Home > Black Mountain Community Bank > Income and Expense
Black Mountain Community Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,273,000 | 3,420 |
| Total interest expense | $3,447,000 | 3,084 |
| Net interest income | $5,826,000 | 3,551 |
| Provision for loan and lease losses | $5,330,000 | 1,366 |
| Total noninterest income | $206,000 | 6,182 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $53,000 | 6,420 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $153,000 | 5,063 |
| Total noninterest expense | $3,627,000 | 4,609 |
| Salaries and employee benefits | $1,732,000 | 4,771 |
| Premises and equipment expense | $371,000 | 5,178 |
| Additional noninterest expense | $1,524,000 | 4,034 |
| Pre-tax net operating income | $-2,925,000 | 6,881 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-935,000 | 7,254 |
| Income before extraordinary items | $-1,990,000 | 6,750 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,990,000 | 6,748 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,990,000 | 6,748 |
| Net charge-offs | $3,101,000 | 1,571 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,990,000 | 6,751 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,237,000 | 3,366 |
| Total interest expense | $2,674,000 | 3,132 |
| Net interest income | $4,563,000 | 3,428 |
| Provision for loan and lease losses | $2,189,000 | 1,799 |
| Total noninterest income | $167,000 | 6,186 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $36,000 | 6,545 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $131,000 | 4,991 |
| Total noninterest expense | $2,700,000 | 4,640 |
| Salaries and employee benefits | $1,307,000 | 4,794 |
| Premises and equipment expense | $278,000 | 5,218 |
| Additional noninterest expense | $1,115,000 | 4,081 |
| Pre-tax net operating income | $-159,000 | 5,971 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $552,000 | 1,317 |
| Income before extraordinary items | $-711,000 | 6,576 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-711,000 | 6,577 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-711,000 | 6,577 |
| Net charge-offs | $1,502,000 | 1,768 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-711,000 | 6,578 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,820,000 | 3,397 |
| Total interest expense | $1,846,000 | 3,156 |
| Net interest income | $2,974,000 | 3,484 |
| Provision for loan and lease losses | $993,000 | 2,077 |
| Total noninterest income | $114,000 | 6,192 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $20,000 | 6,708 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $94,000 | 4,909 |
| Total noninterest expense | $1,818,000 | 4,658 |
| Salaries and employee benefits | $913,000 | 4,709 |
| Premises and equipment expense | $183,000 | 5,298 |
| Additional noninterest expense | $722,000 | 4,177 |
| Pre-tax net operating income | $277,000 | 4,243 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $98,000 | 2,646 |
| Income before extraordinary items | $179,000 | 4,673 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $179,000 | 4,670 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $179,000 | 4,670 |
| Net charge-offs | $1,139,000 | 1,543 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $179,000 | 4,588 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 3,476 |
| Total interest expense | $965,000 | 3,138 |
| Net interest income | $1,407,000 | 3,629 |
| Provision for loan and lease losses | $98,000 | 3,944 |
| Total noninterest income | $39,000 | 6,695 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $10,000 | 6,707 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $29,000 | 5,665 |
| Total noninterest expense | $860,000 | 4,741 |
| Salaries and employee benefits | $443,000 | 4,849 |
| Premises and equipment expense | $97,000 | 5,192 |
| Additional noninterest expense | $320,000 | 4,203 |
| Pre-tax net operating income | $488,000 | 2,426 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $168,000 | 1,625 |
| Income before extraordinary items | $320,000 | 2,996 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $320,000 | 2,997 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $320,000 | 2,997 |
| Net charge-offs | $210,000 | 2,091 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $320,000 | 2,854 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,553,000 | 3,388 |
| Total interest expense | $4,159,000 | 3,419 |
| Net interest income | $6,394,000 | 3,302 |
| Provision for loan and lease losses | $362,000 | 4,300 |
| Total noninterest income | $186,000 | 6,591 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $70,000 | 6,338 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $116,000 | 5,722 |
| Total noninterest expense | $3,176,000 | 4,936 |
| Salaries and employee benefits | $1,763,000 | 4,858 |
| Premises and equipment expense | $388,000 | 5,170 |
| Additional noninterest expense | $1,025,000 | 4,746 |
| Pre-tax net operating income | $3,042,000 | 1,772 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,042,000 | 1,167 |
| Income before extraordinary items | $2,000,000 | 2,000 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,000,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,515 |
