Home > Grand Haven Bank > Income and Expense
Grand Haven Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,760,000 | 4,583 |
| Total interest expense | $3,492,000 | 3,857 |
| Net interest income | $3,268,000 | 5,173 |
| Provision for loan and lease losses | $5,617,000 | 933 |
| Total noninterest income | $128,000 | 7,041 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $195,000 | 4,843 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-67,000 | 8,110 |
| Total noninterest expense | $2,845,000 | 5,288 |
| Salaries and employee benefits | $929,000 | 6,586 |
| Premises and equipment expense | $264,000 | 6,123 |
| Additional noninterest expense | $1,652,000 | 3,376 |
| Pre-tax net operating income | $-5,066,000 | 7,804 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,720,000 | 7,880 |
| Income before extraordinary items | $-3,346,000 | 7,664 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,346,000 | 7,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,674,000 | 864 |
| Cash dividends | $127,000 | 4,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,346,000 | 7,732 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,316,000 | 4,515 |
| Total interest expense | $2,760,000 | 3,824 |
| Net interest income | $2,556,000 | 5,099 |
| Provision for loan and lease losses | $5,617,000 | 602 |
| Total noninterest income | $163,000 | 6,473 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $148,000 | 4,849 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $15,000 | 7,595 |
| Total noninterest expense | $2,108,000 | 5,307 |
| Salaries and employee benefits | $692,000 | 6,625 |
| Premises and equipment expense | $188,000 | 6,254 |
| Additional noninterest expense | $1,228,000 | 3,326 |
| Pre-tax net operating income | $-5,006,000 | 8,129 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,702,000 | 8,153 |
| Income before extraordinary items | $-3,304,000 | 8,043 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,304,000 | 8,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,396,000 | 590 |
| Cash dividends | $127,000 | 4,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,304,000 | 8,096 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,849,000 | 4,356 |
| Total interest expense | $1,941,000 | 3,817 |
| Net interest income | $1,908,000 | 4,761 |
| Provision for loan and lease losses | $2,442,000 | 681 |
| Total noninterest income | $199,000 | 5,442 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $92,000 | 4,990 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $107,000 | 4,934 |
| Total noninterest expense | $1,409,000 | 5,326 |
| Salaries and employee benefits | $435,000 | 6,788 |
| Premises and equipment expense | $127,000 | 6,258 |
| Additional noninterest expense | $847,000 | 3,189 |
| Pre-tax net operating income | $-1,744,000 | 8,127 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-608,000 | 8,204 |
| Income before extraordinary items | $-1,136,000 | 8,047 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,136,000 | 8,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $731,000 | 1,031 |
| Cash dividends | $127,000 | 3,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,136,000 | 8,033 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 4,219 |
| Total interest expense | $1,064,000 | 3,759 |
| Net interest income | $1,006,000 | 4,606 |
| Provision for loan and lease losses | $423,000 | 1,104 |
| Total noninterest income | $100,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $44,000 | 5,057 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $56,000 | 4,821 |
| Total noninterest expense | $777,000 | 5,017 |
| Salaries and employee benefits | $247,000 | 6,550 |
| Premises and equipment expense | $70,000 | 6,040 |
| Additional noninterest expense | $460,000 | 2,920 |
| Pre-tax net operating income | $-94,000 | 7,540 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-29,000 | 7,945 |
| Income before extraordinary items | $-65,000 | 7,557 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-65,000 | 7,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 832 |
| Cash dividends | $127,000 | 2,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-65,000 | 7,502 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,136,000 | 3,997 |
| Total interest expense | $4,651,000 | 3,634 |
| Net interest income | $4,485,000 | 4,299 |
| Provision for loan and lease losses | $821,000 | 1,645 |
| Total noninterest income | $440,000 | 5,295 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $170,000 | 5,201 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $270,000 | 4,431 |
| Total noninterest expense | $3,369,000 | 4,644 |
| Salaries and employee benefits | $1,679,000 | 4,962 |
| Premises and equipment expense | $277,000 | 5,974 |
| Additional noninterest expense | $1,413,000 | 3,594 |
| Pre-tax net operating income | $735,000 | 5,353 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $253,000 | 3,598 |
| Income before extraordinary items | $482,000 | 5,742 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $482,000 | 5,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $820,000 | 1,184 |
| Cash dividends | $1,400,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $482,000 | 5,727 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,895,000 | 3,998 |
| Total interest expense | $3,404,000 | 3,711 |
| Net interest income | $3,491,000 | 4,221 |
