Home > Elkhart Community Bank > Income and Expense
Elkhart Community Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,349,000 | 5,505 |
| Total interest expense | $2,033,000 | 4,398 |
| Net interest income | $2,316,000 | 6,026 |
| Provision for loan and lease losses | $3,548,000 | 1,784 |
| Total noninterest income | $-80,000 | 7,770 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $131,000 | 5,359 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-211,000 | 7,689 |
| Total noninterest expense | $2,430,000 | 5,753 |
| Salaries and employee benefits | $808,000 | 6,685 |
| Premises and equipment expense | $147,000 | 6,966 |
| Additional noninterest expense | $1,475,000 | 4,119 |
| Pre-tax net operating income | $-3,742,000 | 7,021 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-207,000 | 6,773 |
| Income before extraordinary items | $-3,535,000 | 7,084 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,535,000 | 7,082 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,535,000 | 7,082 |
| Net charge-offs | $2,886,000 | 1,648 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,535,000 | 7,084 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,358,000 | 5,503 |
| Total interest expense | $1,646,000 | 4,336 |
| Net interest income | $1,712,000 | 6,079 |
| Provision for loan and lease losses | $2,861,000 | 1,526 |
| Total noninterest income | $32,000 | 7,583 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $102,000 | 5,342 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-70,000 | 7,782 |
| Total noninterest expense | $1,773,000 | 5,851 |
| Salaries and employee benefits | $601,000 | 6,734 |
| Premises and equipment expense | $115,000 | 6,946 |
| Additional noninterest expense | $1,057,000 | 4,234 |
| Pre-tax net operating income | $-2,890,000 | 7,260 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $108,000 | 2,822 |
| Income before extraordinary items | $-2,998,000 | 7,382 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,998,000 | 7,382 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,998,000 | 7,382 |
| Net charge-offs | $1,815,000 | 1,592 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,998,000 | 7,371 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,263,000 | 5,523 |
| Total interest expense | $1,189,000 | 4,273 |
| Net interest income | $1,074,000 | 6,235 |
| Provision for loan and lease losses | $1,690,000 | 1,555 |
| Total noninterest income | $106,000 | 6,305 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $70,000 | 5,297 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $36,000 | 6,203 |
| Total noninterest expense | $1,134,000 | 5,992 |
| Salaries and employee benefits | $406,000 | 6,780 |
| Premises and equipment expense | $79,000 | 6,963 |
| Additional noninterest expense | $649,000 | 4,495 |
| Pre-tax net operating income | $-1,644,000 | 7,284 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-648,000 | 7,643 |
| Income before extraordinary items | $-996,000 | 7,148 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-996,000 | 7,148 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-996,000 | 7,149 |
| Net charge-offs | $387,000 | 2,644 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-996,000 | 7,144 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 5,609 |
| Total interest expense | $628,000 | 4,239 |
| Net interest income | $488,000 | 6,456 |
| Provision for loan and lease losses | $690,000 | 1,484 |
| Total noninterest income | $35,000 | 6,851 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $37,000 | 5,156 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-2,000 | 7,959 |
| Total noninterest expense | $518,000 | 6,177 |
| Salaries and employee benefits | $182,000 | 7,039 |
| Premises and equipment expense | $42,000 | 6,902 |
| Additional noninterest expense | $294,000 | 4,479 |
| Pre-tax net operating income | $-685,000 | 7,474 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-270,000 | 7,772 |
| Income before extraordinary items | $-415,000 | 7,361 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-415,000 | 7,362 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-415,000 | 7,362 |
| Net charge-offs | $271,000 | 1,869 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-415,000 | 7,324 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,536,000 | 5,166 |
| Total interest expense | $2,849,000 | 4,397 |
| Net interest income | $2,687,000 | 5,720 |
| Provision for loan and lease losses | $1,101,000 | 2,568 |
| Total noninterest income | $147,000 | 6,905 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $144,000 | 5,388 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,000 | 7,858 |
| Total noninterest expense | $1,655,000 | 6,676 |
| Salaries and employee benefits | $551,000 | 7,536 |
| Premises and equipment expense | $146,000 | 7,181 |
| Additional noninterest expense | $958,000 | 4,953 |
| Pre-tax net operating income | $78,000 | 6,091 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $39,000 | 3,983 |
| Income before extraordinary items | $39,000 | 6,077 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $39,000 | 6,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $681,000 | 2,402 |
