Home > The First National Bank of Santo > Income and Expense
The First National Bank of Santo, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,775,000 | 5,841 |
| Total interest expense | $1,805,000 | 6,047 |
| Net interest income | $2,970,000 | 5,529 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $513,000 | 4,979 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $407,000 | 3,491 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $106,000 | 6,127 |
| Total noninterest expense | $2,501,000 | 5,609 |
| Salaries and employee benefits | $1,258,000 | 5,839 |
| Premises and equipment expense | $119,000 | 7,563 |
| Additional noninterest expense | $1,124,000 | 4,260 |
| Pre-tax net operating income | $982,000 | 4,775 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $388,000 | 3,064 |
| Income before extraordinary items | $594,000 | 5,370 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $594,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 2,270 |
| Cash dividends | $400,000 | 4,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $594,000 | 5,349 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,530,000 | 5,899 |
| Total interest expense | $1,355,000 | 6,082 |
| Net interest income | $2,175,000 | 5,624 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $360,000 | 5,139 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $276,000 | 3,684 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $84,000 | 6,082 |
| Total noninterest expense | $1,859,000 | 5,592 |
| Salaries and employee benefits | $913,000 | 5,917 |
| Premises and equipment expense | $229,000 | 5,734 |
| Additional noninterest expense | $717,000 | 4,726 |
| Pre-tax net operating income | $676,000 | 5,196 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $270,000 | 3,341 |
| Income before extraordinary items | $406,000 | 5,804 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $406,000 | 5,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,280 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $406,000 | 5,785 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,432,000 | 5,848 |
| Total interest expense | $915,000 | 6,065 |
| Net interest income | $1,517,000 | 5,531 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $216,000 | 5,425 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $183,000 | 3,690 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $33,000 | 6,866 |
| Total noninterest expense | $1,154,000 | 5,839 |
| Salaries and employee benefits | $591,000 | 6,064 |
| Premises and equipment expense | $145,000 | 5,910 |
| Additional noninterest expense | $418,000 | 5,145 |
| Pre-tax net operating income | $579,000 | 4,749 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $223,000 | 3,127 |
| Income before extraordinary items | $356,000 | 5,313 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $356,000 | 5,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 8,355 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $356,000 | 5,301 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,221,000 | 5,834 |
| Total interest expense | $459,000 | 6,050 |
| Net interest income | $762,000 | 5,542 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $109,000 | 5,358 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $96,000 | 3,535 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $13,000 | 7,127 |
| Total noninterest expense | $551,000 | 6,010 |
| Salaries and employee benefits | $283,000 | 6,224 |
| Premises and equipment expense | $72,000 | 5,967 |
| Additional noninterest expense | $196,000 | 5,325 |
| Pre-tax net operating income | $320,000 | 4,511 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $112,000 | 3,120 |
| Income before extraordinary items | $208,000 | 4,967 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $208,000 | 4,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 8,460 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $208,000 | 4,954 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,502,000 | 5,832 |
| Total interest expense | $1,579,000 | 5,994 |
| Net interest income | $2,923,000 | 5,605 |
| Provision for loan and lease losses | $283,000 | 2,898 |
| Total noninterest income | $603,000 | 4,716 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $486,000 | 3,114 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $117,000 | 6,059 |
| Total noninterest expense | $2,136,000 | 5,968 |
| Salaries and employee benefits | $1,125,000 | 6,094 |
| Premises and equipment expense | $325,000 | 5,530 |
| Additional noninterest expense | $686,000 | 5,698 |
| Pre-tax net operating income | $1,107,000 | 4,971 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $339,000 | 3,632 |
| Income before extraordinary items | $768,000 | 5,299 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $768,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,391 |
| Cash dividends | $100,000 | 5,417 |
| Sale, conversion, retirement of capital stock, net | $4,138,000 | 330 |
| Net operating income | $768,000 | 5,295 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,345,000 | 5,874 |
