Home > The Lancaster National Bank > Income and Expense
The Lancaster National Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,523,000 | 6,716 |
| Total interest expense | $404,000 | 7,355 |
| Net interest income | $1,119,000 | 6,224 |
| Provision for loan and lease losses | $27,000 | 5,773 |
| Total noninterest income | $86,000 | 6,857 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $33,000 | 6,468 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $53,000 | 6,048 |
| Total noninterest expense | $1,302,000 | 5,561 |
| Salaries and employee benefits | $501,000 | 6,483 |
| Premises and equipment expense | $211,000 | 4,986 |
| Additional noninterest expense | $590,000 | 4,251 |
| Pre-tax net operating income | $-124,000 | 7,236 |
| Securities gains (losses) | $54,000 | 1,391 |
| Applicable income taxes | $39,000 | 4,250 |
| Income before extraordinary items | $-109,000 | 7,264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-109,000 | 7,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,229 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-163,000 | 7,324 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $780,000 | 6,766 |
| Total interest expense | $218,000 | 7,357 |
| Net interest income | $562,000 | 6,250 |
| Provision for loan and lease losses | $6,000 | 5,669 |
| Total noninterest income | $45,000 | 6,809 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $17,000 | 6,420 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,994 |
| Total noninterest expense | $655,000 | 5,564 |
| Salaries and employee benefits | $250,000 | 6,522 |
| Premises and equipment expense | $114,000 | 4,779 |
| Additional noninterest expense | $291,000 | 4,212 |
| Pre-tax net operating income | $-54,000 | 7,413 |
| Securities gains (losses) | $54,000 | 1,044 |
| Applicable income taxes | $27,000 | 4,129 |
| Income before extraordinary items | $-27,000 | 7,420 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-27,000 | 7,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,828 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-81,000 | 7,550 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,267,000 | 6,672 |
| Total interest expense | $1,061,000 | 7,071 |
| Net interest income | $2,206,000 | 6,289 |
| Provision for loan and lease losses | $24,000 | 6,240 |
| Total noninterest income | $152,000 | 7,115 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $69,000 | 6,461 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $83,000 | 6,480 |
| Total noninterest expense | $2,348,000 | 5,784 |
| Salaries and employee benefits | $1,032,000 | 6,356 |
| Premises and equipment expense | $432,000 | 4,794 |
| Additional noninterest expense | $884,000 | 5,013 |
| Pre-tax net operating income | $-14,000 | 7,467 |
| Securities gains (losses) | $39,000 | 877 |
| Applicable income taxes | $-8,000 | 7,771 |
| Income before extraordinary items | $33,000 | 7,389 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $33,000 | 7,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,055 |
| Cash dividends | $78,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-6,000 | 7,484 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,442,000 | 6,708 |
| Total interest expense | $805,000 | 7,080 |
| Net interest income | $1,637,000 | 6,348 |
| Provision for loan and lease losses | $18,000 | 5,899 |
| Total noninterest income | $110,000 | 7,206 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $47,000 | 6,587 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $63,000 | 6,487 |
| Total noninterest expense | $1,733,000 | 5,802 |
| Salaries and employee benefits | $788,000 | 6,323 |
| Premises and equipment expense | $336,000 | 4,667 |
| Additional noninterest expense | $609,000 | 5,240 |
| Pre-tax net operating income | $-4,000 | 7,660 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $4,000 | 5,949 |
| Income before extraordinary items | $-8,000 | 7,701 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-8,000 | 7,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,266 |
| Cash dividends | $63,000 | 4,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-8,000 | 7,676 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,621,000 | 6,750 |
| Total interest expense | $524,000 | 7,140 |
| Net interest income | $1,097,000 | 6,388 |
| Provision for loan and lease losses | $12,000 | 5,644 |
| Total noninterest income | $75,000 | 7,211 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $33,000 | 6,573 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $42,000 | 6,534 |
| Total noninterest expense | $1,112,000 | 5,944 |
| Salaries and employee benefits | $524,000 | 6,379 |
| Premises and equipment expense | $219,000 | 4,750 |
| Additional noninterest expense | $369,000 | 5,535 |
| Pre-tax net operating income | $48,000 | 7,531 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,000 | 6,141 |
| Income before extraordinary items | $47,000 | 7,510 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $47,000 | 7,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,601 |
| Cash dividends | $47,000 | 4,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $47,000 | 7,496 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $788,000 | 6,844 |
| Total interest expense | $234,000 | 7,346 |