| Cash dividends | $304,000 | 4,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $39,000 | 6,217 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,268,000 | 5,168 |
| Total interest expense | $2,149,000 | 4,500 |
| Net interest income | $2,119,000 | 5,624 |
| Provision for loan and lease losses | $683,000 | 2,299 |
| Total noninterest income | $85,000 | 7,274 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $103,000 | 5,491 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-18,000 | 8,221 |
| Total noninterest expense | $1,164,000 | 6,807 |
| Salaries and employee benefits | $382,000 | 7,674 |
| Premises and equipment expense | $104,000 | 7,307 |
| Additional noninterest expense | $678,000 | 5,054 |
| Pre-tax net operating income | $357,000 | 5,418 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $147,000 | 3,254 |
| Income before extraordinary items | $210,000 | 5,648 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $210,000 | 5,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,252 |
| Cash dividends | $304,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $210,000 | 5,823 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,823,000 | 5,261 |
| Total interest expense | $1,457,000 | 4,583 |
| Net interest income | $1,366,000 | 5,745 |
| Provision for loan and lease losses | $197,000 | 3,191 |
| Total noninterest income | $47,000 | 7,556 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $68,000 | 5,520 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-21,000 | 8,345 |
| Total noninterest expense | $760,000 | 6,901 |
| Salaries and employee benefits | $226,000 | 7,874 |
| Premises and equipment expense | $71,000 | 7,323 |
| Additional noninterest expense | $463,000 | 4,975 |
| Pre-tax net operating income | $456,000 | 4,537 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $184,000 | 2,785 |
| Income before extraordinary items | $272,000 | 5,161 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $272,000 | 5,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,014 |
| Cash dividends | $304,000 | 2,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $272,000 | 5,087 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,445,000 | 5,298 |
| Total interest expense | $784,000 | 4,564 |
| Net interest income | $661,000 | 5,845 |
| Provision for loan and lease losses | $133,000 | 2,332 |
| Total noninterest income | $28,000 | 7,392 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $34,000 | 5,506 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-6,000 | 8,394 |
| Total noninterest expense | $339,000 | 7,153 |
| Salaries and employee benefits | $71,000 | 8,261 |
| Premises and equipment expense | $36,000 | 7,313 |
| Additional noninterest expense | $232,000 | 4,924 |
| Pre-tax net operating income | $217,000 | 4,801 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $87,000 | 2,957 |
| Income before extraordinary items | $130,000 | 5,447 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $130,000 | 5,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,539 |
| Cash dividends | $217,000 | 2,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $130,000 | 5,353 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,488,000 | 4,964 |
| Total interest expense | $3,119,000 | 4,678 |
| Net interest income | $3,369,000 | 5,166 |
| Provision for loan and lease losses | $392,000 | 2,734 |
| Total noninterest income | $387,000 | 5,560 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $106,000 | 5,958 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $281,000 | 4,364 |
| Total noninterest expense | $2,087,000 | 6,108 |
| Salaries and employee benefits | $1,118,000 | 6,185 |
| Premises and equipment expense | $129,000 | 7,451 |
| Additional noninterest expense | $840,000 | 5,185 |
| Pre-tax net operating income | $1,277,000 | 4,231 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $512,000 | 2,712 |
| Income before extraordinary items | $765,000 | 4,878 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $765,000 | 4,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,526 |
| Cash dividends | $600,000 | 3,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $765,000 | 4,856 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,821,000 | 5,007 |
| Total interest expense | $2,299,000 | 4,740 |
| Net interest income | $2,522,000 | 5,188 |
| Provision for loan and lease losses | $207,000 | 2,951 |
| Total noninterest income | $327,000 | 5,364 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $81,000 | 5,959 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $246,000 | 4,123 |
| Total noninterest expense | $1,559,000 | 6,107 |
| Salaries and employee benefits | $844,000 | 6,147 |
| Premises and equipment expense | $100,000 | 7,395 |
| Additional noninterest expense | $615,000 | 5,210 |
| Pre-tax net operating income | $1,083,000 | 4,174 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $433,000 | 2,716 |
| Income before extraordinary items | $650,000 | 4,855 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $650,000 | 4,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,761 |
| Cash dividends | $450,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $650,000 | 4,844 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,200,000 | 5,041 |
| Total interest expense | $1,509,000 | 4,790 |
