Home > The Signature Bank > Income and Expense
The Signature Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $21,652,000 | 989 |
| Total interest expense | $9,555,000 | 1,032 |
| Net interest income | $12,097,000 | 930 |
| Provision for loan and lease losses | $2,538,000 | 267 |
| Total noninterest income | $1,744,000 | 1,483 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $297,000 | 2,679 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,447,000 | 1,073 |
| Total noninterest expense | $6,327,000 | 1,451 |
| Salaries and employee benefits | $4,143,000 | 1,228 |
| Premises and equipment expense | $715,000 | 1,838 |
| Additional noninterest expense | $1,469,000 | 1,844 |
| Pre-tax net operating income | $4,976,000 | 964 |
| Securities gains (losses) | $7,000 | 933 |
| Applicable income taxes | $1,920,000 | 754 |
| Income before extraordinary items | $3,063,000 | 1,164 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,063,000 | 1,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 7,920 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,058,520 | 1,149 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,333,000 | 1,998 |
| Total interest expense | $2,649,000 | 1,860 |
| Net interest income | $2,684,000 | 2,160 |
| Provision for loan and lease losses | $1,437,000 | 223 |
| Total noninterest income | $431,000 | 2,436 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $79,000 | 3,930 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $352,000 | 1,746 |
| Total noninterest expense | $1,527,000 | 2,939 |
| Salaries and employee benefits | $1,103,000 | 2,328 |
| Premises and equipment expense | $168,000 | 3,579 |
| Additional noninterest expense | $256,000 | 4,457 |
| Pre-tax net operating income | $151,000 | 6,053 |
| Securities gains (losses) | $12,000 | 661 |
| Applicable income taxes | $60,000 | 3,913 |
| Income before extraordinary items | $103,000 | 6,350 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $103,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $95,320 | 6,453 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $56,893,000 | 679 |
| Total interest expense | $25,965,000 | 654 |
| Net interest income | $30,928,000 | 708 |
| Provision for loan and lease losses | $905,000 | 1,133 |
| Total noninterest income | $4,387,000 | 1,218 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $905,000 | 1,905 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,482,000 | 903 |
| Total noninterest expense | $17,519,000 | 1,026 |
| Salaries and employee benefits | $11,719,000 | 810 |
| Premises and equipment expense | $1,910,000 | 1,353 |
| Additional noninterest expense | $3,890,000 | 1,364 |
| Pre-tax net operating income | $16,891,000 | 621 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $6,523,000 | 525 |
| Income before extraordinary items | $10,366,000 | 714 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $10,366,000 | 714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $1,476,000 | 1,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $10,367,280 | 705 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $41,207,000 | 704 |
| Total interest expense | $18,308,000 | 680 |
| Net interest income | $22,899,000 | 734 |
| Provision for loan and lease losses | $779,000 | 968 |
| Total noninterest income | $3,238,000 | 1,241 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $677,000 | 1,907 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,561,000 | 929 |
| Total noninterest expense | $12,983,000 | 1,049 |
| Salaries and employee benefits | $8,654,000 | 840 |
| Premises and equipment expense | $1,461,000 | 1,337 |
| Additional noninterest expense | $2,868,000 | 1,386 |
| Pre-tax net operating income | $12,375,000 | 652 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $4,779,000 | 559 |
| Income before extraordinary items | $7,594,000 | 769 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,594,000 | 768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,433 |
| Cash dividends | $1,086,000 | 1,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $7,595,280 | 759 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $25,987,000 | 730 |
| Total interest expense | $11,259,000 | 698 |
| Net interest income | $14,728,000 | 764 |
| Provision for loan and lease losses | $514,000 | 951 |
| Total noninterest income | $2,313,000 | 1,175 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $465,000 | 1,849 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,848,000 | 878 |
| Total noninterest expense | $8,520,000 | 1,058 |
| Salaries and employee benefits | $5,667,000 | 865 |
| Premises and equipment expense | $962,000 | 1,347 |
| Additional noninterest expense | $1,891,000 | 1,407 |
| Pre-tax net operating income | $8,007,000 | 674 |
| Securities gains (losses) | $-1,000 | 7,450 |
| Applicable income taxes | $3,106,000 | 577 |
| Income before extraordinary items | $4,900,000 | 795 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,900,000 | 795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,294 |
