Home > Cardinal State Bank > Income and Expense
Cardinal State Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,141,000 | 3,037 |
| Total interest expense | $6,861,000 | 2,681 |
| Net interest income | $6,280,000 | 3,389 |
| Provision for loan and lease losses | $223,000 | 3,708 |
| Total noninterest income | $459,000 | 5,219 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $359,000 | 3,731 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $100,000 | 6,213 |
| Total noninterest expense | $7,062,000 | 2,568 |
| Salaries and employee benefits | $3,239,000 | 3,032 |
| Premises and equipment expense | $1,209,000 | 2,148 |
| Additional noninterest expense | $2,614,000 | 2,096 |
| Pre-tax net operating income | $-546,000 | 7,837 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-2,039,000 | 8,458 |
| Income before extraordinary items | $1,493,000 | 3,462 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,493,000 | 3,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,091 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $360,000 | 602 |
| Net operating income | $1,493,000 | 3,449 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,888,000 | 3,010 |
| Total interest expense | $5,081,000 | 2,712 |
| Net interest income | $4,807,000 | 3,342 |
| Provision for loan and lease losses | $-177,000 | 8,465 |
| Total noninterest income | $346,000 | 5,238 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $264,000 | 3,776 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $82,000 | 6,115 |
| Total noninterest expense | $4,913,000 | 2,711 |
| Salaries and employee benefits | $2,488,000 | 2,939 |
| Premises and equipment expense | $903,000 | 2,137 |
| Additional noninterest expense | $1,522,000 | 2,584 |
| Pre-tax net operating income | $417,000 | 6,092 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-1,666,000 | 8,513 |
| Income before extraordinary items | $2,083,000 | 2,296 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,083,000 | 2,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $336,000 | 484 |
| Net operating income | $2,083,000 | 2,279 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,576,000 | 3,025 |
| Total interest expense | $3,329,000 | 2,738 |
| Net interest income | $3,247,000 | 3,326 |
| Provision for loan and lease losses | $-253,000 | 8,533 |
| Total noninterest income | $228,000 | 5,296 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $170,000 | 3,835 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $58,000 | 6,055 |
| Total noninterest expense | $3,243,000 | 2,770 |
| Salaries and employee benefits | $1,722,000 | 2,872 |
| Premises and equipment expense | $604,000 | 2,144 |
| Additional noninterest expense | $917,000 | 2,831 |
| Pre-tax net operating income | $485,000 | 5,100 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $485,000 | 4,619 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $485,000 | 4,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 648 |
| Net operating income | $485,000 | 4,612 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,258,000 | 3,051 |
| Total interest expense | $1,641,000 | 2,756 |
| Net interest income | $1,617,000 | 3,334 |
| Provision for loan and lease losses | $-242,000 | 8,597 |
| Total noninterest income | $125,000 | 5,031 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $84,000 | 3,804 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $41,000 | 5,473 |
| Total noninterest expense | $1,694,000 | 2,680 |
| Salaries and employee benefits | $867,000 | 2,873 |
| Premises and equipment expense | $304,000 | 2,145 |
| Additional noninterest expense | $523,000 | 2,518 |
| Pre-tax net operating income | $290,000 | 4,729 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $290,000 | 4,260 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $290,000 | 4,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,108 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 510 |
| Net operating income | $290,000 | 4,237 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,344,000 | 3,009 |
| Total interest expense | $5,714,000 | 2,698 |
| Net interest income | $6,630,000 | 3,262 |
| Provision for loan and lease losses | $477,000 | 1,988 |
| Total noninterest income | $524,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $288,000 | 4,208 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $236,000 | 4,788 |
| Total noninterest expense | $5,791,000 | 2,957 |
| Salaries and employee benefits | $3,165,000 | 2,984 |
| Premises and equipment expense | $983,000 | 2,517 |
| Additional noninterest expense | $1,643,000 | 3,062 |
| Pre-tax net operating income | $886,000 | 5,435 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $886,000 | 4,976 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $886,000 | 4,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 1,966 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $263,000 | 705 |
| Net operating income | $886,000 | 4,970 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,036,000 | 3,055 |
| Total interest expense | $4,079,000 | 2,729 |
| Net interest income | $4,957,000 | 3,297 |
| Provision for loan and lease losses | $409,000 | 1,668 |
