Home > The Miners State Bank of Frontenac, Kansas > Income and Expense
The Miners State Bank of Frontenac, Kansas, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $465,000 | 7,663 |
| Total interest expense | $129,000 | 7,936 |
| Net interest income | $336,000 | 7,320 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $32,000 | 7,250 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $26,000 | 5,880 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $6,000 | 7,600 |
| Total noninterest expense | $220,000 | 7,823 |
| Salaries and employee benefits | $83,000 | 8,170 |
| Premises and equipment expense | $9,000 | 8,302 |
| Additional noninterest expense | $128,000 | 6,565 |
| Pre-tax net operating income | $148,000 | 5,462 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $65,000 | 3,297 |
| Income before extraordinary items | $83,000 | 6,073 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $83,000 | 6,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $9,343,000 | 118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $83,000 | 5,985 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,044,000 | 7,529 |
| Total interest expense | $560,000 | 7,864 |
| Net interest income | $1,484,000 | 7,126 |
| Provision for loan and lease losses | $-6,000 | 8,224 |
| Total noninterest income | $156,000 | 7,075 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $130,000 | 5,645 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $26,000 | 7,642 |
| Total noninterest expense | $677,000 | 8,119 |
| Salaries and employee benefits | $383,000 | 8,102 |
| Premises and equipment expense | $57,000 | 8,182 |
| Additional noninterest expense | $237,000 | 7,844 |
| Pre-tax net operating income | $969,000 | 4,797 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $36,000 | 5,115 |
| Income before extraordinary items | $933,000 | 4,464 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $933,000 | 4,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,873 |
| Cash dividends | $782,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $933,000 | 4,462 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,525,000 | 7,579 |
| Total interest expense | $423,000 | 7,903 |
| Net interest income | $1,102,000 | 7,208 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $118,000 | 7,114 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $99,000 | 5,649 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $19,000 | 7,708 |
| Total noninterest expense | $461,000 | 8,187 |
| Salaries and employee benefits | $260,000 | 8,164 |
| Premises and equipment expense | $40,000 | 8,214 |
| Additional noninterest expense | $161,000 | 7,941 |
| Pre-tax net operating income | $759,000 | 4,954 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $29,000 | 5,278 |
| Income before extraordinary items | $730,000 | 4,552 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $730,000 | 4,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,741 |
| Cash dividends | $657,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $730,000 | 4,550 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,015,000 | 7,619 |
| Total interest expense | $283,000 | 7,943 |
| Net interest income | $732,000 | 7,264 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $77,000 | 7,175 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $64,000 | 5,719 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $13,000 | 7,713 |
| Total noninterest expense | $309,000 | 8,232 |
| Salaries and employee benefits | $178,000 | 8,205 |
| Premises and equipment expense | $27,000 | 8,257 |
| Additional noninterest expense | $104,000 | 8,011 |
| Pre-tax net operating income | $500,000 | 5,036 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $19,000 | 5,371 |
| Income before extraordinary items | $481,000 | 4,637 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $481,000 | 4,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,631 |
| Cash dividends | $532,000 | 2,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $481,000 | 4,631 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $502,000 | 7,681 |
| Total interest expense | $141,000 | 7,995 |
| Net interest income | $361,000 | 7,335 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $37,000 | 7,221 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $31,000 | 5,740 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $163,000 | 8,217 |
| Salaries and employee benefits | $97,000 | 8,164 |
| Premises and equipment expense | $9,000 | 8,425 |
| Additional noninterest expense | $57,000 | 7,938 |
| Pre-tax net operating income | $235,000 | 5,176 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $7,000 | 5,533 |
| Income before extraordinary items | $228,000 | 4,764 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $228,000 | 4,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $392,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $228,000 | 4,746 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,948,000 | 7,587 |
| Total interest expense | $516,000 | 7,888 |
| Net interest income | $1,432,000 | 7,258 |
