Home > Desert Community Bank > Income and Expense
Desert Community Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,424,000 | 4,894 |
| Total interest expense | $1,772,000 | 4,776 |
| Net interest income | $3,652,000 | 4,850 |
| Provision for loan and lease losses | $4,414,000 | 1,560 |
| Total noninterest income | $-261,000 | 7,840 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $216,000 | 4,504 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-477,000 | 7,802 |
| Total noninterest expense | $3,232,000 | 4,966 |
| Salaries and employee benefits | $1,495,000 | 5,205 |
| Premises and equipment expense | $302,000 | 5,627 |
| Additional noninterest expense | $1,435,000 | 4,210 |
| Pre-tax net operating income | $-4,255,000 | 7,093 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-1,440,000 | 7,410 |
| Income before extraordinary items | $-2,815,000 | 6,952 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,815,000 | 6,951 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,815,000 | 6,951 |
| Net charge-offs | $2,457,000 | 1,811 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,815,000 | 6,962 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,193,000 | 4,882 |
| Total interest expense | $1,391,000 | 4,794 |
| Net interest income | $2,802,000 | 4,772 |
| Provision for loan and lease losses | $2,930,000 | 1,502 |
| Total noninterest income | $255,000 | 5,480 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $185,000 | 4,261 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $70,000 | 5,852 |
| Total noninterest expense | $2,375,000 | 5,024 |
| Salaries and employee benefits | $1,119,000 | 5,255 |
| Premises and equipment expense | $238,000 | 5,575 |
| Additional noninterest expense | $1,018,000 | 4,325 |
| Pre-tax net operating income | $-2,248,000 | 7,114 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-738,000 | 7,465 |
| Income before extraordinary items | $-1,510,000 | 7,002 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,510,000 | 7,002 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,510,000 | 7,003 |
| Net charge-offs | $1,248,000 | 1,957 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,510,000 | 6,993 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,833,000 | 4,882 |
| Total interest expense | $965,000 | 4,822 |
| Net interest income | $1,868,000 | 4,774 |
| Provision for loan and lease losses | $1,748,000 | 1,531 |
| Total noninterest income | $189,000 | 5,323 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $135,000 | 4,079 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $54,000 | 5,737 |
| Total noninterest expense | $1,614,000 | 5,021 |
| Salaries and employee benefits | $776,000 | 5,193 |
| Premises and equipment expense | $161,000 | 5,593 |
| Additional noninterest expense | $677,000 | 4,353 |
| Pre-tax net operating income | $-1,305,000 | 7,163 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-441,000 | 7,544 |
| Income before extraordinary items | $-864,000 | 7,070 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-864,000 | 7,069 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-864,000 | 7,069 |
| Net charge-offs | $1,084,000 | 1,572 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-864,000 | 7,054 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,386,000 | 4,976 |
| Total interest expense | $507,000 | 4,802 |
| Net interest income | $879,000 | 4,945 |
| Provision for loan and lease losses | $861,000 | 1,291 |
| Total noninterest income | $89,000 | 5,403 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $67,000 | 4,058 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $22,000 | 6,048 |
| Total noninterest expense | $763,000 | 5,122 |
| Salaries and employee benefits | $389,000 | 5,237 |
| Premises and equipment expense | $77,000 | 5,736 |
| Additional noninterest expense | $297,000 | 4,442 |
| Pre-tax net operating income | $-656,000 | 7,457 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-221,000 | 7,736 |
| Income before extraordinary items | $-435,000 | 7,384 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-435,000 | 7,385 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-435,000 | 7,385 |
| Net charge-offs | $860,000 | 1,040 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-435,000 | 7,349 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,739,000 | 4,593 |
| Total interest expense | $2,627,000 | 4,608 |
| Net interest income | $4,112,000 | 4,503 |
| Provision for loan and lease losses | $767,000 | 3,115 |
| Total noninterest income | $501,000 | 4,833 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $325,000 | 3,870 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $176,000 | 5,052 |
| Total noninterest expense | $2,932,000 | 5,196 |
| Salaries and employee benefits | $1,484,000 | 5,368 |
| Premises and equipment expense | $310,000 | 5,709 |
| Additional noninterest expense | $1,138,000 | 4,455 |
| Pre-tax net operating income | $914,000 | 3,918 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $318,000 | 2,324 |
| Income before extraordinary items | $596,000 | 4,189 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $596,000 | 4,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $661,000 | 2,432 |
