Home > The National Bank of Fredericksburg > Income and Expense
The National Bank of Fredericksburg, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,514,000 | 1,398 |
| Total interest expense | $5,343,000 | 1,862 |
| Net interest income | $10,171,000 | 1,109 |
| Provision for loan and lease losses | $-50,000 | 8,430 |
| Total noninterest income | $1,801,000 | 1,436 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,026,000 | 869 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $775,000 | 1,647 |
| Total noninterest expense | $5,562,000 | 1,663 |
| Salaries and employee benefits | $2,969,000 | 1,729 |
| Premises and equipment expense | $701,000 | 1,873 |
| Additional noninterest expense | $1,892,000 | 1,443 |
| Pre-tax net operating income | $6,460,000 | 752 |
| Securities gains (losses) | $14,000 | 780 |
| Applicable income taxes | $2,323,000 | 646 |
| Income before extraordinary items | $4,151,000 | 882 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,151,000 | 881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-119,000 | 8,469 |
| Cash dividends | $1,415,000 | 1,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,142,040 | 872 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,606,000 | 1,412 |
| Total interest expense | $2,616,000 | 1,873 |
| Net interest income | $4,990,000 | 1,114 |
| Provision for loan and lease losses | $-50,000 | 8,510 |
| Total noninterest income | $947,000 | 1,356 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $483,000 | 894 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $464,000 | 1,438 |
| Total noninterest expense | $3,018,000 | 1,521 |
| Salaries and employee benefits | $1,683,000 | 1,544 |
| Premises and equipment expense | $359,000 | 1,846 |
| Additional noninterest expense | $976,000 | 1,375 |
| Pre-tax net operating income | $2,969,000 | 807 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,084,000 | 682 |
| Income before extraordinary items | $1,885,000 | 938 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,885,000 | 937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,267 |
| Cash dividends | $1,415,000 | 616 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,885,000 | 925 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,956,000 | 1,373 |
| Total interest expense | $8,528,000 | 1,934 |
| Net interest income | $20,428,000 | 1,086 |
| Provision for loan and lease losses | $-514,000 | 8,603 |
| Total noninterest income | $3,948,000 | 1,306 |
| Gross Fiduciary activities income | $635,000 | 532 |
| Service charges on deposit accounts | $1,558,000 | 1,136 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,755,000 | 1,482 |
| Total noninterest expense | $11,534,000 | 1,554 |
| Salaries and employee benefits | $5,254,000 | 1,854 |
| Premises and equipment expense | $1,429,000 | 1,775 |
| Additional noninterest expense | $4,851,000 | 1,104 |
| Pre-tax net operating income | $13,356,000 | 755 |
| Securities gains (losses) | $16,000 | 966 |
| Applicable income taxes | $4,525,000 | 685 |
| Income before extraordinary items | $8,847,000 | 841 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,847,000 | 840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,479 |
| Cash dividends | $5,751,000 | 628 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,233 |
| Net operating income | $8,836,440 | 835 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $21,314,000 | 1,395 |
| Total interest expense | $6,015,000 | 1,985 |
| Net interest income | $15,299,000 | 1,108 |
| Provision for loan and lease losses | $-514,000 | 8,677 |
| Total noninterest income | $3,158,000 | 1,266 |
| Gross Fiduciary activities income | $635,000 | 449 |
| Service charges on deposit accounts | $1,131,000 | 1,185 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,392,000 | 1,439 |
| Total noninterest expense | $8,745,000 | 1,536 |
| Salaries and employee benefits | $3,854,000 | 1,886 |
| Premises and equipment expense | $1,064,000 | 1,787 |
| Additional noninterest expense | $3,827,000 | 1,058 |
| Pre-tax net operating income | $10,226,000 | 774 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,558,000 | 693 |
| Income before extraordinary items | $6,668,000 | 877 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,668,000 | 876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,812 |
| Cash dividends | $4,337,000 | 591 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,026 |
