Home > Community First Bank > Income and Expense
Community First Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,006,000 | 5,718 |
| Total interest expense | $3,084,000 | 4,720 |
| Net interest income | $1,922,000 | 6,590 |
| Provision for loan and lease losses | $22,000 | 6,287 |
| Total noninterest income | $447,000 | 5,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $447,000 | 3,523 |
| Total noninterest expense | $2,547,000 | 5,552 |
| Salaries and employee benefits | $1,050,000 | 6,322 |
| Premises and equipment expense | $623,000 | 3,733 |
| Additional noninterest expense | $874,000 | 5,054 |
| Pre-tax net operating income | $-200,000 | 7,644 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-200,000 | 7,713 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-200,000 | 7,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,739 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-200,000 | 7,695 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,716,000 | 5,777 |
| Total interest expense | $2,272,000 | 4,776 |
| Net interest income | $1,444,000 | 6,627 |
| Provision for loan and lease losses | $22,000 | 5,780 |
| Total noninterest income | $352,000 | 5,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $352,000 | 3,444 |
| Total noninterest expense | $1,863,000 | 5,585 |
| Salaries and employee benefits | $784,000 | 6,332 |
| Premises and equipment expense | $459,000 | 3,791 |
| Additional noninterest expense | $620,000 | 5,181 |
| Pre-tax net operating income | $-89,000 | 7,791 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-89,000 | 7,841 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-89,000 | 7,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,961 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-89,000 | 7,824 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,444,000 | 5,835 |
| Total interest expense | $1,516,000 | 4,764 |
| Net interest income | $928,000 | 6,757 |
| Provision for loan and lease losses | $12,000 | 5,644 |
| Total noninterest income | $241,000 | 5,158 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $241,000 | 3,420 |
| Total noninterest expense | $1,278,000 | 5,527 |
| Salaries and employee benefits | $523,000 | 6,384 |
| Premises and equipment expense | $313,000 | 3,737 |
| Additional noninterest expense | $442,000 | 4,968 |
| Pre-tax net operating income | $-121,000 | 8,006 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-121,000 | 8,031 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-121,000 | 8,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-121,000 | 8,024 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,214,000 | 5,849 |
| Total interest expense | $742,000 | 4,807 |
| Net interest income | $472,000 | 6,736 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $116,000 | 5,203 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $116,000 | 3,494 |
| Total noninterest expense | $696,000 | 5,271 |
| Salaries and employee benefits | $277,000 | 6,289 |
| Premises and equipment expense | $164,000 | 3,633 |
| Additional noninterest expense | $255,000 | 4,475 |
| Pre-tax net operating income | $-108,000 | 8,161 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-108,000 | 8,188 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-108,000 | 8,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-108,000 | 8,177 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,308,000 | 5,937 |
| Total interest expense | $2,545,000 | 4,771 |
| Net interest income | $1,763,000 | 6,848 |
| Provision for loan and lease losses | $62,000 | 5,291 |
| Total noninterest income | $483,000 | 5,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $483,000 | 3,397 |
| Total noninterest expense | $2,737,000 | 5,185 |
| Salaries and employee benefits | $1,144,000 | 6,054 |
| Premises and equipment expense | $548,000 | 4,013 |
| Additional noninterest expense | $1,045,000 | 4,366 |
| Pre-tax net operating income | $-553,000 | 8,283 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-553,000 | 8,319 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-553,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,164 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 880 |
| Net operating income | $-553,000 | 8,313 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,142,000 | 6,014 |
| Total interest expense | $1,811,000 | 4,840 |
| Net interest income | $1,331,000 | 6,915 |
| Provision for loan and lease losses | $17,000 | 6,141 |
| Total noninterest income | $382,000 | 5,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $382,000 | 3,289 |
| Total noninterest expense | $1,907,000 | 5,416 |
| Salaries and employee benefits | $851,000 | 6,052 |
| Premises and equipment expense | $427,000 | 3,927 |
| Additional noninterest expense | $629,000 | 5,058 |
| Pre-tax net operating income | $-211,000 | 8,306 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-211,000 | 8,327 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-211,000 | 8,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,673 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 691 |
| Net operating income | $-211,000 | 8,321 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,035,000 | 6,071 |
| Total interest expense | $1,145,000 | 4,867 |
| Net interest income | $890,000 | 6,943 |
| Provision for loan and lease losses | $1,000 | 6,387 |
