Home > Ames Community Bank > Income and Expense
Ames Community Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,786,000 | 3,334 |
| Total interest expense | $5,625,000 | 2,660 |
| Net interest income | $5,161,000 | 3,860 |
| Provision for loan and lease losses | $615,000 | 3,455 |
| Total noninterest income | $1,015,000 | 3,375 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $232,000 | 4,515 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $783,000 | 2,477 |
| Total noninterest expense | $5,040,000 | 3,544 |
| Salaries and employee benefits | $2,892,000 | 3,352 |
| Premises and equipment expense | $841,000 | 3,053 |
| Additional noninterest expense | $1,307,000 | 4,006 |
| Pre-tax net operating income | $521,000 | 4,808 |
| Securities gains (losses) | $50,000 | 1,600 |
| Applicable income taxes | $28,000 | 4,142 |
| Income before extraordinary items | $543,000 | 4,320 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $543,000 | 4,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,585,000 | 1,501 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,270 |
| Net operating income | $495,500 | 4,628 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,333,000 | 3,301 |
| Total interest expense | $4,415,000 | 2,650 |
| Net interest income | $3,918,000 | 3,847 |
| Provision for loan and lease losses | $415,000 | 3,017 |
| Total noninterest income | $804,000 | 3,329 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $180,000 | 4,472 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $624,000 | 2,475 |
| Total noninterest expense | $3,786,000 | 3,520 |
| Salaries and employee benefits | $2,170,000 | 3,400 |
| Premises and equipment expense | $647,000 | 3,005 |
| Additional noninterest expense | $969,000 | 3,959 |
| Pre-tax net operating income | $521,000 | 4,883 |
| Securities gains (losses) | $50,000 | 1,422 |
| Applicable income taxes | $27,000 | 4,452 |
| Income before extraordinary items | $544,000 | 4,281 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $544,000 | 4,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,443,000 | 1,046 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,179 |
| Net operating income | $496,500 | 4,613 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,671,000 | 3,298 |
| Total interest expense | $3,116,000 | 2,620 |
| Net interest income | $2,555,000 | 3,917 |
| Provision for loan and lease losses | $195,000 | 3,200 |
| Total noninterest income | $581,000 | 3,193 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $127,000 | 4,362 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $454,000 | 2,396 |
| Total noninterest expense | $2,466,000 | 3,602 |
| Salaries and employee benefits | $1,413,000 | 3,496 |
| Premises and equipment expense | $428,000 | 3,032 |
| Additional noninterest expense | $625,000 | 4,050 |
| Pre-tax net operating income | $475,000 | 4,453 |
| Securities gains (losses) | $50,000 | 1,445 |
| Applicable income taxes | $26,000 | 4,517 |
| Income before extraordinary items | $499,000 | 4,021 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $499,000 | 4,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,394,000 | 703 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,094 |
| Net operating income | $451,500 | 4,168 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,893,000 | 3,327 |
| Total interest expense | $1,671,000 | 2,616 |
| Net interest income | $1,222,000 | 4,057 |
| Provision for loan and lease losses | $45,000 | 3,899 |
| Total noninterest income | $258,000 | 3,445 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $67,000 | 4,239 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $191,000 | 2,646 |
| Total noninterest expense | $1,244,000 | 3,592 |
| Salaries and employee benefits | $721,000 | 3,471 |
| Premises and equipment expense | $227,000 | 2,895 |
| Additional noninterest expense | $296,000 | 4,161 |
| Pre-tax net operating income | $191,000 | 5,036 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $10,000 | 4,802 |
| Income before extraordinary items | $181,000 | 4,868 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $181,000 | 4,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,255,000 | 397 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 964 |
| Net operating income | $181,000 | 4,751 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,361,000 | 3,205 |
| Total interest expense | $7,339,000 | 2,502 |
| Net interest income | $5,022,000 | 3,991 |
| Provision for loan and lease losses | $1,121,000 | 1,310 |
| Total noninterest income | $1,020,000 | 3,499 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $294,000 | 4,116 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $726,000 | 2,702 |
| Total noninterest expense | $4,234,000 | 3,942 |
| Salaries and employee benefits | $2,426,000 | 3,813 |
| Premises and equipment expense | $825,000 | 2,998 |
| Additional noninterest expense | $983,000 | 4,716 |
| Pre-tax net operating income | $687,000 | 5,480 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $34,000 | 5,149 |
| Income before extraordinary items | $653,000 | 5,196 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $653,000 | 5,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,587 |
