Home > Ameribank, Inc. > Income and Expense
Ameribank, Inc., Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,217,000 | 5,909 |
| Total interest expense | $1,102,000 | 5,345 |
| Net interest income | $1,115,000 | 6,234 |
| Provision for loan and lease losses | $3,859,000 | 515 |
| Total noninterest income | $-565,000 | 8,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-565,000 | 8,430 |
| Total noninterest expense | $3,581,000 | 2,627 |
| Salaries and employee benefits | $1,417,000 | 3,488 |
| Premises and equipment expense | $482,000 | 2,720 |
| Additional noninterest expense | $1,682,000 | 1,740 |
| Pre-tax net operating income | $-6,890,000 | 8,328 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-6,890,000 | 8,344 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,890,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,378,000 | 282 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-6,890,000 | 8,343 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,563,000 | 5,038 |
| Total interest expense | $612,000 | 5,225 |
| Net interest income | $951,000 | 4,790 |
| Provision for loan and lease losses | $140,000 | 2,266 |
| Total noninterest income | $-318,000 | 8,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-318,000 | 8,474 |
| Total noninterest expense | $1,717,000 | 2,717 |
| Salaries and employee benefits | $727,000 | 3,448 |
| Premises and equipment expense | $263,000 | 2,559 |
| Additional noninterest expense | $727,000 | 1,937 |
| Pre-tax net operating income | $-1,224,000 | 8,304 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-1,224,000 | 8,337 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,224,000 | 8,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,336,000 | 215 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,224,000 | 8,328 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,179,000 | 3,732 |
| Total interest expense | $3,328,000 | 4,488 |
| Net interest income | $6,851,000 | 3,154 |
| Provision for loan and lease losses | $12,684,000 | 210 |
| Total noninterest income | $252,000 | 6,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $252,000 | 4,567 |
| Total noninterest expense | $6,424,000 | 2,782 |
| Salaries and employee benefits | $3,071,000 | 3,161 |
| Premises and equipment expense | $1,093,000 | 2,377 |
| Additional noninterest expense | $2,260,000 | 2,385 |
| Pre-tax net operating income | $-12,005,000 | 8,489 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-1,872,000 | 8,454 |
| Income before extraordinary items | $-10,133,000 | 8,488 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-10,133,000 | 8,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,499,000 | 202 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-10,133,000 | 8,483 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,068,000 | 3,589 |
| Total interest expense | $2,534,000 | 4,440 |
| Net interest income | $5,534,000 | 2,958 |
| Provision for loan and lease losses | $6,103,000 | 226 |
| Total noninterest income | $685,000 | 3,730 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $685,000 | 2,358 |
| Total noninterest expense | $4,615,000 | 2,882 |
| Salaries and employee benefits | $2,535,000 | 2,886 |
| Premises and equipment expense | $789,000 | 2,450 |
| Additional noninterest expense | $1,291,000 | 2,990 |
| Pre-tax net operating income | $-4,499,000 | 8,514 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-1,683,000 | 8,514 |
| Income before extraordinary items | $-2,816,000 | 8,496 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-2,816,000 | 8,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $839,000 | 739 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-2,816,000 | 8,487 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,936,000 | 3,325 |
| Total interest expense | $1,724,000 | 4,396 |
| Net interest income | $4,212,000 | 2,643 |
| Provision for loan and lease losses | $753,000 | 737 |
| Total noninterest income | $549,000 | 3,348 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $549,000 | 2,113 |
| Total noninterest expense | $2,892,000 | 3,059 |
| Salaries and employee benefits | $1,637,000 | 3,010 |
| Premises and equipment expense | $500,000 | 2,591 |
| Additional noninterest expense | $755,000 | 3,343 |
| Pre-tax net operating income | $1,116,000 | 3,278 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $426,000 | 2,298 |
| Income before extraordinary items | $690,000 | 3,856 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $690,000 | 3,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $638,000 | 614 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $690,000 | 3,845 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,942,000 | 3,340 |
| Total interest expense | $878,000 | 4,338 |
| Net interest income | $2,064,000 | 2,686 |
| Provision for loan and lease losses | $642,000 | 423 |
| Total noninterest income | $258,000 | 3,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $258,000 | 2,176 |
| Total noninterest expense | $1,440,000 | 3,086 |
| Salaries and employee benefits | $784,000 | 3,141 |
| Premises and equipment expense | $266,000 | 2,446 |
