Home > Cardunal Savings Bank, FSB > Income and Expense
Cardunal Savings Bank, FSB, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,749,000 | 3,699 |
| Total interest expense | $4,926,000 | 2,776 |
| Net interest income | $2,823,000 | 4,825 |
| Provision for loan and lease losses | $531,000 | 1,484 |
| Total noninterest income | $597,000 | 4,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $597,000 | 2,570 |
| Total noninterest expense | $3,403,000 | 3,714 |
| Salaries and employee benefits | $1,753,000 | 3,901 |
| Premises and equipment expense | $821,000 | 2,355 |
| Additional noninterest expense | $829,000 | 4,269 |
| Pre-tax net operating income | $-514,000 | 8,081 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-513,000 | 8,141 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-513,000 | 8,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,724 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-514,000 | 8,127 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,177,000 | 3,699 |
| Total interest expense | $3,257,000 | 2,793 |
| Net interest income | $1,920,000 | 4,792 |
| Provision for loan and lease losses | $501,000 | 1,023 |
| Total noninterest income | $388,000 | 4,099 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $388,000 | 2,619 |
| Total noninterest expense | $2,297,000 | 3,700 |
| Salaries and employee benefits | $1,189,000 | 3,883 |
| Premises and equipment expense | $565,000 | 2,293 |
| Additional noninterest expense | $543,000 | 4,317 |
| Pre-tax net operating income | $-490,000 | 8,300 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-490,000 | 8,332 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-490,000 | 8,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,770 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-490,000 | 8,325 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,593,000 | 3,676 |
| Total interest expense | $1,612,000 | 2,801 |
| Net interest income | $981,000 | 4,738 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $215,000 | 3,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $215,000 | 2,431 |
| Total noninterest expense | $1,168,000 | 3,647 |
| Salaries and employee benefits | $601,000 | 3,887 |
| Premises and equipment expense | $289,000 | 2,263 |
| Additional noninterest expense | $278,000 | 4,188 |
| Pre-tax net operating income | $-2,000 | 7,867 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-2,000 | 7,876 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-2,000 | 7,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-2,000 | 7,864 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,235,000 | 3,509 |
| Total interest expense | $6,051,000 | 2,573 |
| Net interest income | $4,184,000 | 4,536 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $1,003,000 | 3,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,003,000 | 2,221 |
| Total noninterest expense | $4,963,000 | 3,374 |
| Salaries and employee benefits | $2,784,000 | 3,337 |
| Premises and equipment expense | $1,134,000 | 2,175 |
| Additional noninterest expense | $1,045,000 | 4,366 |
| Pre-tax net operating income | $104,000 | 7,696 |
| Securities gains (losses) | $151,000 | 446 |
| Applicable income taxes | $6,000 | 6,282 |
| Income before extraordinary items | $249,000 | 7,099 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $249,000 | 7,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $150,000 | 5,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $101,020 | 7,654 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,661,000 | 3,496 |
| Total interest expense | $4,417,000 | 2,562 |
| Net interest income | $3,244,000 | 4,478 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $753,000 | 3,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $753,000 | 2,219 |
| Total noninterest expense | $3,682,000 | 3,393 |
| Salaries and employee benefits | $2,060,000 | 3,368 |
| Premises and equipment expense | $853,000 | 2,190 |
| Additional noninterest expense | $769,000 | 4,397 |
| Pre-tax net operating income | $225,000 | 7,315 |
| Securities gains (losses) | $72,000 | 490 |
| Applicable income taxes | $34,000 | 5,676 |
| Income before extraordinary items | $263,000 | 6,903 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $263,000 | 6,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $198,920 | 7,227 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,073,000 | 3,466 |
| Total interest expense | $2,782,000 | 2,602 |
