Home > The Sycamore National Bank > Income and Expense
The Sycamore National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,872,000 | 6,356 |
| Total interest expense | $1,094,000 | 6,515 |
| Net interest income | $1,778,000 | 6,147 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $140,000 | 6,870 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $72,000 | 6,103 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $68,000 | 6,381 |
| Total noninterest expense | $1,565,000 | 6,089 |
| Salaries and employee benefits | $764,000 | 6,383 |
| Premises and equipment expense | $75,000 | 7,728 |
| Additional noninterest expense | $726,000 | 4,692 |
| Pre-tax net operating income | $218,000 | 6,897 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $74,000 | 4,679 |
| Income before extraordinary items | $144,000 | 7,062 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $144,000 | 7,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 2,453 |
| Cash dividends | $24,000 | 5,073 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,044 |
| Net operating income | $144,000 | 7,052 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,905,000 | 6,405 |
| Total interest expense | $721,000 | 6,556 |
| Net interest income | $1,184,000 | 6,186 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $91,000 | 6,962 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $47,000 | 6,168 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $44,000 | 6,471 |
| Total noninterest expense | $1,027,000 | 6,178 |
| Salaries and employee benefits | $514,000 | 6,415 |
| Premises and equipment expense | $50,000 | 7,774 |
| Additional noninterest expense | $463,000 | 4,828 |
| Pre-tax net operating income | $158,000 | 6,917 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $54,000 | 4,693 |
| Income before extraordinary items | $104,000 | 7,090 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $104,000 | 7,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,609 |
| Cash dividends | $18,000 | 4,886 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 926 |
| Net operating income | $104,000 | 7,077 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $940,000 | 6,441 |
| Total interest expense | $356,000 | 6,599 |
| Net interest income | $584,000 | 6,223 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $42,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $21,000 | 6,298 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $21,000 | 6,540 |
| Total noninterest expense | $498,000 | 6,300 |
| Salaries and employee benefits | $252,000 | 6,508 |
| Premises and equipment expense | $25,000 | 7,791 |
| Additional noninterest expense | $221,000 | 4,921 |
| Pre-tax net operating income | $83,000 | 6,881 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $28,000 | 4,668 |
| Income before extraordinary items | $55,000 | 7,082 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $55,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,916 |
| Cash dividends | $7,000 | 3,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $55,000 | 7,065 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,760,000 | 6,269 |
| Total interest expense | $1,243,000 | 6,521 |
| Net interest income | $2,517,000 | 6,008 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $177,000 | 7,108 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $98,000 | 6,179 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $79,000 | 6,691 |
| Total noninterest expense | $2,003,000 | 6,156 |
| Salaries and employee benefits | $964,000 | 6,499 |
| Premises and equipment expense | $107,000 | 7,719 |
| Additional noninterest expense | $932,000 | 4,742 |
| Pre-tax net operating income | $511,000 | 6,448 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $174,000 | 4,449 |
| Income before extraordinary items | $337,000 | 6,756 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $337,000 | 6,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,358 |
| Cash dividends | $36,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 8,573 |
| Net operating income | $337,000 | 6,764 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,798,000 | 6,312 |
| Total interest expense | $903,000 | 6,550 |
| Net interest income | $1,895,000 | 6,055 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $135,000 | 7,117 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $76,000 | 6,210 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $59,000 | 6,707 |
| Total noninterest expense | $1,494,000 | 6,162 |
| Salaries and employee benefits | $713,000 | 6,537 |
| Premises and equipment expense | $82,000 | 7,728 |
| Additional noninterest expense | $699,000 | 4,707 |
| Pre-tax net operating income | $401,000 | 6,603 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $136,000 | 4,576 |
| Income before extraordinary items | $265,000 | 6,896 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $265,000 | 6,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 2,029 |
| Cash dividends | $25,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $265,000 | 6,903 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,842,000 | 6,327 |
