Home > Acuity Bank > Income and Expense
Acuity Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,216,000 | 4,111 |
| Total interest expense | $1,109,000 | 3,739 |
| Net interest income | $1,107,000 | 4,394 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $231,000 | 3,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $231,000 | 2,339 |
| Total noninterest expense | $1,771,000 | 2,578 |
| Salaries and employee benefits | $827,000 | 2,991 |
| Premises and equipment expense | $331,000 | 1,972 |
| Additional noninterest expense | $613,000 | 2,148 |
| Pre-tax net operating income | $-433,000 | 8,493 |
| Securities gains (losses) | $291,000 | 169 |
| Applicable income taxes | $15,000 | 5,100 |
| Income before extraordinary items | $-157,000 | 8,276 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-157,000 | 8,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-448,000 | 8,511 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,083,000 | 3,298 |
| Total interest expense | $4,641,000 | 3,219 |
| Net interest income | $6,442,000 | 3,333 |
| Provision for loan and lease losses | $-566,000 | 8,607 |
| Total noninterest income | $1,176,000 | 3,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,176,000 | 1,994 |
| Total noninterest expense | $7,848,000 | 2,252 |
| Salaries and employee benefits | $2,644,000 | 3,467 |
| Premises and equipment expense | $1,365,000 | 1,842 |
| Additional noninterest expense | $3,839,000 | 1,382 |
| Pre-tax net operating income | $336,000 | 6,997 |
| Securities gains (losses) | $144,000 | 458 |
| Applicable income taxes | $601,000 | 2,886 |
| Income before extraordinary items | $-121,000 | 8,095 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-121,000 | 8,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-324,000 | 8,625 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-213,160 | 8,155 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,416,000 | 3,255 |
| Total interest expense | $3,446,000 | 3,152 |
| Net interest income | $4,970,000 | 3,288 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $886,000 | 3,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $886,000 | 2,001 |
| Total noninterest expense | $3,951,000 | 3,205 |
| Salaries and employee benefits | $2,022,000 | 3,419 |
| Premises and equipment expense | $1,025,000 | 1,845 |
| Additional noninterest expense | $904,000 | 3,914 |
| Pre-tax net operating income | $1,905,000 | 3,222 |
| Securities gains (losses) | $104,000 | 435 |
| Applicable income taxes | $759,000 | 2,277 |
| Income before extraordinary items | $1,250,000 | 3,626 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,250,000 | 3,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-276,000 | 8,663 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,183,440 | 3,761 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,673,000 | 3,181 |
| Total interest expense | $2,292,000 | 3,052 |
| Net interest income | $3,381,000 | 3,234 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $572,000 | 3,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $572,000 | 2,030 |
| Total noninterest expense | $2,637,000 | 3,207 |
| Salaries and employee benefits | $1,359,000 | 3,402 |
| Premises and equipment expense | $683,000 | 1,846 |
| Additional noninterest expense | $595,000 | 3,944 |
| Pre-tax net operating income | $1,316,000 | 3,164 |
| Securities gains (losses) | $74,000 | 387 |
| Applicable income taxes | $530,000 | 2,224 |
| Income before extraordinary items | $860,000 | 3,564 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $860,000 | 3,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-252,000 | 8,699 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $812,640 | 3,713 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,689,000 | 3,252 |
| Total interest expense | $1,135,000 | 2,935 |
| Net interest income | $1,554,000 | 3,439 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $348,000 | 2,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $348,000 | 1,732 |
| Total noninterest expense | $1,363,000 | 3,134 |
| Salaries and employee benefits | $695,000 | 3,364 |
| Premises and equipment expense | $353,000 | 1,799 |
| Additional noninterest expense | $315,000 | 3,762 |
| Pre-tax net operating income | $539,000 | 3,571 |
| Securities gains (losses) | $32,000 | 405 |
| Applicable income taxes | $213,000 | 2,527 |
