Home > Community Bank of Boone > Income and Expense
Community Bank of Boone, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,927,000 | 4,158 |
| Total interest expense | $4,214,000 | 3,385 |
| Net interest income | $3,713,000 | 4,812 |
| Provision for loan and lease losses | $640,000 | 3,383 |
| Total noninterest income | $498,000 | 4,847 |
| Gross Fiduciary activities income | $5,000 | 1,290 |
| Service charges on deposit accounts | $191,000 | 4,891 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $302,000 | 4,088 |
| Total noninterest expense | $2,819,000 | 5,318 |
| Salaries and employee benefits | $1,528,000 | 5,282 |
| Premises and equipment expense | $395,000 | 5,114 |
| Additional noninterest expense | $896,000 | 5,156 |
| Pre-tax net operating income | $752,000 | 4,276 |
| Securities gains (losses) | $-71,000 | 7,204 |
| Applicable income taxes | $45,000 | 3,900 |
| Income before extraordinary items | $636,000 | 4,080 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $636,000 | 4,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $724,000 | 2,323 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,347 |
| Net operating income | $702,030 | 4,075 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,230,000 | 4,098 |
| Total interest expense | $3,365,000 | 3,327 |
| Net interest income | $2,865,000 | 4,747 |
| Provision for loan and lease losses | $425,000 | 2,979 |
| Total noninterest income | $380,000 | 4,920 |
| Gross Fiduciary activities income | $4,000 | 1,255 |
| Service charges on deposit accounts | $142,000 | 4,935 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $234,000 | 4,144 |
| Total noninterest expense | $2,128,000 | 5,275 |
| Salaries and employee benefits | $1,192,000 | 5,187 |
| Premises and equipment expense | $282,000 | 5,262 |
| Additional noninterest expense | $654,000 | 5,167 |
| Pre-tax net operating income | $692,000 | 4,364 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $43,000 | 4,206 |
| Income before extraordinary items | $649,000 | 3,971 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $649,000 | 3,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 1,869 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,200 |
| Net operating income | $649,000 | 4,121 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,285,000 | 4,056 |
| Total interest expense | $2,369,000 | 3,313 |
| Net interest income | $1,916,000 | 4,746 |
| Provision for loan and lease losses | $315,000 | 2,462 |
| Total noninterest income | $322,000 | 4,476 |
| Gross Fiduciary activities income | $3,000 | 1,253 |
| Service charges on deposit accounts | $91,000 | 5,006 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $228,000 | 3,510 |
| Total noninterest expense | $1,483,000 | 5,168 |
| Salaries and employee benefits | $836,000 | 5,080 |
| Premises and equipment expense | $188,000 | 5,311 |
| Additional noninterest expense | $459,000 | 4,998 |
| Pre-tax net operating income | $440,000 | 4,614 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $29,000 | 4,452 |
| Income before extraordinary items | $411,000 | 4,420 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $411,000 | 4,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 1,242 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,064 |
| Net operating income | $411,000 | 4,362 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,166,000 | 4,111 |
| Total interest expense | $1,279,000 | 3,296 |
| Net interest income | $887,000 | 4,991 |
| Provision for loan and lease losses | $145,000 | 2,228 |
| Total noninterest income | $131,000 | 4,906 |
| Gross Fiduciary activities income | $1,000 | 1,254 |
| Service charges on deposit accounts | $46,000 | 4,958 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $84,000 | 4,100 |
| Total noninterest expense | $725,000 | 5,250 |
| Salaries and employee benefits | $337,000 | 5,756 |
| Premises and equipment expense | $95,000 | 5,305 |
| Additional noninterest expense | $293,000 | 4,192 |
| Pre-tax net operating income | $148,000 | 5,462 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $11,000 | 4,747 |
| Income before extraordinary items | $137,000 | 5,361 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $137,000 | 5,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 669 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 981 |
| Net operating income | $137,000 | 5,262 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,478,000 | 3,909 |
| Total interest expense | $5,713,000 | 3,129 |
| Net interest income | $3,765,000 | 4,802 |
| Provision for loan and lease losses | $60,000 | 5,449 |
| Total noninterest income | $440,000 | 5,295 |
| Gross Fiduciary activities income | $3,000 | 1,373 |
| Service charges on deposit accounts | $194,000 | 4,967 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $243,000 | 4,656 |
