Home > The National Bank of Stamford > Income and Expense
The National Bank of Stamford, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,827,000 | 5,691 |
| Total interest expense | $1,338,000 | 6,104 |
| Net interest income | $2,489,000 | 5,230 |
| Provision for loan and lease losses | $-18,000 | 8,329 |
| Total noninterest income | $534,000 | 4,259 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $214,000 | 4,202 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $320,000 | 3,621 |
| Total noninterest expense | $2,502,000 | 4,659 |
| Salaries and employee benefits | $1,341,000 | 4,737 |
| Premises and equipment expense | $237,000 | 5,646 |
| Additional noninterest expense | $924,000 | 3,935 |
| Pre-tax net operating income | $539,000 | 5,646 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $163,000 | 3,957 |
| Income before extraordinary items | $376,000 | 5,944 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $376,000 | 5,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,327 |
| Cash dividends | $185,000 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $376,000 | 5,932 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,542,000 | 5,729 |
| Total interest expense | $869,000 | 6,203 |
| Net interest income | $1,673,000 | 5,235 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $341,000 | 4,383 |
| Gross Fiduciary activities income | $1,000 | 1,345 |
| Service charges on deposit accounts | $146,000 | 4,140 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $194,000 | 3,835 |
| Total noninterest expense | $1,651,000 | 4,701 |
| Salaries and employee benefits | $901,000 | 4,746 |
| Premises and equipment expense | $150,000 | 5,809 |
| Additional noninterest expense | $600,000 | 4,007 |
| Pre-tax net operating income | $348,000 | 5,768 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $130,000 | 3,822 |
| Income before extraordinary items | $218,000 | 6,237 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $218,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,475 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $218,000 | 6,226 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 5,808 |
| Total interest expense | $401,000 | 6,362 |
| Net interest income | $835,000 | 5,239 |
| Provision for loan and lease losses | $2,000 | 5,657 |
| Total noninterest income | $164,000 | 4,431 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $74,000 | 4,056 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $90,000 | 3,960 |
| Total noninterest expense | $833,000 | 4,677 |
| Salaries and employee benefits | $455,000 | 4,752 |
| Premises and equipment expense | $79,000 | 5,713 |
| Additional noninterest expense | $299,000 | 3,982 |
| Pre-tax net operating income | $164,000 | 5,887 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $61,000 | 3,885 |
| Income before extraordinary items | $103,000 | 6,350 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $103,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $103,000 | 6,331 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,962,000 | 5,577 |
| Total interest expense | $1,558,000 | 6,025 |
| Net interest income | $3,404,000 | 5,143 |
| Provision for loan and lease losses | $-57,000 | 8,412 |
| Total noninterest income | $698,000 | 4,360 |
| Gross Fiduciary activities income | $6,000 | 1,339 |
| Service charges on deposit accounts | $310,000 | 4,064 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $382,000 | 3,813 |
| Total noninterest expense | $3,477,000 | 4,417 |
| Salaries and employee benefits | $1,838,000 | 4,553 |
| Premises and equipment expense | $326,000 | 5,520 |
| Additional noninterest expense | $1,313,000 | 3,677 |
| Pre-tax net operating income | $682,000 | 5,963 |
| Securities gains (losses) | $154,000 | 438 |
| Applicable income taxes | $134,000 | 4,731 |
| Income before extraordinary items | $702,000 | 5,504 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $702,000 | 5,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $516,000 | 3,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $572,640 | 5,911 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,725,000 | 5,579 |
| Total interest expense | $1,181,000 | 5,948 |
| Net interest income | $2,544,000 | 5,199 |
| Provision for loan and lease losses | $-59,000 | 8,539 |
| Total noninterest income | $524,000 | 4,364 |
| Gross Fiduciary activities income | $4,000 | 1,314 |
