Home > The Smith County State Bank and Trust Company > Income and Expense
The Smith County State Bank and Trust Company, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $863,000 | 6,549 |
| Total interest expense | $319,000 | 6,719 |
| Net interest income | $544,000 | 6,319 |
| Provision for loan and lease losses | $7,000 | 5,635 |
| Total noninterest income | $463,000 | 2,344 |
| Gross Fiduciary activities income | $387,000 | 324 |
| Service charges on deposit accounts | $25,000 | 5,933 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $51,000 | 5,012 |
| Total noninterest expense | $827,000 | 4,831 |
| Salaries and employee benefits | $461,000 | 4,811 |
| Premises and equipment expense | $46,000 | 6,918 |
| Additional noninterest expense | $320,000 | 3,920 |
| Pre-tax net operating income | $173,000 | 5,212 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $173,000 | 4,979 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $173,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $150,000 | 2,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $173,000 | 4,863 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,276,000 | 6,664 |
| Total interest expense | $1,213,000 | 6,852 |
| Net interest income | $2,063,000 | 6,427 |
| Provision for loan and lease losses | $79,000 | 5,216 |
| Total noninterest income | $1,614,000 | 2,578 |
| Gross Fiduciary activities income | $1,423,000 | 340 |
| Service charges on deposit accounts | $83,000 | 6,262 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $108,000 | 6,097 |
| Total noninterest expense | $2,898,000 | 5,114 |
| Salaries and employee benefits | $1,966,000 | 4,433 |
| Premises and equipment expense | $199,000 | 6,738 |
| Additional noninterest expense | $733,000 | 5,607 |
| Pre-tax net operating income | $700,000 | 5,453 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $23,000 | 5,355 |
| Income before extraordinary items | $679,000 | 5,114 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $679,000 | 5,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 2,418 |
| Cash dividends | $740,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $677,060 | 5,103 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,445,000 | 6,702 |
| Total interest expense | $906,000 | 6,888 |
| Net interest income | $1,539,000 | 6,476 |
| Provision for loan and lease losses | $57,000 | 4,915 |
| Total noninterest income | $1,201,000 | 2,584 |
| Gross Fiduciary activities income | $1,050,000 | 338 |
| Service charges on deposit accounts | $62,000 | 6,296 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $89,000 | 5,996 |
| Total noninterest expense | $2,124,000 | 5,169 |
| Salaries and employee benefits | $1,465,000 | 4,447 |
| Premises and equipment expense | $120,000 | 7,124 |
| Additional noninterest expense | $539,000 | 5,610 |
| Pre-tax net operating income | $559,000 | 5,567 |
| Securities gains (losses) | $2,000 | 1,394 |
| Applicable income taxes | $27,000 | 5,314 |
| Income before extraordinary items | $534,000 | 5,251 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $534,000 | 5,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 1,619 |
| Cash dividends | $610,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $532,100 | 5,237 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,620,000 | 6,753 |
| Total interest expense | $598,000 | 6,917 |
| Net interest income | $1,022,000 | 6,534 |
| Provision for loan and lease losses | $34,000 | 4,801 |
| Total noninterest income | $809,000 | 2,587 |
| Gross Fiduciary activities income | $700,000 | 339 |
| Service charges on deposit accounts | $43,000 | 6,285 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $66,000 | 5,849 |
| Total noninterest expense | $1,427,000 | 5,171 |
| Salaries and employee benefits | $977,000 | 4,487 |
| Premises and equipment expense | $146,000 | 5,893 |
| Additional noninterest expense | $304,000 | 6,081 |
| Pre-tax net operating income | $370,000 | 5,663 |
| Securities gains (losses) | $2,000 | 1,203 |
| Applicable income taxes | $18,000 | 5,393 |
| Income before extraordinary items | $354,000 | 5,322 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $354,000 | 5,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,915 |
| Cash dividends | $480,000 | 2,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $352,100 | 5,321 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $797,000 | 6,825 |
| Total interest expense | $296,000 | 6,944 |
| Net interest income | $501,000 | 6,601 |
| Provision for loan and lease losses | $12,000 | 4,908 |
| Total noninterest income | $416,000 | 2,486 |
