Home > Desert Community Bank > Income and Expense
Desert Community Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $19,901,000 | 1,079 |
| Total interest expense | $5,671,000 | 1,765 |
| Net interest income | $14,230,000 | 793 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $2,846,000 | 1,004 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,223,000 | 712 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,623,000 | 985 |
| Total noninterest expense | $12,869,000 | 737 |
| Salaries and employee benefits | $7,011,000 | 703 |
| Premises and equipment expense | $1,422,000 | 929 |
| Additional noninterest expense | $4,436,000 | 636 |
| Pre-tax net operating income | $4,207,000 | 1,127 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,723,000 | 815 |
| Income before extraordinary items | $2,484,000 | 1,422 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,484,000 | 1,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 1,227 |
| Cash dividends | $713,000 | 1,953 |
| Sale, conversion, retirement of capital stock, net | $731,000 | 267 |
| Net operating income | $2,484,000 | 1,403 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,631,000 | 1,105 |
| Total interest expense | $2,640,000 | 1,865 |
| Net interest income | $6,991,000 | 797 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,317,000 | 1,058 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $519,000 | 823 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $798,000 | 990 |
| Total noninterest expense | $6,460,000 | 726 |
| Salaries and employee benefits | $3,680,000 | 684 |
| Premises and equipment expense | $697,000 | 945 |
| Additional noninterest expense | $2,083,000 | 667 |
| Pre-tax net operating income | $1,848,000 | 1,264 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $723,000 | 953 |
| Income before extraordinary items | $1,125,000 | 1,535 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,125,000 | 1,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,876 |
| Cash dividends | $238,000 | 2,239 |
| Sale, conversion, retirement of capital stock, net | $404,000 | 188 |
| Net operating income | $1,125,000 | 1,525 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $36,709,000 | 1,075 |
| Total interest expense | $8,083,000 | 2,024 |
| Net interest income | $28,626,000 | 775 |
| Provision for loan and lease losses | $630,000 | 1,547 |
| Total noninterest income | $5,908,000 | 955 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,638,000 | 1,079 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,270,000 | 768 |
| Total noninterest expense | $22,603,000 | 781 |
| Salaries and employee benefits | $12,803,000 | 729 |
| Premises and equipment expense | $2,858,000 | 888 |
| Additional noninterest expense | $6,942,000 | 781 |
| Pre-tax net operating income | $11,301,000 | 885 |
| Securities gains (losses) | $61,000 | 644 |
| Applicable income taxes | $4,547,000 | 683 |
| Income before extraordinary items | $6,815,000 | 1,095 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,815,000 | 1,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,890 |
| Cash dividends | $710,000 | 3,174 |
| Sale, conversion, retirement of capital stock, net | $1,890,000 | 421 |
| Net operating income | $6,775,960 | 1,087 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $27,009,000 | 1,100 |
| Total interest expense | $5,502,000 | 2,147 |
| Net interest income | $21,507,000 | 791 |
| Provision for loan and lease losses | $600,000 | 1,201 |
| Total noninterest income | $4,307,000 | 989 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,202,000 | 1,113 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,105,000 | 795 |
| Total noninterest expense | $16,592,000 | 808 |
| Salaries and employee benefits | $9,578,000 | 751 |
| Premises and equipment expense | $2,133,000 | 893 |
| Additional noninterest expense | $4,881,000 | 832 |
| Pre-tax net operating income | $8,622,000 | 901 |
| Securities gains (losses) | $-78,000 | 8,324 |
| Applicable income taxes | $3,176,000 | 760 |
| Income before extraordinary items | $5,368,000 | 1,080 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,368,000 | 1,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-83,000 | 8,489 |
| Cash dividends | $472,000 | 3,031 |
| Sale, conversion, retirement of capital stock, net | $1,318,000 | 348 |
| Net operating income | $5,417,920 | 1,057 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,833,000 | 1,080 |
