Home > Somerset National Bank > Income and Expense
Somerset National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,862,000 | 3,329 |
| Total interest expense | $4,356,000 | 3,087 |
| Net interest income | $4,506,000 | 3,505 |
| Provision for loan and lease losses | $119,000 | 3,886 |
| Total noninterest income | $1,065,000 | 2,787 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $858,000 | 1,536 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $207,000 | 4,425 |
| Total noninterest expense | $3,959,000 | 3,275 |
| Salaries and employee benefits | $1,976,000 | 3,576 |
| Premises and equipment expense | $635,000 | 2,931 |
| Additional noninterest expense | $1,348,000 | 2,879 |
| Pre-tax net operating income | $1,493,000 | 3,488 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $486,000 | 2,572 |
| Income before extraordinary items | $1,007,000 | 3,879 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,007,000 | 3,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,200 |
| Cash dividends | $225,000 | 3,973 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 270 |
| Net operating income | $1,007,000 | 3,866 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,820,000 | 3,387 |
| Total interest expense | $2,889,000 | 3,094 |
| Net interest income | $2,931,000 | 3,597 |
| Provision for loan and lease losses | $72,000 | 3,798 |
| Total noninterest income | $629,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $468,000 | 1,860 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $161,000 | 4,188 |
| Total noninterest expense | $2,534,000 | 3,404 |
| Salaries and employee benefits | $1,304,000 | 3,629 |
| Premises and equipment expense | $432,000 | 2,907 |
| Additional noninterest expense | $798,000 | 3,198 |
| Pre-tax net operating income | $954,000 | 3,638 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $311,000 | 2,693 |
| Income before extraordinary items | $643,000 | 4,022 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $643,000 | 4,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 1,957 |
| Cash dividends | $225,000 | 3,488 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 202 |
| Net operating income | $643,000 | 4,010 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,875,000 | 3,393 |
| Total interest expense | $1,415,000 | 3,138 |
| Net interest income | $1,460,000 | 3,618 |
| Provision for loan and lease losses | $36,000 | 3,550 |
| Total noninterest income | $304,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $203,000 | 2,026 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $101,000 | 3,756 |
| Total noninterest expense | $1,273,000 | 3,408 |
| Salaries and employee benefits | $637,000 | 3,722 |
| Premises and equipment expense | $258,000 | 2,508 |
| Additional noninterest expense | $378,000 | 3,323 |
| Pre-tax net operating income | $455,000 | 3,720 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $150,000 | 2,737 |
| 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 | $49,000 | 1,755 |
| Cash dividends | $225,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 108 |
| Net operating income | $305,000 | 4,105 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,034,000 | 3,558 |
| Total interest expense | $4,802,000 | 3,135 |
| Net interest income | $5,232,000 | 3,881 |
| Provision for loan and lease losses | $146,000 | 4,104 |
| Total noninterest income | $1,129,000 | 3,269 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $835,000 | 2,046 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $294,000 | 4,336 |
| Total noninterest expense | $4,632,000 | 3,554 |
| Salaries and employee benefits | $2,240,000 | 3,926 |
| Premises and equipment expense | $1,015,000 | 2,439 |
| Additional noninterest expense | $1,377,000 | 3,532 |
| Pre-tax net operating income | $1,583,000 | 4,177 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $515,000 | 3,115 |
| Income before extraordinary items | $1,068,000 | 4,565 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,068,000 | 4,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,401 |
| Cash dividends | $620,000 | 3,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,068,000 | 4,553 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,236,000 | 3,652 |
| Total interest expense | $3,344,000 | 3,223 |
| Net interest income | $3,892,000 | 3,925 |
| Provision for loan and lease losses | $109,000 | 3,958 |
| Total noninterest income | $899,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $622,000 | 2,051 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $277,000 | 3,882 |
| Total noninterest expense | $3,412,000 | 3,604 |
| Salaries and employee benefits | $1,643,000 | 3,982 |
| Premises and equipment expense | $732,000 | 2,538 |
| Additional noninterest expense | $1,037,000 | 3,514 |
| Pre-tax net operating income | $1,270,000 | 4,163 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $409,000 | 3,147 |
