Home > Willow Financial Bank > Income and Expense
Willow Financial Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $61,755,000 | 489 |
| Total interest expense | $27,818,000 | 461 |
| Net interest income | $33,937,000 | 498 |
| Provision for loan and lease losses | $6,384,000 | 551 |
| Total noninterest income | $10,727,000 | 483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $10,727,000 | 321 |
| Total noninterest expense | $45,714,000 | 350 |
| Salaries and employee benefits | $22,089,000 | 346 |
| Premises and equipment expense | $8,510,000 | 255 |
| Additional noninterest expense | $15,115,000 | 363 |
| Pre-tax net operating income | $-7,434,000 | 8,193 |
| Securities gains (losses) | $-321,000 | 7,677 |
| Applicable income taxes | $-2,201,000 | 8,197 |
| Income before extraordinary items | $-5,554,000 | 8,143 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-5,554,000 | 8,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $765,000 | 1,533 |
| Cash dividends | $6,000,000 | 376 |
| Sale, conversion, retirement of capital stock, net | $-71,000 | 8,316 |
| Net operating income | $-5,322,880 | 8,172 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $41,370,000 | 491 |
| Total interest expense | $19,101,000 | 464 |
| Net interest income | $22,269,000 | 505 |
| Provision for loan and lease losses | $2,511,000 | 673 |
| Total noninterest income | $6,422,000 | 533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $6,422,000 | 364 |
| Total noninterest expense | $31,405,000 | 338 |
| Salaries and employee benefits | $14,714,000 | 352 |
| Premises and equipment expense | $5,687,000 | 254 |
| Additional noninterest expense | $11,004,000 | 343 |
| Pre-tax net operating income | $-5,225,000 | 8,299 |
| Securities gains (losses) | $-321,000 | 8,319 |
| Applicable income taxes | $-1,343,000 | 8,300 |
| Income before extraordinary items | $-4,203,000 | 8,305 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,203,000 | 8,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $385,000 | 1,540 |
| Cash dividends | $4,000,000 | 406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-3,959,040 | 8,295 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $21,654,000 | 485 |
| Total interest expense | $10,423,000 | 455 |
| Net interest income | $11,231,000 | 495 |
| Provision for loan and lease losses | $824,000 | 712 |
| Total noninterest income | $3,140,000 | 549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,140,000 | 379 |
| Total noninterest expense | $16,111,000 | 324 |
| Salaries and employee benefits | $8,134,000 | 322 |
| Premises and equipment expense | $2,893,000 | 249 |
| Additional noninterest expense | $5,084,000 | 343 |
| Pre-tax net operating income | $-2,564,000 | 8,390 |
| Securities gains (losses) | $1,310,000 | 121 |
| Applicable income taxes | $-92,000 | 8,122 |
| Income before extraordinary items | $-1,162,000 | 8,330 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,162,000 | 8,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 1,061 |
| Cash dividends | $2,000,000 | 415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-2,380,300 | 8,402 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $87,000,000 | 500 |
| Total interest expense | $42,629,000 | 480 |
| Net interest income | $44,371,000 | 512 |
| Provision for loan and lease losses | $1,414,000 | 1,102 |
| Total noninterest income | $13,947,000 | 485 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $13,947,000 | 327 |
| Total noninterest expense | $48,985,000 | 416 |
| Salaries and employee benefits | $26,697,000 | 381 |
| Premises and equipment expense | $10,377,000 | 266 |
| Additional noninterest expense | $11,911,000 | 506 |
| Pre-tax net operating income | $7,919,000 | 1,058 |
| Securities gains (losses) | $146,000 | 518 |
| Applicable income taxes | $1,478,000 | 1,430 |
| Income before extraordinary items | $6,587,000 | 997 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,587,000 | 995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,022,000 | 613 |
| Cash dividends | $2,000,000 | 1,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,467,280 | 997 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $65,141,000 | 502 |
| Total interest expense | $31,267,000 | 490 |
| Net interest income | $33,874,000 | 498 |
| Provision for loan and lease losses | $995,000 | 908 |
| Total noninterest income | $10,130,000 | 503 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $10,130,000 | 340 |
| Total noninterest expense | $35,702,000 | 420 |
| Salaries and employee benefits | $19,757,000 | 382 |
| Premises and equipment expense | $7,619,000 | 273 |
| Additional noninterest expense | $8,326,000 | 524 |
