Home > 1st Choice Bank > Income and Expense
1st Choice Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,832,000 | 2,100 |
| Total interest expense | $2,152,000 | 2,112 |
| Net interest income | $2,680,000 | 2,080 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $-842,000 | 8,470 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $158,000 | 2,507 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-1,000,000 | 8,486 |
| Total noninterest expense | $2,212,000 | 2,167 |
| Salaries and employee benefits | $753,000 | 3,341 |
| Premises and equipment expense | $134,000 | 4,326 |
| Additional noninterest expense | $1,325,000 | 1,091 |
| Pre-tax net operating income | $-474,000 | 8,067 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-160,000 | 8,222 |
| Income before extraordinary items | $-314,000 | 7,997 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-314,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,596 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-314,000 | 7,971 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $21,017,000 | 2,003 |
| Total interest expense | $8,983,000 | 2,118 |
| Net interest income | $12,034,000 | 1,883 |
| Provision for loan and lease losses | $75,000 | 5,254 |
| Total noninterest income | $722,000 | 4,219 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $603,000 | 2,664 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $119,000 | 5,953 |
| Total noninterest expense | $5,437,000 | 3,217 |
| Salaries and employee benefits | $3,215,000 | 3,051 |
| Premises and equipment expense | $545,000 | 4,111 |
| Additional noninterest expense | $1,677,000 | 3,125 |
| Pre-tax net operating income | $7,244,000 | 1,168 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,467,000 | 937 |
| Income before extraordinary items | $4,777,000 | 1,346 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,777,000 | 1,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,918 |
| Cash dividends | $1,792,000 | 1,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,777,000 | 1,333 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,740,000 | 2,009 |
| Total interest expense | $6,704,000 | 2,118 |
| Net interest income | $9,036,000 | 1,892 |
| Provision for loan and lease losses | $75,000 | 4,567 |
| Total noninterest income | $551,000 | 4,190 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $446,000 | 2,674 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $105,000 | 5,709 |
| Total noninterest expense | $4,193,000 | 3,112 |
| Salaries and employee benefits | $2,496,000 | 2,930 |
| Premises and equipment expense | $433,000 | 3,931 |
| Additional noninterest expense | $1,264,000 | 3,054 |
| Pre-tax net operating income | $5,319,000 | 1,282 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,815,000 | 1,036 |
| Income before extraordinary items | $3,504,000 | 1,453 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,504,000 | 1,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,601 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,504,000 | 1,444 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,330,000 | 2,054 |
| Total interest expense | $4,417,000 | 2,150 |
| Net interest income | $5,913,000 | 1,955 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $387,000 | 4,106 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $305,000 | 2,615 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $82,000 | 5,477 |
| Total noninterest expense | $2,746,000 | 3,197 |
| Salaries and employee benefits | $1,659,000 | 2,978 |
| Premises and equipment expense | $284,000 | 3,995 |
| Additional noninterest expense | $803,000 | 3,182 |
| Pre-tax net operating income | $3,554,000 | 1,328 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,212,000 | 1,094 |
| Income before extraordinary items | $2,342,000 | 1,494 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,342,000 | 1,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,722 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,342,000 | 1,477 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,054,000 | 2,090 |
| Total interest expense | $2,182,000 | 2,156 |
| Net interest income | $2,872,000 | 2,030 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $200,000 | 4,014 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $161,000 | 2,463 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $39,000 | 5,553 |
| Total noninterest expense | $1,348,000 | 3,252 |
| Salaries and employee benefits | $819,000 | 3,025 |
| Premises and equipment expense | $139,000 | 4,082 |
| Additional noninterest expense | $390,000 | 3,238 |
| Pre-tax net operating income | $1,724,000 | 1,358 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $587,000 | 1,142 |
| Income before extraordinary items | $1,137,000 | 1,516 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,137,000 | 1,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 1,794 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,137,000 | 1,506 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,282,000 | 2,151 |
