Home > The Greene County Bank > Income and Expense
The Greene County Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,070,000 | 7,388 |
| Total interest expense | $563,000 | 6,804 |
| Net interest income | $507,000 | 7,682 |
| Provision for loan and lease losses | $166,000 | 3,446 |
| Total noninterest income | $229,000 | 5,175 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $43,000 | 6,136 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $186,000 | 3,904 |
| Total noninterest expense | $1,291,000 | 5,588 |
| Salaries and employee benefits | $458,000 | 6,694 |
| Premises and equipment expense | $95,000 | 6,841 |
| Additional noninterest expense | $738,000 | 3,571 |
| Pre-tax net operating income | $-721,000 | 7,752 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-721,000 | 7,852 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-721,000 | 7,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,770 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-721,000 | 7,830 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $560,000 | 7,382 |
| Total interest expense | $321,000 | 6,702 |
| Net interest income | $239,000 | 7,800 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $31,000 | 7,280 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $21,000 | 6,186 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $10,000 | 7,226 |
| Total noninterest expense | $371,000 | 6,976 |
| Salaries and employee benefits | $207,000 | 6,925 |
| Premises and equipment expense | $51,000 | 6,733 |
| Additional noninterest expense | $113,000 | 6,841 |
| Pre-tax net operating income | $-101,000 | 7,566 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-101,000 | 7,653 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-101,000 | 7,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-101,000 | 7,612 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 7,271 |
| Total interest expense | $1,578,000 | 6,320 |
| Net interest income | $848,000 | 7,929 |
| Provision for loan and lease losses | $528,000 | 2,251 |
| Total noninterest income | $162,000 | 7,021 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $78,000 | 6,337 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $84,000 | 6,467 |
| Total noninterest expense | $1,695,000 | 6,618 |
| Salaries and employee benefits | $794,000 | 6,991 |
| Premises and equipment expense | $272,000 | 6,013 |
| Additional noninterest expense | $629,000 | 6,016 |
| Pre-tax net operating income | $-1,213,000 | 8,118 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-1,213,000 | 8,169 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,213,000 | 8,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,287 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,213,000 | 8,162 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,017,000 | 7,104 |
| Total interest expense | $1,229,000 | 6,281 |
| Net interest income | $788,000 | 7,724 |
| Provision for loan and lease losses | $528,000 | 1,495 |
| Total noninterest income | $90,000 | 7,426 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $58,000 | 6,367 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $32,000 | 7,274 |
| Total noninterest expense | $1,377,000 | 6,411 |
| Salaries and employee benefits | $582,000 | 7,015 |
| Premises and equipment expense | $188,000 | 6,231 |
| Additional noninterest expense | $607,000 | 5,258 |
| Pre-tax net operating income | $-1,027,000 | 8,301 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-1,027,000 | 8,336 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,027,000 | 8,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,863 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-1,027,000 | 8,329 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,303,000 | 7,210 |
| Total interest expense | $861,000 | 6,223 |
| Net interest income | $442,000 | 7,995 |
| Provision for loan and lease losses | $523,000 | 994 |
| Total noninterest income | $62,000 | 7,433 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $43,000 | 6,285 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $19,000 | 7,424 |
| Total noninterest expense | $852,000 | 6,659 |
| Salaries and employee benefits | $374,000 | 7,142 |
| Premises and equipment expense | $122,000 | 6,326 |
| Additional noninterest expense | $356,000 | 5,641 |
| Pre-tax net operating income | $-871,000 | 8,428 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-871,000 | 8,456 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-871,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,089 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-871,000 | 8,447 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $645,000 | 7,257 |
| Total interest expense | $439,000 | 6,178 |
| Net interest income | $206,000 | 8,135 |
| Provision for loan and lease losses | $253,000 | 952 |
| Total noninterest income | $37,000 | 7,221 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $24,000 | 6,111 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $13,000 | 7,127 |
| Total noninterest expense | $428,000 | 6,667 |
| Salaries and employee benefits | $184,000 | 7,222 |