| Pre-tax net operating income | $7,307,000 | 945 |
| Securities gains (losses) | $137,000 | 431 |
| Applicable income taxes | $1,538,000 | 1,201 |
| Income before extraordinary items | $5,906,000 | 883 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,906,000 | 881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,996,000 | 405 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,797,770 | 884 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $42,738,000 | 521 |
| Total interest expense | $20,439,000 | 504 |
| Net interest income | $22,299,000 | 523 |
| Provision for loan and lease losses | $753,000 | 737 |
| Total noninterest income | $6,370,000 | 542 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $6,370,000 | 375 |
| Total noninterest expense | $23,434,000 | 436 |
| Salaries and employee benefits | $12,777,000 | 403 |
| Premises and equipment expense | $5,001,000 | 280 |
| Additional noninterest expense | $5,656,000 | 518 |
| Pre-tax net operating income | $4,482,000 | 1,070 |
| Securities gains (losses) | $120,000 | 383 |
| Applicable income taxes | $966,000 | 1,308 |
| Income before extraordinary items | $3,636,000 | 999 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,636,000 | 998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,899,000 | 287 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,541,200 | 1,004 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $21,202,000 | 524 |
| Total interest expense | $9,379,000 | 535 |
| Net interest income | $11,823,000 | 500 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $2,670,000 | 596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,670,000 | 411 |
| Total noninterest expense | $10,928,000 | 455 |
| Salaries and employee benefits | $5,791,000 | 441 |
| Premises and equipment expense | $2,460,000 | 293 |
| Additional noninterest expense | $2,677,000 | 534 |
| Pre-tax net operating income | $3,565,000 | 685 |
| Securities gains (losses) | $99,000 | 308 |
| Applicable income taxes | $981,000 | 746 |
| Income before extraordinary items | $2,683,000 | 674 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,683,000 | 673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,610,730 | 683 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $87,195,000 | 476 |
| Total interest expense | $35,561,000 | 496 |
| Net interest income | $51,634,000 | 446 |
| Provision for loan and lease losses | $2,385,000 | 483 |
| Total noninterest income | $9,585,000 | 634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-36,000 | 8,658 |
| Additional Noninterest Income | $9,621,000 | 428 |
| Total noninterest expense | $40,534,000 | 473 |
| Salaries and employee benefits | $21,526,000 | 450 |
| Premises and equipment expense | $8,920,000 | 294 |
| Additional noninterest expense | $10,088,000 | 557 |
| Pre-tax net operating income | $18,300,000 | 584 |
| Securities gains (losses) | $882,000 | 182 |
| Applicable income taxes | $5,407,000 | 602 |
| Income before extraordinary items | $13,775,000 | 561 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $13,775,000 | 560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,236,000 | 261 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $13,139,960 | 571 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $65,822,000 | 477 |
| Total interest expense | $26,124,000 | 499 |
| Net interest income | $39,698,000 | 453 |
| Provision for loan and lease losses | $2,385,000 | 339 |
| Total noninterest income | $7,215,000 | 646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-36,000 | 8,723 |
| Additional Noninterest Income | $7,251,000 | 436 |
| Total noninterest expense | $29,488,000 | 494 |
| Salaries and employee benefits | $15,432,000 | 481 |
| Premises and equipment expense | $6,552,000 | 312 |
| Additional noninterest expense | $7,504,000 | 567 |
| Pre-tax net operating income | $15,040,000 | 561 |
| Securities gains (losses) | $19,000 | 755 |
| Applicable income taxes | $4,314,000 | 599 |
| Income before extraordinary items | $10,745,000 | 567 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $10,745,000 | 567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,292,000 | 376 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $10,731,510 | 556 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $44,110,000 | 463 |
| Total interest expense | $17,092,000 | 488 |
| Net interest income | $27,018,000 | 448 |
| Provision for loan and lease losses | $2,485,000 | 233 |
| Total noninterest income | $4,617,000 | 665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-36,000 | 8,759 |
| Additional Noninterest Income | $4,653,000 | 453 |
| Total noninterest expense | $19,320,000 | 503 |
| Salaries and employee benefits | $9,976,000 | 500 |