| Net interest income | $554,000 | 6,381 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $37,000 | 7,221 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $17,000 | 6,538 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $20,000 | 6,614 |
| Total noninterest expense | $547,000 | 6,030 |
| Salaries and employee benefits | $256,000 | 6,477 |
| Premises and equipment expense | $105,000 | 4,900 |
| Additional noninterest expense | $186,000 | 5,504 |
| Pre-tax net operating income | $38,000 | 7,447 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $3,000 | 5,852 |
| Income before extraordinary items | $35,000 | 7,380 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $35,000 | 7,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $31,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $35,000 | 7,369 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,111,000 | 6,693 |
| Total interest expense | $773,000 | 7,384 |
| Net interest income | $2,338,000 | 6,185 |
| Provision for loan and lease losses | $24,000 | 6,182 |
| Total noninterest income | $137,000 | 7,421 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $57,000 | 6,779 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $80,000 | 6,674 |
| Total noninterest expense | $2,051,000 | 6,095 |
| Salaries and employee benefits | $986,000 | 6,441 |
| Premises and equipment expense | $415,000 | 4,807 |
| Additional noninterest expense | $650,000 | 5,847 |
| Pre-tax net operating income | $400,000 | 6,788 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $145,000 | 4,638 |
| Income before extraordinary items | $255,000 | 7,080 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $255,000 | 7,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,486 |
| Cash dividends | $182,000 | 5,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $255,000 | 7,078 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 6,750 |
| Total interest expense | $557,000 | 7,440 |
| Net interest income | $1,755,000 | 6,240 |
| Provision for loan and lease losses | $18,000 | 6,058 |
| Total noninterest income | $100,000 | 7,511 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $40,000 | 6,925 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $60,000 | 6,682 |
| Total noninterest expense | $1,501,000 | 6,150 |
| Salaries and employee benefits | $729,000 | 6,472 |
| Premises and equipment expense | $309,000 | 4,829 |
| Additional noninterest expense | $463,000 | 5,987 |
| Pre-tax net operating income | $336,000 | 6,842 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $118,000 | 4,755 |
| Income before extraordinary items | $218,000 | 7,125 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $218,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $94,000 | 4,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $218,000 | 7,126 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 6,807 |
| Total interest expense | $360,000 | 7,438 |
| Net interest income | $1,146,000 | 6,331 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $61,000 | 7,670 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $23,000 | 7,073 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $38,000 | 6,794 |
| Total noninterest expense | $987,000 | 6,206 |
| Salaries and employee benefits | $478,000 | 6,542 |
| Premises and equipment expense | $196,000 | 5,000 |
| Additional noninterest expense | $313,000 | 5,942 |
| Pre-tax net operating income | $208,000 | 7,035 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $72,000 | 4,887 |
| Income before extraordinary items | $136,000 | 7,259 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $136,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $64,000 | 4,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $136,000 | 7,272 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $740,000 | 6,815 |
| Total interest expense | $178,000 | 7,426 |
| Net interest income | $562,000 | 6,394 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $31,000 | 7,631 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $10,000 | 7,160 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,631 |
| Total noninterest expense | $493,000 | 6,222 |
| Salaries and employee benefits | $242,000 | 6,536 |
| Premises and equipment expense | $97,000 | 5,056 |
| Additional noninterest expense | $154,000 | 5,983 |
| Pre-tax net operating income | $94,000 | 7,131 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $34,000 | 4,897 |
| Income before extraordinary items | $60,000 | 7,363 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $60,000 | 7,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $32,000 | 3,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $60,000 | 7,371 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,896,000 | 6,681 |
| Total interest expense | $520,000 | 7,561 |
| Net interest income | $2,376,000 | 6,172 |
| Provision for loan and lease losses | $24,000 | 6,374 |
| Total noninterest income | $123,000 | 7,726 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $51,000 | 7,068 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $72,000 | 6,898 |
| Total noninterest expense | $1,949,000 | 6,199 |
| Salaries and employee benefits | $906,000 | 6,627 |
| Premises and equipment expense | $394,000 | 4,899 |
| Additional noninterest expense | $649,000 | 5,804 |
| Pre-tax net operating income | $526,000 | 6,671 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $174,000 | 4,842 |
