Home > Cape Fear Bank > Income and Expense
Cape Fear Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,486,000 | 1,636 |
| Total interest expense | $3,631,000 | 933 |
| Net interest income | $1,855,000 | 2,897 |
| Provision for loan and lease losses | $830,000 | 1,316 |
| Total noninterest income | $118,000 | 4,913 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $143,000 | 2,568 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-25,000 | 8,049 |
| Total noninterest expense | $3,544,000 | 1,400 |
| Salaries and employee benefits | $1,473,000 | 1,767 |
| Premises and equipment expense | $546,000 | 1,309 |
| Additional noninterest expense | $1,525,000 | 1,101 |
| Pre-tax net operating income | $-2,401,000 | 7,882 |
| Securities gains (losses) | $-87,000 | 7,976 |
| Applicable income taxes | $-637,000 | 7,919 |
| Income before extraordinary items | $-1,851,000 | 7,885 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,851,000 | 7,886 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,851,000 | 7,886 |
| Net charge-offs | $594,000 | 1,259 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,786,620 | 7,871 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $27,440,000 | 1,413 |
| Total interest expense | $17,184,000 | 927 |
| Net interest income | $10,256,000 | 2,169 |
| Provision for loan and lease losses | $8,173,000 | 700 |
| Total noninterest income | $1,428,000 | 2,724 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $779,000 | 2,172 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $649,000 | 2,771 |
| Total noninterest expense | $12,386,000 | 1,584 |
| Salaries and employee benefits | $4,427,000 | 2,291 |
| Premises and equipment expense | $2,202,000 | 1,240 |
| Additional noninterest expense | $5,757,000 | 1,119 |
| Pre-tax net operating income | $-8,875,000 | 7,965 |
| Securities gains (losses) | $-48,000 | 7,162 |
| Applicable income taxes | $-3,748,000 | 8,053 |
| Income before extraordinary items | $-5,175,000 | 7,824 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,175,000 | 7,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,245,000 | 665 |
| Cash dividends | $500,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 1,109 |
| Net operating income | $-5,144,280 | 7,872 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $21,042,000 | 1,416 |
| Total interest expense | $12,993,000 | 958 |
| Net interest income | $8,049,000 | 2,081 |
| Provision for loan and lease losses | $7,173,000 | 510 |
| Total noninterest income | $1,278,000 | 2,470 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $632,000 | 2,038 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $646,000 | 2,435 |
| Total noninterest expense | $10,151,000 | 1,431 |
| Salaries and employee benefits | $5,396,000 | 1,451 |
| Premises and equipment expense | $1,615,000 | 1,278 |
| Additional noninterest expense | $3,140,000 | 1,429 |
| Pre-tax net operating income | $-7,997,000 | 8,202 |
| Securities gains (losses) | $20,000 | 2,014 |
| Applicable income taxes | $-3,476,000 | 8,239 |
| Income before extraordinary items | $-4,501,000 | 8,104 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,501,000 | 8,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,124,000 | 1,202 |
| Cash dividends | $500,000 | 2,719 |
| Sale, conversion, retirement of capital stock, net | $151,000 | 652 |
| Net operating income | $-4,513,800 | 8,153 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,150,000 | 1,425 |
| Total interest expense | $8,758,000 | 981 |
| Net interest income | $5,392,000 | 2,063 |
| Provision for loan and lease losses | $1,168,000 | 1,122 |
| Total noninterest income | $860,000 | 2,484 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $421,000 | 2,017 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $439,000 | 2,439 |
| Total noninterest expense | $6,548,000 | 1,476 |
| Salaries and employee benefits | $3,243,000 | 1,626 |
| Premises and equipment expense | $1,087,000 | 1,258 |
| Additional noninterest expense | $2,218,000 | 1,334 |
| Pre-tax net operating income | $-1,464,000 | 8,071 |
| Securities gains (losses) | $20,000 | 2,041 |
| Applicable income taxes | $-805,000 | 8,251 |
| Income before extraordinary items | $-639,000 | 7,797 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-639,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,024,000 | 852 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $140,000 | 490 |
| Net operating income | $-651,800 | 7,786 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,363,000 | 1,398 |
| Total interest expense | $4,508,000 | 1,033 |
| Net interest income | $2,855,000 | 1,957 |
| Provision for loan and lease losses | $793,000 | 732 |
| Total noninterest income | $433,000 | 2,460 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $243,000 | 1,768 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $190,000 | 2,656 |
| Total noninterest expense | $3,307,000 | 1,447 |
| Salaries and employee benefits | $1,619,000 | 1,630 |
| Premises and equipment expense | $533,000 | 1,293 |
| Additional noninterest expense | $1,155,000 | 1,241 |
| Pre-tax net operating income | $-812,000 | 8,234 |
| Securities gains (losses) | $7,000 | 2,110 |
