Home > State Bank of Gilman > Income and Expense
State Bank of Gilman, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $804,000 | 6,696 |
| Total interest expense | $335,000 | 6,612 |
| Net interest income | $469,000 | 6,648 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $76,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $51,000 | 4,770 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $25,000 | 6,173 |
| Total noninterest expense | $491,000 | 6,341 |
| Salaries and employee benefits | $252,000 | 6,499 |
| Premises and equipment expense | $110,000 | 4,886 |
| Additional noninterest expense | $129,000 | 6,548 |
| Pre-tax net operating income | $54,000 | 6,559 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-10,000 | 7,841 |
| Income before extraordinary items | $64,000 | 6,357 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $64,000 | 6,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,665 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $64,000 | 6,263 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,479,000 | 6,531 |
| Total interest expense | $1,406,000 | 6,560 |
| Net interest income | $2,073,000 | 6,414 |
| Provision for loan and lease losses | $140,000 | 4,423 |
| Total noninterest income | $276,000 | 6,193 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $214,000 | 4,763 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $62,000 | 6,871 |
| Total noninterest expense | $2,023,000 | 6,189 |
| Salaries and employee benefits | $1,050,000 | 6,322 |
| Premises and equipment expense | $376,000 | 5,214 |
| Additional noninterest expense | $597,000 | 6,135 |
| Pre-tax net operating income | $186,000 | 6,907 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-64,000 | 7,966 |
| Income before extraordinary items | $250,000 | 6,611 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $250,000 | 6,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $536,000 | 1,612 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $250,000 | 6,594 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,648,000 | 6,540 |
| Total interest expense | $1,066,000 | 6,569 |
| Net interest income | $1,582,000 | 6,415 |
| Provision for loan and lease losses | $140,000 | 3,581 |
| Total noninterest income | $183,000 | 6,480 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $161,000 | 4,776 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $22,000 | 7,602 |
| Total noninterest expense | $1,517,000 | 6,191 |
| Salaries and employee benefits | $793,000 | 6,308 |
| Premises and equipment expense | $272,000 | 5,298 |
| Additional noninterest expense | $452,000 | 6,096 |
| Pre-tax net operating income | $108,000 | 7,295 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-62,000 | 8,187 |
| Income before extraordinary items | $170,000 | 6,957 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $170,000 | 6,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,475 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $170,000 | 6,940 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,774,000 | 6,567 |
| Total interest expense | $712,000 | 6,584 |
| Net interest income | $1,062,000 | 6,448 |
| Provision for loan and lease losses | $140,000 | 2,749 |
| Total noninterest income | $112,000 | 6,646 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $108,000 | 4,782 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $4,000 | 8,223 |
| Total noninterest expense | $1,030,000 | 6,167 |
| Salaries and employee benefits | $539,000 | 6,322 |
| Premises and equipment expense | $183,000 | 5,293 |
| Additional noninterest expense | $308,000 | 6,048 |
| Pre-tax net operating income | $4,000 | 7,752 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-72,000 | 8,341 |
| Income before extraordinary items | $76,000 | 7,297 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $76,000 | 7,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,001 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $76,000 | 7,286 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $899,000 | 6,562 |
| Total interest expense | $358,000 | 6,585 |
| Net interest income | $541,000 | 6,435 |
| Provision for loan and lease losses | $140,000 | 1,574 |
| Total noninterest income | $72,000 | 6,185 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $51,000 | 4,837 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $21,000 | 6,540 |
| Total noninterest expense | $506,000 | 6,251 |
| Salaries and employee benefits | $268,000 | 6,367 |
| Premises and equipment expense | $93,000 | 5,263 |
| Additional noninterest expense | $145,000 | 6,208 |
| Pre-tax net operating income | $-33,000 | 7,984 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-47,000 | 8,409 |
| Income before extraordinary items | $14,000 | 7,704 |
| Extraordinary gains, net | $-2,000 | 8,634 |
| Net income | $12,000 | 7,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,036 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $14,000 | 7,682 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,768,000 | 6,264 |
| Total interest expense | $1,424,000 | 6,228 |
