Home > Westborough Savings Bank > Income and Expense
Westborough Savings Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,664,000 | 2,647 |
| Total interest expense | $4,169,000 | 2,259 |
| Net interest income | $3,495,000 | 3,124 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $386,000 | 4,114 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $118,000 | 4,611 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $268,000 | 3,202 |
| Total noninterest expense | $4,469,000 | 2,059 |
| Salaries and employee benefits | $2,632,000 | 1,940 |
| Premises and equipment expense | $524,000 | 2,467 |
| Additional noninterest expense | $1,313,000 | 2,053 |
| Pre-tax net operating income | $-648,000 | 8,361 |
| Securities gains (losses) | $3,000 | 1,133 |
| Applicable income taxes | $-338,000 | 8,512 |
| Income before extraordinary items | $-307,000 | 8,209 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-307,000 | 8,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,902 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-308,920 | 8,201 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,850,000 | 2,632 |
| Total interest expense | $2,079,000 | 2,246 |
| Net interest income | $1,771,000 | 3,084 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $196,000 | 4,074 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $75,000 | 4,035 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $121,000 | 3,415 |
| Total noninterest expense | $2,404,000 | 1,926 |
| Salaries and employee benefits | $1,514,000 | 1,720 |
| Premises and equipment expense | $281,000 | 2,328 |
| Additional noninterest expense | $609,000 | 2,160 |
| Pre-tax net operating income | $-467,000 | 8,504 |
| Securities gains (losses) | $3,000 | 908 |
| Applicable income taxes | $-173,000 | 8,553 |
| Income before extraordinary items | $-291,000 | 8,427 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-291,000 | 8,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-292,920 | 8,418 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,670,000 | 2,602 |
| Total interest expense | $7,356,000 | 2,196 |
| Net interest income | $7,314,000 | 2,990 |
| Provision for loan and lease losses | $30,000 | 6,013 |
| Total noninterest income | $753,000 | 4,199 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $283,000 | 4,235 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $470,000 | 3,450 |
| Total noninterest expense | $8,351,000 | 2,116 |
| Salaries and employee benefits | $4,947,000 | 1,969 |
| Premises and equipment expense | $1,067,000 | 2,318 |
| Additional noninterest expense | $2,337,000 | 2,231 |
| Pre-tax net operating income | $-314,000 | 8,174 |
| Securities gains (losses) | $3,000 | 1,365 |
| Applicable income taxes | $-235,000 | 8,481 |
| Income before extraordinary items | $-76,000 | 8,055 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-76,000 | 8,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,765 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-77,920 | 8,045 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,938,000 | 2,604 |
| Total interest expense | $5,341,000 | 2,194 |
| Net interest income | $5,597,000 | 2,963 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $558,000 | 4,238 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $215,000 | 4,256 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $343,000 | 3,485 |
| Total noninterest expense | $6,172,000 | 2,152 |
| Salaries and employee benefits | $3,593,000 | 2,034 |
| Premises and equipment expense | $816,000 | 2,280 |
| Additional noninterest expense | $1,763,000 | 2,209 |
| Pre-tax net operating income | $-17,000 | 8,144 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-149,000 | 8,602 |
| Income before extraordinary items | $132,000 | 7,564 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $132,000 | 7,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $132,000 | 7,567 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,203,000 | 2,598 |
| Total interest expense | $3,447,000 | 2,160 |
| Net interest income | $3,756,000 | 2,957 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $396,000 | 4,065 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $146,000 | 4,196 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $250,000 | 3,329 |
| Total noninterest expense | $4,106,000 | 2,151 |
| Salaries and employee benefits | $2,360,000 | 2,075 |
| Premises and equipment expense | $562,000 | 2,214 |
| Additional noninterest expense | $1,184,000 | 2,204 |
| Pre-tax net operating income | $46,000 | 7,980 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-72,000 | 8,600 |
