Home > State Bank & Trust Company > Income and Expense
State Bank & Trust Company, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,863,000 | 5,220 |
| Total interest expense | $1,254,000 | 5,002 |
| Net interest income | $1,609,000 | 5,263 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $428,000 | 3,873 |
| Gross Fiduciary activities income | $6,000 | 1,200 |
| Service charges on deposit accounts | $294,000 | 2,678 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $128,000 | 4,591 |
| Total noninterest expense | $2,067,000 | 4,142 |
| Salaries and employee benefits | $959,000 | 4,661 |
| Premises and equipment expense | $280,000 | 4,163 |
| Additional noninterest expense | $828,000 | 3,263 |
| Pre-tax net operating income | $-30,000 | 7,047 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-36,000 | 7,719 |
| Income before extraordinary items | $6,000 | 6,972 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,000 | 6,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,066 |
| Cash dividends | $432,000 | 2,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $6,000 | 6,919 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,531,000 | 5,116 |
| Total interest expense | $704,000 | 4,866 |
| Net interest income | $827,000 | 5,209 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $211,000 | 3,896 |
| Gross Fiduciary activities income | $2,000 | 1,203 |
| Service charges on deposit accounts | $125,000 | 2,971 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $84,000 | 4,100 |
| Total noninterest expense | $960,000 | 4,361 |
| Salaries and employee benefits | $480,000 | 4,693 |
| Premises and equipment expense | $132,000 | 4,369 |
| Additional noninterest expense | $348,000 | 3,692 |
| Pre-tax net operating income | $78,000 | 6,272 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $7,000 | 4,983 |
| Income before extraordinary items | $71,000 | 6,257 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $71,000 | 6,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,277 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $71,000 | 6,164 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,592,000 | 4,907 |
| Total interest expense | $3,191,000 | 4,616 |
| Net interest income | $3,401,000 | 5,131 |
| Provision for loan and lease losses | $160,000 | 4,234 |
| Total noninterest income | $894,000 | 3,770 |
| Gross Fiduciary activities income | $8,000 | 1,284 |
| Service charges on deposit accounts | $609,000 | 2,643 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $277,000 | 4,396 |
| Total noninterest expense | $3,997,000 | 4,126 |
| Salaries and employee benefits | $2,026,000 | 4,353 |
| Premises and equipment expense | $652,000 | 3,622 |
| Additional noninterest expense | $1,319,000 | 3,800 |
| Pre-tax net operating income | $138,000 | 7,039 |
| Securities gains (losses) | $220,000 | 425 |
| Applicable income taxes | $-41,000 | 7,915 |
| Income before extraordinary items | $399,000 | 6,053 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $399,000 | 6,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 2,206 |
| Cash dividends | $315,000 | 4,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $179,000 | 6,838 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,904,000 | 4,958 |
| Total interest expense | $2,408,000 | 4,603 |
| Net interest income | $2,496,000 | 5,221 |
| Provision for loan and lease losses | $160,000 | 3,381 |
| Total noninterest income | $561,000 | 4,151 |
| Gross Fiduciary activities income | $5,000 | 1,269 |
| Service charges on deposit accounts | $464,000 | 2,598 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $92,000 | 5,943 |
| Total noninterest expense | $2,785,000 | 4,327 |
| Salaries and employee benefits | $1,485,000 | 4,404 |
| Premises and equipment expense | $536,000 | 3,364 |
| Additional noninterest expense | $764,000 | 4,530 |
| Pre-tax net operating income | $112,000 | 7,277 |
| Securities gains (losses) | $179,000 | 388 |
| Applicable income taxes | $-46,000 | 8,149 |
| Income before extraordinary items | $337,000 | 6,122 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $337,000 | 6,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,810 |
| Cash dividends | $105,000 | 4,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $158,000 | 6,982 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,253,000 | 4,993 |
| Total interest expense | $1,600,000 | 4,594 |
| Net interest income | $1,653,000 | 5,271 |
| Provision for loan and lease losses | $140,000 | 2,749 |
| Total noninterest income | $386,000 | 4,114 |
| Gross Fiduciary activities income | $3,000 | 1,282 |
| Service charges on deposit accounts | $323,000 | 2,503 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $60,000 | 5,996 |
| Total noninterest expense | $2,047,000 | 4,065 |
| Salaries and employee benefits | $999,000 | 4,414 |
