Home > Boardwalk Bank > Income and Expense
Boardwalk Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,001,000 | 1,482 |
| Total interest expense | $15,899,000 | 1,252 |
| Net interest income | $13,102,000 | 1,729 |
| Provision for loan and lease losses | $521,000 | 2,269 |
| Total noninterest income | $1,247,000 | 3,065 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $458,000 | 3,253 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $789,000 | 2,573 |
| Total noninterest expense | $10,011,000 | 1,849 |
| Salaries and employee benefits | $5,750,000 | 1,757 |
| Premises and equipment expense | $1,679,000 | 1,588 |
| Additional noninterest expense | $2,582,000 | 2,125 |
| Pre-tax net operating income | $3,817,000 | 2,056 |
| Securities gains (losses) | $-1,667,000 | 8,451 |
| Applicable income taxes | $-11,000 | 7,796 |
| Income before extraordinary items | $2,161,000 | 2,663 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,161,000 | 2,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,321 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,828,000 | 1,646 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,849,000 | 1,483 |
| Total interest expense | $11,922,000 | 1,257 |
| Net interest income | $9,927,000 | 1,710 |
| Provision for loan and lease losses | $422,000 | 1,789 |
| Total noninterest income | $921,000 | 3,078 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $331,000 | 3,323 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $590,000 | 2,587 |
| Total noninterest expense | $7,435,000 | 1,840 |
| Salaries and employee benefits | $4,334,000 | 1,739 |
| Premises and equipment expense | $1,248,000 | 1,594 |
| Additional noninterest expense | $1,853,000 | 2,157 |
| Pre-tax net operating income | $2,991,000 | 2,112 |
| Securities gains (losses) | $-1,667,000 | 8,508 |
| Applicable income taxes | $-19,000 | 8,076 |
| Income before extraordinary items | $1,343,000 | 3,213 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,343,000 | 3,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,700 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,010,000 | 1,673 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,392,000 | 1,518 |
| Total interest expense | $7,896,000 | 1,270 |
| Net interest income | $6,496,000 | 1,768 |
| Provision for loan and lease losses | $422,000 | 1,186 |
| Total noninterest income | $569,000 | 3,275 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $206,000 | 3,454 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $363,000 | 2,711 |
| Total noninterest expense | $4,902,000 | 1,886 |
| Salaries and employee benefits | $2,877,000 | 1,781 |
| Premises and equipment expense | $842,000 | 1,595 |
| Additional noninterest expense | $1,183,000 | 2,241 |
| Pre-tax net operating income | $1,741,000 | 2,406 |
| Securities gains (losses) | $-1,667,000 | 8,574 |
| Applicable income taxes | $-207,000 | 8,468 |
| Income before extraordinary items | $281,000 | 5,794 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $281,000 | 5,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,510 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,948,000 | 1,765 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,094,000 | 1,528 |
| Total interest expense | $3,967,000 | 1,239 |
| Net interest income | $3,127,000 | 1,837 |
| Provision for loan and lease losses | $207,000 | 1,129 |
| Total noninterest income | $282,000 | 3,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $96,000 | 3,535 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $186,000 | 2,657 |
| Total noninterest expense | $2,403,000 | 1,928 |
| Salaries and employee benefits | $1,420,000 | 1,816 |
| Premises and equipment expense | $419,000 | 1,598 |
| Additional noninterest expense | $564,000 | 2,330 |
| Pre-tax net operating income | $799,000 | 2,561 |
| Securities gains (losses) | $-1,855,000 | 8,630 |
| Applicable income taxes | $-469,000 | 8,610 |
| Income before extraordinary items | $-587,000 | 8,548 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-587,000 | 8,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,465 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $600,200 | 2,612 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,600,000 | 1,499 |
| Total interest expense | $14,162,000 | 1,184 |
| Net interest income | $12,438,000 | 1,857 |
| Provision for loan and lease losses | $448,000 | 2,089 |
| Total noninterest income | $827,000 | 3,973 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $242,000 | 4,575 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $585,000 | 3,063 |
| Total noninterest expense | $8,670,000 | 2,036 |
| Salaries and employee benefits | $4,935,000 | 1,977 |
| Premises and equipment expense | $1,435,000 | 1,767 |
| Additional noninterest expense | $2,300,000 | 2,262 |
| Pre-tax net operating income | $4,147,000 | 2,197 |
| Securities gains (losses) | $-40,000 | 7,853 |
| Applicable income taxes | $1,034,000 | 2,149 |
