Home > The Bank of Bradford > Income and Expense
The Bank of Bradford, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,559,000 | 7,364 |
| Total interest expense | $613,000 | 7,213 |
| Net interest income | $946,000 | 7,349 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $97,000 | 7,146 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $78,000 | 5,876 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $19,000 | 7,454 |
| Total noninterest expense | $760,000 | 7,550 |
| Salaries and employee benefits | $452,000 | 7,432 |
| Premises and equipment expense | $92,000 | 7,447 |
| Additional noninterest expense | $216,000 | 7,518 |
| Pre-tax net operating income | $283,000 | 5,703 |
| Securities gains (losses) | $5,000 | 2,631 |
| Applicable income taxes | $78,000 | 3,804 |
| Income before extraordinary items | $210,000 | 5,648 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $210,000 | 5,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,831 |
| Cash dividends | $3,600,000 | 619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $206,350 | 5,844 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,050,000 | 7,422 |
| Total interest expense | $423,000 | 7,279 |
| Net interest income | $627,000 | 7,395 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $66,000 | 7,200 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $53,000 | 5,861 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $13,000 | 7,530 |
| Total noninterest expense | $503,000 | 7,604 |
| Salaries and employee benefits | $302,000 | 7,502 |
| Premises and equipment expense | $58,000 | 7,553 |
| Additional noninterest expense | $143,000 | 7,579 |
| Pre-tax net operating income | $190,000 | 5,887 |
| Securities gains (losses) | $5,000 | 2,725 |
| Applicable income taxes | $65,000 | 3,850 |
| Income before extraordinary items | $130,000 | 6,122 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $130,000 | 6,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,731 |
| Cash dividends | $3,600,000 | 467 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $126,650 | 6,096 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 7,468 |
| Total interest expense | $219,000 | 7,352 |
| Net interest income | $315,000 | 7,428 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $31,000 | 7,280 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $24,000 | 5,995 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $7,000 | 7,488 |
| Total noninterest expense | $246,000 | 7,676 |
| Salaries and employee benefits | $151,000 | 7,542 |
| Premises and equipment expense | $28,000 | 7,609 |
| Additional noninterest expense | $67,000 | 7,671 |
| Pre-tax net operating income | $100,000 | 6,003 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $35,000 | 3,907 |
| Income before extraordinary items | $65,000 | 6,343 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $65,000 | 6,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,797 |
| Cash dividends | $3,600,000 | 247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $65,000 | 6,249 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,236,000 | 7,383 |
| Total interest expense | $860,000 | 7,395 |
| Net interest income | $1,376,000 | 7,281 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $152,000 | 7,115 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $124,000 | 5,710 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $28,000 | 7,593 |
| Total noninterest expense | $1,029,000 | 7,619 |
| Salaries and employee benefits | $616,000 | 7,497 |
| Premises and equipment expense | $118,000 | 7,570 |
| Additional noninterest expense | $295,000 | 7,557 |
| Pre-tax net operating income | $499,000 | 6,004 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $154,000 | 4,105 |
| Income before extraordinary items | $345,000 | 6,258 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $345,000 | 6,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,700 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $345,000 | 6,241 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,675,000 | 7,423 |
| Total interest expense | $638,000 | 7,447 |
| Net interest income | $1,037,000 | 7,322 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $116,000 | 7,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $94,000 | 5,726 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $22,000 | 7,602 |
| Total noninterest expense | $708,000 | 7,715 |
| Salaries and employee benefits | $427,000 | 7,603 |
| Premises and equipment expense | $85,000 | 7,593 |
| Additional noninterest expense | $196,000 | 7,698 |
| Pre-tax net operating income | $445,000 | 5,981 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $145,000 | 4,077 |
| Income before extraordinary items | $300,000 | 6,319 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $300,000 | 6,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,768 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $300,000 | 6,315 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 7,476 |
| Total interest expense | $416,000 | 7,510 |
| Net interest income | $700,000 | 7,356 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $77,000 | 7,175 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $60,000 | 5,817 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $17,000 | 7,522 |
