Home > Brighton Commerce Bank > Income and Expense
Brighton Commerce Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,017,000 | 4,481 |
| Total interest expense | $2,926,000 | 4,326 |
| Net interest income | $4,091,000 | 4,522 |
| Provision for loan and lease losses | $559,000 | 3,641 |
| Total noninterest income | $289,000 | 5,889 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $175,000 | 5,032 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $114,000 | 5,743 |
| Total noninterest expense | $3,248,000 | 4,864 |
| Salaries and employee benefits | $1,285,000 | 5,783 |
| Premises and equipment expense | $472,000 | 4,621 |
| Additional noninterest expense | $1,491,000 | 3,630 |
| Pre-tax net operating income | $573,000 | 4,675 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $203,000 | 2,795 |
| Income before extraordinary items | $370,000 | 4,847 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $370,000 | 4,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 4,145 |
| Cash dividends | $573,000 | 3,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $370,000 | 5,019 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,365,000 | 4,487 |
| Total interest expense | $2,269,000 | 4,346 |
| Net interest income | $3,096,000 | 4,526 |
| Provision for loan and lease losses | $408,000 | 3,046 |
| Total noninterest income | $217,000 | 5,957 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $132,000 | 5,067 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $85,000 | 5,873 |
| Total noninterest expense | $2,369,000 | 4,932 |
| Salaries and employee benefits | $1,001,000 | 5,688 |
| Premises and equipment expense | $353,000 | 4,635 |
| Additional noninterest expense | $1,015,000 | 3,823 |
| Pre-tax net operating income | $536,000 | 4,826 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $188,000 | 2,981 |
| Income before extraordinary items | $348,000 | 5,002 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $348,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 3,218 |
| Cash dividends | $573,000 | 2,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $348,000 | 5,163 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,651,000 | 4,491 |
| Total interest expense | $1,607,000 | 4,314 |
| Net interest income | $2,044,000 | 4,546 |
| Provision for loan and lease losses | $-4,000 | 8,316 |
| Total noninterest income | $141,000 | 6,086 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $85,000 | 5,148 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $56,000 | 5,955 |
| Total noninterest expense | $1,527,000 | 5,071 |
| Salaries and employee benefits | $661,000 | 5,762 |
| Premises and equipment expense | $243,000 | 4,586 |
| Additional noninterest expense | $623,000 | 4,065 |
| Pre-tax net operating income | $662,000 | 3,807 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $228,000 | 2,535 |
| Income before extraordinary items | $434,000 | 4,312 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $434,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,297 |
| Cash dividends | $382,000 | 2,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $434,000 | 4,248 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,843,000 | 4,561 |
| Total interest expense | $868,000 | 4,288 |
| Net interest income | $975,000 | 4,704 |
| Provision for loan and lease losses | $11,000 | 5,386 |
| Total noninterest income | $73,000 | 6,039 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $39,000 | 5,270 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $34,000 | 5,717 |
| Total noninterest expense | $728,000 | 5,233 |
| Salaries and employee benefits | $313,000 | 5,968 |
| Premises and equipment expense | $125,000 | 4,513 |
| Additional noninterest expense | $290,000 | 4,222 |
| Pre-tax net operating income | $309,000 | 4,081 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $106,000 | 2,723 |
| Income before extraordinary items | $203,000 | 4,625 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $203,000 | 4,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $191,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $203,000 | 4,535 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,961,000 | 4,374 |
| Total interest expense | $3,820,000 | 4,125 |
| Net interest income | $4,141,000 | 4,519 |
| Provision for loan and lease losses | $22,000 | 6,287 |
| Total noninterest income | $346,000 | 5,770 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $148,000 | 5,446 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $198,000 | 5,077 |
| Total noninterest expense | $3,513,000 | 4,503 |
| Salaries and employee benefits | $1,813,000 | 4,726 |
| Premises and equipment expense | $472,000 | 4,537 |
| Additional noninterest expense | $1,228,000 | 4,017 |
| Pre-tax net operating income | $952,000 | 4,829 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $331,000 | 3,257 |
