Home > The Salt Creek Valley Bank > Income and Expense
The Salt Creek Valley Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,096,000 | 7,502 |
| Total interest expense | $322,000 | 7,831 |
| Net interest income | $774,000 | 7,159 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $206,000 | 5,511 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $152,000 | 4,063 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $54,000 | 6,160 |
| Total noninterest expense | $735,000 | 6,991 |
| Salaries and employee benefits | $352,000 | 7,270 |
| Premises and equipment expense | $113,000 | 6,511 |
| Additional noninterest expense | $270,000 | 6,398 |
| Pre-tax net operating income | $245,000 | 6,383 |
| Securities gains (losses) | $-14,000 | 8,066 |
| Applicable income taxes | $71,000 | 4,465 |
| Income before extraordinary items | $160,000 | 6,662 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $160,000 | 6,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,655 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $169,660 | 6,589 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $541,000 | 7,554 |
| Total interest expense | $158,000 | 7,884 |
| Net interest income | $383,000 | 7,201 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $101,000 | 5,536 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $73,000 | 4,079 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $365,000 | 7,043 |
| Salaries and employee benefits | $175,000 | 7,323 |
| Premises and equipment expense | $58,000 | 6,480 |
| Additional noninterest expense | $132,000 | 6,458 |
| Pre-tax net operating income | $119,000 | 6,437 |
| Securities gains (losses) | $-14,000 | 8,315 |
| Applicable income taxes | $30,000 | 4,619 |
| Income before extraordinary items | $75,000 | 6,786 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $75,000 | 6,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $84,940 | 6,626 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,988,000 | 7,553 |
| Total interest expense | $533,000 | 7,858 |
| Net interest income | $1,455,000 | 7,234 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $382,000 | 5,700 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $308,000 | 4,079 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $74,000 | 6,786 |
| Total noninterest expense | $1,430,000 | 7,018 |
| Salaries and employee benefits | $690,000 | 7,314 |
| Premises and equipment expense | $203,000 | 6,704 |
| Additional noninterest expense | $537,000 | 6,371 |
| Pre-tax net operating income | $407,000 | 6,767 |
| Securities gains (losses) | $2,000 | 1,439 |
| Applicable income taxes | $125,000 | 4,780 |
| Income before extraordinary items | $284,000 | 6,975 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $284,000 | 6,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,207 |
| Cash dividends | $180,000 | 5,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $282,620 | 6,979 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,462,000 | 7,633 |
| Total interest expense | $380,000 | 7,935 |
| Net interest income | $1,082,000 | 7,323 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $283,000 | 5,760 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $227,000 | 4,144 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,781 |
| Total noninterest expense | $1,084,000 | 6,993 |
| Salaries and employee benefits | $505,000 | 7,349 |
| Premises and equipment expense | $167,000 | 6,509 |
| Additional noninterest expense | $412,000 | 6,310 |
| Pre-tax net operating income | $281,000 | 7,092 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $85,000 | 5,067 |
| Income before extraordinary items | $196,000 | 7,244 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $196,000 | 7,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,411 |
| Cash dividends | $90,000 | 4,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $196,000 | 7,242 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $953,000 | 7,677 |
| Total interest expense | $237,000 | 7,997 |
| Net interest income | $716,000 | 7,393 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $183,000 | 5,824 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $146,000 | 4,196 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 6,841 |
| Total noninterest expense | $709,000 | 7,069 |
| Salaries and employee benefits | $344,000 | 7,337 |
| Premises and equipment expense | $100,000 | 6,762 |
| Additional noninterest expense | $265,000 | 6,425 |
| Pre-tax net operating income | $190,000 | 7,142 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $57,000 | 5,132 |
| Income before extraordinary items | $133,000 | 7,282 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $133,000 | 7,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,703 |
| Cash dividends | $90,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $133,000 | 7,291 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $469,000 | 7,714 |
| Total interest expense | $110,000 | 8,055 |
| Net interest income | $359,000 | 7,405 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $91,000 | 5,791 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $73,000 | 4,136 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 6,859 |
| Total noninterest expense | $359,000 | 7,053 |
| Salaries and employee benefits | $169,000 | 7,390 |
| Premises and equipment expense | $51,000 | 6,714 |
| Additional noninterest expense | $139,000 | 6,274 |