| Net operating income | $6,668,000 | 864 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,778,000 | 1,405 |
| Total interest expense | $3,692,000 | 2,033 |
| Net interest income | $10,086,000 | 1,118 |
| Provision for loan and lease losses | $-514,000 | 8,717 |
| Total noninterest income | $2,130,000 | 1,260 |
| Gross Fiduciary activities income | $413,000 | 458 |
| Service charges on deposit accounts | $708,000 | 1,253 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,009,000 | 1,346 |
| Total noninterest expense | $5,714,000 | 1,574 |
| Salaries and employee benefits | $2,497,000 | 1,948 |
| Premises and equipment expense | $717,000 | 1,767 |
| Additional noninterest expense | $2,500,000 | 1,093 |
| Pre-tax net operating income | $7,016,000 | 765 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,442,000 | 682 |
| Income before extraordinary items | $4,574,000 | 851 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,574,000 | 851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $2,880,000 | 603 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,574,000 | 835 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,615,000 | 1,429 |
| Total interest expense | $1,631,000 | 2,174 |
| Net interest income | $4,984,000 | 1,128 |
| Provision for loan and lease losses | $-199,000 | 8,698 |
| Total noninterest income | $1,020,000 | 1,262 |
| Gross Fiduciary activities income | $220,000 | 448 |
| Service charges on deposit accounts | $355,000 | 1,218 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $445,000 | 1,460 |
| Total noninterest expense | $2,932,000 | 1,536 |
| Salaries and employee benefits | $1,238,000 | 1,975 |
| Premises and equipment expense | $359,000 | 1,770 |
| Additional noninterest expense | $1,335,000 | 1,001 |
| Pre-tax net operating income | $3,271,000 | 791 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,141,000 | 717 |
| Income before extraordinary items | $2,130,000 | 892 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,130,000 | 891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $1,427,000 | 559 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,130,000 | 874 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,066,000 | 1,331 |
| Total interest expense | $3,758,000 | 2,784 |
| Net interest income | $21,308,000 | 996 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $3,936,000 | 1,295 |
| Gross Fiduciary activities income | $638,000 | 519 |
| Service charges on deposit accounts | $1,693,000 | 1,048 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,605,000 | 1,581 |
| Total noninterest expense | $10,904,000 | 1,575 |
| Salaries and employee benefits | $5,757,000 | 1,624 |
| Premises and equipment expense | $1,473,000 | 1,659 |
| Additional noninterest expense | $3,674,000 | 1,392 |
| Pre-tax net operating income | $14,340,000 | 693 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $5,007,000 | 642 |
| Income before extraordinary items | $9,333,000 | 776 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $9,333,000 | 778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-399,000 | 8,773 |
| Cash dividends | $6,391,000 | 530 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $9,333,000 | 762 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,398,000 | 1,316 |
| Total interest expense | $2,538,000 | 2,900 |
| Net interest income | $15,860,000 | 990 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $2,877,000 | 1,335 |
| Gross Fiduciary activities income | $468,000 | 520 |
| Service charges on deposit accounts | $1,284,000 | 1,028 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,125,000 | 1,667 |
| Total noninterest expense | $8,207,000 | 1,560 |
| Salaries and employee benefits | $4,364,000 | 1,597 |
| Premises and equipment expense | $1,092,000 | 1,669 |
| Additional noninterest expense | $2,751,000 | 1,380 |
| Pre-tax net operating income | $10,530,000 | 702 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,683,000 | 653 |
| Income before extraordinary items | $6,847,000 | 784 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,847,000 | 785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-415,000 | 8,804 |
| Cash dividends | $4,725,000 | 506 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,847,000 | 771 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,210,000 | 1,290 |
| Total interest expense | $1,552,000 | 2,968 |
| Net interest income | $10,658,000 | 982 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,857,000 | 1,345 |
