Home > Croydon Savings Bank > Income and Expense
Croydon Savings Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $310,000 | 7,697 |
| Total interest expense | $88,000 | 7,574 |
| Net interest income | $222,000 | 7,700 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $1,000 | 7,511 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $0 | 6,943 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,000 | 7,201 |
| Total noninterest expense | $147,000 | 7,790 |
| Salaries and employee benefits | $81,000 | 7,773 |
| Premises and equipment expense | $12,000 | 7,752 |
| Additional noninterest expense | $54,000 | 7,767 |
| Pre-tax net operating income | $76,000 | 5,655 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $26,000 | 3,648 |
| Income before extraordinary items | $50,000 | 5,897 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $50,000 | 5,900 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $50,000 | 5,899 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $50,000 | 5,791 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $146,000 | 7,813 |
| Total interest expense | $39,000 | 7,728 |
| Net interest income | $107,000 | 7,800 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $0 | 7,655 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $0 | 7,028 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $0 | 7,418 |
| Total noninterest expense | $75,000 | 7,892 |
| Salaries and employee benefits | $37,000 | 7,884 |
| Premises and equipment expense | $6,000 | 7,840 |
| Additional noninterest expense | $32,000 | 7,837 |
| Pre-tax net operating income | $32,000 | 5,895 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $16,000 | 3,569 |
| Income before extraordinary items | $16,000 | 6,167 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $16,000 | 6,168 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $16,000 | 6,168 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $16,000 | 6,062 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $607,000 | 7,871 |
| Total interest expense | $367,000 | 7,420 |
| Net interest income | $240,000 | 7,947 |
| Provision for loan and lease losses | $347,000 | 5,075 |
| Total noninterest income | $2,000 | 7,676 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $0 | 7,114 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,000 | 7,361 |
| Total noninterest expense | $315,000 | 7,970 |
| Salaries and employee benefits | $169,000 | 7,954 |
| Premises and equipment expense | $23,000 | 7,939 |
| Additional noninterest expense | $123,000 | 7,932 |
| Pre-tax net operating income | $-420,000 | 5,929 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-121,000 | 6,621 |
| Income before extraordinary items | $-299,000 | 5,921 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-299,000 | 5,920 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-299,000 | 5,920 |
| Net charge-offs | $175,000 | 5,155 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-299,000 | 5,920 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $478,000 | 7,953 |
| Total interest expense | $308,000 | 7,441 |
| Net interest income | $170,000 | 8,035 |
| Provision for loan and lease losses | $380,000 | 4,250 |
| Total noninterest income | $1,000 | 7,823 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $0 | 7,173 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,000 | 7,551 |
| Total noninterest expense | $242,000 | 8,047 |
| Salaries and employee benefits | $126,000 | 8,034 |
| Premises and equipment expense | $17,000 | 8,020 |
| Additional noninterest expense | $99,000 | 7,990 |
| Pre-tax net operating income | $-451,000 | 6,284 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-129,000 | 6,993 |
| Income before extraordinary items | $-322,000 | 6,265 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-322,000 | 6,266 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-322,000 | 6,265 |
| Net charge-offs | $175,000 | 4,406 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-322,000 | 6,250 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $334,000 | 8,033 |
| Total interest expense | $208,000 | 7,543 |
| Net interest income | $126,000 | 8,115 |
| Provision for loan and lease losses | $354,000 | 3,460 |
| Total noninterest income | $1,000 | 7,920 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $0 | 7,241 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,000 | 7,675 |
| Total noninterest expense | $151,000 | 8,147 |
| Salaries and employee benefits | $85,000 | 8,123 |
| Premises and equipment expense | $11,000 | 8,110 |
| Additional noninterest expense | $55,000 | 8,107 |
| Pre-tax net operating income | $-378,000 | 6,519 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-118,000 | 7,192 |
| Income before extraordinary items | $-260,000 | 6,487 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-260,000 | 6,486 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-260,000 | 6,486 |
| Net charge-offs | $145,000 | 3,819 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-260,000 | 6,474 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $149,000 | 8,119 |
| Total interest expense | $106,000 | 7,603 |
| Net interest income | $43,000 | 8,184 |
| Provision for loan and lease losses | $340,000 | 2,170 |
| Total noninterest income | $0 | 8,039 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $0 | 7,262 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $0 | 7,833 |
| Total noninterest expense | $75,000 | 8,197 |
| Salaries and employee benefits | $42,000 | 8,177 |
| Premises and equipment expense | $6,000 | 8,138 |
