Home > Charleston Federal Savings and Loan Association > Income and Expense
Charleston Federal Savings and Loan Association, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 7,732 |
| Total interest expense | $732,000 | 6,933 |
| Net interest income | $424,000 | 8,134 |
| Provision for loan and lease losses | $-2,000 | 8,257 |
| Total noninterest income | $80,000 | 7,349 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $80,000 | 5,953 |
| Total noninterest expense | $508,000 | 7,985 |
| Salaries and employee benefits | $258,000 | 8,043 |
| Premises and equipment expense | $142,000 | 6,818 |
| Additional noninterest expense | $108,000 | 8,144 |
| Pre-tax net operating income | $-2,000 | 6,743 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,000 | 5,168 |
| Income before extraordinary items | $-4,000 | 6,604 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,000 | 6,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,000 | 6,772 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $790,000 | 7,781 |
| Total interest expense | $507,000 | 6,982 |
| Net interest income | $283,000 | 8,186 |
| Provision for loan and lease losses | $-2,000 | 8,311 |
| Total noninterest income | $52,000 | 7,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $52,000 | 6,079 |
| Total noninterest expense | $337,000 | 8,052 |
| Salaries and employee benefits | $174,000 | 8,099 |
| Premises and equipment expense | $95,000 | 6,841 |
| Additional noninterest expense | $68,000 | 8,228 |
| Pre-tax net operating income | $0 | 6,933 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,000 | 5,487 |
| Income before extraordinary items | $-1,000 | 7,015 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,000 | 7,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,000 | 6,968 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $405,000 | 7,830 |
| Total interest expense | $265,000 | 7,043 |
| Net interest income | $140,000 | 8,243 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $25,000 | 7,510 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $25,000 | 6,173 |
| Total noninterest expense | $173,000 | 8,067 |
| Salaries and employee benefits | $90,000 | 8,109 |
| Premises and equipment expense | $50,000 | 6,769 |
| Additional noninterest expense | $33,000 | 8,272 |
| Pre-tax net operating income | $-8,000 | 7,232 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-8,000 | 7,328 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,000 | 7,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-8,000 | 7,250 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,623,000 | 7,829 |
| Total interest expense | $1,012,000 | 7,152 |
| Net interest income | $611,000 | 8,178 |
| Provision for loan and lease losses | $5,000 | 6,721 |
| Total noninterest income | $102,000 | 7,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $102,000 | 6,187 |
| Total noninterest expense | $672,000 | 8,128 |
| Salaries and employee benefits | $340,000 | 8,192 |
| Premises and equipment expense | $196,000 | 6,767 |
| Additional noninterest expense | $136,000 | 8,317 |
| Pre-tax net operating income | $36,000 | 7,330 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,000 | 5,687 |
| Income before extraordinary items | $28,000 | 7,404 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $28,000 | 7,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $28,000 | 7,373 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,202,000 | 7,896 |
| Total interest expense | $740,000 | 7,222 |
| Net interest income | $462,000 | 8,237 |
| Provision for loan and lease losses | $3,000 | 6,442 |
| Total noninterest income | $77,000 | 7,578 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $77,000 | 6,222 |
| Total noninterest expense | $507,000 | 8,098 |
| Salaries and employee benefits | $254,000 | 8,184 |
| Premises and equipment expense | $149,000 | 6,738 |
| Additional noninterest expense | $104,000 | 8,302 |
| Pre-tax net operating income | $29,000 | 7,568 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $6,000 | 5,862 |
| Income before extraordinary items | $23,000 | 7,601 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $23,000 | 7,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $23,000 | 7,588 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $778,000 | 7,977 |
| Total interest expense | $478,000 | 7,294 |
| Net interest income | $300,000 | 8,311 |
| Provision for loan and lease losses | $1,000 | 6,174 |
| Total noninterest income | $55,000 | 7,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $55,000 | 6,129 |
| Total noninterest expense | $340,000 | 8,138 |
| Salaries and employee benefits | $169,000 | 8,248 |
| Premises and equipment expense | $102,000 | 6,740 |
| Additional noninterest expense | $69,000 | 8,350 |
