Home > First Coastal Bank > Income and Expense
First Coastal Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,878,000 | 2,618 |
| Total interest expense | $1,550,000 | 2,901 |
| Net interest income | $2,328,000 | 2,432 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $400,000 | 2,567 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $70,000 | 4,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $330,000 | 1,834 |
| Total noninterest expense | $1,911,000 | 2,393 |
| Salaries and employee benefits | $1,061,000 | 2,424 |
| Premises and equipment expense | $313,000 | 2,079 |
| Additional noninterest expense | $537,000 | 2,464 |
| Pre-tax net operating income | $817,000 | 2,527 |
| Securities gains (losses) | $60,000 | 387 |
| Applicable income taxes | $351,000 | 1,666 |
| Income before extraordinary items | $526,000 | 2,902 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $526,000 | 2,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $225,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 603 |
| Net operating income | $487,600 | 3,066 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,093,000 | 2,409 |
| Total interest expense | $6,546,000 | 2,408 |
| Net interest income | $9,547,000 | 2,386 |
| Provision for loan and lease losses | $110,000 | 4,597 |
| Total noninterest income | $740,000 | 4,236 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $284,000 | 4,231 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $456,000 | 3,498 |
| Total noninterest expense | $7,698,000 | 2,302 |
| Salaries and employee benefits | $3,804,000 | 2,553 |
| Premises and equipment expense | $1,317,000 | 1,912 |
| Additional noninterest expense | $2,577,000 | 2,050 |
| Pre-tax net operating income | $2,479,000 | 3,144 |
| Securities gains (losses) | $39,000 | 736 |
| Applicable income taxes | $1,003,000 | 2,192 |
| Income before extraordinary items | $1,515,000 | 3,748 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,515,000 | 3,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,569 |
| Cash dividends | $1,295,000 | 2,151 |
| Sale, conversion, retirement of capital stock, net | $-2,626,000 | 8,670 |
| Net operating income | $1,490,040 | 3,774 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,156,000 | 2,386 |
| Total interest expense | $4,899,000 | 2,353 |
| Net interest income | $7,257,000 | 2,382 |
| Provision for loan and lease losses | $110,000 | 3,941 |
| Total noninterest income | $527,000 | 4,357 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $214,000 | 4,260 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $313,000 | 3,667 |
| Total noninterest expense | $5,829,000 | 2,269 |
| Salaries and employee benefits | $2,877,000 | 2,531 |
| Premises and equipment expense | $993,000 | 1,915 |
| Additional noninterest expense | $1,959,000 | 1,994 |
| Pre-tax net operating income | $1,845,000 | 3,290 |
| Securities gains (losses) | $39,000 | 605 |
| Applicable income taxes | $752,000 | 2,291 |
| Income before extraordinary items | $1,132,000 | 3,873 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,132,000 | 3,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 1,806 |
| Cash dividends | $1,070,000 | 1,831 |
| Sale, conversion, retirement of capital stock, net | $-2,660,000 | 8,736 |
| Net operating income | $1,107,040 | 3,905 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,052,000 | 2,362 |
| Total interest expense | $3,209,000 | 2,300 |
| Net interest income | $4,843,000 | 2,387 |
| Provision for loan and lease losses | $10,000 | 5,986 |
| Total noninterest income | $400,000 | 4,047 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $149,000 | 4,158 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $251,000 | 3,326 |
| Total noninterest expense | $3,921,000 | 2,252 |
| Salaries and employee benefits | $1,986,000 | 2,456 |
| Premises and equipment expense | $668,000 | 1,883 |
| Additional noninterest expense | $1,267,000 | 2,071 |
| Pre-tax net operating income | $1,312,000 | 3,171 |
| Securities gains (losses) | $61,000 | 420 |
| Applicable income taxes | $552,000 | 2,168 |
| Income before extraordinary items | $821,000 | 3,688 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $821,000 | 3,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $745,000 | 1,825 |
| Sale, conversion, retirement of capital stock, net | $-2,694,000 | 8,772 |
| Net operating income | $781,960 | 3,802 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,848,000 | 2,404 |
| Total interest expense | $1,452,000 | 2,390 |
| Net interest income | $2,396,000 | 2,406 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $261,000 | 3,370 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $81,000 | 3,912 |
| Trading account gains and fees | $20,000 | 93 |
| Additional Noninterest Income | $160,000 | 2,862 |