| Income before extraordinary items | $3,073,000 | 2,234 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,073,000 | 2,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,465 |
| Cash dividends | $635,000 | 3,352 |
| Sale, conversion, retirement of capital stock, net | $1,315,000 | 459 |
| Net operating income | $3,103,000 | 2,212 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,528,000 | 1,522 |
| Total interest expense | $10,153,000 | 1,207 |
| Net interest income | $9,375,000 | 1,858 |
| Provision for loan and lease losses | $338,000 | 1,955 |
| Total noninterest income | $596,000 | 4,075 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $163,000 | 4,855 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $433,000 | 3,082 |
| Total noninterest expense | $6,423,000 | 2,055 |
| Salaries and employee benefits | $3,732,000 | 1,948 |
| Premises and equipment expense | $1,042,000 | 1,817 |
| Additional noninterest expense | $1,649,000 | 2,349 |
| Pre-tax net operating income | $3,210,000 | 2,208 |
| Securities gains (losses) | $-9,000 | 7,556 |
| Applicable income taxes | $852,000 | 2,105 |
| Income before extraordinary items | $2,349,000 | 2,262 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,349,000 | 2,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $635,000 | 2,577 |
| Sale, conversion, retirement of capital stock, net | $1,315,000 | 350 |
| Net operating income | $2,355,570 | 2,245 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,668,000 | 1,531 |
| Total interest expense | $6,381,000 | 1,227 |
| Net interest income | $6,287,000 | 1,849 |
| Provision for loan and lease losses | $263,000 | 1,691 |
| Total noninterest income | $386,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $103,000 | 4,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $283,000 | 3,118 |
| Total noninterest expense | $4,192,000 | 2,102 |
| Salaries and employee benefits | $2,434,000 | 2,005 |
| Premises and equipment expense | $660,000 | 1,907 |
| Additional noninterest expense | $1,098,000 | 2,352 |
| Pre-tax net operating income | $2,218,000 | 2,141 |
| Securities gains (losses) | $-9,000 | 7,829 |
| Applicable income taxes | $677,000 | 1,882 |
| Income before extraordinary items | $1,532,000 | 2,304 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,532,000 | 2,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $408,000 | 2,656 |
| Sale, conversion, retirement of capital stock, net | $1,315,000 | 245 |
| Net operating income | $1,538,210 | 2,282 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,140,000 | 1,547 |
| Total interest expense | $3,017,000 | 1,232 |
| Net interest income | $3,123,000 | 1,850 |
| Provision for loan and lease losses | $171,000 | 1,287 |
| Total noninterest income | $178,000 | 4,231 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $50,000 | 4,949 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $128,000 | 3,265 |
| Total noninterest expense | $2,045,000 | 2,165 |
| Salaries and employee benefits | $1,192,000 | 2,064 |
| Premises and equipment expense | $322,000 | 1,967 |
| Additional noninterest expense | $531,000 | 2,415 |
| Pre-tax net operating income | $1,085,000 | 2,141 |
| Securities gains (losses) | $-9,000 | 8,219 |
| Applicable income taxes | $314,000 | 1,961 |
| Income before extraordinary items | $762,000 | 2,290 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $762,000 | 2,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $185,000 | 2,512 |
| Sale, conversion, retirement of capital stock, net | $534,000 | 176 |
| Net operating income | $768,390 | 2,256 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,977,000 | 1,779 |
| Total interest expense | $8,492,000 | 1,337 |
| Net interest income | $10,485,000 | 2,118 |
| Provision for loan and lease losses | $673,000 | 1,487 |
| Total noninterest income | $713,000 | 4,318 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $153,000 | 5,584 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $560,000 | 3,183 |
| Total noninterest expense | $6,691,000 | 2,488 |
| Salaries and employee benefits | $3,835,000 | 2,384 |
| Premises and equipment expense | $1,039,000 | 2,288 |
| Additional noninterest expense | $1,817,000 | 2,734 |
| Pre-tax net operating income | $3,834,000 | 2,288 |
| Securities gains (losses) | $-24,000 | 7,910 |
| Applicable income taxes | $1,210,000 | 1,996 |
| Income before extraordinary items | $2,600,000 | 2,520 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,600,000 | 2,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,815 |
| Cash dividends | $478,000 | 3,744 |
| Sale, conversion, retirement of capital stock, net | $7,007,000 | 257 |
| Net operating income | $2,616,320 | 2,472 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,438,000 | 1,832 |
| Total interest expense | $5,854,000 | 1,372 |
| Net interest income | $7,584,000 | 2,174 |
| Provision for loan and lease losses | $548,000 | 1,293 |
| Total noninterest income | $527,000 | 4,398 |
| 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 | $418,000 | 3,201 |
| Total noninterest expense | $4,840,000 | 2,548 |
