Home > Security State Bank of Maple Lake > Income and Expense
Security State Bank of Maple Lake, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,721,000 | 6,389 |
| Total interest expense | $1,536,000 | 6,386 |
| Net interest income | $2,185,000 | 6,309 |
| Provision for loan and lease losses | $215,000 | 3,755 |
| Total noninterest income | $425,000 | 5,373 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $273,000 | 4,284 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $152,000 | 5,551 |
| Total noninterest expense | $1,568,000 | 6,813 |
| Salaries and employee benefits | $949,000 | 6,561 |
| Premises and equipment expense | $257,000 | 6,183 |
| Additional noninterest expense | $362,000 | 7,240 |
| Pre-tax net operating income | $827,000 | 5,120 |
| Securities gains (losses) | $-5,000 | 7,390 |
| Applicable income taxes | $2,000 | 5,906 |
| Income before extraordinary items | $820,000 | 4,741 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $820,000 | 4,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,643 |
| Cash dividends | $345,000 | 4,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $825,000 | 4,706 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,616,000 | 6,563 |
| Total interest expense | $1,098,000 | 6,508 |
| Net interest income | $1,518,000 | 6,502 |
| Provision for loan and lease losses | $115,000 | 3,913 |
| Total noninterest income | $279,000 | 5,685 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $186,000 | 4,489 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $93,000 | 5,922 |
| Total noninterest expense | $1,099,000 | 6,956 |
| Salaries and employee benefits | $671,000 | 6,692 |
| Premises and equipment expense | $187,000 | 6,246 |
| Additional noninterest expense | $241,000 | 7,427 |
| Pre-tax net operating income | $583,000 | 5,494 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,000 | 6,113 |
| Income before extraordinary items | $582,000 | 5,061 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $582,000 | 5,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,810 |
| Cash dividends | $130,000 | 4,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $582,000 | 5,055 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,499,000 | 6,919 |
| Total interest expense | $639,000 | 6,784 |
| Net interest income | $860,000 | 6,932 |
| Provision for loan and lease losses | $40,000 | 4,625 |
| Total noninterest income | $149,000 | 6,148 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $103,000 | 4,880 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $46,000 | 6,404 |
| Total noninterest expense | $661,000 | 7,201 |
| Salaries and employee benefits | $398,000 | 7,010 |
| Premises and equipment expense | $114,000 | 6,495 |
| Additional noninterest expense | $149,000 | 7,585 |
| Pre-tax net operating income | $308,000 | 5,980 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,000 | 6,141 |
| Income before extraordinary items | $307,000 | 5,606 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $307,000 | 5,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,011 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $307,000 | 5,581 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $384,000 | 8,028 |
| Total interest expense | $167,000 | 7,813 |
| Net interest income | $217,000 | 8,074 |
| Provision for loan and lease losses | $5,000 | 5,396 |
| Total noninterest income | $35,000 | 7,298 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $24,000 | 6,111 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $158,000 | 8,254 |
| Salaries and employee benefits | $90,000 | 8,235 |
| Premises and equipment expense | $31,000 | 7,555 |
| Additional noninterest expense | $37,000 | 8,335 |
| Pre-tax net operating income | $89,000 | 6,800 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $89,000 | 6,564 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $89,000 | 6,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,733 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $89,000 | 6,552 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,365,000 | 5,905 |
| Total interest expense | $1,409,000 | 6,251 |
| Net interest income | $2,956,000 | 5,568 |
| Provision for loan and lease losses | $48,000 | 5,647 |
| Total noninterest income | $540,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $369,000 | 3,708 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $171,000 | 5,395 |
| Total noninterest expense | $2,427,000 | 5,582 |
| Salaries and employee benefits | $1,639,000 | 4,907 |
| Premises and equipment expense | $348,000 | 5,342 |
| Additional noninterest expense | $440,000 | 6,856 |
| Pre-tax net operating income | $1,021,000 | 5,147 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-1,000 | 8,132 |
| Income before extraordinary items | $1,022,000 | 4,666 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,022,000 | 4,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $979,000 | 2,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,022,000 | 4,657 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,262,000 | 5,938 |
