Home > The National Bank of Walton County > Income and Expense
The National Bank of Walton County, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,869,000 | 2,456 |
| Total interest expense | $3,118,000 | 2,617 |
| Net interest income | $4,751,000 | 2,314 |
| Provision for loan and lease losses | $641,000 | 1,628 |
| Total noninterest income | $1,040,000 | 2,176 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $726,000 | 1,225 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $314,000 | 2,953 |
| Total noninterest expense | $3,079,000 | 2,983 |
| Salaries and employee benefits | $1,596,000 | 3,154 |
| Premises and equipment expense | $268,000 | 4,319 |
| Additional noninterest expense | $1,215,000 | 2,315 |
| Pre-tax net operating income | $2,071,000 | 1,639 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $747,000 | 1,171 |
| Income before extraordinary items | $1,324,000 | 2,005 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,324,000 | 2,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,315 |
| Cash dividends | $1,816,000 | 849 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 847 |
| Net operating income | $1,324,000 | 1,965 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,150,000 | 2,406 |
| Total interest expense | $1,686,000 | 2,599 |
| Net interest income | $2,464,000 | 2,248 |
| Provision for loan and lease losses | $309,000 | 1,348 |
| Total noninterest income | $574,000 | 2,030 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $380,000 | 1,156 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $194,000 | 2,623 |
| Total noninterest expense | $1,497,000 | 3,070 |
| Salaries and employee benefits | $806,000 | 3,142 |
| Premises and equipment expense | $133,000 | 4,350 |
| Additional noninterest expense | $558,000 | 2,471 |
| Pre-tax net operating income | $1,232,000 | 1,494 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $450,000 | 1,099 |
| Income before extraordinary items | $782,000 | 1,850 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $782,000 | 1,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,284 |
| Cash dividends | $1,056,000 | 702 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 708 |
| Net operating income | $782,000 | 1,783 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,111,000 | 2,273 |
| Total interest expense | $7,779,000 | 2,375 |
| Net interest income | $10,332,000 | 2,185 |
| Provision for loan and lease losses | $652,000 | 1,942 |
| Total noninterest income | $2,291,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,778,000 | 1,005 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $513,000 | 3,268 |
| Total noninterest expense | $6,063,000 | 2,945 |
| Salaries and employee benefits | $3,207,000 | 3,060 |
| Premises and equipment expense | $538,000 | 4,150 |
| Additional noninterest expense | $2,318,000 | 2,331 |
| Pre-tax net operating income | $5,908,000 | 1,415 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,171,000 | 1,059 |
| Income before extraordinary items | $3,737,000 | 1,696 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,737,000 | 1,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $579,000 | 1,518 |
| Cash dividends | $3,792,000 | 972 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 885 |
| Net operating income | $3,737,000 | 1,680 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,553,000 | 2,290 |
| Total interest expense | $5,870,000 | 2,355 |
| Net interest income | $7,683,000 | 2,215 |
| Provision for loan and lease losses | $855,000 | 1,020 |
| Total noninterest income | $1,681,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,296,000 | 1,017 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $385,000 | 3,276 |
| Total noninterest expense | $4,579,000 | 2,902 |
| Salaries and employee benefits | $2,435,000 | 3,001 |
| Premises and equipment expense | $419,000 | 4,027 |
| Additional noninterest expense | $1,725,000 | 2,305 |
| Pre-tax net operating income | $3,930,000 | 1,691 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,458,000 | 1,256 |
| Income before extraordinary items | $2,472,000 | 2,022 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,472,000 | 2,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 1,179 |
| Cash dividends | $2,966,000 | 889 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 747 |
| Net operating income | $2,472,000 | 2,013 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,864,000 | 2,354 |
| Total interest expense | $3,830,000 | 2,413 |
| Net interest income | $5,034,000 | 2,280 |
| Provision for loan and lease losses | $795,000 | 702 |
| Total noninterest income | $1,092,000 | 2,094 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $852,000 | 1,036 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $240,000 | 3,427 |
| Total noninterest expense | $3,032,000 | 2,953 |
| Salaries and employee benefits | $1,603,000 | 3,066 |
| Premises and equipment expense | $281,000 | 4,037 |
| Additional noninterest expense | $1,148,000 | 2,317 |