| Cash dividends | $1,000,000 | 2,600 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,245 |
| Net operating income | $653,000 | 5,177 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,275,000 | 3,205 |
| Total interest expense | $5,520,000 | 2,502 |
| Net interest income | $3,755,000 | 4,007 |
| Provision for loan and lease losses | $148,000 | 3,517 |
| Total noninterest income | $703,000 | 3,677 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $219,000 | 4,140 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $484,000 | 2,904 |
| Total noninterest expense | $3,211,000 | 3,899 |
| Salaries and employee benefits | $1,866,000 | 3,731 |
| Premises and equipment expense | $631,000 | 2,948 |
| Additional noninterest expense | $714,000 | 4,741 |
| Pre-tax net operating income | $1,099,000 | 4,147 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $56,000 | 4,869 |
| Income before extraordinary items | $1,043,000 | 3,793 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,043,000 | 3,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $900,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,103 |
| Net operating income | $1,043,000 | 3,778 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,180,000 | 3,213 |
| Total interest expense | $3,669,000 | 2,519 |
| Net interest income | $2,511,000 | 4,015 |
| Provision for loan and lease losses | $118,000 | 3,075 |
| Total noninterest income | $455,000 | 3,748 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $149,000 | 4,099 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $306,000 | 2,981 |
| Total noninterest expense | $2,135,000 | 3,929 |
| Salaries and employee benefits | $1,260,000 | 3,723 |
| Premises and equipment expense | $417,000 | 2,996 |
| Additional noninterest expense | $458,000 | 4,856 |
| Pre-tax net operating income | $713,000 | 4,274 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $36,000 | 4,999 |
| Income before extraordinary items | $677,000 | 3,900 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $677,000 | 3,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $600,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,011 |
| Net operating income | $677,000 | 3,888 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,088,000 | 3,208 |
| Total interest expense | $1,858,000 | 2,467 |
| Net interest income | $1,230,000 | 4,075 |
| Provision for loan and lease losses | $25,000 | 4,116 |
| Total noninterest income | $216,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $74,000 | 4,056 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $142,000 | 3,115 |
| Total noninterest expense | $1,067,000 | 3,935 |
| Salaries and employee benefits | $629,000 | 3,755 |
| Premises and equipment expense | $212,000 | 2,968 |
| Additional noninterest expense | $226,000 | 4,851 |
| Pre-tax net operating income | $354,000 | 4,282 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $18,000 | 4,999 |
| Income before extraordinary items | $336,000 | 3,922 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $336,000 | 3,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $300,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 852 |
| Net operating income | $336,000 | 3,899 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,258,000 | 3,257 |
| Total interest expense | $6,398,000 | 2,454 |
| Net interest income | $4,860,000 | 4,090 |
| Provision for loan and lease losses | $197,000 | 3,575 |
| Total noninterest income | $772,000 | 4,151 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $260,000 | 4,406 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $512,000 | 3,299 |
| Total noninterest expense | $3,917,000 | 4,055 |
| Salaries and employee benefits | $2,363,000 | 3,768 |
| Premises and equipment expense | $850,000 | 2,850 |
| Additional noninterest expense | $704,000 | 5,626 |
| Pre-tax net operating income | $1,518,000 | 4,257 |
| Securities gains (losses) | $-112,000 | 8,245 |
| Applicable income taxes | $70,000 | 5,227 |
| Income before extraordinary items | $1,336,000 | 4,027 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,336,000 | 4,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,537 |
| Cash dividends | $800,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,182 |
| Net operating income | $1,442,400 | 3,841 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,169,000 | 3,323 |
| Total interest expense | $4,589,000 | 2,482 |
| Net interest income | $3,580,000 | 4,174 |
| Provision for loan and lease losses | $95,000 | 4,177 |
| Total noninterest income | $518,000 | 4,386 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $179,000 | 4,652 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $339,000 | 3,505 |
| Total noninterest expense | $2,942,000 | 4,031 |
| Salaries and employee benefits | $1,772,000 | 3,767 |
| Premises and equipment expense | $650,000 | 2,814 |
| Additional noninterest expense | $520,000 | 5,651 |
| Pre-tax net operating income | $1,061,000 | 4,599 |
| Securities gains (losses) | $-115,000 | 8,441 |
| Applicable income taxes | $47,000 | 5,474 |