| Income before extraordinary items | $118,000 | 7,398 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $118,000 | 7,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $118,000 | 7,401 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,587,000 | 2,570 |
| Total interest expense | $1,684,000 | 2,115 |
| Net interest income | $1,903,000 | 2,907 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $201,000 | 3,973 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $77,000 | 4,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $124,000 | 3,323 |
| Total noninterest expense | $2,299,000 | 1,937 |
| Salaries and employee benefits | $1,229,000 | 1,994 |
| Premises and equipment expense | $305,000 | 2,064 |
| Additional noninterest expense | $765,000 | 1,713 |
| Pre-tax net operating income | $-195,000 | 8,538 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-99,000 | 8,697 |
| Income before extraordinary items | $-96,000 | 8,451 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-96,000 | 8,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-96,000 | 8,437 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,119,000 | 2,512 |
| Total interest expense | $4,905,000 | 2,232 |
| Net interest income | $8,214,000 | 2,634 |
| Provision for loan and lease losses | $-48,000 | 8,575 |
| Total noninterest income | $915,000 | 3,765 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $291,000 | 4,248 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $624,000 | 2,984 |
| Total noninterest expense | $8,198,000 | 2,036 |
| Salaries and employee benefits | $4,539,000 | 2,022 |
| Premises and equipment expense | $1,062,000 | 2,246 |
| Additional noninterest expense | $2,597,000 | 1,949 |
| Pre-tax net operating income | $979,000 | 5,408 |
| Securities gains (losses) | $57,000 | 876 |
| Applicable income taxes | $250,000 | 4,363 |
| Income before extraordinary items | $786,000 | 5,382 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $786,000 | 5,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,049 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $742,680 | 5,498 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,590,000 | 2,512 |
| Total interest expense | $3,380,000 | 2,300 |
| Net interest income | $6,210,000 | 2,597 |
| Provision for loan and lease losses | $-48,000 | 8,659 |
| Total noninterest income | $724,000 | 3,663 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $221,000 | 4,251 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $503,000 | 2,873 |
| Total noninterest expense | $6,129,000 | 2,022 |
| Salaries and employee benefits | $3,396,000 | 2,010 |
| Premises and equipment expense | $811,000 | 2,205 |
| Additional noninterest expense | $1,922,000 | 1,936 |
| Pre-tax net operating income | $853,000 | 5,166 |
| Securities gains (losses) | $57,000 | 829 |
| Applicable income taxes | $224,000 | 4,253 |
| Income before extraordinary items | $686,000 | 5,137 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $686,000 | 5,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,879 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $643,250 | 5,254 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,263,000 | 2,506 |
| Total interest expense | $2,181,000 | 2,241 |
| Net interest income | $4,082,000 | 2,604 |
| Provision for loan and lease losses | $-48,000 | 8,699 |
| Total noninterest income | $560,000 | 3,270 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $147,000 | 4,204 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $413,000 | 2,485 |
| Total noninterest expense | $4,064,000 | 2,024 |
| Salaries and employee benefits | $2,219,000 | 2,039 |
| Premises and equipment expense | $556,000 | 2,122 |
| Additional noninterest expense | $1,289,000 | 1,907 |
| Pre-tax net operating income | $626,000 | 4,901 |
| Securities gains (losses) | $47,000 | 802 |
| Applicable income taxes | $205,000 | 3,742 |
| Income before extraordinary items | $468,000 | 5,037 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $468,000 | 5,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,785 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $435,100 | 5,188 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,084,000 | 2,508 |
| Total interest expense | $990,000 | 2,353 |
| Net interest income | $2,094,000 | 2,553 |
| Provision for loan and lease losses | $-48,000 | 8,799 |
| Total noninterest income | $236,000 | 3,603 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $77,000 | 4,013 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $159,000 | 2,872 |
| Total noninterest expense | $1,951,000 | 2,116 |
| Salaries and employee benefits | $1,091,000 | 2,097 |
| Premises and equipment expense | $304,000 | 1,976 |
| Additional noninterest expense | $556,000 | 2,196 |
| Pre-tax net operating income | $427,000 | 4,095 |
| Securities gains (losses) | $47,000 | 560 |
