Home > The Valley State Bank > Income and Expense
The Valley State Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,004,000 | 6,835 |
| Total interest expense | $1,383,000 | 6,592 |
| Net interest income | $1,621,000 | 6,963 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $69,000 | 7,859 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $56,000 | 6,653 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $13,000 | 7,982 |
| Total noninterest expense | $1,187,000 | 7,382 |
| Salaries and employee benefits | $560,000 | 7,644 |
| Premises and equipment expense | $263,000 | 6,116 |
| Additional noninterest expense | $364,000 | 7,230 |
| Pre-tax net operating income | $503,000 | 5,993 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $21,000 | 5,407 |
| Income before extraordinary items | $482,000 | 5,742 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $482,000 | 5,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $300,000 | 4,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $482,000 | 5,727 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,265,000 | 6,867 |
| Total interest expense | $1,018,000 | 6,657 |
| Net interest income | $1,247,000 | 6,961 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $52,000 | 7,909 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $41,000 | 6,701 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $11,000 | 7,986 |
| Total noninterest expense | $864,000 | 7,411 |
| Salaries and employee benefits | $400,000 | 7,698 |
| Premises and equipment expense | $191,000 | 6,182 |
| Additional noninterest expense | $273,000 | 7,206 |
| Pre-tax net operating income | $435,000 | 6,023 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $19,000 | 5,497 |
| Income before extraordinary items | $416,000 | 5,749 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $416,000 | 5,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $250,000 | 3,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $416,000 | 5,734 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,462,000 | 6,977 |
| Total interest expense | $638,000 | 6,786 |
| Net interest income | $824,000 | 7,022 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $35,000 | 7,953 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $28,000 | 6,731 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $7,000 | 8,056 |
| Total noninterest expense | $582,000 | 7,447 |
| Salaries and employee benefits | $263,000 | 7,768 |
| Premises and equipment expense | $133,000 | 6,120 |
| Additional noninterest expense | $186,000 | 7,208 |
| Pre-tax net operating income | $277,000 | 6,181 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $12,000 | 5,584 |
| Income before extraordinary items | $265,000 | 5,911 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $265,000 | 5,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $200,000 | 3,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $265,000 | 5,898 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $671,000 | 7,167 |
| Total interest expense | $306,000 | 6,876 |
| Net interest income | $365,000 | 7,313 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $16,000 | 8,027 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $11,000 | 6,918 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $5,000 | 7,889 |
| Total noninterest expense | $298,000 | 7,441 |
| Salaries and employee benefits | $131,000 | 7,818 |
| Premises and equipment expense | $67,000 | 6,138 |
| Additional noninterest expense | $100,000 | 7,079 |
| Pre-tax net operating income | $83,000 | 6,881 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-7,000 | 8,230 |
| Income before extraordinary items | $90,000 | 6,548 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $90,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $150,000 | 2,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $90,000 | 6,533 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,496,000 | 7,144 |
| Total interest expense | $971,000 | 7,000 |
| Net interest income | $1,525,000 | 7,152 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $76,000 | 7,988 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $55,000 | 6,806 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $21,000 | 7,943 |
| Total noninterest expense | $1,199,000 | 7,384 |
| Salaries and employee benefits | $563,000 | 7,700 |
| Premises and equipment expense | $266,000 | 6,045 |
| Additional noninterest expense | $370,000 | 7,207 |
| Pre-tax net operating income | $402,000 | 6,782 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $17,000 | 5,975 |
| Income before extraordinary items | $385,000 | 6,566 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $385,000 | 6,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,784 |
| Cash dividends | $250,000 | 4,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $385,000 | 6,569 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,781,000 | 7,278 |
| Total interest expense | $671,000 | 7,135 |
| Net interest income | $1,110,000 | 7,279 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $58,000 | 8,054 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $46,000 | 6,799 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,000 | 8,141 |
| Total noninterest expense | $886,000 | 7,423 |
| Salaries and employee benefits | $409,000 | 7,745 |
| Premises and equipment expense | $198,000 | 6,104 |
| Additional noninterest expense | $279,000 | 7,219 |
| Pre-tax net operating income | $282,000 | 7,086 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $12,000 | 6,158 |
| Income before extraordinary items | $270,000 | 6,877 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $270,000 | 6,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,572 |