| Gross Fiduciary activities income | $288,000 | 552 |
| Service charges on deposit accounts | $854,000 | 1,003 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $715,000 | 1,719 |
| Total noninterest expense | $5,444,000 | 1,552 |
| Salaries and employee benefits | $2,898,000 | 1,596 |
| Premises and equipment expense | $724,000 | 1,652 |
| Additional noninterest expense | $1,822,000 | 1,361 |
| Pre-tax net operating income | $7,071,000 | 690 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,474,000 | 649 |
| Income before extraordinary items | $4,597,000 | 767 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,597,000 | 767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-417,000 | 8,816 |
| Cash dividends | $3,190,000 | 490 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,597,000 | 750 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,663,000 | 1,362 |
| Total interest expense | $736,000 | 3,000 |
| Net interest income | $4,927,000 | 1,059 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $891,000 | 1,372 |
| Gross Fiduciary activities income | $145,000 | 557 |
| Service charges on deposit accounts | $423,000 | 976 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $323,000 | 1,811 |
| Total noninterest expense | $2,705,000 | 1,568 |
| Salaries and employee benefits | $1,429,000 | 1,617 |
| Premises and equipment expense | $367,000 | 1,653 |
| Additional noninterest expense | $909,000 | 1,362 |
| Pre-tax net operating income | $3,113,000 | 773 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,089,000 | 715 |
| Income before extraordinary items | $2,024,000 | 857 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,024,000 | 858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $1,387,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,024,000 | 838 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,029,000 | 1,434 |
| Total interest expense | $2,449,000 | 3,100 |
| Net interest income | $17,580,000 | 1,150 |
| Provision for loan and lease losses | $75,000 | 5,393 |
| Total noninterest income | $4,110,000 | 1,249 |
| Gross Fiduciary activities income | $650,000 | 481 |
| Service charges on deposit accounts | $1,762,000 | 1,006 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,698,000 | 1,494 |
| Total noninterest expense | $10,732,000 | 1,516 |
| Salaries and employee benefits | $5,710,000 | 1,558 |
| Premises and equipment expense | $1,500,000 | 1,546 |
| Additional noninterest expense | $3,522,000 | 1,408 |
| Pre-tax net operating income | $10,883,000 | 811 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,805,000 | 745 |
| Income before extraordinary items | $7,078,000 | 930 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,078,000 | 931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $5,406,000 | 580 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $7,078,000 | 887 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,621,000 | 1,467 |
| Total interest expense | $1,800,000 | 3,103 |
| Net interest income | $12,821,000 | 1,163 |
| Provision for loan and lease losses | $75,000 | 4,788 |
| Total noninterest income | $3,109,000 | 1,267 |
| Gross Fiduciary activities income | $482,000 | 485 |
| Service charges on deposit accounts | $1,295,000 | 1,037 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,332,000 | 1,451 |
| Total noninterest expense | $8,024,000 | 1,517 |
| Salaries and employee benefits | $4,248,000 | 1,558 |
| Premises and equipment expense | $1,130,000 | 1,540 |
| Additional noninterest expense | $2,646,000 | 1,393 |
| Pre-tax net operating income | $7,831,000 | 852 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,737,000 | 784 |
| Income before extraordinary items | $5,094,000 | 980 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,094,000 | 981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,336 |
| Cash dividends | $4,075,000 | 540 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,094,000 | 944 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,586,000 | 1,481 |
| Total interest expense | $1,191,000 | 3,106 |
| Net interest income | $8,395,000 | 1,184 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $2,142,000 | 1,223 |
| Gross Fiduciary activities income | $298,000 | 516 |
| Service charges on deposit accounts | $849,000 | 1,040 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $995,000 | 1,324 |
| Total noninterest expense | $5,296,000 | 1,526 |
| Salaries and employee benefits | $2,834,000 | 1,558 |