| Cash dividends | $707,000 | 1,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,900,640 | 784 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,330,000 | 747 |
| Total interest expense | $5,238,000 | 706 |
| Net interest income | $7,092,000 | 791 |
| Provision for loan and lease losses | $178,000 | 1,250 |
| Total noninterest income | $1,047,000 | 1,240 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $234,000 | 1,791 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $813,000 | 950 |
| Total noninterest expense | $4,229,000 | 1,069 |
| Salaries and employee benefits | $2,852,000 | 861 |
| Premises and equipment expense | $474,000 | 1,370 |
| Additional noninterest expense | $903,000 | 1,460 |
| Pre-tax net operating income | $3,732,000 | 712 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,480,000 | 599 |
| Income before extraordinary items | $2,252,000 | 842 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,252,000 | 841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,499 |
| Cash dividends | $325,000 | 1,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,252,000 | 828 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $42,140,000 | 762 |
| Total interest expense | $16,223,000 | 704 |
| Net interest income | $25,917,000 | 827 |
| Provision for loan and lease losses | $874,000 | 1,179 |
| Total noninterest income | $4,740,000 | 1,130 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,036,000 | 1,670 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,704,000 | 862 |
| Total noninterest expense | $16,474,000 | 1,035 |
| Salaries and employee benefits | $10,751,000 | 851 |
| Premises and equipment expense | $1,880,000 | 1,310 |
| Additional noninterest expense | $3,843,000 | 1,330 |
| Pre-tax net operating income | $13,309,000 | 746 |
| Securities gains (losses) | $-9,000 | 7,501 |
| Applicable income taxes | $5,002,000 | 643 |
| Income before extraordinary items | $8,298,000 | 868 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,298,000 | 869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 1,731 |
| Cash dividends | $1,142,000 | 2,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,303,760 | 855 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $30,351,000 | 772 |
| Total interest expense | $11,499,000 | 702 |
| Net interest income | $18,852,000 | 838 |
| Provision for loan and lease losses | $560,000 | 1,266 |
| Total noninterest income | $3,573,000 | 1,131 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $788,000 | 1,636 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,785,000 | 864 |
| Total noninterest expense | $11,734,000 | 1,074 |
| Salaries and employee benefits | $7,718,000 | 872 |
| Premises and equipment expense | $1,347,000 | 1,357 |
| Additional noninterest expense | $2,669,000 | 1,422 |
| Pre-tax net operating income | $10,131,000 | 731 |
| Securities gains (losses) | $-9,000 | 7,876 |
| Applicable income taxes | $3,783,000 | 645 |
| Income before extraordinary items | $6,339,000 | 849 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,339,000 | 850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 1,683 |
| Cash dividends | $834,000 | 2,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,344,760 | 832 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,322,000 | 796 |
| Total interest expense | $7,186,000 | 700 |
| Net interest income | $12,136,000 | 860 |
| Provision for loan and lease losses | $560,000 | 881 |
| Total noninterest income | $2,258,000 | 1,158 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $510,000 | 1,649 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,748,000 | 895 |
| Total noninterest expense | $7,367,000 | 1,147 |
| Salaries and employee benefits | $4,720,000 | 949 |
| Premises and equipment expense | $884,000 | 1,370 |
| Additional noninterest expense | $1,763,000 | 1,417 |
| Pre-tax net operating income | $6,467,000 | 749 |
| Securities gains (losses) | $-8,000 | 8,078 |
| Applicable income taxes | $2,480,000 | 645 |
| Income before extraordinary items | $3,979,000 | 875 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,979,000 | 875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,512 |
| Cash dividends | $548,000 | 2,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,984,120 | 853 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,036,000 | 834 |
| Total interest expense | $3,270,000 | 733 |
| Net interest income | $5,766,000 | 904 |
| Provision for loan and lease losses | $238,000 | 973 |
| Total noninterest income | $976,000 | 1,268 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $227,000 | 1,780 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $749,000 | 997 |
| Total noninterest expense | $3,519,000 | 1,203 |
| Salaries and employee benefits | $2,204,000 | 1,018 |
| Premises and equipment expense | $424,000 | 1,433 |