| Applicable income taxes | $-502,000 | 8,356 |
| Income before extraordinary items | $-303,000 | 7,985 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-303,000 | 7,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 892 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 302 |
| Net operating income | $-307,480 | 7,964 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $32,033,000 | 1,333 |
| Total interest expense | $18,460,000 | 1,057 |
| Net interest income | $13,573,000 | 1,665 |
| Provision for loan and lease losses | $1,095,000 | 1,332 |
| Total noninterest income | $1,429,000 | 2,800 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $671,000 | 2,449 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $758,000 | 2,632 |
| Total noninterest expense | $11,446,000 | 1,608 |
| Salaries and employee benefits | $6,097,000 | 1,644 |
| Premises and equipment expense | $1,914,000 | 1,390 |
| Additional noninterest expense | $3,435,000 | 1,613 |
| Pre-tax net operating income | $2,461,000 | 2,856 |
| Securities gains (losses) | $15,000 | 1,192 |
| Applicable income taxes | $530,000 | 2,663 |
| Income before extraordinary items | $1,946,000 | 2,882 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,946,000 | 2,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-140,000 | 8,420 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 904 |
| Net operating income | $1,934,150 | 2,889 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,133,000 | 1,331 |
| Total interest expense | $13,772,000 | 1,063 |
| Net interest income | $10,361,000 | 1,641 |
| Provision for loan and lease losses | $125,000 | 3,799 |
| Total noninterest income | $971,000 | 2,980 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $418,000 | 2,810 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $553,000 | 2,680 |
| Total noninterest expense | $8,854,000 | 1,543 |
| Salaries and employee benefits | $4,893,000 | 1,547 |
| Premises and equipment expense | $1,352,000 | 1,476 |
| Additional noninterest expense | $2,609,000 | 1,545 |
| Pre-tax net operating income | $2,353,000 | 2,532 |
| Securities gains (losses) | $-11,000 | 7,805 |
| Applicable income taxes | $595,000 | 2,300 |
| Income before extraordinary items | $1,747,000 | 2,656 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,747,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-134,000 | 8,423 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $79,000 | 806 |
| Net operating income | $1,755,250 | 2,621 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,915,000 | 1,350 |
| Total interest expense | $9,081,000 | 1,080 |
| Net interest income | $6,834,000 | 1,681 |
| Provision for loan and lease losses | $75,000 | 3,728 |
| Total noninterest income | $643,000 | 3,009 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $263,000 | 2,925 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $380,000 | 2,646 |
| Total noninterest expense | $5,702,000 | 1,614 |
| Salaries and employee benefits | $3,210,000 | 1,600 |
| Premises and equipment expense | $832,000 | 1,611 |
| Additional noninterest expense | $1,660,000 | 1,634 |
| Pre-tax net operating income | $1,700,000 | 2,452 |
| Securities gains (losses) | $-4,000 | 7,813 |
| Applicable income taxes | $449,000 | 2,212 |
| Income before extraordinary items | $1,247,000 | 2,558 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,247,000 | 2,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-135,000 | 8,483 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 703 |
| Net operating income | $1,249,960 | 2,537 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,847,000 | 1,362 |
| Total interest expense | $4,463,000 | 1,084 |
| Net interest income | $3,384,000 | 1,702 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $299,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $130,000 | 2,901 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $169,000 | 2,811 |
| Total noninterest expense | $2,824,000 | 1,633 |
| Salaries and employee benefits | $1,549,000 | 1,683 |
| Premises and equipment expense | $402,000 | 1,661 |
| Additional noninterest expense | $873,000 | 1,528 |
| Pre-tax net operating income | $784,000 | 2,593 |
| Securities gains (losses) | $3,000 | 908 |
| Applicable income taxes | $215,000 | 2,298 |
| Income before extraordinary items | $572,000 | 2,739 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $572,000 | 2,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-127,000 | 8,536 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 595 |
| Net operating income | $569,810 | 2,737 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,196,000 | 1,416 |
| Total interest expense | $14,632,000 | 1,142 |
| Net interest income | $13,564,000 | 1,688 |
| Provision for loan and lease losses | $1,340,000 | 780 |
| Total noninterest income | $1,127,000 | 3,278 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $494,000 | 3,084 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $633,000 | 2,921 |
| Total noninterest expense | $9,141,000 | 1,932 |
| Salaries and employee benefits | $4,949,000 | 1,967 |
| Premises and equipment expense | $1,451,000 | 1,750 |