| Income before extraordinary items | $621,000 | 5,279 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $621,000 | 5,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,625 |
| Cash dividends | $1,600,000 | 1,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $621,000 | 5,269 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,911,000 | 4,414 |
| Total interest expense | $2,848,000 | 4,145 |
| Net interest income | $3,063,000 | 4,584 |
| Provision for loan and lease losses | $21,000 | 5,805 |
| Total noninterest income | $255,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $110,000 | 5,476 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $145,000 | 5,158 |
| Total noninterest expense | $2,600,000 | 4,528 |
| Salaries and employee benefits | $1,352,000 | 4,710 |
| Premises and equipment expense | $351,000 | 4,538 |
| Additional noninterest expense | $897,000 | 4,023 |
| Pre-tax net operating income | $697,000 | 5,121 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $242,000 | 3,462 |
| Income before extraordinary items | $455,000 | 5,557 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $455,000 | 5,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $1,200,000 | 1,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $455,000 | 5,544 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 4,485 |
| Total interest expense | $1,888,000 | 4,166 |
| Net interest income | $1,988,000 | 4,678 |
| Provision for loan and lease losses | $-21,000 | 8,388 |
| Total noninterest income | $193,000 | 5,639 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $71,000 | 5,561 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $122,000 | 4,722 |
| Total noninterest expense | $1,730,000 | 4,554 |
| Salaries and employee benefits | $895,000 | 4,779 |
| Premises and equipment expense | $237,000 | 4,530 |
| Additional noninterest expense | $598,000 | 4,017 |
| Pre-tax net operating income | $472,000 | 5,160 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $163,000 | 3,535 |
| Income before extraordinary items | $309,000 | 5,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $309,000 | 5,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $800,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $309,000 | 5,568 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,896,000 | 4,551 |
| Total interest expense | $938,000 | 4,165 |
| Net interest income | $958,000 | 4,808 |
| Provision for loan and lease losses | $-46,000 | 8,506 |
| Total noninterest income | $64,000 | 6,402 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $33,000 | 5,642 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $31,000 | 5,926 |
| Total noninterest expense | $852,000 | 4,600 |
| Salaries and employee benefits | $441,000 | 4,846 |
| Premises and equipment expense | $120,000 | 4,509 |
| Additional noninterest expense | $291,000 | 4,057 |
| Pre-tax net operating income | $216,000 | 5,355 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $74,000 | 3,685 |
| Income before extraordinary items | $142,000 | 5,756 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $142,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $400,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $142,000 | 5,740 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,578,000 | 4,343 |
| Total interest expense | $3,418,000 | 3,981 |
| Net interest income | $4,160,000 | 4,551 |
| Provision for loan and lease losses | $13,000 | 6,485 |
| Total noninterest income | $312,000 | 6,099 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $142,000 | 5,621 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $170,000 | 5,407 |
| Total noninterest expense | $3,169,000 | 4,706 |
| Salaries and employee benefits | $1,633,000 | 4,918 |
| Premises and equipment expense | $466,000 | 4,461 |
| Additional noninterest expense | $1,070,000 | 4,300 |
| Pre-tax net operating income | $1,290,000 | 4,633 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $445,000 | 3,305 |
| Income before extraordinary items | $845,000 | 5,093 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $845,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $1,000,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $845,000 | 5,082 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,631,000 | 4,349 |
| Total interest expense | $2,480,000 | 3,970 |
| Net interest income | $3,151,000 | 4,553 |
| Provision for loan and lease losses | $14,000 | 6,239 |
| Total noninterest income | $216,000 | 6,314 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $105,000 | 5,716 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $111,000 | 5,644 |
| Total noninterest expense | $2,371,000 | 4,700 |
| Salaries and employee benefits | $1,224,000 | 4,903 |
| Premises and equipment expense | $351,000 | 4,457 |
| Additional noninterest expense | $796,000 | 4,282 |
