Home > Security Savings Bank > Income and Expense
Security Savings Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,521,000 | 2,922 |
| Total interest expense | $9,922,000 | 1,631 |
| Net interest income | $2,599,000 | 5,808 |
| Provision for loan and lease losses | $10,823,000 | 563 |
| Total noninterest income | $-930,000 | 8,249 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,000 | 7,255 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-934,000 | 8,248 |
| Total noninterest expense | $9,717,000 | 1,988 |
| Salaries and employee benefits | $2,513,000 | 3,773 |
| Premises and equipment expense | $747,000 | 3,352 |
| Additional noninterest expense | $6,457,000 | 994 |
| Pre-tax net operating income | $-18,871,000 | 8,096 |
| Securities gains (losses) | $-10,065,000 | 8,175 |
| Applicable income taxes | $-435,000 | 7,447 |
| Income before extraordinary items | $-28,501,000 | 8,137 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-28,501,000 | 8,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,198,000 | 473 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-18,637,300 | 8,110 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,838,000 | 2,856 |
| Total interest expense | $7,450,000 | 1,697 |
| Net interest income | $2,388,000 | 5,287 |
| Provision for loan and lease losses | $5,389,000 | 627 |
| Total noninterest income | $-888,000 | 8,344 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $3,000 | 7,312 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-891,000 | 8,355 |
| Total noninterest expense | $7,890,000 | 1,831 |
| Salaries and employee benefits | $2,016,000 | 3,596 |
| Premises and equipment expense | $520,000 | 3,549 |
| Additional noninterest expense | $5,354,000 | 855 |
| Pre-tax net operating income | $-11,779,000 | 8,239 |
| Securities gains (losses) | $-6,365,000 | 8,243 |
| Applicable income taxes | $-435,000 | 7,846 |
| Income before extraordinary items | $-17,709,000 | 8,269 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-17,709,000 | 8,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,504,000 | 477 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-11,471,300 | 8,256 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,888,000 | 2,770 |
| Total interest expense | $5,042,000 | 1,748 |
| Net interest income | $1,846,000 | 4,865 |
| Provision for loan and lease losses | $4,969,000 | 435 |
| Total noninterest income | $-871,000 | 8,428 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,000 | 7,382 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-872,000 | 8,439 |
| Total noninterest expense | $3,152,000 | 2,923 |
| Salaries and employee benefits | $1,368,000 | 3,584 |
| Premises and equipment expense | $345,000 | 3,591 |
| Additional noninterest expense | $1,439,000 | 2,000 |
| Pre-tax net operating income | $-7,146,000 | 8,331 |
| Securities gains (losses) | $-669,000 | 8,360 |
| Applicable income taxes | $-2,633,000 | 8,352 |
| Income before extraordinary items | $-5,182,000 | 8,320 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,182,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,947,000 | 363 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-4,740,460 | 8,304 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,962,000 | 2,492 |
| Total interest expense | $2,668,000 | 1,761 |
| Net interest income | $1,294,000 | 3,885 |
| Provision for loan and lease losses | $332,000 | 1,288 |
| Total noninterest income | $0 | 8,338 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $0 | 8,220 |
| Total noninterest expense | $1,515,000 | 3,028 |
| Salaries and employee benefits | $685,000 | 3,606 |
| Premises and equipment expense | $175,000 | 3,568 |
| Additional noninterest expense | $655,000 | 2,139 |
| Pre-tax net operating income | $-553,000 | 8,115 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-177,000 | 8,240 |
| Income before extraordinary items | $-376,000 | 8,056 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-376,000 | 8,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 1,086 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-376,000 | 8,038 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,474,000 | 1,886 |
| Total interest expense | $12,862,000 | 1,568 |
| Net interest income | $9,612,000 | 2,318 |
| Provision for loan and lease losses | $5,299,000 | 391 |
| Total noninterest income | $66,000 | 7,880 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,000 | 7,464 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $65,000 | 6,796 |
| Total noninterest expense | $4,732,000 | 3,598 |
| Salaries and employee benefits | $2,176,000 | 4,123 |
| Premises and equipment expense | $419,000 | 4,881 |
| Additional noninterest expense | $2,137,000 | 2,508 |
| Pre-tax net operating income | $-353,000 | 7,734 |
| Securities gains (losses) | $-2,645,000 | 8,469 |
| Applicable income taxes | $-1,007,000 | 8,406 |