| Total interest expense | $7,078,000 | 2,260 |
| Net interest income | $11,204,000 | 2,076 |
| Provision for loan and lease losses | $535,000 | 1,803 |
| Total noninterest income | $783,000 | 4,112 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $657,000 | 2,500 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $126,000 | 5,927 |
| Total noninterest expense | $5,259,000 | 3,217 |
| Salaries and employee benefits | $3,217,000 | 2,939 |
| Premises and equipment expense | $546,000 | 4,021 |
| Additional noninterest expense | $1,496,000 | 3,294 |
| Pre-tax net operating income | $6,193,000 | 1,560 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,119,000 | 1,269 |
| Income before extraordinary items | $4,074,000 | 1,757 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,074,000 | 1,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,426 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,074,000 | 1,742 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,235,000 | 2,207 |
| Total interest expense | $4,939,000 | 2,342 |
| Net interest income | $8,296,000 | 2,114 |
| Provision for loan and lease losses | $450,000 | 1,514 |
| Total noninterest income | $586,000 | 4,119 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $498,000 | 2,487 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $88,000 | 6,064 |
| Total noninterest expense | $3,956,000 | 3,201 |
| Salaries and employee benefits | $2,344,000 | 3,012 |
| Premises and equipment expense | $409,000 | 4,049 |
| Additional noninterest expense | $1,203,000 | 3,131 |
| Pre-tax net operating income | $4,476,000 | 1,660 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,532,000 | 1,374 |
| Income before extraordinary items | $2,944,000 | 1,864 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,944,000 | 1,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,707 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,944,000 | 1,844 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,383,000 | 2,272 |
| Total interest expense | $3,003,000 | 2,438 |
| Net interest income | $5,380,000 | 2,171 |
| Provision for loan and lease losses | $300,000 | 1,464 |
| Total noninterest income | $385,000 | 4,138 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $327,000 | 2,492 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,139 |
| Total noninterest expense | $2,633,000 | 3,211 |
| Salaries and employee benefits | $1,557,000 | 3,035 |
| Premises and equipment expense | $262,000 | 4,164 |
| Additional noninterest expense | $814,000 | 3,091 |
| Pre-tax net operating income | $2,832,000 | 1,742 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $969,000 | 1,438 |
| Income before extraordinary items | $1,863,000 | 1,957 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,863,000 | 1,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,112 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,863,000 | 1,939 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,930,000 | 2,361 |
| Total interest expense | $1,377,000 | 2,502 |
| Net interest income | $2,553,000 | 2,277 |
| Provision for loan and lease losses | $151,000 | 1,416 |
| Total noninterest income | $215,000 | 3,820 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $175,000 | 2,277 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $40,000 | 5,532 |
| Total noninterest expense | $1,297,000 | 3,267 |
| Salaries and employee benefits | $769,000 | 3,075 |
| Premises and equipment expense | $129,000 | 4,210 |
| Additional noninterest expense | $399,000 | 3,125 |
| Pre-tax net operating income | $1,320,000 | 1,824 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $450,000 | 1,512 |
| Income before extraordinary items | $870,000 | 2,032 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $870,000 | 2,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $870,000 | 2,014 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,327,000 | 2,303 |
| Total interest expense | $4,444,000 | 2,438 |
| Net interest income | $9,883,000 | 2,241 |
| Provision for loan and lease losses | $666,000 | 1,499 |
| Total noninterest income | $852,000 | 3,907 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $703,000 | 2,344 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $149,000 | 5,744 |
| Total noninterest expense | $4,957,000 | 3,259 |
| Salaries and employee benefits | $2,936,000 | 3,023 |
| Premises and equipment expense | $536,000 | 3,979 |
| Additional noninterest expense | $1,485,000 | 3,255 |
| Pre-tax net operating income | $5,112,000 | 1,829 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,742,000 | 1,521 |
| Income before extraordinary items | $3,370,000 | 2,036 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,370,000 | 2,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $514,000 | 1,145 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,370,000 | 2,010 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,401,000 | 2,331 |