| Net interest income | $1,691,000 | 5,189 |
| Provision for loan and lease losses | $202,000 | 2,144 |
| Total noninterest income | $178,000 | 5,812 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $54,000 | 5,982 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $124,000 | 4,683 |
| Total noninterest expense | $1,042,000 | 6,129 |
| Salaries and employee benefits | $562,000 | 6,208 |
| Premises and equipment expense | $67,000 | 7,418 |
| Additional noninterest expense | $413,000 | 5,200 |
| Pre-tax net operating income | $625,000 | 4,556 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $250,000 | 2,962 |
| Income before extraordinary items | $375,000 | 5,211 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $375,000 | 5,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,006 |
| Cash dividends | $300,000 | 3,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $375,000 | 5,197 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,609,000 | 5,017 |
| Total interest expense | $762,000 | 4,721 |
| Net interest income | $847,000 | 5,192 |
| Provision for loan and lease losses | $161,000 | 1,360 |
| Total noninterest income | $88,000 | 5,796 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $25,000 | 6,052 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $63,000 | 4,645 |
| Total noninterest expense | $532,000 | 6,124 |
| Salaries and employee benefits | $284,000 | 6,209 |
| Premises and equipment expense | $33,000 | 7,469 |
| Additional noninterest expense | $215,000 | 5,020 |
| Pre-tax net operating income | $242,000 | 5,118 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $97,000 | 3,309 |
| Income before extraordinary items | $145,000 | 5,712 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $145,000 | 5,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,087 |
| Cash dividends | $150,000 | 2,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $145,000 | 5,699 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,172,000 | 4,912 |
| Total interest expense | $2,674,000 | 4,630 |
| Net interest income | $3,498,000 | 5,056 |
| Provision for loan and lease losses | $257,000 | 3,046 |
| Total noninterest income | $304,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $115,000 | 5,957 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $189,000 | 5,217 |
| Total noninterest expense | $2,035,000 | 6,117 |
| Salaries and employee benefits | $1,050,000 | 6,289 |
| Premises and equipment expense | $142,000 | 7,347 |
| Additional noninterest expense | $843,000 | 5,067 |
| Pre-tax net operating income | $1,510,000 | 4,270 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $562,000 | 2,977 |
| Income before extraordinary items | $948,000 | 4,826 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $948,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,449 |
| Cash dividends | $400,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $948,000 | 4,812 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,525,000 | 4,965 |
| Total interest expense | $1,908,000 | 4,694 |
| Net interest income | $2,617,000 | 5,100 |
| Provision for loan and lease losses | $66,000 | 4,743 |
| Total noninterest income | $221,000 | 6,270 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $88,000 | 5,997 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $133,000 | 5,349 |
| Total noninterest expense | $1,480,000 | 6,192 |
| Salaries and employee benefits | $776,000 | 6,316 |
| Premises and equipment expense | $108,000 | 7,336 |
| Additional noninterest expense | $596,000 | 5,240 |
| Pre-tax net operating income | $1,292,000 | 4,122 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $518,000 | 2,818 |
| Income before extraordinary items | $774,000 | 4,774 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $774,000 | 4,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,378 |
| Cash dividends | $300,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $774,000 | 4,772 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,916,000 | 5,049 |
| Total interest expense | $1,186,000 | 4,752 |
| Net interest income | $1,730,000 | 5,154 |
| Provision for loan and lease losses | $45,000 | 4,580 |
| Total noninterest income | $131,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $61,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $70,000 | 5,792 |
| Total noninterest expense | $957,000 | 6,289 |
| Salaries and employee benefits | $501,000 | 6,434 |
| Premises and equipment expense | $74,000 | 7,324 |
| Additional noninterest expense | $382,000 | 5,366 |
| Pre-tax net operating income | $859,000 | 4,157 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $343,000 | 2,857 |
| Income before extraordinary items | $516,000 | 4,803 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $516,000 | 4,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,743 |
| Cash dividends | $200,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $516,000 | 4,790 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,411,000 | 5,105 |
| Total interest expense | $570,000 | 4,730 |
| Net interest income | $841,000 | 5,257 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $61,000 | 6,597 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $25,000 | 6,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,743 |
