Home > American Community Bank > Income and Expense
American Community Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,330,000 | 1,425 |
| Total interest expense | $3,189,000 | 1,085 |
| Net interest income | $3,141,000 | 1,762 |
| Provision for loan and lease losses | $2,280,000 | 686 |
| Total noninterest income | $632,000 | 1,823 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $479,000 | 852 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $153,000 | 2,930 |
| Total noninterest expense | $4,113,000 | 1,220 |
| Salaries and employee benefits | $1,801,000 | 1,452 |
| Premises and equipment expense | $516,000 | 1,373 |
| Additional noninterest expense | $1,796,000 | 933 |
| Pre-tax net operating income | $-2,620,000 | 7,913 |
| Securities gains (losses) | $-50,000 | 7,944 |
| Applicable income taxes | $-990,000 | 8,004 |
| Income before extraordinary items | $-1,680,000 | 7,860 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,680,000 | 7,861 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,680,000 | 7,861 |
| Net charge-offs | $323,000 | 1,711 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 762 |
| Net operating income | $-1,648,000 | 7,843 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $30,411,000 | 1,269 |
| Total interest expense | $14,453,000 | 1,124 |
| Net interest income | $15,958,000 | 1,394 |
| Provision for loan and lease losses | $4,999,000 | 996 |
| Total noninterest income | $3,089,000 | 1,531 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,317,000 | 749 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $772,000 | 2,492 |
| Total noninterest expense | $14,844,000 | 1,313 |
| Salaries and employee benefits | $7,298,000 | 1,400 |
| Premises and equipment expense | $2,181,000 | 1,252 |
| Additional noninterest expense | $5,365,000 | 1,195 |
| Pre-tax net operating income | $-796,000 | 6,919 |
| Securities gains (losses) | $-2,881,000 | 7,987 |
| Applicable income taxes | $-1,239,000 | 7,778 |
| Income before extraordinary items | $-2,438,000 | 7,497 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,438,000 | 7,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,615,000 | 1,482 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $207,000 | 765 |
| Net operating income | $-536,540 | 6,867 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,330,000 | 1,253 |
| Total interest expense | $10,908,000 | 1,160 |
| Net interest income | $12,422,000 | 1,361 |
| Provision for loan and lease losses | $2,163,000 | 1,122 |
| Total noninterest income | $2,252,000 | 1,627 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,792,000 | 734 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $460,000 | 2,944 |
| Total noninterest expense | $11,103,000 | 1,299 |
| Salaries and employee benefits | $5,035,000 | 1,561 |
| Premises and equipment expense | $1,689,000 | 1,214 |
| Additional noninterest expense | $4,379,000 | 1,047 |
| Pre-tax net operating income | $1,408,000 | 2,964 |
| Securities gains (losses) | $-2,753,000 | 8,124 |
| Applicable income taxes | $228,000 | 2,771 |
| Income before extraordinary items | $-1,573,000 | 7,736 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,573,000 | 7,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 1,791 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $79,000 | 845 |
| Net operating income | $1,180,000 | 2,929 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,758,000 | 1,261 |
| Total interest expense | $7,388,000 | 1,186 |
| Net interest income | $8,370,000 | 1,338 |
| Provision for loan and lease losses | $721,000 | 1,499 |
| Total noninterest income | $1,508,000 | 1,642 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,199,000 | 722 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $309,000 | 2,974 |
| Total noninterest expense | $6,720,000 | 1,432 |
| Salaries and employee benefits | $3,260,000 | 1,613 |
| Premises and equipment expense | $1,148,000 | 1,196 |
| Additional noninterest expense | $2,312,000 | 1,289 |
| Pre-tax net operating income | $2,437,000 | 1,417 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $858,000 | 1,061 |
| Income before extraordinary items | $1,579,000 | 1,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,579,000 | 1,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,432 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 732 |
| Net operating income | $1,579,000 | 1,682 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,189,000 | 1,234 |
| Total interest expense | $3,798,000 | 1,232 |
| Net interest income | $4,391,000 | 1,265 |
| Provision for loan and lease losses | $425,000 | 1,099 |
| Total noninterest income | $993,000 | 1,337 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $602,000 | 716 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $391,000 | 1,658 |
| Total noninterest expense | $3,324,000 | 1,440 |
| Salaries and employee benefits | $1,691,000 | 1,572 |
| Premises and equipment expense | $559,000 | 1,228 |
| Additional noninterest expense | $1,074,000 | 1,342 |
| Pre-tax net operating income | $1,635,000 | 1,159 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $580,000 | 892 |
