Net interest income | $12,631,000 | 1,787 |
| Provision for loan and lease losses | $450,000 | 2,497 |
| Total noninterest income | $2,736,000 | 1,755 |
| Gross Fiduciary activities income | $193,000 | 809 |
| Service charges on deposit accounts | $1,148,000 | 1,567 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,395,000 | 1,760 |
| Total noninterest expense | $7,989,000 | 2,292 |
| Salaries and employee benefits | $5,138,000 | 1,959 |
| Premises and equipment expense | $604,000 | 3,820 |
| Additional noninterest expense | $2,247,000 | 2,394 |
| Pre-tax net operating income | $6,928,000 | 1,230 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,081,000 | 1,102 |
| Income before extraordinary items | $4,847,000 | 1,318 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,847,000 | 1,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 2,325 |
| Cash dividends | $3,000,000 | 1,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,847,000 | 1,307 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,027,000 | 1,778 |
| Total interest expense | $8,790,000 | 1,706 |
| Net interest income | $9,237,000 | 1,845 |
| Provision for loan and lease losses | $115,000 | 3,913 |
| Total noninterest income | $2,037,000 | 1,766 |
| Gross Fiduciary activities income | $141,000 | 808 |
| Service charges on deposit accounts | $835,000 | 1,584 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,061,000 | 1,756 |
| Total noninterest expense | $5,854,000 | 2,323 |
| Salaries and employee benefits | $3,726,000 | 2,014 |
| Premises and equipment expense | $462,000 | 3,766 |
| Additional noninterest expense | $1,666,000 | 2,378 |
| Pre-tax net operating income | $5,305,000 | 1,289 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,600,000 | 1,159 |
| Income before extraordinary items | $3,705,000 | 1,381 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,705,000 | 1,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,960 |
| Cash dividends | $2,500,000 | 1,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,705,000 | 1,370 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,884,000 | 1,815 |
| Total interest expense | $5,738,000 | 1,746 |
| Net interest income | $6,146,000 | 1,875 |
| Provision for loan and lease losses | $75,000 | 3,728 |
| Total noninterest income | $1,285,000 | 1,859 |
| Gross Fiduciary activities income | $86,000 | 844 |
| Service charges on deposit accounts | $536,000 | 1,650 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $663,000 | 1,849 |
| Total noninterest expense | $3,932,000 | 2,322 |
| Salaries and employee benefits | $2,494,000 | 2,046 |
| Premises and equipment expense | $319,000 | 3,683 |
| Additional noninterest expense | $1,119,000 | 2,366 |
| Pre-tax net operating income | $3,424,000 | 1,373 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,041,000 | 1,239 |
| Income before extraordinary items | $2,383,000 | 1,477 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,383,000 | 1,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,700 |
| Cash dividends | $1,200,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,383,000 | 1,456 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,860,000 | 1,833 |
| Total interest expense | $2,788,000 | 1,777 |
| Net interest income | $3,072,000 | 1,873 |
| Provision for loan and lease losses | $40,000 | 3,421 |
| Total noninterest income | $598,000 | 1,948 |
| Gross Fiduciary activities income | $42,000 | 852 |
| Service charges on deposit accounts | $240,000 | 1,767 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $316,000 | 1,879 |
| Total noninterest expense | $2,051,000 | 2,247 |
| Salaries and employee benefits | $1,313,000 | 1,958 |
| Premises and equipment expense | $176,000 | 3,455 |
| Additional noninterest expense | $562,000 | 2,346 |
| Pre-tax net operating income | $1,579,000 | 1,473 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $474,000 | 1,336 |
| Income before extraordinary items | $1,105,000 | 1,559 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,105,000 | 1,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,253 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,105,000 | 1,546 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,725,000 | 1,773 |
| Total interest expense | $10,690,000 | 1,582 |
| Net interest income | $12,035,000 | 1,926 |
| Provision for loan and lease losses | $155,000 | 3,995 |
| Total noninterest income | $2,333,000 | 1,984 |
| Gross Fiduciary activities income | $155,000 | 860 |
| Service charges on deposit accounts | $1,017,000 | 1,725 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,161,000 | 2,012 |
