Home > Commonwealth National Bank > Income and Expense
Commonwealth National Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,255,000 | 2,109 |
| Total interest expense | $4,150,000 | 2,143 |
| Net interest income | $8,105,000 | 2,030 |
| Provision for loan and lease losses | $1,100,000 | 2,639 |
| Total noninterest income | $352,000 | 4,910 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $235,000 | 3,817 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $117,000 | 5,169 |
| Total noninterest expense | $7,584,000 | 1,986 |
| Salaries and employee benefits | $3,567,000 | 2,076 |
| Premises and equipment expense | $1,011,000 | 2,003 |
| Additional noninterest expense | $3,006,000 | 1,783 |
| Pre-tax net operating income | $-227,000 | 6,055 |
| Securities gains (losses) | $108,000 | 1,771 |
| Applicable income taxes | $-107,000 | 6,961 |
| Income before extraordinary items | $-12,000 | 5,807 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-12,000 | 5,807 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-12,000 | 5,807 |
| Net charge-offs | $515,000 | 3,005 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 752 |
| Net operating income | $-81,120 | 5,911 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,216,000 | 2,139 |
| Total interest expense | $2,880,000 | 2,168 |
| Net interest income | $5,336,000 | 2,054 |
| Provision for loan and lease losses | $300,000 | 3,683 |
| Total noninterest income | $243,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $157,000 | 3,789 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $86,000 | 5,059 |
| Total noninterest expense | $5,099,000 | 1,997 |
| Salaries and employee benefits | $2,434,000 | 2,071 |
| Premises and equipment expense | $693,000 | 1,982 |
| Additional noninterest expense | $1,972,000 | 1,827 |
| Pre-tax net operating income | $180,000 | 4,760 |
| Securities gains (losses) | $108,000 | 1,443 |
| Applicable income taxes | $55,000 | 3,087 |
| Income before extraordinary items | $233,000 | 4,353 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $233,000 | 4,352 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $233,000 | 4,352 |
| Net charge-offs | $42,000 | 5,063 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 677 |
| Net operating income | $145,520 | 4,809 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,095,000 | 2,168 |
| Total interest expense | $1,503,000 | 2,176 |
| Net interest income | $2,592,000 | 2,114 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $115,000 | 4,956 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $75,000 | 3,827 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $40,000 | 5,204 |
| Total noninterest expense | $2,352,000 | 2,104 |
| Salaries and employee benefits | $1,231,000 | 2,079 |
| Premises and equipment expense | $362,000 | 1,936 |
| Additional noninterest expense | $759,000 | 2,085 |
| Pre-tax net operating income | $205,000 | 3,997 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $46,000 | 2,957 |
| Income before extraordinary items | $159,000 | 4,243 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $159,000 | 4,246 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $159,000 | 4,246 |
| Net charge-offs | $45,000 | 3,676 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 567 |
| Net operating income | $159,000 | 4,087 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,731,000 | 2,145 |
| Total interest expense | $7,487,000 | 2,083 |
| Net interest income | $10,244,000 | 2,173 |
| Provision for loan and lease losses | $1,359,000 | 2,275 |
| Total noninterest income | $486,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $302,000 | 4,004 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $184,000 | 4,977 |
| Total noninterest expense | $8,670,000 | 2,205 |
| Salaries and employee benefits | $4,798,000 | 2,118 |
| Premises and equipment expense | $1,294,000 | 2,092 |
| Additional noninterest expense | $2,578,000 | 2,282 |
| Pre-tax net operating income | $701,000 | 4,393 |
| Securities gains (losses) | $-2,780,000 | 7,975 |
| Applicable income taxes | $-870,000 | 7,666 |
| Income before extraordinary items | $-1,209,000 | 7,094 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,209,000 | 7,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,330,000 | 1,674 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 849 |
| Net operating income | $570,200 | 4,402 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,464,000 | 2,170 |
| Total interest expense | $5,812,000 | 2,099 |
| Net interest income | $7,652,000 | 2,194 |
| Provision for loan and lease losses | $559,000 | 2,569 |
| Total noninterest income | $363,000 | 5,011 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $223,000 | 4,059 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $140,000 | 5,056 |