| Income before extraordinary items | $352,000 | 6,966 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $352,000 | 6,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $207,000 | 4,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $352,000 | 6,950 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,142,000 | 6,706 |
| Total interest expense | $377,000 | 7,566 |
| Net interest income | $1,765,000 | 6,236 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $92,000 | 7,773 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 7,165 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,894 |
| Total noninterest expense | $1,469,000 | 6,149 |
| Salaries and employee benefits | $687,000 | 6,594 |
| Premises and equipment expense | $289,000 | 4,963 |
| Additional noninterest expense | $493,000 | 5,743 |
| Pre-tax net operating income | $379,000 | 6,887 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $134,000 | 4,941 |
| Income before extraordinary items | $245,000 | 7,215 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $245,000 | 7,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $95,000 | 4,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $245,000 | 7,170 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,388,000 | 6,733 |
| Total interest expense | $240,000 | 7,579 |
| Net interest income | $1,148,000 | 6,306 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $61,000 | 7,755 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $23,000 | 7,185 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $38,000 | 6,863 |
| Total noninterest expense | $983,000 | 6,134 |
| Salaries and employee benefits | $453,000 | 6,626 |
| Premises and equipment expense | $191,000 | 4,972 |
| Additional noninterest expense | $339,000 | 5,636 |
| Pre-tax net operating income | $220,000 | 7,093 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $81,000 | 5,065 |
| Income before extraordinary items | $139,000 | 7,435 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $139,000 | 7,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $63,000 | 4,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $139,000 | 7,389 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $690,000 | 6,780 |
| Total interest expense | $117,000 | 7,610 |
| Net interest income | $573,000 | 6,355 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $28,000 | 7,863 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 7,096 |
| Total noninterest expense | $457,000 | 6,381 |
| Salaries and employee benefits | $223,000 | 6,711 |
| Premises and equipment expense | $79,000 | 5,599 |
| Additional noninterest expense | $155,000 | 5,895 |
| Pre-tax net operating income | $141,000 | 6,678 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $51,000 | 4,729 |
| Income before extraordinary items | $90,000 | 7,057 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $90,000 | 7,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $32,000 | 3,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $90,000 | 7,020 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,798,000 | 6,617 |
| Total interest expense | $501,000 | 7,304 |
| Net interest income | $2,297,000 | 6,247 |
| Provision for loan and lease losses | $5,000 | 7,179 |
| Total noninterest income | $141,000 | 7,690 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $58,000 | 7,153 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $83,000 | 6,721 |
| Total noninterest expense | $1,794,000 | 6,369 |
| Salaries and employee benefits | $868,000 | 6,733 |
| Premises and equipment expense | $288,000 | 5,783 |
| Additional noninterest expense | $638,000 | 5,801 |
| Pre-tax net operating income | $639,000 | 6,280 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $220,000 | 4,630 |
| Income before extraordinary items | $419,000 | 6,677 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $419,000 | 6,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,475 |
| Cash dividends | $275,000 | 4,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $419,000 | 6,618 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 6,641 |
| Total interest expense | $378,000 | 7,312 |
| Net interest income | $1,709,000 | 6,275 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $108,000 | 7,698 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $42,000 | 7,235 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 6,636 |
| Total noninterest expense | $1,328,000 | 6,380 |
| Salaries and employee benefits | $640,000 | 6,738 |
| Premises and equipment expense | $210,000 | 5,843 |
| Additional noninterest expense | $478,000 | 5,766 |
| Pre-tax net operating income | $480,000 | 6,404 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $169,000 | 4,697 |
| Income before extraordinary items | $311,000 | 6,832 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $311,000 | 6,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $95,000 | 4,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $311,000 | 6,754 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,400,000 | 6,663 |
| Total interest expense | $255,000 | 7,352 |
| Net interest income | $1,145,000 | 6,289 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $62,000 | 7,920 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $23,000 | 7,421 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $39,000 | 6,845 |