| Applicable income taxes | $114,000 | 3,555 |
| Income before extraordinary items | $360,000 | 3,895 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $360,000 | 3,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $324,280 | 4,111 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,556,000 | 2,485 |
| Total interest expense | $3,043,000 | 2,602 |
| Net interest income | $8,513,000 | 2,401 |
| Provision for loan and lease losses | $-85,000 | 8,777 |
| Total noninterest income | $852,000 | 3,899 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $285,000 | 4,430 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $567,000 | 3,077 |
| Total noninterest expense | $7,830,000 | 2,043 |
| Salaries and employee benefits | $4,176,000 | 2,090 |
| Premises and equipment expense | $1,111,000 | 2,067 |
| Additional noninterest expense | $2,543,000 | 1,915 |
| Pre-tax net operating income | $1,620,000 | 4,055 |
| Securities gains (losses) | $162,000 | 948 |
| Applicable income taxes | $516,000 | 3,297 |
| Income before extraordinary items | $1,266,000 | 4,063 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,266,000 | 4,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,177 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,150,980 | 4,237 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,533,000 | 2,483 |
| Total interest expense | $2,224,000 | 2,613 |
| Net interest income | $6,309,000 | 2,400 |
| Provision for loan and lease losses | $40,000 | 5,698 |
| Total noninterest income | $706,000 | 3,708 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $212,000 | 4,482 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $494,000 | 2,829 |
| Total noninterest expense | $5,847,000 | 2,040 |
| Salaries and employee benefits | $3,215,000 | 2,023 |
| Premises and equipment expense | $872,000 | 1,987 |
| Additional noninterest expense | $1,760,000 | 2,050 |
| Pre-tax net operating income | $1,128,000 | 4,325 |
| Securities gains (losses) | $160,000 | 895 |
| Applicable income taxes | $359,000 | 3,486 |
| Income before extraordinary items | $929,000 | 4,179 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $929,000 | 4,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,384 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $813,800 | 4,498 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,592,000 | 2,503 |
| Total interest expense | $1,448,000 | 2,647 |
| Net interest income | $4,144,000 | 2,409 |
| Provision for loan and lease losses | $40,000 | 5,015 |
| Total noninterest income | $524,000 | 3,462 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $139,000 | 4,512 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $385,000 | 2,567 |
| Total noninterest expense | $3,953,000 | 2,013 |
| Salaries and employee benefits | $2,159,000 | 2,018 |
| Premises and equipment expense | $597,000 | 1,916 |
| Additional noninterest expense | $1,197,000 | 2,003 |
| Pre-tax net operating income | $675,000 | 4,536 |
| Securities gains (losses) | $90,000 | 1,101 |
| Applicable income taxes | $215,000 | 3,631 |
| Income before extraordinary items | $550,000 | 4,480 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $550,000 | 4,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,637 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $485,200 | 4,714 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,750,000 | 2,542 |
| Total interest expense | $707,000 | 2,724 |
| Net interest income | $2,043,000 | 2,440 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $327,000 | 2,930 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $75,000 | 4,266 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $252,000 | 2,120 |
| Total noninterest expense | $1,942,000 | 2,065 |
| Salaries and employee benefits | $1,073,000 | 2,048 |
| Premises and equipment expense | $309,000 | 1,878 |
| Additional noninterest expense | $560,000 | 2,117 |
| Pre-tax net operating income | $418,000 | 3,976 |
| Securities gains (losses) | $60,000 | 1,096 |
| Applicable income taxes | $132,000 | 3,327 |
| Income before extraordinary items | $346,000 | 3,880 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $346,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $302,800 | 4,124 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,975,000 | 2,387 |
| Total interest expense | $3,541,000 | 2,478 |
| Net interest income | $8,434,000 | 2,298 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $660,000 | 4,707 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $293,000 | 4,352 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $367,000 | 4,128 |
| Total noninterest expense | $7,462,000 | 2,108 |
| Salaries and employee benefits | $3,952,000 | 2,151 |
| Premises and equipment expense | $1,146,000 | 1,990 |
