Home > Choice Bank > Income and Expense
Choice Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,399,000 | 1,897 |
| Total interest expense | $2,714,000 | 1,732 |
| Net interest income | $2,685,000 | 2,075 |
| Provision for loan and lease losses | $1,450,000 | 490 |
| Total noninterest income | $301,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $7,000 | 7,034 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $294,000 | 2,001 |
| Total noninterest expense | $2,108,000 | 2,265 |
| Salaries and employee benefits | $1,226,000 | 2,137 |
| Premises and equipment expense | $356,000 | 1,915 |
| Additional noninterest expense | $526,000 | 2,600 |
| Pre-tax net operating income | $-572,000 | 8,128 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-187,000 | 8,252 |
| Income before extraordinary items | $-385,000 | 8,064 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-385,000 | 8,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,589 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 560 |
| Net operating income | $-385,000 | 8,046 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,077,000 | 2,281 |
| Total interest expense | $8,116,000 | 2,290 |
| Net interest income | $9,961,000 | 2,255 |
| Provision for loan and lease losses | $1,435,000 | 1,094 |
| Total noninterest income | $1,696,000 | 2,492 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $7,000 | 7,355 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,689,000 | 1,540 |
| Total noninterest expense | $7,566,000 | 2,413 |
| Salaries and employee benefits | $4,879,000 | 2,069 |
| Premises and equipment expense | $888,000 | 2,832 |
| Additional noninterest expense | $1,799,000 | 2,928 |
| Pre-tax net operating income | $2,656,000 | 2,698 |
| Securities gains (losses) | $31,000 | 956 |
| Applicable income taxes | $930,000 | 1,946 |
| Income before extraordinary items | $1,757,000 | 3,099 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,757,000 | 3,098 |
| 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 | $169,000 | 806 |
| Net operating income | $1,736,850 | 3,109 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,587,000 | 2,447 |
| Total interest expense | $5,634,000 | 2,457 |
| Net interest income | $6,953,000 | 2,412 |
| Provision for loan and lease losses | $985,000 | 917 |
| Total noninterest income | $1,409,000 | 2,318 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $7,000 | 7,342 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,402,000 | 1,443 |
| Total noninterest expense | $5,667,000 | 2,390 |
| Salaries and employee benefits | $3,779,000 | 1,990 |
| Premises and equipment expense | $575,000 | 3,179 |
| Additional noninterest expense | $1,313,000 | 2,951 |
| Pre-tax net operating income | $1,710,000 | 3,198 |
| Securities gains (losses) | $31,000 | 729 |
| Applicable income taxes | $699,000 | 2,089 |
| Income before extraordinary items | $1,042,000 | 3,799 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,042,000 | 3,798 |
| 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 | $45,000 | 913 |
| Net operating income | $1,022,160 | 3,828 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,569,000 | 2,675 |
| Total interest expense | $3,534,000 | 2,596 |
| Net interest income | $4,035,000 | 2,732 |
| Provision for loan and lease losses | $540,000 | 962 |
| Total noninterest income | $999,000 | 2,249 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $5,000 | 7,379 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $994,000 | 1,408 |
| Total noninterest expense | $3,599,000 | 2,538 |
| Salaries and employee benefits | $2,394,000 | 2,141 |
| Premises and equipment expense | $368,000 | 3,306 |
| Additional noninterest expense | $837,000 | 3,078 |
| Pre-tax net operating income | $895,000 | 3,771 |
| Securities gains (losses) | $31,000 | 616 |
| Applicable income taxes | $365,000 | 2,497 |
| Income before extraordinary items | $561,000 | 4,304 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $561,000 | 4,304 |
| 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 | $2,000 | 1,025 |
| Net operating income | $541,160 | 4,375 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,415,000 | 2,934 |
| Total interest expense | $1,642,000 | 2,752 |
| Net interest income | $1,773,000 | 3,078 |
| Provision for loan and lease losses | $180,000 | 1,262 |
| Total noninterest income | $372,000 | 2,693 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $2,000 | 7,430 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $370,000 | 1,690 |
| Total noninterest expense | $1,534,000 | 2,926 |
| Salaries and employee benefits | $990,000 | 2,567 |
| Premises and equipment expense | $129,000 | 4,299 |
| Additional noninterest expense | $415,000 | 3,075 |
| Pre-tax net operating income | $431,000 | 3,829 |
| Securities gains (losses) | $32,000 | 472 |
| Applicable income taxes | $176,000 | 2,572 |
| Income before extraordinary items | $287,000 | 4,290 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $287,000 | 4,292 |
| 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 | $266,520 | 4,411 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,379,000 | 6,500 |
