Home > The Peoples Bank of Coffee County > Income and Expense
The Peoples Bank of Coffee County, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,472,000 | 2,935 |
| Total interest expense | $3,548,000 | 2,345 |
| Net interest income | $2,924,000 | 3,562 |
| Provision for loan and lease losses | $600,000 | 1,692 |
| Total noninterest income | $523,000 | 3,418 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $425,000 | 1,997 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $98,000 | 5,095 |
| Total noninterest expense | $1,727,000 | 4,697 |
| Salaries and employee benefits | $1,012,000 | 4,479 |
| Premises and equipment expense | $196,000 | 5,207 |
| Additional noninterest expense | $519,000 | 4,621 |
| Pre-tax net operating income | $1,120,000 | 2,723 |
| Securities gains (losses) | $17,000 | 2,146 |
| Applicable income taxes | $297,000 | 2,225 |
| Income before extraordinary items | $840,000 | 2,951 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $840,000 | 2,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,545 |
| Cash dividends | $117,000 | 3,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $827,420 | 2,938 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,289,000 | 2,956 |
| Total interest expense | $1,820,000 | 2,435 |
| Net interest income | $1,469,000 | 3,531 |
| Provision for loan and lease losses | $300,000 | 1,372 |
| Total noninterest income | $242,000 | 3,593 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $204,000 | 2,047 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $38,000 | 5,536 |
| Total noninterest expense | $886,000 | 4,622 |
| Salaries and employee benefits | $526,000 | 4,374 |
| Premises and equipment expense | $101,000 | 5,131 |
| Additional noninterest expense | $259,000 | 4,575 |
| Pre-tax net operating income | $525,000 | 2,974 |
| Securities gains (losses) | $14,000 | 1,798 |
| Applicable income taxes | $144,000 | 2,370 |
| Income before extraordinary items | $395,000 | 3,219 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $395,000 | 3,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,490 |
| Cash dividends | $117,000 | 2,793 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $384,780 | 3,191 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,141,000 | 3,037 |
| Total interest expense | $7,326,000 | 2,509 |
| Net interest income | $5,815,000 | 3,587 |
| Provision for loan and lease losses | $1,210,000 | 1,241 |
| Total noninterest income | $912,000 | 3,723 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $743,000 | 2,257 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $169,000 | 5,372 |
| Total noninterest expense | $3,485,000 | 4,535 |
| Salaries and employee benefits | $2,085,000 | 4,266 |
| Premises and equipment expense | $403,000 | 5,006 |
| Additional noninterest expense | $997,000 | 4,676 |
| Pre-tax net operating income | $2,032,000 | 3,281 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $572,000 | 2,577 |
| Income before extraordinary items | $1,462,000 | 3,507 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,462,000 | 3,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,515,000 | 747 |
| Cash dividends | $748,000 | 3,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,460,560 | 3,497 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,748,000 | 3,054 |
| Total interest expense | $5,444,000 | 2,531 |
| Net interest income | $4,304,000 | 3,637 |
| Provision for loan and lease losses | $910,000 | 969 |
| Total noninterest income | $683,000 | 3,734 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $534,000 | 2,321 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $149,000 | 5,104 |
| Total noninterest expense | $2,605,000 | 4,515 |
| Salaries and employee benefits | $1,507,000 | 4,360 |
| Premises and equipment expense | $295,000 | 5,067 |
| Additional noninterest expense | $803,000 | 4,353 |
| Pre-tax net operating income | $1,472,000 | 3,524 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $376,000 | 2,887 |
| Income before extraordinary items | $1,097,000 | 3,670 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,097,000 | 3,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,449,000 | 504 |
| Cash dividends | $487,000 | 2,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,096,260 | 3,653 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,247,000 | 3,178 |
| Total interest expense | $3,495,000 | 2,622 |
| Net interest income | $2,752,000 | 3,768 |
| Provision for loan and lease losses | $610,000 | 859 |
| Total noninterest income | $436,000 | 3,842 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $336,000 | 2,428 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $100,000 | 5,125 |
| Total noninterest expense | $1,762,000 | 4,501 |
| Salaries and employee benefits | $1,006,000 | 4,393 |
| Premises and equipment expense | $180,000 | 5,339 |
| Additional noninterest expense | $576,000 | 4,138 |
| Pre-tax net operating income | $816,000 | 3,976 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $198,000 | 3,290 |