| Total noninterest expense | $2,429,000 | 5,694 |
| Salaries and employee benefits | $1,297,000 | 5,752 |
| Premises and equipment expense | $423,000 | 4,853 |
| Additional noninterest expense | $709,000 | 5,696 |
| Pre-tax net operating income | $1,716,000 | 3,646 |
| Securities gains (losses) | $33,000 | 934 |
| Applicable income taxes | $87,000 | 4,573 |
| Income before extraordinary items | $1,662,000 | 3,215 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,662,000 | 3,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,054 |
| Cash dividends | $867,000 | 2,862 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,257 |
| Net operating income | $1,630,650 | 3,235 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,988,000 | 3,972 |
| Total interest expense | $4,297,000 | 3,120 |
| Net interest income | $2,691,000 | 4,982 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $342,000 | 5,261 |
| Gross Fiduciary activities income | $3,000 | 1,319 |
| Service charges on deposit accounts | $144,000 | 5,010 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $195,000 | 4,528 |
| Total noninterest expense | $1,855,000 | 5,601 |
| Salaries and employee benefits | $1,031,000 | 5,534 |
| Premises and equipment expense | $311,000 | 4,903 |
| Additional noninterest expense | $513,000 | 5,743 |
| Pre-tax net operating income | $1,178,000 | 3,995 |
| Securities gains (losses) | $27,000 | 758 |
| Applicable income taxes | $59,000 | 4,842 |
| Income before extraordinary items | $1,146,000 | 3,572 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,146,000 | 3,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,263 |
| Cash dividends | $867,000 | 2,217 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,110 |
| Net operating income | $1,120,350 | 3,617 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,640,000 | 3,993 |
| Total interest expense | $2,845,000 | 3,133 |
| Net interest income | $1,795,000 | 5,005 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $223,000 | 5,352 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $96,000 | 5,023 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $125,000 | 4,665 |
| Total noninterest expense | $1,271,000 | 5,546 |
| Salaries and employee benefits | $719,000 | 5,473 |
| Premises and equipment expense | $209,000 | 4,881 |
| Additional noninterest expense | $343,000 | 5,747 |
| Pre-tax net operating income | $747,000 | 4,170 |
| Securities gains (losses) | $27,000 | 649 |
| Applicable income taxes | $38,000 | 4,963 |
| Income before extraordinary items | $736,000 | 3,706 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $736,000 | 3,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,296 |
| Cash dividends | $650,000 | 2,064 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,011 |
| Net operating income | $710,350 | 3,771 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,280,000 | 4,035 |
| Total interest expense | $1,414,000 | 3,140 |
| Net interest income | $866,000 | 5,118 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $106,000 | 5,403 |
| Gross Fiduciary activities income | $2,000 | 1,213 |
| Service charges on deposit accounts | $47,000 | 5,004 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $57,000 | 4,859 |
| Total noninterest expense | $620,000 | 5,649 |
| Salaries and employee benefits | $364,000 | 5,467 |
| Premises and equipment expense | $105,000 | 4,900 |
| Additional noninterest expense | $151,000 | 6,100 |
| Pre-tax net operating income | $352,000 | 4,301 |
| Securities gains (losses) | $26,000 | 508 |
| Applicable income taxes | $18,000 | 4,999 |
| Income before extraordinary items | $360,000 | 3,747 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $360,000 | 3,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,735 |
| Cash dividends | $325,000 | 1,898 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 852 |
| Net operating income | $335,300 | 3,903 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,914,000 | 3,595 |
| Total interest expense | $5,690,000 | 2,710 |
| Net interest income | $4,224,000 | 4,500 |
| Provision for loan and lease losses | $481,000 | 1,961 |
| Total noninterest income | $415,000 | 5,526 |
| Gross Fiduciary activities income | $11,000 | 1,257 |
| Service charges on deposit accounts | $198,000 | 5,016 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $206,000 | 5,078 |
| Total noninterest expense | $3,970,000 | 4,021 |
| Salaries and employee benefits | $2,346,000 | 3,788 |
| Premises and equipment expense | $741,000 | 3,188 |
| Additional noninterest expense | $883,000 | 4,919 |
| Pre-tax net operating income | $188,000 | 7,446 |
| Securities gains (losses) | $-100,000 | 8,202 |
| Applicable income taxes | $-2,000 | 8,148 |
| Income before extraordinary items | $90,000 | 7,710 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $90,000 | 7,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,821 |