| Total interest expense | $3,129,000 | 2,454 |
| Net interest income | $7,272,000 | 2,256 |
| Provision for loan and lease losses | $574,000 | 1,244 |
| Total noninterest income | $646,000 | 3,896 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $532,000 | 2,324 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $114,000 | 5,708 |
| Total noninterest expense | $3,649,000 | 3,285 |
| Salaries and employee benefits | $2,136,000 | 3,085 |
| Premises and equipment expense | $398,000 | 3,982 |
| Additional noninterest expense | $1,115,000 | 3,219 |
| Pre-tax net operating income | $3,695,000 | 1,896 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,259,000 | 1,589 |
| Income before extraordinary items | $2,436,000 | 2,115 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,436,000 | 2,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 1,768 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,436,000 | 2,075 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,649,000 | 2,371 |
| Total interest expense | $1,939,000 | 2,477 |
| Net interest income | $4,710,000 | 2,305 |
| Provision for loan and lease losses | $483,000 | 1,004 |
| Total noninterest income | $434,000 | 3,844 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $356,000 | 2,276 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $78,000 | 5,666 |
| Total noninterest expense | $2,410,000 | 3,292 |
| Salaries and employee benefits | $1,431,000 | 3,049 |
| Premises and equipment expense | $256,000 | 4,076 |
| Additional noninterest expense | $723,000 | 3,275 |
| Pre-tax net operating income | $2,251,000 | 1,991 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $766,000 | 1,680 |
| Income before extraordinary items | $1,485,000 | 2,248 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,485,000 | 2,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 1,562 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,485,000 | 2,216 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,187,000 | 2,422 |
| Total interest expense | $924,000 | 2,493 |
| Net interest income | $2,263,000 | 2,376 |
| Provision for loan and lease losses | $251,000 | 915 |
| Total noninterest income | $211,000 | 3,842 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $167,000 | 2,345 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,463 |
| Total noninterest expense | $1,181,000 | 3,358 |
| Salaries and employee benefits | $713,000 | 3,080 |
| Premises and equipment expense | $128,000 | 4,125 |
| Additional noninterest expense | $340,000 | 3,447 |
| Pre-tax net operating income | $1,042,000 | 2,090 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $355,000 | 1,748 |
| Income before extraordinary items | $687,000 | 2,360 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $687,000 | 2,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,325 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $687,000 | 2,323 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,704,000 | 2,460 |
| Total interest expense | $3,287,000 | 2,424 |
| Net interest income | $8,417,000 | 2,429 |
| Provision for loan and lease losses | $664,000 | 1,520 |
| Total noninterest income | $831,000 | 3,954 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $691,000 | 2,397 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $140,000 | 5,820 |
| Total noninterest expense | $4,686,000 | 3,309 |
| Salaries and employee benefits | $2,858,000 | 2,965 |
| Premises and equipment expense | $511,000 | 4,019 |
| Additional noninterest expense | $1,317,000 | 3,488 |
| Pre-tax net operating income | $3,898,000 | 2,108 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,329,000 | 1,762 |
| Income before extraordinary items | $2,569,000 | 2,377 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,569,000 | 2,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,975 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,569,000 | 2,324 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,545,000 | 2,476 |
| Total interest expense | $2,397,000 | 2,444 |
| Net interest income | $6,148,000 | 2,457 |
| Provision for loan and lease losses | $444,000 | 1,638 |
| Total noninterest income | $614,000 | 4,019 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $511,000 | 2,446 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $103,000 | 5,858 |
| Total noninterest expense | $3,522,000 | 3,288 |
| Salaries and employee benefits | $2,102,000 | 2,996 |
| Premises and equipment expense | $400,000 | 3,873 |
| Additional noninterest expense | $1,020,000 | 3,372 |
| Pre-tax net operating income | $2,796,000 | 2,189 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $951,000 | 1,860 |
| Income before extraordinary items | $1,845,000 | 2,505 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,845,000 | 2,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,620 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,845,000 | 2,441 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,590,000 | 2,505 |