| Total noninterest expense | $872,000 | 6,471 |
| Salaries and employee benefits | $427,000 | 6,777 |
| Premises and equipment expense | $137,000 | 5,939 |
| Additional noninterest expense | $308,000 | 5,897 |
| Pre-tax net operating income | $329,000 | 6,313 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $115,000 | 4,662 |
| Income before extraordinary items | $214,000 | 6,761 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $214,000 | 6,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $63,000 | 4,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $214,000 | 6,675 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $710,000 | 6,669 |
| Total interest expense | $136,000 | 7,249 |
| Net interest income | $574,000 | 6,288 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $30,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $433,000 | 6,527 |
| Salaries and employee benefits | $214,000 | 6,800 |
| Premises and equipment expense | $70,000 | 5,876 |
| Additional noninterest expense | $149,000 | 6,013 |
| Pre-tax net operating income | $168,000 | 6,201 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $58,000 | 4,646 |
| Income before extraordinary items | $110,000 | 6,699 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $110,000 | 6,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $32,000 | 3,561 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $110,000 | 6,578 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,015,000 | 6,500 |
| Total interest expense | $688,000 | 7,080 |
| Net interest income | $2,327,000 | 6,141 |
| Provision for loan and lease losses | $11,000 | 7,350 |
| Total noninterest income | $137,000 | 7,938 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $50,000 | 7,429 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $87,000 | 6,760 |
| Total noninterest expense | $1,580,000 | 6,746 |
| Salaries and employee benefits | $805,000 | 6,903 |
| Premises and equipment expense | $235,000 | 6,370 |
| Additional noninterest expense | $540,000 | 6,308 |
| Pre-tax net operating income | $873,000 | 5,481 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $300,000 | 4,283 |
| Income before extraordinary items | $573,000 | 6,045 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $573,000 | 6,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,545 |
| Cash dividends | $320,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $573,000 | 5,890 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,262,000 | 6,577 |
| Total interest expense | $536,000 | 7,142 |
| Net interest income | $1,726,000 | 6,199 |
| Provision for loan and lease losses | $2,000 | 7,425 |
| Total noninterest income | $102,000 | 7,998 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $36,000 | 7,530 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $66,000 | 6,799 |
| Total noninterest expense | $1,171,000 | 6,772 |
| Salaries and employee benefits | $590,000 | 6,962 |
| Premises and equipment expense | $186,000 | 6,196 |
| Additional noninterest expense | $395,000 | 6,376 |
| Pre-tax net operating income | $655,000 | 5,673 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $230,000 | 4,431 |
| Income before extraordinary items | $425,000 | 6,209 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $425,000 | 6,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,109 |
| Cash dividends | $95,000 | 4,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $425,000 | 6,047 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,527,000 | 6,587 |
| Total interest expense | $377,000 | 7,140 |
| Net interest income | $1,150,000 | 6,197 |
| Provision for loan and lease losses | $2,000 | 7,249 |
| Total noninterest income | $65,000 | 8,044 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $23,000 | 7,567 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $42,000 | 6,875 |
| Total noninterest expense | $771,000 | 6,826 |
| Salaries and employee benefits | $387,000 | 7,021 |
| Premises and equipment expense | $125,000 | 6,160 |
| Additional noninterest expense | $259,000 | 6,424 |
| Pre-tax net operating income | $442,000 | 5,626 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $151,000 | 4,481 |
| Income before extraordinary items | $291,000 | 6,165 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $291,000 | 6,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $64,000 | 4,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $291,000 | 5,967 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $767,000 | 6,614 |
| Total interest expense | $197,000 | 7,113 |
| Net interest income | $570,000 | 6,225 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $30,000 | 8,154 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,514 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,000 | 7,075 |
| Total noninterest expense | $382,000 | 6,858 |
| Salaries and employee benefits | $191,000 | 7,087 |
| Premises and equipment expense | $62,000 | 6,190 |
| Additional noninterest expense | $129,000 | 6,436 |
| Pre-tax net operating income | $216,000 | 5,658 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $76,000 | 4,452 |
| Income before extraordinary items | $140,000 | 6,176 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $140,000 | 6,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $32,000 | 3,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $140,000 | 5,993 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,176,000 | 6,668 |