| Cash dividends | $225,000 | 4,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $270,000 | 6,879 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 7,403 |
| Total interest expense | $394,000 | 7,305 |
| Net interest income | $726,000 | 7,367 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $39,000 | 8,099 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $32,000 | 6,791 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,000 | 8,267 |
| Total noninterest expense | $580,000 | 7,494 |
| Salaries and employee benefits | $265,000 | 7,823 |
| Premises and equipment expense | $134,000 | 6,061 |
| Additional noninterest expense | $181,000 | 7,281 |
| Pre-tax net operating income | $185,000 | 7,174 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,000 | 6,457 |
| Income before extraordinary items | $182,000 | 6,897 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $182,000 | 6,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $200,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $182,000 | 6,902 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $544,000 | 7,455 |
| Total interest expense | $178,000 | 7,426 |
| Net interest income | $366,000 | 7,361 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $21,000 | 8,014 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $285,000 | 7,538 |
| Salaries and employee benefits | $130,000 | 7,874 |
| Premises and equipment expense | $67,000 | 6,079 |
| Additional noninterest expense | $88,000 | 7,332 |
| Pre-tax net operating income | $102,000 | 7,029 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $4,000 | 6,184 |
| Income before extraordinary items | $98,000 | 6,766 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $98,000 | 6,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $98,000 | 6,767 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,161,000 | 7,304 |
| Total interest expense | $781,000 | 6,838 |
| Net interest income | $1,380,000 | 7,450 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $87,000 | 8,067 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $65,000 | 6,834 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $22,000 | 8,086 |
| Total noninterest expense | $1,174,000 | 7,445 |
| Salaries and employee benefits | $511,000 | 7,860 |
| Premises and equipment expense | $271,000 | 5,995 |
| Additional noninterest expense | $392,000 | 7,123 |
| Pre-tax net operating income | $293,000 | 7,413 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $12,000 | 6,486 |
| Income before extraordinary items | $281,000 | 7,257 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $281,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $250,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $281,000 | 7,246 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,646,000 | 7,271 |
| Total interest expense | $614,000 | 6,656 |
| Net interest income | $1,032,000 | 7,487 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $64,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $39,000 | 7,103 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,813 |
| Total noninterest expense | $890,000 | 7,417 |
| Salaries and employee benefits | $381,000 | 7,854 |
| Premises and equipment expense | $241,000 | 5,543 |
| Additional noninterest expense | $268,000 | 7,332 |
| Pre-tax net operating income | $206,000 | 7,601 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $9,000 | 6,562 |
| Income before extraordinary items | $197,000 | 7,463 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $197,000 | 7,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,349 |
| Cash dividends | $250,000 | 3,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $197,000 | 7,436 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 7,300 |
| Total interest expense | $438,000 | 6,383 |
| Net interest income | $634,000 | 7,661 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $43,000 | 8,121 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $25,000 | 7,119 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $18,000 | 7,744 |
| Total noninterest expense | $579,000 | 7,465 |
| Salaries and employee benefits | $238,000 | 7,960 |
| Premises and equipment expense | $134,000 | 6,022 |
| Additional noninterest expense | $207,000 | 7,008 |
| Pre-tax net operating income | $98,000 | 7,856 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $4,000 | 6,673 |
| Income before extraordinary items | $94,000 | 7,778 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $94,000 | 7,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,491 |
| Cash dividends | $225,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $94,000 | 7,737 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $525,000 | 7,389 |
| Total interest expense | $229,000 | 6,190 |
| Net interest income | $296,000 | 7,820 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $20,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $14,000 | 7,031 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $287,000 | 7,551 |
| Salaries and employee benefits | $113,000 | 8,116 |
| Premises and equipment expense | $65,000 | 6,146 |
| Additional noninterest expense | $109,000 | 6,925 |
| Pre-tax net operating income | $29,000 | 8,153 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $28,000 | 8,124 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $28,000 | 8,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,216 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $28,000 | 8,096 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,447,000 | 6,939 |
| Total interest expense | $915,000 | 5,907 |
| Net interest income | $1,532,000 | 7,271 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $88,000 | 8,220 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $64,000 | 7,054 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $24,000 | 8,103 |
