Home > Continental Savings Bank, FSB > Income and Expense
Continental Savings Bank, FSB, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,498,000 | 3,254 |
| Total interest expense | $4,733,000 | 2,498 |
| Net interest income | $3,765,000 | 3,959 |
| Provision for loan and lease losses | $560,000 | 2,564 |
| Total noninterest income | $1,631,000 | 2,082 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,631,000 | 1,285 |
| Total noninterest expense | $4,376,000 | 3,139 |
| Salaries and employee benefits | $2,484,000 | 3,002 |
| Premises and equipment expense | $968,000 | 2,103 |
| Additional noninterest expense | $924,000 | 4,125 |
| Pre-tax net operating income | $460,000 | 5,064 |
| Securities gains (losses) | $67,000 | 1,228 |
| Applicable income taxes | $227,000 | 2,774 |
| Income before extraordinary items | $300,000 | 5,208 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $300,000 | 5,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 2,189 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $257,120 | 5,586 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,720,000 | 3,274 |
| Total interest expense | $3,238,000 | 2,532 |
| Net interest income | $2,482,000 | 3,993 |
| Provision for loan and lease losses | $550,000 | 1,800 |
| Total noninterest income | $1,215,000 | 1,930 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,215,000 | 1,231 |
| Total noninterest expense | $2,862,000 | 3,205 |
| Salaries and employee benefits | $1,635,000 | 3,074 |
| Premises and equipment expense | $630,000 | 2,154 |
| Additional noninterest expense | $597,000 | 4,213 |
| Pre-tax net operating income | $285,000 | 5,344 |
| Securities gains (losses) | $55,000 | 1,373 |
| Applicable income taxes | $145,000 | 3,053 |
| Income before extraordinary items | $195,000 | 5,644 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $195,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,455 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $159,800 | 5,848 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,941,000 | 3,282 |
| Total interest expense | $1,680,000 | 2,608 |
| Net interest income | $1,261,000 | 3,955 |
| Provision for loan and lease losses | $300,000 | 1,372 |
| Total noninterest income | $780,000 | 1,595 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $780,000 | 1,017 |
| Total noninterest expense | $1,466,000 | 3,128 |
| Salaries and employee benefits | $842,000 | 3,018 |
| Premises and equipment expense | $338,000 | 2,011 |
| Additional noninterest expense | $286,000 | 4,266 |
| Pre-tax net operating income | $275,000 | 4,347 |
| Securities gains (losses) | $35,000 | 1,284 |
| Applicable income taxes | $126,000 | 2,531 |
| Income before extraordinary items | $184,000 | 4,827 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $184,000 | 4,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $161,600 | 4,992 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,776,000 | 3,337 |
| Total interest expense | $6,712,000 | 2,729 |
| Net interest income | $5,064,000 | 3,964 |
| Provision for loan and lease losses | $247,000 | 3,535 |
| Total noninterest income | $1,485,000 | 2,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,485,000 | 1,684 |
| Total noninterest expense | $5,771,000 | 3,074 |
| Salaries and employee benefits | $3,332,000 | 2,950 |
| Premises and equipment expense | $1,214,000 | 2,138 |
| Additional noninterest expense | $1,225,000 | 4,021 |
| Pre-tax net operating income | $531,000 | 5,887 |
| Securities gains (losses) | $101,000 | 605 |
| Applicable income taxes | $46,000 | 4,982 |
| Income before extraordinary items | $586,000 | 5,394 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $586,000 | 5,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,625 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $492,070 | 5,691 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,752,000 | 3,370 |
| Total interest expense | $4,992,000 | 2,746 |
| Net interest income | $3,760,000 | 4,002 |
| Provision for loan and lease losses | $247,000 | 2,635 |
| Total noninterest income | $1,080,000 | 2,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,080,000 | 1,733 |
| Total noninterest expense | $4,315,000 | 3,051 |
| Salaries and employee benefits | $2,475,000 | 2,956 |
| Premises and equipment expense | $894,000 | 2,159 |
| Additional noninterest expense | $946,000 | 3,880 |
| Pre-tax net operating income | $278,000 | 6,649 |