| Total interest expense | $1,174,000 | 5,958 |
| Net interest income | $2,171,000 | 5,680 |
| Provision for loan and lease losses | $264,000 | 2,386 |
| Total noninterest income | $486,000 | 4,551 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $381,000 | 3,038 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $105,000 | 5,756 |
| Total noninterest expense | $1,498,000 | 6,155 |
| Salaries and employee benefits | $777,000 | 6,310 |
| Premises and equipment expense | $253,000 | 5,442 |
| Additional noninterest expense | $468,000 | 5,959 |
| Pre-tax net operating income | $895,000 | 4,987 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $255,000 | 3,808 |
| Income before extraordinary items | $640,000 | 5,208 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $640,000 | 5,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 1,826 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $3,916,000 | 260 |
| Net operating income | $640,000 | 5,204 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,244,000 | 5,823 |
| Total interest expense | $779,000 | 5,875 |
| Net interest income | $1,465,000 | 5,677 |
| Provision for loan and lease losses | $247,000 | 1,783 |
| Total noninterest income | $351,000 | 4,343 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $268,000 | 2,927 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 5,507 |
| Total noninterest expense | $1,010,000 | 6,138 |
| Salaries and employee benefits | $509,000 | 6,387 |
| Premises and equipment expense | $189,000 | 5,108 |
| Additional noninterest expense | $312,000 | 5,950 |
| Pre-tax net operating income | $559,000 | 5,163 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $181,000 | 3,748 |
| Income before extraordinary items | $378,000 | 5,516 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $378,000 | 5,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 1,015 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $378,000 | 5,516 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,102,000 | 5,839 |
| Total interest expense | $382,000 | 5,812 |
| Net interest income | $720,000 | 5,721 |
| Provision for loan and lease losses | $203,000 | 1,124 |
| Total noninterest income | $168,000 | 4,368 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $132,000 | 2,871 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,743 |
| Total noninterest expense | $489,000 | 6,242 |
| Salaries and employee benefits | $257,000 | 6,382 |
| Premises and equipment expense | $76,000 | 5,765 |
| Additional noninterest expense | $156,000 | 5,942 |
| Pre-tax net operating income | $196,000 | 5,883 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $132,000 | 3,216 |
| Income before extraordinary items | $64,000 | 7,292 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $64,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 659 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $64,000 | 7,298 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,780,000 | 5,988 |
| Total interest expense | $1,035,000 | 6,213 |
| Net interest income | $2,745,000 | 5,784 |
| Provision for loan and lease losses | $374,000 | 2,399 |
| Total noninterest income | $519,000 | 5,167 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $443,000 | 3,315 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $76,000 | 6,827 |
| Total noninterest expense | $1,917,000 | 6,247 |
| Salaries and employee benefits | $1,015,000 | 6,317 |
| Premises and equipment expense | $306,000 | 5,684 |
| Additional noninterest expense | $596,000 | 6,082 |
| Pre-tax net operating income | $973,000 | 5,422 |
| Securities gains (losses) | $-67,000 | 8,295 |
| Applicable income taxes | $327,000 | 4,017 |
| Income before extraordinary items | $579,000 | 6,080 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $579,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,737 |
| Cash dividends | $100,000 | 5,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $621,880 | 5,899 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,808,000 | 5,985 |
| Total interest expense | $743,000 | 6,201 |
| Net interest income | $2,065,000 | 5,796 |
| Provision for loan and lease losses | $243,000 | 2,595 |
| Total noninterest income | $376,000 | 5,247 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $318,000 | 3,434 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $1,353,000 | 6,394 |
| Salaries and employee benefits | $708,000 | 6,508 |
| Premises and equipment expense | $230,000 | 5,668 |
| Additional noninterest expense | $415,000 | 6,266 |
| Pre-tax net operating income | $845,000 | 5,193 |
| Securities gains (losses) | $-44,000 | 8,431 |
| Applicable income taxes | $283,000 | 3,894 |
| Income before extraordinary items | $518,000 | 5,812 |
| Extraordinary gains, net | $-3,000 | 8,835 |
| Net income | $515,000 | 5,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,672 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $546,600 | 5,646 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,865,000 | 5,944 |
