Home > First Savers Bank > Income and Expense
First Savers Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,046,000 | 2,409 |
| Total interest expense | $4,974,000 | 1,773 |
| Net interest income | $3,072,000 | 3,423 |
| Provision for loan and lease losses | $127,000 | 3,892 |
| Total noninterest income | $283,000 | 4,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $283,000 | 3,130 |
| Total noninterest expense | $4,272,000 | 2,240 |
| Salaries and employee benefits | $2,772,000 | 1,883 |
| Premises and equipment expense | $838,000 | 1,659 |
| Additional noninterest expense | $662,000 | 3,869 |
| Pre-tax net operating income | $-1,044,000 | 7,934 |
| Securities gains (losses) | $646,000 | 257 |
| Applicable income taxes | $-141,000 | 7,920 |
| Income before extraordinary items | $-257,000 | 7,477 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-257,000 | 7,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,854 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-676,900 | 7,800 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,018,000 | 2,461 |
| Total interest expense | $2,546,000 | 1,842 |
| Net interest income | $1,472,000 | 3,526 |
| Provision for loan and lease losses | $37,000 | 4,177 |
| Total noninterest income | $150,000 | 4,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $150,000 | 3,046 |
| Total noninterest expense | $2,131,000 | 2,239 |
| Salaries and employee benefits | $1,438,000 | 1,824 |
| Premises and equipment expense | $368,000 | 1,847 |
| Additional noninterest expense | $325,000 | 3,878 |
| Pre-tax net operating income | $-546,000 | 8,112 |
| Securities gains (losses) | $371,000 | 291 |
| Applicable income taxes | $-58,000 | 8,052 |
| Income before extraordinary items | $-117,000 | 7,700 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-117,000 | 7,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,076 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-365,570 | 8,026 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,127,000 | 2,658 |
| Total interest expense | $9,296,000 | 2,057 |
| Net interest income | $5,831,000 | 3,575 |
| Provision for loan and lease losses | $359,000 | 2,882 |
| Total noninterest income | $797,000 | 4,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $797,000 | 2,562 |
| Total noninterest expense | $7,087,000 | 2,555 |
| Salaries and employee benefits | $4,798,000 | 2,102 |
| Premises and equipment expense | $1,146,000 | 2,272 |
| Additional noninterest expense | $1,143,000 | 4,210 |
| Pre-tax net operating income | $-818,000 | 7,974 |
| Securities gains (losses) | $1,309,000 | 149 |
| Applicable income taxes | $174,000 | 3,996 |
| Income before extraordinary items | $317,000 | 6,364 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $317,000 | 6,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,708 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-533,850 | 7,890 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,975,000 | 2,744 |
| Total interest expense | $6,678,000 | 2,122 |
| Net interest income | $4,297,000 | 3,641 |
| Provision for loan and lease losses | $242,000 | 2,667 |
| Total noninterest income | $628,000 | 3,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $628,000 | 2,494 |
| Total noninterest expense | $5,102,000 | 2,642 |
| Salaries and employee benefits | $3,407,000 | 2,212 |
| Premises and equipment expense | $847,000 | 2,283 |
| Additional noninterest expense | $848,000 | 4,202 |
| Pre-tax net operating income | $-419,000 | 8,026 |
| Securities gains (losses) | $1,071,000 | 150 |
| Applicable income taxes | $238,000 | 3,479 |
| Income before extraordinary items | $414,000 | 5,761 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $414,000 | 5,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,810 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-271,440 | 7,969 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,863,000 | 2,938 |
| Total interest expense | $4,161,000 | 2,261 |
| Net interest income | $2,702,000 | 3,821 |
| Provision for loan and lease losses | $154,000 | 2,552 |
| Total noninterest income | $392,000 | 4,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $392,000 | 2,609 |
| Total noninterest expense | $3,468,000 | 2,623 |
| Salaries and employee benefits | $2,276,000 | 2,251 |
| Premises and equipment expense | $573,000 | 2,254 |
| Additional noninterest expense | $619,000 | 3,932 |
| Pre-tax net operating income | $-528,000 | 8,317 |
