Home > Bank of Clark County > Income and Expense
Bank of Clark County, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $27,821,000 | 1,396 |
| Total interest expense | $13,120,000 | 1,238 |
| Net interest income | $14,701,000 | 1,523 |
| Provision for loan and lease losses | $30,268,000 | 266 |
| Total noninterest income | $781,000 | 3,924 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $235,000 | 4,488 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $546,000 | 3,037 |
| Total noninterest expense | $12,635,000 | 1,550 |
| Salaries and employee benefits | $6,675,000 | 1,548 |
| Premises and equipment expense | $1,103,000 | 2,412 |
| Additional noninterest expense | $4,857,000 | 1,297 |
| Pre-tax net operating income | $-27,421,000 | 8,139 |
| Securities gains (losses) | $4,000 | 2,823 |
| Applicable income taxes | $-3,391,000 | 8,035 |
| Income before extraordinary items | $-24,026,000 | 8,121 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-24,026,000 | 8,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,709,000 | 207 |
| Cash dividends | $924,000 | 2,440 |
| Sale, conversion, retirement of capital stock, net | $415,000 | 589 |
| Net operating income | $-24,029,520 | 8,140 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,361,000 | 1,321 |
| Total interest expense | $9,973,000 | 1,272 |
| Net interest income | $12,388,000 | 1,364 |
| Provision for loan and lease losses | $2,636,000 | 984 |
| Total noninterest income | $503,000 | 4,320 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $167,000 | 4,621 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $336,000 | 3,483 |
| Total noninterest expense | $8,501,000 | 1,707 |
| Salaries and employee benefits | $4,857,000 | 1,615 |
| Premises and equipment expense | $816,000 | 2,448 |
| Additional noninterest expense | $2,828,000 | 1,586 |
| Pre-tax net operating income | $1,754,000 | 2,527 |
| Securities gains (losses) | $4,000 | 2,700 |
| Applicable income taxes | $702,000 | 1,531 |
| Income before extraordinary items | $1,056,000 | 2,994 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,056,000 | 2,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,748,000 | 916 |
| Cash dividends | $693,000 | 2,302 |
| Sale, conversion, retirement of capital stock, net | $390,000 | 442 |
| Net operating income | $1,053,440 | 3,152 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,959,000 | 1,338 |
| Total interest expense | $6,659,000 | 1,319 |
| Net interest income | $8,300,000 | 1,348 |
| Provision for loan and lease losses | $1,557,000 | 926 |
| Total noninterest income | $332,000 | 4,405 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $105,000 | 4,751 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $227,000 | 3,516 |
| Total noninterest expense | $5,414,000 | 1,779 |
| Salaries and employee benefits | $3,072,000 | 1,702 |
| Premises and equipment expense | $542,000 | 2,462 |
| Additional noninterest expense | $1,800,000 | 1,642 |
| Pre-tax net operating income | $1,661,000 | 2,007 |
| Securities gains (losses) | $4,000 | 2,798 |
| Applicable income taxes | $609,000 | 1,377 |
| Income before extraordinary items | $1,056,000 | 2,461 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,056,000 | 2,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $701,000 | 1,065 |
| Cash dividends | $505,000 | 2,236 |
| Sale, conversion, retirement of capital stock, net | $311,000 | 333 |
| Net operating income | $1,053,440 | 2,422 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,625,000 | 1,345 |
| Total interest expense | $3,384,000 | 1,393 |
| Net interest income | $4,241,000 | 1,307 |
| Provision for loan and lease losses | $1,390,000 | 510 |
| Total noninterest income | $183,000 | 4,179 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $55,000 | 4,609 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $128,000 | 3,321 |
| Total noninterest expense | $2,507,000 | 1,907 |
| Salaries and employee benefits | $1,366,000 | 1,926 |
| Premises and equipment expense | $261,000 | 2,574 |
| Additional noninterest expense | $880,000 | 1,629 |
| Pre-tax net operating income | $527,000 | 2,967 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $197,000 | 1,989 |
| Income before extraordinary items | $330,000 | 3,598 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $330,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $231,000 | 2,168 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 320 |
| Net operating income | $330,000 | 3,502 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $31,310,000 | 1,366 |
| Total interest expense | $13,095,000 | 1,535 |
| Net interest income | $18,215,000 | 1,220 |
| Provision for loan and lease losses | $1,775,000 | 928 |
| Total noninterest income | $1,314,000 | 2,958 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $174,000 | 5,166 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,140,000 | 2,039 |
| Total noninterest expense | $10,166,000 | 1,813 |