| Total interest expense | $486,000 | 6,107 |
| Net interest income | $1,379,000 | 5,765 |
| Provision for loan and lease losses | $181,000 | 2,297 |
| Total noninterest income | $237,000 | 5,354 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $199,000 | 3,528 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $38,000 | 6,863 |
| Total noninterest expense | $844,000 | 6,601 |
| Salaries and employee benefits | $467,000 | 6,537 |
| Premises and equipment expense | $131,000 | 6,080 |
| Additional noninterest expense | $246,000 | 6,582 |
| Pre-tax net operating income | $591,000 | 5,042 |
| Securities gains (losses) | $-36,000 | 8,520 |
| Applicable income taxes | $209,000 | 3,716 |
| Income before extraordinary items | $346,000 | 5,813 |
| Extraordinary gains, net | $-3,000 | 8,853 |
| Net income | $343,000 | 5,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,718 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $369,040 | 5,612 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 5,911 |
| Total interest expense | $237,000 | 6,114 |
| Net interest income | $706,000 | 5,708 |
| Provision for loan and lease losses | $20,000 | 4,626 |
| Total noninterest income | $94,000 | 5,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $88,000 | 3,734 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $427,000 | 6,591 |
| Salaries and employee benefits | $229,000 | 6,639 |
| Premises and equipment expense | $74,000 | 5,787 |
| Additional noninterest expense | $124,000 | 6,570 |
| Pre-tax net operating income | $353,000 | 4,575 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $115,000 | 3,530 |
| Income before extraordinary items | $238,000 | 4,983 |
| Extraordinary gains, net | $-3,000 | 8,923 |
| Net income | $235,000 | 5,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $238,000 | 4,944 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,631,000 | 5,863 |
| Total interest expense | $826,000 | 6,173 |
| Net interest income | $2,805,000 | 5,631 |
| Provision for loan and lease losses | $480,000 | 2,016 |
| Total noninterest income | $441,000 | 5,576 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $350,000 | 3,935 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $91,000 | 6,570 |
| Total noninterest expense | $1,747,000 | 6,451 |
| Salaries and employee benefits | $957,000 | 6,426 |
| Premises and equipment expense | $281,000 | 5,870 |
| Additional noninterest expense | $509,000 | 6,483 |
| Pre-tax net operating income | $1,019,000 | 5,193 |
| Securities gains (losses) | $-21,000 | 8,397 |
| Applicable income taxes | $306,000 | 4,146 |
| Income before extraordinary items | $692,000 | 5,620 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $692,000 | 5,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 1,329 |
| Cash dividends | $100,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $706,490 | 5,487 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,712,000 | 5,867 |
| Total interest expense | $617,000 | 6,177 |
| Net interest income | $2,095,000 | 5,640 |
| Provision for loan and lease losses | $414,000 | 1,721 |
| Total noninterest income | $334,000 | 5,576 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $268,000 | 3,929 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 6,636 |
| Total noninterest expense | $1,226,000 | 6,616 |
| Salaries and employee benefits | $674,000 | 6,570 |
| Premises and equipment expense | $205,000 | 5,910 |
| Additional noninterest expense | $347,000 | 6,745 |
| Pre-tax net operating income | $789,000 | 5,223 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $252,000 | 4,073 |
| Income before extraordinary items | $535,000 | 5,644 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $535,000 | 5,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 1,013 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $536,360 | 5,575 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,782,000 | 5,916 |
| Total interest expense | $414,000 | 6,197 |
| Net interest income | $1,368,000 | 5,702 |
| Provision for loan and lease losses | $339,000 | 1,405 |
| Total noninterest income | $210,000 | 5,711 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $170,000 | 4,045 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $40,000 | 6,793 |
| Total noninterest expense | $799,000 | 6,719 |
| Salaries and employee benefits | $457,000 | 6,568 |
| Premises and equipment expense | $138,000 | 5,916 |
| Additional noninterest expense | $204,000 | 7,084 |
| Pre-tax net operating income | $440,000 | 5,632 |
| Securities gains (losses) | $-23,000 | 8,817 |
| Applicable income taxes | $164,000 | 4,105 |
| Income before extraordinary items | $253,000 | 6,412 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $253,000 | 6,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 813 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $267,720 | 6,210 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $879,000 | 5,995 |
| Total interest expense | $217,000 | 6,120 |
