Home > Town & Country Bank > Income and Expense

Town & Country Bank, Income and Expense

2009-06-30 (YTD Data)		Rank
Total interest income	$1,807,000	6,070
Total interest expense	$829,000	5,196
Net interest income	$978,000	6,437
Provision for loan and lease losses	$80,000	5,568
Total noninterest income	$102,000	6,353
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$93,000	4,785
Trading account gains and fees	$0	193
Additional Noninterest Income	$9,000	7,286
Total noninterest expense	$1,055,000	6,170
Salaries and employee benefits	$413,000	6,738
Premises and equipment expense	$124,000	6,186
Additional noninterest expense	$518,000	5,153
Pre-tax net operating income	$-55,000	5,981
Securities gains (losses)	$-9,000	7,469
Applicable income taxes	$-29,000	6,908
Income before extraordinary items	$-35,000	6,025
Extraordinary gains, net	$0	21
Net income	$-35,000	6,024
Minority interest net income	$0	112
Net income of bank and minority interests.	$-35,000	6,024
Net charge-offs	$236,000	3,240
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-29,240	5,943
2009-03-31 (YTD Data)		Rank
Total interest income	$927,000	6,062
Total interest expense	$433,000	5,191
Net interest income	$494,000	6,429
Provision for loan and lease losses	$0	6,744
Total noninterest income	$59,000	6,125
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$43,000	4,885
Trading account gains and fees	$0	171
Additional Noninterest Income	$16,000	6,411
Total noninterest expense	$521,000	6,167
Salaries and employee benefits	$203,000	6,821
Premises and equipment expense	$66,000	6,081
Additional noninterest expense	$252,000	4,929
Pre-tax net operating income	$32,000	5,858
Securities gains (losses)	$-20,000	7,871
Applicable income taxes	$-7,000	7,165
Income before extraordinary items	$19,000	6,171
Extraordinary gains, net	$0	15
Net income	$19,000	6,173
Minority interest net income	$0	102
Net income of bank and minority interests.	$19,000	6,173
Net charge-offs	$65,000	3,293
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$39,000	5,691
2008-12-31 (YTD Data)		Rank
Total interest income	$3,651,000	6,233
Total interest expense	$1,996,000	5,307
Net interest income	$1,655,000	6,819
Provision for loan and lease losses	$50,000	6,569
Total noninterest income	$250,000	6,134
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$185,000	4,937
Trading account gains and fees	$0	154
Additional Noninterest Income	$65,000	6,475
Total noninterest expense	$1,959,000	6,283
Salaries and employee benefits	$898,000	6,655
Premises and equipment expense	$227,000	6,445
Additional noninterest expense	$834,000	5,368
Pre-tax net operating income	$-104,000	6,454
Securities gains (losses)	$-296,000	7,425
Applicable income taxes	$-116,000	7,112
Income before extraordinary items	$-284,000	6,561
Extraordinary gains, net	$0	39
Net income	$-284,000	6,561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$140,000	4,567
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-73,840	6,472
2008-09-30 (YTD Data)		Rank
Total interest income	$2,732,000	6,307
Total interest expense	$1,489,000	5,451
Net interest income	$1,243,000	6,869
Provision for loan and lease losses	$50,000	5,872
Total noninterest income	$173,000	6,378
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$136,000	5,015
Trading account gains and fees	$0	148
Additional Noninterest Income	$37,000	6,915
Total noninterest expense	$1,482,000	6,251
Salaries and employee benefits	$709,000	6,575
Premises and equipment expense	$169,000	6,490
Additional noninterest expense	$604,000	5,403
Pre-tax net operating income	$-116,000	6,934
Securities gains (losses)	$-296,000	7,664
Applicable income taxes	$-108,000	7,546
Income before extraordinary items	$-304,000	7,025
Extraordinary gains, net	$0	31
Net income	$-304,000	7,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	4,764
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-84,960	6,930
2008-06-30 (YTD Data)		Rank
Total interest income	$1,830,000	6,348
Total interest expense	$998,000	5,582
Net interest income	$832,000	6,878
Provision for loan and lease losses	$0	6,671
Total noninterest income	$123,000	6,326
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$81,000	5,221
Trading account gains and fees	$0	149
Additional Noninterest Income	$42,000	6,364