| Total interest expense | $1,020,000 | 6,279 |
| Net interest income | $2,242,000 | 5,587 |
| Provision for loan and lease losses | $36,000 | 5,493 |
| Total noninterest income | $404,000 | 4,991 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $282,000 | 3,688 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $122,000 | 5,499 |
| Total noninterest expense | $1,593,000 | 5,973 |
| Salaries and employee benefits | $1,005,000 | 5,539 |
| Premises and equipment expense | $264,000 | 5,308 |
| Additional noninterest expense | $324,000 | 6,925 |
| Pre-tax net operating income | $1,017,000 | 4,677 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-1,000 | 8,369 |
| Income before extraordinary items | $1,018,000 | 4,126 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,018,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $526,000 | 2,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,018,000 | 4,110 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,143,000 | 5,961 |
| Total interest expense | $668,000 | 6,233 |
| Net interest income | $1,475,000 | 5,651 |
| Provision for loan and lease losses | $24,000 | 5,394 |
| Total noninterest income | $274,000 | 4,945 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $195,000 | 3,600 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $79,000 | 5,587 |
| Total noninterest expense | $1,070,000 | 5,962 |
| Salaries and employee benefits | $692,000 | 5,462 |
| Premises and equipment expense | $173,000 | 5,359 |
| Additional noninterest expense | $205,000 | 7,052 |
| Pre-tax net operating income | $655,000 | 4,783 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-2,000 | 8,440 |
| Income before extraordinary items | $657,000 | 4,220 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $657,000 | 4,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $394,000 | 2,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $657,000 | 4,210 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,076,000 | 5,904 |
| Total interest expense | $334,000 | 6,151 |
| Net interest income | $742,000 | 5,622 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $133,000 | 4,967 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $91,000 | 3,680 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,444 |
| Total noninterest expense | $523,000 | 6,042 |
| Salaries and employee benefits | $338,000 | 5,552 |
| Premises and equipment expense | $86,000 | 5,415 |
| Additional noninterest expense | $99,000 | 7,106 |
| Pre-tax net operating income | $340,000 | 4,654 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-2,000 | 8,456 |
| Income before extraordinary items | $342,000 | 4,072 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $342,000 | 4,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $342,000 | 4,057 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,979,000 | 5,847 |
| Total interest expense | $1,111,000 | 6,020 |
| Net interest income | $2,868,000 | 5,638 |
| Provision for loan and lease losses | $84,000 | 5,073 |
| Total noninterest income | $574,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $414,000 | 3,484 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $160,000 | 5,609 |
| Total noninterest expense | $2,082,000 | 5,978 |
| Salaries and employee benefits | $1,275,000 | 5,582 |
| Premises and equipment expense | $349,000 | 5,299 |
| Additional noninterest expense | $458,000 | 6,796 |
| Pre-tax net operating income | $1,276,000 | 4,773 |
| Securities gains (losses) | $-6,000 | 7,363 |
| Applicable income taxes | $2,000 | 6,781 |
| Income before extraordinary items | $1,268,000 | 4,208 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,268,000 | 4,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,855 |
| Cash dividends | $829,000 | 2,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,274,000 | 4,174 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,944,000 | 5,858 |
| Total interest expense | $795,000 | 6,028 |
| Net interest income | $2,149,000 | 5,660 |
| Provision for loan and lease losses | $72,000 | 4,758 |
| Total noninterest income | $408,000 | 5,067 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $288,000 | 3,663 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 5,607 |
| Total noninterest expense | $1,511,000 | 6,052 |
| Salaries and employee benefits | $928,000 | 5,675 |
| Premises and equipment expense | $263,000 | 5,258 |
| Additional noninterest expense | $320,000 | 6,960 |
| Pre-tax net operating income | $974,000 | 4,833 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $973,000 | 4,236 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $973,000 | 4,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,651 |
| Cash dividends | $536,000 | 2,690 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $973,000 | 4,187 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,891,000 | 5,904 |
| Total interest expense | $499,000 | 6,049 |