| Premises and equipment expense | $4,274,000 | 318 |
| Additional noninterest expense | $5,070,000 | 561 |
| Pre-tax net operating income | $9,830,000 | 574 |
| Securities gains (losses) | $19,000 | 610 |
| Applicable income taxes | $2,848,000 | 611 |
| Income before extraordinary items | $7,001,000 | 579 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,001,000 | 577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,396 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $6,987,510 | 566 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $21,748,000 | 455 |
| Total interest expense | $8,383,000 | 467 |
| Net interest income | $13,365,000 | 446 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,853,000 | 788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-36,000 | 8,770 |
| Additional Noninterest Income | $1,889,000 | 511 |
| Total noninterest expense | $9,055,000 | 525 |
| Salaries and employee benefits | $4,780,000 | 517 |
| Premises and equipment expense | $2,020,000 | 339 |
| Additional noninterest expense | $2,255,000 | 623 |
| Pre-tax net operating income | $6,163,000 | 482 |
| Securities gains (losses) | $19,000 | 485 |
| Applicable income taxes | $1,857,000 | 491 |
| Income before extraordinary items | $4,325,000 | 490 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,325,000 | 489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-89,000 | 8,629 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $4,311,700 | 482 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $62,660,000 | 553 |
| Total interest expense | $24,066,000 | 500 |
| Net interest income | $38,594,000 | 575 |
| Provision for loan and lease losses | $1,421,000 | 758 |
| Total noninterest income | $4,425,000 | 1,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,425,000 | 734 |
| Total noninterest expense | $28,112,000 | 622 |
| Salaries and employee benefits | $16,537,000 | 558 |
| Premises and equipment expense | $4,710,000 | 519 |
| Additional noninterest expense | $6,865,000 | 766 |
| Pre-tax net operating income | $13,486,000 | 733 |
| Securities gains (losses) | $-617,000 | 8,720 |
| Applicable income taxes | $3,902,000 | 784 |
| Income before extraordinary items | $8,967,000 | 803 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,967,000 | 805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-152,000 | 8,700 |
| Cash dividends | $38,000,000 | 154 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $9,398,900 | 760 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $41,100,000 | 593 |
| Total interest expense | $16,335,000 | 514 |
| Net interest income | $24,765,000 | 636 |
| Provision for loan and lease losses | $1,214,000 | 631 |
| Total noninterest income | $2,614,000 | 1,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,614,000 | 918 |
| Total noninterest expense | $18,682,000 | 678 |
| Salaries and employee benefits | $11,116,000 | 607 |
| Premises and equipment expense | $3,069,000 | 592 |
| Additional noninterest expense | $4,497,000 | 856 |
| Pre-tax net operating income | $7,483,000 | 985 |
| Securities gains (losses) | $-617,000 | 8,799 |
| Applicable income taxes | $1,907,000 | 1,119 |
| Income before extraordinary items | $4,959,000 | 1,083 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,959,000 | 1,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,248 |
| Cash dividends | $38,000,000 | 128 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,403,240 | 982 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $25,640,000 | 612 |
| Total interest expense | $10,040,000 | 523 |
| Net interest income | $15,600,000 | 657 |
| Provision for loan and lease losses | $701,000 | 716 |
| Total noninterest income | $1,541,000 | 1,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,541,000 | 986 |
| Total noninterest expense | $11,635,000 | 713 |
| Salaries and employee benefits | $6,884,000 | 645 |
| Premises and equipment expense | $1,848,000 | 657 |
| Additional noninterest expense | $2,903,000 | 866 |
| Pre-tax net operating income | $4,805,000 | 983 |
| Securities gains (losses) | $407,000 | 253 |
| Applicable income taxes | $1,608,000 | 900 |
| Income before extraordinary items | $3,604,000 | 963 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,604,000 | 963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 925 |
| Cash dividends | $3,000,000 | 507 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,323,170 | 1,031 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,726,000 | 596 |
| Total interest expense | $4,892,000 | 506 |
| Net interest income | $7,834,000 | 657 |
| Provision for loan and lease losses | $504,000 | 467 |
