Home > The Montrose State Bank > Income and Expense
The Montrose State Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,444,000 | 6,705 |
| Total interest expense | $601,000 | 7,538 |
| Net interest income | $1,843,000 | 6,056 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $364,000 | 5,114 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $231,000 | 4,024 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $133,000 | 5,301 |
| Total noninterest expense | $1,598,000 | 6,029 |
| Salaries and employee benefits | $896,000 | 5,985 |
| Premises and equipment expense | $323,000 | 4,796 |
| Additional noninterest expense | $379,000 | 6,532 |
| Pre-tax net operating income | $609,000 | 5,419 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $178,000 | 3,852 |
| Income before extraordinary items | $431,000 | 5,673 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $431,000 | 5,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,597 |
| Cash dividends | $141,000 | 4,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $431,000 | 5,657 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,626,000 | 6,744 |
| Total interest expense | $399,000 | 7,565 |
| Net interest income | $1,227,000 | 6,103 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $237,000 | 5,210 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $149,000 | 4,099 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $88,000 | 5,345 |
| Total noninterest expense | $1,113,000 | 5,941 |
| Salaries and employee benefits | $602,000 | 6,001 |
| Premises and equipment expense | $217,000 | 4,776 |
| Additional noninterest expense | $294,000 | 6,172 |
| Pre-tax net operating income | $351,000 | 5,758 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $128,000 | 3,843 |
| Income before extraordinary items | $223,000 | 6,203 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $223,000 | 6,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,897 |
| Cash dividends | $94,000 | 4,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $223,000 | 6,193 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $777,000 | 6,875 |
| Total interest expense | $194,000 | 7,637 |
| Net interest income | $583,000 | 6,226 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $114,000 | 5,237 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $72,000 | 4,107 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $42,000 | 5,429 |
| Total noninterest expense | $546,000 | 6,037 |
| Salaries and employee benefits | $283,000 | 6,224 |
| Premises and equipment expense | $111,000 | 4,742 |
| Additional noninterest expense | $152,000 | 6,088 |
| Pre-tax net operating income | $151,000 | 6,053 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $65,000 | 3,816 |
| Income before extraordinary items | $86,000 | 6,606 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $86,000 | 6,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $47,000 | 3,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $86,000 | 6,595 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,066,000 | 6,732 |
| Total interest expense | $738,000 | 7,458 |
| Net interest income | $2,328,000 | 6,197 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $483,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $314,000 | 4,034 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $169,000 | 5,416 |
| Total noninterest expense | $2,034,000 | 6,118 |
| Salaries and employee benefits | $1,089,000 | 6,187 |
| Premises and equipment expense | $399,000 | 4,923 |
| Additional noninterest expense | $546,000 | 6,322 |
| Pre-tax net operating income | $777,000 | 5,711 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $164,000 | 4,507 |
| Income before extraordinary items | $613,000 | 5,776 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $613,000 | 5,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,181 |
| Cash dividends | $264,000 | 4,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $613,000 | 5,762 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,301,000 | 6,765 |
| Total interest expense | $552,000 | 7,453 |
| Net interest income | $1,749,000 | 6,247 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $364,000 | 5,206 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $235,000 | 4,053 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $129,000 | 5,401 |
| Total noninterest expense | $1,461,000 | 6,227 |
| Salaries and employee benefits | $803,000 | 6,219 |
| Premises and equipment expense | $315,000 | 4,768 |
| Additional noninterest expense | $343,000 | 6,761 |
| Pre-tax net operating income | $652,000 | 5,697 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $231,000 | 3,951 |
| Income before extraordinary items | $421,000 | 6,132 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $421,000 | 6,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $170,000 | 4,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $421,000 | 6,129 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,538,000 | 6,744 |
| Total interest expense | $361,000 | 7,434 |
| Net interest income | $1,177,000 | 6,274 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $246,000 | 5,184 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $159,000 | 4,016 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 5,421 |
| Total noninterest expense | $978,000 | 6,231 |
| Salaries and employee benefits | $530,000 | 6,279 |
| Premises and equipment expense | $220,000 | 4,646 |
| Additional noninterest expense | $228,000 | 6,817 |
| Pre-tax net operating income | $445,000 | 5,672 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $153,000 | 3,977 |
| Income before extraordinary items | $292,000 | 6,071 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $292,000 | 6,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $110,000 | 4,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $292,000 | 6,068 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $785,000 | 6,683 |