| Income before extraordinary items | $-1,991,000 | 8,318 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,991,000 | 8,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,033,000 | 316 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-245,300 | 7,725 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,094,000 | 1,860 |
| Total interest expense | $9,725,000 | 1,553 |
| Net interest income | $7,369,000 | 2,287 |
| Provision for loan and lease losses | $833,000 | 1,046 |
| Total noninterest income | $75,000 | 7,609 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,000 | 7,480 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $74,000 | 6,271 |
| Total noninterest expense | $3,360,000 | 3,753 |
| Salaries and employee benefits | $1,695,000 | 3,993 |
| Premises and equipment expense | $242,000 | 5,589 |
| Additional noninterest expense | $1,423,000 | 2,735 |
| Pre-tax net operating income | $3,251,000 | 1,970 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,106,000 | 1,533 |
| Income before extraordinary items | $2,145,000 | 2,249 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,145,000 | 2,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 1,355 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,145,000 | 2,234 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,536,000 | 1,859 |
| Total interest expense | $6,504,000 | 1,541 |
| Net interest income | $5,032,000 | 2,281 |
| Provision for loan and lease losses | $276,000 | 1,660 |
| Total noninterest income | $65,000 | 7,391 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,000 | 7,510 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $64,000 | 5,897 |
| Total noninterest expense | $2,138,000 | 3,926 |
| Salaries and employee benefits | $1,118,000 | 4,062 |
| Premises and equipment expense | $149,000 | 5,826 |
| Additional noninterest expense | $871,000 | 2,963 |
| Pre-tax net operating income | $2,683,000 | 1,707 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $910,000 | 1,360 |
| Income before extraordinary items | $1,773,000 | 1,940 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,773,000 | 1,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $515,000 | 704 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,773,000 | 1,921 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,705,000 | 1,877 |
| Total interest expense | $3,196,000 | 1,553 |
| Net interest income | $2,509,000 | 2,289 |
| Provision for loan and lease losses | $184,000 | 1,248 |
| Total noninterest income | $33,000 | 7,359 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $33,000 | 5,825 |
| Total noninterest expense | $1,013,000 | 4,102 |
| Salaries and employee benefits | $528,000 | 4,260 |
| Premises and equipment expense | $72,000 | 5,967 |
| Additional noninterest expense | $413,000 | 3,089 |
| Pre-tax net operating income | $1,345,000 | 1,696 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $455,000 | 1,382 |
| Income before extraordinary items | $890,000 | 1,891 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $890,000 | 1,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,225 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $890,000 | 1,883 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,935,000 | 2,313 |
| Total interest expense | $9,732,000 | 1,728 |
| Net interest income | $7,203,000 | 3,025 |
| Provision for loan and lease losses | $808,000 | 1,264 |
| Total noninterest income | $516,000 | 5,065 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,000 | 7,596 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $515,000 | 3,286 |
| Total noninterest expense | $3,166,000 | 4,708 |
| Salaries and employee benefits | $1,672,000 | 4,860 |
| Premises and equipment expense | $174,000 | 6,983 |
| Additional noninterest expense | $1,320,000 | 3,659 |
| Pre-tax net operating income | $3,745,000 | 2,358 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,273,000 | 1,884 |
| Income before extraordinary items | $2,472,000 | 2,643 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,472,000 | 2,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,472,000 | 2,628 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,961,000 | 2,416 |
| Total interest expense | $6,774,000 | 1,794 |
| Net interest income | $5,187,000 | 3,162 |
| Provision for loan and lease losses | $628,000 | 1,163 |
| Total noninterest income | $344,000 | 5,334 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $14,000 | 7,366 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $330,000 | 3,566 |
| Total noninterest expense | $2,157,000 | 5,015 |
| Salaries and employee benefits | $1,105,000 | 5,225 |
| Premises and equipment expense | $127,000 | 7,055 |
| Additional noninterest expense | $925,000 | 3,838 |
| Pre-tax net operating income | $2,746,000 | 2,476 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $934,000 | 1,976 |