| Cash dividends | $941,000 | 2,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $596,000 | 4,336 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,224,000 | 4,575 |
| Total interest expense | $2,023,000 | 4,671 |
| Net interest income | $3,201,000 | 4,411 |
| Provision for loan and lease losses | $631,000 | 2,401 |
| Total noninterest income | $397,000 | 4,826 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $248,000 | 3,864 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $149,000 | 4,964 |
| Total noninterest expense | $2,224,000 | 5,139 |
| Salaries and employee benefits | $1,173,000 | 5,242 |
| Premises and equipment expense | $232,000 | 5,740 |
| Additional noninterest expense | $819,000 | 4,497 |
| Pre-tax net operating income | $743,000 | 4,233 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $258,000 | 2,628 |
| Income before extraordinary items | $485,000 | 4,501 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $485,000 | 4,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 2,650 |
| Cash dividends | $210,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $485,000 | 4,653 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,503,000 | 4,629 |
| Total interest expense | $1,379,000 | 4,742 |
| Net interest income | $2,124,000 | 4,416 |
| Provision for loan and lease losses | $632,000 | 1,644 |
| Total noninterest income | $262,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $183,000 | 3,659 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $79,000 | 5,437 |
| Total noninterest expense | $1,482,000 | 5,171 |
| Salaries and employee benefits | $772,000 | 5,334 |
| Premises and equipment expense | $153,000 | 5,787 |
| Additional noninterest expense | $557,000 | 4,404 |
| Pre-tax net operating income | $272,000 | 5,405 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $96,000 | 3,493 |
| Income before extraordinary items | $176,000 | 5,787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $176,000 | 5,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,865 |
| Cash dividends | $210,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $176,000 | 5,722 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,757,000 | 4,712 |
| Total interest expense | $700,000 | 4,877 |
| Net interest income | $1,057,000 | 4,440 |
| Provision for loan and lease losses | $244,000 | 1,621 |
| Total noninterest income | $132,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $104,000 | 3,368 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,994 |
| Total noninterest expense | $737,000 | 5,191 |
| Salaries and employee benefits | $386,000 | 5,348 |
| Premises and equipment expense | $76,000 | 5,856 |
| Additional noninterest expense | $275,000 | 4,390 |
| Pre-tax net operating income | $208,000 | 4,882 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $72,000 | 3,180 |
| Income before extraordinary items | $136,000 | 5,374 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $136,000 | 5,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,023 |
| Cash dividends | $210,000 | 2,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $136,000 | 5,276 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,743,000 | 4,454 |
| Total interest expense | $2,929,000 | 4,869 |
| Net interest income | $4,814,000 | 4,107 |
| Provision for loan and lease losses | $108,000 | 4,801 |
| Total noninterest income | $473,000 | 5,133 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $356,000 | 3,744 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $117,000 | 5,981 |
| Total noninterest expense | $3,203,000 | 4,808 |
| Salaries and employee benefits | $1,818,000 | 4,718 |
| Premises and equipment expense | $308,000 | 5,716 |
| Additional noninterest expense | $1,077,000 | 4,402 |
| Pre-tax net operating income | $1,976,000 | 3,337 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $680,000 | 2,336 |
| Income before extraordinary items | $1,296,000 | 3,769 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,296,000 | 3,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,750 |
| Cash dividends | $400,000 | 4,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,296,000 | 3,760 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,746,000 | 4,511 |
| Total interest expense | $2,237,000 | 4,827 |
| Net interest income | $3,509,000 | 4,205 |
| Provision for loan and lease losses | $64,000 | 4,783 |
| Total noninterest income | $330,000 | 5,338 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $253,000 | 3,855 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $77,000 | 6,222 |
| Total noninterest expense | $2,417,000 | 4,763 |
| Salaries and employee benefits | $1,378,000 | 4,638 |
| Premises and equipment expense | $231,000 | 5,708 |
| Additional noninterest expense | $808,000 | 4,334 |
| Pre-tax net operating income | $1,358,000 | 3,675 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $467,000 | 2,614 |
| Income before extraordinary items | $891,000 | 4,134 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $891,000 | 4,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,266 |
| Cash dividends | $300,000 | 3,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $891,000 | 4,120 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,783,000 | 4,557 |
| Total interest expense | $1,504,000 | 4,798 |
| Net interest income | $2,279,000 | 4,311 |