| Total noninterest income | $776,000 | 1,531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $776,000 | 974 |
| Total noninterest expense | $6,354,000 | 665 |
| Salaries and employee benefits | $3,526,000 | 630 |
| Premises and equipment expense | $929,000 | 651 |
| Additional noninterest expense | $1,899,000 | 677 |
| Pre-tax net operating income | $1,752,000 | 1,315 |
| Securities gains (losses) | $231,000 | 226 |
| Applicable income taxes | $607,000 | 1,136 |
| Income before extraordinary items | $1,376,000 | 1,252 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,376,000 | 1,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 693 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,216,610 | 1,372 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $44,357,000 | 637 |
| Total interest expense | $16,499,000 | 512 |
| Net interest income | $27,858,000 | 701 |
| Provision for loan and lease losses | $797,000 | 1,294 |
| Total noninterest income | $2,816,000 | 1,698 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,816,000 | 1,032 |
| Total noninterest expense | $20,429,000 | 790 |
| Salaries and employee benefits | $13,143,000 | 648 |
| Premises and equipment expense | $3,521,000 | 659 |
| Additional noninterest expense | $3,765,000 | 1,320 |
| Pre-tax net operating income | $9,448,000 | 928 |
| Securities gains (losses) | $825,000 | 319 |
| Applicable income taxes | $3,190,000 | 859 |
| Income before extraordinary items | $7,083,000 | 929 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,083,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $612,000 | 1,143 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,513,750 | 986 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $31,846,000 | 652 |
| Total interest expense | $11,806,000 | 516 |
| Net interest income | $20,040,000 | 718 |
| Provision for loan and lease losses | $437,000 | 1,656 |
| Total noninterest income | $2,116,000 | 1,703 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,116,000 | 1,037 |
| Total noninterest expense | $15,191,000 | 784 |
| Salaries and employee benefits | $9,811,000 | 645 |
| Premises and equipment expense | $2,642,000 | 662 |
| Additional noninterest expense | $2,738,000 | 1,353 |
| Pre-tax net operating income | $6,528,000 | 1,012 |
| Securities gains (losses) | $621,000 | 370 |
| Applicable income taxes | $2,165,000 | 952 |
| Income before extraordinary items | $4,984,000 | 1,007 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,984,000 | 1,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $575,000 | 847 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,549,300 | 1,042 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $20,335,000 | 675 |
| Total interest expense | $7,623,000 | 526 |
| Net interest income | $12,712,000 | 754 |
| Provision for loan and lease losses | $266,000 | 1,749 |
| Total noninterest income | $1,342,000 | 1,745 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,342,000 | 1,073 |
| Total noninterest expense | $10,083,000 | 793 |
| Salaries and employee benefits | $6,570,000 | 638 |
| Premises and equipment expense | $1,768,000 | 654 |
| Additional noninterest expense | $1,745,000 | 1,388 |
| Pre-tax net operating income | $3,705,000 | 1,165 |
| Securities gains (losses) | $563,000 | 335 |
| Applicable income taxes | $1,255,000 | 1,074 |
| Income before extraordinary items | $3,013,000 | 1,095 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,013,000 | 1,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $561,000 | 638 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,613,270 | 1,204 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $10,155,000 | 685 |
| Total interest expense | $3,740,000 | 539 |
| Net interest income | $6,415,000 | 761 |
| Provision for loan and lease losses | $170,000 | 1,314 |
| Total noninterest income | $623,000 | 1,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $623,000 | 1,100 |
| Total noninterest expense | $5,065,000 | 800 |
| Salaries and employee benefits | $3,274,000 | 651 |
| Premises and equipment expense | $887,000 | 656 |
| Additional noninterest expense | $904,000 | 1,341 |
| Pre-tax net operating income | $1,803,000 | 1,167 |
| Securities gains (losses) | $268,000 | 412 |
| Applicable income taxes | $600,000 | 1,118 |
| Income before extraordinary items | $1,471,000 | 1,115 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,471,000 | 1,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $627,000 | 361 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,280,720 | 1,198 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $42,247,000 | 660 |
| Total interest expense | $17,691,000 | 517 |
| Net interest income | $24,556,000 | 778 |
