Home > Sleepy Hollow Bank > Income and Expense
Sleepy Hollow Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,049,000 | 3,186 |
| Total interest expense | $1,722,000 | 2,537 |
| Net interest income | $1,327,000 | 3,811 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $217,000 | 3,828 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $154,000 | 2,562 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $63,000 | 4,607 |
| Total noninterest expense | $2,436,000 | 1,966 |
| Salaries and employee benefits | $1,588,000 | 1,656 |
| Premises and equipment expense | $289,000 | 2,343 |
| Additional noninterest expense | $559,000 | 2,464 |
| Pre-tax net operating income | $-892,000 | 8,250 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-168,000 | 8,230 |
| Income before extraordinary items | $-724,000 | 8,249 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-724,000 | 8,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,367 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-724,000 | 8,237 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,887,000 | 3,094 |
| Total interest expense | $7,051,000 | 2,608 |
| Net interest income | $5,836,000 | 3,574 |
| Provision for loan and lease losses | $437,000 | 2,555 |
| Total noninterest income | $1,146,000 | 3,234 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $680,000 | 2,424 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $466,000 | 3,439 |
| Total noninterest expense | $7,921,000 | 2,311 |
| Salaries and employee benefits | $3,954,000 | 2,508 |
| Premises and equipment expense | $1,094,000 | 2,374 |
| Additional noninterest expense | $2,873,000 | 1,915 |
| Pre-tax net operating income | $-1,376,000 | 8,161 |
| Securities gains (losses) | $-3,000 | 7,272 |
| Applicable income taxes | $-440,000 | 8,291 |
| Income before extraordinary items | $-939,000 | 8,088 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-939,000 | 8,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $568,000 | 1,543 |
| Cash dividends | $529,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-936,960 | 8,079 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,719,000 | 3,066 |
| Total interest expense | $5,274,000 | 2,604 |
| Net interest income | $4,445,000 | 3,543 |
| Provision for loan and lease losses | $437,000 | 1,754 |
| Total noninterest income | $903,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $518,000 | 2,371 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $385,000 | 3,276 |
| Total noninterest expense | $4,715,000 | 2,818 |
| Salaries and employee benefits | $2,521,000 | 2,896 |
| Premises and equipment expense | $816,000 | 2,368 |
| Additional noninterest expense | $1,378,000 | 2,816 |
| Pre-tax net operating income | $196,000 | 6,984 |
| Securities gains (losses) | $-3,000 | 7,511 |
| Applicable income taxes | $-122,000 | 8,259 |
| Income before extraordinary items | $315,000 | 6,238 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $315,000 | 6,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $520,000 | 1,041 |
| Cash dividends | $529,000 | 2,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $318,000 | 6,213 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,423,000 | 3,094 |
| Total interest expense | $3,470,000 | 2,643 |
| Net interest income | $2,953,000 | 3,580 |
| Provision for loan and lease losses | $277,000 | 1,656 |
| Total noninterest income | $664,000 | 2,935 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $356,000 | 2,330 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $308,000 | 2,975 |
| Total noninterest expense | $2,984,000 | 2,985 |
| Salaries and employee benefits | $1,545,000 | 3,166 |
| Premises and equipment expense | $567,000 | 2,279 |
| Additional noninterest expense | $872,000 | 2,958 |
| Pre-tax net operating income | $356,000 | 5,739 |
| Securities gains (losses) | $-3,000 | 7,770 |
| Applicable income taxes | $26,000 | 5,192 |
| Income before extraordinary items | $327,000 | 5,471 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $327,000 | 5,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 1,162 |
| Cash dividends | $399,000 | 2,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $329,790 | 5,445 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,212,000 | 3,084 |
| Total interest expense | $1,713,000 | 2,663 |
| Net interest income | $1,499,000 | 3,540 |
| Provision for loan and lease losses | $21,000 | 4,310 |
| Total noninterest income | $320,000 | 2,989 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $174,000 | 2,309 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $146,000 | 3,072 |
| Total noninterest expense | $1,432,000 | 3,093 |
| Salaries and employee benefits | $793,000 | 3,110 |
| Premises and equipment expense | $277,000 | 2,354 |
| Additional noninterest expense | $362,000 | 3,442 |
| Pre-tax net operating income | $366,000 | 4,211 |
| Securities gains (losses) | $-3,000 | 8,110 |
| Applicable income taxes | $58,000 | 3,953 |
| Income before extraordinary items | $305,000 | 4,128 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $305,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,735 |
| Cash dividends | $199,000 | 2,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $307,520 | 4,087 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,239,000 | 2,838 |
| Total interest expense | $6,618,000 | 2,387 |