| Premises and equipment expense | $94,000 | 5,233 |
| Additional noninterest expense | $150,000 | 6,119 |
| Pre-tax net operating income | $-438,000 | 8,496 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-438,000 | 8,515 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-438,000 | 8,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 1,440 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-438,000 | 8,509 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,547,000 | 7,104 |
| Total interest expense | $1,741,000 | 5,769 |
| Net interest income | $806,000 | 8,088 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $141,000 | 7,378 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $85,000 | 6,362 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $56,000 | 7,129 |
| Total noninterest expense | $1,289,000 | 7,250 |
| Salaries and employee benefits | $804,000 | 6,939 |
| Premises and equipment expense | $163,000 | 7,104 |
| Additional noninterest expense | $322,000 | 7,459 |
| Pre-tax net operating income | $-342,000 | 8,193 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-96,000 | 8,366 |
| Income before extraordinary items | $-246,000 | 8,177 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-246,000 | 8,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,486 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 601 |
| Net operating income | $-246,000 | 8,176 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,850,000 | 7,205 |
| Total interest expense | $1,267,000 | 5,782 |
| Net interest income | $583,000 | 8,189 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $96,000 | 7,569 |
| 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 | $34,000 | 7,391 |
| Total noninterest expense | $961,000 | 7,259 |
| Salaries and employee benefits | $574,000 | 7,062 |
| Premises and equipment expense | $180,000 | 6,340 |
| Additional noninterest expense | $207,000 | 7,725 |
| Pre-tax net operating income | $-282,000 | 8,340 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-103,000 | 8,563 |
| Income before extraordinary items | $-179,000 | 8,311 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-179,000 | 8,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,178 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-179,000 | 8,304 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,226,000 | 7,222 |
| Total interest expense | $805,000 | 5,792 |
| Net interest income | $421,000 | 8,167 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $73,000 | 7,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $42,000 | 6,470 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,060 |
| Total noninterest expense | $648,000 | 7,273 |
| Salaries and employee benefits | $372,000 | 7,161 |
| Premises and equipment expense | $37,000 | 8,150 |
| Additional noninterest expense | $239,000 | 6,683 |
| Pre-tax net operating income | $-154,000 | 8,377 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-15,000 | 8,509 |
| Income before extraordinary items | $-139,000 | 8,380 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-139,000 | 8,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-139,000 | 8,379 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $615,000 | 7,215 |
| Total interest expense | $393,000 | 5,751 |
| Net interest income | $222,000 | 8,140 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $37,000 | 7,412 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 6,929 |
| Total noninterest expense | $303,000 | 7,414 |
| Salaries and employee benefits | $178,000 | 7,285 |
| Premises and equipment expense | $18,000 | 8,165 |
| Additional noninterest expense | $107,000 | 6,942 |
| Pre-tax net operating income | $-44,000 | 8,366 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-44,000 | 8,371 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-44,000 | 8,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-44,000 | 8,357 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,822,000 | 7,616 |
| Total interest expense | $932,000 | 6,455 |
| Net interest income | $890,000 | 8,100 |
| Provision for loan and lease losses | $8,000 | 6,877 |
| Total noninterest income | $100,000 | 7,941 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $56,000 | 6,984 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $44,000 | 7,520 |
| Total noninterest expense | $980,000 | 7,782 |
| Salaries and employee benefits | $629,000 | 7,520 |
| Premises and equipment expense | $69,000 | 8,239 |
| Additional noninterest expense | $282,000 | 7,749 |
| Pre-tax net operating income | $2,000 | 8,235 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $2,000 | 8,273 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,000 | 8,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,385 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,000 | 8,245 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,334,000 | 7,680 |
| Total interest expense | $653,000 | 6,534 |
| Net interest income | $681,000 | 8,123 |
| Provision for loan and lease losses | $8,000 | 6,628 |