| Gross Fiduciary activities income | $350,000 | 342 |
| Service charges on deposit accounts | $22,000 | 6,225 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $44,000 | 5,347 |
| Total noninterest expense | $720,000 | 5,161 |
| Salaries and employee benefits | $485,000 | 4,541 |
| Premises and equipment expense | $40,000 | 7,184 |
| Additional noninterest expense | $195,000 | 5,341 |
| Pre-tax net operating income | $185,000 | 5,650 |
| Securities gains (losses) | $2,000 | 969 |
| Applicable income taxes | $9,000 | 5,389 |
| Income before extraordinary items | $178,000 | 5,309 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $178,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,916 |
| Cash dividends | $350,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $176,100 | 5,320 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,083,000 | 6,716 |
| Total interest expense | $1,057,000 | 6,827 |
| Net interest income | $2,026,000 | 6,529 |
| Provision for loan and lease losses | $24,000 | 6,182 |
| Total noninterest income | $1,613,000 | 2,577 |
| Gross Fiduciary activities income | $1,406,000 | 333 |
| Service charges on deposit accounts | $96,000 | 6,207 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $111,000 | 6,156 |
| Total noninterest expense | $2,847,000 | 5,051 |
| Salaries and employee benefits | $1,931,000 | 4,393 |
| Premises and equipment expense | $197,000 | 6,763 |
| Additional noninterest expense | $719,000 | 5,563 |
| Pre-tax net operating income | $768,000 | 5,734 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $23,000 | 5,876 |
| Income before extraordinary items | $743,000 | 5,373 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $743,000 | 5,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,380 |
| Cash dividends | $745,000 | 3,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $744,940 | 5,364 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,290,000 | 6,778 |
| Total interest expense | $772,000 | 6,859 |
| Net interest income | $1,518,000 | 6,602 |
| Provision for loan and lease losses | $18,000 | 6,058 |
| Total noninterest income | $1,114,000 | 2,730 |
| Gross Fiduciary activities income | $956,000 | 349 |
| Service charges on deposit accounts | $72,000 | 6,280 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $86,000 | 6,103 |
| Total noninterest expense | $2,077,000 | 5,140 |
| Salaries and employee benefits | $1,416,000 | 4,439 |
| Premises and equipment expense | $132,000 | 6,992 |
| Additional noninterest expense | $529,000 | 5,606 |
| Pre-tax net operating income | $537,000 | 6,081 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $25,000 | 5,863 |
| Income before extraordinary items | $510,000 | 5,716 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $510,000 | 5,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $615,000 | 2,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $511,900 | 5,705 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,523,000 | 6,774 |
| Total interest expense | $500,000 | 6,848 |
| Net interest income | $1,023,000 | 6,608 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $764,000 | 2,676 |
| Gross Fiduciary activities income | $637,000 | 353 |
| Service charges on deposit accounts | $48,000 | 6,300 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $79,000 | 5,587 |
| Total noninterest expense | $1,371,000 | 5,195 |
| Salaries and employee benefits | $946,000 | 4,445 |
| Premises and equipment expense | $87,000 | 7,034 |
| Additional noninterest expense | $338,000 | 5,713 |
| Pre-tax net operating income | $404,000 | 5,886 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $17,000 | 5,888 |
| Income before extraordinary items | $385,000 | 5,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $385,000 | 5,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $485,000 | 2,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $386,920 | 5,464 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $757,000 | 6,765 |
| Total interest expense | $244,000 | 6,829 |
| Net interest income | $513,000 | 6,620 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $377,000 | 2,647 |
| Gross Fiduciary activities income | $319,000 | 351 |
| Service charges on deposit accounts | $26,000 | 6,158 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $689,000 | 5,183 |
| Salaries and employee benefits | $467,000 | 4,500 |
| Premises and equipment expense | $40,000 | 7,201 |
| Additional noninterest expense | $182,000 | 5,465 |
| Pre-tax net operating income | $195,000 | 5,895 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $8,000 | 5,862 |