| Additional noninterest expense | $2,741,000 | 1,919 |
| Pre-tax net operating income | $4,210,000 | 2,173 |
| Securities gains (losses) | $-60,000 | 8,005 |
| Applicable income taxes | $1,337,000 | 1,826 |
| Income before extraordinary items | $2,813,000 | 2,381 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,813,000 | 2,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,615 |
| Cash dividends | $1,647,000 | 1,810 |
| Sale, conversion, retirement of capital stock, net | $118,000 | 859 |
| Net operating income | $2,853,800 | 2,342 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,399,000 | 1,457 |
| Total interest expense | $10,301,000 | 1,195 |
| Net interest income | $10,098,000 | 1,719 |
| Provision for loan and lease losses | $1,120,000 | 680 |
| Total noninterest income | $843,000 | 3,283 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $298,000 | 3,587 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $545,000 | 2,723 |
| Total noninterest expense | $6,600,000 | 1,998 |
| Salaries and employee benefits | $3,511,000 | 2,090 |
| Premises and equipment expense | $1,056,000 | 1,797 |
| Additional noninterest expense | $2,033,000 | 1,922 |
| Pre-tax net operating income | $3,221,000 | 2,203 |
| Securities gains (losses) | $-18,000 | 7,797 |
| Applicable income taxes | $1,137,000 | 1,715 |
| Income before extraordinary items | $2,066,000 | 2,496 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,066,000 | 2,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,092 |
| Cash dividends | $1,647,000 | 1,343 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 723 |
| Net operating income | $2,077,700 | 2,473 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,923,000 | 1,501 |
| Total interest expense | $6,351,000 | 1,232 |
| Net interest income | $6,572,000 | 1,767 |
| Provision for loan and lease losses | $684,000 | 728 |
| Total noninterest income | $581,000 | 3,185 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $203,000 | 3,505 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $378,000 | 2,647 |
| Total noninterest expense | $4,239,000 | 2,080 |
| Salaries and employee benefits | $2,284,000 | 2,152 |
| Premises and equipment expense | $662,000 | 1,901 |
| Additional noninterest expense | $1,293,000 | 2,039 |
| Pre-tax net operating income | $2,230,000 | 2,133 |
| Securities gains (losses) | $-18,000 | 8,036 |
| Applicable income taxes | $828,000 | 1,619 |
| Income before extraordinary items | $1,384,000 | 2,494 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,384,000 | 2,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 791 |
| Cash dividends | $1,647,000 | 971 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 611 |
| Net operating income | $1,395,520 | 2,464 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,166,000 | 1,542 |
| Total interest expense | $2,959,000 | 1,261 |
| Net interest income | $3,207,000 | 1,801 |
| Provision for loan and lease losses | $293,000 | 820 |
| Total noninterest income | $246,000 | 3,506 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $124,000 | 3,011 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $122,000 | 3,355 |
| Total noninterest expense | $2,070,000 | 2,138 |
| Salaries and employee benefits | $1,053,000 | 2,344 |
| Premises and equipment expense | $311,000 | 2,029 |
| Additional noninterest expense | $706,000 | 1,851 |
| Pre-tax net operating income | $1,090,000 | 2,133 |
| Securities gains (losses) | $-10,000 | 8,238 |
| Applicable income taxes | $405,000 | 1,642 |
| Income before extraordinary items | $675,000 | 2,515 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $675,000 | 2,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 383 |
| Cash dividends | $144,000 | 2,784 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 461 |
| Net operating income | $681,400 | 2,477 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,412,000 | 2,032 |
| Total interest expense | $6,971,000 | 1,637 |
| Net interest income | $9,441,000 | 2,341 |
| Provision for loan and lease losses | $1,499,000 | 719 |
| Total noninterest income | $1,055,000 | 3,426 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $534,000 | 2,922 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $521,000 | 3,301 |
| Total noninterest expense | $6,361,000 | 2,605 |
| Salaries and employee benefits | $3,227,000 | 2,784 |
| Premises and equipment expense | $920,000 | 2,544 |
| Additional noninterest expense | $2,214,000 | 2,261 |
| Pre-tax net operating income | $2,636,000 | 3,059 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $848,000 | 2,515 |
| Income before extraordinary items | $1,777,000 | 3,398 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,777,000 | 3,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,419 |
| Cash dividends | $113,000 | 5,407 |
| Sale, conversion, retirement of capital stock, net | $10,082,000 | 184 |
| Net operating income | $1,784,480 | 3,344 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,049,000 | 2,198 |
| Total interest expense | $4,547,000 | 1,765 |
| Net interest income | $6,502,000 | 2,495 |
| Provision for loan and lease losses | $1,112,000 | 691 |
