Home > The Hernando County Bank > Income and Expense
The Hernando County Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,279,000 | 6,662 |
| Total interest expense | $1,199,000 | 6,873 |
| Net interest income | $2,080,000 | 6,405 |
| Provision for loan and lease losses | $3,000 | 6,787 |
| Total noninterest income | $630,000 | 4,539 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $530,000 | 2,920 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $100,000 | 6,213 |
| Total noninterest expense | $2,238,000 | 5,903 |
| Salaries and employee benefits | $997,000 | 6,436 |
| Premises and equipment expense | $223,000 | 6,509 |
| Additional noninterest expense | $1,018,000 | 4,605 |
| Pre-tax net operating income | $469,000 | 6,083 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $469,000 | 5,793 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $469,000 | 5,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,400 |
| Cash dividends | $470,000 | 3,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $469,000 | 5,789 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,462,000 | 6,688 |
| Total interest expense | $866,000 | 6,963 |
| Net interest income | $1,596,000 | 6,398 |
| Provision for loan and lease losses | $3,000 | 6,442 |
| Total noninterest income | $477,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $400,000 | 2,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $77,000 | 6,222 |
| Total noninterest expense | $1,692,000 | 5,866 |
| Salaries and employee benefits | $753,000 | 6,418 |
| Premises and equipment expense | $166,000 | 6,532 |
| Additional noninterest expense | $773,000 | 4,483 |
| Pre-tax net operating income | $378,000 | 6,250 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $378,000 | 5,935 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $378,000 | 5,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,809 |
| Cash dividends | $270,000 | 3,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $378,000 | 5,921 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,642,000 | 6,730 |
| Total interest expense | $551,000 | 7,067 |
| Net interest income | $1,091,000 | 6,401 |
| Provision for loan and lease losses | $3,000 | 6,090 |
| Total noninterest income | $319,000 | 4,530 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $265,000 | 2,905 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $54,000 | 6,160 |
| Total noninterest expense | $1,132,000 | 5,895 |
| Salaries and employee benefits | $506,000 | 6,452 |
| Premises and equipment expense | $109,000 | 6,588 |
| Additional noninterest expense | $517,000 | 4,472 |
| Pre-tax net operating income | $275,000 | 6,192 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $275,000 | 5,842 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $275,000 | 5,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $145,000 | 3,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $275,000 | 5,823 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $812,000 | 6,786 |
| Total interest expense | $260,000 | 7,178 |
| Net interest income | $552,000 | 6,390 |
| Provision for loan and lease losses | $2,000 | 5,657 |
| Total noninterest income | $158,000 | 4,514 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $130,000 | 2,901 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $562,000 | 5,956 |
| Salaries and employee benefits | $254,000 | 6,490 |
| Premises and equipment expense | $52,000 | 6,733 |
| Additional noninterest expense | $256,000 | 4,457 |
| Pre-tax net operating income | $146,000 | 6,101 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $146,000 | 5,695 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $146,000 | 5,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $146,000 | 5,681 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,470,000 | 6,441 |
| Total interest expense | $921,000 | 7,089 |
| Net interest income | $2,549,000 | 5,972 |
| Provision for loan and lease losses | $12,000 | 6,496 |
| Total noninterest income | $643,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $545,000 | 2,880 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $98,000 | 6,364 |
| Total noninterest expense | $2,249,000 | 5,807 |
| Salaries and employee benefits | $994,000 | 6,415 |
| Premises and equipment expense | $219,000 | 6,526 |
| Additional noninterest expense | $1,036,000 | 4,396 |
| Pre-tax net operating income | $931,000 | 5,350 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $931,000 | 4,861 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $931,000 | 4,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $1,000,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $931,000 | 4,854 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 6,411 |
| Total interest expense | $687,000 | 7,092 |
| Net interest income | $1,975,000 | 5,937 |
| Provision for loan and lease losses | $9,000 | 6,392 |
| Total noninterest income | $475,000 | 4,624 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $400,000 | 2,951 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $75,000 | 6,322 |
| Total noninterest expense | $1,711,000 | 5,764 |
| Salaries and employee benefits | $749,000 | 6,410 |
| Premises and equipment expense | $165,000 | 6,536 |
| Additional noninterest expense | $797,000 | 4,274 |
| Pre-tax net operating income | $730,000 | 5,417 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $730,000 | 4,921 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $730,000 | 4,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $475,000 | 3,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $730,000 | 4,907 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,823,000 | 6,353 |