| Total interest expense | $177,000 | 7,434 |
| Net interest income | $608,000 | 6,198 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $123,000 | 5,150 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $79,000 | 3,966 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,355 |
| Total noninterest expense | $494,000 | 6,216 |
| Salaries and employee benefits | $267,000 | 6,263 |
| Premises and equipment expense | $109,000 | 4,692 |
| Additional noninterest expense | $118,000 | 6,671 |
| Pre-tax net operating income | $237,000 | 5,482 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $75,000 | 3,953 |
| Income before extraordinary items | $162,000 | 5,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $162,000 | 5,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $50,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $162,000 | 5,783 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,062,000 | 6,541 |
| Total interest expense | $636,000 | 7,227 |
| Net interest income | $2,426,000 | 6,128 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $517,000 | 5,173 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $344,000 | 3,880 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $173,000 | 5,458 |
| Total noninterest expense | $1,950,000 | 6,197 |
| Salaries and employee benefits | $1,077,000 | 6,145 |
| Premises and equipment expense | $369,000 | 5,111 |
| Additional noninterest expense | $504,000 | 6,549 |
| Pre-tax net operating income | $993,000 | 5,382 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $238,000 | 4,427 |
| Income before extraordinary items | $755,000 | 5,491 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $755,000 | 5,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,746 |
| Cash dividends | $246,000 | 4,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $755,000 | 5,459 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,309,000 | 6,537 |
| Total interest expense | $465,000 | 7,221 |
| Net interest income | $1,844,000 | 6,121 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $367,000 | 5,310 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $256,000 | 3,909 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $111,000 | 5,769 |
| Total noninterest expense | $1,416,000 | 6,258 |
| Salaries and employee benefits | $774,000 | 6,240 |
| Premises and equipment expense | $267,000 | 5,208 |
| Additional noninterest expense | $375,000 | 6,549 |
| Pre-tax net operating income | $795,000 | 5,344 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $270,000 | 3,963 |
| Income before extraordinary items | $525,000 | 5,785 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $525,000 | 5,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $149,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $525,000 | 5,760 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,502,000 | 6,558 |
| Total interest expense | $296,000 | 7,213 |
| Net interest income | $1,206,000 | 6,166 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $242,000 | 5,293 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $169,000 | 3,872 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $73,000 | 5,795 |
| Total noninterest expense | $944,000 | 6,260 |
| Salaries and employee benefits | $519,000 | 6,221 |
| Premises and equipment expense | $181,000 | 5,157 |
| Additional noninterest expense | $244,000 | 6,601 |
| Pre-tax net operating income | $504,000 | 5,466 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $181,000 | 3,961 |
| Income before extraordinary items | $323,000 | 5,956 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $323,000 | 5,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $99,000 | 4,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $323,000 | 5,903 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $751,000 | 6,561 |
| Total interest expense | $141,000 | 7,278 |
| Net interest income | $610,000 | 6,181 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $116,000 | 5,357 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $85,000 | 3,795 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,124 |
| Total noninterest expense | $459,000 | 6,376 |
| Salaries and employee benefits | $250,000 | 6,391 |
| Premises and equipment expense | $96,000 | 5,017 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $267,000 | 5,288 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $90,000 | 3,936 |
| Income before extraordinary items | $177,000 | 5,712 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $177,000 | 5,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $47,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $177,000 | 5,675 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,973,000 | 6,448 |
| Total interest expense | $552,000 | 7,120 |
| Net interest income | $2,421,000 | 6,100 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $504,000 | 5,237 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $357,000 | 3,892 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $147,000 | 5,731 |
| Total noninterest expense | $1,892,000 | 6,194 |
| Salaries and employee benefits | $1,033,000 | 6,178 |
| Premises and equipment expense | $361,000 | 5,101 |
| Additional noninterest expense | $498,000 | 6,542 |
| Pre-tax net operating income | $1,033,000 | 5,157 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $310,000 | 4,127 |
| Income before extraordinary items | $725,000 | 5,498 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $725,000 | 5,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,501 |
