Home > The Belvidere National Bank and Trust Company > Income and Expense
The Belvidere National Bank and Trust Company, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,841,000 | 2,786 |
| Total interest expense | $2,863,000 | 2,826 |
| Net interest income | $3,978,000 | 2,718 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $2,628,000 | 1,065 |
| Gross Fiduciary activities income | $1,884,000 | 190 |
| Service charges on deposit accounts | $475,000 | 1,825 |
| Trading account gains and fees | $-13,000 | 8,352 |
| Additional Noninterest Income | $282,000 | 3,135 |
| Total noninterest expense | $4,885,000 | 1,960 |
| Salaries and employee benefits | $3,005,000 | 1,737 |
| Premises and equipment expense | $590,000 | 2,290 |
| Additional noninterest expense | $1,290,000 | 2,197 |
| Pre-tax net operating income | $1,691,000 | 1,961 |
| Securities gains (losses) | $38,000 | 1,635 |
| Applicable income taxes | $5,000 | 5,215 |
| Income before extraordinary items | $1,724,000 | 1,583 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,724,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,674 |
| Cash dividends | $4,000,000 | 406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,686,000 | 1,585 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,641,000 | 2,687 |
| Total interest expense | $1,528,000 | 2,835 |
| Net interest income | $2,113,000 | 2,582 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $1,285,000 | 1,081 |
| Gross Fiduciary activities income | $926,000 | 193 |
| Service charges on deposit accounts | $228,000 | 1,856 |
| Trading account gains and fees | $-9,000 | 8,417 |
| Additional Noninterest Income | $140,000 | 3,158 |
| Total noninterest expense | $2,435,000 | 1,969 |
| Salaries and employee benefits | $1,514,000 | 1,739 |
| Premises and equipment expense | $291,000 | 2,329 |
| Additional noninterest expense | $630,000 | 2,225 |
| Pre-tax net operating income | $933,000 | 1,904 |
| Securities gains (losses) | $38,000 | 1,241 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $967,000 | 1,543 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $967,000 | 1,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $4,000,000 | 217 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $929,000 | 1,543 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,423,000 | 2,795 |
| Total interest expense | $7,122,000 | 2,578 |
| Net interest income | $7,301,000 | 2,980 |
| Provision for loan and lease losses | $270,000 | 3,372 |
| Total noninterest income | $5,218,000 | 1,069 |
| Gross Fiduciary activities income | $3,874,000 | 185 |
| Service charges on deposit accounts | $900,000 | 1,924 |
| Trading account gains and fees | $-22,000 | 8,464 |
| Additional Noninterest Income | $466,000 | 3,439 |
| Total noninterest expense | $9,471,000 | 1,955 |
| Salaries and employee benefits | $5,730,000 | 1,765 |
| Premises and equipment expense | $1,124,000 | 2,316 |
| Additional noninterest expense | $2,617,000 | 2,094 |
| Pre-tax net operating income | $2,778,000 | 2,604 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $20,000 | 5,425 |
| Income before extraordinary items | $2,758,000 | 2,186 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,758,000 | 2,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,608 |
| Cash dividends | $4,520,000 | 807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,758,000 | 2,170 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,713,000 | 2,813 |
| Total interest expense | $5,369,000 | 2,567 |
| Net interest income | $5,344,000 | 3,053 |
| Provision for loan and lease losses | $90,000 | 4,255 |
| Total noninterest income | $3,838,000 | 1,079 |
| Gross Fiduciary activities income | $2,859,000 | 184 |
| Service charges on deposit accounts | $647,000 | 1,985 |
| Trading account gains and fees | $-17,000 | 8,497 |
| Additional Noninterest Income | $349,000 | 3,464 |
| Total noninterest expense | $7,119,000 | 1,927 |
| Salaries and employee benefits | $4,265,000 | 1,770 |
| Premises and equipment expense | $817,000 | 2,364 |
| Additional noninterest expense | $2,037,000 | 1,972 |
| Pre-tax net operating income | $1,973,000 | 2,867 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $14,000 | 5,621 |
| Income before extraordinary items | $1,959,000 | 2,415 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,959,000 | 2,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,250 |
