Home > The Reedsburg Bank > Income and Expense
The Reedsburg Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,339,000 | 2,903 |
| Total interest expense | $4,962,000 | 2,754 |
| Net interest income | $5,377,000 | 3,032 |
| Provision for loan and lease losses | $650,000 | 1,267 |
| Total noninterest income | $601,000 | 4,022 |
| Gross Fiduciary activities income | $28,000 | 1,034 |
| Service charges on deposit accounts | $389,000 | 2,968 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $184,000 | 4,660 |
| Total noninterest expense | $3,457,000 | 3,670 |
| Salaries and employee benefits | $1,984,000 | 3,565 |
| Premises and equipment expense | $397,000 | 4,184 |
| Additional noninterest expense | $1,076,000 | 3,496 |
| Pre-tax net operating income | $1,871,000 | 2,979 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $580,000 | 2,342 |
| Income before extraordinary items | $1,291,000 | 3,304 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,291,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 1,560 |
| Cash dividends | $900,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,291,000 | 3,291 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,979,000 | 2,884 |
| Total interest expense | $3,298,000 | 2,759 |
| Net interest income | $3,681,000 | 2,985 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $398,000 | 4,049 |
| Gross Fiduciary activities income | $18,000 | 1,054 |
| Service charges on deposit accounts | $262,000 | 2,934 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $118,000 | 4,783 |
| Total noninterest expense | $2,267,000 | 3,744 |
| Salaries and employee benefits | $1,290,000 | 3,662 |
| Premises and equipment expense | $259,000 | 4,278 |
| Additional noninterest expense | $718,000 | 3,492 |
| Pre-tax net operating income | $1,692,000 | 2,470 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $558,000 | 1,927 |
| Income before extraordinary items | $1,134,000 | 2,766 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,134,000 | 2,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,913 |
| Cash dividends | $600,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,134,000 | 2,748 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,619,000 | 2,773 |
| Total interest expense | $1,645,000 | 2,750 |
| Net interest income | $1,974,000 | 2,790 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $196,000 | 4,074 |
| Gross Fiduciary activities income | $9,000 | 1,048 |
| Service charges on deposit accounts | $137,000 | 2,783 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $50,000 | 5,113 |
| Total noninterest expense | $1,123,000 | 3,769 |
| Salaries and employee benefits | $656,000 | 3,631 |
| Premises and equipment expense | $123,000 | 4,440 |
| Additional noninterest expense | $344,000 | 3,578 |
| Pre-tax net operating income | $987,000 | 2,195 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $334,000 | 1,729 |
| Income before extraordinary items | $653,000 | 2,465 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $653,000 | 2,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 1,264 |
| Cash dividends | $300,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $653,000 | 2,441 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,519,000 | 2,788 |
| Total interest expense | $6,094,000 | 2,560 |
| Net interest income | $7,425,000 | 2,950 |
| Provision for loan and lease losses | $240,000 | 3,157 |
| Total noninterest income | $894,000 | 3,788 |
| Gross Fiduciary activities income | $50,000 | 1,027 |
| Service charges on deposit accounts | $579,000 | 2,760 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $265,000 | 4,541 |
| Total noninterest expense | $4,867,000 | 3,421 |
| Salaries and employee benefits | $2,839,000 | 3,284 |
| Premises and equipment expense | $536,000 | 4,074 |
| Additional noninterest expense | $1,492,000 | 3,301 |
| Pre-tax net operating income | $3,212,000 | 2,658 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,036,000 | 2,146 |
| Income before extraordinary items | $2,176,000 | 2,925 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,176,000 | 2,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,871 |
| Cash dividends | $1,125,000 | 2,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,176,000 | 2,910 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,831,000 | 2,841 |
| Total interest expense | $4,434,000 | 2,555 |
| Net interest income | $5,397,000 | 3,062 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $646,000 | 3,886 |
| Gross Fiduciary activities income | $29,000 | 1,056 |
| Service charges on deposit accounts | $424,000 | 2,828 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $193,000 | 4,599 |
| Total noninterest expense | $3,664,000 | 3,404 |
| Salaries and employee benefits | $2,139,000 | 3,272 |
| Premises and equipment expense | $409,000 | 4,049 |
| Additional noninterest expense | $1,116,000 | 3,314 |
| Pre-tax net operating income | $2,199,000 | 2,929 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $691,000 | 2,395 |