| Pre-tax net operating income | $14,000 | 7,713 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,000 | 6,009 |
| Income before extraordinary items | $11,000 | 7,739 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $11,000 | 7,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $11,000 | 7,725 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $382,000 | 8,036 |
| Total interest expense | $230,000 | 7,376 |
| Net interest income | $152,000 | 8,359 |
| Provision for loan and lease losses | $1,000 | 5,727 |
| Total noninterest income | $28,000 | 7,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $171,000 | 8,164 |
| Salaries and employee benefits | $86,000 | 8,280 |
| Premises and equipment expense | $50,000 | 6,802 |
| Additional noninterest expense | $35,000 | 8,371 |
| Pre-tax net operating income | $8,000 | 7,763 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,000 | 5,948 |
| Income before extraordinary items | $6,000 | 7,794 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $6,000 | 7,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $6,000 | 7,773 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,345,000 | 8,039 |
| Total interest expense | $751,000 | 7,423 |
| Net interest income | $594,000 | 8,332 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $115,000 | 7,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $115,000 | 6,084 |
| Total noninterest expense | $625,000 | 8,282 |
| Salaries and employee benefits | $334,000 | 8,304 |
| Premises and equipment expense | $164,000 | 7,094 |
| Additional noninterest expense | $127,000 | 8,462 |
| Pre-tax net operating income | $84,000 | 7,754 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $16,000 | 5,999 |
| Income before extraordinary items | $68,000 | 7,794 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $68,000 | 7,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $68,000 | 7,783 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $982,000 | 8,135 |
| Total interest expense | $535,000 | 7,509 |
| Net interest income | $447,000 | 8,406 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $87,000 | 7,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 6,082 |
| Total noninterest expense | $467,000 | 8,299 |
| Salaries and employee benefits | $248,000 | 8,323 |
| Premises and equipment expense | $123,000 | 7,118 |
| Additional noninterest expense | $96,000 | 8,508 |
| Pre-tax net operating income | $67,000 | 7,915 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $13,000 | 6,132 |
| Income before extraordinary items | $54,000 | 7,945 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $54,000 | 7,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $54,000 | 7,938 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $637,000 | 8,191 |
| Total interest expense | $336,000 | 7,553 |
| Net interest income | $301,000 | 8,458 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $53,000 | 7,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,289 |
| Total noninterest expense | $313,000 | 8,333 |
| Salaries and employee benefits | $167,000 | 8,368 |
| Premises and equipment expense | $81,000 | 7,165 |
| Additional noninterest expense | $65,000 | 8,526 |
| Pre-tax net operating income | $41,000 | 8,000 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $8,000 | 6,196 |
| Income before extraordinary items | $33,000 | 8,013 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $33,000 | 8,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $33,000 | 8,011 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $310,000 | 8,229 |
| Total interest expense | $157,000 | 7,610 |
| Net interest income | $153,000 | 8,473 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $25,000 | 7,837 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $155,000 | 8,361 |
| Salaries and employee benefits | $85,000 | 8,376 |
| Premises and equipment expense | $39,000 | 7,256 |
| Additional noninterest expense | $31,000 | 8,569 |
| Pre-tax net operating income | $23,000 | 8,001 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $18,000 | 8,005 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $18,000 | 8,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $18,000 | 8,000 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,097,000 | 8,249 |
| Total interest expense | $506,000 | 7,599 |
| Net interest income | $591,000 | 8,456 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $94,000 | 7,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $94,000 | 6,501 |
| Total noninterest expense | $598,000 | 8,430 |
| Salaries and employee benefits | $323,000 | 8,420 |
| Premises and equipment expense | $135,000 | 7,461 |
| Additional noninterest expense | $140,000 | 8,536 |
