Home > Cleveland Community Bank, S.S.B. > Income and Expense
Cleveland Community Bank, S.S.B., Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,025,000 | 7,867 |
| Total interest expense | $505,000 | 7,491 |
| Net interest income | $520,000 | 7,993 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $-2,000 | 8,272 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $33,000 | 6,775 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-35,000 | 8,236 |
| Total noninterest expense | $1,190,000 | 6,762 |
| Salaries and employee benefits | $841,000 | 6,162 |
| Premises and equipment expense | $26,000 | 8,227 |
| Additional noninterest expense | $323,000 | 6,903 |
| Pre-tax net operating income | $-672,000 | 7,365 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $207,000 | 2,875 |
| Income before extraordinary items | $-879,000 | 7,443 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-879,000 | 7,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,316 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-879,000 | 7,560 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $698,000 | 7,897 |
| Total interest expense | $353,000 | 7,538 |
| Net interest income | $345,000 | 8,049 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $48,000 | 7,532 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $22,000 | 6,802 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $26,000 | 6,950 |
| Total noninterest expense | $940,000 | 6,418 |
| Salaries and employee benefits | $734,000 | 5,461 |
| Premises and equipment expense | $19,000 | 8,260 |
| Additional noninterest expense | $187,000 | 7,176 |
| Pre-tax net operating income | $-547,000 | 7,643 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-547,000 | 7,727 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-547,000 | 7,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-547,000 | 7,708 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $359,000 | 7,945 |
| Total interest expense | $185,000 | 7,591 |
| Net interest income | $174,000 | 8,095 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $23,000 | 7,585 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $10,000 | 6,870 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,970 |
| Total noninterest expense | $209,000 | 7,890 |
| Salaries and employee benefits | $102,000 | 8,010 |
| Premises and equipment expense | $9,000 | 8,302 |
| Additional noninterest expense | $98,000 | 7,100 |
| Pre-tax net operating income | $-12,000 | 7,246 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-12,000 | 7,349 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-12,000 | 7,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-12,000 | 7,270 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 7,914 |
| Total interest expense | $800,000 | 7,505 |
| Net interest income | $676,000 | 8,110 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $119,000 | 7,388 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $47,000 | 6,798 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $72,000 | 6,672 |
| Total noninterest expense | $899,000 | 7,795 |
| Salaries and employee benefits | $571,000 | 7,621 |
| Premises and equipment expense | $37,000 | 8,347 |
| Additional noninterest expense | $291,000 | 7,576 |
| Pre-tax net operating income | $-104,000 | 7,564 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-5,000 | 7,747 |
| Income before extraordinary items | $-99,000 | 7,634 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-99,000 | 7,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,263 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-99,000 | 7,611 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,117,000 | 7,965 |
| Total interest expense | $613,000 | 7,497 |
| Net interest income | $504,000 | 8,171 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $85,000 | 7,476 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $33,000 | 6,873 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $52,000 | 6,738 |
| Total noninterest expense | $705,000 | 7,720 |
| Salaries and employee benefits | $437,000 | 7,565 |
| Premises and equipment expense | $28,000 | 8,350 |
| Additional noninterest expense | $240,000 | 7,438 |
| Pre-tax net operating income | $-116,000 | 7,824 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-116,000 | 7,866 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-116,000 | 7,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,557 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-116,000 | 7,851 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $761,000 | 7,996 |
| Total interest expense | $423,000 | 7,477 |
| Net interest income | $338,000 | 8,233 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $48,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $21,000 | 6,953 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $27,000 | 7,090 |
| Total noninterest expense | $493,000 | 7,710 |
| Salaries and employee benefits | $314,000 | 7,485 |
| Premises and equipment expense | $17,000 | 8,412 |
| Additional noninterest expense | $162,000 | 7,448 |
| Pre-tax net operating income | $-107,000 | 7,988 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-107,000 | 8,010 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-107,000 | 8,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 1,537 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-107,000 | 8,004 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $431,000 | 7,894 |
| Total interest expense | $222,000 | 7,425 |
| Net interest income | $209,000 | 8,120 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $23,000 | 7,735 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $9,000 | 7,042 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $245,000 | 7,752 |
| Salaries and employee benefits | $164,000 | 7,449 |
| Premises and equipment expense | $9,000 | 8,425 |
| Additional noninterest expense | $72,000 | 7,643 |
| Pre-tax net operating income | $-13,000 | 7,915 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-13,000 | 7,928 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-13,000 | 7,927 |