| Income before extraordinary items | $1,508,000 | 3,196 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,508,000 | 3,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 2,106 |
| Cash dividends | $750,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,508,000 | 3,188 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,262,000 | 2,919 |
| Total interest expense | $2,786,000 | 2,600 |
| Net interest income | $3,476,000 | 3,154 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $381,000 | 4,168 |
| Gross Fiduciary activities income | $12,000 | 1,136 |
| Service charges on deposit accounts | $270,000 | 2,914 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,149 |
| Total noninterest expense | $2,456,000 | 3,391 |
| Salaries and employee benefits | $1,436,000 | 3,259 |
| Premises and equipment expense | $277,000 | 4,017 |
| Additional noninterest expense | $743,000 | 3,318 |
| Pre-tax net operating income | $1,281,000 | 3,213 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $386,000 | 2,673 |
| Income before extraordinary items | $895,000 | 3,460 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $895,000 | 3,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $750,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $895,000 | 3,449 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,997,000 | 2,973 |
| Total interest expense | $1,316,000 | 2,621 |
| Net interest income | $1,681,000 | 3,233 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $197,000 | 4,022 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $144,000 | 2,683 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $52,000 | 5,040 |
| Total noninterest expense | $1,247,000 | 3,364 |
| Salaries and employee benefits | $720,000 | 3,253 |
| Premises and equipment expense | $145,000 | 3,885 |
| Additional noninterest expense | $382,000 | 3,250 |
| Pre-tax net operating income | $571,000 | 3,433 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $166,000 | 2,886 |
| Income before extraordinary items | $405,000 | 3,684 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $405,000 | 3,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $375,000 | 1,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $405,000 | 3,666 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,478,000 | 3,034 |
| Total interest expense | $3,492,000 | 2,947 |
| Net interest income | $6,986,000 | 3,045 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $1,066,000 | 3,401 |
| Gross Fiduciary activities income | $54,000 | 1,032 |
| Service charges on deposit accounts | $594,000 | 2,676 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $418,000 | 3,701 |
| Total noninterest expense | $5,124,000 | 3,168 |
| Salaries and employee benefits | $3,019,000 | 2,942 |
| Premises and equipment expense | $691,000 | 3,272 |
| Additional noninterest expense | $1,414,000 | 3,381 |
| Pre-tax net operating income | $2,868,000 | 2,864 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $888,000 | 2,430 |
| Income before extraordinary items | $1,980,000 | 3,116 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,980,000 | 3,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,723 |
| Cash dividends | $1,342,000 | 1,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,980,000 | 3,081 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,557,000 | 3,085 |
| Total interest expense | $2,324,000 | 3,102 |
| Net interest income | $5,233,000 | 3,032 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $814,000 | 3,367 |
| Gross Fiduciary activities income | $19,000 | 1,127 |
| Service charges on deposit accounts | $454,000 | 2,638 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $341,000 | 3,571 |
| Total noninterest expense | $3,922,000 | 3,084 |
| Salaries and employee benefits | $2,297,000 | 2,884 |
| Premises and equipment expense | $542,000 | 3,133 |
| Additional noninterest expense | $1,083,000 | 3,299 |
| Pre-tax net operating income | $2,080,000 | 2,965 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $638,000 | 2,541 |
| Income before extraordinary items | $1,442,000 | 3,227 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,442,000 | 3,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,170 |
| Cash dividends | $1,006,000 | 1,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,442,000 | 3,191 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,877,000 | 3,108 |
| Total interest expense | $1,430,000 | 3,169 |
| Net interest income | $3,447,000 | 3,035 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $591,000 | 3,134 |
| Gross Fiduciary activities income | $9,000 | 1,180 |
| Service charges on deposit accounts | $296,000 | 2,647 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $286,000 | 3,157 |
| Total noninterest expense | $2,710,000 | 2,969 |
| Salaries and employee benefits | $1,575,000 | 2,798 |
| Premises and equipment expense | $407,000 | 2,803 |
| Additional noninterest expense | $728,000 | 3,258 |
| Pre-tax net operating income | $1,298,000 | 3,073 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $391,000 | 2,653 |