| Net interest income | $2,291,000 | 4,305 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $503,000 | 3,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $503,000 | 2,202 |
| Total noninterest expense | $2,477,000 | 3,371 |
| Salaries and employee benefits | $1,409,000 | 3,304 |
| Premises and equipment expense | $563,000 | 2,211 |
| Additional noninterest expense | $505,000 | 4,458 |
| Pre-tax net operating income | $257,000 | 6,731 |
| Securities gains (losses) | $100,000 | 355 |
| Applicable income taxes | $82,000 | 4,751 |
| Income before extraordinary items | $275,000 | 6,187 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $275,000 | 6,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $198,000 | 6,775 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,499,000 | 3,444 |
| Total interest expense | $1,329,000 | 2,593 |
| Net interest income | $1,170,000 | 4,228 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $225,000 | 3,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $225,000 | 2,324 |
| Total noninterest expense | $1,212,000 | 3,440 |
| Salaries and employee benefits | $658,000 | 3,507 |
| Premises and equipment expense | $274,000 | 2,276 |
| Additional noninterest expense | $280,000 | 4,112 |
| Pre-tax net operating income | $153,000 | 6,376 |
| Securities gains (losses) | $65,000 | 300 |
| Applicable income taxes | $55,000 | 4,377 |
| Income before extraordinary items | $163,000 | 5,776 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $163,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $114,250 | 6,505 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,474,000 | 3,297 |
| Total interest expense | $4,598,000 | 2,382 |
| Net interest income | $4,876,000 | 4,032 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $1,079,000 | 3,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,079,000 | 2,104 |
| Total noninterest expense | $4,811,000 | 3,337 |
| Salaries and employee benefits | $2,726,000 | 3,238 |
| Premises and equipment expense | $1,080,000 | 2,214 |
| Additional noninterest expense | $1,005,000 | 4,409 |
| Pre-tax net operating income | $1,024,000 | 5,291 |
| Securities gains (losses) | $58,000 | 872 |
| Applicable income taxes | $315,000 | 4,065 |
| Income before extraordinary items | $767,000 | 5,443 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $767,000 | 5,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,497 |
| Cash dividends | $300,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $725,820 | 5,560 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,066,000 | 3,259 |
| Total interest expense | $3,361,000 | 2,316 |
| Net interest income | $3,705,000 | 3,981 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $835,000 | 3,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $835,000 | 2,063 |
| Total noninterest expense | $3,510,000 | 3,386 |
| Salaries and employee benefits | $1,986,000 | 3,296 |
| Premises and equipment expense | $791,000 | 2,245 |
| Additional noninterest expense | $733,000 | 4,482 |
| Pre-tax net operating income | $940,000 | 4,929 |
| Securities gains (losses) | $58,000 | 824 |
| Applicable income taxes | $309,000 | 3,758 |
| Income before extraordinary items | $689,000 | 5,127 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $689,000 | 5,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,717 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $648,980 | 5,232 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,742,000 | 3,180 |
| Total interest expense | $2,244,000 | 2,192 |
| Net interest income | $2,498,000 | 3,928 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $576,000 | 3,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $576,000 | 1,984 |
| Total noninterest expense | $2,222,000 | 3,513 |
| Salaries and employee benefits | $1,258,000 | 3,421 |
| Premises and equipment expense | $498,000 | 2,338 |
| Additional noninterest expense | $466,000 | 4,611 |
| Pre-tax net operating income | $792,000 | 4,303 |
| Securities gains (losses) | $57,000 | 742 |
| Applicable income taxes | $275,000 | 3,248 |
| Income before extraordinary items | $574,000 | 4,538 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $574,000 | 4,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $535,240 | 4,664 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,351,000 | 3,158 |
| Total interest expense | $1,147,000 | 2,056 |
| Net interest income | $1,204,000 | 4,050 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $312,000 | 2,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $312,000 | 1,858 |