| Premises and equipment expense | $355,000 | 3,398 |
| Additional noninterest expense | $693,000 | 3,590 |
| Pre-tax net operating income | $-148,000 | 8,041 |
| Securities gains (losses) | $179,000 | 320 |
| Applicable income taxes | $-97,000 | 8,374 |
| Income before extraordinary items | $128,000 | 6,915 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $128,000 | 6,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,680 |
| Cash dividends | $50,000 | 4,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-51,000 | 7,902 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,616,000 | 5,001 |
| Total interest expense | $802,000 | 4,565 |
| Net interest income | $814,000 | 5,335 |
| Provision for loan and lease losses | $110,000 | 1,886 |
| Total noninterest income | $172,000 | 4,326 |
| Gross Fiduciary activities income | $2,000 | 1,213 |
| Service charges on deposit accounts | $157,000 | 2,508 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $13,000 | 7,127 |
| Total noninterest expense | $1,012,000 | 4,108 |
| Salaries and employee benefits | $483,000 | 4,552 |
| Premises and equipment expense | $202,000 | 3,085 |
| Additional noninterest expense | $327,000 | 3,712 |
| Pre-tax net operating income | $-136,000 | 8,210 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-86,000 | 8,497 |
| Income before extraordinary items | $-50,000 | 8,049 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-50,000 | 8,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,237 |
| Cash dividends | $50,000 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-50,000 | 8,035 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,880,000 | 4,617 |
| Total interest expense | $2,915,000 | 4,387 |
| Net interest income | $3,965,000 | 4,679 |
| Provision for loan and lease losses | $600,000 | 1,606 |
| Total noninterest income | $949,000 | 3,676 |
| Gross Fiduciary activities income | $8,000 | 1,304 |
| Service charges on deposit accounts | $787,000 | 2,138 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $154,000 | 5,572 |
| Total noninterest expense | $3,997,000 | 4,002 |
| Salaries and employee benefits | $1,874,000 | 4,494 |
| Premises and equipment expense | $588,000 | 3,828 |
| Additional noninterest expense | $1,535,000 | 3,240 |
| Pre-tax net operating income | $317,000 | 7,067 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-240,000 | 8,486 |
| Income before extraordinary items | $557,000 | 5,965 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $557,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,089,000 | 636 |
| Cash dividends | $50,000 | 5,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $557,000 | 5,961 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,138,000 | 4,613 |
| Total interest expense | $2,139,000 | 4,363 |
| Net interest income | $2,999,000 | 4,692 |
| Provision for loan and lease losses | $450,000 | 1,514 |
| Total noninterest income | $669,000 | 3,807 |
| Gross Fiduciary activities income | $5,000 | 1,291 |
| Service charges on deposit accounts | $594,000 | 2,138 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $70,000 | 6,429 |
| Total noninterest expense | $2,964,000 | 4,014 |
| Salaries and employee benefits | $1,371,000 | 4,537 |
| Premises and equipment expense | $539,000 | 3,270 |
| Additional noninterest expense | $1,054,000 | 3,459 |
| Pre-tax net operating income | $254,000 | 7,213 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-178,000 | 8,615 |
| Income before extraordinary items | $432,000 | 6,081 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $432,000 | 6,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,140,000 | 419 |
| Cash dividends | $50,000 | 5,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $432,000 | 6,073 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,473,000 | 4,537 |
| Total interest expense | $1,408,000 | 4,276 |
| Net interest income | $2,065,000 | 4,627 |
| Provision for loan and lease losses | $300,000 | 1,464 |
| Total noninterest income | $408,000 | 4,012 |
| Gross Fiduciary activities income | $3,000 | 1,300 |
| Service charges on deposit accounts | $372,000 | 2,239 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $33,000 | 6,993 |
| Total noninterest expense | $1,916,000 | 4,113 |
| Salaries and employee benefits | $906,000 | 4,599 |
| Premises and equipment expense | $329,000 | 3,505 |
| Additional noninterest expense | $681,000 | 3,564 |
| Pre-tax net operating income | $257,000 | 6,731 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-95,000 | 8,627 |
| Income before extraordinary items | $352,000 | 5,675 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $352,000 | 5,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $951,000 | 353 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $352,000 | 5,674 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 4,422 |
| Total interest expense | $701,000 | 4,170 |