| Cash dividends | $3,380,000 | 790 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,959,000 | 2,391 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,941,000 | 2,899 |
| Total interest expense | $3,468,000 | 2,645 |
| Net interest income | $3,473,000 | 3,149 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $2,523,000 | 1,109 |
| Gross Fiduciary activities income | $1,903,000 | 189 |
| Service charges on deposit accounts | $400,000 | 2,109 |
| Trading account gains and fees | $-12,000 | 8,551 |
| Additional Noninterest Income | $232,000 | 3,501 |
| Total noninterest expense | $4,716,000 | 1,959 |
| Salaries and employee benefits | $2,823,000 | 1,820 |
| Premises and equipment expense | $532,000 | 2,426 |
| Additional noninterest expense | $1,361,000 | 1,983 |
| Pre-tax net operating income | $1,220,000 | 3,084 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $1,211,000 | 2,623 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,211,000 | 2,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,059 |
| Cash dividends | $2,580,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,211,000 | 2,603 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,295,000 | 3,024 |
| Total interest expense | $1,632,000 | 2,770 |
| Net interest income | $1,663,000 | 3,258 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $1,213,000 | 1,123 |
| Gross Fiduciary activities income | $939,000 | 187 |
| Service charges on deposit accounts | $188,000 | 2,159 |
| Trading account gains and fees | $-6,000 | 8,620 |
| Additional Noninterest Income | $92,000 | 3,917 |
| Total noninterest expense | $2,416,000 | 1,915 |
| Salaries and employee benefits | $1,394,000 | 1,844 |
| Premises and equipment expense | $253,000 | 2,561 |
| Additional noninterest expense | $769,000 | 1,743 |
| Pre-tax net operating income | $430,000 | 3,837 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-4,000 | 8,209 |
| Income before extraordinary items | $434,000 | 3,314 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $434,000 | 3,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $2,230,000 | 416 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $434,000 | 3,291 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,062,000 | 2,876 |
| Total interest expense | $6,262,000 | 2,503 |
| Net interest income | $6,800,000 | 3,193 |
| Provision for loan and lease losses | $100,000 | 4,711 |
| Total noninterest income | $4,610,000 | 1,173 |
| Gross Fiduciary activities income | $3,535,000 | 185 |
| Service charges on deposit accounts | $934,000 | 1,852 |
| Trading account gains and fees | $-18,000 | 8,657 |
| Additional Noninterest Income | $159,000 | 5,512 |
| Total noninterest expense | $8,748,000 | 2,014 |
| Salaries and employee benefits | $5,103,000 | 1,907 |
| Premises and equipment expense | $981,000 | 2,521 |
| Additional noninterest expense | $2,664,000 | 1,991 |
| Pre-tax net operating income | $2,562,000 | 3,079 |
| Securities gains (losses) | $-20,000 | 7,546 |
| Applicable income taxes | $154,000 | 4,571 |
| Income before extraordinary items | $2,388,000 | 2,709 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,388,000 | 2,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,997 |
| Cash dividends | $775,000 | 3,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,406,800 | 2,680 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,759,000 | 2,860 |
| Total interest expense | $4,608,000 | 2,476 |
| Net interest income | $5,151,000 | 3,180 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $3,445,000 | 1,189 |
| Gross Fiduciary activities income | $2,641,000 | 191 |
| Service charges on deposit accounts | $680,000 | 1,898 |
| Trading account gains and fees | $-14,000 | 8,720 |
| Additional Noninterest Income | $138,000 | 5,276 |
| Total noninterest expense | $6,530,000 | 2,021 |
| Salaries and employee benefits | $3,869,000 | 1,880 |
| Premises and equipment expense | $744,000 | 2,490 |
| Additional noninterest expense | $1,917,000 | 2,048 |
| Pre-tax net operating income | $1,976,000 | 3,147 |
| Securities gains (losses) | $-20,000 | 7,838 |
| Applicable income taxes | $154,000 | 4,456 |
| Income before extraordinary items | $1,802,000 | 2,791 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,802,000 | 2,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,707 |
| Cash dividends | $600,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,820,400 | 2,758 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,337,000 | 2,889 |
| Total interest expense | $2,896,000 | 2,506 |