| Total interest expense | $588,000 | 6,528 |
| Net interest income | $1,254,000 | 6,102 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $80,000 | 7,329 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $46,000 | 6,355 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $34,000 | 6,958 |
| Total noninterest expense | $979,000 | 6,227 |
| Salaries and employee benefits | $468,000 | 6,598 |
| Premises and equipment expense | $53,000 | 7,776 |
| Additional noninterest expense | $458,000 | 4,765 |
| Pre-tax net operating income | $265,000 | 6,673 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $90,000 | 4,649 |
| Income before extraordinary items | $175,000 | 6,960 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $175,000 | 6,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,505 |
| Cash dividends | $18,000 | 4,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $175,000 | 6,962 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $917,000 | 6,306 |
| Total interest expense | $285,000 | 6,492 |
| Net interest income | $632,000 | 6,098 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $39,000 | 7,341 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $23,000 | 6,323 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,000 |
| Total noninterest expense | $497,000 | 6,202 |
| Salaries and employee benefits | $236,000 | 6,597 |
| Premises and equipment expense | $26,000 | 7,811 |
| Additional noninterest expense | $235,000 | 4,650 |
| Pre-tax net operating income | $129,000 | 6,692 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $44,000 | 4,649 |
| Income before extraordinary items | $85,000 | 6,976 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $85,000 | 6,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 1,727 |
| Cash dividends | $7,000 | 3,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $85,000 | 6,977 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,390,000 | 6,278 |
| Total interest expense | $922,000 | 6,483 |
| Net interest income | $2,468,000 | 6,082 |
| Provision for loan and lease losses | $220,000 | 3,430 |
| Total noninterest income | $204,000 | 7,035 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $98,000 | 6,322 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $106,000 | 6,316 |
| Total noninterest expense | $1,926,000 | 6,232 |
| Salaries and employee benefits | $904,000 | 6,633 |
| Premises and equipment expense | $107,000 | 7,786 |
| Additional noninterest expense | $915,000 | 4,707 |
| Pre-tax net operating income | $526,000 | 6,671 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $168,000 | 4,885 |
| Income before extraordinary items | $358,000 | 6,942 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $358,000 | 6,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 2,913 |
| Cash dividends | $35,000 | 5,854 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 748 |
| Net operating income | $358,000 | 6,930 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,487,000 | 6,336 |
| Total interest expense | $664,000 | 6,495 |
| Net interest income | $1,823,000 | 6,150 |
| Provision for loan and lease losses | $126,000 | 3,804 |
| Total noninterest income | $157,000 | 7,017 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $73,000 | 6,369 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $84,000 | 6,220 |
| Total noninterest expense | $1,428,000 | 6,243 |
| Salaries and employee benefits | $664,000 | 6,679 |
| Premises and equipment expense | $78,000 | 7,820 |
| Additional noninterest expense | $686,000 | 4,686 |
| Pre-tax net operating income | $426,000 | 6,685 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $136,000 | 4,918 |
| Income before extraordinary items | $290,000 | 6,971 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $290,000 | 6,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,746 |
| Cash dividends | $24,000 | 5,181 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 586 |
| Net operating income | $290,000 | 6,932 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,611,000 | 6,356 |
| Total interest expense | $419,000 | 6,493 |
| Net interest income | $1,192,000 | 6,205 |
| Provision for loan and lease losses | $81,000 | 3,723 |
| Total noninterest income | $103,000 | 7,013 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $48,000 | 6,369 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $55,000 | 6,254 |
| Total noninterest expense | $939,000 | 6,274 |
| Salaries and employee benefits | $430,000 | 6,752 |
| Premises and equipment expense | $55,000 | 7,750 |
| Additional noninterest expense | $454,000 | 4,697 |
| Pre-tax net operating income | $275,000 | 6,744 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $88,000 | 4,977 |
| Income before extraordinary items | $187,000 | 7,024 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $187,000 | 7,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,351 |
| Cash dividends | $17,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 450 |