| Net interest income | $1,068,000 | 4,512 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $211,000 | 3,868 |
| Gross Fiduciary activities income | $2,000 | 1,247 |
| Service charges on deposit accounts | $184,000 | 2,186 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $876,000 | 4,408 |
| Salaries and employee benefits | $448,000 | 4,658 |
| Premises and equipment expense | $158,000 | 3,627 |
| Additional noninterest expense | $270,000 | 4,230 |
| Pre-tax net operating income | $253,000 | 5,345 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $11,000 | 5,709 |
| Income before extraordinary items | $242,000 | 4,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $242,000 | 4,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 997 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $242,000 | 4,902 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,995,000 | 4,147 |
| Total interest expense | $2,677,000 | 3,641 |
| Net interest income | $4,318,000 | 4,392 |
| Provision for loan and lease losses | $2,844,000 | 379 |
| Total noninterest income | $1,065,000 | 3,403 |
| Gross Fiduciary activities income | $8,000 | 1,332 |
| Service charges on deposit accounts | $864,000 | 1,978 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $193,000 | 5,236 |
| Total noninterest expense | $4,009,000 | 3,854 |
| Salaries and employee benefits | $1,865,000 | 4,351 |
| Premises and equipment expense | $945,000 | 2,488 |
| Additional noninterest expense | $1,199,000 | 3,873 |
| Pre-tax net operating income | $-1,470,000 | 8,718 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-876,000 | 8,795 |
| Income before extraordinary items | $-594,000 | 8,577 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-594,000 | 8,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,418,000 | 523 |
| Cash dividends | $485,000 | 3,722 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-594,000 | 8,560 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,107,000 | 4,174 |
| Total interest expense | $1,977,000 | 3,545 |
| Net interest income | $3,130,000 | 4,504 |
| Provision for loan and lease losses | $2,260,000 | 347 |
| Total noninterest income | $795,000 | 3,416 |
| Gross Fiduciary activities income | $7,000 | 1,273 |
| Service charges on deposit accounts | $649,000 | 1,970 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $139,000 | 5,331 |
| Total noninterest expense | $2,766,000 | 4,085 |
| Salaries and employee benefits | $1,346,000 | 4,461 |
| Premises and equipment expense | $667,000 | 2,609 |
| Additional noninterest expense | $753,000 | 4,385 |
| Pre-tax net operating income | $-1,101,000 | 8,736 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-656,000 | 8,832 |
| Income before extraordinary items | $-445,000 | 8,616 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-445,000 | 8,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,557,000 | 363 |
| Cash dividends | $485,000 | 2,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-445,000 | 8,589 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,239,000 | 4,261 |
| Total interest expense | $1,299,000 | 3,423 |
| Net interest income | $1,940,000 | 4,718 |
| Provision for loan and lease losses | $1,660,000 | 312 |
| Total noninterest income | $528,000 | 3,392 |
| Gross Fiduciary activities income | $2,000 | 1,342 |
| Service charges on deposit accounts | $426,000 | 1,964 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $100,000 | 5,187 |
| Total noninterest expense | $1,760,000 | 4,219 |
| Salaries and employee benefits | $899,000 | 4,428 |
| Premises and equipment expense | $386,000 | 2,947 |
| Additional noninterest expense | $475,000 | 4,546 |
| Pre-tax net operating income | $-952,000 | 8,770 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-517,000 | 8,833 |
| Income before extraordinary items | $-435,000 | 8,700 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-435,000 | 8,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,546,000 | 269 |
| Cash dividends | $450,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-435,000 | 8,672 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,621,000 | 4,234 |
| Total interest expense | $639,000 | 3,342 |
| Net interest income | $982,000 | 4,678 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $297,000 | 3,076 |
| Gross Fiduciary activities income | $2,000 | 1,263 |
| Service charges on deposit accounts | $198,000 | 2,016 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,786 |
| Total noninterest expense | $882,000 | 4,232 |
| Salaries and employee benefits | $454,000 | 4,413 |
| Premises and equipment expense | $177,000 | 3,187 |
| Additional noninterest expense | $251,000 | 4,353 |
| Pre-tax net operating income | $397,000 | 4,303 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $57,000 | 4,604 |