| Additional noninterest expense | $390,000 | 3,238 |
| Pre-tax net operating income | $240,000 | 5,134 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $92,000 | 3,380 |
| Income before extraordinary items | $148,000 | 5,674 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $148,000 | 5,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,755 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $148,000 | 5,658 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,712,000 | 3,396 |
| Total interest expense | $2,461,000 | 4,868 |
| Net interest income | $8,251,000 | 2,688 |
| Provision for loan and lease losses | $595,000 | 1,644 |
| Total noninterest income | $1,298,000 | 2,967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,298,000 | 1,844 |
| Total noninterest expense | $5,650,000 | 3,019 |
| Salaries and employee benefits | $3,222,000 | 2,934 |
| Premises and equipment expense | $873,000 | 2,782 |
| Additional noninterest expense | $1,555,000 | 3,202 |
| Pre-tax net operating income | $3,304,000 | 2,605 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,250,000 | 1,908 |
| Income before extraordinary items | $2,054,000 | 3,043 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,054,000 | 3,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,172 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,054,000 | 3,035 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,626,000 | 3,507 |
| Total interest expense | $1,641,000 | 5,099 |
| Net interest income | $5,985,000 | 2,785 |
| Provision for loan and lease losses | $425,000 | 1,613 |
| Total noninterest income | $828,000 | 3,318 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $828,000 | 2,076 |
| Total noninterest expense | $4,195,000 | 3,043 |
| Salaries and employee benefits | $2,361,000 | 2,990 |
| Premises and equipment expense | $652,000 | 2,806 |
| Additional noninterest expense | $1,182,000 | 3,179 |
| Pre-tax net operating income | $2,193,000 | 2,936 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $880,000 | 2,052 |
| Income before extraordinary items | $1,313,000 | 3,516 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,313,000 | 3,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,508 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,313,000 | 3,499 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,723,000 | 3,653 |
| Total interest expense | $918,000 | 5,450 |
| Net interest income | $3,805,000 | 2,913 |
| Provision for loan and lease losses | $355,000 | 1,291 |
| Total noninterest income | $544,000 | 3,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $544,000 | 2,105 |
| Total noninterest expense | $2,830,000 | 3,028 |
| Salaries and employee benefits | $1,560,000 | 3,034 |
| Premises and equipment expense | $426,000 | 2,840 |
| Additional noninterest expense | $844,000 | 2,983 |
| Pre-tax net operating income | $1,164,000 | 3,429 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $474,000 | 2,397 |
| Income before extraordinary items | $690,000 | 4,108 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $690,000 | 4,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,463 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $690,000 | 4,095 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,193,000 | 3,815 |
| Total interest expense | $375,000 | 5,856 |
| Net interest income | $1,818,000 | 3,027 |
| Provision for loan and lease losses | $27,000 | 4,199 |
| Total noninterest income | $276,000 | 3,254 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $276,000 | 2,050 |
| Total noninterest expense | $1,390,000 | 3,081 |
| Salaries and employee benefits | $751,000 | 3,148 |
| Premises and equipment expense | $210,000 | 2,897 |
| Additional noninterest expense | $429,000 | 2,931 |
| Pre-tax net operating income | $677,000 | 3,037 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $274,000 | 2,127 |
| Income before extraordinary items | $403,000 | 3,696 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $403,000 | 3,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,032 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $403,000 | 3,679 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,469,000 | 3,586 |
| Total interest expense | $1,384,000 | 5,452 |
| Net interest income | $7,085,000 | 3,015 |
| Provision for loan and lease losses | $166,000 | 3,950 |
| Total noninterest income | $1,514,000 | 2,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,514,000 | 1,646 |
| Total noninterest expense | $5,607,000 | 2,921 |
| Salaries and employee benefits | $3,126,000 | 2,873 |
| Premises and equipment expense | $726,000 | 3,147 |
| Additional noninterest expense | $1,755,000 | 2,820 |
| Pre-tax net operating income | $2,826,000 | 2,898 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,035,000 | 2,221 |
| Income before extraordinary items | $1,791,000 | 3,367 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,791,000 | 3,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,172 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,791,000 | 3,338 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,216,000 | 3,602 |