| Cash dividends | $1,200,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,182 |
| Net operating income | $190,000 | 7,312 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,492,000 | 3,551 |
| Total interest expense | $4,180,000 | 2,674 |
| Net interest income | $3,312,000 | 4,431 |
| Provision for loan and lease losses | $305,000 | 2,120 |
| Total noninterest income | $311,000 | 5,556 |
| Gross Fiduciary activities income | $11,000 | 1,194 |
| Service charges on deposit accounts | $147,000 | 5,073 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $153,000 | 5,083 |
| Total noninterest expense | $3,277,000 | 3,719 |
| Salaries and employee benefits | $1,975,000 | 3,483 |
| Premises and equipment expense | $611,000 | 2,959 |
| Additional noninterest expense | $691,000 | 4,755 |
| Pre-tax net operating income | $41,000 | 7,991 |
| Securities gains (losses) | $-106,000 | 8,422 |
| Applicable income taxes | $7,000 | 6,326 |
| Income before extraordinary items | $-72,000 | 8,220 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-72,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,074 |
| Cash dividends | $900,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 983 |
| Net operating income | $34,000 | 8,005 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,685,000 | 3,679 |
| Total interest expense | $2,560,000 | 2,756 |
| Net interest income | $2,125,000 | 4,532 |
| Provision for loan and lease losses | $250,000 | 1,756 |
| Total noninterest income | $202,000 | 5,614 |
| Gross Fiduciary activities income | $10,000 | 1,166 |
| Service charges on deposit accounts | $91,000 | 5,218 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $101,000 | 5,108 |
| Total noninterest expense | $2,069,000 | 3,910 |
| Salaries and employee benefits | $1,243,000 | 3,635 |
| Premises and equipment expense | $387,000 | 3,089 |
| Additional noninterest expense | $439,000 | 4,907 |
| Pre-tax net operating income | $8,000 | 8,135 |
| Securities gains (losses) | $-123,000 | 8,565 |
| Applicable income taxes | $4,000 | 6,395 |
| Income before extraordinary items | $-119,000 | 8,359 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-119,000 | 8,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $600,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 839 |
| Net operating income | $4,000 | 8,149 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,179,000 | 3,835 |
| Total interest expense | $1,173,000 | 2,856 |
| Net interest income | $1,006,000 | 4,694 |
| Provision for loan and lease losses | $70,000 | 2,616 |
| Total noninterest income | $96,000 | 5,679 |
| Gross Fiduciary activities income | $10,000 | 1,070 |
| Service charges on deposit accounts | $44,000 | 5,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,444 |
| Total noninterest expense | $981,000 | 4,070 |
| Salaries and employee benefits | $579,000 | 3,862 |
| Premises and equipment expense | $140,000 | 3,988 |
| Additional noninterest expense | $262,000 | 4,319 |
| Pre-tax net operating income | $51,000 | 7,690 |
| Securities gains (losses) | $-22,000 | 8,401 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $24,000 | 7,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $24,000 | 7,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $42,260 | 7,661 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,694,000 | 3,865 |
| Total interest expense | $3,733,000 | 2,797 |
| Net interest income | $3,961,000 | 4,652 |
| Provision for loan and lease losses | $135,000 | 4,293 |
| Total noninterest income | $486,000 | 5,309 |
| Gross Fiduciary activities income | $2,000 | 1,452 |
| Service charges on deposit accounts | $193,000 | 5,107 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $291,000 | 4,402 |
| Total noninterest expense | $2,715,000 | 5,098 |
| Salaries and employee benefits | $1,563,000 | 4,917 |
| Premises and equipment expense | $465,000 | 4,396 |
| Additional noninterest expense | $687,000 | 5,636 |
| Pre-tax net operating income | $1,597,000 | 4,230 |
| Securities gains (losses) | $-10,000 | 7,535 |
| Applicable income taxes | $76,000 | 5,587 |
| Income before extraordinary items | $1,511,000 | 3,775 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,511,000 | 3,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $1,200,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,520,500 | 3,720 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,671,000 | 3,868 |
| Total interest expense | $2,653,000 | 2,791 |
| Net interest income | $3,018,000 | 4,616 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $359,000 | 5,368 |
| Gross Fiduciary activities income | $2,000 | 1,379 |
| Service charges on deposit accounts | $144,000 | 5,163 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $213,000 | 4,469 |
| Total noninterest expense | $2,015,000 | 5,119 |