| Total interest expense | $1,540,000 | 2,518 |
| Net interest income | $4,050,000 | 2,462 |
| Provision for loan and lease losses | $351,000 | 1,366 |
| Total noninterest income | $407,000 | 4,051 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $338,000 | 2,469 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $69,000 | 5,871 |
| Total noninterest expense | $2,338,000 | 3,307 |
| Salaries and employee benefits | $1,399,000 | 3,019 |
| Premises and equipment expense | $263,000 | 3,917 |
| Additional noninterest expense | $676,000 | 3,399 |
| Pre-tax net operating income | $1,768,000 | 2,269 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $601,000 | 1,924 |
| Income before extraordinary items | $1,167,000 | 2,584 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,167,000 | 2,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,677 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,167,000 | 2,520 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,742,000 | 2,547 |
| Total interest expense | $756,000 | 2,590 |
| Net interest income | $1,986,000 | 2,512 |
| Provision for loan and lease losses | $186,000 | 1,226 |
| Total noninterest income | $195,000 | 4,119 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $169,000 | 2,416 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $1,180,000 | 3,270 |
| Salaries and employee benefits | $700,000 | 3,033 |
| Premises and equipment expense | $133,000 | 3,917 |
| Additional noninterest expense | $347,000 | 3,313 |
| Pre-tax net operating income | $815,000 | 2,387 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $277,000 | 2,041 |
| Income before extraordinary items | $538,000 | 2,762 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $538,000 | 2,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 8,905 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $538,000 | 2,668 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,485,000 | 2,695 |
| Total interest expense | $2,993,000 | 2,873 |
| Net interest income | $7,492,000 | 2,573 |
| Provision for loan and lease losses | $1,401,000 | 867 |
| Total noninterest income | $731,000 | 4,442 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $607,000 | 2,667 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $124,000 | 6,163 |
| Total noninterest expense | $3,797,000 | 3,858 |
| Salaries and employee benefits | $2,113,000 | 3,754 |
| Premises and equipment expense | $455,000 | 4,339 |
| Additional noninterest expense | $1,229,000 | 3,659 |
| Pre-tax net operating income | $3,025,000 | 2,490 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,036,000 | 2,128 |
| Income before extraordinary items | $1,989,000 | 2,885 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,989,000 | 2,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,412,000 | 708 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,989,000 | 2,750 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,725,000 | 2,795 |
| Total interest expense | $2,261,000 | 2,942 |
| Net interest income | $5,464,000 | 2,667 |
| Provision for loan and lease losses | $855,000 | 1,029 |
| Total noninterest income | $522,000 | 4,633 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $427,000 | 2,818 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $95,000 | 6,182 |
| Total noninterest expense | $2,856,000 | 3,845 |
| Salaries and employee benefits | $1,616,000 | 3,675 |
| Premises and equipment expense | $335,000 | 4,389 |
| Additional noninterest expense | $905,000 | 3,701 |
| Pre-tax net operating income | $2,275,000 | 2,575 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $776,000 | 2,243 |
| Income before extraordinary items | $1,499,000 | 2,966 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,499,000 | 2,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $817,000 | 799 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,499,000 | 2,818 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,084,000 | 2,841 |
| Total interest expense | $1,522,000 | 3,002 |
| Net interest income | $3,562,000 | 2,726 |
| Provision for loan and lease losses | $480,000 | 1,186 |
| Total noninterest income | $345,000 | 4,621 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $277,000 | 2,831 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $68,000 | 6,043 |
| Total noninterest expense | $1,884,000 | 3,859 |
| Salaries and employee benefits | $1,089,000 | 3,635 |
| Premises and equipment expense | $215,000 | 4,496 |
| Additional noninterest expense | $580,000 | 3,803 |
| Pre-tax net operating income | $1,543,000 | 2,528 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $525,000 | 2,246 |
| Income before extraordinary items | $1,018,000 | 2,936 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,018,000 | 2,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 897 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,018,000 | 2,786 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,499,000 | 2,917 |