| Provision for loan and lease losses | $8,000 | 6,651 |
| Total noninterest income | $183,000 | 7,062 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $158,000 | 5,424 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $25,000 | 7,832 |
| Total noninterest expense | $638,000 | 8,270 |
| Salaries and employee benefits | $362,000 | 8,238 |
| Premises and equipment expense | $50,000 | 8,352 |
| Additional noninterest expense | $226,000 | 7,977 |
| Pre-tax net operating income | $969,000 | 5,272 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $43,000 | 5,544 |
| Income before extraordinary items | $926,000 | 4,871 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $926,000 | 4,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,661 |
| Cash dividends | $1,786,000 | 1,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $926,000 | 4,869 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,442,000 | 7,653 |
| Total interest expense | $375,000 | 7,953 |
| Net interest income | $1,067,000 | 7,343 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $134,000 | 7,133 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $116,000 | 5,535 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 7,902 |
| Total noninterest expense | $450,000 | 8,338 |
| Salaries and employee benefits | $255,000 | 8,301 |
| Premises and equipment expense | $32,000 | 8,477 |
| Additional noninterest expense | $163,000 | 8,050 |
| Pre-tax net operating income | $751,000 | 5,355 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $34,000 | 5,676 |
| Income before extraordinary items | $717,000 | 4,957 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $717,000 | 4,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $660,000 | 2,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $717,000 | 4,948 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $947,000 | 7,687 |
| Total interest expense | $242,000 | 7,971 |
| Net interest income | $705,000 | 7,413 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $88,000 | 7,201 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $75,000 | 5,584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $13,000 | 7,912 |
| Total noninterest expense | $300,000 | 8,369 |
| Salaries and employee benefits | $175,000 | 8,329 |
| Premises and equipment expense | $20,000 | 8,534 |
| Additional noninterest expense | $105,000 | 8,102 |
| Pre-tax net operating income | $493,000 | 5,437 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $23,000 | 5,728 |
| Income before extraordinary items | $470,000 | 5,038 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $470,000 | 5,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $536,000 | 2,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $470,000 | 5,023 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $471,000 | 7,709 |
| Total interest expense | $117,000 | 7,997 |
| Net interest income | $354,000 | 7,427 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $41,000 | 7,270 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $35,000 | 5,651 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $163,000 | 8,301 |
| Salaries and employee benefits | $95,000 | 8,273 |
| Premises and equipment expense | $9,000 | 8,564 |
| Additional noninterest expense | $59,000 | 7,967 |
| Pre-tax net operating income | $232,000 | 5,524 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $12,000 | 5,666 |
| Income before extraordinary items | $220,000 | 5,124 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $220,000 | 5,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $411,000 | 1,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $220,000 | 5,117 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 7,553 |
| Total interest expense | $408,000 | 7,865 |
| Net interest income | $1,485,000 | 7,309 |
| Provision for loan and lease losses | $-1,000 | 8,464 |
| Total noninterest income | $166,000 | 7,346 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $138,000 | 5,767 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $28,000 | 7,911 |
| Total noninterest expense | $631,000 | 8,361 |
| Salaries and employee benefits | $341,000 | 8,380 |
| Premises and equipment expense | $64,000 | 8,289 |
| Additional noninterest expense | $226,000 | 8,065 |
| Pre-tax net operating income | $1,021,000 | 5,303 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $40,000 | 5,998 |
| Income before extraordinary items | $978,000 | 4,882 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $978,000 | 4,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $775,000 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $980,880 | 4,849 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,421,000 | 7,570 |
| Total interest expense | $295,000 | 7,898 |
| Net interest income | $1,126,000 | 7,335 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $125,000 | 7,369 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $103,000 | 5,805 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,899 |
| Total noninterest expense | $452,000 | 8,393 |
| Salaries and employee benefits | $239,000 | 8,430 |