| Total noninterest expense | $1,190,000 | 7,465 |
| Salaries and employee benefits | $541,000 | 7,865 |
| Premises and equipment expense | $276,000 | 5,921 |
| Additional noninterest expense | $373,000 | 7,267 |
| Pre-tax net operating income | $400,000 | 7,081 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-32,000 | 8,643 |
| Income before extraordinary items | $432,000 | 6,620 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $432,000 | 6,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,241 |
| Cash dividends | $225,000 | 4,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $432,000 | 6,565 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 6,958 |
| Total interest expense | $699,000 | 5,831 |
| Net interest income | $1,131,000 | 7,325 |
| Provision for loan and lease losses | $30,000 | 5,981 |
| Total noninterest income | $67,000 | 8,256 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $41,000 | 7,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 7,845 |
| Total noninterest expense | $892,000 | 7,423 |
| Salaries and employee benefits | $421,000 | 7,754 |
| Premises and equipment expense | $206,000 | 5,900 |
| Additional noninterest expense | $265,000 | 7,374 |
| Pre-tax net operating income | $276,000 | 7,344 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-38,000 | 8,797 |
| Income before extraordinary items | $314,000 | 6,819 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $314,000 | 6,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,054 |
| Cash dividends | $175,000 | 4,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $314,000 | 6,746 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,213,000 | 7,002 |
| Total interest expense | $470,000 | 5,829 |
| Net interest income | $743,000 | 7,395 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $46,000 | 8,272 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $34,000 | 7,049 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $12,000 | 8,173 |
| Total noninterest expense | $605,000 | 7,444 |
| Salaries and employee benefits | $280,000 | 7,818 |
| Premises and equipment expense | $138,000 | 5,916 |
| Additional noninterest expense | $187,000 | 7,286 |
| Pre-tax net operating income | $154,000 | 7,514 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-43,000 | 8,877 |
| Income before extraordinary items | $197,000 | 6,930 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 6,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $175,000 | 3,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $197,000 | 6,848 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $590,000 | 7,127 |
| Total interest expense | $239,000 | 5,827 |
| Net interest income | $351,000 | 7,534 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $20,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $15,000 | 7,174 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $292,000 | 7,564 |
| Salaries and employee benefits | $142,000 | 7,825 |
| Premises and equipment expense | $70,000 | 5,876 |
| Additional noninterest expense | $80,000 | 7,636 |
| Pre-tax net operating income | $64,000 | 7,694 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-46,000 | 8,963 |
| Income before extraordinary items | $110,000 | 6,699 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $110,000 | 6,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $125,000 | 2,644 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $110,000 | 6,578 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,761,000 | 6,788 |
| Total interest expense | $1,200,000 | 5,571 |
| Net interest income | $1,561,000 | 7,269 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $88,000 | 8,429 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $65,000 | 7,186 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $23,000 | 8,335 |
| Total noninterest expense | $1,218,000 | 7,442 |
| Salaries and employee benefits | $521,000 | 8,008 |
| Premises and equipment expense | $318,000 | 5,483 |
| Additional noninterest expense | $379,000 | 7,280 |
| Pre-tax net operating income | $371,000 | 7,153 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $138,000 | 5,380 |
| Income before extraordinary items | $233,000 | 7,600 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $233,000 | 7,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,889 |
| Cash dividends | $50,000 | 5,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $233,000 | 7,468 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,166,000 | 6,729 |
| Total interest expense | $935,000 | 5,583 |
| Net interest income | $1,231,000 | 7,190 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $83,000 | 8,262 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $65,000 | 6,831 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 8,330 |
| Total noninterest expense | $933,000 | 7,371 |
| Salaries and employee benefits | $403,000 | 7,918 |
| Premises and equipment expense | $234,000 | 5,535 |
| Additional noninterest expense | $296,000 | 7,173 |
| Pre-tax net operating income | $336,000 | 7,010 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $126,000 | 5,319 |
| Income before extraordinary items | $210,000 | 7,533 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $210,000 | 7,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $50,000 | 5,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $210,000 | 7,373 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,492,000 | 6,673 |
| Total interest expense | $639,000 | 5,634 |
| Net interest income | $853,000 | 7,107 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $46,000 | 8,450 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $29,000 | 7,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $17,000 | 8,015 |
| Total noninterest expense | $605,000 | 7,466 |
| Salaries and employee benefits | $271,000 | 7,922 |
