Home > Discovery Bank > Income and Expense
Discovery Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,754,000 | 4,079 |
| Total interest expense | $1,374,000 | 3,891 |
| Net interest income | $2,380,000 | 4,061 |
| Provision for loan and lease losses | $1,094,000 | 1,966 |
| Total noninterest income | $355,000 | 4,089 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $170,000 | 3,632 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $185,000 | 3,762 |
| Total noninterest expense | $3,865,000 | 2,587 |
| Salaries and employee benefits | $2,123,000 | 2,384 |
| Premises and equipment expense | $364,000 | 3,427 |
| Additional noninterest expense | $1,378,000 | 2,522 |
| Pre-tax net operating income | $-2,224,000 | 7,437 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-2,224,000 | 7,521 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,224,000 | 7,520 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,224,000 | 7,520 |
| Net charge-offs | $608,000 | 2,120 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 577 |
| Net operating income | $-2,224,000 | 7,529 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,877,000 | 4,129 |
| Total interest expense | $776,000 | 3,693 |
| Net interest income | $1,101,000 | 4,271 |
| Provision for loan and lease losses | $590,000 | 1,636 |
| Total noninterest income | $164,000 | 4,213 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $88,000 | 3,501 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $76,000 | 4,106 |
| Total noninterest expense | $1,802,000 | 2,674 |
| Salaries and employee benefits | $1,133,000 | 2,244 |
| Premises and equipment expense | $177,000 | 3,542 |
| Additional noninterest expense | $492,000 | 3,050 |
| Pre-tax net operating income | $-1,127,000 | 7,664 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,127,000 | 7,735 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,127,000 | 7,738 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,127,000 | 7,737 |
| Net charge-offs | $500,000 | 1,363 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 475 |
| Net operating income | $-1,127,000 | 7,735 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,805,000 | 3,594 |
| Total interest expense | $3,585,000 | 3,784 |
| Net interest income | $6,220,000 | 3,374 |
| Provision for loan and lease losses | $5,595,000 | 940 |
| Total noninterest income | $715,000 | 4,090 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $176,000 | 5,024 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $539,000 | 3,057 |
| Total noninterest expense | $7,564,000 | 2,498 |
| Salaries and employee benefits | $4,516,000 | 2,251 |
| Premises and equipment expense | $751,000 | 3,341 |
| Additional noninterest expense | $2,297,000 | 2,512 |
| Pre-tax net operating income | $-6,224,000 | 7,870 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-2,393,000 | 7,966 |
| Income before extraordinary items | $-3,831,000 | 7,714 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,831,000 | 7,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,341,000 | 654 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $257,000 | 708 |
| Net operating income | $-3,831,000 | 7,784 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,695,000 | 3,515 |
| Total interest expense | $2,745,000 | 3,839 |
| Net interest income | $4,950,000 | 3,245 |
| Provision for loan and lease losses | $2,731,000 | 960 |
| Total noninterest income | $635,000 | 3,850 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $155,000 | 4,761 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $480,000 | 2,884 |
| Total noninterest expense | $5,622,000 | 2,516 |
| Salaries and employee benefits | $3,382,000 | 2,275 |
| Premises and equipment expense | $543,000 | 3,450 |
| Additional noninterest expense | $1,697,000 | 2,496 |
| Pre-tax net operating income | $-2,768,000 | 7,988 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-994,000 | 8,042 |
| Income before extraordinary items | $-1,774,000 | 7,809 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,774,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,331,000 | 752 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $169,000 | 627 |
| Net operating income | $-1,774,000 | 7,888 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,286,000 | 3,498 |
| Total interest expense | $1,896,000 | 3,874 |
| Net interest income | $3,390,000 | 3,150 |
| Provision for loan and lease losses | $2,031,000 | 782 |
| Total noninterest income | $481,000 | 3,590 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $120,000 | 4,469 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $361,000 | 2,730 |
| Total noninterest expense | $3,863,000 | 2,454 |
| Salaries and employee benefits | $2,353,000 | 2,207 |
| Premises and equipment expense | $370,000 | 3,423 |
| Additional noninterest expense | $1,140,000 | 2,450 |
| Pre-tax net operating income | $-2,023,000 | 8,163 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-701,000 | 8,219 |
| Income before extraordinary items | $-1,322,000 | 8,106 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,322,000 | 8,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $789,000 | 986 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 569 |
| Net operating income | $-1,322,000 | 8,096 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,747,000 | 3,472 |
| Total interest expense | $1,068,000 | 3,748 |
| Net interest income | $1,679,000 | 3,182 |
| Provision for loan and lease losses | $6,000 | 5,669 |