| Pre-tax net operating income | $91,000 | 7,154 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $27,000 | 5,120 |
| Income before extraordinary items | $64,000 | 7,292 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $64,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,748 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $64,000 | 7,298 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,768,000 | 7,664 |
| Total interest expense | $336,000 | 8,097 |
| Net interest income | $1,432,000 | 7,386 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $329,000 | 6,141 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $247,000 | 4,597 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $82,000 | 6,710 |
| Total noninterest expense | $1,355,000 | 7,134 |
| Salaries and employee benefits | $659,000 | 7,412 |
| Premises and equipment expense | $196,000 | 6,761 |
| Additional noninterest expense | $500,000 | 6,581 |
| Pre-tax net operating income | $406,000 | 7,048 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $124,000 | 5,189 |
| Income before extraordinary items | $282,000 | 7,255 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $282,000 | 7,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $180,000 | 5,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $282,000 | 7,243 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,301,000 | 7,710 |
| Total interest expense | $230,000 | 8,180 |
| Net interest income | $1,071,000 | 7,434 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $243,000 | 6,198 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $182,000 | 4,659 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,739 |
| Total noninterest expense | $996,000 | 7,166 |
| Salaries and employee benefits | $490,000 | 7,409 |
| Premises and equipment expense | $147,000 | 6,762 |
| Additional noninterest expense | $359,000 | 6,671 |
| Pre-tax net operating income | $318,000 | 7,129 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $98,000 | 5,267 |
| Income before extraordinary items | $220,000 | 7,338 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $220,000 | 7,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,912 |
| Cash dividends | $90,000 | 4,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $220,000 | 7,308 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $857,000 | 7,726 |
| Total interest expense | $142,000 | 8,213 |
| Net interest income | $715,000 | 7,441 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $162,000 | 6,187 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $121,000 | 4,629 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $41,000 | 6,734 |
| Total noninterest expense | $655,000 | 7,209 |
| Salaries and employee benefits | $326,000 | 7,417 |
| Premises and equipment expense | $99,000 | 6,728 |
| Additional noninterest expense | $230,000 | 6,772 |
| Pre-tax net operating income | $222,000 | 7,083 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $68,000 | 5,247 |
| Income before extraordinary items | $154,000 | 7,314 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $154,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $90,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $154,000 | 7,268 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $425,000 | 7,783 |
| Total interest expense | $67,000 | 8,305 |
| Net interest income | $358,000 | 7,490 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $78,000 | 6,223 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $54,000 | 4,823 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $330,000 | 7,241 |
| Salaries and employee benefits | $164,000 | 7,462 |
| Premises and equipment expense | $52,000 | 6,674 |
| Additional noninterest expense | $114,000 | 6,809 |
| Pre-tax net operating income | $106,000 | 7,134 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $32,000 | 5,242 |
| Income before extraordinary items | $74,000 | 7,345 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $74,000 | 7,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $74,000 | 7,311 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,742,000 | 7,643 |
| Total interest expense | $301,000 | 8,101 |
| Net interest income | $1,441,000 | 7,399 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $262,000 | 6,675 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $203,000 | 5,185 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $59,000 | 7,212 |
| Total noninterest expense | $1,322,000 | 7,223 |
| Salaries and employee benefits | $654,000 | 7,460 |
| Premises and equipment expense | $189,000 | 6,876 |
| Additional noninterest expense | $479,000 | 6,674 |
| Pre-tax net operating income | $381,000 | 7,154 |
| Securities gains (losses) | $6,000 | 3,079 |
| Applicable income taxes | $116,000 | 5,364 |
| Income before extraordinary items | $271,000 | 7,341 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $271,000 | 7,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $180,000 | 4,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $266,800 | 7,315 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,313,000 | 7,669 |
| Total interest expense | $231,000 | 8,084 |
| Net interest income | $1,082,000 | 7,407 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $197,000 | 6,703 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $154,000 | 5,204 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 7,253 |