| Income before extraordinary items | $1,055,000 | 1,423 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,055,000 | 1,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,134 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 784 |
| Net operating income | $1,055,000 | 1,376 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $35,426,000 | 1,191 |
| Total interest expense | $15,858,000 | 1,256 |
| Net interest income | $19,568,000 | 1,133 |
| Provision for loan and lease losses | $1,033,000 | 1,388 |
| Total noninterest income | $3,209,000 | 1,561 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,420,000 | 737 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $789,000 | 2,573 |
| Total noninterest expense | $13,350,000 | 1,380 |
| Salaries and employee benefits | $6,749,000 | 1,493 |
| Premises and equipment expense | $2,081,000 | 1,275 |
| Additional noninterest expense | $4,520,000 | 1,240 |
| Pre-tax net operating income | $8,394,000 | 1,004 |
| Securities gains (losses) | $-56,000 | 8,034 |
| Applicable income taxes | $3,022,000 | 815 |
| Income before extraordinary items | $5,316,000 | 1,201 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,316,000 | 1,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $921,000 | 1,091 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 959 |
| Net operating income | $5,351,840 | 1,191 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $26,689,000 | 1,190 |
| Total interest expense | $11,892,000 | 1,266 |
| Net interest income | $14,797,000 | 1,123 |
| Provision for loan and lease losses | $570,000 | 1,400 |
| Total noninterest income | $2,334,000 | 1,600 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,807,000 | 726 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $527,000 | 2,754 |
| Total noninterest expense | $10,036,000 | 1,365 |
| Salaries and employee benefits | $5,066,000 | 1,495 |
| Premises and equipment expense | $1,602,000 | 1,237 |
| Additional noninterest expense | $3,368,000 | 1,215 |
| Pre-tax net operating income | $6,525,000 | 1,057 |
| Securities gains (losses) | $-56,000 | 8,195 |
| Applicable income taxes | $2,351,000 | 840 |
| Income before extraordinary items | $4,118,000 | 1,252 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,118,000 | 1,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $824,000 | 750 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $77,000 | 812 |
| Net operating income | $4,153,840 | 1,230 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $17,619,000 | 1,210 |
| Total interest expense | $7,779,000 | 1,286 |
| Net interest income | $9,840,000 | 1,152 |
| Provision for loan and lease losses | $414,000 | 1,206 |
| Total noninterest income | $1,412,000 | 1,746 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,189,000 | 742 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $223,000 | 3,576 |
| Total noninterest expense | $6,653,000 | 1,391 |
| Salaries and employee benefits | $3,329,000 | 1,542 |
| Premises and equipment expense | $1,070,000 | 1,251 |
| Additional noninterest expense | $2,254,000 | 1,228 |
| Pre-tax net operating income | $4,185,000 | 1,134 |
| Securities gains (losses) | $-59,000 | 8,331 |
| Applicable income taxes | $1,502,000 | 919 |
| Income before extraordinary items | $2,624,000 | 1,354 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,624,000 | 1,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $499,000 | 713 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 686 |
| Net operating income | $2,661,760 | 1,319 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,698,000 | 1,217 |
| Total interest expense | $3,827,000 | 1,294 |
| Net interest income | $4,871,000 | 1,153 |
| Provision for loan and lease losses | $183,000 | 1,252 |
| Total noninterest income | $782,000 | 1,603 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $581,000 | 728 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $201,000 | 2,538 |
| Total noninterest expense | $3,291,000 | 1,405 |
| Salaries and employee benefits | $1,623,000 | 1,600 |
| Premises and equipment expense | $536,000 | 1,259 |
| Additional noninterest expense | $1,132,000 | 1,203 |
| Pre-tax net operating income | $2,179,000 | 1,069 |
| Securities gains (losses) | $-59,000 | 8,512 |
| Applicable income taxes | $773,000 | 894 |
| Income before extraordinary items | $1,347,000 | 1,298 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,347,000 | 1,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 534 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 482 |
| Net operating income | $1,384,760 | 1,247 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $32,335,000 | 1,216 |
| Total interest expense | $13,316,000 | 1,267 |
| Net interest income | $19,019,000 | 1,176 |
| Provision for loan and lease losses | $2,612,000 | 439 |
| Total noninterest income | $2,955,000 | 1,654 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,393,000 | 738 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $562,000 | 3,136 |
| Total noninterest expense | $12,465,000 | 1,439 |
| Salaries and employee benefits | $6,301,000 | 1,558 |