| Income before extraordinary items | $907,000 | 3,334 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $907,000 | 3,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,912 |
| Cash dividends | $671,000 | 1,804 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $907,000 | 3,287 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,241,000 | 3,291 |
| Total interest expense | $648,000 | 3,308 |
| Net interest income | $1,593,000 | 3,237 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $359,000 | 2,677 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $144,000 | 2,653 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $214,000 | 2,380 |
| Total noninterest expense | $1,373,000 | 2,937 |
| Salaries and employee benefits | $841,000 | 2,666 |
| Premises and equipment expense | $180,000 | 3,146 |
| Additional noninterest expense | $352,000 | 3,344 |
| Pre-tax net operating income | $564,000 | 3,372 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $162,000 | 2,970 |
| Income before extraordinary items | $402,000 | 3,609 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $402,000 | 3,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 1,489 |
| Cash dividends | $336,000 | 1,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $402,000 | 3,575 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,978,000 | 3,421 |
| Total interest expense | $2,112,000 | 3,486 |
| Net interest income | $5,866,000 | 3,342 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,506,000 | 2,679 |
| Gross Fiduciary activities income | $56,000 | 1,040 |
| Service charges on deposit accounts | $575,000 | 2,803 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $875,000 | 2,337 |
| Total noninterest expense | $5,091,000 | 3,061 |
| Salaries and employee benefits | $2,891,000 | 2,929 |
| Premises and equipment expense | $747,000 | 2,957 |
| Additional noninterest expense | $1,453,000 | 3,202 |
| Pre-tax net operating income | $2,281,000 | 3,218 |
| Securities gains (losses) | $6,000 | 3,079 |
| Applicable income taxes | $530,000 | 3,253 |
| Income before extraordinary items | $1,757,000 | 3,239 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,757,000 | 3,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,555 |
| Cash dividends | $1,200,000 | 2,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,752,380 | 3,184 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,812,000 | 3,473 |
| Total interest expense | $1,501,000 | 3,601 |
| Net interest income | $4,311,000 | 3,388 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,367,000 | 2,354 |
| Gross Fiduciary activities income | $33,000 | 1,074 |
| Service charges on deposit accounts | $397,000 | 3,031 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $937,000 | 1,851 |
| Total noninterest expense | $3,604,000 | 3,214 |
| Salaries and employee benefits | $2,063,000 | 3,053 |
| Premises and equipment expense | $541,000 | 3,048 |
| Additional noninterest expense | $1,000,000 | 3,435 |
| Pre-tax net operating income | $2,074,000 | 2,788 |
| Securities gains (losses) | $6,000 | 2,970 |
| Applicable income taxes | $398,000 | 3,310 |
| Income before extraordinary items | $1,682,000 | 2,695 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,682,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 2,759 |
| Cash dividends | $900,000 | 1,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,677,140 | 2,640 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,848,000 | 3,480 |
| Total interest expense | $949,000 | 3,764 |
| Net interest income | $2,899,000 | 3,356 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $504,000 | 3,558 |
| Gross Fiduciary activities income | $18,000 | 1,108 |
| Service charges on deposit accounts | $229,000 | 3,336 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $257,000 | 3,272 |
| Total noninterest expense | $2,354,000 | 3,278 |
| Salaries and employee benefits | $1,272,000 | 3,285 |
| Premises and equipment expense | $311,000 | 3,442 |
| Additional noninterest expense | $771,000 | 3,041 |
| Pre-tax net operating income | $1,049,000 | 3,427 |
| Securities gains (losses) | $6,000 | 2,670 |
| Applicable income taxes | $274,000 | 3,232 |
| Income before extraordinary items | $781,000 | 3,588 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $781,000 | 3,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,000 |
| Cash dividends | $600,000 | 1,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $776,560 | 3,514 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,910,000 | 3,516 |
| Total interest expense | $474,000 | 3,810 |
| Net interest income | $1,436,000 | 3,377 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $243,000 | 3,596 |
| Gross Fiduciary activities income | $9,000 | 1,110 |
| Service charges on deposit accounts | $109,000 | 3,379 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $125,000 | 3,263 |
| Total noninterest expense | $1,162,000 | 3,314 |
| Salaries and employee benefits | $635,000 | 3,307 |
| Premises and equipment expense | $157,000 | 3,456 |
| Additional noninterest expense | $370,000 | 3,128 |
| Pre-tax net operating income | $517,000 | 3,430 |
| Securities gains (losses) | $6,000 | 2,267 |