| Income before extraordinary items | $358,000 | 3,976 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $358,000 | 3,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-203,000 | 8,725 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $337,520 | 4,091 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,769,000 | 3,201 |
| Total interest expense | $4,098,000 | 2,601 |
| Net interest income | $5,671,000 | 3,585 |
| Provision for loan and lease losses | $89,000 | 5,019 |
| Total noninterest income | $1,490,000 | 2,704 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,490,000 | 1,668 |
| Total noninterest expense | $6,100,000 | 2,711 |
| Salaries and employee benefits | $3,227,000 | 2,784 |
| Premises and equipment expense | $1,419,000 | 1,720 |
| Additional noninterest expense | $1,454,000 | 3,307 |
| Pre-tax net operating income | $972,000 | 5,426 |
| Securities gains (losses) | $159,000 | 568 |
| Applicable income taxes | $322,000 | 4,042 |
| Income before extraordinary items | $809,000 | 5,316 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $809,000 | 5,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $597,000 | 999 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $694,520 | 5,666 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,097,000 | 3,242 |
| Total interest expense | $2,940,000 | 2,580 |
| Net interest income | $4,157,000 | 3,652 |
| Provision for loan and lease losses | $134,000 | 3,726 |
| Total noninterest income | $1,177,000 | 2,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,177,000 | 1,605 |
| Total noninterest expense | $4,608,000 | 2,654 |
| Salaries and employee benefits | $2,490,000 | 2,687 |
| Premises and equipment expense | $1,062,000 | 1,713 |
| Additional noninterest expense | $1,056,000 | 3,364 |
| Pre-tax net operating income | $592,000 | 6,039 |
| Securities gains (losses) | $122,000 | 601 |
| Applicable income taxes | $182,000 | 4,550 |
| Income before extraordinary items | $532,000 | 5,756 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $532,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 985 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $440,500 | 6,139 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,555,000 | 3,276 |
| Total interest expense | $1,866,000 | 2,555 |
| Net interest income | $2,689,000 | 3,705 |
| Provision for loan and lease losses | $-13,000 | 8,636 |
| Total noninterest income | $757,000 | 2,639 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $757,000 | 1,645 |
| Total noninterest expense | $3,043,000 | 2,664 |
| Salaries and employee benefits | $1,664,000 | 2,667 |
| Premises and equipment expense | $716,000 | 1,675 |
| Additional noninterest expense | $663,000 | 3,500 |
| Pre-tax net operating income | $416,000 | 5,891 |
| Securities gains (losses) | $64,000 | 712 |
| Applicable income taxes | $156,000 | 4,190 |
| Income before extraordinary items | $324,000 | 5,952 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $324,000 | 5,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 1,589 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $281,120 | 6,204 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,167,000 | 3,374 |
| Total interest expense | $889,000 | 2,564 |
| Net interest income | $1,278,000 | 3,849 |
| Provision for loan and lease losses | $-50,000 | 8,802 |
| Total noninterest income | $379,000 | 2,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $379,000 | 1,610 |
| Total noninterest expense | $1,524,000 | 2,672 |
| Salaries and employee benefits | $860,000 | 2,607 |
| Premises and equipment expense | $371,000 | 1,633 |
| Additional noninterest expense | $293,000 | 3,887 |
| Pre-tax net operating income | $183,000 | 6,148 |
| Securities gains (losses) | $28,000 | 699 |
| Applicable income taxes | $65,000 | 4,405 |
| Income before extraordinary items | $146,000 | 6,152 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $146,000 | 6,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 1,622 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $126,680 | 6,422 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,804,000 | 3,481 |
| Total interest expense | $3,207,000 | 2,478 |
| Net interest income | $4,597,000 | 4,058 |
| Provision for loan and lease losses | $-179,000 | 8,833 |
| Total noninterest income | $1,493,000 | 2,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,493,000 | 1,642 |
| Total noninterest expense | $5,529,000 | 2,846 |
