Home > First Community Bank The Woodlands > Income and Expense
First Community Bank The Woodlands, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,252,000 | 3,514 |
| Total interest expense | $2,018,000 | 3,720 |
| Net interest income | $3,234,000 | 3,293 |
| Provision for loan and lease losses | $550,000 | 1,800 |
| Total noninterest income | $411,000 | 3,960 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $282,000 | 2,771 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $129,000 | 4,569 |
| Total noninterest expense | $3,168,000 | 2,912 |
| Salaries and employee benefits | $1,025,000 | 4,441 |
| Premises and equipment expense | $617,000 | 2,190 |
| Additional noninterest expense | $1,526,000 | 1,892 |
| Pre-tax net operating income | $-73,000 | 7,140 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $18,000 | 4,723 |
| Income before extraordinary items | $-91,000 | 7,235 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-91,000 | 7,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,812 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-91,000 | 7,200 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 3,573 |
| Total interest expense | $1,051,000 | 3,783 |
| Net interest income | $1,591,000 | 3,348 |
| Provision for loan and lease losses | $295,000 | 1,427 |
| Total noninterest income | $239,000 | 3,616 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $152,000 | 2,585 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $87,000 | 4,033 |
| Total noninterest expense | $1,631,000 | 2,835 |
| Salaries and employee benefits | $622,000 | 3,869 |
| Premises and equipment expense | $293,000 | 2,313 |
| Additional noninterest expense | $716,000 | 1,967 |
| Pre-tax net operating income | $-96,000 | 7,552 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $9,000 | 4,855 |
| Income before extraordinary items | $-105,000 | 7,664 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-105,000 | 7,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 1,417 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-105,000 | 7,622 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,896,000 | 4,071 |
| Total interest expense | $4,021,000 | 3,999 |
| Net interest income | $4,875,000 | 4,081 |
| Provision for loan and lease losses | $1,235,000 | 1,226 |
| Total noninterest income | $619,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $461,000 | 3,230 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $158,000 | 5,489 |
| Total noninterest expense | $6,180,000 | 2,884 |
| Salaries and employee benefits | $2,131,000 | 4,184 |
| Premises and equipment expense | $1,169,000 | 2,218 |
| Additional noninterest expense | $2,880,000 | 1,908 |
| Pre-tax net operating income | $-1,921,000 | 8,267 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-1,921,000 | 8,310 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,921,000 | 8,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $824,000 | 1,181 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,921,000 | 8,299 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,421,000 | 4,200 |
| Total interest expense | $2,890,000 | 4,109 |
| Net interest income | $3,531,000 | 4,194 |
| Provision for loan and lease losses | $813,000 | 1,071 |
| Total noninterest income | $454,000 | 4,628 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $320,000 | 3,411 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $134,000 | 5,292 |
| Total noninterest expense | $4,756,000 | 2,785 |
| Salaries and employee benefits | $1,986,000 | 3,562 |
| Premises and equipment expense | $711,000 | 2,677 |
| Additional noninterest expense | $2,059,000 | 1,960 |
| Pre-tax net operating income | $-1,584,000 | 8,393 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-1,584,000 | 8,423 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,584,000 | 8,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $506,000 | 1,061 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-1,584,000 | 8,410 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 4,386 |
| Total interest expense | $1,802,000 | 4,285 |
| Net interest income | $2,210,000 | 4,397 |
| Provision for loan and lease losses | $322,000 | 1,458 |
| Total noninterest income | $322,000 | 4,503 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $207,000 | 3,442 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $115,000 | 4,841 |
| Total noninterest expense | $2,975,000 | 2,988 |
| Salaries and employee benefits | $1,212,000 | 3,841 |
| Premises and equipment expense | $449,000 | 2,821 |
| Additional noninterest expense | $1,314,000 | 2,051 |
| Pre-tax net operating income | $-765,000 | 8,397 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-765,000 | 8,432 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-765,000 | 8,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,101 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-765,000 | 8,420 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,931,000 | 4,490 |
| Total interest expense | $856,000 | 4,404 |
| Net interest income | $1,075,000 | 4,488 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $161,000 | 4,461 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $99,000 | 3,475 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $62,000 | 4,685 |
| Total noninterest expense | $1,497,000 | 2,991 |
| Salaries and employee benefits | $703,000 | 3,447 |
| Premises and equipment expense | $186,000 | 3,305 |