| Cash dividends | $2,095,000 | 1,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,000,000 | 2,115 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,951,000 | 3,438 |
| Total interest expense | $3,138,000 | 3,516 |
| Net interest income | $4,813,000 | 3,322 |
| Provision for loan and lease losses | $402,000 | 3,063 |
| Total noninterest income | $142,000 | 6,673 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $53,000 | 6,369 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $89,000 | 5,802 |
| Total noninterest expense | $2,438,000 | 4,836 |
| Salaries and employee benefits | $1,371,000 | 4,756 |
| Premises and equipment expense | $292,000 | 5,182 |
| Additional noninterest expense | $775,000 | 4,633 |
| Pre-tax net operating income | $2,115,000 | 2,212 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $725,000 | 1,492 |
| Income before extraordinary items | $1,390,000 | 2,481 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,390,000 | 2,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,427 |
| Cash dividends | $1,095,000 | 1,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,390,000 | 2,589 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,325,000 | 3,473 |
| Total interest expense | $2,148,000 | 3,565 |
| Net interest income | $3,177,000 | 3,336 |
| Provision for loan and lease losses | $343,000 | 2,357 |
| Total noninterest income | $109,000 | 6,532 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $35,000 | 6,396 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $74,000 | 5,542 |
| Total noninterest expense | $1,602,000 | 4,906 |
| Salaries and employee benefits | $897,000 | 4,851 |
| Premises and equipment expense | $193,000 | 5,239 |
| Additional noninterest expense | $512,000 | 4,665 |
| Pre-tax net operating income | $1,341,000 | 2,407 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $460,000 | 1,700 |
| Income before extraordinary items | $881,000 | 2,850 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $881,000 | 2,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,930 |
| Cash dividends | $745,000 | 1,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $881,000 | 2,791 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,740,000 | 3,477 |
| Total interest expense | $1,148,000 | 3,561 |
| Net interest income | $1,592,000 | 3,347 |
| Provision for loan and lease losses | $240,000 | 1,638 |
| Total noninterest income | $59,000 | 6,392 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $41,000 | 5,402 |
| Total noninterest expense | $805,000 | 4,913 |
| Salaries and employee benefits | $458,000 | 4,835 |
| Premises and equipment expense | $96,000 | 5,276 |
| Additional noninterest expense | $251,000 | 4,675 |
| Pre-tax net operating income | $606,000 | 2,681 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $208,000 | 1,919 |
| Income before extraordinary items | $398,000 | 3,201 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $398,000 | 3,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $445,000 | 1,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $398,000 | 3,123 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,880,000 | 3,316 |
| Total interest expense | $4,756,000 | 3,592 |
| Net interest income | $7,124,000 | 3,054 |
| Provision for loan and lease losses | $-114,000 | 8,396 |
| Total noninterest income | $402,000 | 5,480 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $61,000 | 6,585 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $341,000 | 4,016 |
| Total noninterest expense | $3,670,000 | 4,377 |
| Salaries and employee benefits | $2,282,000 | 3,971 |
| Premises and equipment expense | $344,000 | 5,453 |
| Additional noninterest expense | $1,044,000 | 4,520 |
| Pre-tax net operating income | $3,970,000 | 1,997 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,358,000 | 1,510 |
| Income before extraordinary items | $2,612,000 | 2,266 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,612,000 | 2,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $1,500,000 | 1,987 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,612,000 | 2,255 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,904,000 | 3,312 |
| Total interest expense | $3,515,000 | 3,634 |
| Net interest income | $5,389,000 | 3,025 |
| Provision for loan and lease losses | $16,000 | 5,978 |
| Total noninterest income | $329,000 | 5,348 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $44,000 | 6,646 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $285,000 | 3,829 |
| Total noninterest expense | $2,698,000 | 4,421 |
| Salaries and employee benefits | $1,657,000 | 4,055 |
| Premises and equipment expense | $254,000 | 5,491 |
| Additional noninterest expense | $787,000 | 4,417 |
| Pre-tax net operating income | $3,004,000 | 2,105 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,028,000 | 1,612 |
| Income before extraordinary items | $1,976,000 | 2,396 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,976,000 | 2,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $1,125,000 | 1,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,976,000 | 2,375 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,896,000 | 3,338 |