| Premises and equipment expense | $2,161,000 | 1,186 |
| Additional noninterest expense | $4,003,000 | 1,330 |
| Pre-tax net operating income | $6,897,000 | 1,425 |
| Securities gains (losses) | $60,000 | 650 |
| Applicable income taxes | $2,533,000 | 1,086 |
| Income before extraordinary items | $4,424,000 | 1,636 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,424,000 | 1,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,315,000 | 545 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $545,000 | 587 |
| Net operating income | $4,385,600 | 1,632 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $23,581,000 | 1,244 |
| Total interest expense | $9,494,000 | 1,296 |
| Net interest income | $14,087,000 | 1,207 |
| Provision for loan and lease losses | $2,469,000 | 327 |
| Total noninterest income | $2,237,000 | 1,640 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,779,000 | 754 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $458,000 | 2,986 |
| Total noninterest expense | $9,288,000 | 1,451 |
| Salaries and employee benefits | $4,760,000 | 1,560 |
| Premises and equipment expense | $1,616,000 | 1,204 |
| Additional noninterest expense | $2,912,000 | 1,366 |
| Pre-tax net operating income | $4,567,000 | 1,625 |
| Securities gains (losses) | $60,000 | 525 |
| Applicable income taxes | $1,679,000 | 1,274 |
| Income before extraordinary items | $2,948,000 | 1,861 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,948,000 | 1,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $813,000 | 554 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $481,000 | 462 |
| Net operating income | $2,909,600 | 1,869 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,260,000 | 1,262 |
| Total interest expense | $5,924,000 | 1,318 |
| Net interest income | $9,336,000 | 1,214 |
| Provision for loan and lease losses | $940,000 | 547 |
| Total noninterest income | $1,508,000 | 1,629 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,163,000 | 756 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $345,000 | 2,781 |
| Total noninterest expense | $6,290,000 | 1,436 |
| Salaries and employee benefits | $3,289,000 | 1,514 |
| Premises and equipment expense | $1,081,000 | 1,194 |
| Additional noninterest expense | $1,920,000 | 1,387 |
| Pre-tax net operating income | $3,614,000 | 1,405 |
| Securities gains (losses) | $25,000 | 568 |
| Applicable income taxes | $1,356,000 | 1,086 |
| Income before extraordinary items | $2,283,000 | 1,605 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,283,000 | 1,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 998 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $466,000 | 340 |
| Net operating income | $2,267,000 | 1,603 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,327,000 | 1,294 |
| Total interest expense | $2,788,000 | 1,330 |
| Net interest income | $4,539,000 | 1,255 |
| Provision for loan and lease losses | $272,000 | 862 |
| Total noninterest income | $747,000 | 1,611 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $562,000 | 754 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $185,000 | 2,627 |
| Total noninterest expense | $2,956,000 | 1,523 |
| Salaries and employee benefits | $1,472,000 | 1,681 |
| Premises and equipment expense | $548,000 | 1,178 |
| Additional noninterest expense | $936,000 | 1,408 |
| Pre-tax net operating income | $2,058,000 | 1,200 |
| Securities gains (losses) | $25,000 | 436 |
| Applicable income taxes | $763,000 | 969 |
| Income before extraordinary items | $1,320,000 | 1,391 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,320,000 | 1,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,147 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 530 |
| Net operating income | $1,304,000 | 1,382 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,584,000 | 1,301 |
| Total interest expense | $9,026,000 | 1,254 |
| Net interest income | $16,558,000 | 1,320 |
| Provision for loan and lease losses | $809,000 | 1,248 |
| Total noninterest income | $3,024,000 | 1,596 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,305,000 | 751 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $719,000 | 2,723 |
| Total noninterest expense | $11,414,000 | 1,504 |
| Salaries and employee benefits | $5,604,000 | 1,675 |
| Premises and equipment expense | $2,151,000 | 1,130 |
| Additional noninterest expense | $3,659,000 | 1,399 |
| Pre-tax net operating income | $7,359,000 | 1,303 |
| Securities gains (losses) | $10,000 | 1,476 |
| Applicable income taxes | $2,725,000 | 1,048 |
| Income before extraordinary items | $4,644,000 | 1,520 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,644,000 | 1,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,392 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,637,600 | 1,498 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,472,000 | 1,311 |
| Total interest expense | $6,427,000 | 1,246 |
| Net interest income | $12,045,000 | 1,348 |
| Provision for loan and lease losses | $515,000 | 1,367 |
| Total noninterest income | $2,365,000 | 1,538 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,696,000 | 764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $669,000 | 2,384 |