| Total noninterest income | $417,000 | 4,922 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $211,000 | 4,291 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $206,000 | 4,474 |
| Total noninterest expense | $4,236,000 | 3,018 |
| Salaries and employee benefits | $2,335,000 | 3,020 |
| Premises and equipment expense | $689,000 | 2,684 |
| Additional noninterest expense | $1,212,000 | 3,102 |
| Pre-tax net operating income | $729,000 | 5,420 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $729,000 | 4,926 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $729,000 | 4,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,061 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $218,000 | 578 |
| Net operating income | $729,000 | 4,912 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,850,000 | 3,088 |
| Total interest expense | $2,576,000 | 2,745 |
| Net interest income | $3,274,000 | 3,320 |
| Provision for loan and lease losses | $368,000 | 1,245 |
| Total noninterest income | $297,000 | 4,776 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $135,000 | 4,352 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $162,000 | 4,152 |
| Total noninterest expense | $2,768,000 | 3,078 |
| Salaries and employee benefits | $1,542,000 | 3,051 |
| Premises and equipment expense | $422,000 | 2,868 |
| Additional noninterest expense | $804,000 | 3,120 |
| Pre-tax net operating income | $435,000 | 5,713 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $435,000 | 5,197 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $435,000 | 5,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,156 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $154,000 | 467 |
| Net operating income | $435,000 | 5,195 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,751,000 | 3,198 |
| Total interest expense | $1,199,000 | 2,811 |
| Net interest income | $1,552,000 | 3,449 |
| Provision for loan and lease losses | $245,000 | 951 |
| Total noninterest income | $116,000 | 5,287 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $65,000 | 4,375 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,080 |
| Total noninterest expense | $1,346,000 | 3,166 |
| Salaries and employee benefits | $759,000 | 3,110 |
| Premises and equipment expense | $205,000 | 2,962 |
| Additional noninterest expense | $382,000 | 3,250 |
| Pre-tax net operating income | $77,000 | 7,349 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $77,000 | 7,081 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $77,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 351 |
| Net operating income | $77,000 | 7,088 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,760,000 | 3,490 |
| Total interest expense | $3,329,000 | 3,068 |
| Net interest income | $5,431,000 | 3,718 |
| Provision for loan and lease losses | $336,000 | 2,599 |
| Total noninterest income | $430,000 | 5,570 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $237,000 | 4,686 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $193,000 | 5,236 |
| Total noninterest expense | $4,786,000 | 3,357 |
| Salaries and employee benefits | $2,530,000 | 3,447 |
| Premises and equipment expense | $789,000 | 2,930 |
| Additional noninterest expense | $1,467,000 | 3,282 |
| Pre-tax net operating income | $739,000 | 6,045 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $739,000 | 5,547 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $739,000 | 5,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,447 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $739,000 | 5,512 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,237,000 | 3,591 |
| Total interest expense | $2,273,000 | 3,165 |
| Net interest income | $3,964,000 | 3,789 |
| Provision for loan and lease losses | $171,000 | 3,290 |
| Total noninterest income | $320,000 | 5,624 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $175,000 | 4,749 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $145,000 | 5,246 |
| Total noninterest expense | $3,504,000 | 3,393 |
| Salaries and employee benefits | $1,824,000 | 3,532 |
| Premises and equipment expense | $592,000 | 2,911 |
| Additional noninterest expense | $1,088,000 | 3,289 |
| Pre-tax net operating income | $609,000 | 5,972 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $609,000 | 5,409 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $609,000 | 5,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,823 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $609,000 | 5,378 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,958,000 | 3,665 |
| Total interest expense | $1,386,000 | 3,253 |
| Net interest income | $2,572,000 | 3,834 |
| Provision for loan and lease losses | $112,000 | 3,201 |
| Total noninterest income | $186,000 | 5,893 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $118,000 | 4,686 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $68,000 | 5,929 |
| Total noninterest expense | $2,247,000 | 3,482 |
| Salaries and employee benefits | $1,151,000 | 3,685 |
| Premises and equipment expense | $389,000 | 2,922 |
| Additional noninterest expense | $707,000 | 3,342 |