| Salaries and employee benefits | $1,182,000 | 4,866 |
| Premises and equipment expense | $334,000 | 4,499 |
| Additional noninterest expense | $499,000 | 5,704 |
| Pre-tax net operating income | $1,227,000 | 4,255 |
| Securities gains (losses) | $-9,000 | 7,876 |
| Applicable income taxes | $57,000 | 5,705 |
| Income before extraordinary items | $1,161,000 | 3,756 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,161,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $800,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,169,550 | 3,700 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,736,000 | 3,826 |
| Total interest expense | $1,693,000 | 2,756 |
| Net interest income | $2,043,000 | 4,547 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $235,000 | 5,374 |
| Gross Fiduciary activities income | $2,000 | 1,342 |
| Service charges on deposit accounts | $88,000 | 5,294 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $145,000 | 4,399 |
| Total noninterest expense | $1,371,000 | 5,047 |
| Salaries and employee benefits | $790,000 | 4,852 |
| Premises and equipment expense | $253,000 | 4,114 |
| Additional noninterest expense | $328,000 | 5,731 |
| Pre-tax net operating income | $817,000 | 4,248 |
| Securities gains (losses) | $-9,000 | 8,110 |
| Applicable income taxes | $36,000 | 5,754 |
| Income before extraordinary items | $772,000 | 3,709 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $772,000 | 3,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $780,640 | 3,641 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,842,000 | 3,833 |
| Total interest expense | $807,000 | 2,762 |
| Net interest income | $1,035,000 | 4,509 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $97,000 | 5,759 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $37,000 | 5,594 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,816 |
| Total noninterest expense | $686,000 | 5,067 |
| Salaries and employee benefits | $405,000 | 4,795 |
| Premises and equipment expense | $130,000 | 4,075 |
| Additional noninterest expense | $151,000 | 5,984 |
| Pre-tax net operating income | $401,000 | 4,267 |
| Securities gains (losses) | $-9,000 | 8,513 |
| Applicable income taxes | $14,000 | 5,897 |
| Income before extraordinary items | $378,000 | 3,765 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $378,000 | 3,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $386,640 | 3,666 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,885,000 | 3,859 |
| Total interest expense | $2,904,000 | 2,698 |
| Net interest income | $3,981,000 | 4,496 |
| Provision for loan and lease losses | $374,000 | 2,497 |
| Total noninterest income | $492,000 | 5,313 |
| Gross Fiduciary activities income | $11,000 | 1,306 |
| Service charges on deposit accounts | $199,000 | 5,235 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $282,000 | 4,385 |
| Total noninterest expense | $2,604,000 | 5,157 |
| Salaries and employee benefits | $1,468,000 | 5,030 |
| Premises and equipment expense | $493,000 | 4,137 |
| Additional noninterest expense | $643,000 | 5,783 |
| Pre-tax net operating income | $1,495,000 | 4,256 |
| Securities gains (losses) | $-7,000 | 8,135 |
| Applicable income taxes | $90,000 | 5,619 |
| Income before extraordinary items | $1,398,000 | 3,810 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,398,000 | 3,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 2,103 |
| Cash dividends | $975,000 | 2,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,404,580 | 3,741 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,091,000 | 3,882 |
| Total interest expense | $2,152,000 | 2,687 |
| Net interest income | $2,939,000 | 4,541 |
| Provision for loan and lease losses | $329,000 | 2,098 |
| Total noninterest income | $364,000 | 5,368 |
| Gross Fiduciary activities income | $11,000 | 1,227 |
| Service charges on deposit accounts | $150,000 | 5,268 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $203,000 | 4,472 |
| Total noninterest expense | $1,956,000 | 5,108 |
| Salaries and employee benefits | $1,125,000 | 4,901 |
| Premises and equipment expense | $356,000 | 4,243 |
| Additional noninterest expense | $475,000 | 5,789 |
| Pre-tax net operating income | $1,018,000 | 4,563 |
| Securities gains (losses) | $-8,000 | 8,459 |
| Applicable income taxes | $63,000 | 5,791 |
| Income before extraordinary items | $947,000 | 4,138 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $947,000 | 4,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,279 |
| Cash dividends | $650,000 | 2,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $954,520 | 4,057 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,350,000 | 3,909 |
| Total interest expense | $1,411,000 | 2,710 |
| Net interest income | $1,939,000 | 4,571 |
| Provision for loan and lease losses | $223,000 | 2,023 |