| Income before extraordinary items | $861,000 | 4,534 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $861,000 | 4,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,805 |
| Cash dividends | $480,000 | 3,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $861,000 | 4,515 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,617,000 | 3,725 |
| Total interest expense | $2,056,000 | 3,306 |
| Net interest income | $2,561,000 | 3,976 |
| Provision for loan and lease losses | $72,000 | 3,866 |
| Total noninterest income | $600,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $399,000 | 2,109 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $201,000 | 3,736 |
| Total noninterest expense | $2,239,000 | 3,655 |
| Salaries and employee benefits | $1,106,000 | 3,976 |
| Premises and equipment expense | $465,000 | 2,641 |
| Additional noninterest expense | $668,000 | 3,621 |
| Pre-tax net operating income | $850,000 | 4,185 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $289,000 | 3,094 |
| 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 | $35,000 | 2,906 |
| Cash dividends | $300,000 | 3,088 |
| 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 | $2,234,000 | 3,764 |
| Total interest expense | $967,000 | 3,340 |
| Net interest income | $1,267,000 | 4,008 |
| Provision for loan and lease losses | $36,000 | 3,658 |
| Total noninterest income | $292,000 | 3,144 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $186,000 | 2,168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $106,000 | 3,612 |
| Total noninterest expense | $1,135,000 | 3,632 |
| Salaries and employee benefits | $571,000 | 3,895 |
| Premises and equipment expense | $214,000 | 2,842 |
| Additional noninterest expense | $350,000 | 3,457 |
| Pre-tax net operating income | $388,000 | 4,350 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $130,000 | 3,234 |
| Income before extraordinary items | $258,000 | 4,791 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $258,000 | 4,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $258,000 | 4,771 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,003,000 | 3,759 |
| Total interest expense | $2,737,000 | 3,579 |
| Net interest income | $5,266,000 | 3,812 |
| Provision for loan and lease losses | $159,000 | 4,034 |
| Total noninterest income | $1,084,000 | 3,361 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $851,000 | 2,005 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $233,000 | 4,865 |
| Total noninterest expense | $4,426,000 | 3,584 |
| Salaries and employee benefits | $2,060,000 | 4,042 |
| Premises and equipment expense | $776,000 | 2,976 |
| Additional noninterest expense | $1,590,000 | 3,085 |
| Pre-tax net operating income | $1,765,000 | 4,002 |
| Securities gains (losses) | $9,000 | 1,510 |
| Applicable income taxes | $578,000 | 3,138 |
| Income before extraordinary items | $1,196,000 | 4,360 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,196,000 | 4,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,613 |
| Cash dividends | $800,000 | 2,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,189,970 | 4,331 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,842,000 | 3,791 |
| Total interest expense | $1,879,000 | 3,677 |
| Net interest income | $3,963,000 | 3,790 |
| Provision for loan and lease losses | $122,000 | 3,852 |
| Total noninterest income | $815,000 | 3,361 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $641,000 | 1,993 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $174,000 | 4,910 |
| Total noninterest expense | $3,243,000 | 3,619 |
| Salaries and employee benefits | $1,569,000 | 3,955 |
| Premises and equipment expense | $540,000 | 3,146 |
| Additional noninterest expense | $1,134,000 | 3,169 |
| Pre-tax net operating income | $1,413,000 | 3,912 |
| Securities gains (losses) | $9,000 | 1,516 |
| Applicable income taxes | $480,000 | 3,020 |
| Income before extraordinary items | $942,000 | 4,338 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $942,000 | 4,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,302 |
| Cash dividends | $600,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $936,060 | 4,296 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,810,000 | 3,773 |
| Total interest expense | $1,161,000 | 3,713 |
| Net interest income | $2,649,000 | 3,749 |
| Provision for loan and lease losses | $89,000 | 3,629 |
| Total noninterest income | $538,000 | 3,344 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $419,000 | 1,988 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $119,000 | 4,831 |
| Total noninterest expense | $2,159,000 | 3,600 |
| Salaries and employee benefits | $1,050,000 | 3,930 |
| Premises and equipment expense | $350,000 | 3,194 |
| Additional noninterest expense | $759,000 | 3,155 |
| Pre-tax net operating income | $939,000 | 3,885 |
| Securities gains (losses) | $9,000 | 1,390 |
| Applicable income taxes | $345,000 | 2,846 |