| Salaries and employee benefits | $2,782,000 | 2,421 |
| Premises and equipment expense | $720,000 | 2,444 |
| Additional noninterest expense | $1,338,000 | 2,750 |
| Pre-tax net operating income | $2,723,000 | 2,408 |
| Securities gains (losses) | $-31,000 | 8,339 |
| Applicable income taxes | $851,000 | 2,113 |
| Income before extraordinary items | $1,841,000 | 2,653 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,841,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,559 |
| Cash dividends | $324,000 | 3,414 |
| Sale, conversion, retirement of capital stock, net | $6,991,000 | 183 |
| Net operating income | $1,862,080 | 2,588 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,493,000 | 1,885 |
| Total interest expense | $3,572,000 | 1,407 |
| Net interest income | $4,921,000 | 2,200 |
| Provision for loan and lease losses | $521,000 | 943 |
| Total noninterest income | $322,000 | 4,603 |
| 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 | $255,000 | 3,342 |
| Total noninterest expense | $3,082,000 | 2,632 |
| Salaries and employee benefits | $1,733,000 | 2,568 |
| Premises and equipment expense | $458,000 | 2,533 |
| Additional noninterest expense | $891,000 | 2,735 |
| Pre-tax net operating income | $1,640,000 | 2,564 |
| Securities gains (losses) | $-21,000 | 8,378 |
| Applicable income taxes | $508,000 | 2,259 |
| Income before extraordinary items | $1,111,000 | 2,848 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,111,000 | 2,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $171,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $6,897,000 | 120 |
| Net operating income | $1,125,490 | 2,772 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,986,000 | 1,950 |
| Total interest expense | $1,645,000 | 1,452 |
| Net interest income | $2,341,000 | 2,295 |
| Provision for loan and lease losses | $172,000 | 1,275 |
| Total noninterest income | $149,000 | 4,728 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $32,000 | 5,874 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $117,000 | 3,447 |
| Total noninterest expense | $1,564,000 | 2,608 |
| Salaries and employee benefits | $856,000 | 2,614 |
| Premises and equipment expense | $221,000 | 2,633 |
| Additional noninterest expense | $487,000 | 2,499 |
| Pre-tax net operating income | $754,000 | 2,692 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $236,000 | 2,352 |
| Income before extraordinary items | $520,000 | 2,961 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $520,000 | 2,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $79,000 | 3,146 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 314 |
| Net operating income | $518,620 | 2,925 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,750,000 | 2,248 |
| Total interest expense | $5,053,000 | 1,621 |
| Net interest income | $7,697,000 | 2,617 |
| Provision for loan and lease losses | $248,000 | 3,273 |
| Total noninterest income | $554,000 | 5,017 |
| 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 | $444,000 | 3,530 |
| Total noninterest expense | $5,026,000 | 3,106 |
| Salaries and employee benefits | $2,864,000 | 2,958 |
| Premises and equipment expense | $764,000 | 2,906 |
| Additional noninterest expense | $1,398,000 | 3,301 |
| Pre-tax net operating income | $2,977,000 | 2,608 |
| Securities gains (losses) | $75,000 | 1,443 |
| Applicable income taxes | $981,000 | 2,188 |
| Income before extraordinary items | $2,071,000 | 2,822 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,071,000 | 2,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-455,000 | 8,938 |
| Cash dividends | $241,000 | 4,656 |
| Sale, conversion, retirement of capital stock, net | $754,000 | 424 |
| Net operating income | $2,020,000 | 2,830 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,075,000 | 2,344 |
| Total interest expense | $3,523,000 | 1,714 |
| Net interest income | $5,552,000 | 2,701 |
| Provision for loan and lease losses | $132,000 | 3,832 |
| Total noninterest income | $414,000 | 5,050 |
| 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 | $335,000 | 3,523 |
| Total noninterest expense | $3,735,000 | 3,094 |
| Salaries and employee benefits | $2,136,000 | 2,955 |
| Premises and equipment expense | $555,000 | 2,973 |
| Additional noninterest expense | $1,044,000 | 3,297 |
| Pre-tax net operating income | $2,099,000 | 2,765 |
| Securities gains (losses) | $75,000 | 1,373 |
| Applicable income taxes | $740,000 | 2,227 |
| Income before extraordinary items | $1,434,000 | 3,069 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,434,000 | 3,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-306,000 | 8,950 |
| Cash dividends | $241,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $221,000 | 430 |
| Net operating income | $1,384,500 | 3,093 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,598,000 | 2,497 |
| Total interest expense | $2,080,000 | 1,906 |
| Net interest income | $3,518,000 | 2,831 |
| Provision for loan and lease losses | $57,000 | 4,557 |
