Home > Florida Choice Bank > Income and Expense
Florida Choice Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,802,000 | 1,769 |
| Total interest expense | $2,838,000 | 1,655 |
| Net interest income | $2,964,000 | 1,882 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $287,000 | 3,219 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $149,000 | 2,633 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $138,000 | 3,191 |
| Total noninterest expense | $1,743,000 | 2,681 |
| Salaries and employee benefits | $1,046,000 | 2,480 |
| Premises and equipment expense | $263,000 | 2,559 |
| Additional noninterest expense | $434,000 | 3,068 |
| Pre-tax net operating income | $1,508,000 | 1,258 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $564,000 | 909 |
| Income before extraordinary items | $944,000 | 1,584 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $944,000 | 1,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,872,000 | 129 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $944,000 | 1,527 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $70,573,000 | 602 |
| Total interest expense | $33,392,000 | 602 |
| Net interest income | $37,181,000 | 602 |
| Provision for loan and lease losses | $4,675,000 | 429 |
| Total noninterest income | $4,639,000 | 1,160 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,583,000 | 1,130 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,056,000 | 1,003 |
| Total noninterest expense | $21,204,000 | 881 |
| Salaries and employee benefits | $11,579,000 | 859 |
| Premises and equipment expense | $2,605,000 | 1,004 |
| Additional noninterest expense | $7,020,000 | 815 |
| Pre-tax net operating income | $15,941,000 | 559 |
| Securities gains (losses) | $-165,000 | 8,235 |
| Applicable income taxes | $5,778,000 | 483 |
| Income before extraordinary items | $9,998,000 | 650 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,998,000 | 648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,583,000 | 727 |
| Cash dividends | $4,000,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $10,103,600 | 630 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $53,681,000 | 587 |
| Total interest expense | $25,013,000 | 603 |
| Net interest income | $28,668,000 | 589 |
| Provision for loan and lease losses | $1,180,000 | 784 |
| Total noninterest income | $3,082,000 | 1,274 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,196,000 | 1,102 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,886,000 | 1,169 |
| Total noninterest expense | $16,273,000 | 845 |
| Salaries and employee benefits | $8,910,000 | 834 |
| Premises and equipment expense | $2,007,000 | 958 |
| Additional noninterest expense | $5,356,000 | 783 |
| Pre-tax net operating income | $14,297,000 | 518 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $5,281,000 | 456 |
| Income before extraordinary items | $9,016,000 | 586 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $9,016,000 | 584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 1,314 |
| Cash dividends | $3,000,000 | 857 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $9,016,000 | 577 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $36,145,000 | 586 |
| Total interest expense | $16,721,000 | 609 |
| Net interest income | $19,424,000 | 598 |
| Provision for loan and lease losses | $430,000 | 1,175 |
| Total noninterest income | $2,210,000 | 1,229 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $772,000 | 1,145 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,438,000 | 1,081 |
| Total noninterest expense | $10,865,000 | 858 |
| Salaries and employee benefits | $5,993,000 | 842 |
| Premises and equipment expense | $1,326,000 | 984 |
| Additional noninterest expense | $3,546,000 | 796 |
| Pre-tax net operating income | $10,339,000 | 516 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,832,000 | 463 |
| Income before extraordinary items | $6,507,000 | 577 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,507,000 | 577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 1,823 |
| Cash dividends | $2,000,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $6,507,000 | 567 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,750,000 | 988 |
| Total interest expense | $4,916,000 | 1,005 |
| Net interest income | $5,834,000 | 958 |
| Provision for loan and lease losses | $260,000 | 929 |
| Total noninterest income | $603,000 | 1,935 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $79,000 | 3,930 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $524,000 | 1,311 |
| Total noninterest expense | $3,431,000 | 1,356 |
| Salaries and employee benefits | $1,818,000 | 1,423 |
| Premises and equipment expense | $366,000 | 1,816 |
| Additional noninterest expense | $1,247,000 | 1,089 |
| Pre-tax net operating income | $2,746,000 | 858 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,011,000 | 728 |
