Home > Somerset Valley Bank > Income and Expense
Somerset Valley Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,604,000 | 1,414 |
| Total interest expense | $3,756,000 | 1,325 |
| Net interest income | $3,848,000 | 1,481 |
| Provision for loan and lease losses | $33,000 | 3,661 |
| Total noninterest income | $430,000 | 2,438 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $121,000 | 3,053 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $309,000 | 1,912 |
| Total noninterest expense | $3,690,000 | 1,266 |
| Salaries and employee benefits | $1,742,000 | 1,487 |
| Premises and equipment expense | $777,000 | 864 |
| Additional noninterest expense | $1,171,000 | 1,165 |
| Pre-tax net operating income | $555,000 | 3,288 |
| Securities gains (losses) | $54,000 | 405 |
| Applicable income taxes | $120,000 | 3,028 |
| Income before extraordinary items | $489,000 | 3,080 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $489,000 | 3,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,267 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $-14,000 | 8,587 |
| Net operating income | $445,800 | 3,235 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $29,985,000 | 1,316 |
| Total interest expense | $12,537,000 | 1,341 |
| Net interest income | $17,448,000 | 1,308 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,712,000 | 2,467 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $484,000 | 3,125 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,228,000 | 1,933 |
| Total noninterest expense | $14,232,000 | 1,257 |
| Salaries and employee benefits | $6,207,000 | 1,591 |
| Premises and equipment expense | $2,893,000 | 873 |
| Additional noninterest expense | $5,132,000 | 1,034 |
| Pre-tax net operating income | $4,928,000 | 1,910 |
| Securities gains (losses) | $61,000 | 644 |
| Applicable income taxes | $1,396,000 | 1,773 |
| Income before extraordinary items | $3,593,000 | 1,970 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,593,000 | 1,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,358 |
| Cash dividends | $6,850,000 | 541 |
| Sale, conversion, retirement of capital stock, net | $-32,000 | 8,583 |
| Net operating income | $3,549,080 | 1,979 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,320,000 | 1,318 |
| Total interest expense | $8,839,000 | 1,381 |
| Net interest income | $13,481,000 | 1,280 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,210,000 | 2,588 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $357,000 | 3,173 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $853,000 | 2,038 |
| Total noninterest expense | $10,787,000 | 1,264 |
| Salaries and employee benefits | $4,750,000 | 1,565 |
| Premises and equipment expense | $2,087,000 | 911 |
| Additional noninterest expense | $3,950,000 | 1,018 |
| Pre-tax net operating income | $3,904,000 | 1,884 |
| Securities gains (losses) | $61,000 | 523 |
| Applicable income taxes | $1,152,000 | 1,692 |
| Income before extraordinary items | $2,813,000 | 1,942 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,813,000 | 1,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,061 |
| Cash dividends | $3,850,000 | 678 |
| Sale, conversion, retirement of capital stock, net | $-31,000 | 8,672 |
| Net operating income | $2,769,690 | 1,953 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,657,000 | 1,315 |
| Total interest expense | $5,521,000 | 1,397 |
| Net interest income | $9,136,000 | 1,247 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $787,000 | 2,618 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $231,000 | 3,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $556,000 | 2,072 |
| Total noninterest expense | $7,021,000 | 1,301 |
| Salaries and employee benefits | $3,084,000 | 1,610 |
| Premises and equipment expense | $1,324,000 | 953 |
| Additional noninterest expense | $2,613,000 | 1,026 |
| Pre-tax net operating income | $2,902,000 | 1,703 |
| Securities gains (losses) | $-4,000 | 7,633 |
| Applicable income taxes | $873,000 | 1,550 |
| Income before extraordinary items | $2,025,000 | 1,807 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,025,000 | 1,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 1,780 |
| Cash dividends | $1,750,000 | 919 |
| Sale, conversion, retirement of capital stock, net | $-29,000 | 8,715 |
| Net operating income | $2,027,800 | 1,793 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,167,000 | 1,320 |
| Total interest expense | $2,648,000 | 1,391 |
| Net interest income | $4,519,000 | 1,259 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $430,000 | 2,433 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $117,000 | 3,129 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $313,000 | 1,877 |