| Total interest expense | $3,402,000 | 2,185 |
| Net interest income | $14,431,000 | 784 |
| Provision for loan and lease losses | $350,000 | 1,308 |
| Total noninterest income | $2,429,000 | 1,132 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $767,000 | 1,154 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,662,000 | 954 |
| Total noninterest expense | $10,738,000 | 833 |
| Salaries and employee benefits | $6,302,000 | 768 |
| Premises and equipment expense | $1,357,000 | 933 |
| Additional noninterest expense | $3,079,000 | 868 |
| Pre-tax net operating income | $5,772,000 | 898 |
| Securities gains (losses) | $-78,000 | 8,480 |
| Applicable income taxes | $2,095,000 | 770 |
| Income before extraordinary items | $3,599,000 | 1,066 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,599,000 | 1,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,811 |
| Cash dividends | $236,000 | 3,480 |
| Sale, conversion, retirement of capital stock, net | $617,000 | 309 |
| Net operating income | $3,648,920 | 1,038 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,681,000 | 1,080 |
| Total interest expense | $1,694,000 | 2,102 |
| Net interest income | $6,987,000 | 804 |
| Provision for loan and lease losses | $239,000 | 977 |
| Total noninterest income | $1,292,000 | 1,053 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $378,000 | 1,144 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $914,000 | 863 |
| Total noninterest expense | $5,015,000 | 894 |
| Salaries and employee benefits | $3,135,000 | 769 |
| Premises and equipment expense | $531,000 | 1,217 |
| Additional noninterest expense | $1,349,000 | 988 |
| Pre-tax net operating income | $3,025,000 | 842 |
| Securities gains (losses) | $-78,000 | 8,631 |
| Applicable income taxes | $1,095,000 | 737 |
| Income before extraordinary items | $1,852,000 | 1,033 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,852,000 | 1,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,166 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $329,000 | 217 |
| Net operating income | $1,901,920 | 980 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $30,931,000 | 1,062 |
| Total interest expense | $4,556,000 | 2,395 |
| Net interest income | $26,375,000 | 801 |
| Provision for loan and lease losses | $410,000 | 2,236 |
| Total noninterest income | $5,451,000 | 1,019 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,035,000 | 854 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,416,000 | 921 |
| Total noninterest expense | $21,024,000 | 801 |
| Salaries and employee benefits | $11,037,000 | 828 |
| Premises and equipment expense | $2,566,000 | 934 |
| Additional noninterest expense | $7,421,000 | 715 |
| Pre-tax net operating income | $10,392,000 | 951 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,584,000 | 845 |
| Income before extraordinary items | $6,808,000 | 1,061 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,808,000 | 1,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 1,200 |
| Cash dividends | $559,000 | 3,459 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 743 |
| Net operating income | $6,808,000 | 1,040 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $22,483,000 | 1,066 |
| Total interest expense | $3,129,000 | 2,454 |
| Net interest income | $19,354,000 | 820 |
| Provision for loan and lease losses | $625,000 | 1,171 |
| Total noninterest income | $4,138,000 | 1,019 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,446,000 | 902 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,692,000 | 891 |
| Total noninterest expense | $15,060,000 | 838 |
| Salaries and employee benefits | $8,098,000 | 838 |
| Premises and equipment expense | $1,924,000 | 925 |
| Additional noninterest expense | $5,038,000 | 773 |
| Pre-tax net operating income | $7,807,000 | 943 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,967,000 | 787 |
| Income before extraordinary items | $4,840,000 | 1,117 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,840,000 | 1,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,123 |
| Cash dividends | $353,000 | 3,292 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 669 |
| Net operating income | $4,840,000 | 1,095 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,216,000 | 1,086 |
| Total interest expense | $1,874,000 | 2,548 |
| Net interest income | $12,342,000 | 849 |
| Provision for loan and lease losses | $500,000 | 966 |