| Securities gains (losses) | $764,000 | 142 |
| Applicable income taxes | $84,000 | 4,298 |
| Income before extraordinary items | $152,000 | 6,735 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $152,000 | 6,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,975 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-336,960 | 8,222 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,268,000 | 3,040 |
| Total interest expense | $1,954,000 | 2,356 |
| Net interest income | $1,314,000 | 3,888 |
| Provision for loan and lease losses | $66,000 | 2,646 |
| Total noninterest income | $170,000 | 4,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $170,000 | 2,796 |
| Total noninterest expense | $1,561,000 | 2,881 |
| Salaries and employee benefits | $1,076,000 | 2,385 |
| Premises and equipment expense | $282,000 | 2,318 |
| Additional noninterest expense | $203,000 | 5,214 |
| Pre-tax net operating income | $-143,000 | 8,223 |
| Securities gains (losses) | $311,000 | 161 |
| Applicable income taxes | $62,000 | 3,863 |
| Income before extraordinary items | $106,000 | 6,305 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $106,000 | 6,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,982 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-93,040 | 8,159 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,868,000 | 3,125 |
| Total interest expense | $6,633,000 | 2,381 |
| Net interest income | $5,235,000 | 3,879 |
| Provision for loan and lease losses | $160,000 | 3,939 |
| Total noninterest income | $608,000 | 4,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $608,000 | 2,988 |
| Total noninterest expense | $5,504,000 | 3,085 |
| Salaries and employee benefits | $3,589,000 | 2,692 |
| Premises and equipment expense | $1,069,000 | 2,317 |
| Additional noninterest expense | $846,000 | 5,050 |
| Pre-tax net operating income | $179,000 | 7,473 |
| Securities gains (losses) | $1,155,000 | 153 |
| Applicable income taxes | $495,000 | 3,171 |
| Income before extraordinary items | $839,000 | 5,106 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $839,000 | 5,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,765 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $99,800 | 7,666 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,701,000 | 3,161 |
| Total interest expense | $4,752,000 | 2,419 |
| Net interest income | $3,949,000 | 3,888 |
| Provision for loan and lease losses | $105,000 | 3,999 |
| Total noninterest income | $453,000 | 4,745 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $453,000 | 3,007 |
| Total noninterest expense | $4,116,000 | 3,098 |
| Salaries and employee benefits | $2,691,000 | 2,685 |
| Premises and equipment expense | $799,000 | 2,333 |
| Additional noninterest expense | $626,000 | 5,078 |
| Pre-tax net operating income | $181,000 | 7,488 |
| Securities gains (losses) | $782,000 | 163 |
| Applicable income taxes | $358,000 | 3,337 |
| Income before extraordinary items | $605,000 | 5,340 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $605,000 | 5,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $104,520 | 7,704 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,625,000 | 3,204 |
| Total interest expense | $3,006,000 | 2,436 |
| Net interest income | $2,619,000 | 3,920 |
| Provision for loan and lease losses | $75,000 | 3,786 |
| Total noninterest income | $322,000 | 4,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $322,000 | 2,885 |
| Total noninterest expense | $2,723,000 | 3,121 |
| Salaries and employee benefits | $1,782,000 | 2,705 |
| Premises and equipment expense | $549,000 | 2,263 |
| Additional noninterest expense | $392,000 | 5,275 |
| Pre-tax net operating income | $143,000 | 7,428 |
| Securities gains (losses) | $474,000 | 168 |
| Applicable income taxes | $231,000 | 3,425 |
| Income before extraordinary items | $386,000 | 5,466 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $386,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $82,640 | 7,673 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,744,000 | 3,204 |
| Total interest expense | $1,428,000 | 2,418 |
| Net interest income | $1,316,000 | 3,907 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $152,000 | 4,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $152,000 | 2,950 |
| Total noninterest expense | $1,343,000 | 3,172 |
| Salaries and employee benefits | $876,000 | 2,748 |
| Premises and equipment expense | $274,000 | 2,276 |