| Provision for loan and lease losses | $544,000 | 1,464 |
| Total noninterest income | $353,000 | 5,189 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $125,000 | 5,268 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $228,000 | 4,247 |
| Total noninterest expense | $2,543,000 | 4,606 |
| Salaries and employee benefits | $1,300,000 | 4,843 |
| Premises and equipment expense | $195,000 | 6,134 |
| Additional noninterest expense | $1,048,000 | 3,573 |
| Pre-tax net operating income | $757,000 | 4,963 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $257,000 | 3,396 |
| Income before extraordinary items | $500,000 | 5,383 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $500,000 | 5,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $724,000 | 821 |
| Cash dividends | $1,050,000 | 1,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $500,000 | 5,367 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,576,000 | 4,028 |
| Total interest expense | $2,213,000 | 3,754 |
| Net interest income | $2,363,000 | 4,221 |
| Provision for loan and lease losses | $292,000 | 1,602 |
| Total noninterest income | $212,000 | 5,456 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $84,000 | 5,265 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $128,000 | 4,623 |
| Total noninterest expense | $1,718,000 | 4,575 |
| Salaries and employee benefits | $874,000 | 4,853 |
| Premises and equipment expense | $134,000 | 6,101 |
| Additional noninterest expense | $710,000 | 3,519 |
| Pre-tax net operating income | $565,000 | 4,813 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $198,000 | 3,290 |
| Income before extraordinary items | $367,000 | 5,254 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $367,000 | 5,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 1,072 |
| Cash dividends | $700,000 | 1,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $367,000 | 5,242 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,290,000 | 4,028 |
| Total interest expense | $1,082,000 | 3,800 |
| Net interest income | $1,208,000 | 4,138 |
| Provision for loan and lease losses | $77,000 | 2,386 |
| Total noninterest income | $111,000 | 5,313 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $41,000 | 5,255 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $70,000 | 4,459 |
| Total noninterest expense | $885,000 | 4,485 |
| Salaries and employee benefits | $447,000 | 4,805 |
| Premises and equipment expense | $73,000 | 5,929 |
| Additional noninterest expense | $365,000 | 3,415 |
| Pre-tax net operating income | $357,000 | 4,264 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $124,000 | 2,994 |
| Income before extraordinary items | $233,000 | 4,724 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $233,000 | 4,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 1,413 |
| Cash dividends | $350,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $233,000 | 4,707 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,309,000 | 3,772 |
| Total interest expense | $4,041,000 | 3,571 |
| Net interest income | $5,268,000 | 3,868 |
| Provision for loan and lease losses | $384,000 | 2,357 |
| Total noninterest income | $394,000 | 5,638 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $178,000 | 5,206 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $216,000 | 4,969 |
| Total noninterest expense | $3,317,000 | 4,558 |
| Salaries and employee benefits | $1,599,000 | 4,992 |
| Premises and equipment expense | $291,000 | 5,817 |
| Additional noninterest expense | $1,427,000 | 3,423 |
| Pre-tax net operating income | $1,961,000 | 3,694 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $677,000 | 2,721 |
| Income before extraordinary items | $1,284,000 | 4,135 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,284,000 | 4,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,605 |
| Cash dividends | $1,000,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,284,000 | 4,100 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,948,000 | 3,760 |
| Total interest expense | $2,958,000 | 3,545 |
| Net interest income | $3,990,000 | 3,855 |
| Provision for loan and lease losses | $293,000 | 2,202 |
| Total noninterest income | $303,000 | 5,613 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $134,000 | 5,249 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $169,000 | 4,896 |
| Total noninterest expense | $2,488,000 | 4,557 |
| Salaries and employee benefits | $1,202,000 | 4,966 |
| Premises and equipment expense | $203,000 | 6,030 |
| Additional noninterest expense | $1,083,000 | 3,391 |
| Pre-tax net operating income | $1,512,000 | 3,765 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $525,000 | 2,794 |
| Income before extraordinary items | $987,000 | 4,198 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $987,000 | 4,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,075 |
| Cash dividends | $750,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $987,000 | 4,189 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,572,000 | 3,756 |
| Total interest expense | $1,907,000 | 3,513 |
| Net interest income | $2,665,000 | 3,871 |
| Provision for loan and lease losses | $212,000 | 2,010 |
| Total noninterest income | $168,000 | 6,018 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $88,000 | 5,282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $80,000 | 5,568 |
