Home > The Bank of Navasota > Income and Expense
The Bank of Navasota, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 6,100 |
| Total interest expense | $625,000 | 6,828 |
| Net interest income | $1,559,000 | 5,459 |
| Provision for loan and lease losses | $61,000 | 3,977 |
| Total noninterest income | $324,000 | 4,493 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $236,000 | 3,140 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $88,000 | 5,345 |
| Total noninterest expense | $1,176,000 | 5,787 |
| Salaries and employee benefits | $633,000 | 5,841 |
| Premises and equipment expense | $119,000 | 6,393 |
| Additional noninterest expense | $424,000 | 5,096 |
| Pre-tax net operating income | $646,000 | 4,492 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $191,000 | 3,331 |
| Income before extraordinary items | $455,000 | 4,783 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $455,000 | 4,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,902 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $455,000 | 4,781 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,096,000 | 6,098 |
| Total interest expense | $310,000 | 6,848 |
| Net interest income | $786,000 | 5,440 |
| Provision for loan and lease losses | $61,000 | 2,735 |
| Total noninterest income | $161,000 | 4,461 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $120,000 | 3,069 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $41,000 | 5,473 |
| Total noninterest expense | $575,000 | 5,871 |
| Salaries and employee benefits | $313,000 | 5,915 |
| Premises and equipment expense | $70,000 | 6,029 |
| Additional noninterest expense | $192,000 | 5,396 |
| Pre-tax net operating income | $311,000 | 4,575 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $90,000 | 3,414 |
| Income before extraordinary items | $221,000 | 4,834 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $221,000 | 4,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,253 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $221,000 | 4,805 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,485,000 | 5,842 |
| Total interest expense | $1,130,000 | 6,698 |
| Net interest income | $3,355,000 | 5,191 |
| Provision for loan and lease losses | $200,000 | 3,517 |
| Total noninterest income | $784,000 | 4,110 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $590,000 | 2,722 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $194,000 | 5,176 |
| Total noninterest expense | $2,325,000 | 5,708 |
| Salaries and employee benefits | $1,270,000 | 5,725 |
| Premises and equipment expense | $254,000 | 6,176 |
| Additional noninterest expense | $801,000 | 5,229 |
| Pre-tax net operating income | $1,614,000 | 4,141 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $483,000 | 3,201 |
| Income before extraordinary items | $1,131,000 | 4,414 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,131,000 | 4,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,736 |
| Cash dividends | $415,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,131,000 | 4,395 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,352,000 | 5,862 |
| Total interest expense | $822,000 | 6,739 |
| Net interest income | $2,530,000 | 5,221 |
| Provision for loan and lease losses | $170,000 | 3,189 |
| Total noninterest income | $603,000 | 4,046 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $446,000 | 2,706 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $157,000 | 5,043 |
| Total noninterest expense | $1,738,000 | 5,701 |
| Salaries and employee benefits | $965,000 | 5,655 |
| Premises and equipment expense | $190,000 | 6,212 |
| Additional noninterest expense | $583,000 | 5,301 |
| Pre-tax net operating income | $1,225,000 | 4,250 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $367,000 | 3,298 |
| Income before extraordinary items | $858,000 | 4,541 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $858,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 1,602 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $858,000 | 4,525 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,205,000 | 5,873 |
| Total interest expense | $525,000 | 6,752 |
| Net interest income | $1,680,000 | 5,258 |
| Provision for loan and lease losses | $115,000 | 3,144 |
| Total noninterest income | $395,000 | 4,069 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $281,000 | 2,801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $114,000 | 4,856 |
| Total noninterest expense | $1,167,000 | 5,700 |
| Salaries and employee benefits | $665,000 | 5,591 |
| Premises and equipment expense | $122,000 | 6,308 |
| Additional noninterest expense | $380,000 | 5,383 |
| Pre-tax net operating income | $793,000 | 4,345 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $237,000 | 3,397 |
| Income before extraordinary items | $556,000 | 4,618 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $556,000 | 4,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 1,554 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $556,000 | 4,609 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,094,000 | 5,856 |
| Total interest expense | $248,000 | 6,792 |
| Net interest income | $846,000 | 5,242 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $176,000 | 4,262 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $125,000 | 2,993 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,080 |
| Total noninterest expense | $583,000 | 5,713 |
| Salaries and employee benefits | $330,000 | 5,643 |
| Premises and equipment expense | $62,000 | 6,285 |
| Additional noninterest expense | $191,000 | 5,329 |
| Pre-tax net operating income | $414,000 | 4,201 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $125,000 | 3,281 |