| Total noninterest expense | $1,976,000 | 2,247 |
| Salaries and employee benefits | $980,000 | 2,488 |
| Premises and equipment expense | $342,000 | 1,847 |
| Additional noninterest expense | $654,000 | 1,989 |
| Pre-tax net operating income | $671,000 | 3,059 |
| Securities gains (losses) | $14,000 | 520 |
| Applicable income taxes | $278,000 | 2,116 |
| Income before extraordinary items | $407,000 | 3,668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $407,000 | 3,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $520,000 | 1,280 |
| Sale, conversion, retirement of capital stock, net | $-2,717,000 | 8,788 |
| Net operating income | $398,040 | 3,711 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,183,000 | 2,499 |
| Total interest expense | $3,563,000 | 2,898 |
| Net interest income | $9,620,000 | 2,296 |
| Provision for loan and lease losses | $217,000 | 3,456 |
| Total noninterest income | $779,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $367,000 | 3,750 |
| Trading account gains and fees | $11,000 | 123 |
| Additional Noninterest Income | $401,000 | 3,775 |
| Total noninterest expense | $7,918,000 | 2,108 |
| Salaries and employee benefits | $3,581,000 | 2,549 |
| Premises and equipment expense | $1,264,000 | 1,910 |
| Additional noninterest expense | $3,073,000 | 1,644 |
| Pre-tax net operating income | $2,264,000 | 3,395 |
| Securities gains (losses) | $368,000 | 352 |
| Applicable income taxes | $1,097,000 | 2,134 |
| Income before extraordinary items | $1,535,000 | 3,729 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,535,000 | 3,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,096 |
| Cash dividends | $300,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,299,480 | 4,127 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,532,000 | 2,530 |
| Total interest expense | $2,413,000 | 3,012 |
| Net interest income | $7,119,000 | 2,302 |
| Provision for loan and lease losses | $217,000 | 2,826 |
| Total noninterest income | $547,000 | 4,291 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $290,000 | 3,639 |
| Trading account gains and fees | $4,000 | 117 |
| Additional Noninterest Income | $253,000 | 4,114 |
| Total noninterest expense | $5,889,000 | 2,101 |
| Salaries and employee benefits | $2,658,000 | 2,533 |
| Premises and equipment expense | $941,000 | 1,913 |
| Additional noninterest expense | $2,290,000 | 1,640 |
| Pre-tax net operating income | $1,560,000 | 3,640 |
| Securities gains (losses) | $368,000 | 331 |
| Applicable income taxes | $769,000 | 2,265 |
| Income before extraordinary items | $1,159,000 | 3,758 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,159,000 | 3,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 1,760 |
| Cash dividends | $225,000 | 3,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $923,480 | 4,345 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,074,000 | 2,573 |
| Total interest expense | $1,448,000 | 3,133 |
| Net interest income | $4,626,000 | 2,343 |
| Provision for loan and lease losses | $50,000 | 4,523 |
| Total noninterest income | $296,000 | 4,826 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $205,000 | 3,456 |
| Trading account gains and fees | $-38,000 | 8,844 |
| Additional Noninterest Income | $129,000 | 4,634 |
| Total noninterest expense | $3,949,000 | 2,075 |
| Salaries and employee benefits | $1,803,000 | 2,475 |
| Premises and equipment expense | $623,000 | 1,913 |
| Additional noninterest expense | $1,523,000 | 1,620 |
| Pre-tax net operating income | $923,000 | 3,922 |
| Securities gains (losses) | $335,000 | 304 |
| Applicable income taxes | $501,000 | 2,278 |
| Income before extraordinary items | $757,000 | 3,761 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $757,000 | 3,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 1,236 |
| Cash dividends | $150,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $542,600 | 4,635 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,956,000 | 2,601 |
| Total interest expense | $681,000 | 3,186 |
| Net interest income | $2,275,000 | 2,364 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $166,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $100,000 | 3,455 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $66,000 | 4,568 |
| Total noninterest expense | $2,060,000 | 2,010 |
| Salaries and employee benefits | $868,000 | 2,578 |
| Premises and equipment expense | $317,000 | 1,887 |
| Additional noninterest expense | $875,000 | 1,424 |
| Pre-tax net operating income | $331,000 | 4,746 |
| Securities gains (losses) | $294,000 | 199 |
| Applicable income taxes | $248,000 | 2,285 |