| Income before extraordinary items | $603,000 | 4,401 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $603,000 | 4,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,796 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $597,240 | 4,373 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,875,000 | 3,785 |
| Total interest expense | $538,000 | 3,822 |
| Net interest income | $1,337,000 | 3,729 |
| Provision for loan and lease losses | $53,000 | 3,110 |
| Total noninterest income | $263,000 | 3,351 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $198,000 | 2,016 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,607 |
| Total noninterest expense | $1,082,000 | 3,619 |
| Salaries and employee benefits | $532,000 | 3,899 |
| Premises and equipment expense | $188,000 | 3,032 |
| Additional noninterest expense | $362,000 | 3,277 |
| Pre-tax net operating income | $465,000 | 3,873 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $182,000 | 2,755 |
| 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 | $24,000 | 2,412 |
| Cash dividends | $200,000 | 2,181 |
| 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 | $7,544,000 | 3,570 |
| Total interest expense | $1,993,000 | 3,665 |
| Net interest income | $5,551,000 | 3,516 |
| Provision for loan and lease losses | $233,000 | 3,441 |
| Total noninterest income | $1,020,000 | 3,489 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $821,000 | 2,098 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $199,000 | 5,119 |
| Total noninterest expense | $3,992,000 | 3,753 |
| Salaries and employee benefits | $1,896,000 | 4,175 |
| Premises and equipment expense | $618,000 | 3,452 |
| Additional noninterest expense | $1,478,000 | 3,160 |
| Pre-tax net operating income | $2,346,000 | 3,154 |
| Securities gains (losses) | $396,000 | 524 |
| Applicable income taxes | $907,000 | 2,318 |
| Income before extraordinary items | $1,835,000 | 3,139 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,835,000 | 3,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,149 |
| Cash dividends | $510,000 | 3,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,569,680 | 3,448 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,678,000 | 3,544 |
| Total interest expense | $1,504,000 | 3,595 |
| Net interest income | $4,174,000 | 3,473 |
| Provision for loan and lease losses | $142,000 | 3,646 |
| Total noninterest income | $772,000 | 3,494 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $615,000 | 2,118 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $157,000 | 5,023 |
| Total noninterest expense | $3,064,000 | 3,650 |
| Salaries and employee benefits | $1,457,000 | 4,051 |
| Premises and equipment expense | $434,000 | 3,648 |
| Additional noninterest expense | $1,173,000 | 2,996 |
| Pre-tax net operating income | $1,740,000 | 3,226 |
| Securities gains (losses) | $377,000 | 509 |
| Applicable income taxes | $707,000 | 2,294 |
| Income before extraordinary items | $1,410,000 | 3,122 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,410,000 | 3,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,796 |
| Cash dividends | $435,000 | 2,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,157,410 | 3,564 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,808,000 | 3,510 |
| Total interest expense | $1,045,000 | 3,474 |
| Net interest income | $2,763,000 | 3,488 |
| Provision for loan and lease losses | $88,000 | 3,797 |
| Total noninterest income | $517,000 | 3,488 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $404,000 | 2,134 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $113,000 | 4,921 |
| Total noninterest expense | $2,018,000 | 3,707 |
| Salaries and employee benefits | $951,000 | 4,132 |
| Premises and equipment expense | $301,000 | 3,538 |
| Additional noninterest expense | $766,000 | 3,063 |
| Pre-tax net operating income | $1,174,000 | 3,166 |
| Securities gains (losses) | $274,000 | 521 |
| Applicable income taxes | $480,000 | 2,270 |
| Income before extraordinary items | $968,000 | 3,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $968,000 | 3,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,594 |
| Cash dividends | $285,000 | 2,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $784,420 | 3,486 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,419,000 | 4,440 |
| Total interest expense | $403,000 | 4,305 |
| Net interest income | $1,016,000 | 4,423 |
| Provision for loan and lease losses | $27,000 | 4,453 |
| Total noninterest income | $192,000 | 4,151 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $149,000 | 2,692 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $43,000 | 5,417 |
| Total noninterest expense | $702,000 | 4,915 |
| Salaries and employee benefits | $310,000 | 5,642 |
| Premises and equipment expense | $144,000 | 3,699 |
| Additional noninterest expense | $248,000 | 4,344 |
| Pre-tax net operating income | $479,000 | 3,638 |
| Securities gains (losses) | $172,000 | 568 |
| Applicable income taxes | $232,000 | 2,306 |