| Premises and equipment expense | $45,000 | 8,353 |
| Additional noninterest expense | $168,000 | 8,081 |
| Pre-tax net operating income | $799,000 | 5,330 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $30,000 | 6,080 |
| Income before extraordinary items | $766,000 | 4,867 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $766,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $650,000 | 2,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $768,880 | 4,823 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $947,000 | 7,559 |
| Total interest expense | $190,000 | 7,892 |
| Net interest income | $757,000 | 7,327 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $84,000 | 7,333 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $67,000 | 5,808 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $17,000 | 7,791 |
| Total noninterest expense | $314,000 | 8,345 |
| Salaries and employee benefits | $164,000 | 8,419 |
| Premises and equipment expense | $35,000 | 8,242 |
| Additional noninterest expense | $115,000 | 8,039 |
| Pre-tax net operating income | $527,000 | 5,342 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $19,000 | 6,120 |
| Income before extraordinary items | $506,000 | 4,859 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $506,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $525,000 | 2,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $507,920 | 4,805 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $470,000 | 7,613 |
| Total interest expense | $91,000 | 7,948 |
| Net interest income | $379,000 | 7,371 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $45,000 | 7,228 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $34,000 | 5,761 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,631 |
| Total noninterest expense | $167,000 | 8,360 |
| Salaries and employee benefits | $91,000 | 8,381 |
| Premises and equipment expense | $9,000 | 8,660 |
| Additional noninterest expense | $67,000 | 7,872 |
| Pre-tax net operating income | $257,000 | 5,388 |
| Securities gains (losses) | $-2,000 | 8,244 |
| Applicable income taxes | $8,000 | 6,187 |
| Income before extraordinary items | $247,000 | 4,900 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $247,000 | 4,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $248,940 | 4,841 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,873,000 | 7,511 |
| Total interest expense | $352,000 | 7,865 |
| Net interest income | $1,521,000 | 7,286 |
| Provision for loan and lease losses | $51,000 | 5,892 |
| Total noninterest income | $146,000 | 7,646 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $122,000 | 6,146 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $24,000 | 8,103 |
| Total noninterest expense | $656,000 | 8,406 |
| Salaries and employee benefits | $344,000 | 8,486 |
| Premises and equipment expense | $56,000 | 8,529 |
| Additional noninterest expense | $256,000 | 7,958 |
| Pre-tax net operating income | $960,000 | 5,347 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $46,000 | 6,089 |
| Income before extraordinary items | $914,000 | 4,926 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $914,000 | 4,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,610 |
| Cash dividends | $760,000 | 2,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $914,000 | 4,858 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,410,000 | 7,537 |
| Total interest expense | $263,000 | 7,906 |
| Net interest income | $1,147,000 | 7,299 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $107,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $93,000 | 6,165 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 8,295 |
| Total noninterest expense | $483,000 | 8,435 |
| Salaries and employee benefits | $242,000 | 8,560 |
| Premises and equipment expense | $40,000 | 8,582 |
| Additional noninterest expense | $201,000 | 7,896 |
| Pre-tax net operating income | $771,000 | 5,295 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $38,000 | 6,142 |
| Income before extraordinary items | $733,000 | 4,840 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $733,000 | 4,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,993 |
| Cash dividends | $635,000 | 2,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $733,000 | 4,752 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $945,000 | 7,564 |
| Total interest expense | $176,000 | 7,973 |
| Net interest income | $769,000 | 7,318 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $71,000 | 7,766 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $61,000 | 6,212 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,000 | 8,299 |
| Total noninterest expense | $341,000 | 8,427 |
| Salaries and employee benefits | $167,000 | 8,567 |
| Premises and equipment expense | $28,000 | 8,588 |
| Additional noninterest expense | $146,000 | 7,780 |
| Pre-tax net operating income | $499,000 | 5,312 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $26,000 | 6,137 |