| Income before extraordinary items | $185,000 | 5,511 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $185,000 | 5,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $355,000 | 1,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $186,920 | 5,492 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,870,000 | 6,703 |
| Total interest expense | $899,000 | 6,537 |
| Net interest income | $1,971,000 | 6,670 |
| Provision for loan and lease losses | $24,000 | 6,374 |
| Total noninterest income | $1,598,000 | 2,584 |
| Gross Fiduciary activities income | $1,360,000 | 342 |
| Service charges on deposit accounts | $109,000 | 6,165 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $129,000 | 5,992 |
| Total noninterest expense | $2,764,000 | 5,049 |
| Salaries and employee benefits | $1,836,000 | 4,401 |
| Premises and equipment expense | $207,000 | 6,661 |
| Additional noninterest expense | $721,000 | 5,493 |
| Pre-tax net operating income | $781,000 | 5,929 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $27,000 | 6,197 |
| Income before extraordinary items | $754,000 | 5,495 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $754,000 | 5,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,038 |
| Cash dividends | $690,000 | 3,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $754,000 | 5,464 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 6,711 |
| Total interest expense | $667,000 | 6,482 |
| Net interest income | $1,472,000 | 6,715 |
| Provision for loan and lease losses | $18,000 | 6,207 |
| Total noninterest income | $1,105,000 | 2,721 |
| Gross Fiduciary activities income | $938,000 | 348 |
| Service charges on deposit accounts | $83,000 | 6,179 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $84,000 | 6,220 |
| Total noninterest expense | $2,008,000 | 5,130 |
| Salaries and employee benefits | $1,341,000 | 4,470 |
| Premises and equipment expense | $112,000 | 7,293 |
| Additional noninterest expense | $555,000 | 5,376 |
| Pre-tax net operating income | $551,000 | 6,200 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $25,000 | 6,179 |
| Income before extraordinary items | $526,000 | 5,783 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $526,000 | 5,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,418 |
| Cash dividends | $560,000 | 2,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $526,000 | 5,752 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,430,000 | 6,666 |
| Total interest expense | $442,000 | 6,358 |
| Net interest income | $988,000 | 6,692 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $758,000 | 2,636 |
| Gross Fiduciary activities income | $625,000 | 346 |
| Service charges on deposit accounts | $54,000 | 6,184 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $79,000 | 5,647 |
| Total noninterest expense | $1,310,000 | 5,193 |
| Salaries and employee benefits | $875,000 | 4,515 |
| Premises and equipment expense | $89,000 | 6,941 |
| Additional noninterest expense | $346,000 | 5,570 |
| Pre-tax net operating income | $424,000 | 5,835 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $17,000 | 6,174 |
| Income before extraordinary items | $407,000 | 5,403 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $407,000 | 5,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,599 |
| Cash dividends | $430,000 | 2,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $407,000 | 5,368 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $715,000 | 6,697 |
| Total interest expense | $220,000 | 6,305 |
| Net interest income | $495,000 | 6,739 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $363,000 | 2,663 |
| Gross Fiduciary activities income | $312,000 | 348 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $652,000 | 5,244 |
| Salaries and employee benefits | $421,000 | 4,659 |
| Premises and equipment expense | $41,000 | 7,173 |
| Additional noninterest expense | $190,000 | 5,263 |
| Pre-tax net operating income | $200,000 | 5,958 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $8,000 | 6,187 |
| Income before extraordinary items | $192,000 | 5,518 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $192,000 | 5,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $192,000 | 5,488 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,786,000 | 6,629 |
| Total interest expense | $917,000 | 5,900 |
| Net interest income | $1,869,000 | 6,807 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $1,498,000 | 2,687 |
| Gross Fiduciary activities income | $1,273,000 | 329 |
| Service charges on deposit accounts | $114,000 | 6,273 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $111,000 | 6,236 |