| Applicable income taxes | $136,000 | 3,265 |
| Income before extraordinary items | $387,000 | 3,597 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $387,000 | 3,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,954 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $382,560 | 3,509 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,216,000 | 8,376 |
| Total interest expense | $325,000 | 8,381 |
| Net interest income | $891,000 | 8,277 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $226,000 | 7,130 |
| Gross Fiduciary activities income | $61,000 | 1,051 |
| Service charges on deposit accounts | $83,000 | 6,840 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $82,000 | 6,847 |
| Total noninterest expense | $676,000 | 8,497 |
| Salaries and employee benefits | $330,000 | 8,658 |
| Premises and equipment expense | $87,000 | 8,237 |
| Additional noninterest expense | $259,000 | 8,039 |
| Pre-tax net operating income | $441,000 | 6,880 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $49,000 | 6,289 |
| Income before extraordinary items | $392,000 | 6,849 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $392,000 | 6,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-102,000 | 9,039 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $392,000 | 6,692 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,264,000 | 3,364 |
| Total interest expense | $1,886,000 | 3,437 |
| Net interest income | $4,378,000 | 3,276 |
| Provision for loan and lease losses | $155,000 | 3,838 |
| Total noninterest income | $950,000 | 3,240 |
| Gross Fiduciary activities income | $27,000 | 1,131 |
| Service charges on deposit accounts | $240,000 | 4,171 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $683,000 | 2,606 |
| Total noninterest expense | $3,087,000 | 3,613 |
| Salaries and employee benefits | $1,688,000 | 3,538 |
| Premises and equipment expense | $402,000 | 3,837 |
| Additional noninterest expense | $997,000 | 3,406 |
| Pre-tax net operating income | $2,086,000 | 2,758 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $360,000 | 3,591 |
| Income before extraordinary items | $1,726,000 | 2,653 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,726,000 | 2,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,652 |
| Cash dividends | $335,000 | 3,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,726,000 | 2,513 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,200,000 | 3,364 |
| Total interest expense | $1,274,000 | 3,495 |
| Net interest income | $2,926,000 | 3,266 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $611,000 | 3,300 |
| Gross Fiduciary activities income | $18,000 | 1,134 |
| Service charges on deposit accounts | $162,000 | 4,116 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $431,000 | 2,670 |
| Total noninterest expense | $2,023,000 | 3,663 |
| Salaries and employee benefits | $1,105,000 | 3,585 |
| Premises and equipment expense | $273,000 | 3,763 |
| Additional noninterest expense | $645,000 | 3,481 |
| Pre-tax net operating income | $1,514,000 | 2,570 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $240,000 | 3,624 |
| Income before extraordinary items | $1,274,000 | 2,439 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,274,000 | 2,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,731 |
| Cash dividends | $140,000 | 3,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,274,000 | 2,304 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 3,362 |
| Total interest expense | $659,000 | 3,477 |
| Net interest income | $1,460,000 | 3,250 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $255,000 | 3,591 |
| Gross Fiduciary activities income | $9,000 | 1,140 |
| Service charges on deposit accounts | $75,000 | 4,221 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $171,000 | 2,981 |
| Total noninterest expense | $1,029,000 | 3,566 |
| Salaries and employee benefits | $561,000 | 3,552 |
| Premises and equipment expense | $142,000 | 3,648 |
| Additional noninterest expense | $326,000 | 3,392 |
| Pre-tax net operating income | $686,000 | 2,777 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $120,000 | 3,625 |
| Income before extraordinary items | $566,000 | 2,672 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $566,000 | 2,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $566,000 | 2,537 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,744,000 | 3,390 |
| Total interest expense | $3,056,000 | 3,491 |
| Net interest income | $5,688,000 | 3,281 |
| Provision for loan and lease losses | $160,000 | 4,794 |
| Total noninterest income | $1,035,000 | 3,409 |
| Gross Fiduciary activities income | $50,000 | 1,111 |
| Service charges on deposit accounts | $341,000 | 3,939 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $644,000 | 2,849 |
| Total noninterest expense | $4,069,000 | 3,524 |
| Salaries and employee benefits | $2,227,000 | 3,430 |
| Premises and equipment expense | $519,000 | 3,829 |
| Additional noninterest expense | $1,323,000 | 3,315 |
| Pre-tax net operating income | $2,494,000 | 2,885 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $484,000 | 3,512 |
