Home > The Bank of Spring Valley > Income and Expense
The Bank of Spring Valley, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,475,000 | 6,952 |
| Total interest expense | $539,000 | 7,105 |
| Net interest income | $936,000 | 6,730 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $128,000 | 6,426 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $75,000 | 5,454 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $53,000 | 6,185 |
| Total noninterest expense | $580,000 | 7,457 |
| Salaries and employee benefits | $299,000 | 7,576 |
| Premises and equipment expense | $61,000 | 7,545 |
| Additional noninterest expense | $220,000 | 6,888 |
| Pre-tax net operating income | $484,000 | 5,105 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $411,000 | 2,340 |
| Income before extraordinary items | $73,000 | 7,316 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $73,000 | 7,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,576 |
| Cash dividends | $590,000 | 2,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $73,000 | 7,304 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $742,000 | 6,960 |
| Total interest expense | $280,000 | 7,050 |
| Net interest income | $462,000 | 6,788 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $65,000 | 6,376 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $45,000 | 5,093 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $20,000 | 6,614 |
| Total noninterest expense | $277,000 | 7,570 |
| Salaries and employee benefits | $140,000 | 7,718 |
| Premises and equipment expense | $19,000 | 8,063 |
| Additional noninterest expense | $118,000 | 6,739 |
| Pre-tax net operating income | $250,000 | 5,050 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $15,000 | 5,100 |
| Income before extraordinary items | $235,000 | 4,706 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $235,000 | 4,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,927 |
| Cash dividends | $209,000 | 2,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $235,000 | 4,688 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $656,000 | 8,477 |
| Total interest expense | $219,000 | 8,390 |
| Net interest income | $437,000 | 8,466 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $45,000 | 8,244 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $28,000 | 7,181 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $17,000 | 8,067 |
| Total noninterest expense | $266,000 | 8,620 |
| Salaries and employee benefits | $167,000 | 8,587 |
| Premises and equipment expense | $19,000 | 8,590 |
| Additional noninterest expense | $80,000 | 8,603 |
| Pre-tax net operating income | $216,000 | 7,350 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $5,000 | 6,317 |
| Income before extraordinary items | $211,000 | 7,229 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $211,000 | 7,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $3,865,000 | 897 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $211,000 | 7,219 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,179,000 | 6,884 |
| Total interest expense | $685,000 | 7,100 |
| Net interest income | $1,494,000 | 6,634 |
| Provision for loan and lease losses | $10,000 | 6,330 |
| Total noninterest income | $177,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $108,000 | 5,666 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $69,000 | 6,456 |
| Total noninterest expense | $974,000 | 7,231 |
| Salaries and employee benefits | $722,000 | 6,503 |
| Premises and equipment expense | $73,000 | 7,866 |
| Additional noninterest expense | $179,000 | 7,943 |
| Pre-tax net operating income | $687,000 | 5,578 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $23,000 | 5,910 |
| Income before extraordinary items | $664,000 | 5,131 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $664,000 | 5,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,504 |
| Cash dividends | $1,345,000 | 1,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $664,000 | 5,122 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 6,907 |
| Total interest expense | $440,000 | 7,119 |
| Net interest income | $1,003,000 | 6,653 |
| Provision for loan and lease losses | $10,000 | 5,986 |
| Total noninterest income | $115,000 | 6,737 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $72,000 | 5,670 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $43,000 | 6,593 |
| Total noninterest expense | $547,000 | 7,604 |
| Salaries and employee benefits | $368,000 | 7,187 |
| Premises and equipment expense | $50,000 | 7,848 |
| Additional noninterest expense | $129,000 | 7,848 |
| Pre-tax net operating income | $561,000 | 5,151 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $16,000 | 5,921 |
| Income before extraordinary items | $545,000 | 4,672 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $545,000 | 4,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,346 |
| Cash dividends | $225,000 | 3,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $545,000 | 4,666 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $718,000 | 6,894 |
| Total interest expense | $218,000 | 7,061 |
| Net interest income | $500,000 | 6,683 |
| Provision for loan and lease losses | $4,000 | 5,752 |
| Total noninterest income | $59,000 | 6,658 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $33,000 | 5,757 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,300 |
| Total noninterest expense | $280,000 | 7,575 |
| Salaries and employee benefits | $180,000 | 7,256 |
| Premises and equipment expense | $26,000 | 7,811 |
| Additional noninterest expense | $74,000 | 7,635 |