| Income before extraordinary items | $340,000 | 4,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $340,000 | 4,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 943 |
| Cash dividends | $450,000 | 1,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $340,000 | 3,989 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,323,000 | 3,676 |
| Total interest expense | $2,598,000 | 2,949 |
| Net interest income | $4,725,000 | 3,971 |
| Provision for loan and lease losses | $633,000 | 1,569 |
| Total noninterest income | $1,188,000 | 3,149 |
| Gross Fiduciary activities income | $10,000 | 1,316 |
| Service charges on deposit accounts | $985,000 | 1,780 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $193,000 | 5,178 |
| Total noninterest expense | $3,481,000 | 4,201 |
| Salaries and employee benefits | $1,712,000 | 4,500 |
| Premises and equipment expense | $814,000 | 2,746 |
| Additional noninterest expense | $955,000 | 4,518 |
| Pre-tax net operating income | $1,799,000 | 3,790 |
| Securities gains (losses) | $6,000 | 3,079 |
| Applicable income taxes | $185,000 | 4,848 |
| Income before extraordinary items | $1,620,000 | 3,434 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,620,000 | 3,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 1,560 |
| Cash dividends | $525,000 | 3,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,614,600 | 3,382 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,607,000 | 3,582 |
| Total interest expense | $1,972,000 | 2,881 |
| Net interest income | $3,635,000 | 3,884 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $889,000 | 3,169 |
| Gross Fiduciary activities income | $8,000 | 1,279 |
| Service charges on deposit accounts | $765,000 | 1,737 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $116,000 | 5,640 |
| Total noninterest expense | $2,437,000 | 4,395 |
| Salaries and employee benefits | $1,234,000 | 4,594 |
| Premises and equipment expense | $484,000 | 3,340 |
| Additional noninterest expense | $719,000 | 4,429 |
| Pre-tax net operating income | $2,037,000 | 2,833 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $444,000 | 3,110 |
| Income before extraordinary items | $1,594,000 | 2,809 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,594,000 | 2,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,698 |
| Cash dividends | $525,000 | 2,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,593,220 | 2,735 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,711,000 | 3,593 |
| Total interest expense | $1,337,000 | 2,821 |
| Net interest income | $2,374,000 | 3,930 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $597,000 | 3,183 |
| Gross Fiduciary activities income | $6,000 | 1,267 |
| Service charges on deposit accounts | $504,000 | 1,734 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $87,000 | 5,445 |
| Total noninterest expense | $1,629,000 | 4,403 |
| Salaries and employee benefits | $818,000 | 4,640 |
| Premises and equipment expense | $329,000 | 3,297 |
| Additional noninterest expense | $482,000 | 4,433 |
| Pre-tax net operating income | $1,292,000 | 2,939 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $271,000 | 3,252 |
| Income before extraordinary items | $1,022,000 | 2,881 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,022,000 | 2,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $475,000 | 2,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,021,210 | 2,806 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,849,000 | 3,610 |
| Total interest expense | $681,000 | 2,814 |
| Net interest income | $1,168,000 | 3,980 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $336,000 | 2,867 |
| Gross Fiduciary activities income | $2,000 | 1,290 |
| Service charges on deposit accounts | $240,000 | 1,780 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $94,000 | 3,835 |
| Total noninterest expense | $844,000 | 4,315 |
| Salaries and employee benefits | $404,000 | 4,706 |
| Premises and equipment expense | $184,000 | 3,026 |
| Additional noninterest expense | $256,000 | 4,241 |
| Pre-tax net operating income | $610,000 | 3,042 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $122,000 | 3,464 |
| Income before extraordinary items | $488,000 | 3,009 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $488,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,228 |
| Cash dividends | $475,000 | 1,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $488,000 | 2,902 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,366,000 | 3,660 |
| Total interest expense | $2,974,000 | 2,894 |
| Net interest income | $4,392,000 | 4,072 |
| Provision for loan and lease losses | $948,000 | 1,254 |
| Total noninterest income | $1,171,000 | 3,361 |
| Gross Fiduciary activities income | $12,000 | 1,325 |
| Service charges on deposit accounts | $1,098,000 | 1,570 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $61,000 | 7,285 |