| Salaries and employee benefits | $2,979,000 | 2,860 |
| Premises and equipment expense | $1,393,000 | 1,679 |
| Additional noninterest expense | $1,157,000 | 3,864 |
| Pre-tax net operating income | $740,000 | 5,976 |
| Securities gains (losses) | $124,000 | 1,103 |
| Applicable income taxes | $314,000 | 4,111 |
| Income before extraordinary items | $550,000 | 6,157 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $550,000 | 6,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,896 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $470,640 | 6,405 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,679,000 | 3,543 |
| Total interest expense | $2,352,000 | 2,488 |
| Net interest income | $3,327,000 | 4,149 |
| Provision for loan and lease losses | $-150,000 | 8,904 |
| Total noninterest income | $1,126,000 | 2,692 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,126,000 | 1,625 |
| Total noninterest expense | $4,095,000 | 2,858 |
| Salaries and employee benefits | $2,198,000 | 2,878 |
| Premises and equipment expense | $1,065,000 | 1,640 |
| Additional noninterest expense | $832,000 | 3,966 |
| Pre-tax net operating income | $508,000 | 6,288 |
| Securities gains (losses) | $165,000 | 875 |
| Applicable income taxes | $244,000 | 4,127 |
| Income before extraordinary items | $429,000 | 6,153 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $429,000 | 6,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,031 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $323,400 | 6,690 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,705,000 | 3,597 |
| Total interest expense | $1,565,000 | 2,476 |
| Net interest income | $2,140,000 | 4,275 |
| Provision for loan and lease losses | $-150,000 | 8,978 |
| Total noninterest income | $695,000 | 2,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $695,000 | 1,725 |
| Total noninterest expense | $2,685,000 | 2,895 |
| Salaries and employee benefits | $1,456,000 | 2,909 |
| Premises and equipment expense | $708,000 | 1,630 |
| Additional noninterest expense | $521,000 | 4,180 |
| Pre-tax net operating income | $300,000 | 6,498 |
| Securities gains (losses) | $124,000 | 905 |
| Applicable income taxes | $140,000 | 4,363 |
| Income before extraordinary items | $284,000 | 6,155 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 6,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 1,418 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $200,920 | 6,815 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 3,677 |
| Total interest expense | $804,000 | 2,434 |
| Net interest income | $1,014,000 | 4,431 |
| Provision for loan and lease losses | $-100,000 | 9,031 |
| Total noninterest income | $350,000 | 2,792 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $350,000 | 1,686 |
| Total noninterest expense | $1,305,000 | 2,978 |
| Salaries and employee benefits | $706,000 | 3,013 |
| Premises and equipment expense | $358,000 | 1,636 |
| Additional noninterest expense | $241,000 | 4,449 |
| Pre-tax net operating income | $159,000 | 6,326 |
| Securities gains (losses) | $66,000 | 1,037 |
| Applicable income taxes | $75,000 | 4,234 |
| Income before extraordinary items | $150,000 | 6,017 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $150,000 | 6,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $105,780 | 6,676 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,012,000 | 3,441 |
| Total interest expense | $3,786,000 | 2,337 |
| Net interest income | $4,226,000 | 4,189 |
| Provision for loan and lease losses | $214,000 | 3,905 |
| Total noninterest income | $1,544,000 | 2,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,544,000 | 1,780 |
| Total noninterest expense | $5,150,000 | 2,977 |
| Salaries and employee benefits | $2,729,000 | 3,022 |
| Premises and equipment expense | $1,315,000 | 1,722 |
| Additional noninterest expense | $1,106,000 | 3,962 |
| Pre-tax net operating income | $406,000 | 7,016 |
| Securities gains (losses) | $1,090,000 | 448 |
| Applicable income taxes | $533,000 | 3,272 |
| Income before extraordinary items | $963,000 | 4,749 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $963,000 | 4,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 1,983 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $265,400 | 7,298 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,234,000 | 3,379 |
| Total interest expense | $2,913,000 | 2,363 |