| Total noninterest expense | $466,000 | 7,782 |
| Salaries and employee benefits | $283,000 | 7,665 |
| Premises and equipment expense | $59,000 | 7,585 |
| Additional noninterest expense | $124,000 | 7,802 |
| Pre-tax net operating income | $311,000 | 5,963 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $97,000 | 4,157 |
| Income before extraordinary items | $214,000 | 6,272 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $214,000 | 6,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,915 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $214,000 | 6,263 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $553,000 | 7,525 |
| Total interest expense | $205,000 | 7,543 |
| Net interest income | $348,000 | 7,403 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $37,000 | 7,221 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $27,000 | 5,944 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $10,000 | 7,401 |
| Total noninterest expense | $224,000 | 7,869 |
| Salaries and employee benefits | $140,000 | 7,718 |
| Premises and equipment expense | $30,000 | 7,598 |
| Additional noninterest expense | $54,000 | 8,004 |
| Pre-tax net operating income | $161,000 | 5,928 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $51,000 | 4,100 |
| Income before extraordinary items | $110,000 | 6,239 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $110,000 | 6,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $110,000 | 6,222 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,066,000 | 7,481 |
| Total interest expense | $756,000 | 7,415 |
| Net interest income | $1,310,000 | 7,432 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $151,000 | 7,299 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $120,000 | 5,903 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $31,000 | 7,671 |
| Total noninterest expense | $1,005,000 | 7,703 |
| Salaries and employee benefits | $598,000 | 7,600 |
| Premises and equipment expense | $168,000 | 7,058 |
| Additional noninterest expense | $239,000 | 7,911 |
| Pre-tax net operating income | $456,000 | 6,624 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $142,000 | 4,670 |
| Income before extraordinary items | $314,000 | 6,858 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $314,000 | 6,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,486 |
| Cash dividends | $289,000 | 4,536 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $314,000 | 6,861 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,515,000 | 7,568 |
| Total interest expense | $549,000 | 7,462 |
| Net interest income | $966,000 | 7,537 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $112,000 | 7,370 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $85,000 | 6,038 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,623 |
| Total noninterest expense | $689,000 | 7,839 |
| Salaries and employee benefits | $420,000 | 7,694 |
| Premises and equipment expense | $98,000 | 7,496 |
| Additional noninterest expense | $171,000 | 7,998 |
| Pre-tax net operating income | $389,000 | 6,654 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $131,000 | 4,642 |
| Income before extraordinary items | $258,000 | 6,934 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $258,000 | 6,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $258,000 | 6,937 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $972,000 | 7,649 |
| Total interest expense | $349,000 | 7,497 |
| Net interest income | $623,000 | 7,626 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $71,000 | 7,488 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $53,000 | 6,170 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 7,655 |
| Total noninterest expense | $456,000 | 7,880 |
| Salaries and employee benefits | $281,000 | 7,738 |
| Premises and equipment expense | $64,000 | 7,536 |
| Additional noninterest expense | $111,000 | 8,043 |
| Pre-tax net operating income | $238,000 | 6,834 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $81,000 | 4,767 |
| Income before extraordinary items | $157,000 | 7,101 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $157,000 | 7,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $157,000 | 7,112 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $456,000 | 7,755 |
| Total interest expense | $166,000 | 7,539 |
| Net interest income | $290,000 | 7,770 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $36,000 | 7,439 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,731 |
| Total noninterest expense | $240,000 | 7,810 |
| Salaries and employee benefits | $144,000 | 7,712 |
| Premises and equipment expense | $33,000 | 7,508 |
| Additional noninterest expense | $63,000 | 7,866 |
| Pre-tax net operating income | $86,000 | 7,233 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $26,000 | 5,161 |
| Income before extraordinary items | $60,000 | 7,363 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $60,000 | 7,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $60,000 | 7,371 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,618,000 | 7,781 |
| Total interest expense | $503,000 | 7,610 |