| Additional noninterest expense | $27,000 | 8,144 |
| Pre-tax net operating income | $-372,000 | 7,163 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-113,000 | 7,580 |
| Income before extraordinary items | $-259,000 | 7,131 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-259,000 | 7,131 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-259,000 | 7,132 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-259,000 | 7,071 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $766,000 | 8,099 |
| Total interest expense | $388,000 | 7,859 |
| Net interest income | $378,000 | 8,157 |
| Provision for loan and lease losses | $12,000 | 7,126 |
| Total noninterest income | $4,000 | 8,061 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,335 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $4,000 | 7,828 |
| Total noninterest expense | $266,000 | 8,254 |
| Salaries and employee benefits | $164,000 | 8,228 |
| Premises and equipment expense | $20,000 | 8,216 |
| Additional noninterest expense | $82,000 | 8,237 |
| Pre-tax net operating income | $104,000 | 6,006 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $31,000 | 4,100 |
| Income before extraordinary items | $73,000 | 5,965 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $73,000 | 5,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $73,000 | 6,105 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $554,000 | 8,206 |
| Total interest expense | $268,000 | 8,001 |
| Net interest income | $286,000 | 8,246 |
| Provision for loan and lease losses | $7,000 | 6,838 |
| Total noninterest income | $4,000 | 8,171 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $0 | 7,386 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,000 | 7,959 |
| Total noninterest expense | $200,000 | 8,330 |
| Salaries and employee benefits | $117,000 | 8,309 |
| Premises and equipment expense | $14,000 | 8,306 |
| Additional noninterest expense | $69,000 | 8,303 |
| Pre-tax net operating income | $83,000 | 6,463 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $23,000 | 4,535 |
| Income before extraordinary items | $60,000 | 6,361 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $60,000 | 6,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $60,000 | 6,528 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $352,000 | 8,283 |
| Total interest expense | $175,000 | 8,090 |
| Net interest income | $177,000 | 8,325 |
| Provision for loan and lease losses | $2,000 | 6,624 |
| Total noninterest income | $2,000 | 8,267 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $0 | 7,428 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,000 | 8,087 |
| Total noninterest expense | $129,000 | 8,403 |
| Salaries and employee benefits | $76,000 | 8,386 |
| Premises and equipment expense | $9,000 | 8,375 |
| Additional noninterest expense | $44,000 | 8,366 |
| Pre-tax net operating income | $48,000 | 6,684 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $13,000 | 4,890 |
| Income before extraordinary items | $35,000 | 6,790 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $35,000 | 6,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $35,000 | 6,726 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $170,000 | 8,346 |
| Total interest expense | $88,000 | 8,160 |
| Net interest income | $82,000 | 8,398 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $1,000 | 8,296 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $60,000 | 8,452 |
| Salaries and employee benefits | $38,000 | 8,428 |
| Premises and equipment expense | $5,000 | 8,402 |
| Additional noninterest expense | $17,000 | 8,437 |
| Pre-tax net operating income | $23,000 | 6,937 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $7,000 | 4,983 |
| Income before extraordinary items | $16,000 | 7,069 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $16,000 | 7,070 |
| 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 | $16,000 | 6,977 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $732,000 | 8,305 |
| Total interest expense | $415,000 | 8,070 |
| Net interest income | $317,000 | 8,407 |
| Provision for loan and lease losses | $1,000 | 6,828 |
| Total noninterest income | $3,000 | 8,378 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $0 | 7,508 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,000 | 8,238 |
| Total noninterest expense | $237,000 | 8,490 |
| Salaries and employee benefits | $149,000 | 8,465 |
| Premises and equipment expense | $19,000 | 8,448 |
| Additional noninterest expense | $69,000 | 8,480 |
| Pre-tax net operating income | $82,000 | 7,198 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $24,000 | 5,330 |
| Income before extraordinary items | $58,000 | 7,298 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $58,000 | 7,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $58,000 | 7,269 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $554,000 | 8,353 |
| Total interest expense | $311,000 | 8,123 |
| Net interest income | $243,000 | 8,451 |
| Provision for loan and lease losses | $1,000 | 6,502 |
| Total noninterest income | $2,000 | 8,421 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,000 | 8,302 |
| Total noninterest expense | $180,000 | 8,507 |
| Salaries and employee benefits | $109,000 | 8,486 |
| Premises and equipment expense | $15,000 | 8,462 |
| Additional noninterest expense | $56,000 | 8,489 |
| Pre-tax net operating income | $64,000 | 7,441 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $19,000 | 5,497 |