| Securities gains (losses) | $87,000 | 521 |
| Applicable income taxes | $-66,000 | 8,194 |
| Income before extraordinary items | $431,000 | 5,673 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $431,000 | 5,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,320 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $344,000 | 6,070 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,858,000 | 3,361 |
| Total interest expense | $3,302,000 | 2,754 |
| Net interest income | $2,556,000 | 3,963 |
| Provision for loan and lease losses | $235,000 | 1,938 |
| Total noninterest income | $653,000 | 2,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $653,000 | 1,864 |
| Total noninterest expense | $2,819,000 | 3,113 |
| Salaries and employee benefits | $1,630,000 | 3,024 |
| Premises and equipment expense | $595,000 | 2,172 |
| Additional noninterest expense | $594,000 | 4,044 |
| Pre-tax net operating income | $155,000 | 6,931 |
| Securities gains (losses) | $67,000 | 489 |
| Applicable income taxes | $-138,000 | 8,422 |
| Income before extraordinary items | $360,000 | 5,299 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $360,000 | 5,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $293,000 | 5,694 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,970,000 | 3,309 |
| Total interest expense | $1,647,000 | 2,748 |
| Net interest income | $1,323,000 | 3,870 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $292,000 | 3,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $292,000 | 1,999 |
| Total noninterest expense | $1,352,000 | 3,244 |
| Salaries and employee benefits | $818,000 | 3,031 |
| Premises and equipment expense | $300,000 | 2,181 |
| Additional noninterest expense | $234,000 | 4,753 |
| Pre-tax net operating income | $233,000 | 5,198 |
| Securities gains (losses) | $31,000 | 475 |
| Applicable income taxes | $97,000 | 3,309 |
| Income before extraordinary items | $167,000 | 5,435 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $167,000 | 5,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $147,160 | 5,669 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,146,000 | 3,286 |
| Total interest expense | $6,001,000 | 2,596 |
| Net interest income | $5,145,000 | 3,924 |
| Provision for loan and lease losses | $80,000 | 5,017 |
| Total noninterest income | $2,060,000 | 2,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,060,000 | 1,323 |
| Total noninterest expense | $5,398,000 | 3,139 |
| Salaries and employee benefits | $3,123,000 | 3,018 |
| Premises and equipment expense | $1,119,000 | 2,223 |
| Additional noninterest expense | $1,156,000 | 4,056 |
| Pre-tax net operating income | $1,727,000 | 3,974 |
| Securities gains (losses) | $92,000 | 552 |
| Applicable income taxes | $750,000 | 2,569 |
| Income before extraordinary items | $1,069,000 | 4,562 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,069,000 | 4,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,366 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,010,120 | 4,686 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,204,000 | 3,305 |
| Total interest expense | $4,358,000 | 2,592 |
| Net interest income | $3,846,000 | 3,960 |
| Provision for loan and lease losses | $50,000 | 5,035 |
| Total noninterest income | $985,000 | 2,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $985,000 | 1,843 |
| Total noninterest expense | $4,027,000 | 3,154 |
| Salaries and employee benefits | $2,291,000 | 3,067 |
| Premises and equipment expense | $866,000 | 2,159 |
| Additional noninterest expense | $870,000 | 4,017 |
| Pre-tax net operating income | $754,000 | 5,347 |
| Securities gains (losses) | $66,000 | 500 |
| Applicable income taxes | $335,000 | 3,437 |
| Income before extraordinary items | $485,000 | 5,823 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $485,000 | 5,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,324 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $442,760 | 6,024 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,394,000 | 3,299 |
| Total interest expense | $2,787,000 | 2,599 |
| Net interest income | $2,607,000 | 3,929 |
| Provision for loan and lease losses | $20,000 | 5,511 |
| Total noninterest income | $628,000 | 3,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $628,000 | 1,893 |
| Total noninterest expense | $2,637,000 | 3,207 |
| Salaries and employee benefits | $1,545,000 | 3,046 |
