Home > The Annapolis Banking and Trust Company > Income and Expense
The Annapolis Banking and Trust Company, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,319,000 | 1,525 |
| Total interest expense | $4,042,000 | 2,304 |
| Net interest income | $10,277,000 | 1,101 |
| Provision for loan and lease losses | $-425,000 | 8,562 |
| Total noninterest income | $1,873,000 | 1,395 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $943,000 | 944 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $930,000 | 1,468 |
| Total noninterest expense | $5,488,000 | 1,681 |
| Salaries and employee benefits | $2,900,000 | 1,770 |
| Premises and equipment expense | $691,000 | 1,896 |
| Additional noninterest expense | $1,897,000 | 1,436 |
| Pre-tax net operating income | $7,087,000 | 694 |
| Securities gains (losses) | $21,000 | 698 |
| Applicable income taxes | $2,666,000 | 575 |
| Income before extraordinary items | $4,442,000 | 819 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,442,000 | 818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,207 |
| Cash dividends | $1,740,000 | 1,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,428,560 | 811 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,956,000 | 1,560 |
| Total interest expense | $1,972,000 | 2,341 |
| Net interest income | $4,984,000 | 1,118 |
| Provision for loan and lease losses | $-25,000 | 8,476 |
| Total noninterest income | $944,000 | 1,364 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $424,000 | 1,010 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $520,000 | 1,321 |
| Total noninterest expense | $2,980,000 | 1,543 |
| Salaries and employee benefits | $1,635,000 | 1,586 |
| Premises and equipment expense | $366,000 | 1,816 |
| Additional noninterest expense | $979,000 | 1,367 |
| Pre-tax net operating income | $2,973,000 | 805 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $1,081,000 | 686 |
| Income before extraordinary items | $1,893,000 | 936 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,893,000 | 935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,320 |
| Cash dividends | $1,739,000 | 520 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,892,360 | 923 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,205,000 | 1,523 |
| Total interest expense | $6,412,000 | 2,449 |
| Net interest income | $19,793,000 | 1,120 |
| Provision for loan and lease losses | $-253,000 | 8,554 |
| Total noninterest income | $3,230,000 | 1,515 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,516,000 | 1,169 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,714,000 | 1,510 |
| Total noninterest expense | $11,032,000 | 1,605 |
| Salaries and employee benefits | $5,485,000 | 1,782 |
| Premises and equipment expense | $1,328,000 | 1,889 |
| Additional noninterest expense | $4,219,000 | 1,269 |
| Pre-tax net operating income | $12,244,000 | 814 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $4,258,000 | 716 |
| Income before extraordinary items | $7,986,000 | 933 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,986,000 | 933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,359 |
| Cash dividends | $6,551,000 | 558 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,182 |
| Net operating income | $7,986,000 | 919 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,332,000 | 1,540 |
| Total interest expense | $4,541,000 | 2,509 |
| Net interest income | $14,791,000 | 1,145 |
| Provision for loan and lease losses | $-253,000 | 8,632 |
| Total noninterest income | $2,366,000 | 1,556 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,117,000 | 1,202 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,249,000 | 1,545 |
| Total noninterest expense | $8,309,000 | 1,616 |
| Salaries and employee benefits | $4,126,000 | 1,780 |
| Premises and equipment expense | $995,000 | 1,908 |
| Additional noninterest expense | $3,188,000 | 1,258 |
| Pre-tax net operating income | $9,101,000 | 858 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,197,000 | 753 |
| Income before extraordinary items | $5,904,000 | 976 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,904,000 | 975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 8,334 |
| Cash dividends | $4,802,000 | 538 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 983 |
| Net operating income | $5,904,000 | 963 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,681,000 | 1,527 |
| Total interest expense | $2,774,000 | 2,607 |
| Net interest income | $9,907,000 | 1,137 |
| Provision for loan and lease losses | $-203,000 | 8,673 |
| Total noninterest income | $1,530,000 | 1,608 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $707,000 | 1,258 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $823,000 | 1,559 |
| Total noninterest expense | $5,529,000 | 1,620 |
| Salaries and employee benefits | $2,740,000 | 1,788 |
| Premises and equipment expense | $655,000 | 1,920 |
| Additional noninterest expense | $2,134,000 | 1,269 |
| Pre-tax net operating income | $6,111,000 | 844 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,139,000 | 758 |