| Provision for loan and lease losses | $-31,000 | 8,409 |
| Total noninterest income | $186,000 | 5,722 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $145,000 | 4,154 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $41,000 | 6,570 |
| Total noninterest expense | $1,605,000 | 4,803 |
| Salaries and employee benefits | $908,000 | 4,723 |
| Premises and equipment expense | $154,000 | 5,739 |
| Additional noninterest expense | $543,000 | 4,317 |
| Pre-tax net operating income | $891,000 | 3,779 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $307,000 | 2,708 |
| Income before extraordinary items | $584,000 | 4,214 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $584,000 | 4,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $200,000 | 3,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $584,000 | 4,201 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,861,000 | 4,603 |
| Total interest expense | $738,000 | 4,827 |
| Net interest income | $1,123,000 | 4,350 |
| Provision for loan and lease losses | $19,000 | 4,447 |
| Total noninterest income | $80,000 | 5,979 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $63,000 | 4,424 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $17,000 | 6,843 |
| Total noninterest expense | $799,000 | 4,812 |
| Salaries and employee benefits | $460,000 | 4,710 |
| Premises and equipment expense | $76,000 | 5,812 |
| Additional noninterest expense | $263,000 | 4,369 |
| Pre-tax net operating income | $385,000 | 4,095 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $133,000 | 2,900 |
| Income before extraordinary items | $252,000 | 4,534 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $252,000 | 4,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $252,000 | 4,522 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,139,000 | 4,510 |
| Total interest expense | $2,382,000 | 4,949 |
| Net interest income | $4,757,000 | 4,163 |
| Provision for loan and lease losses | $-15,000 | 8,328 |
| Total noninterest income | $326,000 | 6,015 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $205,000 | 4,930 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $121,000 | 5,995 |
| Total noninterest expense | $3,104,000 | 4,769 |
| Salaries and employee benefits | $1,652,000 | 4,889 |
| Premises and equipment expense | $307,000 | 5,689 |
| Additional noninterest expense | $1,145,000 | 4,089 |
| Pre-tax net operating income | $1,994,000 | 3,652 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $692,000 | 2,686 |
| Income before extraordinary items | $1,302,000 | 4,097 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,302,000 | 4,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,051 |
| Cash dividends | $400,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,302,000 | 4,068 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,129,000 | 4,618 |
| Total interest expense | $1,653,000 | 5,077 |
| Net interest income | $3,476,000 | 4,269 |
| Provision for loan and lease losses | $-24,000 | 8,489 |
| Total noninterest income | $246,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $155,000 | 4,969 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 6,017 |
| Total noninterest expense | $2,297,000 | 4,807 |
| Salaries and employee benefits | $1,228,000 | 4,889 |
| Premises and equipment expense | $227,000 | 5,753 |
| Additional noninterest expense | $842,000 | 4,119 |
| Pre-tax net operating income | $1,449,000 | 3,865 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $503,000 | 2,865 |
| Income before extraordinary items | $946,000 | 4,300 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $946,000 | 4,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,955 |
| Cash dividends | $300,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $946,000 | 4,285 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,205,000 | 4,760 |
| Total interest expense | $968,000 | 5,315 |
| Net interest income | $2,237,000 | 4,392 |
| Provision for loan and lease losses | $-43,000 | 8,574 |
| Total noninterest income | $177,000 | 5,893 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $97,000 | 5,082 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $80,000 | 5,568 |
| Total noninterest expense | $1,523,000 | 4,830 |
| Salaries and employee benefits | $812,000 | 4,946 |
| Premises and equipment expense | $147,000 | 5,830 |
| Additional noninterest expense | $564,000 | 4,103 |
| Pre-tax net operating income | $934,000 | 3,958 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $324,000 | 2,936 |
| Income before extraordinary items | $610,000 | 4,401 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $610,000 | 4,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,940 |
| Cash dividends | $200,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $610,000 | 4,395 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,520,000 | 4,863 |
| Total interest expense | $450,000 | 5,392 |
| Net interest income | $1,070,000 | 4,504 |
| Provision for loan and lease losses | $-43,000 | 8,616 |
| Total noninterest income | $88,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $48,000 | 5,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $40,000 | 5,532 |
| Total noninterest expense | $746,000 | 4,917 |
| Salaries and employee benefits | $404,000 | 4,976 |