| Total noninterest income | $2,761,000 | 999 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,433,000 | 577 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,328,000 | 1,092 |
| Total noninterest expense | $9,931,000 | 839 |
| Salaries and employee benefits | $5,279,000 | 849 |
| Premises and equipment expense | $1,277,000 | 912 |
| Additional noninterest expense | $3,375,000 | 773 |
| Pre-tax net operating income | $4,672,000 | 1,014 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,828,000 | 822 |
| Income before extraordinary items | $2,844,000 | 1,236 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,844,000 | 1,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 887 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,844,000 | 1,210 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,969,000 | 1,090 |
| Total interest expense | $906,000 | 2,525 |
| Net interest income | $6,063,000 | 853 |
| Provision for loan and lease losses | $300,000 | 755 |
| Total noninterest income | $1,317,000 | 1,002 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $477,000 | 861 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $840,000 | 910 |
| Total noninterest expense | $4,942,000 | 840 |
| Salaries and employee benefits | $2,655,000 | 837 |
| Premises and equipment expense | $618,000 | 960 |
| Additional noninterest expense | $1,669,000 | 762 |
| Pre-tax net operating income | $2,138,000 | 1,081 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $858,000 | 856 |
| Income before extraordinary items | $1,280,000 | 1,351 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,280,000 | 1,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,709 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,280,000 | 1,321 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $26,306,000 | 1,078 |
| Total interest expense | $3,124,000 | 2,534 |
| Net interest income | $23,182,000 | 849 |
| Provision for loan and lease losses | $2,375,000 | 470 |
| Total noninterest income | $5,981,000 | 914 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,319,000 | 758 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,662,000 | 847 |
| Total noninterest expense | $18,992,000 | 854 |
| Salaries and employee benefits | $9,776,000 | 877 |
| Premises and equipment expense | $2,368,000 | 965 |
| Additional noninterest expense | $6,848,000 | 750 |
| Pre-tax net operating income | $7,796,000 | 1,130 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,852,000 | 941 |
| Income before extraordinary items | $4,944,000 | 1,313 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,944,000 | 1,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,005,000 | 460 |
| Cash dividends | $706,000 | 2,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,944,000 | 1,281 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,256,000 | 1,088 |
| Total interest expense | $2,260,000 | 2,581 |
| Net interest income | $16,996,000 | 864 |
| Provision for loan and lease losses | $1,625,000 | 489 |
| Total noninterest income | $4,417,000 | 943 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,146,000 | 618 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,271,000 | 983 |
| Total noninterest expense | $13,914,000 | 872 |
| Salaries and employee benefits | $7,228,000 | 891 |
| Premises and equipment expense | $1,743,000 | 986 |
| Additional noninterest expense | $4,943,000 | 765 |
| Pre-tax net operating income | $5,874,000 | 1,124 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,448,000 | 871 |
| Income before extraordinary items | $3,426,000 | 1,443 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,426,000 | 1,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,828,000 | 377 |
| Cash dividends | $353,000 | 3,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,426,000 | 1,397 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,362,000 | 1,119 |
| Total interest expense | $1,472,000 | 2,618 |
| Net interest income | $10,890,000 | 898 |
| Provision for loan and lease losses | $875,000 | 580 |
| Total noninterest income | $2,633,000 | 1,041 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,436,000 | 607 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,197,000 | 1,177 |
| Total noninterest expense | $9,119,000 | 890 |
| Salaries and employee benefits | $4,801,000 | 892 |
| Premises and equipment expense | $832,000 | 1,389 |
| Additional noninterest expense | $3,486,000 | 727 |