| Total noninterest expense | $1,097,000 | 3,571 |
| Salaries and employee benefits | $646,000 | 3,339 |
| Premises and equipment expense | $240,000 | 2,439 |
| Additional noninterest expense | $211,000 | 4,905 |
| Pre-tax net operating income | $389,000 | 4,347 |
| Securities gains (losses) | $66,000 | 478 |
| Applicable income taxes | $149,000 | 3,105 |
| Income before extraordinary items | $306,000 | 4,312 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $306,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $261,780 | 4,707 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,856,000 | 3,140 |
| Total interest expense | $4,542,000 | 1,788 |
| Net interest income | $4,314,000 | 4,253 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $1,052,000 | 3,420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,052,000 | 2,070 |
| Total noninterest expense | $4,407,000 | 3,478 |
| Salaries and employee benefits | $2,558,000 | 3,282 |
| Premises and equipment expense | $678,000 | 3,211 |
| Additional noninterest expense | $1,171,000 | 3,829 |
| Pre-tax net operating income | $839,000 | 5,677 |
| Securities gains (losses) | $6,000 | 3,079 |
| Applicable income taxes | $248,000 | 4,463 |
| Income before extraordinary items | $597,000 | 5,956 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $597,000 | 5,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $300,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $592,740 | 5,907 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,560,000 | 3,151 |
| Total interest expense | $3,400,000 | 1,763 |
| Net interest income | $3,160,000 | 4,317 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $790,000 | 3,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $790,000 | 2,089 |
| Total noninterest expense | $3,286,000 | 3,472 |
| Salaries and employee benefits | $1,893,000 | 3,300 |
| Premises and equipment expense | $451,000 | 3,537 |
| Additional noninterest expense | $942,000 | 3,585 |
| Pre-tax net operating income | $574,000 | 6,002 |
| Securities gains (losses) | $11,000 | 2,659 |
| Applicable income taxes | $173,000 | 4,659 |
| Income before extraordinary items | $412,000 | 6,247 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $412,000 | 6,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $404,300 | 6,223 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,296,000 | 3,190 |
| Total interest expense | $2,269,000 | 1,749 |
| Net interest income | $2,027,000 | 4,432 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $529,000 | 3,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $529,000 | 2,103 |
| Total noninterest expense | $2,189,000 | 3,493 |
| Salaries and employee benefits | $1,237,000 | 3,352 |
| Premises and equipment expense | $242,000 | 4,170 |
| Additional noninterest expense | $710,000 | 3,261 |
| Pre-tax net operating income | $307,000 | 6,456 |
| Securities gains (losses) | $-50,000 | 8,907 |
| Applicable income taxes | $73,000 | 5,225 |
| Income before extraordinary items | $184,000 | 7,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $184,000 | 7,036 |
| 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 | $0 | 638 |
| Net operating income | $220,000 | 6,627 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,098,000 | 3,254 |
| Total interest expense | $1,141,000 | 1,764 |
| Net interest income | $957,000 | 4,607 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $267,000 | 3,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $267,000 | 2,030 |
| Total noninterest expense | $1,132,000 | 3,408 |
| Salaries and employee benefits | $668,000 | 3,163 |
| Premises and equipment expense | $0 | 9,081 |
| Additional noninterest expense | $464,000 | 2,538 |
| Pre-tax net operating income | $62,000 | 7,733 |
| Securities gains (losses) | $-48,000 | 9,034 |
| Applicable income taxes | $-9,000 | 8,853 |
| Income before extraordinary items | $23,000 | 8,272 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $23,000 | 8,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $71,000 | 7,309 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,938,000 | 3,468 |
| Total interest expense | $4,871,000 | 1,838 |
| Net interest income | $3,067,000 | 5,238 |
| Provision for loan and lease losses | $133,000 | 4,781 |
| Total noninterest income | $1,212,000 | 3,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,212,000 | 2,107 |