| Additional noninterest expense | $891,000 | 1,398 |
| Pre-tax net operating income | $2,985,000 | 793 |
| Securities gains (losses) | $-1,000 | 8,158 |
| Applicable income taxes | $1,126,000 | 697 |
| Income before extraordinary items | $1,858,000 | 936 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,858,000 | 936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,985 |
| Cash dividends | $292,000 | 1,816 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,858,640 | 915 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $30,670,000 | 914 |
| Total interest expense | $10,612,000 | 778 |
| Net interest income | $20,058,000 | 988 |
| Provision for loan and lease losses | $745,000 | 1,381 |
| Total noninterest income | $4,727,000 | 1,136 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $969,000 | 1,815 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,758,000 | 831 |
| Total noninterest expense | $15,401,000 | 1,047 |
| Salaries and employee benefits | $9,390,000 | 919 |
| Premises and equipment expense | $1,690,000 | 1,371 |
| Additional noninterest expense | $4,321,000 | 1,143 |
| Pre-tax net operating income | $8,639,000 | 1,011 |
| Securities gains (losses) | $-219,000 | 8,810 |
| Applicable income taxes | $3,370,000 | 828 |
| Income before extraordinary items | $5,050,000 | 1,292 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,050,000 | 1,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,523 |
| Cash dividends | $1,868,000 | 1,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,190,160 | 1,220 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,104,000 | 943 |
| Total interest expense | $7,664,000 | 786 |
| Net interest income | $14,440,000 | 1,026 |
| Provision for loan and lease losses | $700,000 | 1,082 |
| Total noninterest income | $3,774,000 | 1,080 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $775,000 | 1,719 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,999,000 | 800 |
| Total noninterest expense | $11,117,000 | 1,085 |
| Salaries and employee benefits | $6,701,000 | 949 |
| Premises and equipment expense | $1,269,000 | 1,366 |
| Additional noninterest expense | $3,147,000 | 1,158 |
| Pre-tax net operating income | $6,397,000 | 1,030 |
| Securities gains (losses) | $-185,000 | 8,932 |
| Applicable income taxes | $2,508,000 | 852 |
| Income before extraordinary items | $3,704,000 | 1,332 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,704,000 | 1,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,215 |
| Cash dividends | $310,000 | 3,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,822,400 | 1,254 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,599,000 | 1,843 |
| Total interest expense | $2,590,000 | 1,534 |
| Net interest income | $5,009,000 | 1,987 |
| Provision for loan and lease losses | $232,000 | 1,966 |
| Total noninterest income | $863,000 | 2,459 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $231,000 | 3,319 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $632,000 | 1,849 |
| Total noninterest expense | $3,020,000 | 2,594 |
| Salaries and employee benefits | $1,779,000 | 2,412 |
| Premises and equipment expense | $406,000 | 2,752 |
| Additional noninterest expense | $835,000 | 2,816 |
| Pre-tax net operating income | $2,620,000 | 1,600 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,020,000 | 1,260 |
| Income before extraordinary items | $1,600,000 | 1,956 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,600,000 | 1,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,384 |
| Cash dividends | $204,000 | 3,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,600,000 | 1,904 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,792,000 | 1,852 |
| Total interest expense | $1,273,000 | 1,579 |
| Net interest income | $2,519,000 | 1,979 |
| Provision for loan and lease losses | $170,000 | 1,314 |
| Total noninterest income | $361,000 | 2,727 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $114,000 | 3,270 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $247,000 | 2,149 |
| Total noninterest expense | $1,535,000 | 2,577 |
| Salaries and employee benefits | $921,000 | 2,356 |
| Premises and equipment expense | $202,000 | 2,787 |
| Additional noninterest expense | $412,000 | 2,828 |
| Pre-tax net operating income | $1,175,000 | 1,759 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $462,000 | 1,381 |
| Income before extraordinary items | $713,000 | 2,135 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $713,000 | 2,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $121,000 | 2,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $713,000 | 2,058 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,107,000 | 2,009 |
| Total interest expense | $5,458,000 | 1,659 |
| Net interest income | $8,649,000 | 2,240 |
| Provision for loan and lease losses | $772,000 | 1,511 |
| Total noninterest income | $2,133,000 | 2,216 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $474,000 | 3,234 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,659,000 | 1,686 |