| Net interest income | $6,621,000 | 3,266 |
| Provision for loan and lease losses | $75,000 | 5,084 |
| Total noninterest income | $1,595,000 | 2,600 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $756,000 | 2,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $839,000 | 2,504 |
| Total noninterest expense | $6,720,000 | 2,604 |
| Salaries and employee benefits | $3,619,000 | 2,663 |
| Premises and equipment expense | $1,132,000 | 2,182 |
| Additional noninterest expense | $1,969,000 | 2,599 |
| Pre-tax net operating income | $1,421,000 | 4,414 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $275,000 | 3,923 |
| Income before extraordinary items | $1,146,000 | 4,386 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,146,000 | 4,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,090 |
| Cash dividends | $1,325,000 | 2,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,146,000 | 4,366 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,930,000 | 2,809 |
| Total interest expense | $4,886,000 | 2,359 |
| Net interest income | $5,044,000 | 3,239 |
| Provision for loan and lease losses | $75,000 | 4,564 |
| Total noninterest income | $1,262,000 | 2,506 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $572,000 | 2,214 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $690,000 | 2,338 |
| Total noninterest expense | $5,214,000 | 2,521 |
| Salaries and employee benefits | $2,885,000 | 2,522 |
| Premises and equipment expense | $842,000 | 2,213 |
| Additional noninterest expense | $1,487,000 | 2,584 |
| Pre-tax net operating income | $1,017,000 | 4,677 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $150,000 | 4,479 |
| Income before extraordinary items | $867,000 | 4,508 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $867,000 | 4,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,191 |
| Cash dividends | $874,000 | 2,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $867,000 | 4,495 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,577,000 | 2,794 |
| Total interest expense | $3,169,000 | 2,315 |
| Net interest income | $3,408,000 | 3,204 |
| Provision for loan and lease losses | $75,000 | 3,786 |
| Total noninterest income | $878,000 | 2,436 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $388,000 | 2,154 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $490,000 | 2,245 |
| Total noninterest expense | $3,561,000 | 2,480 |
| Salaries and employee benefits | $1,979,000 | 2,460 |
| Premises and equipment expense | $563,000 | 2,211 |
| Additional noninterest expense | $1,019,000 | 2,511 |
| Pre-tax net operating income | $650,000 | 4,804 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $89,000 | 4,668 |
| Income before extraordinary items | $561,000 | 4,599 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $561,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,025 |
| Cash dividends | $369,000 | 2,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $561,000 | 4,590 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,178,000 | 2,830 |
| Total interest expense | $1,491,000 | 2,339 |
| Net interest income | $1,687,000 | 3,223 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $486,000 | 2,228 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $195,000 | 2,087 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $291,000 | 1,992 |
| Total noninterest expense | $1,914,000 | 2,323 |
| Salaries and employee benefits | $1,156,000 | 2,137 |
| Premises and equipment expense | $279,000 | 2,240 |
| Additional noninterest expense | $479,000 | 2,637 |
| Pre-tax net operating income | $184,000 | 6,004 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $13,000 | 5,626 |
| Income before extraordinary items | $171,000 | 5,667 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $171,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,212 |
| Cash dividends | $179,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $171,000 | 5,662 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,716,000 | 2,764 |
| Total interest expense | $4,603,000 | 2,379 |
| Net interest income | $7,113,000 | 3,003 |
| Provision for loan and lease losses | $394,000 | 2,303 |
| Total noninterest income | $2,720,000 | 1,746 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $938,000 | 1,823 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,782,000 | 1,462 |
| Total noninterest expense | $7,595,000 | 2,198 |
| Salaries and employee benefits | $4,538,000 | 2,023 |
| Premises and equipment expense | $1,086,000 | 2,208 |
| Additional noninterest expense | $1,971,000 | 2,530 |
| Pre-tax net operating income | $1,844,000 | 3,881 |
| Securities gains (losses) | $-25,000 | 7,924 |
| Applicable income taxes | $429,000 | 3,592 |
| Income before extraordinary items | $1,390,000 | 3,971 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,390,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 3,795 |
| Cash dividends | $952,000 | 2,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,409,000 | 3,910 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,662,000 | 2,754 |
| Total interest expense | $3,311,000 | 2,350 |
| Net interest income | $5,351,000 | 2,981 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $2,230,000 | 1,620 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $727,000 | 1,776 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,503,000 | 1,366 |