| Salaries and employee benefits | $6,117,000 | 1,637 |
| Premises and equipment expense | $824,000 | 3,007 |
| Additional noninterest expense | $3,225,000 | 1,721 |
| Pre-tax net operating income | $7,588,000 | 1,112 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,770,000 | 870 |
| Income before extraordinary items | $4,818,000 | 1,328 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,818,000 | 1,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,213,000 | 877 |
| Cash dividends | $798,000 | 2,987 |
| Sale, conversion, retirement of capital stock, net | $494,000 | 541 |
| Net operating income | $4,818,000 | 1,317 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $23,127,000 | 1,396 |
| Total interest expense | $9,575,000 | 1,574 |
| Net interest income | $13,552,000 | 1,239 |
| Provision for loan and lease losses | $649,000 | 1,272 |
| Total noninterest income | $1,176,000 | 2,626 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $122,000 | 5,309 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,054,000 | 1,767 |
| Total noninterest expense | $7,656,000 | 1,792 |
| Salaries and employee benefits | $4,600,000 | 1,639 |
| Premises and equipment expense | $606,000 | 3,047 |
| Additional noninterest expense | $2,450,000 | 1,666 |
| Pre-tax net operating income | $6,423,000 | 1,079 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,363,000 | 835 |
| Income before extraordinary items | $4,060,000 | 1,273 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,060,000 | 1,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $593,000 | 949 |
| Cash dividends | $599,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 702 |
| Net operating income | $4,060,000 | 1,262 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,842,000 | 1,465 |
| Total interest expense | $6,054,000 | 1,662 |
| Net interest income | $8,788,000 | 1,300 |
| Provision for loan and lease losses | $550,000 | 943 |
| Total noninterest income | $613,000 | 3,105 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $81,000 | 5,338 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $532,000 | 2,164 |
| Total noninterest expense | $4,803,000 | 1,916 |
| Salaries and employee benefits | $2,797,000 | 1,842 |
| Premises and equipment expense | $406,000 | 3,063 |
| Additional noninterest expense | $1,600,000 | 1,699 |
| Pre-tax net operating income | $4,048,000 | 1,167 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,434,000 | 957 |
| Income before extraordinary items | $2,614,000 | 1,359 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,614,000 | 1,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $649,000 | 602 |
| Cash dividends | $399,000 | 2,794 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 822 |
| Net operating income | $2,614,000 | 1,340 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,140,000 | 1,518 |
| Total interest expense | $2,879,000 | 1,729 |
| Net interest income | $4,261,000 | 1,341 |
| Provision for loan and lease losses | $39,000 | 3,484 |
| Total noninterest income | $324,000 | 2,965 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $37,000 | 5,442 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $287,000 | 2,018 |
| Total noninterest expense | $2,426,000 | 1,908 |
| Salaries and employee benefits | $1,445,000 | 1,789 |
| Premises and equipment expense | $199,000 | 3,126 |
| Additional noninterest expense | $782,000 | 1,717 |
| Pre-tax net operating income | $2,120,000 | 1,097 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $727,000 | 946 |
| Income before extraordinary items | $1,393,000 | 1,260 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,393,000 | 1,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 1,364 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 694 |
| Net operating income | $1,393,000 | 1,240 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $24,859,000 | 1,621 |
| Total interest expense | $8,997,000 | 1,852 |
| Net interest income | $15,862,000 | 1,431 |
| Provision for loan and lease losses | $691,000 | 1,432 |
| Total noninterest income | $616,000 | 4,665 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $168,000 | 5,323 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $448,000 | 3,541 |
| Total noninterest expense | $8,097,000 | 2,182 |
| Salaries and employee benefits | $5,054,000 | 1,924 |
| Premises and equipment expense | $634,000 | 3,614 |
| Additional noninterest expense | $2,409,000 | 2,174 |
| Pre-tax net operating income | $7,690,000 | 1,273 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,642,000 | 1,051 |
| Income before extraordinary items | $5,048,000 | 1,441 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,048,000 | 1,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,669 |
| Cash dividends | $689,000 | 3,237 |
| Sale, conversion, retirement of capital stock, net | $538,000 | 590 |
| Net operating income | $5,048,000 | 1,427 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,057,000 | 1,656 |