| Premises and equipment expense | $582,000 | 2,140 |
| Additional noninterest expense | $510,000 | 4,426 |
| Pre-tax net operating income | $578,000 | 5,087 |
| Securities gains (losses) | $30,000 | 531 |
| Applicable income taxes | $247,000 | 3,320 |
| Income before extraordinary items | $361,000 | 5,614 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $361,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $341,800 | 5,741 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,592,000 | 3,350 |
| Total interest expense | $1,351,000 | 2,549 |
| Net interest income | $1,241,000 | 4,066 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $309,000 | 3,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $309,000 | 1,899 |
| Total noninterest expense | $1,343,000 | 3,172 |
| Salaries and employee benefits | $780,000 | 3,043 |
| Premises and equipment expense | $308,000 | 2,043 |
| Additional noninterest expense | $255,000 | 4,409 |
| Pre-tax net operating income | $207,000 | 5,773 |
| Securities gains (losses) | $12,000 | 541 |
| Applicable income taxes | $88,000 | 3,760 |
| Income before extraordinary items | $131,000 | 6,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $131,000 | 6,237 |
| 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 | $0 | 648 |
| Net operating income | $123,320 | 6,365 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,171,000 | 3,115 |
| Total interest expense | $4,804,000 | 2,281 |
| Net interest income | $5,367,000 | 3,751 |
| Provision for loan and lease losses | $25,000 | 6,321 |
| Total noninterest income | $1,407,000 | 2,811 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,407,000 | 1,753 |
| Total noninterest expense | $5,232,000 | 3,118 |
| Salaries and employee benefits | $3,136,000 | 2,861 |
| Premises and equipment expense | $1,125,000 | 2,135 |
| Additional noninterest expense | $971,000 | 4,515 |
| Pre-tax net operating income | $1,517,000 | 4,350 |
| Securities gains (losses) | $123,000 | 638 |
| Applicable income taxes | $662,000 | 2,913 |
| Income before extraordinary items | $978,000 | 4,882 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $978,000 | 4,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,152 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $899,280 | 5,048 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,567,000 | 3,081 |
| Total interest expense | $3,500,000 | 2,217 |
| Net interest income | $4,067,000 | 3,715 |
| Provision for loan and lease losses | $25,000 | 5,986 |
| Total noninterest income | $1,050,000 | 2,804 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,050,000 | 1,760 |
| Total noninterest expense | $3,947,000 | 3,067 |
| Salaries and employee benefits | $2,384,000 | 2,783 |
| Premises and equipment expense | $879,000 | 2,027 |
| Additional noninterest expense | $684,000 | 4,694 |
| Pre-tax net operating income | $1,145,000 | 4,433 |
| Securities gains (losses) | $103,000 | 650 |
| Applicable income taxes | $506,000 | 2,913 |
| Income before extraordinary items | $742,000 | 4,939 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $742,000 | 4,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,382 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $676,080 | 5,120 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,972,000 | 3,053 |
| Total interest expense | $2,239,000 | 2,198 |
| Net interest income | $2,733,000 | 3,668 |
| Provision for loan and lease losses | $25,000 | 5,445 |
| Total noninterest income | $693,000 | 2,787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $693,000 | 1,759 |
| Total noninterest expense | $2,652,000 | 3,031 |
| Salaries and employee benefits | $1,594,000 | 2,771 |
| Premises and equipment expense | $597,000 | 1,991 |
| Additional noninterest expense | $461,000 | 4,650 |
| Pre-tax net operating income | $749,000 | 4,443 |
| Securities gains (losses) | $63,000 | 717 |
| Applicable income taxes | $330,000 | 2,933 |
| Income before extraordinary items | $482,000 | 4,974 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $482,000 | 4,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,383 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $441,680 | 5,148 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,443,000 | 3,051 |
| Total interest expense | $1,063,000 | 2,204 |
| Net interest income | $1,380,000 | 3,651 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $386,000 | 2,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $386,000 | 1,592 |