| Income before extraordinary items | $619,000 | 4,095 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $619,000 | 4,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $623,000 | 621 |
| Cash dividends | $487,000 | 2,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $618,240 | 4,091 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,828,000 | 3,450 |
| Total interest expense | $1,650,000 | 2,744 |
| Net interest income | $1,178,000 | 4,216 |
| Provision for loan and lease losses | $310,000 | 771 |
| Total noninterest income | $211,000 | 3,895 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $174,000 | 2,309 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $37,000 | 5,638 |
| Total noninterest expense | $836,000 | 4,664 |
| Salaries and employee benefits | $500,000 | 4,438 |
| Premises and equipment expense | $72,000 | 5,967 |
| Additional noninterest expense | $264,000 | 4,362 |
| Pre-tax net operating income | $243,000 | 5,109 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $30,000 | 4,619 |
| Income before extraordinary items | $214,000 | 4,904 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $214,000 | 4,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $631,000 | 350 |
| Cash dividends | $191,000 | 2,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $213,120 | 4,894 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,860,000 | 3,913 |
| Total interest expense | $4,271,000 | 3,427 |
| Net interest income | $4,589,000 | 4,291 |
| Provision for loan and lease losses | $680,000 | 1,445 |
| Total noninterest income | $789,000 | 4,087 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $628,000 | 2,595 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $161,000 | 5,493 |
| Total noninterest expense | $3,159,000 | 4,717 |
| Salaries and employee benefits | $1,846,000 | 4,532 |
| Premises and equipment expense | $367,000 | 5,185 |
| Additional noninterest expense | $946,000 | 4,693 |
| Pre-tax net operating income | $1,539,000 | 4,232 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $373,000 | 3,523 |
| Income before extraordinary items | $1,167,000 | 4,337 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,167,000 | 4,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,895 |
| Cash dividends | $777,000 | 3,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,166,240 | 4,317 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,287,000 | 4,042 |
| Total interest expense | $2,889,000 | 3,602 |
| Net interest income | $3,398,000 | 4,352 |
| Provision for loan and lease losses | $440,000 | 1,570 |
| Total noninterest income | $560,000 | 4,227 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $451,000 | 2,680 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $109,000 | 5,686 |
| Total noninterest expense | $2,240,000 | 4,882 |
| Salaries and employee benefits | $1,330,000 | 4,634 |
| Premises and equipment expense | $285,000 | 5,112 |
| Additional noninterest expense | $625,000 | 5,085 |
| Pre-tax net operating income | $1,278,000 | 4,147 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $362,000 | 3,319 |
| Income before extraordinary items | $916,000 | 4,369 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $916,000 | 4,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,997 |
| Cash dividends | $582,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $916,000 | 4,362 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,959,000 | 4,164 |
| Total interest expense | $1,747,000 | 3,723 |
| Net interest income | $2,212,000 | 4,423 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $351,000 | 4,343 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $278,000 | 2,829 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $73,000 | 5,716 |
| Total noninterest expense | $1,490,000 | 4,896 |
| Salaries and employee benefits | $883,000 | 4,671 |
| Premises and equipment expense | $211,000 | 4,767 |
| Additional noninterest expense | $396,000 | 5,239 |
| Pre-tax net operating income | $833,000 | 4,232 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $229,000 | 3,438 |
| Income before extraordinary items | $604,000 | 4,427 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $604,000 | 4,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,722 |
| Cash dividends | $388,000 | 2,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $604,000 | 4,423 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,927,000 | 4,185 |
| Total interest expense | $787,000 | 3,856 |
| Net interest income | $1,140,000 | 4,316 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $153,000 | 4,624 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $124,000 | 3,011 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $29,000 | 6,131 |
| Total noninterest expense | $733,000 | 4,976 |
| Salaries and employee benefits | $443,000 | 4,693 |
| Premises and equipment expense | $118,000 | 4,464 |
| Additional noninterest expense | $172,000 | 5,648 |