| Pre-tax net operating income | $2,299,000 | 1,925 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $850,000 | 1,435 |
| Income before extraordinary items | $1,449,000 | 2,262 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,449,000 | 2,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 884 |
| Cash dividends | $1,718,000 | 1,010 |
| Sale, conversion, retirement of capital stock, net | $85,000 | 639 |
| Net operating income | $1,449,000 | 2,247 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,350,000 | 2,386 |
| Total interest expense | $1,871,000 | 2,442 |
| Net interest income | $2,479,000 | 2,311 |
| Provision for loan and lease losses | $560,000 | 486 |
| Total noninterest income | $525,000 | 2,144 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $405,000 | 1,060 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $120,000 | 3,430 |
| Total noninterest expense | $1,535,000 | 2,924 |
| Salaries and employee benefits | $807,000 | 3,063 |
| Premises and equipment expense | $150,000 | 3,863 |
| Additional noninterest expense | $578,000 | 2,262 |
| Pre-tax net operating income | $909,000 | 2,324 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $331,000 | 1,737 |
| Income before extraordinary items | $578,000 | 2,715 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $578,000 | 2,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 525 |
| Cash dividends | $464,000 | 1,501 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 473 |
| Net operating income | $578,000 | 2,703 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,731,000 | 2,337 |
| Total interest expense | $6,442,000 | 2,438 |
| Net interest income | $10,289,000 | 2,244 |
| Provision for loan and lease losses | $192,000 | 3,610 |
| Total noninterest income | $2,433,000 | 1,923 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,763,000 | 1,003 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $670,000 | 2,821 |
| Total noninterest expense | $6,049,000 | 2,855 |
| Salaries and employee benefits | $3,383,000 | 2,812 |
| Premises and equipment expense | $558,000 | 3,972 |
| Additional noninterest expense | $2,108,000 | 2,444 |
| Pre-tax net operating income | $6,481,000 | 1,497 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,357,000 | 1,173 |
| Income before extraordinary items | $4,124,000 | 1,741 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,124,000 | 1,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,358 |
| Cash dividends | $2,062,000 | 1,487 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 848 |
| Net operating income | $4,124,000 | 1,727 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,432,000 | 2,335 |
| Total interest expense | $4,640,000 | 2,464 |
| Net interest income | $7,792,000 | 2,244 |
| Provision for loan and lease losses | $192,000 | 2,947 |
| Total noninterest income | $1,721,000 | 2,017 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,359,000 | 979 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $362,000 | 3,375 |
| Total noninterest expense | $4,555,000 | 2,841 |
| Salaries and employee benefits | $2,540,000 | 2,805 |
| Premises and equipment expense | $439,000 | 3,851 |
| Additional noninterest expense | $1,576,000 | 2,437 |
| Pre-tax net operating income | $4,766,000 | 1,565 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,747,000 | 1,227 |
| Income before extraordinary items | $3,019,000 | 1,825 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,019,000 | 1,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 1,698 |
| Cash dividends | $1,598,000 | 1,373 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 717 |
| Net operating income | $3,019,000 | 1,805 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,178,000 | 2,328 |
| Total interest expense | $2,947,000 | 2,473 |
| Net interest income | $5,231,000 | 2,234 |
| Provision for loan and lease losses | $192,000 | 2,179 |
| Total noninterest income | $1,142,000 | 2,020 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $905,000 | 968 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $237,000 | 3,419 |
| Total noninterest expense | $3,007,000 | 2,875 |
| Salaries and employee benefits | $1,689,000 | 2,810 |
| Premises and equipment expense | $293,000 | 3,837 |
| Additional noninterest expense | $1,025,000 | 2,499 |
| Pre-tax net operating income | $3,174,000 | 1,574 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,165,000 | 1,232 |
| Income before extraordinary items | $2,009,000 | 1,824 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,009,000 | 1,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 1,242 |
| Cash dividends | $1,133,000 | 1,303 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 595 |
| Net operating income | $2,009,000 | 1,809 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,927,000 | 2,363 |
| Total interest expense | $1,391,000 | 2,483 |
| Net interest income | $2,536,000 | 2,297 |
| Provision for loan and lease losses | $134,000 | 1,620 |