| Total noninterest expense | $4,114,000 | 3,632 |
| Salaries and employee benefits | $2,288,000 | 3,520 |
| Premises and equipment expense | $880,000 | 2,539 |
| Additional noninterest expense | $946,000 | 4,451 |
| Pre-tax net operating income | $32,000 | 8,441 |
| Securities gains (losses) | $370,000 | 920 |
| Applicable income taxes | $133,000 | 5,419 |
| Income before extraordinary items | $269,000 | 7,428 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $269,000 | 7,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,012 |
| Cash dividends | $150,000 | 5,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $21,100 | 8,473 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,017,000 | 3,488 |
| Total interest expense | $3,692,000 | 1,892 |
| Net interest income | $2,325,000 | 5,228 |
| Provision for loan and lease losses | $103,000 | 4,618 |
| Total noninterest income | $966,000 | 3,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $966,000 | 2,103 |
| Total noninterest expense | $3,054,000 | 3,650 |
| Salaries and employee benefits | $1,746,000 | 3,457 |
| Premises and equipment expense | $586,000 | 2,837 |
| Additional noninterest expense | $722,000 | 4,377 |
| Pre-tax net operating income | $134,000 | 8,061 |
| Securities gains (losses) | $303,000 | 950 |
| Applicable income taxes | $147,000 | 5,126 |
| Income before extraordinary items | $290,000 | 7,005 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $290,000 | 7,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $90,020 | 8,164 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,098,000 | 3,444 |
| Total interest expense | $2,475,000 | 1,945 |
| Net interest income | $1,623,000 | 5,061 |
| Provision for loan and lease losses | $73,000 | 4,471 |
| Total noninterest income | $694,000 | 3,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $694,000 | 1,983 |
| Total noninterest expense | $2,028,000 | 3,651 |
| Salaries and employee benefits | $1,132,000 | 3,524 |
| Premises and equipment expense | $441,000 | 2,529 |
| Additional noninterest expense | $455,000 | 4,559 |
| Pre-tax net operating income | $216,000 | 7,078 |
| Securities gains (losses) | $14,000 | 2,789 |
| Applicable income taxes | $72,000 | 5,530 |
| Income before extraordinary items | $158,000 | 7,366 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $158,000 | 7,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,353 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $148,340 | 7,286 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,097,000 | 3,387 |
| Total interest expense | $1,249,000 | 1,974 |
| Net interest income | $848,000 | 4,879 |
| Provision for loan and lease losses | $43,000 | 4,044 |
| Total noninterest income | $331,000 | 3,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $331,000 | 1,971 |
| Total noninterest expense | $1,003,000 | 3,655 |
| Salaries and employee benefits | $603,000 | 3,353 |
| Premises and equipment expense | $207,000 | 2,693 |
| Additional noninterest expense | $193,000 | 5,097 |
| Pre-tax net operating income | $133,000 | 6,710 |
| Securities gains (losses) | $4,000 | 2,461 |
| Applicable income taxes | $44,000 | 5,276 |
| Income before extraordinary items | $93,000 | 7,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $93,000 | 7,030 |
| 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 | $90,280 | 6,932 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,499,000 | 2,892 |
| Total interest expense | $5,824,000 | 1,951 |
| Net interest income | $4,675,000 | 3,860 |
| Provision for loan and lease losses | $215,000 | 4,215 |
| Total noninterest income | $854,000 | 3,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $854,000 | 2,402 |
| Total noninterest expense | $3,743,000 | 3,742 |
| Salaries and employee benefits | $2,081,000 | 3,625 |
| Premises and equipment expense | $894,000 | 2,427 |
| Additional noninterest expense | $768,000 | 5,079 |
| Pre-tax net operating income | $1,571,000 | 3,996 |
| Securities gains (losses) | $60,000 | 2,237 |
| Applicable income taxes | $591,000 | 3,146 |
| Income before extraordinary items | $1,040,000 | 4,493 |
| Extraordinary gains, net | $-107,000 | 9,323 |
| Net income | $933,000 | 4,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $375,000 | 3,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,001,600 | 4,471 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,256,000 | 3,007 |
| Total interest expense | $7,261,000 | 2,209 |
| Net interest income | $3,995,000 | 4,133 |