| Pre-tax net operating income | $440,000 | 4,050 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $114,000 | 3,410 |
| Income before extraordinary items | $326,000 | 4,207 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $326,000 | 4,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $194,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $326,000 | 4,189 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,438,000 | 4,412 |
| Total interest expense | $2,611,000 | 3,702 |
| Net interest income | $3,827,000 | 4,756 |
| Provision for loan and lease losses | $480,000 | 1,951 |
| Total noninterest income | $524,000 | 5,133 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $497,000 | 3,068 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $27,000 | 7,945 |
| Total noninterest expense | $2,587,000 | 5,257 |
| Salaries and employee benefits | $1,599,000 | 4,841 |
| Premises and equipment expense | $305,000 | 5,694 |
| Additional noninterest expense | $683,000 | 5,661 |
| Pre-tax net operating income | $1,284,000 | 4,754 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $304,000 | 4,110 |
| Income before extraordinary items | $982,000 | 4,874 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $982,000 | 4,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,487 |
| Cash dividends | $759,000 | 2,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $980,480 | 4,850 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,644,000 | 4,492 |
| Total interest expense | $1,868,000 | 3,693 |
| Net interest income | $2,776,000 | 4,868 |
| Provision for loan and lease losses | $360,000 | 1,866 |
| Total noninterest income | $371,000 | 5,282 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $372,000 | 3,064 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-1,000 | 8,819 |
| Total noninterest expense | $1,863,000 | 5,372 |
| Salaries and employee benefits | $1,156,000 | 4,935 |
| Premises and equipment expense | $194,000 | 6,115 |
| Additional noninterest expense | $513,000 | 5,627 |
| Pre-tax net operating income | $924,000 | 4,973 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $263,000 | 4,010 |
| Income before extraordinary items | $663,000 | 5,216 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $663,000 | 5,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 2,142 |
| Cash dividends | $567,000 | 2,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $661,560 | 5,186 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,999,000 | 4,506 |
| Total interest expense | $1,202,000 | 3,612 |
| Net interest income | $1,797,000 | 4,946 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $203,000 | 5,699 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $239,000 | 3,102 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $-36,000 | 8,864 |
| Total noninterest expense | $1,231,000 | 5,384 |
| Salaries and employee benefits | $761,000 | 4,968 |
| Premises and equipment expense | $129,000 | 6,119 |
| Additional noninterest expense | $341,000 | 5,616 |
| Pre-tax net operating income | $529,000 | 5,335 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $128,000 | 4,478 |
| Income before extraordinary items | $401,000 | 5,430 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $401,000 | 5,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 1,844 |
| Cash dividends | $375,000 | 2,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $401,000 | 5,400 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,449,000 | 4,592 |
| Total interest expense | $576,000 | 3,621 |
| Net interest income | $873,000 | 5,050 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $232,000 | 3,637 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $119,000 | 3,049 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,504 |
| Total noninterest expense | $753,000 | 4,733 |
| Salaries and employee benefits | $374,000 | 5,057 |
| Premises and equipment expense | $58,000 | 6,415 |
| Additional noninterest expense | $321,000 | 3,599 |
| Pre-tax net operating income | $232,000 | 5,622 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $48,000 | 4,803 |
| Income before extraordinary items | $184,000 | 5,630 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $184,000 | 5,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 1,757 |
| Cash dividends | $187,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $184,000 | 5,585 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,682,000 | 4,431 |
| Total interest expense | $2,171,000 | 3,412 |
| Net interest income | $3,511,000 | 4,889 |
| Provision for loan and lease losses | $714,000 | 1,439 |
| Total noninterest income | $614,000 | 4,757 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $503,000 | 3,135 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $111,000 | 6,236 |
| Total noninterest expense | $2,272,000 | 5,590 |
| Salaries and employee benefits | $1,453,000 | 5,060 |
| Premises and equipment expense | $230,000 | 6,406 |
| Additional noninterest expense | $589,000 | 6,041 |
