Home > Tri-County National Bank > Income and Expense
Tri-County National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,816,000 | 5,011 |
| Total interest expense | $2,037,000 | 5,065 |
| Net interest income | $2,779,000 | 4,868 |
| Provision for loan and lease losses | $65,000 | 4,761 |
| Total noninterest income | $708,000 | 3,660 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $646,000 | 1,991 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $62,000 | 6,500 |
| Total noninterest expense | $2,803,000 | 4,300 |
| Salaries and employee benefits | $1,291,000 | 4,864 |
| Premises and equipment expense | $432,000 | 3,944 |
| Additional noninterest expense | $1,080,000 | 3,484 |
| Pre-tax net operating income | $619,000 | 5,380 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $202,000 | 3,712 |
| Income before extraordinary items | $417,000 | 5,744 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $417,000 | 5,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,218 |
| Cash dividends | $100,000 | 4,663 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 407 |
| Net operating income | $417,000 | 5,732 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,151,000 | 5,086 |
| Total interest expense | $1,336,000 | 5,114 |
| Net interest income | $1,815,000 | 4,969 |
| Provision for loan and lease losses | $36,000 | 4,731 |
| Total noninterest income | $403,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $363,000 | 2,287 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $40,000 | 6,612 |
| Total noninterest expense | $1,769,000 | 4,492 |
| Salaries and employee benefits | $829,000 | 5,016 |
| Premises and equipment expense | $276,000 | 4,091 |
| Additional noninterest expense | $664,000 | 3,708 |
| Pre-tax net operating income | $413,000 | 5,444 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $134,000 | 3,788 |
| Income before extraordinary items | $279,000 | 5,810 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $279,000 | 5,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,915 |
| Cash dividends | $100,000 | 4,292 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 295 |
| Net operating income | $279,000 | 5,798 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,564,000 | 5,104 |
| Total interest expense | $655,000 | 5,148 |
| Net interest income | $909,000 | 4,964 |
| Provision for loan and lease losses | $18,000 | 4,475 |
| Total noninterest income | $199,000 | 4,031 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $168,000 | 2,378 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $31,000 | 5,926 |
| Total noninterest expense | $864,000 | 4,568 |
| Salaries and employee benefits | $391,000 | 5,243 |
| Premises and equipment expense | $178,000 | 3,422 |
| Additional noninterest expense | $295,000 | 4,028 |
| Pre-tax net operating income | $226,000 | 5,256 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $78,000 | 3,616 |
| Income before extraordinary items | $148,000 | 5,674 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $148,000 | 5,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 170 |
| Net operating income | $148,000 | 5,658 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,839,000 | 5,104 |
| Total interest expense | $2,304,000 | 5,038 |
| Net interest income | $3,535,000 | 5,026 |
| Provision for loan and lease losses | $73,000 | 5,124 |
| Total noninterest income | $697,000 | 4,366 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $636,000 | 2,569 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $61,000 | 7,036 |
| Total noninterest expense | $3,274,000 | 4,602 |
| Salaries and employee benefits | $1,469,000 | 5,269 |
| Premises and equipment expense | $578,000 | 3,872 |
| Additional noninterest expense | $1,227,000 | 3,864 |
| Pre-tax net operating income | $885,000 | 5,441 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $289,000 | 3,865 |
| Income before extraordinary items | $596,000 | 5,833 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $596,000 | 5,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,880 |
| Cash dividends | $520,000 | 3,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $596,000 | 5,826 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,304,000 | 5,147 |
| Total interest expense | $1,666,000 | 5,055 |
| Net interest income | $2,638,000 | 5,075 |
| Provision for loan and lease losses | $55,000 | 4,965 |
| Total noninterest income | $593,000 | 4,089 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $467,000 | 2,613 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $126,000 | 5,445 |
| Total noninterest expense | $2,450,000 | 4,603 |
| Salaries and employee benefits | $1,077,000 | 5,322 |
| Premises and equipment expense | $438,000 | 3,854 |
| Additional noninterest expense | $935,000 | 3,819 |
| Pre-tax net operating income | $726,000 | 5,430 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $237,000 | 3,925 |
| Income before extraordinary items | $489,000 | 5,805 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $489,000 | 5,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,128 |