| Net interest income | $2,344,000 | 6,180 |
| Provision for loan and lease losses | $138,000 | 4,185 |
| Total noninterest income | $371,000 | 5,759 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $275,000 | 4,287 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $96,000 | 6,397 |
| Total noninterest expense | $2,214,000 | 5,856 |
| Salaries and employee benefits | $1,051,000 | 6,286 |
| Premises and equipment expense | $505,000 | 4,236 |
| Additional noninterest expense | $658,000 | 5,809 |
| Pre-tax net operating income | $363,000 | 6,900 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $61,000 | 5,319 |
| Income before extraordinary items | $302,000 | 6,911 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $302,000 | 6,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,590 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $302,000 | 6,913 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,851,000 | 6,274 |
| Total interest expense | $1,043,000 | 6,234 |
| Net interest income | $1,808,000 | 6,180 |
| Provision for loan and lease losses | $29,000 | 5,705 |
| Total noninterest income | $260,000 | 5,921 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $212,000 | 4,278 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 6,985 |
| Total noninterest expense | $1,680,000 | 5,811 |
| Salaries and employee benefits | $790,000 | 6,267 |
| Premises and equipment expense | $386,000 | 4,188 |
| Additional noninterest expense | $504,000 | 5,750 |
| Pre-tax net operating income | $359,000 | 6,755 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $71,000 | 5,205 |
| Income before extraordinary items | $288,000 | 6,782 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $288,000 | 6,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 1,305 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $288,000 | 6,781 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,888,000 | 6,263 |
| Total interest expense | $700,000 | 6,136 |
| Net interest income | $1,188,000 | 6,248 |
| Provision for loan and lease losses | $-1,000 | 8,460 |
| Total noninterest income | $167,000 | 6,025 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $137,000 | 4,323 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,109 |
| Total noninterest expense | $1,115,000 | 5,847 |
| Salaries and employee benefits | $529,000 | 6,282 |
| Premises and equipment expense | $256,000 | 4,213 |
| Additional noninterest expense | $330,000 | 5,790 |
| Pre-tax net operating income | $241,000 | 6,821 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $36,000 | 5,457 |
| Income before extraordinary items | $205,000 | 6,725 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $205,000 | 6,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 1,269 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $205,000 | 6,733 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $926,000 | 6,287 |
| Total interest expense | $347,000 | 6,056 |
| Net interest income | $579,000 | 6,325 |
| Provision for loan and lease losses | $-96,000 | 8,664 |
| Total noninterest income | $65,000 | 6,474 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $62,000 | 4,465 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $547,000 | 5,913 |
| Salaries and employee benefits | $264,000 | 6,301 |
| Premises and equipment expense | $125,000 | 4,297 |
| Additional noninterest expense | $158,000 | 5,910 |
| Pre-tax net operating income | $193,000 | 5,917 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $37,000 | 4,820 |
| Income before extraordinary items | $156,000 | 5,871 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $156,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 765 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $156,000 | 5,873 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,750,000 | 6,010 |
| Total interest expense | $1,056,000 | 6,145 |
| Net interest income | $2,694,000 | 5,835 |
| Provision for loan and lease losses | $1,069,000 | 989 |
| Total noninterest income | $307,000 | 6,279 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $239,000 | 4,661 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $68,000 | 6,995 |
| Total noninterest expense | $2,154,000 | 5,857 |
| Salaries and employee benefits | $1,049,000 | 6,215 |
| Premises and equipment expense | $437,000 | 4,594 |
| Additional noninterest expense | $668,000 | 5,727 |
| Pre-tax net operating income | $-222,000 | 8,395 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-207,000 | 8,684 |
| Income before extraordinary items | $-15,000 | 8,301 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-15,000 | 8,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 2,933 |
| Cash dividends | $155,000 | 5,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-15,000 | 8,273 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,753,000 | 6,046 |
| Total interest expense | $735,000 | 6,231 |
| Net interest income | $2,018,000 | 5,866 |
| Provision for loan and lease losses | $186,000 | 3,074 |