| Income before extraordinary items | $45,000 | 7,510 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $45,000 | 7,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $45,000 | 7,497 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $368,000 | 8,422 |
| Total interest expense | $205,000 | 8,188 |
| Net interest income | $163,000 | 8,512 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $2,000 | 8,471 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,000 | 8,320 |
| Total noninterest expense | $119,000 | 8,563 |
| Salaries and employee benefits | $70,000 | 8,541 |
| Premises and equipment expense | $9,000 | 8,515 |
| Additional noninterest expense | $40,000 | 8,532 |
| Pre-tax net operating income | $46,000 | 7,536 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $15,000 | 5,484 |
| Income before extraordinary items | $31,000 | 7,615 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $31,000 | 7,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $31,000 | 7,600 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $181,000 | 8,491 |
| Total interest expense | $100,000 | 8,247 |
| Net interest income | $81,000 | 8,565 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,000 | 8,512 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $59,000 | 8,603 |
| Salaries and employee benefits | $36,000 | 8,585 |
| Premises and equipment expense | $6,000 | 8,513 |
| Additional noninterest expense | $17,000 | 8,588 |
| Pre-tax net operating income | $23,000 | 7,624 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $10,000 | 5,322 |
| Income before extraordinary items | $13,000 | 7,721 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $13,000 | 7,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $13,000 | 7,701 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $613,000 | 8,498 |
| Total interest expense | $337,000 | 8,234 |
| Net interest income | $276,000 | 8,572 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $2,000 | 8,568 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,463 |
| Total noninterest expense | $229,000 | 8,634 |
| Salaries and employee benefits | $141,000 | 8,606 |
| Premises and equipment expense | $21,000 | 8,580 |
| Additional noninterest expense | $67,000 | 8,623 |
| Pre-tax net operating income | $49,000 | 7,845 |
| Securities gains (losses) | $102,000 | 537 |
| Applicable income taxes | $47,000 | 5,497 |
| Income before extraordinary items | $104,000 | 7,658 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $104,000 | 7,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $33,620 | 7,881 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $447,000 | 8,561 |
| Total interest expense | $250,000 | 8,280 |
| Net interest income | $197,000 | 8,644 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $2,000 | 8,639 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,526 |
| Total noninterest expense | $181,000 | 8,687 |
| Salaries and employee benefits | $103,000 | 8,665 |
| Premises and equipment expense | $16,000 | 8,635 |
| Additional noninterest expense | $62,000 | 8,649 |
| Pre-tax net operating income | $18,000 | 8,055 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,000 | 6,487 |
| Income before extraordinary items | $15,000 | 8,085 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $15,000 | 8,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $15,000 | 8,072 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $285,000 | 8,630 |
| Total interest expense | $162,000 | 8,304 |
| Net interest income | $123,000 | 8,697 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,000 | 8,682 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,582 |
| Total noninterest expense | $118,000 | 8,729 |
| Salaries and employee benefits | $69,000 | 8,712 |
| Premises and equipment expense | $10,000 | 8,672 |
| Additional noninterest expense | $39,000 | 8,692 |
| Pre-tax net operating income | $6,000 | 8,143 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $5,000 | 8,153 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,000 | 8,154 |
| 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 | $5,000 | 8,146 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $138,000 | 8,661 |
| Total interest expense | $79,000 | 8,318 |
| Net interest income | $59,000 | 8,728 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,000 | 8,667 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $54,000 | 8,755 |
| Salaries and employee benefits | $35,000 | 8,723 |
| Premises and equipment expense | $6,000 | 8,653 |
| Additional noninterest expense | $13,000 | 8,759 |
| Pre-tax net operating income | $6,000 | 8,154 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $5,000 | 8,156 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,000 | 8,156 |
| 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 | $5,000 | 8,146 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $468,000 | 8,653 |
| Total interest expense | $189,000 | 8,465 |
| Net interest income | $279,000 | 8,689 |
| Provision for loan and lease losses | $3,000 | 7,042 |
| Total noninterest income | $2,000 | 8,736 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,000 | 8,635 |
| Total noninterest expense | $220,000 | 8,789 |
| Salaries and employee benefits | $142,000 | 8,755 |
| Premises and equipment expense | $16,000 | 8,748 |
| Additional noninterest expense | $62,000 | 8,781 |
| Pre-tax net operating income | $58,000 | 8,112 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $13,000 | 6,454 |
| Income before extraordinary items | $45,000 | 8,166 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $45,000 | 8,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $45,000 | 8,136 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $349,000 | 8,709 |