| Total noninterest expense | $1,631,000 | 4,612 |
| Salaries and employee benefits | $789,000 | 5,030 |
| Premises and equipment expense | $136,000 | 6,020 |
| Additional noninterest expense | $706,000 | 3,444 |
| Pre-tax net operating income | $990,000 | 3,818 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $344,000 | 2,855 |
| Income before extraordinary items | $646,000 | 4,261 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $646,000 | 4,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,714 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $646,000 | 4,250 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,198,000 | 3,806 |
| Total interest expense | $906,000 | 3,519 |
| Net interest income | $1,292,000 | 3,956 |
| Provision for loan and lease losses | $127,000 | 1,668 |
| Total noninterest income | $92,000 | 5,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $42,000 | 5,298 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $50,000 | 5,119 |
| Total noninterest expense | $818,000 | 4,616 |
| Salaries and employee benefits | $409,000 | 4,936 |
| Premises and equipment expense | $74,000 | 5,831 |
| Additional noninterest expense | $335,000 | 3,570 |
| Pre-tax net operating income | $439,000 | 4,055 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $154,000 | 2,999 |
| Income before extraordinary items | $285,000 | 4,547 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $285,000 | 4,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 645 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $285,000 | 4,531 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,946,000 | 3,775 |
| Total interest expense | $2,864,000 | 3,470 |
| Net interest income | $5,082,000 | 3,906 |
| Provision for loan and lease losses | $966,000 | 1,076 |
| Total noninterest income | $682,000 | 4,455 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $147,000 | 5,655 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $535,000 | 3,249 |
| Total noninterest expense | $3,249,000 | 4,525 |
| Salaries and employee benefits | $1,492,000 | 5,065 |
| Premises and equipment expense | $379,000 | 5,031 |
| Additional noninterest expense | $1,378,000 | 3,459 |
| Pre-tax net operating income | $1,549,000 | 4,295 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $550,000 | 3,210 |
| Income before extraordinary items | $999,000 | 4,848 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $999,000 | 4,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $913,000 | 724 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $999,000 | 4,816 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,799,000 | 3,808 |
| Total interest expense | $2,057,000 | 3,438 |
| Net interest income | $3,742,000 | 3,952 |
| Provision for loan and lease losses | $661,000 | 1,128 |
| Total noninterest income | $558,000 | 4,233 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $109,000 | 5,703 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $449,000 | 3,074 |
| Total noninterest expense | $2,411,000 | 4,537 |
| Salaries and employee benefits | $1,130,000 | 5,015 |
| Premises and equipment expense | $297,000 | 4,876 |
| Additional noninterest expense | $984,000 | 3,542 |
| Pre-tax net operating income | $1,228,000 | 4,252 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $425,000 | 3,224 |
| Income before extraordinary items | $803,000 | 4,743 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $803,000 | 4,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $734,000 | 624 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $803,000 | 4,713 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,798,000 | 3,782 |
| Total interest expense | $1,337,000 | 3,345 |
| Net interest income | $2,461,000 | 3,972 |
| Provision for loan and lease losses | $420,000 | 1,135 |
| Total noninterest income | $431,000 | 3,862 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $69,000 | 5,752 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $362,000 | 2,715 |
| Total noninterest expense | $1,618,000 | 4,505 |
| Salaries and employee benefits | $751,000 | 5,015 |
| Premises and equipment expense | $211,000 | 4,630 |
| Additional noninterest expense | $656,000 | 3,530 |
| Pre-tax net operating income | $854,000 | 4,131 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $294,000 | 3,139 |
| Income before extraordinary items | $560,000 | 4,603 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $560,000 | 4,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $428,000 | 678 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $560,000 | 4,547 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,836,000 | 3,844 |
| Total interest expense | $641,000 | 3,336 |
| Net interest income | $1,195,000 | 4,075 |
| Provision for loan and lease losses | $210,000 | 1,084 |
| Total noninterest income | $216,000 | 3,787 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $34,000 | 5,761 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $182,000 | 2,636 |
| Total noninterest expense | $790,000 | 4,595 |
| Salaries and employee benefits | $371,000 | 5,086 |
| Premises and equipment expense | $112,000 | 4,492 |
| Additional noninterest expense | $307,000 | 3,736 |
| Pre-tax net operating income | $411,000 | 4,197 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $141,000 | 3,203 |