| Income before extraordinary items | $473,000 | 4,877 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $473,000 | 4,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $510,000 | 2,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $473,000 | 4,793 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $476,000 | 7,595 |
| Total interest expense | $90,000 | 7,997 |
| Net interest income | $386,000 | 7,352 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $34,000 | 7,816 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $29,000 | 6,251 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $162,000 | 8,526 |
| Salaries and employee benefits | $92,000 | 8,495 |
| Premises and equipment expense | $11,000 | 8,739 |
| Additional noninterest expense | $59,000 | 8,180 |
| Pre-tax net operating income | $258,000 | 5,197 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $17,000 | 5,912 |
| Income before extraordinary items | $241,000 | 4,850 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $241,000 | 4,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $385,000 | 1,474 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $241,000 | 4,726 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 7,658 |
| Total interest expense | $461,000 | 7,893 |
| Net interest income | $1,439,000 | 7,452 |
| Provision for loan and lease losses | $80,000 | 5,625 |
| Total noninterest income | $150,000 | 7,803 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $120,000 | 6,281 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $30,000 | 8,120 |
| Total noninterest expense | $598,000 | 8,663 |
| Salaries and employee benefits | $330,000 | 8,658 |
| Premises and equipment expense | $43,000 | 8,865 |
| Additional noninterest expense | $225,000 | 8,268 |
| Pre-tax net operating income | $911,000 | 5,391 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $38,000 | 6,461 |
| Income before extraordinary items | $873,000 | 5,011 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $873,000 | 5,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,704 |
| Cash dividends | $935,000 | 2,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $873,000 | 4,851 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 7,756 |
| Total interest expense | $363,000 | 7,945 |
| Net interest income | $1,059,000 | 7,540 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $117,000 | 7,810 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $93,000 | 6,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 8,092 |
| Total noninterest expense | $429,000 | 8,733 |
| Salaries and employee benefits | $233,000 | 8,742 |
| Premises and equipment expense | $26,000 | 8,993 |
| Additional noninterest expense | $170,000 | 8,273 |
| Pre-tax net operating income | $747,000 | 5,329 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $31,000 | 6,549 |
| Income before extraordinary items | $716,000 | 4,938 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $716,000 | 4,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $810,000 | 1,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $716,000 | 4,743 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $947,000 | 7,819 |
| Total interest expense | $255,000 | 7,972 |
| Net interest income | $692,000 | 7,614 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $79,000 | 7,791 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $62,000 | 6,251 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $17,000 | 8,015 |
| Total noninterest expense | $286,000 | 8,738 |
| Salaries and employee benefits | $160,000 | 8,733 |
| Premises and equipment expense | $17,000 | 9,006 |
| Additional noninterest expense | $109,000 | 8,325 |
| Pre-tax net operating income | $485,000 | 5,391 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $20,000 | 6,596 |
| Income before extraordinary items | $465,000 | 4,986 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $465,000 | 4,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $685,000 | 1,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $465,000 | 4,785 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $499,000 | 7,739 |
| Total interest expense | $135,000 | 7,954 |
| Net interest income | $364,000 | 7,513 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $39,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $29,000 | 6,311 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $158,000 | 8,670 |
| Salaries and employee benefits | $88,000 | 8,659 |
| Premises and equipment expense | $10,000 | 8,968 |
| Additional noninterest expense | $60,000 | 8,208 |
| Pre-tax net operating income | $245,000 | 5,336 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $11,000 | 6,507 |
| Income before extraordinary items | $234,000 | 4,896 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $234,000 | 4,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $560,000 | 1,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $234,000 | 4,694 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,404,000 | 7,442 |
| Total interest expense | $696,000 | 7,830 |
| Net interest income | $1,708,000 | 7,106 |
| Provision for loan and lease losses | $4,000 | 8,000 |