| Net interest income | $1,392,000 | 5,740 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $247,000 | 5,242 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $174,000 | 3,815 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $73,000 | 5,795 |
| Total noninterest expense | $1,022,000 | 5,999 |
| Salaries and employee benefits | $635,000 | 5,559 |
| Premises and equipment expense | $181,000 | 5,157 |
| Additional noninterest expense | $206,000 | 7,021 |
| Pre-tax net operating income | $572,000 | 5,119 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 6,848 |
| Income before extraordinary items | $571,000 | 4,550 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $571,000 | 4,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $414,000 | 2,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $571,000 | 4,494 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $931,000 | 5,938 |
| Total interest expense | $237,000 | 6,114 |
| Net interest income | $694,000 | 5,758 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $107,000 | 5,534 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $77,000 | 4,013 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,174 |
| Total noninterest expense | $506,000 | 6,061 |
| Salaries and employee benefits | $309,000 | 5,696 |
| Premises and equipment expense | $95,000 | 5,050 |
| Additional noninterest expense | $102,000 | 7,090 |
| Pre-tax net operating income | $283,000 | 5,146 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $283,000 | 4,527 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $283,000 | 4,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $295,000 | 1,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $283,000 | 4,487 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,508,000 | 5,965 |
| Total interest expense | $879,000 | 6,009 |
| Net interest income | $2,629,000 | 5,840 |
| Provision for loan and lease losses | $50,000 | 5,899 |
| Total noninterest income | $483,000 | 5,354 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $360,000 | 3,871 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $123,000 | 6,060 |
| Total noninterest expense | $2,018,000 | 5,975 |
| Salaries and employee benefits | $1,192,000 | 5,713 |
| Premises and equipment expense | $384,000 | 4,897 |
| Additional noninterest expense | $442,000 | 6,882 |
| Pre-tax net operating income | $1,044,000 | 5,134 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $2,000 | 7,032 |
| Income before extraordinary items | $1,045,000 | 4,571 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,045,000 | 4,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,559 |
| Cash dividends | $711,000 | 2,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,042,000 | 4,506 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,578,000 | 6,026 |
| Total interest expense | $658,000 | 5,999 |
| Net interest income | $1,920,000 | 5,928 |
| Provision for loan and lease losses | $27,000 | 6,080 |
| Total noninterest income | $367,000 | 5,342 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $274,000 | 3,876 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $93,000 | 6,063 |
| Total noninterest expense | $1,462,000 | 6,048 |
| Salaries and employee benefits | $858,000 | 5,806 |
| Premises and equipment expense | $285,000 | 4,920 |
| Additional noninterest expense | $319,000 | 6,952 |
| Pre-tax net operating income | $798,000 | 5,186 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $1,000 | 7,130 |
| Income before extraordinary items | $800,000 | 4,632 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $800,000 | 4,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $460,000 | 2,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $797,000 | 4,550 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 6,161 |
| Total interest expense | $439,000 | 6,018 |
| Net interest income | $1,210,000 | 6,125 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $243,000 | 5,360 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $180,000 | 3,909 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $63,000 | 6,049 |
| Total noninterest expense | $987,000 | 6,034 |
| Salaries and employee benefits | $587,000 | 5,764 |
| Premises and equipment expense | $190,000 | 4,934 |
| Additional noninterest expense | $210,000 | 7,018 |
| Pre-tax net operating income | $451,000 | 5,565 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $1,000 | 7,109 |
| 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 | 5,407 |
| Cash dividends | $358,000 | 2,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $450,000 | 4,916 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $804,000 | 6,245 |
| Total interest expense | $225,000 | 6,002 |
| Net interest income | $579,000 | 6,260 |
| Provision for loan and lease losses | $7,000 | 5,890 |
| Total noninterest income | $124,000 | 5,242 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $93,000 | 3,737 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $31,000 | 6,045 |
| Total noninterest expense | $487,000 | 6,127 |
| Salaries and employee benefits | $285,000 | 5,888 |
| Premises and equipment expense | $97,000 | 4,884 |