| Total noninterest expense | $8,472,000 | 1,509 |
| Salaries and employee benefits | $4,175,000 | 1,657 |
| Premises and equipment expense | $1,581,000 | 1,149 |
| Additional noninterest expense | $2,716,000 | 1,402 |
| Pre-tax net operating income | $5,423,000 | 1,326 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $2,016,000 | 1,063 |
| Income before extraordinary items | $3,417,000 | 1,545 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,417,000 | 1,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,970 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,410,600 | 1,519 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,675,000 | 1,356 |
| Total interest expense | $3,958,000 | 1,270 |
| Net interest income | $7,717,000 | 1,381 |
| Provision for loan and lease losses | $291,000 | 1,599 |
| Total noninterest income | $1,591,000 | 1,519 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,098,000 | 765 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $493,000 | 2,206 |
| Total noninterest expense | $5,498,000 | 1,539 |
| Salaries and employee benefits | $2,682,000 | 1,718 |
| Premises and equipment expense | $1,012,000 | 1,190 |
| Additional noninterest expense | $1,804,000 | 1,379 |
| Pre-tax net operating income | $3,519,000 | 1,331 |
| Securities gains (losses) | $10,000 | 1,355 |
| Applicable income taxes | $1,318,000 | 1,066 |
| Income before extraordinary items | $2,211,000 | 1,557 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,211,000 | 1,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,204,600 | 1,540 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,616,000 | 1,698 |
| Total interest expense | $1,648,000 | 1,448 |
| Net interest income | $2,968,000 | 1,797 |
| Provision for loan and lease losses | $96,000 | 2,123 |
| Total noninterest income | $603,000 | 1,875 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $408,000 | 1,012 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $195,000 | 2,514 |
| Total noninterest expense | $2,097,000 | 1,974 |
| Salaries and employee benefits | $1,056,000 | 2,156 |
| Premises and equipment expense | $399,000 | 1,515 |
| Additional noninterest expense | $642,000 | 1,910 |
| Pre-tax net operating income | $1,378,000 | 1,658 |
| Securities gains (losses) | $10,000 | 1,006 |
| Applicable income taxes | $526,000 | 1,294 |
| Income before extraordinary items | $862,000 | 1,952 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $862,000 | 1,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,544 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $855,600 | 1,930 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,347,000 | 1,865 |
| Total interest expense | $5,516,000 | 1,492 |
| Net interest income | $9,831,000 | 2,067 |
| Provision for loan and lease losses | $462,000 | 2,093 |
| Total noninterest income | $2,625,000 | 1,793 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,943,000 | 894 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $682,000 | 2,743 |
| Total noninterest expense | $8,667,000 | 1,867 |
| Salaries and employee benefits | $3,992,000 | 2,173 |
| Premises and equipment expense | $1,485,000 | 1,567 |
| Additional noninterest expense | $3,190,000 | 1,538 |
| Pre-tax net operating income | $3,327,000 | 2,371 |
| Securities gains (losses) | $106,000 | 1,198 |
| Applicable income taxes | $1,300,000 | 1,795 |
| Income before extraordinary items | $2,133,000 | 2,764 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,133,000 | 2,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,275 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,065,160 | 2,766 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,097,000 | 1,910 |
| Total interest expense | $4,039,000 | 1,499 |
| Net interest income | $7,058,000 | 2,142 |
| Provision for loan and lease losses | $345,000 | 2,034 |
| Total noninterest income | $1,945,000 | 1,823 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,455,000 | 897 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $490,000 | 2,843 |
| Total noninterest expense | $6,040,000 | 1,987 |
| Salaries and employee benefits | $3,021,000 | 2,158 |
| Premises and equipment expense | $1,043,000 | 1,675 |
| Additional noninterest expense | $1,976,000 | 1,813 |
| Pre-tax net operating income | $2,618,000 | 2,297 |
| Securities gains (losses) | $99,000 | 1,176 |
| Applicable income taxes | $1,032,000 | 1,732 |
| Income before extraordinary items | $1,685,000 | 2,693 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,685,000 | 2,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,195 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,621,640 | 2,709 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,129,000 | 1,960 |
| Total interest expense | $2,716,000 | 1,463 |
| Net interest income | $4,413,000 | 2,268 |
| Provision for loan and lease losses | $217,000 | 2,065 |
| Total noninterest income | $1,289,000 | 1,810 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $945,000 | 909 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $344,000 | 2,758 |
| Total noninterest expense | $4,052,000 | 1,969 |