| Provision for loan and lease losses | $62,000 | 6,322 |
| Total noninterest income | $892,000 | 3,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $892,000 | 2,215 |
| Total noninterest expense | $3,686,000 | 3,675 |
| Salaries and employee benefits | $2,026,000 | 3,560 |
| Premises and equipment expense | $686,000 | 2,999 |
| Additional noninterest expense | $974,000 | 4,157 |
| Pre-tax net operating income | $1,139,000 | 4,555 |
| Securities gains (losses) | $99,000 | 1,747 |
| Applicable income taxes | $448,000 | 3,504 |
| Income before extraordinary items | $790,000 | 4,902 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $790,000 | 4,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,448 |
| Cash dividends | $375,000 | 4,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $726,640 | 5,029 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,389,000 | 3,299 |
| Total interest expense | $7,200,000 | 2,345 |
| Net interest income | $3,189,000 | 4,932 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $700,000 | 3,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $700,000 | 2,360 |
| Total noninterest expense | $3,548,000 | 3,657 |
| Salaries and employee benefits | $1,995,000 | 3,474 |
| Premises and equipment expense | $821,000 | 2,513 |
| Additional noninterest expense | $732,000 | 5,018 |
| Pre-tax net operating income | $329,000 | 7,784 |
| Securities gains (losses) | $-284,000 | 9,630 |
| Applicable income taxes | $-70,000 | 9,532 |
| Income before extraordinary items | $115,000 | 8,610 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $115,000 | 8,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $399,000 | 6,880 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,792,000 | 3,600 |
| Total interest expense | $6,028,000 | 2,444 |
| Net interest income | $2,764,000 | 5,472 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $590,000 | 4,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $590,000 | 2,656 |
| Total noninterest expense | $3,068,000 | 4,136 |
| Salaries and employee benefits | $1,693,000 | 3,938 |
| Premises and equipment expense | $696,000 | 2,872 |
| Additional noninterest expense | $679,000 | 5,357 |
| Pre-tax net operating income | $274,000 | 8,236 |
| Securities gains (losses) | $115,000 | 689 |
| Applicable income taxes | $32,000 | 7,966 |
| Income before extraordinary items | $357,000 | 7,245 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $357,000 | 7,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 9,636 |
| Cash dividends | $150,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $251,200 | 7,902 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,896,000 | 3,571 |
| Total interest expense | $6,153,000 | 2,466 |
| Net interest income | $2,743,000 | 5,493 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $609,000 | 4,340 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $609,000 | 2,623 |
| Total noninterest expense | $2,588,000 | 4,654 |
| Salaries and employee benefits | $1,374,000 | 4,551 |
| Premises and equipment expense | $586,000 | 3,237 |
| Additional noninterest expense | $628,000 | 5,570 |
| Pre-tax net operating income | $752,000 | 6,285 |
| Securities gains (losses) | $288,000 | 759 |
| Applicable income taxes | $325,000 | 4,952 |
| Income before extraordinary items | $715,000 | 5,541 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $715,000 | 5,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,193 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $516,280 | 6,393 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,092,000 | 3,551 |
| Total interest expense | $6,088,000 | 2,466 |
| Net interest income | $3,004,000 | 5,298 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $680,000 | 4,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $680,000 | 2,259 |
| Total noninterest expense | $2,721,000 | 4,450 |
| Salaries and employee benefits | $1,463,000 | 4,344 |
| Premises and equipment expense | $556,000 | 3,386 |
| Additional noninterest expense | $702,000 | 5,209 |
| Pre-tax net operating income | $951,000 | 5,984 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $289,000 | 5,829 |
| Income before extraordinary items | $662,000 | 6,059 |
| Extraordinary gains, net | $70,000 | 15 |
| Net income | $732,000 | 5,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,380 |
| Cash dividends | $225,000 | 5,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $662,000 | 6,015 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,918,000 | 3,647 |