| Net interest income | $3,321,000 | 4,061 |
| Provision for loan and lease losses | $314,000 | 2,443 |
| Total noninterest income | $1,127,000 | 2,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,127,000 | 1,886 |
| Total noninterest expense | $3,928,000 | 2,946 |
| Salaries and employee benefits | $2,115,000 | 2,939 |
| Premises and equipment expense | $954,000 | 1,799 |
| Additional noninterest expense | $859,000 | 3,858 |
| Pre-tax net operating income | $206,000 | 7,695 |
| Securities gains (losses) | $1,037,000 | 431 |
| Applicable income taxes | $476,000 | 3,115 |
| Income before extraordinary items | $767,000 | 4,720 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $767,000 | 4,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,327 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $103,320 | 8,067 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,317,000 | 3,281 |
| Total interest expense | $1,986,000 | 2,384 |
| Net interest income | $2,331,000 | 3,911 |
| Provision for loan and lease losses | $276,000 | 1,966 |
| Total noninterest income | $737,000 | 2,915 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $737,000 | 1,893 |
| Total noninterest expense | $2,607,000 | 2,951 |
| Salaries and employee benefits | $1,426,000 | 2,920 |
| Premises and equipment expense | $639,000 | 1,779 |
| Additional noninterest expense | $542,000 | 3,997 |
| Pre-tax net operating income | $185,000 | 7,334 |
| Securities gains (losses) | $760,000 | 441 |
| Applicable income taxes | $373,000 | 2,826 |
| Income before extraordinary items | $572,000 | 4,433 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $572,000 | 4,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 1,503 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $85,600 | 7,934 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,192,000 | 3,248 |
| Total interest expense | $1,022,000 | 2,392 |
| Net interest income | $1,170,000 | 3,903 |
| Provision for loan and lease losses | $136,000 | 1,907 |
| Total noninterest income | $436,000 | 2,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $436,000 | 1,629 |
| Total noninterest expense | $1,342,000 | 2,855 |
| Salaries and employee benefits | $741,000 | 2,810 |
| Premises and equipment expense | $327,000 | 1,748 |
| Additional noninterest expense | $274,000 | 3,932 |
| Pre-tax net operating income | $128,000 | 6,785 |
| Securities gains (losses) | $334,000 | 476 |
| Applicable income taxes | $188,000 | 2,807 |
| Income before extraordinary items | $274,000 | 4,482 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $274,000 | 4,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,956 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $60,240 | 7,536 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,191,000 | 2,968 |
| Total interest expense | $4,733,000 | 2,358 |
| Net interest income | $5,458,000 | 3,396 |
| Provision for loan and lease losses | $978,000 | 1,380 |
| Total noninterest income | $1,361,000 | 2,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,361,000 | 1,781 |
| Total noninterest expense | $5,226,000 | 2,809 |
| Salaries and employee benefits | $2,818,000 | 2,792 |
| Premises and equipment expense | $1,219,000 | 1,823 |
| Additional noninterest expense | $1,189,000 | 3,630 |
| Pre-tax net operating income | $615,000 | 6,373 |
| Securities gains (losses) | $888,000 | 456 |
| Applicable income taxes | $502,000 | 3,434 |
| Income before extraordinary items | $1,001,000 | 4,594 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,001,000 | 4,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 3,037 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $406,040 | 6,687 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,307,000 | 2,756 |
| Total interest expense | $6,706,000 | 2,390 |
| Net interest income | $5,601,000 | 3,125 |
| Provision for loan and lease losses | $1,055,000 | 1,195 |
| Total noninterest income | $1,406,000 | 2,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,406,000 | 1,610 |
| Total noninterest expense | $5,398,000 | 2,617 |
| Salaries and employee benefits | $2,826,000 | 2,656 |
| Premises and equipment expense | $1,319,000 | 1,636 |
| Additional noninterest expense | $1,253,000 | 3,367 |
| Pre-tax net operating income | $554,000 | 6,345 |
| Securities gains (losses) | $871,000 | 428 |
| Applicable income taxes | $472,000 | 3,423 |