| Net interest income | $662,000 | 5,817 |
| Provision for loan and lease losses | $144,000 | 1,588 |
| Total noninterest income | $105,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $81,000 | 4,084 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $418,000 | 6,635 |
| Salaries and employee benefits | $233,000 | 6,559 |
| Premises and equipment expense | $70,000 | 5,876 |
| Additional noninterest expense | $115,000 | 6,800 |
| Pre-tax net operating income | $205,000 | 5,768 |
| Securities gains (losses) | $-23,000 | 8,989 |
| Applicable income taxes | $47,000 | 4,925 |
| Income before extraordinary items | $135,000 | 6,250 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $135,000 | 6,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 657 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $152,020 | 5,861 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,481,000 | 6,058 |
| Total interest expense | $954,000 | 6,250 |
| Net interest income | $2,527,000 | 5,870 |
| Provision for loan and lease losses | $767,000 | 1,518 |
| Total noninterest income | $358,000 | 6,214 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $327,000 | 4,106 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $31,000 | 8,089 |
| Total noninterest expense | $1,738,000 | 6,460 |
| Salaries and employee benefits | $1,020,000 | 6,190 |
| Premises and equipment expense | $335,000 | 5,317 |
| Additional noninterest expense | $383,000 | 7,265 |
| Pre-tax net operating income | $380,000 | 7,121 |
| Securities gains (losses) | $-11,000 | 8,793 |
| Applicable income taxes | $102,000 | 5,702 |
| Income before extraordinary items | $267,000 | 7,439 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $267,000 | 7,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $737,000 | 1,170 |
| Cash dividends | $50,000 | 5,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $274,920 | 7,262 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,630,000 | 6,104 |
| Total interest expense | $734,000 | 6,332 |
| Net interest income | $1,896,000 | 5,898 |
| Provision for loan and lease losses | $615,000 | 1,376 |
| Total noninterest income | $248,000 | 6,425 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $239,000 | 4,180 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $1,261,000 | 6,542 |
| Salaries and employee benefits | $708,000 | 6,430 |
| Premises and equipment expense | $256,000 | 5,253 |
| Additional noninterest expense | $297,000 | 7,160 |
| Pre-tax net operating income | $268,000 | 7,343 |
| Securities gains (losses) | $-11,000 | 8,949 |
| Applicable income taxes | $48,000 | 6,237 |
| Income before extraordinary items | $209,000 | 7,540 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $209,000 | 7,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $589,000 | 1,027 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $217,910 | 7,322 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,753,000 | 6,147 |
| Total interest expense | $495,000 | 6,416 |
| Net interest income | $1,258,000 | 5,913 |
| Provision for loan and lease losses | $310,000 | 1,741 |
| Total noninterest income | $207,000 | 5,916 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $152,000 | 4,248 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $55,000 | 6,401 |
| Total noninterest expense | $841,000 | 6,556 |
| Salaries and employee benefits | $481,000 | 6,397 |
| Premises and equipment expense | $173,000 | 5,176 |
| Additional noninterest expense | $187,000 | 7,310 |
| Pre-tax net operating income | $314,000 | 6,414 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $132,000 | 4,702 |
| Income before extraordinary items | $186,000 | 7,096 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $186,000 | 7,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 1,682 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $183,440 | 6,940 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $864,000 | 6,225 |
| Total interest expense | $248,000 | 6,516 |
| Net interest income | $616,000 | 5,982 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $105,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $75,000 | 4,221 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $30,000 | 6,231 |
| Total noninterest expense | $394,000 | 6,764 |
| Salaries and employee benefits | $240,000 | 6,407 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $93,000 | 7,327 |
| Pre-tax net operating income | $237,000 | 5,426 |
| Securities gains (losses) | $4,000 | 2,461 |
| Applicable income taxes | $77,000 | 4,426 |
| Income before extraordinary items | $164,000 | 5,814 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $164,000 | 5,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 1,044 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $161,280 | 5,652 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,645,000 | 6,204 |
| Total interest expense | $1,144,000 | 6,558 |
| Net interest income | $2,501,000 | 5,909 |
| Provision for loan and lease losses | $388,000 | 2,917 |