| Total noninterest income | $757,000 | 3,543 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $386,000 | 2,997 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $371,000 | 3,411 |
| Total noninterest expense | $4,587,000 | 2,666 |
| Salaries and employee benefits | $2,343,000 | 2,829 |
| Premises and equipment expense | $654,000 | 2,658 |
| Additional noninterest expense | $1,590,000 | 2,319 |
| Pre-tax net operating income | $1,560,000 | 3,640 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $515,000 | 2,890 |
| Income before extraordinary items | $1,046,000 | 4,044 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,046,000 | 4,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,419 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 588 |
| Net operating income | $1,045,330 | 4,007 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,631,000 | 2,377 |
| Total interest expense | $2,598,000 | 1,923 |
| Net interest income | $4,033,000 | 2,627 |
| Provision for loan and lease losses | $757,000 | 670 |
| Total noninterest income | $492,000 | 3,566 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $247,000 | 3,037 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $245,000 | 3,396 |
| Total noninterest expense | $2,851,000 | 2,833 |
| Salaries and employee benefits | $1,480,000 | 2,963 |
| Premises and equipment expense | $416,000 | 2,741 |
| Additional noninterest expense | $955,000 | 2,554 |
| Pre-tax net operating income | $917,000 | 3,942 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $294,000 | 3,139 |
| Income before extraordinary items | $624,000 | 4,316 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $624,000 | 4,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,666 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 453 |
| Net operating income | $623,320 | 4,259 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,954,000 | 2,603 |
| Total interest expense | $1,102,000 | 2,134 |
| Net interest income | $1,852,000 | 2,846 |
| Provision for loan and lease losses | $365,000 | 649 |
| Total noninterest income | $247,000 | 3,499 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $124,000 | 2,965 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $123,000 | 3,343 |
| Total noninterest expense | $1,392,000 | 2,895 |
| Salaries and employee benefits | $763,000 | 2,883 |
| Premises and equipment expense | $205,000 | 2,817 |
| Additional noninterest expense | $424,000 | 2,869 |
| Pre-tax net operating income | $342,000 | 4,652 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $102,000 | 3,730 |
| Income before extraordinary items | $241,000 | 4,955 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $241,000 | 4,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,295 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 276 |
| Net operating income | $240,300 | 4,927 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,596,000 | 3,223 |
| Total interest expense | $2,742,000 | 2,813 |
| Net interest income | $5,854,000 | 3,352 |
| Provision for loan and lease losses | $891,000 | 1,166 |
| Total noninterest income | $750,000 | 4,228 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $491,000 | 3,184 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $259,000 | 4,560 |
| Total noninterest expense | $4,626,000 | 3,338 |
| Salaries and employee benefits | $2,577,000 | 3,261 |
| Premises and equipment expense | $782,000 | 2,845 |
| Additional noninterest expense | $1,267,000 | 3,594 |
| Pre-tax net operating income | $1,087,000 | 5,019 |
| Securities gains (losses) | $-5,000 | 8,058 |
| Applicable income taxes | $-66,000 | 8,695 |
| Income before extraordinary items | $1,148,000 | 4,318 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,148,000 | 4,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 1,468 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $5,512,000 | 213 |
| Net operating income | $1,153,000 | 4,232 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,040,000 | 3,367 |
| Total interest expense | $1,858,000 | 3,025 |
| Net interest income | $4,182,000 | 3,467 |
| Provision for loan and lease losses | $615,000 | 1,212 |
| Total noninterest income | $521,000 | 4,418 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $357,000 | 3,275 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $164,000 | 4,928 |
| Total noninterest expense | $3,403,000 | 3,369 |
| Salaries and employee benefits | $1,875,000 | 3,327 |
| Premises and equipment expense | $595,000 | 2,804 |
| Additional noninterest expense | $933,000 | 3,607 |
| Pre-tax net operating income | $685,000 | 5,570 |
| Securities gains (losses) | $-5,000 | 8,357 |
| Applicable income taxes | $-85,000 | 8,842 |
| Income before extraordinary items | $765,000 | 4,740 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $765,000 | 4,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 1,068 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 714 |
| Net operating income | $770,000 | 4,633 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,807,000 | 3,513 |
| Total interest expense | $1,103,000 | 3,299 |
| Net interest income | $2,704,000 | 3,546 |
| Provision for loan and lease losses | $286,000 | 1,653 |
