Home > The Peoples Bank & Trust Company > Income and Expense
The Peoples Bank & Trust Company, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $45,448,000 | 687 |
| Total interest expense | $21,959,000 | 671 |
| Net interest income | $23,489,000 | 705 |
| Provision for loan and lease losses | $1,588,000 | 626 |
| Total noninterest income | $7,556,000 | 609 |
| Gross Fiduciary activities income | $750,000 | 415 |
| Service charges on deposit accounts | $4,307,000 | 311 |
| Trading account gains and fees | $172,000 | 107 |
| Additional Noninterest Income | $2,327,000 | 992 |
| Total noninterest expense | $20,281,000 | 687 |
| Salaries and employee benefits | $11,153,000 | 646 |
| Premises and equipment expense | $4,170,000 | 479 |
| Additional noninterest expense | $4,958,000 | 833 |
| Pre-tax net operating income | $9,176,000 | 751 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,851,000 | 718 |
| Income before extraordinary items | $6,325,000 | 824 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,325,000 | 822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,006,000 | 655 |
| Cash dividends | $3,475,000 | 777 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $6,325,000 | 809 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $29,609,000 | 717 |
| Total interest expense | $14,245,000 | 699 |
| Net interest income | $15,364,000 | 734 |
| Provision for loan and lease losses | $761,000 | 732 |
| Total noninterest income | $3,691,000 | 825 |
| Gross Fiduciary activities income | $510,000 | 419 |
| Service charges on deposit accounts | $2,864,000 | 319 |
| Trading account gains and fees | $-1,510,000 | 8,604 |
| Additional Noninterest Income | $1,827,000 | 916 |
| Total noninterest expense | $13,639,000 | 690 |
| Salaries and employee benefits | $7,587,000 | 653 |
| Premises and equipment expense | $2,752,000 | 496 |
| Additional noninterest expense | $3,300,000 | 848 |
| Pre-tax net operating income | $4,655,000 | 1,028 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $997,000 | 1,272 |
| Income before extraordinary items | $3,658,000 | 984 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,658,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $2,175,000 | 817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,658,000 | 963 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $14,427,000 | 725 |
| Total interest expense | $7,009,000 | 698 |
| Net interest income | $7,418,000 | 754 |
| Provision for loan and lease losses | $244,000 | 989 |
| Total noninterest income | $3,133,000 | 528 |
| Gross Fiduciary activities income | $234,000 | 443 |
| Service charges on deposit accounts | $1,418,000 | 311 |
| Trading account gains and fees | $602,000 | 71 |
| Additional Noninterest Income | $879,000 | 933 |
| Total noninterest expense | $6,857,000 | 687 |
| Salaries and employee benefits | $3,870,000 | 646 |
| Premises and equipment expense | $1,341,000 | 506 |
| Additional noninterest expense | $1,646,000 | 834 |
| Pre-tax net operating income | $3,450,000 | 713 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $952,000 | 767 |
| Income before extraordinary items | $2,498,000 | 723 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,498,000 | 722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,295 |
| Cash dividends | $800,000 | 962 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,498,000 | 713 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $53,047,000 | 723 |
| Total interest expense | $23,976,000 | 710 |
| Net interest income | $29,071,000 | 757 |
| Provision for loan and lease losses | $45,000 | 5,711 |
| Total noninterest income | $9,595,000 | 632 |
| Gross Fiduciary activities income | $934,000 | 422 |
| Service charges on deposit accounts | $5,700,000 | 313 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,961,000 | 1,008 |
| Total noninterest expense | $25,850,000 | 693 |
| Salaries and employee benefits | $14,028,000 | 665 |
| Premises and equipment expense | $5,172,000 | 496 |
| Additional noninterest expense | $6,650,000 | 811 |
| Pre-tax net operating income | $12,771,000 | 786 |
| Securities gains (losses) | $-18,000 | 7,507 |
| Applicable income taxes | $3,786,000 | 794 |