| Total noninterest expense | $6,587,000 | 2,174 |
| Salaries and employee benefits | $3,686,000 | 2,082 |
| Premises and equipment expense | $965,000 | 2,111 |
| Additional noninterest expense | $1,936,000 | 2,223 |
| Pre-tax net operating income | $869,000 | 3,944 |
| Securities gains (losses) | $-2,835,000 | 8,133 |
| Applicable income taxes | $232,000 | 2,754 |
| Income before extraordinary items | $-2,198,000 | 7,900 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,198,000 | 7,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,909 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $114,000 | 739 |
| Net operating income | $637,000 | 4,155 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,994,000 | 2,187 |
| Total interest expense | $4,049,000 | 2,108 |
| Net interest income | $4,945,000 | 2,240 |
| Provision for loan and lease losses | $284,000 | 2,633 |
| Total noninterest income | $237,000 | 5,099 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $145,000 | 4,106 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $92,000 | 5,188 |
| Total noninterest expense | $4,351,000 | 2,199 |
| Salaries and employee benefits | $2,437,000 | 2,126 |
| Premises and equipment expense | $644,000 | 2,090 |
| Additional noninterest expense | $1,270,000 | 2,234 |
| Pre-tax net operating income | $547,000 | 4,216 |
| Securities gains (losses) | $184,000 | 655 |
| Applicable income taxes | $132,000 | 3,162 |
| Income before extraordinary items | $599,000 | 3,646 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $599,000 | 3,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,174 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 653 |
| Net operating income | $448,120 | 4,184 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,598,000 | 2,195 |
| Total interest expense | $2,173,000 | 2,096 |
| Net interest income | $2,425,000 | 2,272 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $106,000 | 5,305 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $64,000 | 4,316 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $42,000 | 5,361 |
| Total noninterest expense | $2,150,000 | 2,220 |
| Salaries and employee benefits | $1,218,000 | 2,152 |
| Premises and equipment expense | $325,000 | 2,083 |
| Additional noninterest expense | $607,000 | 2,287 |
| Pre-tax net operating income | $281,000 | 4,294 |
| Securities gains (losses) | $184,000 | 472 |
| Applicable income taxes | $85,000 | 2,981 |
| Income before extraordinary items | $380,000 | 3,299 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $380,000 | 3,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,236 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 514 |
| Net operating income | $229,120 | 4,285 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,913,000 | 2,174 |
| Total interest expense | $10,082,000 | 1,938 |
| Net interest income | $8,831,000 | 2,497 |
| Provision for loan and lease losses | $80,000 | 5,190 |
| Total noninterest income | $463,000 | 5,190 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $267,000 | 4,330 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $196,000 | 5,103 |
| Total noninterest expense | $8,177,000 | 2,236 |
| Salaries and employee benefits | $4,400,000 | 2,290 |
| Premises and equipment expense | $1,359,000 | 1,918 |
| Additional noninterest expense | $2,418,000 | 2,236 |
| Pre-tax net operating income | $1,037,000 | 4,670 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $178,000 | 3,975 |
| Income before extraordinary items | $859,000 | 4,636 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $859,000 | 4,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,829 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 849 |
| Net operating income | $859,000 | 4,626 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,179,000 | 2,183 |
| Total interest expense | $7,630,000 | 1,926 |
| Net interest income | $6,549,000 | 2,537 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $349,000 | 5,215 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $200,000 | 4,340 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $149,000 | 5,104 |
| Total noninterest expense | $6,171,000 | 2,202 |
| Salaries and employee benefits | $3,307,000 | 2,276 |
| Premises and equipment expense | $1,025,000 | 1,902 |
| Additional noninterest expense | $1,839,000 | 2,169 |
| Pre-tax net operating income | $697,000 | 5,121 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $126,000 | 4,220 |
| Income before extraordinary items | $571,000 | 5,114 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $571,000 | 5,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,360 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 702 |