| Pre-tax net operating income | $399,000 | 5,986 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $399,000 | 5,441 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $399,000 | 5,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,677 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $399,000 | 5,411 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,889,000 | 3,766 |
| Total interest expense | $648,000 | 3,308 |
| Net interest income | $1,241,000 | 3,954 |
| Provision for loan and lease losses | $49,000 | 3,251 |
| Total noninterest income | $100,000 | 5,685 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $58,000 | 4,666 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,556 |
| Total noninterest expense | $1,086,000 | 3,608 |
| Salaries and employee benefits | $553,000 | 3,794 |
| Premises and equipment expense | $194,000 | 2,954 |
| Additional noninterest expense | $339,000 | 3,451 |
| Pre-tax net operating income | $206,000 | 5,904 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $206,000 | 5,344 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $206,000 | 5,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $206,000 | 5,313 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,786,000 | 4,378 |
| Total interest expense | $1,927,000 | 3,761 |
| Net interest income | $3,859,000 | 4,600 |
| Provision for loan and lease losses | $358,000 | 2,589 |
| Total noninterest income | $414,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $216,000 | 5,064 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $198,000 | 5,129 |
| Total noninterest expense | $3,613,000 | 4,074 |
| Salaries and employee benefits | $1,775,000 | 4,379 |
| Premises and equipment expense | $731,000 | 3,016 |
| Additional noninterest expense | $1,107,000 | 3,995 |
| Pre-tax net operating income | $302,000 | 7,440 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $302,000 | 7,220 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $302,000 | 7,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,079 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $9,446,000 | 121 |
| Net operating income | $302,000 | 7,165 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,080,000 | 4,552 |
| Total interest expense | $1,391,000 | 3,833 |
| Net interest income | $2,689,000 | 4,811 |
| Provision for loan and lease losses | $281,000 | 2,377 |
| Total noninterest income | $288,000 | 5,918 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $157,000 | 5,164 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $131,000 | 5,402 |
| Total noninterest expense | $2,575,000 | 4,215 |
| Salaries and employee benefits | $1,231,000 | 4,600 |
| Premises and equipment expense | $549,000 | 2,998 |
| Additional noninterest expense | $795,000 | 4,110 |
| Pre-tax net operating income | $121,000 | 8,038 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $121,000 | 7,965 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $121,000 | 7,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,955 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $9,446,000 | 92 |
| Net operating income | $121,000 | 7,915 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,542,000 | 4,785 |
| Total interest expense | $914,000 | 3,877 |
| Net interest income | $1,628,000 | 5,134 |
| Provision for loan and lease losses | $153,000 | 2,669 |
| Total noninterest income | $168,000 | 6,218 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $94,000 | 5,405 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $74,000 | 5,746 |
| Total noninterest expense | $1,626,000 | 4,406 |
| Salaries and employee benefits | $741,000 | 4,968 |
| Premises and equipment expense | $377,000 | 2,935 |
| Additional noninterest expense | $508,000 | 4,265 |
| Pre-tax net operating income | $17,000 | 8,431 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $17,000 | 8,476 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $17,000 | 8,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $9,446,000 | 62 |
| Net operating income | $17,000 | 8,419 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,320,000 | 4,671 |
| Total interest expense | $458,000 | 3,916 |
| Net interest income | $862,000 | 4,947 |
| Provision for loan and lease losses | $77,000 | 2,529 |
| Total noninterest income | $78,000 | 6,348 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $44,000 | 5,481 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $34,000 | 5,872 |
| Total noninterest expense | $895,000 | 4,108 |
| Salaries and employee benefits | $463,000 | 4,253 |
| Premises and equipment expense | $186,000 | 2,999 |
| Additional noninterest expense | $246,000 | 4,380 |
| Pre-tax net operating income | $-32,000 | 8,688 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-32,000 | 8,726 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-32,000 | 8,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-32,000 | 8,685 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,707,000 | 5,884 |
| Total interest expense | $1,342,000 | 5,231 |
| Net interest income | $2,365,000 | 6,075 |
| Provision for loan and lease losses | $644,000 | 1,757 |