| Total noninterest income | $246,000 | 5,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $246,000 | 3,350 |
| Total noninterest expense | $1,294,000 | 5,366 |
| Salaries and employee benefits | $587,000 | 5,974 |
| Premises and equipment expense | $285,000 | 3,923 |
| Additional noninterest expense | $422,000 | 5,024 |
| Pre-tax net operating income | $-159,000 | 8,381 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-159,000 | 8,394 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-159,000 | 8,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 527 |
| Net operating income | $-159,000 | 8,394 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $995,000 | 6,108 |
| Total interest expense | $544,000 | 4,876 |
| Net interest income | $451,000 | 6,934 |
| Provision for loan and lease losses | $1,000 | 5,956 |
| Total noninterest income | $111,000 | 5,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $111,000 | 3,525 |
| Total noninterest expense | $641,000 | 5,406 |
| Salaries and employee benefits | $304,000 | 5,887 |
| Premises and equipment expense | $139,000 | 4,008 |
| Additional noninterest expense | $198,000 | 5,204 |
| Pre-tax net operating income | $-80,000 | 8,413 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-80,000 | 8,432 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-80,000 | 8,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 306 |
| Net operating income | $-80,000 | 8,416 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,489,000 | 6,193 |
| Total interest expense | $1,727,000 | 4,859 |
| Net interest income | $1,762,000 | 6,949 |
| Provision for loan and lease losses | $79,000 | 5,150 |
| Total noninterest income | $409,000 | 5,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $409,000 | 3,750 |
| Total noninterest expense | $2,453,000 | 5,432 |
| Salaries and employee benefits | $1,168,000 | 5,883 |
| Premises and equipment expense | $567,000 | 3,829 |
| Additional noninterest expense | $718,000 | 5,507 |
| Pre-tax net operating income | $-361,000 | 8,450 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-361,000 | 8,486 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-361,000 | 8,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,036 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-361,000 | 8,466 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,536,000 | 6,272 |
| Total interest expense | $1,219,000 | 4,898 |
| Net interest income | $1,317,000 | 6,996 |
| Provision for loan and lease losses | $70,000 | 4,797 |
| Total noninterest income | $298,000 | 5,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $298,000 | 3,807 |
| Total noninterest expense | $1,826,000 | 5,434 |
| Salaries and employee benefits | $862,000 | 5,890 |
| Premises and equipment expense | $422,000 | 3,820 |
| Additional noninterest expense | $542,000 | 5,464 |
| Pre-tax net operating income | $-281,000 | 8,521 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-281,000 | 8,557 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-281,000 | 8,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-281,000 | 8,527 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,635,000 | 6,320 |
| Total interest expense | $758,000 | 4,926 |
| Net interest income | $877,000 | 6,987 |
| Provision for loan and lease losses | $62,000 | 4,081 |
| Total noninterest income | $183,000 | 5,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $183,000 | 3,918 |
| Total noninterest expense | $1,211,000 | 5,443 |
| Salaries and employee benefits | $576,000 | 5,881 |
| Premises and equipment expense | $267,000 | 3,948 |
| Additional noninterest expense | $368,000 | 5,368 |
| Pre-tax net operating income | $-213,000 | 8,558 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-213,000 | 8,591 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-213,000 | 8,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-213,000 | 8,565 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $786,000 | 6,430 |
| Total interest expense | $354,000 | 5,027 |
| Net interest income | $432,000 | 7,078 |
| Provision for loan and lease losses | $39,000 | 3,651 |
| Total noninterest income | $85,000 | 6,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,053 |
| Total noninterest expense | $583,000 | 5,599 |
| Salaries and employee benefits | $276,000 | 6,067 |
| Premises and equipment expense | $129,000 | 4,103 |
| Additional noninterest expense | $178,000 | 5,446 |
| Pre-tax net operating income | $-105,000 | 8,650 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-105,000 | 8,674 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-105,000 | 8,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-105,000 | 8,651 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,522,000 | 6,867 |
| Total interest expense | $1,077,000 | 5,449 |
| Net interest income | $1,445,000 | 7,391 |
| Provision for loan and lease losses | $164,000 | 4,098 |
| Total noninterest income | $390,000 | 5,850 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $390,000 | 3,767 |
| Total noninterest expense | $2,574,000 | 5,201 |
| Salaries and employee benefits | $1,190,000 | 5,716 |
| Premises and equipment expense | $524,000 | 3,937 |
| Additional noninterest expense | $860,000 | 4,852 |
| Pre-tax net operating income | $-903,000 | 8,783 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $114,000 | 5,384 |