| Total interest expense | $999,000 | 5,432 |
| Net interest income | $5,217,000 | 3,042 |
| Provision for loan and lease losses | $91,000 | 4,295 |
| Total noninterest income | $932,000 | 3,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $932,000 | 1,910 |
| Total noninterest expense | $4,215,000 | 2,886 |
| Salaries and employee benefits | $2,302,000 | 2,879 |
| Premises and equipment expense | $561,000 | 3,048 |
| Additional noninterest expense | $1,352,000 | 2,725 |
| Pre-tax net operating income | $1,843,000 | 3,245 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $761,000 | 2,280 |
| Income before extraordinary items | $1,082,000 | 3,948 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,082,000 | 3,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,657 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,082,000 | 3,905 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,116,000 | 3,541 |
| Total interest expense | $648,000 | 5,366 |
| Net interest income | $3,468,000 | 3,023 |
| Provision for loan and lease losses | $85,000 | 3,670 |
| Total noninterest income | $575,000 | 3,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $575,000 | 1,985 |
| Total noninterest expense | $2,779,000 | 2,904 |
| Salaries and employee benefits | $1,551,000 | 2,842 |
| Premises and equipment expense | $388,000 | 2,931 |
| Additional noninterest expense | $840,000 | 2,889 |
| Pre-tax net operating income | $1,179,000 | 3,287 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $467,000 | 2,361 |
| Income before extraordinary items | $712,000 | 3,948 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $712,000 | 3,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,292 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $712,000 | 3,895 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,027,000 | 3,548 |
| Total interest expense | $315,000 | 5,338 |
| Net interest income | $1,712,000 | 3,045 |
| Provision for loan and lease losses | $70,000 | 2,663 |
| Total noninterest income | $271,000 | 3,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $271,000 | 2,023 |
| Total noninterest expense | $1,373,000 | 2,937 |
| Salaries and employee benefits | $753,000 | 2,918 |
| Premises and equipment expense | $196,000 | 2,929 |
| Additional noninterest expense | $424,000 | 2,869 |
| Pre-tax net operating income | $540,000 | 3,474 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $209,000 | 2,529 |
| Income before extraordinary items | $331,000 | 4,101 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $331,000 | 4,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 1,427 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $331,000 | 4,064 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,749,000 | 5,765 |
| Total interest expense | $678,000 | 6,667 |
| Net interest income | $3,071,000 | 5,342 |
| Provision for loan and lease losses | $349,000 | 2,642 |
| Total noninterest income | $914,000 | 3,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $914,000 | 2,281 |
| Total noninterest expense | $3,070,000 | 4,592 |
| Salaries and employee benefits | $1,872,000 | 4,206 |
| Premises and equipment expense | $426,000 | 4,568 |
| Additional noninterest expense | $772,000 | 5,215 |
| Pre-tax net operating income | $566,000 | 6,499 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $232,000 | 4,552 |
| Income before extraordinary items | $334,000 | 7,087 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $334,000 | 7,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,312 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $334,000 | 7,032 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,659,000 | 5,931 |
| Total interest expense | $516,000 | 6,627 |
| Net interest income | $2,143,000 | 5,556 |
| Provision for loan and lease losses | $289,000 | 2,341 |
| Total noninterest income | $694,000 | 3,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $694,000 | 2,282 |
| Total noninterest expense | $2,655,000 | 4,102 |
| Salaries and employee benefits | $1,762,000 | 3,496 |
| Premises and equipment expense | $325,000 | 4,517 |
| Additional noninterest expense | $568,000 | 5,228 |
| Pre-tax net operating income | $-107,000 | 8,604 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-35,000 | 8,793 |
| Income before extraordinary items | $-72,000 | 8,599 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-72,000 | 8,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 2,719 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-72,000 | 8,572 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 6,161 |
| Total interest expense | $331,000 | 6,755 |
| Net interest income | $1,318,000 | 5,831 |
| Provision for loan and lease losses | $165,000 | 2,550 |
| Total noninterest income | $378,000 | 4,233 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $378,000 | 2,601 |
| Total noninterest expense | $1,520,000 | 4,625 |
| Salaries and employee benefits | $920,000 | 4,241 |
| Premises and equipment expense | $224,000 | 4,428 |
| Additional noninterest expense | $376,000 | 5,275 |