| Total noninterest expense | $3,366,000 | 4,252 |
| Salaries and employee benefits | $1,628,000 | 4,576 |
| Premises and equipment expense | $668,000 | 3,216 |
| Additional noninterest expense | $1,070,000 | 4,056 |
| Pre-tax net operating income | $1,249,000 | 4,579 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $118,000 | 5,544 |
| Income before extraordinary items | $1,131,000 | 4,286 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,131,000 | 4,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $703,000 | 1,225 |
| Cash dividends | $490,000 | 3,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,131,000 | 4,120 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,476,000 | 3,728 |
| Total interest expense | $2,262,000 | 2,939 |
| Net interest income | $3,214,000 | 4,180 |
| Provision for loan and lease losses | $300,000 | 2,501 |
| Total noninterest income | $928,000 | 3,292 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $859,000 | 1,518 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $69,000 | 6,726 |
| Total noninterest expense | $2,495,000 | 4,278 |
| Salaries and employee benefits | $1,211,000 | 4,585 |
| Premises and equipment expense | $490,000 | 3,275 |
| Additional noninterest expense | $794,000 | 4,077 |
| Pre-tax net operating income | $1,347,000 | 3,762 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $253,000 | 4,260 |
| Income before extraordinary items | $1,094,000 | 3,760 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,094,000 | 3,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,619 |
| Cash dividends | $490,000 | 2,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,094,000 | 3,587 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,619,000 | 3,788 |
| Total interest expense | $1,526,000 | 2,996 |
| Net interest income | $2,093,000 | 4,254 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $632,000 | 3,222 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $588,000 | 1,455 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $44,000 | 6,789 |
| Total noninterest expense | $1,639,000 | 4,317 |
| Salaries and employee benefits | $798,000 | 4,616 |
| Premises and equipment expense | $302,000 | 3,466 |
| Additional noninterest expense | $539,000 | 4,015 |
| Pre-tax net operating income | $936,000 | 3,665 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $191,000 | 4,068 |
| Income before extraordinary items | $745,000 | 3,688 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $745,000 | 3,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,935 |
| Cash dividends | $490,000 | 2,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $745,000 | 3,497 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,801,000 | 3,820 |
| Total interest expense | $773,000 | 3,026 |
| Net interest income | $1,028,000 | 4,307 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $315,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $295,000 | 1,405 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $835,000 | 4,232 |
| Salaries and employee benefits | $387,000 | 4,725 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $312,000 | 3,548 |
| Pre-tax net operating income | $508,000 | 3,449 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $108,000 | 3,802 |
| Income before extraordinary items | $400,000 | 3,453 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $400,000 | 3,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $490,000 | 1,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $400,000 | 3,290 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,521,000 | 3,825 |
| Total interest expense | $3,702,000 | 2,941 |
| Net interest income | $3,819,000 | 4,499 |
| Provision for loan and lease losses | $321,000 | 3,290 |
| Total noninterest income | $1,167,000 | 3,133 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,124,000 | 1,439 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 7,790 |
| Total noninterest expense | $3,147,000 | 4,307 |
| Salaries and employee benefits | $1,551,000 | 4,569 |
| Premises and equipment expense | $630,000 | 3,264 |
| Additional noninterest expense | $966,000 | 4,295 |
| Pre-tax net operating income | $1,518,000 | 4,084 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $296,000 | 4,467 |
| Income before extraordinary items | $1,222,000 | 4,035 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,222,000 | 4,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 2,319 |
| Cash dividends | $525,000 | 3,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,222,000 | 3,926 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,975,000 | 4,035 |
| Total interest expense | $4,214,000 | 3,643 |
| Net interest income | $3,761,000 | 4,333 |
| Provision for loan and lease losses | $276,000 | 3,394 |
| Total noninterest income | $862,000 | 3,669 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $501,000 | 2,833 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $361,000 | 3,744 |