| Income before extraordinary items | $953,000 | 4,409 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $953,000 | 4,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $980,000 | 958 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $369,430 | 6,612 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,022,000 | 2,895 |
| Total interest expense | $6,748,000 | 2,492 |
| Net interest income | $5,274,000 | 3,316 |
| Provision for loan and lease losses | $234,000 | 3,423 |
| Total noninterest income | $1,301,000 | 2,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,301,000 | 1,559 |
| Total noninterest expense | $5,169,000 | 2,634 |
| Salaries and employee benefits | $2,721,000 | 2,616 |
| Premises and equipment expense | $1,258,000 | 1,655 |
| Additional noninterest expense | $1,190,000 | 3,456 |
| Pre-tax net operating income | $1,172,000 | 4,792 |
| Securities gains (losses) | $301,000 | 341 |
| Applicable income taxes | $516,000 | 3,422 |
| Income before extraordinary items | $957,000 | 4,508 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $957,000 | 4,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,643 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $761,350 | 5,185 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,629,000 | 3,331 |
| Total interest expense | $5,021,000 | 2,911 |
| Net interest income | $4,608,000 | 3,711 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $4,146,000 | 1,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,146,000 | 727 |
| Total noninterest expense | $8,996,000 | 1,548 |
| Salaries and employee benefits | $5,981,000 | 1,150 |
| Premises and equipment expense | $1,343,000 | 1,528 |
| Additional noninterest expense | $1,672,000 | 2,574 |
| Pre-tax net operating income | $-482,000 | 9,831 |
| Securities gains (losses) | $450,000 | 363 |
| Applicable income taxes | $-18,000 | 9,709 |
| Income before extraordinary items | $-14,000 | 9,461 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-14,000 | 9,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,097 |
| Cash dividends | $1,642,000 | 1,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-302,000 | 9,745 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,757,000 | 3,621 |
| Total interest expense | $4,774,000 | 3,133 |
| Net interest income | $3,983,000 | 4,127 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $4,424,000 | 1,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $4,424,000 | 711 |
| Total noninterest expense | $6,808,000 | 1,912 |
| Salaries and employee benefits | $3,959,000 | 1,681 |
| Premises and equipment expense | $1,373,000 | 1,427 |
| Additional noninterest expense | $1,476,000 | 2,822 |
| Pre-tax net operating income | $1,499,000 | 4,188 |
| Securities gains (losses) | $440,000 | 599 |
| Applicable income taxes | $624,000 | 3,296 |
| Income before extraordinary items | $1,315,000 | 3,651 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,315,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,888 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,015,800 | 4,365 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,912,000 | 4,013 |
| Total interest expense | $4,281,000 | 3,434 |
| Net interest income | $3,631,000 | 4,589 |
| Provision for loan and lease losses | $89,000 | 5,462 |
| Total noninterest income | $4,073,000 | 1,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,073,000 | 706 |
| Total noninterest expense | $6,077,000 | 2,115 |
| Salaries and employee benefits | $3,628,000 | 1,799 |
| Premises and equipment expense | $1,294,000 | 1,504 |
| Additional noninterest expense | $1,155,000 | 3,456 |
| Pre-tax net operating income | $1,538,000 | 4,400 |
| Securities gains (losses) | $242,000 | 630 |
| Applicable income taxes | $723,000 | 3,156 |
| Income before extraordinary items | $1,057,000 | 4,501 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,057,000 | 4,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,267 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $902,120 | 4,992 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,883,000 | 4,647 |
| Total interest expense | $3,568,000 | 4,122 |
| Net interest income | $3,315,000 | 5,059 |
| Provision for loan and lease losses | $18,000 | 8,074 |
| Total noninterest income | $3,180,000 | 1,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-13,000 | 4,652 |
| Additional Noninterest Income | $3,193,000 | 848 |