| Total interest expense | $2,338,000 | 3,628 |
| Net interest income | $3,558,000 | 3,079 |
| Provision for loan and lease losses | $11,000 | 5,714 |
| Total noninterest income | $239,000 | 5,180 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $28,000 | 6,731 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $211,000 | 3,679 |
| Total noninterest expense | $1,810,000 | 4,429 |
| Salaries and employee benefits | $1,104,000 | 4,089 |
| Premises and equipment expense | $170,000 | 5,511 |
| Additional noninterest expense | $536,000 | 4,359 |
| Pre-tax net operating income | $1,976,000 | 2,185 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $676,000 | 1,708 |
| Income before extraordinary items | $1,300,000 | 2,481 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,300,000 | 2,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $750,000 | 1,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,300,000 | 2,465 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,959,000 | 3,321 |
| Total interest expense | $1,157,000 | 3,625 |
| Net interest income | $1,802,000 | 3,040 |
| Provision for loan and lease losses | $41,000 | 3,408 |
| Total noninterest income | $138,000 | 4,817 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $12,000 | 6,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $126,000 | 3,324 |
| Total noninterest expense | $923,000 | 4,371 |
| Salaries and employee benefits | $570,000 | 4,026 |
| Premises and equipment expense | $90,000 | 5,373 |
| Additional noninterest expense | $263,000 | 4,369 |
| Pre-tax net operating income | $976,000 | 2,213 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $333,000 | 1,732 |
| Income before extraordinary items | $643,000 | 2,496 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $643,000 | 2,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $375,000 | 1,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $643,000 | 2,468 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,658,000 | 3,411 |
| Total interest expense | $3,270,000 | 4,100 |
| Net interest income | $7,388,000 | 2,969 |
| Provision for loan and lease losses | $353,000 | 2,510 |
| Total noninterest income | $326,000 | 6,015 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $64,000 | 6,666 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $262,000 | 4,559 |
| Total noninterest expense | $3,475,000 | 4,422 |
| Salaries and employee benefits | $2,095,000 | 4,130 |
| Premises and equipment expense | $315,000 | 5,617 |
| Additional noninterest expense | $1,065,000 | 4,317 |
| Pre-tax net operating income | $3,886,000 | 2,303 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,329,000 | 1,837 |
| Income before extraordinary items | $2,557,000 | 2,571 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,557,000 | 2,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,131 |
| Cash dividends | $700,000 | 3,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,557,000 | 2,551 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,681,000 | 3,491 |
| Total interest expense | $2,188,000 | 4,304 |
| Net interest income | $5,493,000 | 3,015 |
| Provision for loan and lease losses | $221,000 | 2,709 |
| Total noninterest income | $239,000 | 6,108 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $52,000 | 6,672 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $187,000 | 4,674 |
| Total noninterest expense | $2,486,000 | 4,558 |
| Salaries and employee benefits | $1,483,000 | 4,267 |
| Premises and equipment expense | $227,000 | 5,753 |
| Additional noninterest expense | $776,000 | 4,372 |
| Pre-tax net operating income | $3,025,000 | 2,313 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,035,000 | 1,842 |
| Income before extraordinary items | $1,990,000 | 2,574 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,990,000 | 2,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,397 |
| Cash dividends | $525,000 | 2,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,990,000 | 2,560 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,894,000 | 3,554 |
| Total interest expense | $1,324,000 | 4,430 |
| Net interest income | $3,570,000 | 3,084 |
| Provision for loan and lease losses | $136,000 | 2,806 |
| Total noninterest income | $138,000 | 6,394 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $27,000 | 6,945 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $111,000 | 4,908 |
| Total noninterest expense | $1,605,000 | 4,667 |
| Salaries and employee benefits | $962,000 | 4,380 |
| Premises and equipment expense | $148,000 | 5,813 |
| Additional noninterest expense | $495,000 | 4,518 |
| Pre-tax net operating income | $1,967,000 | 2,338 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $673,000 | 1,892 |
| Income before extraordinary items | $1,294,000 | 2,630 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,294,000 | 2,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 1,766 |