| Premises and equipment expense | $156,000 | 5,529 |
| Additional noninterest expense | $178,000 | 7,425 |
| Pre-tax net operating income | $264,000 | 6,743 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $99,000 | 5,149 |
| Income before extraordinary items | $165,000 | 7,301 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $165,000 | 7,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $50,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $165,000 | 7,120 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $761,000 | 6,642 |
| Total interest expense | $339,000 | 5,542 |
| Net interest income | $422,000 | 7,143 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $20,000 | 8,615 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $304,000 | 7,483 |
| Salaries and employee benefits | $129,000 | 8,056 |
| Premises and equipment expense | $78,000 | 5,518 |
| Additional noninterest expense | $97,000 | 7,224 |
| Pre-tax net operating income | $123,000 | 6,857 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $46,000 | 5,224 |
| Income before extraordinary items | $77,000 | 7,360 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $77,000 | 7,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,468 |
| Cash dividends | $50,000 | 3,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $77,000 | 7,204 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,125,000 | 6,728 |
| Total interest expense | $1,625,000 | 5,475 |
| Net interest income | $1,500,000 | 7,435 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $91,000 | 8,506 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $60,000 | 7,347 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $1,202,000 | 7,463 |
| Salaries and employee benefits | $515,000 | 8,086 |
| Premises and equipment expense | $325,000 | 5,315 |
| Additional noninterest expense | $362,000 | 7,402 |
| Pre-tax net operating income | $329,000 | 7,447 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $123,000 | 5,756 |
| Income before extraordinary items | $206,000 | 7,807 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $206,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,336 |
| Cash dividends | $125,000 | 5,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $206,000 | 7,703 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,279,000 | 6,948 |
| Total interest expense | $2,005,000 | 6,084 |
| Net interest income | $1,274,000 | 7,735 |
| Provision for loan and lease losses | $44,000 | 6,848 |
| Total noninterest income | $72,000 | 8,881 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $42,000 | 7,759 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $30,000 | 8,341 |
| Total noninterest expense | $1,245,000 | 7,344 |
| Salaries and employee benefits | $513,000 | 8,110 |
| Premises and equipment expense | $336,000 | 5,174 |
| Additional noninterest expense | $396,000 | 7,174 |
| Pre-tax net operating income | $57,000 | 8,520 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $17,000 | 7,390 |
| Income before extraordinary items | $66,000 | 8,531 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $66,000 | 8,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,628 |
| Cash dividends | $175,000 | 5,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $45,200 | 8,540 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,601,000 | 7,809 |
| Total interest expense | $1,509,000 | 7,145 |
| Net interest income | $1,092,000 | 8,303 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $58,000 | 9,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 7,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,181 |
| Total noninterest expense | $954,000 | 8,143 |
| Salaries and employee benefits | $435,000 | 8,579 |
| Premises and equipment expense | $187,000 | 6,963 |
| Additional noninterest expense | $332,000 | 7,695 |
| Pre-tax net operating income | $196,000 | 8,380 |
| Securities gains (losses) | $-8,000 | 8,215 |
| Applicable income taxes | $40,000 | 7,410 |
| Income before extraordinary items | $148,000 | 8,430 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $148,000 | 8,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $150,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $154,320 | 8,395 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 8,084 |
| Total interest expense | $1,239,000 | 7,540 |
| Net interest income | $1,104,000 | 8,395 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $1,542,000 | 2,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,442,000 | 1,434 |
| Total noninterest expense | $1,151,000 | 7,701 |
| Salaries and employee benefits | $474,000 | 8,485 |
| Premises and equipment expense | $252,000 | 6,012 |
| Additional noninterest expense | $425,000 | 7,083 |
| Pre-tax net operating income | $1,459,000 | 4,173 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $529,000 | 3,506 |
| Income before extraordinary items | $930,000 | 4,651 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $930,000 | 4,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $930,000 | 4,616 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,718,000 | 7,852 |
| Total interest expense | $1,325,000 | 7,599 |
| Net interest income | $1,393,000 | 7,918 |
| Provision for loan and lease losses | $32,000 | 7,261 |
| Total noninterest income | $172,000 | 7,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,506 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,037 |
| Total noninterest expense | $1,117,000 | 7,773 |
| Salaries and employee benefits | $469,000 | 8,545 |
| Premises and equipment expense | $249,000 | 5,974 |
| Additional noninterest expense | $399,000 | 7,226 |
| Pre-tax net operating income | $416,000 | 7,783 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $148,000 | 6,865 |