| Provision for loan and lease losses | $442,000 | 2,400 |
| Total noninterest income | $2,765,000 | 1,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,765,000 | 1,148 |
| Total noninterest expense | $20,874,000 | 773 |
| Salaries and employee benefits | $12,877,000 | 661 |
| Premises and equipment expense | $3,300,000 | 696 |
| Additional noninterest expense | $4,697,000 | 1,082 |
| Pre-tax net operating income | $6,005,000 | 1,373 |
| Securities gains (losses) | $3,502,000 | 196 |
| Applicable income taxes | $2,983,000 | 930 |
| Income before extraordinary items | $6,524,000 | 992 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,524,000 | 994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,806 |
| Cash dividends | $6,000,000 | 543 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,107,620 | 1,459 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $32,082,000 | 669 |
| Total interest expense | $13,767,000 | 519 |
| Net interest income | $18,315,000 | 793 |
| Provision for loan and lease losses | $341,000 | 2,298 |
| Total noninterest income | $2,074,000 | 1,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,074,000 | 1,197 |
| Total noninterest expense | $15,944,000 | 773 |
| Salaries and employee benefits | $9,678,000 | 679 |
| Premises and equipment expense | $2,498,000 | 706 |
| Additional noninterest expense | $3,768,000 | 1,020 |
| Pre-tax net operating income | $4,104,000 | 1,544 |
| Securities gains (losses) | $3,318,000 | 191 |
| Applicable income taxes | $2,341,000 | 937 |
| Income before extraordinary items | $5,081,000 | 993 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,081,000 | 993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $319,000 | 1,646 |
| Cash dividends | $6,000,000 | 422 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,824,760 | 1,614 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $22,033,000 | 652 |
| Total interest expense | $9,593,000 | 515 |
| Net interest income | $12,440,000 | 779 |
| Provision for loan and lease losses | $282,000 | 1,941 |
| Total noninterest income | $1,318,000 | 1,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,318,000 | 1,241 |
| Total noninterest expense | $11,111,000 | 744 |
| Salaries and employee benefits | $6,360,000 | 691 |
| Premises and equipment expense | $1,683,000 | 698 |
| Additional noninterest expense | $3,068,000 | 856 |
| Pre-tax net operating income | $2,365,000 | 1,766 |
| Securities gains (losses) | $2,664,000 | 191 |
| Applicable income taxes | $1,599,000 | 945 |
| Income before extraordinary items | $3,430,000 | 971 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,430,000 | 972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 1,401 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,618,480 | 1,857 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $11,412,000 | 639 |
| Total interest expense | $4,900,000 | 522 |
| Net interest income | $6,512,000 | 735 |
| Provision for loan and lease losses | $110,000 | 2,202 |
| Total noninterest income | $546,000 | 2,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $546,000 | 1,390 |
| Total noninterest expense | $5,207,000 | 783 |
| Salaries and employee benefits | $3,047,000 | 712 |
| Premises and equipment expense | $836,000 | 697 |
| Additional noninterest expense | $1,324,000 | 934 |
| Pre-tax net operating income | $1,741,000 | 1,238 |
| Securities gains (losses) | $945,000 | 224 |
| Applicable income taxes | $878,000 | 888 |
| Income before extraordinary items | $1,808,000 | 930 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,808,000 | 929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 737 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,174,850 | 1,308 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $46,393,000 | 659 |
| Total interest expense | $20,984,000 | 557 |
| Net interest income | $25,409,000 | 744 |
| Provision for loan and lease losses | $970,000 | 1,390 |
| Total noninterest income | $2,047,000 | 2,084 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,047,000 | 1,288 |
| Total noninterest expense | $17,475,000 | 894 |
| Salaries and employee benefits | $10,952,000 | 737 |
| Premises and equipment expense | $2,976,000 | 745 |
| Additional noninterest expense | $3,547,000 | 1,348 |
| Pre-tax net operating income | $9,011,000 | 950 |
| Securities gains (losses) | $465,000 | 686 |
| Applicable income taxes | $3,118,000 | 892 |
| Income before extraordinary items | $6,358,000 | 984 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,358,000 | 986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,113 |
| Cash dividends | $2,000,000 | 1,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,046,450 | 994 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $44,584,000 | 763 |