| Total noninterest income | $364,000 | 6,011 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $302,000 | 4,218 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $62,000 | 7,289 |
| Total noninterest expense | $1,717,000 | 6,423 |
| Salaries and employee benefits | $1,004,000 | 6,132 |
| Premises and equipment expense | $302,000 | 5,555 |
| Additional noninterest expense | $411,000 | 7,074 |
| Pre-tax net operating income | $760,000 | 5,895 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $228,000 | 4,916 |
| Income before extraordinary items | $532,000 | 6,250 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $532,000 | 6,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 2,259 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $532,000 | 6,103 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,980,000 | 6,373 |
| Total interest expense | $1,943,000 | 6,183 |
| Net interest income | $2,037,000 | 6,380 |
| Provision for loan and lease losses | $316,000 | 3,093 |
| Total noninterest income | $347,000 | 6,044 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $290,000 | 4,241 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $57,000 | 7,479 |
| Total noninterest expense | $1,539,000 | 6,712 |
| Salaries and employee benefits | $914,000 | 6,307 |
| Premises and equipment expense | $322,000 | 5,306 |
| Additional noninterest expense | $303,000 | 7,841 |
| Pre-tax net operating income | $529,000 | 6,446 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $149,000 | 5,456 |
| Income before extraordinary items | $379,000 | 6,689 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $379,000 | 6,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,410 |
| Cash dividends | $22,000 | 6,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $379,720 | 6,556 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,742,000 | 6,690 |
| Total interest expense | $1,753,000 | 6,698 |
| Net interest income | $1,989,000 | 6,576 |
| Provision for loan and lease losses | $484,000 | 1,926 |
| Total noninterest income | $312,000 | 6,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 8,628 |
| Total noninterest expense | $1,401,000 | 6,997 |
| Salaries and employee benefits | $843,000 | 6,534 |
| Premises and equipment expense | $278,000 | 5,670 |
| Additional noninterest expense | $280,000 | 8,105 |
| Pre-tax net operating income | $416,000 | 7,388 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $110,000 | 6,390 |
| Income before extraordinary items | $302,000 | 7,456 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $302,000 | 7,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 1,387 |
| Cash dividends | $5,000 | 6,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $304,920 | 7,447 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,108,000 | 7,249 |
| Total interest expense | $1,405,000 | 7,185 |
| Net interest income | $1,703,000 | 7,192 |
| Provision for loan and lease losses | $146,000 | 4,335 |
| Total noninterest income | $314,000 | 6,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $1,392,000 | 7,055 |
| Salaries and employee benefits | $880,000 | 6,400 |
| Premises and equipment expense | $258,000 | 5,933 |
| Additional noninterest expense | $254,000 | 8,527 |
| Pre-tax net operating income | $479,000 | 7,232 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $147,000 | 6,313 |
| Income before extraordinary items | $334,000 | 7,375 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $334,000 | 7,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,651 |
| Cash dividends | $45,000 | 6,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $332,620 | 7,356 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,520,000 | 8,074 |
| Total interest expense | $1,009,000 | 8,400 |
| Net interest income | $1,511,000 | 7,666 |
| Provision for loan and lease losses | $190,000 | 3,612 |
| Total noninterest income | $247,000 | 7,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,570 |
| Total noninterest expense | $1,216,000 | 7,502 |
| Salaries and employee benefits | $721,000 | 7,071 |
| Premises and equipment expense | $197,000 | 6,767 |
| Additional noninterest expense | $298,000 | 8,136 |
| Pre-tax net operating income | $352,000 | 8,133 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $94,000 | 7,627 |
| Income before extraordinary items | $261,000 | 8,172 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $261,000 | 8,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,571 |
| Cash dividends | $45,000 | 6,969 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $258,780 | 8,115 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,280,000 | 8,659 |
| Total interest expense | $937,000 | 8,860 |
| Net interest income | $1,343,000 | 8,378 |
| Provision for loan and lease losses | $71,000 | 5,899 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $947,000 | 8,522 |
| Salaries and employee benefits | $582,000 | 8,043 |
| Premises and equipment expense | $163,000 | 7,518 |
| Additional noninterest expense | $202,000 | 9,391 |