| Total noninterest expense | $983,000 | 7,207 |
| Salaries and employee benefits | $488,000 | 7,403 |
| Premises and equipment expense | $142,000 | 6,853 |
| Additional noninterest expense | $353,000 | 6,689 |
| Pre-tax net operating income | $296,000 | 7,235 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $91,000 | 5,444 |
| Income before extraordinary items | $210,000 | 7,417 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $210,000 | 7,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $90,000 | 4,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $206,500 | 7,380 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $870,000 | 7,728 |
| Total interest expense | $156,000 | 8,135 |
| Net interest income | $714,000 | 7,462 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $131,000 | 6,749 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $102,000 | 5,219 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $29,000 | 7,273 |
| Total noninterest expense | $651,000 | 7,275 |
| Salaries and employee benefits | $322,000 | 7,485 |
| Premises and equipment expense | $94,000 | 6,920 |
| Additional noninterest expense | $235,000 | 6,722 |
| Pre-tax net operating income | $194,000 | 7,232 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $59,000 | 5,455 |
| Income before extraordinary items | $136,000 | 7,454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $136,000 | 7,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $90,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $135,300 | 7,392 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $434,000 | 7,770 |
| Total interest expense | $79,000 | 8,191 |
| Net interest income | $355,000 | 7,507 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $70,000 | 6,568 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $57,000 | 4,910 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $13,000 | 7,451 |
| Total noninterest expense | $312,000 | 7,417 |
| Salaries and employee benefits | $159,000 | 7,560 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $113,000 | 6,847 |
| Pre-tax net operating income | $113,000 | 6,952 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $35,000 | 5,238 |
| Income before extraordinary items | $78,000 | 7,263 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $78,000 | 7,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $78,000 | 7,179 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,841,000 | 7,715 |
| Total interest expense | $464,000 | 7,874 |
| Net interest income | $1,377,000 | 7,533 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $215,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $159,000 | 5,757 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $56,000 | 7,407 |
| Total noninterest expense | $1,165,000 | 7,546 |
| Salaries and employee benefits | $573,000 | 7,808 |
| Premises and equipment expense | $169,000 | 7,147 |
| Additional noninterest expense | $423,000 | 7,017 |
| Pre-tax net operating income | $427,000 | 6,930 |
| Securities gains (losses) | $53,000 | 2,465 |
| Applicable income taxes | $151,000 | 5,268 |
| Income before extraordinary items | $329,000 | 7,139 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $329,000 | 7,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $180,000 | 5,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $292,430 | 7,168 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,395,000 | 7,793 |
| Total interest expense | $376,000 | 7,878 |
| Net interest income | $1,019,000 | 7,622 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $162,000 | 7,257 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $119,000 | 5,805 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 7,425 |
| Total noninterest expense | $865,000 | 7,555 |
| Salaries and employee benefits | $417,000 | 7,848 |
| Premises and equipment expense | $129,000 | 7,135 |
| Additional noninterest expense | $319,000 | 6,981 |
| Pre-tax net operating income | $316,000 | 7,092 |
| Securities gains (losses) | $53,000 | 2,264 |
| Applicable income taxes | $118,000 | 5,387 |
| Income before extraordinary items | $251,000 | 7,247 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $251,000 | 7,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $90,000 | 4,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $214,960 | 7,338 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $934,000 | 7,836 |
| Total interest expense | $269,000 | 7,869 |
| Net interest income | $665,000 | 7,698 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $110,000 | 7,225 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $80,000 | 5,768 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $30,000 | 7,328 |
| Total noninterest expense | $570,000 | 7,599 |
| Salaries and employee benefits | $273,000 | 7,911 |
| Premises and equipment expense | $86,000 | 7,125 |
| Additional noninterest expense | $211,000 | 7,001 |
| Pre-tax net operating income | $205,000 | 7,171 |
| Securities gains (losses) | $21,000 | 2,589 |
| Applicable income taxes | $73,000 | 5,513 |
| Income before extraordinary items | $153,000 | 7,421 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $153,000 | 7,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $90,000 | 4,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $138,720 | 7,392 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $468,000 | 7,881 |
| Total interest expense | $140,000 | 7,885 |