| Total noninterest income | $556,000 | 2,044 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $437,000 | 974 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $119,000 | 3,396 |
| Total noninterest expense | $1,501,000 | 2,872 |
| Salaries and employee benefits | $856,000 | 2,807 |
| Premises and equipment expense | $140,000 | 3,988 |
| Additional noninterest expense | $505,000 | 2,522 |
| Pre-tax net operating income | $1,457,000 | 1,661 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $538,000 | 1,310 |
| Income before extraordinary items | $919,000 | 1,937 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $919,000 | 1,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 698 |
| Cash dividends | $669,000 | 1,061 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 442 |
| Net operating income | $919,000 | 1,914 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,868,000 | 2,379 |
| Total interest expense | $4,009,000 | 2,650 |
| Net interest income | $9,859,000 | 2,249 |
| Provision for loan and lease losses | $415,000 | 2,215 |
| Total noninterest income | $2,275,000 | 2,018 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,740,000 | 1,008 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $535,000 | 3,249 |
| Total noninterest expense | $5,648,000 | 2,907 |
| Salaries and employee benefits | $3,154,000 | 2,841 |
| Premises and equipment expense | $543,000 | 3,943 |
| Additional noninterest expense | $1,951,000 | 2,549 |
| Pre-tax net operating income | $6,071,000 | 1,572 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $2,229,000 | 1,242 |
| Income before extraordinary items | $3,844,000 | 1,795 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,844,000 | 1,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,472 |
| Cash dividends | $2,159,000 | 1,373 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 809 |
| Net operating income | $3,842,720 | 1,772 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,001,000 | 2,418 |
| Total interest expense | $2,722,000 | 2,738 |
| Net interest income | $7,279,000 | 2,254 |
| Provision for loan and lease losses | $275,000 | 2,345 |
| Total noninterest income | $1,740,000 | 1,978 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,309,000 | 1,005 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $431,000 | 3,148 |
| Total noninterest expense | $4,209,000 | 2,889 |
| Salaries and employee benefits | $2,323,000 | 2,855 |
| Premises and equipment expense | $397,000 | 3,995 |
| Additional noninterest expense | $1,489,000 | 2,472 |
| Pre-tax net operating income | $4,535,000 | 1,574 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,662,000 | 1,267 |
| Income before extraordinary items | $2,873,000 | 1,822 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,873,000 | 1,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,001 |
| Cash dividends | $1,729,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 676 |
| Net operating income | $2,873,000 | 1,786 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,389,000 | 2,458 |
| Total interest expense | $1,640,000 | 2,832 |
| Net interest income | $4,749,000 | 2,287 |
| Provision for loan and lease losses | $275,000 | 1,648 |
| Total noninterest income | $1,147,000 | 1,978 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $848,000 | 1,016 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $299,000 | 3,060 |
| Total noninterest expense | $2,777,000 | 2,907 |
| Salaries and employee benefits | $1,516,000 | 2,902 |
| Premises and equipment expense | $261,000 | 4,016 |
| Additional noninterest expense | $1,000,000 | 2,429 |
| Pre-tax net operating income | $2,844,000 | 1,640 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,037,000 | 1,336 |
| Income before extraordinary items | $1,807,000 | 1,891 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,807,000 | 1,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,580 |
| Cash dividends | $1,385,000 | 1,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,807,000 | 1,852 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 2,495 |
| Total interest expense | $754,000 | 2,939 |
| Net interest income | $2,342,000 | 2,291 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $575,000 | 1,933 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $423,000 | 976 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $152,000 | 2,953 |
| Total noninterest expense | $1,382,000 | 2,916 |
| Salaries and employee benefits | $758,000 | 2,901 |
| Premises and equipment expense | $126,000 | 4,172 |
| Additional noninterest expense | $498,000 | 2,444 |
| Pre-tax net operating income | $1,475,000 | 1,539 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $536,000 | 1,271 |
| Income before extraordinary items | $939,000 | 1,802 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $939,000 | 1,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,258 |