| Net operating income | $571,000 | 5,107 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,342,000 | 2,227 |
| Total interest expense | $5,008,000 | 1,954 |
| Net interest income | $4,334,000 | 2,578 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $235,000 | 5,243 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $135,000 | 4,319 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $100,000 | 5,125 |
| Total noninterest expense | $4,098,000 | 2,232 |
| Salaries and employee benefits | $2,204,000 | 2,308 |
| Premises and equipment expense | $699,000 | 1,876 |
| Additional noninterest expense | $1,195,000 | 2,217 |
| Pre-tax net operating income | $441,000 | 5,308 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $78,000 | 4,370 |
| Income before extraordinary items | $363,000 | 5,284 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $363,000 | 5,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,577 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 632 |
| Net operating income | $363,000 | 5,274 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,616,000 | 2,250 |
| Total interest expense | $2,447,000 | 1,982 |
| Net interest income | $2,169,000 | 2,570 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $119,000 | 5,158 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $66,000 | 4,317 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $53,000 | 4,993 |
| Total noninterest expense | $2,029,000 | 2,265 |
| Salaries and employee benefits | $1,091,000 | 2,352 |
| Premises and equipment expense | $354,000 | 1,866 |
| Additional noninterest expense | $584,000 | 2,239 |
| Pre-tax net operating income | $229,000 | 5,231 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $35,000 | 4,487 |
| Income before extraordinary items | $194,000 | 5,135 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $194,000 | 5,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,563 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 547 |
| Net operating income | $194,000 | 5,124 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,970,000 | 2,304 |
| Total interest expense | $8,047,000 | 2,033 |
| Net interest income | $8,923,000 | 2,529 |
| Provision for loan and lease losses | $216,000 | 3,394 |
| Total noninterest income | $543,000 | 4,952 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $285,000 | 4,224 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $258,000 | 4,592 |
| Total noninterest expense | $7,447,000 | 2,378 |
| Salaries and employee benefits | $4,174,000 | 2,355 |
| Premises and equipment expense | $1,160,000 | 2,131 |
| Additional noninterest expense | $2,113,000 | 2,436 |
| Pre-tax net operating income | $1,803,000 | 3,885 |
| Securities gains (losses) | $5,000 | 1,264 |
| Applicable income taxes | $416,000 | 3,384 |
| Income before extraordinary items | $1,392,000 | 3,947 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,392,000 | 3,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,872 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $141,000 | 829 |
| Net operating income | $1,388,150 | 3,932 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,474,000 | 2,326 |
| Total interest expense | $5,730,000 | 2,073 |
| Net interest income | $6,744,000 | 2,548 |
| Provision for loan and lease losses | $164,000 | 3,255 |
| Total noninterest income | $421,000 | 4,897 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $219,000 | 4,222 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $202,000 | 4,525 |
| Total noninterest expense | $5,536,000 | 2,397 |
| Salaries and employee benefits | $3,126,000 | 2,353 |
| Premises and equipment expense | $818,000 | 2,273 |
| Additional noninterest expense | $1,592,000 | 2,419 |
| Pre-tax net operating income | $1,465,000 | 3,836 |
| Securities gains (losses) | $5,000 | 1,041 |
| Applicable income taxes | $321,000 | 3,491 |
| Income before extraordinary items | $1,149,000 | 3,842 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,149,000 | 3,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,263 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $103,000 | 700 |
| Net operating income | $1,145,100 | 3,840 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,902,000 | 2,402 |
| Total interest expense | $3,419,000 | 2,178 |
| Net interest income | $4,483,000 | 2,551 |
| Provision for loan and lease losses | $164,000 | 2,459 |
| Total noninterest income | $272,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $143,000 | 4,236 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $129,000 | 4,602 |
| Total noninterest expense | $3,569,000 | 2,475 |
| Salaries and employee benefits | $2,044,000 | 2,393 |
| Premises and equipment expense | $527,000 | 2,349 |
| Additional noninterest expense | $998,000 | 2,571 |