| Net interest income | $328,000 | 7,746 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $50,000 | 7,354 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $287,000 | 7,618 |
| Salaries and employee benefits | $137,000 | 7,938 |
| Premises and equipment expense | $43,000 | 7,175 |
| Additional noninterest expense | $107,000 | 6,979 |
| Pre-tax net operating income | $91,000 | 7,328 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $28,000 | 5,789 |
| Income before extraordinary items | $63,000 | 7,631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $63,000 | 7,480 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,999,000 | 7,849 |
| Total interest expense | $674,000 | 7,885 |
| Net interest income | $1,325,000 | 7,727 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $220,000 | 7,111 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $165,000 | 5,650 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $55,000 | 7,472 |
| Total noninterest expense | $1,069,000 | 7,785 |
| Salaries and employee benefits | $524,000 | 8,044 |
| Premises and equipment expense | $146,000 | 7,500 |
| Additional noninterest expense | $399,000 | 7,157 |
| Pre-tax net operating income | $476,000 | 6,859 |
| Securities gains (losses) | $26,000 | 2,961 |
| Applicable income taxes | $155,000 | 5,481 |
| Income before extraordinary items | $347,000 | 7,087 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $347,000 | 7,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,276 |
| Cash dividends | $90,000 | 5,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $329,060 | 7,075 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,225,000 | 8,006 |
| Total interest expense | $958,000 | 8,106 |
| Net interest income | $1,267,000 | 7,749 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $179,000 | 7,533 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $133,000 | 6,039 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $46,000 | 7,791 |
| Total noninterest expense | $971,000 | 8,034 |
| Salaries and employee benefits | $469,000 | 8,317 |
| Premises and equipment expense | $128,000 | 7,879 |
| Additional noninterest expense | $374,000 | 7,332 |
| Pre-tax net operating income | $475,000 | 6,653 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $143,000 | 5,525 |
| Income before extraordinary items | $332,000 | 6,941 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $332,000 | 6,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $332,000 | 6,824 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,214,000 | 8,214 |
| Total interest expense | $859,000 | 8,516 |
| Net interest income | $1,355,000 | 7,746 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $171,000 | 7,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,092 |
| Total noninterest expense | $906,000 | 8,286 |
| Salaries and employee benefits | $437,000 | 8,569 |
| Premises and equipment expense | $120,000 | 8,101 |
| Additional noninterest expense | $349,000 | 7,557 |
| Pre-tax net operating income | $620,000 | 6,508 |
| Securities gains (losses) | $-63,000 | 9,276 |
| Applicable income taxes | $159,000 | 5,816 |
| Income before extraordinary items | $398,000 | 6,871 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $398,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $442,730 | 6,634 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,116,000 | 8,368 |
| Total interest expense | $835,000 | 8,602 |
| Net interest income | $1,281,000 | 8,027 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $145,000 | 8,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 6,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,414 |
| Total noninterest expense | $960,000 | 8,236 |
| Salaries and employee benefits | $482,000 | 8,450 |
| Premises and equipment expense | $132,000 | 7,994 |
| Additional noninterest expense | $346,000 | 7,734 |
| Pre-tax net operating income | $466,000 | 7,293 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $138,000 | 6,424 |
| Income before extraordinary items | $328,000 | 7,409 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $328,000 | 7,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $1,590,000 | 1,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $328,000 | 7,385 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,099,000 | 8,563 |
| Total interest expense | $845,000 | 8,821 |
| Net interest income | $1,254,000 | 8,215 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $139,000 | 8,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,990 |
| Total noninterest expense | $977,000 | 8,183 |
| Salaries and employee benefits | $520,000 | 8,233 |
| Premises and equipment expense | $122,000 | 8,215 |
| Additional noninterest expense | $335,000 | 7,785 |
| Pre-tax net operating income | $416,000 | 7,783 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $103,000 | 7,481 |
| Income before extraordinary items | $315,000 | 7,765 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $315,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,026 |
| Cash dividends | $195,000 | 5,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $313,500 | 7,691 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,095,000 | 8,892 |
| Total interest expense | $909,000 | 8,942 |
| Net interest income | $1,186,000 | 8,712 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $114,000 | 9,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,733 |