| Total noninterest income | $230,000 | 5,499 |
| Gross Fiduciary activities income | $2,000 | 1,383 |
| Service charges on deposit accounts | $100,000 | 5,267 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $128,000 | 4,639 |
| Total noninterest expense | $1,291,000 | 5,166 |
| Salaries and employee benefits | $740,000 | 4,971 |
| Premises and equipment expense | $232,000 | 4,308 |
| Additional noninterest expense | $319,000 | 5,789 |
| Pre-tax net operating income | $655,000 | 4,612 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $37,000 | 5,892 |
| Income before extraordinary items | $621,000 | 4,153 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $621,000 | 4,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,220 |
| Cash dividends | $650,000 | 1,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $618,180 | 4,085 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,650,000 | 3,955 |
| Total interest expense | $705,000 | 2,732 |
| Net interest income | $945,000 | 4,657 |
| Provision for loan and lease losses | $178,000 | 1,282 |
| Total noninterest income | $106,000 | 5,653 |
| 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 | $59,000 | 4,776 |
| Total noninterest expense | $648,000 | 5,179 |
| Salaries and employee benefits | $370,000 | 4,980 |
| Premises and equipment expense | $119,000 | 4,271 |
| Additional noninterest expense | $159,000 | 5,819 |
| Pre-tax net operating income | $225,000 | 5,555 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $16,000 | 5,956 |
| Income before extraordinary items | $212,000 | 5,184 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $212,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,400 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $209,210 | 5,107 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,506,000 | 4,056 |
| Total interest expense | $2,918,000 | 2,940 |
| Net interest income | $3,588,000 | 4,713 |
| Provision for loan and lease losses | $210,000 | 3,929 |
| Total noninterest income | $578,000 | 5,061 |
| Gross Fiduciary activities income | $3,000 | 1,497 |
| Service charges on deposit accounts | $168,000 | 5,642 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $407,000 | 3,944 |
| Total noninterest expense | $2,621,000 | 5,042 |
| Salaries and employee benefits | $1,528,000 | 4,786 |
| Premises and equipment expense | $466,000 | 4,282 |
| Additional noninterest expense | $627,000 | 5,835 |
| Pre-tax net operating income | $1,335,000 | 4,414 |
| Securities gains (losses) | $69,000 | 2,220 |
| Applicable income taxes | $70,000 | 6,038 |
| Income before extraordinary items | $1,334,000 | 3,851 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,334,000 | 3,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,380 |
| Cash dividends | $975,000 | 2,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,268,450 | 3,818 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,792,000 | 4,156 |
| Total interest expense | $2,211,000 | 3,010 |
| Net interest income | $2,581,000 | 4,859 |
| Provision for loan and lease losses | $210,000 | 3,249 |
| Total noninterest income | $525,000 | 4,613 |
| Gross Fiduciary activities income | $2,000 | 1,482 |
| Service charges on deposit accounts | $121,000 | 5,773 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $402,000 | 3,519 |
| Total noninterest expense | $1,945,000 | 5,081 |
| Salaries and employee benefits | $1,151,000 | 4,771 |
| Premises and equipment expense | $357,000 | 4,209 |
| Additional noninterest expense | $437,000 | 6,077 |
| Pre-tax net operating income | $951,000 | 4,687 |
| Securities gains (losses) | $69,000 | 2,046 |
| Applicable income taxes | $51,000 | 6,185 |
| Income before extraordinary items | $969,000 | 4,059 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $969,000 | 4,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,621 |
| Cash dividends | $650,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $903,450 | 4,098 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,193,000 | 4,199 |
| Total interest expense | $1,491,000 | 3,060 |
| Net interest income | $1,702,000 | 4,898 |
| Provision for loan and lease losses | $210,000 | 2,412 |
| Total noninterest income | $339,000 | 4,663 |
| Gross Fiduciary activities income | $2,000 | 1,432 |
| Service charges on deposit accounts | $74,000 | 5,920 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $263,000 | 3,534 |
| Total noninterest expense | $1,281,000 | 5,117 |
| Salaries and employee benefits | $765,000 | 4,776 |
| Premises and equipment expense | $222,000 | 4,415 |
| Additional noninterest expense | $294,000 | 6,040 |
| Pre-tax net operating income | $550,000 | 5,075 |
| Securities gains (losses) | $69,000 | 1,788 |
| Applicable income taxes | $30,000 | 6,338 |