| Cash dividends | $360,000 | 3,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $489,000 | 5,810 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,821,000 | 5,168 |
| Total interest expense | $1,059,000 | 5,079 |
| Net interest income | $1,762,000 | 5,091 |
| Provision for loan and lease losses | $36,000 | 4,837 |
| Total noninterest income | $389,000 | 4,106 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $292,000 | 2,719 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $97,000 | 5,198 |
| Total noninterest expense | $1,628,000 | 4,616 |
| Salaries and employee benefits | $723,000 | 5,312 |
| Premises and equipment expense | $259,000 | 4,184 |
| Additional noninterest expense | $646,000 | 3,690 |
| Pre-tax net operating income | $487,000 | 5,470 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $162,000 | 3,902 |
| Income before extraordinary items | $325,000 | 5,845 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $325,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,181 |
| Cash dividends | $250,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $325,000 | 5,844 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,385,000 | 5,169 |
| Total interest expense | $492,000 | 5,158 |
| Net interest income | $893,000 | 5,062 |
| Provision for loan and lease losses | $18,000 | 4,638 |
| Total noninterest income | $194,000 | 4,062 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $129,000 | 2,926 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,564 |
| Total noninterest expense | $812,000 | 4,646 |
| Salaries and employee benefits | $394,000 | 5,063 |
| Premises and equipment expense | $125,000 | 4,297 |
| Additional noninterest expense | $293,000 | 3,968 |
| Pre-tax net operating income | $257,000 | 5,316 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $84,000 | 3,828 |
| Income before extraordinary items | $173,000 | 5,647 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $173,000 | 5,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $125,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $173,000 | 5,638 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,138,000 | 5,072 |
| Total interest expense | $1,595,000 | 5,084 |
| Net interest income | $3,543,000 | 4,982 |
| Provision for loan and lease losses | $69,000 | 5,330 |
| Total noninterest income | $669,000 | 4,512 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $544,000 | 2,874 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $125,000 | 6,044 |
| Total noninterest expense | $3,251,000 | 4,521 |
| Salaries and employee benefits | $1,556,000 | 4,930 |
| Premises and equipment expense | $455,000 | 4,457 |
| Additional noninterest expense | $1,240,000 | 3,766 |
| Pre-tax net operating income | $892,000 | 5,651 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $281,000 | 4,217 |
| Income before extraordinary items | $612,000 | 5,964 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $612,000 | 5,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,287 |
| Cash dividends | $475,000 | 3,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $611,310 | 5,937 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,773,000 | 5,102 |
| Total interest expense | $1,131,000 | 5,103 |
| Net interest income | $2,642,000 | 5,013 |
| Provision for loan and lease losses | $51,000 | 5,162 |
| Total noninterest income | $496,000 | 4,565 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $400,000 | 2,914 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $96,000 | 6,008 |
| Total noninterest expense | $2,352,000 | 4,612 |
| Salaries and employee benefits | $1,122,000 | 5,035 |
| Premises and equipment expense | $328,000 | 4,556 |
| Additional noninterest expense | $902,000 | 3,797 |
| Pre-tax net operating income | $735,000 | 5,542 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $239,000 | 4,152 |
| Income before extraordinary items | $496,000 | 5,919 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $496,000 | 5,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $375,000 | 3,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $496,000 | 5,881 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,479,000 | 5,082 |
| Total interest expense | $710,000 | 5,105 |
| Net interest income | $1,769,000 | 4,991 |
| Provision for loan and lease losses | $35,000 | 5,026 |
| Total noninterest income | $320,000 | 4,627 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $255,000 | 2,976 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $65,000 | 6,001 |
| Total noninterest expense | $1,523,000 | 4,681 |
| Salaries and employee benefits | $734,000 | 5,100 |
| Premises and equipment expense | $199,000 | 4,842 |
| Additional noninterest expense | $590,000 | 3,863 |
| Pre-tax net operating income | $531,000 | 5,320 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $178,000 | 3,989 |
| Income before extraordinary items | $353,000 | 5,762 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $353,000 | 5,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,735 |