| Net interest income | $1,115,000 | 7,794 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $156,000 | 7,436 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $117,000 | 6,043 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $39,000 | 7,645 |
| Total noninterest expense | $1,031,000 | 7,697 |
| Salaries and employee benefits | $669,000 | 7,381 |
| Premises and equipment expense | $137,000 | 7,433 |
| Additional noninterest expense | $225,000 | 8,073 |
| Pre-tax net operating income | $240,000 | 7,588 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $56,000 | 5,792 |
| Income before extraordinary items | $184,000 | 7,656 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $184,000 | 7,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,206 |
| Cash dividends | $100,000 | 5,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $184,000 | 7,626 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,183,000 | 7,842 |
| Total interest expense | $352,000 | 7,671 |
| Net interest income | $831,000 | 7,849 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $117,000 | 7,468 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $86,000 | 6,113 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,617 |
| Total noninterest expense | $728,000 | 7,777 |
| Salaries and employee benefits | $470,000 | 7,501 |
| Premises and equipment expense | $93,000 | 7,583 |
| Additional noninterest expense | $165,000 | 8,106 |
| Pre-tax net operating income | $220,000 | 7,554 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $65,000 | 5,605 |
| Income before extraordinary items | $155,000 | 7,690 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $155,000 | 7,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $155,000 | 7,655 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $769,000 | 7,869 |
| Total interest expense | $218,000 | 7,727 |
| Net interest income | $551,000 | 7,864 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $77,000 | 7,470 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $54,000 | 6,184 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $23,000 | 7,491 |
| Total noninterest expense | $486,000 | 7,785 |
| Salaries and employee benefits | $311,000 | 7,524 |
| Premises and equipment expense | $62,000 | 7,574 |
| Additional noninterest expense | $113,000 | 8,060 |
| Pre-tax net operating income | $142,000 | 7,594 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $45,000 | 5,608 |
| Income before extraordinary items | $97,000 | 7,764 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $97,000 | 7,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $97,000 | 7,720 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $372,000 | 7,975 |
| Total interest expense | $102,000 | 7,805 |
| Net interest income | $270,000 | 7,965 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $42,000 | 7,346 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,179 |
| Total noninterest expense | $245,000 | 7,833 |
| Salaries and employee benefits | $152,000 | 7,636 |
| Premises and equipment expense | $31,000 | 7,653 |
| Additional noninterest expense | $62,000 | 7,991 |
| Pre-tax net operating income | $67,000 | 7,674 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $23,000 | 5,547 |
| Income before extraordinary items | $44,000 | 7,861 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $44,000 | 7,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $44,000 | 7,833 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,426,000 | 7,985 |
| Total interest expense | $337,000 | 7,931 |
| Net interest income | $1,089,000 | 7,903 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $161,000 | 7,498 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $126,000 | 6,094 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $35,000 | 7,828 |
| Total noninterest expense | $959,000 | 7,900 |
| Salaries and employee benefits | $635,000 | 7,529 |
| Premises and equipment expense | $127,000 | 7,619 |
| Additional noninterest expense | $197,000 | 8,329 |
| Pre-tax net operating income | $291,000 | 7,469 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $91,000 | 5,608 |
| Income before extraordinary items | $200,000 | 7,651 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $200,000 | 7,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,144 |
| Cash dividends | $89,000 | 5,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $200,000 | 7,610 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 8,035 |
| Total interest expense | $248,000 | 7,987 |
| Net interest income | $810,000 | 7,944 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $126,000 | 7,492 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $99,000 | 6,071 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 7,817 |
| Total noninterest expense | $699,000 | 7,917 |
| Salaries and employee benefits | $445,000 | 7,636 |
| Premises and equipment expense | $94,000 | 7,640 |
| Additional noninterest expense | $160,000 | 8,240 |
| Pre-tax net operating income | $237,000 | 7,518 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $71,000 | 5,694 |
| Income before extraordinary items | $166,000 | 7,684 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $166,000 | 7,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $166,000 | 7,633 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $696,000 | 8,114 |