| Total noninterest income | $76,000 | 7,967 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $41,000 | 7,060 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,480 |
| Total noninterest expense | $698,000 | 7,847 |
| Salaries and employee benefits | $444,000 | 7,624 |
| Premises and equipment expense | $80,000 | 7,786 |
| Additional noninterest expense | $174,000 | 8,031 |
| Pre-tax net operating income | $51,000 | 8,186 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,000 | 6,760 |
| Income before extraordinary items | $48,000 | 8,194 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $48,000 | 8,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,558 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $48,000 | 8,161 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $896,000 | 7,660 |
| Total interest expense | $412,000 | 6,535 |
| Net interest income | $484,000 | 8,047 |
| Provision for loan and lease losses | $8,000 | 6,231 |
| Total noninterest income | $47,000 | 8,031 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $27,000 | 7,065 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $20,000 | 7,651 |
| Total noninterest expense | $471,000 | 7,845 |
| Salaries and employee benefits | $295,000 | 7,641 |
| Premises and equipment expense | $60,000 | 7,621 |
| Additional noninterest expense | $116,000 | 8,028 |
| Pre-tax net operating income | $52,000 | 8,127 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,000 | 6,480 |
| Income before extraordinary items | $44,000 | 8,148 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $44,000 | 8,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $44,000 | 8,116 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $431,000 | 7,767 |
| Total interest expense | $184,000 | 6,741 |
| Net interest income | $247,000 | 8,087 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $23,000 | 8,065 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $13,000 | 7,104 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,741 |
| Total noninterest expense | $233,000 | 7,927 |
| Salaries and employee benefits | $144,000 | 7,735 |
| Premises and equipment expense | $26,000 | 7,883 |
| Additional noninterest expense | $63,000 | 7,956 |
| Pre-tax net operating income | $37,000 | 8,060 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $8,000 | 6,187 |
| Income before extraordinary items | $29,000 | 8,102 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $29,000 | 8,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $29,000 | 8,074 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 7,848 |
| Total interest expense | $490,000 | 7,340 |
| Net interest income | $1,043,000 | 7,955 |
| Provision for loan and lease losses | $17,000 | 6,824 |
| Total noninterest income | $111,000 | 7,953 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $60,000 | 7,117 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $51,000 | 7,386 |
| Total noninterest expense | $1,003,000 | 7,812 |
| Salaries and employee benefits | $656,000 | 7,451 |
| Premises and equipment expense | $64,000 | 8,432 |
| Additional noninterest expense | $283,000 | 7,795 |
| Pre-tax net operating income | $134,000 | 8,006 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $26,000 | 6,429 |
| Income before extraordinary items | $108,000 | 8,053 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $108,000 | 8,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,492 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $108,000 | 8,010 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,115,000 | 7,929 |
| Total interest expense | $340,000 | 7,507 |
| Net interest income | $775,000 | 8,000 |
| Provision for loan and lease losses | $17,000 | 6,493 |
| Total noninterest income | $83,000 | 8,019 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $45,000 | 7,167 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 7,412 |
| Total noninterest expense | $707,000 | 7,900 |
| Salaries and employee benefits | $464,000 | 7,540 |
| Premises and equipment expense | $46,000 | 8,464 |
| Additional noninterest expense | $197,000 | 7,929 |
| Pre-tax net operating income | $134,000 | 7,976 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $30,000 | 6,288 |
| Income before extraordinary items | $104,000 | 8,049 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $104,000 | 8,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,639 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $104,000 | 7,997 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $707,000 | 8,083 |
| Total interest expense | $208,000 | 7,706 |
| Net interest income | $499,000 | 8,102 |
| Provision for loan and lease losses | $4,000 | 6,726 |
| Total noninterest income | $57,000 | 8,035 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $29,000 | 7,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $28,000 | 7,329 |
| Total noninterest expense | $450,000 | 8,022 |
| Salaries and employee benefits | $311,000 | 7,577 |
| Premises and equipment expense | $20,000 | 8,782 |
| Additional noninterest expense | $119,000 | 8,102 |
| Pre-tax net operating income | $102,000 | 7,911 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $8,000 | 6,728 |
