Home > The Clarksburg Commercial Bank > Income and Expense
The Clarksburg Commercial Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $569,000 | 8,239 |
| Total interest expense | $175,000 | 8,265 |
| Net interest income | $394,000 | 8,123 |
| Provision for loan and lease losses | $7,000 | 5,886 |
| Total noninterest income | $50,000 | 7,657 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $37,000 | 6,450 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $13,000 | 7,713 |
| Total noninterest expense | $369,000 | 8,064 |
| Salaries and employee benefits | $176,000 | 8,217 |
| Premises and equipment expense | $69,000 | 7,380 |
| Additional noninterest expense | $124,000 | 7,802 |
| Pre-tax net operating income | $68,000 | 7,424 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $68,000 | 7,344 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $68,000 | 7,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $45,000 | 4,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $68,000 | 7,337 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $281,000 | 8,301 |
| Total interest expense | $83,000 | 8,334 |
| Net interest income | $198,000 | 8,178 |
| Provision for loan and lease losses | $5,000 | 5,396 |
| Total noninterest income | $24,000 | 7,693 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $17,000 | 6,538 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,000 | 7,693 |
| Total noninterest expense | $194,000 | 8,040 |
| Salaries and employee benefits | $90,000 | 8,235 |
| Premises and equipment expense | $35,000 | 7,389 |
| Additional noninterest expense | $69,000 | 7,709 |
| Pre-tax net operating income | $23,000 | 7,624 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $23,000 | 7,576 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $23,000 | 7,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $15,000 | 3,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $23,000 | 7,557 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,086,000 | 8,225 |
| Total interest expense | $284,000 | 8,316 |
| Net interest income | $802,000 | 8,091 |
| Provision for loan and lease losses | $10,000 | 6,573 |
| Total noninterest income | $105,000 | 7,682 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $81,000 | 6,429 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,865 |
| Total noninterest expense | $840,000 | 7,960 |
| Salaries and employee benefits | $393,000 | 8,175 |
| Premises and equipment expense | $152,000 | 7,237 |
| Additional noninterest expense | $295,000 | 7,610 |
| Pre-tax net operating income | $57,000 | 7,823 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $57,000 | 7,829 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $57,000 | 7,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,716 |
| Cash dividends | $25,000 | 5,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $57,000 | 7,820 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $808,000 | 8,298 |
| Total interest expense | $204,000 | 8,387 |
| Net interest income | $604,000 | 8,164 |
| Provision for loan and lease losses | $7,000 | 6,476 |
| Total noninterest income | $79,000 | 7,761 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $62,000 | 6,468 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,000 | 7,944 |
| Total noninterest expense | $631,000 | 7,969 |
| Salaries and employee benefits | $290,000 | 8,188 |
| Premises and equipment expense | $116,000 | 7,224 |
| Additional noninterest expense | $225,000 | 7,597 |
| Pre-tax net operating income | $45,000 | 7,985 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $45,000 | 7,985 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $45,000 | 7,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $25,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $45,000 | 7,975 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $535,000 | 8,344 |
| Total interest expense | $132,000 | 8,415 |
| Net interest income | $403,000 | 8,221 |
| Provision for loan and lease losses | $7,000 | 6,120 |
| Total noninterest income | $53,000 | 7,801 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $41,000 | 6,503 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,000 | 7,965 |
| Total noninterest expense | $420,000 | 7,984 |
| Salaries and employee benefits | $191,000 | 8,251 |
| Premises and equipment expense | $73,000 | 7,349 |
| Additional noninterest expense | $156,000 | 7,543 |
| Pre-tax net operating income | $29,000 | 8,048 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $29,000 | 8,032 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $29,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $15,000 | 4,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $29,000 | 8,031 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $266,000 | 8,359 |
| Total interest expense | $65,000 | 8,432 |
| Net interest income | $201,000 | 8,248 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $27,000 | 7,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $21,000 | 6,441 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $222,000 | 7,934 |
| Salaries and employee benefits | $102,000 | 8,193 |
| Premises and equipment expense | $36,000 | 7,382 |
| Additional noninterest expense | $84,000 | 7,422 |