| Pre-tax net operating income | $275,000 | 5,158 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $8,000 | 5,862 |
| Income before extraordinary items | $267,000 | 4,702 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $267,000 | 4,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 1,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $267,000 | 4,684 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,699,000 | 6,838 |
| Total interest expense | $672,000 | 7,125 |
| Net interest income | $2,027,000 | 6,605 |
| Provision for loan and lease losses | $15,000 | 6,626 |
| Total noninterest income | $241,000 | 6,745 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $152,000 | 5,600 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $89,000 | 6,588 |
| Total noninterest expense | $1,307,000 | 7,208 |
| Salaries and employee benefits | $931,000 | 6,546 |
| Premises and equipment expense | $105,000 | 7,810 |
| Additional noninterest expense | $271,000 | 7,803 |
| Pre-tax net operating income | $946,000 | 5,505 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $53,000 | 5,834 |
| Income before extraordinary items | $893,000 | 5,103 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $893,000 | 5,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,036 |
| Cash dividends | $1,300,000 | 2,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $893,000 | 5,061 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,020,000 | 6,845 |
| Total interest expense | $480,000 | 7,155 |
| Net interest income | $1,540,000 | 6,610 |
| Provision for loan and lease losses | $11,000 | 6,464 |
| Total noninterest income | $183,000 | 6,746 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $116,000 | 5,590 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $67,000 | 6,581 |
| Total noninterest expense | $784,000 | 7,656 |
| Salaries and employee benefits | $509,000 | 7,319 |
| Premises and equipment expense | $79,000 | 7,804 |
| Additional noninterest expense | $196,000 | 7,855 |
| Pre-tax net operating income | $928,000 | 4,962 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $39,000 | 5,953 |
| Income before extraordinary items | $889,000 | 4,487 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $889,000 | 4,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,463 |
| Cash dividends | $1,060,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $889,000 | 4,448 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,325,000 | 6,850 |
| Total interest expense | $304,000 | 7,163 |
| Net interest income | $1,021,000 | 6,612 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $121,000 | 6,731 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $77,000 | 5,561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $44,000 | 6,606 |
| Total noninterest expense | $520,000 | 7,666 |
| Salaries and employee benefits | $332,000 | 7,373 |
| Premises and equipment expense | $53,000 | 7,794 |
| Additional noninterest expense | $135,000 | 7,795 |
| Pre-tax net operating income | $616,000 | 4,945 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $26,000 | 5,957 |
| Income before extraordinary items | $590,000 | 4,461 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $590,000 | 4,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $660,000 | 1,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $590,000 | 4,410 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $659,000 | 6,882 |
| Total interest expense | $147,000 | 7,210 |
| Net interest income | $512,000 | 6,659 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $64,000 | 6,628 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $40,000 | 5,458 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $269,000 | 7,665 |
| Salaries and employee benefits | $154,000 | 7,601 |
| Premises and equipment expense | $26,000 | 7,883 |
| Additional noninterest expense | $89,000 | 7,384 |
| Pre-tax net operating income | $304,000 | 4,959 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $12,000 | 5,990 |
| Income before extraordinary items | $292,000 | 4,451 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $292,000 | 4,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $292,000 | 4,406 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,617,000 | 6,790 |
| Total interest expense | $619,000 | 6,877 |
| Net interest income | $1,998,000 | 6,628 |
| Provision for loan and lease losses | $39,000 | 6,213 |
| Total noninterest income | $246,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $144,000 | 5,867 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $102,000 | 6,384 |
| Total noninterest expense | $1,252,000 | 7,353 |
| Salaries and employee benefits | $858,000 | 6,768 |
| Premises and equipment expense | $127,000 | 7,619 |
| Additional noninterest expense | $267,000 | 7,885 |
| Pre-tax net operating income | $953,000 | 5,368 |
| Securities gains (losses) | $301,000 | 642 |
| Applicable income taxes | $9,000 | 6,781 |
| Income before extraordinary items | $1,245,000 | 4,115 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,245,000 | 4,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,912 |
| Cash dividends | $900,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $947,010 | 4,771 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,946,000 | 6,824 |
| Total interest expense | $468,000 | 6,864 |
| Net interest income | $1,478,000 | 6,669 |
| Provision for loan and lease losses | $17,000 | 6,493 |
| Total noninterest income | $181,000 | 6,873 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $111,000 | 5,858 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 6,544 |