| Income before extraordinary items | $377,000 | 3,769 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $377,000 | 3,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $75,000 | 3,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $188,840 | 5,537 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,046,000 | 2,815 |
| Total interest expense | $1,658,000 | 4,226 |
| Net interest income | $8,388,000 | 2,436 |
| Provision for loan and lease losses | $405,000 | 2,340 |
| Total noninterest income | $819,000 | 3,986 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $538,000 | 2,975 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $281,000 | 4,395 |
| Total noninterest expense | $6,850,000 | 2,329 |
| Salaries and employee benefits | $3,380,000 | 2,562 |
| Premises and equipment expense | $1,270,000 | 1,811 |
| Additional noninterest expense | $2,200,000 | 2,210 |
| Pre-tax net operating income | $1,952,000 | 3,562 |
| Securities gains (losses) | $101,000 | 1,241 |
| Applicable income taxes | $814,000 | 2,502 |
| Income before extraordinary items | $1,239,000 | 4,128 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,239,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,472 |
| Cash dividends | $300,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,174,360 | 4,196 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,326,000 | 2,859 |
| Total interest expense | $1,155,000 | 4,398 |
| Net interest income | $6,171,000 | 2,449 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $630,000 | 3,965 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $418,000 | 2,899 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $212,000 | 4,386 |
| Total noninterest expense | $5,078,000 | 2,345 |
| Salaries and employee benefits | $2,525,000 | 2,552 |
| Premises and equipment expense | $948,000 | 1,829 |
| Additional noninterest expense | $1,605,000 | 2,255 |
| Pre-tax net operating income | $1,673,000 | 3,333 |
| Securities gains (losses) | $84,000 | 1,301 |
| Applicable income taxes | $700,000 | 2,312 |
| Income before extraordinary items | $1,057,000 | 3,881 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,057,000 | 3,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,894 |
| Cash dividends | $225,000 | 3,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,003,240 | 3,929 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,755,000 | 2,924 |
| Total interest expense | $729,000 | 4,567 |
| Net interest income | $4,026,000 | 2,476 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $425,000 | 3,956 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $282,000 | 2,849 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $143,000 | 4,404 |
| Total noninterest expense | $3,330,000 | 2,393 |
| Salaries and employee benefits | $1,635,000 | 2,620 |
| Premises and equipment expense | $621,000 | 1,840 |
| Additional noninterest expense | $1,074,000 | 2,248 |
| Pre-tax net operating income | $1,071,000 | 3,373 |
| Securities gains (losses) | $86,000 | 1,124 |
| Applicable income taxes | $460,000 | 2,335 |
| Income before extraordinary items | $697,000 | 3,852 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $697,000 | 3,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $150,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $641,960 | 3,976 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,368,000 | 2,946 |
| Total interest expense | $369,000 | 4,557 |
| Net interest income | $1,999,000 | 2,492 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $215,000 | 3,885 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $146,000 | 2,732 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $69,000 | 4,468 |
| Total noninterest expense | $1,682,000 | 2,364 |
| Salaries and employee benefits | $824,000 | 2,615 |
| Premises and equipment expense | $308,000 | 1,883 |
| Additional noninterest expense | $550,000 | 2,158 |
| Pre-tax net operating income | $482,000 | 3,621 |
| Securities gains (losses) | $86,000 | 884 |
| Applicable income taxes | $226,000 | 2,372 |
| Income before extraordinary items | $342,000 | 3,908 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $342,000 | 3,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $75,000 | 3,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $286,960 | 4,273 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,634,000 | 3,209 |
| Total interest expense | $1,280,000 | 5,362 |
| Net interest income | $7,354,000 | 2,628 |
| Provision for loan and lease losses | $215,000 | 3,893 |
| Total noninterest income | $881,000 | 4,000 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $596,000 | 2,705 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $285,000 | 4,607 |
| Total noninterest expense | $6,234,000 | 2,511 |
| Salaries and employee benefits | $2,858,000 | 2,896 |
| Premises and equipment expense | $1,213,000 | 1,885 |
| Additional noninterest expense | $2,163,000 | 2,227 |