| Pre-tax net operating income | $982,000 | 4,756 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $339,000 | 3,417 |
| Income before extraordinary items | $643,000 | 5,193 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $643,000 | 5,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $750,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $643,000 | 5,187 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,672,000 | 4,361 |
| Total interest expense | $1,570,000 | 3,990 |
| Net interest income | $2,102,000 | 4,562 |
| Provision for loan and lease losses | $15,000 | 5,732 |
| Total noninterest income | $146,000 | 6,279 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 5,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $78,000 | 5,602 |
| Total noninterest expense | $1,573,000 | 4,739 |
| Salaries and employee benefits | $824,000 | 4,901 |
| Premises and equipment expense | $232,000 | 4,479 |
| Additional noninterest expense | $517,000 | 4,368 |
| Pre-tax net operating income | $660,000 | 4,755 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $227,000 | 3,448 |
| Income before extraordinary items | $433,000 | 5,205 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $433,000 | 5,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $433,000 | 5,207 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,819,000 | 4,352 |
| Total interest expense | $755,000 | 3,977 |
| Net interest income | $1,064,000 | 4,526 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $73,000 | 6,246 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $34,000 | 5,706 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $39,000 | 5,582 |
| Total noninterest expense | $801,000 | 4,685 |
| Salaries and employee benefits | $436,000 | 4,747 |
| Premises and equipment expense | $116,000 | 4,522 |
| Additional noninterest expense | $249,000 | 4,494 |
| Pre-tax net operating income | $321,000 | 4,788 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $110,000 | 3,471 |
| Income before extraordinary items | $211,000 | 5,240 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $211,000 | 5,233 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,880,000 | 4,203 |
| Total interest expense | $2,434,000 | 3,900 |
| Net interest income | $4,446,000 | 4,296 |
| Provision for loan and lease losses | $36,000 | 6,047 |
| Total noninterest income | $388,000 | 5,784 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $139,000 | 5,751 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $249,000 | 4,734 |
| Total noninterest expense | $3,128,000 | 4,635 |
| Salaries and employee benefits | $1,635,000 | 4,786 |
| Premises and equipment expense | $448,000 | 4,505 |
| Additional noninterest expense | $1,045,000 | 4,276 |
| Pre-tax net operating income | $1,670,000 | 4,125 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $573,000 | 3,152 |
| Income before extraordinary items | $1,097,000 | 4,570 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,097,000 | 4,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,005 |
| Cash dividends | $800,000 | 2,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,097,000 | 4,533 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,125,000 | 4,165 |
| Total interest expense | $1,769,000 | 3,850 |
| Net interest income | $3,356,000 | 4,284 |
| Provision for loan and lease losses | $36,000 | 5,642 |
| Total noninterest income | $298,000 | 5,775 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $105,000 | 5,772 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $193,000 | 4,673 |
| Total noninterest expense | $2,345,000 | 4,623 |
| Salaries and employee benefits | $1,240,000 | 4,728 |
| Premises and equipment expense | $339,000 | 4,458 |
| Additional noninterest expense | $766,000 | 4,326 |
| Pre-tax net operating income | $1,273,000 | 4,164 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $437,000 | 3,175 |
| Income before extraordinary items | $836,000 | 4,641 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $836,000 | 4,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,195 |
| Cash dividends | $600,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $836,000 | 4,602 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,348,000 | 4,160 |
| Total interest expense | $1,125,000 | 3,803 |
| Net interest income | $2,223,000 | 4,271 |
| Provision for loan and lease losses | $36,000 | 4,958 |
| Total noninterest income | $184,000 | 5,922 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $69,000 | 5,752 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $115,000 | 4,902 |
| Total noninterest expense | $1,520,000 | 4,688 |
| Salaries and employee benefits | $805,000 | 4,789 |
| Premises and equipment expense | $221,000 | 4,481 |
| Additional noninterest expense | $494,000 | 4,417 |