| Total noninterest expense | $7,481,000 | 2,369 |
| Salaries and employee benefits | $4,641,000 | 2,105 |
| Premises and equipment expense | $642,000 | 3,578 |
| Additional noninterest expense | $2,198,000 | 2,362 |
| Pre-tax net operating income | $6,732,000 | 1,448 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,027,000 | 1,316 |
| Income before extraordinary items | $4,705,000 | 1,544 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,705,000 | 1,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,537 |
| Cash dividends | $5,500,000 | 643 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,705,000 | 1,523 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,787,000 | 1,796 |
| Total interest expense | $7,903,000 | 1,547 |
| Net interest income | $8,884,000 | 1,980 |
| Provision for loan and lease losses | $95,000 | 4,177 |
| Total noninterest income | $1,766,000 | 1,980 |
| Gross Fiduciary activities income | $112,000 | 861 |
| Service charges on deposit accounts | $758,000 | 1,742 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $896,000 | 1,983 |
| Total noninterest expense | $5,705,000 | 2,315 |
| Salaries and employee benefits | $3,517,000 | 2,087 |
| Premises and equipment expense | $501,000 | 3,470 |
| Additional noninterest expense | $1,687,000 | 2,295 |
| Pre-tax net operating income | $4,850,000 | 1,540 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,436,000 | 1,436 |
| Income before extraordinary items | $3,414,000 | 1,626 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,414,000 | 1,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,414,000 | 1,608 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,019,000 | 1,790 |
| Total interest expense | $4,981,000 | 1,562 |
| Net interest income | $6,038,000 | 1,935 |
| Provision for loan and lease losses | $55,000 | 4,340 |
| Total noninterest income | $1,161,000 | 2,001 |
| Gross Fiduciary activities income | $75,000 | 870 |
| Service charges on deposit accounts | $488,000 | 1,774 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $598,000 | 1,963 |
| Total noninterest expense | $3,816,000 | 2,320 |
| Salaries and employee benefits | $2,327,000 | 2,108 |
| Premises and equipment expense | $340,000 | 3,401 |
| Additional noninterest expense | $1,149,000 | 2,265 |
| Pre-tax net operating income | $3,328,000 | 1,517 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $990,000 | 1,410 |
| Income before extraordinary items | $2,338,000 | 1,577 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,338,000 | 1,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,217 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,338,000 | 1,562 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 1,767 |
| Total interest expense | $2,345,000 | 1,564 |
| Net interest income | $3,082,000 | 1,873 |
| Provision for loan and lease losses | $-25,000 | 8,578 |
| Total noninterest income | $558,000 | 2,040 |
| Gross Fiduciary activities income | $38,000 | 873 |
| Service charges on deposit accounts | $223,000 | 1,867 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $297,000 | 1,956 |
| Total noninterest expense | $1,938,000 | 2,297 |
| Salaries and employee benefits | $1,198,000 | 2,053 |
| Premises and equipment expense | $171,000 | 3,403 |
| Additional noninterest expense | $569,000 | 2,261 |
| Pre-tax net operating income | $1,727,000 | 1,439 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $516,000 | 1,362 |
| Income before extraordinary items | $1,211,000 | 1,498 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,211,000 | 1,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,248 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,211,000 | 1,482 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,845,000 | 1,530 |
| Total interest expense | $8,253,000 | 1,375 |
| Net interest income | $13,592,000 | 1,614 |
| Provision for loan and lease losses | $-510,000 | 8,750 |
| Total noninterest income | $2,153,000 | 2,098 |
| Gross Fiduciary activities income | $140,000 | 881 |
| Service charges on deposit accounts | $860,000 | 1,986 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,153,000 | 2,020 |
| Total noninterest expense | $7,552,000 | 2,217 |
| Salaries and employee benefits | $4,768,000 | 1,935 |
| Premises and equipment expense | $671,000 | 3,347 |
| Additional noninterest expense | $2,113,000 | 2,363 |
| Pre-tax net operating income | $8,703,000 | 1,115 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,674,000 | 1,063 |
| Income before extraordinary items | $6,029,000 | 1,193 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,029,000 | 1,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-226,000 | 8,742 |