| Net interest income | $3,441,000 | 3,176 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $2,270,000 | 1,193 |
| Gross Fiduciary activities income | $1,771,000 | 197 |
| Service charges on deposit accounts | $418,000 | 2,021 |
| Trading account gains and fees | $-9,000 | 8,753 |
| Additional Noninterest Income | $90,000 | 5,350 |
| Total noninterest expense | $4,362,000 | 2,015 |
| Salaries and employee benefits | $2,597,000 | 1,876 |
| Premises and equipment expense | $474,000 | 2,598 |
| Additional noninterest expense | $1,291,000 | 2,043 |
| Pre-tax net operating income | $1,289,000 | 3,201 |
| Securities gains (losses) | $-1,000 | 7,450 |
| Applicable income taxes | $142,000 | 4,093 |
| Income before extraordinary items | $1,146,000 | 2,890 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,146,000 | 2,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,236 |
| Cash dividends | $385,000 | 2,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,146,890 | 2,876 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,101,000 | 2,891 |
| Total interest expense | $1,409,000 | 2,449 |
| Net interest income | $1,692,000 | 3,209 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $1,105,000 | 1,189 |
| Gross Fiduciary activities income | $867,000 | 198 |
| Service charges on deposit accounts | $203,000 | 2,015 |
| Trading account gains and fees | $-5,000 | 8,759 |
| Additional Noninterest Income | $40,000 | 5,532 |
| Total noninterest expense | $2,165,000 | 2,041 |
| Salaries and employee benefits | $1,316,000 | 1,872 |
| Premises and equipment expense | $224,000 | 2,731 |
| Additional noninterest expense | $625,000 | 2,078 |
| Pre-tax net operating income | $602,000 | 3,299 |
| Securities gains (losses) | $-1,000 | 7,892 |
| Applicable income taxes | $142,000 | 3,118 |
| Income before extraordinary items | $459,000 | 3,367 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $459,000 | 3,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $235,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $459,760 | 3,344 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,639,000 | 2,776 |
| Total interest expense | $4,591,000 | 2,386 |
| Net interest income | $7,048,000 | 3,029 |
| Provision for loan and lease losses | $90,000 | 4,964 |
| Total noninterest income | $4,210,000 | 1,228 |
| Gross Fiduciary activities income | $3,290,000 | 196 |
| Service charges on deposit accounts | $769,000 | 2,180 |
| Trading account gains and fees | $-12,000 | 8,808 |
| Additional Noninterest Income | $163,000 | 5,582 |
| Total noninterest expense | $8,323,000 | 2,009 |
| Salaries and employee benefits | $4,881,000 | 1,898 |
| Premises and equipment expense | $901,000 | 2,596 |
| Additional noninterest expense | $2,541,000 | 1,986 |
| Pre-tax net operating income | $2,845,000 | 2,880 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $783,000 | 2,635 |
| Income before extraordinary items | $2,062,000 | 3,023 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,062,000 | 3,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,287 |
| Cash dividends | $1,800,000 | 1,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,062,000 | 2,984 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,580,000 | 2,764 |
| Total interest expense | $3,275,000 | 2,381 |
| Net interest income | $5,305,000 | 3,002 |
| Provision for loan and lease losses | $60,000 | 4,948 |
| Total noninterest income | $3,104,000 | 1,254 |
| Gross Fiduciary activities income | $2,430,000 | 194 |
| Service charges on deposit accounts | $557,000 | 2,232 |
| Trading account gains and fees | $-8,000 | 8,834 |
| Additional Noninterest Income | $125,000 | 5,534 |
| Total noninterest expense | $6,198,000 | 2,003 |
| Salaries and employee benefits | $3,703,000 | 1,863 |
| Premises and equipment expense | $634,000 | 2,727 |
| Additional noninterest expense | $1,861,000 | 1,996 |
| Pre-tax net operating income | $2,151,000 | 2,896 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $605,000 | 2,620 |
| Income before extraordinary items | $1,546,000 | 3,053 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,546,000 | 3,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,995 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,546,000 | 3,020 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,562,000 | 2,768 |
| Total interest expense | $2,040,000 | 2,389 |
| Net interest income | $3,522,000 | 2,981 |
| Provision for loan and lease losses | $40,000 | 4,850 |