| Total noninterest income | $306,000 | 4,770 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $235,000 | 3,282 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $71,000 | 5,821 |
| Total noninterest expense | $2,238,000 | 3,427 |
| Salaries and employee benefits | $1,231,000 | 3,368 |
| Premises and equipment expense | $399,000 | 2,797 |
| Additional noninterest expense | $608,000 | 3,709 |
| Pre-tax net operating income | $486,000 | 5,375 |
| Securities gains (losses) | $-5,000 | 8,574 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $481,000 | 4,829 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $481,000 | 4,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,637 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 611 |
| Net operating income | $486,000 | 4,709 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,811,000 | 3,690 |
| Total interest expense | $503,000 | 3,625 |
| Net interest income | $1,308,000 | 3,635 |
| Provision for loan and lease losses | $108,000 | 1,991 |
| Total noninterest income | $144,000 | 4,873 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $114,000 | 3,270 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $30,000 | 6,109 |
| Total noninterest expense | $1,069,000 | 3,574 |
| Salaries and employee benefits | $586,000 | 3,549 |
| Premises and equipment expense | $197,000 | 2,852 |
| Additional noninterest expense | $286,000 | 3,887 |
| Pre-tax net operating income | $275,000 | 5,033 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $276,000 | 4,501 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $276,000 | 4,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 435 |
| Net operating income | $275,000 | 4,381 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,527,000 | 4,039 |
| Total interest expense | $2,103,000 | 3,875 |
| Net interest income | $4,424,000 | 4,047 |
| Provision for loan and lease losses | $291,000 | 3,259 |
| Total noninterest income | $498,000 | 5,450 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $449,000 | 3,377 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $49,000 | 7,593 |
| Total noninterest expense | $3,628,000 | 3,989 |
| Salaries and employee benefits | $1,898,000 | 4,094 |
| Premises and equipment expense | $673,000 | 3,197 |
| Additional noninterest expense | $1,057,000 | 4,098 |
| Pre-tax net operating income | $1,003,000 | 5,169 |
| Securities gains (losses) | $14,000 | 3,435 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,017,000 | 4,601 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,017,000 | 4,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,900 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $7,210,000 | 143 |
| Net operating income | $1,003,000 | 4,473 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,813,000 | 4,143 |
| Total interest expense | $1,633,000 | 3,877 |
| Net interest income | $3,180,000 | 4,207 |
| Provision for loan and lease losses | $156,000 | 3,829 |
| Total noninterest income | $370,000 | 5,500 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $334,000 | 3,399 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 7,634 |
| Total noninterest expense | $2,656,000 | 4,055 |
| Salaries and employee benefits | $1,364,000 | 4,227 |
| Premises and equipment expense | $500,000 | 3,221 |
| Additional noninterest expense | $792,000 | 4,083 |
| Pre-tax net operating income | $738,000 | 5,378 |
| Securities gains (losses) | $14,000 | 3,164 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $752,000 | 4,763 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $752,000 | 4,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,624 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $738,000 | 4,642 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,217,000 | 4,174 |
| Total interest expense | $1,114,000 | 3,913 |
| Net interest income | $2,103,000 | 4,237 |
| Provision for loan and lease losses | $122,000 | 3,435 |
| Total noninterest income | $253,000 | 5,434 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $223,000 | 3,357 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $30,000 | 7,328 |
| Total noninterest expense | $1,742,000 | 4,109 |
| Salaries and employee benefits | $850,000 | 4,431 |
| Premises and equipment expense | $332,000 | 3,224 |
| Additional noninterest expense | $560,000 | 3,904 |
| Pre-tax net operating income | $492,000 | 5,345 |
| Securities gains (losses) | $12,000 | 2,858 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $504,000 | 4,783 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $504,000 | 4,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,423 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $492,000 | 4,631 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,611,000 | 4,209 |
| Total interest expense | $577,000 | 3,874 |
| Net interest income | $1,034,000 | 4,292 |
| Provision for loan and lease losses | $97,000 | 2,432 |
| Total noninterest income | $116,000 | 5,535 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $104,000 | 3,444 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $809,000 | 4,334 |
| Salaries and employee benefits | $378,000 | 4,824 |
| Premises and equipment expense | $164,000 | 3,248 |