| Net operating income | $187,000 | 6,983 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $775,000 | 6,476 |
| Total interest expense | $203,000 | 6,502 |
| Net interest income | $572,000 | 6,358 |
| Provision for loan and lease losses | $36,000 | 3,732 |
| Total noninterest income | $52,000 | 7,007 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $23,000 | 6,401 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $29,000 | 6,226 |
| Total noninterest expense | $479,000 | 6,258 |
| Salaries and employee benefits | $218,000 | 6,774 |
| Premises and equipment expense | $27,000 | 7,847 |
| Additional noninterest expense | $234,000 | 4,589 |
| Pre-tax net operating income | $109,000 | 7,100 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $35,000 | 5,166 |
| 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 | $5,000 | 3,734 |
| Cash dividends | $6,000 | 3,823 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 274 |
| Net operating income | $74,000 | 7,311 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,651,000 | 6,763 |
| Total interest expense | $710,000 | 6,558 |
| Net interest income | $1,941,000 | 6,712 |
| Provision for loan and lease losses | $132,000 | 4,466 |
| Total noninterest income | $200,000 | 7,153 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $100,000 | 6,482 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $100,000 | 6,428 |
| Total noninterest expense | $1,771,000 | 6,415 |
| Salaries and employee benefits | $878,000 | 6,692 |
| Premises and equipment expense | $99,000 | 7,984 |
| Additional noninterest expense | $794,000 | 5,112 |
| Pre-tax net operating income | $238,000 | 7,644 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $76,000 | 5,762 |
| Income before extraordinary items | $162,000 | 7,828 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $162,000 | 7,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,160 |
| Cash dividends | $35,000 | 5,946 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 8,873 |
| Net operating income | $162,000 | 7,784 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,942,000 | 6,832 |
| Total interest expense | $517,000 | 6,620 |
| Net interest income | $1,425,000 | 6,773 |
| Provision for loan and lease losses | $99,000 | 4,319 |
| Total noninterest income | $148,000 | 7,214 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $78,000 | 6,466 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 6,544 |
| Total noninterest expense | $1,336,000 | 6,360 |
| Salaries and employee benefits | $660,000 | 6,642 |
| Premises and equipment expense | $76,000 | 7,952 |
| Additional noninterest expense | $600,000 | 5,056 |
| Pre-tax net operating income | $138,000 | 7,961 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $44,000 | 6,050 |
| Income before extraordinary items | $94,000 | 8,105 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $94,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,961 |
| Cash dividends | $25,000 | 5,187 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 8,950 |
| Net operating income | $94,000 | 8,052 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,296,000 | 6,853 |
| Total interest expense | $348,000 | 6,632 |
| Net interest income | $948,000 | 6,806 |
| Provision for loan and lease losses | $66,000 | 4,180 |
| Total noninterest income | $100,000 | 7,246 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $51,000 | 6,505 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $889,000 | 6,400 |
| Salaries and employee benefits | $441,000 | 6,683 |
| Premises and equipment expense | $51,000 | 7,970 |
| Additional noninterest expense | $397,000 | 5,090 |
| Pre-tax net operating income | $93,000 | 7,974 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $30,000 | 6,027 |
| Income before extraordinary items | $63,000 | 8,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 8,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,801 |
| Cash dividends | $18,000 | 4,973 |
| Sale, conversion, retirement of capital stock, net | $-10,000 | 9,021 |
| Net operating income | $63,000 | 8,075 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $646,000 | 6,898 |
| Total interest expense | $176,000 | 6,673 |
| Net interest income | $470,000 | 6,867 |
| Provision for loan and lease losses | $33,000 | 3,984 |
| Total noninterest income | $42,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $24,000 | 6,539 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $442,000 | 6,468 |
| Salaries and employee benefits | $218,000 | 6,747 |
| Premises and equipment expense | $26,000 | 7,959 |
| Additional noninterest expense | $198,000 | 5,107 |
| Pre-tax net operating income | $37,000 | 8,090 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $25,000 | 8,233 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $25,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,469 |
| Cash dividends | $7,000 | 3,802 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 9,077 |
| Net operating income | $25,000 | 8,167 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 6,825 |