| Total noninterest expense | $465,000 | 6,382 |
| Salaries and employee benefits | $249,000 | 6,465 |
| Premises and equipment expense | $38,000 | 7,293 |
| Additional noninterest expense | $178,000 | 5,545 |
| Pre-tax net operating income | $437,000 | 4,064 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $173,000 | 2,816 |
| Income before extraordinary items | $264,000 | 4,735 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $264,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $100,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $264,000 | 4,715 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,031,000 | 5,130 |
| Total interest expense | $1,827,000 | 4,700 |
| Net interest income | $3,204,000 | 5,287 |
| Provision for loan and lease losses | $417,000 | 2,212 |
| Total noninterest income | $298,000 | 6,338 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $97,000 | 6,336 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $201,000 | 5,145 |
| Total noninterest expense | $1,869,000 | 6,323 |
| Salaries and employee benefits | $970,000 | 6,435 |
| Premises and equipment expense | $146,000 | 7,321 |
| Additional noninterest expense | $753,000 | 5,366 |
| Pre-tax net operating income | $1,216,000 | 4,876 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $490,000 | 3,401 |
| Income before extraordinary items | $726,000 | 5,588 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $726,000 | 5,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,218 |
| Cash dividends | $200,000 | 4,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $726,000 | 5,556 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,625,000 | 5,230 |
| Total interest expense | $1,280,000 | 4,762 |
| Net interest income | $2,345,000 | 5,387 |
| Provision for loan and lease losses | $335,000 | 2,015 |
| Total noninterest income | $232,000 | 6,290 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $71,000 | 6,407 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $161,000 | 5,058 |
| Total noninterest expense | $1,385,000 | 6,325 |
| Salaries and employee benefits | $725,000 | 6,443 |
| Premises and equipment expense | $112,000 | 7,293 |
| Additional noninterest expense | $548,000 | 5,425 |
| Pre-tax net operating income | $857,000 | 5,149 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $351,000 | 3,527 |
| Income before extraordinary items | $506,000 | 5,869 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $506,000 | 5,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,628 |
| Cash dividends | $150,000 | 4,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $506,000 | 5,836 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,298,000 | 5,326 |
| Total interest expense | $786,000 | 4,833 |
| Net interest income | $1,512,000 | 5,480 |
| Provision for loan and lease losses | $235,000 | 1,900 |
| Total noninterest income | $145,000 | 6,403 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $44,000 | 6,475 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $101,000 | 5,169 |
| Total noninterest expense | $905,000 | 6,383 |
| Salaries and employee benefits | $480,000 | 6,467 |
| Premises and equipment expense | $70,000 | 7,407 |
| Additional noninterest expense | $355,000 | 5,472 |
| Pre-tax net operating income | $517,000 | 5,401 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $207,000 | 3,731 |
| Income before extraordinary items | $310,000 | 6,048 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $310,000 | 6,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 1,061 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $310,000 | 5,995 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 5,425 |
| Total interest expense | $370,000 | 4,898 |
| Net interest income | $737,000 | 5,584 |
| Provision for loan and lease losses | $65,000 | 2,741 |
| Total noninterest income | $56,000 | 6,874 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $23,000 | 6,401 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $33,000 | 6,001 |
| Total noninterest expense | $439,000 | 6,498 |
| Salaries and employee benefits | $234,000 | 6,566 |
| Premises and equipment expense | $35,000 | 7,470 |
| Additional noninterest expense | $170,000 | 5,595 |
| Pre-tax net operating income | $289,000 | 5,091 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $118,000 | 3,499 |
| Income before extraordinary items | $171,000 | 5,797 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $171,000 | 5,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $50,000 | 3,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $171,000 | 5,759 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,720,000 | 5,794 |
| Total interest expense | $1,016,000 | 5,601 |
| Net interest income | $2,704,000 | 5,752 |
| Provision for loan and lease losses | $96,000 | 5,072 |
| Total noninterest income | $276,000 | 6,571 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $74,000 | 6,886 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $202,000 | 5,093 |
| Total noninterest expense | $1,733,000 | 6,479 |
| Salaries and employee benefits | $927,000 | 6,521 |
| Premises and equipment expense | $136,000 | 7,491 |
| Additional noninterest expense | $670,000 | 5,669 |