| Total interest expense | $132,000 | 8,519 |
| Net interest income | $217,000 | 8,737 |
| Provision for loan and lease losses | $3,000 | 6,812 |
| Total noninterest income | $2,000 | 8,774 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,654 |
| Total noninterest expense | $165,000 | 8,810 |
| Salaries and employee benefits | $104,000 | 8,777 |
| Premises and equipment expense | $13,000 | 8,752 |
| Additional noninterest expense | $48,000 | 8,797 |
| Pre-tax net operating income | $51,000 | 8,186 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $12,000 | 6,473 |
| Income before extraordinary items | $39,000 | 8,229 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $39,000 | 8,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $39,000 | 8,199 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $233,000 | 8,716 |
| Total interest expense | $85,000 | 8,534 |
| Net interest income | $148,000 | 8,757 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $2,000 | 8,770 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,000 | 8,611 |
| Total noninterest expense | $105,000 | 8,825 |
| Salaries and employee benefits | $65,000 | 8,802 |
| Premises and equipment expense | $8,000 | 8,757 |
| Additional noninterest expense | $32,000 | 8,804 |
| Pre-tax net operating income | $45,000 | 8,159 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $10,000 | 6,414 |
| Income before extraordinary items | $35,000 | 8,200 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $35,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $35,000 | 8,167 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $121,000 | 8,781 |
| Total interest expense | $41,000 | 8,598 |
| Net interest income | $80,000 | 8,818 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,000 | 8,826 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $49,000 | 8,897 |
| Salaries and employee benefits | $33,000 | 8,866 |
| Premises and equipment expense | $4,000 | 8,826 |
| Additional noninterest expense | $12,000 | 8,891 |
| Pre-tax net operating income | $32,000 | 8,121 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $7,000 | 6,248 |
| Income before extraordinary items | $25,000 | 8,168 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $25,000 | 8,168 |
| 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 | $25,000 | 8,143 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $475,000 | 8,770 |
| Total interest expense | $151,000 | 8,612 |
| Net interest income | $324,000 | 8,804 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $5,000 | 8,872 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,000 | 8,690 |
| Total noninterest expense | $210,000 | 8,924 |
| Salaries and employee benefits | $135,000 | 8,894 |
| Premises and equipment expense | $18,000 | 8,879 |
| Additional noninterest expense | $57,000 | 8,922 |
| Pre-tax net operating income | $119,000 | 8,050 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $35,000 | 6,251 |
| Income before extraordinary items | $84,000 | 8,160 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $84,000 | 8,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $84,000 | 8,120 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $357,000 | 8,823 |
| Total interest expense | $111,000 | 8,668 |
| Net interest income | $246,000 | 8,847 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $4,000 | 8,938 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,732 |
| Total noninterest expense | $156,000 | 8,970 |
| Salaries and employee benefits | $94,000 | 8,955 |
| Premises and equipment expense | $13,000 | 8,928 |
| Additional noninterest expense | $49,000 | 8,948 |
| Pre-tax net operating income | $94,000 | 8,147 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $26,000 | 6,375 |
| Income before extraordinary items | $68,000 | 8,235 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $68,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $68,000 | 8,195 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $235,000 | 8,890 |
| Total interest expense | $74,000 | 8,729 |
| Net interest income | $161,000 | 8,914 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $3,000 | 8,988 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $109,000 | 9,023 |
| Salaries and employee benefits | $63,000 | 9,010 |
| Premises and equipment expense | $8,000 | 8,987 |
| Additional noninterest expense | $38,000 | 8,975 |
| Pre-tax net operating income | $55,000 | 8,220 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $16,000 | 6,416 |
| Income before extraordinary items | $39,000 | 8,324 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $39,000 | 8,327 |
| 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 | $39,000 | 8,260 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $118,000 | 8,946 |
| Total interest expense | $37,000 | 8,783 |
| Net interest income | $81,000 | 8,960 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $2,000 | 9,001 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $48,000 | 9,074 |
| Salaries and employee benefits | $31,000 | 9,051 |
| Premises and equipment expense | $4,000 | 9,002 |
| Additional noninterest expense | $13,000 | 9,068 |
| Pre-tax net operating income | $35,000 | 8,111 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $11,000 | 6,197 |
| Income before extraordinary items | $24,000 | 8,256 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $24,000 | 8,257 |
| 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 | $24,000 | 8,188 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $450,000 | 8,985 |