| 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 | $-13,000 | 7,914 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,498,000 | 7,939 |
| Total interest expense | $860,000 | 7,203 |
| Net interest income | $638,000 | 8,277 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $93,000 | 7,814 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $35,000 | 7,103 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $58,000 | 7,092 |
| Total noninterest expense | $953,000 | 7,785 |
| Salaries and employee benefits | $580,000 | 7,649 |
| Premises and equipment expense | $35,000 | 8,489 |
| Additional noninterest expense | $338,000 | 7,372 |
| Pre-tax net operating income | $-222,000 | 8,132 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-222,000 | 8,165 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-222,000 | 8,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,771 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-222,000 | 8,161 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,117,000 | 8,005 |
| Total interest expense | $630,000 | 7,247 |
| Net interest income | $487,000 | 8,337 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $74,000 | 7,834 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $25,000 | 7,196 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $49,000 | 6,962 |
| Total noninterest expense | $684,000 | 7,854 |
| Salaries and employee benefits | $421,000 | 7,691 |
| Premises and equipment expense | $12,000 | 8,660 |
| Additional noninterest expense | $251,000 | 7,411 |
| Pre-tax net operating income | $-123,000 | 8,247 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-123,000 | 8,272 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-123,000 | 8,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,656 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-123,000 | 8,261 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $725,000 | 8,058 |
| Total interest expense | $403,000 | 7,262 |
| Net interest income | $322,000 | 8,405 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $54,000 | 7,788 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $17,000 | 7,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 6,841 |
| Total noninterest expense | $441,000 | 7,928 |
| Salaries and employee benefits | $287,000 | 7,711 |
| Premises and equipment expense | $7,000 | 8,697 |
| Additional noninterest expense | $147,000 | 7,649 |
| Pre-tax net operating income | $-65,000 | 8,302 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-65,000 | 8,302 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-65,000 | 8,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-65,000 | 8,299 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $357,000 | 8,073 |
| Total interest expense | $195,000 | 7,262 |
| Net interest income | $162,000 | 8,424 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $15,000 | 8,268 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $8,000 | 7,290 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 7,855 |
| Total noninterest expense | $236,000 | 7,834 |
| Salaries and employee benefits | $165,000 | 7,455 |
| Premises and equipment expense | $4,000 | 8,696 |
| Additional noninterest expense | $67,000 | 7,791 |
| Pre-tax net operating income | $-59,000 | 8,388 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-59,000 | 8,403 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-59,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-59,000 | 8,389 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,559,000 | 7,833 |
| Total interest expense | $698,000 | 7,049 |
| Net interest income | $861,000 | 8,147 |
| Provision for loan and lease losses | $100,000 | 4,800 |
| Total noninterest income | $412,000 | 5,660 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $32,000 | 7,331 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $380,000 | 3,861 |
| Total noninterest expense | $972,000 | 7,801 |
| Salaries and employee benefits | $509,000 | 7,866 |
| Premises and equipment expense | $47,000 | 8,500 |
| Additional noninterest expense | $416,000 | 7,006 |
| Pre-tax net operating income | $201,000 | 7,698 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $7,000 | 6,617 |
| Income before extraordinary items | $194,000 | 7,620 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $194,000 | 7,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $194,000 | 7,587 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,178,000 | 7,847 |
| Total interest expense | $524,000 | 6,988 |
| Net interest income | $654,000 | 8,170 |
| Provision for loan and lease losses | $100,000 | 4,154 |
| Total noninterest income | $396,000 | 5,139 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 7,378 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $372,000 | 3,403 |
| Total noninterest expense | $676,000 | 7,894 |
| Salaries and employee benefits | $328,000 | 8,069 |
| Premises and equipment expense | $10,000 | 8,774 |
| Additional noninterest expense | $338,000 | 6,811 |
| Pre-tax net operating income | $274,000 | 7,307 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $7,000 | 6,626 |
| Income before extraordinary items | $267,000 | 7,086 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $267,000 | 7,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,271 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $267,000 | 7,058 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $779,000 | 7,850 |
| Total interest expense | $345,000 | 6,926 |
| Net interest income | $434,000 | 8,190 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $361,000 | 4,299 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $18,000 | 7,341 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $343,000 | 2,813 |
| Total noninterest expense | $449,000 | 7,907 |
| Salaries and employee benefits | $217,000 | 8,091 |
| Premises and equipment expense | $4,000 | 8,801 |
| Additional noninterest expense | $228,000 | 6,796 |