| Total noninterest expense | $783,000 | 7,692 |
| Salaries and employee benefits | $486,000 | 7,411 |
| Premises and equipment expense | $89,000 | 7,729 |
| Additional noninterest expense | $208,000 | 7,841 |
| Pre-tax net operating income | $859,000 | 5,003 |
| Securities gains (losses) | $301,000 | 596 |
| Applicable income taxes | $7,000 | 6,881 |
| Income before extraordinary items | $1,153,000 | 3,641 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,153,000 | 3,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $700,000 | 2,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $855,010 | 4,354 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,290,000 | 6,867 |
| Total interest expense | $315,000 | 6,874 |
| Net interest income | $975,000 | 6,724 |
| Provision for loan and lease losses | $8,000 | 6,484 |
| Total noninterest income | $118,000 | 6,927 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $71,000 | 5,950 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $47,000 | 6,544 |
| Total noninterest expense | $526,000 | 7,721 |
| Salaries and employee benefits | $319,000 | 7,512 |
| Premises and equipment expense | $60,000 | 7,741 |
| Additional noninterest expense | $147,000 | 7,770 |
| Pre-tax net operating income | $559,000 | 5,012 |
| Securities gains (losses) | $301,000 | 483 |
| Applicable income taxes | $4,000 | 6,937 |
| Income before extraordinary items | $856,000 | 3,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $856,000 | 3,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $555,000 | 4,368 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $633,000 | 6,942 |
| Total interest expense | $159,000 | 6,916 |
| Net interest income | $474,000 | 6,841 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $60,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $34,000 | 5,974 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $290,000 | 7,576 |
| Salaries and employee benefits | $167,000 | 7,452 |
| Premises and equipment expense | $30,000 | 7,774 |
| Additional noninterest expense | $93,000 | 7,316 |
| Pre-tax net operating income | $241,000 | 5,377 |
| Securities gains (losses) | $271,000 | 408 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $510,000 | 2,898 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $510,000 | 2,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $239,000 | 4,747 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,829,000 | 6,710 |
| Total interest expense | $786,000 | 6,751 |
| Net interest income | $2,043,000 | 6,538 |
| Provision for loan and lease losses | $20,000 | 7,057 |
| Total noninterest income | $252,000 | 6,936 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $122,000 | 6,246 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $130,000 | 6,086 |
| Total noninterest expense | $1,235,000 | 7,404 |
| Salaries and employee benefits | $895,000 | 6,608 |
| Premises and equipment expense | $117,000 | 7,844 |
| Additional noninterest expense | $223,000 | 8,284 |
| Pre-tax net operating income | $1,040,000 | 5,070 |
| Securities gains (losses) | $115,000 | 1,765 |
| Applicable income taxes | $13,000 | 6,950 |
| Income before extraordinary items | $1,142,000 | 4,269 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,142,000 | 4,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,094 |
| Cash dividends | $875,000 | 2,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,028,150 | 4,396 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,130,000 | 6,784 |
| Total interest expense | $619,000 | 6,771 |
| Net interest income | $1,511,000 | 6,612 |
| Provision for loan and lease losses | $11,000 | 7,078 |
| Total noninterest income | $199,000 | 6,879 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $90,000 | 6,311 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $109,000 | 5,920 |
| Total noninterest expense | $797,000 | 7,743 |
| Salaries and employee benefits | $542,000 | 7,172 |
| Premises and equipment expense | $85,000 | 7,908 |
| Additional noninterest expense | $170,000 | 8,273 |
| Pre-tax net operating income | $902,000 | 4,821 |
| Securities gains (losses) | $115,000 | 1,623 |
| Applicable income taxes | $8,000 | 7,139 |
| Income before extraordinary items | $1,009,000 | 3,960 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,009,000 | 3,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $895,150 | 4,136 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 6,852 |
| Total interest expense | $438,000 | 6,748 |
| Net interest income | $975,000 | 6,712 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $144,000 | 6,722 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $61,000 | 6,283 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $83,000 | 5,662 |
| Total noninterest expense | $540,000 | 7,736 |
| Salaries and employee benefits | $365,000 | 7,180 |
| Premises and equipment expense | $58,000 | 7,874 |
| Additional noninterest expense | $117,000 | 8,208 |
| Pre-tax net operating income | $573,000 | 4,959 |
| Securities gains (losses) | $100,000 | 1,516 |
| Applicable income taxes | $5,000 | 7,181 |
| Income before extraordinary items | $668,000 | 3,993 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $668,000 | 3,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,572 |
| Cash dividends | $625,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $569,000 | 4,229 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $718,000 | 6,833 |
| Total interest expense | $228,000 | 6,734 |
| Net interest income | $490,000 | 6,705 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $72,000 | 6,663 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $31,000 | 6,193 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 5,651 |
