Home > Greater Buffalo Savings Bank > Income and Expense
Greater Buffalo Savings Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $44,281,000 | 952 |
| Total interest expense | $29,100,000 | 671 |
| Net interest income | $15,181,000 | 1,501 |
| Provision for loan and lease losses | $526,000 | 2,253 |
| Total noninterest income | $3,454,000 | 1,470 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $870,000 | 1,990 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,584,000 | 1,131 |
| Total noninterest expense | $21,743,000 | 854 |
| Salaries and employee benefits | $13,385,000 | 725 |
| Premises and equipment expense | $2,888,000 | 897 |
| Additional noninterest expense | $5,470,000 | 1,037 |
| Pre-tax net operating income | $-3,634,000 | 8,405 |
| Securities gains (losses) | $-131,000 | 8,198 |
| Applicable income taxes | $-1,653,000 | 8,450 |
| Income before extraordinary items | $-2,112,000 | 8,328 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,112,000 | 8,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,256,000 | 856 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-2,028,160 | 8,310 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $33,121,000 | 953 |
| Total interest expense | $21,719,000 | 677 |
| Net interest income | $11,402,000 | 1,500 |
| Provision for loan and lease losses | $263,000 | 2,529 |
| Total noninterest income | $2,577,000 | 1,484 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $623,000 | 2,040 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,954,000 | 1,139 |
| Total noninterest expense | $16,928,000 | 809 |
| Salaries and employee benefits | $10,666,000 | 677 |
| Premises and equipment expense | $2,185,000 | 896 |
| Additional noninterest expense | $4,077,000 | 1,015 |
| Pre-tax net operating income | $-3,212,000 | 8,499 |
| Securities gains (losses) | $-69,000 | 8,232 |
| Applicable income taxes | $-1,414,000 | 8,508 |
| Income before extraordinary items | $-1,867,000 | 8,455 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,867,000 | 8,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,091,000 | 614 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-1,822,840 | 8,442 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $21,981,000 | 976 |
| Total interest expense | $14,331,000 | 694 |
| Net interest income | $7,650,000 | 1,500 |
| Provision for loan and lease losses | $-113,000 | 8,488 |
| Total noninterest income | $1,568,000 | 1,617 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $390,000 | 2,167 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,178,000 | 1,244 |
| Total noninterest expense | $10,177,000 | 921 |
| Salaries and employee benefits | $6,374,000 | 788 |
| Premises and equipment expense | $1,350,000 | 963 |
| Additional noninterest expense | $2,453,000 | 1,138 |
| Pre-tax net operating income | $-846,000 | 8,418 |
| Securities gains (losses) | $-63,000 | 8,341 |
| Applicable income taxes | $-425,000 | 8,529 |
| Income before extraordinary items | $-484,000 | 8,325 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-484,000 | 8,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $690,000 | 576 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-443,680 | 8,291 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,827,000 | 978 |
| Total interest expense | $7,091,000 | 690 |
| Net interest income | $3,736,000 | 1,540 |
| Provision for loan and lease losses | $267,000 | 912 |
| Total noninterest income | $623,000 | 1,891 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $175,000 | 2,297 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $448,000 | 1,476 |
| Total noninterest expense | $4,840,000 | 969 |
| Salaries and employee benefits | $3,042,000 | 834 |
| Premises and equipment expense | $672,000 | 978 |
| Additional noninterest expense | $1,126,000 | 1,211 |
| Pre-tax net operating income | $-748,000 | 8,567 |
| Securities gains (losses) | $-56,000 | 8,504 |
| Applicable income taxes | $-340,000 | 8,593 |
| Income before extraordinary items | $-464,000 | 8,521 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-464,000 | 8,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 1,199 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-428,160 | 8,503 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $41,963,000 | 926 |
| Total interest expense | $27,683,000 | 621 |
| Net interest income | $14,280,000 | 1,606 |
| Provision for loan and lease losses | $1,030,000 | 1,017 |
| Total noninterest income | $1,957,000 | 2,264 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $654,000 | 2,512 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,303,000 | 1,837 |
| Total noninterest expense | $17,414,000 | 1,037 |
| Salaries and employee benefits | $10,687,000 | 899 |
| Premises and equipment expense | $2,268,000 | 1,129 |
| Additional noninterest expense | $4,459,000 | 1,197 |