| Total noninterest expense | $1,349,000 | 2,990 |
| Salaries and employee benefits | $806,000 | 2,754 |
| Premises and equipment expense | $317,000 | 1,887 |
| Additional noninterest expense | $226,000 | 4,689 |
| Pre-tax net operating income | $392,000 | 4,330 |
| Securities gains (losses) | $30,000 | 675 |
| Applicable income taxes | $172,000 | 2,849 |
| Income before extraordinary items | $250,000 | 4,868 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $250,000 | 4,869 |
| 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 | $230,800 | 5,038 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,917,000 | 3,126 |
| Total interest expense | $3,852,000 | 2,109 |
| Net interest income | $5,065,000 | 3,775 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,528,000 | 2,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,528,000 | 1,619 |
| Total noninterest expense | $5,114,000 | 3,045 |
| Salaries and employee benefits | $3,035,000 | 2,812 |
| Premises and equipment expense | $1,008,000 | 2,273 |
| Additional noninterest expense | $1,071,000 | 4,107 |
| Pre-tax net operating income | $1,479,000 | 4,277 |
| Securities gains (losses) | $72,000 | 1,478 |
| Applicable income taxes | $592,000 | 3,055 |
| Income before extraordinary items | $959,000 | 4,805 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $959,000 | 4,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,177 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $912,920 | 4,864 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,504,000 | 3,174 |
| Total interest expense | $2,859,000 | 2,098 |
| Net interest income | $3,645,000 | 3,875 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,119,000 | 2,703 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,119,000 | 1,635 |
| Total noninterest expense | $3,742,000 | 3,085 |
| Salaries and employee benefits | $2,270,000 | 2,793 |
| Premises and equipment expense | $743,000 | 2,311 |
| Additional noninterest expense | $729,000 | 4,384 |
| Pre-tax net operating income | $1,022,000 | 4,551 |
| Securities gains (losses) | $22,000 | 2,247 |
| Applicable income taxes | $383,000 | 3,382 |
| Income before extraordinary items | $661,000 | 5,104 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $661,000 | 5,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,322 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $646,920 | 5,080 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,231,000 | 3,234 |
| Total interest expense | $1,913,000 | 2,067 |
| Net interest income | $2,318,000 | 4,022 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $782,000 | 2,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $782,000 | 1,565 |
| Total noninterest expense | $2,349,000 | 3,289 |
| Salaries and employee benefits | $1,480,000 | 2,864 |
| Premises and equipment expense | $449,000 | 2,509 |
| Additional noninterest expense | $420,000 | 4,892 |
| Pre-tax net operating income | $751,000 | 4,275 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $262,000 | 3,314 |
| Income before extraordinary items | $492,000 | 4,778 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $492,000 | 4,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $490,050 | 4,696 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,055,000 | 3,322 |
| Total interest expense | $967,000 | 2,067 |
| Net interest income | $1,088,000 | 4,212 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $254,000 | 3,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $254,000 | 2,111 |
| Total noninterest expense | $1,177,000 | 3,281 |
| Salaries and employee benefits | $709,000 | 3,000 |
| Premises and equipment expense | $240,000 | 2,404 |
| Additional noninterest expense | $228,000 | 4,622 |
| Pre-tax net operating income | $165,000 | 6,248 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $56,000 | 4,705 |
| Income before extraordinary items | $112,000 | 6,660 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $112,000 | 6,660 |
| 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 | $109,990 | 6,596 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,916,000 | 3,137 |
| Total interest expense | $4,262,000 | 2,089 |
| Net interest income | $4,654,000 | 3,900 |
| Provision for loan and lease losses | $100,000 | 5,309 |
| Total noninterest income | $2,366,000 | 2,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,366,000 | 1,285 |