| Income before extraordinary items | $3,972,000 | 972 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,972,000 | 973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,231 |
| Cash dividends | $3,135,000 | 547 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 815 |
| Net operating income | $3,972,000 | 952 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,282,000 | 1,513 |
| Total interest expense | $1,296,000 | 2,639 |
| Net interest income | $4,986,000 | 1,126 |
| Provision for loan and lease losses | $-203,000 | 8,707 |
| Total noninterest income | $719,000 | 1,662 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $339,000 | 1,274 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $380,000 | 1,626 |
| Total noninterest expense | $2,801,000 | 1,607 |
| Salaries and employee benefits | $1,346,000 | 1,835 |
| Premises and equipment expense | $331,000 | 1,914 |
| Additional noninterest expense | $1,124,000 | 1,186 |
| Pre-tax net operating income | $3,107,000 | 823 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,089,000 | 742 |
| Income before extraordinary items | $2,018,000 | 943 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,018,000 | 942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $1,399,000 | 578 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,018,000 | 923 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $23,925,000 | 1,400 |
| Total interest expense | $3,304,000 | 3,081 |
| Net interest income | $20,621,000 | 1,043 |
| Provision for loan and lease losses | $-725,000 | 8,763 |
| Total noninterest income | $2,992,000 | 1,609 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,437,000 | 1,234 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,555,000 | 1,618 |
| Total noninterest expense | $10,050,000 | 1,698 |
| Salaries and employee benefits | $5,642,000 | 1,663 |
| Premises and equipment expense | $1,405,000 | 1,730 |
| Additional noninterest expense | $3,003,000 | 1,683 |
| Pre-tax net operating income | $14,288,000 | 695 |
| Securities gains (losses) | $137,000 | 608 |
| Applicable income taxes | $5,131,000 | 625 |
| Income before extraordinary items | $9,294,000 | 780 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $9,294,000 | 782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,497 |
| Cash dividends | $8,316,000 | 436 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $9,206,320 | 773 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,468,000 | 1,389 |
| Total interest expense | $2,178,000 | 3,268 |
| Net interest income | $15,290,000 | 1,038 |
| Provision for loan and lease losses | $-625,000 | 8,787 |
| Total noninterest income | $2,252,000 | 1,601 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,079,000 | 1,220 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,173,000 | 1,610 |
| Total noninterest expense | $7,554,000 | 1,676 |
| Salaries and employee benefits | $4,280,000 | 1,621 |
| Premises and equipment expense | $1,054,000 | 1,729 |
| Additional noninterest expense | $2,220,000 | 1,688 |
| Pre-tax net operating income | $10,613,000 | 692 |
| Securities gains (losses) | $137,000 | 571 |
| Applicable income taxes | $3,867,000 | 631 |
| Income before extraordinary items | $6,883,000 | 783 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,883,000 | 784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,651 |
| Cash dividends | $6,772,000 | 379 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,795,320 | 776 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,437,000 | 1,380 |
| Total interest expense | $1,286,000 | 3,460 |
| Net interest income | $10,151,000 | 1,032 |
| Provision for loan and lease losses | $-425,000 | 8,797 |
| Total noninterest income | $1,475,000 | 1,621 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $717,000 | 1,188 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $758,000 | 1,642 |
| Total noninterest expense | $5,081,000 | 1,655 |
| Salaries and employee benefits | $2,861,000 | 1,613 |
| Premises and equipment expense | $707,000 | 1,698 |
| Additional noninterest expense | $1,513,000 | 1,633 |
| Pre-tax net operating income | $6,970,000 | 703 |
| Securities gains (losses) | $137,000 | 478 |
| Applicable income taxes | $2,547,000 | 634 |
| Income before extraordinary items | $4,560,000 | 779 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,560,000 | 779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $2,983,000 | 525 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,472,320 | 772 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,641,000 | 1,369 |
| Total interest expense | $596,000 | 3,518 |
| Net interest income | $5,045,000 | 1,030 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $707,000 | 1,630 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $364,000 | 1,139 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $343,000 | 1,719 |
| Total noninterest expense | $2,491,000 | 1,687 |
| Salaries and employee benefits | $1,317,000 | 1,752 |