| Pre-tax net operating income | $1,151,000 | 4,895 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $449,000 | 3,517 |
| Income before extraordinary items | $702,000 | 5,579 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $702,000 | 5,579 |
| 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 | $702,000 | 5,510 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,647,000 | 5,948 |
| Total interest expense | $689,000 | 5,878 |
| Net interest income | $1,958,000 | 5,859 |
| Provision for loan and lease losses | $8,000 | 6,855 |
| Total noninterest income | $210,000 | 6,587 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $56,000 | 6,905 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $154,000 | 5,070 |
| Total noninterest expense | $1,358,000 | 6,304 |
| Salaries and employee benefits | $701,000 | 6,458 |
| Premises and equipment expense | $102,000 | 7,487 |
| Additional noninterest expense | $555,000 | 5,314 |
| Pre-tax net operating income | $802,000 | 5,175 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $277,000 | 3,920 |
| Income before extraordinary items | $525,000 | 5,701 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $525,000 | 5,701 |
| 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 | $525,000 | 5,628 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,694,000 | 6,079 |
| Total interest expense | $434,000 | 6,055 |
| Net interest income | $1,260,000 | 5,993 |
| Provision for loan and lease losses | $-33,000 | 8,907 |
| Total noninterest income | $163,000 | 6,289 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $40,000 | 6,850 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $123,000 | 4,730 |
| Total noninterest expense | $918,000 | 6,293 |
| Salaries and employee benefits | $482,000 | 6,416 |
| Premises and equipment expense | $68,000 | 7,517 |
| Additional noninterest expense | $368,000 | 5,349 |
| Pre-tax net operating income | $538,000 | 5,127 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $186,000 | 3,906 |
| Income before extraordinary items | $352,000 | 5,654 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $352,000 | 5,654 |
| 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 | $352,000 | 5,569 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $822,000 | 6,185 |
| Total interest expense | $210,000 | 6,211 |
| Net interest income | $612,000 | 6,098 |
| Provision for loan and lease losses | $-33,000 | 8,979 |
| Total noninterest income | $99,000 | 5,796 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 6,805 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $79,000 | 4,203 |
| Total noninterest expense | $460,000 | 6,325 |
| Salaries and employee benefits | $240,000 | 6,472 |
| Premises and equipment expense | $34,000 | 7,562 |
| Additional noninterest expense | $186,000 | 5,320 |
| Pre-tax net operating income | $284,000 | 4,940 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $98,000 | 3,813 |
| Income before extraordinary items | $186,000 | 5,516 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $186,000 | 5,515 |
| 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 | $186,000 | 5,394 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,902,000 | 6,642 |
| Total interest expense | $910,000 | 6,384 |
| Net interest income | $1,992,000 | 6,604 |
| Provision for loan and lease losses | $8,000 | 7,438 |
| Total noninterest income | $266,000 | 6,837 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $76,000 | 6,964 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $190,000 | 5,388 |
| Total noninterest expense | $1,605,000 | 6,710 |
| Salaries and employee benefits | $776,000 | 7,001 |
| Premises and equipment expense | $117,000 | 7,844 |
| Additional noninterest expense | $712,000 | 5,450 |
| Pre-tax net operating income | $645,000 | 6,176 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $223,000 | 4,760 |
| Income before extraordinary items | $422,000 | 6,700 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $422,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,071 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $420,000 | 515 |
| Net operating income | $422,000 | 6,540 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,164,000 | 6,736 |
| Total interest expense | $699,000 | 6,460 |
| Net interest income | $1,465,000 | 6,705 |
| Provision for loan and lease losses | $7,000 | 7,290 |
| Total noninterest income | $214,000 | 6,735 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $55,000 | 7,074 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $159,000 | 5,224 |
| Total noninterest expense | $1,160,000 | 6,804 |
| Salaries and employee benefits | $564,000 | 7,068 |
| Premises and equipment expense | $97,000 | 7,691 |
| Additional noninterest expense | $499,000 | 5,646 |
| Pre-tax net operating income | $512,000 | 6,233 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $177,000 | 4,845 |
| Income before extraordinary items | $335,000 | 6,746 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $335,000 | 6,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,155 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $420,000 | 385 |
| Net operating income | $335,000 | 6,568 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,458,000 | 6,757 |