| Income before extraordinary items | $270,000 | 4,663 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $270,000 | 4,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 595 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $270,000 | 4,622 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,414,000 | 4,060 |
| Total interest expense | $2,425,000 | 3,121 |
| Net interest income | $3,989,000 | 4,490 |
| Provision for loan and lease losses | $2,036,000 | 534 |
| Total noninterest income | $559,000 | 4,993 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $173,000 | 5,515 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $386,000 | 3,782 |
| Total noninterest expense | $3,134,000 | 4,526 |
| Salaries and employee benefits | $1,451,000 | 5,066 |
| Premises and equipment expense | $298,000 | 5,700 |
| Additional noninterest expense | $1,385,000 | 3,333 |
| Pre-tax net operating income | $-622,000 | 8,708 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-209,000 | 8,817 |
| Income before extraordinary items | $-413,000 | 8,678 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-413,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,401,000 | 599 |
| Cash dividends | $1,250,000 | 1,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-413,000 | 8,649 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,802,000 | 4,055 |
| Total interest expense | $1,793,000 | 3,108 |
| Net interest income | $3,009,000 | 4,457 |
| Provision for loan and lease losses | $1,220,000 | 636 |
| Total noninterest income | $434,000 | 4,928 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $137,000 | 5,458 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $297,000 | 3,742 |
| Total noninterest expense | $2,390,000 | 4,444 |
| Salaries and employee benefits | $1,120,000 | 4,913 |
| Premises and equipment expense | $216,000 | 5,757 |
| Additional noninterest expense | $1,054,000 | 3,268 |
| Pre-tax net operating income | $-167,000 | 8,629 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-55,000 | 8,818 |
| Income before extraordinary items | $-112,000 | 8,634 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-112,000 | 8,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 947 |
| Cash dividends | $938,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-112,000 | 8,603 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,207,000 | 4,046 |
| Total interest expense | $1,189,000 | 3,111 |
| Net interest income | $2,018,000 | 4,448 |
| Provision for loan and lease losses | $1,007,000 | 519 |
| Total noninterest income | $314,000 | 4,715 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $96,000 | 5,356 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $218,000 | 3,584 |
| Total noninterest expense | $1,500,000 | 4,672 |
| Salaries and employee benefits | $772,000 | 4,834 |
| Premises and equipment expense | $142,000 | 5,829 |
| Additional noninterest expense | $586,000 | 3,814 |
| Pre-tax net operating income | $-175,000 | 8,752 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-58,000 | 8,897 |
| Income before extraordinary items | $-117,000 | 8,735 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-117,000 | 8,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 889 |
| Cash dividends | $625,000 | 1,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-117,000 | 8,709 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,601,000 | 4,059 |
| Total interest expense | $605,000 | 3,097 |
| Net interest income | $996,000 | 4,496 |
| Provision for loan and lease losses | $817,000 | 360 |
| Total noninterest income | $151,000 | 4,759 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $46,000 | 5,389 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $105,000 | 3,606 |
| Total noninterest expense | $747,000 | 4,703 |
| Salaries and employee benefits | $407,000 | 4,672 |
| Premises and equipment expense | $64,000 | 6,144 |
| Additional noninterest expense | $276,000 | 4,011 |
| Pre-tax net operating income | $-417,000 | 9,020 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-141,000 | 9,053 |
| Income before extraordinary items | $-276,000 | 8,980 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-276,000 | 8,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $454,000 | 454 |
| Cash dividends | $313,000 | 1,669 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-276,000 | 8,957 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,487,000 | 3,263 |
| Total interest expense | $2,898,000 | 2,960 |
| Net interest income | $5,589,000 | 3,380 |
| Provision for loan and lease losses | $777,000 | 1,502 |
| Total noninterest income | $860,000 | 4,055 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $224,000 | 5,023 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $636,000 | 3,141 |
| Total noninterest expense | $3,144,000 | 4,466 |
| Salaries and employee benefits | $1,508,000 | 4,832 |
| Premises and equipment expense | $282,000 | 5,852 |
| Additional noninterest expense | $1,354,000 | 3,372 |
| Pre-tax net operating income | $2,528,000 | 2,853 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $858,000 | 2,409 |
| Income before extraordinary items | $1,670,000 | 3,284 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,670,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $516,000 | 1,574 |