| Pre-tax net operating income | $3,529,000 | 1,218 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,342,000 | 1,012 |
| Income before extraordinary items | $2,187,000 | 1,469 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,187,000 | 1,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,349,000 | 336 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,187,000 | 1,414 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,042,000 | 1,156 |
| Total interest expense | $735,000 | 2,647 |
| Net interest income | $5,307,000 | 930 |
| Provision for loan and lease losses | $225,000 | 1,035 |
| Total noninterest income | $1,357,000 | 991 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $518,000 | 814 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $839,000 | 892 |
| Total noninterest expense | $4,474,000 | 916 |
| Salaries and employee benefits | $2,408,000 | 898 |
| Premises and equipment expense | $570,000 | 1,030 |
| Additional noninterest expense | $1,496,000 | 822 |
| Pre-tax net operating income | $1,965,000 | 1,085 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $747,000 | 944 |
| Income before extraordinary items | $1,218,000 | 1,323 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,218,000 | 1,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,765 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,218,000 | 1,260 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,893,000 | 1,195 |
| Total interest expense | $3,573,000 | 2,460 |
| Net interest income | $20,320,000 | 941 |
| Provision for loan and lease losses | $1,800,000 | 706 |
| Total noninterest income | $5,010,000 | 1,130 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,259,000 | 755 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,751,000 | 1,153 |
| Total noninterest expense | $17,313,000 | 934 |
| Salaries and employee benefits | $8,350,000 | 1,017 |
| Premises and equipment expense | $2,239,000 | 1,023 |
| Additional noninterest expense | $6,724,000 | 768 |
| Pre-tax net operating income | $6,217,000 | 1,324 |
| Securities gains (losses) | $286,000 | 1,074 |
| Applicable income taxes | $2,264,000 | 1,168 |
| Income before extraordinary items | $4,239,000 | 1,477 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,239,000 | 1,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,143,000 | 526 |
| Cash dividends | $883,000 | 2,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,053,100 | 1,475 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,051,000 | 1,215 |
| Total interest expense | $2,758,000 | 2,482 |
| Net interest income | $15,293,000 | 955 |
| Provision for loan and lease losses | $1,325,000 | 708 |
| Total noninterest income | $3,639,000 | 1,176 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,929,000 | 677 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,710,000 | 1,397 |
| Total noninterest expense | $13,055,000 | 937 |
| Salaries and employee benefits | $6,164,000 | 1,042 |
| Premises and equipment expense | $1,667,000 | 1,038 |
| Additional noninterest expense | $5,224,000 | 749 |
| Pre-tax net operating income | $4,552,000 | 1,418 |
| Securities gains (losses) | $167,000 | 1,343 |
| Applicable income taxes | $1,823,000 | 1,132 |
| Income before extraordinary items | $2,896,000 | 1,665 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,896,000 | 1,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,198,000 | 614 |
| Cash dividends | $530,000 | 2,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,789,120 | 1,634 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,148,000 | 1,216 |
| Total interest expense | $1,941,000 | 2,440 |
| Net interest income | $10,207,000 | 950 |
| Provision for loan and lease losses | $725,000 | 853 |
| Total noninterest income | $2,377,000 | 1,196 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,129,000 | 756 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,248,000 | 1,295 |
| Total noninterest expense | $8,574,000 | 958 |
| Salaries and employee benefits | $4,078,000 | 1,048 |
| Premises and equipment expense | $1,132,000 | 1,021 |
| Additional noninterest expense | $3,364,000 | 774 |
| Pre-tax net operating income | $3,285,000 | 1,303 |
| Securities gains (losses) | $43,000 | 2,122 |
| Applicable income taxes | $1,282,000 | 1,118 |
| Income before extraordinary items | $2,046,000 | 1,584 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,046,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $596,000 | 759 |