| Pre-tax net operating income | $1,022,000 | 3,753 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $187,000 | 3,700 |
| Income before extraordinary items | $835,000 | 3,639 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $835,000 | 3,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,820 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 606 |
| Net operating income | $835,000 | 3,629 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,791,000 | 2,439 |
| Total interest expense | $1,519,000 | 2,309 |
| Net interest income | $2,272,000 | 2,503 |
| Provision for loan and lease losses | $84,000 | 2,291 |
| Total noninterest income | $132,000 | 4,983 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $73,000 | 4,136 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,794 |
| Total noninterest expense | $1,763,000 | 2,516 |
| Salaries and employee benefits | $1,005,000 | 2,435 |
| Premises and equipment expense | $281,000 | 2,222 |
| Additional noninterest expense | $477,000 | 2,646 |
| Pre-tax net operating income | $557,000 | 3,503 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $65,000 | 4,153 |
| Income before extraordinary items | $492,000 | 3,203 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $492,000 | 3,202 |
| 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 | $34,000 | 448 |
| Net operating income | $492,000 | 3,179 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,580,000 | 2,603 |
| Total interest expense | $4,857,000 | 2,257 |
| Net interest income | $7,723,000 | 2,792 |
| Provision for loan and lease losses | $590,000 | 1,666 |
| Total noninterest income | $461,000 | 5,436 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $249,000 | 4,581 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $212,000 | 5,048 |
| Total noninterest expense | $6,431,000 | 2,581 |
| Salaries and employee benefits | $3,434,000 | 2,648 |
| Premises and equipment expense | $1,033,000 | 2,297 |
| Additional noninterest expense | $1,964,000 | 2,538 |
| Pre-tax net operating income | $1,163,000 | 4,969 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-1,397,000 | 8,810 |
| Income before extraordinary items | $2,560,000 | 2,557 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,560,000 | 2,557 |
| 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 | $21,000 | 857 |
| Net operating income | $2,560,000 | 2,527 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,064,000 | 2,636 |
| Total interest expense | $3,486,000 | 2,229 |
| Net interest income | $5,578,000 | 2,864 |
| Provision for loan and lease losses | $440,000 | 1,593 |
| Total noninterest income | $344,000 | 5,469 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $185,000 | 4,627 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $159,000 | 5,086 |
| Total noninterest expense | $4,809,000 | 2,563 |
| Salaries and employee benefits | $2,557,000 | 2,611 |
| Premises and equipment expense | $785,000 | 2,258 |
| Additional noninterest expense | $1,467,000 | 2,510 |
| Pre-tax net operating income | $673,000 | 5,728 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-1,566,000 | 8,846 |
| Income before extraordinary items | $2,239,000 | 2,269 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,239,000 | 2,269 |
| 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 | $5,000 | 747 |
| Net operating income | $2,239,000 | 2,234 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,756,000 | 2,693 |
| Total interest expense | $2,180,000 | 2,242 |
| Net interest income | $3,576,000 | 2,940 |
| Provision for loan and lease losses | $290,000 | 1,600 |
| Total noninterest income | $231,000 | 5,422 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $121,000 | 4,629 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $110,000 | 4,988 |
| Total noninterest expense | $3,136,000 | 2,594 |
| Salaries and employee benefits | $1,668,000 | 2,654 |
| Premises and equipment expense | $526,000 | 2,240 |
| Additional noninterest expense | $942,000 | 2,585 |
| Pre-tax net operating income | $381,000 | 6,102 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $381,000 | 5,560 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $381,000 | 5,563 |
| 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 | $5,000 | 614 |
| Net operating income | $381,000 | 5,513 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,737,000 | 2,775 |
| Total interest expense | $972,000 | 2,399 |
| Net interest income | $1,765,000 | 2,969 |
| Provision for loan and lease losses | $140,000 | 1,548 |
| Total noninterest income | $91,000 | 5,905 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $53,000 | 4,860 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $38,000 | 5,751 |
| Total noninterest expense | $1,567,000 | 2,603 |
| Salaries and employee benefits | $812,000 | 2,740 |