| Total noninterest expense | $5,984,000 | 2,296 |
| Salaries and employee benefits | $3,048,000 | 2,195 |
| Premises and equipment expense | $1,233,000 | 1,650 |
| Additional noninterest expense | $1,703,000 | 2,815 |
| Pre-tax net operating income | $493,000 | 7,977 |
| Securities gains (losses) | $53,000 | 1,295 |
| Applicable income taxes | $110,000 | 8,579 |
| Income before extraordinary items | $436,000 | 7,338 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $436,000 | 7,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,684 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $393,600 | 7,614 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,828,000 | 5,327 |
| Total interest expense | $2,823,000 | 5,037 |
| Net interest income | $3,005,000 | 5,490 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,169,000 | 2,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,169,000 | 1,628 |
| Total noninterest expense | $3,411,000 | 3,832 |
| Salaries and employee benefits | $1,599,000 | 4,053 |
| Premises and equipment expense | $1,058,000 | 1,927 |
| Additional noninterest expense | $754,000 | 5,505 |
| Pre-tax net operating income | $763,000 | 6,990 |
| Securities gains (losses) | $123,000 | 863 |
| Applicable income taxes | $210,000 | 7,262 |
| Income before extraordinary items | $676,000 | 6,142 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $676,000 | 6,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $582,520 | 6,705 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,120,000 | 5,570 |
| Total interest expense | $2,409,000 | 4,804 |
| Net interest income | $2,711,000 | 6,083 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,156,000 | 2,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,156,000 | 1,676 |
| Total noninterest expense | $3,265,000 | 4,101 |
| Salaries and employee benefits | $1,702,000 | 3,824 |
| Premises and equipment expense | $756,000 | 2,649 |
| Additional noninterest expense | $807,000 | 5,662 |
| Pre-tax net operating income | $602,000 | 7,980 |
| Securities gains (losses) | $125,000 | 683 |
| Applicable income taxes | $4,000 | 11,509 |
| Income before extraordinary items | $723,000 | 5,786 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $723,000 | 5,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $599,250 | 6,604 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,159,000 | 5,619 |
| Total interest expense | $2,429,000 | 4,949 |
| Net interest income | $2,730,000 | 6,107 |
| Provision for loan and lease losses | $128,000 | 5,054 |
| Total noninterest income | $1,041,000 | 3,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-6,000 | 5,074 |
| Additional Noninterest Income | $1,047,000 | 1,972 |
| Total noninterest expense | $2,662,000 | 4,995 |
| Salaries and employee benefits | $1,397,000 | 4,565 |
| Premises and equipment expense | $608,000 | 3,286 |
| Additional noninterest expense | $657,000 | 6,895 |
| Pre-tax net operating income | $981,000 | 5,963 |
| Securities gains (losses) | $380,000 | 1,097 |
| Applicable income taxes | $136,000 | 8,950 |
| Income before extraordinary items | $1,225,000 | 3,938 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,225,000 | 4,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 6,608 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $883,000 | 4,950 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,012,000 | 5,480 |
| Total interest expense | $3,096,000 | 5,020 |
| Net interest income | $2,916,000 | 5,851 |
| Provision for loan and lease losses | $105,000 | 7,133 |
| Total noninterest income | $1,212,000 | 2,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $12,000 | 403 |
| Additional Noninterest Income | $1,200,000 | 1,767 |
| Total noninterest expense | $2,331,000 | 5,625 |
| Salaries and employee benefits | $1,212,000 | 5,111 |
| Premises and equipment expense | $534,000 | 3,755 |
| Additional noninterest expense | $585,000 | 7,647 |
| Pre-tax net operating income | $1,692,000 | 3,642 |
| Securities gains (losses) | $328,000 | 1,457 |
| Applicable income taxes | $471,000 | 4,202 |
| Income before extraordinary items | $1,549,000 | 2,983 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,549,000 | 3,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 8,849 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,296,440 | 3,283 |
* 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.