| Pre-tax net operating income | $6,000 | 8,154 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $6,000 | 8,144 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,000 | 8,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $15,000 | 3,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $6,000 | 8,135 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,038,000 | 8,301 |
| Total interest expense | $241,000 | 8,341 |
| Net interest income | $797,000 | 8,222 |
| Provision for loan and lease losses | $15,000 | 6,626 |
| Total noninterest income | $124,000 | 7,713 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $82,000 | 6,555 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $42,000 | 7,569 |
| Total noninterest expense | $852,000 | 7,993 |
| Salaries and employee benefits | $416,000 | 8,161 |
| Premises and equipment expense | $141,000 | 7,389 |
| Additional noninterest expense | $295,000 | 7,685 |
| Pre-tax net operating income | $54,000 | 8,129 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $54,000 | 8,125 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $54,000 | 8,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,747 |
| Cash dividends | $15,000 | 5,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $54,000 | 8,098 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $776,000 | 8,338 |
| Total interest expense | $177,000 | 8,359 |
| Net interest income | $599,000 | 8,263 |
| Provision for loan and lease losses | $5,000 | 6,713 |
| Total noninterest income | $91,000 | 7,781 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $60,000 | 6,625 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,617 |
| Total noninterest expense | $625,000 | 8,018 |
| Salaries and employee benefits | $304,000 | 8,176 |
| Premises and equipment expense | $103,000 | 7,438 |
| Additional noninterest expense | $218,000 | 7,703 |
| Pre-tax net operating income | $60,000 | 8,157 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $60,000 | 8,153 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $60,000 | 8,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,590 |
| Cash dividends | $15,000 | 5,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $60,000 | 8,122 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $505,000 | 8,368 |
| Total interest expense | $114,000 | 8,382 |
| Net interest income | $391,000 | 8,315 |
| Provision for loan and lease losses | $5,000 | 6,409 |
| Total noninterest income | $59,000 | 7,792 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $39,000 | 6,647 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $20,000 | 7,651 |
| Total noninterest expense | $410,000 | 8,046 |
| Salaries and employee benefits | $195,000 | 8,227 |
| Premises and equipment expense | $70,000 | 7,407 |
| Additional noninterest expense | $145,000 | 7,694 |
| Pre-tax net operating income | $35,000 | 8,211 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $35,000 | 8,200 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $35,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,953 |
| Cash dividends | $15,000 | 4,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $35,000 | 8,167 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $250,000 | 8,447 |
| Total interest expense | $56,000 | 8,432 |
| Net interest income | $194,000 | 8,389 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $26,000 | 7,944 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,922 |
| Total noninterest expense | $206,000 | 8,125 |
| Salaries and employee benefits | $99,000 | 8,281 |
| Premises and equipment expense | $35,000 | 7,470 |
| Additional noninterest expense | $72,000 | 7,752 |
| Pre-tax net operating income | $14,000 | 8,312 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $14,000 | 8,310 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $14,000 | 8,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $10,000 | 3,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $14,000 | 8,283 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $989,000 | 8,399 |
| Total interest expense | $223,000 | 8,388 |
| Net interest income | $766,000 | 8,349 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $143,000 | 7,672 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $99,000 | 6,493 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $44,000 | 7,564 |
| Total noninterest expense | $872,000 | 8,028 |
| Salaries and employee benefits | $452,000 | 8,132 |
| Premises and equipment expense | $119,000 | 7,725 |
| Additional noninterest expense | $301,000 | 7,697 |
| Pre-tax net operating income | $37,000 | 8,292 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $37,000 | 8,327 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $37,000 | 8,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $55,000 | 5,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $37,000 | 8,290 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $733,000 | 8,453 |
| Total interest expense | $168,000 | 8,427 |
| Net interest income | $565,000 | 8,408 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $112,000 | 7,646 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $76,000 | 6,505 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 7,481 |
| Total noninterest expense | $660,000 | 8,015 |
| Salaries and employee benefits | $340,000 | 8,108 |
| Premises and equipment expense | $88,000 | 7,742 |
| Additional noninterest expense | $232,000 | 7,648 |