| Total noninterest expense | $2,942,000 | 4,401 |
| Salaries and employee benefits | $1,559,000 | 4,375 |
| Premises and equipment expense | $543,000 | 3,642 |
| Additional noninterest expense | $840,000 | 4,631 |
| Pre-tax net operating income | $1,405,000 | 4,035 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $369,000 | 3,885 |
| Income before extraordinary items | $1,036,000 | 4,187 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,036,000 | 4,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,562 |
| Cash dividends | $425,000 | 3,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,036,000 | 4,072 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,578,000 | 4,297 |
| Total interest expense | $3,639,000 | 4,274 |
| Net interest income | $3,939,000 | 4,235 |
| Provision for loan and lease losses | $410,000 | 2,238 |
| Total noninterest income | $1,015,000 | 3,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $621,000 | 2,215 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $394,000 | 3,381 |
| Total noninterest expense | $2,825,000 | 4,436 |
| Salaries and employee benefits | $1,440,000 | 4,508 |
| Premises and equipment expense | $512,000 | 3,719 |
| Additional noninterest expense | $873,000 | 4,447 |
| Pre-tax net operating income | $1,719,000 | 3,674 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $427,000 | 3,850 |
| Income before extraordinary items | $1,295,000 | 3,647 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,295,000 | 3,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,624 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,292,750 | 3,645 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,033,000 | 4,373 |
| Total interest expense | $3,403,000 | 4,137 |
| Net interest income | $3,630,000 | 4,528 |
| Provision for loan and lease losses | $199,000 | 3,589 |
| Total noninterest income | $879,000 | 3,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $490,000 | 2,678 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $389,000 | 3,492 |
| Total noninterest expense | $2,873,000 | 4,362 |
| Salaries and employee benefits | $1,364,000 | 4,684 |
| Premises and equipment expense | $480,000 | 3,901 |
| Additional noninterest expense | $1,029,000 | 3,927 |
| Pre-tax net operating income | $1,437,000 | 4,216 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $346,000 | 4,501 |
| Income before extraordinary items | $1,091,000 | 4,174 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,091,000 | 4,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,792 |
| Cash dividends | $1,050,000 | 2,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,091,000 | 4,128 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,688,000 | 4,560 |
| Total interest expense | $3,246,000 | 4,436 |
| Net interest income | $3,442,000 | 4,660 |
| Provision for loan and lease losses | $115,000 | 4,832 |
| Total noninterest income | $733,000 | 3,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $445,000 | 2,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $288,000 | 4,125 |
| Total noninterest expense | $2,648,000 | 4,572 |
| Salaries and employee benefits | $1,375,000 | 4,547 |
| Premises and equipment expense | $448,000 | 4,025 |
| Additional noninterest expense | $825,000 | 4,578 |
| Pre-tax net operating income | $1,412,000 | 4,373 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $343,000 | 4,812 |
| Income before extraordinary items | $1,077,000 | 4,252 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,077,000 | 4,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 1,921 |
| Cash dividends | $985,000 | 2,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,070,920 | 4,173 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,843,000 | 5,168 |
| Total interest expense | $2,455,000 | 5,486 |
| Net interest income | $3,388,000 | 4,844 |
| Provision for loan and lease losses | $360,000 | 2,248 |
| Total noninterest income | $766,000 | 3,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $711,000 | 1,828 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,220 |
| Total noninterest expense | $2,505,000 | 4,773 |
| Salaries and employee benefits | $1,214,000 | 5,044 |
| Premises and equipment expense | $372,000 | 4,691 |
| Additional noninterest expense | $919,000 | 4,229 |
| Pre-tax net operating income | $1,289,000 | 4,997 |
| Securities gains (losses) | $9,000 | 2,430 |
| Applicable income taxes | $335,000 | 5,429 |
| Income before extraordinary items | $963,000 | 4,829 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $963,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,397 |
| Cash dividends | $3,200,000 | 880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $956,340 | 4,800 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,522,000 | 5,509 |