| Total noninterest expense | $5,828,000 | 2,661 |
| Salaries and employee benefits | $3,516,000 | 2,393 |
| Premises and equipment expense | $726,000 | 2,992 |
| Additional noninterest expense | $1,586,000 | 2,922 |
| Pre-tax net operating income | $4,182,000 | 1,908 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,645,000 | 1,489 |
| Income before extraordinary items | $2,537,000 | 2,346 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,537,000 | 2,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,664 |
| Cash dividends | $899,000 | 2,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,537,000 | 2,235 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,469,000 | 2,070 |
| Total interest expense | $4,224,000 | 1,677 |
| Net interest income | $6,245,000 | 2,340 |
| Provision for loan and lease losses | $572,000 | 1,478 |
| Total noninterest income | $1,761,000 | 2,101 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $347,000 | 3,297 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,414,000 | 1,588 |
| Total noninterest expense | $4,095,000 | 2,836 |
| Salaries and employee benefits | $2,393,000 | 2,632 |
| Premises and equipment expense | $489,000 | 3,280 |
| Additional noninterest expense | $1,213,000 | 2,858 |
| Pre-tax net operating income | $3,339,000 | 1,869 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,313,000 | 1,485 |
| Income before extraordinary items | $2,026,000 | 2,302 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,026,000 | 2,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,273 |
| Cash dividends | $152,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,026,000 | 2,191 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,836,000 | 2,126 |
| Total interest expense | $2,905,000 | 1,681 |
| Net interest income | $3,931,000 | 2,474 |
| Provision for loan and lease losses | $513,000 | 1,121 |
| Total noninterest income | $1,105,000 | 2,192 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $230,000 | 3,273 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $875,000 | 1,669 |
| Total noninterest expense | $2,676,000 | 2,886 |
| Salaries and employee benefits | $1,550,000 | 2,706 |
| Premises and equipment expense | $321,000 | 3,306 |
| Additional noninterest expense | $805,000 | 2,855 |
| Pre-tax net operating income | $1,847,000 | 2,184 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $727,000 | 1,764 |
| Income before extraordinary items | $1,120,000 | 2,726 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,120,000 | 2,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,691 |
| Cash dividends | $127,000 | 4,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,120,000 | 2,573 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,316,000 | 2,218 |
| Total interest expense | $1,457,000 | 1,716 |
| Net interest income | $1,859,000 | 2,606 |
| Provision for loan and lease losses | $302,000 | 906 |
| Total noninterest income | $497,000 | 2,289 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $106,000 | 3,394 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $391,000 | 1,766 |
| Total noninterest expense | $1,319,000 | 2,899 |
| Salaries and employee benefits | $765,000 | 2,716 |
| Premises and equipment expense | $158,000 | 3,343 |
| Additional noninterest expense | $396,000 | 2,888 |
| Pre-tax net operating income | $735,000 | 2,643 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $289,000 | 2,111 |
| Income before extraordinary items | $446,000 | 3,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $446,000 | 3,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,009 |
| Cash dividends | $55,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $446,000 | 3,035 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,235,000 | 2,519 |
| Total interest expense | $5,799,000 | 1,957 |
| Net interest income | $6,436,000 | 2,960 |
| Provision for loan and lease losses | $794,000 | 1,643 |
| Total noninterest income | $1,125,000 | 3,201 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $363,000 | 3,773 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $762,000 | 2,575 |
| Total noninterest expense | $4,482,000 | 3,233 |
| Salaries and employee benefits | $2,606,000 | 3,017 |
| Premises and equipment expense | $652,000 | 3,175 |
| Additional noninterest expense | $1,224,000 | 3,556 |
| Pre-tax net operating income | $2,285,000 | 3,089 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $908,000 | 2,378 |
| Income before extraordinary items | $1,377,000 | 3,733 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,377,000 | 3,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,681 |
| Cash dividends | $184,000 | 4,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,377,000 | 3,619 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,856,000 | 2,652 |
| Total interest expense | $7,260,000 | 2,210 |