| Pre-tax net operating income | $1,139,000 | 4,916 |
| Securities gains (losses) | $144,000 | 1,005 |
| Applicable income taxes | $355,000 | 3,913 |
| Income before extraordinary items | $928,000 | 4,890 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $928,000 | 4,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 2,094 |
| Cash dividends | $928,000 | 2,465 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $824,320 | 5,123 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,222,000 | 4,443 |
| Total interest expense | $1,605,000 | 3,409 |
| Net interest income | $2,617,000 | 4,900 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $458,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $371,000 | 3,188 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $87,000 | 6,182 |
| Total noninterest expense | $1,687,000 | 5,608 |
| Salaries and employee benefits | $1,082,000 | 5,029 |
| Premises and equipment expense | $179,000 | 6,296 |
| Additional noninterest expense | $426,000 | 6,124 |
| Pre-tax net operating income | $1,028,000 | 4,539 |
| Securities gains (losses) | $143,000 | 963 |
| Applicable income taxes | $352,000 | 3,508 |
| Income before extraordinary items | $819,000 | 4,565 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $819,000 | 4,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,018 |
| Cash dividends | $744,000 | 2,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $718,900 | 4,799 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,840,000 | 4,417 |
| Total interest expense | $1,040,000 | 3,486 |
| Net interest income | $1,800,000 | 4,808 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $290,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $234,000 | 3,289 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $56,000 | 6,240 |
| Total noninterest expense | $1,135,000 | 5,615 |
| Salaries and employee benefits | $719,000 | 5,067 |
| Premises and equipment expense | $125,000 | 6,210 |
| Additional noninterest expense | $291,000 | 6,062 |
| Pre-tax net operating income | $715,000 | 4,407 |
| Securities gains (losses) | $143,000 | 813 |
| Applicable income taxes | $268,000 | 3,276 |
| Income before extraordinary items | $590,000 | 4,301 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $590,000 | 4,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,487 |
| Cash dividends | $497,000 | 2,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $491,330 | 4,690 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,411,000 | 4,463 |
| Total interest expense | $505,000 | 3,611 |
| Net interest income | $906,000 | 4,802 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $140,000 | 4,952 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $110,000 | 3,351 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $30,000 | 6,109 |
| Total noninterest expense | $561,000 | 5,665 |
| Salaries and employee benefits | $356,000 | 5,131 |
| Premises and equipment expense | $65,000 | 6,100 |
| Additional noninterest expense | $140,000 | 6,209 |
| Pre-tax net operating income | $365,000 | 4,316 |
| Securities gains (losses) | $143,000 | 638 |
| Applicable income taxes | $158,000 | 2,998 |
| Income before extraordinary items | $350,000 | 3,851 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $350,000 | 3,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $251,330 | 4,618 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,726,000 | 4,435 |
| Total interest expense | $2,227,000 | 3,667 |
| Net interest income | $3,499,000 | 4,798 |
| Provision for loan and lease losses | $510,000 | 2,129 |
| Total noninterest income | $536,000 | 5,242 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $482,000 | 3,184 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $54,000 | 7,452 |
| Total noninterest expense | $2,230,000 | 5,629 |
| Salaries and employee benefits | $1,358,000 | 5,191 |
| Premises and equipment expense | $248,000 | 6,199 |
| Additional noninterest expense | $624,000 | 5,850 |
| Pre-tax net operating income | $1,295,000 | 4,491 |
| Securities gains (losses) | $-1,000 | 8,546 |
| Applicable income taxes | $347,000 | 4,052 |
| Income before extraordinary items | $947,000 | 4,799 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $947,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,843 |
| Cash dividends | $367,000 | 4,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $947,730 | 4,631 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,228,000 | 4,543 |
| Total interest expense | $1,708,000 | 3,719 |
| Net interest income | $2,520,000 | 4,942 |
| Provision for loan and lease losses | $360,000 | 2,185 |
| Total noninterest income | $453,000 | 4,999 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $355,000 | 3,242 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $98,000 | 6,119 |
| Total noninterest expense | $1,671,000 | 5,604 |
| Salaries and employee benefits | $1,010,000 | 5,213 |
| Premises and equipment expense | $187,000 | 6,172 |