| Total interest expense | $465,000 | 6,995 |
| Net interest income | $1,358,000 | 5,888 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $306,000 | 4,686 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $255,000 | 3,027 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $51,000 | 6,354 |
| Total noninterest expense | $1,167,000 | 5,700 |
| Salaries and employee benefits | $503,000 | 6,426 |
| Premises and equipment expense | $109,000 | 6,577 |
| Additional noninterest expense | $555,000 | 4,157 |
| Pre-tax net operating income | $491,000 | 5,444 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $491,000 | 4,919 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $491,000 | 4,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $200,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $491,000 | 4,910 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $920,000 | 6,300 |
| Total interest expense | $242,000 | 6,847 |
| Net interest income | $678,000 | 5,901 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $154,000 | 4,607 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $129,000 | 2,926 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $574,000 | 5,760 |
| Salaries and employee benefits | $248,000 | 6,475 |
| Premises and equipment expense | $53,000 | 6,629 |
| Additional noninterest expense | $273,000 | 4,200 |
| Pre-tax net operating income | $255,000 | 5,325 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $255,000 | 4,814 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $255,000 | 4,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $255,000 | 4,793 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,453,000 | 6,222 |
| Total interest expense | $653,000 | 7,181 |
| Net interest income | $2,800,000 | 5,719 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $607,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $512,000 | 3,004 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $95,000 | 6,482 |
| Total noninterest expense | $2,165,000 | 5,831 |
| Salaries and employee benefits | $946,000 | 6,515 |
| Premises and equipment expense | $217,000 | 6,552 |
| Additional noninterest expense | $1,002,000 | 4,415 |
| Pre-tax net operating income | $1,230,000 | 4,851 |
| Securities gains (losses) | $68,000 | 840 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,298,000 | 4,157 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,298,000 | 4,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $1,080,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,230,000 | 4,258 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,536,000 | 6,272 |
| Total interest expense | $422,000 | 7,382 |
| Net interest income | $2,114,000 | 5,718 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $454,000 | 4,795 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $384,000 | 3,004 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $70,000 | 6,519 |
| Total noninterest expense | $1,624,000 | 5,804 |
| Salaries and employee benefits | $708,000 | 6,508 |
| Premises and equipment expense | $162,000 | 6,537 |
| Additional noninterest expense | $754,000 | 4,382 |
| Pre-tax net operating income | $935,000 | 4,938 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $935,000 | 4,355 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $935,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $600,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $935,000 | 4,302 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,646,000 | 6,298 |
| Total interest expense | $236,000 | 7,614 |
| Net interest income | $1,410,000 | 5,691 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $297,000 | 4,818 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $250,000 | 3,011 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $47,000 | 6,506 |
| Total noninterest expense | $1,077,000 | 5,818 |
| Salaries and employee benefits | $469,000 | 6,526 |
| Premises and equipment expense | $109,000 | 6,513 |
| Additional noninterest expense | $499,000 | 4,381 |
| Pre-tax net operating income | $624,000 | 4,914 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $624,000 | 4,316 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $624,000 | 4,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $624,000 | 4,255 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $799,000 | 6,385 |
| Total interest expense | $100,000 | 7,842 |
| Net interest income | $699,000 | 5,735 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $140,000 | 4,884 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $117,000 | 3,099 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,629 |
| Total noninterest expense | $534,000 | 5,877 |
| Salaries and employee benefits | $233,000 | 6,576 |
| Premises and equipment expense | $60,000 | 6,332 |
| Additional noninterest expense | $241,000 | 4,475 |
| Pre-tax net operating income | $302,000 | 4,974 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $302,000 | 4,363 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $302,000 | 4,364 |
| 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 | $302,000 | 4,320 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,951,000 | 6,474 |
| Total interest expense | $377,000 | 7,776 |
| Net interest income | $2,574,000 | 5,921 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $633,000 | 4,678 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $541,000 | 2,968 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $92,000 | 6,549 |