| Premises and equipment expense | $269,000 | 2,209 |
| Additional noninterest expense | $486,000 | 2,506 |
| Pre-tax net operating income | $149,000 | 6,583 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-17,000 | 8,728 |
| Income before extraordinary items | $166,000 | 5,871 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $166,000 | 5,872 |
| 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 | $166,000 | 5,834 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,578,000 | 3,232 |
| Total interest expense | $2,869,000 | 2,721 |
| Net interest income | $5,709,000 | 3,425 |
| Provision for loan and lease losses | $612,000 | 1,616 |
| Total noninterest income | $373,000 | 5,939 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $200,000 | 5,221 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $173,000 | 5,410 |
| Total noninterest expense | $5,205,000 | 3,000 |
| Salaries and employee benefits | $2,719,000 | 3,124 |
| Premises and equipment expense | $800,000 | 2,786 |
| Additional noninterest expense | $1,686,000 | 2,824 |
| Pre-tax net operating income | $265,000 | 7,559 |
| Securities gains (losses) | $-9,000 | 8,207 |
| Applicable income taxes | $-30,000 | 8,641 |
| Income before extraordinary items | $286,000 | 7,288 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $286,000 | 7,287 |
| 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 | $2,000 | 858 |
| Net operating income | $295,000 | 7,196 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,053,000 | 3,362 |
| Total interest expense | $1,989,000 | 2,855 |
| Net interest income | $4,064,000 | 3,553 |
| Provision for loan and lease losses | $417,000 | 1,717 |
| Total noninterest income | $273,000 | 6,025 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $149,000 | 5,281 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $124,000 | 5,505 |
| Total noninterest expense | $3,741,000 | 3,087 |
| Salaries and employee benefits | $1,961,000 | 3,190 |
| Premises and equipment expense | $571,000 | 2,912 |
| Additional noninterest expense | $1,209,000 | 2,915 |
| Pre-tax net operating income | $179,000 | 7,786 |
| Securities gains (losses) | $-9,000 | 8,488 |
| Applicable income taxes | $13,000 | 6,704 |
| Income before extraordinary items | $157,000 | 7,738 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $157,000 | 7,740 |
| 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 | $2,000 | 725 |
| Net operating income | $165,280 | 7,641 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,821,000 | 3,502 |
| Total interest expense | $1,273,000 | 2,949 |
| Net interest income | $2,548,000 | 3,721 |
| Provision for loan and lease losses | $187,000 | 2,320 |
| Total noninterest income | $182,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $99,000 | 5,285 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $83,000 | 5,537 |
| Total noninterest expense | $2,435,000 | 3,179 |
| Salaries and employee benefits | $1,292,000 | 3,233 |
| Premises and equipment expense | $380,000 | 2,915 |
| Additional noninterest expense | $763,000 | 3,073 |
| Pre-tax net operating income | $108,000 | 7,861 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $8,000 | 6,728 |
| Income before extraordinary items | $100,000 | 7,774 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $100,000 | 7,775 |
| 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 | $2,000 | 620 |
| Net operating income | $100,000 | 7,709 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,827,000 | 3,662 |
| Total interest expense | $606,000 | 3,091 |
| Net interest income | $1,221,000 | 3,843 |
| Provision for loan and lease losses | $66,000 | 2,819 |
| Total noninterest income | $89,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $47,000 | 5,338 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $42,000 | 5,474 |
| Total noninterest expense | $1,192,000 | 3,240 |
| Salaries and employee benefits | $642,000 | 3,266 |
| Premises and equipment expense | $195,000 | 2,887 |
| Additional noninterest expense | $355,000 | 3,243 |
| Pre-tax net operating income | $52,000 | 7,897 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $52,000 | 7,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 7,741 |
| 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 | $52,000 | 7,676 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,331,000 | 4,683 |
| Total interest expense | $1,715,000 | 4,499 |
| Net interest income | $3,616,000 | 4,691 |
| Provision for loan and lease losses | $659,000 | 1,710 |
| Total noninterest income | $273,000 | 6,787 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $155,000 | 5,802 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $118,000 | 6,251 |
| Total noninterest expense | $4,385,000 | 3,422 |
| Salaries and employee benefits | $2,327,000 | 3,469 |