| Cash dividends | $285,000 | 3,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $353,000 | 5,722 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,218,000 | 5,129 |
| Total interest expense | $333,000 | 5,198 |
| Net interest income | $885,000 | 5,013 |
| Provision for loan and lease losses | $18,000 | 4,743 |
| Total noninterest income | $146,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $113,000 | 3,173 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $33,000 | 6,001 |
| Total noninterest expense | $740,000 | 4,790 |
| Salaries and employee benefits | $361,000 | 5,172 |
| Premises and equipment expense | $100,000 | 4,863 |
| Additional noninterest expense | $279,000 | 4,023 |
| Pre-tax net operating income | $273,000 | 5,238 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $108,000 | 3,649 |
| Income before extraordinary items | $165,000 | 5,887 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $165,000 | 5,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,877 |
| Cash dividends | $195,000 | 2,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $165,000 | 5,851 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,002,000 | 4,850 |
| Total interest expense | $1,212,000 | 5,079 |
| Net interest income | $3,790,000 | 4,662 |
| Provision for loan and lease losses | $118,000 | 4,767 |
| Total noninterest income | $622,000 | 4,728 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $547,000 | 2,940 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $75,000 | 6,883 |
| Total noninterest expense | $2,816,000 | 4,886 |
| Salaries and employee benefits | $1,321,000 | 5,381 |
| Premises and equipment expense | $366,000 | 5,059 |
| Additional noninterest expense | $1,129,000 | 3,939 |
| Pre-tax net operating income | $1,478,000 | 4,279 |
| Securities gains (losses) | $265,000 | 699 |
| Applicable income taxes | $576,000 | 3,099 |
| Income before extraordinary items | $1,167,000 | 4,278 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,167,000 | 4,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,719 |
| Cash dividends | $680,000 | 3,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $989,450 | 4,657 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,764,000 | 4,818 |
| Total interest expense | $905,000 | 5,076 |
| Net interest income | $2,859,000 | 4,636 |
| Provision for loan and lease losses | $99,000 | 4,319 |
| Total noninterest income | $495,000 | 4,578 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $413,000 | 2,931 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $82,000 | 6,269 |
| Total noninterest expense | $2,111,000 | 4,825 |
| Salaries and employee benefits | $988,000 | 5,364 |
| Premises and equipment expense | $249,000 | 5,358 |
| Additional noninterest expense | $874,000 | 3,820 |
| Pre-tax net operating income | $1,144,000 | 4,276 |
| Securities gains (losses) | $262,000 | 655 |
| Applicable income taxes | $463,000 | 3,041 |
| Income before extraordinary items | $943,000 | 4,152 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $943,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,770 |
| Cash dividends | $600,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $767,460 | 4,643 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,528,000 | 4,806 |
| Total interest expense | $623,000 | 5,000 |
| Net interest income | $1,905,000 | 4,634 |
| Provision for loan and lease losses | $55,000 | 4,589 |
| Total noninterest income | $337,000 | 4,510 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $272,000 | 2,938 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $65,000 | 5,981 |
| Total noninterest expense | $1,354,000 | 5,002 |
| Salaries and employee benefits | $656,000 | 5,411 |
| Premises and equipment expense | $150,000 | 5,660 |
| Additional noninterest expense | $548,000 | 4,022 |
| Pre-tax net operating income | $833,000 | 4,006 |
| Securities gains (losses) | $153,000 | 776 |
| Applicable income taxes | $324,000 | 2,940 |
| Income before extraordinary items | $662,000 | 3,981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $662,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $450,000 | 2,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $559,490 | 4,347 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,278,000 | 4,785 |
| Total interest expense | $323,000 | 4,949 |
| Net interest income | $955,000 | 4,621 |
| Provision for loan and lease losses | $36,000 | 3,870 |
| Total noninterest income | $170,000 | 4,459 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $133,000 | 2,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $37,000 | 5,724 |
| Total noninterest expense | $662,000 | 5,105 |
| Salaries and employee benefits | $324,000 | 5,487 |
| Premises and equipment expense | $83,000 | 5,402 |
| Additional noninterest expense | $255,000 | 4,255 |
| Pre-tax net operating income | $427,000 | 3,926 |
| Securities gains (losses) | $133,000 | 671 |
| Applicable income taxes | $183,000 | 2,718 |
| Income before extraordinary items | $377,000 | 3,672 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $377,000 | 3,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $287,890 | 4,265 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,586,000 | 4,514 |