| Additional noninterest expense | $2,364,000 | 2,035 |
| Pre-tax net operating income | $1,602,000 | 3,961 |
| Securities gains (losses) | $115,000 | 1,765 |
| Applicable income taxes | $597,000 | 3,073 |
| Income before extraordinary items | $1,120,000 | 4,311 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,120,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,233 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,045,250 | 4,346 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,969,000 | 2,426 |
| Total interest expense | $2,768,000 | 2,475 |
| Net interest income | $6,201,000 | 2,360 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $465,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $225,000 | 4,320 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $240,000 | 4,457 |
| Total noninterest expense | $5,588,000 | 2,119 |
| Salaries and employee benefits | $2,891,000 | 2,206 |
| Premises and equipment expense | $889,000 | 1,927 |
| Additional noninterest expense | $1,808,000 | 1,984 |
| Pre-tax net operating income | $1,078,000 | 4,352 |
| Securities gains (losses) | $116,000 | 1,617 |
| Applicable income taxes | $430,000 | 3,304 |
| Income before extraordinary items | $764,000 | 4,728 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $764,000 | 4,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,484 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 640 |
| Net operating income | $689,760 | 4,842 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,004,000 | 2,438 |
| Total interest expense | $1,945,000 | 2,435 |
| Net interest income | $4,059,000 | 2,395 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $330,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $151,000 | 4,272 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $179,000 | 4,239 |
| Total noninterest expense | $3,835,000 | 2,054 |
| Salaries and employee benefits | $2,077,000 | 2,043 |
| Premises and equipment expense | $581,000 | 1,958 |
| Additional noninterest expense | $1,177,000 | 2,035 |
| Pre-tax net operating income | $554,000 | 5,056 |
| Securities gains (losses) | $124,000 | 1,346 |
| Applicable income taxes | $231,000 | 3,694 |
| Income before extraordinary items | $447,000 | 5,109 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $447,000 | 5,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 508 |
| Net operating income | $365,160 | 5,417 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,106,000 | 2,370 |
| Total interest expense | $1,012,000 | 2,414 |
| Net interest income | $2,094,000 | 2,323 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $114,000 | 5,579 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $59,000 | 4,806 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $55,000 | 5,085 |
| Total noninterest expense | $1,862,000 | 2,103 |
| Salaries and employee benefits | $986,000 | 2,143 |
| Premises and equipment expense | $290,000 | 1,956 |
| Additional noninterest expense | $586,000 | 2,005 |
| Pre-tax net operating income | $346,000 | 4,424 |
| Securities gains (losses) | $-7,000 | 9,134 |
| Applicable income taxes | $131,000 | 3,466 |
| Income before extraordinary items | $208,000 | 5,226 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $208,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 367 |
| Net operating income | $212,480 | 4,973 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,564,000 | 2,270 |
| Total interest expense | $5,032,000 | 2,235 |
| Net interest income | $8,532,000 | 2,269 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $722,000 | 4,246 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $272,000 | 4,474 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $450,000 | 3,480 |
| Total noninterest expense | $7,573,000 | 1,986 |
| Salaries and employee benefits | $3,880,000 | 2,063 |
| Premises and equipment expense | $1,055,000 | 2,074 |
| Additional noninterest expense | $2,638,000 | 1,771 |
| Pre-tax net operating income | $1,681,000 | 3,811 |
| Securities gains (losses) | $-492,000 | 9,260 |
| Applicable income taxes | $255,000 | 4,727 |
| Income before extraordinary items | $934,000 | 4,776 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $934,000 | 4,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 825 |
| Net operating income | $1,322,680 | 3,735 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,140,000 | 2,424 |
| Total interest expense | $6,701,000 | 2,392 |
| Net interest income | $7,439,000 | 2,412 |
| Provision for loan and lease losses | $44,000 | 6,848 |
| Total noninterest income | $808,000 | 3,830 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $311,000 | 4,067 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $497,000 | 3,144 |