| Income before extraordinary items | $589,000 | 4,356 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $589,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $325,000 | 2,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $523,450 | 4,475 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,616,000 | 4,197 |
| Total interest expense | $756,000 | 3,094 |
| Net interest income | $860,000 | 4,844 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $143,000 | 5,006 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 3,756 |
| Total noninterest expense | $628,000 | 5,193 |
| Salaries and employee benefits | $366,000 | 4,935 |
| Premises and equipment expense | $113,000 | 4,362 |
| Additional noninterest expense | $149,000 | 5,971 |
| Pre-tax net operating income | $270,000 | 5,071 |
| Securities gains (losses) | $54,000 | 1,343 |
| Applicable income taxes | $16,000 | 6,250 |
| Income before extraordinary items | $308,000 | 4,159 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $308,000 | 4,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $325,000 | 1,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $256,700 | 4,447 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,360,000 | 4,390 |
| Total interest expense | $3,047,000 | 3,500 |
| Net interest income | $3,313,000 | 4,948 |
| Provision for loan and lease losses | $520,000 | 2,322 |
| Total noninterest income | $506,000 | 5,181 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $124,000 | 6,185 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $377,000 | 3,806 |
| Total noninterest expense | $2,192,000 | 5,544 |
| Salaries and employee benefits | $1,261,000 | 5,298 |
| Premises and equipment expense | $394,000 | 4,704 |
| Additional noninterest expense | $537,000 | 6,299 |
| Pre-tax net operating income | $1,107,000 | 4,932 |
| Securities gains (losses) | $70,000 | 2,096 |
| Applicable income taxes | $22,000 | 7,002 |
| Income before extraordinary items | $1,155,000 | 4,188 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,155,000 | 4,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,090 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,086,400 | 4,252 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,009,000 | 5,609 |
| Total interest expense | $3,032,000 | 4,691 |
| Net interest income | $1,977,000 | 6,468 |
| Provision for loan and lease losses | $396,000 | 2,643 |
| Total noninterest income | $396,000 | 5,704 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $109,000 | 6,416 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $287,000 | 4,213 |
| Total noninterest expense | $1,783,000 | 6,165 |
| Salaries and employee benefits | $990,000 | 6,019 |
| Premises and equipment expense | $377,000 | 4,787 |
| Additional noninterest expense | $416,000 | 7,030 |
| Pre-tax net operating income | $194,000 | 7,916 |
| Securities gains (losses) | $44,000 | 2,476 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $238,000 | 7,501 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $238,000 | 7,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,490 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $194,000 | 7,666 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,643,000 | 6,785 |
| Total interest expense | $2,459,000 | 5,610 |
| Net interest income | $1,184,000 | 8,104 |
| Provision for loan and lease losses | $230,000 | 3,449 |
| Total noninterest income | $154,000 | 7,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 7,655 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,317 |
| Total noninterest expense | $1,561,000 | 6,580 |
| Salaries and employee benefits | $896,000 | 6,332 |
| Premises and equipment expense | $324,000 | 5,196 |
| Additional noninterest expense | $341,000 | 7,622 |
| Pre-tax net operating income | $-453,000 | 9,507 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-453,000 | 9,543 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-453,000 | 9,543 |
| 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 | $-453,000 | 9,542 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $951,000 | 9,651 |
| Total interest expense | $506,000 | 9,423 |
| Net interest income | $445,000 | 9,766 |
| Provision for loan and lease losses | $130,000 | 4,573 |
| Total noninterest income | $61,000 | 9,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 7,918 |
| Total noninterest expense | $910,000 | 8,385 |
| Salaries and employee benefits | $417,000 | 8,802 |
| Premises and equipment expense | $334,000 | 5,131 |
| Additional noninterest expense | $159,000 | 9,438 |
| Pre-tax net operating income | $-534,000 | 9,875 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-534,000 | 9,920 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-534,000 | 9,918 |
| 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 | $4,788,000 | 268 |
| Net operating income | $-534,000 | 9,899 |
* 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.