| Additional noninterest expense | $193,000 | 5,294 |
| Pre-tax net operating income | $80,000 | 7,307 |
| Securities gains (losses) | $221,000 | 172 |
| Applicable income taxes | $114,000 | 3,410 |
| Income before extraordinary items | $187,000 | 5,486 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $187,000 | 5,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $45,560 | 7,616 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,728,000 | 3,217 |
| Total interest expense | $4,659,000 | 2,355 |
| Net interest income | $5,069,000 | 3,920 |
| Provision for loan and lease losses | $128,000 | 4,363 |
| Total noninterest income | $684,000 | 4,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $684,000 | 2,816 |
| Total noninterest expense | $5,468,000 | 2,997 |
| Salaries and employee benefits | $3,658,000 | 2,504 |
| Premises and equipment expense | $961,000 | 2,454 |
| Additional noninterest expense | $849,000 | 4,969 |
| Pre-tax net operating income | $157,000 | 7,819 |
| Securities gains (losses) | $1,401,000 | 167 |
| Applicable income taxes | $551,000 | 3,207 |
| Income before extraordinary items | $1,007,000 | 4,817 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,007,000 | 4,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,584 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $96,350 | 7,961 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,152,000 | 3,218 |
| Total interest expense | $3,363,000 | 2,314 |
| Net interest income | $3,789,000 | 3,911 |
| Provision for loan and lease losses | $98,000 | 4,217 |
| Total noninterest income | $521,000 | 4,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $521,000 | 2,802 |
| Total noninterest expense | $4,115,000 | 2,941 |
| Salaries and employee benefits | $2,738,000 | 2,463 |
| Premises and equipment expense | $718,000 | 2,451 |
| Additional noninterest expense | $659,000 | 4,803 |
| Pre-tax net operating income | $97,000 | 8,029 |
| Securities gains (losses) | $1,151,000 | 170 |
| Applicable income taxes | $438,000 | 3,168 |
| Income before extraordinary items | $810,000 | 4,721 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $810,000 | 4,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,742 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $61,850 | 8,118 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,694,000 | 3,199 |
| Total interest expense | $2,189,000 | 2,235 |
| Net interest income | $2,505,000 | 3,921 |
| Provision for loan and lease losses | $66,000 | 4,004 |
| Total noninterest income | $346,000 | 4,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $346,000 | 2,798 |
| Total noninterest expense | $2,949,000 | 2,742 |
| Salaries and employee benefits | $1,994,000 | 2,264 |
| Premises and equipment expense | $510,000 | 2,288 |
| Additional noninterest expense | $445,000 | 4,762 |
| Pre-tax net operating income | $-164,000 | 8,530 |
| Securities gains (losses) | $812,000 | 172 |
| Applicable income taxes | $240,000 | 3,477 |
| Income before extraordinary items | $408,000 | 5,395 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $408,000 | 5,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,010 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-111,680 | 8,502 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 3,208 |
| Total interest expense | $1,055,000 | 2,220 |
| Net interest income | $1,257,000 | 3,908 |
| Provision for loan and lease losses | $51,000 | 3,150 |
| Total noninterest income | $152,000 | 4,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $152,000 | 2,953 |
| Total noninterest expense | $1,486,000 | 2,736 |
| Salaries and employee benefits | $1,003,000 | 2,270 |
| Premises and equipment expense | $253,000 | 2,332 |
| Additional noninterest expense | $230,000 | 4,642 |
| Pre-tax net operating income | $-128,000 | 8,676 |
| Securities gains (losses) | $412,000 | 163 |
| Applicable income taxes | $106,000 | 3,681 |
| Income before extraordinary items | $178,000 | 5,702 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $178,000 | 5,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-85,680 | 8,624 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,210,000 | 3,349 |
| Total interest expense | $3,454,000 | 2,325 |
| Net interest income | $4,756,000 | 3,954 |
| Provision for loan and lease losses | $211,000 | 3,597 |
| Total noninterest income | $682,000 | 4,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $682,000 | 2,743 |
| Total noninterest expense | $5,769,000 | 2,749 |