| Total interest expense | $1,792,000 | 5,705 |
| Net interest income | $1,587,000 | 7,067 |
| Provision for loan and lease losses | $171,000 | 3,848 |
| Total noninterest income | $421,000 | 5,490 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,000 | 7,527 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $417,000 | 3,663 |
| Total noninterest expense | $1,898,000 | 6,301 |
| Salaries and employee benefits | $1,300,000 | 5,654 |
| Premises and equipment expense | $140,000 | 7,374 |
| Additional noninterest expense | $458,000 | 6,745 |
| Pre-tax net operating income | $-61,000 | 8,020 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-23,000 | 8,226 |
| Income before extraordinary items | $-38,000 | 8,024 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-38,000 | 8,026 |
| 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 | $4,000 | 1,208 |
| Net operating income | $-38,000 | 8,015 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $736,000 | 8,357 |
| Total interest expense | $364,000 | 7,975 |
| Net interest income | $372,000 | 8,479 |
| Provision for loan and lease losses | $17,000 | 6,141 |
| Total noninterest income | $100,000 | 7,511 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $3,000 | 7,593 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $97,000 | 5,900 |
| Total noninterest expense | $317,000 | 8,570 |
| Salaries and employee benefits | $216,000 | 8,436 |
| Premises and equipment expense | $39,000 | 8,389 |
| Additional noninterest expense | $62,000 | 8,649 |
| Pre-tax net operating income | $138,000 | 7,675 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $59,000 | 5,330 |
| Income before extraordinary items | $79,000 | 7,831 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $79,000 | 7,833 |
| 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 | $4,000 | 1,004 |
| Net operating income | $79,000 | 7,831 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,906,000 | 4,201 |
| Total interest expense | $1,481,000 | 4,146 |
| Net interest income | $2,425,000 | 4,132 |
| Provision for loan and lease losses | $162,000 | 2,467 |
| Total noninterest income | $752,000 | 2,704 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $19,000 | 7,200 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $733,000 | 1,700 |
| Total noninterest expense | $2,108,000 | 3,836 |
| Salaries and employee benefits | $1,257,000 | 3,610 |
| Premises and equipment expense | $241,000 | 4,371 |
| Additional noninterest expense | $610,000 | 3,863 |
| Pre-tax net operating income | $907,000 | 4,028 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $394,000 | 2,644 |
| Income before extraordinary items | $513,000 | 4,816 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $513,000 | 4,820 |
| 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 | $4,000 | 839 |
| Net operating income | $513,000 | 4,804 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,827,000 | 4,336 |
| Total interest expense | $678,000 | 4,256 |
| Net interest income | $1,149,000 | 4,287 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $377,000 | 2,647 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $10,000 | 7,160 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $367,000 | 1,662 |
| Total noninterest expense | $1,012,000 | 3,991 |
| Salaries and employee benefits | $639,000 | 3,591 |
| Premises and equipment expense | $120,000 | 4,409 |
| Additional noninterest expense | $253,000 | 4,436 |
| Pre-tax net operating income | $479,000 | 3,844 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $207,000 | 2,558 |
| Income before extraordinary items | $272,000 | 4,656 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $272,000 | 4,656 |
| 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 | $1,000 | 629 |
| Net operating income | $272,000 | 4,642 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,946,000 | 5,183 |
| Total interest expense | $1,358,000 | 5,497 |
| Net interest income | $3,588,000 | 4,947 |
| Provision for loan and lease losses | $270,000 | 3,029 |
| Total noninterest income | $2,172,000 | 2,085 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $29,000 | 7,363 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,143,000 | 1,295 |
| Total noninterest expense | $4,190,000 | 3,729 |
| Salaries and employee benefits | $2,701,000 | 3,259 |
| Premises and equipment expense | $473,000 | 4,341 |
| Additional noninterest expense | $1,016,000 | 4,369 |
| Pre-tax net operating income | $1,300,000 | 4,724 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $559,000 | 3,180 |
| Income before extraordinary items | $741,000 | 5,539 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $741,000 | 5,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $122,000 | 699 |
| Net operating income | $741,000 | 5,506 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,288,000 | 5,533 |
| Total interest expense | $835,000 | 5,901 |
| Net interest income | $2,453,000 | 5,226 |
| Provision for loan and lease losses | $254,000 | 2,520 |