| Total noninterest expense | $6,938,000 | 2,070 |
| Salaries and employee benefits | $3,599,000 | 2,099 |
| Premises and equipment expense | $946,000 | 2,257 |
| Additional noninterest expense | $2,393,000 | 1,891 |
| Pre-tax net operating income | $1,265,000 | 4,298 |
| Securities gains (losses) | $688,000 | 507 |
| Applicable income taxes | $527,000 | 3,240 |
| Income before extraordinary items | $1,426,000 | 3,345 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,426,000 | 3,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 790 |
| Net operating income | $923,760 | 4,385 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,666,000 | 2,753 |
| Total interest expense | $6,009,000 | 2,783 |
| Net interest income | $6,657,000 | 2,672 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $999,000 | 3,133 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $245,000 | 4,570 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $754,000 | 2,235 |
| Total noninterest expense | $6,079,000 | 2,255 |
| Salaries and employee benefits | $3,051,000 | 2,345 |
| Premises and equipment expense | $812,000 | 2,539 |
| Additional noninterest expense | $2,216,000 | 1,963 |
| Pre-tax net operating income | $1,565,000 | 3,954 |
| Securities gains (losses) | $45,000 | 739 |
| Applicable income taxes | $491,000 | 3,525 |
| Income before extraordinary items | $1,119,000 | 4,053 |
| Extraordinary gains, net | $147,000 | 17 |
| Net income | $1,266,000 | 3,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,027 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,100,000 | 350 |
| Net operating income | $1,087,500 | 4,139 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,834,000 | 2,982 |
| Total interest expense | $5,063,000 | 2,883 |
| Net interest income | $5,771,000 | 3,027 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $662,000 | 4,148 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $185,000 | 5,332 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $477,000 | 3,045 |
| Total noninterest expense | $5,054,000 | 2,665 |
| Salaries and employee benefits | $2,734,000 | 2,575 |
| Premises and equipment expense | $668,000 | 2,979 |
| Additional noninterest expense | $1,652,000 | 2,612 |
| Pre-tax net operating income | $1,349,000 | 4,409 |
| Securities gains (losses) | $603,000 | 305 |
| Applicable income taxes | $585,000 | 3,274 |
| Income before extraordinary items | $1,367,000 | 3,485 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,367,000 | 3,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,087 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $944,900 | 4,557 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,083,000 | 3,211 |
| Total interest expense | $4,628,000 | 3,222 |
| Net interest income | $5,455,000 | 3,145 |
| Provision for loan and lease losses | $34,000 | 7,219 |
| Total noninterest income | $448,000 | 5,264 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $167,000 | 5,651 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $281,000 | 4,161 |
| Total noninterest expense | $3,846,000 | 3,332 |
| Salaries and employee benefits | $2,091,000 | 3,191 |
| Premises and equipment expense | $542,000 | 3,472 |
| Additional noninterest expense | $1,213,000 | 3,339 |
| Pre-tax net operating income | $2,023,000 | 3,314 |
| Securities gains (losses) | $196,000 | 934 |
| Applicable income taxes | $804,000 | 2,731 |
| Income before extraordinary items | $1,415,000 | 3,408 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,415,000 | 3,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,289,560 | 3,627 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,583,000 | 3,368 |
| Total interest expense | $4,461,000 | 3,315 |
| Net interest income | $5,122,000 | 3,417 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $256,000 | 7,144 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $165,000 | 5,903 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $91,000 | 7,039 |
| Total noninterest expense | $3,540,000 | 3,569 |
| Salaries and employee benefits | $1,983,000 | 3,338 |
| Premises and equipment expense | $453,000 | 4,019 |
| Additional noninterest expense | $1,104,000 | 3,585 |
| Pre-tax net operating income | $1,728,000 | 3,991 |
| Securities gains (losses) | $344,000 | 526 |
| Applicable income taxes | $673,000 | 3,353 |
| Income before extraordinary items | $1,399,000 | 3,575 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,399,000 | 3,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,165,080 | 4,099 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,956,000 | 3,638 |
| Total interest expense | $4,173,000 | 3,566 |
| Net interest income | $4,783,000 | 3,689 |
| Provision for loan and lease losses | $81,000 | 5,578 |