| Income before extraordinary items | $2,010,000 | 2,792 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,010,000 | 2,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,849 |
| Cash dividends | $280,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,010,000 | 2,701 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,450,000 | 3,478 |
| Total interest expense | $4,803,000 | 3,257 |
| Net interest income | $4,647,000 | 3,650 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $958,000 | 3,448 |
| Gross Fiduciary activities income | $49,000 | 1,136 |
| Service charges on deposit accounts | $365,000 | 3,652 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $544,000 | 2,993 |
| Total noninterest expense | $3,861,000 | 3,537 |
| Salaries and employee benefits | $2,114,000 | 3,431 |
| Premises and equipment expense | $571,000 | 3,514 |
| Additional noninterest expense | $1,176,000 | 3,562 |
| Pre-tax net operating income | $1,684,000 | 3,579 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $216,000 | 4,891 |
| Income before extraordinary items | $1,468,000 | 3,277 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,468,000 | 3,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 9,395 |
| Cash dividends | $250,000 | 4,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,468,000 | 3,170 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,805,000 | 3,793 |
| Total interest expense | $4,588,000 | 3,563 |
| Net interest income | $4,217,000 | 4,004 |
| Provision for loan and lease losses | $45,000 | 6,708 |
| Total noninterest income | $911,000 | 3,361 |
| Gross Fiduciary activities income | $44,000 | 1,065 |
| Service charges on deposit accounts | $311,000 | 3,954 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $556,000 | 2,768 |
| Total noninterest expense | $3,460,000 | 3,738 |
| Salaries and employee benefits | $1,863,000 | 3,677 |
| Premises and equipment expense | $521,000 | 3,667 |
| Additional noninterest expense | $1,076,000 | 3,760 |
| Pre-tax net operating income | $1,623,000 | 3,852 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $318,000 | 4,468 |
| Income before extraordinary items | $1,305,000 | 3,625 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,305,000 | 3,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,044 |
| Cash dividends | $240,000 | 4,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,305,000 | 3,610 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,213,000 | 3,816 |
| Total interest expense | $4,208,000 | 3,433 |
| Net interest income | $4,005,000 | 4,168 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $820,000 | 3,558 |
| Gross Fiduciary activities income | $43,000 | 1,120 |
| Service charges on deposit accounts | $278,000 | 4,203 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $499,000 | 2,957 |
| Total noninterest expense | $3,366,000 | 3,825 |
| Salaries and employee benefits | $1,815,000 | 3,718 |
| Premises and equipment expense | $529,000 | 3,598 |
| Additional noninterest expense | $1,022,000 | 3,950 |
| Pre-tax net operating income | $1,399,000 | 4,297 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $271,000 | 5,034 |
| Income before extraordinary items | $1,129,000 | 4,056 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,129,000 | 4,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $224,000 | 5,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,128,190 | 4,020 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,993,000 | 3,938 |
| Total interest expense | $4,345,000 | 3,412 |
| Net interest income | $3,648,000 | 4,435 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $834,000 | 3,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,354 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $573,000 | 2,724 |
| Total noninterest expense | $3,049,000 | 4,057 |
| Salaries and employee benefits | $1,621,000 | 3,996 |
| Premises and equipment expense | $537,000 | 3,496 |
| Additional noninterest expense | $891,000 | 4,323 |
| Pre-tax net operating income | $1,373,000 | 4,454 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $366,000 | 4,657 |
| Income before extraordinary items | $1,009,000 | 4,486 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,009,000 | 4,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $212,000 | 5,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,007,540 | 4,390 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,678,000 | 4,125 |
| Total interest expense | $4,159,000 | 3,532 |
| Net interest income | $3,519,000 | 4,715 |
| Provision for loan and lease losses | $66,000 | 6,012 |
| Total noninterest income | $793,000 | 3,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $512,000 | 2,787 |
| Total noninterest expense | $2,905,000 | 4,206 |
| Salaries and employee benefits | $1,525,000 | 4,192 |
| Premises and equipment expense | $516,000 | 3,607 |
| Additional noninterest expense | $864,000 | 4,464 |
| Pre-tax net operating income | $1,341,000 | 4,855 |
| Securities gains (losses) | $9,000 | 2,430 |