| Total interest expense | $1,521,000 | 4,825 |
| Net interest income | $4,065,000 | 4,313 |
| Provision for loan and lease losses | $191,000 | 4,114 |
| Total noninterest income | $612,000 | 4,913 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $517,000 | 3,008 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $95,000 | 6,619 |
| Total noninterest expense | $2,635,000 | 5,024 |
| Salaries and employee benefits | $1,280,000 | 5,404 |
| Premises and equipment expense | $345,000 | 5,221 |
| Additional noninterest expense | $1,010,000 | 4,244 |
| Pre-tax net operating income | $1,851,000 | 3,566 |
| Securities gains (losses) | $285,000 | 1,078 |
| Applicable income taxes | $704,000 | 2,790 |
| Income before extraordinary items | $1,432,000 | 3,667 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,432,000 | 3,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,545 |
| Cash dividends | $610,000 | 3,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,241,050 | 3,867 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,227,000 | 4,545 |
| Total interest expense | $1,137,000 | 4,969 |
| Net interest income | $3,090,000 | 4,293 |
| Provision for loan and lease losses | $145,000 | 3,973 |
| Total noninterest income | $448,000 | 5,028 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $382,000 | 3,055 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $66,000 | 6,799 |
| Total noninterest expense | $1,965,000 | 5,044 |
| Salaries and employee benefits | $958,000 | 5,392 |
| Premises and equipment expense | $245,000 | 5,397 |
| Additional noninterest expense | $762,000 | 4,206 |
| Pre-tax net operating income | $1,428,000 | 3,619 |
| Securities gains (losses) | $269,000 | 1,039 |
| Applicable income taxes | $561,000 | 2,803 |
| Income before extraordinary items | $1,136,000 | 3,646 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,136,000 | 3,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,291 |
| Cash dividends | $510,000 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $955,770 | 3,925 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,828,000 | 4,572 |
| Total interest expense | $774,000 | 5,031 |
| Net interest income | $2,054,000 | 4,315 |
| Provision for loan and lease losses | $91,000 | 4,011 |
| Total noninterest income | $290,000 | 5,085 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $250,000 | 3,065 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $40,000 | 6,937 |
| Total noninterest expense | $1,300,000 | 5,057 |
| Salaries and employee benefits | $638,000 | 5,417 |
| Premises and equipment expense | $160,000 | 5,447 |
| Additional noninterest expense | $502,000 | 4,229 |
| Pre-tax net operating income | $953,000 | 3,629 |
| Securities gains (losses) | $269,000 | 869 |
| Applicable income taxes | $391,000 | 2,732 |
| Income before extraordinary items | $831,000 | 3,410 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $831,000 | 3,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,910 |
| Cash dividends | $410,000 | 2,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $648,080 | 3,889 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 4,577 |
| Total interest expense | $398,000 | 5,051 |
| Net interest income | $1,019,000 | 4,346 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $150,000 | 4,887 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $118,000 | 3,121 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 6,104 |
| Total noninterest expense | $643,000 | 5,101 |
| Salaries and employee benefits | $313,000 | 5,490 |
| Premises and equipment expense | $79,000 | 5,487 |
| Additional noninterest expense | $251,000 | 4,205 |
| Pre-tax net operating income | $481,000 | 3,591 |
| Securities gains (losses) | $201,000 | 660 |
| Applicable income taxes | $227,000 | 2,479 |
| Income before extraordinary items | $455,000 | 3,144 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $455,000 | 3,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $185,000 | 2,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $320,330 | 3,866 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,770,000 | 4,685 |
| Total interest expense | $2,021,000 | 4,761 |
| Net interest income | $3,749,000 | 4,541 |
| Provision for loan and lease losses | $156,000 | 4,843 |
| Total noninterest income | $593,000 | 4,765 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $470,000 | 3,129 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 6,013 |
| Total noninterest expense | $2,599,000 | 4,951 |
| Salaries and employee benefits | $1,210,000 | 5,454 |
| Premises and equipment expense | $356,000 | 5,041 |
| Additional noninterest expense | $1,033,000 | 4,066 |
| Pre-tax net operating income | $1,587,000 | 3,958 |
| Securities gains (losses) | $107,000 | 1,678 |
| Applicable income taxes | $565,000 | 3,212 |
| Income before extraordinary items | $1,129,000 | 4,252 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,129,000 | 4,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,965 |