| Total noninterest income | $253,000 | 6,924 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $105,000 | 6,483 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $148,000 | 5,844 |
| Total noninterest expense | $3,331,000 | 4,289 |
| Salaries and employee benefits | $1,759,000 | 4,327 |
| Premises and equipment expense | $653,000 | 3,274 |
| Additional noninterest expense | $919,000 | 4,557 |
| Pre-tax net operating income | $-1,357,000 | 9,028 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-1,357,000 | 9,076 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,357,000 | 9,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,445 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,357,000 | 9,033 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,502,000 | 6,251 |
| Total interest expense | $888,000 | 5,760 |
| Net interest income | $1,614,000 | 6,408 |
| Provision for loan and lease losses | $509,000 | 1,642 |
| Total noninterest income | $193,000 | 6,942 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $70,000 | 6,717 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 5,698 |
| Total noninterest expense | $2,482,000 | 4,295 |
| Salaries and employee benefits | $1,321,000 | 4,318 |
| Premises and equipment expense | $479,000 | 3,333 |
| Additional noninterest expense | $682,000 | 4,550 |
| Pre-tax net operating income | $-1,184,000 | 9,104 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-1,184,000 | 9,145 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,184,000 | 9,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,184,000 | 9,105 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,423,000 | 6,823 |
| Total interest expense | $490,000 | 6,452 |
| Net interest income | $933,000 | 6,852 |
| Provision for loan and lease losses | $325,000 | 1,685 |
| Total noninterest income | $120,000 | 7,061 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $39,000 | 6,980 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $81,000 | 5,693 |
| Total noninterest expense | $1,626,000 | 4,343 |
| Salaries and employee benefits | $874,000 | 4,337 |
| Premises and equipment expense | $303,000 | 3,453 |
| Additional noninterest expense | $449,000 | 4,606 |
| Pre-tax net operating income | $-898,000 | 9,142 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-898,000 | 9,197 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-898,000 | 9,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-898,000 | 9,147 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $588,000 | 7,372 |
| Total interest expense | $201,000 | 7,054 |
| Net interest income | $387,000 | 7,372 |
| Provision for loan and lease losses | $109,000 | 2,231 |
| Total noninterest income | $65,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $17,000 | 7,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 5,346 |
| Total noninterest expense | $790,000 | 4,401 |
| Salaries and employee benefits | $430,000 | 4,398 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $224,000 | 4,575 |
| Pre-tax net operating income | $-447,000 | 9,186 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-447,000 | 9,230 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-447,000 | 9,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-447,000 | 9,185 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,427,000 | 8,469 |
| Total interest expense | $507,000 | 8,364 |
| Net interest income | $920,000 | 8,393 |
| Provision for loan and lease losses | $396,000 | 2,872 |
| Total noninterest income | $153,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $31,000 | 7,841 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $122,000 | 6,029 |
| Total noninterest expense | $2,884,000 | 4,584 |
| Salaries and employee benefits | $1,469,000 | 4,765 |
| Premises and equipment expense | $454,000 | 4,241 |
| Additional noninterest expense | $961,000 | 4,313 |
| Pre-tax net operating income | $-2,207,000 | 9,257 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-2,207,000 | 9,288 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-2,207,000 | 9,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,914 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-2,207,000 | 9,263 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $515,000 | 9,420 |
| Total interest expense | $134,000 | 9,441 |
| Net interest income | $381,000 | 9,323 |
| Provision for loan and lease losses | $70,000 | 6,194 |
| Total noninterest income | $35,000 | 9,312 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $6,000 | 8,300 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $29,000 | 8,383 |
| Total noninterest expense | $2,269,000 | 5,285 |
| Salaries and employee benefits | $1,093,000 | 5,666 |
| Premises and equipment expense | $231,000 | 6,343 |
| Additional noninterest expense | $945,000 | 4,255 |
| Pre-tax net operating income | $-1,923,000 | 9,481 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,923,000 | 9,522 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,923,000 | 9,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $14,075,000 | 47 |
| Net operating income | $-1,923,000 | 9,496 |
* 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.