| Pre-tax net operating income | $11,000 | 8,463 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $9,000 | 6,693 |
| Income before extraordinary items | $2,000 | 8,553 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,778 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,000 | 8,505 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $800,000 | 6,266 |
| Total interest expense | $166,000 | 6,810 |
| Net interest income | $634,000 | 5,958 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $167,000 | 4,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $167,000 | 2,748 |
| Total noninterest expense | $767,000 | 4,608 |
| Salaries and employee benefits | $460,000 | 4,274 |
| Premises and equipment expense | $109,000 | 4,538 |
| Additional noninterest expense | $198,000 | 5,107 |
| Pre-tax net operating income | $9,000 | 8,446 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $3,000 | 8,552 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,050 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,000 | 8,497 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,366,000 | 6,155 |
| Total interest expense | $641,000 | 7,261 |
| Net interest income | $2,725,000 | 5,611 |
| Provision for loan and lease losses | $231,000 | 3,752 |
| Total noninterest income | $709,000 | 4,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $709,000 | 2,948 |
| Total noninterest expense | $3,422,000 | 4,193 |
| Salaries and employee benefits | $1,702,000 | 4,439 |
| Premises and equipment expense | $368,000 | 5,014 |
| Additional noninterest expense | $1,352,000 | 3,377 |
| Pre-tax net operating income | $-219,000 | 8,703 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-78,000 | 8,922 |
| Income before extraordinary items | $-141,000 | 8,749 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-141,000 | 8,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,282 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-141,000 | 8,675 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,572,000 | 6,171 |
| Total interest expense | $477,000 | 7,425 |
| Net interest income | $2,095,000 | 5,572 |
| Provision for loan and lease losses | $122,000 | 4,329 |
| Total noninterest income | $474,000 | 4,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $474,000 | 3,223 |
| Total noninterest expense | $2,574,000 | 4,163 |
| Salaries and employee benefits | $1,214,000 | 4,579 |
| Premises and equipment expense | $243,000 | 5,418 |
| Additional noninterest expense | $1,117,000 | 3,086 |
| Pre-tax net operating income | $-127,000 | 8,774 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-44,000 | 9,008 |
| Income before extraordinary items | $-83,000 | 8,825 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-83,000 | 8,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,060 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-83,000 | 8,754 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,749,000 | 6,160 |
| Total interest expense | $319,000 | 7,523 |
| Net interest income | $1,430,000 | 5,484 |
| Provision for loan and lease losses | $66,000 | 4,590 |
| Total noninterest income | $291,000 | 5,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $291,000 | 3,352 |
| Total noninterest expense | $1,233,000 | 5,239 |
| Salaries and employee benefits | $735,000 | 4,905 |
| Premises and equipment expense | $166,000 | 5,313 |
| Additional noninterest expense | $332,000 | 5,640 |
| Pre-tax net operating income | $422,000 | 5,727 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $170,000 | 4,280 |
| Income before extraordinary items | $252,000 | 6,503 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $252,000 | 6,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,755 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $252,000 | 6,302 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $919,000 | 6,033 |
| Total interest expense | $162,000 | 7,591 |
| Net interest income | $757,000 | 5,290 |
| Provision for loan and lease losses | $28,000 | 4,838 |
| Total noninterest income | $144,000 | 4,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $144,000 | 3,288 |
| Total noninterest expense | $586,000 | 5,421 |
| Salaries and employee benefits | $326,000 | 5,345 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $161,000 | 5,702 |
| Pre-tax net operating income | $287,000 | 4,906 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $115,000 | 3,702 |
| Income before extraordinary items | $172,000 | 5,696 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $172,000 | 5,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $172,000 | 5,504 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,148,000 | 5,792 |
| Total interest expense | $1,206,000 | 6,407 |
| Net interest income | $2,942,000 | 5,347 |
| Provision for loan and lease losses | $38,000 | 6,985 |
| Total noninterest income | $594,000 | 4,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $594,000 | 2,982 |
| Total noninterest expense | $2,470,000 | 5,120 |
| Salaries and employee benefits | $1,451,000 | 4,817 |
| Premises and equipment expense | $302,000 | 5,555 |
| Additional noninterest expense | $717,000 | 5,331 |