| Pre-tax net operating income | $509,000 | 7,868 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $152,000 | 7,584 |
| Income before extraordinary items | $357,000 | 7,936 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $357,000 | 7,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,879 |
| Cash dividends | $15,000 | 7,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $357,000 | 7,880 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,180,000 | 9,126 |
| Total interest expense | $896,000 | 9,343 |
| Net interest income | $1,284,000 | 8,809 |
| Provision for loan and lease losses | $166,000 | 3,858 |
| Total noninterest income | $174,000 | 8,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 10,174 |
| Total noninterest expense | $955,000 | 8,858 |
| Salaries and employee benefits | $572,000 | 8,305 |
| Premises and equipment expense | $171,000 | 7,604 |
| Additional noninterest expense | $212,000 | 9,797 |
| Pre-tax net operating income | $337,000 | 8,880 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $84,000 | 9,042 |
| Income before extraordinary items | $253,000 | 8,806 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $253,000 | 8,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,379 |
| Cash dividends | $15,000 | 8,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $253,000 | 8,744 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 9,672 |
| Total interest expense | $806,000 | 9,921 |
| Net interest income | $1,223,000 | 9,269 |
| Provision for loan and lease losses | $94,000 | 4,768 |
| Total noninterest income | $168,000 | 8,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 6,741 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $888,000 | 9,400 |
| Salaries and employee benefits | $528,000 | 8,873 |
| Premises and equipment expense | $176,000 | 7,691 |
| Additional noninterest expense | $184,000 | 10,630 |
| Pre-tax net operating income | $409,000 | 9,011 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $116,000 | 8,861 |
| Income before extraordinary items | $295,000 | 8,990 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $295,000 | 8,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,027 |
| Cash dividends | $15,000 | 8,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $293,560 | 8,974 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 10,004 |
| Total interest expense | $640,000 | 10,407 |
| Net interest income | $1,253,000 | 9,611 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $169,000 | 9,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $900,000 | 9,775 |
| Salaries and employee benefits | $494,000 | 9,442 |
| Premises and equipment expense | $146,000 | 8,661 |
| Additional noninterest expense | $260,000 | 10,401 |
| Pre-tax net operating income | $402,000 | 9,348 |
| Securities gains (losses) | $8,000 | 2,362 |
| Applicable income taxes | $123,000 | 8,863 |
| Income before extraordinary items | $287,000 | 9,286 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $287,000 | 9,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,917 |
| Cash dividends | $15,000 | 8,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $281,400 | 9,416 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,773,000 | 10,650 |
| Total interest expense | $617,000 | 11,037 |
| Net interest income | $1,156,000 | 10,210 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $151,000 | 10,182 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $885,000 | 10,268 |
| Salaries and employee benefits | $445,000 | 10,204 |
| Premises and equipment expense | $149,000 | 8,943 |
| Additional noninterest expense | $291,000 | 10,559 |
| Pre-tax net operating income | $386,000 | 9,518 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $106,000 | 9,601 |
| Income before extraordinary items | $281,000 | 9,680 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $281,000 | 9,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 8,222 |
| Cash dividends | $15,000 | 8,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $280,270 | 9,436 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,743,000 | 11,435 |
| Total interest expense | $699,000 | 11,816 |
| Net interest income | $1,044,000 | 10,915 |
| Provision for loan and lease losses | $156,000 | 5,974 |
| Total noninterest income | $182,000 | 9,783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,869 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 12,406 |
| Total noninterest expense | $755,000 | 11,233 |
| Salaries and employee benefits | $410,000 | 10,742 |
| Premises and equipment expense | $134,000 | 9,571 |
| Additional noninterest expense | $211,000 | 12,085 |
| Pre-tax net operating income | $315,000 | 9,987 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $87,000 | 10,252 |
| Income before extraordinary items | $236,000 | 10,083 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $236,000 | 10,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 4,785 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $230,160 | 9,823 |
* 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.