| Pre-tax net operating income | $87,000 | 8,030 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $25,000 | 6,237 |
| Income before extraordinary items | $62,000 | 8,106 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $62,000 | 8,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,288 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $62,000 | 8,077 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $799,000 | 8,309 |
| Total interest expense | $353,000 | 7,666 |
| Net interest income | $446,000 | 8,495 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $69,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $69,000 | 6,541 |
| Total noninterest expense | $451,000 | 8,399 |
| Salaries and employee benefits | $243,000 | 8,419 |
| Premises and equipment expense | $100,000 | 7,471 |
| Additional noninterest expense | $108,000 | 8,526 |
| Pre-tax net operating income | $64,000 | 8,135 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $16,000 | 6,381 |
| Income before extraordinary items | $48,000 | 8,194 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $48,000 | 8,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $48,000 | 8,161 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $518,000 | 8,348 |
| Total interest expense | $221,000 | 7,696 |
| Net interest income | $297,000 | 8,515 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $44,000 | 8,099 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $44,000 | 6,606 |
| Total noninterest expense | $301,000 | 8,398 |
| Salaries and employee benefits | $166,000 | 8,406 |
| Premises and equipment expense | $65,000 | 7,507 |
| Additional noninterest expense | $70,000 | 8,533 |
| Pre-tax net operating income | $40,000 | 8,178 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,000 | 6,480 |
| Income before extraordinary items | $32,000 | 8,220 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $32,000 | 8,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $32,000 | 8,184 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $252,000 | 8,441 |
| Total interest expense | $106,000 | 7,755 |
| Net interest income | $146,000 | 8,604 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $21,000 | 8,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $152,000 | 8,462 |
| Salaries and employee benefits | $85,000 | 8,456 |
| Premises and equipment expense | $33,000 | 7,563 |
| Additional noninterest expense | $34,000 | 8,610 |
| Pre-tax net operating income | $15,000 | 8,306 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $12,000 | 8,334 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $12,000 | 8,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $12,000 | 8,306 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $963,000 | 8,425 |
| Total interest expense | $409,000 | 7,653 |
| Net interest income | $554,000 | 8,600 |
| Provision for loan and lease losses | $1,000 | 7,299 |
| Total noninterest income | $97,000 | 8,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $97,000 | 6,480 |
| Total noninterest expense | $583,000 | 8,555 |
| Salaries and employee benefits | $332,000 | 8,515 |
| Premises and equipment expense | $126,000 | 7,636 |
| Additional noninterest expense | $125,000 | 8,708 |
| Pre-tax net operating income | $67,000 | 8,201 |
| Securities gains (losses) | $13,000 | 2,682 |
| Applicable income taxes | $12,000 | 6,712 |
| Income before extraordinary items | $68,000 | 8,220 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $68,000 | 8,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $56,950 | 8,214 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $712,000 | 8,479 |
| Total interest expense | $308,000 | 7,662 |
| Net interest income | $404,000 | 8,667 |
| Provision for loan and lease losses | $1,000 | 7,077 |
| Total noninterest income | $75,000 | 8,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $75,000 | 6,422 |
| Total noninterest expense | $441,000 | 8,537 |
| Salaries and employee benefits | $252,000 | 8,505 |
| Premises and equipment expense | $96,000 | 7,602 |
| Additional noninterest expense | $93,000 | 8,746 |
| Pre-tax net operating income | $37,000 | 8,345 |
| Securities gains (losses) | $13,000 | 2,563 |
| Applicable income taxes | $6,000 | 6,914 |
| Income before extraordinary items | $44,000 | 8,341 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $44,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $32,560 | 8,343 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $468,000 | 8,548 |
| Total interest expense | $207,000 | 7,715 |
| Net interest income | $261,000 | 8,739 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $47,000 | 8,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $47,000 | 6,544 |
| Total noninterest expense | $294,000 | 8,589 |