Total noninterest expense	$1,002,000	6,263
Salaries and employee benefits	$476,000	6,602
Premises and equipment expense	$112,000	6,544
Additional noninterest expense	$414,000	5,324
Pre-tax net operating income	$-47,000	7,086
Securities gains (losses)	$0	3,233
Applicable income taxes	$-23,000	7,676
Income before extraordinary items	$-24,000	7,084
Extraordinary gains, net	$0	21
Net income	$-24,000	7,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,853
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-24,000	7,048
2008-03-31 (YTD Data)		Rank
Total interest income	$902,000	6,455
Total interest expense	$495,000	5,793
Net interest income	$407,000	6,973
Provision for loan and lease losses	$0	6,080
Total noninterest income	$50,000	6,671
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$38,000	5,321
Trading account gains and fees	$0	158
Additional Noninterest Income	$12,000	7,050
Total noninterest expense	$475,000	6,431
Salaries and employee benefits	$218,000	6,816
Premises and equipment expense	$57,000	6,526
Additional noninterest expense	$200,000	5,379
Pre-tax net operating income	$-18,000	7,272
Securities gains (losses)	$0	2,688
Applicable income taxes	$-11,000	7,849
Income before extraordinary items	$-7,000	7,321
Extraordinary gains, net	$0	15
Net income	$-7,000	7,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,920
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-7,000	7,239
2007-12-31 (YTD Data)		Rank
Total interest income	$3,824,000	6,322
Total interest expense	$2,190,000	5,624
Net interest income	$1,634,000	6,949
Provision for loan and lease losses	$330,000	3,017
Total noninterest income	$210,000	6,677
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$156,000	5,358
Trading account gains and fees	$0	178
Additional Noninterest Income	$54,000	7,021
Total noninterest expense	$1,722,000	6,581
Salaries and employee benefits	$849,000	6,846
Premises and equipment expense	$218,000	6,546
Additional noninterest expense	$655,000	5,914
Pre-tax net operating income	$-208,000	7,653
Securities gains (losses)	$0	2,146
Applicable income taxes	$-88,000	8,006
Income before extraordinary items	$-120,000	7,646
Extraordinary gains, net	$0	39
Net income	$-120,000	7,644
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	4,049
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-120,000	7,624
2007-09-30 (YTD Data)		Rank
Total interest income	$2,875,000	6,353
Total interest expense	$1,660,000	5,610
Net interest income	$1,215,000	7,014
Provision for loan and lease losses	$205,000	2,962
Total noninterest income	$150,000	6,777
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$111,000	5,460
Trading account gains and fees	$0	184
Additional Noninterest Income	$39,000	7,085
Total noninterest expense	$1,262,000	6,642
Salaries and employee benefits	$637,000	6,809
Premises and equipment expense	$165,000	6,549
Additional noninterest expense	$460,000	6,029
Pre-tax net operating income	$-102,000	7,807
Securities gains (losses)	$0	1,655
Applicable income taxes	$-45,000	8,145
Income before extraordinary items	$-57,000	7,794
Extraordinary gains, net	$0	33
Net income	$-57,000	7,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	3,750
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$-57,000	7,775
2007-06-30 (YTD Data)		Rank
Total interest income	$1,948,000	6,354
Total interest expense	$1,134,000	5,540
Net interest income	$814,000	7,046
Provision for loan and lease losses	$15,000	5,502
Total noninterest income	$111,000	6,665
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$72,000	5,542
Trading account gains and fees	$0	168
Additional Noninterest Income	$39,000	6,648
Total noninterest expense	$881,000	6,569
Salaries and employee benefits	$459,000	6,680
Premises and equipment expense	$115,000	6,479
Additional noninterest expense	$307,000	6,059
Pre-tax net operating income	$29,000	7,643
Securities gains (losses)	$0	1,444
Applicable income taxes	$-9,000	8,140
Income before extraordinary items	$38,000	7,568
Extraordinary gains, net	$0	29
Net income	$38,000	7,567
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	3,311
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$38,000	7,555
2007-03-31 (YTD Data)		Rank
Total interest income	$1,013,000	6,297