| Total noninterest income | $218,000 | 6,410 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $176,000 | 4,736 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $42,000 | 7,265 |
| Total noninterest expense | $1,544,000 | 5,980 |
| Salaries and employee benefits | $763,000 | 6,297 |
| Premises and equipment expense | $305,000 | 4,790 |
| Additional noninterest expense | $476,000 | 5,856 |
| Pre-tax net operating income | $506,000 | 6,380 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $104,000 | 5,203 |
| Income before extraordinary items | $402,000 | 6,365 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $402,000 | 6,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,622 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $402,000 | 6,328 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,791,000 | 6,051 |
| Total interest expense | $453,000 | 6,295 |
| Net interest income | $1,338,000 | 5,865 |
| Provision for loan and lease losses | $77,000 | 3,794 |
| Total noninterest income | $141,000 | 6,455 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $113,000 | 4,773 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $28,000 | 7,271 |
| Total noninterest expense | $1,035,000 | 5,945 |
| Salaries and employee benefits | $510,000 | 6,275 |
| Premises and equipment expense | $204,000 | 4,762 |
| Additional noninterest expense | $321,000 | 5,795 |
| Pre-tax net operating income | $367,000 | 6,180 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $78,000 | 5,103 |
| Income before extraordinary items | $289,000 | 6,198 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $289,000 | 6,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,010 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $289,000 | 6,144 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $873,000 | 6,129 |
| Total interest expense | $209,000 | 6,428 |
| Net interest income | $664,000 | 5,900 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $77,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $57,000 | 4,704 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,849 |
| Total noninterest expense | $521,000 | 5,966 |
| Salaries and employee benefits | $254,000 | 6,331 |
| Premises and equipment expense | $104,000 | 4,732 |
| Additional noninterest expense | $163,000 | 5,744 |
| Pre-tax net operating income | $199,000 | 5,964 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $50,000 | 4,748 |
| Income before extraordinary items | $149,000 | 6,118 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $149,000 | 6,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $149,000 | 6,077 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,215,000 | 6,230 |
| Total interest expense | $757,000 | 6,404 |
| Net interest income | $2,458,000 | 6,063 |
| Provision for loan and lease losses | $91,000 | 5,155 |
| Total noninterest income | $298,000 | 6,420 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $227,000 | 4,945 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $71,000 | 6,969 |
| Total noninterest expense | $1,970,000 | 6,049 |
| Salaries and employee benefits | $949,000 | 6,446 |
| Premises and equipment expense | $401,000 | 4,755 |
| Additional noninterest expense | $620,000 | 5,878 |
| Pre-tax net operating income | $695,000 | 6,111 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $142,000 | 5,164 |
| Income before extraordinary items | $553,000 | 6,143 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $553,000 | 6,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,270 |
| Cash dividends | $125,000 | 5,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $553,000 | 6,070 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,318,000 | 6,344 |
| Total interest expense | $561,000 | 6,407 |
| Net interest income | $1,757,000 | 6,200 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $192,000 | 6,760 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $161,000 | 5,115 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 7,667 |
| Total noninterest expense | $1,416,000 | 6,155 |
| Salaries and employee benefits | $676,000 | 6,562 |
| Premises and equipment expense | $281,000 | 4,970 |
| Additional noninterest expense | $459,000 | 5,877 |
| Pre-tax net operating income | $488,000 | 6,372 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $90,000 | 5,450 |
| Income before extraordinary items | $398,000 | 6,340 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $398,000 | 6,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,743 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $398,000 | 6,261 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 6,461 |
| Total interest expense | $372,000 | 6,459 |
| Net interest income | $1,129,000 | 6,331 |
| Provision for loan and lease losses | $32,000 | 5,260 |
| Total noninterest income | $123,000 | 6,850 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $100,000 | 5,267 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,596 |
| Total noninterest expense | $920,000 | 6,287 |
| Salaries and employee benefits | $437,000 | 6,706 |