| Income before extraordinary items | $1,812,000 | 2,784 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,812,000 | 2,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,812,000 | 2,774 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,350,000 | 2,558 |
| Total interest expense | $4,074,000 | 1,880 |
| Net interest income | $3,276,000 | 3,317 |
| Provision for loan and lease losses | $463,000 | 1,043 |
| Total noninterest income | $339,000 | 4,431 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $339,000 | 2,796 |
| Total noninterest expense | $1,334,000 | 5,276 |
| Salaries and employee benefits | $666,000 | 5,581 |
| Premises and equipment expense | $76,000 | 7,288 |
| Additional noninterest expense | $592,000 | 3,956 |
| Pre-tax net operating income | $1,818,000 | 2,497 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $618,000 | 2,011 |
| Income before extraordinary items | $1,200,000 | 2,794 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,200,000 | 2,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,200,000 | 2,782 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,323,000 | 2,718 |
| Total interest expense | $1,866,000 | 1,939 |
| Net interest income | $1,457,000 | 3,623 |
| Provision for loan and lease losses | $176,000 | 1,255 |
| Total noninterest income | $160,000 | 4,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $160,000 | 2,862 |
| Total noninterest expense | $637,000 | 5,422 |
| Salaries and employee benefits | $317,000 | 5,770 |
| Premises and equipment expense | $38,000 | 7,293 |
| Additional noninterest expense | $282,000 | 4,091 |
| Pre-tax net operating income | $804,000 | 2,696 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $273,000 | 2,136 |
| Income before extraordinary items | $531,000 | 3,019 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $531,000 | 3,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $531,000 | 3,000 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,049,000 | 3,734 |
| Total interest expense | $4,539,000 | 2,398 |
| Net interest income | $3,510,000 | 5,009 |
| Provision for loan and lease losses | $373,000 | 2,401 |
| Total noninterest income | $50,000 | 8,423 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $50,000 | 7,395 |
| Total noninterest expense | $2,135,000 | 5,881 |
| Salaries and employee benefits | $1,065,000 | 6,176 |
| Premises and equipment expense | $141,000 | 7,389 |
| Additional noninterest expense | $929,000 | 4,666 |
| Pre-tax net operating income | $1,052,000 | 5,220 |
| Securities gains (losses) | $8,000 | 1,546 |
| Applicable income taxes | $360,000 | 3,864 |
| Income before extraordinary items | $700,000 | 5,672 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $700,000 | 5,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,857 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $694,720 | 5,665 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,347,000 | 4,046 |
| Total interest expense | $2,978,000 | 2,548 |
| Net interest income | $2,369,000 | 5,348 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $42,000 | 8,421 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $42,000 | 7,265 |
| Total noninterest expense | $1,468,000 | 6,156 |
| Salaries and employee benefits | $752,000 | 6,343 |
| Premises and equipment expense | $105,000 | 7,400 |
| Additional noninterest expense | $611,000 | 5,060 |
| Pre-tax net operating income | $943,000 | 4,921 |
| Securities gains (losses) | $8,000 | 1,553 |
| Applicable income taxes | $323,000 | 3,680 |
| Income before extraordinary items | $628,000 | 5,346 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $628,000 | 5,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $622,720 | 5,330 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,081,000 | 4,435 |
| Total interest expense | $1,640,000 | 2,832 |
| Net interest income | $1,441,000 | 5,622 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $17,000 | 8,578 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $17,000 | 7,791 |
| Total noninterest expense | $933,000 | 6,295 |
| Salaries and employee benefits | $478,000 | 6,476 |
| Premises and equipment expense | $68,000 | 7,447 |
| Additional noninterest expense | $387,000 | 5,195 |
| Pre-tax net operating income | $525,000 | 5,352 |
| Securities gains (losses) | $8,000 | 1,424 |
| Applicable income taxes | $181,000 | 3,961 |
| Income before extraordinary items | $352,000 | 5,766 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $352,000 | 5,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $346,720 | 5,765 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,292,000 | 4,940 |
| Total interest expense | $646,000 | 3,315 |
| Net interest income | $646,000 | 5,993 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $-5,000 | 8,911 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-5,000 | 8,903 |