| Cash dividends | $5,500,000 | 613 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,029,000 | 1,174 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,344,000 | 1,484 |
| Total interest expense | $6,015,000 | 1,330 |
| Net interest income | $10,329,000 | 1,575 |
| Provision for loan and lease losses | $130,000 | 3,749 |
| Total noninterest income | $1,630,000 | 2,080 |
| Gross Fiduciary activities income | $103,000 | 876 |
| Service charges on deposit accounts | $655,000 | 1,957 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $872,000 | 1,995 |
| Total noninterest expense | $5,785,000 | 2,138 |
| Salaries and employee benefits | $3,664,000 | 1,879 |
| Premises and equipment expense | $508,000 | 3,318 |
| Additional noninterest expense | $1,613,000 | 2,286 |
| Pre-tax net operating income | $6,044,000 | 1,186 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,834,000 | 1,164 |
| Income before extraordinary items | $4,210,000 | 1,292 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,210,000 | 1,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,141 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,210,000 | 1,269 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,890,000 | 1,446 |
| Total interest expense | $3,919,000 | 1,285 |
| Net interest income | $6,971,000 | 1,537 |
| Provision for loan and lease losses | $70,000 | 3,946 |
| Total noninterest income | $1,060,000 | 2,088 |
| Gross Fiduciary activities income | $70,000 | 881 |
| Service charges on deposit accounts | $428,000 | 1,961 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $562,000 | 2,023 |
| Total noninterest expense | $3,917,000 | 2,090 |
| Salaries and employee benefits | $2,491,000 | 1,839 |
| Premises and equipment expense | $346,000 | 3,227 |
| Additional noninterest expense | $1,080,000 | 2,266 |
| Pre-tax net operating income | $4,044,000 | 1,151 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,226,000 | 1,141 |
| Income before extraordinary items | $2,818,000 | 1,249 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,818,000 | 1,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,453 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,818,000 | 1,222 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,236,000 | 1,471 |
| Total interest expense | $1,785,000 | 1,340 |
| Net interest income | $3,451,000 | 1,539 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $506,000 | 2,122 |
| Gross Fiduciary activities income | $35,000 | 886 |
| Service charges on deposit accounts | $201,000 | 1,997 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $270,000 | 2,029 |
| Total noninterest expense | $2,019,000 | 2,049 |
| Salaries and employee benefits | $1,317,000 | 1,752 |
| Premises and equipment expense | $175,000 | 3,224 |
| Additional noninterest expense | $527,000 | 2,313 |
| Pre-tax net operating income | $1,928,000 | 1,187 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $581,000 | 1,174 |
| Income before extraordinary items | $1,347,000 | 1,282 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,347,000 | 1,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,822 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,347,000 | 1,258 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $21,151,000 | 1,343 |
| Total interest expense | $5,675,000 | 1,447 |
| Net interest income | $15,476,000 | 1,310 |
| Provision for loan and lease losses | $-15,000 | 8,684 |
| Total noninterest income | $2,146,000 | 2,097 |
| Gross Fiduciary activities income | $122,000 | 897 |
| Service charges on deposit accounts | $851,000 | 2,024 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,173,000 | 1,940 |
| Total noninterest expense | $7,616,000 | 2,095 |
| Salaries and employee benefits | $4,599,000 | 1,903 |
| Premises and equipment expense | $706,000 | 3,109 |
| Additional noninterest expense | $2,311,000 | 2,108 |
| Pre-tax net operating income | $10,021,000 | 886 |
| Securities gains (losses) | $-66,000 | 8,651 |
| Applicable income taxes | $3,096,000 | 881 |
| Income before extraordinary items | $6,859,000 | 967 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,859,000 | 968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-130,000 | 8,828 |
| Cash dividends | $5,600,000 | 561 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,904,540 | 919 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,804,000 | 1,332 |
| Total interest expense | $4,187,000 | 1,442 |
| Net interest income | $11,617,000 | 1,291 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $1,632,000 | 2,082 |
| Gross Fiduciary activities income | $89,000 | 903 |