| Total interest expense | $165,000 | 8,062 |
| Net interest income | $531,000 | 8,009 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $85,000 | 7,498 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $67,000 | 6,054 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 7,850 |
| Total noninterest expense | $464,000 | 7,972 |
| Salaries and employee benefits | $294,000 | 7,716 |
| Premises and equipment expense | $63,000 | 7,651 |
| Additional noninterest expense | $107,000 | 8,267 |
| Pre-tax net operating income | $152,000 | 7,527 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $46,000 | 5,716 |
| Income before extraordinary items | $106,000 | 7,719 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $106,000 | 7,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $106,000 | 7,651 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $349,000 | 8,142 |
| Total interest expense | $84,000 | 8,109 |
| Net interest income | $265,000 | 8,053 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $42,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $11,000 | 7,645 |
| Total noninterest expense | $224,000 | 8,070 |
| Salaries and employee benefits | $145,000 | 7,771 |
| Premises and equipment expense | $31,000 | 7,720 |
| Additional noninterest expense | $48,000 | 8,446 |
| Pre-tax net operating income | $83,000 | 7,426 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $31,000 | 5,362 |
| Income before extraordinary items | $52,000 | 7,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 7,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $52,000 | 7,676 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 8,068 |
| Total interest expense | $440,000 | 7,976 |
| Net interest income | $1,066,000 | 8,012 |
| Provision for loan and lease losses | $2,000 | 7,605 |
| Total noninterest income | $180,000 | 7,523 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $148,000 | 5,881 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $32,000 | 8,051 |
| Total noninterest expense | $941,000 | 8,007 |
| Salaries and employee benefits | $622,000 | 7,610 |
| Premises and equipment expense | $136,000 | 7,587 |
| Additional noninterest expense | $183,000 | 8,556 |
| Pre-tax net operating income | $303,000 | 7,423 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $88,000 | 5,852 |
| Income before extraordinary items | $215,000 | 7,699 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $215,000 | 7,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $84,000 | 5,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $215,000 | 7,565 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,154,000 | 8,130 |
| Total interest expense | $346,000 | 8,040 |
| Net interest income | $808,000 | 8,068 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $138,000 | 7,529 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $112,000 | 5,914 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $26,000 | 8,003 |
| Total noninterest expense | $668,000 | 8,091 |
| Salaries and employee benefits | $436,000 | 7,736 |
| Premises and equipment expense | $89,000 | 7,828 |
| Additional noninterest expense | $143,000 | 8,516 |
| Pre-tax net operating income | $278,000 | 7,293 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $90,000 | 5,682 |
| Income before extraordinary items | $188,000 | 7,663 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $188,000 | 7,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,128 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $188,000 | 7,514 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $796,000 | 8,135 |
| Total interest expense | $242,000 | 8,058 |
| Net interest income | $554,000 | 8,055 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $90,000 | 7,570 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $74,000 | 5,920 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $16,000 | 8,080 |
| Total noninterest expense | $437,000 | 8,157 |
| Salaries and employee benefits | $287,000 | 7,799 |
| Premises and equipment expense | $60,000 | 7,826 |
| Additional noninterest expense | $90,000 | 8,589 |
| Pre-tax net operating income | $207,000 | 7,151 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $73,000 | 5,513 |
| Income before extraordinary items | $134,000 | 7,620 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $134,000 | 7,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $134,000 | 7,435 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $411,000 | 8,127 |
| Total interest expense | $126,000 | 8,097 |
| Net interest income | $285,000 | 8,034 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $42,000 | 7,669 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 7,987 |
| Total noninterest expense | $218,000 | 8,188 |
| Salaries and employee benefits | $138,000 | 7,922 |
| Premises and equipment expense | $32,000 | 7,760 |
| Additional noninterest expense | $48,000 | 8,544 |
| Pre-tax net operating income | $109,000 | 7,056 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $37,000 | 5,499 |
| Income before extraordinary items | $72,000 | 7,440 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 7,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $72,000 | 7,288 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,879,000 | 7,993 |