| Additional noninterest expense | $608,000 | 2,165 |
| Pre-tax net operating income | $-261,000 | 8,372 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-261,000 | 8,396 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-261,000 | 8,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 653 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-261,000 | 8,386 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,640,000 | 5,756 |
| Total interest expense | $1,802,000 | 5,689 |
| Net interest income | $2,838,000 | 5,694 |
| Provision for loan and lease losses | $6,000 | 6,686 |
| Total noninterest income | $415,000 | 5,526 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $311,000 | 4,056 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $104,000 | 6,263 |
| Total noninterest expense | $3,331,000 | 4,547 |
| Salaries and employee benefits | $1,254,000 | 5,768 |
| Premises and equipment expense | $386,000 | 5,042 |
| Additional noninterest expense | $1,691,000 | 2,980 |
| Pre-tax net operating income | $-84,000 | 8,033 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-3,000 | 8,156 |
| Income before extraordinary items | $-81,000 | 8,059 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-81,000 | 8,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,413 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-81,000 | 8,048 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,638,000 | 6,433 |
| Total interest expense | $984,000 | 6,347 |
| Net interest income | $1,654,000 | 6,383 |
| Provision for loan and lease losses | $6,000 | 6,493 |
| Total noninterest income | $259,000 | 5,931 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $179,000 | 4,652 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $80,000 | 6,220 |
| Total noninterest expense | $1,650,000 | 5,863 |
| Salaries and employee benefits | $621,000 | 6,857 |
| Premises and equipment expense | $235,000 | 5,659 |
| Additional noninterest expense | $794,000 | 4,291 |
| Pre-tax net operating income | $257,000 | 7,204 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $129,000 | 4,664 |
| Income before extraordinary items | $128,000 | 7,587 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $128,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,540 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $128,000 | 7,588 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $580,000 | 8,270 |
| Total interest expense | $219,000 | 8,070 |
| Net interest income | $361,000 | 8,314 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $37,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $24,000 | 7,037 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $13,000 | 7,912 |
| Total noninterest expense | $293,000 | 8,397 |
| Salaries and employee benefits | $151,000 | 8,454 |
| Premises and equipment expense | $40,000 | 8,075 |
| Additional noninterest expense | $102,000 | 8,130 |
| Pre-tax net operating income | $105,000 | 7,661 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $36,000 | 5,457 |
| Income before extraordinary items | $69,000 | 7,775 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $69,000 | 7,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $69,000 | 7,777 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,765,000 | 4,428 |
| Total interest expense | $631,000 | 4,443 |
| Net interest income | $1,134,000 | 4,334 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $127,000 | 5,074 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $89,000 | 3,722 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $38,000 | 5,631 |
| Total noninterest expense | $982,000 | 4,066 |
| Salaries and employee benefits | $558,000 | 3,963 |
| Premises and equipment expense | $108,000 | 4,716 |
| Additional noninterest expense | $316,000 | 3,749 |
| Pre-tax net operating income | $259,000 | 5,297 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $88,000 | 3,760 |
| Income before extraordinary items | $171,000 | 5,667 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $171,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,059 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $171,000 | 5,662 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,895,000 | 4,198 |
| Total interest expense | $2,257,000 | 4,087 |
| Net interest income | $4,638,000 | 4,172 |
| Provision for loan and lease losses | $85,000 | 5,057 |
| Total noninterest income | $72,000 | 8,226 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $321,000 | 4,026 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-249,000 | 8,837 |
| Total noninterest expense | $3,584,000 | 4,214 |
| Salaries and employee benefits | $1,751,000 | 4,569 |
| Premises and equipment expense | $440,000 | 4,566 |
| Additional noninterest expense | $1,393,000 | 3,430 |
| Pre-tax net operating income | $1,041,000 | 5,252 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $354,000 | 3,890 |
| Income before extraordinary items | $687,000 | 5,712 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $687,000 | 5,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,474 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $687,000 | 5,689 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,105,000 | 4,175 |
| Total interest expense | $1,623,000 | 4,076 |
| Net interest income | $3,482,000 | 4,166 |
| Provision for loan and lease losses | $85,000 | 4,532 |