| Premises and equipment expense | $372,000 | 1,628 |
| Additional noninterest expense | $802,000 | 1,548 |
| Pre-tax net operating income | $3,261,000 | 746 |
| Securities gains (losses) | $137,000 | 315 |
| Applicable income taxes | $1,211,000 | 660 |
| Income before extraordinary items | $2,187,000 | 802 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,187,000 | 803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,178 |
| Cash dividends | $1,537,000 | 457 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,099,320 | 814 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $22,446,000 | 1,256 |
| Total interest expense | $1,842,000 | 3,899 |
| Net interest income | $20,604,000 | 960 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,854,000 | 1,675 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,490,000 | 1,195 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,364,000 | 1,747 |
| Total noninterest expense | $9,657,000 | 1,681 |
| Salaries and employee benefits | $5,483,000 | 1,607 |
| Premises and equipment expense | $1,272,000 | 1,806 |
| Additional noninterest expense | $2,902,000 | 1,680 |
| Pre-tax net operating income | $13,801,000 | 655 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $4,802,000 | 618 |
| Income before extraordinary items | $8,999,000 | 741 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $8,999,000 | 742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,079 |
| Cash dividends | $7,015,000 | 464 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 818 |
| Net operating income | $8,999,000 | 708 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,701,000 | 1,250 |
| Total interest expense | $1,322,000 | 3,999 |
| Net interest income | $15,379,000 | 960 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,100,000 | 1,710 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,090,000 | 1,236 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,010,000 | 1,757 |
| Total noninterest expense | $7,167,000 | 1,676 |
| Salaries and employee benefits | $4,114,000 | 1,615 |
| Premises and equipment expense | $947,000 | 1,831 |
| Additional noninterest expense | $2,106,000 | 1,709 |
| Pre-tax net operating income | $10,312,000 | 669 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $3,572,000 | 633 |
| Income before extraordinary items | $6,740,000 | 750 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,740,000 | 751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,471 |
| Cash dividends | $5,428,000 | 427 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,740,000 | 720 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,041,000 | 1,250 |
| Total interest expense | $862,000 | 4,053 |
| Net interest income | $10,179,000 | 960 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,380,000 | 1,713 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $702,000 | 1,258 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $678,000 | 1,762 |
| Total noninterest expense | $4,768,000 | 1,687 |
| Salaries and employee benefits | $2,709,000 | 1,635 |
| Premises and equipment expense | $646,000 | 1,781 |
| Additional noninterest expense | $1,413,000 | 1,692 |
| Pre-tax net operating income | $6,791,000 | 669 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,339,000 | 638 |
| Income before extraordinary items | $4,452,000 | 747 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,452,000 | 747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,147 |
| Cash dividends | $3,821,000 | 414 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,452,000 | 709 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,514,000 | 1,257 |
| Total interest expense | $442,000 | 4,024 |
| Net interest income | $5,072,000 | 971 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $640,000 | 1,782 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $339,000 | 1,268 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $301,000 | 1,885 |
| Total noninterest expense | $2,384,000 | 1,705 |
| Salaries and employee benefits | $1,363,000 | 1,641 |
| Premises and equipment expense | $333,000 | 1,754 |
| Additional noninterest expense | $688,000 | 1,725 |
| Pre-tax net operating income | $3,328,000 | 670 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,141,000 | 663 |
| Income before extraordinary items | $2,187,000 | 763 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,187,000 | 763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $1,591,000 | 439 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,187,000 | 714 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,615,000 | 1,259 |
| Total interest expense | $2,143,000 | 3,804 |
| Net interest income | $20,472,000 | 936 |
| Provision for loan and lease losses | $165,000 | 4,406 |
| Total noninterest income | $2,487,000 | 1,959 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,283,000 | 1,344 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,204,000 | 2,119 |
| Total noninterest expense | $9,852,000 | 1,636 |
| Salaries and employee benefits | $5,522,000 | 1,561 |