| Total noninterest expense | $3,441,000 | 1,325 |
| Salaries and employee benefits | $1,530,000 | 1,622 |
| Premises and equipment expense | $636,000 | 995 |
| Additional noninterest expense | $1,275,000 | 1,051 |
| Pre-tax net operating income | $1,508,000 | 1,625 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $454,000 | 1,505 |
| Income before extraordinary items | $1,054,000 | 1,703 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,054,000 | 1,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 1,088 |
| Cash dividends | $750,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $-8,000 | 8,727 |
| Net operating income | $1,054,000 | 1,689 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,339,000 | 2,300 |
| Total interest expense | $5,110,000 | 2,163 |
| Net interest income | $9,229,000 | 2,395 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $754,000 | 4,189 |
| Gross Fiduciary activities income | $7,000 | 1,349 |
| Service charges on deposit accounts | $206,000 | 4,969 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $541,000 | 3,234 |
| Total noninterest expense | $7,220,000 | 2,318 |
| Salaries and employee benefits | $3,307,000 | 2,730 |
| Premises and equipment expense | $1,357,000 | 1,783 |
| Additional noninterest expense | $2,556,000 | 1,973 |
| Pre-tax net operating income | $2,763,000 | 2,953 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $894,000 | 2,424 |
| Income before extraordinary items | $1,869,000 | 3,263 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,869,000 | 3,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,869,000 | 3,228 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,074,000 | 3,254 |
| Total interest expense | $2,475,000 | 2,950 |
| Net interest income | $4,599,000 | 3,360 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $383,000 | 5,215 |
| Gross Fiduciary activities income | $7,000 | 1,273 |
| Service charges on deposit accounts | $101,000 | 5,845 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $275,000 | 3,952 |
| Total noninterest expense | $3,731,000 | 3,223 |
| Salaries and employee benefits | $1,731,000 | 3,683 |
| Premises and equipment expense | $646,000 | 2,688 |
| Additional noninterest expense | $1,354,000 | 2,722 |
| Pre-tax net operating income | $1,251,000 | 4,209 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $407,000 | 3,291 |
| Income before extraordinary items | $844,000 | 4,615 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $844,000 | 4,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,634 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $844,000 | 4,573 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,038,000 | 1,306 |
| Total interest expense | $3,845,000 | 1,310 |
| Net interest income | $8,193,000 | 1,312 |
| Provision for loan and lease losses | $110,000 | 3,223 |
| Total noninterest income | $854,000 | 2,435 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $320,000 | 2,491 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $534,000 | 2,089 |
| Total noninterest expense | $6,397,000 | 1,328 |
| Salaries and employee benefits | $3,257,000 | 1,414 |
| Premises and equipment expense | $1,226,000 | 955 |
| Additional noninterest expense | $1,914,000 | 1,304 |
| Pre-tax net operating income | $2,540,000 | 1,815 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $699,000 | 1,787 |
| Income before extraordinary items | $1,841,000 | 1,857 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,841,000 | 1,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,841,000 | 1,819 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,821,000 | 1,320 |
| Total interest expense | $1,788,000 | 1,336 |
| Net interest income | $4,033,000 | 1,328 |
| Provision for loan and lease losses | $70,000 | 2,663 |
| Total noninterest income | $435,000 | 2,362 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $162,000 | 2,403 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $273,000 | 2,011 |
| Total noninterest expense | $3,147,000 | 1,355 |
| Salaries and employee benefits | $1,664,000 | 1,389 |
| Premises and equipment expense | $610,000 | 975 |
| Additional noninterest expense | $873,000 | 1,430 |
| Pre-tax net operating income | $1,251,000 | 1,807 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $361,000 | 1,728 |
| Income before extraordinary items | $890,000 | 1,910 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $890,000 | 1,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $890,000 | 1,871 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $21,656,000 | 1,312 |
| Total interest expense | $5,816,000 | 1,414 |
| Net interest income | $15,840,000 | 1,275 |
| Provision for loan and lease losses | $444,000 | 2,170 |