| Total interest expense | $6,394,000 | 1,883 |
| Net interest income | $11,663,000 | 1,483 |
| Provision for loan and lease losses | $483,000 | 1,431 |
| Total noninterest income | $481,000 | 4,579 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $133,000 | 5,265 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $348,000 | 3,452 |
| Total noninterest expense | $6,080,000 | 2,175 |
| Salaries and employee benefits | $3,770,000 | 1,931 |
| Premises and equipment expense | $462,000 | 3,692 |
| Additional noninterest expense | $1,848,000 | 2,113 |
| Pre-tax net operating income | $5,581,000 | 1,370 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,968,000 | 1,106 |
| Income before extraordinary items | $3,613,000 | 1,547 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,613,000 | 1,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,572 |
| Cash dividends | $504,000 | 2,903 |
| Sale, conversion, retirement of capital stock, net | $415,000 | 481 |
| Net operating income | $3,613,000 | 1,529 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,479,000 | 1,703 |
| Total interest expense | $4,003,000 | 1,901 |
| Net interest income | $7,476,000 | 1,540 |
| Provision for loan and lease losses | $333,000 | 1,348 |
| Total noninterest income | $350,000 | 4,350 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $87,000 | 5,304 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $263,000 | 3,241 |
| Total noninterest expense | $3,984,000 | 2,211 |
| Salaries and employee benefits | $2,445,000 | 1,990 |
| Premises and equipment expense | $291,000 | 3,855 |
| Additional noninterest expense | $1,248,000 | 2,095 |
| Pre-tax net operating income | $3,509,000 | 1,438 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,238,000 | 1,167 |
| Income before extraordinary items | $2,271,000 | 1,610 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,271,000 | 1,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $336,000 | 2,950 |
| Sale, conversion, retirement of capital stock, net | $281,000 | 390 |
| Net operating income | $2,271,000 | 1,599 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,485,000 | 1,740 |
| Total interest expense | $1,877,000 | 1,928 |
| Net interest income | $3,608,000 | 1,587 |
| Provision for loan and lease losses | $163,000 | 1,338 |
| Total noninterest income | $184,000 | 4,160 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $43,000 | 5,250 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $141,000 | 3,087 |
| Total noninterest expense | $1,862,000 | 2,376 |
| Salaries and employee benefits | $1,168,000 | 2,111 |
| Premises and equipment expense | $136,000 | 4,066 |
| Additional noninterest expense | $558,000 | 2,292 |
| Pre-tax net operating income | $1,767,000 | 1,394 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $621,000 | 1,160 |
| Income before extraordinary items | $1,146,000 | 1,579 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,146,000 | 1,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 277 |
| Net operating income | $1,146,000 | 1,560 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,427,000 | 1,926 |
| Total interest expense | $5,147,000 | 2,143 |
| Net interest income | $12,280,000 | 1,779 |
| Provision for loan and lease losses | $1,068,000 | 991 |
| Total noninterest income | $639,000 | 4,629 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $161,000 | 5,484 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $478,000 | 3,451 |
| Total noninterest expense | $6,928,000 | 2,410 |
| Salaries and employee benefits | $4,127,000 | 2,222 |
| Premises and equipment expense | $547,000 | 3,920 |
| Additional noninterest expense | $2,254,000 | 2,218 |
| Pre-tax net operating income | $4,923,000 | 1,888 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,725,000 | 1,532 |
| Income before extraordinary items | $3,198,000 | 2,126 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,198,000 | 2,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-184,000 | 8,721 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $204,000 | 643 |
| Net operating income | $3,198,000 | 2,107 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,265,000 | 1,986 |
| Total interest expense | $3,448,000 | 2,252 |
| Net interest income | $8,817,000 | 1,855 |
| Provision for loan and lease losses | $852,000 | 885 |
| Total noninterest income | $495,000 | 4,574 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $121,000 | 5,512 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $374,000 | 3,393 |
| Total noninterest expense | $5,209,000 | 2,379 |
| Salaries and employee benefits | $3,055,000 | 2,236 |
| Premises and equipment expense | $409,000 | 3,910 |
| Additional noninterest expense | $1,745,000 | 2,124 |
| Pre-tax net operating income | $3,251,000 | 2,100 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,144,000 | 1,711 |