| Cash dividends | $262,000 | 4,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $723,600 | 5,427 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,237,000 | 6,446 |
| Total interest expense | $414,000 | 7,137 |
| Net interest income | $1,823,000 | 6,099 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $359,000 | 5,405 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $262,000 | 3,972 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $97,000 | 5,971 |
| Total noninterest expense | $1,368,000 | 6,282 |
| Salaries and employee benefits | $747,000 | 6,255 |
| Premises and equipment expense | $262,000 | 5,190 |
| Additional noninterest expense | $359,000 | 6,640 |
| Pre-tax net operating income | $814,000 | 5,140 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $270,000 | 3,947 |
| Income before extraordinary items | $544,000 | 5,606 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $544,000 | 5,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $150,000 | 4,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $544,000 | 5,538 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,473,000 | 6,518 |
| Total interest expense | $277,000 | 7,163 |
| Net interest income | $1,196,000 | 6,157 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $236,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $168,000 | 4,066 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $68,000 | 5,903 |
| Total noninterest expense | $919,000 | 6,289 |
| Salaries and employee benefits | $494,000 | 6,330 |
| Premises and equipment expense | $183,000 | 5,061 |
| Additional noninterest expense | $242,000 | 6,633 |
| Pre-tax net operating income | $513,000 | 5,247 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $180,000 | 3,964 |
| Income before extraordinary items | $333,000 | 5,799 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $333,000 | 5,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $94,000 | 4,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $333,000 | 5,715 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $733,000 | 6,564 |
| Total interest expense | $141,000 | 7,178 |
| Net interest income | $592,000 | 6,198 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $109,000 | 5,576 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $75,000 | 4,266 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $34,000 | 5,872 |
| Total noninterest expense | $460,000 | 6,325 |
| Salaries and employee benefits | $239,000 | 6,487 |
| Premises and equipment expense | $99,000 | 4,820 |
| Additional noninterest expense | $122,000 | 6,621 |
| Pre-tax net operating income | $241,000 | 5,377 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $90,000 | 3,962 |
| Income before extraordinary items | $151,000 | 6,002 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $151,000 | 6,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $47,000 | 3,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $151,000 | 5,878 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,194,000 | 6,331 |
| Total interest expense | $810,000 | 6,679 |
| Net interest income | $2,384,000 | 6,049 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $477,000 | 5,554 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $322,000 | 4,132 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $155,000 | 5,766 |
| Total noninterest expense | $1,822,000 | 6,319 |
| Salaries and employee benefits | $1,022,000 | 6,184 |
| Premises and equipment expense | $318,000 | 5,483 |
| Additional noninterest expense | $482,000 | 6,659 |
| Pre-tax net operating income | $1,039,000 | 5,075 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $300,000 | 4,283 |
| Income before extraordinary items | $739,000 | 5,436 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $739,000 | 5,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,724 |
| Cash dividends | $231,000 | 4,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $739,000 | 5,292 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,434,000 | 6,336 |
| Total interest expense | $662,000 | 6,613 |
| Net interest income | $1,772,000 | 6,105 |
| Provision for loan and lease losses | $12,000 | 7,043 |
| Total noninterest income | $354,000 | 5,635 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $241,000 | 4,163 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $113,000 | 5,844 |
| Total noninterest expense | $1,365,000 | 6,277 |
| Salaries and employee benefits | $735,000 | 6,318 |
| Premises and equipment expense | $254,000 | 5,274 |
| Additional noninterest expense | $376,000 | 6,528 |
| Pre-tax net operating income | $749,000 | 5,325 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $282,000 | 4,030 |
| Income before extraordinary items | $467,000 | 6,019 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $467,000 | 6,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,184 |
| Cash dividends | $150,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $467,000 | 5,849 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,658,000 | 6,314 |
| Total interest expense | $471,000 | 6,556 |
| Net interest income | $1,187,000 | 6,098 |
| Provision for loan and lease losses | $9,000 | 6,877 |
| Total noninterest income | $236,000 | 5,618 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $160,000 | 4,146 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $76,000 | 5,812 |
| Total noninterest expense | $912,000 | 6,293 |
| Salaries and employee benefits | $495,000 | 6,299 |
| Premises and equipment expense | $173,000 | 5,176 |
| Additional noninterest expense | $244,000 | 6,602 |
| Pre-tax net operating income | $502,000 | 5,297 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $192,000 | 4,053 |
| Income before extraordinary items | $310,000 | 6,031 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $310,000 | 6,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $101,000 | 4,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $310,000 | 5,830 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $856,000 | 6,254 |