| Income before extraordinary items | $94,000 | 7,834 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $94,000 | 7,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,704 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $94,000 | 7,772 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $350,000 | 8,135 |
| Total interest expense | $105,000 | 7,759 |
| Net interest income | $245,000 | 8,157 |
| Provision for loan and lease losses | $4,000 | 6,169 |
| Total noninterest income | $29,000 | 8,016 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $13,000 | 7,319 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $16,000 | 7,156 |
| Total noninterest expense | $229,000 | 8,034 |
| Salaries and employee benefits | $153,000 | 7,649 |
| Premises and equipment expense | $8,000 | 8,874 |
| Additional noninterest expense | $68,000 | 7,939 |
| Pre-tax net operating income | $41,000 | 8,036 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $4,000 | 6,676 |
| Income before extraordinary items | $37,000 | 8,024 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $37,000 | 8,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,748 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $37,000 | 7,962 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,461,000 | 8,118 |
| Total interest expense | $501,000 | 7,739 |
| Net interest income | $960,000 | 8,166 |
| Provision for loan and lease losses | $5,000 | 7,519 |
| Total noninterest income | $166,000 | 7,656 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $66,000 | 7,169 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $100,000 | 6,539 |
| Total noninterest expense | $981,000 | 7,928 |
| Salaries and employee benefits | $613,000 | 7,640 |
| Premises and equipment expense | $87,000 | 8,237 |
| Additional noninterest expense | $281,000 | 7,887 |
| Pre-tax net operating income | $140,000 | 8,049 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $47,000 | 6,333 |
| Income before extraordinary items | $93,000 | 8,258 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $93,000 | 8,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,259 |
| Cash dividends | $30,000 | 6,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $93,000 | 8,150 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,127,000 | 8,165 |
| Total interest expense | $397,000 | 7,782 |
| Net interest income | $730,000 | 8,207 |
| Provision for loan and lease losses | $5,000 | 7,333 |
| Total noninterest income | $106,000 | 7,949 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $48,000 | 7,257 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $58,000 | 7,004 |
| Total noninterest expense | $690,000 | 8,044 |
| Salaries and employee benefits | $436,000 | 7,736 |
| Premises and equipment expense | $62,000 | 8,334 |
| Additional noninterest expense | $192,000 | 8,066 |
| Pre-tax net operating income | $141,000 | 8,018 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $31,000 | 6,549 |
| Income before extraordinary items | $110,000 | 8,159 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $110,000 | 8,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,773 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $110,000 | 8,024 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $791,000 | 8,149 |
| Total interest expense | $274,000 | 7,833 |
| Net interest income | $517,000 | 8,163 |
| Provision for loan and lease losses | $5,000 | 7,119 |
| Total noninterest income | $81,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $32,000 | 7,257 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $49,000 | 6,605 |
| Total noninterest expense | $457,000 | 8,076 |
| Salaries and employee benefits | $294,000 | 7,736 |
| Premises and equipment expense | $43,000 | 8,290 |
| Additional noninterest expense | $120,000 | 8,170 |
| Pre-tax net operating income | $136,000 | 7,716 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $41,000 | 6,076 |
| Income before extraordinary items | $95,000 | 8,007 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $95,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,683 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $95,000 | 7,842 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $413,000 | 8,119 |
| Total interest expense | $146,000 | 7,812 |
| Net interest income | $267,000 | 8,150 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $55,000 | 7,195 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $17,000 | 7,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 5,786 |
| Total noninterest expense | $240,000 | 8,013 |
| Salaries and employee benefits | $148,000 | 7,751 |
| Premises and equipment expense | $19,000 | 8,461 |
| Additional noninterest expense | $73,000 | 7,858 |
| Pre-tax net operating income | $80,000 | 7,523 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $12,000 | 6,453 |
| Income before extraordinary items | $68,000 | 7,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $68,000 | 7,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $68,000 | 7,377 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,076,000 | 7,763 |
| Total interest expense | $747,000 | 7,669 |