Total interest expense	$583,000	5,459
Net interest income	$430,000	6,953
Provision for loan and lease losses	$15,000	4,592
Total noninterest income	$53,000	6,742
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$32,000	5,690
Trading account gains and fees	$0	195
Additional Noninterest Income	$21,000	6,540
Total noninterest expense	$478,000	6,396
Salaries and employee benefits	$256,000	6,477
Premises and equipment expense	$61,000	6,362
Additional noninterest expense	$161,000	5,913
Pre-tax net operating income	$-10,000	7,903
Securities gains (losses)	$0	1,187
Applicable income taxes	$-10,000	8,245
Income before extraordinary items	$0	7,856
Extraordinary gains, net	$0	22
Net income	$0	7,855
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	2,471
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$0	7,840
2006-12-31 (YTD Data)		Rank
Total interest income	$3,924,000	6,169
Total interest expense	$2,121,000	5,240
Net interest income	$1,803,000	6,794
Provision for loan and lease losses	$46,000	5,701
Total noninterest income	$389,000	5,667
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$215,000	4,835
Trading account gains and fees	$0	130
Additional Noninterest Income	$174,000	5,362
Total noninterest expense	$1,716,000	6,553
Salaries and employee benefits	$898,000	6,665
Premises and equipment expense	$221,000	6,502
Additional noninterest expense	$597,000	6,077
Pre-tax net operating income	$430,000	6,698
Securities gains (losses)	$0	1,687
Applicable income taxes	$95,000	5,003
Income before extraordinary items	$335,000	6,764
Extraordinary gains, net	$0	51
Net income	$335,000	6,767
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,076
Cash dividends	$75,000	5,570
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$335,000	6,769
2006-09-30 (YTD Data)		Rank
Total interest income	$2,902,000	6,231
Total interest expense	$1,542,000	5,262
Net interest income	$1,360,000	6,869
Provision for loan and lease losses	$22,000	5,933
Total noninterest income	$297,000	5,657
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$166,000	4,817
Trading account gains and fees	$0	126
Additional Noninterest Income	$131,000	5,373
Total noninterest expense	$1,281,000	6,590
Salaries and employee benefits	$677,000	6,653
Premises and equipment expense	$167,000	6,509
Additional noninterest expense	$437,000	6,148
Pre-tax net operating income	$354,000	6,763
Securities gains (losses)	$0	1,388
Applicable income taxes	$86,000	5,054
Income before extraordinary items	$268,000	6,885
Extraordinary gains, net	$0	45
Net income	$268,000	6,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	3,707
Cash dividends	$75,000	4,879
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$268,000	6,888
2006-06-30 (YTD Data)		Rank
Total interest income	$1,924,000	6,220
Total interest expense	$985,000	5,266
Net interest income	$939,000	6,818
Provision for loan and lease losses	$8,000	6,090
Total noninterest income	$197,000	5,672
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$108,000	4,845
Trading account gains and fees	$0	126
Additional Noninterest Income	$89,000	5,375
Total noninterest expense	$829,000	6,684
Salaries and employee benefits	$430,000	6,804
Premises and equipment expense	$111,000	6,530
Additional noninterest expense	$288,000	6,191
Pre-tax net operating income	$299,000	6,469
Securities gains (losses)	$0	1,185
Applicable income taxes	$85,000	4,722
Income before extraordinary items	$214,000	6,647
Extraordinary gains, net	$0	39
Net income	$214,000	6,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,609
Cash dividends	$75,000	4,579
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$214,000	6,650
2006-03-31 (YTD Data)		Rank
Total interest income	$941,000	6,242
Total interest expense	$467,000	5,304
Net interest income	$474,000	6,814
Provision for loan and lease losses	$0	6,013
Total noninterest income	$95,000	5,710
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$53,000	4,817
Trading account gains and fees	$0	115
Additional Noninterest Income	$42,000	5,444
Total noninterest expense	$412,000	6,700
Salaries and employee benefits	$213,000	6,833
Premises and equipment expense	$56,000	6,526
Additional noninterest expense	$143,000	6,200
Pre-tax net operating income	$157,000	6,325