| Total noninterest expense | $2,692,000 | 5,041 |
| Salaries and employee benefits | $1,785,000 | 4,370 |
| Premises and equipment expense | $187,000 | 6,909 |
| Additional noninterest expense | $720,000 | 5,425 |
| Pre-tax net operating income | $651,000 | 6,253 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $30,000 | 6,350 |
| Income before extraordinary items | $620,000 | 5,876 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $620,000 | 5,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $542,000 | 3,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $620,950 | 5,801 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,091,000 | 6,636 |
| Total interest expense | $697,000 | 5,841 |
| Net interest income | $1,394,000 | 6,833 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $1,060,000 | 2,805 |
| Gross Fiduciary activities income | $887,000 | 353 |
| Service charges on deposit accounts | $85,000 | 6,315 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $88,000 | 6,162 |
| Total noninterest expense | $1,974,000 | 5,081 |
| Salaries and employee benefits | $1,312,000 | 4,391 |
| Premises and equipment expense | $136,000 | 6,942 |
| Additional noninterest expense | $526,000 | 5,480 |
| Pre-tax net operating income | $462,000 | 6,494 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $17,000 | 6,595 |
| Income before extraordinary items | $444,000 | 6,091 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $444,000 | 6,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,955 |
| Cash dividends | $432,000 | 2,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $444,960 | 6,009 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,395,000 | 6,678 |
| Total interest expense | $473,000 | 5,807 |
| Net interest income | $922,000 | 6,888 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $738,000 | 2,736 |
| Gross Fiduciary activities income | $591,000 | 351 |
| Service charges on deposit accounts | $60,000 | 6,233 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $87,000 | 5,445 |
| Total noninterest expense | $1,301,000 | 5,140 |
| Salaries and employee benefits | $870,000 | 4,432 |
| Premises and equipment expense | $97,000 | 6,845 |
| Additional noninterest expense | $334,000 | 5,640 |
| Pre-tax net operating income | $347,000 | 6,205 |
| Securities gains (losses) | $-1,000 | 8,365 |
| Applicable income taxes | $11,000 | 6,615 |
| Income before extraordinary items | $335,000 | 5,783 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $335,000 | 5,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $322,000 | 2,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $335,970 | 5,692 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $699,000 | 6,716 |
| Total interest expense | $241,000 | 5,809 |
| Net interest income | $458,000 | 6,927 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $356,000 | 2,760 |
| Gross Fiduciary activities income | $296,000 | 356 |
| Service charges on deposit accounts | $28,000 | 6,308 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $637,000 | 5,234 |
| Salaries and employee benefits | $427,000 | 4,504 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $170,000 | 5,605 |
| Pre-tax net operating income | $171,000 | 6,166 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $165,000 | 5,788 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $165,000 | 5,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $215,000 | 2,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $165,000 | 5,662 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,962,000 | 6,562 |
| Total interest expense | $1,140,000 | 5,737 |
| Net interest income | $1,822,000 | 6,866 |
| Provision for loan and lease losses | $24,000 | 6,956 |
| Total noninterest income | $1,522,000 | 2,818 |
| Gross Fiduciary activities income | $1,303,000 | 334 |
| Service charges on deposit accounts | $107,000 | 6,448 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $112,000 | 6,340 |
| Total noninterest expense | $2,693,000 | 4,955 |
| Salaries and employee benefits | $1,770,000 | 4,312 |
| Premises and equipment expense | $201,000 | 6,757 |
| Additional noninterest expense | $722,000 | 5,396 |
| Pre-tax net operating income | $627,000 | 6,250 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $28,000 | 6,648 |
| Income before extraordinary items | $599,000 | 5,956 |
| Extraordinary gains, net | $3,000 | 48 |
| Net income | $602,000 | 5,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $1,050,000 | 2,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $599,000 | 5,783 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,263,000 | 6,575 |