| Pre-tax net operating income | $246,000 | 6,940 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $7,000 | 6,523 |
| Income before extraordinary items | $239,000 | 6,609 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $239,000 | 6,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $239,000 | 6,554 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $370,000 | 7,986 |
| Total interest expense | $161,000 | 7,034 |
| Net interest income | $209,000 | 8,301 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $16,000 | 8,407 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 8,020 |
| Total noninterest expense | $262,000 | 7,716 |
| Salaries and employee benefits | $113,000 | 8,116 |
| Premises and equipment expense | $2,000 | 8,862 |
| Additional noninterest expense | $147,000 | 6,073 |
| Pre-tax net operating income | $-37,000 | 8,547 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $7,000 | 6,248 |
| Income before extraordinary items | $-44,000 | 8,586 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-44,000 | 8,586 |
| 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 | $-44,000 | 8,562 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,725,000 | 7,665 |
| Total interest expense | $637,000 | 6,826 |
| Net interest income | $1,088,000 | 7,904 |
| Provision for loan and lease losses | $455,000 | 2,126 |
| Total noninterest income | $122,000 | 7,875 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $78,000 | 6,793 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $44,000 | 7,564 |
| Total noninterest expense | $1,056,000 | 7,697 |
| Salaries and employee benefits | $654,000 | 7,460 |
| Premises and equipment expense | $53,000 | 8,561 |
| Additional noninterest expense | $349,000 | 7,413 |
| Pre-tax net operating income | $-301,000 | 8,579 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $49,000 | 6,046 |
| Income before extraordinary items | $-350,000 | 8,648 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-350,000 | 8,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-350,000 | 8,620 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,312,000 | 7,671 |
| Total interest expense | $481,000 | 6,796 |
| Net interest income | $831,000 | 7,910 |
| Provision for loan and lease losses | $455,000 | 1,563 |
| Total noninterest income | $86,000 | 7,980 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $52,000 | 7,015 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 7,563 |
| Total noninterest expense | $781,000 | 7,699 |
| Salaries and employee benefits | $522,000 | 7,247 |
| Premises and equipment expense | $26,000 | 8,792 |
| Additional noninterest expense | $233,000 | 7,640 |
| Pre-tax net operating income | $-319,000 | 8,702 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $35,000 | 6,189 |
| Income before extraordinary items | $-354,000 | 8,754 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-354,000 | 8,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,309 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-354,000 | 8,730 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $877,000 | 7,710 |
| Total interest expense | $321,000 | 6,815 |
| Net interest income | $556,000 | 7,942 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $54,000 | 8,092 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $31,000 | 7,155 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,596 |
| Total noninterest expense | $509,000 | 7,791 |
| Salaries and employee benefits | $367,000 | 7,169 |
| Premises and equipment expense | $17,000 | 8,845 |
| Additional noninterest expense | $125,000 | 8,029 |
| Pre-tax net operating income | $101,000 | 7,917 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $26,000 | 6,137 |
| Income before extraordinary items | $75,000 | 8,031 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $75,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,267 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $75,000 | 7,971 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $449,000 | 7,715 |
| Total interest expense | $162,000 | 6,864 |
| Net interest income | $287,000 | 7,928 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $24,000 | 8,222 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $250,000 | 7,884 |
| Salaries and employee benefits | $182,000 | 7,232 |
| Premises and equipment expense | $8,000 | 8,874 |
| Additional noninterest expense | $60,000 | 8,152 |
| Pre-tax net operating income | $61,000 | 7,747 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $17,000 | 5,912 |
| Income before extraordinary items | $44,000 | 7,894 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $44,000 | 7,894 |
| 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 | $44,000 | 7,832 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,774,000 | 7,796 |
| Total interest expense | $718,000 | 6,971 |
| Net interest income | $1,056,000 | 8,025 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $98,000 | 8,318 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $56,000 | 7,345 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $42,000 | 7,762 |
| Total noninterest expense | $947,000 | 7,995 |
| Salaries and employee benefits | $686,000 | 7,361 |
| Premises and equipment expense | $30,000 | 9,008 |
| Additional noninterest expense | $231,000 | 8,224 |
| Pre-tax net operating income | $207,000 | 7,799 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $99,000 | 5,732 |
| Income before extraordinary items | $108,000 | 8,184 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $108,000 | 8,187 |
| 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 | $0 | 868 |
| Net operating income | $108,000 | 8,064 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 7,847 |
| Total interest expense | $553,000 | 7,061 |
| Net interest income | $805,000 | 8,073 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $67,000 | 8,473 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $40,000 | 7,436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 7,963 |