| Cash dividends | $530,000 | 2,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,018,480 | 1,507 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,968,000 | 1,244 |
| Total interest expense | $955,000 | 2,536 |
| Net interest income | $5,013,000 | 964 |
| Provision for loan and lease losses | $225,000 | 1,208 |
| Total noninterest income | $1,136,000 | 1,214 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $561,000 | 745 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $575,000 | 1,345 |
| Total noninterest expense | $4,262,000 | 960 |
| Salaries and employee benefits | $2,009,000 | 1,057 |
| Premises and equipment expense | $577,000 | 998 |
| Additional noninterest expense | $1,676,000 | 760 |
| Pre-tax net operating income | $1,662,000 | 1,292 |
| Securities gains (losses) | $43,000 | 1,472 |
| Applicable income taxes | $663,000 | 1,111 |
| Income before extraordinary items | $1,042,000 | 1,545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,042,000 | 1,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,802 |
| Cash dividends | $176,000 | 2,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,014,480 | 1,487 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,259,000 | 1,313 |
| Total interest expense | $4,678,000 | 2,375 |
| Net interest income | $18,581,000 | 1,042 |
| Provision for loan and lease losses | $1,765,000 | 826 |
| Total noninterest income | $4,614,000 | 1,134 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,356,000 | 684 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,258,000 | 1,204 |
| Total noninterest expense | $15,715,000 | 997 |
| Salaries and employee benefits | $7,487,000 | 1,062 |
| Premises and equipment expense | $2,401,000 | 907 |
| Additional noninterest expense | $5,827,000 | 854 |
| Pre-tax net operating income | $5,715,000 | 1,456 |
| Securities gains (losses) | $79,000 | 1,976 |
| Applicable income taxes | $2,048,000 | 1,267 |
| Income before extraordinary items | $3,746,000 | 1,601 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,746,000 | 1,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $668,000 | 1,340 |
| Cash dividends | $284,000 | 4,425 |
| Sale, conversion, retirement of capital stock, net | $1,496,000 | 333 |
| Net operating income | $3,694,650 | 1,573 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,826,000 | 1,368 |
| Total interest expense | $8,107,000 | 1,997 |
| Net interest income | $16,719,000 | 1,072 |
| Provision for loan and lease losses | $1,910,000 | 741 |
| Total noninterest income | $4,063,000 | 1,169 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,355,000 | 634 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,708,000 | 1,391 |
| Total noninterest expense | $13,554,000 | 1,089 |
| Salaries and employee benefits | $6,332,000 | 1,172 |
| Premises and equipment expense | $2,401,000 | 875 |
| Additional noninterest expense | $4,821,000 | 1,008 |
| Pre-tax net operating income | $5,318,000 | 1,369 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,007,000 | 1,172 |
| Income before extraordinary items | $3,311,000 | 1,602 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,311,000 | 1,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,939,000 | 585 |
| Cash dividends | $249,000 | 4,700 |
| Sale, conversion, retirement of capital stock, net | $785,000 | 444 |
| Net operating income | $3,311,000 | 1,535 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,187,000 | 1,494 |
| Total interest expense | $8,218,000 | 2,095 |
| Net interest income | $14,969,000 | 1,175 |
| Provision for loan and lease losses | $1,225,000 | 893 |
| Total noninterest income | $3,944,000 | 1,078 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,312,000 | 573 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,632,000 | 1,293 |
| Total noninterest expense | $12,643,000 | 1,105 |
| Salaries and employee benefits | $5,868,000 | 1,207 |
| Premises and equipment expense | $2,293,000 | 868 |
| Additional noninterest expense | $4,482,000 | 1,053 |
| Pre-tax net operating income | $5,045,000 | 1,463 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,920,000 | 1,200 |
| Income before extraordinary items | $3,125,000 | 1,679 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,125,000 | 1,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $657,000 | 1,014 |
| Cash dividends | $212,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $879,000 | 477 |