| Net interest income | $1,329,000 | 7,717 |
| Provision for loan and lease losses | $205,000 | 4,288 |
| Total noninterest income | $129,000 | 8,074 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $68,000 | 7,172 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 7,318 |
| Total noninterest expense | $1,013,000 | 7,908 |
| Salaries and employee benefits | $632,000 | 7,580 |
| Premises and equipment expense | $97,000 | 8,210 |
| Additional noninterest expense | $284,000 | 7,922 |
| Pre-tax net operating income | $240,000 | 7,786 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $98,000 | 5,981 |
| Income before extraordinary items | $142,000 | 8,133 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $142,000 | 8,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 4,084 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $142,000 | 8,020 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,378,000 | 7,872 |
| Total interest expense | $1,209,000 | 7,596 |
| Net interest income | $1,169,000 | 7,946 |
| Provision for loan and lease losses | $3,000 | 8,160 |
| Total noninterest income | $146,000 | 7,900 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $76,000 | 7,054 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $70,000 | 7,115 |
| Total noninterest expense | $1,021,000 | 7,899 |
| Salaries and employee benefits | $619,000 | 7,581 |
| Premises and equipment expense | $114,000 | 8,091 |
| Additional noninterest expense | $288,000 | 7,951 |
| Pre-tax net operating income | $291,000 | 7,455 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $90,000 | 6,131 |
| Income before extraordinary items | $201,000 | 7,728 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $201,000 | 7,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,961 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $201,000 | 7,605 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,338,000 | 8,085 |
| Total interest expense | $1,216,000 | 7,770 |
| Net interest income | $1,122,000 | 8,241 |
| Provision for loan and lease losses | $1,000 | 8,301 |
| Total noninterest income | $175,000 | 7,536 |
| 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 | $82,000 | 6,864 |
| Total noninterest expense | $1,027,000 | 7,939 |
| Salaries and employee benefits | $613,000 | 7,631 |
| Premises and equipment expense | $117,000 | 8,155 |
| Additional noninterest expense | $297,000 | 7,968 |
| Pre-tax net operating income | $269,000 | 8,033 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $97,000 | 6,545 |
| Income before extraordinary items | $172,000 | 8,262 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $172,000 | 8,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,148 |
| Cash dividends | $240,000 | 4,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $172,000 | 8,265 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,147,000 | 8,336 |
| Total interest expense | $1,010,000 | 8,154 |
| Net interest income | $1,137,000 | 8,326 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $132,000 | 8,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 6,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,550 |
| Total noninterest expense | $983,000 | 8,181 |
| Salaries and employee benefits | $653,000 | 7,471 |
| Premises and equipment expense | $82,000 | 8,984 |
| Additional noninterest expense | $248,000 | 8,575 |
| Pre-tax net operating income | $216,000 | 8,498 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $38,000 | 7,850 |
| Income before extraordinary items | $178,000 | 8,447 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $178,000 | 8,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,792 |
| Cash dividends | $200,000 | 5,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $178,000 | 8,415 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,148,000 | 8,506 |
| Total interest expense | $1,079,000 | 8,206 |
| Net interest income | $1,069,000 | 8,639 |
| Provision for loan and lease losses | $2,000 | 8,582 |
| Total noninterest income | $121,000 | 8,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,338 |
| Total noninterest expense | $1,092,000 | 7,850 |
| Salaries and employee benefits | $707,000 | 7,143 |
| Premises and equipment expense | $114,000 | 8,398 |
| Additional noninterest expense | $271,000 | 8,393 |
| Pre-tax net operating income | $96,000 | 9,427 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $78,000 | 7,853 |
| Income before extraordinary items | $18,000 | 9,764 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $18,000 | 9,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $18,000 | 9,709 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,246,000 | 8,718 |
| Total interest expense | $1,039,000 | 8,582 |
| Net interest income | $1,207,000 | 8,663 |
| Provision for loan and lease losses | $2,000 | 8,765 |
| Total noninterest income | $140,000 | 8,735 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,049 |
| Total noninterest expense | $1,031,000 | 8,243 |
| Salaries and employee benefits | $612,000 | 7,838 |
| Premises and equipment expense | $137,000 | 8,082 |