| Additional noninterest expense | $105,000 | 7,018 |
| Pre-tax net operating income | $209,000 | 5,725 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $210,000 | 5,214 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $210,000 | 5,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $270,000 | 1,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $209,000 | 5,108 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,419,000 | 6,101 |
| Total interest expense | $975,000 | 6,194 |
| Net interest income | $2,444,000 | 5,981 |
| Provision for loan and lease losses | $18,000 | 7,137 |
| Total noninterest income | $462,000 | 5,629 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $351,000 | 3,940 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $111,000 | 6,356 |
| Total noninterest expense | $1,905,000 | 6,148 |
| Salaries and employee benefits | $1,147,000 | 5,792 |
| Premises and equipment expense | $349,000 | 5,180 |
| Additional noninterest expense | $409,000 | 7,099 |
| Pre-tax net operating income | $983,000 | 5,220 |
| Securities gains (losses) | $17,000 | 3,315 |
| Applicable income taxes | $3,000 | 7,286 |
| Income before extraordinary items | $997,000 | 4,660 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $997,000 | 4,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,674 |
| Cash dividends | $784,000 | 2,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $980,000 | 4,526 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,603,000 | 6,146 |
| Total interest expense | $740,000 | 6,304 |
| Net interest income | $1,863,000 | 5,956 |
| Provision for loan and lease losses | $14,000 | 7,000 |
| Total noninterest income | $342,000 | 5,723 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $259,000 | 3,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 6,408 |
| Total noninterest expense | $1,377,000 | 6,236 |
| Salaries and employee benefits | $825,000 | 5,919 |
| Premises and equipment expense | $245,000 | 5,397 |
| Additional noninterest expense | $307,000 | 7,076 |
| Pre-tax net operating income | $814,000 | 5,075 |
| Securities gains (losses) | $19,000 | 2,984 |
| Applicable income taxes | $3,000 | 7,331 |
| Income before extraordinary items | $830,000 | 4,494 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $830,000 | 4,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $605,000 | 2,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $811,000 | 4,383 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,710,000 | 6,218 |
| Total interest expense | $501,000 | 6,390 |
| Net interest income | $1,209,000 | 6,042 |
| Provision for loan and lease losses | $9,000 | 6,877 |
| Total noninterest income | $220,000 | 5,791 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $169,000 | 4,024 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $51,000 | 6,530 |
| Total noninterest expense | $904,000 | 6,326 |
| Salaries and employee benefits | $536,000 | 6,000 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $207,000 | 7,051 |
| Pre-tax net operating income | $516,000 | 5,243 |
| Securities gains (losses) | $18,000 | 2,668 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $532,000 | 4,632 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $532,000 | 4,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $463,000 | 2,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $514,000 | 4,522 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $834,000 | 6,326 |
| Total interest expense | $255,000 | 6,435 |
| Net interest income | $579,000 | 6,168 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $108,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 4,080 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $28,000 | 6,362 |
| Total noninterest expense | $478,000 | 6,151 |
| Salaries and employee benefits | $294,000 | 5,688 |
| Premises and equipment expense | $81,000 | 5,408 |
| Additional noninterest expense | $103,000 | 7,068 |
| Pre-tax net operating income | $204,000 | 5,794 |
| Securities gains (losses) | $17,000 | 1,982 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $220,000 | 5,061 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $220,000 | 5,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $362,000 | 1,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $203,000 | 5,104 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,489,000 | 6,351 |
| Total interest expense | $1,193,000 | 6,446 |
| Net interest income | $2,296,000 | 6,186 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $498,000 | 5,231 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $353,000 | 3,848 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $145,000 | 5,673 |
| Total noninterest expense | $1,777,000 | 6,300 |
| Salaries and employee benefits | $1,085,000 | 5,854 |
| Premises and equipment expense | $252,000 | 6,109 |
| Additional noninterest expense | $440,000 | 6,880 |
| Pre-tax net operating income | $987,000 | 5,239 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $169,000 | 5,347 |