| Salaries and employee benefits | $3,878,000 | 2,248 |
| Premises and equipment expense | $1,027,000 | 2,232 |
| Additional noninterest expense | $864,000 | 4,837 |
| Pre-tax net operating income | $-542,000 | 8,678 |
| Securities gains (losses) | $2,018,000 | 183 |
| Applicable income taxes | $549,000 | 3,180 |
| Income before extraordinary items | $927,000 | 4,893 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $927,000 | 4,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,138 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-364,520 | 8,626 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,004,000 | 3,386 |
| Total interest expense | $2,481,000 | 2,376 |
| Net interest income | $3,523,000 | 3,991 |
| Provision for loan and lease losses | $160,000 | 3,409 |
| Total noninterest income | $515,000 | 4,454 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $515,000 | 2,749 |
| Total noninterest expense | $4,270,000 | 2,757 |
| Salaries and employee benefits | $2,858,000 | 2,258 |
| Premises and equipment expense | $771,000 | 2,227 |
| Additional noninterest expense | $641,000 | 4,836 |
| Pre-tax net operating income | $-392,000 | 8,734 |
| Securities gains (losses) | $1,529,000 | 194 |
| Applicable income taxes | $424,000 | 3,201 |
| Income before extraordinary items | $713,000 | 4,909 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $713,000 | 4,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 2,368 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-265,560 | 8,696 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,899,000 | 3,449 |
| Total interest expense | $1,611,000 | 2,410 |
| Net interest income | $2,288,000 | 4,071 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $356,000 | 4,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $356,000 | 2,699 |
| Total noninterest expense | $3,081,000 | 2,558 |
| Salaries and employee benefits | $2,036,000 | 2,141 |
| Premises and equipment expense | $534,000 | 2,140 |
| Additional noninterest expense | $511,000 | 4,241 |
| Pre-tax net operating income | $-537,000 | 8,915 |
| Securities gains (losses) | $1,105,000 | 198 |
| Applicable income taxes | $213,000 | 3,653 |
| Income before extraordinary items | $355,000 | 5,627 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $355,000 | 5,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,800 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-352,200 | 8,852 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,965,000 | 3,440 |
| Total interest expense | $819,000 | 2,390 |
| Net interest income | $1,146,000 | 4,051 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $178,000 | 4,348 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $178,000 | 2,660 |
| Total noninterest expense | $1,560,000 | 2,548 |
| Salaries and employee benefits | $1,054,000 | 2,088 |
| Premises and equipment expense | $262,000 | 2,195 |
| Additional noninterest expense | $244,000 | 4,405 |
| Pre-tax net operating income | $-281,000 | 8,956 |
| Securities gains (losses) | $582,000 | 239 |
| Applicable income taxes | $112,000 | 3,591 |
| Income before extraordinary items | $189,000 | 5,479 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $189,000 | 5,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,294 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-183,480 | 8,902 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,186,000 | 3,738 |
| Total interest expense | $3,112,000 | 2,770 |
| Net interest income | $4,074,000 | 4,307 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $846,000 | 4,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $846,000 | 2,647 |
| Total noninterest expense | $6,029,000 | 2,588 |
| Salaries and employee benefits | $4,021,000 | 2,114 |
| Premises and equipment expense | $859,000 | 2,586 |
| Additional noninterest expense | $1,149,000 | 3,853 |
| Pre-tax net operating income | $-1,349,000 | 9,026 |
| Securities gains (losses) | $3,695,000 | 187 |
| Applicable income taxes | $883,000 | 2,354 |
| Income before extraordinary items | $1,463,000 | 3,625 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,463,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,782 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-901,800 | 8,966 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,335,000 | 3,822 |
| Total interest expense | $2,316,000 | 2,882 |
| Net interest income | $3,019,000 | 4,366 |