| Total interest expense | $947,000 | 7,068 |
| Net interest income | $2,229,000 | 6,280 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $129,000 | 8,074 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $49,000 | 7,550 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $80,000 | 6,874 |
| Total noninterest expense | $1,515,000 | 6,807 |
| Salaries and employee benefits | $740,000 | 7,118 |
| Premises and equipment expense | $258,000 | 6,029 |
| Additional noninterest expense | $517,000 | 6,402 |
| Pre-tax net operating income | $813,000 | 5,733 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $283,000 | 4,541 |
| Income before extraordinary items | $535,000 | 6,237 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $535,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $306,000 | 4,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $531,750 | 6,107 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,402,000 | 6,848 |
| Total interest expense | $1,250,000 | 7,514 |
| Net interest income | $2,152,000 | 6,198 |
| Provision for loan and lease losses | $38,000 | 7,009 |
| Total noninterest income | $118,000 | 8,259 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $50,000 | 7,603 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $68,000 | 7,169 |
| Total noninterest expense | $1,452,000 | 6,897 |
| Salaries and employee benefits | $699,000 | 7,208 |
| Premises and equipment expense | $263,000 | 5,926 |
| Additional noninterest expense | $490,000 | 6,503 |
| Pre-tax net operating income | $780,000 | 5,558 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $268,000 | 4,489 |
| Income before extraordinary items | $512,000 | 6,015 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $512,000 | 6,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,241 |
| Cash dividends | $295,000 | 4,433 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $512,000 | 5,899 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,274,000 | 7,145 |
| Total interest expense | $1,147,000 | 7,914 |
| Net interest income | $2,127,000 | 6,382 |
| Provision for loan and lease losses | $25,000 | 7,386 |
| Total noninterest income | $112,000 | 8,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,361 |
| Total noninterest expense | $1,340,000 | 7,134 |
| Salaries and employee benefits | $651,000 | 7,424 |
| Premises and equipment expense | $226,000 | 6,371 |
| Additional noninterest expense | $463,000 | 6,683 |
| Pre-tax net operating income | $874,000 | 5,630 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $300,000 | 4,598 |
| Income before extraordinary items | $574,000 | 5,962 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $574,000 | 5,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,771 |
| Cash dividends | $333,000 | 4,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $574,000 | 5,975 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,004,000 | 7,377 |
| Total interest expense | $1,045,000 | 8,061 |
| Net interest income | $1,959,000 | 6,718 |
| Provision for loan and lease losses | $22,000 | 7,597 |
| Total noninterest income | $118,000 | 8,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 7,732 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,600 |
| Total noninterest expense | $1,268,000 | 7,379 |
| Salaries and employee benefits | $602,000 | 7,749 |
| Premises and equipment expense | $233,000 | 6,289 |
| Additional noninterest expense | $433,000 | 7,025 |
| Pre-tax net operating income | $787,000 | 5,983 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $272,000 | 5,027 |
| Income before extraordinary items | $515,000 | 6,335 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $515,000 | 6,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,892 |
| Cash dividends | $131,000 | 5,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $515,000 | 6,313 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,080,000 | 7,439 |
| Total interest expense | $1,145,000 | 8,039 |
| Net interest income | $1,935,000 | 6,793 |
| Provision for loan and lease losses | $51,000 | 6,547 |
| Total noninterest income | $91,000 | 9,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,242 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,189 |
| Total noninterest expense | $1,254,000 | 7,394 |
| Salaries and employee benefits | $611,000 | 7,693 |
| Premises and equipment expense | $213,000 | 6,524 |
| Additional noninterest expense | $430,000 | 6,978 |
| Pre-tax net operating income | $721,000 | 6,404 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $243,000 | 5,712 |
| Income before extraordinary items | $478,000 | 6,738 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $478,000 | 6,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $117,000 | 6,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $478,000 | 6,632 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,106,000 | 7,627 |
| Total interest expense | $1,149,000 | 8,258 |
| Net interest income | $1,957,000 | 7,005 |
| Provision for loan and lease losses | $23,000 | 7,798 |
| Total noninterest income | $82,000 | 9,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 8,594 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,910 |
| Total noninterest expense | $1,167,000 | 7,790 |
| Salaries and employee benefits | $603,000 | 7,895 |