| Income before extraordinary items | $819,000 | 5,134 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $819,000 | 5,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,374 |
| Cash dividends | $526,000 | 3,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $818,170 | 5,003 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,367,000 | 6,050 |
| Total interest expense | $1,751,000 | 6,506 |
| Net interest income | $2,616,000 | 5,566 |
| Provision for loan and lease losses | $149,000 | 4,824 |
| Total noninterest income | $1,930,000 | 2,071 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $470,000 | 2,981 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,460,000 | 1,559 |
| Total noninterest expense | $2,187,000 | 5,405 |
| Salaries and employee benefits | $1,262,000 | 5,130 |
| Premises and equipment expense | $243,000 | 6,170 |
| Additional noninterest expense | $682,000 | 5,383 |
| Pre-tax net operating income | $2,210,000 | 2,942 |
| Securities gains (losses) | $18,000 | 3,221 |
| Applicable income taxes | $895,000 | 2,250 |
| Income before extraordinary items | $1,333,000 | 3,523 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,333,000 | 3,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,068 |
| Cash dividends | $211,000 | 4,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,321,480 | 3,457 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,405,000 | 6,168 |
| Total interest expense | $1,997,000 | 6,280 |
| Net interest income | $2,408,000 | 5,947 |
| Provision for loan and lease losses | $45,000 | 6,708 |
| Total noninterest income | $610,000 | 4,367 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $495,000 | 2,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,102 |
| Total noninterest expense | $1,994,000 | 5,692 |
| Salaries and employee benefits | $1,211,000 | 5,188 |
| Premises and equipment expense | $258,000 | 5,931 |
| Additional noninterest expense | $525,000 | 6,244 |
| Pre-tax net operating income | $979,000 | 5,307 |
| Securities gains (losses) | $-32,000 | 8,979 |
| Applicable income taxes | $375,000 | 4,132 |
| Income before extraordinary items | $572,000 | 5,971 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $572,000 | 5,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,684 |
| Cash dividends | $158,000 | 5,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $592,480 | 5,903 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,945,000 | 6,421 |
| Total interest expense | $1,867,000 | 6,225 |
| Net interest income | $2,078,000 | 6,501 |
| Provision for loan and lease losses | $16,000 | 7,832 |
| Total noninterest income | $539,000 | 4,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $441,000 | 2,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 6,696 |
| Total noninterest expense | $1,746,000 | 6,186 |
| Salaries and employee benefits | $1,082,000 | 5,572 |
| Premises and equipment expense | $231,000 | 6,323 |
| Additional noninterest expense | $433,000 | 7,025 |
| Pre-tax net operating income | $855,000 | 5,740 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $344,000 | 4,508 |
| Income before extraordinary items | $511,000 | 6,359 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $511,000 | 6,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $187,000 | 5,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $511,000 | 6,340 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,732,000 | 6,725 |
| Total interest expense | $1,768,000 | 6,608 |
| Net interest income | $1,964,000 | 6,735 |
| Provision for loan and lease losses | $56,000 | 6,406 |
| Total noninterest income | $482,000 | 5,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $385,000 | 3,237 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,704 |
| Total noninterest expense | $1,592,000 | 6,446 |
| Salaries and employee benefits | $978,000 | 5,862 |
| Premises and equipment expense | $168,000 | 7,274 |
| Additional noninterest expense | $446,000 | 6,837 |
| Pre-tax net operating income | $798,000 | 6,100 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $309,000 | 5,095 |
| Income before extraordinary items | $489,000 | 6,670 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $489,000 | 6,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $566,000 | 3,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $489,000 | 6,561 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,323,000 | 7,381 |
| Total interest expense | $1,483,000 | 7,391 |
| Net interest income | $1,840,000 | 7,234 |
| Provision for loan and lease losses | $53,000 | 6,553 |
| Total noninterest income | $457,000 | 5,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $358,000 | 3,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 6,819 |
| Total noninterest expense | $1,322,000 | 7,251 |
| Salaries and employee benefits | $816,000 | 6,698 |
| Premises and equipment expense | $130,000 | 8,242 |
| Additional noninterest expense | $376,000 | 7,565 |
| Pre-tax net operating income | $922,000 | 6,078 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $356,000 | 5,248 |