| Total noninterest expense | $258,000 | 7,857 |
| Salaries and employee benefits | $163,000 | 7,504 |
| Premises and equipment expense | $28,000 | 7,948 |
| Additional noninterest expense | $67,000 | 8,027 |
| Pre-tax net operating income | $301,000 | 4,780 |
| Securities gains (losses) | $100,000 | 1,001 |
| Applicable income taxes | $4,000 | 6,977 |
| Income before extraordinary items | $397,000 | 3,472 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $397,000 | 3,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,613 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $298,000 | 4,067 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 6,430 |
| Total interest expense | $1,136,000 | 6,576 |
| Net interest income | $2,269,000 | 6,214 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $244,000 | 6,915 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $134,000 | 6,059 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $110,000 | 6,258 |
| Total noninterest expense | $1,195,000 | 7,476 |
| Salaries and employee benefits | $820,000 | 6,813 |
| Premises and equipment expense | $156,000 | 7,363 |
| Additional noninterest expense | $219,000 | 8,420 |
| Pre-tax net operating income | $1,288,000 | 4,516 |
| Securities gains (losses) | $-385,000 | 9,240 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $901,000 | 4,885 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $901,000 | 4,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,309 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,286,000 | 3,807 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,383,000 | 6,863 |
| Total interest expense | $1,468,000 | 7,045 |
| Net interest income | $1,915,000 | 6,571 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $197,000 | 7,335 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $143,000 | 5,895 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $54,000 | 7,574 |
| Total noninterest expense | $1,133,000 | 7,621 |
| Salaries and employee benefits | $834,000 | 6,639 |
| Premises and equipment expense | $131,000 | 7,839 |
| Additional noninterest expense | $168,000 | 8,922 |
| Pre-tax net operating income | $967,000 | 4,987 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,000 | 7,803 |
| Income before extraordinary items | $964,000 | 4,375 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $964,000 | 4,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,026 |
| Cash dividends | $725,000 | 2,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $964,000 | 4,263 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 7,009 |
| Total interest expense | $1,417,000 | 7,317 |
| Net interest income | $1,988,000 | 6,577 |
| Provision for loan and lease losses | $35,000 | 7,078 |
| Total noninterest income | $183,000 | 7,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,120 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,569 |
| Total noninterest expense | $1,024,000 | 7,949 |
| Salaries and employee benefits | $763,000 | 6,902 |
| Premises and equipment expense | $111,000 | 8,251 |
| Additional noninterest expense | $150,000 | 9,237 |
| Pre-tax net operating income | $1,112,000 | 4,967 |
| Securities gains (losses) | $13,000 | 1,082 |
| Applicable income taxes | $4,000 | 8,229 |
| Income before extraordinary items | $1,121,000 | 4,047 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,121,000 | 4,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,998 |
| Cash dividends | $690,000 | 2,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,108,000 | 4,078 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,324,000 | 7,017 |
| Total interest expense | $1,461,000 | 7,074 |
| Net interest income | $1,863,000 | 6,885 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $178,000 | 7,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,222 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,031 |
| Total noninterest expense | $1,003,000 | 8,121 |
| Salaries and employee benefits | $730,000 | 7,081 |
| Premises and equipment expense | $89,000 | 8,841 |
| Additional noninterest expense | $184,000 | 9,196 |
| Pre-tax net operating income | $978,000 | 5,376 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $30,000 | 8,004 |
| Income before extraordinary items | $948,000 | 4,588 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $948,000 | 4,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,687 |
| Cash dividends | $1,160,000 | 2,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $948,000 | 4,547 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,245,000 | 7,239 |
| Total interest expense | $1,461,000 | 7,284 |
| Net interest income | $1,784,000 | 7,086 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $197,000 | 7,618 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 6,365 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,421 |
| Total noninterest expense | $980,000 | 8,169 |
| Salaries and employee benefits | $694,000 | 7,217 |
| Premises and equipment expense | $98,000 | 8,759 |
| Additional noninterest expense | $188,000 | 9,257 |
| Pre-tax net operating income | $941,000 | 5,602 |
| Securities gains (losses) | $73,000 | 1,477 |
| Applicable income taxes | $115,000 | 7,315 |
| Income before extraordinary items | $899,000 | 4,830 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $899,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,414 |
| Cash dividends | $304,000 | 4,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $834,030 | 4,972 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,103,000 | 7,631 |