| Total interest expense | $6,048,000 | 2,531 |
| Net interest income | $2,870,000 | 5,632 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $780,000 | 3,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $780,000 | 2,142 |
| Total noninterest expense | $3,742,000 | 3,547 |
| Salaries and employee benefits | $1,315,000 | 4,809 |
| Premises and equipment expense | $575,000 | 3,347 |
| Additional noninterest expense | $1,852,000 | 2,628 |
| Pre-tax net operating income | $-104,000 | 10,961 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $26,000 | 10,095 |
| Income before extraordinary items | $-130,000 | 11,036 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-130,000 | 11,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-130,000 | 10,995 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,798,000 | 3,694 |
| Total interest expense | $5,834,000 | 2,628 |
| Net interest income | $2,964,000 | 5,548 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $726,000 | 3,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $726,000 | 2,242 |
| Total noninterest expense | $2,737,000 | 4,614 |
| Salaries and employee benefits | $1,272,000 | 4,953 |
| Premises and equipment expense | $626,000 | 3,100 |
| Additional noninterest expense | $839,000 | 5,053 |
| Pre-tax net operating income | $941,000 | 6,230 |
| Securities gains (losses) | $57,000 | 1,220 |
| Applicable income taxes | $299,000 | 6,006 |
| Income before extraordinary items | $699,000 | 6,003 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $699,000 | 6,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,497 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $659,100 | 6,229 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,634,000 | 3,902 |
| Total interest expense | $4,212,000 | 2,898 |
| Net interest income | $3,422,000 | 5,037 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $616,000 | 4,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $616,000 | 2,537 |
| Total noninterest expense | $2,548,000 | 5,075 |
| Salaries and employee benefits | $1,183,000 | 5,307 |
| Premises and equipment expense | $589,000 | 3,322 |
| Additional noninterest expense | $776,000 | 5,846 |
| Pre-tax net operating income | $1,478,000 | 4,467 |
| Securities gains (losses) | $71,000 | 951 |
| Applicable income taxes | $521,000 | 3,929 |
| Income before extraordinary items | $1,028,000 | 4,432 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,028,000 | 4,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $981,140 | 4,640 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,962,000 | 3,834 |
| Total interest expense | $4,238,000 | 3,009 |
| Net interest income | $3,724,000 | 4,704 |
| Provision for loan and lease losses | $22,000 | 8,943 |
| Total noninterest income | $728,000 | 4,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $728,000 | 2,529 |
| Total noninterest expense | $2,362,000 | 5,537 |
| Salaries and employee benefits | $1,171,000 | 5,341 |
| Premises and equipment expense | $550,000 | 3,570 |
| Additional noninterest expense | $641,000 | 7,003 |
| Pre-tax net operating income | $2,068,000 | 3,204 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $718,000 | 3,046 |
| Income before extraordinary items | $1,350,000 | 3,579 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,350,000 | 3,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 946 |
| Net operating income | $1,350,000 | 3,384 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,730,000 | 3,964 |
| Total interest expense | $5,121,000 | 3,246 |
| Net interest income | $3,609,000 | 4,869 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $898,000 | 3,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $898,000 | 2,150 |
| Total noninterest expense | $2,371,000 | 5,545 |
| Salaries and employee benefits | $1,133,000 | 5,450 |
| Premises and equipment expense | $517,000 | 3,851 |
| Additional noninterest expense | $721,000 | 6,614 |
| Pre-tax net operating income | $2,106,000 | 2,954 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $653,000 | 3,194 |
| Income before extraordinary items | $1,453,000 | 3,173 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,453,000 | 3,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $118,000 | 6,277 |
| Sale, conversion, retirement of capital stock, net | $187,000 | 746 |
| Net operating income | $1,453,000 | 2,940 |
* 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.