| Premises and equipment expense | $176,000 | 5,184 |
| Additional noninterest expense | $307,000 | 5,910 |
| Pre-tax net operating income | $300,000 | 6,498 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $51,000 | 5,621 |
| Income before extraordinary items | $249,000 | 6,454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $249,000 | 6,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $249,000 | 6,360 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $759,000 | 6,449 |
| Total interest expense | $192,000 | 6,442 |
| Net interest income | $567,000 | 6,330 |
| Provision for loan and lease losses | $16,000 | 5,025 |
| Total noninterest income | $60,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $52,000 | 5,121 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $450,000 | 6,407 |
| Salaries and employee benefits | $202,000 | 6,950 |
| Premises and equipment expense | $90,000 | 5,166 |
| Additional noninterest expense | $158,000 | 5,843 |
| Pre-tax net operating income | $161,000 | 6,293 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $27,000 | 5,505 |
| Income before extraordinary items | $134,000 | 6,266 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $134,000 | 6,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $134,000 | 6,155 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,898,000 | 6,646 |
| Total interest expense | $851,000 | 6,556 |
| Net interest income | $2,047,000 | 6,525 |
| Provision for loan and lease losses | $69,000 | 5,855 |
| Total noninterest income | $247,000 | 6,971 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $186,000 | 5,426 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $61,000 | 7,285 |
| Total noninterest expense | $1,501,000 | 6,882 |
| Salaries and employee benefits | $722,000 | 7,230 |
| Premises and equipment expense | $282,000 | 5,852 |
| Additional noninterest expense | $497,000 | 6,571 |
| Pre-tax net operating income | $724,000 | 5,928 |
| Securities gains (losses) | $10,000 | 3,613 |
| Applicable income taxes | $173,000 | 5,110 |
| Income before extraordinary items | $561,000 | 6,089 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $561,000 | 6,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,740 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $553,400 | 5,971 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,123,000 | 6,793 |
| Total interest expense | $650,000 | 6,658 |
| Net interest income | $1,473,000 | 6,691 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $172,000 | 7,153 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $138,000 | 5,469 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,000 | 7,714 |
| Total noninterest expense | $1,060,000 | 7,054 |
| Salaries and employee benefits | $505,000 | 7,374 |
| Premises and equipment expense | $197,000 | 6,038 |
| Additional noninterest expense | $358,000 | 6,655 |
| Pre-tax net operating income | $558,000 | 6,036 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $117,000 | 5,396 |
| Income before extraordinary items | $447,000 | 6,111 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $447,000 | 6,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $442,260 | 5,971 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,382,000 | 6,910 |
| Total interest expense | $439,000 | 6,740 |
| Net interest income | $943,000 | 6,817 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $109,000 | 7,234 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $22,000 | 7,723 |
| Total noninterest expense | $693,000 | 7,127 |
| Salaries and employee benefits | $329,000 | 7,444 |
| Premises and equipment expense | $127,000 | 6,126 |
| Additional noninterest expense | $237,000 | 6,682 |
| Pre-tax net operating income | $341,000 | 6,232 |
| Securities gains (losses) | $6,000 | 3,151 |
| Applicable income taxes | $44,000 | 6,023 |
| Income before extraordinary items | $303,000 | 6,074 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $303,000 | 6,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $297,780 | 5,917 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $685,000 | 6,963 |
| Total interest expense | $224,000 | 6,772 |
| Net interest income | $461,000 | 6,888 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $46,000 | 7,509 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $356,000 | 7,074 |
| Salaries and employee benefits | $166,000 | 7,463 |
| Premises and equipment expense | $65,000 | 6,056 |
| Additional noninterest expense | $125,000 | 6,520 |
| Pre-tax net operating income | $142,000 | 6,566 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $16,000 | 6,250 |
| Income before extraordinary items | $127,000 | 6,427 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $127,000 | 6,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $126,110 | 6,263 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,689,000 | 7,170 |
| Total interest expense | $953,000 | 7,057 |
| Net interest income | $1,736,000 | 7,060 |
| Provision for loan and lease losses | $88,000 | 5,953 |