| Premises and equipment expense | $736,000 | 1,570 |
| Additional noninterest expense | $1,726,000 | 1,401 |
| Pre-tax net operating income | $5,191,000 | 840 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,748,000 | 808 |
| Income before extraordinary items | $3,443,000 | 955 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,443,000 | 956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,426 |
| Cash dividends | $2,987,000 | 509 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,443,000 | 916 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,755,000 | 1,489 |
| Total interest expense | $604,000 | 3,102 |
| Net interest income | $4,151,000 | 1,191 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $1,137,000 | 1,142 |
| Gross Fiduciary activities income | $121,000 | 590 |
| Service charges on deposit accounts | $423,000 | 1,013 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $593,000 | 1,155 |
| Total noninterest expense | $2,651,000 | 1,528 |
| Salaries and employee benefits | $1,438,000 | 1,552 |
| Premises and equipment expense | $377,000 | 1,558 |
| Additional noninterest expense | $836,000 | 1,446 |
| Pre-tax net operating income | $2,612,000 | 830 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $879,000 | 818 |
| Income before extraordinary items | $1,733,000 | 933 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,733,000 | 933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,228 |
| Cash dividends | $1,206,000 | 562 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,733,000 | 890 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,856,000 | 1,525 |
| Total interest expense | $2,793,000 | 3,052 |
| Net interest income | $16,063,000 | 1,204 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $3,487,000 | 1,493 |
| Gross Fiduciary activities income | $559,000 | 527 |
| Service charges on deposit accounts | $1,675,000 | 1,032 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,253,000 | 2,060 |
| Total noninterest expense | $10,110,000 | 1,585 |
| Salaries and employee benefits | $5,471,000 | 1,578 |
| Premises and equipment expense | $1,479,000 | 1,542 |
| Additional noninterest expense | $3,160,000 | 1,561 |
| Pre-tax net operating income | $9,140,000 | 927 |
| Securities gains (losses) | $98,000 | 1,917 |
| Applicable income taxes | $3,245,000 | 867 |
| Income before extraordinary items | $5,993,000 | 1,077 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,993,000 | 1,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,586 |
| Cash dividends | $6,145,000 | 534 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,929,300 | 1,025 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,027,000 | 1,560 |
| Total interest expense | $2,159,000 | 3,079 |
| Net interest income | $11,868,000 | 1,232 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $2,585,000 | 1,543 |
| Gross Fiduciary activities income | $414,000 | 538 |
| Service charges on deposit accounts | $1,232,000 | 1,055 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $939,000 | 2,138 |
| Total noninterest expense | $7,560,000 | 1,595 |
| Salaries and employee benefits | $4,133,000 | 1,573 |
| Premises and equipment expense | $1,106,000 | 1,548 |
| Additional noninterest expense | $2,321,000 | 1,581 |
| Pre-tax net operating income | $6,668,000 | 983 |
| Securities gains (losses) | $98,000 | 1,769 |
| Applicable income taxes | $2,397,000 | 925 |
| Income before extraordinary items | $4,369,000 | 1,142 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,369,000 | 1,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,415 |
| Cash dividends | $5,105,000 | 471 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,305,300 | 1,096 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,413,000 | 1,564 |
| Total interest expense | $1,512,000 | 3,021 |
| Net interest income | $7,901,000 | 1,234 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $1,743,000 | 1,524 |
| Gross Fiduciary activities income | $269,000 | 548 |
| Service charges on deposit accounts | $816,000 | 1,058 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $658,000 | 2,063 |
| Total noninterest expense | $5,118,000 | 1,570 |
| Salaries and employee benefits | $2,799,000 | 1,540 |
| Premises and equipment expense | $740,000 | 1,544 |
| Additional noninterest expense | $1,579,000 | 1,540 |
| Pre-tax net operating income | $4,376,000 | 994 |
| Securities gains (losses) | $98,000 | 1,532 |