| Total interest expense | $24,238,000 | 689 |
| Net interest income | $20,346,000 | 866 |
| Provision for loan and lease losses | $4,374,000 | 391 |
| Total noninterest income | $1,913,000 | 2,086 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,913,000 | 1,288 |
| Total noninterest expense | $14,558,000 | 1,014 |
| Salaries and employee benefits | $8,546,000 | 872 |
| Premises and equipment expense | $2,556,000 | 821 |
| Additional noninterest expense | $3,456,000 | 1,355 |
| Pre-tax net operating income | $3,327,000 | 2,066 |
| Securities gains (losses) | $1,108,000 | 379 |
| Applicable income taxes | $1,455,000 | 1,528 |
| Income before extraordinary items | $2,980,000 | 1,765 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,980,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,129,000 | 353 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,237,640 | 2,232 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $42,410,000 | 841 |
| Total interest expense | $23,003,000 | 791 |
| Net interest income | $19,407,000 | 895 |
| Provision for loan and lease losses | $4,691,000 | 335 |
| Total noninterest income | $1,616,000 | 2,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,616,000 | 1,303 |
| Total noninterest expense | $12,897,000 | 1,082 |
| Salaries and employee benefits | $7,864,000 | 884 |
| Premises and equipment expense | $2,229,000 | 899 |
| Additional noninterest expense | $2,804,000 | 1,592 |
| Pre-tax net operating income | $3,435,000 | 2,117 |
| Securities gains (losses) | $231,000 | 387 |
| Applicable income taxes | $1,487,000 | 1,528 |
| Income before extraordinary items | $2,179,000 | 2,344 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,179,000 | 2,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,231,000 | 298 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,031,160 | 2,526 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $34,738,000 | 960 |
| Total interest expense | $17,308,000 | 909 |
| Net interest income | $17,430,000 | 1,007 |
| Provision for loan and lease losses | $792,000 | 1,198 |
| Total noninterest income | $1,117,000 | 2,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,117,000 | 1,733 |
| Total noninterest expense | $10,611,000 | 1,302 |
| Salaries and employee benefits | $6,298,000 | 1,089 |
| Premises and equipment expense | $1,587,000 | 1,277 |
| Additional noninterest expense | $2,726,000 | 1,639 |
| Pre-tax net operating income | $7,144,000 | 1,086 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $2,500,000 | 1,014 |
| Income before extraordinary items | $4,642,000 | 1,184 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,642,000 | 1,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 9,667 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,643,300 | 1,165 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $29,804,000 | 1,092 |
| Total interest expense | $15,773,000 | 1,005 |
| Net interest income | $14,031,000 | 1,207 |
| Provision for loan and lease losses | $1,067,000 | 916 |
| Total noninterest income | $1,216,000 | 2,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,216,000 | 1,612 |
| Total noninterest expense | $9,969,000 | 1,320 |
| Salaries and employee benefits | $5,829,000 | 1,118 |
| Premises and equipment expense | $1,417,000 | 1,377 |
| Additional noninterest expense | $2,723,000 | 1,583 |
| Pre-tax net operating income | $4,211,000 | 1,744 |
| Securities gains (losses) | $25,000 | 2,265 |
| Applicable income taxes | $1,528,000 | 1,594 |
| Income before extraordinary items | $2,708,000 | 1,929 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,708,000 | 1,928 |
| 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 | $9,828,000 | 106 |
| Net operating income | $2,692,000 | 1,868 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $26,757,000 | 1,256 |
| Total interest expense | $14,460,000 | 1,121 |
| Net interest income | $12,297,000 | 1,406 |
| Provision for loan and lease losses | $275,000 | 2,782 |
| Total noninterest income | $1,264,000 | 2,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,264,000 | 1,493 |
| Total noninterest expense | $7,522,000 | 1,728 |
| Salaries and employee benefits | $4,129,000 | 1,578 |
| Premises and equipment expense | $1,109,000 | 1,781 |
| Additional noninterest expense | $2,284,000 | 1,863 |
| Pre-tax net operating income | $5,764,000 | 1,347 |
| Securities gains (losses) | $-29,000 | 10,497 |
| Applicable income taxes | $2,127,000 | 1,248 |
| Income before extraordinary items | $3,608,000 | 1,496 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,608,000 | 1,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 1,473 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,626,560 | 1,453 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,190,000 | 1,455 |