| Income before extraordinary items | $1,735,000 | 1,018 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,735,000 | 1,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 1,571 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,735,000 | 1,000 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,196,000 | 1,304 |
| Total interest expense | $12,343,000 | 1,357 |
| Net interest income | $17,853,000 | 1,268 |
| Provision for loan and lease losses | $1,150,000 | 910 |
| Total noninterest income | $908,000 | 3,760 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $275,000 | 4,287 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $633,000 | 2,921 |
| Total noninterest expense | $9,370,000 | 1,901 |
| Salaries and employee benefits | $4,769,000 | 2,052 |
| Premises and equipment expense | $939,000 | 2,621 |
| Additional noninterest expense | $3,662,000 | 1,451 |
| Pre-tax net operating income | $8,241,000 | 1,199 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,037,000 | 933 |
| Income before extraordinary items | $5,204,000 | 1,407 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,204,000 | 1,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,204,000 | 1,392 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,721,000 | 1,509 |
| Total interest expense | $7,853,000 | 1,557 |
| Net interest income | $11,868,000 | 1,456 |
| Provision for loan and lease losses | $1,090,000 | 702 |
| Total noninterest income | $603,000 | 4,046 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $192,000 | 4,481 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $411,000 | 3,174 |
| Total noninterest expense | $6,249,000 | 2,132 |
| Salaries and employee benefits | $3,101,000 | 2,376 |
| Premises and equipment expense | $665,000 | 2,765 |
| Additional noninterest expense | $2,483,000 | 1,583 |
| Pre-tax net operating income | $5,132,000 | 1,477 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,886,000 | 1,140 |
| Income before extraordinary items | $3,246,000 | 1,715 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,246,000 | 1,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,246,000 | 1,705 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,359,000 | 2,058 |
| Total interest expense | $3,668,000 | 2,046 |
| Net interest income | $5,691,000 | 2,062 |
| Provision for loan and lease losses | $840,000 | 620 |
| Total noninterest income | $306,000 | 4,686 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $109,000 | 4,821 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $197,000 | 3,774 |
| Total noninterest expense | $3,079,000 | 2,824 |
| Salaries and employee benefits | $1,488,000 | 3,142 |
| Premises and equipment expense | $314,000 | 3,631 |
| Additional noninterest expense | $1,277,000 | 2,059 |
| Pre-tax net operating income | $2,078,000 | 2,241 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $758,000 | 1,746 |
| Income before extraordinary items | $1,320,000 | 2,588 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,320,000 | 2,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,722 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,320,000 | 2,571 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,467,000 | 1,268 |
| Total interest expense | $3,062,000 | 1,202 |
| Net interest income | $4,405,000 | 1,295 |
| Provision for loan and lease losses | $630,000 | 386 |
| Total noninterest income | $280,000 | 3,222 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $134,000 | 2,842 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $146,000 | 3,015 |
| Total noninterest expense | $2,359,000 | 1,889 |
| Salaries and employee benefits | $1,269,000 | 1,934 |
| Premises and equipment expense | $349,000 | 1,811 |
| Additional noninterest expense | $741,000 | 1,768 |
| Pre-tax net operating income | $1,696,000 | 1,456 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $594,000 | 1,207 |
| Income before extraordinary items | $1,102,000 | 1,626 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,102,000 | 1,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,102,000 | 1,607 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,542,000 | 1,810 |
| Total interest expense | $6,009,000 | 1,881 |
| Net interest income | $12,533,000 | 1,751 |
| Provision for loan and lease losses | $2,740,000 | 390 |
| Total noninterest income | $1,142,000 | 3,248 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $495,000 | 3,077 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $647,000 | 2,924 |
| Total noninterest expense | $11,362,000 | 1,509 |
| Salaries and employee benefits | $7,983,000 | 1,159 |
| Premises and equipment expense | $982,000 | 2,407 |
| Additional noninterest expense | $2,397,000 | 2,100 |
| Pre-tax net operating income | $-427,000 | 8,480 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-353,000 | 8,736 |
| Income before extraordinary items | $-74,000 | 8,347 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-74,000 | 8,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,747 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-74,000 | 8,322 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,219,000 | 1,997 |