| Total noninterest expense | $4,783,000 | 3,162 |
| Salaries and employee benefits | $2,876,000 | 2,872 |
| Premises and equipment expense | $936,000 | 2,401 |
| Additional noninterest expense | $971,000 | 4,377 |
| Pre-tax net operating income | $2,137,000 | 3,249 |
| Securities gains (losses) | $406,000 | 864 |
| Applicable income taxes | $977,000 | 2,206 |
| Income before extraordinary items | $1,566,000 | 3,455 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,566,000 | 3,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,514 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,306,160 | 3,737 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,837,000 | 3,116 |
| Total interest expense | $3,245,000 | 2,144 |
| Net interest income | $3,592,000 | 3,825 |
| Provision for loan and lease losses | $100,000 | 4,641 |
| Total noninterest income | $1,939,000 | 1,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,939,000 | 1,261 |
| Total noninterest expense | $3,565,000 | 3,179 |
| Salaries and employee benefits | $2,176,000 | 2,859 |
| Premises and equipment expense | $716,000 | 2,355 |
| Additional noninterest expense | $673,000 | 4,601 |
| Pre-tax net operating income | $1,866,000 | 2,992 |
| Securities gains (losses) | $361,000 | 852 |
| Applicable income taxes | $852,000 | 2,112 |
| Income before extraordinary items | $1,375,000 | 3,168 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,375,000 | 3,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,669 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,143,960 | 3,456 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,690,000 | 3,065 |
| Total interest expense | $2,182,000 | 2,188 |
| Net interest income | $2,508,000 | 3,688 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $1,513,000 | 1,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,513,000 | 1,132 |
| Total noninterest expense | $2,443,000 | 3,108 |
| Salaries and employee benefits | $1,480,000 | 2,813 |
| Premises and equipment expense | $484,000 | 2,326 |
| Additional noninterest expense | $479,000 | 4,383 |
| Pre-tax net operating income | $1,478,000 | 2,631 |
| Securities gains (losses) | $232,000 | 954 |
| Applicable income taxes | $650,000 | 1,929 |
| Income before extraordinary items | $1,060,000 | 2,853 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,060,000 | 2,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,773 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $911,520 | 3,009 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,441,000 | 2,974 |
| Total interest expense | $1,123,000 | 2,174 |
| Net interest income | $1,318,000 | 3,540 |
| Provision for loan and lease losses | $100,000 | 2,353 |
| Total noninterest income | $1,146,000 | 1,203 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,146,000 | 813 |
| Total noninterest expense | $1,199,000 | 3,150 |
| Salaries and employee benefits | $724,000 | 2,865 |
| Premises and equipment expense | $235,000 | 2,366 |
| Additional noninterest expense | $240,000 | 4,349 |
| Pre-tax net operating income | $1,165,000 | 1,794 |
| Securities gains (losses) | $103,000 | 984 |
| Applicable income taxes | $472,000 | 1,440 |
| Income before extraordinary items | $796,000 | 1,984 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $796,000 | 1,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,538 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $730,080 | 2,017 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,328,000 | 2,932 |
| Total interest expense | $5,754,000 | 1,973 |
| Net interest income | $4,574,000 | 3,935 |
| Provision for loan and lease losses | $75,000 | 6,163 |
| Total noninterest income | $1,381,000 | 2,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,381,000 | 1,760 |
| Total noninterest expense | $4,379,000 | 3,298 |
| Salaries and employee benefits | $2,695,000 | 2,915 |
| Premises and equipment expense | $858,000 | 2,519 |
| Additional noninterest expense | $826,000 | 4,817 |
| Pre-tax net operating income | $1,501,000 | 4,121 |
| Securities gains (losses) | $288,000 | 923 |
| Applicable income taxes | $624,000 | 3,054 |
| Income before extraordinary items | $1,165,000 | 4,164 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,165,000 | 4,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 9,107 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $977,800 | 4,538 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,521,000 | 2,942 |