| Cash dividends | $1,250,000 | 1,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,670,000 | 3,133 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,769,000 | 3,141 |
| Total interest expense | $2,247,000 | 2,955 |
| Net interest income | $4,522,000 | 3,176 |
| Provision for loan and lease losses | $332,000 | 2,333 |
| Total noninterest income | $711,000 | 3,906 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $169,000 | 5,025 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $542,000 | 2,987 |
| Total noninterest expense | $2,291,000 | 4,538 |
| Salaries and employee benefits | $1,134,000 | 4,812 |
| Premises and equipment expense | $216,000 | 5,767 |
| Additional noninterest expense | $941,000 | 3,576 |
| Pre-tax net operating income | $2,610,000 | 2,296 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $887,000 | 2,044 |
| Income before extraordinary items | $1,723,000 | 2,658 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,723,000 | 2,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,375 |
| Cash dividends | $937,000 | 1,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,723,000 | 2,518 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,596,000 | 3,116 |
| Total interest expense | $1,542,000 | 2,964 |
| Net interest income | $3,054,000 | 3,139 |
| Provision for loan and lease losses | $205,000 | 2,473 |
| Total noninterest income | $487,000 | 3,799 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $106,000 | 5,131 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $381,000 | 2,873 |
| Total noninterest expense | $1,513,000 | 4,554 |
| Salaries and employee benefits | $774,000 | 4,723 |
| Premises and equipment expense | $141,000 | 5,847 |
| Additional noninterest expense | $598,000 | 3,711 |
| Pre-tax net operating income | $1,823,000 | 2,213 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $619,000 | 2,004 |
| Income before extraordinary items | $1,204,000 | 2,570 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,204,000 | 2,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,695 |
| Cash dividends | $625,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,204,000 | 2,417 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,300,000 | 3,124 |
| Total interest expense | $773,000 | 3,026 |
| Net interest income | $1,527,000 | 3,128 |
| Provision for loan and lease losses | $156,000 | 1,641 |
| Total noninterest income | $211,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $49,000 | 5,240 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $162,000 | 3,072 |
| Total noninterest expense | $721,000 | 4,705 |
| Salaries and employee benefits | $361,000 | 4,970 |
| Premises and equipment expense | $72,000 | 5,758 |
| Additional noninterest expense | $288,000 | 3,782 |
| Pre-tax net operating income | $861,000 | 2,325 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $292,000 | 2,097 |
| Income before extraordinary items | $569,000 | 2,664 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $569,000 | 2,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,492 |
| Cash dividends | $313,000 | 1,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $569,000 | 2,528 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,498,000 | 3,460 |
| Total interest expense | $3,114,000 | 3,439 |
| Net interest income | $5,384,000 | 3,444 |
| Provision for loan and lease losses | $546,000 | 2,235 |
| Total noninterest income | $728,000 | 4,225 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $181,000 | 5,450 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $547,000 | 3,120 |
| Total noninterest expense | $2,660,000 | 4,870 |
| Salaries and employee benefits | $1,311,000 | 5,175 |
| Premises and equipment expense | $249,000 | 6,167 |
| Additional noninterest expense | $1,100,000 | 3,881 |
| Pre-tax net operating income | $2,906,000 | 2,564 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $982,000 | 2,243 |
| Income before extraordinary items | $1,924,000 | 2,890 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,924,000 | 2,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,724 |
| Cash dividends | $750,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,924,000 | 2,799 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,282,000 | 4,306 |
| Total interest expense | $3,645,000 | 4,086 |
| Net interest income | $3,637,000 | 4,443 |
| Provision for loan and lease losses | $422,000 | 2,501 |
| Total noninterest income | $540,000 | 4,848 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $131,000 | 6,066 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $409,000 | 3,478 |
| Total noninterest expense | $2,217,000 | 5,360 |
| Salaries and employee benefits | $968,000 | 6,104 |
| Premises and equipment expense | $263,000 | 5,926 |
| Additional noninterest expense | $986,000 | 4,114 |
| Pre-tax net operating income | $1,538,000 | 3,787 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $527,000 | 3,240 |
| Income before extraordinary items | $1,011,000 | 4,257 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,011,000 | 4,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,593 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,011,000 | 4,144 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,728,000 | 4,732 |
| Total interest expense | $3,611,000 | 4,296 |
| Net interest income | $3,117,000 | 5,013 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $311,000 | 6,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 6,308 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 4,850 |