| Total noninterest expense | $445,000 | 6,461 |
| Salaries and employee benefits | $241,000 | 6,482 |
| Premises and equipment expense | $36,000 | 7,416 |
| Additional noninterest expense | $168,000 | 5,629 |
| Pre-tax net operating income | $196,000 | 6,004 |
| Securities gains (losses) | $8,000 | 1,073 |
| Applicable income taxes | $63,000 | 4,453 |
| Income before extraordinary items | $141,000 | 6,234 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $141,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $135,480 | 6,273 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $872,000 | 8,499 |
| Total interest expense | $451,000 | 7,491 |
| Net interest income | $421,000 | 8,718 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,000 | 8,903 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,000 | 8,793 |
| Total noninterest expense | $399,000 | 8,794 |
| Salaries and employee benefits | $220,000 | 8,787 |
| Premises and equipment expense | $36,000 | 8,755 |
| Additional noninterest expense | $143,000 | 8,629 |
| Pre-tax net operating income | $23,000 | 8,330 |
| Securities gains (losses) | $-3,000 | 7,966 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $20,000 | 8,380 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $20,000 | 8,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $23,000 | 8,335 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,076,000 | 6,659 |
| Total interest expense | $1,043,000 | 4,674 |
| Net interest income | $1,033,000 | 7,509 |
| Provision for loan and lease losses | $73,000 | 4,859 |
| Total noninterest income | $104,000 | 7,741 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $104,000 | 5,840 |
| Total noninterest expense | $922,000 | 7,353 |
| Salaries and employee benefits | $522,000 | 7,247 |
| Premises and equipment expense | $100,000 | 7,531 |
| Additional noninterest expense | $300,000 | 7,086 |
| Pre-tax net operating income | $142,000 | 7,947 |
| Securities gains (losses) | $-6,000 | 8,396 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $136,000 | 7,874 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $136,000 | 7,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $142,000 | 7,784 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 6,655 |
| Total interest expense | $691,000 | 4,713 |
| Net interest income | $714,000 | 7,462 |
| Provision for loan and lease losses | $-14,000 | 8,874 |
| Total noninterest income | $2,000 | 9,001 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $612,000 | 7,416 |
| Salaries and employee benefits | $346,000 | 7,327 |
| Premises and equipment expense | $65,000 | 7,603 |
| Additional noninterest expense | $201,000 | 7,113 |
| Pre-tax net operating income | $118,000 | 7,775 |
| Securities gains (losses) | $-6,000 | 8,606 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $112,000 | 7,661 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $112,000 | 7,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $118,000 | 7,537 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $737,000 | 6,544 |
| Total interest expense | $349,000 | 4,715 |
| Net interest income | $388,000 | 7,333 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $0 | 9,051 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $302,000 | 7,489 |
| Salaries and employee benefits | $175,000 | 7,332 |
| Premises and equipment expense | $32,000 | 7,669 |
| Additional noninterest expense | $95,000 | 7,267 |
| Pre-tax net operating income | $86,000 | 7,376 |
| Securities gains (losses) | $-6,000 | 8,866 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $80,000 | 7,219 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $80,000 | 7,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $86,000 | 7,045 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,917,000 | 6,624 |
| Total interest expense | $1,527,000 | 4,816 |
| Net interest income | $1,390,000 | 7,515 |
| Provision for loan and lease losses | $79,000 | 5,663 |
| Total noninterest income | $7,000 | 9,073 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $7,000 | 8,858 |
| Total noninterest expense | $1,115,000 | 7,645 |
| Salaries and employee benefits | $674,000 | 7,401 |
| Premises and equipment expense | $84,000 | 8,276 |
| Additional noninterest expense | $357,000 | 7,401 |
| Pre-tax net operating income | $203,000 | 7,816 |
| Securities gains (losses) | $-2,000 | 8,601 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $201,000 | 7,762 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $201,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,439 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $203,000 | 7,621 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,203,000 | 6,673 |
| Total interest expense | $1,168,000 | 4,899 |
| Net interest income | $1,035,000 | 7,585 |
| Provision for loan and lease losses | $65,000 | 5,417 |