| Total noninterest income | $2,004,000 | 1,261 |
| Gross Fiduciary activities income | $1,573,000 | 201 |
| Service charges on deposit accounts | $348,000 | 2,320 |
| Trading account gains and fees | $-5,000 | 8,835 |
| Additional Noninterest Income | $88,000 | 5,421 |
| Total noninterest expense | $4,068,000 | 2,021 |
| Salaries and employee benefits | $2,445,000 | 1,862 |
| Premises and equipment expense | $412,000 | 2,770 |
| Additional noninterest expense | $1,211,000 | 2,032 |
| Pre-tax net operating income | $1,418,000 | 2,880 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $394,000 | 2,639 |
| Income before extraordinary items | $1,024,000 | 3,032 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,024,000 | 3,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,024,000 | 2,988 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,705,000 | 2,805 |
| Total interest expense | $973,000 | 2,398 |
| Net interest income | $1,732,000 | 3,016 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $969,000 | 1,273 |
| Gross Fiduciary activities income | $773,000 | 204 |
| Service charges on deposit accounts | $159,000 | 2,442 |
| Trading account gains and fees | $-3,000 | 8,897 |
| Additional Noninterest Income | $40,000 | 5,645 |
| Total noninterest expense | $1,995,000 | 2,074 |
| Salaries and employee benefits | $1,217,000 | 1,882 |
| Premises and equipment expense | $210,000 | 2,749 |
| Additional noninterest expense | $568,000 | 2,156 |
| Pre-tax net operating income | $676,000 | 2,934 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $188,000 | 2,707 |
| Income before extraordinary items | $488,000 | 3,102 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $488,000 | 3,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $488,000 | 3,063 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,433,000 | 2,718 |
| Total interest expense | $3,490,000 | 2,309 |
| Net interest income | $6,943,000 | 2,908 |
| Provision for loan and lease losses | $165,000 | 4,077 |
| Total noninterest income | $3,863,000 | 1,310 |
| Gross Fiduciary activities income | $2,988,000 | 203 |
| Service charges on deposit accounts | $649,000 | 2,539 |
| Trading account gains and fees | $-9,000 | 8,942 |
| Additional Noninterest Income | $235,000 | 4,759 |
| Total noninterest expense | $7,934,000 | 2,021 |
| Salaries and employee benefits | $4,614,000 | 1,892 |
| Premises and equipment expense | $897,000 | 2,528 |
| Additional noninterest expense | $2,423,000 | 2,025 |
| Pre-tax net operating income | $2,707,000 | 2,809 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $778,000 | 2,577 |
| Income before extraordinary items | $1,929,000 | 3,007 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,929,000 | 3,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,821 |
| Cash dividends | $1,250,000 | 1,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,929,000 | 2,950 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,723,000 | 2,720 |
| Total interest expense | $2,541,000 | 2,320 |
| Net interest income | $5,182,000 | 2,903 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $2,912,000 | 1,335 |
| Gross Fiduciary activities income | $2,217,000 | 208 |
| Service charges on deposit accounts | $496,000 | 2,514 |
| Trading account gains and fees | $-7,000 | 8,991 |
| Additional Noninterest Income | $206,000 | 4,443 |
| Total noninterest expense | $5,902,000 | 2,027 |
| Salaries and employee benefits | $3,461,000 | 1,893 |
| Premises and equipment expense | $662,000 | 2,556 |
| Additional noninterest expense | $1,779,000 | 2,029 |
| Pre-tax net operating income | $2,057,000 | 2,811 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $609,000 | 2,546 |
| Income before extraordinary items | $1,448,000 | 3,039 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,448,000 | 3,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,599 |
| Cash dividends | $750,000 | 2,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,448,000 | 2,970 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,135,000 | 2,717 |
| Total interest expense | $1,624,000 | 2,386 |
| Net interest income | $3,511,000 | 2,840 |
| Provision for loan and lease losses | $105,000 | 3,376 |
| Total noninterest income | $1,976,000 | 1,302 |
| Gross Fiduciary activities income | $1,484,000 | 209 |
| Service charges on deposit accounts | $325,000 | 2,539 |
| Trading account gains and fees | $-4,000 | 9,040 |
| Additional Noninterest Income | $171,000 | 4,053 |