Securities gains (losses)	$0	955
Applicable income taxes	$46,000	4,590
Income before extraordinary items	$111,000	6,555
Extraordinary gains, net	$0	21
Net income	$111,000	6,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,757
Cash dividends	$75,000	3,324
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$111,000	6,552
2005-12-31 (YTD Data)		Rank
Total interest income	$3,510,000	6,175
Total interest expense	$1,546,000	5,153
Net interest income	$1,964,000	6,680
Provision for loan and lease losses	$91,000	4,957
Total noninterest income	$437,000	5,536
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$169,000	5,396
Trading account gains and fees	$0	138
Additional Noninterest Income	$268,000	4,584
Total noninterest expense	$1,571,000	6,767
Salaries and employee benefits	$806,000	6,915
Premises and equipment expense	$224,000	6,481
Additional noninterest expense	$541,000	6,344
Pre-tax net operating income	$739,000	6,045
Securities gains (losses)	$0	2,296
Applicable income taxes	$231,000	4,475
Income before extraordinary items	$508,000	6,333
Extraordinary gains, net	$0	46
Net income	$508,000	6,338
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	4,584
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$508,000	6,308
2005-09-30 (YTD Data)		Rank
Total interest income	$2,576,000	6,228
Total interest expense	$1,119,000	5,131
Net interest income	$1,457,000	6,737
Provision for loan and lease losses	$43,000	5,499
Total noninterest income	$323,000	5,602
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$126,000	5,431
Trading account gains and fees	$0	126
Additional Noninterest Income	$197,000	4,633
Total noninterest expense	$1,179,000	6,763
Salaries and employee benefits	$613,000	6,866
Premises and equipment expense	$167,000	6,464
Additional noninterest expense	$399,000	6,362
Pre-tax net operating income	$558,000	6,177
Securities gains (losses)	$0	2,317
Applicable income taxes	$174,000	4,624
Income before extraordinary items	$384,000	6,456
Extraordinary gains, net	$0	35
Net income	$384,000	6,457
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	4,476
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$384,000	6,415
2005-06-30 (YTD Data)		Rank
Total interest income	$1,687,000	6,222
Total interest expense	$716,000	5,073
Net interest income	$971,000	6,735
Provision for loan and lease losses	$21,000	5,614
Total noninterest income	$196,000	5,783
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$78,000	5,536
Trading account gains and fees	$0	116
Additional Noninterest Income	$118,000	4,849
Total noninterest expense	$781,000	6,792
Salaries and employee benefits	$408,000	6,861
Premises and equipment expense	$111,000	6,473
Additional noninterest expense	$262,000	6,382
Pre-tax net operating income	$365,000	6,194
Securities gains (losses)	$0	2,146
Applicable income taxes	$113,000	4,654
Income before extraordinary items	$252,000	6,498
Extraordinary gains, net	$0	30
Net income	$252,000	6,500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,029
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$252,000	6,453
2005-03-31 (YTD Data)		Rank
Total interest income	$819,000	6,320
Total interest expense	$339,000	5,138
Net interest income	$480,000	6,813
Provision for loan and lease losses	$9,000	5,480
Total noninterest income	$83,000	6,080
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$39,000	5,509
Trading account gains and fees	$0	115
Additional Noninterest Income	$44,000	5,463
Total noninterest expense	$396,000	6,792
Salaries and employee benefits	$211,000	6,845
Premises and equipment expense	$55,000	6,532
Additional noninterest expense	$130,000	6,436
Pre-tax net operating income	$158,000	6,458
Securities gains (losses)	$0	1,685
Applicable income taxes	$47,000	4,839
Income before extraordinary items	$111,000	6,711
Extraordinary gains, net	$0	24
Net income	$111,000	6,713
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$111,000	6,680
2004-12-31 (YTD Data)		Rank
Total interest income	$2,965,000	6,458
Total interest expense	$1,141,000	5,266
Net interest income	$1,824,000	6,861
Provision for loan and lease losses	$67,000	5,546
Total noninterest income	$463,000	5,455
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$181,000	5,421
Trading account gains and fees	$0	138