| Total noninterest income | $272,000 | 7,296 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $180,000 | 5,903 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $92,000 | 7,384 |
| Total noninterest expense | $3,252,000 | 4,043 |
| Salaries and employee benefits | $1,806,000 | 3,656 |
| Premises and equipment expense | $433,000 | 4,259 |
| Additional noninterest expense | $1,013,000 | 4,367 |
| Pre-tax net operating income | $1,722,000 | 3,869 |
| Securities gains (losses) | $114,000 | 896 |
| Applicable income taxes | $751,000 | 3,013 |
| Income before extraordinary items | $1,085,000 | 4,203 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,085,000 | 4,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,012,040 | 4,396 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,158,000 | 3,940 |
| Total interest expense | $3,551,000 | 4,105 |
| Net interest income | $4,607,000 | 3,816 |
| Provision for loan and lease losses | $113,000 | 4,343 |
| Total noninterest income | $346,000 | 6,529 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $223,000 | 5,297 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $123,000 | 6,567 |
| Total noninterest expense | $2,913,000 | 4,401 |
| Salaries and employee benefits | $1,585,000 | 4,079 |
| Premises and equipment expense | $287,000 | 5,828 |
| Additional noninterest expense | $1,041,000 | 4,213 |
| Pre-tax net operating income | $1,927,000 | 3,610 |
| Securities gains (losses) | $86,000 | 1,031 |
| Applicable income taxes | $736,000 | 3,103 |
| Income before extraordinary items | $1,277,000 | 3,744 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,277,000 | 3,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,221,960 | 3,887 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,063,000 | 4,187 |
| Total interest expense | $2,703,000 | 4,334 |
| Net interest income | $4,360,000 | 4,039 |
| Provision for loan and lease losses | $49,000 | 6,214 |
| Total noninterest income | $294,000 | 7,323 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $191,000 | 6,044 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $103,000 | 7,425 |
| Total noninterest expense | $2,974,000 | 4,451 |
| Salaries and employee benefits | $1,560,000 | 4,143 |
| Premises and equipment expense | $278,000 | 6,034 |
| Additional noninterest expense | $1,136,000 | 4,250 |
| Pre-tax net operating income | $1,631,000 | 4,100 |
| Securities gains (losses) | $-43,000 | 10,916 |
| Applicable income taxes | $693,000 | 3,115 |
| Income before extraordinary items | $895,000 | 4,939 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $895,000 | 4,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $922,520 | 4,857 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,558,000 | 4,026 |
| Total interest expense | $3,066,000 | 4,042 |
| Net interest income | $4,492,000 | 3,946 |
| Provision for loan and lease losses | $75,000 | 6,449 |
| Total noninterest income | $260,000 | 8,218 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $174,000 | 6,494 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $86,000 | 8,379 |
| Total noninterest expense | $2,956,000 | 4,577 |
| Salaries and employee benefits | $1,592,000 | 4,047 |
| Premises and equipment expense | $260,000 | 6,507 |
| Additional noninterest expense | $1,104,000 | 4,519 |
| Pre-tax net operating income | $1,721,000 | 3,844 |
| Securities gains (losses) | $44,000 | 3,595 |
| Applicable income taxes | $736,000 | 2,972 |
| Income before extraordinary items | $1,029,000 | 4,592 |
| Extraordinary gains, net | $150,000 | 1,230 |
| Net income | $1,179,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,000,840 | 4,460 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,762,000 | 3,953 |
| Total interest expense | $4,157,000 | 3,936 |
| Net interest income | $4,605,000 | 3,921 |
| Provision for loan and lease losses | $119,000 | 6,863 |
| Total noninterest income | $214,000 | 9,143 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $139,000 | 7,416 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $75,000 | 9,058 |
| Total noninterest expense | $2,981,000 | 4,565 |
| Salaries and employee benefits | $1,439,000 | 4,386 |
| Premises and equipment expense | $282,000 | 6,251 |
| Additional noninterest expense | $1,260,000 | 4,152 |
| Pre-tax net operating income | $1,719,000 | 3,580 |
| Securities gains (losses) | $14,000 | 6,053 |
| Applicable income taxes | $786,000 | 2,664 |
| Income before extraordinary items | $947,000 | 4,732 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $947,000 | 4,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 5,361 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $938,040 | 4,449 |
* 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.