| Pre-tax net operating income | $851,000 | 4,143 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $292,000 | 3,148 |
| Income before extraordinary items | $559,000 | 4,606 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $559,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,414 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $559,000 | 4,552 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,606,000 | 4,267 |
| Total interest expense | $520,000 | 3,919 |
| Net interest income | $1,086,000 | 4,368 |
| Provision for loan and lease losses | $20,000 | 4,626 |
| Total noninterest income | $94,000 | 5,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $33,000 | 5,810 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,744 |
| Total noninterest expense | $742,000 | 4,782 |
| Salaries and employee benefits | $396,000 | 4,872 |
| Premises and equipment expense | $110,000 | 4,551 |
| Additional noninterest expense | $236,000 | 4,552 |
| Pre-tax net operating income | $418,000 | 4,144 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $143,000 | 3,181 |
| Income before extraordinary items | $275,000 | 4,608 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $275,000 | 4,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $275,000 | 4,562 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,840,000 | 4,341 |
| Total interest expense | $1,584,000 | 4,368 |
| Net interest income | $4,256,000 | 4,293 |
| Provision for loan and lease losses | $174,000 | 4,012 |
| Total noninterest income | $418,000 | 5,696 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $135,000 | 5,973 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $283,000 | 4,372 |
| Total noninterest expense | $2,840,000 | 4,857 |
| Salaries and employee benefits | $1,427,000 | 5,114 |
| Premises and equipment expense | $491,000 | 4,145 |
| Additional noninterest expense | $922,000 | 4,615 |
| Pre-tax net operating income | $1,660,000 | 3,991 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $569,000 | 3,127 |
| Income before extraordinary items | $1,091,000 | 4,465 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,091,000 | 4,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $800,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,091,000 | 4,391 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,254,000 | 4,411 |
| Total interest expense | $1,134,000 | 4,457 |
| Net interest income | $3,120,000 | 4,359 |
| Provision for loan and lease losses | $101,000 | 4,252 |
| Total noninterest income | $323,000 | 5,665 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $102,000 | 6,016 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $221,000 | 4,315 |
| Total noninterest expense | $2,136,000 | 4,790 |
| Salaries and employee benefits | $1,076,000 | 5,047 |
| Premises and equipment expense | $374,000 | 4,078 |
| Additional noninterest expense | $686,000 | 4,605 |
| Pre-tax net operating income | $1,206,000 | 4,143 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $412,000 | 3,245 |
| Income before extraordinary items | $794,000 | 4,646 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $794,000 | 4,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $600,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $794,000 | 4,557 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,785,000 | 4,476 |
| Total interest expense | $750,000 | 4,480 |
| Net interest income | $2,035,000 | 4,420 |
| Provision for loan and lease losses | $61,000 | 4,254 |
| Total noninterest income | $226,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $66,000 | 6,081 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $160,000 | 4,180 |
| Total noninterest expense | $1,432,000 | 4,799 |
| Salaries and employee benefits | $708,000 | 5,124 |
| Premises and equipment expense | $251,000 | 4,062 |
| Additional noninterest expense | $473,000 | 4,515 |
| Pre-tax net operating income | $768,000 | 4,214 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $263,000 | 3,306 |
| Income before extraordinary items | $505,000 | 4,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $505,000 | 4,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $400,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $505,000 | 4,621 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,351,000 | 4,594 |
| Total interest expense | $375,000 | 4,503 |
| Net interest income | $976,000 | 4,557 |
| Provision for loan and lease losses | $36,000 | 3,870 |
| Total noninterest income | $103,000 | 5,713 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $72,000 | 4,381 |
| Total noninterest expense | $705,000 | 4,893 |
| Salaries and employee benefits | $340,000 | 5,296 |
| Premises and equipment expense | $128,000 | 4,030 |
| Additional noninterest expense | $237,000 | 4,492 |
| Pre-tax net operating income | $338,000 | 4,526 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $116,000 | 3,541 |