| Total interest expense | $7,892,000 | 2,045 |
| Net interest income | $3,629,000 | 4,450 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,407,000 | 2,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,407,000 | 1,609 |
| Total noninterest expense | $4,215,000 | 3,271 |
| Salaries and employee benefits | $2,585,000 | 2,865 |
| Premises and equipment expense | $772,000 | 2,724 |
| Additional noninterest expense | $858,000 | 4,559 |
| Pre-tax net operating income | $821,000 | 5,423 |
| Securities gains (losses) | $280,000 | 929 |
| Applicable income taxes | $452,000 | 3,493 |
| Income before extraordinary items | $649,000 | 5,417 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $649,000 | 5,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 9,220 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $469,800 | 6,094 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,154,000 | 3,094 |
| Total interest expense | $6,990,000 | 2,409 |
| Net interest income | $4,164,000 | 4,040 |
| Provision for loan and lease losses | $175,000 | 4,079 |
| Total noninterest income | $936,000 | 3,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $936,000 | 1,941 |
| Total noninterest expense | $4,000,000 | 3,334 |
| Salaries and employee benefits | $2,454,000 | 2,874 |
| Premises and equipment expense | $772,000 | 2,659 |
| Additional noninterest expense | $774,000 | 4,841 |
| Pre-tax net operating income | $925,000 | 5,468 |
| Securities gains (losses) | $31,000 | 834 |
| Applicable income taxes | $411,000 | 3,935 |
| Income before extraordinary items | $545,000 | 6,100 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $545,000 | 6,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,136 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $525,160 | 6,200 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,379,000 | 3,110 |
| Total interest expense | $6,341,000 | 2,314 |
| Net interest income | $4,038,000 | 4,140 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $1,300,000 | 2,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,300,000 | 1,535 |
| Total noninterest expense | $4,057,000 | 3,272 |
| Salaries and employee benefits | $2,422,000 | 2,888 |
| Premises and equipment expense | $782,000 | 2,591 |
| Additional noninterest expense | $853,000 | 4,578 |
| Pre-tax net operating income | $1,231,000 | 4,694 |
| Securities gains (losses) | $51,000 | 974 |
| Applicable income taxes | $486,000 | 3,702 |
| Income before extraordinary items | $796,000 | 5,109 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $796,000 | 5,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $763,360 | 5,185 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,664,000 | 3,027 |
| Total interest expense | $6,796,000 | 2,234 |
| Net interest income | $3,868,000 | 4,239 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,002,000 | 3,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,002,000 | 1,856 |
| Total noninterest expense | $3,810,000 | 3,368 |
| Salaries and employee benefits | $2,175,000 | 3,083 |
| Premises and equipment expense | $842,000 | 2,317 |
| Additional noninterest expense | $793,000 | 4,708 |
| Pre-tax net operating income | $1,060,000 | 5,242 |
| Securities gains (losses) | $147,000 | 1,059 |
| Applicable income taxes | $481,000 | 3,934 |
| Income before extraordinary items | $726,000 | 5,500 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $726,000 | 5,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $631,920 | 5,797 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,697,000 | 3,037 |
| Total interest expense | $6,765,000 | 2,231 |
| Net interest income | $3,932,000 | 4,294 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,407,000 | 2,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,407,000 | 1,384 |
| Total noninterest expense | $3,532,000 | 3,577 |
| Salaries and employee benefits | $2,044,000 | 3,240 |
| Premises and equipment expense | $742,000 | 2,599 |
| Additional noninterest expense | $746,000 | 4,979 |
| Pre-tax net operating income | $1,807,000 | 3,849 |
| Securities gains (losses) | $118,000 | 919 |
| Applicable income taxes | $507,000 | 4,176 |
| Income before extraordinary items | $1,418,000 | 3,526 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,418,000 | 3,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,330,680 | 3,649 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,677,000 | 3,077 |