| Pre-tax net operating income | $-2,207,000 | 8,594 |
| Securities gains (losses) | $-460,000 | 8,505 |
| Applicable income taxes | $-1,248,000 | 8,639 |
| Income before extraordinary items | $-1,419,000 | 8,543 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,419,000 | 8,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,501 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-1,124,600 | 8,477 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $31,413,000 | 935 |
| Total interest expense | $20,697,000 | 614 |
| Net interest income | $10,716,000 | 1,620 |
| Provision for loan and lease losses | $587,000 | 1,231 |
| Total noninterest income | $1,420,000 | 2,316 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $480,000 | 2,567 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $940,000 | 1,902 |
| Total noninterest expense | $12,508,000 | 1,085 |
| Salaries and employee benefits | $7,620,000 | 957 |
| Premises and equipment expense | $1,635,000 | 1,185 |
| Additional noninterest expense | $3,253,000 | 1,232 |
| Pre-tax net operating income | $-959,000 | 8,576 |
| Securities gains (losses) | $-460,000 | 8,617 |
| Applicable income taxes | $-790,000 | 8,712 |
| Income before extraordinary items | $-629,000 | 8,512 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-629,000 | 8,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,056 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-334,600 | 8,391 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $20,577,000 | 933 |
| Total interest expense | $13,284,000 | 606 |
| Net interest income | $7,293,000 | 1,588 |
| Provision for loan and lease losses | $558,000 | 893 |
| Total noninterest income | $891,000 | 2,415 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $295,000 | 2,694 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $596,000 | 1,971 |
| Total noninterest expense | $8,135,000 | 1,118 |
| Salaries and employee benefits | $4,926,000 | 996 |
| Premises and equipment expense | $1,061,000 | 1,220 |
| Additional noninterest expense | $2,148,000 | 1,260 |
| Pre-tax net operating income | $-509,000 | 8,567 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-389,000 | 8,732 |
| Income before extraordinary items | $-120,000 | 8,361 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-120,000 | 8,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 1,738 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-120,000 | 8,361 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,795,000 | 953 |
| Total interest expense | $6,118,000 | 615 |
| Net interest income | $3,677,000 | 1,555 |
| Provision for loan and lease losses | $239,000 | 977 |
| Total noninterest income | $408,000 | 2,520 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $134,000 | 2,842 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $274,000 | 2,064 |
| Total noninterest expense | $3,872,000 | 1,176 |
| Salaries and employee benefits | $2,324,000 | 1,057 |
| Premises and equipment expense | $514,000 | 1,267 |
| Additional noninterest expense | $1,034,000 | 1,281 |
| Pre-tax net operating income | $-26,000 | 8,306 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-107,000 | 8,699 |
| Income before extraordinary items | $81,000 | 7,037 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $81,000 | 7,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,147 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $81,000 | 7,041 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $34,286,000 | 958 |
| Total interest expense | $19,473,000 | 594 |
| Net interest income | $14,813,000 | 1,479 |
| Provision for loan and lease losses | $934,000 | 1,116 |
| Total noninterest income | $1,033,000 | 3,475 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $433,000 | 3,366 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $600,000 | 3,055 |
| Total noninterest expense | $12,677,000 | 1,356 |
| Salaries and employee benefits | $7,419,000 | 1,244 |
| Premises and equipment expense | $1,860,000 | 1,320 |
| Additional noninterest expense | $3,398,000 | 1,490 |
| Pre-tax net operating income | $2,235,000 | 3,419 |
| Securities gains (losses) | $-3,027,000 | 8,790 |
| Applicable income taxes | $-755,000 | 8,789 |
| Income before extraordinary items | $-37,000 | 8,321 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-37,000 | 8,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,136 |
| Cash dividends | $1,300,000 | 2,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,900,280 | 3,192 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $25,158,000 | 953 |
| Total interest expense | $13,774,000 | 593 |
| Net interest income | $11,384,000 | 1,414 |
| Provision for loan and lease losses | $722,000 | 1,029 |
| Total noninterest income | $879,000 | 3,194 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $304,000 | 3,529 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $575,000 | 2,617 |