| Premises and equipment expense | $73,000 | 5,861 |
| Additional noninterest expense | $269,000 | 4,239 |
| Pre-tax net operating income | $455,000 | 3,973 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $158,000 | 2,959 |
| Income before extraordinary items | $297,000 | 4,447 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $297,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,977 |
| Cash dividends | $100,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $297,000 | 4,433 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,512,000 | 4,836 |
| Total interest expense | $1,400,000 | 5,411 |
| Net interest income | $4,112,000 | 4,540 |
| Provision for loan and lease losses | $105,000 | 4,737 |
| Total noninterest income | $237,000 | 6,778 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $144,000 | 5,683 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $93,000 | 6,517 |
| Total noninterest expense | $2,630,000 | 5,203 |
| Salaries and employee benefits | $1,317,000 | 5,482 |
| Premises and equipment expense | $285,000 | 5,874 |
| Additional noninterest expense | $1,028,000 | 4,331 |
| Pre-tax net operating income | $1,614,000 | 4,211 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $553,000 | 3,196 |
| Income before extraordinary items | $1,061,000 | 4,670 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,061,000 | 4,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,815 |
| Cash dividends | $1,225,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,061,000 | 4,634 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,022,000 | 4,904 |
| Total interest expense | $966,000 | 5,530 |
| Net interest income | $3,056,000 | 4,581 |
| Provision for loan and lease losses | $106,000 | 4,082 |
| Total noninterest income | $157,000 | 7,017 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $99,000 | 5,878 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $1,948,000 | 5,226 |
| Salaries and employee benefits | $968,000 | 5,521 |
| Premises and equipment expense | $212,000 | 5,899 |
| Additional noninterest expense | $768,000 | 4,310 |
| Pre-tax net operating income | $1,159,000 | 4,393 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $397,000 | 3,335 |
| Income before extraordinary items | $762,000 | 4,885 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $762,000 | 4,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,463 |
| Cash dividends | $1,150,000 | 1,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $762,000 | 4,845 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,611,000 | 4,918 |
| Total interest expense | $586,000 | 5,620 |
| Net interest income | $2,025,000 | 4,577 |
| Provision for loan and lease losses | $96,000 | 3,425 |
| Total noninterest income | $95,000 | 7,146 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $59,000 | 6,042 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $36,000 | 6,940 |
| Total noninterest expense | $1,255,000 | 5,322 |
| Salaries and employee benefits | $646,000 | 5,504 |
| Premises and equipment expense | $140,000 | 5,912 |
| Additional noninterest expense | $469,000 | 4,597 |
| Pre-tax net operating income | $769,000 | 4,371 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $264,000 | 3,324 |
| Income before extraordinary items | $505,000 | 4,866 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $505,000 | 4,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $1,075,000 | 1,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $505,000 | 4,816 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 5,092 |
| Total interest expense | $253,000 | 5,933 |
| Net interest income | $983,000 | 4,673 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $53,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,409 |
| Total noninterest expense | $648,000 | 5,260 |
| Salaries and employee benefits | $334,000 | 5,442 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $243,000 | 4,445 |
| Pre-tax net operating income | $328,000 | 4,770 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $113,000 | 3,574 |
| Income before extraordinary items | $215,000 | 5,231 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $215,000 | 5,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $1,000,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $215,000 | 5,199 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,966,000 | 5,581 |
| Total interest expense | $740,000 | 6,448 |
| Net interest income | $3,226,000 | 5,182 |
| Provision for loan and lease losses | $132,000 | 4,466 |
| Total noninterest income | $253,000 | 6,749 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $63,000 | 7,070 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $190,000 | 5,212 |
| Total noninterest expense | $2,379,000 | 5,465 |
| Salaries and employee benefits | $1,157,000 | 5,806 |
| Premises and equipment expense | $285,000 | 5,821 |
| Additional noninterest expense | $937,000 | 4,578 |
| Pre-tax net operating income | $968,000 | 5,320 |
| Securities gains (losses) | $-2,000 | 7,892 |
| Applicable income taxes | $332,000 | 4,020 |
| Income before extraordinary items | $634,000 | 5,834 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $634,000 | 5,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,046 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $635,320 | 5,753 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 5,629 |