| Pre-tax net operating income | $1,028,000 | 5,141 |
| Securities gains (losses) | $53,000 | 2,352 |
| Applicable income taxes | $484,000 | 3,512 |
| Income before extraordinary items | $597,000 | 5,976 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $597,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 3,573 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $563,080 | 5,974 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,369,000 | 5,364 |
| Total interest expense | $2,021,000 | 6,063 |
| Net interest income | $3,348,000 | 4,693 |
| Provision for loan and lease losses | $183,000 | 4,322 |
| Total noninterest income | $672,000 | 4,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $672,000 | 2,631 |
| Total noninterest expense | $3,483,000 | 3,840 |
| Salaries and employee benefits | $2,053,000 | 3,525 |
| Premises and equipment expense | $553,000 | 3,592 |
| Additional noninterest expense | $877,000 | 4,481 |
| Pre-tax net operating income | $354,000 | 7,173 |
| Securities gains (losses) | $255,000 | 1,006 |
| Applicable income taxes | $237,000 | 4,695 |
| Income before extraordinary items | $372,000 | 6,724 |
| Extraordinary gains, net | $42,000 | 82 |
| Net income | $414,000 | 6,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,551 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $208,800 | 7,548 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,366,000 | 4,891 |
| Total interest expense | $2,362,000 | 5,753 |
| Net interest income | $4,004,000 | 4,179 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $788,000 | 3,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $788,000 | 2,170 |
| Total noninterest expense | $4,280,000 | 3,143 |
| Salaries and employee benefits | $2,864,000 | 2,492 |
| Premises and equipment expense | $385,000 | 4,627 |
| Additional noninterest expense | $1,031,000 | 3,896 |
| Pre-tax net operating income | $272,000 | 8,019 |
| Securities gains (losses) | $568,000 | 242 |
| Applicable income taxes | $429,000 | 3,842 |
| Income before extraordinary items | $411,000 | 6,788 |
| Extraordinary gains, net | $-125,000 | 9,891 |
| Net income | $286,000 | 7,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,456 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $47,480 | 8,953 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,827,000 | 5,687 |
| Total interest expense | $2,240,000 | 5,579 |
| Net interest income | $2,587,000 | 5,683 |
| Provision for loan and lease losses | $-1,005,000 | 10,201 |
| Total noninterest income | $521,000 | 4,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $521,000 | 2,879 |
| Total noninterest expense | $2,385,000 | 5,047 |
| Salaries and employee benefits | $1,064,000 | 5,650 |
| Premises and equipment expense | $368,000 | 4,800 |
| Additional noninterest expense | $953,000 | 4,169 |
| Pre-tax net operating income | $1,728,000 | 3,727 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $678,000 | 2,968 |
| Income before extraordinary items | $1,050,000 | 4,272 |
| Extraordinary gains, net | $103,000 | 17 |
| Net income | $1,153,000 | 3,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,601 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,050,000 | 4,234 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 6,409 |
| Total interest expense | $1,528,000 | 7,126 |
| Net interest income | $2,564,000 | 5,742 |
| Provision for loan and lease losses | $331,000 | 2,399 |
| Total noninterest income | $281,000 | 6,653 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $281,000 | 4,161 |
| Total noninterest expense | $2,309,000 | 5,048 |
| Salaries and employee benefits | $1,372,000 | 4,555 |
| Premises and equipment expense | $400,000 | 4,413 |
| Additional noninterest expense | $537,000 | 6,184 |
| Pre-tax net operating income | $205,000 | 8,881 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $71,000 | 7,976 |
| Income before extraordinary items | $134,000 | 9,093 |
| Extraordinary gains, net | $-12,000 | 10,404 |
| Net income | $122,000 | 9,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,914 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $134,000 | 9,022 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,479,000 | 6,249 |
| Total interest expense | $1,634,000 | 7,041 |
| Net interest income | $2,845,000 | 5,522 |
| Provision for loan and lease losses | $73,000 | 5,838 |
| Total noninterest income | $369,000 | 5,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 8,090 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $307,000 | 3,872 |
| Total noninterest expense | $2,787,000 | 4,351 |
| Salaries and employee benefits | $1,448,000 | 4,373 |
| Premises and equipment expense | $490,000 | 3,772 |
| Additional noninterest expense | $849,000 | 4,520 |
| Pre-tax net operating income | $354,000 | 8,711 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $146,000 | 7,669 |
| Income before extraordinary items | $208,000 | 9,085 |
| Extraordinary gains, net | $38,000 | 18 |
| Net income | $246,000 | 8,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,283 |