| Total noninterest expense | $2,078,000 | 5,886 |
| Salaries and employee benefits | $946,000 | 6,458 |
| Premises and equipment expense | $210,000 | 6,637 |
| Additional noninterest expense | $922,000 | 4,615 |
| Pre-tax net operating income | $1,117,000 | 4,959 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,117,000 | 4,390 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,117,000 | 4,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $1,095,000 | 2,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,117,000 | 4,315 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,174,000 | 6,530 |
| Total interest expense | $286,000 | 7,784 |
| Net interest income | $1,888,000 | 5,987 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $483,000 | 4,637 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $414,000 | 2,925 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $69,000 | 6,565 |
| Total noninterest expense | $1,551,000 | 5,858 |
| Salaries and employee benefits | $711,000 | 6,415 |
| Premises and equipment expense | $155,000 | 6,655 |
| Additional noninterest expense | $685,000 | 4,610 |
| Pre-tax net operating income | $811,000 | 5,149 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $811,000 | 4,595 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $811,000 | 4,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $485,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $811,000 | 4,505 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 6,631 |
| Total interest expense | $191,000 | 7,838 |
| Net interest income | $1,226,000 | 6,095 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $310,000 | 4,745 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $262,000 | 3,030 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 6,492 |
| Total noninterest expense | $1,036,000 | 5,893 |
| Salaries and employee benefits | $477,000 | 6,449 |
| Premises and equipment expense | $103,000 | 6,721 |
| Additional noninterest expense | $456,000 | 4,639 |
| Pre-tax net operating income | $494,000 | 5,336 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $494,000 | 4,769 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $494,000 | 4,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $220,000 | 3,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $494,000 | 4,676 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $694,000 | 6,743 |
| Total interest expense | $97,000 | 7,890 |
| Net interest income | $597,000 | 6,179 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $154,000 | 4,708 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $130,000 | 2,974 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $520,000 | 5,920 |
| Salaries and employee benefits | $241,000 | 6,462 |
| Premises and equipment expense | $54,000 | 6,592 |
| Additional noninterest expense | $225,000 | 4,652 |
| Pre-tax net operating income | $228,000 | 5,515 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $228,000 | 5,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $228,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $228,000 | 4,871 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,902,000 | 6,642 |
| Total interest expense | $519,000 | 7,675 |
| Net interest income | $2,383,000 | 6,051 |
| Provision for loan and lease losses | $26,000 | 6,885 |
| Total noninterest income | $633,000 | 4,827 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $541,000 | 2,922 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $92,000 | 6,661 |
| Total noninterest expense | $1,957,000 | 6,060 |
| Salaries and employee benefits | $894,000 | 6,611 |
| Premises and equipment expense | $270,000 | 5,966 |
| Additional noninterest expense | $793,000 | 5,074 |
| Pre-tax net operating income | $1,033,000 | 5,091 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,033,000 | 4,554 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,033,000 | 4,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $1,015,000 | 2,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,033,000 | 4,383 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,200,000 | 6,680 |
| Total interest expense | $411,000 | 7,723 |
| Net interest income | $1,789,000 | 6,072 |
| Provision for loan and lease losses | $23,000 | 6,658 |
| Total noninterest income | $468,000 | 4,916 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $398,000 | 2,958 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $70,000 | 6,710 |
| Total noninterest expense | $1,476,000 | 6,021 |
| Salaries and employee benefits | $664,000 | 6,633 |
| Premises and equipment expense | $216,000 | 5,767 |
| Additional noninterest expense | $596,000 | 5,024 |
| Pre-tax net operating income | $758,000 | 5,301 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $758,000 | 4,750 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $758,000 | 4,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $475,000 | 2,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $758,000 | 4,566 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,483,000 | 6,702 |
| Total interest expense | $292,000 | 7,723 |
| Net interest income | $1,191,000 | 6,087 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $305,000 | 4,945 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $258,000 | 2,987 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $47,000 | 6,676 |
| Total noninterest expense | $989,000 | 6,029 |
| Salaries and employee benefits | $445,000 | 6,647 |
| Premises and equipment expense | $144,000 | 5,786 |