| Total noninterest income | $258,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $50,000 | 6,543 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $208,000 | 3,654 |
| Total noninterest expense | $2,368,000 | 3,261 |
| Salaries and employee benefits | $1,354,000 | 3,116 |
| Premises and equipment expense | $354,000 | 3,094 |
| Additional noninterest expense | $660,000 | 3,456 |
| Pre-tax net operating income | $1,351,000 | 2,811 |
| Securities gains (losses) | $26,000 | 1,881 |
| Applicable income taxes | $465,000 | 2,316 |
| Income before extraordinary items | $912,000 | 3,171 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $912,000 | 3,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-212,000 | 8,991 |
| Cash dividends | $241,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $176,000 | 352 |
| Net operating income | $894,840 | 3,145 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,689,000 | 2,599 |
| Total interest expense | $976,000 | 2,040 |
| Net interest income | $1,713,000 | 2,904 |
| Provision for loan and lease losses | $57,000 | 3,144 |
| Total noninterest income | $108,000 | 5,602 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $22,000 | 6,668 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $86,000 | 4,023 |
| Total noninterest expense | $1,135,000 | 3,401 |
| Salaries and employee benefits | $652,000 | 3,218 |
| Premises and equipment expense | $169,000 | 3,259 |
| Additional noninterest expense | $314,000 | 3,608 |
| Pre-tax net operating income | $629,000 | 2,963 |
| Securities gains (losses) | $42,000 | 1,294 |
| Applicable income taxes | $248,000 | 2,216 |
| Income before extraordinary items | $423,000 | 3,358 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $423,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-82,000 | 8,938 |
| Cash dividends | $241,000 | 1,995 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 219 |
| Net operating income | $396,120 | 3,429 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,139,000 | 3,074 |
| Total interest expense | $3,396,000 | 2,567 |
| Net interest income | $5,743,000 | 3,293 |
| Provision for loan and lease losses | $599,000 | 1,882 |
| Total noninterest income | $504,000 | 5,412 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $82,000 | 6,865 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $422,000 | 3,874 |
| Total noninterest expense | $3,609,000 | 4,006 |
| Salaries and employee benefits | $2,132,000 | 3,726 |
| Premises and equipment expense | $455,000 | 4,339 |
| Additional noninterest expense | $1,022,000 | 4,200 |
| Pre-tax net operating income | $2,039,000 | 3,357 |
| Securities gains (losses) | $233,000 | 1,229 |
| Applicable income taxes | $848,000 | 2,429 |
| Income before extraordinary items | $1,424,000 | 3,688 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,424,000 | 3,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $457,000 | 1,721 |
| Cash dividends | $91,000 | 5,634 |
| Sale, conversion, retirement of capital stock, net | $11,401,000 | 69 |
| Net operating income | $1,274,880 | 3,808 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,540,000 | 3,240 |
| Total interest expense | $2,465,000 | 2,721 |
| Net interest income | $4,075,000 | 3,474 |
| Provision for loan and lease losses | $469,000 | 1,756 |
| Total noninterest income | $405,000 | 5,280 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $59,000 | 6,981 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $346,000 | 3,795 |
| Total noninterest expense | $2,569,000 | 4,169 |
| Salaries and employee benefits | $1,550,000 | 3,806 |
| Premises and equipment expense | $292,000 | 4,808 |
| Additional noninterest expense | $727,000 | 4,350 |
| Pre-tax net operating income | $1,442,000 | 3,598 |
| Securities gains (losses) | $146,000 | 1,440 |
| Applicable income taxes | $589,000 | 2,706 |
| Income before extraordinary items | $999,000 | 3,982 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $999,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 1,216 |
| Cash dividends | $91,000 | 4,811 |
| Sale, conversion, retirement of capital stock, net | $11,276,000 | 48 |
| Net operating income | $905,560 | 4,088 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,242,000 | 3,328 |
| Total interest expense | $1,661,000 | 2,770 |
| Net interest income | $2,581,000 | 3,612 |
| Provision for loan and lease losses | $284,000 | 1,938 |
| Total noninterest income | $249,000 | 5,468 |
| 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 | $212,000 | 3,938 |
| Total noninterest expense | $1,667,000 | 4,269 |
| Salaries and employee benefits | $988,000 | 3,958 |
| Premises and equipment expense | $172,000 | 5,198 |
| Additional noninterest expense | $507,000 | 4,201 |
| Pre-tax net operating income | $879,000 | 3,810 |
| Securities gains (losses) | $148,000 | 1,234 |
| Applicable income taxes | $381,000 | 2,789 |
| Income before extraordinary items | $646,000 | 4,081 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $646,000 | 4,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $91,000 | 4,375 |