| Income before extraordinary items | $8,967,000 | 829 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,967,000 | 828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 1,665 |
| Cash dividends | $3,350,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $8,979,600 | 818 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $38,740,000 | 745 |
| Total interest expense | $17,146,000 | 727 |
| Net interest income | $21,594,000 | 788 |
| Provision for loan and lease losses | $-465,000 | 8,665 |
| Total noninterest income | $7,004,000 | 664 |
| Gross Fiduciary activities income | $745,000 | 399 |
| Service charges on deposit accounts | $4,287,000 | 316 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,972,000 | 1,109 |
| Total noninterest expense | $18,512,000 | 731 |
| Salaries and employee benefits | $10,170,000 | 695 |
| Premises and equipment expense | $3,749,000 | 517 |
| Additional noninterest expense | $4,593,000 | 875 |
| Pre-tax net operating income | $10,551,000 | 760 |
| Securities gains (losses) | $-18,000 | 7,797 |
| Applicable income taxes | $3,109,000 | 771 |
| Income before extraordinary items | $7,424,000 | 790 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,424,000 | 789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,666 |
| Cash dividends | $2,500,000 | 955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $7,436,600 | 779 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $24,638,000 | 761 |
| Total interest expense | $10,529,000 | 751 |
| Net interest income | $14,109,000 | 806 |
| Provision for loan and lease losses | $-892,000 | 8,735 |
| Total noninterest income | $4,598,000 | 667 |
| Gross Fiduciary activities income | $531,000 | 385 |
| Service charges on deposit accounts | $2,830,000 | 313 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,237,000 | 1,166 |
| Total noninterest expense | $11,870,000 | 756 |
| Salaries and employee benefits | $6,488,000 | 742 |
| Premises and equipment expense | $2,380,000 | 541 |
| Additional noninterest expense | $3,002,000 | 885 |
| Pre-tax net operating income | $7,729,000 | 697 |
| Securities gains (losses) | $-18,000 | 8,036 |
| Applicable income taxes | $2,353,000 | 699 |
| Income before extraordinary items | $5,358,000 | 732 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,358,000 | 732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,142 |
| Cash dividends | $1,600,000 | 986 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,370,420 | 719 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,653,000 | 784 |
| Total interest expense | $4,814,000 | 763 |
| Net interest income | $6,839,000 | 824 |
| Provision for loan and lease losses | $-541,000 | 8,748 |
| Total noninterest income | $2,401,000 | 629 |
| Gross Fiduciary activities income | $319,000 | 351 |
| Service charges on deposit accounts | $1,386,000 | 313 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $696,000 | 1,047 |
| Total noninterest expense | $5,827,000 | 770 |
| Salaries and employee benefits | $3,210,000 | 746 |
| Premises and equipment expense | $1,136,000 | 567 |
| Additional noninterest expense | $1,481,000 | 897 |
| Pre-tax net operating income | $3,954,000 | 671 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $1,213,000 | 685 |
| Income before extraordinary items | $2,742,000 | 702 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,742,000 | 701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 8,637 |
| Cash dividends | $800,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,741,310 | 689 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $41,887,000 | 766 |
| Total interest expense | $15,408,000 | 739 |
| Net interest income | $26,479,000 | 796 |
| Provision for loan and lease losses | $-675,000 | 8,759 |
| Total noninterest income | $8,999,000 | 671 |
| Gross Fiduciary activities income | $900,000 | 419 |
| Service charges on deposit accounts | $5,337,000 | 321 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,762,000 | 1,077 |
| Total noninterest expense | $26,032,000 | 665 |
| Salaries and employee benefits | $13,915,000 | 650 |
| Premises and equipment expense | $5,138,000 | 481 |