| Total noninterest income | $250,000 | 3,514 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $70,000 | 4,151 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $180,000 | 2,725 |
| Total noninterest expense | $1,891,000 | 2,499 |
| Salaries and employee benefits | $1,205,000 | 2,180 |
| Premises and equipment expense | $177,000 | 3,535 |
| Additional noninterest expense | $509,000 | 2,684 |
| Pre-tax net operating income | $32,000 | 6,827 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $27,000 | 4,129 |
| Income before extraordinary items | $5,000 | 7,214 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $5,000 | 7,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 1,260 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 485 |
| Net operating income | $5,000 | 7,123 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,578,000 | 2,933 |
| Total interest expense | $6,012,000 | 2,999 |
| Net interest income | $7,566,000 | 2,890 |
| Provision for loan and lease losses | $1,372,000 | 1,135 |
| Total noninterest income | $788,000 | 4,033 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $201,000 | 4,902 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $587,000 | 3,039 |
| Total noninterest expense | $7,341,000 | 2,472 |
| Salaries and employee benefits | $4,382,000 | 2,297 |
| Premises and equipment expense | $833,000 | 2,985 |
| Additional noninterest expense | $2,126,000 | 2,521 |
| Pre-tax net operating income | $-359,000 | 7,735 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-154,000 | 8,085 |
| Income before extraordinary items | $-205,000 | 7,719 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-205,000 | 7,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $943,000 | 1,071 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $162,000 | 814 |
| Net operating income | $-205,000 | 7,700 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,357,000 | 2,897 |
| Total interest expense | $4,520,000 | 2,988 |
| Net interest income | $5,837,000 | 2,808 |
| Provision for loan and lease losses | $44,000 | 5,259 |
| Total noninterest income | $596,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $151,000 | 4,911 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $445,000 | 3,029 |
| Total noninterest expense | $5,387,000 | 2,513 |
| Salaries and employee benefits | $3,265,000 | 2,299 |
| Premises and equipment expense | $559,000 | 3,252 |
| Additional noninterest expense | $1,563,000 | 2,521 |
| Pre-tax net operating income | $1,002,000 | 4,353 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $454,000 | 2,662 |
| Income before extraordinary items | $548,000 | 5,212 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $548,000 | 5,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $970,000 | 672 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $122,000 | 722 |
| Net operating income | $548,000 | 5,190 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,911,000 | 2,913 |
| Total interest expense | $3,008,000 | 3,004 |
| Net interest income | $3,903,000 | 2,817 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $471,000 | 3,681 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $96,000 | 5,023 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $375,000 | 2,662 |
| Total noninterest expense | $3,651,000 | 2,503 |
| Salaries and employee benefits | $2,174,000 | 2,342 |
| Premises and equipment expense | $417,000 | 2,996 |
| Additional noninterest expense | $1,060,000 | 2,500 |
| Pre-tax net operating income | $723,000 | 4,241 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $325,000 | 2,632 |
| Income before extraordinary items | $398,000 | 5,092 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $398,000 | 5,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $836,000 | 503 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $464,000 | 310 |
| Net operating income | $398,000 | 5,082 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,424,000 | 2,923 |
| Total interest expense | $1,465,000 | 3,050 |
| Net interest income | $1,959,000 | 2,814 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $381,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $50,000 | 4,884 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $331,000 | 1,828 |
| Total noninterest expense | $1,898,000 | 2,408 |
| Salaries and employee benefits | $1,134,000 | 2,269 |
| Premises and equipment expense | $211,000 | 2,983 |
| Additional noninterest expense | $553,000 | 2,383 |
| Pre-tax net operating income | $442,000 | 3,789 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $195,000 | 2,431 |
| Income before extraordinary items | $247,000 | 4,589 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $247,000 | 4,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $916,000 | 254 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $424,000 | 183 |
| Net operating income | $247,000 | 4,575 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,894,000 | 2,909 |
| Total interest expense | $5,056,000 | 3,003 |
| Net interest income | $7,838,000 | 2,804 |
| Provision for loan and lease losses | $1,272,000 | 824 |
| Total noninterest income | $773,000 | 4,147 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $139,000 | 5,653 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $634,000 | 2,916 |
| Total noninterest expense | $5,681,000 | 3,010 |
| Salaries and employee benefits | $3,454,000 | 2,762 |
| Premises and equipment expense | $663,000 | 3,482 |
| Additional noninterest expense | $1,564,000 | 3,186 |