| Salaries and employee benefits | $2,042,000 | 2,136 |
| Premises and equipment expense | $730,000 | 1,585 |
| Additional noninterest expense | $1,280,000 | 1,866 |
| Pre-tax net operating income | $1,433,000 | 2,683 |
| Securities gains (losses) | $58,000 | 1,362 |
| Applicable income taxes | $588,000 | 1,961 |
| Income before extraordinary items | $903,000 | 3,211 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $903,000 | 3,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,928 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $865,880 | 3,226 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,534,000 | 1,985 |
| Total interest expense | $1,409,000 | 1,419 |
| Net interest income | $2,125,000 | 2,348 |
| Provision for loan and lease losses | $118,000 | 1,889 |
| Total noninterest income | $597,000 | 1,899 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $465,000 | 896 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $132,000 | 3,164 |
| Total noninterest expense | $1,948,000 | 2,060 |
| Salaries and employee benefits | $1,011,000 | 2,170 |
| Premises and equipment expense | $350,000 | 1,676 |
| Additional noninterest expense | $587,000 | 2,015 |
| Pre-tax net operating income | $656,000 | 2,855 |
| Securities gains (losses) | $58,000 | 1,108 |
| Applicable income taxes | $313,000 | 1,861 |
| Income before extraordinary items | $401,000 | 3,487 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $401,000 | 3,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $363,880 | 3,642 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,055,000 | 2,180 |
| Total interest expense | $5,166,000 | 1,734 |
| Net interest income | $7,889,000 | 2,461 |
| Provision for loan and lease losses | $784,000 | 1,482 |
| Total noninterest income | $2,499,000 | 1,953 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,740,000 | 998 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $759,000 | 2,824 |
| Total noninterest expense | $7,327,000 | 2,153 |
| Salaries and employee benefits | $3,755,000 | 2,265 |
| Premises and equipment expense | $1,299,000 | 1,748 |
| Additional noninterest expense | $2,273,000 | 2,120 |
| Pre-tax net operating income | $2,277,000 | 3,093 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $807,000 | 2,522 |
| Income before extraordinary items | $1,470,000 | 3,608 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,470,000 | 3,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $630,000 | 1,335 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,470,000 | 3,453 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,597,000 | 2,274 |
| Total interest expense | $3,844,000 | 1,813 |
| Net interest income | $5,753,000 | 2,528 |
| Provision for loan and lease losses | $636,000 | 1,337 |
| Total noninterest income | $1,989,000 | 1,907 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,368,000 | 952 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $621,000 | 2,781 |
| Total noninterest expense | $5,280,000 | 2,234 |
| Salaries and employee benefits | $2,760,000 | 2,300 |
| Premises and equipment expense | $909,000 | 1,884 |
| Additional noninterest expense | $1,611,000 | 2,228 |
| Pre-tax net operating income | $1,826,000 | 3,041 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $632,000 | 2,576 |
| Income before extraordinary items | $1,194,000 | 3,514 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,194,000 | 3,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $585,000 | 1,034 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,194,000 | 3,349 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,293,000 | 2,331 |
| Total interest expense | $2,552,000 | 1,888 |
| Net interest income | $3,741,000 | 2,593 |
| Provision for loan and lease losses | $492,000 | 1,171 |
| Total noninterest income | $1,350,000 | 1,863 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $948,000 | 900 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $402,000 | 2,794 |
| Total noninterest expense | $3,455,000 | 2,276 |
| Salaries and employee benefits | $1,807,000 | 2,330 |
| Premises and equipment expense | $580,000 | 1,962 |
| Additional noninterest expense | $1,068,000 | 2,226 |
| Pre-tax net operating income | $1,144,000 | 3,202 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $385,000 | 2,774 |
| Income before extraordinary items | $759,000 | 3,651 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $759,000 | 3,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 772 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $759,000 | 3,454 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,030,000 | 2,425 |
| Total interest expense | $1,212,000 | 2,034 |
| Net interest income | $1,818,000 | 2,659 |
| Provision for loan and lease losses | $365,000 | 801 |
| Total noninterest income | $652,000 | 1,875 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $467,000 | 877 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $185,000 | 2,856 |
| Total noninterest expense | $1,626,000 | 2,388 |
| Salaries and employee benefits | $844,000 | 2,496 |
| Premises and equipment expense | $297,000 | 1,930 |