| Income before extraordinary items | $289,000 | 4,513 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $289,000 | 4,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,457 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $289,000 | 4,495 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 5,889 |
| Total interest expense | $820,000 | 6,722 |
| Net interest income | $3,088,000 | 5,414 |
| Provision for loan and lease losses | $240,000 | 3,239 |
| Total noninterest income | $668,000 | 4,517 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $509,000 | 3,020 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $159,000 | 5,623 |
| Total noninterest expense | $2,357,000 | 5,566 |
| Salaries and employee benefits | $1,342,000 | 5,431 |
| Premises and equipment expense | $256,000 | 6,148 |
| Additional noninterest expense | $759,000 | 5,336 |
| Pre-tax net operating income | $1,159,000 | 4,981 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $320,000 | 4,051 |
| Income before extraordinary items | $839,000 | 5,234 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $839,000 | 5,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,619 |
| Cash dividends | $332,000 | 4,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $839,000 | 5,205 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,815,000 | 5,979 |
| Total interest expense | $576,000 | 6,804 |
| Net interest income | $2,239,000 | 5,538 |
| Provision for loan and lease losses | $175,000 | 3,250 |
| Total noninterest income | $493,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $381,000 | 3,022 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $112,000 | 5,746 |
| Total noninterest expense | $1,771,000 | 5,532 |
| Salaries and employee benefits | $1,015,000 | 5,370 |
| Premises and equipment expense | $190,000 | 6,160 |
| Additional noninterest expense | $566,000 | 5,300 |
| Pre-tax net operating income | $786,000 | 5,371 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $210,000 | 4,337 |
| Income before extraordinary items | $576,000 | 5,559 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $576,000 | 5,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,563 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $576,000 | 5,520 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,825,000 | 6,004 |
| Total interest expense | $357,000 | 6,859 |
| Net interest income | $1,468,000 | 5,565 |
| Provision for loan and lease losses | $75,000 | 3,815 |
| Total noninterest income | $317,000 | 4,647 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $238,000 | 3,114 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $79,000 | 5,647 |
| Total noninterest expense | $1,190,000 | 5,503 |
| Salaries and employee benefits | $691,000 | 5,281 |
| Premises and equipment expense | $141,000 | 5,896 |
| Additional noninterest expense | $358,000 | 5,451 |
| Pre-tax net operating income | $520,000 | 5,383 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $139,000 | 4,363 |
| Income before extraordinary items | $381,000 | 5,560 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $381,000 | 5,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,194 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $381,000 | 5,513 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $898,000 | 6,056 |
| Total interest expense | $168,000 | 6,944 |
| Net interest income | $730,000 | 5,613 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $156,000 | 4,610 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $117,000 | 3,099 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $39,000 | 5,696 |
| Total noninterest expense | $594,000 | 5,543 |
| Salaries and employee benefits | $342,000 | 5,371 |
| Premises and equipment expense | $62,000 | 6,259 |
| Additional noninterest expense | $190,000 | 5,263 |
| Pre-tax net operating income | $217,000 | 5,779 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $56,000 | 4,620 |
| Income before extraordinary items | $161,000 | 5,952 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $161,000 | 5,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,643 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $161,000 | 5,915 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,438,000 | 6,022 |
| Total interest expense | $640,000 | 6,811 |
| Net interest income | $2,798,000 | 5,639 |
| Provision for loan and lease losses | $370,000 | 2,512 |
| Total noninterest income | $721,000 | 4,314 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $580,000 | 2,781 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $141,000 | 5,805 |
| Total noninterest expense | $2,147,000 | 5,781 |
| Salaries and employee benefits | $1,199,000 | 5,695 |
| Premises and equipment expense | $242,000 | 6,282 |
| Additional noninterest expense | $706,000 | 5,501 |
| Pre-tax net operating income | $1,002,000 | 5,231 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $247,000 | 4,472 |
| Income before extraordinary items | $755,000 | 5,404 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $755,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 1,784 |
| Cash dividends | $274,000 | 4,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $755,000 | 5,327 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,561,000 | 6,050 |
| Total interest expense | $475,000 | 6,825 |
| Net interest income | $2,086,000 | 5,654 |
| Provision for loan and lease losses | $150,000 | 3,509 |
| Total noninterest income | $558,000 | 4,265 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $437,000 | 2,785 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $121,000 | 5,552 |
| Total noninterest expense | $1,553,000 | 5,856 |