| Total interest expense | $3,759,000 | 2,094 |
| Net interest income | $8,460,000 | 1,950 |
| Provision for loan and lease losses | $1,360,000 | 561 |
| Total noninterest income | $754,000 | 3,555 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $349,000 | 3,216 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $405,000 | 3,255 |
| Total noninterest expense | $4,887,000 | 2,524 |
| Salaries and employee benefits | $2,564,000 | 2,603 |
| Premises and equipment expense | $667,000 | 2,609 |
| Additional noninterest expense | $1,656,000 | 2,232 |
| Pre-tax net operating income | $2,967,000 | 2,252 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $974,000 | 1,918 |
| Income before extraordinary items | $1,993,000 | 2,495 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,993,000 | 2,495 |
| 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 | $1,993,000 | 2,464 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,104,000 | 2,219 |
| Total interest expense | $2,142,000 | 2,283 |
| Net interest income | $4,962,000 | 2,179 |
| Provision for loan and lease losses | $1,060,000 | 477 |
| Total noninterest income | $458,000 | 3,724 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $210,000 | 3,396 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $248,000 | 3,384 |
| Total noninterest expense | $2,928,000 | 2,765 |
| Salaries and employee benefits | $1,609,000 | 2,747 |
| Premises and equipment expense | $361,000 | 3,111 |
| Additional noninterest expense | $958,000 | 2,543 |
| Pre-tax net operating income | $1,432,000 | 2,860 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $457,000 | 2,391 |
| Income before extraordinary items | $975,000 | 3,151 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $975,000 | 3,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,656 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $975,000 | 3,105 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,088,000 | 2,506 |
| Total interest expense | $931,000 | 2,477 |
| Net interest income | $2,157,000 | 2,477 |
| Provision for loan and lease losses | $425,000 | 558 |
| Total noninterest income | $194,000 | 4,047 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $97,000 | 3,512 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,786 |
| Total noninterest expense | $1,414,000 | 2,859 |
| Salaries and employee benefits | $796,000 | 2,778 |
| Premises and equipment expense | $173,000 | 3,260 |
| Additional noninterest expense | $445,000 | 2,716 |
| Pre-tax net operating income | $512,000 | 3,610 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $158,000 | 3,023 |
| Income before extraordinary items | $354,000 | 3,931 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $354,000 | 3,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $354,000 | 3,884 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,471,000 | 2,972 |
| Total interest expense | $2,658,000 | 2,906 |
| Net interest income | $6,813,000 | 2,963 |
| Provision for loan and lease losses | $202,000 | 3,667 |
| Total noninterest income | $877,000 | 3,835 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $410,000 | 3,588 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $467,000 | 3,437 |
| Total noninterest expense | $4,712,000 | 3,299 |
| Salaries and employee benefits | $2,667,000 | 3,171 |
| Premises and equipment expense | $581,000 | 3,628 |
| Additional noninterest expense | $1,464,000 | 3,189 |
| Pre-tax net operating income | $2,776,000 | 2,745 |
| Securities gains (losses) | $27,000 | 2,202 |
| Applicable income taxes | $996,000 | 2,166 |
| Income before extraordinary items | $1,807,000 | 3,181 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,807,000 | 3,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,541 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $3,594,000 | 269 |
| Net operating income | $1,789,720 | 3,140 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,725,000 | 3,089 |
| Total interest expense | $1,901,000 | 2,968 |
| Net interest income | $4,824,000 | 3,093 |
| Provision for loan and lease losses | $202,000 | 2,968 |
| Total noninterest income | $704,000 | 3,719 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $315,000 | 3,545 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $389,000 | 3,245 |
| Total noninterest expense | $3,397,000 | 3,374 |
| Salaries and employee benefits | $1,887,000 | 3,311 |
| Premises and equipment expense | $430,000 | 3,677 |
| Additional noninterest expense | $1,080,000 | 3,205 |
| Pre-tax net operating income | $1,929,000 | 2,974 |
| Securities gains (losses) | $27,000 | 2,115 |
| Applicable income taxes | $696,000 | 2,329 |
| Income before extraordinary items | $1,260,000 | 3,417 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,260,000 | 3,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,599 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $3,594,000 | 193 |