| Total noninterest income | $-110,000 | 8,854 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $230,000 | 4,141 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-340,000 | 8,866 |
| Total noninterest expense | $2,713,000 | 4,141 |
| Salaries and employee benefits | $1,337,000 | 4,477 |
| Premises and equipment expense | $326,000 | 4,576 |
| Additional noninterest expense | $1,050,000 | 3,381 |
| Pre-tax net operating income | $574,000 | 6,120 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $193,000 | 4,470 |
| Income before extraordinary items | $381,000 | 6,478 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $381,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,077 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $381,000 | 6,439 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,441,000 | 4,081 |
| Total interest expense | $1,055,000 | 3,980 |
| Net interest income | $2,386,000 | 4,067 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $114,000 | 6,862 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $154,000 | 4,093 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $-40,000 | 8,865 |
| Total noninterest expense | $1,838,000 | 4,069 |
| Salaries and employee benefits | $900,000 | 4,422 |
| Premises and equipment expense | $211,000 | 4,630 |
| Additional noninterest expense | $727,000 | 3,262 |
| Pre-tax net operating income | $617,000 | 4,939 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $210,000 | 3,706 |
| Income before extraordinary items | $407,000 | 5,403 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $407,000 | 5,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,257 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $407,000 | 5,368 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,720,000 | 4,062 |
| Total interest expense | $510,000 | 3,974 |
| Net interest income | $1,210,000 | 4,034 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $127,000 | 5,123 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $72,000 | 4,184 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,967 |
| Total noninterest expense | $913,000 | 4,120 |
| Salaries and employee benefits | $453,000 | 4,420 |
| Premises and equipment expense | $104,000 | 4,732 |
| Additional noninterest expense | $356,000 | 3,320 |
| Pre-tax net operating income | $394,000 | 4,319 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $134,000 | 3,287 |
| Income before extraordinary items | $260,000 | 4,757 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $260,000 | 4,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,643 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $260,000 | 4,720 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,360,000 | 4,082 |
| Total interest expense | $1,486,000 | 4,531 |
| Net interest income | $4,874,000 | 3,877 |
| Provision for loan and lease losses | $886,000 | 1,173 |
| Total noninterest income | $479,000 | 5,375 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $268,000 | 4,578 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $211,000 | 4,996 |
| Total noninterest expense | $3,496,000 | 4,182 |
| Salaries and employee benefits | $1,683,000 | 4,560 |
| Premises and equipment expense | $422,000 | 4,597 |
| Additional noninterest expense | $1,391,000 | 3,315 |
| Pre-tax net operating income | $971,000 | 5,314 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $329,000 | 4,038 |
| Income before extraordinary items | $642,000 | 5,807 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $642,000 | 5,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $684,000 | 1,037 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $642,000 | 5,733 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,685,000 | 4,125 |
| Total interest expense | $1,045,000 | 4,670 |
| Net interest income | $3,640,000 | 3,878 |
| Provision for loan and lease losses | $803,000 | 952 |
| Total noninterest income | $383,000 | 5,250 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $199,000 | 4,656 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $184,000 | 4,674 |
| Total noninterest expense | $2,615,000 | 4,154 |
| Salaries and employee benefits | $1,258,000 | 4,527 |
| Premises and equipment expense | $321,000 | 4,549 |
| Additional noninterest expense | $1,036,000 | 3,321 |
| Pre-tax net operating income | $605,000 | 5,883 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $203,000 | 4,412 |
| Income before extraordinary items | $402,000 | 6,311 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $402,000 | 6,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,477 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $402,000 | 6,235 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,012,000 | 4,245 |
| Total interest expense | $651,000 | 4,867 |
| Net interest income | $2,361,000 | 3,948 |
| Provision for loan and lease losses | $696,000 | 736 |
| Total noninterest income | $257,000 | 5,214 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $131,000 | 4,670 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $126,000 | 4,677 |
| Total noninterest expense | $1,673,000 | 4,315 |
| Salaries and employee benefits | $834,000 | 4,574 |
| Premises and equipment expense | $209,000 | 4,638 |
| Additional noninterest expense | $630,000 | 3,599 |
| Pre-tax net operating income | $249,000 | 6,832 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $82,000 | 5,085 |