| Pre-tax net operating income | $1,658,000 | 4,062 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $727,000 | 2,617 |
| Income before extraordinary items | $931,000 | 4,861 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $931,000 | 4,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,821 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 815 |
| Net operating income | $931,000 | 4,854 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,373,000 | 2,963 |
| Total interest expense | $3,642,000 | 3,018 |
| Net interest income | $5,731,000 | 2,897 |
| Provision for loan and lease losses | $313,000 | 2,089 |
| Total noninterest income | $573,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $99,000 | 5,813 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $474,000 | 2,936 |
| Total noninterest expense | $4,042,000 | 3,143 |
| Salaries and employee benefits | $2,514,000 | 2,835 |
| Premises and equipment expense | $494,000 | 3,503 |
| Additional noninterest expense | $1,034,000 | 3,522 |
| Pre-tax net operating income | $1,949,000 | 3,176 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $838,000 | 2,134 |
| Income before extraordinary items | $1,111,000 | 3,907 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,111,000 | 3,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,946 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 690 |
| Net operating income | $1,111,000 | 3,897 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,990,000 | 3,033 |
| Total interest expense | $2,259,000 | 3,079 |
| Net interest income | $3,731,000 | 2,971 |
| Provision for loan and lease losses | $200,000 | 2,096 |
| Total noninterest income | $367,000 | 4,241 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $64,000 | 5,863 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $303,000 | 2,998 |
| Total noninterest expense | $2,551,000 | 3,296 |
| Salaries and employee benefits | $1,635,000 | 2,900 |
| Premises and equipment expense | $178,000 | 5,284 |
| Additional noninterest expense | $738,000 | 3,334 |
| Pre-tax net operating income | $1,347,000 | 3,101 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $579,000 | 2,102 |
| Income before extraordinary items | $768,000 | 3,836 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $768,000 | 3,840 |
| 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 | $72,000 | 588 |
| Net operating income | $768,000 | 3,829 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,790,000 | 3,166 |
| Total interest expense | $1,004,000 | 3,246 |
| Net interest income | $1,786,000 | 3,082 |
| Provision for loan and lease losses | $84,000 | 2,291 |
| Total noninterest income | $216,000 | 3,811 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $29,000 | 5,974 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $187,000 | 2,601 |
| Total noninterest expense | $1,254,000 | 3,356 |
| Salaries and employee benefits | $803,000 | 2,961 |
| Premises and equipment expense | $67,000 | 6,079 |
| Additional noninterest expense | $384,000 | 3,233 |
| Pre-tax net operating income | $664,000 | 3,090 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $292,000 | 2,062 |
| Income before extraordinary items | $372,000 | 3,868 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $372,000 | 3,867 |
| 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 | $372,000 | 3,848 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,607,000 | 3,533 |
| Total interest expense | $2,789,000 | 3,532 |
| Net interest income | $5,818,000 | 3,516 |
| Provision for loan and lease losses | $532,000 | 1,803 |
| Total noninterest income | $615,000 | 4,726 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $106,000 | 6,202 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $509,000 | 3,338 |
| Total noninterest expense | $4,438,000 | 3,576 |
| Salaries and employee benefits | $2,606,000 | 3,363 |
| Premises and equipment expense | $369,000 | 5,111 |
| Additional noninterest expense | $1,463,000 | 3,294 |
| Pre-tax net operating income | $1,463,000 | 4,449 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $616,000 | 3,031 |
| Income before extraordinary items | $847,000 | 5,219 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $847,000 | 5,221 |
| 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 | $2,514,000 | 373 |
| Net operating income | $847,000 | 5,187 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,057,000 | 3,679 |
| Total interest expense | $1,975,000 | 3,548 |
| Net interest income | $4,082,000 | 3,698 |
| Provision for loan and lease losses | $399,000 | 1,734 |
| Total noninterest income | $390,000 | 5,175 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 6,430 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $320,000 | 3,688 |
| Total noninterest expense | $3,075,000 | 3,762 |
| Salaries and employee benefits | $1,805,000 | 3,561 |
| Premises and equipment expense | $271,000 | 5,168 |
| Additional noninterest expense | $999,000 | 3,500 |
| Pre-tax net operating income | $998,000 | 4,776 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $326,000 | 3,656 |
| Income before extraordinary items | $672,000 | 5,185 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $672,000 | 5,188 |
| 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 | $4,000 | 754 |
| Net operating income | $672,000 | 5,143 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,692,000 | 3,876 |
| Total interest expense | $1,187,000 | 3,644 |