| Net operating income | $1,242,720 | 3,369 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,315,000 | 3,176 |
| Total interest expense | $1,193,000 | 3,104 |
| Net interest income | $3,122,000 | 3,168 |
| Provision for loan and lease losses | $202,000 | 2,180 |
| Total noninterest income | $519,000 | 3,483 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $214,000 | 3,491 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $305,000 | 2,958 |
| Total noninterest expense | $2,312,000 | 3,347 |
| Salaries and employee benefits | $1,272,000 | 3,285 |
| Premises and equipment expense | $292,000 | 3,633 |
| Additional noninterest expense | $748,000 | 3,124 |
| Pre-tax net operating income | $1,127,000 | 3,270 |
| Securities gains (losses) | $27,000 | 1,860 |
| Applicable income taxes | $411,000 | 2,512 |
| Income before extraordinary items | $743,000 | 3,715 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $743,000 | 3,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $3,595,000 | 126 |
| Net operating income | $725,720 | 3,686 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,062,000 | 3,309 |
| Total interest expense | $581,000 | 3,200 |
| Net interest income | $1,481,000 | 3,299 |
| Provision for loan and lease losses | $133,000 | 1,692 |
| Total noninterest income | $292,000 | 3,171 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $107,000 | 3,416 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $185,000 | 2,607 |
| Total noninterest expense | $1,149,000 | 3,342 |
| Salaries and employee benefits | $662,000 | 3,184 |
| Premises and equipment expense | $145,000 | 3,675 |
| Additional noninterest expense | $342,000 | 3,360 |
| Pre-tax net operating income | $491,000 | 3,574 |
| Securities gains (losses) | $27,000 | 1,550 |
| Applicable income taxes | $191,000 | 2,647 |
| Income before extraordinary items | $327,000 | 4,039 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $327,000 | 4,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $3,595,000 | 62 |
| Net operating income | $309,720 | 4,061 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,090,000 | 3,778 |
| Total interest expense | $2,280,000 | 3,599 |
| Net interest income | $4,810,000 | 3,788 |
| Provision for loan and lease losses | $441,000 | 2,404 |
| Total noninterest income | $732,000 | 4,440 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $443,000 | 3,418 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $289,000 | 4,583 |
| Total noninterest expense | $3,910,000 | 3,777 |
| Salaries and employee benefits | $2,121,000 | 3,740 |
| Premises and equipment expense | $542,000 | 3,822 |
| Additional noninterest expense | $1,247,000 | 3,621 |
| Pre-tax net operating income | $1,191,000 | 4,702 |
| Securities gains (losses) | $20,000 | 3,211 |
| Applicable income taxes | $417,000 | 3,691 |
| Income before extraordinary items | $794,000 | 5,260 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $794,000 | 5,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,824 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,071,000 | 334 |
| Net operating income | $780,800 | 5,152 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,170,000 | 3,921 |
| Total interest expense | $1,687,000 | 3,756 |
| Net interest income | $3,483,000 | 3,920 |
| Provision for loan and lease losses | $347,000 | 2,273 |
| Total noninterest income | $595,000 | 4,294 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $321,000 | 3,507 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $274,000 | 4,194 |
| Total noninterest expense | $2,933,000 | 3,760 |
| Salaries and employee benefits | $1,516,000 | 3,878 |
| Premises and equipment expense | $409,000 | 3,790 |
| Additional noninterest expense | $1,008,000 | 3,372 |
| Pre-tax net operating income | $798,000 | 5,131 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $309,000 | 3,863 |
| Income before extraordinary items | $495,000 | 5,888 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $495,000 | 5,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,021 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 678 |
| Net operating income | $491,160 | 5,733 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,299,000 | 4,096 |
| Total interest expense | $1,128,000 | 3,868 |
| Net interest income | $2,171,000 | 4,135 |
| Provision for loan and lease losses | $264,000 | 2,054 |
| Total noninterest income | $369,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $204,000 | 3,582 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $165,000 | 4,388 |
| Total noninterest expense | $1,850,000 | 3,915 |
| Salaries and employee benefits | $984,000 | 3,969 |
| Premises and equipment expense | $242,000 | 4,150 |
| Additional noninterest expense | $624,000 | 3,596 |
| Pre-tax net operating income | $426,000 | 5,707 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $157,000 | 4,428 |