| Total noninterest income | $140,000 | 7,936 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $113,000 | 6,354 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 8,301 |
| Total noninterest expense | $610,000 | 8,749 |
| Salaries and employee benefits | $323,000 | 8,808 |
| Premises and equipment expense | $54,000 | 8,839 |
| Additional noninterest expense | $233,000 | 8,301 |
| Pre-tax net operating income | $1,234,000 | 4,627 |
| Securities gains (losses) | $9,000 | 3,662 |
| Applicable income taxes | $49,000 | 6,546 |
| Income before extraordinary items | $1,194,000 | 4,104 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,194,000 | 4,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,261 |
| Cash dividends | $1,068,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,185,360 | 4,012 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,881,000 | 7,380 |
| Total interest expense | $1,086,000 | 7,835 |
| Net interest income | $1,795,000 | 6,791 |
| Provision for loan and lease losses | $10,000 | 7,930 |
| Total noninterest income | $154,000 | 7,802 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $115,000 | 6,317 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $39,000 | 8,049 |
| Total noninterest expense | $601,000 | 8,928 |
| Salaries and employee benefits | $324,000 | 8,965 |
| Premises and equipment expense | $43,000 | 9,247 |
| Additional noninterest expense | $234,000 | 8,372 |
| Pre-tax net operating income | $1,338,000 | 4,148 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $55,000 | 6,623 |
| Income before extraordinary items | $1,283,000 | 3,621 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,283,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $1,075,000 | 2,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,283,000 | 3,524 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,738,000 | 7,676 |
| Total interest expense | $1,019,000 | 8,182 |
| Net interest income | $1,719,000 | 7,081 |
| Provision for loan and lease losses | $37,000 | 6,967 |
| Total noninterest income | $148,000 | 7,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,161 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 8,801 |
| Total noninterest expense | $593,000 | 9,114 |
| Salaries and employee benefits | $324,000 | 9,142 |
| Premises and equipment expense | $56,000 | 9,254 |
| Additional noninterest expense | $213,000 | 8,665 |
| Pre-tax net operating income | $1,237,000 | 4,646 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-3,000 | 9,282 |
| Income before extraordinary items | $1,240,000 | 3,776 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,240,000 | 3,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,200 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,240,000 | 3,758 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,381,000 | 8,037 |
| Total interest expense | $884,000 | 8,489 |
| Net interest income | $1,497,000 | 7,597 |
| Provision for loan and lease losses | $-1,000 | 9,950 |
| Total noninterest income | $162,000 | 7,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 5,981 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,255 |
| Total noninterest expense | $563,000 | 9,434 |
| Salaries and employee benefits | $311,000 | 9,405 |
| Premises and equipment expense | $51,000 | 9,622 |
| Additional noninterest expense | $201,000 | 9,021 |
| Pre-tax net operating income | $1,097,000 | 5,035 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $344,000 | 4,508 |
| Income before extraordinary items | $754,000 | 5,255 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $754,000 | 5,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $261,000 | 4,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $753,310 | 5,230 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,364,000 | 8,244 |
| Total interest expense | $831,000 | 8,851 |
| Net interest income | $1,533,000 | 7,613 |
| Provision for loan and lease losses | $16,000 | 7,917 |
| Total noninterest income | $145,000 | 8,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,196 |
| Total noninterest expense | $561,000 | 9,579 |
| Salaries and employee benefits | $313,000 | 9,553 |
| Premises and equipment expense | $60,000 | 9,567 |
| Additional noninterest expense | $188,000 | 9,257 |
| Pre-tax net operating income | $1,101,000 | 5,137 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $365,000 | 4,668 |
| Income before extraordinary items | $737,000 | 5,458 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $737,000 | 5,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $292,000 | 4,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $736,330 | 5,351 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,336,000 | 8,592 |
| Total interest expense | $774,000 | 9,329 |
| Net interest income | $1,562,000 | 7,849 |
| Provision for loan and lease losses | $-1,000 | 10,576 |
| Total noninterest income | $127,000 | 8,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 7,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $530,000 | 10,016 |
| Salaries and employee benefits | $298,000 | 9,966 |