| Cash dividends | $675,000 | 2,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,057,310 | 4,329 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,834,000 | 4,509 |
| Total interest expense | $3,531,000 | 4,176 |
| Net interest income | $3,303,000 | 4,748 |
| Provision for loan and lease losses | $89,000 | 5,845 |
| Total noninterest income | $453,000 | 5,340 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $402,000 | 3,384 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $51,000 | 7,655 |
| Total noninterest expense | $2,509,000 | 4,931 |
| Salaries and employee benefits | $1,145,000 | 5,496 |
| Premises and equipment expense | $368,000 | 4,875 |
| Additional noninterest expense | $996,000 | 4,075 |
| Pre-tax net operating income | $1,158,000 | 4,507 |
| Securities gains (losses) | $105,000 | 1,704 |
| Applicable income taxes | $423,000 | 3,630 |
| Income before extraordinary items | $840,000 | 4,755 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $840,000 | 4,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,388 |
| Cash dividends | $560,000 | 3,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $769,650 | 4,857 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,325,000 | 4,420 |
| Total interest expense | $4,381,000 | 3,706 |
| Net interest income | $2,944,000 | 5,217 |
| Provision for loan and lease losses | $67,000 | 6,062 |
| Total noninterest income | $434,000 | 5,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,469 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,243 |
| Total noninterest expense | $2,330,000 | 5,106 |
| Salaries and employee benefits | $1,125,000 | 5,476 |
| Premises and equipment expense | $319,000 | 5,237 |
| Additional noninterest expense | $886,000 | 4,394 |
| Pre-tax net operating income | $981,000 | 5,299 |
| Securities gains (losses) | $29,000 | 855 |
| Applicable income taxes | $337,000 | 4,337 |
| Income before extraordinary items | $673,000 | 5,516 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $673,000 | 5,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,885 |
| Cash dividends | $515,000 | 3,487 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $653,570 | 5,612 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,003,000 | 4,949 |
| Total interest expense | $3,056,000 | 4,532 |
| Net interest income | $2,947,000 | 5,231 |
| Provision for loan and lease losses | $97,000 | 5,320 |
| Total noninterest income | $404,000 | 5,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 3,818 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 6,949 |
| Total noninterest expense | $1,982,000 | 5,718 |
| Salaries and employee benefits | $902,000 | 6,300 |
| Premises and equipment expense | $334,000 | 5,131 |
| Additional noninterest expense | $746,000 | 5,031 |
| Pre-tax net operating income | $1,272,000 | 4,592 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $426,000 | 4,000 |
| Income before extraordinary items | $847,000 | 4,916 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $847,000 | 4,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,094 |
| Cash dividends | $510,000 | 3,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $846,330 | 4,876 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,601,000 | 5,235 |
| Total interest expense | $2,883,000 | 4,872 |
| Net interest income | $2,718,000 | 5,532 |
| Provision for loan and lease losses | $124,000 | 4,562 |
| Total noninterest income | $483,000 | 5,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 3,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,282 |
| Total noninterest expense | $1,907,000 | 5,780 |
| Salaries and employee benefits | $734,000 | 7,006 |
| Premises and equipment expense | $452,000 | 3,994 |
| Additional noninterest expense | $721,000 | 5,051 |
| Pre-tax net operating income | $1,170,000 | 4,968 |
| Securities gains (losses) | $95,000 | 1,307 |
| Applicable income taxes | $422,000 | 4,285 |
| Income before extraordinary items | $843,000 | 5,020 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $843,000 | 5,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,413 |
| Cash dividends | $460,000 | 3,708 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 527 |
| Net operating income | $779,350 | 5,173 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,576,000 | 5,356 |
| Total interest expense | $2,855,000 | 4,923 |
| Net interest income | $2,721,000 | 5,728 |
| Provision for loan and lease losses | $78,000 | 5,710 |
| Total noninterest income | $659,000 | 4,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $319,000 | 3,888 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $340,000 | 3,645 |
| Total noninterest expense | $2,252,000 | 5,199 |
| Salaries and employee benefits | $1,145,000 | 5,295 |
| Premises and equipment expense | $442,000 | 4,099 |
| Additional noninterest expense | $665,000 | 5,432 |
| Pre-tax net operating income | $1,050,000 | 5,679 |
| Securities gains (losses) | $22,000 | 1,824 |
| Applicable income taxes | $358,000 | 5,227 |
| Income before extraordinary items | $714,000 | 5,839 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $714,000 | 5,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,369 |