| Service charges on deposit accounts | $234,000 | 4,068 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $286,000 | 3,821 |
| Total noninterest expense | $2,604,000 | 4,412 |
| Salaries and employee benefits | $1,329,000 | 4,637 |
| Premises and equipment expense | $241,000 | 5,591 |
| Additional noninterest expense | $1,034,000 | 3,522 |
| Pre-tax net operating income | $523,000 | 6,127 |
| Securities gains (losses) | $154,000 | 364 |
| Applicable income taxes | $137,000 | 4,562 |
| Income before extraordinary items | $540,000 | 5,600 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $540,000 | 5,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $258,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $416,800 | 6,154 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,517,000 | 5,505 |
| Total interest expense | $822,000 | 5,739 |
| Net interest income | $1,695,000 | 5,232 |
| Provision for loan and lease losses | $-44,000 | 8,575 |
| Total noninterest income | $333,000 | 4,474 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $157,000 | 4,046 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $175,000 | 4,001 |
| Total noninterest expense | $1,817,000 | 4,268 |
| Salaries and employee benefits | $891,000 | 4,651 |
| Premises and equipment expense | $162,000 | 5,568 |
| Additional noninterest expense | $764,000 | 3,244 |
| Pre-tax net operating income | $255,000 | 6,739 |
| Securities gains (losses) | $185,000 | 277 |
| Applicable income taxes | $98,000 | 4,532 |
| Income before extraordinary items | $342,000 | 5,737 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $342,000 | 5,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $258,000 | 3,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $197,700 | 6,785 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,300,000 | 5,356 |
| Total interest expense | $471,000 | 5,280 |
| Net interest income | $829,000 | 5,292 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $158,000 | 4,547 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $78,000 | 3,989 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $79,000 | 4,177 |
| Total noninterest expense | $1,012,000 | 3,991 |
| Salaries and employee benefits | $447,000 | 4,666 |
| Premises and equipment expense | $85,000 | 5,458 |
| Additional noninterest expense | $480,000 | 2,630 |
| Pre-tax net operating income | $-37,000 | 8,351 |
| Securities gains (losses) | $185,000 | 193 |
| Applicable income taxes | $35,000 | 4,870 |
| Income before extraordinary items | $113,000 | 6,517 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 6,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-27,600 | 8,313 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,112,000 | 5,090 |
| Total interest expense | $1,956,000 | 4,495 |
| Net interest income | $3,156,000 | 5,350 |
| Provision for loan and lease losses | $-43,000 | 8,567 |
| Total noninterest income | $690,000 | 4,424 |
| Gross Fiduciary activities income | $4,000 | 1,396 |
| Service charges on deposit accounts | $318,000 | 4,047 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $368,000 | 3,919 |
| Total noninterest expense | $3,224,000 | 4,553 |
| Salaries and employee benefits | $1,725,000 | 4,612 |
| Premises and equipment expense | $352,000 | 5,267 |
| Additional noninterest expense | $1,147,000 | 3,998 |
| Pre-tax net operating income | $665,000 | 6,235 |
| Securities gains (losses) | $151,000 | 579 |
| Applicable income taxes | $159,000 | 4,934 |
| Income before extraordinary items | $657,000 | 5,795 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $657,000 | 5,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,159 |
| Cash dividends | $516,000 | 3,581 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $534,690 | 6,207 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,794,000 | 5,083 |
| Total interest expense | $1,446,000 | 4,399 |
| Net interest income | $2,348,000 | 5,381 |
| Provision for loan and lease losses | $-55,000 | 8,675 |
| Total noninterest income | $514,000 | 4,472 |
| Gross Fiduciary activities income | $2,000 | 1,379 |
| Service charges on deposit accounts | $240,000 | 4,062 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $272,000 | 3,974 |
| Total noninterest expense | $2,361,000 | 4,598 |
| Salaries and employee benefits | $1,283,000 | 4,613 |
| Premises and equipment expense | $262,000 | 5,272 |
| Additional noninterest expense | $816,000 | 4,121 |