| Service charges on deposit accounts | $630,000 | 2,064 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $913,000 | 1,894 |
| Total noninterest expense | $5,711,000 | 2,094 |
| Salaries and employee benefits | $3,433,000 | 1,901 |
| Premises and equipment expense | $548,000 | 3,007 |
| Additional noninterest expense | $1,730,000 | 2,086 |
| Pre-tax net operating income | $7,418,000 | 898 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,300,000 | 908 |
| Income before extraordinary items | $5,118,000 | 973 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,118,000 | 974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,118,000 | 937 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,505,000 | 1,320 |
| Total interest expense | $2,767,000 | 1,437 |
| Net interest income | $7,738,000 | 1,283 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $1,108,000 | 2,044 |
| Gross Fiduciary activities income | $58,000 | 923 |
| Service charges on deposit accounts | $407,000 | 2,115 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $643,000 | 1,823 |
| Total noninterest expense | $3,876,000 | 2,052 |
| Salaries and employee benefits | $2,276,000 | 1,908 |
| Premises and equipment expense | $381,000 | 2,909 |
| Additional noninterest expense | $1,219,000 | 1,963 |
| Pre-tax net operating income | $4,940,000 | 882 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,528,000 | 907 |
| Income before extraordinary items | $3,412,000 | 961 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,412,000 | 962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,540 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,412,000 | 925 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,297,000 | 1,313 |
| Total interest expense | $1,431,000 | 1,394 |
| Net interest income | $3,866,000 | 1,289 |
| Provision for loan and lease losses | $40,000 | 3,725 |
| Total noninterest income | $517,000 | 2,108 |
| Gross Fiduciary activities income | $27,000 | 942 |
| Service charges on deposit accounts | $182,000 | 2,264 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $308,000 | 1,853 |
| Total noninterest expense | $2,083,000 | 1,927 |
| Salaries and employee benefits | $1,166,000 | 1,878 |
| Premises and equipment expense | $213,000 | 2,655 |
| Additional noninterest expense | $704,000 | 1,686 |
| Pre-tax net operating income | $2,260,000 | 957 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $688,000 | 996 |
| Income before extraordinary items | $1,572,000 | 1,052 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,572,000 | 1,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,572,000 | 986 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,257,000 | 1,415 |
| Total interest expense | $6,295,000 | 1,410 |
| Net interest income | $13,962,000 | 1,398 |
| Provision for loan and lease losses | $360,000 | 2,773 |
| Total noninterest income | $2,938,000 | 1,717 |
| Gross Fiduciary activities income | $81,000 | 1,000 |
| Service charges on deposit accounts | $634,000 | 2,589 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,223,000 | 1,362 |
| Total noninterest expense | $7,288,000 | 2,160 |
| Salaries and employee benefits | $4,351,000 | 1,976 |
| Premises and equipment expense | $913,000 | 2,445 |
| Additional noninterest expense | $2,024,000 | 2,375 |
| Pre-tax net operating income | $9,252,000 | 921 |
| Securities gains (losses) | $-397,000 | 9,121 |
| Applicable income taxes | $2,654,000 | 1,021 |
| Income before extraordinary items | $6,201,000 | 1,033 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,201,000 | 1,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,366 |
| Cash dividends | $5,000,000 | 626 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,478,900 | 932 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,216,000 | 1,438 |
| Total interest expense | $4,822,000 | 1,440 |
| Net interest income | $10,394,000 | 1,416 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $2,396,000 | 1,643 |
| Gross Fiduciary activities income | $58,000 | 1,005 |
| Service charges on deposit accounts | $463,000 | 2,653 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,875,000 | 1,296 |
| Total noninterest expense | $5,487,000 | 2,161 |
| Salaries and employee benefits | $3,272,000 | 1,971 |
| Premises and equipment expense | $687,000 | 2,460 |
| Additional noninterest expense | $1,528,000 | 2,356 |
| Pre-tax net operating income | $6,853,000 | 964 |
| Securities gains (losses) | $-303,000 | 9,177 |
| Applicable income taxes | $1,954,000 | 1,081 |