| Total noninterest expense | $679,000 | 8,067 |
| Salaries and employee benefits | $479,000 | 7,493 |
| Premises and equipment expense | $23,000 | 9,031 |
| Additional noninterest expense | $177,000 | 8,211 |
| Pre-tax net operating income | $193,000 | 7,764 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $75,000 | 5,865 |
| Income before extraordinary items | $118,000 | 8,104 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $118,000 | 8,107 |
| 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 | $0 | 722 |
| Net operating income | $118,000 | 7,977 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $896,000 | 7,919 |
| Total interest expense | $382,000 | 7,091 |
| Net interest income | $514,000 | 8,177 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $51,000 | 8,344 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $27,000 | 7,445 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $24,000 | 7,615 |
| Total noninterest expense | $449,000 | 8,104 |
| Salaries and employee benefits | $310,000 | 7,603 |
| Premises and equipment expense | $14,000 | 9,079 |
| Additional noninterest expense | $125,000 | 8,110 |
| Pre-tax net operating income | $116,000 | 7,875 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $45,000 | 6,001 |
| Income before extraordinary items | $71,000 | 8,222 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $71,000 | 8,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $71,000 | 8,073 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $444,000 | 7,983 |
| Total interest expense | $193,000 | 7,175 |
| Net interest income | $251,000 | 8,241 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $22,000 | 8,506 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,514 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $221,000 | 8,164 |
| Salaries and employee benefits | $134,000 | 7,974 |
| Premises and equipment expense | $7,000 | 9,093 |
| Additional noninterest expense | $80,000 | 7,665 |
| Pre-tax net operating income | $52,000 | 7,969 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $21,000 | 6,031 |
| Income before extraordinary items | $31,000 | 8,259 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $31,000 | 8,258 |
| 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 | $31,000 | 8,128 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,892,000 | 7,975 |
| Total interest expense | $822,000 | 7,448 |
| Net interest income | $1,070,000 | 8,161 |
| Provision for loan and lease losses | $79,000 | 6,110 |
| Total noninterest income | $112,000 | 8,258 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $67,000 | 7,191 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $45,000 | 7,733 |
| Total noninterest expense | $931,000 | 8,082 |
| Salaries and employee benefits | $668,000 | 7,411 |
| Premises and equipment expense | $23,000 | 9,213 |
| Additional noninterest expense | $240,000 | 8,247 |
| Pre-tax net operating income | $172,000 | 8,040 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $72,000 | 6,252 |
| Income before extraordinary items | $100,000 | 8,336 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $100,000 | 8,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $100,000 | 8,246 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,088,000 | 8,129 |
| Total interest expense | $1,206,000 | 7,604 |
| Net interest income | $882,000 | 8,510 |
| Provision for loan and lease losses | $42,000 | 6,879 |
| Total noninterest income | $126,000 | 8,158 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $69,000 | 7,188 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $57,000 | 7,479 |
| Total noninterest expense | $774,000 | 8,515 |
| Salaries and employee benefits | $513,000 | 8,110 |
| Premises and equipment expense | $29,000 | 9,418 |
| Additional noninterest expense | $232,000 | 8,391 |
| Pre-tax net operating income | $192,000 | 7,922 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $92,000 | 6,101 |
| Income before extraordinary items | $100,000 | 8,335 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $100,000 | 8,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $100,000 | 8,230 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,948,000 | 8,455 |
| Total interest expense | $1,155,000 | 7,901 |
| Net interest income | $793,000 | 8,919 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $139,000 | 8,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 8,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,021 |
| Total noninterest expense | $714,000 | 8,787 |
| Salaries and employee benefits | $470,000 | 8,404 |
| Premises and equipment expense | $31,000 | 9,657 |
| Additional noninterest expense | $213,000 | 8,665 |
| Pre-tax net operating income | $218,000 | 8,289 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $88,000 | 6,675 |
| Income before extraordinary items | $130,000 | 8,525 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $130,000 | 8,523 |
| 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 | $130,000 | 8,523 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 8,665 |
| Total interest expense | $1,045,000 | 8,061 |
| Net interest income | $808,000 | 9,048 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $131,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 7,692 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,287 |
| Total noninterest expense | $691,000 | 9,055 |
| Salaries and employee benefits | $456,000 | 8,589 |
| Premises and equipment expense | $33,000 | 9,932 |
| Additional noninterest expense | $202,000 | 9,003 |
| Pre-tax net operating income | $248,000 | 8,346 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $103,000 | 6,887 |
| Income before extraordinary items | $145,000 | 8,676 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $145,000 | 8,675 |
| 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 | $145,000 | 8,631 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,964,000 | 8,724 |
| Total interest expense | $1,174,000 | 7,973 |