| Net interest income | $2,505,000 | 3,921 |
| Provision for loan and lease losses | $282,000 | 1,624 |
| Total noninterest income | $264,000 | 5,094 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $40,000 | 6,599 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $224,000 | 3,569 |
| Total noninterest expense | $1,900,000 | 3,969 |
| Salaries and employee benefits | $1,123,000 | 3,750 |
| Premises and equipment expense | $149,000 | 5,729 |
| Additional noninterest expense | $628,000 | 3,662 |
| Pre-tax net operating income | $587,000 | 5,061 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $186,000 | 3,908 |
| Income before extraordinary items | $401,000 | 5,430 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $401,000 | 5,432 |
| 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 | $4,000 | 627 |
| Net operating income | $401,000 | 5,400 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,648,000 | 4,188 |
| Total interest expense | $507,000 | 3,989 |
| Net interest income | $1,141,000 | 4,219 |
| Provision for loan and lease losses | $159,000 | 1,342 |
| Total noninterest income | $54,000 | 6,948 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $893,000 | 4,193 |
| Salaries and employee benefits | $511,000 | 4,025 |
| Premises and equipment expense | $82,000 | 5,496 |
| Additional noninterest expense | $300,000 | 3,802 |
| Pre-tax net operating income | $143,000 | 6,657 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $51,000 | 4,729 |
| Income before extraordinary items | $92,000 | 7,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $92,000 | 7,030 |
| 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 | $92,000 | 6,998 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,004,000 | 4,849 |
| Total interest expense | $1,180,000 | 5,163 |
| Net interest income | $3,824,000 | 4,637 |
| Provision for loan and lease losses | $238,000 | 3,398 |
| Total noninterest income | $160,000 | 7,515 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $52,000 | 7,265 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $108,000 | 6,291 |
| Total noninterest expense | $3,147,000 | 4,509 |
| Salaries and employee benefits | $1,837,000 | 4,268 |
| Premises and equipment expense | $304,000 | 5,650 |
| Additional noninterest expense | $1,006,000 | 4,322 |
| Pre-tax net operating income | $599,000 | 6,389 |
| Securities gains (losses) | $-9,000 | 8,207 |
| Applicable income taxes | $-85,000 | 8,718 |
| Income before extraordinary items | $675,000 | 5,682 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $675,000 | 5,684 |
| 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 | $684,000 | 5,587 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,549,000 | 5,011 |
| Total interest expense | $812,000 | 5,410 |
| Net interest income | $2,737,000 | 4,757 |
| Provision for loan and lease losses | $209,000 | 2,924 |
| Total noninterest income | $106,000 | 7,719 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $34,000 | 7,408 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $72,000 | 6,503 |
| Total noninterest expense | $2,356,000 | 4,489 |
| Salaries and employee benefits | $1,378,000 | 4,247 |
| Premises and equipment expense | $253,000 | 5,299 |
| Additional noninterest expense | $725,000 | 4,404 |
| Pre-tax net operating income | $278,000 | 7,332 |
| Securities gains (losses) | $-9,000 | 8,488 |
| Applicable income taxes | $-211,000 | 8,914 |
| Income before extraordinary items | $480,000 | 5,907 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $480,000 | 5,907 |
| 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 | $489,000 | 5,786 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,221,000 | 5,206 |
| Total interest expense | $485,000 | 5,730 |
| Net interest income | $1,736,000 | 4,916 |
| Provision for loan and lease losses | $151,000 | 2,683 |
| Total noninterest income | $69,000 | 7,791 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $21,000 | 7,495 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 6,492 |
| Total noninterest expense | $1,535,000 | 4,590 |
| Salaries and employee benefits | $884,000 | 4,391 |
| Premises and equipment expense | $194,000 | 4,859 |
| Additional noninterest expense | $457,000 | 4,630 |
| Pre-tax net operating income | $119,000 | 7,769 |
| Securities gains (losses) | $-9,000 | 8,681 |
| Applicable income taxes | $20,000 | 6,279 |
| Income before extraordinary items | $90,000 | 7,885 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $90,000 | 7,886 |
| 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 | $97,380 | 7,738 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,050,000 | 5,413 |
| Total interest expense | $237,000 | 5,848 |
| Net interest income | $813,000 | 5,148 |
| Provision for loan and lease losses | $33,000 | 3,984 |
| Total noninterest income | $30,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $11,000 | 7,439 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $732,000 | 4,767 |
| Salaries and employee benefits | $416,000 | 4,601 |
| Premises and equipment expense | $95,000 | 4,969 |
| Additional noninterest expense | $221,000 | 4,708 |
| Pre-tax net operating income | $78,000 | 7,488 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $14,000 | 6,056 |
| Income before extraordinary items | $64,000 | 7,496 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $64,000 | 7,498 |
| 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 | $64,000 | 7,424 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,292,000 | 6,214 |