| Pre-tax net operating income | $556,000 | 6,184 |
| Securities gains (losses) | $151,000 | 541 |
| Applicable income taxes | $146,000 | 4,837 |
| Income before extraordinary items | $561,000 | 5,622 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $561,000 | 5,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,983 |
| Cash dividends | $258,000 | 3,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $441,710 | 6,135 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,500,000 | 5,062 |
| Total interest expense | $944,000 | 4,301 |
| Net interest income | $1,556,000 | 5,381 |
| Provision for loan and lease losses | $-87,000 | 8,725 |
| Total noninterest income | $301,000 | 4,778 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $154,000 | 4,093 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $146,000 | 4,386 |
| Total noninterest expense | $1,556,000 | 4,619 |
| Salaries and employee benefits | $859,000 | 4,572 |
| Premises and equipment expense | $175,000 | 5,260 |
| Additional noninterest expense | $522,000 | 4,228 |
| Pre-tax net operating income | $388,000 | 6,055 |
| Securities gains (losses) | $66,000 | 706 |
| Applicable income taxes | $98,000 | 4,834 |
| Income before extraordinary items | $356,000 | 5,736 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $356,000 | 5,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-121,000 | 8,698 |
| Cash dividends | $258,000 | 3,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $304,520 | 6,043 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,225,000 | 5,116 |
| Total interest expense | $462,000 | 4,253 |
| Net interest income | $763,000 | 5,482 |
| Provision for loan and lease losses | $-99,000 | 8,830 |
| Total noninterest income | $169,000 | 4,398 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $75,000 | 4,075 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $93,000 | 3,882 |
| Total noninterest expense | $765,000 | 4,684 |
| Salaries and employee benefits | $430,000 | 4,588 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $247,000 | 4,407 |
| Pre-tax net operating income | $266,000 | 5,298 |
| Securities gains (losses) | $66,000 | 478 |
| Applicable income taxes | $122,000 | 3,441 |
| Income before extraordinary items | $210,000 | 5,300 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $210,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-128,000 | 8,827 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $167,760 | 5,816 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,678,000 | 5,062 |
| Total interest expense | $1,724,000 | 4,093 |
| Net interest income | $2,954,000 | 5,456 |
| Provision for loan and lease losses | $-131,000 | 8,810 |
| Total noninterest income | $768,000 | 4,158 |
| Gross Fiduciary activities income | $2,000 | 1,487 |
| Service charges on deposit accounts | $380,000 | 3,760 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $386,000 | 3,782 |
| Total noninterest expense | $3,175,000 | 4,476 |
| Salaries and employee benefits | $1,858,000 | 4,235 |
| Premises and equipment expense | $351,000 | 5,203 |
| Additional noninterest expense | $966,000 | 4,471 |
| Pre-tax net operating income | $678,000 | 6,167 |
| Securities gains (losses) | $220,000 | 780 |
| Applicable income taxes | $244,000 | 4,484 |
| Income before extraordinary items | $654,000 | 5,762 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $654,000 | 5,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,856 |
| Cash dividends | $516,000 | 3,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $493,400 | 6,315 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,455,000 | 5,102 |
| Total interest expense | $1,278,000 | 4,085 |
| Net interest income | $2,177,000 | 5,507 |
| Provision for loan and lease losses | $-120,000 | 8,884 |
| Total noninterest income | $572,000 | 4,201 |
| Gross Fiduciary activities income | $2,000 | 1,430 |
| Service charges on deposit accounts | $279,000 | 3,832 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $291,000 | 3,779 |
| Total noninterest expense | $2,281,000 | 4,583 |
| Salaries and employee benefits | $1,314,000 | 4,386 |
| Premises and equipment expense | $261,000 | 5,203 |
| Additional noninterest expense | $706,000 | 4,487 |
| Pre-tax net operating income | $588,000 | 5,951 |
| Securities gains (losses) | $220,000 | 726 |
| Applicable income taxes | $312,000 | 3,729 |