| Provision for loan and lease losses | $195,000 | 3,379 |
| Total noninterest income | $661,000 | 4,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $661,000 | 2,670 |
| Total noninterest expense | $4,592,000 | 2,562 |
| Salaries and employee benefits | $3,055,000 | 2,091 |
| Premises and equipment expense | $623,000 | 2,682 |
| Additional noninterest expense | $914,000 | 3,672 |
| Pre-tax net operating income | $-1,107,000 | 9,094 |
| Securities gains (losses) | $3,107,000 | 198 |
| Applicable income taxes | $756,000 | 2,281 |
| Income before extraordinary items | $1,244,000 | 3,397 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,244,000 | 3,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,021 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-744,480 | 9,038 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,427,000 | 3,969 |
| Total interest expense | $1,521,000 | 3,003 |
| Net interest income | $1,906,000 | 4,539 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $421,000 | 4,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $421,000 | 2,716 |
| Total noninterest expense | $2,821,000 | 2,748 |
| Salaries and employee benefits | $1,833,000 | 2,302 |
| Premises and equipment expense | $434,000 | 2,564 |
| Additional noninterest expense | $554,000 | 3,933 |
| Pre-tax net operating income | $-584,000 | 9,094 |
| Securities gains (losses) | $1,648,000 | 262 |
| Applicable income taxes | $398,000 | 2,705 |
| Income before extraordinary items | $666,000 | 4,006 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $666,000 | 4,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,181 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-388,720 | 9,037 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,620,000 | 4,184 |
| Total interest expense | $728,000 | 3,206 |
| Net interest income | $892,000 | 4,735 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $209,000 | 4,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $209,000 | 2,647 |
| Total noninterest expense | $1,331,000 | 2,878 |
| Salaries and employee benefits | $829,000 | 2,538 |
| Premises and equipment expense | $211,000 | 2,633 |
| Additional noninterest expense | $291,000 | 3,742 |
| Pre-tax net operating income | $-275,000 | 9,127 |
| Securities gains (losses) | $694,000 | 282 |
| Applicable income taxes | $158,000 | 3,132 |
| Income before extraordinary items | $261,000 | 4,611 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $261,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,840 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-183,160 | 9,061 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,444,000 | 4,882 |
| Total interest expense | $2,493,000 | 4,108 |
| Net interest income | $2,951,000 | 5,337 |
| Provision for loan and lease losses | $205,000 | 4,288 |
| Total noninterest income | $536,000 | 5,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $536,000 | 3,162 |
| Total noninterest expense | $4,682,000 | 3,101 |
| Salaries and employee benefits | $2,945,000 | 2,672 |
| Premises and equipment expense | $820,000 | 2,626 |
| Additional noninterest expense | $917,000 | 4,477 |
| Pre-tax net operating income | $-1,400,000 | 9,193 |
| Securities gains (losses) | $2,759,000 | 224 |
| Applicable income taxes | $506,000 | 3,420 |
| Income before extraordinary items | $853,000 | 5,031 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $853,000 | 5,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,459,000 | 335 |
| Net operating income | $-912,760 | 9,124 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,384,000 | 5,357 |
| Total interest expense | $3,273,000 | 4,416 |
| Net interest income | $2,111,000 | 6,264 |
| Provision for loan and lease losses | $215,000 | 3,959 |
| Total noninterest income | $216,000 | 7,156 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $216,000 | 4,772 |
| Total noninterest expense | $2,120,000 | 5,525 |
| Salaries and employee benefits | $1,190,000 | 5,356 |
| Premises and equipment expense | $527,000 | 3,720 |
| Additional noninterest expense | $403,000 | 7,120 |
| Pre-tax net operating income | $-8,000 | 8,747 |
| Securities gains (losses) | $616,000 | 546 |
| Applicable income taxes | $218,000 | 4,878 |
| Income before extraordinary items | $390,000 | 6,636 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $390,000 | 6,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,455 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-4,240 | 8,743 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,977,000 | 5,751 |