| Additional noninterest expense | $474,000 | 5,808 |
| Pre-tax net operating income | $942,000 | 4,715 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $245,000 | 4,318 |
| Income before extraordinary items | $697,000 | 5,008 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $697,000 | 5,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,393 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $697,000 | 4,814 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,812,000 | 4,592 |
| Total interest expense | $1,160,000 | 3,778 |
| Net interest income | $1,652,000 | 4,989 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $307,000 | 4,932 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $238,000 | 3,185 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $69,000 | 6,016 |
| Total noninterest expense | $1,134,000 | 5,536 |
| Salaries and employee benefits | $681,000 | 5,183 |
| Premises and equipment expense | $126,000 | 6,139 |
| Additional noninterest expense | $327,000 | 5,693 |
| Pre-tax net operating income | $585,000 | 4,899 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $148,000 | 4,513 |
| Income before extraordinary items | $437,000 | 5,171 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $437,000 | 5,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 1,708 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $437,000 | 4,963 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 4,611 |
| Total interest expense | $587,000 | 3,819 |
| Net interest income | $818,000 | 5,009 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $157,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $126,000 | 2,979 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $561,000 | 5,563 |
| Salaries and employee benefits | $344,000 | 5,152 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $156,000 | 5,791 |
| Pre-tax net operating income | $294,000 | 4,837 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $77,000 | 4,426 |
| Income before extraordinary items | $217,000 | 5,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $217,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $217,000 | 4,908 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,843,000 | 4,646 |
| Total interest expense | $2,743,000 | 3,810 |
| Net interest income | $3,100,000 | 5,181 |
| Provision for loan and lease losses | $1,380,000 | 1,013 |
| Total noninterest income | $582,000 | 4,810 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $461,000 | 3,174 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $121,000 | 6,044 |
| Total noninterest expense | $2,249,000 | 5,466 |
| Salaries and employee benefits | $1,338,000 | 5,100 |
| Premises and equipment expense | $245,000 | 6,211 |
| Additional noninterest expense | $666,000 | 5,570 |
| Pre-tax net operating income | $53,000 | 8,464 |
| Securities gains (losses) | $14,000 | 3,404 |
| Applicable income taxes | $-22,000 | 8,921 |
| Income before extraordinary items | $89,000 | 8,383 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $89,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,178,000 | 826 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $75,000 | 8,350 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,300,000 | 4,795 |
| Total interest expense | $3,378,000 | 4,323 |
| Net interest income | $2,922,000 | 5,164 |
| Provision for loan and lease losses | $1,366,000 | 978 |
| Total noninterest income | $577,000 | 4,681 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $433,000 | 3,189 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $144,000 | 5,619 |
| Total noninterest expense | $2,087,000 | 5,590 |
| Salaries and employee benefits | $1,274,000 | 5,105 |
| Premises and equipment expense | $224,000 | 6,440 |
| Additional noninterest expense | $589,000 | 5,905 |
| Pre-tax net operating income | $46,000 | 8,556 |
| Securities gains (losses) | $72,000 | 2,029 |
| Applicable income taxes | $12,000 | 7,523 |
| Income before extraordinary items | $106,000 | 8,293 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $106,000 | 8,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,230,000 | 806 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $41,200 | 8,554 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,815,000 | 5,193 |
| Total interest expense | $2,930,000 | 5,019 |
| Net interest income | $2,885,000 | 5,298 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $583,000 | 4,481 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $474,000 | 2,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,226 |
| Total noninterest expense | $1,823,000 | 6,016 |
| Salaries and employee benefits | $1,042,000 | 5,759 |
| Premises and equipment expense | $213,000 | 6,566 |
| Additional noninterest expense | $568,000 | 5,972 |
| Pre-tax net operating income | $1,395,000 | 4,279 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $468,000 | 3,630 |