| Income before extraordinary items | $496,000 | 5,828 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $496,000 | 5,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,309 |
| Cash dividends | $258,000 | 3,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $355,200 | 6,508 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,291,000 | 5,120 |
| Total interest expense | $847,000 | 4,107 |
| Net interest income | $1,444,000 | 5,516 |
| Provision for loan and lease losses | $-108,000 | 8,968 |
| Total noninterest income | $361,000 | 4,357 |
| Gross Fiduciary activities income | $1,000 | 1,443 |
| Service charges on deposit accounts | $182,000 | 3,874 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $178,000 | 3,993 |
| Total noninterest expense | $1,532,000 | 4,594 |
| Salaries and employee benefits | $879,000 | 4,407 |
| Premises and equipment expense | $175,000 | 5,210 |
| Additional noninterest expense | $478,000 | 4,472 |
| Pre-tax net operating income | $381,000 | 5,976 |
| Securities gains (losses) | $160,000 | 753 |
| Applicable income taxes | $197,000 | 3,814 |
| Income before extraordinary items | $344,000 | 5,720 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $344,000 | 5,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $258,000 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $241,600 | 6,439 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,144,000 | 5,142 |
| Total interest expense | $424,000 | 4,152 |
| Net interest income | $720,000 | 5,527 |
| Provision for loan and lease losses | $-55,000 | 9,008 |
| Total noninterest income | $192,000 | 4,151 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $85,000 | 3,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $106,000 | 3,585 |
| Total noninterest expense | $780,000 | 4,555 |
| Salaries and employee benefits | $439,000 | 4,431 |
| Premises and equipment expense | $93,000 | 5,051 |
| Additional noninterest expense | $248,000 | 4,344 |
| Pre-tax net operating income | $187,000 | 5,983 |
| Securities gains (losses) | $160,000 | 598 |
| Applicable income taxes | $138,000 | 3,239 |
| Income before extraordinary items | $209,000 | 5,227 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $209,000 | 5,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $106,600 | 6,653 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,565,000 | 5,189 |
| Total interest expense | $1,890,000 | 4,198 |
| Net interest income | $2,675,000 | 5,667 |
| Provision for loan and lease losses | $246,000 | 3,579 |
| Total noninterest income | $1,111,000 | 3,486 |
| Gross Fiduciary activities income | $5,000 | 1,443 |
| Service charges on deposit accounts | $350,000 | 3,951 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $756,000 | 2,829 |
| Total noninterest expense | $3,077,000 | 4,531 |
| Salaries and employee benefits | $1,695,000 | 4,448 |
| Premises and equipment expense | $350,000 | 5,168 |
| Additional noninterest expense | $1,032,000 | 4,171 |
| Pre-tax net operating income | $463,000 | 6,794 |
| Securities gains (losses) | $257,000 | 1,152 |
| Applicable income taxes | $101,000 | 5,716 |
| Income before extraordinary items | $619,000 | 5,884 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $619,000 | 5,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,817 |
| Cash dividends | $1,017,000 | 2,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $397,980 | 6,666 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,491,000 | 5,199 |
| Total interest expense | $1,457,000 | 4,243 |
| Net interest income | $2,034,000 | 5,666 |
| Provision for loan and lease losses | $268,000 | 2,750 |
| Total noninterest income | $924,000 | 3,306 |
| Gross Fiduciary activities income | $5,000 | 1,384 |
| Service charges on deposit accounts | $254,000 | 4,044 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $665,000 | 2,660 |
| Total noninterest expense | $2,373,000 | 4,437 |
| Salaries and employee benefits | $1,324,000 | 4,308 |
| Premises and equipment expense | $245,000 | 5,397 |
| Additional noninterest expense | $804,000 | 4,044 |
| Pre-tax net operating income | $317,000 | 7,086 |
| Securities gains (losses) | $367,000 | 837 |
| Applicable income taxes | $265,000 | 4,156 |
| Income before extraordinary items | $419,000 | 6,242 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $419,000 | 6,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,064 |
| Cash dividends | $758,000 | 2,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $184,120 | 7,544 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,481,000 | 5,016 |