| Total interest expense | $1,435,000 | 7,501 |
| Net interest income | $1,668,000 | 7,620 |
| Provision for loan and lease losses | $95,000 | 5,292 |
| Total noninterest income | $194,000 | 7,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 6,415 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,127 |
| Total noninterest expense | $1,020,000 | 8,272 |
| Salaries and employee benefits | $700,000 | 7,318 |
| Premises and equipment expense | $99,000 | 8,988 |
| Additional noninterest expense | $221,000 | 9,163 |
| Pre-tax net operating income | $747,000 | 6,794 |
| Securities gains (losses) | $-11,000 | 10,082 |
| Applicable income taxes | $146,000 | 7,669 |
| Income before extraordinary items | $590,000 | 6,428 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $590,000 | 6,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,539 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $598,800 | 6,325 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,038,000 | 7,945 |
| Total interest expense | $1,444,000 | 7,713 |
| Net interest income | $1,594,000 | 8,041 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $197,000 | 8,278 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,815 |
| Total noninterest expense | $949,000 | 8,881 |
| Salaries and employee benefits | $669,000 | 7,723 |
| Premises and equipment expense | $95,000 | 9,426 |
| Additional noninterest expense | $185,000 | 10,110 |
| Pre-tax net operating income | $802,000 | 6,495 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $189,000 | 7,300 |
| Income before extraordinary items | $613,000 | 6,191 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $613,000 | 6,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $196,000 | 5,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $613,000 | 6,134 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,935,000 | 8,307 |
| Total interest expense | $1,438,000 | 7,862 |
| Net interest income | $1,497,000 | 8,542 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $161,000 | 9,123 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,663 |
| Total noninterest expense | $946,000 | 9,180 |
| Salaries and employee benefits | $657,000 | 8,010 |
| Premises and equipment expense | $81,000 | 10,165 |
| Additional noninterest expense | $208,000 | 10,322 |
| Pre-tax net operating income | $652,000 | 7,575 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $141,000 | 8,433 |
| Income before extraordinary items | $511,000 | 7,160 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $511,000 | 7,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $182,000 | 5,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $511,000 | 7,140 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,740,000 | 8,479 |
| Total interest expense | $1,105,000 | 8,275 |
| Net interest income | $1,635,000 | 8,496 |
| Provision for loan and lease losses | $110,000 | 4,343 |
| Total noninterest income | $165,000 | 9,413 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 7,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 9,719 |
| Total noninterest expense | $954,000 | 9,532 |
| Salaries and employee benefits | $618,000 | 8,496 |
| Premises and equipment expense | $107,000 | 9,803 |
| Additional noninterest expense | $229,000 | 10,782 |
| Pre-tax net operating income | $736,000 | 7,211 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $175,000 | 7,810 |
| Income before extraordinary items | $561,000 | 6,827 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $561,000 | 6,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,872 |
| Cash dividends | $196,000 | 5,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $561,000 | 6,877 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,854,000 | 8,578 |
| Total interest expense | $1,107,000 | 8,646 |
| Net interest income | $1,747,000 | 8,374 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $165,000 | 9,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,987 |
| Total noninterest expense | $1,016,000 | 9,663 |
| Salaries and employee benefits | $626,000 | 8,595 |
| Premises and equipment expense | $79,000 | 11,181 |
| Additional noninterest expense | $311,000 | 10,305 |
| Pre-tax net operating income | $836,000 | 6,638 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $282,000 | 6,308 |
| Income before extraordinary items | $554,000 | 7,121 |
| Extraordinary gains, net | $-94,000 | 12,900 |
| Net income | $460,000 | 8,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,984 |
| Cash dividends | $169,000 | 5,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $554,000 | 6,857 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,154,000 | 8,710 |
| Total interest expense | $1,470,000 | 8,601 |
| Net interest income | $1,684,000 | 8,702 |
| Provision for loan and lease losses | $170,000 | 5,731 |
| Total noninterest income | $172,000 | 9,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 7,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $934,000 | 10,288 |
| Salaries and employee benefits | $591,000 | 8,886 |
| Premises and equipment expense | $69,000 | 11,913 |
| Additional noninterest expense | $274,000 | 11,213 |
| Pre-tax net operating income | $752,000 | 6,817 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $224,000 | 7,109 |
| Income before extraordinary items | $528,000 | 7,101 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $528,000 | 7,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 5,139 |
| Cash dividends | $169,000 | 5,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $528,000 | 6,723 |
* 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.