| Total interest expense | $514,000 | 6,639 |
| Net interest income | $2,406,000 | 5,189 |
| Provision for loan and lease losses | $96,000 | 4,350 |
| Total noninterest income | $126,000 | 7,492 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $41,000 | 7,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $85,000 | 6,209 |
| Total noninterest expense | $1,782,000 | 5,439 |
| Salaries and employee benefits | $851,000 | 5,824 |
| Premises and equipment expense | $215,000 | 5,770 |
| Additional noninterest expense | $716,000 | 4,445 |
| Pre-tax net operating income | $654,000 | 5,678 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $225,000 | 4,268 |
| Income before extraordinary items | $427,000 | 6,164 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $427,000 | 6,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,796 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $428,300 | 6,090 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 5,759 |
| Total interest expense | $361,000 | 6,534 |
| Net interest income | $1,517,000 | 5,363 |
| Provision for loan and lease losses | $5,000 | 6,663 |
| Total noninterest income | $54,000 | 8,092 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $25,000 | 7,362 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $29,000 | 7,273 |
| Total noninterest expense | $1,165,000 | 5,530 |
| Salaries and employee benefits | $540,000 | 6,023 |
| Premises and equipment expense | $145,000 | 5,764 |
| Additional noninterest expense | $480,000 | 4,448 |
| Pre-tax net operating income | $401,000 | 5,850 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $138,000 | 4,383 |
| Income before extraordinary items | $263,000 | 6,331 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $263,000 | 6,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,843 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $263,000 | 6,243 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $920,000 | 5,862 |
| Total interest expense | $202,000 | 6,330 |
| Net interest income | $718,000 | 5,540 |
| Provision for loan and lease losses | $-54,000 | 9,007 |
| Total noninterest income | $22,000 | 8,321 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $555,000 | 5,690 |
| Salaries and employee benefits | $249,000 | 6,354 |
| Premises and equipment expense | $77,000 | 5,626 |
| Additional noninterest expense | $229,000 | 4,609 |
| Pre-tax net operating income | $239,000 | 5,390 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $82,000 | 4,103 |
| Income before extraordinary items | $157,000 | 5,901 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $157,000 | 5,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,595 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $157,000 | 5,780 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,531,000 | 6,019 |
| Total interest expense | $950,000 | 6,261 |
| Net interest income | $2,581,000 | 5,802 |
| Provision for loan and lease losses | $31,000 | 6,757 |
| Total noninterest income | $228,000 | 7,112 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $67,000 | 7,147 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $161,000 | 5,703 |
| Total noninterest expense | $2,184,000 | 5,704 |
| Salaries and employee benefits | $1,063,000 | 6,046 |
| Premises and equipment expense | $271,000 | 5,953 |
| Additional noninterest expense | $850,000 | 4,846 |
| Pre-tax net operating income | $594,000 | 6,362 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $206,000 | 4,884 |
| Income before extraordinary items | $389,000 | 6,867 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $389,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,417 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $982,000 | 433 |
| Net operating income | $388,350 | 6,715 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,681,000 | 6,053 |
| Total interest expense | $733,000 | 6,337 |
| Net interest income | $1,948,000 | 5,793 |
| Provision for loan and lease losses | $31,000 | 6,364 |
| Total noninterest income | $199,000 | 6,879 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $53,000 | 7,136 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $146,000 | 5,393 |
| Total noninterest expense | $1,621,000 | 5,712 |
| Salaries and employee benefits | $792,000 | 6,031 |
| Premises and equipment expense | $201,000 | 5,994 |
| Additional noninterest expense | $628,000 | 4,855 |
| Pre-tax net operating income | $495,000 | 6,307 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $171,000 | 4,908 |
| Income before extraordinary items | $325,000 | 6,800 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $325,000 | 6,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,833 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $730,000 | 341 |
| Net operating income | $324,340 | 6,636 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,764,000 | 6,127 |
| Total interest expense | $512,000 | 6,321 |
| Net interest income | $1,252,000 | 5,929 |
| Provision for loan and lease losses | $31,000 | 5,724 |
| Total noninterest income | $163,000 | 6,445 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $38,000 | 7,025 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $125,000 | 4,923 |