| Salaries and employee benefits | $876,000 | 5,736 |
| Premises and equipment expense | $178,000 | 6,308 |
| Additional noninterest expense | $499,000 | 5,644 |
| Pre-tax net operating income | $941,000 | 4,749 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $248,000 | 4,103 |
| Income before extraordinary items | $693,000 | 4,982 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $693,000 | 4,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,875 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $693,000 | 4,893 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,692,000 | 6,083 |
| Total interest expense | $318,000 | 6,852 |
| Net interest income | $1,374,000 | 5,691 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $369,000 | 4,296 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $283,000 | 2,841 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $86,000 | 5,466 |
| Total noninterest expense | $1,011,000 | 5,961 |
| Salaries and employee benefits | $569,000 | 5,854 |
| Premises and equipment expense | $119,000 | 6,333 |
| Additional noninterest expense | $323,000 | 5,746 |
| Pre-tax net operating income | $632,000 | 4,699 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $165,000 | 4,094 |
| Income before extraordinary items | $467,000 | 4,912 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $467,000 | 4,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,185 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $467,000 | 4,817 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $838,000 | 6,126 |
| Total interest expense | $162,000 | 6,864 |
| Net interest income | $676,000 | 5,747 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $176,000 | 4,381 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $136,000 | 2,882 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $40,000 | 5,560 |
| Total noninterest expense | $489,000 | 6,113 |
| Salaries and employee benefits | $273,000 | 6,035 |
| Premises and equipment expense | $44,000 | 7,051 |
| Additional noninterest expense | $172,000 | 5,571 |
| Pre-tax net operating income | $363,000 | 4,328 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $96,000 | 3,852 |
| Income before extraordinary items | $267,000 | 4,581 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $267,000 | 4,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 2,238 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $267,000 | 4,448 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 6,190 |
| Total interest expense | $755,000 | 6,856 |
| Net interest income | $2,570,000 | 5,810 |
| Provision for loan and lease losses | $450,000 | 2,353 |
| Total noninterest income | $679,000 | 4,637 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $538,000 | 2,929 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $141,000 | 5,934 |
| Total noninterest expense | $1,867,000 | 6,216 |
| Salaries and employee benefits | $1,018,000 | 6,200 |
| Premises and equipment expense | $210,000 | 6,664 |
| Additional noninterest expense | $639,000 | 5,783 |
| Pre-tax net operating income | $932,000 | 5,346 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $221,000 | 4,779 |
| Income before extraordinary items | $713,000 | 5,529 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $713,000 | 5,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,683 |
| Cash dividends | $290,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $711,480 | 5,378 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,503,000 | 6,250 |
| Total interest expense | $588,000 | 6,901 |
| Net interest income | $1,915,000 | 5,862 |
| Provision for loan and lease losses | $350,000 | 2,253 |
| Total noninterest income | $491,000 | 4,788 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $404,000 | 2,929 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 6,329 |
| Total noninterest expense | $1,389,000 | 6,203 |
| Salaries and employee benefits | $754,000 | 6,219 |
| Premises and equipment expense | $150,000 | 6,787 |
| Additional noninterest expense | $485,000 | 5,735 |
| Pre-tax net operating income | $667,000 | 5,629 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $153,000 | 5,059 |
| Income before extraordinary items | $515,000 | 5,781 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $515,000 | 5,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,319 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $514,230 | 5,611 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,670,000 | 6,285 |
| Total interest expense | $406,000 | 6,942 |
| Net interest income | $1,264,000 | 5,894 |
| Provision for loan and lease losses | $200,000 | 2,502 |
| Total noninterest income | $315,000 | 4,864 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $255,000 | 3,019 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $60,000 | 6,260 |
| Total noninterest expense | $914,000 | 6,286 |
| Salaries and employee benefits | $500,000 | 6,264 |
| Premises and equipment expense | $99,000 | 6,790 |
| Additional noninterest expense | $315,000 | 5,814 |
| Pre-tax net operating income | $465,000 | 5,495 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $108,000 | 5,017 |
| Income before extraordinary items | $358,000 | 5,669 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $358,000 | 5,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 2,139 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $357,230 | 5,470 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $828,000 | 6,352 |
| Total interest expense | $209,000 | 6,956 |
| Net interest income | $619,000 | 5,960 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $155,000 | 4,810 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $117,000 | 3,150 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 5,786 |