| Income before extraordinary items | $899,000 | 4,426 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $899,000 | 4,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,782 |
| Cash dividends | $600,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 994 |
| Net operating income | $1,008,250 | 4,138 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,173,000 | 3,416 |
| Total interest expense | $2,841,000 | 2,554 |
| Net interest income | $2,332,000 | 4,261 |
| Provision for loan and lease losses | $55,000 | 4,340 |
| Total noninterest income | $369,000 | 4,222 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $112,000 | 4,755 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $257,000 | 3,276 |
| Total noninterest expense | $1,946,000 | 4,071 |
| Salaries and employee benefits | $1,160,000 | 3,836 |
| Premises and equipment expense | $440,000 | 2,774 |
| Additional noninterest expense | $346,000 | 5,652 |
| Pre-tax net operating income | $700,000 | 4,636 |
| Securities gains (losses) | $-115,000 | 8,563 |
| Applicable income taxes | $29,000 | 5,593 |
| Income before extraordinary items | $556,000 | 4,618 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $556,000 | 4,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,025 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 834 |
| Net operating income | $665,250 | 4,182 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,471,000 | 3,477 |
| Total interest expense | $1,344,000 | 2,564 |
| Net interest income | $1,127,000 | 4,350 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $196,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $49,000 | 5,002 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $147,000 | 3,003 |
| Total noninterest expense | $987,000 | 4,053 |
| Salaries and employee benefits | $601,000 | 3,762 |
| Premises and equipment expense | $223,000 | 2,750 |
| Additional noninterest expense | $163,000 | 5,808 |
| Pre-tax net operating income | $336,000 | 4,683 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $17,000 | 5,467 |
| Income before extraordinary items | $319,000 | 4,264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $319,000 | 4,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $200,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $319,000 | 4,247 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,632,000 | 3,528 |
| Total interest expense | $4,208,000 | 2,544 |
| Net interest income | $4,424,000 | 4,312 |
| Provision for loan and lease losses | $254,000 | 3,126 |
| Total noninterest income | $629,000 | 4,677 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $148,000 | 5,645 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $481,000 | 3,439 |
| Total noninterest expense | $3,573,000 | 4,227 |
| Salaries and employee benefits | $2,172,000 | 3,886 |
| Premises and equipment expense | $713,000 | 3,178 |
| Additional noninterest expense | $688,000 | 5,633 |
| Pre-tax net operating income | $1,226,000 | 4,859 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $52,000 | 5,843 |
| Income before extraordinary items | $1,174,000 | 4,403 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,174,000 | 4,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $300,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,174,000 | 4,366 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,264,000 | 3,577 |
| Total interest expense | $2,976,000 | 2,551 |
| Net interest income | $3,288,000 | 4,349 |
| Provision for loan and lease losses | $254,000 | 2,520 |
| Total noninterest income | $417,000 | 5,013 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $109,000 | 5,703 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $308,000 | 3,749 |
| Total noninterest expense | $2,622,000 | 4,258 |
| Salaries and employee benefits | $1,610,000 | 3,893 |
| Premises and equipment expense | $510,000 | 3,308 |
| Additional noninterest expense | $502,000 | 5,685 |
| Pre-tax net operating income | $829,000 | 5,250 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $32,000 | 6,039 |
| Income before extraordinary items | $797,000 | 4,766 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $797,000 | 4,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $797,000 | 4,735 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,003,000 | 3,633 |
| Total interest expense | $1,826,000 | 2,601 |
| Net interest income | $2,177,000 | 4,344 |
| Provision for loan and lease losses | $167,000 | 2,467 |
| Total noninterest income | $245,000 | 5,263 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $67,000 | 5,808 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $178,000 | 3,959 |
| Total noninterest expense | $1,707,000 | 4,325 |
| Salaries and employee benefits | $1,058,000 | 3,913 |
| Premises and equipment expense | $338,000 | 3,287 |
| Additional noninterest expense | $311,000 | 5,901 |
| Pre-tax net operating income | $548,000 | 5,240 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $18,000 | 6,142 |
| Income before extraordinary items | $530,000 | 4,745 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $530,000 | 4,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $530,000 | 4,692 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,919,000 | 3,719 |