| Total noninterest income | $1,675,000 | 2,031 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 7,448 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,655,000 | 1,261 |
| Total noninterest expense | $3,114,000 | 3,730 |
| Salaries and employee benefits | $2,013,000 | 3,256 |
| Premises and equipment expense | $344,000 | 4,415 |
| Additional noninterest expense | $757,000 | 4,365 |
| Pre-tax net operating income | $760,000 | 5,459 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $328,000 | 3,640 |
| Income before extraordinary items | $432,000 | 6,212 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $432,000 | 6,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $432,000 | 6,174 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,908,000 | 5,877 |
| Total interest expense | $490,000 | 6,092 |
| Net interest income | $1,418,000 | 5,675 |
| Provision for loan and lease losses | $143,000 | 2,770 |
| Total noninterest income | $1,100,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $12,000 | 7,482 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,088,000 | 1,262 |
| Total noninterest expense | $1,988,000 | 3,824 |
| Salaries and employee benefits | $1,267,000 | 3,399 |
| Premises and equipment expense | $231,000 | 4,365 |
| Additional noninterest expense | $490,000 | 4,444 |
| Pre-tax net operating income | $387,000 | 6,061 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $161,000 | 4,140 |
| Income before extraordinary items | $226,000 | 6,703 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $226,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $226,000 | 6,652 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $832,000 | 6,271 |
| Total interest expense | $211,000 | 6,398 |
| Net interest income | $621,000 | 6,115 |
| Provision for loan and lease losses | $71,000 | 2,655 |
| Total noninterest income | $544,000 | 2,018 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $5,000 | 7,590 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $539,000 | 1,262 |
| Total noninterest expense | $942,000 | 4,023 |
| Salaries and employee benefits | $580,000 | 3,666 |
| Premises and equipment expense | $118,000 | 4,349 |
| Additional noninterest expense | $244,000 | 4,430 |
| Pre-tax net operating income | $152,000 | 6,532 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $60,000 | 4,523 |
| Income before extraordinary items | $92,000 | 7,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $92,000 | 7,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $92,000 | 6,998 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,077,000 | 7,306 |
| Total interest expense | $494,000 | 7,323 |
| Net interest income | $1,583,000 | 7,199 |
| Provision for loan and lease losses | $136,000 | 4,421 |
| Total noninterest income | $1,692,000 | 2,470 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $25,000 | 7,607 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,667,000 | 1,513 |
| Total noninterest expense | $2,793,000 | 4,906 |
| Salaries and employee benefits | $1,687,000 | 4,553 |
| Premises and equipment expense | $322,000 | 5,476 |
| Additional noninterest expense | $784,000 | 5,165 |
| Pre-tax net operating income | $346,000 | 7,285 |
| Securities gains (losses) | $12,000 | 2,733 |
| Applicable income taxes | $122,000 | 5,315 |
| Income before extraordinary items | $236,000 | 7,476 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $236,000 | 7,476 |
| 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 | $228,080 | 7,463 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,433,000 | 7,501 |
| Total interest expense | $324,000 | 7,583 |
| Net interest income | $1,109,000 | 7,357 |
| Provision for loan and lease losses | $96,000 | 4,350 |
| Total noninterest income | $1,261,000 | 2,489 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $16,000 | 7,693 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,245,000 | 1,521 |
| Total noninterest expense | $2,014,000 | 5,007 |
| Salaries and employee benefits | $1,235,000 | 4,590 |
| Premises and equipment expense | $227,000 | 5,621 |
| Additional noninterest expense | $552,000 | 5,326 |
| Pre-tax net operating income | $260,000 | 7,413 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $88,000 | 5,478 |
| Income before extraordinary items | $174,000 | 7,626 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $174,000 | 7,626 |
| 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 | $172,680 | 7,587 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $847,000 | 7,785 |
| Total interest expense | $199,000 | 7,774 |
| Net interest income | $648,000 | 7,667 |
| Provision for loan and lease losses | $89,000 | 3,789 |
| Total noninterest income | $865,000 | 2,453 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $9,000 | 7,775 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $856,000 | 1,480 |
| Total noninterest expense | $1,309,000 | 5,116 |
| Salaries and employee benefits | $814,000 | 4,659 |
| Premises and equipment expense | $141,000 | 5,849 |
| Additional noninterest expense | $354,000 | 5,483 |