| Total interest expense | $236,000 | 6,650 |
| Net interest income | $620,000 | 5,955 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $111,000 | 5,652 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $75,000 | 4,221 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 5,881 |
| Total noninterest expense | $470,000 | 6,207 |
| Salaries and employee benefits | $256,000 | 6,169 |
| Premises and equipment expense | $95,000 | 4,865 |
| Additional noninterest expense | $119,000 | 6,675 |
| Pre-tax net operating income | $255,000 | 5,225 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $102,000 | 3,894 |
| Income before extraordinary items | $153,000 | 5,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $52,000 | 3,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $153,000 | 5,776 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,512,000 | 6,333 |
| Total interest expense | $1,062,000 | 6,769 |
| Net interest income | $2,450,000 | 5,973 |
| Provision for loan and lease losses | $24,000 | 7,371 |
| Total noninterest income | $490,000 | 5,276 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $323,000 | 4,065 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $167,000 | 5,371 |
| Total noninterest expense | $1,746,000 | 6,362 |
| Salaries and employee benefits | $941,000 | 6,345 |
| Premises and equipment expense | $309,000 | 5,475 |
| Additional noninterest expense | $496,000 | 6,521 |
| Pre-tax net operating income | $1,170,000 | 4,784 |
| Securities gains (losses) | $10,000 | 3,604 |
| Applicable income taxes | $303,000 | 4,431 |
| Income before extraordinary items | $877,000 | 4,942 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $877,000 | 4,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $247,000 | 4,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $869,600 | 4,841 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,816,000 | 6,495 |
| Total interest expense | $1,413,000 | 7,165 |
| Net interest income | $2,403,000 | 5,850 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $528,000 | 4,920 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $333,000 | 3,905 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $195,000 | 4,987 |
| Total noninterest expense | $1,739,000 | 6,266 |
| Salaries and employee benefits | $919,000 | 6,290 |
| Premises and equipment expense | $315,000 | 5,372 |
| Additional noninterest expense | $505,000 | 6,400 |
| Pre-tax net operating income | $1,172,000 | 4,479 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $361,000 | 3,929 |
| Income before extraordinary items | $811,000 | 4,833 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $811,000 | 4,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,098 |
| Cash dividends | $188,000 | 5,094 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $811,000 | 4,720 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,864,000 | 6,598 |
| Total interest expense | $1,427,000 | 7,297 |
| Net interest income | $2,437,000 | 5,908 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $513,000 | 4,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 4,604 |
| Total noninterest expense | $1,655,000 | 6,355 |
| Salaries and employee benefits | $902,000 | 6,312 |
| Premises and equipment expense | $284,000 | 5,599 |
| Additional noninterest expense | $469,000 | 6,645 |
| Pre-tax net operating income | $1,275,000 | 4,557 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $407,000 | 3,954 |
| Income before extraordinary items | $868,000 | 4,795 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $868,000 | 4,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,819 |
| Cash dividends | $231,000 | 4,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $868,000 | 4,801 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,600,000 | 6,725 |
| Total interest expense | $1,322,000 | 7,355 |
| Net interest income | $2,278,000 | 6,130 |
| Provision for loan and lease losses | $39,000 | 6,933 |
| Total noninterest income | $473,000 | 5,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 4,621 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $232,000 | 4,605 |
| Total noninterest expense | $1,627,000 | 6,466 |
| Salaries and employee benefits | $878,000 | 6,410 |
| Premises and equipment expense | $268,000 | 5,829 |
| Additional noninterest expense | $481,000 | 6,655 |
| Pre-tax net operating income | $1,085,000 | 5,061 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $361,000 | 4,400 |
| Income before extraordinary items | $724,000 | 5,373 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $724,000 | 5,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,310 |
| Cash dividends | $166,000 | 5,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $724,000 | 5,339 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,651,000 | 6,794 |
| Total interest expense | $1,317,000 | 7,625 |
| Net interest income | $2,334,000 | 6,090 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $394,000 | 5,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $240,000 | 4,627 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,613 |
| Total noninterest expense | $1,553,000 | 6,537 |
| Salaries and employee benefits | $860,000 | 6,412 |
| Premises and equipment expense | $241,000 | 6,084 |
| Additional noninterest expense | $452,000 | 6,786 |
| Pre-tax net operating income | $1,145,000 | 5,028 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $379,000 | 4,559 |
| Income before extraordinary items | $766,000 | 5,335 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $766,000 | 5,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $197,000 | 5,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $766,000 | 5,223 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,563,000 | 7,094 |