| Additional noninterest expense | $6,979,000 | 754 |
| Pre-tax net operating income | $10,121,000 | 966 |
| Securities gains (losses) | $14,000 | 1,379 |
| Applicable income taxes | $2,599,000 | 1,091 |
| Income before extraordinary items | $7,536,000 | 956 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,536,000 | 956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,715,000 | 452 |
| Cash dividends | $3,290,000 | 953 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,525,640 | 939 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $30,678,000 | 766 |
| Total interest expense | $10,872,000 | 734 |
| Net interest income | $19,806,000 | 793 |
| Provision for loan and lease losses | $-482,000 | 8,781 |
| Total noninterest income | $6,695,000 | 677 |
| Gross Fiduciary activities income | $673,000 | 412 |
| Service charges on deposit accounts | $3,863,000 | 325 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,159,000 | 1,060 |
| Total noninterest expense | $19,191,000 | 668 |
| Salaries and employee benefits | $10,117,000 | 663 |
| Premises and equipment expense | $3,866,000 | 470 |
| Additional noninterest expense | $5,208,000 | 752 |
| Pre-tax net operating income | $7,792,000 | 945 |
| Securities gains (losses) | $14,000 | 1,366 |
| Applicable income taxes | $1,778,000 | 1,193 |
| Income before extraordinary items | $6,028,000 | 892 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,028,000 | 893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,420,000 | 392 |
| Cash dividends | $2,490,000 | 885 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,017,220 | 880 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,880,000 | 769 |
| Total interest expense | $6,840,000 | 736 |
| Net interest income | $13,040,000 | 800 |
| Provision for loan and lease losses | $-456,000 | 8,799 |
| Total noninterest income | $4,357,000 | 685 |
| Gross Fiduciary activities income | $446,000 | 414 |
| Service charges on deposit accounts | $2,402,000 | 342 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,509,000 | 1,008 |
| Total noninterest expense | $12,868,000 | 663 |
| Salaries and employee benefits | $6,634,000 | 667 |
| Premises and equipment expense | $2,580,000 | 472 |
| Additional noninterest expense | $3,654,000 | 718 |
| Pre-tax net operating income | $4,985,000 | 957 |
| Securities gains (losses) | $14,000 | 1,233 |
| Applicable income taxes | $1,177,000 | 1,195 |
| Income before extraordinary items | $3,822,000 | 914 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,822,000 | 914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,304,000 | 302 |
| Cash dividends | $1,590,000 | 891 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,811,360 | 896 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,708,000 | 770 |
| Total interest expense | $3,258,000 | 735 |
| Net interest income | $6,450,000 | 804 |
| Provision for loan and lease losses | $-313,000 | 8,872 |
| Total noninterest income | $2,049,000 | 697 |
| Gross Fiduciary activities income | $222,000 | 415 |
| Service charges on deposit accounts | $1,011,000 | 396 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $816,000 | 938 |
| Total noninterest expense | $6,389,000 | 659 |
| Salaries and employee benefits | $3,295,000 | 667 |
| Premises and equipment expense | $1,262,000 | 474 |
| Additional noninterest expense | $1,832,000 | 699 |
| Pre-tax net operating income | $2,423,000 | 968 |
| Securities gains (losses) | $14,000 | 908 |
| Applicable income taxes | $565,000 | 1,210 |
| Income before extraordinary items | $1,872,000 | 927 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,872,000 | 927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 419 |
| Cash dividends | $650,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,861,220 | 910 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $36,859,000 | 757 |
| Total interest expense | $11,365,000 | 736 |
| Net interest income | $25,494,000 | 768 |
| Provision for loan and lease losses | $-149,000 | 8,820 |
| Total noninterest income | $8,181,000 | 708 |
| Gross Fiduciary activities income | $891,000 | 400 |