| Total noninterest income | $147,000 | 7,863 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $145,000 | 5,892 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,151 |
| Total noninterest expense | $1,286,000 | 7,281 |
| Salaries and employee benefits | $656,000 | 7,474 |
| Premises and equipment expense | $228,000 | 6,413 |
| Additional noninterest expense | $402,000 | 7,139 |
| Pre-tax net operating income | $509,000 | 6,731 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $74,000 | 6,227 |
| Income before extraordinary items | $435,000 | 6,675 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $435,000 | 6,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,210 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $435,000 | 6,550 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 7,668 |
| Total interest expense | $1,143,000 | 7,720 |
| Net interest income | $1,432,000 | 7,450 |
| Provision for loan and lease losses | $29,000 | 7,298 |
| Total noninterest income | $140,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $103,000 | 6,520 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $37,000 | 8,124 |
| Total noninterest expense | $1,221,000 | 7,406 |
| Salaries and employee benefits | $587,000 | 7,732 |
| Premises and equipment expense | $185,000 | 7,000 |
| Additional noninterest expense | $449,000 | 6,794 |
| Pre-tax net operating income | $322,000 | 7,309 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $322,000 | 6,999 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $322,000 | 6,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $200,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $322,000 | 6,879 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,218,000 | 8,208 |
| Total interest expense | $1,061,000 | 8,105 |
| Net interest income | $1,157,000 | 8,168 |
| Provision for loan and lease losses | $45,000 | 6,708 |
| Total noninterest income | $136,000 | 8,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 6,945 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 7,661 |
| Total noninterest expense | $1,055,000 | 7,859 |
| Salaries and employee benefits | $550,000 | 7,972 |
| Premises and equipment expense | $145,000 | 7,669 |
| Additional noninterest expense | $360,000 | 7,480 |
| Pre-tax net operating income | $193,000 | 8,395 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-29,000 | 9,418 |
| Income before extraordinary items | $222,000 | 7,945 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $222,000 | 7,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,939 |
| Cash dividends | $125,000 | 5,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $222,000 | 7,948 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,593,000 | 8,949 |
| Total interest expense | $655,000 | 9,058 |
| Net interest income | $938,000 | 8,769 |
| Provision for loan and lease losses | $2,000 | 8,441 |
| Total noninterest income | $72,000 | 9,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 7,692 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,434 |
| Total noninterest expense | $762,000 | 8,841 |
| Salaries and employee benefits | $358,000 | 9,137 |
| Premises and equipment expense | $74,000 | 9,145 |
| Additional noninterest expense | $330,000 | 7,876 |
| Pre-tax net operating income | $246,000 | 8,353 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $16,000 | 8,309 |
| Income before extraordinary items | $228,000 | 8,099 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $228,000 | 8,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $78,000 | 6,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $229,860 | 8,063 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 9,179 |
| Total interest expense | $699,000 | 9,197 |
| Net interest income | $888,000 | 9,050 |
| Provision for loan and lease losses | $5,000 | 8,460 |
| Total noninterest income | $85,000 | 9,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,542 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,739 |
| Total noninterest expense | $685,000 | 9,147 |
| Salaries and employee benefits | $310,000 | 9,571 |
| Premises and equipment expense | $64,000 | 9,489 |
| Additional noninterest expense | $311,000 | 8,014 |
| Pre-tax net operating income | $283,000 | 8,504 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $61,000 | 8,140 |
| Income before extraordinary items | $225,000 | 8,432 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $225,000 | 8,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $216,000 | 5,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $222,630 | 8,382 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 9,596 |
| Total interest expense | $683,000 | 9,585 |
| Net interest income | $879,000 | 9,474 |
| Provision for loan and lease losses | $48,000 | 6,747 |
| Total noninterest income | $90,000 | 9,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 7,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 10,147 |
| Total noninterest expense | $568,000 | 9,866 |
| Salaries and employee benefits | $294,000 | 9,998 |
| Premises and equipment expense | $61,000 | 9,927 |