| Salaries and employee benefits | $172,000 | 8,532 |
| Premises and equipment expense | $64,000 | 7,627 |
| Additional noninterest expense | $58,000 | 8,842 |
| Pre-tax net operating income | $14,000 | 8,447 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $25,000 | 8,417 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $25,000 | 8,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $12,910 | 8,439 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $227,000 | 8,625 |
| Total interest expense | $108,000 | 7,717 |
| Net interest income | $119,000 | 8,819 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $22,000 | 8,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $152,000 | 8,592 |
| Salaries and employee benefits | $89,000 | 8,531 |
| Premises and equipment expense | $34,000 | 7,562 |
| Additional noninterest expense | $29,000 | 8,867 |
| Pre-tax net operating income | $-11,000 | 8,611 |
| Securities gains (losses) | $13,000 | 1,918 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $0 | 8,589 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $0 | 8,590 |
| 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 | $-8,320 | 8,590 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,100,000 | 8,499 |
| Total interest expense | $607,000 | 7,364 |
| Net interest income | $493,000 | 8,815 |
| Provision for loan and lease losses | $1,000 | 7,629 |
| Total noninterest income | $131,000 | 7,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $131,000 | 6,069 |
| Total noninterest expense | $685,000 | 8,483 |
| Salaries and employee benefits | $350,000 | 8,589 |
| Premises and equipment expense | $183,000 | 6,987 |
| Additional noninterest expense | $152,000 | 8,750 |
| Pre-tax net operating income | $-62,000 | 8,611 |
| Securities gains (losses) | $29,000 | 2,952 |
| Applicable income taxes | $-13,000 | 8,778 |
| Income before extraordinary items | $-20,000 | 8,656 |
| Extraordinary gains, net | $6,000 | 46 |
| Net income | $-14,000 | 8,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-38,560 | 8,597 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $845,000 | 8,562 |
| Total interest expense | $484,000 | 7,394 |
| Net interest income | $361,000 | 8,903 |
| Provision for loan and lease losses | $-1,000 | 9,003 |
| Total noninterest income | $99,000 | 8,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $99,000 | 6,099 |
| Total noninterest expense | $530,000 | 8,455 |
| Salaries and employee benefits | $262,000 | 8,603 |
| Premises and equipment expense | $155,000 | 6,699 |
| Additional noninterest expense | $113,000 | 8,789 |
| Pre-tax net operating income | $-69,000 | 8,739 |
| Securities gains (losses) | $29,000 | 2,717 |
| Applicable income taxes | $-15,000 | 8,939 |
| Income before extraordinary items | $-25,000 | 8,768 |
| Extraordinary gains, net | $6,000 | 34 |
| Net income | $-19,000 | 8,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-43,560 | 8,712 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $596,000 | 8,557 |
| Total interest expense | $345,000 | 7,364 |
| Net interest income | $251,000 | 8,921 |
| Provision for loan and lease losses | $-2,000 | 9,071 |
| Total noninterest income | $65,000 | 8,044 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $65,000 | 6,111 |
| Total noninterest expense | $380,000 | 8,374 |
| Salaries and employee benefits | $176,000 | 8,610 |
| Premises and equipment expense | $129,000 | 6,077 |
| Additional noninterest expense | $75,000 | 8,799 |
| Pre-tax net operating income | $-62,000 | 8,785 |
| Securities gains (losses) | $18,000 | 2,668 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $-45,000 | 8,856 |
| Extraordinary gains, net | $6,000 | 26 |
| Net income | $-39,000 | 8,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,202 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-63,000 | 8,778 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $321,000 | 8,526 |
| Total interest expense | $178,000 | 7,383 |
| Net interest income | $143,000 | 8,892 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $34,000 | 7,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 5,990 |
| Total noninterest expense | $230,000 | 8,094 |
| Salaries and employee benefits | $90,000 | 8,635 |
| Premises and equipment expense | $101,000 | 4,667 |
| Additional noninterest expense | $39,000 | 8,811 |
| Pre-tax net operating income | $-57,000 | 8,902 |
| Securities gains (losses) | $6,000 | 2,344 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $-52,000 | 8,958 |
| Extraordinary gains, net | $6,000 | 15 |
| Net income | $-46,000 | 8,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-58,000 | 8,884 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,553,000 | 8,315 |
| Total interest expense | $810,000 | 7,485 |