| Additional noninterest expense | $400,000 | 5,006 |
| Pre-tax net operating income | $489,000 | 5,361 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $489,000 | 4,861 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $489,000 | 4,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $265,000 | 3,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $489,000 | 4,641 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $757,000 | 6,662 |
| Total interest expense | $155,000 | 7,686 |
| Net interest income | $602,000 | 6,052 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $145,000 | 4,974 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $122,000 | 3,033 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $470,000 | 6,207 |
| Salaries and employee benefits | $223,000 | 6,648 |
| Premises and equipment expense | $54,000 | 6,574 |
| Additional noninterest expense | $193,000 | 5,097 |
| Pre-tax net operating income | $268,000 | 5,090 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $268,000 | 4,545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $268,000 | 4,545 |
| 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 | $268,000 | 4,334 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,143,000 | 6,712 |
| Total interest expense | $745,000 | 7,674 |
| Net interest income | $2,398,000 | 6,048 |
| Provision for loan and lease losses | $36,000 | 7,011 |
| Total noninterest income | $606,000 | 4,703 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $520,000 | 2,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $86,000 | 6,748 |
| Total noninterest expense | $1,812,000 | 6,231 |
| Salaries and employee benefits | $857,000 | 6,672 |
| Premises and equipment expense | $221,000 | 6,510 |
| Additional noninterest expense | $734,000 | 5,246 |
| Pre-tax net operating income | $1,156,000 | 4,814 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,156,000 | 4,185 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,156,000 | 4,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $1,140,000 | 2,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,156,000 | 4,092 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,227,000 | 7,003 |
| Total interest expense | $1,270,000 | 7,457 |
| Net interest income | $1,957,000 | 6,498 |
| Provision for loan and lease losses | $19,000 | 7,633 |
| Total noninterest income | $576,000 | 4,689 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $471,000 | 2,973 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $105,000 | 6,335 |
| Total noninterest expense | $1,713,000 | 6,311 |
| Salaries and employee benefits | $808,000 | 6,740 |
| Premises and equipment expense | $215,000 | 6,569 |
| Additional noninterest expense | $690,000 | 5,349 |
| Pre-tax net operating income | $801,000 | 5,479 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $801,000 | 4,868 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $801,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,628 |
| Cash dividends | $795,000 | 2,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $801,000 | 4,760 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,284,000 | 7,131 |
| Total interest expense | $1,333,000 | 7,498 |
| Net interest income | $1,951,000 | 6,628 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $520,000 | 4,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 7,811 |
| Total noninterest expense | $1,598,000 | 6,490 |
| Salaries and employee benefits | $743,000 | 7,001 |
| Premises and equipment expense | $202,000 | 6,737 |
| Additional noninterest expense | $653,000 | 5,452 |
| Pre-tax net operating income | $861,000 | 5,669 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $861,000 | 4,817 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $861,000 | 4,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $840,000 | 2,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $861,000 | 4,821 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,210,000 | 7,146 |
| Total interest expense | $1,295,000 | 7,418 |
| Net interest income | $1,915,000 | 6,802 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $485,000 | 5,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $428,000 | 3,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $1,575,000 | 6,582 |
| Salaries and employee benefits | $712,000 | 7,176 |
| Premises and equipment expense | $204,000 | 6,750 |
| Additional noninterest expense | $659,000 | 5,475 |
| Pre-tax net operating income | $813,000 | 5,876 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $813,000 | 5,046 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $813,000 | 5,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $830,000 | 2,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $813,000 | 5,010 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,111,000 | 7,395 |
| Total interest expense | $1,329,000 | 7,587 |
| Net interest income | $1,782,000 | 7,092 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $431,000 | 5,382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $384,000 | 3,246 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,260 |
| Total noninterest expense | $1,522,000 | 6,627 |
| Salaries and employee benefits | $683,000 | 7,283 |
| Premises and equipment expense | $207,000 | 6,600 |
| Additional noninterest expense | $632,000 | 5,540 |
| Pre-tax net operating income | $679,000 | 6,565 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $679,000 | 5,702 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $679,000 | 5,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $650,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 510 |