| Income before extraordinary items | $222,000 | 5,068 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $222,000 | 5,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $200,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $222,000 | 4,937 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,144,000 | 4,795 |
| Total interest expense | $1,540,000 | 4,795 |
| Net interest income | $3,604,000 | 4,696 |
| Provision for loan and lease losses | $-56,000 | 8,996 |
| Total noninterest income | $623,000 | 4,859 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $140,000 | 5,993 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $483,000 | 3,645 |
| Total noninterest expense | $2,605,000 | 5,073 |
| Salaries and employee benefits | $1,239,000 | 5,522 |
| Premises and equipment expense | $451,000 | 4,361 |
| Additional noninterest expense | $915,000 | 4,563 |
| Pre-tax net operating income | $1,678,000 | 3,816 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $574,000 | 3,145 |
| Income before extraordinary items | $1,104,000 | 4,366 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,104,000 | 4,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,104,000 | 4,189 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,830,000 | 4,875 |
| Total interest expense | $1,166,000 | 4,903 |
| Net interest income | $2,664,000 | 4,758 |
| Provision for loan and lease losses | $-103,000 | 9,139 |
| Total noninterest income | $524,000 | 4,619 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $107,000 | 5,992 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $417,000 | 3,452 |
| Total noninterest expense | $1,934,000 | 5,098 |
| Salaries and employee benefits | $921,000 | 5,521 |
| Premises and equipment expense | $340,000 | 4,345 |
| Additional noninterest expense | $673,000 | 4,601 |
| Pre-tax net operating income | $1,357,000 | 3,747 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $464,000 | 3,159 |
| Income before extraordinary items | $893,000 | 4,310 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $893,000 | 4,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $375,000 | 3,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $893,000 | 4,148 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,572,000 | 4,894 |
| Total interest expense | $786,000 | 4,979 |
| Net interest income | $1,786,000 | 4,738 |
| Provision for loan and lease losses | $-105,000 | 9,195 |
| Total noninterest income | $295,000 | 5,032 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $68,000 | 6,077 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $227,000 | 3,795 |
| Total noninterest expense | $1,271,000 | 5,134 |
| Salaries and employee benefits | $599,000 | 5,622 |
| Premises and equipment expense | $228,000 | 4,335 |
| Additional noninterest expense | $444,000 | 4,638 |
| Pre-tax net operating income | $915,000 | 3,716 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $313,000 | 3,162 |
| Income before extraordinary items | $602,000 | 4,287 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $602,000 | 4,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $250,000 | 3,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $602,000 | 4,080 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,245,000 | 5,029 |
| Total interest expense | $391,000 | 5,105 |
| Net interest income | $854,000 | 4,858 |
| Provision for loan and lease losses | $-130,000 | 9,276 |
| Total noninterest income | $129,000 | 5,276 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $95,000 | 4,025 |
| Total noninterest expense | $627,000 | 5,198 |
| Salaries and employee benefits | $292,000 | 5,706 |
| Premises and equipment expense | $115,000 | 4,305 |
| Additional noninterest expense | $220,000 | 4,630 |
| Pre-tax net operating income | $486,000 | 3,573 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $166,000 | 3,033 |
| Income before extraordinary items | $320,000 | 4,065 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $320,000 | 4,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $125,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $320,000 | 3,868 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,151,000 | 5,076 |
| Total interest expense | $1,721,000 | 5,285 |
| Net interest income | $3,430,000 | 4,820 |
| Provision for loan and lease losses | $119,000 | 5,449 |
| Total noninterest income | $538,000 | 5,015 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $126,000 | 6,161 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $412,000 | 3,649 |
| Total noninterest expense | $2,371,000 | 5,266 |
| Salaries and employee benefits | $1,146,000 | 5,650 |
| Premises and equipment expense | $422,000 | 4,460 |
| Additional noninterest expense | $803,000 | 4,913 |
| Pre-tax net operating income | $1,478,000 | 4,161 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $505,000 | 3,423 |