| Total interest expense | $998,000 | 4,262 |
| Net interest income | $1,483,000 | 5,367 |
| Provision for loan and lease losses | $233,000 | 2,266 |
| Total noninterest income | $722,000 | 2,946 |
| Gross Fiduciary activities income | $4,000 | 1,366 |
| Service charges on deposit accounts | $164,000 | 4,092 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $554,000 | 2,296 |
| Total noninterest expense | $1,588,000 | 4,405 |
| Salaries and employee benefits | $892,000 | 4,281 |
| Premises and equipment expense | $169,000 | 5,253 |
| Additional noninterest expense | $527,000 | 4,075 |
| Pre-tax net operating income | $384,000 | 5,969 |
| Securities gains (losses) | $166,000 | 1,164 |
| Applicable income taxes | $213,000 | 3,843 |
| Income before extraordinary items | $337,000 | 5,824 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $337,000 | 5,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 1,526 |
| Cash dividends | $758,000 | 1,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $230,760 | 6,490 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,289,000 | 4,907 |
| Total interest expense | $508,000 | 4,294 |
| Net interest income | $781,000 | 5,179 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $537,000 | 2,173 |
| Gross Fiduciary activities income | $3,000 | 1,293 |
| Service charges on deposit accounts | $78,000 | 4,130 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $456,000 | 1,579 |
| Total noninterest expense | $770,000 | 4,484 |
| Salaries and employee benefits | $444,000 | 4,285 |
| Premises and equipment expense | $88,000 | 5,119 |
| Additional noninterest expense | $238,000 | 4,379 |
| Pre-tax net operating income | $524,000 | 3,382 |
| Securities gains (losses) | $166,000 | 734 |
| Applicable income taxes | $267,000 | 2,219 |
| Income before extraordinary items | $423,000 | 3,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $423,000 | 3,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $500,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $316,760 | 3,894 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,472,000 | 4,860 |
| Total interest expense | $2,153,000 | 4,581 |
| Net interest income | $3,319,000 | 4,941 |
| Provision for loan and lease losses | $89,000 | 5,940 |
| Total noninterest income | $525,000 | 5,085 |
| Gross Fiduciary activities income | $6,000 | 1,474 |
| Service charges on deposit accounts | $319,000 | 4,098 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $200,000 | 5,031 |
| Total noninterest expense | $2,997,000 | 4,462 |
| Salaries and employee benefits | $1,555,000 | 4,561 |
| Premises and equipment expense | $411,000 | 4,550 |
| Additional noninterest expense | $1,031,000 | 4,080 |
| Pre-tax net operating income | $758,000 | 5,904 |
| Securities gains (losses) | $354,000 | 808 |
| Applicable income taxes | $392,000 | 3,926 |
| Income before extraordinary items | $720,000 | 5,484 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $720,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $1,181,000 | 1,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $489,900 | 6,295 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,704,000 | 4,570 |
| Total interest expense | $3,250,000 | 4,442 |
| Net interest income | $3,454,000 | 4,600 |
| Provision for loan and lease losses | $5,000 | 8,099 |
| Total noninterest income | $507,000 | 5,031 |
| Gross Fiduciary activities income | $14,000 | 1,366 |
| Service charges on deposit accounts | $276,000 | 4,380 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $217,000 | 4,766 |
| Total noninterest expense | $2,701,000 | 4,698 |
| Salaries and employee benefits | $1,429,000 | 4,680 |
| Premises and equipment expense | $369,000 | 4,858 |
| Additional noninterest expense | $903,000 | 4,399 |
| Pre-tax net operating income | $1,255,000 | 4,327 |
| Securities gains (losses) | $207,000 | 1,165 |
| Applicable income taxes | $454,000 | 3,487 |
| Income before extraordinary items | $1,008,000 | 4,273 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,008,000 | 4,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,729 |
| Cash dividends | $722,000 | 2,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $865,170 | 4,558 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,214,000 | 4,472 |
| Total interest expense | $3,535,000 | 4,351 |