| Income before extraordinary items | $419,000 | 3,381 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $419,000 | 3,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $110,000 | 2,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $308,920 | 4,072 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,014,000 | 4,309 |
| Total interest expense | $1,818,000 | 4,321 |
| Net interest income | $4,196,000 | 4,214 |
| Provision for loan and lease losses | $249,000 | 3,565 |
| Total noninterest income | $707,000 | 4,533 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $587,000 | 2,743 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $120,000 | 6,224 |
| Total noninterest expense | $2,531,000 | 5,169 |
| Salaries and employee benefits | $1,122,000 | 5,863 |
| Premises and equipment expense | $401,000 | 4,723 |
| Additional noninterest expense | $1,008,000 | 4,250 |
| Pre-tax net operating income | $2,123,000 | 3,260 |
| Securities gains (losses) | $275,000 | 1,108 |
| Applicable income taxes | $796,000 | 2,540 |
| Income before extraordinary items | $1,602,000 | 3,404 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,602,000 | 3,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,439 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,417,750 | 3,536 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,497,000 | 4,366 |
| Total interest expense | $1,390,000 | 4,387 |
| Net interest income | $3,107,000 | 4,278 |
| Provision for loan and lease losses | $221,000 | 3,163 |
| Total noninterest income | $527,000 | 4,599 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $440,000 | 2,749 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 6,329 |
| Total noninterest expense | $1,794,000 | 5,346 |
| Salaries and employee benefits | $780,000 | 6,094 |
| Premises and equipment expense | $256,000 | 5,253 |
| Additional noninterest expense | $758,000 | 4,229 |
| Pre-tax net operating income | $1,619,000 | 3,354 |
| Securities gains (losses) | $255,000 | 1,069 |
| Applicable income taxes | $624,000 | 2,589 |
| Income before extraordinary items | $1,250,000 | 3,389 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,250,000 | 3,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,621 |
| Cash dividends | $350,000 | 3,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,079,150 | 3,631 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,994,000 | 4,393 |
| Total interest expense | $935,000 | 4,469 |
| Net interest income | $2,059,000 | 4,306 |
| Provision for loan and lease losses | $193,000 | 2,580 |
| Total noninterest income | $354,000 | 4,555 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $294,000 | 2,693 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $60,000 | 6,260 |
| Total noninterest expense | $1,194,000 | 5,347 |
| Salaries and employee benefits | $511,000 | 6,180 |
| Premises and equipment expense | $173,000 | 5,176 |
| Additional noninterest expense | $510,000 | 4,179 |
| Pre-tax net operating income | $1,026,000 | 3,468 |
| Securities gains (losses) | $255,000 | 907 |
| Applicable income taxes | $427,000 | 2,572 |
| Income before extraordinary items | $854,000 | 3,336 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $854,000 | 3,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $683,150 | 3,753 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,485,000 | 4,447 |
| Total interest expense | $479,000 | 4,474 |
| Net interest income | $1,006,000 | 4,379 |
| Provision for loan and lease losses | $64,000 | 3,180 |
| Total noninterest income | $170,000 | 4,564 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $144,000 | 2,659 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $592,000 | 5,389 |
| Salaries and employee benefits | $251,000 | 6,237 |
| Premises and equipment expense | $81,000 | 5,408 |
| Additional noninterest expense | $260,000 | 4,092 |
| Pre-tax net operating income | $520,000 | 3,403 |
| Securities gains (losses) | $159,000 | 758 |
| Applicable income taxes | $228,000 | 2,469 |
| Income before extraordinary items | $451,000 | 3,164 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $451,000 | 3,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $346,060 | 3,649 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,994,000 | 4,561 |
| Total interest expense | $2,217,000 | 4,493 |
| Net interest income | $3,777,000 | 4,524 |
| Provision for loan and lease losses | $248,000 | 3,892 |
| Total noninterest income | $663,000 | 4,475 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $534,000 | 2,825 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $129,000 | 5,921 |
| Total noninterest expense | $2,257,000 | 5,460 |
| Salaries and employee benefits | $1,031,000 | 6,020 |
| Premises and equipment expense | $329,000 | 5,280 |
| Additional noninterest expense | $897,000 | 4,555 |
| Pre-tax net operating income | $1,935,000 | 3,506 |
| Securities gains (losses) | $101,000 | 1,743 |
| Applicable income taxes | $690,000 | 2,879 |
| Income before extraordinary items | $1,346,000 | 3,796 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,346,000 | 3,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,762 |