| Cash dividends | $739,000 | 879 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $939,000 | 1,755 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,260,000 | 2,167 |
| Total interest expense | $2,569,000 | 2,979 |
| Net interest income | $10,691,000 | 1,899 |
| Provision for loan and lease losses | $185,000 | 3,829 |
| Total noninterest income | $2,479,000 | 1,877 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,900,000 | 919 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $579,000 | 3,047 |
| Total noninterest expense | $7,760,000 | 2,057 |
| Salaries and employee benefits | $3,285,000 | 2,619 |
| Premises and equipment expense | $489,000 | 4,158 |
| Additional noninterest expense | $3,986,000 | 1,242 |
| Pre-tax net operating income | $5,225,000 | 1,630 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,876,000 | 1,346 |
| Income before extraordinary items | $3,349,000 | 1,887 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,349,000 | 1,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,610 |
| Cash dividends | $2,955,000 | 986 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,349,000 | 1,841 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,028,000 | 2,118 |
| Total interest expense | $1,869,000 | 3,005 |
| Net interest income | $8,159,000 | 1,844 |
| Provision for loan and lease losses | $155,000 | 3,470 |
| Total noninterest income | $1,862,000 | 1,885 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,386,000 | 955 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $476,000 | 2,888 |
| Total noninterest expense | $4,598,000 | 2,551 |
| Salaries and employee benefits | $2,611,000 | 2,474 |
| Premises and equipment expense | $368,000 | 4,133 |
| Additional noninterest expense | $1,619,000 | 2,234 |
| Pre-tax net operating income | $5,268,000 | 1,247 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,922,000 | 1,046 |
| Income before extraordinary items | $3,346,000 | 1,473 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,346,000 | 1,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,559 |
| Cash dividends | $2,229,000 | 885 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,346,000 | 1,425 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,632,000 | 2,112 |
| Total interest expense | $1,233,000 | 3,013 |
| Net interest income | $5,399,000 | 1,848 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $1,196,000 | 1,929 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $874,000 | 1,007 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $322,000 | 2,871 |
| Total noninterest expense | $3,047,000 | 2,579 |
| Salaries and employee benefits | $1,739,000 | 2,471 |
| Premises and equipment expense | $234,000 | 4,282 |
| Additional noninterest expense | $1,074,000 | 2,248 |
| Pre-tax net operating income | $3,423,000 | 1,249 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,247,000 | 1,080 |
| Income before extraordinary items | $2,176,000 | 1,478 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,176,000 | 1,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $1,502,000 | 879 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,176,000 | 1,425 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,289,000 | 2,122 |
| Total interest expense | $627,000 | 3,015 |
| Net interest income | $2,662,000 | 1,877 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $552,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $403,000 | 1,065 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $149,000 | 2,962 |
| Total noninterest expense | $1,540,000 | 2,572 |
| Salaries and employee benefits | $888,000 | 2,437 |
| Premises and equipment expense | $114,000 | 4,394 |
| Additional noninterest expense | $538,000 | 2,211 |
| Pre-tax net operating income | $1,584,000 | 1,321 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $575,000 | 1,171 |
| Income before extraordinary items | $1,009,000 | 1,585 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,009,000 | 1,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $776,000 | 829 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,009,000 | 1,494 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,282,000 | 2,144 |
| Total interest expense | $3,065,000 | 2,810 |
| Net interest income | $10,217,000 | 1,909 |
| Provision for loan and lease losses | $155,000 | 4,520 |
| Total noninterest income | $2,159,000 | 2,189 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,521,000 | 1,137 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $638,000 | 3,133 |
| Total noninterest expense | $5,816,000 | 2,669 |
| Salaries and employee benefits | $3,392,000 | 2,484 |
| Premises and equipment expense | $476,000 | 4,220 |
| Additional noninterest expense | $1,948,000 | 2,472 |
| Pre-tax net operating income | $6,405,000 | 1,288 |
| Securities gains (losses) | $95,000 | 1,941 |
| Applicable income taxes | $2,317,000 | 1,141 |
| Income before extraordinary items | $4,183,000 | 1,498 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,183,000 | 1,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,692 |