| Premises and equipment expense | $1,420,000 | 1,604 |
| Additional noninterest expense | $2,910,000 | 1,670 |
| Pre-tax net operating income | $12,942,000 | 680 |
| Securities gains (losses) | $118,000 | 1,742 |
| Applicable income taxes | $4,455,000 | 678 |
| Income before extraordinary items | $8,605,000 | 763 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,605,000 | 765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,629 |
| Cash dividends | $9,939,000 | 385 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $8,527,120 | 714 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,022,000 | 1,281 |
| Total interest expense | $1,668,000 | 3,799 |
| Net interest income | $15,354,000 | 952 |
| Provision for loan and lease losses | $210,000 | 3,249 |
| Total noninterest income | $1,854,000 | 2,020 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $943,000 | 1,384 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $911,000 | 2,182 |
| Total noninterest expense | $7,372,000 | 1,642 |
| Salaries and employee benefits | $4,193,000 | 1,547 |
| Premises and equipment expense | $1,051,000 | 1,632 |
| Additional noninterest expense | $2,128,000 | 1,702 |
| Pre-tax net operating income | $9,626,000 | 709 |
| Securities gains (losses) | $118,000 | 1,597 |
| Applicable income taxes | $3,323,000 | 706 |
| Income before extraordinary items | $6,421,000 | 796 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,421,000 | 797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,091 |
| Cash dividends | $8,468,000 | 347 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,343,120 | 748 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,509,000 | 1,282 |
| Total interest expense | $1,185,000 | 3,706 |
| Net interest income | $10,324,000 | 943 |
| Provision for loan and lease losses | $210,000 | 2,412 |
| Total noninterest income | $1,205,000 | 2,055 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $608,000 | 1,410 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $597,000 | 2,199 |
| Total noninterest expense | $4,938,000 | 1,624 |
| Salaries and employee benefits | $2,776,000 | 1,552 |
| Premises and equipment expense | $734,000 | 1,557 |
| Additional noninterest expense | $1,428,000 | 1,689 |
| Pre-tax net operating income | $6,381,000 | 709 |
| Securities gains (losses) | $118,000 | 1,382 |
| Applicable income taxes | $2,179,000 | 722 |
| Income before extraordinary items | $4,320,000 | 788 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,320,000 | 789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 1,589 |
| Cash dividends | $3,116,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,242,120 | 736 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,825,000 | 1,273 |
| Total interest expense | $630,000 | 3,614 |
| Net interest income | $5,195,000 | 937 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $589,000 | 2,028 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $302,000 | 1,377 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $287,000 | 2,171 |
| Total noninterest expense | $2,528,000 | 1,577 |
| Salaries and employee benefits | $1,411,000 | 1,516 |
| Premises and equipment expense | $393,000 | 1,476 |
| Additional noninterest expense | $724,000 | 1,626 |
| Pre-tax net operating income | $3,151,000 | 726 |
| Securities gains (losses) | $118,000 | 910 |
| Applicable income taxes | $1,077,000 | 747 |
| Income before extraordinary items | $2,192,000 | 774 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,192,000 | 773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,284 |
| Cash dividends | $1,603,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,112,940 | 739 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,568,000 | 1,296 |
| Total interest expense | $3,312,000 | 3,254 |
| Net interest income | $20,256,000 | 952 |
| Provision for loan and lease losses | $405,000 | 2,800 |
| Total noninterest income | $2,574,000 | 1,758 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,218,000 | 1,339 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,356,000 | 1,784 |
| Total noninterest expense | $9,668,000 | 1,594 |
| Salaries and employee benefits | $5,485,000 | 1,479 |
| Premises and equipment expense | $1,345,000 | 1,634 |
| Additional noninterest expense | $2,838,000 | 1,653 |
| Pre-tax net operating income | $12,757,000 | 687 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $4,260,000 | 687 |
| Income before extraordinary items | $8,497,000 | 747 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,497,000 | 748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,151 |
| Cash dividends | $5,988,000 | 540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $8,497,000 | 713 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,522,000 | 1,382 |
| Total interest expense | $5,809,000 | 2,752 |
| Net interest income | $18,713,000 | 957 |
| Provision for loan and lease losses | $400,000 | 2,609 |
| Total noninterest income | $2,482,000 | 1,695 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,141,000 | 1,311 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,341,000 | 1,668 |