| Sale, conversion, retirement of capital stock, net | $11,276,000 | 34 |
| Net operating income | $551,280 | 4,320 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,952,000 | 3,597 |
| Total interest expense | $804,000 | 2,930 |
| Net interest income | $1,148,000 | 3,960 |
| Provision for loan and lease losses | $195,000 | 1,399 |
| Total noninterest income | $110,000 | 5,671 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $95,000 | 4,025 |
| Total noninterest expense | $820,000 | 4,288 |
| Salaries and employee benefits | $487,000 | 3,986 |
| Premises and equipment expense | $82,000 | 5,357 |
| Additional noninterest expense | $251,000 | 4,205 |
| Pre-tax net operating income | $243,000 | 5,360 |
| Securities gains (losses) | $82,000 | 1,111 |
| Applicable income taxes | $114,000 | 3,720 |
| Income before extraordinary items | $211,000 | 5,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $91,000 | 3,042 |
| Sale, conversion, retirement of capital stock, net | $11,350,000 | 15 |
| Net operating income | $157,700 | 5,717 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,172,000 | 3,971 |
| Total interest expense | $3,134,000 | 3,424 |
| Net interest income | $4,038,000 | 4,316 |
| Provision for loan and lease losses | $424,000 | 2,711 |
| Total noninterest income | $216,000 | 7,152 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $55,000 | 7,443 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $161,000 | 5,459 |
| Total noninterest expense | $2,847,000 | 4,635 |
| Salaries and employee benefits | $1,567,000 | 4,526 |
| Premises and equipment expense | $408,000 | 4,575 |
| Additional noninterest expense | $872,000 | 4,642 |
| Pre-tax net operating income | $983,000 | 5,249 |
| Securities gains (losses) | $375,000 | 782 |
| Applicable income taxes | $20,000 | 7,048 |
| Income before extraordinary items | $1,338,000 | 3,811 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,338,000 | 3,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 9,072 |
| Cash dividends | $61,000 | 5,864 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 853 |
| Net operating income | $966,750 | 4,568 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,775,000 | 5,107 |
| Total interest expense | $3,086,000 | 4,617 |
| Net interest income | $2,689,000 | 5,476 |
| Provision for loan and lease losses | $428,000 | 2,477 |
| Total noninterest income | $103,000 | 8,463 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $39,000 | 7,812 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $64,000 | 7,283 |
| Total noninterest expense | $2,455,000 | 5,013 |
| Salaries and employee benefits | $1,291,000 | 5,057 |
| Premises and equipment expense | $423,000 | 4,417 |
| Additional noninterest expense | $741,000 | 5,058 |
| Pre-tax net operating income | $-91,000 | 8,856 |
| Securities gains (losses) | $541,000 | 583 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $450,000 | 6,307 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $450,000 | 6,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,333 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 717 |
| Net operating income | $-91,000 | 8,889 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,897,000 | 6,564 |
| Total interest expense | $2,255,000 | 5,900 |
| Net interest income | $1,642,000 | 7,226 |
| Provision for loan and lease losses | $290,000 | 2,935 |
| Total noninterest income | $35,000 | 9,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 8,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 8,999 |
| Total noninterest expense | $2,022,000 | 5,644 |
| Salaries and employee benefits | $1,038,000 | 5,777 |
| Premises and equipment expense | $378,000 | 4,682 |
| Additional noninterest expense | $606,000 | 5,755 |
| Pre-tax net operating income | $-635,000 | 9,606 |
| Securities gains (losses) | $46,000 | 727 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-589,000 | 9,617 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-589,000 | 9,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,027 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-635,000 | 9,631 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $770,000 | 9,796 |
| Total interest expense | $256,000 | 9,861 |
| Net interest income | $514,000 | 9,663 |
| Provision for loan and lease losses | $213,000 | 3,422 |
| Total noninterest income | $2,000 | 10,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 8,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $1,422,000 | 6,987 |
| Salaries and employee benefits | $494,000 | 8,370 |
| Premises and equipment expense | $147,000 | 7,713 |
| Additional noninterest expense | $781,000 | 4,886 |
| Pre-tax net operating income | $-1,119,000 | 10,078 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,119,000 | 10,098 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,119,000 | 10,097 |
| 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 | $11,753,000 | 57 |
| Net operating income | $-1,119,000 | 10,089 |
* 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.