| Total interest expense | $832,000 | 2,693 |
| Net interest income | $1,087,000 | 4,364 |
| Provision for loan and lease losses | $20,000 | 4,626 |
| Total noninterest income | $118,000 | 5,312 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $87,000 | 4,019 |
| Total noninterest expense | $839,000 | 4,402 |
| Salaries and employee benefits | $519,000 | 3,984 |
| Premises and equipment expense | $170,000 | 3,306 |
| Additional noninterest expense | $150,000 | 6,007 |
| Pre-tax net operating income | $346,000 | 4,624 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $10,000 | 6,081 |
| Income before extraordinary items | $336,000 | 4,065 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $336,000 | 4,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $336,000 | 4,024 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,866,000 | 3,865 |
| Total interest expense | $2,753,000 | 2,804 |
| Net interest income | $4,113,000 | 4,389 |
| Provision for loan and lease losses | $625,000 | 1,589 |
| Total noninterest income | $588,000 | 4,855 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $110,000 | 6,327 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $478,000 | 3,394 |
| Total noninterest expense | $3,035,000 | 4,617 |
| Salaries and employee benefits | $1,909,000 | 4,149 |
| Premises and equipment expense | $517,000 | 3,982 |
| Additional noninterest expense | $609,000 | 5,924 |
| Pre-tax net operating income | $1,041,000 | 5,144 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $52,000 | 6,020 |
| Income before extraordinary items | $988,000 | 4,735 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $988,000 | 4,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,326 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $988,950 | 4,658 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,953,000 | 3,959 |
| Total interest expense | $1,970,000 | 2,882 |
| Net interest income | $2,983,000 | 4,495 |
| Provision for loan and lease losses | $545,000 | 1,349 |
| Total noninterest income | $406,000 | 5,096 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $79,000 | 6,439 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $327,000 | 3,578 |
| Total noninterest expense | $2,178,000 | 4,717 |
| Salaries and employee benefits | $1,395,000 | 4,188 |
| Premises and equipment expense | $344,000 | 4,338 |
| Additional noninterest expense | $439,000 | 6,012 |
| Pre-tax net operating income | $666,000 | 5,627 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $33,000 | 6,230 |
| Income before extraordinary items | $632,000 | 5,226 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $632,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,219 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $632,950 | 5,137 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,147,000 | 4,104 |
| Total interest expense | $1,272,000 | 2,950 |
| Net interest income | $1,875,000 | 4,688 |
| Provision for loan and lease losses | $400,000 | 1,225 |
| Total noninterest income | $287,000 | 4,927 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $52,000 | 6,467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $235,000 | 3,432 |
| Total noninterest expense | $1,396,000 | 4,889 |
| Salaries and employee benefits | $923,000 | 4,233 |
| Premises and equipment expense | $195,000 | 4,840 |
| Additional noninterest expense | $278,000 | 6,208 |
| Pre-tax net operating income | $366,000 | 6,078 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $18,000 | 6,344 |
| Income before extraordinary items | $348,000 | 5,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $348,000 | 5,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,234 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $348,000 | 5,608 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,513,000 | 4,235 |
| Total interest expense | $619,000 | 3,043 |
| Net interest income | $894,000 | 4,847 |
| Provision for loan and lease losses | $250,000 | 948 |
| Total noninterest income | $152,000 | 4,739 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $23,000 | 6,604 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $129,000 | 3,206 |
| Total noninterest expense | $676,000 | 5,026 |
| Salaries and employee benefits | $458,000 | 4,292 |
| Premises and equipment expense | $90,000 | 5,166 |
| Additional noninterest expense | $128,000 | 6,476 |
| Pre-tax net operating income | $120,000 | 6,855 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $120,000 | 6,518 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $120,000 | 6,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,331 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $120,000 | 6,399 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,172,000 | 4,777 |
| Total interest expense | $2,525,000 | 3,311 |
| Net interest income | $2,647,000 | 5,711 |
| Provision for loan and lease losses | $535,000 | 2,046 |
| Total noninterest income | $322,000 | 6,443 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $87,000 | 6,773 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $235,000 | 4,963 |