| Total noninterest income | $2,319,000 | 1,977 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $741,000 | 2,274 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,578,000 | 1,583 |
| Total noninterest expense | $12,146,000 | 1,348 |
| Salaries and employee benefits | $6,420,000 | 1,382 |
| Premises and equipment expense | $2,299,000 | 999 |
| Additional noninterest expense | $3,427,000 | 1,448 |
| Pre-tax net operating income | $5,569,000 | 1,533 |
| Securities gains (losses) | $69,000 | 1,499 |
| Applicable income taxes | $1,741,000 | 1,431 |
| Income before extraordinary items | $3,897,000 | 1,656 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,897,000 | 1,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,342 |
| Cash dividends | $420,000 | 3,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,849,390 | 1,620 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,867,000 | 1,328 |
| Total interest expense | $4,179,000 | 1,443 |
| Net interest income | $11,688,000 | 1,283 |
| Provision for loan and lease losses | $260,000 | 2,516 |
| Total noninterest income | $1,822,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $563,000 | 2,271 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,259,000 | 1,506 |
| Total noninterest expense | $9,071,000 | 1,348 |
| Salaries and employee benefits | $4,771,000 | 1,386 |
| Premises and equipment expense | $1,747,000 | 981 |
| Additional noninterest expense | $2,553,000 | 1,440 |
| Pre-tax net operating income | $4,179,000 | 1,542 |
| Securities gains (losses) | $55,000 | 1,589 |
| Applicable income taxes | $1,306,000 | 1,448 |
| Income before extraordinary items | $2,928,000 | 1,662 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,928,000 | 1,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,637 |
| Cash dividends | $420,000 | 2,969 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,890,050 | 1,634 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,372,000 | 1,337 |
| Total interest expense | $2,732,000 | 1,455 |
| Net interest income | $7,640,000 | 1,297 |
| Provision for loan and lease losses | $165,000 | 2,550 |
| Total noninterest income | $994,000 | 2,208 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $375,000 | 2,263 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $619,000 | 1,881 |
| Total noninterest expense | $5,964,000 | 1,367 |
| Salaries and employee benefits | $3,114,000 | 1,411 |
| Premises and equipment expense | $1,175,000 | 973 |
| Additional noninterest expense | $1,675,000 | 1,441 |
| Pre-tax net operating income | $2,505,000 | 1,679 |
| Securities gains (losses) | $36,000 | 1,674 |
| Applicable income taxes | $780,000 | 1,556 |
| Income before extraordinary items | $1,761,000 | 1,799 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,761,000 | 1,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,546 |
| Cash dividends | $420,000 | 2,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,736,160 | 1,769 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,187,000 | 1,342 |
| Total interest expense | $1,336,000 | 1,495 |
| Net interest income | $3,851,000 | 1,296 |
| Provision for loan and lease losses | $125,000 | 1,741 |
| Total noninterest income | $544,000 | 2,033 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $181,000 | 2,276 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $363,000 | 1,648 |
| Total noninterest expense | $2,963,000 | 1,387 |
| Salaries and employee benefits | $1,573,000 | 1,410 |
| Premises and equipment expense | $587,000 | 994 |
| Additional noninterest expense | $803,000 | 1,498 |
| Pre-tax net operating income | $1,307,000 | 1,582 |
| Securities gains (losses) | $31,000 | 1,473 |
| Applicable income taxes | $409,000 | 1,516 |
| Income before extraordinary items | $929,000 | 1,693 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $929,000 | 1,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,364 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $907,610 | 1,647 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,714,000 | 1,377 |
| Total interest expense | $5,950,000 | 1,490 |
| Net interest income | $14,764,000 | 1,325 |
| Provision for loan and lease losses | $498,000 | 2,177 |
| Total noninterest income | $1,902,000 | 2,398 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $798,000 | 2,132 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,104,000 | 2,247 |
| Total noninterest expense | $11,498,000 | 1,394 |
| Salaries and employee benefits | $5,872,000 | 1,464 |
| Premises and equipment expense | $2,433,000 | 920 |
| Additional noninterest expense | $3,193,000 | 1,548 |
| Pre-tax net operating income | $4,670,000 | 1,728 |
| Securities gains (losses) | $103,000 | 1,867 |
| Applicable income taxes | $1,429,000 | 1,691 |