| Total noninterest expense | $9,534,000 | 1,537 |
| Salaries and employee benefits | $5,118,000 | 1,482 |
| Premises and equipment expense | $1,310,000 | 1,648 |
| Additional noninterest expense | $3,106,000 | 1,500 |
| Pre-tax net operating income | $11,261,000 | 686 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,686,000 | 701 |
| Income before extraordinary items | $7,575,000 | 741 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $7,575,000 | 742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,942 |
| Cash dividends | $5,187,000 | 595 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $7,575,000 | 708 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,196,000 | 1,438 |
| Total interest expense | $6,917,000 | 2,431 |
| Net interest income | $17,279,000 | 1,010 |
| Provision for loan and lease losses | $262,000 | 3,137 |
| Total noninterest income | $2,326,000 | 1,673 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,014,000 | 1,343 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,312,000 | 1,548 |
| Total noninterest expense | $9,127,000 | 1,533 |
| Salaries and employee benefits | $4,966,000 | 1,426 |
| Premises and equipment expense | $1,210,000 | 1,725 |
| Additional noninterest expense | $2,951,000 | 1,516 |
| Pre-tax net operating income | $10,216,000 | 765 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $3,367,000 | 752 |
| Income before extraordinary items | $6,849,000 | 794 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,849,000 | 794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,693 |
| Cash dividends | $4,868,000 | 643 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,849,000 | 794 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $23,050,000 | 1,416 |
| Total interest expense | $6,285,000 | 2,336 |
| Net interest income | $16,765,000 | 1,043 |
| Provision for loan and lease losses | $910,000 | 1,054 |
| Total noninterest income | $2,253,000 | 1,702 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $991,000 | 1,323 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,262,000 | 1,579 |
| Total noninterest expense | $9,000,000 | 1,546 |
| Salaries and employee benefits | $4,830,000 | 1,429 |
| Premises and equipment expense | $1,304,000 | 1,567 |
| Additional noninterest expense | $2,866,000 | 1,563 |
| Pre-tax net operating income | $9,108,000 | 903 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,978,000 | 889 |
| Income before extraordinary items | $6,130,000 | 917 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,130,000 | 917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,601 |
| Cash dividends | $4,213,000 | 743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $6,130,000 | 903 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $22,463,000 | 1,435 |
| Total interest expense | $6,874,000 | 2,204 |
| Net interest income | $15,589,000 | 1,084 |
| Provision for loan and lease losses | $1,113,000 | 883 |
| Total noninterest income | $1,909,000 | 1,901 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $869,000 | 1,443 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,040,000 | 1,798 |
| Total noninterest expense | $8,904,000 | 1,488 |
| Salaries and employee benefits | $4,799,000 | 1,369 |
| Premises and equipment expense | $1,391,000 | 1,403 |
| Additional noninterest expense | $2,714,000 | 1,588 |
| Pre-tax net operating income | $7,481,000 | 1,024 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,493,000 | 1,023 |
| Income before extraordinary items | $4,988,000 | 1,081 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,988,000 | 1,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $952,000 | 784 |
| Cash dividends | $3,395,000 | 892 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,988,000 | 1,039 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,814,000 | 1,507 |
| Total interest expense | $6,531,000 | 2,298 |
| Net interest income | $15,283,000 | 1,152 |
| Provision for loan and lease losses | $411,000 | 2,055 |
| Total noninterest income | $1,768,000 | 1,950 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $854,000 | 1,516 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $914,000 | 1,840 |
| Total noninterest expense | $8,639,000 | 1,521 |
| Salaries and employee benefits | $4,750,000 | 1,381 |
| Premises and equipment expense | $1,361,000 | 1,436 |
| Additional noninterest expense | $2,528,000 | 1,678 |
| Pre-tax net operating income | $8,001,000 | 1,027 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,715,000 | 1,020 |
| Income before extraordinary items | $5,286,000 | 1,043 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,286,000 | 1,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $379,000 | 1,663 |
| Cash dividends | $3,732,000 | 797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,286,000 | 1,015 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,159,000 | 1,588 |
| Total interest expense | $6,325,000 | 2,439 |
| Net interest income | $14,834,000 | 1,210 |