| Total interest expense | $1,301,000 | 7,844 |
| Net interest income | $2,262,000 | 6,425 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $347,000 | 6,191 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 5,994 |
| Total noninterest expense | $1,527,000 | 6,724 |
| Salaries and employee benefits | $856,000 | 6,510 |
| Premises and equipment expense | $265,000 | 5,857 |
| Additional noninterest expense | $406,000 | 7,300 |
| Pre-tax net operating income | $1,052,000 | 5,674 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $308,000 | 5,651 |
| Income before extraordinary items | $751,000 | 5,675 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $751,000 | 5,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $187,000 | 5,551 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $746,030 | 5,651 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,317,000 | 7,590 |
| Total interest expense | $1,203,000 | 8,368 |
| Net interest income | $2,114,000 | 6,924 |
| Provision for loan and lease losses | $46,000 | 6,787 |
| Total noninterest income | $309,000 | 6,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,646 |
| Total noninterest expense | $1,486,000 | 7,146 |
| Salaries and employee benefits | $849,000 | 6,721 |
| Premises and equipment expense | $262,000 | 6,077 |
| Additional noninterest expense | $375,000 | 8,108 |
| Pre-tax net operating income | $891,000 | 6,128 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $291,000 | 5,930 |
| Income before extraordinary items | $600,000 | 6,279 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $600,000 | 6,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,393 |
| Cash dividends | $168,000 | 5,798 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $600,000 | 6,215 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,264,000 | 7,841 |
| Total interest expense | $1,070,000 | 9,000 |
| Net interest income | $2,194,000 | 6,876 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $403,000 | 5,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,753 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $207,000 | 5,033 |
| Total noninterest expense | $1,458,000 | 7,406 |
| Salaries and employee benefits | $824,000 | 6,975 |
| Premises and equipment expense | $231,000 | 6,647 |
| Additional noninterest expense | $403,000 | 8,161 |
| Pre-tax net operating income | $1,049,000 | 5,801 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $351,000 | 5,431 |
| Income before extraordinary items | $698,000 | 6,006 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $698,000 | 6,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $199,000 | 5,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $698,000 | 5,986 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,948,000 | 8,140 |
| Total interest expense | $954,000 | 8,893 |
| Net interest income | $1,994,000 | 7,585 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $318,000 | 7,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,107 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,669 |
| Total noninterest expense | $1,390,000 | 7,943 |
| Salaries and employee benefits | $762,000 | 7,437 |
| Premises and equipment expense | $220,000 | 7,054 |
| Additional noninterest expense | $408,000 | 8,753 |
| Pre-tax net operating income | $832,000 | 6,714 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $234,000 | 6,767 |
| Income before extraordinary items | $598,000 | 6,566 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $598,000 | 6,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,731 |
| Cash dividends | $140,000 | 6,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $598,000 | 6,622 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,999,000 | 8,336 |
| Total interest expense | $1,113,000 | 8,619 |
| Net interest income | $1,886,000 | 7,991 |
| Provision for loan and lease losses | $161,000 | 4,460 |
| Total noninterest income | $268,000 | 8,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,719 |
| Total noninterest expense | $1,331,000 | 8,405 |
| Salaries and employee benefits | $715,000 | 7,906 |
| Premises and equipment expense | $222,000 | 7,249 |
| Additional noninterest expense | $394,000 | 9,328 |
| Pre-tax net operating income | $662,000 | 7,559 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $219,000 | 7,275 |
| Income before extraordinary items | $444,000 | 8,019 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $444,000 | 8,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 7,087 |
| Cash dividends | $138,000 | 6,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $443,330 | 7,762 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,221,000 | 8,605 |
| Total interest expense | $1,411,000 | 8,811 |
| Net interest income | $1,810,000 | 8,312 |
| Provision for loan and lease losses | $188,000 | 5,392 |
| Total noninterest income | $265,000 | 8,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 7,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 7,650 |
| Total noninterest expense | $1,272,000 | 8,757 |
| Salaries and employee benefits | $675,000 | 8,181 |
| Premises and equipment expense | $207,000 | 7,676 |
| Additional noninterest expense | $390,000 | 9,685 |
| Pre-tax net operating income | $615,000 | 7,599 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $159,000 | 8,397 |
| Income before extraordinary items | $458,000 | 7,667 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $458,000 | 7,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 4,547 |
| Cash dividends | $125,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $456,520 | 7,329 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.