| Total noninterest income | $7,000 | 9,125 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 8,842 |
| Total noninterest expense | $838,000 | 7,628 |
| Salaries and employee benefits | $508,000 | 7,358 |
| Premises and equipment expense | $60,000 | 8,390 |
| Additional noninterest expense | $270,000 | 7,397 |
| Pre-tax net operating income | $139,000 | 8,032 |
| Securities gains (losses) | $3,000 | 3,777 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $142,000 | 7,960 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $142,000 | 7,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,350 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $139,000 | 7,837 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 6,605 |
| Total interest expense | $805,000 | 4,908 |
| Net interest income | $716,000 | 7,535 |
| Provision for loan and lease losses | $65,000 | 4,607 |
| Total noninterest income | $5,000 | 9,162 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,000 | 8,823 |
| Total noninterest expense | $564,000 | 7,624 |
| Salaries and employee benefits | $341,000 | 7,367 |
| Premises and equipment expense | $39,000 | 8,415 |
| Additional noninterest expense | $184,000 | 7,345 |
| Pre-tax net operating income | $92,000 | 8,067 |
| Securities gains (losses) | $-1,000 | 8,850 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $91,000 | 8,046 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $91,000 | 8,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,501 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $92,000 | 7,871 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $779,000 | 6,556 |
| Total interest expense | $406,000 | 4,993 |
| Net interest income | $373,000 | 7,454 |
| Provision for loan and lease losses | $59,000 | 3,475 |
| Total noninterest income | $2,000 | 9,206 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $284,000 | 7,642 |
| Salaries and employee benefits | $173,000 | 7,350 |
| Premises and equipment expense | $22,000 | 8,271 |
| Additional noninterest expense | $89,000 | 7,438 |
| Pre-tax net operating income | $32,000 | 8,277 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $32,000 | 8,236 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,432 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $32,000 | 8,101 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,131,000 | 6,725 |
| Total interest expense | $1,924,000 | 4,928 |
| Net interest income | $1,207,000 | 7,923 |
| Provision for loan and lease losses | $80,000 | 6,062 |
| Total noninterest income | $6,000 | 9,253 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,000 | 9,043 |
| Total noninterest expense | $992,000 | 7,952 |
| Salaries and employee benefits | $576,000 | 7,815 |
| Premises and equipment expense | $96,000 | 8,225 |
| Additional noninterest expense | $320,000 | 7,663 |
| Pre-tax net operating income | $141,000 | 8,152 |
| Securities gains (losses) | $-1,000 | 8,656 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $140,000 | 8,140 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $140,000 | 8,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,276 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $141,000 | 8,026 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,961,000 | 7,298 |
| Total interest expense | $2,136,000 | 5,901 |
| Net interest income | $825,000 | 8,618 |
| Provision for loan and lease losses | $93,000 | 5,742 |
| Total noninterest income | $5,000 | 9,512 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,000 | 8,372 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,000 | 9,354 |
| Total noninterest expense | $954,000 | 8,081 |
| Salaries and employee benefits | $527,000 | 8,039 |
| Premises and equipment expense | $97,000 | 8,354 |
| Additional noninterest expense | $330,000 | 7,642 |
| Pre-tax net operating income | $-217,000 | 8,978 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-214,000 | 9,058 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-214,000 | 9,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-217,000 | 9,007 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $828,000 | 9,517 |
| Total interest expense | $484,000 | 9,278 |
| Net interest income | $344,000 | 9,645 |
| Provision for loan and lease losses | $199,000 | 3,780 |
| Total noninterest income | $1,000 | 9,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 9,788 |
| Total noninterest expense | $632,000 | 9,012 |
| Salaries and employee benefits | $343,000 | 9,035 |
| Premises and equipment expense | $84,000 | 8,716 |
| Additional noninterest expense | $205,000 | 8,746 |
| Pre-tax net operating income | $-486,000 | 9,523 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-486,000 | 9,558 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-486,000 | 9,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-486,000 | 9,559 |
* 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.