| Total interest expense | $825,000 | 6,637 |
| Net interest income | $1,894,000 | 6,749 |
| Provision for loan and lease losses | $138,000 | 4,729 |
| Total noninterest income | $274,000 | 6,781 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $89,000 | 6,730 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $185,000 | 5,449 |
| Total noninterest expense | $1,728,000 | 6,475 |
| Salaries and employee benefits | $857,000 | 6,724 |
| Premises and equipment expense | $97,000 | 8,102 |
| Additional noninterest expense | $774,000 | 5,169 |
| Pre-tax net operating income | $302,000 | 7,426 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $103,000 | 5,691 |
| Income before extraordinary items | $199,000 | 7,773 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $199,000 | 7,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,091 |
| Cash dividends | $36,000 | 6,026 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 9,053 |
| Net operating income | $199,000 | 7,641 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,074,000 | 6,858 |
| Total interest expense | $642,000 | 6,685 |
| Net interest income | $1,432,000 | 6,766 |
| Provision for loan and lease losses | $102,000 | 4,630 |
| Total noninterest income | $190,000 | 6,978 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $67,000 | 6,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 5,698 |
| Total noninterest expense | $1,281,000 | 6,487 |
| Salaries and employee benefits | $655,000 | 6,679 |
| Premises and equipment expense | $72,000 | 8,138 |
| Additional noninterest expense | $554,000 | 5,296 |
| Pre-tax net operating income | $239,000 | 7,505 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $81,000 | 5,792 |
| Income before extraordinary items | $158,000 | 7,847 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $158,000 | 7,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,097 |
| Cash dividends | $25,000 | 5,308 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 9,128 |
| Net operating income | $158,000 | 7,698 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,399,000 | 6,880 |
| Total interest expense | $440,000 | 6,737 |
| Net interest income | $959,000 | 6,768 |
| Provision for loan and lease losses | $66,000 | 4,590 |
| Total noninterest income | $126,000 | 6,976 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $42,000 | 6,879 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $84,000 | 5,643 |
| Total noninterest expense | $848,000 | 6,532 |
| Salaries and employee benefits | $432,000 | 6,727 |
| Premises and equipment expense | $48,000 | 8,136 |
| Additional noninterest expense | $368,000 | 5,299 |
| Pre-tax net operating income | $171,000 | 7,450 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $58,000 | 5,772 |
| Income before extraordinary items | $113,000 | 7,816 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $113,000 | 7,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,822 |
| Cash dividends | $18,000 | 5,074 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 9,182 |
| Net operating income | $113,000 | 7,645 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $722,000 | 6,820 |
| Total interest expense | $220,000 | 6,817 |
| Net interest income | $502,000 | 6,640 |
| Provision for loan and lease losses | $33,000 | 4,367 |
| Total noninterest income | $52,000 | 7,298 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $33,000 | 6,044 |
| Total noninterest expense | $423,000 | 6,546 |
| Salaries and employee benefits | $216,000 | 6,738 |
| Premises and equipment expense | $26,000 | 8,056 |
| Additional noninterest expense | $181,000 | 5,325 |
| Pre-tax net operating income | $98,000 | 7,223 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $33,000 | 5,621 |
| Income before extraordinary items | $65,000 | 7,583 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $65,000 | 7,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $7,000 | 3,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $65,000 | 7,429 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,901,000 | 6,956 |
| Total interest expense | $1,118,000 | 6,626 |
| Net interest income | $1,783,000 | 6,988 |
| Provision for loan and lease losses | $132,000 | 5,166 |
| Total noninterest income | $251,000 | 6,846 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $87,000 | 6,811 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $164,000 | 5,419 |
| Total noninterest expense | $1,611,000 | 6,630 |
| Salaries and employee benefits | $786,000 | 6,930 |
| Premises and equipment expense | $102,000 | 8,142 |
| Additional noninterest expense | $723,000 | 5,302 |
| Pre-tax net operating income | $291,000 | 7,578 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $99,000 | 5,970 |
| Income before extraordinary items | $192,000 | 7,875 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $192,000 | 7,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,201 |
| Cash dividends | $36,000 | 6,083 |
| Sale, conversion, retirement of capital stock, net | $-6,000 | 9,205 |
| Net operating income | $192,000 | 7,772 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,393,000 | 6,853 |