| Applicable income taxes | $1,587,000 | 949 |
| Income before extraordinary items | $2,887,000 | 1,166 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,887,000 | 1,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,803 |
| Cash dividends | $2,073,000 | 719 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,823,300 | 1,099 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,692,000 | 1,581 |
| Total interest expense | $811,000 | 2,907 |
| Net interest income | $3,881,000 | 1,257 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $849,000 | 1,508 |
| Gross Fiduciary activities income | $136,000 | 553 |
| Service charges on deposit accounts | $406,000 | 1,027 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $307,000 | 2,078 |
| Total noninterest expense | $2,507,000 | 1,597 |
| Salaries and employee benefits | $1,382,000 | 1,543 |
| Premises and equipment expense | $372,000 | 1,542 |
| Additional noninterest expense | $753,000 | 1,570 |
| Pre-tax net operating income | $2,148,000 | 1,018 |
| Securities gains (losses) | $98,000 | 1,014 |
| Applicable income taxes | $798,000 | 961 |
| Income before extraordinary items | $1,448,000 | 1,150 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,448,000 | 1,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 1,766 |
| Cash dividends | $1,064,000 | 660 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,385,280 | 1,117 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,120,000 | 1,609 |
| Total interest expense | $4,031,000 | 2,728 |
| Net interest income | $15,089,000 | 1,279 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $3,380,000 | 1,423 |
| Gross Fiduciary activities income | $643,000 | 493 |
| Service charges on deposit accounts | $1,638,000 | 982 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,099,000 | 2,052 |
| Total noninterest expense | $9,691,000 | 1,586 |
| Salaries and employee benefits | $5,101,000 | 1,585 |
| Premises and equipment expense | $1,472,000 | 1,506 |
| Additional noninterest expense | $3,118,000 | 1,518 |
| Pre-tax net operating income | $8,598,000 | 984 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $3,012,000 | 919 |
| Income before extraordinary items | $5,586,000 | 1,122 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,586,000 | 1,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,796 |
| Cash dividends | $3,941,000 | 758 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,586,000 | 1,077 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,497,000 | 1,748 |
| Total interest expense | $6,113,000 | 2,614 |
| Net interest income | $13,384,000 | 1,323 |
| Provision for loan and lease losses | $310,000 | 3,126 |
| Total noninterest income | $3,625,000 | 1,274 |
| Gross Fiduciary activities income | $766,000 | 476 |
| Service charges on deposit accounts | $1,484,000 | 1,000 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,375,000 | 1,645 |
| Total noninterest expense | $9,007,000 | 1,620 |
| Salaries and employee benefits | $4,525,000 | 1,666 |
| Premises and equipment expense | $1,529,000 | 1,393 |
| Additional noninterest expense | $2,953,000 | 1,571 |
| Pre-tax net operating income | $7,692,000 | 979 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,700,000 | 910 |
| Income before extraordinary items | $4,992,000 | 1,098 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,992,000 | 1,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,857 |
| Cash dividends | $3,428,000 | 819 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,992,000 | 1,055 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,218,000 | 1,803 |
| Total interest expense | $6,445,000 | 2,586 |
| Net interest income | $12,773,000 | 1,373 |
| Provision for loan and lease losses | $204,000 | 3,703 |
| Total noninterest income | $3,395,000 | 1,210 |
| Gross Fiduciary activities income | $806,000 | 470 |
| Service charges on deposit accounts | $1,497,000 | 895 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,092,000 | 1,758 |
| Total noninterest expense | $9,103,000 | 1,537 |
| Salaries and employee benefits | $4,462,000 | 1,593 |
| Premises and equipment expense | $1,593,000 | 1,283 |
| Additional noninterest expense | $3,048,000 | 1,478 |
| Pre-tax net operating income | $6,861,000 | 1,108 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,362,000 | 1,008 |
| Income before extraordinary items | $4,499,000 | 1,179 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,499,000 | 1,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,136 |