| Premises and equipment expense | $190,000 | 7,020 |
| Additional noninterest expense | $374,000 | 7,588 |
| Pre-tax net operating income | $849,000 | 6,337 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $293,000 | 5,795 |
| Income before extraordinary items | $556,000 | 6,631 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $556,000 | 6,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $106,000 | 6,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $556,000 | 6,575 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,954,000 | 8,061 |
| Total interest expense | $1,178,000 | 8,446 |
| Net interest income | $1,776,000 | 7,606 |
| Provision for loan and lease losses | $16,000 | 8,168 |
| Total noninterest income | $82,000 | 10,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,363 |
| Total noninterest expense | $1,118,000 | 8,266 |
| Salaries and employee benefits | $565,000 | 8,365 |
| Premises and equipment expense | $194,000 | 7,135 |
| Additional noninterest expense | $359,000 | 8,281 |
| Pre-tax net operating income | $724,000 | 6,824 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $248,000 | 6,477 |
| Income before extraordinary items | $476,000 | 7,068 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $476,000 | 7,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,952 |
| Cash dividends | $90,000 | 6,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $476,000 | 7,005 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,910,000 | 8,346 |
| Total interest expense | $1,026,000 | 9,160 |
| Net interest income | $1,884,000 | 7,569 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $93,000 | 10,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 9,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,472 |
| Total noninterest expense | $1,151,000 | 8,384 |
| Salaries and employee benefits | $538,000 | 8,796 |
| Premises and equipment expense | $195,000 | 7,299 |
| Additional noninterest expense | $418,000 | 8,021 |
| Pre-tax net operating income | $790,000 | 6,879 |
| Securities gains (losses) | $-22,000 | 10,616 |
| Applicable income taxes | $267,000 | 6,412 |
| Income before extraordinary items | $501,000 | 7,247 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $501,000 | 7,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $81,000 | 7,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $515,300 | 7,108 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,655,000 | 8,641 |
| Total interest expense | $971,000 | 8,821 |
| Net interest income | $1,684,000 | 8,345 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $93,000 | 10,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 9,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,933 |
| Total noninterest expense | $1,109,000 | 8,953 |
| Salaries and employee benefits | $492,000 | 9,467 |
| Premises and equipment expense | $197,000 | 7,500 |
| Additional noninterest expense | $420,000 | 8,616 |
| Pre-tax net operating income | $638,000 | 7,780 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $212,000 | 7,149 |
| Income before extraordinary items | $426,000 | 7,932 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $426,000 | 7,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $63,000 | 7,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $426,000 | 7,983 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,531,000 | 9,128 |
| Total interest expense | $1,042,000 | 8,911 |
| Net interest income | $1,489,000 | 9,154 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $81,000 | 11,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 10,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 10,863 |
| Total noninterest expense | $1,026,000 | 9,621 |
| Salaries and employee benefits | $445,000 | 10,204 |
| Premises and equipment expense | $179,000 | 8,164 |
| Additional noninterest expense | $402,000 | 9,251 |
| Pre-tax net operating income | $484,000 | 8,759 |
| Securities gains (losses) | $-31,000 | 13,009 |
| Applicable income taxes | $157,000 | 8,476 |
| Income before extraordinary items | $296,000 | 9,530 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $296,000 | 9,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 7,435 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $316,150 | 9,029 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,726,000 | 9,484 |
| Total interest expense | $1,408,000 | 8,819 |
| Net interest income | $1,318,000 | 9,918 |
| Provision for loan and lease losses | $48,000 | 9,164 |
| Total noninterest income | $74,000 | 12,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 10,514 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,840 |
| Total noninterest expense | $969,000 | 10,119 |
| Salaries and employee benefits | $431,000 | 10,506 |
| Premises and equipment expense | $169,000 | 8,579 |
| Additional noninterest expense | $369,000 | 9,960 |
| Pre-tax net operating income | $375,000 | 9,469 |
| Securities gains (losses) | $-123,000 | 13,804 |
| Applicable income taxes | $116,000 | 9,484 |
| Income before extraordinary items | $136,000 | 11,459 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $136,000 | 11,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $38,000 | 8,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $214,720 | 10,050 |
* 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.