| Cash dividends | $850,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $208,000 | 9,047 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,016,000 | 5,916 |
| Total interest expense | $1,755,000 | 6,948 |
| Net interest income | $3,261,000 | 5,116 |
| Provision for loan and lease losses | $449,000 | 1,904 |
| Total noninterest income | $477,000 | 5,325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $256,000 | 4,744 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 4,904 |
| Total noninterest expense | $2,694,000 | 4,721 |
| Salaries and employee benefits | $1,358,000 | 4,697 |
| Premises and equipment expense | $313,000 | 5,411 |
| Additional noninterest expense | $1,023,000 | 4,327 |
| Pre-tax net operating income | $595,000 | 7,446 |
| Securities gains (losses) | $35,000 | 1,578 |
| Applicable income taxes | $229,000 | 6,724 |
| Income before extraordinary items | $401,000 | 7,613 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $401,000 | 7,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 1,545 |
| Cash dividends | $800,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $378,600 | 7,745 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,889,000 | 5,276 |
| Total interest expense | $2,098,000 | 6,268 |
| Net interest income | $3,791,000 | 4,522 |
| Provision for loan and lease losses | $994,000 | 957 |
| Total noninterest income | $450,000 | 5,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,634 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,493 |
| Total noninterest expense | $2,410,000 | 5,163 |
| Salaries and employee benefits | $1,272,000 | 4,953 |
| Premises and equipment expense | $254,000 | 6,277 |
| Additional noninterest expense | $884,000 | 4,835 |
| Pre-tax net operating income | $837,000 | 6,695 |
| Securities gains (losses) | $22,000 | 1,840 |
| Applicable income taxes | $299,000 | 6,006 |
| Income before extraordinary items | $560,000 | 6,843 |
| Extraordinary gains, net | $20,000 | 46 |
| Net income | $580,000 | 6,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,011 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $545,700 | 6,904 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,893,000 | 4,945 |
| Total interest expense | $2,167,000 | 5,237 |
| Net interest income | $3,726,000 | 4,671 |
| Provision for loan and lease losses | $104,000 | 4,473 |
| Total noninterest income | $626,000 | 4,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $256,000 | 4,953 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $370,000 | 3,575 |
| Total noninterest expense | $2,757,000 | 4,750 |
| Salaries and employee benefits | $1,448,000 | 4,410 |
| Premises and equipment expense | $263,000 | 6,301 |
| Additional noninterest expense | $1,046,000 | 4,538 |
| Pre-tax net operating income | $1,491,000 | 4,429 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $515,000 | 3,969 |
| Income before extraordinary items | $976,000 | 4,618 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $976,000 | 4,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,338 |
| Cash dividends | $3,670,000 | 699 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $976,000 | 4,656 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,742,000 | 5,156 |
| Total interest expense | $2,068,000 | 5,682 |
| Net interest income | $3,674,000 | 4,751 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $530,000 | 5,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,825 |
| Total noninterest expense | $2,398,000 | 5,451 |
| Salaries and employee benefits | $1,243,000 | 5,080 |
| Premises and equipment expense | $343,000 | 5,314 |
| Additional noninterest expense | $812,000 | 5,859 |
| Pre-tax net operating income | $1,806,000 | 3,663 |
| Securities gains (losses) | $-36,000 | 13,040 |
| Applicable income taxes | $603,000 | 3,590 |
| Income before extraordinary items | $1,167,000 | 4,120 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,167,000 | 4,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,917 |
| Cash dividends | $1,405,000 | 1,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,190,760 | 3,844 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,690,000 | 5,015 |
| Total interest expense | $2,831,000 | 5,424 |
| Net interest income | $3,859,000 | 4,600 |
| Provision for loan and lease losses | $-49,000 | 13,610 |
| Total noninterest income | $566,000 | 5,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 4,165 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $240,000 | 5,106 |
| Total noninterest expense | $2,780,000 | 4,853 |
| Salaries and employee benefits | $1,549,000 | 4,099 |
| Premises and equipment expense | $290,000 | 6,114 |
| Additional noninterest expense | $941,000 | 5,319 |
| Pre-tax net operating income | $1,694,000 | 3,633 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $491,000 | 4,063 |
| Income before extraordinary items | $1,211,000 | 3,768 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,211,000 | 3,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-225,000 | 13,864 |
| Cash dividends | $886,000 | 1,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,205,320 | 3,511 |
* 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.