| Applicable income taxes | $316,000 | 5,575 |
| Income before extraordinary items | $1,034,000 | 4,585 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,034,000 | 4,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,103 |
| Cash dividends | $202,000 | 5,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,027,070 | 4,553 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,172,000 | 4,474 |
| Total interest expense | $4,103,000 | 3,622 |
| Net interest income | $3,069,000 | 5,345 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $754,000 | 3,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,592 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $487,000 | 2,980 |
| Total noninterest expense | $2,810,000 | 4,541 |
| Salaries and employee benefits | $1,432,000 | 4,504 |
| Premises and equipment expense | $461,000 | 4,038 |
| Additional noninterest expense | $917,000 | 4,692 |
| Pre-tax net operating income | $917,000 | 6,028 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $214,000 | 6,916 |
| Income before extraordinary items | $703,000 | 5,750 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $703,000 | 5,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,393 |
| Cash dividends | $192,000 | 5,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $703,000 | 5,698 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,916,000 | 4,605 |
| Total interest expense | $3,789,000 | 3,864 |
| Net interest income | $3,127,000 | 5,320 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $683,000 | 4,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $419,000 | 3,210 |
| Total noninterest expense | $2,699,000 | 4,677 |
| Salaries and employee benefits | $1,318,000 | 4,803 |
| Premises and equipment expense | $474,000 | 3,924 |
| Additional noninterest expense | $907,000 | 4,741 |
| Pre-tax net operating income | $1,015,000 | 5,929 |
| Securities gains (losses) | $73,000 | 1,094 |
| Applicable income taxes | $247,000 | 6,693 |
| Income before extraordinary items | $841,000 | 5,253 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $841,000 | 5,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,556 |
| Cash dividends | $180,000 | 5,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $784,790 | 5,505 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,908,000 | 4,930 |
| Total interest expense | $2,894,000 | 4,089 |
| Net interest income | $3,014,000 | 5,600 |
| Provision for loan and lease losses | $126,000 | 3,941 |
| Total noninterest income | $624,000 | 4,530 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $375,000 | 3,547 |
| Total noninterest expense | $2,609,000 | 4,966 |
| Salaries and employee benefits | $1,300,000 | 4,878 |
| Premises and equipment expense | $365,000 | 4,937 |
| Additional noninterest expense | $944,000 | 4,957 |
| Pre-tax net operating income | $905,000 | 6,375 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $174,000 | 7,835 |
| Income before extraordinary items | $731,000 | 5,726 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $731,000 | 5,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $170,000 | 5,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $731,000 | 5,800 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,964,000 | 4,980 |
| Total interest expense | $2,868,000 | 4,279 |
| Net interest income | $3,096,000 | 5,518 |
| Provision for loan and lease losses | $135,000 | 4,908 |
| Total noninterest income | $579,000 | 5,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $338,000 | 4,191 |
| Total noninterest expense | $2,410,000 | 5,430 |
| Salaries and employee benefits | $1,226,000 | 5,135 |
| Premises and equipment expense | $301,000 | 5,841 |
| Additional noninterest expense | $883,000 | 5,460 |
| Pre-tax net operating income | $1,130,000 | 5,414 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $318,000 | 5,861 |
| Income before extraordinary items | $815,000 | 5,490 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $815,000 | 5,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,468 |
| Cash dividends | $160,000 | 5,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $812,840 | 5,258 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,331,000 | 5,253 |
| Total interest expense | $3,350,000 | 4,713 |
| Net interest income | $2,981,000 | 5,747 |
| Provision for loan and lease losses | $239,000 | 4,759 |
| Total noninterest income | $537,000 | 5,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,976 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $336,000 | 4,131 |
| Total noninterest expense | $2,203,000 | 5,913 |
| Salaries and employee benefits | $1,119,000 | 5,503 |
| Premises and equipment expense | $301,000 | 5,952 |
| Additional noninterest expense | $783,000 | 6,181 |
| Pre-tax net operating income | $1,076,000 | 5,349 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $404,000 | 4,753 |
| Income before extraordinary items | $674,000 | 6,073 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $674,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $672,720 | 5,743 |
* 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.