| Net interest income | $5,596,000 | 3,129 |
| Provision for loan and lease losses | $643,000 | 1,796 |
| Total noninterest income | $297,000 | 6,454 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $223,000 | 4,903 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $74,000 | 7,023 |
| Total noninterest expense | $4,006,000 | 3,426 |
| Salaries and employee benefits | $2,178,000 | 3,344 |
| Premises and equipment expense | $601,000 | 3,344 |
| Additional noninterest expense | $1,227,000 | 3,426 |
| Pre-tax net operating income | $1,244,000 | 4,343 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $484,000 | 3,374 |
| Income before extraordinary items | $760,000 | 5,015 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $760,000 | 5,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,622 |
| Cash dividends | $306,000 | 4,333 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 404 |
| Net operating income | $760,000 | 4,899 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,979,000 | 3,398 |
| Total interest expense | $5,334,000 | 3,130 |
| Net interest income | $4,645,000 | 3,699 |
| Provision for loan and lease losses | $643,000 | 1,521 |
| Total noninterest income | $199,000 | 7,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,497 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 8,541 |
| Total noninterest expense | $3,064,000 | 4,158 |
| Salaries and employee benefits | $1,732,000 | 3,894 |
| Premises and equipment expense | $381,000 | 4,658 |
| Additional noninterest expense | $951,000 | 4,147 |
| Pre-tax net operating income | $1,137,000 | 4,889 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $450,000 | 3,734 |
| Income before extraordinary items | $687,000 | 5,476 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $687,000 | 5,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,531 |
| Cash dividends | $151,000 | 5,471 |
| Sale, conversion, retirement of capital stock, net | $4,067,000 | 250 |
| Net operating income | $687,000 | 5,475 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,474,000 | 4,693 |
| Total interest expense | $3,336,000 | 4,214 |
| Net interest income | $3,138,000 | 4,998 |
| Provision for loan and lease losses | $420,000 | 2,015 |
| Total noninterest income | $147,000 | 8,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 6,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,087 |
| Total noninterest expense | $2,133,000 | 5,425 |
| Salaries and employee benefits | $1,127,000 | 5,408 |
| Premises and equipment expense | $320,000 | 5,276 |
| Additional noninterest expense | $686,000 | 5,317 |
| Pre-tax net operating income | $732,000 | 6,201 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $250,000 | 5,204 |
| Income before extraordinary items | $482,000 | 6,536 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $482,000 | 6,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,328 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 573 |
| Net operating income | $482,000 | 6,518 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,907,000 | 5,757 |
| Total interest expense | $2,586,000 | 5,240 |
| Net interest income | $2,321,000 | 6,102 |
| Provision for loan and lease losses | $520,000 | 1,672 |
| Total noninterest income | $91,000 | 9,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 7,338 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,838 |
| Total noninterest expense | $1,770,000 | 6,064 |
| Salaries and employee benefits | $899,000 | 6,213 |
| Premises and equipment expense | $227,000 | 6,307 |
| Additional noninterest expense | $644,000 | 5,480 |
| Pre-tax net operating income | $122,000 | 9,323 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $28,000 | 8,740 |
| Income before extraordinary items | $94,000 | 9,377 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $94,000 | 9,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,600,000 | 412 |
| Net operating income | $94,000 | 9,314 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,238,000 | 10,011 |
| Total interest expense | $620,000 | 9,769 |
| Net interest income | $618,000 | 10,144 |
| Provision for loan and lease losses | $119,000 | 4,835 |
| Total noninterest income | $39,000 | 10,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 9,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 9,193 |
| Total noninterest expense | $1,002,000 | 8,337 |
| Salaries and employee benefits | $561,000 | 8,182 |
| Premises and equipment expense | $107,000 | 8,804 |
| Additional noninterest expense | $334,000 | 7,966 |
| Pre-tax net operating income | $-464,000 | 10,729 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-142,000 | 10,751 |
| Income before extraordinary items | $-322,000 | 10,683 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-322,000 | 10,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,750,000 | 175 |
| Net operating income | $-322,000 | 10,664 |
* 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.