| Provision for loan and lease losses | $320,000 | 2,449 |
| Total noninterest income | $1,662,000 | 2,132 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $851,000 | 1,574 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $811,000 | 2,090 |
| Total noninterest expense | $8,499,000 | 1,673 |
| Salaries and employee benefits | $4,726,000 | 1,418 |
| Premises and equipment expense | $1,371,000 | 1,478 |
| Additional noninterest expense | $2,402,000 | 2,080 |
| Pre-tax net operating income | $7,677,000 | 989 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,662,000 | 960 |
| Income before extraordinary items | $5,015,000 | 1,044 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,015,000 | 1,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 2,260 |
| Cash dividends | $3,499,000 | 854 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,015,000 | 1,027 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,856,000 | 1,710 |
| Total interest expense | $6,255,000 | 2,459 |
| Net interest income | $13,601,000 | 1,320 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $1,574,000 | 2,213 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $808,000 | 1,669 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $766,000 | 2,176 |
| Total noninterest expense | $8,155,000 | 1,722 |
| Salaries and employee benefits | $4,574,000 | 1,449 |
| Premises and equipment expense | $1,052,000 | 1,938 |
| Additional noninterest expense | $2,529,000 | 1,976 |
| Pre-tax net operating income | $6,780,000 | 1,146 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,382,000 | 1,085 |
| Income before extraordinary items | $4,398,000 | 1,209 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,398,000 | 1,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,418 |
| Cash dividends | $2,124,000 | 1,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,398,000 | 1,181 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,169,000 | 1,695 |
| Total interest expense | $5,410,000 | 2,292 |
| Net interest income | $12,759,000 | 1,406 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $1,572,000 | 2,214 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $813,000 | 1,663 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $759,000 | 2,206 |
| Total noninterest expense | $8,370,000 | 1,744 |
| Salaries and employee benefits | $4,246,000 | 1,576 |
| Premises and equipment expense | $1,273,000 | 1,623 |
| Additional noninterest expense | $2,851,000 | 1,896 |
| Pre-tax net operating income | $5,781,000 | 1,290 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,068,000 | 1,175 |
| Income before extraordinary items | $3,713,000 | 1,346 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,713,000 | 1,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,684 |
| Cash dividends | $1,480,000 | 1,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,713,000 | 1,361 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,367,000 | 1,802 |
| Total interest expense | $5,375,000 | 2,404 |
| Net interest income | $11,992,000 | 1,505 |
| Provision for loan and lease losses | $440,000 | 2,303 |
| Total noninterest income | $1,232,000 | 2,851 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $853,000 | 1,608 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $379,000 | 3,896 |
| Total noninterest expense | $7,422,000 | 1,982 |
| Salaries and employee benefits | $3,882,000 | 1,733 |
| Premises and equipment expense | $1,147,000 | 1,824 |
| Additional noninterest expense | $2,393,000 | 2,336 |
| Pre-tax net operating income | $5,362,000 | 1,301 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,047,000 | 1,188 |
| Income before extraordinary items | $3,315,000 | 1,535 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,315,000 | 1,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,582 |
| Cash dividends | $1,303,000 | 1,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,315,000 | 1,443 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,019,000 | 1,973 |
| Total interest expense | $6,426,000 | 2,623 |
| Net interest income | $11,593,000 | 1,601 |
| Provision for loan and lease losses | $558,000 | 2,770 |
| Total noninterest income | $1,235,000 | 2,801 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $870,000 | 1,555 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $365,000 | 3,923 |
| Total noninterest expense | $7,459,000 | 1,982 |
| Salaries and employee benefits | $3,791,000 | 1,762 |
| Premises and equipment expense | $1,160,000 | 1,818 |
| Additional noninterest expense | $2,508,000 | 2,315 |
| Pre-tax net operating income | $4,811,000 | 1,323 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,754,000 | 1,261 |
| Income before extraordinary items | $3,057,000 | 1,515 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,057,000 | 1,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 4,326 |
| Cash dividends | $1,228,000 | 1,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,057,000 | 1,408 |
* 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.