| Premises and equipment expense | $728,000 | 2,985 |
| Additional noninterest expense | $1,330,000 | 3,429 |
| Pre-tax net operating income | $-1,155,000 | 9,001 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,000 | 7,379 |
| Income before extraordinary items | $-1,156,000 | 9,055 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,156,000 | 9,056 |
| 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 | $6,510,000 | 161 |
| Net operating income | $-1,156,000 | 9,012 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,675,000 | 5,020 |
| Total interest expense | $1,219,000 | 4,767 |
| Net interest income | $2,456,000 | 5,034 |
| Provision for loan and lease losses | $555,000 | 1,515 |
| Total noninterest income | $193,000 | 6,942 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $106,000 | 6,016 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 6,329 |
| Total noninterest expense | $3,296,000 | 3,407 |
| Salaries and employee benefits | $1,744,000 | 3,461 |
| Premises and equipment expense | $548,000 | 2,981 |
| Additional noninterest expense | $1,004,000 | 3,383 |
| Pre-tax net operating income | $-1,202,000 | 9,108 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $-1,203,000 | 9,151 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,203,000 | 9,150 |
| 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 | $4,218,000 | 140 |
| Net operating income | $-1,203,000 | 9,109 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 5,381 |
| Total interest expense | $752,000 | 5,123 |
| Net interest income | $1,471,000 | 5,388 |
| Provision for loan and lease losses | $389,000 | 1,444 |
| Total noninterest income | $117,000 | 7,121 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $66,000 | 6,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $51,000 | 6,530 |
| Total noninterest expense | $2,190,000 | 3,417 |
| Salaries and employee benefits | $1,159,000 | 3,463 |
| Premises and equipment expense | $369,000 | 2,955 |
| Additional noninterest expense | $662,000 | 3,397 |
| Pre-tax net operating income | $-991,000 | 9,160 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $-992,000 | 9,207 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-992,000 | 9,207 |
| 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 | $-992,000 | 9,164 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $994,000 | 5,791 |
| Total interest expense | $321,000 | 5,729 |
| Net interest income | $673,000 | 5,667 |
| Provision for loan and lease losses | $109,000 | 2,231 |
| Total noninterest income | $48,000 | 7,431 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $1,073,000 | 3,464 |
| Salaries and employee benefits | $562,000 | 3,548 |
| Premises and equipment expense | $182,000 | 2,985 |
| Additional noninterest expense | $329,000 | 3,367 |
| Pre-tax net operating income | $-461,000 | 9,189 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $-462,000 | 9,233 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-462,000 | 9,229 |
| 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 | $-462,000 | 9,188 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,318,000 | 7,517 |
| Total interest expense | $971,000 | 7,008 |
| Net interest income | $1,347,000 | 7,682 |
| Provision for loan and lease losses | $656,000 | 1,922 |
| Total noninterest income | $91,000 | 8,506 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $37,000 | 7,739 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $54,000 | 7,501 |
| Total noninterest expense | $3,784,000 | 3,711 |
| Salaries and employee benefits | $1,983,000 | 3,764 |
| Premises and equipment expense | $599,000 | 3,421 |
| Additional noninterest expense | $1,202,000 | 3,600 |
| Pre-tax net operating income | $-3,002,000 | 9,282 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-3,002,000 | 9,310 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-3,002,000 | 9,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-3,002,000 | 9,288 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $62,000 | 9,586 |
| Total interest expense | $9,000 | 9,566 |
| Net interest income | $53,000 | 9,577 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $0 | 9,561 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $1,433,000 | 6,946 |
| Salaries and employee benefits | $205,000 | 9,391 |
| Premises and equipment expense | $32,000 | 9,385 |
| Additional noninterest expense | $1,196,000 | 3,509 |
| Pre-tax net operating income | $-1,480,000 | 9,443 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,480,000 | 9,484 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,480,000 | 9,484 |
| 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 | $13,894,000 | 49 |
| Net operating income | $-1,480,000 | 9,453 |
* 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.