| Service charges on deposit accounts | $4,749,000 | 363 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,541,000 | 1,116 |
| Total noninterest expense | $24,878,000 | 662 |
| Salaries and employee benefits | $12,523,000 | 679 |
| Premises and equipment expense | $4,850,000 | 483 |
| Additional noninterest expense | $7,505,000 | 697 |
| Pre-tax net operating income | $8,946,000 | 976 |
| Securities gains (losses) | $725,000 | 353 |
| Applicable income taxes | $1,971,000 | 1,291 |
| Income before extraordinary items | $7,700,000 | 849 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,700,000 | 850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,802,000 | 362 |
| Cash dividends | $4,200,000 | 721 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $7,120,000 | 882 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $27,374,000 | 757 |
| Total interest expense | $8,317,000 | 733 |
| Net interest income | $19,057,000 | 765 |
| Provision for loan and lease losses | $-149,000 | 8,903 |
| Total noninterest income | $6,399,000 | 693 |
| Gross Fiduciary activities income | $797,000 | 372 |
| Service charges on deposit accounts | $3,640,000 | 361 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,962,000 | 1,104 |
| Total noninterest expense | $18,946,000 | 647 |
| Salaries and employee benefits | $9,242,000 | 689 |
| Premises and equipment expense | $3,619,000 | 490 |
| Additional noninterest expense | $6,085,000 | 643 |
| Pre-tax net operating income | $6,659,000 | 990 |
| Securities gains (losses) | $699,000 | 339 |
| Applicable income taxes | $1,427,000 | 1,340 |
| Income before extraordinary items | $5,931,000 | 845 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,931,000 | 846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,450,000 | 301 |
| Cash dividends | $3,600,000 | 598 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,364,810 | 889 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $18,257,000 | 751 |
| Total interest expense | $5,416,000 | 734 |
| Net interest income | $12,841,000 | 745 |
| Provision for loan and lease losses | $-149,000 | 8,977 |
| Total noninterest income | $4,371,000 | 686 |
| Gross Fiduciary activities income | $485,000 | 389 |
| Service charges on deposit accounts | $2,395,000 | 359 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,491,000 | 996 |
| Total noninterest expense | $12,929,000 | 639 |
| Salaries and employee benefits | $6,072,000 | 698 |
| Premises and equipment expense | $2,379,000 | 496 |
| Additional noninterest expense | $4,478,000 | 593 |
| Pre-tax net operating income | $4,432,000 | 986 |
| Securities gains (losses) | $489,000 | 362 |
| Applicable income taxes | $1,155,000 | 1,146 |
| Income before extraordinary items | $3,766,000 | 871 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,766,000 | 871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,163,000 | 378 |
| Cash dividends | $2,400,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,389,470 | 929 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $9,240,000 | 756 |
| Total interest expense | $2,769,000 | 731 |
| Net interest income | $6,471,000 | 750 |
| Provision for loan and lease losses | $426,000 | 600 |
| Total noninterest income | $2,120,000 | 689 |
| Gross Fiduciary activities income | $220,000 | 408 |
| Service charges on deposit accounts | $1,199,000 | 354 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $701,000 | 1,016 |
| Total noninterest expense | $5,881,000 | 689 |
| Salaries and employee benefits | $2,972,000 | 725 |
| Premises and equipment expense | $1,161,000 | 517 |
| Additional noninterest expense | $1,748,000 | 719 |
| Pre-tax net operating income | $2,284,000 | 951 |
| Securities gains (losses) | $203,000 | 498 |
| Applicable income taxes | $567,000 | 1,186 |
| Income before extraordinary items | $1,920,000 | 857 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,920,000 | 857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 706 |
| Cash dividends | $1,200,000 | 567 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,763,690 | 877 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $38,828,000 | 725 |
| Total interest expense | $11,965,000 | 732 |
| Net interest income | $26,863,000 | 706 |