| Pre-tax net operating income | $1,786,000 | 3,654 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $704,000 | 2,790 |
| Income before extraordinary items | $1,082,000 | 4,427 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,082,000 | 4,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,544 |
| Cash dividends | $1,057,000 | 2,230 |
| Sale, conversion, retirement of capital stock, net | $2,717,000 | 301 |
| Net operating income | $1,082,000 | 4,243 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,304,000 | 3,340 |
| Total interest expense | $928,000 | 5,606 |
| Net interest income | $5,376,000 | 2,704 |
| Provision for loan and lease losses | $85,000 | 5,045 |
| Total noninterest income | $628,000 | 4,174 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $412,000 | 2,896 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $216,000 | 4,638 |
| Total noninterest expense | $4,627,000 | 2,544 |
| Salaries and employee benefits | $2,135,000 | 2,909 |
| Premises and equipment expense | $910,000 | 1,880 |
| Additional noninterest expense | $1,582,000 | 2,266 |
| Pre-tax net operating income | $1,292,000 | 3,869 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $508,000 | 2,993 |
| Income before extraordinary items | $784,000 | 4,650 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $784,000 | 4,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,682 |
| Cash dividends | $532,000 | 2,590 |
| Sale, conversion, retirement of capital stock, net | $2,715,000 | 205 |
| Net operating income | $784,000 | 4,472 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,235,000 | 3,333 |
| Total interest expense | $624,000 | 5,707 |
| Net interest income | $3,611,000 | 2,699 |
| Provision for loan and lease losses | $55,000 | 5,021 |
| Total noninterest income | $407,000 | 4,202 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $274,000 | 2,852 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $133,000 | 4,798 |
| Total noninterest expense | $3,081,000 | 2,532 |
| Salaries and employee benefits | $1,407,000 | 2,951 |
| Premises and equipment expense | $601,000 | 1,898 |
| Additional noninterest expense | $1,073,000 | 2,215 |
| Pre-tax net operating income | $882,000 | 3,804 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $347,000 | 2,972 |
| Income before extraordinary items | $535,000 | 4,611 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $535,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,341 |
| Cash dividends | $307,000 | 2,848 |
| Sale, conversion, retirement of capital stock, net | $2,715,000 | 127 |
| Net operating income | $535,000 | 4,396 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,126,000 | 3,353 |
| Total interest expense | $328,000 | 5,670 |
| Net interest income | $1,798,000 | 2,684 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $200,000 | 4,173 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $130,000 | 2,900 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $1,557,000 | 2,485 |
| Salaries and employee benefits | $705,000 | 2,934 |
| Premises and equipment expense | $305,000 | 1,870 |
| Additional noninterest expense | $547,000 | 2,149 |
| Pre-tax net operating income | $426,000 | 3,892 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $167,000 | 3,022 |
| Income before extraordinary items | $259,000 | 4,625 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $259,000 | 4,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,934 |
| Cash dividends | $150,000 | 2,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $259,000 | 4,415 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,483,000 | 3,471 |
| Total interest expense | $2,107,000 | 4,636 |
| Net interest income | $6,376,000 | 2,982 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $855,000 | 3,836 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $582,000 | 2,621 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $273,000 | 4,454 |
| Total noninterest expense | $5,804,000 | 2,551 |
| Salaries and employee benefits | $2,665,000 | 2,960 |
| Premises and equipment expense | $1,163,000 | 1,900 |
| Additional noninterest expense | $1,976,000 | 2,330 |
| Pre-tax net operating income | $1,427,000 | 4,242 |
| Securities gains (losses) | $48,000 | 2,442 |
| Applicable income taxes | $562,000 | 3,222 |
| Income before extraordinary items | $913,000 | 4,839 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $913,000 | 4,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,176 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $882,280 | 4,804 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,277,000 | 3,535 |
| Total interest expense | $3,418,000 | 4,285 |
| Net interest income | $5,859,000 | 3,000 |
| Provision for loan and lease losses | $250,000 | 3,605 |