| Total interest expense | $3,432,000 | 4,451 |
| Net interest income | $1,545,000 | 7,390 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $156,000 | 7,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $156,000 | 5,379 |
| Total noninterest expense | $1,609,000 | 6,464 |
| Salaries and employee benefits | $840,000 | 6,549 |
| Premises and equipment expense | $441,000 | 4,188 |
| Additional noninterest expense | $328,000 | 7,729 |
| Pre-tax net operating income | $-28,000 | 9,178 |
| Securities gains (losses) | $147,000 | 481 |
| Applicable income taxes | $27,000 | 7,689 |
| Income before extraordinary items | $92,000 | 8,761 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $92,000 | 8,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,073 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 443 |
| Net operating income | $-21,190 | 9,173 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,457,000 | 6,875 |
| Total interest expense | $2,141,000 | 5,749 |
| Net interest income | $1,316,000 | 7,948 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $89,000 | 8,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $89,000 | 6,897 |
| Total noninterest expense | $1,244,000 | 7,452 |
| Salaries and employee benefits | $731,000 | 7,071 |
| Premises and equipment expense | $265,000 | 5,865 |
| Additional noninterest expense | $248,000 | 8,575 |
| Pre-tax net operating income | $41,000 | 9,267 |
| Securities gains (losses) | $287,000 | 466 |
| Applicable income taxes | $120,000 | 6,654 |
| Income before extraordinary items | $208,000 | 8,245 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $208,000 | 8,243 |
| 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 | $1,000,000 | 507 |
| Net operating income | $24,320 | 9,320 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,761,000 | 7,805 |
| Total interest expense | $1,693,000 | 6,777 |
| Net interest income | $1,068,000 | 8,641 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $68,000 | 9,547 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $68,000 | 7,535 |
| Total noninterest expense | $1,062,000 | 7,932 |
| Salaries and employee benefits | $591,000 | 7,806 |
| Premises and equipment expense | $205,000 | 6,629 |
| Additional noninterest expense | $266,000 | 8,437 |
| Pre-tax net operating income | $-46,000 | 9,864 |
| Securities gains (losses) | $358,000 | 678 |
| Applicable income taxes | $118,000 | 7,272 |
| Income before extraordinary items | $194,000 | 8,662 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $194,000 | 8,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-35,120 | 9,850 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,520,000 | 8,349 |
| Total interest expense | $1,641,000 | 7,024 |
| Net interest income | $879,000 | 9,474 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $50,000 | 10,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $50,000 | 8,438 |
| Total noninterest expense | $901,000 | 8,687 |
| Salaries and employee benefits | $508,000 | 8,544 |
| Premises and equipment expense | $176,000 | 7,266 |
| Additional noninterest expense | $217,000 | 9,200 |
| Pre-tax net operating income | $-92,000 | 10,484 |
| Securities gains (losses) | $177,000 | 763 |
| Applicable income taxes | $32,000 | 9,533 |
| Income before extraordinary items | $53,000 | 10,223 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $53,000 | 10,225 |
| 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 | $0 | 1,030 |
| Net operating income | $-60,280 | 10,442 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,223,000 | 10,493 |
| Total interest expense | $839,000 | 9,512 |
| Net interest income | $384,000 | 11,122 |
| Provision for loan and lease losses | $135,000 | 4,332 |
| Total noninterest income | $28,000 | 11,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $638,000 | 10,038 |
| Salaries and employee benefits | $289,000 | 10,439 |
| Premises and equipment expense | $111,000 | 8,998 |
| Additional noninterest expense | $238,000 | 9,527 |
| Pre-tax net operating income | $-361,000 | 11,171 |
| Securities gains (losses) | $89,000 | 1,012 |
| Applicable income taxes | $-106,000 | 11,176 |
| Income before extraordinary items | $-166,000 | 11,078 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-166,000 | 11,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-222,960 | 11,083 |
* 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.