| Provision for loan and lease losses | $5,706,000 | 303 |
| Total noninterest income | $10,383,000 | 630 |
| Gross Fiduciary activities income | $830,000 | 425 |
| Service charges on deposit accounts | $5,219,000 | 321 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,334,000 | 847 |
| Total noninterest expense | $23,571,000 | 688 |
| Salaries and employee benefits | $12,026,000 | 708 |
| Premises and equipment expense | $4,972,000 | 478 |
| Additional noninterest expense | $6,573,000 | 784 |
| Pre-tax net operating income | $7,969,000 | 1,052 |
| Securities gains (losses) | $1,069,000 | 455 |
| Applicable income taxes | $1,965,000 | 1,307 |
| Income before extraordinary items | $7,073,000 | 915 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,073,000 | 917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,967,000 | 332 |
| Cash dividends | $4,440,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,239,180 | 966 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $29,213,000 | 742 |
| Total interest expense | $9,079,000 | 756 |
| Net interest income | $20,134,000 | 713 |
| Provision for loan and lease losses | $4,688,000 | 289 |
| Total noninterest income | $7,029,000 | 716 |
| Gross Fiduciary activities income | $650,000 | 414 |
| Service charges on deposit accounts | $3,912,000 | 328 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,467,000 | 1,072 |
| Total noninterest expense | $17,578,000 | 712 |
| Salaries and employee benefits | $8,996,000 | 726 |
| Premises and equipment expense | $3,612,000 | 498 |
| Additional noninterest expense | $4,970,000 | 782 |
| Pre-tax net operating income | $4,897,000 | 1,314 |
| Securities gains (losses) | $970,000 | 459 |
| Applicable income taxes | $1,387,000 | 1,431 |
| Income before extraordinary items | $4,480,000 | 1,123 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,480,000 | 1,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,983,000 | 329 |
| Cash dividends | $3,040,000 | 719 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,742,800 | 1,248 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,752,000 | 739 |
| Total interest expense | $6,090,000 | 789 |
| Net interest income | $13,662,000 | 698 |
| Provision for loan and lease losses | $2,408,000 | 346 |
| Total noninterest income | $4,622,000 | 710 |
| Gross Fiduciary activities income | $419,000 | 429 |
| Service charges on deposit accounts | $2,598,000 | 327 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,605,000 | 1,083 |
| Total noninterest expense | $11,410,000 | 727 |
| Salaries and employee benefits | $6,060,000 | 722 |
| Premises and equipment expense | $2,147,000 | 554 |
| Additional noninterest expense | $3,203,000 | 818 |
| Pre-tax net operating income | $4,466,000 | 978 |
| Securities gains (losses) | $567,000 | 526 |
| Applicable income taxes | $1,285,000 | 1,115 |
| Income before extraordinary items | $3,748,000 | 907 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,748,000 | 908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $700,000 | 664 |
| Cash dividends | $2,140,000 | 698 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,328,420 | 927 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,160,000 | 722 |
| Total interest expense | $3,059,000 | 804 |
| Net interest income | $7,101,000 | 673 |
| Provision for loan and lease losses | $1,532,000 | 284 |
| Total noninterest income | $2,296,000 | 710 |
| Gross Fiduciary activities income | $185,000 | 462 |
| Service charges on deposit accounts | $1,301,000 | 327 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $810,000 | 1,039 |
| Total noninterest expense | $5,628,000 | 735 |
| Salaries and employee benefits | $2,997,000 | 727 |
| Premises and equipment expense | $1,078,000 | 555 |
| Additional noninterest expense | $1,553,000 | 817 |
| Pre-tax net operating income | $2,237,000 | 988 |
| Securities gains (losses) | $442,000 | 385 |
| Applicable income taxes | $662,000 | 1,112 |
| Income before extraordinary items | $2,017,000 | 840 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,017,000 | 839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 466 |