| Total noninterest income | $2,023,000 | 1,998 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $570,000 | 2,543 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,453,000 | 1,566 |
| Total noninterest expense | $6,705,000 | 2,139 |
| Salaries and employee benefits | $2,752,000 | 2,714 |
| Premises and equipment expense | $1,034,000 | 2,061 |
| Additional noninterest expense | $2,919,000 | 1,589 |
| Pre-tax net operating income | $927,000 | 5,100 |
| Securities gains (losses) | $42,000 | 2,526 |
| Applicable income taxes | $521,000 | 3,257 |
| Income before extraordinary items | $448,000 | 6,316 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $448,000 | 6,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,952 |
| Cash dividends | $676,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $421,120 | 6,329 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,139,000 | 3,354 |
| Total interest expense | $4,262,000 | 3,784 |
| Net interest income | $5,877,000 | 3,015 |
| Provision for loan and lease losses | $235,000 | 3,415 |
| Total noninterest income | $1,069,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $534,000 | 2,535 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $535,000 | 2,839 |
| Total noninterest expense | $5,730,000 | 2,383 |
| Salaries and employee benefits | $2,571,000 | 2,761 |
| Premises and equipment expense | $899,000 | 2,297 |
| Additional noninterest expense | $2,260,000 | 1,930 |
| Pre-tax net operating income | $981,000 | 5,299 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $568,000 | 3,226 |
| Income before extraordinary items | $412,000 | 6,783 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $412,000 | 6,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,962 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $412,640 | 6,788 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,136,000 | 3,850 |
| Total interest expense | $3,001,000 | 4,604 |
| Net interest income | $5,135,000 | 3,376 |
| Provision for loan and lease losses | $147,000 | 4,324 |
| Total noninterest income | $928,000 | 3,279 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $768,000 | 1,725 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $160,000 | 5,460 |
| Total noninterest expense | $5,626,000 | 2,413 |
| Salaries and employee benefits | $2,389,000 | 2,929 |
| Premises and equipment expense | $767,000 | 2,647 |
| Additional noninterest expense | $2,470,000 | 1,793 |
| Pre-tax net operating income | $290,000 | 8,148 |
| Securities gains (losses) | $22,000 | 1,340 |
| Applicable income taxes | $289,000 | 4,900 |
| Income before extraordinary items | $23,000 | 9,360 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $23,000 | 9,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,214 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,920 | 9,388 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,365,000 | 5,400 |
| Total interest expense | $2,262,000 | 5,726 |
| Net interest income | $3,103,000 | 5,013 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $489,000 | 5,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $373,000 | 3,327 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,276 |
| Total noninterest expense | $3,092,000 | 4,012 |
| Salaries and employee benefits | $1,322,000 | 4,693 |
| Premises and equipment expense | $429,000 | 4,186 |
| Additional noninterest expense | $1,341,000 | 3,054 |
| Pre-tax net operating income | $490,000 | 7,419 |
| Securities gains (losses) | $77,000 | 1,445 |
| Applicable income taxes | $284,000 | 5,318 |
| Income before extraordinary items | $283,000 | 8,013 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $283,000 | 8,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,157 |
| Cash dividends | $274,000 | 4,801 |
| Sale, conversion, retirement of capital stock, net | $394,000 | 596 |
| Net operating income | $233,720 | 8,293 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,045,000 | 8,956 |
| Total interest expense | $594,000 | 9,842 |
| Net interest income | $1,451,000 | 8,099 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $167,000 | 8,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,870 |
| Total noninterest expense | $1,380,000 | 7,092 |
| Salaries and employee benefits | $709,000 | 7,271 |
| Premises and equipment expense | $202,000 | 6,803 |
| Additional noninterest expense | $469,000 | 6,765 |
| Pre-tax net operating income | $238,000 | 9,364 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $94,000 | 8,505 |
| Income before extraordinary items | $151,000 | 9,573 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $151,000 | 9,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,840 |
| Cash dividends | $149,000 | 5,971 |
| Sale, conversion, retirement of capital stock, net | $2,942,000 | 324 |