Additional Noninterest Income	$282,000	4,385
Total noninterest expense	$1,482,000	6,913
Salaries and employee benefits	$755,000	7,098
Premises and equipment expense	$206,000	6,689
Additional noninterest expense	$521,000	6,420
Pre-tax net operating income	$738,000	5,987
Securities gains (losses)	$0	3,819
Applicable income taxes	$234,000	4,540
Income before extraordinary items	$504,000	6,346
Extraordinary gains, net	$0	34
Net income	$504,000	6,350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,079
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$504,000	6,276
2004-09-30 (YTD Data)		Rank
Total interest income	$2,167,000	6,543
Total interest expense	$824,000	5,370
Net interest income	$1,343,000	6,921
Provision for loan and lease losses	$67,000	4,990
Total noninterest income	$347,000	5,497
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$134,000	5,497
Trading account gains and fees	$0	134
Additional Noninterest Income	$213,000	4,376
Total noninterest expense	$1,114,000	6,891
Salaries and employee benefits	$568,000	7,037
Premises and equipment expense	$149,000	6,746
Additional noninterest expense	$397,000	6,330
Pre-tax net operating income	$509,000	6,284
Securities gains (losses)	$0	3,710
Applicable income taxes	$159,000	4,763
Income before extraordinary items	$350,000	6,609
Extraordinary gains, net	$0	26
Net income	$350,000	6,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,357
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$350,000	6,538
2004-06-30 (YTD Data)		Rank
Total interest income	$1,392,000	6,686
Total interest expense	$522,000	5,531
Net interest income	$870,000	7,029
Provision for loan and lease losses	$25,000	5,618
Total noninterest income	$227,000	5,535
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$88,000	5,534
Trading account gains and fees	$0	130
Additional Noninterest Income	$139,000	4,459
Total noninterest expense	$741,000	6,926
Salaries and employee benefits	$376,000	7,104
Premises and equipment expense	$95,000	6,896
Additional noninterest expense	$270,000	6,293
Pre-tax net operating income	$331,000	6,301
Securities gains (losses)	$0	3,413
Applicable income taxes	$104,000	4,795
Income before extraordinary items	$227,000	6,655
Extraordinary gains, net	$0	21
Net income	$227,000	6,655
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	4,897
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$227,000	6,570
2004-03-31 (YTD Data)		Rank
Total interest income	$673,000	6,813
Total interest expense	$246,000	5,755
Net interest income	$427,000	7,107
Provision for loan and lease losses	$0	6,501
Total noninterest income	$116,000	5,420
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$47,000	5,338
Trading account gains and fees	$0	121
Additional Noninterest Income	$69,000	4,468
Total noninterest expense	$337,000	7,222
Salaries and employee benefits	$181,000	7,244
Premises and equipment expense	$36,000	7,453
Additional noninterest expense	$120,000	6,670
Pre-tax net operating income	$206,000	5,757
Securities gains (losses)	$0	2,934
Applicable income taxes	$69,000	4,370
Income before extraordinary items	$137,000	6,218
Extraordinary gains, net	$0	16
Net income	$137,000	6,217
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$137,000	6,111
2003-12-31 (YTD Data)		Rank
Total interest income	$2,597,000	6,939
Total interest expense	$956,000	6,243
Net interest income	$1,641,000	7,153
Provision for loan and lease losses	$199,000	4,051
Total noninterest income	$954,000	3,817
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$152,000	5,836
Trading account gains and fees	$0	160
Additional Noninterest Income	$802,000	2,734
Total noninterest expense	$1,115,000	7,645
Salaries and employee benefits	$596,000	7,711
Premises and equipment expense	$111,000	7,926
Additional noninterest expense	$408,000	7,107
Pre-tax net operating income	$1,281,000	4,516
Securities gains (losses)	$0	4,500
Applicable income taxes	$456,000	3,548
Income before extraordinary items	$825,000	5,162
Extraordinary gains, net	$0	54
Net income	$825,000	5,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	5,943
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$825,000	5,004
2003-09-30 (YTD Data)		Rank
Total interest income	$1,912,000	7,074
Total interest expense	$710,000	6,423