| Cash dividends | $735,000 | 2,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,279,340 | 3,818 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,757,000 | 5,117 |
| Total interest expense | $2,881,000 | 4,879 |
| Net interest income | $2,876,000 | 5,229 |
| Provision for loan and lease losses | $234,000 | 3,814 |
| Total noninterest income | $595,000 | 4,598 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $473,000 | 2,966 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $122,000 | 5,970 |
| Total noninterest expense | $1,877,000 | 5,979 |
| Salaries and employee benefits | $858,000 | 6,547 |
| Premises and equipment expense | $281,000 | 5,731 |
| Additional noninterest expense | $738,000 | 5,077 |
| Pre-tax net operating income | $1,360,000 | 4,113 |
| Securities gains (losses) | $31,000 | 2,791 |
| Applicable income taxes | $473,000 | 3,420 |
| Income before extraordinary items | $918,000 | 4,511 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $918,000 | 4,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,304 |
| Cash dividends | $365,000 | 4,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $897,540 | 4,462 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,516,000 | 5,371 |
| Total interest expense | $3,097,000 | 4,802 |
| Net interest income | $2,419,000 | 5,933 |
| Provision for loan and lease losses | $138,000 | 4,577 |
| Total noninterest income | $537,000 | 4,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,257 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 5,668 |
| Total noninterest expense | $2,002,000 | 5,680 |
| Salaries and employee benefits | $769,000 | 6,883 |
| Premises and equipment expense | $214,000 | 6,555 |
| Additional noninterest expense | $1,019,000 | 3,934 |
| Pre-tax net operating income | $816,000 | 5,812 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $277,000 | 4,753 |
| Income before extraordinary items | $539,000 | 6,132 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $539,000 | 6,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,280 |
| Cash dividends | $85,000 | 6,092 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 536 |
| Net operating income | $539,000 | 6,138 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,167,000 | 6,220 |
| Total interest expense | $2,180,000 | 5,684 |
| Net interest income | $1,987,000 | 6,672 |
| Provision for loan and lease losses | $162,000 | 4,084 |
| Total noninterest income | $346,000 | 6,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,281 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,287 |
| Total noninterest expense | $1,647,000 | 6,418 |
| Salaries and employee benefits | $646,000 | 7,504 |
| Premises and equipment expense | $204,000 | 6,750 |
| Additional noninterest expense | $797,000 | 4,796 |
| Pre-tax net operating income | $524,000 | 7,036 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $8,000 | 8,537 |
| Income before extraordinary items | $516,000 | 6,321 |
| Extraordinary gains, net | $-18,000 | 10,159 |
| Net income | $498,000 | 6,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 553 |
| Net operating income | $516,000 | 6,303 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,955,000 | 7,588 |
| Total interest expense | $1,870,000 | 6,419 |
| Net interest income | $1,085,000 | 8,597 |
| Provision for loan and lease losses | $254,000 | 2,964 |
| Total noninterest income | $183,000 | 7,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 5,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 8,965 |
| Total noninterest expense | $1,162,000 | 7,649 |
| Salaries and employee benefits | $492,000 | 8,413 |
| Premises and equipment expense | $136,000 | 7,956 |
| Additional noninterest expense | $534,000 | 6,209 |
| Pre-tax net operating income | $-148,000 | 9,955 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-140,000 | 9,989 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-140,000 | 9,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 559 |
| Net operating income | $-148,000 | 9,957 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $526,000 | 10,699 |
| Total interest expense | $293,000 | 10,523 |
| Net interest income | $233,000 | 10,754 |
| Provision for loan and lease losses | $118,000 | 4,844 |
| Total noninterest income | $32,000 | 10,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 10,416 |
| Total noninterest expense | $489,000 | 10,164 |
| Salaries and employee benefits | $182,000 | 10,616 |
| Premises and equipment expense | $51,000 | 10,179 |
| Additional noninterest expense | $256,000 | 8,776 |
| Pre-tax net operating income | $-342,000 | 10,661 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-342,000 | 10,697 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-342,000 | 10,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $3,598,000 | 274 |
| Net operating income | $-342,000 | 10,677 |
* 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.