| Cash dividends | $3,146,000 | 923 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,499,000 | 1,177 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,392,000 | 1,766 |
| Total interest expense | $6,047,000 | 2,436 |
| Net interest income | $12,345,000 | 1,412 |
| Provision for loan and lease losses | $200,000 | 3,546 |
| Total noninterest income | $3,171,000 | 1,301 |
| Gross Fiduciary activities income | $673,000 | 554 |
| Service charges on deposit accounts | $1,408,000 | 937 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,090,000 | 1,756 |
| Total noninterest expense | $8,961,000 | 1,550 |
| Salaries and employee benefits | $4,928,000 | 1,404 |
| Premises and equipment expense | $1,565,000 | 1,296 |
| Additional noninterest expense | $2,468,000 | 1,794 |
| Pre-tax net operating income | $6,355,000 | 1,206 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $2,183,000 | 1,143 |
| Income before extraordinary items | $4,173,000 | 1,301 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,173,000 | 1,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,686 |
| Cash dividends | $2,892,000 | 1,016 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,172,340 | 1,280 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,817,000 | 1,720 |
| Total interest expense | $6,750,000 | 2,248 |
| Net interest income | $12,067,000 | 1,398 |
| Provision for loan and lease losses | $345,000 | 2,334 |
| Total noninterest income | $2,944,000 | 1,367 |
| Gross Fiduciary activities income | $602,000 | 579 |
| Service charges on deposit accounts | $1,099,000 | 1,150 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,243,000 | 1,592 |
| Total noninterest expense | $8,480,000 | 1,566 |
| Salaries and employee benefits | $5,147,000 | 1,271 |
| Premises and equipment expense | $1,615,000 | 1,184 |
| Additional noninterest expense | $1,718,000 | 2,421 |
| Pre-tax net operating income | $6,186,000 | 1,211 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,996,000 | 1,266 |
| Income before extraordinary items | $4,190,000 | 1,278 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,190,000 | 1,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,612 |
| Cash dividends | $2,861,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,190,000 | 1,228 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,897,000 | 1,752 |
| Total interest expense | $6,962,000 | 2,162 |
| Net interest income | $11,935,000 | 1,452 |
| Provision for loan and lease losses | $416,000 | 2,041 |
| Total noninterest income | $2,545,000 | 1,459 |
| Gross Fiduciary activities income | $597,000 | 598 |
| Service charges on deposit accounts | $1,093,000 | 1,159 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $855,000 | 1,944 |
| Total noninterest expense | $8,150,000 | 1,619 |
| Salaries and employee benefits | $4,845,000 | 1,359 |
| Premises and equipment expense | $1,747,000 | 1,147 |
| Additional noninterest expense | $1,558,000 | 2,636 |
| Pre-tax net operating income | $5,914,000 | 1,312 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,873,000 | 1,402 |
| Income before extraordinary items | $4,041,000 | 1,352 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,041,000 | 1,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,636 |
| Cash dividends | $2,853,000 | 993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,041,000 | 1,312 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,595,000 | 1,820 |
| Total interest expense | $7,237,000 | 2,157 |
| Net interest income | $11,358,000 | 1,568 |
| Provision for loan and lease losses | $570,000 | 1,580 |
| Total noninterest income | $2,120,000 | 1,750 |
| Gross Fiduciary activities income | $514,000 | 697 |
| Service charges on deposit accounts | $1,037,000 | 1,291 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $569,000 | 2,663 |
| Total noninterest expense | $7,807,000 | 1,817 |
| Salaries and employee benefits | $4,408,000 | 1,512 |
| Premises and equipment expense | $1,857,000 | 1,125 |
| Additional noninterest expense | $1,542,000 | 3,052 |
| Pre-tax net operating income | $5,101,000 | 1,415 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,572,000 | 1,538 |
| Income before extraordinary items | $3,529,000 | 1,402 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,529,000 | 1,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,876 |