| Cash dividends | $940,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,685,500 | 923 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $43,954,000 | 694 |
| Total interest expense | $14,426,000 | 773 |
| Net interest income | $29,528,000 | 646 |
| Provision for loan and lease losses | $7,204,000 | 300 |
| Total noninterest income | $9,004,000 | 671 |
| Gross Fiduciary activities income | $650,000 | 489 |
| Service charges on deposit accounts | $5,398,000 | 314 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,956,000 | 1,005 |
| Total noninterest expense | $23,040,000 | 700 |
| Salaries and employee benefits | $11,957,000 | 693 |
| Premises and equipment expense | $4,435,000 | 522 |
| Additional noninterest expense | $6,648,000 | 768 |
| Pre-tax net operating income | $8,288,000 | 1,018 |
| Securities gains (losses) | $762,000 | 498 |
| Applicable income taxes | $2,235,000 | 1,180 |
| Income before extraordinary items | $6,815,000 | 920 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,815,000 | 918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,614,000 | 342 |
| Cash dividends | $3,861,000 | 767 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,243,500 | 961 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $51,193,000 | 686 |
| Total interest expense | $23,811,000 | 702 |
| Net interest income | $27,382,000 | 656 |
| Provision for loan and lease losses | $3,463,000 | 469 |
| Total noninterest income | $7,862,000 | 704 |
| Gross Fiduciary activities income | $451,000 | 625 |
| Service charges on deposit accounts | $5,315,000 | 303 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,096,000 | 1,203 |
| Total noninterest expense | $22,212,000 | 702 |
| Salaries and employee benefits | $11,840,000 | 639 |
| Premises and equipment expense | $4,264,000 | 525 |
| Additional noninterest expense | $6,108,000 | 817 |
| Pre-tax net operating income | $9,569,000 | 796 |
| Securities gains (losses) | $836,000 | 449 |
| Applicable income taxes | $2,534,000 | 966 |
| Income before extraordinary items | $7,871,000 | 717 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $7,871,000 | 718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,869,000 | 600 |
| Cash dividends | $4,469,000 | 676 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $7,235,640 | 736 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $51,939,000 | 704 |
| Total interest expense | $24,221,000 | 757 |
| Net interest income | $27,718,000 | 647 |
| Provision for loan and lease losses | $3,277,000 | 432 |
| Total noninterest income | $7,577,000 | 698 |
| Gross Fiduciary activities income | $415,000 | 656 |
| Service charges on deposit accounts | $4,918,000 | 291 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,244,000 | 1,049 |
| Total noninterest expense | $21,899,000 | 710 |
| Salaries and employee benefits | $10,629,000 | 673 |
| Premises and equipment expense | $3,972,000 | 560 |
| Additional noninterest expense | $7,298,000 | 722 |
| Pre-tax net operating income | $10,119,000 | 769 |
| Securities gains (losses) | $17,000 | 991 |
| Applicable income taxes | $3,190,000 | 788 |
| Income before extraordinary items | $6,946,000 | 782 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,946,000 | 782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,538,000 | 420 |
| Cash dividends | $2,935,000 | 988 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,934,270 | 780 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $44,599,000 | 759 |
| Total interest expense | $18,861,000 | 834 |
| Net interest income | $25,738,000 | 709 |
| Provision for loan and lease losses | $4,520,000 | 323 |
| Total noninterest income | $7,061,000 | 750 |
| Gross Fiduciary activities income | $378,000 | 717 |
| Service charges on deposit accounts | $4,895,000 | 300 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,788,000 | 1,243 |
| Total noninterest expense | $19,955,000 | 764 |
| Salaries and employee benefits | $10,085,000 | 699 |
| Premises and equipment expense | $2,653,000 | 767 |
| Additional noninterest expense | $7,217,000 | 763 |
| Pre-tax net operating income | $8,324,000 | 962 |
| Securities gains (losses) | $204,000 | 540 |