| Total interest expense | $887,000 | 5,762 |
| Net interest income | $1,376,000 | 6,883 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $1,056,000 | 3,018 |
| Gross Fiduciary activities income | $895,000 | 358 |
| Service charges on deposit accounts | $78,000 | 6,548 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 6,408 |
| Total noninterest expense | $1,979,000 | 5,017 |
| Salaries and employee benefits | $1,319,000 | 4,322 |
| Premises and equipment expense | $133,000 | 7,071 |
| Additional noninterest expense | $527,000 | 5,470 |
| Pre-tax net operating income | $435,000 | 6,573 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $27,000 | 6,632 |
| Income before extraordinary items | $408,000 | 6,305 |
| Extraordinary gains, net | $3,000 | 35 |
| Net income | $411,000 | 6,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $985,000 | 1,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $408,000 | 6,126 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,567,000 | 6,500 |
| Total interest expense | $616,000 | 5,754 |
| Net interest income | $951,000 | 6,790 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $737,000 | 2,915 |
| Gross Fiduciary activities income | $597,000 | 362 |
| Service charges on deposit accounts | $51,000 | 6,554 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $89,000 | 5,537 |
| Total noninterest expense | $1,303,000 | 5,048 |
| Salaries and employee benefits | $886,000 | 4,297 |
| Premises and equipment expense | $87,000 | 7,105 |
| Additional noninterest expense | $330,000 | 5,658 |
| Pre-tax net operating income | $373,000 | 6,032 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $19,000 | 6,636 |
| Income before extraordinary items | $354,000 | 5,705 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $354,000 | 5,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $860,000 | 1,499 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $354,000 | 5,493 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $808,000 | 6,424 |
| Total interest expense | $322,000 | 5,721 |
| Net interest income | $486,000 | 6,729 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $350,000 | 2,914 |
| Gross Fiduciary activities income | $305,000 | 364 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $648,000 | 5,077 |
| Salaries and employee benefits | $435,000 | 4,358 |
| Premises and equipment expense | $36,000 | 7,540 |
| Additional noninterest expense | $177,000 | 5,409 |
| Pre-tax net operating income | $182,000 | 6,065 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $172,000 | 5,696 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $172,000 | 5,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $715,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $172,000 | 5,504 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,555,000 | 6,287 |
| Total interest expense | $1,544,000 | 5,636 |
| Net interest income | $2,011,000 | 6,616 |
| Provision for loan and lease losses | $24,000 | 7,371 |
| Total noninterest income | $1,505,000 | 2,612 |
| Gross Fiduciary activities income | $1,301,000 | 356 |
| Service charges on deposit accounts | $102,000 | 6,545 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $102,000 | 6,410 |
| Total noninterest expense | $2,628,000 | 4,910 |
| Salaries and employee benefits | $1,711,000 | 4,250 |
| Premises and equipment expense | $226,000 | 6,443 |
| Additional noninterest expense | $691,000 | 5,454 |
| Pre-tax net operating income | $864,000 | 5,579 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $40,000 | 6,689 |
| Income before extraordinary items | $824,000 | 5,117 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $824,000 | 5,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,685 |
| Cash dividends | $1,080,000 | 2,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $824,000 | 4,983 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,035,000 | 6,321 |
| Total interest expense | $1,911,000 | 6,239 |
| Net interest income | $2,124,000 | 6,242 |
| Provision for loan and lease losses | $24,000 | 7,420 |
| Total noninterest income | $1,462,000 | 2,563 |
| Gross Fiduciary activities income | $1,279,000 | 373 |
| Service charges on deposit accounts | $95,000 | 6,675 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $88,000 | 6,699 |
| Total noninterest expense | $2,560,000 | 4,881 |
| Salaries and employee benefits | $1,675,000 | 4,152 |
| Premises and equipment expense | $223,000 | 6,461 |
| Additional noninterest expense | $662,000 | 5,475 |
| Pre-tax net operating income | $1,002,000 | 4,890 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $62,000 | 6,510 |