| Total interest expense | $709,000 | 7,794 |
| Net interest income | $1,170,000 | 7,997 |
| Provision for loan and lease losses | $3,000 | 8,029 |
| Total noninterest income | $140,000 | 7,936 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $109,000 | 6,431 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $887,000 | 8,179 |
| Salaries and employee benefits | $562,000 | 7,878 |
| Premises and equipment expense | $136,000 | 7,636 |
| Additional noninterest expense | $189,000 | 8,631 |
| Pre-tax net operating income | $420,000 | 7,077 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $139,000 | 5,615 |
| Income before extraordinary items | $281,000 | 7,417 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $281,000 | 7,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,753 |
| Cash dividends | $79,000 | 5,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $281,000 | 7,313 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,424,000 | 7,829 |
| Total interest expense | $1,304,000 | 7,398 |
| Net interest income | $1,120,000 | 8,044 |
| Provision for loan and lease losses | $25,000 | 7,375 |
| Total noninterest income | $154,000 | 7,802 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $110,000 | 6,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $44,000 | 7,857 |
| Total noninterest expense | $843,000 | 8,351 |
| Salaries and employee benefits | $529,000 | 8,032 |
| Premises and equipment expense | $124,000 | 7,941 |
| Additional noninterest expense | $190,000 | 8,739 |
| Pre-tax net operating income | $406,000 | 6,952 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $130,000 | 5,658 |
| Income before extraordinary items | $276,000 | 7,273 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $276,000 | 7,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,555 |
| Cash dividends | $79,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $276,000 | 7,160 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,683,000 | 7,726 |
| Total interest expense | $1,405,000 | 7,344 |
| Net interest income | $1,278,000 | 7,913 |
| Provision for loan and lease losses | $25,000 | 7,386 |
| Total noninterest income | $153,000 | 7,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,322 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,200 |
| Total noninterest expense | $823,000 | 8,505 |
| Salaries and employee benefits | $500,000 | 8,242 |
| Premises and equipment expense | $146,000 | 7,655 |
| Additional noninterest expense | $177,000 | 9,006 |
| Pre-tax net operating income | $583,000 | 6,649 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $206,000 | 5,328 |
| Income before extraordinary items | $377,000 | 6,996 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $377,000 | 6,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,877 |
| Cash dividends | $79,000 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $377,000 | 7,001 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,442,000 | 7,970 |
| Total interest expense | $1,272,000 | 7,468 |
| Net interest income | $1,170,000 | 8,261 |
| Provision for loan and lease losses | $25,000 | 7,415 |
| Total noninterest income | $153,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 6,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,376 |
| Total noninterest expense | $771,000 | 8,806 |
| Salaries and employee benefits | $451,000 | 8,614 |
| Premises and equipment expense | $143,000 | 7,784 |
| Additional noninterest expense | $177,000 | 9,262 |
| Pre-tax net operating income | $527,000 | 7,017 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $179,000 | 5,935 |
| Income before extraordinary items | $348,000 | 7,298 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $348,000 | 7,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $68,000 | 6,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $348,000 | 7,270 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,506,000 | 8,091 |
| Total interest expense | $1,309,000 | 7,645 |
| Net interest income | $1,197,000 | 8,332 |
| Provision for loan and lease losses | $20,000 | 7,729 |
| Total noninterest income | $151,000 | 8,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 6,731 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,384 |
| Total noninterest expense | $733,000 | 9,001 |
| Salaries and employee benefits | $415,000 | 8,876 |
| Premises and equipment expense | $148,000 | 7,696 |
| Additional noninterest expense | $170,000 | 9,462 |
| Pre-tax net operating income | $595,000 | 6,942 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $204,000 | 6,143 |
| Income before extraordinary items | $391,000 | 7,277 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $391,000 | 7,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $63,000 | 6,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $391,000 | 7,189 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,435,000 | 8,465 |
| Total interest expense | $1,258,000 | 7,958 |
| Net interest income | $1,177,000 | 8,740 |
| Provision for loan and lease losses | $20,000 | 7,880 |
| Total noninterest income | $145,000 | 8,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $686,000 | 9,432 |