| Net operating income | $679,000 | 5,595 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,968,000 | 7,790 |
| Total interest expense | $1,254,000 | 7,971 |
| Net interest income | $1,714,000 | 7,521 |
| Provision for loan and lease losses | $9,000 | 8,470 |
| Total noninterest income | $492,000 | 5,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $440,000 | 2,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,342 |
| Total noninterest expense | $1,364,000 | 7,137 |
| Salaries and employee benefits | $636,000 | 7,688 |
| Premises and equipment expense | $201,000 | 6,835 |
| Additional noninterest expense | $527,000 | 6,295 |
| Pre-tax net operating income | $833,000 | 6,399 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $77,000 | 8,789 |
| Income before extraordinary items | $756,000 | 5,646 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $756,000 | 5,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $725,000 | 2,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $756,000 | 5,605 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,821,000 | 8,246 |
| Total interest expense | $1,192,000 | 8,399 |
| Net interest income | $1,629,000 | 7,950 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $390,000 | 6,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,981 |
| Total noninterest expense | $1,293,000 | 7,680 |
| Salaries and employee benefits | $600,000 | 8,124 |
| Premises and equipment expense | $205,000 | 6,938 |
| Additional noninterest expense | $488,000 | 7,154 |
| Pre-tax net operating income | $714,000 | 6,868 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $255,000 | 6,386 |
| Income before extraordinary items | $459,000 | 7,174 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $459,000 | 7,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $460,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $459,000 | 7,124 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,671,000 | 8,685 |
| Total interest expense | $1,204,000 | 8,574 |
| Net interest income | $1,467,000 | 8,633 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $316,000 | 6,906 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,426 |
| Total noninterest expense | $1,332,000 | 7,782 |
| Salaries and employee benefits | $595,000 | 8,390 |
| Premises and equipment expense | $201,000 | 7,169 |
| Additional noninterest expense | $536,000 | 6,982 |
| Pre-tax net operating income | $439,000 | 8,813 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $160,000 | 8,094 |
| Income before extraordinary items | $279,000 | 9,147 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $279,000 | 9,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $279,000 | 9,120 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,406,000 | 9,082 |
| Total interest expense | $867,000 | 9,273 |
| Net interest income | $1,539,000 | 8,765 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $292,000 | 7,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,719 |
| Total noninterest expense | $1,232,000 | 8,492 |
| Salaries and employee benefits | $563,000 | 8,864 |
| Premises and equipment expense | $199,000 | 7,444 |
| Additional noninterest expense | $470,000 | 8,154 |
| Pre-tax net operating income | $587,000 | 8,071 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $223,000 | 6,971 |
| Income before extraordinary items | $369,000 | 8,470 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $369,000 | 8,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $275,000 | 4,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $365,800 | 8,543 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 9,570 |
| Total interest expense | $834,000 | 9,866 |
| Net interest income | $1,469,000 | 9,207 |
| Provision for loan and lease losses | $32,000 | 8,327 |
| Total noninterest income | $268,000 | 8,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,206 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,745 |
| Total noninterest expense | $1,149,000 | 9,109 |
| Salaries and employee benefits | $534,000 | 9,345 |
| Premises and equipment expense | $205,000 | 7,582 |
| Additional noninterest expense | $410,000 | 9,154 |
| Pre-tax net operating income | $556,000 | 8,257 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $216,000 | 7,326 |
| Income before extraordinary items | $340,000 | 9,036 |
| Extraordinary gains, net | $111,000 | 1,478 |
| Net income | $451,000 | 8,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $450,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $340,000 | 8,778 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,261,000 | 10,354 |
| Total interest expense | $985,000 | 10,461 |
| Net interest income | $1,276,000 | 10,042 |
| Provision for loan and lease losses | $47,000 | 9,237 |
| Total noninterest income | $175,000 | 9,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 12,899 |
| Total noninterest expense | $923,000 | 10,350 |
| Salaries and employee benefits | $435,000 | 10,461 |
| Premises and equipment expense | $211,000 | 7,601 |
| Additional noninterest expense | $277,000 | 11,175 |
| Pre-tax net operating income | $481,000 | 8,542 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $119,000 | 9,396 |
| Income before extraordinary items | $362,000 | 8,594 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $362,000 | 8,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $450,000 | 3,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $362,000 | 8,235 |
* 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.