| Net interest income | $790,000 | 9,275 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $80,000 | 9,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 8,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,363 |
| Total noninterest expense | $637,000 | 9,310 |
| Salaries and employee benefits | $396,000 | 8,995 |
| Premises and equipment expense | $0 | 10,432 |
| Additional noninterest expense | $241,000 | 8,692 |
| Pre-tax net operating income | $233,000 | 8,756 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $60,000 | 8,159 |
| Income before extraordinary items | $173,000 | 8,817 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $173,000 | 8,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $173,000 | 8,754 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,053,000 | 8,939 |
| Total interest expense | $1,218,000 | 8,064 |
| Net interest income | $835,000 | 9,586 |
| Provision for loan and lease losses | $14,000 | 8,198 |
| Total noninterest income | $57,000 | 10,156 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 9,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,302 |
| Total noninterest expense | $635,000 | 9,606 |
| Salaries and employee benefits | $411,000 | 9,191 |
| Premises and equipment expense | $24,000 | 10,708 |
| Additional noninterest expense | $200,000 | 9,408 |
| Pre-tax net operating income | $243,000 | 9,332 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $71,000 | 8,891 |
| Income before extraordinary items | $172,000 | 9,388 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $172,000 | 9,390 |
| 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 | $172,000 | 9,343 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,902,000 | 9,501 |
| Total interest expense | $1,140,000 | 8,563 |
| Net interest income | $762,000 | 10,216 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $45,000 | 10,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 9,595 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,065 |
| Total noninterest expense | $697,000 | 9,833 |
| Salaries and employee benefits | $328,000 | 10,119 |
| Premises and equipment expense | $27,000 | 11,194 |
| Additional noninterest expense | $342,000 | 8,435 |
| Pre-tax net operating income | $110,000 | 10,318 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $15,000 | 10,291 |
| Income before extraordinary items | $95,000 | 10,267 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $95,000 | 10,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $95,000 | 10,214 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,852,000 | 9,962 |
| Total interest expense | $1,166,000 | 8,699 |
| Net interest income | $686,000 | 10,884 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $28,000 | 11,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 10,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,076 |
| Total noninterest expense | $589,000 | 10,616 |
| Salaries and employee benefits | $348,000 | 10,348 |
| Premises and equipment expense | $25,000 | 11,720 |
| Additional noninterest expense | $216,000 | 10,236 |
| Pre-tax net operating income | $125,000 | 10,939 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $28,000 | 10,615 |
| Income before extraordinary items | $97,000 | 10,955 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $97,000 | 10,956 |
| 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 | $0 | 809 |
| Net operating income | $97,000 | 10,930 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,697,000 | 10,358 |
| Total interest expense | $860,000 | 9,307 |
| Net interest income | $837,000 | 10,930 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $23,000 | 12,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 10,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $662,000 | 10,859 |
| Salaries and employee benefits | $386,000 | 10,410 |
| Premises and equipment expense | $55,000 | 11,452 |
| Additional noninterest expense | $221,000 | 10,880 |
| Pre-tax net operating income | $198,000 | 10,906 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $58,000 | 10,278 |
| Income before extraordinary items | $140,000 | 10,931 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $140,000 | 10,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $140,000 | 10,996 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,630,000 | 10,947 |
| Total interest expense | $819,000 | 9,936 |
| Net interest income | $811,000 | 11,469 |
| Provision for loan and lease losses | $-39,000 | 12,684 |
| Total noninterest income | $42,000 | 12,725 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $42,000 | 10,560 |
| Total noninterest expense | $640,000 | 11,434 |
| Salaries and employee benefits | $430,000 | 10,335 |
| Premises and equipment expense | $85,000 | 10,978 |
| Additional noninterest expense | $125,000 | 12,715 |
| Pre-tax net operating income | $252,000 | 10,608 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $102,000 | 9,679 |
| Income before extraordinary items | $150,000 | 11,203 |
| Extraordinary gains, net | $-12,000 | 12,346 |
| Net income | $138,000 | 11,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $150,000 | 10,996 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,725,000 | 11,475 |
| Total interest expense | $965,000 | 10,561 |
| Net interest income | $760,000 | 12,075 |
| Provision for loan and lease losses | $11,000 | 11,121 |
| Total noninterest income | $42,000 | 13,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $658,000 | 11,748 |
| Salaries and employee benefits | $469,000 | 10,097 |
| Premises and equipment expense | $80,000 | 11,493 |
| Additional noninterest expense | $109,000 | 13,443 |
| Pre-tax net operating income | $133,000 | 11,683 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $32,000 | 11,754 |
| Income before extraordinary items | $101,000 | 11,925 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $101,000 | 11,995 |
| 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 | $101,000 | 11,633 |
* 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.