| Total interest expense | $866,000 | 6,509 |
| Net interest income | $2,426,000 | 6,007 |
| Provision for loan and lease losses | $289,000 | 3,274 |
| Total noninterest income | $457,000 | 5,657 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $43,000 | 7,535 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $414,000 | 3,916 |
| Total noninterest expense | $2,303,000 | 5,518 |
| Salaries and employee benefits | $1,311,000 | 5,327 |
| Premises and equipment expense | $287,000 | 5,793 |
| Additional noninterest expense | $705,000 | 5,481 |
| Pre-tax net operating income | $291,000 | 7,468 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-149,000 | 8,985 |
| Income before extraordinary items | $440,000 | 6,616 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $440,000 | 6,620 |
| 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 | $3,085,000 | 269 |
| Net operating income | $440,000 | 6,450 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,309,000 | 6,508 |
| Total interest expense | $650,000 | 6,658 |
| Net interest income | $1,659,000 | 6,339 |
| Provision for loan and lease losses | $149,000 | 3,948 |
| Total noninterest income | $427,000 | 5,142 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $30,000 | 7,641 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $397,000 | 3,544 |
| Total noninterest expense | $1,702,000 | 5,536 |
| Salaries and employee benefits | $969,000 | 5,361 |
| Premises and equipment expense | $211,000 | 5,852 |
| Additional noninterest expense | $522,000 | 5,498 |
| Pre-tax net operating income | $235,000 | 7,518 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $10,000 | 7,078 |
| Income before extraordinary items | $225,000 | 7,422 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $225,000 | 7,425 |
| 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 | $3,085,000 | 181 |
| Net operating income | $225,000 | 7,264 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,498,000 | 6,650 |
| Total interest expense | $423,000 | 6,823 |
| Net interest income | $1,075,000 | 6,423 |
| Provision for loan and lease losses | $108,000 | 3,738 |
| Total noninterest income | $362,000 | 4,493 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $19,000 | 7,696 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $343,000 | 3,050 |
| Total noninterest expense | $1,114,000 | 5,603 |
| Salaries and employee benefits | $625,000 | 5,481 |
| Premises and equipment expense | $134,000 | 5,977 |
| Additional noninterest expense | $355,000 | 5,427 |
| Pre-tax net operating income | $215,000 | 7,088 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,000 | 7,438 |
| 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 | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $214,000 | 6,645 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $700,000 | 6,910 |
| Total interest expense | $198,000 | 7,097 |
| Net interest income | $502,000 | 6,640 |
| Provision for loan and lease losses | $79,000 | 2,758 |
| Total noninterest income | $106,000 | 5,763 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,710 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $97,000 | 3,987 |
| Total noninterest expense | $486,000 | 6,094 |
| Salaries and employee benefits | $288,000 | 5,757 |
| Premises and equipment expense | $68,000 | 5,942 |
| Additional noninterest expense | $130,000 | 6,413 |
| Pre-tax net operating income | $43,000 | 8,097 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $42,000 | 8,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $42,000 | 8,057 |
| 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 | $42,000 | 7,906 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,806,000 | 8,066 |
| Total interest expense | $496,000 | 8,388 |
| Net interest income | $1,310,000 | 7,752 |
| Provision for loan and lease losses | $391,000 | 2,889 |
| Total noninterest income | $133,000 | 8,026 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $22,000 | 7,955 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $111,000 | 6,234 |
| Total noninterest expense | $1,779,000 | 6,298 |
| Salaries and employee benefits | $1,049,000 | 5,954 |
| Premises and equipment expense | $239,000 | 6,281 |
| Additional noninterest expense | $491,000 | 6,559 |
| Pre-tax net operating income | $-727,000 | 9,064 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,000 | 7,615 |
| Income before extraordinary items | $-728,000 | 9,119 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-728,000 | 9,115 |
| 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 | $-728,000 | 9,076 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $89,000 | 9,574 |
| Total interest expense | $8,000 | 9,569 |
| Net interest income | $81,000 | 9,560 |
| Provision for loan and lease losses | $81,000 | 5,963 |
| Total noninterest income | $4,000 | 9,518 |
| 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 | $4,000 | 9,354 |
| Total noninterest expense | $781,000 | 8,494 |
| Salaries and employee benefits | $196,000 | 9,413 |
| Premises and equipment expense | $162,000 | 7,325 |
| Additional noninterest expense | $423,000 | 6,964 |
| Pre-tax net operating income | $-777,000 | 9,275 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-777,000 | 9,337 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-777,000 | 9,338 |
| 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 | $7,669,000 | 104 |
| Net operating income | $-777,000 | 9,310 |
* 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.