| Total interest expense | $12,967,000 | 1,256 |
| Net interest income | $10,223,000 | 1,728 |
| Provision for loan and lease losses | $270,000 | 2,798 |
| Total noninterest income | $834,000 | 3,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $834,000 | 2,046 |
| Total noninterest expense | $7,948,000 | 1,786 |
| Salaries and employee benefits | $3,438,000 | 1,916 |
| Premises and equipment expense | $999,000 | 2,001 |
| Additional noninterest expense | $3,511,000 | 1,509 |
| Pre-tax net operating income | $2,839,000 | 2,481 |
| Securities gains (losses) | $195,000 | 707 |
| Applicable income taxes | $1,152,000 | 2,073 |
| Income before extraordinary items | $1,882,000 | 2,583 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,882,000 | 2,585 |
| 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 | $1,757,200 | 2,717 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,108,000 | 1,608 |
| Total interest expense | $11,904,000 | 1,378 |
| Net interest income | $9,204,000 | 1,948 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $999,000 | 3,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $999,000 | 1,802 |
| Total noninterest expense | $5,892,000 | 2,312 |
| Salaries and employee benefits | $2,988,000 | 2,215 |
| Premises and equipment expense | $968,000 | 2,077 |
| Additional noninterest expense | $1,936,000 | 2,465 |
| Pre-tax net operating income | $4,251,000 | 1,730 |
| Securities gains (losses) | $1,175,000 | 196 |
| Applicable income taxes | $2,033,000 | 1,257 |
| Income before extraordinary items | $3,393,000 | 1,507 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,393,000 | 1,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,995 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,641,000 | 1,882 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,272,000 | 1,783 |
| Total interest expense | $7,993,000 | 1,592 |
| Net interest income | $9,279,000 | 1,956 |
| Provision for loan and lease losses | $144,000 | 3,703 |
| Total noninterest income | $890,000 | 3,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-5,000 | 4,807 |
| Additional Noninterest Income | $895,000 | 1,986 |
| Total noninterest expense | $4,905,000 | 2,825 |
| Salaries and employee benefits | $2,745,000 | 2,438 |
| Premises and equipment expense | $833,000 | 2,436 |
| Additional noninterest expense | $1,327,000 | 3,711 |
| Pre-tax net operating income | $5,120,000 | 1,441 |
| Securities gains (losses) | $-24,000 | 10,481 |
| Applicable income taxes | $1,816,000 | 1,308 |
| Income before extraordinary items | $3,280,000 | 1,501 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,280,000 | 1,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,295,360 | 1,511 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,355,000 | 2,047 |
| Total interest expense | $7,014,000 | 1,858 |
| Net interest income | $8,341,000 | 2,163 |
| Provision for loan and lease losses | $228,000 | 3,632 |
| Total noninterest income | $1,293,000 | 2,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,293,000 | 1,723 |
| Total noninterest expense | $3,769,000 | 3,675 |
| Salaries and employee benefits | $2,266,000 | 2,910 |
| Premises and equipment expense | $616,000 | 3,243 |
| Additional noninterest expense | $887,000 | 5,437 |
| Pre-tax net operating income | $5,637,000 | 1,230 |
| Securities gains (losses) | $678,000 | 727 |
| Applicable income taxes | $2,204,000 | 1,108 |
| Income before extraordinary items | $4,111,000 | 1,243 |
| Extraordinary gains, net | $-39,000 | 12,644 |
| Net income | $4,072,000 | 1,290 |
| 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 | $3,670,300 | 1,304 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,517,000 | 2,274 |
| Total interest expense | $8,558,000 | 1,991 |
| Net interest income | $6,959,000 | 2,610 |
| Provision for loan and lease losses | $107,000 | 7,099 |
| Total noninterest income | $232,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $232,000 | 5,208 |
| Total noninterest expense | $3,659,000 | 3,786 |
| Salaries and employee benefits | $1,984,000 | 3,230 |
| Premises and equipment expense | $619,000 | 3,260 |
| Additional noninterest expense | $1,056,000 | 4,835 |
| Pre-tax net operating income | $3,425,000 | 1,808 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,143,000 | 1,846 |
| Income before extraordinary items | $2,282,000 | 2,013 |
| Extraordinary gains, net | $-274,000 | 13,770 |
| Net income | $2,008,000 | 2,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,282,000 | 1,845 |
* 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.