| Net interest income | $743,000 | 8,674 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $115,000 | 8,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $115,000 | 6,152 |
| Total noninterest expense | $655,000 | 8,638 |
| Salaries and employee benefits | $334,000 | 8,752 |
| Premises and equipment expense | $179,000 | 7,044 |
| Additional noninterest expense | $142,000 | 8,939 |
| Pre-tax net operating income | $173,000 | 8,036 |
| Securities gains (losses) | $19,000 | 3,191 |
| Applicable income taxes | $77,000 | 6,198 |
| Income before extraordinary items | $115,000 | 8,259 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $115,000 | 8,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,476 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $102,840 | 8,231 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,884,000 | 8,341 |
| Total interest expense | $1,259,000 | 7,492 |
| Net interest income | $625,000 | 8,993 |
| Provision for loan and lease losses | $10,000 | 7,930 |
| Total noninterest income | $102,000 | 8,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $102,000 | 6,397 |
| Total noninterest expense | $597,000 | 8,942 |
| Salaries and employee benefits | $316,000 | 9,000 |
| Premises and equipment expense | $145,000 | 7,606 |
| Additional noninterest expense | $136,000 | 9,152 |
| Pre-tax net operating income | $120,000 | 8,240 |
| Securities gains (losses) | $19,000 | 3,188 |
| Applicable income taxes | $37,000 | 6,929 |
| Income before extraordinary items | $102,000 | 8,316 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $102,000 | 8,314 |
| 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 | $0 | 922 |
| Net operating income | $88,130 | 8,307 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,002,000 | 8,411 |
| Total interest expense | $1,272,000 | 7,640 |
| Net interest income | $730,000 | 9,044 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $87,000 | 8,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $87,000 | 6,735 |
| Total noninterest expense | $602,000 | 9,082 |
| Salaries and employee benefits | $303,000 | 9,239 |
| Premises and equipment expense | $168,000 | 7,276 |
| Additional noninterest expense | $131,000 | 9,407 |
| Pre-tax net operating income | $215,000 | 8,304 |
| Securities gains (losses) | $18,000 | 979 |
| Applicable income taxes | $66,000 | 6,992 |
| Income before extraordinary items | $167,000 | 8,304 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $167,000 | 8,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $154,040 | 8,397 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,829,000 | 8,684 |
| Total interest expense | $1,180,000 | 7,698 |
| Net interest income | $649,000 | 9,398 |
| Provision for loan and lease losses | $-1,000 | 9,950 |
| Total noninterest income | $100,000 | 8,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $100,000 | 6,650 |
| Total noninterest expense | $606,000 | 9,301 |
| Salaries and employee benefits | $303,000 | 9,451 |
| Premises and equipment expense | $155,000 | 7,576 |
| Additional noninterest expense | $148,000 | 9,525 |
| Pre-tax net operating income | $144,000 | 8,835 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $52,000 | 7,609 |
| Income before extraordinary items | $92,000 | 9,022 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $92,000 | 9,020 |
| 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 | $92,000 | 8,988 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,879,000 | 8,832 |
| Total interest expense | $1,240,000 | 7,811 |
| Net interest income | $639,000 | 9,639 |
| Provision for loan and lease losses | $1,000 | 8,622 |
| Total noninterest income | $110,000 | 8,845 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $110,000 | 6,403 |
| Total noninterest expense | $576,000 | 9,527 |
| Salaries and employee benefits | $276,000 | 9,750 |
| Premises and equipment expense | $152,000 | 7,600 |
| Additional noninterest expense | $148,000 | 9,677 |
| Pre-tax net operating income | $172,000 | 9,052 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $37,000 | 8,566 |
| Income before extraordinary items | $135,000 | 9,081 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $135,000 | 9,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $135,000 | 9,011 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,960,000 | 9,060 |
| Total interest expense | $1,209,000 | 8,088 |
| Net interest income | $751,000 | 9,805 |
| Provision for loan and lease losses | $4,000 | 8,695 |
| Total noninterest income | $111,000 | 9,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $111,000 | 6,492 |
| Total noninterest expense | $543,000 | 9,965 |
| Salaries and employee benefits | $254,000 | 10,246 |
| Premises and equipment expense | $147,000 | 7,862 |