| Total noninterest expense | $1,728,000 | 6,215 |
| Salaries and employee benefits | $700,000 | 7,207 |
| Premises and equipment expense | $136,000 | 7,816 |
| Additional noninterest expense | $892,000 | 4,369 |
| Pre-tax net operating income | $1,580,000 | 3,922 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $545,000 | 3,299 |
| Income before extraordinary items | $1,035,000 | 4,280 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,035,000 | 4,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,432 |
| Cash dividends | $693,000 | 2,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,035,000 | 4,291 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,057,000 | 4,914 |
| Total interest expense | $3,180,000 | 4,383 |
| Net interest income | $2,877,000 | 5,324 |
| Provision for loan and lease losses | $187,000 | 3,709 |
| Total noninterest income | $315,000 | 6,313 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 6,515 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 4,897 |
| Total noninterest expense | $1,623,000 | 6,478 |
| Salaries and employee benefits | $650,000 | 7,488 |
| Premises and equipment expense | $116,000 | 8,318 |
| Additional noninterest expense | $857,000 | 4,558 |
| Pre-tax net operating income | $1,382,000 | 4,338 |
| Securities gains (losses) | $15,000 | 1,536 |
| Applicable income taxes | $491,000 | 3,679 |
| Income before extraordinary items | $906,000 | 4,727 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $906,000 | 4,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,321 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $896,250 | 4,715 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,869,000 | 5,785 |
| Total interest expense | $2,719,000 | 5,073 |
| Net interest income | $2,150,000 | 6,390 |
| Provision for loan and lease losses | $255,000 | 2,948 |
| Total noninterest income | $297,000 | 6,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $226,000 | 4,662 |
| Total noninterest expense | $1,272,000 | 7,347 |
| Salaries and employee benefits | $524,000 | 8,209 |
| Premises and equipment expense | $74,000 | 9,279 |
| Additional noninterest expense | $674,000 | 5,313 |
| Pre-tax net operating income | $920,000 | 5,671 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $337,000 | 4,871 |
| Income before extraordinary items | $583,000 | 6,139 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $583,000 | 6,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $583,000 | 6,035 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,553,000 | 7,107 |
| Total interest expense | $2,038,000 | 6,194 |
| Net interest income | $1,515,000 | 7,944 |
| Provision for loan and lease losses | $124,000 | 4,561 |
| Total noninterest income | $58,000 | 10,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,252 |
| Total noninterest expense | $936,000 | 8,568 |
| Salaries and employee benefits | $310,000 | 9,882 |
| Premises and equipment expense | $70,000 | 9,702 |
| Additional noninterest expense | $556,000 | 6,081 |
| Pre-tax net operating income | $513,000 | 7,852 |
| Securities gains (losses) | $21,000 | 1,847 |
| Applicable income taxes | $193,000 | 6,975 |
| Income before extraordinary items | $341,000 | 8,071 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $341,000 | 8,074 |
| 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 | $327,560 | 8,126 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,349,000 | 8,904 |
| Total interest expense | $1,301,000 | 8,108 |
| Net interest income | $1,048,000 | 9,420 |
| Provision for loan and lease losses | $148,000 | 4,128 |
| Total noninterest income | $64,000 | 10,602 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 9,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,012 |
| Total noninterest expense | $632,000 | 10,057 |
| Salaries and employee benefits | $221,000 | 10,899 |
| Premises and equipment expense | $59,000 | 10,387 |
| Additional noninterest expense | $352,000 | 8,339 |
| Pre-tax net operating income | $332,000 | 8,909 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $116,000 | 8,455 |
| Income before extraordinary items | $220,000 | 9,108 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $220,000 | 9,112 |
| 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 | $217,400 | 9,086 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,044,000 | 11,206 |
| Total interest expense | $574,000 | 10,767 |
| Net interest income | $470,000 | 11,470 |
| Provision for loan and lease losses | $32,000 | 7,011 |
| Total noninterest income | $19,000 | 11,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 10,209 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 11,496 |
| Total noninterest expense | $350,000 | 11,587 |
| Salaries and employee benefits | $123,000 | 11,816 |
| Premises and equipment expense | $32,000 | 11,571 |
| Additional noninterest expense | $195,000 | 10,472 |
| Pre-tax net operating income | $107,000 | 11,044 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $36,000 | 10,464 |
| Income before extraordinary items | $71,000 | 11,165 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $71,000 | 11,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 180 |
| Net operating income | $71,000 | 11,138 |
* 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.