| Total noninterest expense | $448,000 | 6,351 |
| Salaries and employee benefits | $247,000 | 6,294 |
| Premises and equipment expense | $50,000 | 6,781 |
| Additional noninterest expense | $151,000 | 5,912 |
| Pre-tax net operating income | $276,000 | 5,002 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $69,000 | 4,613 |
| Income before extraordinary items | $208,000 | 5,226 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $208,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $207,250 | 5,046 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,393,000 | 6,446 |
| Total interest expense | $1,056,000 | 6,780 |
| Net interest income | $2,337,000 | 6,120 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $641,000 | 4,556 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $514,000 | 2,905 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $127,000 | 5,948 |
| Total noninterest expense | $1,731,000 | 6,393 |
| Salaries and employee benefits | $933,000 | 6,384 |
| Premises and equipment expense | $186,000 | 6,955 |
| Additional noninterest expense | $612,000 | 5,854 |
| Pre-tax net operating income | $1,047,000 | 5,086 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $258,000 | 4,706 |
| Income before extraordinary items | $796,000 | 5,227 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $796,000 | 5,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,694 |
| Cash dividends | $290,000 | 4,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $790,680 | 5,101 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,727,000 | 6,563 |
| Total interest expense | $1,594,000 | 6,793 |
| Net interest income | $2,133,000 | 6,228 |
| Provision for loan and lease losses | $205,000 | 4,072 |
| Total noninterest income | $544,000 | 4,830 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $420,000 | 3,254 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $124,000 | 5,927 |
| Total noninterest expense | $1,588,000 | 6,604 |
| Salaries and employee benefits | $856,000 | 6,557 |
| Premises and equipment expense | $173,000 | 7,171 |
| Additional noninterest expense | $559,000 | 6,106 |
| Pre-tax net operating income | $884,000 | 5,240 |
| Securities gains (losses) | $-9,000 | 9,278 |
| Applicable income taxes | $194,000 | 5,086 |
| Income before extraordinary items | $681,000 | 5,296 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $681,000 | 5,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,614 |
| Cash dividends | $265,000 | 4,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $688,020 | 5,154 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,677,000 | 6,757 |
| Total interest expense | $1,613,000 | 6,939 |
| Net interest income | $2,064,000 | 6,479 |
| Provision for loan and lease losses | $101,000 | 5,260 |
| Total noninterest income | $478,000 | 5,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $425,000 | 3,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 7,695 |
| Total noninterest expense | $1,409,000 | 6,979 |
| Salaries and employee benefits | $757,000 | 6,927 |
| Premises and equipment expense | $139,000 | 7,766 |
| Additional noninterest expense | $513,000 | 6,329 |
| Pre-tax net operating income | $1,032,000 | 5,176 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $261,000 | 4,889 |
| Income before extraordinary items | $771,000 | 5,151 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $771,000 | 5,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,073 |
| Cash dividends | $290,000 | 4,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $771,000 | 5,146 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,400,000 | 6,933 |
| Total interest expense | $1,483,000 | 7,025 |
| Net interest income | $1,917,000 | 6,794 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $503,000 | 4,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $416,000 | 3,117 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 6,949 |
| Total noninterest expense | $1,321,000 | 7,241 |
| Salaries and employee benefits | $700,000 | 7,237 |
| Premises and equipment expense | $137,000 | 7,887 |
| Additional noninterest expense | $484,000 | 6,633 |
| Pre-tax net operating income | $1,029,000 | 5,219 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $268,000 | 5,055 |
| Income before extraordinary items | $761,000 | 5,229 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $761,000 | 5,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,165 |
| Cash dividends | $290,000 | 4,629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $761,000 | 5,195 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,267,000 | 7,211 |
| Total interest expense | $1,499,000 | 7,193 |
| Net interest income | $1,768,000 | 7,124 |
| Provision for loan and lease losses | $67,000 | 5,949 |
| Total noninterest income | $443,000 | 5,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $388,000 | 3,217 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,990 |
| Total noninterest expense | $1,204,000 | 7,533 |
| Salaries and employee benefits | $610,000 | 7,702 |
| Premises and equipment expense | $87,000 | 8,995 |
| Additional noninterest expense | $507,000 | 6,377 |
| Pre-tax net operating income | $940,000 | 5,606 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $236,000 | 5,775 |
| Income before extraordinary items | $704,000 | 5,604 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $704,000 | 5,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,450 |
| Cash dividends | $274,000 | 4,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $704,000 | 5,486 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,082,000 | 7,657 |