| Income before extraordinary items | $-1,017,000 | 8,841 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,017,000 | 8,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,425 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,017,000 | 8,818 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,795,000 | 7,007 |
| Total interest expense | $758,000 | 5,594 |
| Net interest income | $1,037,000 | 7,498 |
| Provision for loan and lease losses | $102,000 | 4,242 |
| Total noninterest income | $298,000 | 5,827 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $298,000 | 3,733 |
| Total noninterest expense | $1,995,000 | 5,040 |
| Salaries and employee benefits | $906,000 | 5,640 |
| Premises and equipment expense | $400,000 | 3,873 |
| Additional noninterest expense | $689,000 | 4,585 |
| Pre-tax net operating income | $-762,000 | 8,849 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-259,000 | 8,930 |
| Income before extraordinary items | $-503,000 | 8,811 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-503,000 | 8,813 |
| 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 | $-503,000 | 8,786 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,142,000 | 7,163 |
| Total interest expense | $480,000 | 5,771 |
| Net interest income | $662,000 | 7,619 |
| Provision for loan and lease losses | $69,000 | 4,142 |
| Total noninterest income | $192,000 | 5,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $192,000 | 3,811 |
| Total noninterest expense | $1,362,000 | 4,983 |
| Salaries and employee benefits | $579,000 | 5,799 |
| Premises and equipment expense | $266,000 | 3,883 |
| Additional noninterest expense | $517,000 | 4,204 |
| Pre-tax net operating income | $-577,000 | 8,929 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-196,000 | 8,993 |
| Income before extraordinary items | $-381,000 | 8,886 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-381,000 | 8,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-381,000 | 8,860 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $552,000 | 7,279 |
| Total interest expense | $218,000 | 6,107 |
| Net interest income | $334,000 | 7,635 |
| Provision for loan and lease losses | $39,000 | 3,783 |
| Total noninterest income | $84,000 | 6,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $84,000 | 4,069 |
| Total noninterest expense | $776,000 | 4,572 |
| Salaries and employee benefits | $285,000 | 5,888 |
| Premises and equipment expense | $167,000 | 3,286 |
| Additional noninterest expense | $324,000 | 3,518 |
| Pre-tax net operating income | $-397,000 | 9,009 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-135,000 | 9,051 |
| Income before extraordinary items | $-262,000 | 8,977 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-262,000 | 8,977 |
| 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 | $-262,000 | 8,952 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,941,000 | 7,607 |
| Total interest expense | $834,000 | 6,602 |
| Net interest income | $1,107,000 | 7,949 |
| Provision for loan and lease losses | $85,000 | 5,561 |
| Total noninterest income | $437,000 | 5,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $437,000 | 3,808 |
| Total noninterest expense | $1,524,000 | 6,846 |
| Salaries and employee benefits | $673,000 | 7,406 |
| Premises and equipment expense | $348,000 | 5,192 |
| Additional noninterest expense | $503,000 | 6,538 |
| Pre-tax net operating income | $-65,000 | 8,615 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-103,000 | 8,953 |
| Income before extraordinary items | $38,000 | 8,506 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $38,000 | 8,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,724 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,373,000 | 315 |
| Net operating income | $38,000 | 8,408 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 7,756 |
| Total interest expense | $624,000 | 6,763 |
| Net interest income | $798,000 | 8,082 |
| Provision for loan and lease losses | $50,000 | 5,747 |
| Total noninterest income | $313,000 | 5,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $313,000 | 3,967 |
| Total noninterest expense | $972,000 | 7,275 |
| Salaries and employee benefits | $466,000 | 7,574 |
| Premises and equipment expense | $238,000 | 5,489 |
| Additional noninterest expense | $268,000 | 7,418 |
| Pre-tax net operating income | $89,000 | 8,288 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-49,000 | 9,017 |
| Income before extraordinary items | $138,000 | 7,986 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $138,000 | 7,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,373,000 | 221 |
| Net operating income | $138,000 | 7,847 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $930,000 | 7,846 |
| Total interest expense | $414,000 | 6,889 |
| Net interest income | $516,000 | 8,168 |
| Provision for loan and lease losses | $32,000 | 5,704 |
| Total noninterest income | $201,000 | 5,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $201,000 | 4,025 |
| Total noninterest expense | $613,000 | 7,430 |
| Salaries and employee benefits | $296,000 | 7,720 |
| Premises and equipment expense | $148,000 | 5,696 |
| Additional noninterest expense | $169,000 | 7,523 |
| Pre-tax net operating income | $72,000 | 8,220 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-55,000 | 9,085 |