| Income before extraordinary items | $566,000 | 6,558 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $566,000 | 6,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,842 |
| Cash dividends | $518,000 | 3,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $566,000 | 6,507 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,097,000 | 7,883 |
| Total interest expense | $1,342,000 | 7,980 |
| Net interest income | $1,755,000 | 7,651 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $522,000 | 5,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $339,000 | 3,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,422 |
| Total noninterest expense | $1,126,000 | 8,241 |
| Salaries and employee benefits | $689,000 | 7,599 |
| Premises and equipment expense | $117,000 | 8,867 |
| Additional noninterest expense | $320,000 | 8,670 |
| Pre-tax net operating income | $1,127,000 | 5,325 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $424,000 | 4,708 |
| Income before extraordinary items | $704,000 | 5,746 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $704,000 | 5,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,880 |
| Cash dividends | $467,000 | 3,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $703,360 | 5,696 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,771,000 | 8,534 |
| Total interest expense | $1,230,000 | 8,493 |
| Net interest income | $1,541,000 | 8,423 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $451,000 | 5,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $328,000 | 3,981 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,567 |
| Total noninterest expense | $1,105,000 | 8,557 |
| Salaries and employee benefits | $673,000 | 7,905 |
| Premises and equipment expense | $111,000 | 9,279 |
| Additional noninterest expense | $321,000 | 9,019 |
| Pre-tax net operating income | $863,000 | 6,582 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $317,000 | 5,810 |
| Income before extraordinary items | $532,000 | 7,015 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $532,000 | 7,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,645 |
| Cash dividends | $338,000 | 4,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $540,960 | 6,938 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 8,872 |
| Total interest expense | $974,000 | 8,806 |
| Net interest income | $1,549,000 | 8,738 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $380,000 | 6,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,303 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,448 |
| Total noninterest expense | $1,034,000 | 9,232 |
| Salaries and employee benefits | $597,000 | 8,628 |
| Premises and equipment expense | $109,000 | 9,741 |
| Additional noninterest expense | $328,000 | 9,619 |
| Pre-tax net operating income | $795,000 | 6,891 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $295,000 | 5,938 |
| Income before extraordinary items | $500,000 | 7,320 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $500,000 | 7,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $345,000 | 4,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $500,000 | 7,345 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,460,000 | 9,268 |
| Total interest expense | $1,027,000 | 8,979 |
| Net interest income | $1,433,000 | 9,326 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $342,000 | 7,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,496 |
| Total noninterest expense | $951,000 | 9,973 |
| Salaries and employee benefits | $552,000 | 9,193 |
| Premises and equipment expense | $94,000 | 10,650 |
| Additional noninterest expense | $305,000 | 10,379 |
| Pre-tax net operating income | $800,000 | 6,809 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $285,000 | 6,264 |
| Income before extraordinary items | $515,000 | 7,426 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $515,000 | 7,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $274,000 | 4,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $515,000 | 7,189 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,582,000 | 9,756 |
| Total interest expense | $1,217,000 | 9,543 |
| Net interest income | $1,365,000 | 9,753 |
| Provision for loan and lease losses | $44,000 | 9,347 |
| Total noninterest income | $296,000 | 7,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $240,000 | 5,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 10,037 |
| Total noninterest expense | $878,000 | 10,621 |
| Salaries and employee benefits | $485,000 | 9,921 |
| Premises and equipment expense | $86,000 | 11,263 |
| Additional noninterest expense | $307,000 | 10,733 |
| Pre-tax net operating income | $739,000 | 6,891 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $270,000 | 6,362 |
| Income before extraordinary items | $471,000 | 7,573 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $471,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 10,059 |
| Cash dividends | $365,000 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $469,720 | 7,227 |
* 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.