| Total noninterest expense | $6,090,000 | 2,036 |
| Salaries and employee benefits | $3,726,000 | 1,857 |
| Premises and equipment expense | $831,000 | 2,151 |
| Additional noninterest expense | $1,533,000 | 2,403 |
| Pre-tax net operating income | $1,356,000 | 4,012 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $310,000 | 3,756 |
| Income before extraordinary items | $1,043,000 | 4,049 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,043,000 | 4,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,216 |
| Cash dividends | $525,000 | 2,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,045,310 | 4,008 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,584,000 | 2,758 |
| Total interest expense | $2,088,000 | 2,348 |
| Net interest income | $3,496,000 | 3,000 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $1,410,000 | 1,677 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $487,000 | 1,724 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $923,000 | 1,430 |
| Total noninterest expense | $3,949,000 | 2,075 |
| Salaries and employee benefits | $2,334,000 | 1,940 |
| Premises and equipment expense | $550,000 | 2,155 |
| Additional noninterest expense | $1,065,000 | 2,289 |
| Pre-tax net operating income | $867,000 | 4,084 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $194,000 | 3,838 |
| Income before extraordinary items | $673,000 | 4,097 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $673,000 | 4,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,501 |
| Cash dividends | $115,000 | 4,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $673,000 | 4,042 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,801,000 | 2,730 |
| Total interest expense | $997,000 | 2,339 |
| Net interest income | $1,804,000 | 2,905 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $612,000 | 1,848 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $247,000 | 1,658 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $365,000 | 1,655 |
| Total noninterest expense | $1,973,000 | 2,095 |
| Salaries and employee benefits | $1,215,000 | 1,886 |
| Premises and equipment expense | $283,000 | 2,112 |
| Additional noninterest expense | $475,000 | 2,555 |
| Pre-tax net operating income | $398,000 | 4,291 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $84,000 | 4,050 |
| Income before extraordinary items | $314,000 | 4,232 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $314,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $55,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $314,000 | 4,189 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,407,000 | 2,730 |
| Total interest expense | $3,929,000 | 2,071 |
| Net interest income | $6,478,000 | 3,093 |
| Provision for loan and lease losses | $135,000 | 4,427 |
| Total noninterest income | $1,573,000 | 2,603 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $755,000 | 2,244 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $818,000 | 2,460 |
| Total noninterest expense | $6,270,000 | 2,536 |
| Salaries and employee benefits | $3,376,000 | 2,566 |
| Premises and equipment expense | $843,000 | 2,663 |
| Additional noninterest expense | $2,051,000 | 2,364 |
| Pre-tax net operating income | $1,646,000 | 4,018 |
| Securities gains (losses) | $51,000 | 1,720 |
| Applicable income taxes | $436,000 | 3,563 |
| Income before extraordinary items | $1,261,000 | 4,075 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,261,000 | 4,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,933 |
| Cash dividends | $434,000 | 3,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,223,260 | 4,084 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,620,000 | 2,758 |
| Total interest expense | $2,887,000 | 2,071 |
| Net interest income | $4,733,000 | 3,134 |
| Provision for loan and lease losses | $115,000 | 4,038 |
| Total noninterest income | $1,202,000 | 2,572 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $507,000 | 2,465 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $695,000 | 2,280 |
| Total noninterest expense | $4,814,000 | 2,468 |
| Salaries and employee benefits | $2,520,000 | 2,560 |
| Premises and equipment expense | $681,000 | 2,478 |
| Additional noninterest expense | $1,613,000 | 2,240 |
| Pre-tax net operating income | $1,006,000 | 4,593 |
| Securities gains (losses) | $50,000 | 1,653 |
| Applicable income taxes | $204,000 | 4,404 |
| Income before extraordinary items | $852,000 | 4,434 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $852,000 | 4,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,559 |
| Cash dividends | $130,000 | 4,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $811,500 | 4,504 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,870,000 | 2,852 |
| Total interest expense | $1,834,000 | 2,148 |
| Net interest income | $3,036,000 | 3,247 |
| Provision for loan and lease losses | $115,000 | 3,272 |
| Total noninterest income | $859,000 | 2,468 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $301,000 | 2,703 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $558,000 | 2,024 |
| Total noninterest expense | $3,335,000 | 2,389 |
| Salaries and employee benefits | $1,680,000 | 2,560 |
| Premises and equipment expense | $471,000 | 2,401 |