| Total noninterest expense | $1,095,000 | 8,022 |
| Salaries and employee benefits | $522,000 | 8,444 |
| Premises and equipment expense | $171,000 | 7,366 |
| Additional noninterest expense | $402,000 | 7,336 |
| Pre-tax net operating income | $206,000 | 9,542 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $39,000 | 9,426 |
| Income before extraordinary items | $169,000 | 9,411 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $169,000 | 9,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,899 |
| Cash dividends | $120,000 | 6,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $166,570 | 9,389 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,380,000 | 8,858 |
| Total interest expense | $1,036,000 | 8,891 |
| Net interest income | $1,344,000 | 8,657 |
| Provision for loan and lease losses | $1,000 | 9,010 |
| Total noninterest income | $107,000 | 9,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,618 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,929 |
| Total noninterest expense | $1,068,000 | 8,448 |
| Salaries and employee benefits | $494,000 | 8,933 |
| Premises and equipment expense | $134,000 | 8,428 |
| Additional noninterest expense | $440,000 | 7,546 |
| Pre-tax net operating income | $382,000 | 8,619 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $102,000 | 8,721 |
| Income before extraordinary items | $280,000 | 8,587 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $280,000 | 8,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,083 |
| Cash dividends | $143,000 | 6,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $280,000 | 8,519 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,417,000 | 9,094 |
| Total interest expense | $1,001,000 | 9,253 |
| Net interest income | $1,416,000 | 8,752 |
| Provision for loan and lease losses | $437,000 | 1,747 |
| Total noninterest income | $110,000 | 10,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 8,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,186 |
| Total noninterest expense | $891,000 | 9,382 |
| Salaries and employee benefits | $447,000 | 9,558 |
| Premises and equipment expense | $124,000 | 8,943 |
| Additional noninterest expense | $320,000 | 9,033 |
| Pre-tax net operating income | $198,000 | 10,473 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $-75,000 | 11,681 |
| Income before extraordinary items | $265,000 | 9,270 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $265,000 | 9,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $140,000 | 6,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $273,000 | 9,166 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,009,000 | 9,787 |
| Total interest expense | $785,000 | 9,678 |
| Net interest income | $1,224,000 | 9,695 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $92,000 | 10,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,316 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,719 |
| Total noninterest expense | $781,000 | 10,325 |
| Salaries and employee benefits | $370,000 | 10,545 |
| Premises and equipment expense | $113,000 | 9,600 |
| Additional noninterest expense | $298,000 | 9,987 |
| Pre-tax net operating income | $517,000 | 8,546 |
| Securities gains (losses) | $-8,000 | 9,681 |
| Applicable income taxes | $99,000 | 9,383 |
| Income before extraordinary items | $410,000 | 8,109 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $410,000 | 8,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $165,000 | 5,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $416,480 | 8,079 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,913,000 | 10,356 |
| Total interest expense | $819,000 | 9,936 |
| Net interest income | $1,094,000 | 10,431 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $87,000 | 11,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,646 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $696,000 | 11,191 |
| Salaries and employee benefits | $311,000 | 11,542 |
| Premises and equipment expense | $106,000 | 10,264 |
| Additional noninterest expense | $279,000 | 10,702 |
| Pre-tax net operating income | $473,000 | 8,836 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $84,000 | 10,123 |
| Income before extraordinary items | $391,000 | 8,526 |
| Extraordinary gains, net | $26,000 | 2,568 |
| Net income | $417,000 | 8,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 11,785 |
| Cash dividends | $90,000 | 7,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $389,360 | 8,277 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,052,000 | 10,799 |
| Total interest expense | $1,001,000 | 10,382 |
| Net interest income | $1,051,000 | 10,887 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $91,000 | 11,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 12,017 |
| Total noninterest expense | $639,000 | 11,828 |
| Salaries and employee benefits | $305,000 | 11,960 |
| Premises and equipment expense | $88,000 | 11,176 |
| Additional noninterest expense | $246,000 | 11,589 |
| Pre-tax net operating income | $453,000 | 8,778 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $84,000 | 10,333 |
| Income before extraordinary items | $369,000 | 8,517 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $369,000 | 8,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 8,990 |
| Cash dividends | $90,000 | 6,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $369,000 | 8,160 |
* 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.