| Total interest expense | $479,000 | 6,512 |
| Net interest income | $979,000 | 6,699 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $160,000 | 6,494 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $30,000 | 7,331 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $130,000 | 4,848 |
| Total noninterest expense | $775,000 | 6,807 |
| Salaries and employee benefits | $383,000 | 7,054 |
| Premises and equipment expense | $63,000 | 7,744 |
| Additional noninterest expense | $329,000 | 5,669 |
| Pre-tax net operating income | $358,000 | 6,122 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $124,000 | 4,809 |
| Income before extraordinary items | $234,000 | 6,673 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $234,000 | 6,676 |
| 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 | $234,000 | 6,463 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $735,000 | 6,758 |
| Total interest expense | $246,000 | 6,539 |
| Net interest income | $489,000 | 6,711 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $75,000 | 6,577 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 4,921 |
| Total noninterest expense | $378,000 | 6,886 |
| Salaries and employee benefits | $186,000 | 7,150 |
| Premises and equipment expense | $32,000 | 7,760 |
| Additional noninterest expense | $160,000 | 5,725 |
| Pre-tax net operating income | $180,000 | 6,085 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $62,000 | 4,775 |
| Income before extraordinary items | $118,000 | 6,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $118,000 | 6,584 |
| 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 | $118,000 | 6,419 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,705,000 | 7,155 |
| Total interest expense | $950,000 | 7,064 |
| Net interest income | $1,755,000 | 7,027 |
| Provision for loan and lease losses | $264,000 | 3,738 |
| Total noninterest income | $225,000 | 7,066 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $79,000 | 6,958 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $146,000 | 5,658 |
| Total noninterest expense | $1,326,000 | 7,187 |
| Salaries and employee benefits | $609,000 | 7,669 |
| Premises and equipment expense | $119,000 | 7,896 |
| Additional noninterest expense | $598,000 | 5,945 |
| Pre-tax net operating income | $390,000 | 7,206 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $137,000 | 5,625 |
| Income before extraordinary items | $257,000 | 7,526 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $257,000 | 7,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,549 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $254,400 | 7,445 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 7,890 |
| Total interest expense | $1,165,000 | 7,674 |
| Net interest income | $1,192,000 | 7,901 |
| Provision for loan and lease losses | $225,000 | 3,876 |
| Total noninterest income | $123,000 | 8,196 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $32,000 | 7,942 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $91,000 | 6,630 |
| Total noninterest expense | $1,065,000 | 7,791 |
| Salaries and employee benefits | $498,000 | 8,191 |
| Premises and equipment expense | $101,000 | 8,285 |
| Additional noninterest expense | $466,000 | 6,675 |
| Pre-tax net operating income | $25,000 | 8,632 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $11,000 | 7,558 |
| Income before extraordinary items | $14,000 | 8,757 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $14,000 | 8,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,192 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $14,000 | 8,668 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,467,000 | 8,993 |
| Total interest expense | $753,000 | 8,745 |
| Net interest income | $714,000 | 9,082 |
| Provision for loan and lease losses | $222,000 | 3,517 |
| Total noninterest income | $66,000 | 9,090 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 8,434 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,569 |
| Total noninterest expense | $899,000 | 8,303 |
| Salaries and employee benefits | $411,000 | 8,688 |
| Premises and equipment expense | $96,000 | 8,515 |
| Additional noninterest expense | $392,000 | 7,208 |
| Pre-tax net operating income | $-341,000 | 9,444 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-341,000 | 9,473 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-341,000 | 9,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-341,000 | 9,478 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $119,000 | 10,169 |
| Total interest expense | $24,000 | 10,145 |
| Net interest income | $95,000 | 10,158 |
| Provision for loan and lease losses | $48,000 | 6,602 |
| Total noninterest income | $1,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $385,000 | 9,912 |
| Salaries and employee benefits | $82,000 | 10,161 |
| Premises and equipment expense | $39,000 | 9,842 |
| Additional noninterest expense | $264,000 | 8,434 |
| Pre-tax net operating income | $-337,000 | 9,738 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-337,000 | 9,797 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-337,000 | 9,797 |
| 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 | $-337,000 | 9,778 |
* 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.