| Total noninterest expense | $1,058,000 | 5,797 |
| Salaries and employee benefits | $513,000 | 6,162 |
| Premises and equipment expense | $130,000 | 6,058 |
| Additional noninterest expense | $415,000 | 4,872 |
| Pre-tax net operating income | $326,000 | 6,322 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $113,000 | 4,954 |
| Income before extraordinary items | $214,000 | 6,847 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $214,000 | 6,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,910 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 290 |
| Net operating income | $213,350 | 6,659 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $905,000 | 6,081 |
| Total interest expense | $259,000 | 6,386 |
| Net interest income | $646,000 | 5,807 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $58,000 | 7,077 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $39,000 | 5,739 |
| Total noninterest expense | $520,000 | 5,872 |
| Salaries and employee benefits | $244,000 | 6,341 |
| Premises and equipment expense | $65,000 | 6,056 |
| Additional noninterest expense | $211,000 | 4,775 |
| Pre-tax net operating income | $183,000 | 6,046 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $63,000 | 4,744 |
| Income before extraordinary items | $121,000 | 6,534 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $121,000 | 6,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $120,340 | 6,378 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,049,000 | 5,869 |
| Total interest expense | $1,510,000 | 5,698 |
| Net interest income | $2,539,000 | 5,852 |
| Provision for loan and lease losses | $351,000 | 3,121 |
| Total noninterest income | $137,000 | 7,983 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $80,000 | 6,939 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $57,000 | 7,426 |
| Total noninterest expense | $2,002,000 | 5,865 |
| Salaries and employee benefits | $925,000 | 6,425 |
| Premises and equipment expense | $267,000 | 5,926 |
| Additional noninterest expense | $810,000 | 4,881 |
| Pre-tax net operating income | $323,000 | 7,460 |
| Securities gains (losses) | $-2,000 | 8,714 |
| Applicable income taxes | $112,000 | 5,851 |
| Income before extraordinary items | $209,000 | 7,793 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $209,000 | 7,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $482,000 | 1,705 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $210,300 | 7,695 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,261,000 | 6,139 |
| Total interest expense | $1,854,000 | 6,342 |
| Net interest income | $2,407,000 | 5,846 |
| Provision for loan and lease losses | $463,000 | 2,348 |
| Total noninterest income | $81,000 | 8,766 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $69,000 | 7,188 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $12,000 | 9,046 |
| Total noninterest expense | $1,961,000 | 5,810 |
| Salaries and employee benefits | $970,000 | 6,091 |
| Premises and equipment expense | $263,000 | 5,926 |
| Additional noninterest expense | $728,000 | 5,133 |
| Pre-tax net operating income | $64,000 | 8,484 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $29,000 | 7,102 |
| Income before extraordinary items | $35,000 | 8,672 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $35,000 | 8,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,086 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $35,000 | 8,581 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,864,000 | 7,550 |
| Total interest expense | $1,295,000 | 7,593 |
| Net interest income | $1,569,000 | 7,347 |
| Provision for loan and lease losses | $337,000 | 2,643 |
| Total noninterest income | $41,000 | 9,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 8,200 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,087 |
| Total noninterest expense | $1,545,000 | 6,620 |
| Salaries and employee benefits | $756,000 | 6,939 |
| Premises and equipment expense | $224,000 | 6,399 |
| Additional noninterest expense | $565,000 | 5,987 |
| Pre-tax net operating income | $-272,000 | 9,395 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-272,000 | 9,427 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-272,000 | 9,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,757 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-272,000 | 9,426 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $535,000 | 9,952 |
| Total interest expense | $182,000 | 9,957 |
| Net interest income | $353,000 | 9,892 |
| Provision for loan and lease losses | $154,000 | 4,195 |
| Total noninterest income | $11,000 | 10,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 8,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,823 |
| Total noninterest expense | $754,000 | 8,870 |
| Salaries and employee benefits | $283,000 | 9,558 |
| Premises and equipment expense | $70,000 | 9,216 |
| Additional noninterest expense | $401,000 | 7,262 |
| Pre-tax net operating income | $-544,000 | 9,880 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-544,000 | 9,929 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-544,000 | 9,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 244 |
| Net operating income | $-544,000 | 9,909 |
* 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.