| Income before extraordinary items | $940,000 | 4,447 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $940,000 | 4,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $959,000 | 2,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $940,000 | 4,332 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,049,000 | 6,451 |
| Total interest expense | $1,965,000 | 6,327 |
| Net interest income | $2,084,000 | 6,449 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $1,439,000 | 2,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 6,922 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,356,000 | 1,500 |
| Total noninterest expense | $2,478,000 | 4,886 |
| Salaries and employee benefits | $1,625,000 | 4,099 |
| Premises and equipment expense | $229,000 | 6,328 |
| Additional noninterest expense | $624,000 | 5,633 |
| Pre-tax net operating income | $1,009,000 | 5,236 |
| Securities gains (losses) | $14,000 | 1,057 |
| Applicable income taxes | $80,000 | 6,791 |
| Income before extraordinary items | $943,000 | 4,547 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $943,000 | 4,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,269 |
| Cash dividends | $835,000 | 2,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $930,120 | 4,584 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,917,000 | 6,437 |
| Total interest expense | $1,930,000 | 6,124 |
| Net interest income | $1,987,000 | 6,672 |
| Provision for loan and lease losses | $54,000 | 6,426 |
| Total noninterest income | $1,318,000 | 2,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,238,000 | 1,598 |
| Total noninterest expense | $2,389,000 | 5,040 |
| Salaries and employee benefits | $1,541,000 | 4,238 |
| Premises and equipment expense | $233,000 | 6,289 |
| Additional noninterest expense | $615,000 | 5,733 |
| Pre-tax net operating income | $862,000 | 5,720 |
| Securities gains (losses) | $37,000 | 1,107 |
| Applicable income taxes | $31,000 | 7,987 |
| Income before extraordinary items | $868,000 | 4,840 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $868,000 | 4,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,975 |
| Cash dividends | $798,000 | 2,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $832,110 | 4,937 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,091,000 | 6,413 |
| Total interest expense | $2,026,000 | 6,150 |
| Net interest income | $2,065,000 | 6,551 |
| Provision for loan and lease losses | $185,000 | 3,665 |
| Total noninterest income | $1,197,000 | 2,698 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,121,000 | 1,708 |
| Total noninterest expense | $2,239,000 | 5,151 |
| Salaries and employee benefits | $1,467,000 | 4,313 |
| Premises and equipment expense | $248,000 | 5,992 |
| Additional noninterest expense | $524,000 | 6,270 |
| Pre-tax net operating income | $838,000 | 5,938 |
| Securities gains (losses) | $34,000 | 2,031 |
| Applicable income taxes | $38,000 | 8,546 |
| Income before extraordinary items | $834,000 | 5,054 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $834,000 | 5,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,751 |
| Cash dividends | $615,000 | 3,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $801,360 | 5,099 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,130,000 | 6,535 |
| Total interest expense | $2,124,000 | 6,035 |
| Net interest income | $2,006,000 | 6,906 |
| Provision for loan and lease losses | $6,000 | 8,580 |
| Total noninterest income | $1,072,000 | 2,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 7,630 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $991,000 | 1,747 |
| Total noninterest expense | $2,164,000 | 5,346 |
| Salaries and employee benefits | $1,425,000 | 4,436 |
| Premises and equipment expense | $190,000 | 7,020 |
| Additional noninterest expense | $549,000 | 6,124 |
| Pre-tax net operating income | $908,000 | 6,125 |
| Securities gains (losses) | $-10,000 | 10,039 |
| Applicable income taxes | $259,000 | 6,170 |
| Income before extraordinary items | $639,000 | 6,164 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $639,000 | 6,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,643 |
| Cash dividends | $457,000 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $646,100 | 6,086 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,004,000 | 6,868 |
| Total interest expense | $2,102,000 | 6,221 |
| Net interest income | $1,902,000 | 7,348 |
| Provision for loan and lease losses | $6,000 | 8,753 |