| Income before extraordinary items | $127,000 | 7,677 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $127,000 | 7,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,373,000 | 137 |
| Net operating income | $127,000 | 7,507 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $453,000 | 7,943 |
| Total interest expense | $197,000 | 7,113 |
| Net interest income | $256,000 | 8,208 |
| Provision for loan and lease losses | $19,000 | 5,348 |
| Total noninterest income | $108,000 | 5,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $108,000 | 3,797 |
| Total noninterest expense | $287,000 | 7,618 |
| Salaries and employee benefits | $140,000 | 7,894 |
| Premises and equipment expense | $65,000 | 6,056 |
| Additional noninterest expense | $82,000 | 7,612 |
| Pre-tax net operating income | $58,000 | 7,870 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $58,000 | 7,730 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $58,000 | 7,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $58,000 | 7,582 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,772,000 | 8,099 |
| Total interest expense | $968,000 | 7,021 |
| Net interest income | $804,000 | 8,580 |
| Provision for loan and lease losses | $19,000 | 7,557 |
| Total noninterest income | $250,000 | 6,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $250,000 | 4,613 |
| Total noninterest expense | $1,109,000 | 7,702 |
| Salaries and employee benefits | $529,000 | 8,017 |
| Premises and equipment expense | $267,000 | 5,926 |
| Additional noninterest expense | $313,000 | 7,720 |
| Pre-tax net operating income | $-74,000 | 8,735 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $10,000 | 7,292 |
| Income before extraordinary items | $-84,000 | 8,822 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-84,000 | 8,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,321 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-84,000 | 8,758 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,889,000 | 8,335 |
| Total interest expense | $1,242,000 | 7,526 |
| Net interest income | $647,000 | 8,953 |
| Provision for loan and lease losses | $97,000 | 5,668 |
| Total noninterest income | $301,000 | 6,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $301,000 | 4,116 |
| Total noninterest expense | $982,000 | 8,011 |
| Salaries and employee benefits | $431,000 | 8,484 |
| Premises and equipment expense | $205,000 | 6,718 |
| Additional noninterest expense | $346,000 | 7,541 |
| Pre-tax net operating income | $-131,000 | 8,897 |
| Securities gains (losses) | $7,000 | 3,779 |
| Applicable income taxes | $-37,000 | 9,123 |
| Income before extraordinary items | $-87,000 | 8,941 |
| Extraordinary gains, net | $-27,000 | 9,515 |
| Net income | $-114,000 | 8,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,093 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-91,900 | 8,891 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,868,000 | 8,548 |
| Total interest expense | $1,241,000 | 7,719 |
| Net interest income | $627,000 | 9,247 |
| Provision for loan and lease losses | $27,000 | 7,347 |
| Total noninterest income | $143,000 | 7,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $143,000 | 5,596 |
| Total noninterest expense | $855,000 | 8,417 |
| Salaries and employee benefits | $299,000 | 9,262 |
| Premises and equipment expense | $133,000 | 7,865 |
| Additional noninterest expense | $423,000 | 6,980 |
| Pre-tax net operating income | $-112,000 | 9,256 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-112,000 | 9,285 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-112,000 | 9,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,623 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-112,000 | 9,280 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,865,000 | 8,650 |
| Total interest expense | $1,230,000 | 7,570 |
| Net interest income | $635,000 | 9,437 |
| Provision for loan and lease losses | $22,000 | 7,597 |
| Total noninterest income | $137,000 | 8,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $137,000 | 5,812 |
| Total noninterest expense | $793,000 | 8,748 |
| Salaries and employee benefits | $378,000 | 9,013 |
| Premises and equipment expense | $175,000 | 7,220 |
| Additional noninterest expense | $240,000 | 8,658 |
| Pre-tax net operating income | $-43,000 | 9,480 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $2,000 | 8,682 |
| Income before extraordinary items | $-38,000 | 9,494 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-38,000 | 9,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,247 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-45,000 | 9,483 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,095,000 | 8,568 |
| Total interest expense | $1,343,000 | 7,557 |
| Net interest income | $752,000 | 9,372 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $131,000 | 8,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $131,000 | 5,996 |
| Total noninterest expense | $834,000 | 8,656 |
| Salaries and employee benefits | $383,000 | 9,072 |
| Premises and equipment expense | $142,000 | 7,842 |
| Additional noninterest expense | $309,000 | 8,035 |
| Pre-tax net operating income | $19,000 | 9,727 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $8,000 | 9,125 |