| Net operating income | $146,520 | 9,575 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,021,000 | 9,346 |
| Total interest expense | $476,000 | 10,671 |
| Net interest income | $1,545,000 | 8,157 |
| Provision for loan and lease losses | $39,000 | 7,052 |
| Total noninterest income | $294,000 | 7,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 6,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,724 |
| Total noninterest expense | $1,923,000 | 6,103 |
| Salaries and employee benefits | $924,000 | 6,342 |
| Premises and equipment expense | $230,000 | 6,529 |
| Additional noninterest expense | $769,000 | 5,357 |
| Pre-tax net operating income | $-123,000 | 10,990 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,000 | 10,529 |
| Income before extraordinary items | $-124,000 | 11,033 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-124,000 | 11,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,393 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,362,000 | 343 |
| Net operating income | $-124,000 | 10,988 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,700,000 | 10,177 |
| Total interest expense | $414,000 | 11,279 |
| Net interest income | $1,286,000 | 9,110 |
| Provision for loan and lease losses | $8,000 | 8,490 |
| Total noninterest income | $389,000 | 6,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,895 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $250,000 | 4,479 |
| Total noninterest expense | $1,864,000 | 6,317 |
| Salaries and employee benefits | $848,000 | 6,832 |
| Premises and equipment expense | $308,000 | 5,516 |
| Additional noninterest expense | $708,000 | 5,788 |
| Pre-tax net operating income | $-197,000 | 11,669 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-197,000 | 11,679 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-197,000 | 11,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $415,000 | 1,564 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $830,000 | 318 |
| Net operating income | $-197,000 | 11,667 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,081,000 | 9,648 |
| Total interest expense | $448,000 | 11,347 |
| Net interest income | $1,633,000 | 8,505 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $246,000 | 8,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $2,315,000 | 5,518 |
| Salaries and employee benefits | $878,000 | 6,762 |
| Premises and equipment expense | $306,000 | 5,631 |
| Additional noninterest expense | $1,131,000 | 4,267 |
| Pre-tax net operating income | $-436,000 | 12,365 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $9,000 | 11,400 |
| Income before extraordinary items | $-445,000 | 12,339 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-445,000 | 12,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,238 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 745 |
| Net operating income | $-445,000 | 12,349 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,245,000 | 9,679 |
| Total interest expense | $578,000 | 11,275 |
| Net interest income | $1,667,000 | 8,586 |
| Provision for loan and lease losses | $945,000 | 1,355 |
| Total noninterest income | $431,000 | 6,171 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,698 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,825 |
| Total noninterest expense | $2,246,000 | 5,766 |
| Salaries and employee benefits | $916,000 | 6,625 |
| Premises and equipment expense | $276,000 | 6,244 |
| Additional noninterest expense | $1,054,000 | 4,699 |
| Pre-tax net operating income | $-1,093,000 | 12,991 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-1,093,000 | 13,011 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,093,000 | 13,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $636,000 | 1,535 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-1,093,000 | 12,968 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,721,000 | 9,497 |
| Total interest expense | $898,000 | 10,886 |
| Net interest income | $1,823,000 | 8,274 |
| Provision for loan and lease losses | $508,000 | 2,964 |
| Total noninterest income | $399,000 | 6,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 5,159 |
| Total noninterest expense | $2,377,000 | 5,533 |
| Salaries and employee benefits | $967,000 | 6,217 |
| Premises and equipment expense | $323,000 | 5,681 |
| Additional noninterest expense | $1,087,000 | 4,733 |
| Pre-tax net operating income | $-663,000 | 13,379 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-663,000 | 13,448 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-663,000 | 13,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 3,016 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,011 |
| Net operating income | $-663,000 | 13,356 |
* 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.