| Cash dividends | $2,404,000 | 1,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,529,000 | 1,369 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,944,000 | 1,892 |
| Total interest expense | $6,826,000 | 2,286 |
| Net interest income | $11,118,000 | 1,617 |
| Provision for loan and lease losses | $457,000 | 1,692 |
| Total noninterest income | $1,987,000 | 1,838 |
| Gross Fiduciary activities income | $474,000 | 757 |
| Service charges on deposit accounts | $1,009,000 | 1,338 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $504,000 | 2,868 |
| Total noninterest expense | $8,145,000 | 1,726 |
| Salaries and employee benefits | $4,562,000 | 1,456 |
| Premises and equipment expense | $1,683,000 | 1,234 |
| Additional noninterest expense | $1,900,000 | 2,513 |
| Pre-tax net operating income | $4,503,000 | 1,637 |
| Securities gains (losses) | $-31,000 | 10,864 |
| Applicable income taxes | $1,364,000 | 1,789 |
| Income before extraordinary items | $3,108,000 | 1,643 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,108,000 | 1,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 1,350 |
| Cash dividends | $1,513,000 | 1,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,129,390 | 1,600 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,719,000 | 1,959 |
| Total interest expense | $5,662,000 | 2,201 |
| Net interest income | $10,057,000 | 1,797 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $1,864,000 | 1,923 |
| Gross Fiduciary activities income | $424,000 | 793 |
| Service charges on deposit accounts | $996,000 | 1,346 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $444,000 | 3,193 |
| Total noninterest expense | $8,607,000 | 1,701 |
| Salaries and employee benefits | $4,334,000 | 1,545 |
| Premises and equipment expense | $1,541,000 | 1,354 |
| Additional noninterest expense | $2,732,000 | 1,984 |
| Pre-tax net operating income | $3,239,000 | 2,191 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $914,000 | 2,437 |
| Income before extraordinary items | $2,325,000 | 2,098 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,325,000 | 2,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,291 |
| Cash dividends | $817,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,325,000 | 2,119 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,313,000 | 2,051 |
| Total interest expense | $6,230,000 | 2,084 |
| Net interest income | $9,083,000 | 1,987 |
| Provision for loan and lease losses | $325,000 | 2,832 |
| Total noninterest income | $1,973,000 | 2,004 |
| Gross Fiduciary activities income | $395,000 | 845 |
| Service charges on deposit accounts | $1,011,000 | 1,336 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $567,000 | 2,994 |
| Total noninterest expense | $7,985,000 | 1,861 |
| Salaries and employee benefits | $4,178,000 | 1,611 |
| Premises and equipment expense | $1,548,000 | 1,377 |
| Additional noninterest expense | $2,259,000 | 2,454 |
| Pre-tax net operating income | $2,746,000 | 2,499 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $756,000 | 2,886 |
| Income before extraordinary items | $1,990,000 | 2,535 |
| Extraordinary gains, net | $-936,000 | 13,203 |
| Net income | $1,054,000 | 4,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 2,103 |
| Cash dividends | $788,000 | 2,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,990,000 | 2,379 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,929,000 | 2,090 |
| Total interest expense | $7,491,000 | 2,264 |
| Net interest income | $9,438,000 | 1,933 |
| Provision for loan and lease losses | $515,000 | 2,930 |
| Total noninterest income | $1,814,000 | 2,067 |
| Gross Fiduciary activities income | $421,000 | 823 |
| Service charges on deposit accounts | $1,017,000 | 1,309 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $376,000 | 3,846 |
| Total noninterest expense | $7,532,000 | 1,962 |
| Salaries and employee benefits | $3,877,000 | 1,718 |
| Premises and equipment expense | $1,447,000 | 1,482 |
| Additional noninterest expense | $2,208,000 | 2,582 |
| Pre-tax net operating income | $3,205,000 | 1,943 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $953,000 | 2,201 |
| Income before extraordinary items | $2,252,000 | 2,040 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,252,000 | 2,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $612,000 | 2,146 |
| Cash dividends | $888,000 | 1,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,252,000 | 1,871 |
* 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.