| Pre-tax net operating income | $17,000 | 8,420 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $17,000 | 8,450 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $17,000 | 8,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $55,000 | 4,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $17,000 | 8,409 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $483,000 | 8,525 |
| Total interest expense | $110,000 | 8,496 |
| Net interest income | $373,000 | 8,464 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $78,000 | 7,635 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $49,000 | 6,572 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $29,000 | 7,273 |
| Total noninterest expense | $427,000 | 8,114 |
| Salaries and employee benefits | $223,000 | 8,189 |
| Premises and equipment expense | $55,000 | 7,871 |
| Additional noninterest expense | $149,000 | 7,744 |
| Pre-tax net operating income | $24,000 | 8,393 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $24,000 | 8,425 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $24,000 | 8,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $55,000 | 4,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $24,000 | 8,362 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $237,000 | 8,592 |
| Total interest expense | $58,000 | 8,513 |
| Net interest income | $179,000 | 8,542 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $45,000 | 7,394 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $24,000 | 6,539 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $21,000 | 6,731 |
| Total noninterest expense | $211,000 | 8,162 |
| Salaries and employee benefits | $108,000 | 8,284 |
| Premises and equipment expense | $27,000 | 7,911 |
| Additional noninterest expense | $76,000 | 7,736 |
| Pre-tax net operating income | $13,000 | 8,398 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $13,000 | 8,421 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $13,000 | 8,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $54,000 | 3,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $13,000 | 8,355 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,023,000 | 8,564 |
| Total interest expense | $230,000 | 8,663 |
| Net interest income | $793,000 | 8,426 |
| Provision for loan and lease losses | $23,000 | 7,008 |
| Total noninterest income | $137,000 | 7,938 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $106,000 | 6,463 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $31,000 | 8,089 |
| Total noninterest expense | $756,000 | 8,348 |
| Salaries and employee benefits | $418,000 | 8,342 |
| Premises and equipment expense | $86,000 | 8,253 |
| Additional noninterest expense | $252,000 | 8,085 |
| Pre-tax net operating income | $151,000 | 7,997 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $151,000 | 8,007 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $151,000 | 8,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $10,000 | 6,212 |
| Sale, conversion, retirement of capital stock, net | $-150,000 | 9,121 |
| Net operating income | $151,000 | 7,885 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $771,000 | 8,644 |
| Total interest expense | $174,000 | 8,768 |
| Net interest income | $597,000 | 8,495 |
| Provision for loan and lease losses | $10,000 | 7,100 |
| Total noninterest income | $99,000 | 8,038 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $77,000 | 6,567 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,000 | 8,174 |
| Total noninterest expense | $546,000 | 8,406 |
| Salaries and employee benefits | $295,000 | 8,447 |
| Premises and equipment expense | $64,000 | 8,298 |
| Additional noninterest expense | $187,000 | 8,116 |
| Pre-tax net operating income | $140,000 | 8,027 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $34,000 | 6,492 |
| Income before extraordinary items | $106,000 | 8,181 |
| Extraordinary gains, net | $34,000 | 21 |
| Net income | $140,000 | 7,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $10,000 | 5,438 |
| Sale, conversion, retirement of capital stock, net | $-150,000 | 9,178 |
| Net operating income | $106,000 | 8,049 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $508,000 | 8,707 |
| Total interest expense | $115,000 | 8,840 |
| Net interest income | $393,000 | 8,547 |
| Provision for loan and lease losses | $8,000 | 6,936 |
| Total noninterest income | $67,000 | 8,013 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $51,000 | 6,554 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $16,000 | 8,080 |
| Total noninterest expense | $365,000 | 8,424 |
| Salaries and employee benefits | $197,000 | 8,476 |
| Premises and equipment expense | $42,000 | 8,327 |
| Additional noninterest expense | $126,000 | 8,097 |
| Pre-tax net operating income | $87,000 | 8,106 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $15,000 | 6,772 |
| Income before extraordinary items | $72,000 | 8,210 |
| Extraordinary gains, net | $15,000 | 19 |
| Net income | $87,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $10,000 | 5,124 |
| Sale, conversion, retirement of capital stock, net | $-150,000 | 9,219 |
| Net operating income | $72,000 | 8,061 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $250,000 | 8,783 |
| Total interest expense | $57,000 | 8,908 |