| Income before extraordinary items | $3,344,000 | 1,855 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,344,000 | 1,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,648 |
| Cash dividends | $325,000 | 4,244 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,271,900 | 1,808 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,510,000 | 1,408 |
| Total interest expense | $4,570,000 | 1,522 |
| Net interest income | $10,940,000 | 1,350 |
| Provision for loan and lease losses | $393,000 | 2,056 |
| Total noninterest income | $1,486,000 | 2,381 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $608,000 | 2,121 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $878,000 | 2,234 |
| Total noninterest expense | $8,668,000 | 1,401 |
| Salaries and employee benefits | $4,460,000 | 1,457 |
| Premises and equipment expense | $1,829,000 | 930 |
| Additional noninterest expense | $2,379,000 | 1,551 |
| Pre-tax net operating income | $3,365,000 | 1,857 |
| Securities gains (losses) | $100,000 | 1,756 |
| Applicable income taxes | $1,030,000 | 1,818 |
| Income before extraordinary items | $2,435,000 | 1,976 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,435,000 | 1,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,056 |
| Cash dividends | $325,000 | 3,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,365,000 | 1,921 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,390,000 | 1,410 |
| Total interest expense | $3,114,000 | 1,550 |
| Net interest income | $7,276,000 | 1,349 |
| Provision for loan and lease losses | $298,000 | 1,882 |
| Total noninterest income | $961,000 | 2,424 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $404,000 | 2,078 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $557,000 | 2,288 |
| Total noninterest expense | $5,770,000 | 1,401 |
| Salaries and employee benefits | $2,991,000 | 1,440 |
| Premises and equipment expense | $1,225,000 | 932 |
| Additional noninterest expense | $1,554,000 | 1,558 |
| Pre-tax net operating income | $2,169,000 | 1,908 |
| Securities gains (losses) | $77,000 | 1,714 |
| Applicable income taxes | $661,000 | 1,904 |
| Income before extraordinary items | $1,585,000 | 2,003 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,585,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,057 |
| Cash dividends | $325,000 | 2,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,530,330 | 1,949 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,163,000 | 1,429 |
| Total interest expense | $1,604,000 | 1,538 |
| Net interest income | $3,559,000 | 1,377 |
| Provision for loan and lease losses | $166,000 | 1,571 |
| Total noninterest income | $454,000 | 2,458 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $200,000 | 2,019 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $254,000 | 2,342 |
| Total noninterest expense | $2,880,000 | 1,397 |
| Salaries and employee benefits | $1,520,000 | 1,420 |
| Premises and equipment expense | $618,000 | 930 |
| Additional noninterest expense | $742,000 | 1,590 |
| Pre-tax net operating income | $967,000 | 2,101 |
| Securities gains (losses) | $48,000 | 1,413 |
| Applicable income taxes | $294,000 | 2,090 |
| Income before extraordinary items | $721,000 | 2,150 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $721,000 | 2,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,694 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $686,920 | 2,106 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,867,000 | 1,476 |
| Total interest expense | $7,190,000 | 1,580 |
| Net interest income | $13,677,000 | 1,425 |
| Provision for loan and lease losses | $452,000 | 2,567 |
| Total noninterest income | $1,568,000 | 2,549 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $796,000 | 2,005 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $772,000 | 2,555 |
| Total noninterest expense | $10,644,000 | 1,447 |
| Salaries and employee benefits | $5,477,000 | 1,482 |
| Premises and equipment expense | $2,151,000 | 1,021 |
| Additional noninterest expense | $3,016,000 | 1,569 |
| Pre-tax net operating income | $4,149,000 | 1,927 |
| Securities gains (losses) | $145,000 | 1,414 |
| Applicable income taxes | $1,434,000 | 1,710 |
| Income before extraordinary items | $2,860,000 | 2,093 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,860,000 | 2,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,403 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $3,300,000 | 217 |
| Net operating income | $2,762,850 | 2,088 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,879,000 | 1,712 |
| Total interest expense | $8,951,000 | 1,815 |
| Net interest income | $10,928,000 | 1,630 |
| Provision for loan and lease losses | $364,000 | 2,805 |