| Income before extraordinary items | $167,000 | 7,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $167,000 | 7,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,199 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $167,000 | 7,114 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,495,000 | 4,278 |
| Total interest expense | $319,000 | 4,985 |
| Net interest income | $1,176,000 | 3,957 |
| Provision for loan and lease losses | $222,000 | 1,075 |
| Total noninterest income | $116,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 4,803 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $56,000 | 4,886 |
| Total noninterest expense | $826,000 | 4,383 |
| Salaries and employee benefits | $421,000 | 4,564 |
| Premises and equipment expense | $102,000 | 4,723 |
| Additional noninterest expense | $303,000 | 3,723 |
| Pre-tax net operating income | $244,000 | 5,342 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $80,000 | 4,142 |
| Income before extraordinary items | $164,000 | 5,802 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $164,000 | 5,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 1,540 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $164,000 | 5,679 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,223,000 | 4,746 |
| Total interest expense | $1,128,000 | 5,773 |
| Net interest income | $4,095,000 | 4,292 |
| Provision for loan and lease losses | $639,000 | 1,762 |
| Total noninterest income | $672,000 | 4,656 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $238,000 | 4,864 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $434,000 | 3,821 |
| Total noninterest expense | $2,963,000 | 4,636 |
| Salaries and employee benefits | $1,409,000 | 5,069 |
| Premises and equipment expense | $355,000 | 5,121 |
| Additional noninterest expense | $1,199,000 | 3,726 |
| Pre-tax net operating income | $1,165,000 | 4,768 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $395,000 | 3,810 |
| Income before extraordinary items | $770,000 | 5,334 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $770,000 | 5,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $422,000 | 1,817 |
| Cash dividends | $68,000 | 5,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $770,000 | 5,187 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,843,000 | 4,855 |
| Total interest expense | $842,000 | 5,922 |
| Net interest income | $3,001,000 | 4,377 |
| Provision for loan and lease losses | $335,000 | 2,318 |
| Total noninterest income | $545,000 | 4,490 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $170,000 | 5,015 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $375,000 | 3,651 |
| Total noninterest expense | $2,144,000 | 4,751 |
| Salaries and employee benefits | $1,031,000 | 5,147 |
| Premises and equipment expense | $251,000 | 5,318 |
| Additional noninterest expense | $862,000 | 3,843 |
| Pre-tax net operating income | $1,067,000 | 4,391 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $362,000 | 3,582 |
| Income before extraordinary items | $705,000 | 4,980 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $705,000 | 4,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,076 |
| Cash dividends | $62,000 | 5,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $705,000 | 4,785 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,482,000 | 5,014 |
| Total interest expense | $570,000 | 5,988 |
| Net interest income | $1,912,000 | 4,531 |
| Provision for loan and lease losses | $216,000 | 2,372 |
| Total noninterest income | $431,000 | 4,077 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $111,000 | 5,017 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $320,000 | 3,172 |
| Total noninterest expense | $1,403,000 | 4,805 |
| Salaries and employee benefits | $681,000 | 5,183 |
| Premises and equipment expense | $158,000 | 5,480 |
| Additional noninterest expense | $564,000 | 3,884 |
| Pre-tax net operating income | $724,000 | 4,340 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $245,000 | 3,585 |
| Income before extraordinary items | $479,000 | 4,911 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $479,000 | 4,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 1,560 |
| Cash dividends | $55,000 | 4,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $479,000 | 4,697 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,226,000 | 5,077 |
| Total interest expense | $294,000 | 5,992 |
| Net interest income | $932,000 | 4,608 |
| Provision for loan and lease losses | $48,000 | 3,749 |
| Total noninterest income | $306,000 | 3,204 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $58,000 | 4,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $248,000 | 2,372 |
| Total noninterest expense | $701,000 | 4,785 |
| Salaries and employee benefits | $340,000 | 5,194 |
| Premises and equipment expense | $79,000 | 5,487 |
| Additional noninterest expense | $282,000 | 3,842 |
| Pre-tax net operating income | $489,000 | 3,559 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $166,000 | 3,033 |
| Income before extraordinary items | $323,000 | 4,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $323,000 | 4,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,449 |
| Cash dividends | $55,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $323,000 | 3,843 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,280,000 | 4,987 |
| Total interest expense | $1,346,000 | 6,069 |
| Net interest income | $3,934,000 | 4,400 |
| Provision for loan and lease losses | $514,000 | 2,340 |