| Additional noninterest expense | $1,184,000 | 2,029 |
| Pre-tax net operating income | $445,000 | 5,605 |
| Securities gains (losses) | $28,000 | 1,835 |
| Applicable income taxes | $52,000 | 5,605 |
| Income before extraordinary items | $421,000 | 5,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $421,000 | 5,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $85,000 | 4,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $396,080 | 5,255 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,311,000 | 3,003 |
| Total interest expense | $846,000 | 2,321 |
| Net interest income | $1,465,000 | 3,324 |
| Provision for loan and lease losses | $58,000 | 3,132 |
| Total noninterest income | $665,000 | 1,732 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $157,000 | 2,581 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $508,000 | 1,280 |
| Total noninterest expense | $1,848,000 | 2,169 |
| Salaries and employee benefits | $950,000 | 2,294 |
| Premises and equipment expense | $247,000 | 2,338 |
| Additional noninterest expense | $651,000 | 1,821 |
| Pre-tax net operating income | $224,000 | 5,566 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $14,000 | 6,056 |
| 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 | $11,000 | 3,502 |
| Cash dividends | $42,000 | 3,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $210,000 | 5,095 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,065,000 | 3,089 |
| Total interest expense | $3,158,000 | 2,736 |
| Net interest income | $5,907,000 | 3,236 |
| Provision for loan and lease losses | $305,000 | 3,117 |
| Total noninterest income | $2,207,000 | 2,155 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $585,000 | 2,753 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,622,000 | 1,717 |
| Total noninterest expense | $6,472,000 | 2,425 |
| Salaries and employee benefits | $3,802,000 | 2,241 |
| Premises and equipment expense | $852,000 | 2,602 |
| Additional noninterest expense | $1,818,000 | 2,617 |
| Pre-tax net operating income | $1,337,000 | 4,411 |
| Securities gains (losses) | $294,000 | 1,057 |
| Applicable income taxes | $565,000 | 3,169 |
| Income before extraordinary items | $1,066,000 | 4,457 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,066,000 | 4,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,475 |
| Cash dividends | $300,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $874,900 | 4,847 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,600,000 | 3,219 |
| Total interest expense | $2,342,000 | 2,851 |
| Net interest income | $4,258,000 | 3,351 |
| Provision for loan and lease losses | $200,000 | 3,330 |
| Total noninterest income | $1,780,000 | 2,088 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $417,000 | 2,867 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,363,000 | 1,643 |
| Total noninterest expense | $4,811,000 | 2,454 |
| Salaries and employee benefits | $2,851,000 | 2,231 |
| Premises and equipment expense | $641,000 | 2,605 |
| Additional noninterest expense | $1,319,000 | 2,668 |
| Pre-tax net operating income | $1,027,000 | 4,481 |
| Securities gains (losses) | $191,000 | 1,258 |
| Applicable income taxes | $361,000 | 3,586 |
| Income before extraordinary items | $857,000 | 4,422 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $857,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,860 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $723,300 | 4,709 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,301,000 | 3,294 |
| Total interest expense | $1,604,000 | 2,865 |
| Net interest income | $2,697,000 | 3,490 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $1,140,000 | 2,144 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $264,000 | 2,943 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $876,000 | 1,666 |
| Total noninterest expense | $3,189,000 | 2,467 |
| Salaries and employee benefits | $1,932,000 | 2,194 |
| Premises and equipment expense | $430,000 | 2,586 |
| Additional noninterest expense | $827,000 | 2,807 |
| Pre-tax net operating income | $548,000 | 5,084 |
| Securities gains (losses) | $191,000 | 1,074 |
| Applicable income taxes | $254,000 | 3,527 |
| Income before extraordinary items | $485,000 | 4,882 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $485,000 | 4,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,181 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $358,940 | 5,462 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,117,000 | 3,363 |
| Total interest expense | $825,000 | 2,857 |
| Net interest income | $1,292,000 | 3,600 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $546,000 | 2,145 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $135,000 | 2,807 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $411,000 | 1,705 |
| Total noninterest expense | $1,547,000 | 2,502 |
| Salaries and employee benefits | $934,000 | 2,250 |
| Premises and equipment expense | $223,000 | 2,509 |
| Additional noninterest expense | $390,000 | 2,918 |
| Pre-tax net operating income | $241,000 | 5,372 |
| Securities gains (losses) | $15,000 | 2,029 |
| Applicable income taxes | $72,000 | 4,550 |
| Income before extraordinary items | $184,000 | 5,527 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $184,000 | 5,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $173,200 | 5,492 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,870,000 | 4,112 |