| Total noninterest income | $1,328,000 | 2,739 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $737,000 | 2,047 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $591,000 | 2,853 |
| Total noninterest expense | $8,929,000 | 1,630 |
| Salaries and employee benefits | $4,538,000 | 1,656 |
| Premises and equipment expense | $1,879,000 | 1,131 |
| Additional noninterest expense | $2,512,000 | 1,820 |
| Pre-tax net operating income | $2,963,000 | 2,294 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $1,048,000 | 2,007 |
| Income before extraordinary items | $1,924,000 | 2,623 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,924,000 | 2,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,483 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 219 |
| Net operating income | $1,918,150 | 2,551 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,952,000 | 1,962 |
| Total interest expense | $7,993,000 | 2,146 |
| Net interest income | $9,959,000 | 1,766 |
| Provision for loan and lease losses | $375,000 | 2,395 |
| Total noninterest income | $985,000 | 3,166 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $563,000 | 2,427 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $422,000 | 3,225 |
| Total noninterest expense | $8,087,000 | 1,724 |
| Salaries and employee benefits | $4,051,000 | 1,773 |
| Premises and equipment expense | $1,733,000 | 1,157 |
| Additional noninterest expense | $2,303,000 | 1,899 |
| Pre-tax net operating income | $2,482,000 | 2,777 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $900,000 | 2,317 |
| Income before extraordinary items | $1,582,000 | 3,116 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,582,000 | 3,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,541 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,582,000 | 3,107 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,419,000 | 2,260 |
| Total interest expense | $6,106,000 | 2,413 |
| Net interest income | $8,313,000 | 2,118 |
| Provision for loan and lease losses | $440,000 | 1,954 |
| Total noninterest income | $788,000 | 3,657 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $393,000 | 3,259 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $395,000 | 3,456 |
| Total noninterest expense | $6,429,000 | 2,117 |
| Salaries and employee benefits | $3,292,000 | 2,137 |
| Premises and equipment expense | $1,304,000 | 1,567 |
| Additional noninterest expense | $1,833,000 | 2,381 |
| Pre-tax net operating income | $2,232,000 | 3,058 |
| Securities gains (losses) | $-8,000 | 9,241 |
| Applicable income taxes | $814,000 | 2,607 |
| Income before extraordinary items | $1,410,000 | 3,396 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,410,000 | 3,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,565 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,415,120 | 3,354 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,476,000 | 2,619 |
| Total interest expense | $5,684,000 | 2,662 |
| Net interest income | $6,792,000 | 2,500 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $757,000 | 3,764 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $298,000 | 3,963 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $459,000 | 3,141 |
| Total noninterest expense | $5,261,000 | 2,473 |
| Salaries and employee benefits | $2,713,000 | 2,489 |
| Premises and equipment expense | $1,030,000 | 1,920 |
| Additional noninterest expense | $1,518,000 | 2,741 |
| Pre-tax net operating income | $1,988,000 | 3,363 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $766,000 | 2,837 |
| Income before extraordinary items | $1,226,000 | 3,859 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,226,000 | 3,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,276 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,223,440 | 3,772 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,757,000 | 3,019 |
| Total interest expense | $4,898,000 | 3,039 |
| Net interest income | $5,859,000 | 2,973 |
| Provision for loan and lease losses | $280,000 | 2,757 |
| Total noninterest income | $554,000 | 4,669 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $231,000 | 4,903 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $323,000 | 3,768 |
| Total noninterest expense | $4,270,000 | 2,990 |
| Salaries and employee benefits | $2,180,000 | 3,040 |
| Premises and equipment expense | $782,000 | 2,475 |
| Additional noninterest expense | $1,308,000 | 3,098 |
| Pre-tax net operating income | $1,863,000 | 3,752 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $749,000 | 3,081 |
| Income before extraordinary items | $1,115,000 | 4,312 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,115,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,217 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 896 |