| Total noninterest income | $683,000 | 4,398 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $244,000 | 4,758 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $439,000 | 3,520 |
| Total noninterest expense | $2,572,000 | 4,989 |
| Salaries and employee benefits | $1,223,000 | 5,414 |
| Premises and equipment expense | $368,000 | 4,940 |
| Additional noninterest expense | $981,000 | 4,240 |
| Pre-tax net operating income | $1,531,000 | 4,056 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $518,000 | 3,379 |
| Income before extraordinary items | $1,013,000 | 4,555 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,013,000 | 4,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 2,411 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $165,000 | 584 |
| Net operating income | $1,013,000 | 4,437 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,885,000 | 5,704 |
| Total interest expense | $1,953,000 | 6,170 |
| Net interest income | $2,932,000 | 5,156 |
| Provision for loan and lease losses | $678,000 | 1,722 |
| Total noninterest income | $662,000 | 4,328 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $218,000 | 4,968 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $444,000 | 3,336 |
| Total noninterest expense | $1,960,000 | 5,811 |
| Salaries and employee benefits | $863,000 | 6,527 |
| Premises and equipment expense | $356,000 | 4,968 |
| Additional noninterest expense | $741,000 | 5,058 |
| Pre-tax net operating income | $956,000 | 5,019 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $236,000 | 4,706 |
| Income before extraordinary items | $743,000 | 5,074 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $743,000 | 5,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 1,689 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $2,028,000 | 299 |
| Net operating income | $725,520 | 5,031 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,894,000 | 6,567 |
| Total interest expense | $1,724,000 | 6,739 |
| Net interest income | $2,170,000 | 6,317 |
| Provision for loan and lease losses | $284,000 | 2,982 |
| Total noninterest income | $335,000 | 6,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,217 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,581 |
| Total noninterest expense | $1,819,000 | 6,026 |
| Salaries and employee benefits | $830,000 | 6,591 |
| Premises and equipment expense | $354,000 | 4,896 |
| Additional noninterest expense | $635,000 | 5,562 |
| Pre-tax net operating income | $402,000 | 7,460 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-140,000 | 9,633 |
| Income before extraordinary items | $542,000 | 6,117 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $542,000 | 6,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,956 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $542,000 | 6,125 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 7,851 |
| Total interest expense | $1,047,000 | 8,056 |
| Net interest income | $1,507,000 | 7,576 |
| Provision for loan and lease losses | $114,000 | 4,972 |
| Total noninterest income | $249,000 | 6,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 5,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,614 |
| Total noninterest expense | $1,649,000 | 6,411 |
| Salaries and employee benefits | $695,000 | 7,270 |
| Premises and equipment expense | $386,000 | 4,662 |
| Additional noninterest expense | $568,000 | 6,032 |
| Pre-tax net operating income | $-7,000 | 9,428 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-7,000 | 9,452 |
| Extraordinary gains, net | $-26,000 | 10,168 |
| Net income | $-33,000 | 9,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,020 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-7,000 | 9,425 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,351,000 | 9,472 |
| Total interest expense | $492,000 | 9,715 |
| Net interest income | $859,000 | 9,113 |
| Provision for loan and lease losses | $88,000 | 5,415 |
| Total noninterest income | $118,000 | 8,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,617 |
| Total noninterest expense | $1,473,000 | 6,765 |
| Salaries and employee benefits | $633,000 | 7,572 |
| Premises and equipment expense | $419,000 | 4,267 |
| Additional noninterest expense | $421,000 | 7,053 |
| Pre-tax net operating income | $-584,000 | 10,225 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-584,000 | 10,266 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-584,000 | 10,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,026 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-584,000 | 10,239 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $89,000 | 10,880 |
| Total interest expense | $16,000 | 10,863 |
| Net interest income | $73,000 | 10,872 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $34,000 | 10,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 9,280 |
| Total noninterest expense | $581,000 | 9,822 |
| Salaries and employee benefits | $223,000 | 10,423 |
| Premises and equipment expense | $93,000 | 9,130 |
| Additional noninterest expense | $265,000 | 8,682 |
| Pre-tax net operating income | $-486,000 | 10,737 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-486,000 | 10,752 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-486,000 | 10,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,095,000 | 195 |
| Net operating income | $-486,000 | 10,732 |
* 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.