| Cash dividends | $435,000 | 3,785 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $699,260 | 5,865 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,377,000 | 5,625 |
| Total interest expense | $2,678,000 | 5,258 |
| Net interest income | $2,699,000 | 5,882 |
| Provision for loan and lease losses | $109,000 | 4,905 |
| Total noninterest income | $665,000 | 4,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $374,000 | 3,527 |
| Total noninterest expense | $2,084,000 | 5,762 |
| Salaries and employee benefits | $1,092,000 | 5,611 |
| Premises and equipment expense | $370,000 | 4,833 |
| Additional noninterest expense | $622,000 | 6,220 |
| Pre-tax net operating income | $1,171,000 | 5,209 |
| Securities gains (losses) | $33,000 | 1,622 |
| Applicable income taxes | $403,000 | 4,867 |
| Income before extraordinary items | $801,000 | 5,310 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $801,000 | 5,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,831 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $778,890 | 5,345 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,595,000 | 6,352 |
| Total interest expense | $2,431,000 | 5,690 |
| Net interest income | $2,164,000 | 6,947 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $550,000 | 4,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $257,000 | 4,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $293,000 | 4,054 |
| Total noninterest expense | $1,931,000 | 6,153 |
| Salaries and employee benefits | $920,000 | 6,459 |
| Premises and equipment expense | $338,000 | 5,158 |
| Additional noninterest expense | $673,000 | 6,042 |
| Pre-tax net operating income | $783,000 | 6,903 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $264,000 | 6,459 |
| Income before extraordinary items | $519,000 | 7,111 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $519,000 | 7,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,073 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $519,000 | 7,089 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,701,000 | 7,071 |
| Total interest expense | $1,643,000 | 6,493 |
| Net interest income | $2,058,000 | 7,430 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $439,000 | 5,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,651 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $228,000 | 4,839 |
| Total noninterest expense | $1,869,000 | 6,524 |
| Salaries and employee benefits | $958,000 | 6,311 |
| Premises and equipment expense | $302,000 | 5,687 |
| Additional noninterest expense | $609,000 | 6,968 |
| Pre-tax net operating income | $628,000 | 7,838 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $218,000 | 7,042 |
| Income before extraordinary items | $410,000 | 8,109 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $410,000 | 8,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,275 |
| Cash dividends | $170,000 | 5,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $410,000 | 8,148 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,206,000 | 7,998 |
| Total interest expense | $1,306,000 | 7,854 |
| Net interest income | $1,900,000 | 7,954 |
| Provision for loan and lease losses | $113,000 | 5,452 |
| Total noninterest income | $315,000 | 7,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 6,500 |
| Total noninterest expense | $1,718,000 | 7,142 |
| Salaries and employee benefits | $732,000 | 7,768 |
| Premises and equipment expense | $326,000 | 5,507 |
| Additional noninterest expense | $660,000 | 6,870 |
| Pre-tax net operating income | $384,000 | 9,536 |
| Securities gains (losses) | $301,000 | 1,300 |
| Applicable income taxes | $167,000 | 8,276 |
| Income before extraordinary items | $518,000 | 7,403 |
| Extraordinary gains, net | $98,000 | 1,595 |
| Net income | $616,000 | 6,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 3,539 |
| Cash dividends | $165,000 | 5,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $289,240 | 9,342 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,573,000 | 8,081 |
| Total interest expense | $1,733,000 | 7,812 |
| Net interest income | $1,840,000 | 8,218 |
| Provision for loan and lease losses | $421,000 | 3,338 |
| Total noninterest income | $305,000 | 7,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,597 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,687 |
| Total noninterest expense | $1,809,000 | 6,920 |
| Salaries and employee benefits | $655,000 | 8,348 |
| Premises and equipment expense | $228,000 | 7,203 |
| Additional noninterest expense | $926,000 | 5,390 |
| Pre-tax net operating income | $-85,000 | 12,915 |
| Securities gains (losses) | $212,000 | 1,940 |
| Applicable income taxes | $51,000 | 11,224 |
| Income before extraordinary items | $76,000 | 12,283 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $76,000 | 12,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 4,058 |
| Cash dividends | $70,000 | 7,232 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 655 |
| Net operating income | $-59,680 | 12,836 |
* 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.