| Cash dividends | $3,103,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,122,200 | 1,455 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,971,000 | 2,172 |
| Total interest expense | $2,394,000 | 2,799 |
| Net interest income | $7,577,000 | 1,940 |
| Provision for loan and lease losses | $85,000 | 5,045 |
| Total noninterest income | $1,528,000 | 2,328 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,106,000 | 1,188 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $422,000 | 3,438 |
| Total noninterest expense | $4,288,000 | 2,720 |
| Salaries and employee benefits | $2,468,000 | 2,557 |
| Premises and equipment expense | $361,000 | 4,179 |
| Additional noninterest expense | $1,459,000 | 2,458 |
| Pre-tax net operating income | $4,732,000 | 1,367 |
| Securities gains (losses) | $60,000 | 2,163 |
| Applicable income taxes | $1,716,000 | 1,199 |
| Income before extraordinary items | $3,076,000 | 1,579 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,076,000 | 1,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,155 |
| Cash dividends | $2,038,000 | 989 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,037,600 | 1,524 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,624,000 | 2,199 |
| Total interest expense | $1,665,000 | 2,758 |
| Net interest income | $4,959,000 | 1,968 |
| Provision for loan and lease losses | $48,000 | 5,200 |
| Total noninterest income | $1,014,000 | 2,338 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $716,000 | 1,203 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $298,000 | 3,307 |
| Total noninterest expense | $2,863,000 | 2,713 |
| Salaries and employee benefits | $1,665,000 | 2,519 |
| Premises and equipment expense | $245,000 | 4,111 |
| Additional noninterest expense | $953,000 | 2,477 |
| Pre-tax net operating income | $3,062,000 | 1,393 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,090,000 | 1,276 |
| Income before extraordinary items | $1,972,000 | 1,643 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,972,000 | 1,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,353 |
| Cash dividends | $971,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,972,000 | 1,531 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,289,000 | 2,236 |
| Total interest expense | $850,000 | 2,770 |
| Net interest income | $2,439,000 | 2,021 |
| Provision for loan and lease losses | $28,000 | 4,838 |
| Total noninterest income | $526,000 | 2,204 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $356,000 | 1,162 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $170,000 | 2,994 |
| Total noninterest expense | $1,445,000 | 2,676 |
| Salaries and employee benefits | $871,000 | 2,424 |
| Premises and equipment expense | $115,000 | 4,305 |
| Additional noninterest expense | $459,000 | 2,524 |
| Pre-tax net operating income | $1,492,000 | 1,434 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $529,000 | 1,303 |
| Income before extraordinary items | $963,000 | 1,666 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $963,000 | 1,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,694 |
| Cash dividends | $510,000 | 1,168 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $963,000 | 1,563 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,444,000 | 2,293 |
| Total interest expense | $3,947,000 | 2,781 |
| Net interest income | $9,497,000 | 2,043 |
| Provision for loan and lease losses | $222,000 | 4,145 |
| Total noninterest income | $1,950,000 | 2,172 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,416,000 | 1,138 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $534,000 | 3,168 |
| Total noninterest expense | $5,501,000 | 2,684 |
| Salaries and employee benefits | $3,215,000 | 2,462 |
| Premises and equipment expense | $456,000 | 4,228 |
| Additional noninterest expense | $1,830,000 | 2,509 |
| Pre-tax net operating income | $5,724,000 | 1,455 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,034,000 | 1,274 |
| Income before extraordinary items | $3,690,000 | 1,621 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,690,000 | 1,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,939 |
| Cash dividends | $2,193,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,690,000 | 1,576 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,054,000 | 2,445 |
| Total interest expense | $5,838,000 | 2,741 |
| Net interest income | $8,216,000 | 2,186 |
| Provision for loan and lease losses | $-45,000 | 9,494 |
| Total noninterest income | $1,788,000 | 2,201 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,272,000 | 1,166 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $516,000 | 3,072 |
| Total noninterest expense | $4,974,000 | 2,834 |
| Salaries and employee benefits | $2,967,000 | 2,533 |
| Premises and equipment expense | $453,000 | 4,216 |
| Additional noninterest expense | $1,554,000 | 2,784 |
| Pre-tax net operating income | $5,075,000 | 1,413 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,817,000 | 1,274 |