| Additional noninterest expense | $267,000 | 4,010 |
| Pre-tax net operating income | $244,000 | 5,348 |
| Securities gains (losses) | $6,000 | 2,344 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $250,000 | 4,715 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $250,000 | 4,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $244,000 | 4,582 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,003,000 | 4,048 |
| Total interest expense | $2,927,000 | 3,599 |
| Net interest income | $4,076,000 | 4,290 |
| Provision for loan and lease losses | $575,000 | 2,140 |
| Total noninterest income | $426,000 | 5,620 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $387,000 | 3,610 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,000 | 7,905 |
| Total noninterest expense | $3,294,000 | 4,151 |
| Salaries and employee benefits | $1,615,000 | 4,428 |
| Premises and equipment expense | $677,000 | 3,086 |
| Additional noninterest expense | $1,002,000 | 4,169 |
| Pre-tax net operating income | $633,000 | 6,317 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $637,000 | 5,809 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $637,000 | 5,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,601 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $429,000 | 492 |
| Net operating income | $633,000 | 5,700 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,082,000 | 4,396 |
| Total interest expense | $4,169,000 | 3,671 |
| Net interest income | $2,913,000 | 5,174 |
| Provision for loan and lease losses | $399,000 | 2,633 |
| Total noninterest income | $336,000 | 6,119 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $313,000 | 4,053 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $23,000 | 8,600 |
| Total noninterest expense | $2,666,000 | 4,747 |
| Salaries and employee benefits | $1,280,000 | 5,087 |
| Premises and equipment expense | $666,000 | 3,078 |
| Additional noninterest expense | $720,000 | 5,180 |
| Pre-tax net operating income | $184,000 | 7,959 |
| Securities gains (losses) | $18,000 | 3,221 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $202,000 | 7,720 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $202,000 | 7,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,067 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,068,000 | 393 |
| Net operating income | $184,000 | 7,725 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,887,000 | 5,819 |
| Total interest expense | $2,873,000 | 5,085 |
| Net interest income | $2,014,000 | 6,538 |
| Provision for loan and lease losses | $494,000 | 1,899 |
| Total noninterest income | $200,000 | 7,270 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 7,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,363 |
| Total noninterest expense | $2,532,000 | 4,812 |
| Salaries and employee benefits | $1,174,000 | 5,310 |
| Premises and equipment expense | $644,000 | 3,090 |
| Additional noninterest expense | $714,000 | 5,104 |
| Pre-tax net operating income | $-812,000 | 9,668 |
| Securities gains (losses) | $22,000 | 930 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-790,000 | 9,683 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-790,000 | 9,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-812,000 | 9,686 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,013,000 | 8,483 |
| Total interest expense | $1,079,000 | 7,961 |
| Net interest income | $934,000 | 8,781 |
| Provision for loan and lease losses | $345,000 | 2,386 |
| Total noninterest income | $150,000 | 8,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 8,549 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 5,903 |
| Total noninterest expense | $2,064,000 | 5,571 |
| Salaries and employee benefits | $1,050,000 | 5,696 |
| Premises and equipment expense | $457,000 | 4,069 |
| Additional noninterest expense | $557,000 | 6,107 |
| Pre-tax net operating income | $-1,325,000 | 10,113 |
| Securities gains (losses) | $-14,000 | 9,441 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,339,000 | 10,121 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,339,000 | 10,121 |
| 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 | $0 | 1,035 |
| Net operating income | $-1,325,000 | 10,115 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $587,000 | 10,164 |
| Total interest expense | $177,000 | 10,212 |
| Net interest income | $410,000 | 10,065 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $7,000 | 10,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 8,992 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,240 |
| Total noninterest expense | $1,195,000 | 7,565 |
| Salaries and employee benefits | $563,000 | 7,970 |
| Premises and equipment expense | $188,000 | 6,902 |
| Additional noninterest expense | $444,000 | 6,852 |
| Pre-tax net operating income | $-858,000 | 10,315 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $-859,000 | 10,342 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-859,000 | 10,339 |
| 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 | $9,162,000 | 113 |
| Net operating income | $-859,000 | 10,321 |
* 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.