| Total interest expense | $6,873,000 | 2,250 |
| Net interest income | $3,804,000 | 4,507 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $725,000 | 3,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $725,000 | 2,239 |
| Total noninterest expense | $4,510,000 | 3,006 |
| Salaries and employee benefits | $2,078,000 | 3,214 |
| Premises and equipment expense | $710,000 | 2,750 |
| Additional noninterest expense | $1,722,000 | 2,789 |
| Pre-tax net operating income | $19,000 | 10,716 |
| Securities gains (losses) | $43,000 | 1,439 |
| Applicable income taxes | $-4,000 | 10,909 |
| Income before extraordinary items | $66,000 | 10,485 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $66,000 | 10,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $23,000 | 10,669 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,627,000 | 3,121 |
| Total interest expense | $6,965,000 | 2,245 |
| Net interest income | $3,662,000 | 4,674 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $592,000 | 4,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $592,000 | 2,553 |
| Total noninterest expense | $3,531,000 | 3,717 |
| Salaries and employee benefits | $2,010,000 | 3,291 |
| Premises and equipment expense | $595,000 | 3,222 |
| Additional noninterest expense | $926,000 | 4,650 |
| Pre-tax net operating income | $723,000 | 7,207 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $296,000 | 6,050 |
| Income before extraordinary items | $443,000 | 7,698 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $443,000 | 7,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $432,760 | 7,760 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,784,000 | 3,090 |
| Total interest expense | $5,777,000 | 2,165 |
| Net interest income | $4,007,000 | 4,375 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $551,000 | 4,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $551,000 | 2,764 |
| Total noninterest expense | $3,491,000 | 3,854 |
| Salaries and employee benefits | $1,931,000 | 3,396 |
| Premises and equipment expense | $635,000 | 3,103 |
| Additional noninterest expense | $925,000 | 5,057 |
| Pre-tax net operating income | $1,067,000 | 5,688 |
| Securities gains (losses) | $22,000 | 1,687 |
| Applicable income taxes | $357,000 | 5,191 |
| Income before extraordinary items | $732,000 | 5,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $732,000 | 5,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,399 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $717,260 | 5,885 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,439,000 | 2,972 |
| Total interest expense | $6,402,000 | 2,021 |
| Net interest income | $4,037,000 | 4,361 |
| Provision for loan and lease losses | $110,000 | 5,504 |
| Total noninterest income | $618,000 | 4,861 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $618,000 | 2,828 |
| Total noninterest expense | $3,383,000 | 4,042 |
| Salaries and employee benefits | $1,836,000 | 3,546 |
| Premises and equipment expense | $662,000 | 3,030 |
| Additional noninterest expense | $885,000 | 5,450 |
| Pre-tax net operating income | $1,162,000 | 5,295 |
| Securities gains (losses) | $240,000 | 1,490 |
| Applicable income taxes | $446,000 | 4,614 |
| Income before extraordinary items | $956,000 | 4,853 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $956,000 | 4,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $792,800 | 5,369 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,728,000 | 2,995 |
| Total interest expense | $7,464,000 | 2,274 |
| Net interest income | $4,264,000 | 4,198 |
| Provision for loan and lease losses | $339,000 | 3,860 |
| Total noninterest income | $538,000 | 5,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $538,000 | 3,038 |
| Total noninterest expense | $4,993,000 | 2,874 |
| Salaries and employee benefits | $1,736,000 | 3,683 |
| Premises and equipment expense | $614,000 | 3,284 |
| Additional noninterest expense | $2,643,000 | 2,225 |
| Pre-tax net operating income | $-530,000 | 13,307 |
| Securities gains (losses) | $74,000 | 3,490 |
| Applicable income taxes | $-311,000 | 13,712 |
| Income before extraordinary items | $-145,000 | 13,119 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-145,000 | 13,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 8,793 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-192,360 | 13,052 |
* 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.