| Total interest expense | $2,311,000 | 5,831 |
| Net interest income | $3,211,000 | 5,183 |
| Provision for loan and lease losses | $214,000 | 3,273 |
| Total noninterest income | $877,000 | 3,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $653,000 | 2,063 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $224,000 | 4,874 |
| Total noninterest expense | $2,151,000 | 5,630 |
| Salaries and employee benefits | $1,055,000 | 5,768 |
| Premises and equipment expense | $331,000 | 5,217 |
| Additional noninterest expense | $765,000 | 5,382 |
| Pre-tax net operating income | $1,723,000 | 3,867 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $479,000 | 4,288 |
| Income before extraordinary items | $1,244,000 | 3,762 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,244,000 | 3,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,273 |
| Cash dividends | $102,000 | 6,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,244,000 | 3,713 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,943,000 | 6,044 |
| Total interest expense | $2,104,000 | 6,257 |
| Net interest income | $2,839,000 | 5,749 |
| Provision for loan and lease losses | $164,000 | 3,466 |
| Total noninterest income | $604,000 | 4,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $569,000 | 2,380 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,970 |
| Total noninterest expense | $1,863,000 | 6,320 |
| Salaries and employee benefits | $957,000 | 6,263 |
| Premises and equipment expense | $285,000 | 5,860 |
| Additional noninterest expense | $621,000 | 6,398 |
| Pre-tax net operating income | $1,416,000 | 4,651 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $343,000 | 5,527 |
| Income before extraordinary items | $1,073,000 | 4,335 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,073,000 | 4,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,551 |
| Cash dividends | $102,000 | 6,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,073,000 | 4,330 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 6,383 |
| Total interest expense | $1,618,000 | 6,559 |
| Net interest income | $2,657,000 | 6,160 |
| Provision for loan and lease losses | $99,000 | 4,618 |
| Total noninterest income | $600,000 | 4,659 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,382 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,793 |
| Total noninterest expense | $1,748,000 | 6,841 |
| Salaries and employee benefits | $876,000 | 6,778 |
| Premises and equipment expense | $313,000 | 5,526 |
| Additional noninterest expense | $559,000 | 7,354 |
| Pre-tax net operating income | $1,410,000 | 4,646 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $403,000 | 4,732 |
| Income before extraordinary items | $1,007,000 | 4,521 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,007,000 | 4,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,684 |
| Cash dividends | $99,000 | 6,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,007,000 | 4,563 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,165,000 | 6,674 |
| Total interest expense | $1,717,000 | 6,573 |
| Net interest income | $2,448,000 | 6,643 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $609,000 | 4,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $578,000 | 2,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $1,703,000 | 7,184 |
| Salaries and employee benefits | $873,000 | 6,881 |
| Premises and equipment expense | $246,000 | 6,763 |
| Additional noninterest expense | $584,000 | 7,479 |
| Pre-tax net operating income | $1,174,000 | 5,266 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $119,000 | 9,335 |
| Income before extraordinary items | $1,055,000 | 4,483 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,055,000 | 4,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,924 |
| Cash dividends | $98,000 | 7,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,055,000 | 4,249 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,419,000 | 6,991 |
| Total interest expense | $2,368,000 | 6,253 |
| Net interest income | $2,051,000 | 7,615 |
| Provision for loan and lease losses | $998,000 | 1,844 |
| Total noninterest income | $558,000 | 5,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $520,000 | 2,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $1,780,000 | 7,016 |
| Salaries and employee benefits | $992,000 | 6,074 |
| Premises and equipment expense | $248,000 | 6,814 |
| Additional noninterest expense | $540,000 | 8,084 |
| Pre-tax net operating income | $-169,000 | 13,045 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-169,000 | 13,145 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-169,000 | 13,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $797,000 | 1,825 |
| Cash dividends | $98,000 | 6,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-169,000 | 13,015 |
* 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.