| Additional noninterest expense | $213,000 | 9,231 |
| Pre-tax net operating income | $353,000 | 8,717 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $82,000 | 8,717 |
| Income before extraordinary items | $274,000 | 8,571 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $274,000 | 8,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $240,000 | 5,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $271,690 | 8,552 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,448,000 | 10,192 |
| Total interest expense | $629,000 | 10,182 |
| Net interest income | $819,000 | 10,062 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $93,000 | 10,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 8,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 10,521 |
| Total noninterest expense | $536,000 | 10,441 |
| Salaries and employee benefits | $276,000 | 10,543 |
| Premises and equipment expense | $60,000 | 10,351 |
| Additional noninterest expense | $200,000 | 9,934 |
| Pre-tax net operating income | $356,000 | 8,773 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $100,000 | 8,748 |
| Income before extraordinary items | $256,000 | 8,784 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $256,000 | 8,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $102,000 | 6,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $256,000 | 8,722 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,329,000 | 10,795 |
| Total interest expense | $579,000 | 10,747 |
| Net interest income | $750,000 | 10,682 |
| Provision for loan and lease losses | $15,000 | 7,935 |
| Total noninterest income | $96,000 | 10,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,525 |
| Total noninterest expense | $537,000 | 10,855 |
| Salaries and employee benefits | $250,000 | 11,149 |
| Premises and equipment expense | $58,000 | 10,852 |
| Additional noninterest expense | $229,000 | 10,080 |
| Pre-tax net operating income | $294,000 | 9,785 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $70,000 | 9,795 |
| Income before extraordinary items | $223,000 | 9,692 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $223,000 | 9,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $223,760 | 9,652 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,137,000 | 11,464 |
| Total interest expense | $453,000 | 11,316 |
| Net interest income | $684,000 | 11,430 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $76,000 | 11,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,281 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 11,845 |
| Total noninterest expense | $475,000 | 11,722 |
| Salaries and employee benefits | $216,000 | 11,949 |
| Premises and equipment expense | $48,000 | 11,699 |
| Additional noninterest expense | $211,000 | 11,004 |
| Pre-tax net operating income | $285,000 | 10,241 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $65,000 | 10,116 |
| Income before extraordinary items | $219,000 | 10,043 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $219,000 | 10,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $204,000 | 5,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $219,770 | 10,099 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,114,000 | 12,066 |
| Total interest expense | $470,000 | 11,831 |
| Net interest income | $644,000 | 12,058 |
| Provision for loan and lease losses | $39,000 | 8,009 |
| Total noninterest income | $79,000 | 11,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 9,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,117 |
| Total noninterest expense | $462,000 | 12,352 |
| Salaries and employee benefits | $208,000 | 12,561 |
| Premises and equipment expense | $44,000 | 12,403 |
| Additional noninterest expense | $210,000 | 11,589 |
| Pre-tax net operating income | $222,000 | 10,854 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $81,000 | 10,189 |
| Income before extraordinary items | $141,000 | 11,312 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $141,000 | 11,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $138,000 | 6,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $141,000 | 11,106 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 12,481 |
| Total interest expense | $598,000 | 12,300 |
| Net interest income | $660,000 | 12,476 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $73,000 | 12,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 10,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $443,000 | 12,939 |
| Salaries and employee benefits | $187,000 | 13,277 |
| Premises and equipment expense | $42,000 | 12,992 |
| Additional noninterest expense | $214,000 | 12,038 |
| Pre-tax net operating income | $260,000 | 10,515 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $72,000 | 10,657 |
| Income before extraordinary items | $189,000 | 10,749 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $189,000 | 10,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $57,000 | 7,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $188,280 | 10,421 |
* 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.