Net interest income	$1,202,000	7,256
Provision for loan and lease losses	$134,000	4,182
Total noninterest income	$850,000	3,493
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$116,000	5,850
Trading account gains and fees	$0	153
Additional Noninterest Income	$734,000	2,482
Total noninterest expense	$798,000	7,740
Salaries and employee benefits	$428,000	7,782
Premises and equipment expense	$78,000	8,039
Additional noninterest expense	$292,000	7,214
Pre-tax net operating income	$1,120,000	4,270
Securities gains (losses)	$0	4,204
Applicable income taxes	$402,000	3,409
Income before extraordinary items	$718,000	4,926
Extraordinary gains, net	$0	40
Net income	$718,000	4,926
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,765
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$718,000	4,733
2003-06-30 (YTD Data)		Rank
Total interest income	$1,253,000	7,170
Total interest expense	$468,000	6,575
Net interest income	$785,000	7,327
Provision for loan and lease losses	$72,000	4,482
Total noninterest income	$573,000	3,469
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$77,000	5,845
Trading account gains and fees	$0	150
Additional Noninterest Income	$496,000	2,451
Total noninterest expense	$511,000	7,845
Salaries and employee benefits	$280,000	7,854
Premises and equipment expense	$50,000	8,086
Additional noninterest expense	$181,000	7,379
Pre-tax net operating income	$775,000	4,139
Securities gains (losses)	$0	3,782
Applicable income taxes	$278,000	3,369
Income before extraordinary items	$497,000	4,815
Extraordinary gains, net	$0	30
Net income	$497,000	4,814
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	5,638
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$497,000	4,604
2003-03-31 (YTD Data)		Rank
Total interest income	$611,000	7,265
Total interest expense	$232,000	6,686
Net interest income	$379,000	7,416
Provision for loan and lease losses	$43,000	4,044
Total noninterest income	$211,000	4,034
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$37,000	5,850
Trading account gains and fees	$0	134
Additional Noninterest Income	$174,000	2,958
Total noninterest expense	$247,000	7,958
Salaries and employee benefits	$126,000	8,092
Premises and equipment expense	$26,000	8,056
Additional noninterest expense	$95,000	7,280
Pre-tax net operating income	$300,000	4,784
Securities gains (losses)	$0	2,891
Applicable income taxes	$105,000	3,848
Income before extraordinary items	$195,000	5,397
Extraordinary gains, net	$0	21
Net income	$195,000	5,395
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,384
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$195,000	5,203
2002-12-31 (YTD Data)		Rank
Total interest income	$2,287,000	7,549
Total interest expense	$985,000	6,971
Net interest income	$1,302,000	7,765
Provision for loan and lease losses	$159,000	4,820
Total noninterest income	$736,000	4,203
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$113,000	6,354
Trading account gains and fees	$0	153
Additional Noninterest Income	$623,000	2,902
Total noninterest expense	$923,000	8,103
Salaries and employee benefits	$425,000	8,422
Premises and equipment expense	$101,000	8,155
Additional noninterest expense	$397,000	7,176
Pre-tax net operating income	$956,000	5,323
Securities gains (losses)	$0	4,537
Applicable income taxes	$333,000	4,257
Income before extraordinary items	$623,000	5,869
Extraordinary gains, net	$0	70
Net income	$623,000	5,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,374
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$623,000	5,737
2001-12-31 (YTD Data)		Rank
Total interest income	$1,901,000	8,317
Total interest expense	$1,019,000	7,987
Net interest income	$882,000	8,510
Provision for loan and lease losses	$123,000	5,150
Total noninterest income	$378,000	5,834
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$46,000	7,679
Trading account gains and fees	$0	177
Additional Noninterest Income	$332,000	3,898
Total noninterest expense	$754,000	8,558
Salaries and employee benefits	$344,000	8,868
Premises and equipment expense	$86,000	8,531
Additional noninterest expense	$324,000	7,678
Pre-tax net operating income	$383,000	7,055
Securities gains (losses)	$0	4,612
Applicable income taxes	$113,000	5,852