| Total noninterest expense | $3,883,000 | 2,049 |
| Salaries and employee benefits | $2,266,000 | 1,916 |
| Premises and equipment expense | $449,000 | 2,509 |
| Additional noninterest expense | $1,168,000 | 2,068 |
| Pre-tax net operating income | $1,499,000 | 2,591 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $454,000 | 2,350 |
| Income before extraordinary items | $1,045,000 | 2,825 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,045,000 | 2,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,045,000 | 2,751 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,580,000 | 2,708 |
| Total interest expense | $808,000 | 2,420 |
| Net interest income | $1,772,000 | 2,809 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $945,000 | 1,304 |
| Gross Fiduciary activities income | $698,000 | 216 |
| Service charges on deposit accounts | $160,000 | 2,535 |
| Trading account gains and fees | $-2,000 | 9,080 |
| Additional Noninterest Income | $89,000 | 3,959 |
| Total noninterest expense | $1,932,000 | 2,077 |
| Salaries and employee benefits | $1,141,000 | 1,921 |
| Premises and equipment expense | $219,000 | 2,585 |
| Additional noninterest expense | $572,000 | 2,065 |
| Pre-tax net operating income | $710,000 | 2,674 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $213,000 | 2,469 |
| Income before extraordinary items | $497,000 | 2,954 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $497,000 | 2,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $497,000 | 2,857 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,284,000 | 2,524 |
| Total interest expense | $3,889,000 | 2,270 |
| Net interest income | $7,395,000 | 2,613 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $3,391,000 | 1,527 |
| Gross Fiduciary activities income | $2,559,000 | 225 |
| Service charges on deposit accounts | $660,000 | 2,487 |
| Trading account gains and fees | $-8,000 | 9,143 |
| Additional Noninterest Income | $180,000 | 5,507 |
| Total noninterest expense | $7,981,000 | 1,985 |
| Salaries and employee benefits | $4,402,000 | 1,954 |
| Premises and equipment expense | $1,000,000 | 2,260 |
| Additional noninterest expense | $2,579,000 | 1,868 |
| Pre-tax net operating income | $2,505,000 | 2,880 |
| Securities gains (losses) | $50,000 | 2,510 |
| Applicable income taxes | $753,000 | 2,641 |
| Income before extraordinary items | $1,802,000 | 3,104 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,802,000 | 3,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,768 |
| Cash dividends | $1,500,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,766,500 | 3,002 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,555,000 | 2,535 |
| Total interest expense | $3,002,000 | 2,294 |
| Net interest income | $5,553,000 | 2,621 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $2,513,000 | 1,576 |
| Gross Fiduciary activities income | $1,883,000 | 233 |
| Service charges on deposit accounts | $497,000 | 2,490 |
| Trading account gains and fees | $-7,000 | 9,197 |
| Additional Noninterest Income | $140,000 | 5,475 |
| Total noninterest expense | $5,966,000 | 1,995 |
| Salaries and employee benefits | $3,247,000 | 1,984 |
| Premises and equipment expense | $741,000 | 2,286 |
| Additional noninterest expense | $1,978,000 | 1,824 |
| Pre-tax net operating income | $1,875,000 | 2,980 |
| Securities gains (losses) | $50,000 | 2,306 |
| Applicable income taxes | $565,000 | 2,786 |
| Income before extraordinary items | $1,360,000 | 3,191 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,360,000 | 3,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,994 |
| Cash dividends | $1,000,000 | 1,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,324,500 | 3,095 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,795,000 | 2,513 |
| Total interest expense | $2,057,000 | 2,309 |
| Net interest income | $3,738,000 | 2,596 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $1,670,000 | 1,575 |
| Gross Fiduciary activities income | $1,248,000 | 240 |
| Service charges on deposit accounts | $330,000 | 2,461 |
| Trading account gains and fees | $-5,000 | 9,232 |
| Additional Noninterest Income | $97,000 | 5,371 |
| Total noninterest expense | $3,948,000 | 2,000 |
| Salaries and employee benefits | $2,139,000 | 1,994 |
| Premises and equipment expense | $493,000 | 2,283 |
| Additional noninterest expense | $1,316,000 | 1,834 |
| Pre-tax net operating income | $1,310,000 | 2,891 |
| Securities gains (losses) | $31,000 | 2,340 |