| Total noninterest income | $1,025,000 | 3,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 8,114 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $949,000 | 1,878 |
| Total noninterest expense | $2,074,000 | 5,787 |
| Salaries and employee benefits | $1,358,000 | 4,697 |
| Premises and equipment expense | $189,000 | 7,240 |
| Additional noninterest expense | $527,000 | 6,861 |
| Pre-tax net operating income | $847,000 | 6,307 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $218,000 | 6,871 |
| Income before extraordinary items | $629,000 | 6,096 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $629,000 | 6,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $1,539,000 | 1,546 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $629,000 | 6,041 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,048,000 | 6,929 |
| Total interest expense | $2,076,000 | 6,308 |
| Net interest income | $1,972,000 | 7,378 |
| Provision for loan and lease losses | $6,000 | 8,588 |
| Total noninterest income | $835,000 | 3,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 8,644 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $766,000 | 2,176 |
| Total noninterest expense | $2,073,000 | 5,824 |
| Salaries and employee benefits | $1,287,000 | 4,898 |
| Premises and equipment expense | $211,000 | 6,988 |
| Additional noninterest expense | $575,000 | 6,690 |
| Pre-tax net operating income | $728,000 | 7,179 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $189,000 | 7,616 |
| Income before extraordinary items | $541,000 | 6,952 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $541,000 | 6,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $320,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $539,520 | 6,947 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,915,000 | 6,807 |
| Total interest expense | $1,910,000 | 5,814 |
| Net interest income | $2,005,000 | 7,558 |
| Provision for loan and lease losses | $6,000 | 8,739 |
| Total noninterest income | $774,000 | 3,821 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 9,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $705,000 | 2,323 |
| Total noninterest expense | $2,073,000 | 6,025 |
| Salaries and employee benefits | $1,268,000 | 4,995 |
| Premises and equipment expense | $207,000 | 7,274 |
| Additional noninterest expense | $598,000 | 7,056 |
| Pre-tax net operating income | $700,000 | 7,382 |
| Securities gains (losses) | $21,000 | 1,738 |
| Applicable income taxes | $190,000 | 7,515 |
| Income before extraordinary items | $531,000 | 7,064 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $531,000 | 7,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $320,000 | 4,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $515,460 | 7,222 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,149,000 | 6,694 |
| Total interest expense | $1,940,000 | 5,986 |
| Net interest income | $2,209,000 | 7,161 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $761,000 | 4,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 9,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $692,000 | 2,623 |
| Total noninterest expense | $2,012,000 | 6,309 |
| Salaries and employee benefits | $1,187,000 | 5,283 |
| Premises and equipment expense | $236,000 | 6,969 |
| Additional noninterest expense | $589,000 | 7,445 |
| Pre-tax net operating income | $946,000 | 6,134 |
| Securities gains (losses) | $43,000 | 3,630 |
| Applicable income taxes | $317,000 | 5,878 |
| Income before extraordinary items | $672,000 | 6,280 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $672,000 | 6,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $320,000 | 4,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $642,760 | 6,235 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,894,000 | 6,493 |
| Total interest expense | $2,532,000 | 5,931 |
| Net interest income | $2,362,000 | 6,866 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $683,000 | 4,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $616,000 | 2,781 |
| Total noninterest expense | $1,802,000 | 6,939 |
| Salaries and employee benefits | $1,085,000 | 5,641 |
| Premises and equipment expense | $158,000 | 8,881 |
| Additional noninterest expense | $559,000 | 7,886 |
| Pre-tax net operating income | $1,193,000 | 4,928 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $422,000 | 4,599 |
| Income before extraordinary items | $786,000 | 5,435 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $786,000 | 5,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $320,000 | 3,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $776,250 | 5,168 |
* 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.