| Total interest expense | $1,445,000 | 7,478 |
| Net interest income | $1,637,000 | 7,692 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $426,000 | 5,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $373,000 | 3,419 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,302 |
| Total noninterest expense | $1,139,000 | 7,878 |
| Salaries and employee benefits | $554,000 | 8,219 |
| Premises and equipment expense | $147,000 | 7,862 |
| Additional noninterest expense | $438,000 | 7,030 |
| Pre-tax net operating income | $874,000 | 6,236 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $219,000 | 6,631 |
| Income before extraordinary items | $655,000 | 6,091 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $655,000 | 6,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $249,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $655,000 | 6,048 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,894,000 | 8,141 |
| Total interest expense | $1,397,000 | 7,839 |
| Net interest income | $1,497,000 | 8,272 |
| Provision for loan and lease losses | $148,000 | 4,128 |
| Total noninterest income | $381,000 | 6,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 3,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,167 |
| Total noninterest expense | $1,083,000 | 8,387 |
| Salaries and employee benefits | $507,000 | 8,829 |
| Premises and equipment expense | $164,000 | 7,747 |
| Additional noninterest expense | $412,000 | 7,776 |
| Pre-tax net operating income | $647,000 | 7,196 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $141,000 | 8,010 |
| Income before extraordinary items | $506,000 | 6,862 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $506,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,696 |
| Cash dividends | $199,000 | 5,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $506,000 | 6,802 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,705,000 | 8,628 |
| Total interest expense | $1,343,000 | 8,135 |
| Net interest income | $1,362,000 | 8,899 |
| Provision for loan and lease losses | $-34,000 | 11,540 |
| Total noninterest income | $338,000 | 6,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,186 |
| Total noninterest expense | $1,064,000 | 8,705 |
| Salaries and employee benefits | $485,000 | 9,244 |
| Premises and equipment expense | $145,000 | 8,397 |
| Additional noninterest expense | $434,000 | 7,865 |
| Pre-tax net operating income | $670,000 | 7,477 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $144,000 | 8,373 |
| Income before extraordinary items | $526,000 | 7,054 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $526,000 | 7,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 11,160 |
| Cash dividends | $199,000 | 5,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $526,000 | 7,035 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,389,000 | 9,114 |
| Total interest expense | $1,054,000 | 8,465 |
| Net interest income | $1,335,000 | 9,354 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $294,000 | 7,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,825 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 10,859 |
| Total noninterest expense | $1,014,000 | 9,285 |
| Salaries and employee benefits | $456,000 | 9,781 |
| Premises and equipment expense | $146,000 | 8,661 |
| Additional noninterest expense | $412,000 | 8,705 |
| Pre-tax net operating income | $605,000 | 7,968 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $120,000 | 8,923 |
| Income before extraordinary items | $485,000 | 7,427 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $485,000 | 7,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $191,000 | 5,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $485,000 | 7,467 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,320,000 | 9,527 |
| Total interest expense | $1,056,000 | 8,859 |
| Net interest income | $1,264,000 | 9,854 |
| Provision for loan and lease losses | $-64,000 | 12,803 |
| Total noninterest income | $249,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,885 |
| Total noninterest expense | $1,013,000 | 9,676 |
| Salaries and employee benefits | $425,000 | 10,384 |
| Premises and equipment expense | $152,000 | 8,840 |
| Additional noninterest expense | $436,000 | 8,865 |
| Pre-tax net operating income | $564,000 | 8,198 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $113,000 | 9,447 |
| Income before extraordinary items | $451,000 | 7,967 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $451,000 | 8,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $166,000 | 5,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $451,000 | 7,702 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,530,000 | 9,859 |
| Total interest expense | $1,272,000 | 9,351 |
| Net interest income | $1,258,000 | 10,103 |
| Provision for loan and lease losses | $-6,000 | 13,450 |
| Total noninterest income | $250,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,796 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 11,113 |
| Total noninterest expense | $956,000 | 10,180 |
| Salaries and employee benefits | $384,000 | 11,048 |
| Premises and equipment expense | $161,000 | 8,809 |
| Additional noninterest expense | $411,000 | 9,431 |
| Pre-tax net operating income | $558,000 | 8,004 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $127,000 | 9,192 |
| Income before extraordinary items | $438,000 | 7,850 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $438,000 | 7,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 12,698 |
| Cash dividends | $124,000 | 6,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $432,540 | 7,551 |
* 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.