| Applicable income taxes | $399,000 | 2,697 |
| Income before extraordinary items | $942,000 | 3,104 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $942,000 | 3,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,896 |
| Cash dividends | $750,000 | 1,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $920,300 | 2,992 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,912,000 | 2,514 |
| Total interest expense | $1,052,000 | 2,313 |
| Net interest income | $1,860,000 | 2,602 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $784,000 | 1,609 |
| Gross Fiduciary activities income | $577,000 | 260 |
| Service charges on deposit accounts | $162,000 | 2,433 |
| Trading account gains and fees | $-3,000 | 9,268 |
| Additional Noninterest Income | $48,000 | 5,346 |
| Total noninterest expense | $1,934,000 | 2,025 |
| Salaries and employee benefits | $1,037,000 | 2,041 |
| Premises and equipment expense | $240,000 | 2,320 |
| Additional noninterest expense | $657,000 | 1,792 |
| Pre-tax net operating income | $635,000 | 2,959 |
| Securities gains (losses) | $8,000 | 2,242 |
| Applicable income taxes | $190,000 | 2,786 |
| Income before extraordinary items | $453,000 | 3,155 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $453,000 | 3,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,967 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $447,400 | 3,026 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,058,000 | 2,550 |
| Total interest expense | $4,575,000 | 2,432 |
| Net interest income | $7,483,000 | 2,560 |
| Provision for loan and lease losses | $270,000 | 3,677 |
| Total noninterest income | $3,476,000 | 1,397 |
| Gross Fiduciary activities income | $2,536,000 | 243 |
| Service charges on deposit accounts | $694,000 | 2,263 |
| Trading account gains and fees | $-6,000 | 9,289 |
| Additional Noninterest Income | $252,000 | 4,595 |
| Total noninterest expense | $7,991,000 | 1,886 |
| Salaries and employee benefits | $4,447,000 | 1,810 |
| Premises and equipment expense | $908,000 | 2,388 |
| Additional noninterest expense | $2,636,000 | 1,772 |
| Pre-tax net operating income | $2,698,000 | 2,725 |
| Securities gains (losses) | $39,000 | 2,625 |
| Applicable income taxes | $821,000 | 2,550 |
| Income before extraordinary items | $1,916,000 | 2,902 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,916,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,668 |
| Cash dividends | $1,880,000 | 1,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,888,700 | 2,837 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,506,000 | 2,531 |
| Total interest expense | $6,344,000 | 2,522 |
| Net interest income | $7,162,000 | 2,496 |
| Provision for loan and lease losses | $450,000 | 2,395 |
| Total noninterest income | $3,311,000 | 1,372 |
| Gross Fiduciary activities income | $2,391,000 | 265 |
| Service charges on deposit accounts | $627,000 | 2,353 |
| Trading account gains and fees | $-2,000 | 9,558 |
| Additional Noninterest Income | $295,000 | 4,146 |
| Total noninterest expense | $7,561,000 | 1,909 |
| Salaries and employee benefits | $4,038,000 | 1,856 |
| Premises and equipment expense | $877,000 | 2,422 |
| Additional noninterest expense | $2,646,000 | 1,729 |
| Pre-tax net operating income | $2,462,000 | 2,696 |
| Securities gains (losses) | $123,000 | 1,581 |
| Applicable income taxes | $775,000 | 2,489 |
| Income before extraordinary items | $1,810,000 | 2,775 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,810,000 | 2,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,631 |
| Cash dividends | $4,314,000 | 692 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,723,900 | 2,807 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,016,000 | 2,330 |
| Total interest expense | $7,919,000 | 2,159 |
| Net interest income | $7,097,000 | 2,510 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $3,033,000 | 1,342 |
| Gross Fiduciary activities income | $2,151,000 | 279 |
| Service charges on deposit accounts | $630,000 | 2,190 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $252,000 | 4,283 |
| Total noninterest expense | $7,212,000 | 1,929 |
| Salaries and employee benefits | $3,977,000 | 1,807 |
| Premises and equipment expense | $645,000 | 3,087 |
| Additional noninterest expense | $2,590,000 | 1,714 |
| Pre-tax net operating income | $2,618,000 | 2,661 |
| Securities gains (losses) | $-6,000 | 8,044 |
| Applicable income taxes | $788,000 | 2,550 |