| Total interest expense | $2,293,000 | 4,384 |
| Net interest income | $4,577,000 | 3,934 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $2,446,000 | 1,823 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $520,000 | 2,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,926,000 | 1,351 |
| Total noninterest expense | $6,443,000 | 2,322 |
| Salaries and employee benefits | $3,902,000 | 2,050 |
| Premises and equipment expense | $750,000 | 2,824 |
| Additional noninterest expense | $1,791,000 | 2,555 |
| Pre-tax net operating income | $580,000 | 6,487 |
| Securities gains (losses) | $198,000 | 1,180 |
| Applicable income taxes | $166,000 | 5,375 |
| Income before extraordinary items | $612,000 | 5,919 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $612,000 | 5,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,965 |
| Cash dividends | $192,000 | 4,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $455,580 | 6,464 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,064,000 | 4,405 |
| Total interest expense | $3,167,000 | 4,538 |
| Net interest income | $3,897,000 | 4,205 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $935,000 | 3,493 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $515,000 | 2,778 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $420,000 | 3,440 |
| Total noninterest expense | $4,007,000 | 3,424 |
| Salaries and employee benefits | $2,461,000 | 2,981 |
| Premises and equipment expense | $516,000 | 3,775 |
| Additional noninterest expense | $1,030,000 | 3,968 |
| Pre-tax net operating income | $825,000 | 5,410 |
| Securities gains (losses) | $254,000 | 1,011 |
| Applicable income taxes | $236,000 | 4,706 |
| Income before extraordinary items | $843,000 | 4,743 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $843,000 | 4,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,083 |
| Cash dividends | $192,000 | 5,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $644,880 | 5,308 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,566,000 | 4,303 |
| Total interest expense | $3,427,000 | 4,459 |
| Net interest income | $4,139,000 | 4,067 |
| Provision for loan and lease losses | $430,000 | 2,132 |
| Total noninterest income | $768,000 | 3,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $444,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $324,000 | 3,755 |
| Total noninterest expense | $3,241,000 | 3,965 |
| Salaries and employee benefits | $1,760,000 | 3,845 |
| Premises and equipment expense | $451,000 | 4,122 |
| Additional noninterest expense | $1,030,000 | 3,901 |
| Pre-tax net operating income | $1,236,000 | 4,650 |
| Securities gains (losses) | $-11,000 | 8,394 |
| Applicable income taxes | $449,000 | 3,743 |
| Income before extraordinary items | $776,000 | 5,131 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $776,000 | 5,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,771 |
| Cash dividends | $192,000 | 5,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $783,040 | 5,103 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,807,000 | 4,505 |
| Total interest expense | $2,838,000 | 4,796 |
| Net interest income | $3,969,000 | 4,193 |
| Provision for loan and lease losses | $260,000 | 2,969 |
| Total noninterest income | $442,000 | 5,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 3,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,198 |
| Total noninterest expense | $2,981,000 | 4,237 |
| Salaries and employee benefits | $1,638,000 | 4,042 |
| Premises and equipment expense | $417,000 | 4,385 |
| Additional noninterest expense | $926,000 | 4,277 |
| Pre-tax net operating income | $1,170,000 | 4,839 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $512,000 | 3,591 |
| Income before extraordinary items | $658,000 | 5,641 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $658,000 | 5,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,912 |
| Cash dividends | $192,000 | 5,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $658,000 | 5,610 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,143,000 | 4,915 |
| Total interest expense | $2,676,000 | 5,130 |
| Net interest income | $3,467,000 | 4,640 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $361,000 | 5,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 3,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,063 |
| Total noninterest expense | $2,591,000 | 4,647 |
| Salaries and employee benefits | $1,506,000 | 4,224 |
| Premises and equipment expense | $406,000 | 4,375 |
| Additional noninterest expense | $679,000 | 5,281 |
| Pre-tax net operating income | $1,117,000 | 5,102 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $287,000 | 5,291 |
| Income before extraordinary items | $830,000 | 5,075 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $830,000 | 5,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,482 |
| Cash dividends | $192,000 | 5,465 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $830,000 | 4,991 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,104,000 | 5,705 |
| Total interest expense | $2,043,000 | 6,185 |
| Net interest income | $3,061,000 | 5,219 |
| Provision for loan and lease losses | $130,000 | 4,446 |
| Total noninterest income | $299,000 | 6,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 8,605 |