| Premises and equipment expense | $55,000 | 10,079 |
| Additional noninterest expense | $177,000 | 9,704 |
| Pre-tax net operating income | $1,160,000 | 5,353 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $394,000 | 4,924 |
| Income before extraordinary items | $766,000 | 5,597 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $766,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $107,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $766,000 | 5,551 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,219,000 | 9,073 |
| Total interest expense | $720,000 | 9,912 |
| Net interest income | $1,499,000 | 8,270 |
| Provision for loan and lease losses | $4,000 | 8,888 |
| Total noninterest income | $102,000 | 9,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,300 |
| Total noninterest expense | $534,000 | 10,452 |
| Salaries and employee benefits | $304,000 | 10,315 |
| Premises and equipment expense | $61,000 | 10,325 |
| Additional noninterest expense | $169,000 | 10,316 |
| Pre-tax net operating income | $1,063,000 | 5,529 |
| Securities gains (losses) | $-16,000 | 10,516 |
| Applicable income taxes | $330,000 | 5,524 |
| Income before extraordinary items | $717,000 | 5,688 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $717,000 | 5,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $101,000 | 6,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $727,880 | 5,582 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,123,000 | 9,534 |
| Total interest expense | $726,000 | 10,209 |
| Net interest income | $1,397,000 | 8,794 |
| Provision for loan and lease losses | $2,000 | 8,854 |
| Total noninterest income | $128,000 | 9,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 8,443 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,088 |
| Total noninterest expense | $568,000 | 10,720 |
| Salaries and employee benefits | $333,000 | 10,472 |
| Premises and equipment expense | $44,000 | 11,264 |
| Additional noninterest expense | $191,000 | 10,529 |
| Pre-tax net operating income | $955,000 | 6,176 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $300,000 | 5,992 |
| Income before extraordinary items | $655,000 | 6,266 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $655,000 | 6,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $96,000 | 6,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $655,000 | 6,253 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,911,000 | 9,966 |
| Total interest expense | $641,000 | 10,402 |
| Net interest income | $1,270,000 | 9,553 |
| Provision for loan and lease losses | $1,000 | 9,105 |
| Total noninterest income | $104,000 | 10,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 8,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,176 |
| Total noninterest expense | $554,000 | 11,334 |
| Salaries and employee benefits | $314,000 | 11,073 |
| Premises and equipment expense | $37,000 | 12,064 |
| Additional noninterest expense | $203,000 | 11,122 |
| Pre-tax net operating income | $819,000 | 6,780 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $209,000 | 7,194 |
| Income before extraordinary items | $610,000 | 6,459 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $610,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $610,000 | 6,521 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,051,000 | 10,077 |
| Total interest expense | $711,000 | 10,521 |
| Net interest income | $1,340,000 | 9,608 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $99,000 | 11,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 9,041 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $563,000 | 11,836 |
| Salaries and employee benefits | $315,000 | 11,501 |
| Premises and equipment expense | $37,000 | 12,642 |
| Additional noninterest expense | $211,000 | 11,579 |
| Pre-tax net operating income | $876,000 | 6,449 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $244,000 | 6,893 |
| Income before extraordinary items | $632,000 | 6,552 |
| Extraordinary gains, net | $25,000 | 2,588 |
| Net income | $657,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $89,000 | 7,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $632,000 | 6,310 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,338,000 | 10,216 |
| Total interest expense | $950,000 | 10,618 |
| Net interest income | $1,388,000 | 9,664 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $113,000 | 11,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $554,000 | 12,337 |
| Salaries and employee benefits | $318,000 | 11,817 |
| Premises and equipment expense | $41,000 | 13,024 |
| Additional noninterest expense | $195,000 | 12,303 |
| Pre-tax net operating income | $932,000 | 5,935 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $270,000 | 6,362 |
| Income before extraordinary items | $662,000 | 6,158 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $662,000 | 6,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $78,000 | 7,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $662,000 | 5,806 |
* 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.