| Net interest income | $3,679,000 | 4,455 |
| Provision for loan and lease losses | $-200,000 | 9,844 |
| Total noninterest income | $416,000 | 5,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 5,687 |
| Total noninterest expense | $3,154,000 | 4,060 |
| Salaries and employee benefits | $1,365,000 | 4,711 |
| Premises and equipment expense | $365,000 | 4,803 |
| Additional noninterest expense | $1,424,000 | 2,955 |
| Pre-tax net operating income | $1,141,000 | 4,870 |
| Securities gains (losses) | $33,000 | 819 |
| Applicable income taxes | $399,000 | 3,987 |
| Income before extraordinary items | $775,000 | 5,134 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $775,000 | 5,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $2,222,000 | 1,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $753,220 | 5,218 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,411,000 | 4,729 |
| Total interest expense | $2,882,000 | 4,740 |
| Net interest income | $3,529,000 | 4,630 |
| Provision for loan and lease losses | $65,000 | 6,026 |
| Total noninterest income | $388,000 | 5,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,047 |
| Total noninterest expense | $2,658,000 | 4,645 |
| Salaries and employee benefits | $1,360,000 | 4,696 |
| Premises and equipment expense | $353,000 | 4,947 |
| Additional noninterest expense | $945,000 | 4,204 |
| Pre-tax net operating income | $1,194,000 | 4,780 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $404,000 | 4,134 |
| Income before extraordinary items | $793,000 | 5,117 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $793,000 | 5,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $829,000 | 2,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $791,020 | 5,084 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,194,000 | 4,881 |
| Total interest expense | $2,720,000 | 5,072 |
| Net interest income | $3,474,000 | 4,633 |
| Provision for loan and lease losses | $490,000 | 1,746 |
| Total noninterest income | $435,000 | 5,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,440 |
| Total noninterest expense | $2,614,000 | 4,619 |
| Salaries and employee benefits | $1,305,000 | 4,746 |
| Premises and equipment expense | $346,000 | 4,921 |
| Additional noninterest expense | $963,000 | 4,084 |
| Pre-tax net operating income | $805,000 | 6,080 |
| Securities gains (losses) | $128,000 | 1,137 |
| Applicable income taxes | $290,000 | 5,254 |
| Income before extraordinary items | $643,000 | 5,852 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $643,000 | 5,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $766,000 | 916 |
| Cash dividends | $788,000 | 2,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $554,680 | 6,181 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,011,000 | 5,065 |
| Total interest expense | $2,263,000 | 5,774 |
| Net interest income | $3,748,000 | 4,473 |
| Provision for loan and lease losses | $43,000 | 6,927 |
| Total noninterest income | $419,000 | 5,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 3,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,540 |
| Total noninterest expense | $2,557,000 | 4,700 |
| Salaries and employee benefits | $1,247,000 | 4,938 |
| Premises and equipment expense | $371,000 | 4,699 |
| Additional noninterest expense | $939,000 | 4,142 |
| Pre-tax net operating income | $1,567,000 | 4,323 |
| Securities gains (losses) | $-66,000 | 10,696 |
| Applicable income taxes | $461,000 | 4,457 |
| Income before extraordinary items | $1,040,000 | 4,558 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,040,000 | 4,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,133 |
| Cash dividends | $919,000 | 2,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,085,540 | 4,336 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,916,000 | 5,237 |
| Total interest expense | $2,249,000 | 5,942 |
| Net interest income | $3,667,000 | 4,645 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $467,000 | 5,403 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,703 |
| Total noninterest expense | $2,854,000 | 4,472 |
| Salaries and employee benefits | $1,044,000 | 5,818 |
| Premises and equipment expense | $453,000 | 4,093 |
| Additional noninterest expense | $1,357,000 | 3,402 |
| Pre-tax net operating income | $1,130,000 | 5,318 |
| Securities gains (losses) | $-110,000 | 11,231 |
| Applicable income taxes | $272,000 | 6,150 |