| Additional noninterest expense | $485,000 | 2,397 |
| Pre-tax net operating income | $479,000 | 3,598 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $151,000 | 3,211 |
| Income before extraordinary items | $328,000 | 3,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $328,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $611,000 | 424 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $328,000 | 3,804 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,464,000 | 2,665 |
| Total interest expense | $5,088,000 | 2,208 |
| Net interest income | $6,376,000 | 2,982 |
| Provision for loan and lease losses | $915,000 | 1,455 |
| Total noninterest income | $1,981,000 | 2,146 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,231,000 | 1,323 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $750,000 | 2,607 |
| Total noninterest expense | $6,010,000 | 2,458 |
| Salaries and employee benefits | $3,000,000 | 2,630 |
| Premises and equipment expense | $1,094,000 | 2,004 |
| Additional noninterest expense | $1,916,000 | 2,409 |
| Pre-tax net operating income | $1,432,000 | 4,233 |
| Securities gains (losses) | $41,000 | 2,579 |
| Applicable income taxes | $-83,000 | 9,044 |
| Income before extraordinary items | $1,556,000 | 3,406 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,556,000 | 3,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 2,494 |
| Cash dividends | $214,000 | 4,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,515,000 | 3,369 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,958,000 | 2,842 |
| Total interest expense | $7,134,000 | 2,247 |
| Net interest income | $4,824,000 | 3,536 |
| Provision for loan and lease losses | $543,000 | 2,070 |
| Total noninterest income | $1,786,000 | 2,205 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $949,000 | 1,568 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $837,000 | 2,318 |
| Total noninterest expense | $5,325,000 | 2,663 |
| Salaries and employee benefits | $2,719,000 | 2,745 |
| Premises and equipment expense | $1,005,000 | 2,115 |
| Additional noninterest expense | $1,601,000 | 2,717 |
| Pre-tax net operating income | $742,000 | 5,677 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $745,000 | 5,066 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $745,000 | 5,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,928 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $742,000 | 4,971 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,247,000 | 3,652 |
| Total interest expense | $4,994,000 | 3,319 |
| Net interest income | $4,253,000 | 3,973 |
| Provision for loan and lease losses | $637,000 | 1,531 |
| Total noninterest income | $914,000 | 3,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $539,000 | 2,512 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $375,000 | 3,494 |
| Total noninterest expense | $4,638,000 | 2,914 |
| Salaries and employee benefits | $2,243,000 | 3,134 |
| Premises and equipment expense | $851,000 | 2,429 |
| Additional noninterest expense | $1,544,000 | 2,734 |
| Pre-tax net operating income | $-108,000 | 9,250 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-108,000 | 9,279 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-108,000 | 9,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,329 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-108,000 | 9,275 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,657,000 | 6,664 |
| Total interest expense | $1,424,000 | 7,144 |
| Net interest income | $2,233,000 | 6,211 |
| Provision for loan and lease losses | $742,000 | 1,258 |
| Total noninterest income | $493,000 | 4,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 5,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $343,000 | 3,726 |
| Total noninterest expense | $2,881,000 | 4,346 |
| Salaries and employee benefits | $1,447,000 | 4,461 |
| Premises and equipment expense | $513,000 | 3,683 |
| Additional noninterest expense | $921,000 | 4,300 |
| Pre-tax net operating income | $-897,000 | 10,038 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-897,000 | 10,061 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-897,000 | 10,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-897,000 | 10,051 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $243,000 | 10,338 |
| Total interest expense | $22,000 | 10,381 |
| Net interest income | $221,000 | 10,278 |
| Provision for loan and lease losses | $71,000 | 5,847 |
| Total noninterest income | $1,244,000 | 2,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,243,000 | 1,592 |
| Total noninterest expense | $1,377,000 | 7,024 |
| Salaries and employee benefits | $75,000 | 10,399 |
| Premises and equipment expense | $39,000 | 10,038 |
| Additional noninterest expense | $1,263,000 | 3,227 |
| Pre-tax net operating income | $17,000 | 9,734 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $17,000 | 9,767 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $17,000 | 9,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $12,436,000 | 74 |
| Net operating income | $17,000 | 9,714 |
* 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.