| Income before extraordinary items | $12,000 | 9,791 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $12,000 | 9,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $11,360 | 9,742 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,235,000 | 8,740 |
| Total interest expense | $1,457,000 | 7,448 |
| Net interest income | $778,000 | 9,726 |
| Provision for loan and lease losses | $32,000 | 7,323 |
| Total noninterest income | $137,000 | 8,783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $137,000 | 5,936 |
| Total noninterest expense | $799,000 | 9,036 |
| Salaries and employee benefits | $373,000 | 9,431 |
| Premises and equipment expense | $157,000 | 7,652 |
| Additional noninterest expense | $269,000 | 8,638 |
| Pre-tax net operating income | $84,000 | 10,126 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $8,000 | 9,918 |
| Income before extraordinary items | $76,000 | 10,104 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $76,000 | 10,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $76,000 | 10,065 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,180,000 | 9,126 |
| Total interest expense | $1,448,000 | 7,697 |
| Net interest income | $732,000 | 10,293 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $143,000 | 9,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $143,000 | 6,112 |
| Total noninterest expense | $1,033,000 | 8,554 |
| Salaries and employee benefits | $390,000 | 9,667 |
| Premises and equipment expense | $170,000 | 7,625 |
| Additional noninterest expense | $473,000 | 7,264 |
| Pre-tax net operating income | $-183,000 | 11,054 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $4,000 | 10,471 |
| Income before extraordinary items | $-184,000 | 11,096 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-184,000 | 11,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,429 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-187,000 | 11,059 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,114,000 | 9,546 |
| Total interest expense | $1,418,000 | 7,928 |
| Net interest income | $696,000 | 10,856 |
| Provision for loan and lease losses | $-9,000 | 11,407 |
| Total noninterest income | $141,000 | 9,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $141,000 | 6,163 |
| Total noninterest expense | $839,000 | 9,606 |
| Salaries and employee benefits | $418,000 | 9,811 |
| Premises and equipment expense | $162,000 | 7,994 |
| Additional noninterest expense | $259,000 | 9,735 |
| Pre-tax net operating income | $7,000 | 11,441 |
| Securities gains (losses) | $13,000 | 2,193 |
| Applicable income taxes | $-20,000 | 11,556 |
| Income before extraordinary items | $40,000 | 11,339 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $40,000 | 11,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $27,000 | 11,368 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,929,000 | 9,931 |
| Total interest expense | $1,102,000 | 8,281 |
| Net interest income | $827,000 | 10,957 |
| Provision for loan and lease losses | $-9,000 | 11,747 |
| Total noninterest income | $127,000 | 10,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $127,000 | 6,755 |
| Total noninterest expense | $725,000 | 10,592 |
| Salaries and employee benefits | $367,000 | 10,578 |
| Premises and equipment expense | $120,000 | 9,390 |
| Additional noninterest expense | $238,000 | 10,677 |
| Pre-tax net operating income | $238,000 | 10,592 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $65,000 | 10,116 |
| Income before extraordinary items | $187,000 | 10,430 |
| Extraordinary gains, net | $-52,000 | 12,526 |
| Net income | $135,000 | 11,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $176,640 | 10,583 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,056,000 | 10,062 |
| Total interest expense | $1,172,000 | 8,391 |
| Net interest income | $884,000 | 11,220 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $126,000 | 10,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $126,000 | 7,138 |
| Total noninterest expense | $688,000 | 11,222 |
| Salaries and employee benefits | $350,000 | 11,150 |
| Premises and equipment expense | $107,000 | 10,233 |
| Additional noninterest expense | $231,000 | 11,304 |
| Pre-tax net operating income | $310,000 | 10,157 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $109,000 | 9,529 |
| Income before extraordinary items | $206,000 | 10,572 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $206,000 | 10,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $202,750 | 10,394 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,311,000 | 10,276 |
| Total interest expense | $1,603,000 | 8,194 |
| Net interest income | $708,000 | 12,287 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $155,000 | 10,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $155,000 | 6,528 |
| Total noninterest expense | $640,000 | 11,824 |
| Salaries and employee benefits | $304,000 | 11,968 |
| Premises and equipment expense | $96,000 | 10,873 |
| Additional noninterest expense | $240,000 | 11,675 |
| Pre-tax net operating income | $198,000 | 11,088 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $80,000 | 10,440 |
| Income before extraordinary items | $119,000 | 11,692 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $119,000 | 11,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 9,616 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $118,360 | 11,382 |
* 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.