| Additional noninterest expense | $282,000 | 8,504 |
| Pre-tax net operating income | $314,000 | 8,920 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $80,000 | 8,742 |
| Income before extraordinary items | $234,000 | 8,878 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $234,000 | 8,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,655 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $234,000 | 8,847 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,103,000 | 9,245 |
| Total interest expense | $996,000 | 9,021 |
| Net interest income | $1,107,000 | 9,261 |
| Provision for loan and lease losses | $11,000 | 8,496 |
| Total noninterest income | $293,000 | 7,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 7,775 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 5,093 |
| Total noninterest expense | $1,105,000 | 8,317 |
| Salaries and employee benefits | $650,000 | 7,843 |
| Premises and equipment expense | $140,000 | 8,281 |
| Additional noninterest expense | $315,000 | 8,723 |
| Pre-tax net operating income | $284,000 | 9,237 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $75,000 | 9,249 |
| Income before extraordinary items | $209,000 | 9,213 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $209,000 | 9,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 10,916 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $209,000 | 9,161 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,991,000 | 9,733 |
| Total interest expense | $948,000 | 9,434 |
| Net interest income | $1,043,000 | 9,800 |
| Provision for loan and lease losses | $52,000 | 6,119 |
| Total noninterest income | $332,000 | 6,696 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 8,553 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $260,000 | 4,378 |
| Total noninterest expense | $1,209,000 | 8,178 |
| Salaries and employee benefits | $506,000 | 9,065 |
| Premises and equipment expense | $108,000 | 9,386 |
| Additional noninterest expense | $595,000 | 6,569 |
| Pre-tax net operating income | $114,000 | 11,005 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-41,000 | 11,619 |
| Income before extraordinary items | $155,000 | 10,416 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $155,000 | 10,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,916 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $155,000 | 10,391 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,499,000 | 10,734 |
| Total interest expense | $515,000 | 11,039 |
| Net interest income | $984,000 | 10,441 |
| Provision for loan and lease losses | $62,000 | 5,552 |
| Total noninterest income | $186,000 | 8,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,360 |
| Total noninterest expense | $1,062,000 | 9,115 |
| Salaries and employee benefits | $546,000 | 8,991 |
| Premises and equipment expense | $135,000 | 8,947 |
| Additional noninterest expense | $381,000 | 9,026 |
| Pre-tax net operating income | $46,000 | 11,926 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $9,000 | 11,400 |
| Income before extraordinary items | $37,000 | 11,882 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $37,000 | 11,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 11,826 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $37,000 | 11,917 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,483,000 | 11,280 |
| Total interest expense | $453,000 | 11,925 |
| Net interest income | $1,030,000 | 10,676 |
| Provision for loan and lease losses | $11,000 | 9,693 |
| Total noninterest income | $146,000 | 10,287 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 9,758 |
| Total noninterest expense | $903,000 | 10,182 |
| Salaries and employee benefits | $529,000 | 9,389 |
| Premises and equipment expense | $128,000 | 9,539 |
| Additional noninterest expense | $246,000 | 11,132 |
| Pre-tax net operating income | $262,000 | 10,535 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $17,000 | 11,667 |
| Income before extraordinary items | $245,000 | 10,104 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $245,000 | 10,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,961 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $245,000 | 9,857 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,782,000 | 11,348 |
| Total interest expense | $646,000 | 12,080 |
| Net interest income | $1,136,000 | 10,571 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $123,000 | 11,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 13,064 |
| Total noninterest expense | $995,000 | 10,005 |
| Salaries and employee benefits | $523,000 | 9,558 |
| Premises and equipment expense | $119,000 | 10,050 |
| Additional noninterest expense | $353,000 | 10,154 |
| Pre-tax net operating income | $228,000 | 10,812 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $33,000 | 11,726 |
| Income before extraordinary items | $195,000 | 10,664 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $195,000 | 10,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 7,091 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $195,000 | 10,329 |
* 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.