| Cash dividends | $350,000 | 2,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,294,000 | 2,615 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,399,000 | 3,544 |
| Total interest expense | $657,000 | 4,338 |
| Net interest income | $1,742,000 | 3,144 |
| Provision for loan and lease losses | $61,000 | 2,778 |
| Total noninterest income | $75,000 | 6,200 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $793,000 | 4,728 |
| Salaries and employee benefits | $483,000 | 4,385 |
| Premises and equipment expense | $71,000 | 5,930 |
| Additional noninterest expense | $239,000 | 4,605 |
| Pre-tax net operating income | $963,000 | 2,343 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $329,000 | 1,904 |
| Income before extraordinary items | $634,000 | 2,632 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $634,000 | 2,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 989 |
| Cash dividends | $175,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $634,000 | 2,612 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,404,000 | 3,612 |
| Total interest expense | $2,024,000 | 4,396 |
| Net interest income | $6,380,000 | 3,260 |
| Provision for loan and lease losses | $270,000 | 3,029 |
| Total noninterest income | $342,000 | 6,066 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $67,000 | 6,794 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $275,000 | 4,535 |
| Total noninterest expense | $3,110,000 | 4,654 |
| Salaries and employee benefits | $1,857,000 | 4,364 |
| Premises and equipment expense | $289,000 | 5,831 |
| Additional noninterest expense | $964,000 | 4,539 |
| Pre-tax net operating income | $3,342,000 | 2,542 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,138,000 | 2,087 |
| Income before extraordinary items | $2,204,000 | 2,847 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,204,000 | 2,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $300,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,204,000 | 2,814 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,110,000 | 3,650 |
| Total interest expense | $1,434,000 | 4,432 |
| Net interest income | $4,676,000 | 3,316 |
| Provision for loan and lease losses | $230,000 | 2,673 |
| Total noninterest income | $251,000 | 6,138 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 6,812 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $199,000 | 4,618 |
| Total noninterest expense | $2,288,000 | 4,693 |
| Salaries and employee benefits | $1,350,000 | 4,449 |
| Premises and equipment expense | $215,000 | 5,855 |
| Additional noninterest expense | $723,000 | 4,525 |
| Pre-tax net operating income | $2,409,000 | 2,648 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $820,000 | 2,166 |
| Income before extraordinary items | $1,589,000 | 3,000 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,589,000 | 3,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $200,000 | 4,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,589,000 | 2,959 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,886,000 | 3,730 |
| Total interest expense | $905,000 | 4,435 |
| Net interest income | $2,981,000 | 3,421 |
| Provision for loan and lease losses | $140,000 | 2,787 |
| Total noninterest income | $165,000 | 6,152 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $35,000 | 6,780 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $130,000 | 4,617 |
| Total noninterest expense | $1,503,000 | 4,723 |
| Salaries and employee benefits | $882,000 | 4,493 |
| Premises and equipment expense | $141,000 | 5,896 |
| Additional noninterest expense | $480,000 | 4,513 |
| Pre-tax net operating income | $1,503,000 | 2,749 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $511,000 | 2,245 |
| Income before extraordinary items | $992,000 | 3,119 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $992,000 | 3,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $992,000 | 3,070 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,797,000 | 3,927 |
| Total interest expense | $410,000 | 4,601 |
| Net interest income | $1,387,000 | 3,636 |
| Provision for loan and lease losses | $87,000 | 2,311 |
| Total noninterest income | $85,000 | 6,025 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $22,000 | 6,479 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,679 |
| Total noninterest expense | $711,000 | 4,939 |
| Salaries and employee benefits | $409,000 | 4,756 |
| Premises and equipment expense | $69,000 | 5,998 |
| Additional noninterest expense | $233,000 | 4,605 |
| Pre-tax net operating income | $674,000 | 2,942 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $229,000 | 2,385 |
| Income before extraordinary items | $445,000 | 3,343 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $445,000 | 3,344 |
| 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 | $445,000 | 3,308 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,968,000 | 4,282 |
| Total interest expense | $1,155,000 | 5,227 |
| Net interest income | $4,813,000 | 3,919 |
| Provision for loan and lease losses | $215,000 | 3,572 |
| Total noninterest income | $265,000 | 6,648 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $55,000 | 7,212 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $210,000 | 5,009 |