| Income before extraordinary items | $2,107,000 | 2,393 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,107,000 | 2,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-268,000 | 8,774 |
| Cash dividends | $338,000 | 3,360 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 525 |
| Net operating income | $2,107,000 | 2,361 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,619,000 | 2,067 |
| Total interest expense | $2,083,000 | 2,355 |
| Net interest income | $5,536,000 | 1,960 |
| Provision for loan and lease losses | $562,000 | 879 |
| Total noninterest income | $322,000 | 4,603 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $83,000 | 5,411 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $239,000 | 3,442 |
| Total noninterest expense | $3,507,000 | 2,349 |
| Salaries and employee benefits | $1,983,000 | 2,270 |
| Premises and equipment expense | $273,000 | 3,893 |
| Additional noninterest expense | $1,251,000 | 1,956 |
| Pre-tax net operating income | $1,789,000 | 2,387 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $626,000 | 1,935 |
| Income before extraordinary items | $1,163,000 | 2,721 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,163,000 | 2,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-164,000 | 8,735 |
| Cash dividends | $214,000 | 3,420 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 425 |
| Net operating income | $1,163,000 | 2,680 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,639,000 | 2,124 |
| Total interest expense | $943,000 | 2,453 |
| Net interest income | $2,696,000 | 1,999 |
| Provision for loan and lease losses | $341,000 | 686 |
| Total noninterest income | $164,000 | 4,480 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $39,000 | 5,509 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $125,000 | 3,316 |
| Total noninterest expense | $1,722,000 | 2,389 |
| Salaries and employee benefits | $952,000 | 2,385 |
| Premises and equipment expense | $131,000 | 4,048 |
| Additional noninterest expense | $639,000 | 1,921 |
| Pre-tax net operating income | $797,000 | 2,583 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $311,000 | 1,926 |
| Income before extraordinary items | $486,000 | 3,113 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $486,000 | 3,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 926 |
| Cash dividends | $90,000 | 3,047 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 344 |
| Net operating income | $486,000 | 3,077 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,327,000 | 2,335 |
| Total interest expense | $3,576,000 | 2,260 |
| Net interest income | $8,751,000 | 2,334 |
| Provision for loan and lease losses | $620,000 | 1,601 |
| Total noninterest income | $588,000 | 4,855 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $211,000 | 5,115 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $377,000 | 3,818 |
| Total noninterest expense | $5,678,000 | 2,789 |
| Salaries and employee benefits | $3,320,000 | 2,598 |
| Premises and equipment expense | $539,000 | 3,849 |
| Additional noninterest expense | $1,819,000 | 2,627 |
| Pre-tax net operating income | $3,041,000 | 2,554 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $899,000 | 2,343 |
| Income before extraordinary items | $2,143,000 | 2,751 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,143,000 | 2,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $470,000 | 1,411 |
| Cash dividends | $271,000 | 4,507 |
| Sale, conversion, retirement of capital stock, net | $3,229,000 | 276 |
| Net operating income | $2,142,300 | 2,692 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,817,000 | 2,413 |
| Total interest expense | $2,600,000 | 2,266 |
| Net interest income | $6,217,000 | 2,434 |
| Provision for loan and lease losses | $477,000 | 1,503 |
| Total noninterest income | $441,000 | 4,892 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $157,000 | 5,164 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $284,000 | 3,834 |
| Total noninterest expense | $4,149,000 | 2,829 |
| Salaries and employee benefits | $2,404,000 | 2,656 |
| Premises and equipment expense | $408,000 | 3,816 |
| Additional noninterest expense | $1,337,000 | 2,642 |
| Pre-tax net operating income | $2,032,000 | 2,840 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $561,000 | 2,697 |
| Income before extraordinary items | $1,471,000 | 2,998 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,471,000 | 2,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,068 |
| Cash dividends | $221,000 | 3,846 |
| Sale, conversion, retirement of capital stock, net | $3,039,000 | 201 |
| Net operating income | $1,471,000 | 2,921 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,523,000 | 2,529 |
| Total interest expense | $1,677,000 | 2,318 |
| Net interest income | $3,846,000 | 2,580 |
| Provision for loan and lease losses | $349,000 | 1,387 |