Income before extraordinary items	$270,000	7,313
Extraordinary gains, net	$0	105
Net income	$270,000	7,315
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,011
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$270,000	7,195
2000-12-31 (YTD Data)		Rank
Total interest income	$1,752,000	8,681
Total interest expense	$1,081,000	8,058
Net interest income	$671,000	9,174
Provision for loan and lease losses	$60,000	6,179
Total noninterest income	$72,000	9,004
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	7,530
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,043
Total noninterest expense	$642,000	8,994
Salaries and employee benefits	$241,000	9,490
Premises and equipment expense	$97,000	8,499
Additional noninterest expense	$304,000	7,913
Pre-tax net operating income	$41,000	8,988
Securities gains (losses)	$-1,000	7,406
Applicable income taxes	$-18,000	9,369
Income before extraordinary items	$58,000	8,931
Extraordinary gains, net	$0	38
Net income	$58,000	8,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,408
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$470,000	550
Net operating income	$59,000	8,912
1999-12-31 (YTD Data)		Rank
Total interest income	$1,214,000	9,408
Total interest expense	$616,000	9,166
Net interest income	$598,000	9,515
Provision for loan and lease losses	$42,000	6,798
Total noninterest income	$48,000	9,614
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	8,186
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	9,578
Total noninterest expense	$302,000	10,056
Salaries and employee benefits	$145,000	10,053
Premises and equipment expense	$40,000	9,825
Additional noninterest expense	$117,000	9,798
Pre-tax net operating income	$302,000	8,084
Securities gains (losses)	$0	3,155
Applicable income taxes	$79,000	7,204
Income before extraordinary items	$223,000	8,129
Extraordinary gains, net	$0	35
Net income	$223,000	8,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,586
Cash dividends	$200,000	5,191
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$223,000	8,102
1998-12-31 (YTD Data)		Rank
Total interest income	$1,192,000	9,666
Total interest expense	$617,000	9,430
Net interest income	$575,000	9,791
Provision for loan and lease losses	$19,000	7,809
Total noninterest income	$58,000	9,719
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$38,000	8,333
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	9,482
Total noninterest expense	$324,000	10,210
Salaries and employee benefits	$150,000	10,268
Premises and equipment expense	$35,000	10,109
Additional noninterest expense	$139,000	9,764
Pre-tax net operating income	$290,000	8,453
Securities gains (losses)	$2,000	3,909
Applicable income taxes	$73,000	7,940
Income before extraordinary items	$219,000	8,481
Extraordinary gains, net	$0	32
Net income	$219,000	8,480
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,174
Cash dividends	$200,000	5,324
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$217,500	8,413
1997-12-31 (YTD Data)		Rank
Total interest income	$1,231,000	10,027
Total interest expense	$624,000	9,762
Net interest income	$607,000	10,169
Provision for loan and lease losses	$48,000	6,747
Total noninterest income	$57,000	10,156
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	8,648
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	10,083
Total noninterest expense	$310,000	10,680
Salaries and employee benefits	$155,000	10,711
Premises and equipment expense	$33,000	10,570
Additional noninterest expense	$122,000	10,319
Pre-tax net operating income	$306,000	8,966
Securities gains (losses)	$-1,000	9,009
Applicable income taxes	$82,000	8,717
Income before extraordinary items	$223,000	8,960
Extraordinary gains, net	$0	44
Net income	$223,000	8,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,617
Cash dividends	$200,000	5,346
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$223,730	8,924
1996-12-31 (YTD Data)		Rank
Total interest income	$1,179,000	10,548
Total interest expense	$595,000	10,291
Net interest income	$584,000	10,700
Provision for loan and lease losses	$22,000	7,876
Total noninterest income	$64,000	10,602
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	9,214
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$327,000	11,158