| Total noninterest expense | $2,698,000 | 5,033 |
| Salaries and employee benefits | $1,598,000 | 4,735 |
| Premises and equipment expense | $282,000 | 5,856 |
| Additional noninterest expense | $818,000 | 5,013 |
| Pre-tax net operating income | $2,165,000 | 3,339 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $737,000 | 2,666 |
| Income before extraordinary items | $1,428,000 | 3,752 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,428,000 | 3,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 8,746 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,428,000 | 3,699 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,291,000 | 4,383 |
| Total interest expense | $827,000 | 5,357 |
| Net interest income | $3,464,000 | 4,043 |
| Provision for loan and lease losses | $124,000 | 3,944 |
| Total noninterest income | $180,000 | 6,883 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $37,000 | 7,339 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $143,000 | 5,219 |
| Total noninterest expense | $2,034,000 | 4,966 |
| Salaries and employee benefits | $1,202,000 | 4,677 |
| Premises and equipment expense | $213,000 | 5,794 |
| Additional noninterest expense | $619,000 | 4,955 |
| Pre-tax net operating income | $1,486,000 | 3,596 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $506,000 | 2,877 |
| Income before extraordinary items | $980,000 | 4,055 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $980,000 | 4,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 8,751 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $980,000 | 3,991 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,700,000 | 4,576 |
| Total interest expense | $541,000 | 5,419 |
| Net interest income | $2,159,000 | 4,247 |
| Provision for loan and lease losses | $47,000 | 4,814 |
| Total noninterest income | $144,000 | 6,565 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $24,000 | 7,394 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $120,000 | 4,788 |
| Total noninterest expense | $1,343,000 | 5,025 |
| Salaries and employee benefits | $776,000 | 4,815 |
| Premises and equipment expense | $144,000 | 5,789 |
| Additional noninterest expense | $423,000 | 4,868 |
| Pre-tax net operating income | $913,000 | 3,759 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $311,000 | 3,023 |
| Income before extraordinary items | $602,000 | 4,242 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $602,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 8,823 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $602,000 | 4,150 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,306,000 | 4,703 |
| Total interest expense | $274,000 | 5,449 |
| Net interest income | $1,032,000 | 4,387 |
| Provision for loan and lease losses | $1,000 | 6,438 |
| Total noninterest income | $52,000 | 7,147 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $13,000 | 7,319 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $39,000 | 5,616 |
| Total noninterest expense | $635,000 | 5,251 |
| Salaries and employee benefits | $358,000 | 5,107 |
| Premises and equipment expense | $74,000 | 5,726 |
| Additional noninterest expense | $203,000 | 5,026 |
| Pre-tax net operating income | $448,000 | 3,795 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $153,000 | 3,057 |
| Income before extraordinary items | $295,000 | 4,313 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $295,000 | 4,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,916 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $295,000 | 4,185 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,677,000 | 5,119 |
| Total interest expense | $1,210,000 | 5,549 |
| Net interest income | $3,467,000 | 4,835 |
| Provision for loan and lease losses | $73,000 | 5,772 |
| Total noninterest income | $172,000 | 7,592 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $75,000 | 6,999 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $97,000 | 6,585 |
| Total noninterest expense | $2,181,000 | 5,708 |
| Salaries and employee benefits | $1,189,000 | 5,675 |
| Premises and equipment expense | $259,000 | 6,074 |
| Additional noninterest expense | $733,000 | 5,346 |
| Pre-tax net operating income | $1,385,000 | 4,337 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $471,000 | 3,473 |
| Income before extraordinary items | $914,000 | 4,895 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $914,000 | 4,896 |
| 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 | $730,000 | 454 |
| Net operating income | $914,000 | 4,737 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,432,000 | 5,246 |
| Total interest expense | $938,000 | 5,572 |
| Net interest income | $2,494,000 | 4,977 |
| Provision for loan and lease losses | $3,000 | 7,400 |
| Total noninterest income | $131,000 | 7,623 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $57,000 | 7,032 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $74,000 | 6,610 |
| Total noninterest expense | $1,647,000 | 5,664 |
| Salaries and employee benefits | $915,000 | 5,542 |