| Net operating income | $3,125,000 | 1,673 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,954,000 | 1,712 |
| Total interest expense | $5,633,000 | 2,609 |
| Net interest income | $13,321,000 | 1,309 |
| Provision for loan and lease losses | $1,110,000 | 892 |
| Total noninterest income | $5,060,000 | 943 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,254,000 | 585 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,806,000 | 932 |
| Total noninterest expense | $12,676,000 | 1,097 |
| Salaries and employee benefits | $5,808,000 | 1,188 |
| Premises and equipment expense | $2,345,000 | 853 |
| Additional noninterest expense | $4,523,000 | 1,046 |
| Pre-tax net operating income | $4,595,000 | 1,636 |
| Securities gains (losses) | $26,000 | 1,258 |
| Applicable income taxes | $1,702,000 | 1,432 |
| Income before extraordinary items | $2,919,000 | 1,827 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,919,000 | 1,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,035,000 | 694 |
| Cash dividends | $184,000 | 5,368 |
| Sale, conversion, retirement of capital stock, net | $762,000 | 552 |
| Net operating income | $2,902,360 | 1,804 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,701,000 | 1,834 |
| Total interest expense | $5,593,000 | 2,708 |
| Net interest income | $12,108,000 | 1,393 |
| Provision for loan and lease losses | $1,109,000 | 886 |
| Total noninterest income | $4,637,000 | 990 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $2,176,000 | 565 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,461,000 | 1,027 |
| Total noninterest expense | $11,234,000 | 1,167 |
| Salaries and employee benefits | $5,379,000 | 1,222 |
| Premises and equipment expense | $2,200,000 | 886 |
| Additional noninterest expense | $3,655,000 | 1,227 |
| Pre-tax net operating income | $4,402,000 | 1,673 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,825,000 | 1,377 |
| Income before extraordinary items | $2,577,000 | 2,030 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,577,000 | 2,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $945,000 | 791 |
| Cash dividends | $154,000 | 5,743 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 789 |
| Net operating income | $2,577,000 | 1,951 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,653,000 | 2,088 |
| Total interest expense | $5,189,000 | 2,881 |
| Net interest income | $10,464,000 | 1,666 |
| Provision for loan and lease losses | $978,000 | 1,008 |
| Total noninterest income | $3,652,000 | 1,149 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,600,000 | 792 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,052,000 | 1,080 |
| Total noninterest expense | $9,577,000 | 1,372 |
| Salaries and employee benefits | $4,868,000 | 1,353 |
| Premises and equipment expense | $1,498,000 | 1,309 |
| Additional noninterest expense | $3,211,000 | 1,357 |
| Pre-tax net operating income | $3,561,000 | 2,108 |
| Securities gains (losses) | $-13,000 | 10,166 |
| Applicable income taxes | $1,471,000 | 1,740 |
| Income before extraordinary items | $2,077,000 | 2,500 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,077,000 | 2,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $551,000 | 1,253 |
| Cash dividends | $65,000 | 6,979 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 753 |
| Net operating income | $2,085,320 | 2,435 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,818,000 | 2,788 |
| Total interest expense | $3,572,000 | 4,118 |
| Net interest income | $8,246,000 | 2,184 |
| Provision for loan and lease losses | $748,000 | 1,267 |
| Total noninterest income | $2,479,000 | 1,562 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,263,000 | 1,040 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,216,000 | 1,584 |
| Total noninterest expense | $7,589,000 | 1,870 |
| Salaries and employee benefits | $3,600,000 | 1,835 |
| Premises and equipment expense | $1,075,000 | 1,873 |
| Additional noninterest expense | $2,914,000 | 1,784 |
| Pre-tax net operating income | $2,388,000 | 2,902 |
| Securities gains (losses) | $26,000 | 1,793 |
| Applicable income taxes | $1,001,000 | 2,342 |
| Income before extraordinary items | $1,413,000 | 3,382 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,413,000 | 3,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 1,805 |
| Cash dividends | $129,000 | 6,291 |
| Sale, conversion, retirement of capital stock, net | $177,000 | 595 |