| Net interest income | $193,000 | 8,613 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $31,000 | 8,103 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $180,000 | 8,493 |
| Salaries and employee benefits | $96,000 | 8,543 |
| Premises and equipment expense | $21,000 | 8,333 |
| Additional noninterest expense | $63,000 | 8,130 |
| Pre-tax net operating income | $40,000 | 8,152 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $35,000 | 8,182 |
| Extraordinary gains, net | $5,000 | 16 |
| Net income | $40,000 | 8,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $10,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $-150,000 | 9,281 |
| Net operating income | $35,000 | 8,042 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 8,822 |
| Total interest expense | $309,000 | 8,867 |
| Net interest income | $721,000 | 8,708 |
| Provision for loan and lease losses | $18,000 | 7,572 |
| Total noninterest income | $116,000 | 8,215 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $98,000 | 6,612 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 8,612 |
| Total noninterest expense | $720,000 | 8,505 |
| Salaries and employee benefits | $388,000 | 8,551 |
| Premises and equipment expense | $78,000 | 8,471 |
| Additional noninterest expense | $254,000 | 8,147 |
| Pre-tax net operating income | $99,000 | 8,316 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $17,000 | 7,121 |
| Income before extraordinary items | $84,000 | 8,407 |
| Extraordinary gains, net | $17,000 | 57 |
| Net income | $101,000 | 8,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $60,000 | 5,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $82,340 | 8,324 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 9,071 |
| Total interest expense | $490,000 | 9,027 |
| Net interest income | $616,000 | 9,011 |
| Provision for loan and lease losses | $7,000 | 8,027 |
| Total noninterest income | $114,000 | 8,320 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $96,000 | 6,650 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $18,000 | 8,807 |
| Total noninterest expense | $674,000 | 8,745 |
| Salaries and employee benefits | $378,000 | 8,709 |
| Premises and equipment expense | $64,000 | 8,903 |
| Additional noninterest expense | $232,000 | 8,391 |
| Pre-tax net operating income | $49,000 | 8,549 |
| Securities gains (losses) | $7,000 | 3,779 |
| Applicable income taxes | $3,000 | 7,803 |
| Income before extraordinary items | $53,000 | 8,590 |
| Extraordinary gains, net | $3,000 | 101 |
| Net income | $56,000 | 8,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,947 |
| Cash dividends | $6,000 | 6,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $46,350 | 8,536 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,043,000 | 9,363 |
| Total interest expense | $513,000 | 9,226 |
| Net interest income | $530,000 | 9,409 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $101,000 | 8,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 6,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,518 |
| Total noninterest expense | $753,000 | 8,688 |
| Salaries and employee benefits | $376,000 | 8,874 |
| Premises and equipment expense | $64,000 | 9,098 |
| Additional noninterest expense | $313,000 | 7,847 |
| Pre-tax net operating income | $-152,000 | 9,298 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-152,000 | 9,323 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-152,000 | 9,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,142 |
| Cash dividends | $6,000 | 6,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-152,000 | 9,322 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,134,000 | 9,486 |
| Total interest expense | $513,000 | 9,411 |
| Net interest income | $621,000 | 9,468 |
| Provision for loan and lease losses | $75,000 | 5,766 |
| Total noninterest income | $89,000 | 8,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 7,264 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,479 |
| Total noninterest expense | $677,000 | 9,094 |
| Salaries and employee benefits | $351,000 | 9,185 |
| Premises and equipment expense | $63,000 | 9,372 |
| Additional noninterest expense | $263,000 | 8,447 |
| Pre-tax net operating income | $-42,000 | 9,478 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-41,000 | 9,500 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-41,000 | 9,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,165 |
| Cash dividends | $6,000 | 7,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-42,000 | 9,477 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,102,000 | 9,762 |
| Total interest expense | $509,000 | 9,673 |
| Net interest income | $593,000 | 9,757 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $87,000 | 9,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 7,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,114 |
| Total noninterest expense | $579,000 | 9,516 |
| Salaries and employee benefits | $362,000 | 9,210 |
| Premises and equipment expense | $66,000 | 9,435 |
| Additional noninterest expense | $151,000 | 9,646 |
| Pre-tax net operating income | $89,000 | 9,457 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $90,000 | 9,398 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $90,000 | 9,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $6,000 | 7,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $89,000 | 9,344 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,021,000 | 10,285 |