| Income before extraordinary items | $927,000 | 4,598 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $927,000 | 4,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,664 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $927,000 | 4,595 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,223,000 | 5,418 |
| Total interest expense | $2,417,000 | 5,310 |
| Net interest income | $2,806,000 | 5,422 |
| Provision for loan and lease losses | $226,000 | 3,295 |
| Total noninterest income | $454,000 | 5,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $403,000 | 3,199 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,031 |
| Total noninterest expense | $1,685,000 | 6,334 |
| Salaries and employee benefits | $919,000 | 6,223 |
| Premises and equipment expense | $206,000 | 6,718 |
| Additional noninterest expense | $560,000 | 6,083 |
| Pre-tax net operating income | $1,349,000 | 4,409 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $427,000 | 3,990 |
| Income before extraordinary items | $922,000 | 4,677 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $922,000 | 4,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,214 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $922,000 | 4,637 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,027,000 | 5,659 |
| Total interest expense | $2,393,000 | 5,530 |
| Net interest income | $2,634,000 | 5,645 |
| Provision for loan and lease losses | $190,000 | 3,612 |
| Total noninterest income | $577,000 | 4,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $407,000 | 3,087 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,365 |
| Total noninterest expense | $1,654,000 | 6,313 |
| Salaries and employee benefits | $918,000 | 6,127 |
| Premises and equipment expense | $231,000 | 6,246 |
| Additional noninterest expense | $505,000 | 6,396 |
| Pre-tax net operating income | $1,367,000 | 4,461 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $342,000 | 4,825 |
| Income before extraordinary items | $1,028,000 | 4,413 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,028,000 | 4,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,198 |
| Cash dividends | $36,000 | 7,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,025,750 | 4,327 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 10,781 |
| Total interest expense | $151,000 | 10,728 |
| Net interest income | $187,000 | 10,789 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $35,000 | 10,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,761 |
| Total noninterest expense | $119,000 | 10,879 |
| Salaries and employee benefits | $65,000 | 10,864 |
| Premises and equipment expense | $20,000 | 10,765 |
| Additional noninterest expense | $34,000 | 10,877 |
| Pre-tax net operating income | $103,000 | 10,054 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $38,000 | 9,437 |
| Income before extraordinary items | $65,000 | 10,160 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $65,000 | 10,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $65,000 | 10,128 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,241,000 | 6,637 |
| Total interest expense | $1,904,000 | 6,616 |
| Net interest income | $2,337,000 | 6,503 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $431,000 | 5,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $356,000 | 3,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,907 |
| Total noninterest expense | $1,427,000 | 7,317 |
| Salaries and employee benefits | $901,000 | 6,460 |
| Premises and equipment expense | $225,000 | 6,609 |
| Additional noninterest expense | $301,000 | 8,872 |
| Pre-tax net operating income | $1,191,000 | 5,147 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $414,000 | 4,795 |
| Income before extraordinary items | $782,000 | 5,388 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $782,000 | 5,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $279,000 | 4,729 |
| Sale, conversion, retirement of capital stock, net | $152,000 | 609 |
| Net operating income | $778,750 | 5,347 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,330,000 | 7,767 |
| Total interest expense | $1,431,000 | 7,889 |
| Net interest income | $1,899,000 | 7,536 |
| Provision for loan and lease losses | $119,000 | 4,253 |
| Total noninterest income | $343,000 | 6,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,981 |
| Total noninterest expense | $1,189,000 | 8,243 |
| Salaries and employee benefits | $735,000 | 7,496 |
| Premises and equipment expense | $186,000 | 7,481 |
| Additional noninterest expense | $268,000 | 9,622 |
| Pre-tax net operating income | $934,000 | 6,270 |
| Securities gains (losses) | $45,000 | 1,385 |
| Applicable income taxes | $342,000 | 5,536 |
| Income before extraordinary items | $637,000 | 6,394 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $637,000 | 6,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,241 |
| Cash dividends | $459,000 | 3,540 |
| Sale, conversion, retirement of capital stock, net | $4,054,000 | 122 |
| Net operating income | $607,750 | 6,556 |
* 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.