| Total interest expense | $1,574,000 | 6,835 |
| Net interest income | $1,819,000 | 6,757 |
| Provision for loan and lease losses | $132,000 | 5,025 |
| Total noninterest income | $224,000 | 7,078 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $99,000 | 6,593 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $125,000 | 5,909 |
| Total noninterest expense | $1,562,000 | 6,656 |
| Salaries and employee benefits | $754,000 | 6,967 |
| Premises and equipment expense | $93,000 | 8,406 |
| Additional noninterest expense | $715,000 | 5,204 |
| Pre-tax net operating income | $349,000 | 7,190 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $118,000 | 5,792 |
| Income before extraordinary items | $231,000 | 7,530 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $231,000 | 7,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,653 |
| Cash dividends | $36,000 | 6,280 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 9,447 |
| Net operating income | $231,000 | 7,410 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,255,000 | 7,161 |
| Total interest expense | $1,349,000 | 7,468 |
| Net interest income | $1,906,000 | 6,719 |
| Provision for loan and lease losses | $135,000 | 4,606 |
| Total noninterest income | $172,000 | 7,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 6,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 6,911 |
| Total noninterest expense | $1,490,000 | 6,776 |
| Salaries and employee benefits | $709,000 | 7,162 |
| Premises and equipment expense | $161,000 | 7,398 |
| Additional noninterest expense | $620,000 | 5,656 |
| Pre-tax net operating income | $453,000 | 7,225 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $156,000 | 5,851 |
| Income before extraordinary items | $297,000 | 7,496 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $297,000 | 7,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,420 |
| Cash dividends | $38,000 | 6,524 |
| Sale, conversion, retirement of capital stock, net | $-8,000 | 9,735 |
| Net operating income | $297,000 | 7,500 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,040,000 | 7,330 |
| Total interest expense | $1,316,000 | 7,374 |
| Net interest income | $1,724,000 | 7,159 |
| Provision for loan and lease losses | $132,000 | 4,547 |
| Total noninterest income | $186,000 | 7,653 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 6,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 6,949 |
| Total noninterest expense | $1,466,000 | 6,867 |
| Salaries and employee benefits | $671,000 | 7,389 |
| Premises and equipment expense | $171,000 | 7,309 |
| Additional noninterest expense | $624,000 | 5,679 |
| Pre-tax net operating income | $312,000 | 8,026 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $106,000 | 6,848 |
| Income before extraordinary items | $206,000 | 8,260 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $206,000 | 8,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,187 |
| Cash dividends | $39,000 | 6,750 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 805 |
| Net operating income | $206,000 | 8,229 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,160,000 | 7,342 |
| Total interest expense | $1,461,000 | 7,284 |
| Net interest income | $1,699,000 | 7,295 |
| Provision for loan and lease losses | $132,000 | 4,434 |
| Total noninterest income | $159,000 | 8,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 7,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,242 |
| Total noninterest expense | $1,437,000 | 6,861 |
| Salaries and employee benefits | $636,000 | 7,557 |
| Premises and equipment expense | $169,000 | 7,251 |
| Additional noninterest expense | $632,000 | 5,540 |
| Pre-tax net operating income | $289,000 | 8,462 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $91,000 | 7,671 |
| Income before extraordinary items | $198,000 | 8,637 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $198,000 | 8,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,139 |
| Cash dividends | $32,000 | 7,110 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 949 |
| Net operating income | $198,000 | 8,564 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,009,000 | 7,743 |
| Total interest expense | $1,514,000 | 7,317 |
| Net interest income | $1,495,000 | 7,991 |
| Provision for loan and lease losses | $178,000 | 3,774 |
| Total noninterest income | $116,000 | 9,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 8,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,946 |
| Total noninterest expense | $1,255,000 | 7,486 |
| Salaries and employee benefits | $602,000 | 7,900 |
| Premises and equipment expense | $154,000 | 7,716 |
| Additional noninterest expense | $499,000 | 6,506 |
| Pre-tax net operating income | $178,000 | 9,694 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $58,000 | 9,128 |
| Income before extraordinary items | $120,000 | 9,836 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $120,000 | 9,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,522 |