| Applicable income taxes | $2,245,000 | 1,110 |
| Income before extraordinary items | $6,283,000 | 895 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,283,000 | 895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,478,000 | 333 |
| Cash dividends | $2,720,000 | 1,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $6,132,040 | 901 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $40,532,000 | 823 |
| Total interest expense | $17,803,000 | 891 |
| Net interest income | $22,729,000 | 757 |
| Provision for loan and lease losses | $2,336,000 | 520 |
| Total noninterest income | $5,958,000 | 822 |
| Gross Fiduciary activities income | $363,000 | 735 |
| Service charges on deposit accounts | $4,297,000 | 308 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,298,000 | 1,543 |
| Total noninterest expense | $17,591,000 | 822 |
| Salaries and employee benefits | $8,946,000 | 752 |
| Premises and equipment expense | $2,338,000 | 837 |
| Additional noninterest expense | $6,307,000 | 818 |
| Pre-tax net operating income | $8,760,000 | 898 |
| Securities gains (losses) | $550,000 | 520 |
| Applicable income taxes | $2,720,000 | 944 |
| Income before extraordinary items | $6,590,000 | 835 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,590,000 | 834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,865,000 | 489 |
| Cash dividends | $12,210,000 | 326 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 876 |
| Net operating income | $6,199,500 | 841 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $27,418,000 | 1,218 |
| Total interest expense | $11,768,000 | 1,340 |
| Net interest income | $15,650,000 | 1,130 |
| Provision for loan and lease losses | $1,732,000 | 660 |
| Total noninterest income | $4,012,000 | 1,072 |
| Gross Fiduciary activities income | $335,000 | 784 |
| Service charges on deposit accounts | $2,761,000 | 479 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $916,000 | 1,837 |
| Total noninterest expense | $11,198,000 | 1,184 |
| Salaries and employee benefits | $5,703,000 | 1,150 |
| Premises and equipment expense | $1,539,000 | 1,276 |
| Additional noninterest expense | $3,956,000 | 1,130 |
| Pre-tax net operating income | $6,732,000 | 1,177 |
| Securities gains (losses) | $78,000 | 1,101 |
| Applicable income taxes | $1,955,000 | 1,355 |
| Income before extraordinary items | $4,855,000 | 1,146 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,855,000 | 1,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,466,000 | 614 |
| Cash dividends | $1,955,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,799,620 | 1,132 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,665,000 | 1,327 |
| Total interest expense | $11,224,000 | 1,440 |
| Net interest income | $14,441,000 | 1,243 |
| Provision for loan and lease losses | $1,835,000 | 665 |
| Total noninterest income | $3,460,000 | 1,226 |
| Gross Fiduciary activities income | $296,000 | 866 |
| Service charges on deposit accounts | $2,512,000 | 548 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $652,000 | 2,427 |
| Total noninterest expense | $10,253,000 | 1,398 |
| Salaries and employee benefits | $5,524,000 | 1,204 |
| Premises and equipment expense | $1,321,000 | 1,539 |
| Additional noninterest expense | $3,408,000 | 1,557 |
| Pre-tax net operating income | $5,813,000 | 1,238 |
| Securities gains (losses) | $51,000 | 1,313 |
| Applicable income taxes | $1,543,000 | 1,564 |
| Income before extraordinary items | $4,321,000 | 1,177 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,321,000 | 1,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,356,000 | 739 |
| Cash dividends | $1,716,000 | 1,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,283,260 | 1,165 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,041,000 | 1,428 |
| Total interest expense | $11,078,000 | 1,473 |
| Net interest income | $12,963,000 | 1,388 |
| Provision for loan and lease losses | $848,000 | 1,085 |
| Total noninterest income | $3,259,000 | 1,284 |
| Gross Fiduciary activities income | $292,000 | 911 |
| Service charges on deposit accounts | $2,193,000 | 629 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $774,000 | 2,150 |