| Income before extraordinary items | $4,596,000 | 1,093 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,596,000 | 1,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,377 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,808,100 | 978 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,309,000 | 1,424 |
| Total interest expense | $3,286,000 | 1,467 |
| Net interest income | $7,023,000 | 1,398 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $1,674,000 | 1,572 |
| Gross Fiduciary activities income | $36,000 | 1,021 |
| Service charges on deposit accounts | $298,000 | 2,665 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,340,000 | 1,229 |
| Total noninterest expense | $3,662,000 | 2,150 |
| Salaries and employee benefits | $2,204,000 | 1,936 |
| Premises and equipment expense | $430,000 | 2,586 |
| Additional noninterest expense | $1,028,000 | 2,304 |
| Pre-tax net operating income | $4,735,000 | 928 |
| Securities gains (losses) | $-188,000 | 9,224 |
| Applicable income taxes | $1,364,000 | 1,068 |
| Income before extraordinary items | $3,183,000 | 1,047 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,183,000 | 1,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,893 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,314,600 | 931 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,192,000 | 1,424 |
| Total interest expense | $1,657,000 | 1,498 |
| Net interest income | $3,535,000 | 1,387 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $772,000 | 1,633 |
| Gross Fiduciary activities income | $17,000 | 1,042 |
| Service charges on deposit accounts | $143,000 | 2,678 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $612,000 | 1,281 |
| Total noninterest expense | $1,872,000 | 2,088 |
| Salaries and employee benefits | $1,138,000 | 1,874 |
| Premises and equipment expense | $220,000 | 2,543 |
| Additional noninterest expense | $514,000 | 2,281 |
| Pre-tax net operating income | $2,285,000 | 974 |
| Securities gains (losses) | $-188,000 | 9,282 |
| Applicable income taxes | $619,000 | 1,158 |
| Income before extraordinary items | $1,478,000 | 1,129 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,478,000 | 1,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 9,018 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,609,600 | 963 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,377,000 | 1,442 |
| Total interest expense | $7,795,000 | 1,450 |
| Net interest income | $13,582,000 | 1,441 |
| Provision for loan and lease losses | $225,000 | 4,105 |
| Total noninterest income | $1,984,000 | 2,142 |
| Gross Fiduciary activities income | $44,000 | 1,134 |
| Service charges on deposit accounts | $566,000 | 2,684 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,374,000 | 1,767 |
| Total noninterest expense | $7,383,000 | 2,036 |
| Salaries and employee benefits | $4,361,000 | 1,840 |
| Premises and equipment expense | $812,000 | 2,651 |
| Additional noninterest expense | $2,210,000 | 2,095 |
| Pre-tax net operating income | $7,958,000 | 1,062 |
| Securities gains (losses) | $-34,000 | 9,044 |
| Applicable income taxes | $2,300,000 | 1,152 |
| Income before extraordinary items | $5,624,000 | 1,114 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,624,000 | 1,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 2,430 |
| Cash dividends | $5,000,000 | 609 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,648,140 | 1,070 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $22,827,000 | 1,491 |
| Total interest expense | $10,799,000 | 1,504 |
| Net interest income | $12,028,000 | 1,483 |
| Provision for loan and lease losses | $-1,565,000 | 9,600 |
| Total noninterest income | $1,464,000 | 2,560 |
| Gross Fiduciary activities income | $6,000 | 1,512 |
| Service charges on deposit accounts | $428,000 | 3,218 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,030,000 | 1,995 |
| Total noninterest expense | $7,229,000 | 1,985 |
| Salaries and employee benefits | $3,955,000 | 1,896 |
| Premises and equipment expense | $1,021,000 | 2,091 |
| Additional noninterest expense | $2,253,000 | 2,000 |
| Pre-tax net operating income | $7,828,000 | 965 |
| Securities gains (losses) | $155,000 | 1,381 |
| Applicable income taxes | $2,302,000 | 1,050 |
| Income before extraordinary items | $5,681,000 | 967 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,681,000 | 968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,045,000 | 9,608 |
| Cash dividends | $4,999,000 | 623 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,570,950 | 946 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,332,000 | 1,546 |
| Total interest expense | $11,018,000 | 1,560 |
| Net interest income | $11,314,000 | 1,552 |