| Total interest expense | $452,000 | 10,222 |
| Net interest income | $569,000 | 10,247 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $59,000 | 10,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 8,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $540,000 | 9,975 |
| Salaries and employee benefits | $344,000 | 9,642 |
| Premises and equipment expense | $41,000 | 10,416 |
| Additional noninterest expense | $155,000 | 9,934 |
| Pre-tax net operating income | $73,000 | 10,164 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $73,000 | 10,121 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $73,000 | 10,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $6,000 | 7,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $73,000 | 10,077 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $962,000 | 10,871 |
| Total interest expense | $411,000 | 10,845 |
| Net interest income | $551,000 | 10,770 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $54,000 | 10,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 9,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 10,521 |
| Total noninterest expense | $523,000 | 10,487 |
| Salaries and employee benefits | $284,000 | 10,476 |
| Premises and equipment expense | $56,000 | 10,464 |
| Additional noninterest expense | $183,000 | 10,130 |
| Pre-tax net operating income | $67,000 | 10,523 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $67,000 | 10,479 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $67,000 | 10,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,175 |
| Cash dividends | $10,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $67,000 | 10,433 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $908,000 | 11,416 |
| Total interest expense | $364,000 | 11,435 |
| Net interest income | $544,000 | 11,292 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $53,000 | 11,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 9,589 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $511,000 | 10,977 |
| Salaries and employee benefits | $308,000 | 10,676 |
| Premises and equipment expense | $54,000 | 10,964 |
| Additional noninterest expense | $149,000 | 11,062 |
| Pre-tax net operating income | $74,000 | 11,211 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-2,000 | 11,484 |
| Income before extraordinary items | $76,000 | 11,130 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $76,000 | 11,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $5,000 | 8,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $76,000 | 11,108 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $861,000 | 11,969 |
| Total interest expense | $304,000 | 12,024 |
| Net interest income | $557,000 | 11,838 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $46,000 | 12,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,221 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 11,965 |
| Total noninterest expense | $507,000 | 11,585 |
| Salaries and employee benefits | $298,000 | 11,226 |
| Premises and equipment expense | $26,000 | 12,321 |
| Additional noninterest expense | $183,000 | 11,359 |
| Pre-tax net operating income | $91,000 | 11,682 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $91,000 | 11,469 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $91,000 | 11,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $5,000 | 8,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $91,000 | 11,511 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $861,000 | 12,563 |
| Total interest expense | $329,000 | 12,537 |
| Net interest income | $532,000 | 12,461 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $44,000 | 12,688 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 10,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,885 |
| Total noninterest expense | $493,000 | 12,201 |
| Salaries and employee benefits | $287,000 | 11,793 |
| Premises and equipment expense | $37,000 | 12,642 |
| Additional noninterest expense | $169,000 | 12,164 |
| Pre-tax net operating income | $75,000 | 12,021 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $76,000 | 12,045 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $76,000 | 12,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $5,000 | 8,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $75,000 | 11,884 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $920,000 | 13,157 |
| Total interest expense | $405,000 | 13,165 |
| Net interest income | $515,000 | 13,032 |
| Provision for loan and lease losses | $20,000 | 10,574 |
| Total noninterest income | $43,000 | 13,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 11,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $458,000 | 12,867 |
| Salaries and employee benefits | $262,000 | 12,472 |
| Premises and equipment expense | $44,000 | 12,911 |
| Additional noninterest expense | $152,000 | 12,921 |
| Pre-tax net operating income | $80,000 | 12,199 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $93,000 | 12,026 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $93,000 | 12,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $5,000 | 8,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $80,000 | 11,924 |
* 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.