| Total noninterest expense | $10,118,000 | 1,398 |
| Salaries and employee benefits | $5,492,000 | 1,220 |
| Premises and equipment expense | $1,228,000 | 1,645 |
| Additional noninterest expense | $3,398,000 | 1,518 |
| Pre-tax net operating income | $5,256,000 | 1,438 |
| Securities gains (losses) | $42,000 | 1,423 |
| Applicable income taxes | $1,278,000 | 1,915 |
| Income before extraordinary items | $4,020,000 | 1,313 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,020,000 | 1,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $883,000 | 950 |
| Cash dividends | $2,358,000 | 1,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,988,080 | 1,301 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $19,522,000 | 1,586 |
| Total interest expense | $8,177,000 | 1,563 |
| Net interest income | $11,345,000 | 1,592 |
| Provision for loan and lease losses | $348,000 | 2,045 |
| Total noninterest income | $3,060,000 | 1,346 |
| Gross Fiduciary activities income | $272,000 | 935 |
| Service charges on deposit accounts | $2,042,000 | 672 |
| Trading account gains and fees | $1,000 | 450 |
| Additional Noninterest Income | $745,000 | 2,242 |
| Total noninterest expense | $10,072,000 | 1,454 |
| Salaries and employee benefits | $5,048,000 | 1,338 |
| Premises and equipment expense | $1,210,000 | 1,708 |
| Additional noninterest expense | $3,814,000 | 1,471 |
| Pre-tax net operating income | $3,985,000 | 1,791 |
| Securities gains (losses) | $125,000 | 683 |
| Applicable income taxes | $962,000 | 2,320 |
| Income before extraordinary items | $3,148,000 | 1,557 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,148,000 | 1,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $978,000 | 874 |
| Cash dividends | $1,824,000 | 1,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,051,750 | 1,609 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,044,000 | 2,093 |
| Total interest expense | $5,656,000 | 2,293 |
| Net interest income | $9,388,000 | 1,925 |
| Provision for loan and lease losses | $457,000 | 2,235 |
| Total noninterest income | $2,343,000 | 1,758 |
| Gross Fiduciary activities income | $257,000 | 995 |
| Service charges on deposit accounts | $1,549,000 | 840 |
| Trading account gains and fees | $10,000 | 417 |
| Additional Noninterest Income | $527,000 | 3,154 |
| Total noninterest expense | $8,125,000 | 1,836 |
| Salaries and employee benefits | $4,156,000 | 1,618 |
| Premises and equipment expense | $917,000 | 2,231 |
| Additional noninterest expense | $3,052,000 | 1,889 |
| Pre-tax net operating income | $3,149,000 | 2,168 |
| Securities gains (losses) | $89,000 | 2,664 |
| Applicable income taxes | $618,000 | 3,510 |
| Income before extraordinary items | $2,620,000 | 1,910 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,620,000 | 1,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 2,257 |
| Cash dividends | $7,475,000 | 353 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,547,910 | 1,846 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,233,000 | 2,053 |
| Total interest expense | $7,137,000 | 2,359 |
| Net interest income | $10,096,000 | 1,814 |
| Provision for loan and lease losses | $725,000 | 2,306 |
| Total noninterest income | $2,234,000 | 1,803 |
| Gross Fiduciary activities income | $236,000 | 1,039 |
| Service charges on deposit accounts | $1,519,000 | 858 |
| Trading account gains and fees | $3,000 | 463 |
| Additional Noninterest Income | $476,000 | 3,289 |
| Total noninterest expense | $7,757,000 | 1,931 |
| Salaries and employee benefits | $3,995,000 | 1,656 |
| Premises and equipment expense | $913,000 | 2,277 |
| Additional noninterest expense | $2,849,000 | 2,082 |
| Pre-tax net operating income | $3,848,000 | 1,620 |
| Securities gains (losses) | $401,000 | 1,277 |
| Applicable income taxes | $1,122,000 | 1,890 |
| Income before extraordinary items | $3,127,000 | 1,493 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,127,000 | 1,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 6,145 |
| Cash dividends | $1,415,000 | 1,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,830,260 | 1,511 |
* 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.