| Pre-tax net operating income | $115,000 | 7,800 |
| Securities gains (losses) | $-1,000 | 8,365 |
| Applicable income taxes | $38,000 | 5,863 |
| Income before extraordinary items | $76,000 | 8,020 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $76,000 | 8,022 |
| 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 | $76,670 | 7,955 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $373,000 | 8,024 |
| Total interest expense | $87,000 | 8,051 |
| Net interest income | $286,000 | 7,936 |
| Provision for loan and lease losses | $39,000 | 3,783 |
| Total noninterest income | $341,000 | 2,834 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $337,000 | 1,737 |
| Total noninterest expense | $568,000 | 5,622 |
| Salaries and employee benefits | $338,000 | 5,313 |
| Premises and equipment expense | $70,000 | 5,876 |
| Additional noninterest expense | $160,000 | 5,799 |
| Pre-tax net operating income | $20,000 | 8,314 |
| Securities gains (losses) | $-1,000 | 8,686 |
| Applicable income taxes | $9,000 | 6,307 |
| Income before extraordinary items | $10,000 | 8,469 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $10,000 | 8,470 |
| 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 | $10,640 | 8,402 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $892,000 | 8,677 |
| Total interest expense | $214,000 | 8,708 |
| Net interest income | $678,000 | 8,600 |
| Provision for loan and lease losses | $69,000 | 5,855 |
| Total noninterest income | $1,793,000 | 2,504 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,000 | 8,020 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,791,000 | 1,586 |
| Total noninterest expense | $2,290,000 | 5,545 |
| Salaries and employee benefits | $1,290,000 | 5,381 |
| Premises and equipment expense | $247,000 | 6,209 |
| Additional noninterest expense | $753,000 | 5,251 |
| Pre-tax net operating income | $112,000 | 8,153 |
| Securities gains (losses) | $11,000 | 3,560 |
| Applicable income taxes | $45,000 | 6,359 |
| Income before extraordinary items | $78,000 | 8,328 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $78,000 | 8,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $10,178,000 | 84 |
| Net operating income | $70,960 | 8,273 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $564,000 | 8,871 |
| Total interest expense | $145,000 | 8,866 |
| Net interest income | $419,000 | 8,816 |
| Provision for loan and lease losses | $73,000 | 5,264 |
| Total noninterest income | $1,391,000 | 2,489 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,000 | 8,088 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,390,000 | 1,616 |
| Total noninterest expense | $1,696,000 | 5,544 |
| Salaries and employee benefits | $936,000 | 5,468 |
| Premises and equipment expense | $177,000 | 6,353 |
| Additional noninterest expense | $583,000 | 5,110 |
| Pre-tax net operating income | $41,000 | 8,490 |
| Securities gains (losses) | $11,000 | 3,280 |
| Applicable income taxes | $24,000 | 6,710 |
| Income before extraordinary items | $28,000 | 8,627 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $28,000 | 8,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $10,178,000 | 56 |
| Net operating income | $20,960 | 8,552 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $290,000 | 9,030 |
| Total interest expense | $79,000 | 8,995 |
| Net interest income | $211,000 | 8,992 |
| Provision for loan and lease losses | $34,000 | 5,657 |
| Total noninterest income | $808,000 | 2,737 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $808,000 | 1,764 |
| Total noninterest expense | $1,085,000 | 5,708 |
| Salaries and employee benefits | $559,000 | 5,852 |
| Premises and equipment expense | $109,000 | 6,544 |
| Additional noninterest expense | $417,000 | 4,855 |
| Pre-tax net operating income | $-100,000 | 8,823 |
| Securities gains (losses) | $30,000 | 2,360 |
| Applicable income taxes | $-10,000 | 8,996 |
| Income before extraordinary items | $-60,000 | 8,871 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-60,000 | 8,872 |
| 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 | $10,178,000 | 39 |
| Net operating income | $-85,800 | 8,816 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $72,000 | 9,216 |
| Total interest expense | $14,000 | 9,200 |
| Net interest income | $58,000 | 9,198 |
| Provision for loan and lease losses | $11,000 | 6,010 |
| Total noninterest income | $277,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $277,000 | 2,225 |
| Total noninterest expense | $526,000 | 5,830 |
| Salaries and employee benefits | $213,000 | 6,782 |
| Premises and equipment expense | $36,000 | 7,540 |
| Additional noninterest expense | $277,000 | 3,893 |
| Pre-tax net operating income | $-202,000 | 9,086 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-40,000 | 9,163 |
| Income before extraordinary items | $-162,000 | 9,107 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-162,000 | 9,104 |
| 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 | $10,178,000 | 17 |
| Net operating income | $-162,000 | 9,041 |
* 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.