| Total noninterest income | $325,000 | 4,610 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $104,000 | 5,184 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $221,000 | 3,555 |
| Total noninterest expense | $2,656,000 | 2,929 |
| Salaries and employee benefits | $1,491,000 | 2,848 |
| Premises and equipment expense | $274,000 | 3,796 |
| Additional noninterest expense | $891,000 | 2,650 |
| Pre-tax net operating income | $1,166,000 | 3,181 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $325,000 | 2,933 |
| Income before extraordinary items | $842,000 | 3,395 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $842,000 | 3,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,594 |
| Cash dividends | $128,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $2,980,000 | 143 |
| Net operating income | $841,280 | 3,296 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,617,000 | 2,668 |
| Total interest expense | $805,000 | 2,428 |
| Net interest income | $1,812,000 | 2,736 |
| Provision for loan and lease losses | $246,000 | 978 |
| Total noninterest income | $139,000 | 4,970 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $45,000 | 5,435 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $94,000 | 3,835 |
| Total noninterest expense | $1,218,000 | 3,183 |
| Salaries and employee benefits | $719,000 | 2,957 |
| Premises and equipment expense | $138,000 | 3,818 |
| Additional noninterest expense | $361,000 | 3,202 |
| Pre-tax net operating income | $487,000 | 3,595 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $155,000 | 3,023 |
| Income before extraordinary items | $333,000 | 3,983 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $333,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $82,000 | 3,048 |
| Sale, conversion, retirement of capital stock, net | $2,690,000 | 77 |
| Net operating income | $332,320 | 3,863 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,535,000 | 2,965 |
| Total interest expense | $3,147,000 | 2,745 |
| Net interest income | $6,388,000 | 3,011 |
| Provision for loan and lease losses | $614,000 | 1,811 |
| Total noninterest income | $689,000 | 4,595 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $225,000 | 5,003 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $464,000 | 3,705 |
| Total noninterest expense | $4,512,000 | 3,338 |
| Salaries and employee benefits | $2,440,000 | 3,329 |
| Premises and equipment expense | $546,000 | 3,802 |
| Additional noninterest expense | $1,526,000 | 3,029 |
| Pre-tax net operating income | $1,951,000 | 3,445 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $679,000 | 2,854 |
| Income before extraordinary items | $1,274,000 | 3,982 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,274,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,234 |
| Cash dividends | $201,000 | 4,901 |
| Sale, conversion, retirement of capital stock, net | $265,000 | 561 |
| Net operating income | $1,272,700 | 3,810 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,963,000 | 3,071 |
| Total interest expense | $2,358,000 | 2,834 |
| Net interest income | $4,605,000 | 3,126 |
| Provision for loan and lease losses | $493,000 | 1,687 |
| Total noninterest income | $541,000 | 4,517 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $183,000 | 4,842 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $358,000 | 3,735 |
| Total noninterest expense | $3,117,000 | 3,588 |
| Salaries and employee benefits | $1,764,000 | 3,419 |
| Premises and equipment expense | $417,000 | 3,736 |
| Additional noninterest expense | $936,000 | 3,596 |
| Pre-tax net operating income | $1,536,000 | 3,472 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $532,000 | 2,922 |
| Income before extraordinary items | $1,006,000 | 3,964 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,006,000 | 3,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $56,000 | 5,058 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 535 |
| Net operating income | $1,004,700 | 3,810 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,441,000 | 3,205 |
| Total interest expense | $1,593,000 | 2,885 |
| Net interest income | $2,848,000 | 3,336 |
| Provision for loan and lease losses | $274,000 | 1,988 |
| Total noninterest income | $462,000 | 3,925 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $127,000 | 4,711 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $335,000 | 3,104 |
| Total noninterest expense | $2,063,000 | 3,599 |
| Salaries and employee benefits | $1,094,000 | 3,623 |
| Premises and equipment expense | $273,000 | 3,763 |
| Additional noninterest expense | $696,000 | 3,249 |
| Pre-tax net operating income | $973,000 | 3,591 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $333,000 | 3,047 |
| Income before extraordinary items | $642,000 | 4,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $642,000 | 4,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $26,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 424 |