| Total noninterest expense | $9,558,000 | 1,345 |
| Salaries and employee benefits | $5,346,000 | 1,298 |
| Premises and equipment expense | $1,651,000 | 1,096 |
| Additional noninterest expense | $2,561,000 | 1,464 |
| Pre-tax net operating income | $1,983,000 | 3,084 |
| Securities gains (losses) | $120,000 | 604 |
| Applicable income taxes | $423,000 | 3,235 |
| Income before extraordinary items | $1,680,000 | 2,854 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,680,000 | 2,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,581 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,584,000 | 2,964 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $16,344,000 | 955 |
| Total interest expense | $8,609,000 | 592 |
| Net interest income | $7,735,000 | 1,376 |
| Provision for loan and lease losses | $506,000 | 957 |
| Total noninterest income | $541,000 | 3,334 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $190,000 | 3,623 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $351,000 | 2,768 |
| Total noninterest expense | $6,310,000 | 1,345 |
| Salaries and employee benefits | $3,470,000 | 1,317 |
| Premises and equipment expense | $1,104,000 | 1,079 |
| Additional noninterest expense | $1,736,000 | 1,438 |
| Pre-tax net operating income | $1,460,000 | 2,821 |
| Securities gains (losses) | $120,000 | 516 |
| Applicable income taxes | $371,000 | 2,730 |
| Income before extraordinary items | $1,209,000 | 2,636 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,209,000 | 2,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,271 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,116,600 | 2,794 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,868,000 | 970 |
| Total interest expense | $4,063,000 | 592 |
| Net interest income | $3,805,000 | 1,391 |
| Provision for loan and lease losses | $304,000 | 750 |
| Total noninterest income | $235,000 | 3,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $98,000 | 3,485 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $137,000 | 3,142 |
| Total noninterest expense | $3,128,000 | 1,361 |
| Salaries and employee benefits | $1,645,000 | 1,400 |
| Premises and equipment expense | $567,000 | 1,058 |
| Additional noninterest expense | $916,000 | 1,351 |
| Pre-tax net operating income | $608,000 | 3,190 |
| Securities gains (losses) | $119,000 | 342 |
| Applicable income taxes | $160,000 | 2,993 |
| Income before extraordinary items | $567,000 | 2,737 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $567,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,290 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $474,180 | 3,131 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $23,449,000 | 1,206 |
| Total interest expense | $10,012,000 | 816 |
| Net interest income | $13,437,000 | 1,505 |
| Provision for loan and lease losses | $301,000 | 2,893 |
| Total noninterest income | $716,000 | 4,330 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $324,000 | 4,141 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $392,000 | 3,756 |
| Total noninterest expense | $9,033,000 | 1,791 |
| Salaries and employee benefits | $5,023,000 | 1,755 |
| Premises and equipment expense | $1,324,000 | 1,743 |
| Additional noninterest expense | $2,686,000 | 1,819 |
| Pre-tax net operating income | $4,819,000 | 1,757 |
| Securities gains (losses) | $997,000 | 287 |
| Applicable income taxes | $1,970,000 | 1,293 |
| Income before extraordinary items | $3,846,000 | 1,669 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,846,000 | 1,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,099 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,187,980 | 1,917 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,128,000 | 1,297 |
| Total interest expense | $6,303,000 | 950 |
| Net interest income | $9,825,000 | 1,535 |
| Provision for loan and lease losses | $211,000 | 2,898 |
| Total noninterest income | $432,000 | 4,942 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $277,000 | 3,853 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $155,000 | 5,055 |
| Total noninterest expense | $6,604,000 | 1,828 |
| Salaries and employee benefits | $3,506,000 | 1,857 |
| Premises and equipment expense | $958,000 | 1,806 |
| Additional noninterest expense | $2,140,000 | 1,688 |
| Pre-tax net operating income | $3,442,000 | 1,824 |
| Securities gains (losses) | $879,000 | 294 |
| Applicable income taxes | $1,636,000 | 1,192 |
| Income before extraordinary items | $2,685,000 | 1,789 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,685,000 | 1,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $400,000 | 3,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,122,440 | 2,147 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,710,000 | 1,460 |