| Net operating income | $1,396,360 | 3,374 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,945,000 | 3,295 |
| Total interest expense | $2,879,000 | 4,942 |
| Net interest income | $7,066,000 | 2,539 |
| Provision for loan and lease losses | $886,000 | 1,048 |
| Total noninterest income | $2,155,000 | 1,729 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,188,000 | 1,121 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $967,000 | 1,838 |
| Total noninterest expense | $6,104,000 | 2,226 |
| Salaries and employee benefits | $2,694,000 | 2,482 |
| Premises and equipment expense | $878,000 | 2,282 |
| Additional noninterest expense | $2,532,000 | 1,974 |
| Pre-tax net operating income | $2,231,000 | 3,175 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $919,000 | 2,555 |
| Income before extraordinary items | $1,308,000 | 3,661 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,308,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $840,000 | 992 |
| Cash dividends | $1,000 | 8,707 |
| Sale, conversion, retirement of capital stock, net | $3,746,000 | 138 |
| Net operating income | $1,310,560 | 3,634 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,100,000 | 3,701 |
| Total interest expense | $2,142,000 | 5,296 |
| Net interest income | $5,958,000 | 3,017 |
| Provision for loan and lease losses | $617,000 | 1,308 |
| Total noninterest income | $2,189,000 | 1,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,214,000 | 1,096 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $975,000 | 1,866 |
| Total noninterest expense | $5,982,000 | 2,351 |
| Salaries and employee benefits | $2,398,000 | 2,771 |
| Premises and equipment expense | $932,000 | 2,168 |
| Additional noninterest expense | $2,652,000 | 2,036 |
| Pre-tax net operating income | $1,548,000 | 4,293 |
| Securities gains (losses) | $13,000 | 2,050 |
| Applicable income taxes | $644,000 | 3,316 |
| Income before extraordinary items | $917,000 | 4,835 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $917,000 | 4,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $506,000 | 1,363 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 787 |
| Net operating income | $908,680 | 4,931 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,273,000 | 4,165 |
| Total interest expense | $1,932,000 | 6,004 |
| Net interest income | $5,341,000 | 3,356 |
| Provision for loan and lease losses | $281,000 | 3,148 |
| Total noninterest income | $1,842,000 | 2,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $913,000 | 1,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $929,000 | 2,142 |
| Total noninterest expense | $5,710,000 | 2,505 |
| Salaries and employee benefits | $2,663,000 | 2,489 |
| Premises and equipment expense | $950,000 | 2,164 |
| Additional noninterest expense | $2,097,000 | 2,620 |
| Pre-tax net operating income | $1,192,000 | 5,209 |
| Securities gains (losses) | $22,000 | 4,534 |
| Applicable income taxes | $501,000 | 4,181 |
| Income before extraordinary items | $713,000 | 6,037 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $713,000 | 6,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 4,033 |
| Cash dividends | $31,000 | 8,406 |
| Sale, conversion, retirement of capital stock, net | $118,000 | 855 |
| Net operating income | $698,920 | 5,848 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,905,000 | 4,887 |
| Total interest expense | $2,256,000 | 6,493 |
| Net interest income | $4,649,000 | 3,880 |
| Provision for loan and lease losses | $89,000 | 7,639 |
| Total noninterest income | $1,424,000 | 2,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $749,000 | 1,807 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $675,000 | 2,603 |
| Total noninterest expense | $4,902,000 | 2,916 |
| Salaries and employee benefits | $2,414,000 | 2,689 |
| Premises and equipment expense | $803,000 | 2,586 |
| Additional noninterest expense | $1,685,000 | 3,243 |
| Pre-tax net operating income | $1,082,000 | 5,322 |
| Securities gains (losses) | $72,000 | 3,538 |
| Applicable income taxes | $478,000 | 4,139 |
| Income before extraordinary items | $676,000 | 6,065 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $676,000 | 6,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 12,654 |
| Cash dividends | $57,000 | 7,528 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,059 |
| Net operating income | $629,920 | 6,016 |
* 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.