| Income before extraordinary items | $1,824,000 | 2,774 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,824,000 | 2,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,427 |
| Cash dividends | $710,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,828,200 | 2,770 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,460,000 | 2,432 |
| Total interest expense | $6,350,000 | 2,312 |
| Net interest income | $7,110,000 | 2,483 |
| Provision for loan and lease losses | $330,000 | 2,465 |
| Total noninterest income | $2,821,000 | 1,429 |
| Gross Fiduciary activities income | $1,963,000 | 335 |
| Service charges on deposit accounts | $558,000 | 2,387 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $300,000 | 4,018 |
| Total noninterest expense | $6,690,000 | 2,035 |
| Salaries and employee benefits | $3,549,000 | 1,976 |
| Premises and equipment expense | $578,000 | 3,375 |
| Additional noninterest expense | $2,563,000 | 1,735 |
| Pre-tax net operating income | $2,911,000 | 2,480 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $828,000 | 2,574 |
| Income before extraordinary items | $2,082,000 | 2,487 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,082,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,630 |
| Cash dividends | $486,000 | 3,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,082,720 | 2,447 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,865,000 | 2,542 |
| Total interest expense | $6,291,000 | 2,396 |
| Net interest income | $6,574,000 | 2,594 |
| Provision for loan and lease losses | $316,000 | 2,493 |
| Total noninterest income | $2,303,000 | 1,652 |
| Gross Fiduciary activities income | $1,541,000 | 368 |
| Service charges on deposit accounts | $479,000 | 2,654 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $283,000 | 4,151 |
| Total noninterest expense | $6,235,000 | 2,108 |
| Salaries and employee benefits | $3,234,000 | 2,095 |
| Premises and equipment expense | $703,000 | 2,758 |
| Additional noninterest expense | $2,298,000 | 1,837 |
| Pre-tax net operating income | $2,326,000 | 2,962 |
| Securities gains (losses) | $301,000 | 745 |
| Applicable income taxes | $735,000 | 2,920 |
| Income before extraordinary items | $1,892,000 | 2,686 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,892,000 | 2,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,725 |
| Cash dividends | $442,000 | 3,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,675,280 | 2,877 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,924,000 | 2,545 |
| Total interest expense | $6,347,000 | 2,364 |
| Net interest income | $6,577,000 | 2,643 |
| Provision for loan and lease losses | $78,000 | 5,710 |
| Total noninterest income | $2,026,000 | 1,744 |
| Gross Fiduciary activities income | $1,222,000 | 416 |
| Service charges on deposit accounts | $475,000 | 2,756 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $329,000 | 3,726 |
| Total noninterest expense | $5,894,000 | 2,183 |
| Salaries and employee benefits | $3,123,000 | 2,110 |
| Premises and equipment expense | $626,000 | 3,031 |
| Additional noninterest expense | $2,145,000 | 1,977 |
| Pre-tax net operating income | $2,631,000 | 2,789 |
| Securities gains (losses) | $57,000 | 1,267 |
| Applicable income taxes | $641,000 | 3,490 |
| Income before extraordinary items | $2,047,000 | 2,532 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,047,000 | 2,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,417 |
| Cash dividends | $443,000 | 3,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,003,680 | 2,539 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,548,000 | 2,661 |
| Total interest expense | $6,120,000 | 2,508 |
| Net interest income | $6,428,000 | 2,751 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $1,935,000 | 1,893 |
| Gross Fiduciary activities income | $1,085,000 | 483 |
| Service charges on deposit accounts | $374,000 | 3,538 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $476,000 | 3,030 |
| Total noninterest expense | $5,819,000 | 2,367 |
| Salaries and employee benefits | $3,268,000 | 2,025 |
| Premises and equipment expense | $719,000 | 2,717 |
| Additional noninterest expense | $1,832,000 | 2,654 |
| Pre-tax net operating income | $2,424,000 | 2,849 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $662,000 | 3,314 |
| Income before extraordinary items | $1,764,000 | 2,750 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,764,000 | 2,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,831 |