| Total interest expense | $781,000 | 3,002 |
| Net interest income | $1,718,000 | 2,809 |
| Provision for loan and lease losses | $255,000 | 1,093 |
| Total noninterest income | $173,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $137,000 | 2,770 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 5,881 |
| Total noninterest expense | $921,000 | 3,927 |
| Salaries and employee benefits | $538,000 | 3,674 |
| Premises and equipment expense | $103,000 | 4,610 |
| Additional noninterest expense | $280,000 | 3,863 |
| Pre-tax net operating income | $715,000 | 2,702 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $245,000 | 2,352 |
| Income before extraordinary items | $470,000 | 3,088 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $470,000 | 3,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 741 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $470,000 | 2,928 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,861,000 | 3,056 |
| Total interest expense | $3,421,000 | 3,175 |
| Net interest income | $6,440,000 | 2,958 |
| Provision for loan and lease losses | $345,000 | 3,160 |
| Total noninterest income | $611,000 | 4,675 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $518,000 | 2,888 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $93,000 | 6,581 |
| Total noninterest expense | $3,914,000 | 3,617 |
| Salaries and employee benefits | $2,347,000 | 3,293 |
| Premises and equipment expense | $402,000 | 4,634 |
| Additional noninterest expense | $1,165,000 | 3,700 |
| Pre-tax net operating income | $2,792,000 | 2,642 |
| Securities gains (losses) | $11,000 | 3,555 |
| Applicable income taxes | $966,000 | 2,266 |
| Income before extraordinary items | $1,837,000 | 2,977 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,837,000 | 2,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 3,229 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,829,740 | 2,908 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,742,000 | 3,390 |
| Total interest expense | $4,557,000 | 3,412 |
| Net interest income | $5,185,000 | 3,338 |
| Provision for loan and lease losses | $710,000 | 1,647 |
| Total noninterest income | $406,000 | 5,637 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $350,000 | 3,758 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $56,000 | 7,506 |
| Total noninterest expense | $3,270,000 | 4,053 |
| Salaries and employee benefits | $1,907,000 | 3,731 |
| Premises and equipment expense | $364,000 | 4,906 |
| Additional noninterest expense | $999,000 | 4,068 |
| Pre-tax net operating income | $1,611,000 | 3,687 |
| Securities gains (losses) | $132,000 | 1,514 |
| Applicable income taxes | $593,000 | 2,993 |
| Income before extraordinary items | $1,150,000 | 3,914 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,150,000 | 3,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 1,815 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,062,880 | 3,997 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,077,000 | 4,541 |
| Total interest expense | $3,008,000 | 4,917 |
| Net interest income | $4,069,000 | 4,124 |
| Provision for loan and lease losses | $505,000 | 1,852 |
| Total noninterest income | $251,000 | 6,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 7,994 |
| Total noninterest expense | $2,762,000 | 4,515 |
| Salaries and employee benefits | $1,639,000 | 4,071 |
| Premises and equipment expense | $334,000 | 5,094 |
| Additional noninterest expense | $789,000 | 4,789 |
| Pre-tax net operating income | $1,053,000 | 5,128 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $317,000 | 4,472 |
| Income before extraordinary items | $741,000 | 5,262 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $741,000 | 5,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,965 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $737,500 | 5,276 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,007,000 | 8,493 |
| Total interest expense | $638,000 | 9,114 |
| Net interest income | $1,369,000 | 7,835 |
| Provision for loan and lease losses | $172,000 | 3,944 |
| Total noninterest income | $56,000 | 9,499 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,025 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,524 |
| Total noninterest expense | $1,434,000 | 6,947 |
| Salaries and employee benefits | $804,000 | 6,734 |
| Premises and equipment expense | $233,000 | 6,289 |
| Additional noninterest expense | $397,000 | 7,298 |
| Pre-tax net operating income | $-181,000 | 9,607 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-31,000 | 9,764 |
| Income before extraordinary items | $-150,000 | 9,627 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-150,000 | 9,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $8,842,000 | 100 |
| Net operating income | $-150,000 | 9,604 |
* 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.