| Total interest expense | $3,514,000 | 1,121 |
| Net interest income | $6,196,000 | 1,609 |
| Provision for loan and lease losses | $94,000 | 3,595 |
| Total noninterest income | $281,000 | 4,988 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $180,000 | 3,909 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $101,000 | 5,138 |
| Total noninterest expense | $4,303,000 | 1,859 |
| Salaries and employee benefits | $2,233,000 | 1,951 |
| Premises and equipment expense | $593,000 | 1,929 |
| Additional noninterest expense | $1,477,000 | 1,627 |
| Pre-tax net operating income | $2,080,000 | 1,980 |
| Securities gains (losses) | $170,000 | 722 |
| Applicable income taxes | $849,000 | 1,460 |
| Income before extraordinary items | $1,401,000 | 2,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,401,000 | 2,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $400,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,292,200 | 2,299 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,678,000 | 1,516 |
| Total interest expense | $1,780,000 | 1,125 |
| Net interest income | $2,898,000 | 1,722 |
| Provision for loan and lease losses | $-69,000 | 9,016 |
| Total noninterest income | $128,000 | 5,162 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $88,000 | 3,887 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $40,000 | 5,560 |
| Total noninterest expense | $2,158,000 | 1,858 |
| Salaries and employee benefits | $1,064,000 | 2,075 |
| Premises and equipment expense | $295,000 | 1,964 |
| Additional noninterest expense | $799,000 | 1,504 |
| Pre-tax net operating income | $937,000 | 2,128 |
| Securities gains (losses) | $184,000 | 532 |
| Applicable income taxes | $420,000 | 1,492 |
| Income before extraordinary items | $701,000 | 2,180 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $701,000 | 2,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $583,240 | 2,486 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,972,000 | 2,033 |
| Total interest expense | $6,179,000 | 1,438 |
| Net interest income | $7,793,000 | 2,479 |
| Provision for loan and lease losses | $440,000 | 2,407 |
| Total noninterest income | $536,000 | 5,242 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $259,000 | 4,671 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $277,000 | 4,662 |
| Total noninterest expense | $5,995,000 | 2,606 |
| Salaries and employee benefits | $2,946,000 | 2,809 |
| Premises and equipment expense | $946,000 | 2,379 |
| Additional noninterest expense | $2,103,000 | 2,300 |
| Pre-tax net operating income | $1,894,000 | 3,513 |
| Securities gains (losses) | $580,000 | 682 |
| Applicable income taxes | $1,070,000 | 2,088 |
| Income before extraordinary items | $1,404,000 | 3,724 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,404,000 | 3,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $132,000 | 5,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,032,800 | 4,386 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,799,000 | 2,218 |
| Total interest expense | $4,542,000 | 1,532 |
| Net interest income | $5,257,000 | 2,772 |
| Provision for loan and lease losses | $250,000 | 2,846 |
| Total noninterest income | $370,000 | 5,500 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $164,000 | 5,096 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $206,000 | 4,738 |
| Total noninterest expense | $4,327,000 | 2,694 |
| Salaries and employee benefits | $2,004,000 | 3,087 |
| Premises and equipment expense | $705,000 | 2,395 |
| Additional noninterest expense | $1,618,000 | 2,218 |
| Pre-tax net operating income | $1,050,000 | 4,420 |
| Securities gains (losses) | $489,000 | 697 |
| Applicable income taxes | $585,000 | 2,720 |
| Income before extraordinary items | $954,000 | 4,106 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $954,000 | 4,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $16,000 | 5,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $641,040 | 5,040 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,154,000 | 2,383 |
| Total interest expense | $2,974,000 | 1,628 |
| Net interest income | $3,180,000 | 3,010 |
| Provision for loan and lease losses | $153,000 | 2,974 |
| Total noninterest income | $243,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $88,000 | 5,550 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $155,000 | 4,517 |
| Total noninterest expense | $2,679,000 | 2,884 |
| Salaries and employee benefits | $1,205,000 | 3,350 |
| Premises and equipment expense | $449,000 | 2,486 |
| Additional noninterest expense | $1,025,000 | 2,312 |
| Pre-tax net operating income | $591,000 | 4,872 |
| Securities gains (losses) | $354,000 | 723 |
| Applicable income taxes | $369,000 | 2,854 |
| Income before extraordinary items | $576,000 | 4,405 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $576,000 | 4,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $349,440 | 5,528 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,908,000 | 2,520 |