| Cash dividends | $442,000 | 3,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,762,540 | 2,711 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,990,000 | 2,785 |
| Total interest expense | $5,786,000 | 2,655 |
| Net interest income | $6,204,000 | 2,866 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $1,689,000 | 2,098 |
| Gross Fiduciary activities income | $960,000 | 539 |
| Service charges on deposit accounts | $362,000 | 3,661 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $367,000 | 3,500 |
| Total noninterest expense | $5,501,000 | 2,470 |
| Salaries and employee benefits | $3,033,000 | 2,191 |
| Premises and equipment expense | $598,000 | 3,209 |
| Additional noninterest expense | $1,870,000 | 2,550 |
| Pre-tax net operating income | $2,292,000 | 3,093 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $615,000 | 3,600 |
| Income before extraordinary items | $1,677,000 | 2,933 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,677,000 | 2,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,884 |
| Cash dividends | $1,487,000 | 1,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,677,000 | 2,893 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,989,000 | 2,762 |
| Total interest expense | $4,580,000 | 2,669 |
| Net interest income | $6,409,000 | 2,824 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $1,608,000 | 2,167 |
| Gross Fiduciary activities income | $797,000 | 584 |
| Service charges on deposit accounts | $350,000 | 3,842 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $461,000 | 3,110 |
| Total noninterest expense | $5,401,000 | 2,576 |
| Salaries and employee benefits | $2,716,000 | 2,466 |
| Premises and equipment expense | $658,000 | 2,996 |
| Additional noninterest expense | $2,027,000 | 2,543 |
| Pre-tax net operating income | $2,541,000 | 2,782 |
| Securities gains (losses) | $15,000 | 1,966 |
| Applicable income taxes | $710,000 | 3,054 |
| Income before extraordinary items | $1,846,000 | 2,630 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,846,000 | 2,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 11,960 |
| Cash dividends | $1,509,000 | 1,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,835,200 | 2,661 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,470,000 | 2,965 |
| Total interest expense | $4,361,000 | 2,927 |
| Net interest income | $6,109,000 | 2,978 |
| Provision for loan and lease losses | $68,000 | 6,717 |
| Total noninterest income | $1,913,000 | 2,036 |
| Gross Fiduciary activities income | $741,000 | 633 |
| Service charges on deposit accounts | $323,000 | 4,162 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $849,000 | 2,298 |
| Total noninterest expense | $5,104,000 | 2,799 |
| Salaries and employee benefits | $2,625,000 | 2,530 |
| Premises and equipment expense | $617,000 | 3,238 |
| Additional noninterest expense | $1,862,000 | 2,901 |
| Pre-tax net operating income | $2,850,000 | 2,414 |
| Securities gains (losses) | $19,000 | 4,737 |
| Applicable income taxes | $837,000 | 2,658 |
| Income before extraordinary items | $2,032,000 | 2,470 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,032,000 | 2,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 12,001 |
| Cash dividends | $568,000 | 2,785 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,018,510 | 2,340 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,740,000 | 3,252 |
| Total interest expense | $4,954,000 | 3,337 |
| Net interest income | $5,786,000 | 3,176 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $1,117,000 | 3,021 |
| Gross Fiduciary activities income | $636,000 | 686 |
| Service charges on deposit accounts | $314,000 | 4,282 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $167,000 | 6,272 |
| Total noninterest expense | $4,904,000 | 2,914 |
| Salaries and employee benefits | $2,621,000 | 2,464 |
| Premises and equipment expense | $598,000 | 3,365 |
| Additional noninterest expense | $1,685,000 | 3,243 |
| Pre-tax net operating income | $1,919,000 | 3,221 |
| Securities gains (losses) | $390,000 | 1,305 |
| Applicable income taxes | $662,000 | 3,139 |
| Income before extraordinary items | $1,647,000 | 2,794 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,647,000 | 2,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 7,838 |
| Cash dividends | $423,000 | 3,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,370,100 | 3,106 |
* 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.