| Provision for loan and lease losses | $2,334,000 | 548 |
| Total noninterest income | $944,000 | 3,266 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $340,000 | 3,682 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $604,000 | 2,621 |
| Total noninterest expense | $6,292,000 | 2,187 |
| Salaries and employee benefits | $3,447,000 | 2,066 |
| Premises and equipment expense | $1,045,000 | 1,984 |
| Additional noninterest expense | $1,800,000 | 2,381 |
| Pre-tax net operating income | $3,632,000 | 2,009 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $717,000 | 2,732 |
| Income before extraordinary items | $2,915,000 | 1,785 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,915,000 | 1,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,482 |
| Cash dividends | $8,241,000 | 438 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,915,000 | 1,787 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,807,000 | 1,569 |
| Total interest expense | $10,239,000 | 1,466 |
| Net interest income | $10,568,000 | 1,648 |
| Provision for loan and lease losses | $3,200,000 | 394 |
| Total noninterest income | $816,000 | 3,573 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $338,000 | 3,653 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $478,000 | 3,040 |
| Total noninterest expense | $6,189,000 | 2,208 |
| Salaries and employee benefits | $3,308,000 | 2,119 |
| Premises and equipment expense | $867,000 | 2,344 |
| Additional noninterest expense | $2,014,000 | 2,177 |
| Pre-tax net operating income | $1,995,000 | 3,350 |
| Securities gains (losses) | $-805,000 | 10,135 |
| Applicable income taxes | $-215,000 | 10,043 |
| Income before extraordinary items | $1,405,000 | 3,411 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,405,000 | 3,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,025,000 | 360 |
| Cash dividends | $1,117,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $237,000 | 702 |
| Net operating income | $2,210,000 | 2,326 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,891,000 | 1,547 |
| Total interest expense | $10,244,000 | 1,487 |
| Net interest income | $10,647,000 | 1,593 |
| Provision for loan and lease losses | $130,000 | 4,466 |
| Total noninterest income | $809,000 | 3,601 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $318,000 | 3,762 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $491,000 | 3,014 |
| Total noninterest expense | $5,922,000 | 2,207 |
| Salaries and employee benefits | $3,162,000 | 2,142 |
| Premises and equipment expense | $839,000 | 2,323 |
| Additional noninterest expense | $1,921,000 | 2,184 |
| Pre-tax net operating income | $5,404,000 | 1,395 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $1,463,000 | 1,669 |
| Income before extraordinary items | $3,951,000 | 1,347 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,951,000 | 1,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,174 |
| Cash dividends | $3,381,000 | 895 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,943,700 | 1,292 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,999,000 | 1,646 |
| Total interest expense | $9,639,000 | 1,607 |
| Net interest income | $10,360,000 | 1,686 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $801,000 | 3,566 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $324,000 | 3,843 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $477,000 | 2,920 |
| Total noninterest expense | $5,665,000 | 2,276 |
| Salaries and employee benefits | $3,027,000 | 2,189 |
| Premises and equipment expense | $857,000 | 2,292 |
| Additional noninterest expense | $1,781,000 | 2,330 |
| Pre-tax net operating income | $5,316,000 | 1,459 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,436,000 | 1,767 |
| Income before extraordinary items | $3,880,000 | 1,411 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,880,000 | 1,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,842 |
| Cash dividends | $3,706,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,880,000 | 1,372 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,842,000 | 1,793 |
| Total interest expense | $9,043,000 | 1,749 |
| Net interest income | $9,799,000 | 1,813 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $671,000 | 4,237 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $320,000 | 4,027 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $351,000 | 3,691 |
| Total noninterest expense | $5,640,000 | 2,438 |
| Salaries and employee benefits | $2,817,000 | 2,355 |
| Premises and equipment expense | $805,000 | 2,441 |
| Additional noninterest expense | $2,018,000 | 2,428 |