| Additional noninterest expense | $142,000 | 10,096 |
| Pre-tax net operating income | $315,000 | 8,912 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $120,000 | 8,093 |
| Income before extraordinary items | $195,000 | 9,198 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $195,000 | 9,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $195,000 | 9,149 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,862,000 | 9,569 |
| Total interest expense | $1,140,000 | 8,563 |
| Net interest income | $722,000 | 10,324 |
| Provision for loan and lease losses | $14,000 | 8,292 |
| Total noninterest income | $119,000 | 9,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $119,000 | 6,619 |
| Total noninterest expense | $719,000 | 9,741 |
| Salaries and employee benefits | $247,000 | 10,735 |
| Premises and equipment expense | $138,000 | 8,337 |
| Additional noninterest expense | $334,000 | 8,528 |
| Pre-tax net operating income | $108,000 | 10,329 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $24,000 | 10,128 |
| Income before extraordinary items | $84,000 | 10,360 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $84,000 | 10,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $84,000 | 10,316 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,687,000 | 10,205 |
| Total interest expense | $1,065,000 | 9,017 |
| Net interest income | $622,000 | 11,065 |
| Provision for loan and lease losses | $3,000 | 8,797 |
| Total noninterest income | $98,000 | 10,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $98,000 | 7,303 |
| Total noninterest expense | $538,000 | 10,852 |
| Salaries and employee benefits | $237,000 | 11,253 |
| Premises and equipment expense | $132,000 | 8,739 |
| Additional noninterest expense | $169,000 | 10,825 |
| Pre-tax net operating income | $179,000 | 10,589 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $60,000 | 9,978 |
| Income before extraordinary items | $119,000 | 10,760 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $119,000 | 10,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $119,000 | 10,733 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,482,000 | 10,766 |
| Total interest expense | $825,000 | 9,475 |
| Net interest income | $657,000 | 11,527 |
| Provision for loan and lease losses | $-3,000 | 11,697 |
| Total noninterest income | $106,000 | 10,599 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $106,000 | 7,329 |
| Total noninterest expense | $529,000 | 11,457 |
| Salaries and employee benefits | $227,000 | 11,865 |
| Premises and equipment expense | $127,000 | 9,189 |
| Additional noninterest expense | $175,000 | 11,469 |
| Pre-tax net operating income | $237,000 | 10,605 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $74,000 | 9,948 |
| Income before extraordinary items | $163,000 | 10,679 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $163,000 | 10,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $163,000 | 10,717 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,686,000 | 10,836 |
| Total interest expense | $906,000 | 9,523 |
| Net interest income | $780,000 | 11,582 |
| Provision for loan and lease losses | $4,000 | 10,179 |
| Total noninterest income | $95,000 | 11,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $95,000 | 8,045 |
| Total noninterest expense | $542,000 | 11,957 |
| Salaries and employee benefits | $220,000 | 12,461 |
| Premises and equipment expense | $133,000 | 9,383 |
| Additional noninterest expense | $189,000 | 11,881 |
| Pre-tax net operating income | $329,000 | 9,991 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $109,000 | 9,529 |
| Income before extraordinary items | $220,000 | 10,418 |
| Extraordinary gains, net | $34,000 | 2,416 |
| Net income | $254,000 | 10,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $220,000 | 10,178 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,173,000 | 10,529 |
| Total interest expense | $1,434,000 | 8,730 |
| Net interest income | $739,000 | 12,157 |
| Provision for loan and lease losses | $-4,000 | 13,439 |
| Total noninterest income | $86,000 | 12,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $86,000 | 8,594 |
| Total noninterest expense | $555,000 | 12,329 |
| Salaries and employee benefits | $229,000 | 12,842 |
| Premises and equipment expense | $136,000 | 9,504 |
| Additional noninterest expense | $190,000 | 12,374 |
| Pre-tax net operating income | $274,000 | 10,381 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $94,000 | 10,072 |
| Income before extraordinary items | $180,000 | 10,869 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $180,000 | 10,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $180,000 | 10,537 |
* 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.