| Income before extraordinary items | $3,258,000 | 1,627 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,258,000 | 1,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $2,653,000 | 1,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,258,000 | 1,560 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,326,000 | 2,425 |
| Total interest expense | $6,155,000 | 2,714 |
| Net interest income | $8,171,000 | 2,173 |
| Provision for loan and lease losses | $565,000 | 1,703 |
| Total noninterest income | $1,850,000 | 1,995 |
| Gross Fiduciary activities income | $28,000 | 1,119 |
| Service charges on deposit accounts | $1,182,000 | 1,146 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $640,000 | 2,528 |
| Total noninterest expense | $4,703,000 | 2,881 |
| Salaries and employee benefits | $2,761,000 | 2,572 |
| Premises and equipment expense | $427,000 | 4,292 |
| Additional noninterest expense | $1,515,000 | 2,791 |
| Pre-tax net operating income | $4,753,000 | 1,558 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,710,000 | 1,350 |
| Income before extraordinary items | $3,043,000 | 1,726 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,043,000 | 1,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,511 |
| Cash dividends | $2,203,000 | 1,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,043,000 | 1,719 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,889,000 | 2,541 |
| Total interest expense | $5,080,000 | 2,874 |
| Net interest income | $7,809,000 | 2,256 |
| Provision for loan and lease losses | $104,000 | 5,140 |
| Total noninterest income | $1,758,000 | 2,038 |
| Gross Fiduciary activities income | $56,000 | 1,085 |
| Service charges on deposit accounts | $1,135,000 | 1,173 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $567,000 | 2,722 |
| Total noninterest expense | $4,785,000 | 2,827 |
| Salaries and employee benefits | $2,916,000 | 2,405 |
| Premises and equipment expense | $511,000 | 3,695 |
| Additional noninterest expense | $1,358,000 | 3,110 |
| Pre-tax net operating income | $4,678,000 | 1,607 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,661,000 | 1,447 |
| Income before extraordinary items | $3,017,000 | 1,763 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,017,000 | 1,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,548 |
| Cash dividends | $2,526,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,017,000 | 1,732 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,379,000 | 2,633 |
| Total interest expense | $5,025,000 | 2,989 |
| Net interest income | $7,354,000 | 2,323 |
| Provision for loan and lease losses | $163,000 | 3,988 |
| Total noninterest income | $1,505,000 | 2,263 |
| Gross Fiduciary activities income | $26,000 | 1,199 |
| Service charges on deposit accounts | $974,000 | 1,283 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $505,000 | 2,966 |
| Total noninterest expense | $4,480,000 | 2,901 |
| Salaries and employee benefits | $2,708,000 | 2,493 |
| Premises and equipment expense | $490,000 | 3,763 |
| Additional noninterest expense | $1,282,000 | 3,177 |
| Pre-tax net operating income | $4,216,000 | 1,740 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,503,000 | 1,629 |
| Income before extraordinary items | $2,713,000 | 1,920 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,713,000 | 1,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,967 |
| Cash dividends | $1,679,000 | 1,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,713,000 | 1,847 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,799,000 | 2,779 |
| Total interest expense | $4,959,000 | 3,002 |
| Net interest income | $6,840,000 | 2,537 |
| Provision for loan and lease losses | $219,000 | 3,261 |
| Total noninterest income | $1,466,000 | 2,240 |
| Gross Fiduciary activities income | $42,000 | 1,197 |
| Service charges on deposit accounts | $996,000 | 1,286 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $428,000 | 3,147 |
| Total noninterest expense | $4,502,000 | 2,818 |
| Salaries and employee benefits | $2,670,000 | 2,489 |
| Premises and equipment expense | $516,000 | 3,607 |
| Additional noninterest expense | $1,316,000 | 3,081 |
| Pre-tax net operating income | $3,585,000 | 2,096 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,275,000 | 1,966 |
| Income before extraordinary items | $2,310,000 | 2,276 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,310,000 | 2,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,604 |
| Cash dividends | $1,788,000 | 1,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,310,000 | 2,220 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,908,000 | 3,012 |
| Total interest expense | $4,690,000 | 3,181 |
| Net interest income | $6,218,000 | 2,857 |
| Provision for loan and lease losses | $142,000 | 4,211 |
| Total noninterest income | $1,405,000 | 2,415 |
| Gross Fiduciary activities income | $28,000 | 1,317 |