| Cash dividends | $26,000 | 7,521 |
| Sale, conversion, retirement of capital stock, net | $454,000 | 563 |
| Net operating income | $120,000 | 9,789 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,961,000 | 8,050 |
| Total interest expense | $1,568,000 | 7,399 |
| Net interest income | $1,393,000 | 8,534 |
| Provision for loan and lease losses | $210,000 | 3,297 |
| Total noninterest income | $113,000 | 9,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 9,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,979 |
| Total noninterest expense | $1,423,000 | 7,331 |
| Salaries and employee benefits | $554,000 | 8,453 |
| Premises and equipment expense | $167,000 | 7,688 |
| Additional noninterest expense | $702,000 | 5,740 |
| Pre-tax net operating income | $-127,000 | 10,996 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $-36,000 | 11,043 |
| Income before extraordinary items | $-89,000 | 10,981 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-89,000 | 10,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,481 |
| Cash dividends | $13,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 773 |
| Net operating income | $-90,420 | 10,938 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,567,000 | 8,864 |
| Total interest expense | $1,439,000 | 7,857 |
| Net interest income | $1,128,000 | 9,547 |
| Provision for loan and lease losses | $78,000 | 5,177 |
| Total noninterest income | $121,000 | 9,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 9,531 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $1,212,000 | 8,172 |
| Salaries and employee benefits | $529,000 | 8,865 |
| Premises and equipment expense | $101,000 | 9,601 |
| Additional noninterest expense | $582,000 | 6,646 |
| Pre-tax net operating income | $-41,000 | 11,553 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $-15,000 | 11,537 |
| Income before extraordinary items | $-18,000 | 11,531 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-18,000 | 11,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 611 |
| Net operating income | $-23,120 | 11,518 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,103,000 | 9,599 |
| Total interest expense | $1,049,000 | 8,485 |
| Net interest income | $1,054,000 | 10,228 |
| Provision for loan and lease losses | $48,000 | 6,241 |
| Total noninterest income | $56,000 | 11,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,718 |
| Total noninterest expense | $1,431,000 | 7,819 |
| Salaries and employee benefits | $545,000 | 9,002 |
| Premises and equipment expense | $137,000 | 8,902 |
| Additional noninterest expense | $749,000 | 5,998 |
| Pre-tax net operating income | $-369,000 | 12,335 |
| Securities gains (losses) | $-40,000 | 10,871 |
| Applicable income taxes | $-145,000 | 12,351 |
| Income before extraordinary items | $-264,000 | 12,255 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-264,000 | 12,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $13,000 | 8,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-238,000 | 12,270 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,227,000 | 9,722 |
| Total interest expense | $1,282,000 | 7,945 |
| Net interest income | $945,000 | 10,980 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $276,000 | 7,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 5,343 |
| Total noninterest expense | $1,313,000 | 8,466 |
| Salaries and employee benefits | $483,000 | 9,835 |
| Premises and equipment expense | $135,000 | 9,319 |
| Additional noninterest expense | $695,000 | 6,599 |
| Pre-tax net operating income | $-128,000 | 12,624 |
| Securities gains (losses) | $21,000 | 4,601 |
| Applicable income taxes | $-10,000 | 12,784 |
| Income before extraordinary items | $-97,000 | 12,661 |
| Extraordinary gains, net | $-81,000 | 12,867 |
| Net income | $-178,000 | 12,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 6,815 |
| Cash dividends | $46,000 | 8,081 |
| Sale, conversion, retirement of capital stock, net | $2,465,000 | 315 |
| Net operating income | $-116,110 | 12,580 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,676,000 | 9,581 |
| Total interest expense | $1,644,000 | 8,066 |
| Net interest income | $1,032,000 | 10,978 |
| Provision for loan and lease losses | $117,000 | 6,890 |
| Total noninterest income | $222,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $222,000 | 5,329 |
| Total noninterest expense | $944,000 | 10,240 |
| Salaries and employee benefits | $444,000 | 10,363 |
| Premises and equipment expense | $172,000 | 8,516 |
| Additional noninterest expense | $328,000 | 10,457 |
| Pre-tax net operating income | $193,000 | 11,136 |
| Securities gains (losses) | $-4,000 | 13,019 |
| Applicable income taxes | $73,000 | 10,632 |
| Income before extraordinary items | $116,000 | 11,722 |
| Extraordinary gains, net | $9,000 | 1,353 |
| Net income | $125,000 | 11,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 8,164 |
| Cash dividends | $40,000 | 7,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $118,560 | 11,381 |
* 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.