| Income before extraordinary items | $268,000 | 8,122 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $268,000 | 8,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $210,000 | 5,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $268,000 | 8,047 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,453,000 | 8,440 |
| Total interest expense | $1,361,000 | 7,688 |
| Net interest income | $1,092,000 | 8,958 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $150,000 | 8,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,689 |
| Total noninterest expense | $1,044,000 | 8,193 |
| Salaries and employee benefits | $425,000 | 9,101 |
| Premises and equipment expense | $290,000 | 5,546 |
| Additional noninterest expense | $329,000 | 8,029 |
| Pre-tax net operating income | $180,000 | 9,688 |
| Securities gains (losses) | $18,000 | 1,964 |
| Applicable income taxes | $62,000 | 9,053 |
| Income before extraordinary items | $136,000 | 9,714 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $136,000 | 9,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $195,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $123,580 | 9,768 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,200,000 | 9,100 |
| Total interest expense | $1,294,000 | 8,121 |
| Net interest income | $906,000 | 9,823 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $167,000 | 8,742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 6,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 9,697 |
| Total noninterest expense | $1,087,000 | 8,374 |
| Salaries and employee benefits | $395,000 | 9,636 |
| Premises and equipment expense | $264,000 | 6,054 |
| Additional noninterest expense | $428,000 | 7,646 |
| Pre-tax net operating income | $-39,000 | 10,877 |
| Securities gains (losses) | $32,000 | 1,648 |
| Applicable income taxes | $-5,000 | 10,919 |
| Income before extraordinary items | $-2,000 | 10,822 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-2,000 | 10,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,548 |
| Cash dividends | $20,000 | 8,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-22,480 | 10,836 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,982,000 | 9,746 |
| Total interest expense | $1,160,000 | 8,717 |
| Net interest income | $822,000 | 10,471 |
| Provision for loan and lease losses | $75,000 | 5,235 |
| Total noninterest income | $165,000 | 9,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,452 |
| Total noninterest expense | $982,000 | 9,032 |
| Salaries and employee benefits | $382,000 | 10,074 |
| Premises and equipment expense | $214,000 | 6,939 |
| Additional noninterest expense | $386,000 | 8,339 |
| Pre-tax net operating income | $-70,000 | 11,579 |
| Securities gains (losses) | $346,000 | 458 |
| Applicable income taxes | $92,000 | 9,345 |
| Income before extraordinary items | $184,000 | 10,113 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $184,000 | 10,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,371 |
| Cash dividends | $175,000 | 5,792 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 374 |
| Net operating income | $-47,820 | 11,545 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $954,000 | 11,795 |
| Total interest expense | $430,000 | 11,440 |
| Net interest income | $524,000 | 11,930 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $102,000 | 10,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,366 |
| Total noninterest expense | $597,000 | 11,138 |
| Salaries and employee benefits | $256,000 | 11,613 |
| Premises and equipment expense | $102,000 | 9,964 |
| Additional noninterest expense | $239,000 | 10,663 |
| Pre-tax net operating income | $29,000 | 11,993 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $4,000 | 11,509 |
| Income before extraordinary items | $22,000 | 11,960 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $22,000 | 11,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $15,000 | 8,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $24,550 | 11,987 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $437,000 | 13,101 |
| Total interest expense | $184,000 | 13,031 |
| Net interest income | $253,000 | 13,072 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $48,000 | 12,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 10,299 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 13,037 |
| Total noninterest expense | $265,000 | 13,072 |
| Salaries and employee benefits | $145,000 | 13,005 |
| Premises and equipment expense | $38,000 | 12,610 |
| Additional noninterest expense | $82,000 | 13,069 |
| Pre-tax net operating income | $36,000 | 12,244 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $8,000 | 11,870 |
| Income before extraordinary items | $28,000 | 12,387 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $28,000 | 12,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $28,000 | 12,247 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,081,000 | 12,877 |
| Total interest expense | $489,000 | 12,810 |
| Net interest income | $592,000 | 12,734 |
| Provision for loan and lease losses | $18,000 | 10,694 |
| Total noninterest income | $133,000 | 10,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $514,000 | 12,560 |
| Salaries and employee benefits | $266,000 | 12,415 |
| Premises and equipment expense | $90,000 | 11,109 |
| Additional noninterest expense | $158,000 | 12,822 |
| Pre-tax net operating income | $193,000 | 11,136 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $64,000 | 10,889 |
| Income before extraordinary items | $129,000 | 11,554 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $129,000 | 11,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 12,396 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $129,000 | 11,237 |
* 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.