| Income before extraordinary items | $748,000 | 5,533 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $748,000 | 5,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 10,977 |
| Cash dividends | $1,439,000 | 1,637 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 11,288 |
| Net operating income | $828,300 | 5,116 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,000,000 | 5,212 |
| Total interest expense | $2,189,000 | 6,106 |
| Net interest income | $3,811,000 | 4,493 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $477,000 | 5,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $390,000 | 3,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,676 |
| Total noninterest expense | $2,475,000 | 5,041 |
| Salaries and employee benefits | $1,046,000 | 5,821 |
| Premises and equipment expense | $464,000 | 4,005 |
| Additional noninterest expense | $965,000 | 4,493 |
| Pre-tax net operating income | $1,813,000 | 3,822 |
| Securities gains (losses) | $33,000 | 1,557 |
| Applicable income taxes | $430,000 | 4,693 |
| Income before extraordinary items | $1,416,000 | 3,413 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,416,000 | 3,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $739,000 | 2,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,390,590 | 3,459 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,766,000 | 5,042 |
| Total interest expense | $1,848,000 | 5,952 |
| Net interest income | $3,918,000 | 4,470 |
| Provision for loan and lease losses | $-219,000 | 12,346 |
| Total noninterest income | $471,000 | 5,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,539 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 7,880 |
| Total noninterest expense | $2,619,000 | 4,950 |
| Salaries and employee benefits | $1,081,000 | 5,725 |
| Premises and equipment expense | $452,000 | 4,133 |
| Additional noninterest expense | $1,086,000 | 4,400 |
| Pre-tax net operating income | $1,989,000 | 3,433 |
| Securities gains (losses) | $-231,000 | 12,003 |
| Applicable income taxes | $531,000 | 3,878 |
| Income before extraordinary items | $1,227,000 | 3,779 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,227,000 | 3,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,376 |
| Cash dividends | $1,234,000 | 1,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,388,700 | 3,420 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,035,000 | 4,924 |
| Total interest expense | $2,031,000 | 5,756 |
| Net interest income | $4,004,000 | 4,399 |
| Provision for loan and lease losses | $351,000 | 2,700 |
| Total noninterest income | $488,000 | 5,698 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $406,000 | 3,391 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,541 |
| Total noninterest expense | $2,484,000 | 5,308 |
| Salaries and employee benefits | $1,102,000 | 5,636 |
| Premises and equipment expense | $402,000 | 4,694 |
| Additional noninterest expense | $980,000 | 5,004 |
| Pre-tax net operating income | $1,657,000 | 3,954 |
| Securities gains (losses) | $231,000 | 1,527 |
| Applicable income taxes | $507,000 | 4,134 |
| Income before extraordinary items | $1,381,000 | 3,498 |
| Extraordinary gains, net | $83,000 | 1,747 |
| Net income | $1,464,000 | 3,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 2,419 |
| Cash dividends | $675,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,212,370 | 3,771 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,723,000 | 4,996 |
| Total interest expense | $2,544,000 | 5,910 |
| Net interest income | $4,179,000 | 4,272 |
| Provision for loan and lease losses | $500,000 | 2,991 |
| Total noninterest income | $561,000 | 5,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $510,000 | 2,716 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $2,354,000 | 5,579 |
| Salaries and employee benefits | $1,041,000 | 5,814 |
| Premises and equipment expense | $347,000 | 5,405 |
| Additional noninterest expense | $966,000 | 5,197 |
| Pre-tax net operating income | $1,886,000 | 3,287 |
| Securities gains (losses) | $94,000 | 3,106 |
| Applicable income taxes | $499,000 | 4,008 |
| Income before extraordinary items | $1,481,000 | 3,112 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,481,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 2,553 |
| Cash dividends | $648,000 | 2,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,410,500 | 3,022 |
* 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.