| Total interest expense | $1,374,000 | 1,806 |
| Net interest income | $1,534,000 | 3,115 |
| Provision for loan and lease losses | $73,000 | 3,016 |
| Total noninterest income | $84,000 | 6,303 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 5,576 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $42,000 | 5,598 |
| Total noninterest expense | $1,340,000 | 2,862 |
| Salaries and employee benefits | $600,000 | 3,368 |
| Premises and equipment expense | $229,000 | 2,426 |
| Additional noninterest expense | $511,000 | 2,290 |
| Pre-tax net operating income | $205,000 | 5,783 |
| Securities gains (losses) | $16,000 | 2,005 |
| Applicable income taxes | $86,000 | 4,218 |
| Income before extraordinary items | $135,000 | 6,269 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $135,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $124,760 | 6,304 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,071,000 | 3,276 |
| Total interest expense | $4,692,000 | 2,369 |
| Net interest income | $4,379,000 | 4,079 |
| Provision for loan and lease losses | $471,000 | 2,500 |
| Total noninterest income | $224,000 | 7,076 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $133,000 | 6,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $91,000 | 6,629 |
| Total noninterest expense | $4,113,000 | 3,494 |
| Salaries and employee benefits | $2,089,000 | 3,604 |
| Premises and equipment expense | $676,000 | 3,091 |
| Additional noninterest expense | $1,348,000 | 3,254 |
| Pre-tax net operating income | $19,000 | 8,576 |
| Securities gains (losses) | $911,000 | 452 |
| Applicable income taxes | $62,000 | 6,379 |
| Income before extraordinary items | $868,000 | 4,978 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $868,000 | 4,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,379 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $4,717,000 | 171 |
| Net operating income | $20,770 | 8,577 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,455,000 | 5,993 |
| Total interest expense | $2,858,000 | 4,912 |
| Net interest income | $1,597,000 | 7,164 |
| Provision for loan and lease losses | $834,000 | 1,456 |
| Total noninterest income | $127,000 | 8,140 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $78,000 | 7,020 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $49,000 | 7,713 |
| Total noninterest expense | $2,888,000 | 4,465 |
| Salaries and employee benefits | $1,332,000 | 4,943 |
| Premises and equipment expense | $561,000 | 3,559 |
| Additional noninterest expense | $995,000 | 4,078 |
| Pre-tax net operating income | $-1,998,000 | 9,489 |
| Securities gains (losses) | $493,000 | 617 |
| Applicable income taxes | $-585,000 | 9,514 |
| Income before extraordinary items | $-920,000 | 9,398 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-920,000 | 9,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $3,232,000 | 245 |
| Net operating income | $-1,235,520 | 9,431 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,654,000 | 8,782 |
| Total interest expense | $893,000 | 8,449 |
| Net interest income | $761,000 | 8,987 |
| Provision for loan and lease losses | $92,000 | 5,481 |
| Total noninterest income | $32,000 | 9,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,218 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 9,477 |
| Total noninterest expense | $2,331,000 | 5,105 |
| Salaries and employee benefits | $985,000 | 5,979 |
| Premises and equipment expense | $319,000 | 5,237 |
| Additional noninterest expense | $1,027,000 | 3,908 |
| Pre-tax net operating income | $-1,630,000 | 9,802 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-550,000 | 9,795 |
| Income before extraordinary items | $-1,080,000 | 9,746 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,080,000 | 9,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-1,080,000 | 9,749 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $137,000 | 10,157 |
| Total interest expense | $12,000 | 10,167 |
| Net interest income | $125,000 | 10,130 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $0 | 10,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $714,000 | 8,991 |
| Salaries and employee benefits | $179,000 | 9,980 |
| Premises and equipment expense | $51,000 | 9,622 |
| Additional noninterest expense | $484,000 | 6,633 |
| Pre-tax net operating income | $-589,000 | 9,906 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-235,000 | 10,058 |
| Income before extraordinary items | $-354,000 | 9,813 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-354,000 | 9,813 |
| 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 | $10,675,000 | 67 |
| Net operating income | $-354,000 | 9,791 |
* 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.