| Income before extraordinary items | $269,000 | 6,355 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $269,000 | 6,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 550 |
| Net operating income | $269,000 | 6,142 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,601,000 | 4,231 |
| Total interest expense | $585,000 | 3,830 |
| Net interest income | $1,016,000 | 4,352 |
| Provision for loan and lease losses | $110,000 | 2,202 |
| Total noninterest income | $159,000 | 4,741 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $114,000 | 3,214 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $45,000 | 5,466 |
| Total noninterest expense | $891,000 | 4,021 |
| Salaries and employee benefits | $458,000 | 4,189 |
| Premises and equipment expense | $125,000 | 4,027 |
| Additional noninterest expense | $308,000 | 3,586 |
| Pre-tax net operating income | $174,000 | 6,173 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $63,000 | 4,744 |
| Income before extraordinary items | $111,000 | 6,699 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $111,000 | 6,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 374 |
| Net operating income | $111,000 | 6,530 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,531,000 | 4,818 |
| Total interest expense | $2,267,000 | 4,429 |
| Net interest income | $3,264,000 | 4,996 |
| Provision for loan and lease losses | $362,000 | 3,045 |
| Total noninterest income | $496,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $371,000 | 3,712 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $125,000 | 5,983 |
| Total noninterest expense | $2,760,000 | 4,737 |
| Salaries and employee benefits | $1,320,000 | 5,153 |
| Premises and equipment expense | $365,000 | 4,960 |
| Additional noninterest expense | $1,075,000 | 3,950 |
| Pre-tax net operating income | $638,000 | 6,298 |
| Securities gains (losses) | $8,000 | 3,732 |
| Applicable income taxes | $233,000 | 4,874 |
| Income before extraordinary items | $413,000 | 6,785 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $413,000 | 6,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,210 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $407,880 | 6,679 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,615,000 | 5,889 |
| Total interest expense | $2,377,000 | 5,553 |
| Net interest income | $2,238,000 | 6,070 |
| Provision for loan and lease losses | $383,000 | 2,720 |
| Total noninterest income | $438,000 | 5,447 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $312,000 | 4,058 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $126,000 | 5,899 |
| Total noninterest expense | $2,093,000 | 5,577 |
| Salaries and employee benefits | $1,169,000 | 5,424 |
| Premises and equipment expense | $182,000 | 7,035 |
| Additional noninterest expense | $742,000 | 5,049 |
| Pre-tax net operating income | $200,000 | 7,888 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $77,000 | 6,310 |
| Income before extraordinary items | $129,000 | 8,161 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $129,000 | 8,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,513 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $2,092,000 | 296 |
| Net operating income | $125,160 | 8,076 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,046,000 | 7,357 |
| Total interest expense | $1,607,000 | 6,952 |
| Net interest income | $1,439,000 | 7,573 |
| Provision for loan and lease losses | $393,000 | 2,306 |
| Total noninterest income | $178,000 | 7,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 5,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,368 |
| Total noninterest expense | $1,590,000 | 6,511 |
| Salaries and employee benefits | $848,000 | 6,507 |
| Premises and equipment expense | $173,000 | 7,198 |
| Additional noninterest expense | $569,000 | 5,965 |
| Pre-tax net operating income | $-366,000 | 9,466 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $-295,000 | 9,740 |
| Income before extraordinary items | $-76,000 | 9,239 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-76,000 | 9,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-72,800 | 9,228 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $726,000 | 9,831 |
| Total interest expense | $248,000 | 9,871 |
| Net interest income | $478,000 | 9,719 |
| Provision for loan and lease losses | $202,000 | 3,533 |
| Total noninterest income | $14,000 | 10,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $1,302,000 | 7,292 |
| Salaries and employee benefits | $679,000 | 7,358 |
| Premises and equipment expense | $166,000 | 7,378 |
| Additional noninterest expense | $457,000 | 6,843 |
| Pre-tax net operating income | $-1,012,000 | 10,060 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $-160,000 | 9,989 |
| Income before extraordinary items | $-853,000 | 10,046 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-853,000 | 10,046 |
| 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 | $7,094,000 | 151 |
| Net operating income | $-852,160 | 10,035 |
* 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.