| Total interest expense | $166,000 | 8,821 |
| Net interest income | $284,000 | 9,000 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $4,000 | 9,093 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,000 | 8,931 |
| Total noninterest expense | $184,000 | 9,136 |
| Salaries and employee benefits | $107,000 | 9,113 |
| Premises and equipment expense | $18,000 | 9,082 |
| Additional noninterest expense | $59,000 | 9,114 |
| Pre-tax net operating income | $104,000 | 8,183 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $29,000 | 6,629 |
| Income before extraordinary items | $75,000 | 8,350 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $75,000 | 8,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $75,000 | 8,240 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $345,000 | 9,061 |
| Total interest expense | $129,000 | 8,914 |
| Net interest income | $216,000 | 9,079 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $4,000 | 9,145 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 8,966 |
| Total noninterest expense | $140,000 | 9,194 |
| Salaries and employee benefits | $76,000 | 9,177 |
| Premises and equipment expense | $13,000 | 9,141 |
| Additional noninterest expense | $51,000 | 9,150 |
| Pre-tax net operating income | $80,000 | 8,328 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $21,000 | 6,780 |
| Income before extraordinary items | $59,000 | 8,474 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $59,000 | 8,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $59,000 | 8,361 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $239,000 | 9,089 |
| Total interest expense | $88,000 | 8,958 |
| Net interest income | $151,000 | 9,107 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,000 | 9,203 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,000 | 9,074 |
| Total noninterest expense | $97,000 | 9,218 |
| Salaries and employee benefits | $51,000 | 9,205 |
| Premises and equipment expense | $9,000 | 9,155 |
| Additional noninterest expense | $37,000 | 9,156 |
| Pre-tax net operating income | $55,000 | 8,339 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $15,000 | 6,772 |
| Income before extraordinary items | $40,000 | 8,511 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $40,000 | 8,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $40,000 | 8,385 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $129,000 | 9,125 |
| Total interest expense | $49,000 | 8,981 |
| Net interest income | $80,000 | 9,148 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $1,000 | 9,226 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $45,000 | 9,267 |
| Salaries and employee benefits | $25,000 | 9,255 |
| Premises and equipment expense | $5,000 | 9,168 |
| Additional noninterest expense | $15,000 | 9,237 |
| Pre-tax net operating income | $36,000 | 8,212 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $26,000 | 8,360 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $26,000 | 8,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $26,000 | 8,235 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $436,000 | 9,188 |
| Total interest expense | $206,000 | 9,060 |
| Net interest income | $230,000 | 9,221 |
| Provision for loan and lease losses | $3,000 | 8,029 |
| Total noninterest income | $21,000 | 9,168 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $21,000 | 8,496 |
| Total noninterest expense | $163,000 | 9,315 |
| Salaries and employee benefits | $96,000 | 9,295 |
| Premises and equipment expense | $18,000 | 9,251 |
| Additional noninterest expense | $49,000 | 9,303 |
| Pre-tax net operating income | $85,000 | 8,357 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $23,000 | 6,986 |
| Income before extraordinary items | $62,000 | 8,503 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $62,000 | 8,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $62,000 | 8,414 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $417,000 | 9,459 |
| Total interest expense | $224,000 | 9,365 |
| Net interest income | $193,000 | 9,497 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $3,000 | 9,531 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,000 | 9,387 |
| Total noninterest expense | $149,000 | 9,585 |
| Salaries and employee benefits | $85,000 | 9,564 |
| Premises and equipment expense | $18,000 | 9,513 |
| Additional noninterest expense | $46,000 | 9,562 |
| Pre-tax net operating income | $41,000 | 8,572 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $8,000 | 7,657 |
| Income before extraordinary items | $33,000 | 8,681 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $33,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $33,000 | 8,591 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $409,000 | 9,744 |
| Total interest expense | $231,000 | 9,617 |
| Net interest income | $178,000 | 9,791 |
| Provision for loan and lease losses | $3,000 | 8,228 |
| Total noninterest income | $1,000 | 9,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 9,788 |
| Total noninterest expense | $121,000 | 9,877 |
| Salaries and employee benefits | $74,000 | 9,855 |
| Premises and equipment expense | $12,000 | 9,826 |
| Additional noninterest expense | $35,000 | 9,863 |
| Pre-tax net operating income | $55,000 | 8,953 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $24,000 | 7,748 |
| Income before extraordinary items | $31,000 | 9,023 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $31,000 | 9,021 |
| 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 | $31,000 | 9,007 |
* 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.