| Salaries and employee benefits | $399,000 | 9,262 |
| Premises and equipment expense | $124,000 | 8,390 |
| Additional noninterest expense | $163,000 | 9,847 |
| Pre-tax net operating income | $616,000 | 7,342 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $226,000 | 6,550 |
| Income before extraordinary items | $390,000 | 7,712 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $390,000 | 7,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $63,000 | 7,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $390,000 | 7,655 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,311,000 | 8,965 |
| Total interest expense | $1,214,000 | 8,338 |
| Net interest income | $1,097,000 | 9,292 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $137,000 | 9,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 7,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $704,000 | 9,801 |
| Salaries and employee benefits | $390,000 | 9,667 |
| Premises and equipment expense | $122,000 | 8,752 |
| Additional noninterest expense | $192,000 | 10,029 |
| Pre-tax net operating income | $510,000 | 7,882 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $156,000 | 7,799 |
| Income before extraordinary items | $354,000 | 7,970 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $354,000 | 7,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $58,000 | 7,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $354,000 | 7,909 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,299,000 | 9,254 |
| Total interest expense | $1,215,000 | 8,544 |
| Net interest income | $1,084,000 | 9,669 |
| Provision for loan and lease losses | $25,000 | 7,325 |
| Total noninterest income | $132,000 | 9,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 9,820 |
| Total noninterest expense | $710,000 | 10,139 |
| Salaries and employee benefits | $373,000 | 10,144 |
| Premises and equipment expense | $127,000 | 8,867 |
| Additional noninterest expense | $210,000 | 10,303 |
| Pre-tax net operating income | $481,000 | 8,547 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $150,000 | 8,259 |
| Income before extraordinary items | $331,000 | 8,656 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $331,000 | 8,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $58,000 | 7,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $331,000 | 8,623 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,875,000 | 10,031 |
| Total interest expense | $900,000 | 9,131 |
| Net interest income | $975,000 | 10,475 |
| Provision for loan and lease losses | $9,000 | 8,587 |
| Total noninterest income | $139,000 | 9,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 8,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,081 |
| Total noninterest expense | $720,000 | 10,615 |
| Salaries and employee benefits | $350,000 | 10,739 |
| Premises and equipment expense | $136,000 | 8,926 |
| Additional noninterest expense | $234,000 | 10,716 |
| Pre-tax net operating income | $385,000 | 9,476 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $115,000 | 9,026 |
| Income before extraordinary items | $270,000 | 9,489 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $270,000 | 9,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $53,000 | 7,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $270,000 | 9,536 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,765,000 | 10,673 |
| Total interest expense | $835,000 | 9,859 |
| Net interest income | $930,000 | 11,031 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $129,000 | 10,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,733 |
| Total noninterest expense | $725,000 | 11,042 |
| Salaries and employee benefits | $363,000 | 11,014 |
| Premises and equipment expense | $133,000 | 9,383 |
| Additional noninterest expense | $229,000 | 11,340 |
| Pre-tax net operating income | $325,000 | 10,017 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $87,000 | 10,051 |
| Income before extraordinary items | $239,000 | 10,166 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $239,000 | 10,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $52,000 | 7,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $239,000 | 9,921 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,043,000 | 10,820 |
| Total interest expense | $1,069,000 | 10,100 |
| Net interest income | $974,000 | 11,200 |
| Provision for loan and lease losses | $17,000 | 10,772 |
| Total noninterest income | $122,000 | 11,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,897 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,488 |
| Total noninterest expense | $721,000 | 11,407 |
| Salaries and employee benefits | $352,000 | 11,414 |
| Premises and equipment expense | $139,000 | 9,430 |
| Additional noninterest expense | $230,000 | 11,810 |
| Pre-tax net operating income | $358,000 | 9,606 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $98,000 | 9,973 |
| Income before extraordinary items | $260,000 | 9,782 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $260,000 | 9,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 12,762 |
| Cash dividends | $53,000 | 7,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $260,000 | 9,412 |
* 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.