| Total noninterest expense | $2,094,000 | 5,844 |
| Salaries and employee benefits | $1,262,000 | 5,460 |
| Premises and equipment expense | $385,000 | 4,860 |
| Additional noninterest expense | $447,000 | 6,868 |
| Pre-tax net operating income | $340,000 | 7,276 |
| Securities gains (losses) | $124,000 | 1,699 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $464,000 | 6,496 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $464,000 | 6,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,592 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $340,000 | 6,937 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,716,000 | 4,986 |
| Total interest expense | $1,891,000 | 3,428 |
| Net interest income | $1,825,000 | 6,018 |
| Provision for loan and lease losses | $355,000 | 2,237 |
| Total noninterest income | $211,000 | 6,757 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $64,000 | 6,860 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $147,000 | 5,381 |
| Total noninterest expense | $1,467,000 | 6,032 |
| Salaries and employee benefits | $890,000 | 5,632 |
| Premises and equipment expense | $301,000 | 4,705 |
| Additional noninterest expense | $276,000 | 7,347 |
| Pre-tax net operating income | $214,000 | 7,647 |
| Securities gains (losses) | $124,000 | 1,559 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $338,000 | 6,731 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $338,000 | 6,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,593 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $214,000 | 7,339 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,388,000 | 5,148 |
| Total interest expense | $1,255,000 | 3,533 |
| Net interest income | $1,133,000 | 6,262 |
| Provision for loan and lease losses | $195,000 | 2,557 |
| Total noninterest income | $140,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $47,000 | 6,687 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $93,000 | 5,446 |
| Total noninterest expense | $957,000 | 6,130 |
| Salaries and employee benefits | $567,000 | 5,800 |
| Premises and equipment expense | $190,000 | 4,871 |
| Additional noninterest expense | $200,000 | 7,140 |
| Pre-tax net operating income | $121,000 | 7,836 |
| Securities gains (losses) | $124,000 | 1,346 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $245,000 | 6,562 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $245,000 | 6,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $121,000 | 7,562 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,153,000 | 5,284 |
| Total interest expense | $618,000 | 3,656 |
| Net interest income | $535,000 | 6,440 |
| Provision for loan and lease losses | $98,000 | 2,426 |
| Total noninterest income | $48,000 | 7,431 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $22,000 | 6,745 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $462,000 | 6,254 |
| Salaries and employee benefits | $267,000 | 6,021 |
| Premises and equipment expense | $115,000 | 4,305 |
| Additional noninterest expense | $80,000 | 7,665 |
| Pre-tax net operating income | $23,000 | 8,412 |
| Securities gains (losses) | $124,000 | 880 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $147,000 | 6,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $147,000 | 6,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $23,000 | 8,302 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,653,000 | 6,196 |
| Total interest expense | $2,072,000 | 4,675 |
| Net interest income | $1,581,000 | 7,301 |
| Provision for loan and lease losses | $410,000 | 2,777 |
| Total noninterest income | $106,000 | 8,329 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $50,000 | 7,525 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $56,000 | 7,449 |
| Total noninterest expense | $1,381,000 | 7,094 |
| Salaries and employee benefits | $868,000 | 6,623 |
| Premises and equipment expense | $238,000 | 6,293 |
| Additional noninterest expense | $275,000 | 7,983 |
| Pre-tax net operating income | $-104,000 | 8,766 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-104,000 | 8,841 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-104,000 | 8,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-104,000 | 8,780 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,380,000 | 8,845 |
| Total interest expense | $792,000 | 8,444 |
| Net interest income | $588,000 | 9,061 |
| Provision for loan and lease losses | $275,000 | 3,402 |
| Total noninterest income | $61,000 | 9,039 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $12,000 | 8,234 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $49,000 | 7,713 |
| Total noninterest expense | $996,000 | 7,974 |
| Salaries and employee benefits | $562,000 | 7,844 |
| Premises and equipment expense | $184,000 | 7,014 |
| Additional noninterest expense | $250,000 | 8,223 |
| Pre-tax net operating income | $-622,000 | 9,217 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-622,000 | 9,287 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-622,000 | 9,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 183 |
| Net operating income | $-622,000 | 9,253 |
* 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.