| Premises and equipment expense | $190,000 | 6,129 |
| Additional noninterest expense | $542,000 | 5,367 |
| Pre-tax net operating income | $975,000 | 4,613 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $332,000 | 3,745 |
| Income before extraordinary items | $643,000 | 5,206 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $643,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,808 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $730,000 | 341 |
| Net operating income | $643,000 | 5,031 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,202,000 | 5,416 |
| Total interest expense | $659,000 | 5,530 |
| Net interest income | $1,543,000 | 5,249 |
| Provision for loan and lease losses | $2,000 | 7,249 |
| Total noninterest income | $81,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $37,000 | 7,065 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $44,000 | 6,789 |
| Total noninterest expense | $1,048,000 | 5,835 |
| Salaries and employee benefits | $570,000 | 5,780 |
| Premises and equipment expense | $124,000 | 6,178 |
| Additional noninterest expense | $354,000 | 5,439 |
| Pre-tax net operating income | $574,000 | 4,956 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $196,000 | 4,017 |
| Income before extraordinary items | $378,000 | 5,560 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $378,000 | 5,560 |
| 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 | $300,000 | 290 |
| Net operating income | $378,000 | 5,346 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,085,000 | 5,498 |
| Total interest expense | $337,000 | 5,560 |
| Net interest income | $748,000 | 5,322 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $19,000 | 8,654 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $492,000 | 6,050 |
| Salaries and employee benefits | $252,000 | 6,217 |
| Premises and equipment expense | $64,000 | 6,109 |
| Additional noninterest expense | $176,000 | 5,433 |
| Pre-tax net operating income | $273,000 | 5,039 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $93,000 | 4,071 |
| Income before extraordinary items | $180,000 | 5,581 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $180,000 | 5,580 |
| 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 | $180,000 | 5,384 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,959,000 | 5,931 |
| Total interest expense | $1,344,000 | 6,073 |
| Net interest income | $2,615,000 | 5,762 |
| Provision for loan and lease losses | $185,000 | 4,507 |
| Total noninterest income | $40,000 | 9,038 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $26,000 | 7,911 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $14,000 | 8,747 |
| Total noninterest expense | $1,808,000 | 6,246 |
| Salaries and employee benefits | $939,000 | 6,358 |
| Premises and equipment expense | $235,000 | 6,327 |
| Additional noninterest expense | $634,000 | 5,731 |
| Pre-tax net operating income | $662,000 | 6,213 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $228,000 | 4,916 |
| Income before extraordinary items | $439,000 | 6,651 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $439,000 | 6,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $435,700 | 6,547 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,244,000 | 6,986 |
| Total interest expense | $1,424,000 | 7,140 |
| Net interest income | $1,820,000 | 6,756 |
| Provision for loan and lease losses | $345,000 | 2,938 |
| Total noninterest income | $15,000 | 9,452 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $10,000 | 8,248 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,000 | 9,318 |
| Total noninterest expense | $1,471,000 | 6,858 |
| Salaries and employee benefits | $718,000 | 7,126 |
| Premises and equipment expense | $229,000 | 6,372 |
| Additional noninterest expense | $524,000 | 6,289 |
| Pre-tax net operating income | $19,000 | 8,656 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $7,000 | 7,684 |
| Income before extraordinary items | $12,000 | 8,768 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $12,000 | 8,767 |
| 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 | $0 | 922 |
| Net operating income | $12,000 | 8,681 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 9,331 |
| Total interest expense | $436,000 | 9,361 |
| Net interest income | $654,000 | 9,213 |
| Provision for loan and lease losses | $257,000 | 3,176 |
| Total noninterest income | $5,000 | 9,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 8,577 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 9,680 |
| Total noninterest expense | $1,110,000 | 7,712 |
| Salaries and employee benefits | $450,000 | 8,498 |
| Premises and equipment expense | $135,000 | 7,833 |
| Additional noninterest expense | $525,000 | 6,244 |
| Pre-tax net operating income | $-708,000 | 9,638 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-708,000 | 9,661 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-708,000 | 9,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 207 |
| Net operating income | $-708,000 | 9,661 |
* 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.