| Pre-tax net operating income | $4,806,000 | 1,505 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,289,000 | 1,870 |
| Income before extraordinary items | $3,517,000 | 1,409 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,517,000 | 1,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,223 |
| Cash dividends | $9,259,000 | 447 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,517,000 | 1,371 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,534,000 | 1,828 |
| Total interest expense | $9,200,000 | 1,727 |
| Net interest income | $9,334,000 | 1,922 |
| Provision for loan and lease losses | $135,000 | 3,846 |
| Total noninterest income | $700,000 | 4,088 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $311,000 | 4,169 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $389,000 | 3,362 |
| Total noninterest expense | $5,438,000 | 2,505 |
| Salaries and employee benefits | $2,705,000 | 2,469 |
| Premises and equipment expense | $767,000 | 2,592 |
| Additional noninterest expense | $1,966,000 | 2,428 |
| Pre-tax net operating income | $4,461,000 | 1,650 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,160,000 | 2,087 |
| Income before extraordinary items | $3,301,000 | 1,548 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,301,000 | 1,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,295 |
| Cash dividends | $480,000 | 3,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,301,000 | 1,526 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,033,000 | 1,810 |
| Total interest expense | $7,720,000 | 1,636 |
| Net interest income | $9,313,000 | 1,947 |
| Provision for loan and lease losses | $-28,000 | 11,890 |
| Total noninterest income | $557,000 | 4,914 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $309,000 | 4,260 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $248,000 | 4,617 |
| Total noninterest expense | $5,372,000 | 2,593 |
| Salaries and employee benefits | $2,610,000 | 2,551 |
| Premises and equipment expense | $720,000 | 2,762 |
| Additional noninterest expense | $2,042,000 | 2,530 |
| Pre-tax net operating income | $4,526,000 | 1,587 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $1,160,000 | 1,947 |
| Income before extraordinary items | $3,376,000 | 1,460 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,376,000 | 1,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 11,800 |
| Cash dividends | $422,000 | 3,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,368,600 | 1,475 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,283,000 | 1,809 |
| Total interest expense | $8,261,000 | 1,602 |
| Net interest income | $9,022,000 | 2,003 |
| Provision for loan and lease losses | $-40,000 | 12,687 |
| Total noninterest income | $493,000 | 5,658 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $281,000 | 4,678 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $212,000 | 5,484 |
| Total noninterest expense | $5,184,000 | 2,752 |
| Salaries and employee benefits | $2,496,000 | 2,651 |
| Premises and equipment expense | $706,000 | 2,854 |
| Additional noninterest expense | $1,982,000 | 2,757 |
| Pre-tax net operating income | $4,371,000 | 1,592 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $1,170,000 | 1,968 |
| Income before extraordinary items | $3,218,000 | 1,585 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,218,000 | 1,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-195,000 | 13,111 |
| Cash dividends | $298,000 | 4,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,205,590 | 1,498 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,050,000 | 1,969 |
| Total interest expense | $9,351,000 | 1,811 |
| Net interest income | $8,699,000 | 2,096 |
| Provision for loan and lease losses | $300,000 | 4,111 |
| Total noninterest income | $451,000 | 6,071 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $266,000 | 4,900 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $185,000 | 5,932 |
| Total noninterest expense | $5,059,000 | 2,832 |
| Salaries and employee benefits | $2,398,000 | 2,706 |
| Premises and equipment expense | $711,000 | 2,886 |
| Additional noninterest expense | $1,950,000 | 2,857 |
| Pre-tax net operating income | $3,791,000 | 1,641 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $1,028,000 | 2,059 |
| Income before extraordinary items | $2,773,000 | 1,660 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,773,000 | 1,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 6,447 |
| Cash dividends | $226,000 | 4,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,765,700 | 1,541 |
* 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.