| Income before extraordinary items | $973,000 | 4,673 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $973,000 | 4,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $973,000 | 4,548 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,281,000 | 5,436 |
| Total interest expense | $2,495,000 | 5,409 |
| Net interest income | $2,786,000 | 5,332 |
| Provision for loan and lease losses | $130,000 | 5,052 |
| Total noninterest income | $327,000 | 6,184 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $118,000 | 6,280 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $209,000 | 4,833 |
| Total noninterest expense | $2,077,000 | 5,603 |
| Salaries and employee benefits | $905,000 | 6,347 |
| Premises and equipment expense | $405,000 | 4,560 |
| Additional noninterest expense | $767,000 | 4,929 |
| Pre-tax net operating income | $906,000 | 5,171 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $309,000 | 4,203 |
| Income before extraordinary items | $597,000 | 5,645 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $597,000 | 5,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $225,000 | 4,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $597,000 | 5,512 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,063,000 | 5,688 |
| Total interest expense | $2,439,000 | 5,641 |
| Net interest income | $2,624,000 | 5,633 |
| Provision for loan and lease losses | $135,000 | 4,606 |
| Total noninterest income | $264,000 | 6,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 6,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,110 |
| Total noninterest expense | $1,927,000 | 5,808 |
| Salaries and employee benefits | $786,000 | 6,800 |
| Premises and equipment expense | $411,000 | 4,426 |
| Additional noninterest expense | $730,000 | 5,032 |
| Pre-tax net operating income | $826,000 | 5,783 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $174,000 | 5,672 |
| Income before extraordinary items | $652,000 | 5,610 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $652,000 | 5,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $652,000 | 5,619 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,947,000 | 6,417 |
| Total interest expense | $1,691,000 | 6,563 |
| Net interest income | $2,256,000 | 6,171 |
| Provision for loan and lease losses | $168,000 | 4,004 |
| Total noninterest income | $281,000 | 6,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 4,785 |
| Total noninterest expense | $1,692,000 | 6,316 |
| Salaries and employee benefits | $717,000 | 7,152 |
| Premises and equipment expense | $354,000 | 4,940 |
| Additional noninterest expense | $621,000 | 5,700 |
| Pre-tax net operating income | $677,000 | 6,399 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $45,000 | 7,725 |
| Income before extraordinary items | $632,000 | 5,750 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $632,000 | 5,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,123 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $632,000 | 5,716 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,569,000 | 8,025 |
| Total interest expense | $1,245,000 | 7,798 |
| Net interest income | $1,324,000 | 8,063 |
| Provision for loan and lease losses | $202,000 | 3,487 |
| Total noninterest income | $246,000 | 7,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,242 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 4,908 |
| Total noninterest expense | $1,438,000 | 6,859 |
| Salaries and employee benefits | $604,000 | 7,741 |
| Premises and equipment expense | $331,000 | 5,072 |
| Additional noninterest expense | $503,000 | 6,413 |
| Pre-tax net operating income | $-70,000 | 9,896 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-70,000 | 9,929 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-70,000 | 9,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-70,000 | 9,890 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $747,000 | 10,523 |
| Total interest expense | $363,000 | 10,411 |
| Net interest income | $384,000 | 10,573 |
| Provision for loan and lease losses | $139,000 | 4,319 |
| Total noninterest income | $15,000 | 10,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 9,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,520 |
| Total noninterest expense | $1,038,000 | 8,218 |
| Salaries and employee benefits | $357,000 | 9,548 |
| Premises and equipment expense | $210,000 | 6,667 |
| Additional noninterest expense | $471,000 | 6,744 |
| Pre-tax net operating income | $-778,000 | 10,815 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-778,000 | 10,826 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-778,000 | 10,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 345 |
| Net operating income | $-778,000 | 10,811 |
* 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.