Salaries and employee benefits	$134,000	11,283
Premises and equipment expense	$38,000	10,966
Additional noninterest expense	$155,000	10,489
Pre-tax net operating income	$299,000	9,141
Securities gains (losses)	$-3,000	9,684
Applicable income taxes	$68,000	9,357
Income before extraordinary items	$228,000	9,022
Extraordinary gains, net	$0	53
Net income	$228,000	9,026
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,676
Cash dividends	$180,000	5,668
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$230,310	8,938
1995-12-31 (YTD Data)		Rank
Total interest income	$1,205,000	10,975
Total interest expense	$615,000	10,617
Net interest income	$590,000	11,157
Provision for loan and lease losses	$4,000	8,753
Total noninterest income	$73,000	10,885
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$30,000	9,793
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	9,575
Total noninterest expense	$372,000	11,527
Salaries and employee benefits	$149,000	11,746
Premises and equipment expense	$41,000	11,355
Additional noninterest expense	$182,000	10,657
Pre-tax net operating income	$287,000	9,850
Securities gains (losses)	$-4,000	9,551
Applicable income taxes	$49,000	10,213
Income before extraordinary items	$234,000	9,560
Extraordinary gains, net	$0	65
Net income	$234,000	9,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,709
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$237,320	9,516
1994-12-31 (YTD Data)		Rank
Total interest income	$1,139,000	11,460
Total interest expense	$488,000	11,155
Net interest income	$651,000	11,549
Provision for loan and lease losses	$-8,000	11,743
Total noninterest income	$133,000	10,059
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$32,000	10,262
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	7,482
Total noninterest expense	$488,000	11,679
Salaries and employee benefits	$225,000	11,883
Premises and equipment expense	$56,000	11,432
Additional noninterest expense	$207,000	11,059
Pre-tax net operating income	$304,000	10,118
Securities gains (losses)	$-3,000	9,178
Applicable income taxes	$34,000	10,845
Income before extraordinary items	$267,000	9,524
Extraordinary gains, net	$0	249
Net income	$267,000	9,533
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,731
Cash dividends	$220,000	5,230
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$269,670	9,547
1993-12-31 (YTD Data)		Rank
Total interest income	$1,181,000	11,927
Total interest expense	$477,000	11,793
Net interest income	$704,000	11,864
Provision for loan and lease losses	$8,000	9,904
Total noninterest income	$62,000	12,252
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	10,371
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,957
Total noninterest expense	$412,000	12,592
Salaries and employee benefits	$206,000	12,584
Premises and equipment expense	$40,000	12,537
Additional noninterest expense	$166,000	12,201
Pre-tax net operating income	$346,000	9,841
Securities gains (losses)	$3,000	6,505
Applicable income taxes	$100,000	9,745
Income before extraordinary items	$249,000	10,054
Extraordinary gains, net	$0	3,149
Net income	$249,000	10,197
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	8,555
Cash dividends	$235,000	5,068
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$246,870	9,840
1992-12-31 (YTD Data)		Rank
Total interest income	$1,335,000	12,318
Total interest expense	$641,000	12,109
Net interest income	$694,000	12,339
Provision for loan and lease losses	$34,000	9,820
Total noninterest income	$50,000	13,106
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	11,097
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	12,470
Total noninterest expense	$414,000	13,088
Salaries and employee benefits	$205,000	13,100
Premises and equipment expense	$40,000	13,061
Additional noninterest expense	$169,000	12,668
Pre-tax net operating income	$296,000	10,177
Securities gains (losses)	$10,000	6,439
Applicable income taxes	$94,000	10,072
Income before extraordinary items	$212,000	10,438
Extraordinary gains, net	$0	1,422
Net income	$212,000	10,576
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	9,428
Cash dividends	$115,000	6,307
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$205,100	10,185

* 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.