| Net operating income | $1,114,360 | 4,247 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,386,000 | 3,854 |
| Total interest expense | $3,816,000 | 3,880 |
| Net interest income | $4,570,000 | 3,848 |
| Provision for loan and lease losses | $309,000 | 2,513 |
| Total noninterest income | $370,000 | 6,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $199,000 | 5,174 |
| Total noninterest expense | $3,423,000 | 3,853 |
| Salaries and employee benefits | $1,781,000 | 3,705 |
| Premises and equipment expense | $647,000 | 2,983 |
| Additional noninterest expense | $995,000 | 4,422 |
| Pre-tax net operating income | $1,208,000 | 5,101 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $485,000 | 4,244 |
| Income before extraordinary items | $721,000 | 5,669 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $721,000 | 5,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,188 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $1,942,000 | 306 |
| Net operating income | $722,280 | 5,610 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,300,000 | 4,986 |
| Total interest expense | $2,871,000 | 4,959 |
| Net interest income | $3,429,000 | 4,949 |
| Provision for loan and lease losses | $206,000 | 2,940 |
| Total noninterest income | $356,000 | 6,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,654 |
| Total noninterest expense | $2,495,000 | 5,002 |
| Salaries and employee benefits | $1,269,000 | 4,970 |
| Premises and equipment expense | $415,000 | 4,383 |
| Additional noninterest expense | $811,000 | 5,198 |
| Pre-tax net operating income | $1,084,000 | 5,658 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $423,000 | 4,753 |
| Income before extraordinary items | $663,000 | 6,216 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $663,000 | 6,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,105 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,173,000 | 279 |
| Net operating income | $661,720 | 6,215 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,399,000 | 6,259 |
| Total interest expense | $1,766,000 | 6,155 |
| Net interest income | $2,633,000 | 6,210 |
| Provision for loan and lease losses | $156,000 | 3,523 |
| Total noninterest income | $205,000 | 8,647 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 7,607 |
| Total noninterest expense | $2,163,000 | 5,833 |
| Salaries and employee benefits | $1,055,000 | 5,827 |
| Premises and equipment expense | $374,000 | 4,847 |
| Additional noninterest expense | $734,000 | 6,101 |
| Pre-tax net operating income | $519,000 | 8,528 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-308,000 | 12,438 |
| Income before extraordinary items | $827,000 | 5,232 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $827,000 | 5,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 953 |
| Net operating income | $827,000 | 5,291 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,688,000 | 8,846 |
| Total interest expense | $1,093,000 | 8,714 |
| Net interest income | $1,595,000 | 8,814 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $188,000 | 9,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 7,244 |
| Total noninterest expense | $1,742,000 | 7,066 |
| Salaries and employee benefits | $828,000 | 7,157 |
| Premises and equipment expense | $336,000 | 5,391 |
| Additional noninterest expense | $578,000 | 7,532 |
| Pre-tax net operating income | $-89,000 | 12,577 |
| Securities gains (losses) | $20,000 | 4,664 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-69,000 | 12,635 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-69,000 | 12,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $2,510,000 | 308 |
| Net operating income | $-89,000 | 12,550 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,257,000 | 12,484 |
| Total interest expense | $685,000 | 11,895 |
| Net interest income | $572,000 | 12,835 |
| Provision for loan and lease losses | $107,000 | 7,099 |
| Total noninterest income | $53,000 | 13,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 11,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 12,093 |
| Total noninterest expense | $1,441,000 | 8,133 |
| Salaries and employee benefits | $687,000 | 8,091 |
| Premises and equipment expense | $283,000 | 6,240 |
| Additional noninterest expense | $471,000 | 8,741 |
| Pre-tax net operating income | $-923,000 | 13,458 |
| Securities gains (losses) | $39,000 | 4,543 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-884,000 | 13,522 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-884,000 | 13,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-923,000 | 13,459 |
* 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.