| Total noninterest expense | $2,272,000 | 5,160 |
| Salaries and employee benefits | $1,367,000 | 4,593 |
| Premises and equipment expense | $286,000 | 5,585 |
| Additional noninterest expense | $619,000 | 5,688 |
| Pre-tax net operating income | $958,000 | 5,961 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $348,000 | 5,329 |
| Income before extraordinary items | $610,000 | 6,304 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $610,000 | 6,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,288 |
| Cash dividends | $192,000 | 5,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $610,000 | 6,249 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,566,000 | 6,333 |
| Total interest expense | $1,775,000 | 6,898 |
| Net interest income | $2,791,000 | 5,743 |
| Provision for loan and lease losses | $230,000 | 3,114 |
| Total noninterest income | $322,000 | 6,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,981 |
| Total noninterest expense | $2,006,000 | 5,938 |
| Salaries and employee benefits | $1,230,000 | 5,089 |
| Premises and equipment expense | $293,000 | 5,680 |
| Additional noninterest expense | $483,000 | 7,192 |
| Pre-tax net operating income | $877,000 | 6,178 |
| Securities gains (losses) | $110,000 | 915 |
| Applicable income taxes | $237,000 | 6,613 |
| Income before extraordinary items | $750,000 | 5,525 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $750,000 | 5,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,795 |
| Cash dividends | $192,000 | 5,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $666,400 | 5,857 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,128,000 | 6,851 |
| Total interest expense | $1,584,000 | 7,467 |
| Net interest income | $2,544,000 | 6,236 |
| Provision for loan and lease losses | $136,000 | 3,832 |
| Total noninterest income | $280,000 | 7,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 5,015 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,970 |
| Total noninterest expense | $1,896,000 | 6,236 |
| Salaries and employee benefits | $1,131,000 | 5,478 |
| Premises and equipment expense | $250,000 | 6,348 |
| Additional noninterest expense | $515,000 | 7,133 |
| Pre-tax net operating income | $792,000 | 6,868 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $334,000 | 5,611 |
| Income before extraordinary items | $474,000 | 7,449 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $474,000 | 7,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $162,000 | 5,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $463,760 | 7,496 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,282,000 | 7,645 |
| Total interest expense | $997,000 | 8,709 |
| Net interest income | $2,285,000 | 6,893 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $272,000 | 7,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 5,236 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $1,885,000 | 6,490 |
| Salaries and employee benefits | $1,052,000 | 5,841 |
| Premises and equipment expense | $230,000 | 6,858 |
| Additional noninterest expense | $603,000 | 7,022 |
| Pre-tax net operating income | $662,000 | 7,639 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $164,000 | 8,039 |
| Income before extraordinary items | $499,000 | 7,331 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $499,000 | 7,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $162,000 | 5,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $498,250 | 7,360 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,000,000 | 8,335 |
| Total interest expense | $945,000 | 9,357 |
| Net interest income | $2,055,000 | 7,522 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $242,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $1,754,000 | 7,026 |
| Salaries and employee benefits | $1,047,000 | 5,890 |
| Premises and equipment expense | $229,000 | 7,114 |
| Additional noninterest expense | $478,000 | 8,448 |
| Pre-tax net operating income | $473,000 | 8,836 |
| Securities gains (losses) | $92,000 | 2,615 |
| Applicable income taxes | $100,000 | 9,745 |
| Income before extraordinary items | $465,000 | 7,837 |
| Extraordinary gains, net | $-23,000 | 12,488 |
| Net income | $442,000 | 8,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $162,000 | 5,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $389,560 | 8,276 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,089,000 | 8,819 |
| Total interest expense | $1,076,000 | 10,065 |
| Net interest income | $2,013,000 | 7,718 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $159,000 | 10,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 8,186 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $1,608,000 | 7,557 |
| Salaries and employee benefits | $998,000 | 6,036 |
| Premises and equipment expense | $209,000 | 7,640 |
| Additional noninterest expense | $401,000 | 9,560 |
| Pre-tax net operating income | $564,000 | 7,960 |
| Securities gains (losses) | $30,000 | 4,989 |
| Applicable income taxes | $145,000 | 8,747 |
| Income before extraordinary items | $449,000 | 7,753 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $449,000 | 7,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $162,000 | 5,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $426,200 | 7,599 |
* 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.