| Service charges on deposit accounts | $983,000 | 1,367 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $394,000 | 3,435 |
| Total noninterest expense | $4,323,000 | 3,123 |
| Salaries and employee benefits | $2,589,000 | 2,582 |
| Premises and equipment expense | $455,000 | 4,071 |
| Additional noninterest expense | $1,279,000 | 3,585 |
| Pre-tax net operating income | $3,158,000 | 2,262 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $1,105,000 | 2,150 |
| Income before extraordinary items | $2,057,000 | 2,398 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,057,000 | 2,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,244 |
| Cash dividends | $2,597,000 | 1,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,054,400 | 2,353 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,088,000 | 3,260 |
| Total interest expense | $4,427,000 | 3,354 |
| Net interest income | $5,661,000 | 3,148 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $1,464,000 | 2,320 |
| Gross Fiduciary activities income | $20,000 | 1,407 |
| Service charges on deposit accounts | $985,000 | 1,383 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $459,000 | 3,033 |
| Total noninterest expense | $4,303,000 | 3,114 |
| Salaries and employee benefits | $2,442,000 | 2,738 |
| Premises and equipment expense | $459,000 | 4,049 |
| Additional noninterest expense | $1,402,000 | 3,258 |
| Pre-tax net operating income | $2,812,000 | 2,566 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $963,000 | 2,477 |
| Income before extraordinary items | $1,849,000 | 2,681 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,849,000 | 2,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,914 |
| Cash dividends | $1,964,000 | 1,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,849,000 | 2,650 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,744,000 | 3,430 |
| Total interest expense | $3,349,000 | 3,575 |
| Net interest income | $5,395,000 | 3,323 |
| Provision for loan and lease losses | $285,000 | 2,374 |
| Total noninterest income | $1,251,000 | 2,652 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $840,000 | 1,611 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $411,000 | 3,353 |
| Total noninterest expense | $4,033,000 | 3,407 |
| Salaries and employee benefits | $2,406,000 | 2,757 |
| Premises and equipment expense | $437,000 | 4,265 |
| Additional noninterest expense | $1,190,000 | 4,083 |
| Pre-tax net operating income | $2,328,000 | 3,019 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $798,000 | 2,766 |
| Income before extraordinary items | $1,530,000 | 3,121 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,530,000 | 3,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 12,207 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,530,000 | 3,143 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,781,000 | 3,500 |
| Total interest expense | $3,725,000 | 3,379 |
| Net interest income | $5,056,000 | 3,537 |
| Provision for loan and lease losses | $570,000 | 1,929 |
| Total noninterest income | $1,049,000 | 3,227 |
| Gross Fiduciary activities income | $71,000 | 1,273 |
| Service charges on deposit accounts | $731,000 | 1,874 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $247,000 | 5,039 |
| Total noninterest expense | $4,407,000 | 3,184 |
| Salaries and employee benefits | $2,362,000 | 2,796 |
| Premises and equipment expense | $468,000 | 4,101 |
| Additional noninterest expense | $1,577,000 | 3,353 |
| Pre-tax net operating income | $1,128,000 | 5,418 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $282,000 | 6,308 |
| Income before extraordinary items | $846,000 | 5,331 |
| Extraordinary gains, net | $25,000 | 2,588 |
| Net income | $871,000 | 5,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $495,000 | 1,774 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $846,000 | 5,105 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,718,000 | 3,590 |
| Total interest expense | $4,591,000 | 3,577 |
| Net interest income | $5,127,000 | 3,551 |
| Provision for loan and lease losses | $1,175,000 | 1,670 |
| Total noninterest income | $1,027,000 | 3,243 |
| Gross Fiduciary activities income | $44,000 | 1,387 |
| Service charges on deposit accounts | $737,000 | 1,835 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $246,000 | 5,004 |
| Total noninterest expense | $4,044,000 | 3,459 |
| Salaries and employee benefits | $2,209,000 | 2,923 |
| Premises and equipment expense | $470,000 | 4,197 |
| Additional noninterest expense | $1,365,000 | 3,885 |
| Pre-tax net operating income | $935,000 | 5,922 |
| Securities gains (losses) | $12,000 | 6,245 |
| Applicable income taxes | $227,000 | 7,050 |
| Income before extraordinary items | $720,000 | 5,799 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $720,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $932,000 | 1,622 |
| Cash dividends | $464,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $710,880 | 5,521 |
* 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.