| Net operating income | $640,680 | 3,918 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,125,000 | 3,355 |
| Total interest expense | $771,000 | 3,032 |
| Net interest income | $1,354,000 | 3,458 |
| Provision for loan and lease losses | $88,000 | 2,632 |
| Total noninterest income | $197,000 | 4,200 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $58,000 | 4,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $139,000 | 3,347 |
| Total noninterest expense | $962,000 | 3,788 |
| Salaries and employee benefits | $488,000 | 3,973 |
| Premises and equipment expense | $127,000 | 3,981 |
| Additional noninterest expense | $347,000 | 3,216 |
| Pre-tax net operating income | $501,000 | 3,483 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $171,000 | 2,972 |
| Income before extraordinary items | $330,000 | 3,977 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $330,000 | 3,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $10,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 332 |
| Net operating income | $330,000 | 3,788 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,742,000 | 3,750 |
| Total interest expense | $2,878,000 | 3,645 |
| Net interest income | $4,864,000 | 3,747 |
| Provision for loan and lease losses | $440,000 | 2,632 |
| Total noninterest income | $638,000 | 4,568 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $197,000 | 5,230 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $441,000 | 3,513 |
| Total noninterest expense | $3,456,000 | 4,007 |
| Salaries and employee benefits | $1,763,000 | 4,154 |
| Premises and equipment expense | $451,000 | 4,258 |
| Additional noninterest expense | $1,242,000 | 3,516 |
| Pre-tax net operating income | $1,606,000 | 3,927 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $557,000 | 3,248 |
| Income before extraordinary items | $1,050,000 | 4,461 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,050,000 | 4,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,091 |
| Cash dividends | $18,000 | 6,247 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 711 |
| Net operating income | $1,049,350 | 4,348 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,178,000 | 4,856 |
| Total interest expense | $2,627,000 | 5,229 |
| Net interest income | $3,551,000 | 4,511 |
| Provision for loan and lease losses | $476,000 | 2,308 |
| Total noninterest income | $393,000 | 5,726 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $107,000 | 6,451 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $286,000 | 4,222 |
| Total noninterest expense | $2,827,000 | 4,544 |
| Salaries and employee benefits | $1,485,000 | 4,555 |
| Premises and equipment expense | $432,000 | 4,364 |
| Additional noninterest expense | $910,000 | 4,373 |
| Pre-tax net operating income | $641,000 | 6,020 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $222,000 | 4,836 |
| Income before extraordinary items | $419,000 | 6,466 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $419,000 | 6,469 |
| 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 | $57,000 | 721 |
| Net operating income | $419,000 | 6,341 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,784,000 | 5,900 |
| Total interest expense | $2,114,000 | 6,110 |
| Net interest income | $2,670,000 | 5,579 |
| Provision for loan and lease losses | $393,000 | 2,306 |
| Total noninterest income | $92,000 | 8,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 7,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,125 |
| Total noninterest expense | $2,511,000 | 4,840 |
| Salaries and employee benefits | $1,325,000 | 4,830 |
| Premises and equipment expense | $388,000 | 4,606 |
| Additional noninterest expense | $798,000 | 4,757 |
| Pre-tax net operating income | $-142,000 | 9,284 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-442,000 | 9,783 |
| Income before extraordinary items | $300,000 | 7,471 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $300,000 | 7,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 905 |
| Net operating income | $300,000 | 7,478 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 8,987 |
| Total interest expense | $537,000 | 9,360 |
| Net interest income | $1,025,000 | 8,573 |
| Provision for loan and lease losses | $266,000 | 2,935 |
| Total noninterest income | $33,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 8,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,339 |
| Total noninterest expense | $1,649,000 | 6,411 |
| Salaries and employee benefits | $809,000 | 6,711 |
| Premises and equipment expense | $288,000 | 5,591 |
| Additional noninterest expense | $552,000 | 6,137 |
| Pre-tax net operating income | $-857,000 | 10,026 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-857,000 | 10,049 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-857,000 | 10,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $8,329,000 | 112 |
| Net operating income | $-857,000 | 10,038 |
* 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.