Home > Guaranty Bank & Trust Company > Income and Expense
Guaranty Bank & Trust Company, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,617,000 | 4,180 |
| Total interest expense | $1,624,000 | 3,469 |
| Net interest income | $1,993,000 | 4,590 |
| Provision for loan and lease losses | $40,000 | 6,240 |
| Total noninterest income | $171,000 | 5,497 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $92,000 | 4,810 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $79,000 | 5,184 |
| Total noninterest expense | $1,949,000 | 4,454 |
| Salaries and employee benefits | $852,000 | 4,908 |
| Premises and equipment expense | $318,000 | 3,768 |
| Additional noninterest expense | $779,000 | 3,953 |
| Pre-tax net operating income | $175,000 | 4,788 |
| Securities gains (losses) | $-770,000 | 7,974 |
| Applicable income taxes | $-346,000 | 7,464 |
| Income before extraordinary items | $-249,000 | 6,464 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-249,000 | 6,463 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-249,000 | 6,463 |
| Net charge-offs | $75,000 | 4,536 |
| Cash dividends | $156,000 | 2,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $243,800 | 4,176 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,829,000 | 4,190 |
| Total interest expense | $829,000 | 3,531 |
| Net interest income | $1,000,000 | 4,575 |
| Provision for loan and lease losses | $20,000 | 5,880 |
| Total noninterest income | $84,000 | 5,504 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $39,000 | 5,065 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $45,000 | 5,014 |
| Total noninterest expense | $937,000 | 4,497 |
| Salaries and employee benefits | $432,000 | 4,918 |
| Premises and equipment expense | $159,000 | 3,817 |
| Additional noninterest expense | $346,000 | 3,993 |
| Pre-tax net operating income | $127,000 | 4,734 |
| Securities gains (losses) | $-644,000 | 8,117 |
| Applicable income taxes | $-287,000 | 7,781 |
| Income before extraordinary items | $-230,000 | 7,083 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-230,000 | 7,084 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-230,000 | 7,084 |
| Net charge-offs | $20,000 | 4,311 |
| Cash dividends | $110,000 | 2,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $182,160 | 3,875 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,437,000 | 3,991 |
| Total interest expense | $3,806,000 | 3,639 |
| Net interest income | $4,631,000 | 4,153 |
| Provision for loan and lease losses | $220,000 | 5,097 |
| Total noninterest income | $394,000 | 5,309 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $203,000 | 4,757 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $191,000 | 4,919 |
| Total noninterest expense | $4,031,000 | 4,216 |
| Salaries and employee benefits | $1,762,000 | 4,860 |
| Premises and equipment expense | $704,000 | 3,493 |
| Additional noninterest expense | $1,565,000 | 3,512 |
| Pre-tax net operating income | $774,000 | 4,225 |
| Securities gains (losses) | $-867,000 | 7,691 |
| Applicable income taxes | $-205,000 | 7,228 |
| Income before extraordinary items | $112,000 | 5,816 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $112,000 | 5,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 4,594 |
| Cash dividends | $337,000 | 3,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $666,880 | 4,165 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,428,000 | 4,001 |
| Total interest expense | $2,928,000 | 3,681 |
| Net interest income | $3,500,000 | 4,160 |
| Provision for loan and lease losses | $170,000 | 4,457 |
| Total noninterest income | $285,000 | 5,464 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $144,000 | 4,908 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $141,000 | 5,046 |
| Total noninterest expense | $3,016,000 | 4,200 |
| Salaries and employee benefits | $1,332,000 | 4,833 |
| Premises and equipment expense | $569,000 | 3,321 |
| Additional noninterest expense | $1,115,000 | 3,574 |
| Pre-tax net operating income | $599,000 | 4,652 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $135,000 | 3,318 |
| Income before extraordinary items | $464,000 | 4,572 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $464,000 | 4,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,737 |
| Cash dividends | $207,000 | 3,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $464,000 | 4,718 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,321,000 | 4,036 |
| Total interest expense | $1,996,000 | 3,752 |
| Net interest income | $2,325,000 | 4,169 |
| Provision for loan and lease losses | $100,000 | 4,246 |
| Total noninterest income | $178,000 | 5,676 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $95,000 | 4,924 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $83,000 | 5,358 |
| Total noninterest expense | $2,032,000 | 4,187 |
| Salaries and employee benefits | $903,000 | 4,836 |
| Premises and equipment expense | $367,000 | 3,441 |
| Additional noninterest expense | $762,000 | 3,478 |
| Pre-tax net operating income | $371,000 | 4,925 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $27,000 | 4,494 |
| Income before extraordinary items | $344,000 | 4,766 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $344,000 | 4,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,165 |
| Cash dividends | $144,000 | 3,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $344,000 | 4,709 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,256,000 | 3,997 |
| Total interest expense | $1,051,000 | 3,783 |
| Net interest income | $1,205,000 | 4,093 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $92,000 | 5,603 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $45,000 | 5,006 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $47,000 | 5,178 |
| Total noninterest expense | $1,000,000 | 4,228 |
| Salaries and employee benefits | $454,000 | 4,860 |
| Premises and equipment expense | $173,000 | 3,598 |
| Additional noninterest expense | $373,000 | 3,493 |
| Pre-tax net operating income | $267,000 | 4,406 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $107,000 | 2,705 |
| Income before extraordinary items | $160,000 | 5,115 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $160,000 | 5,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,415 |
| Cash dividends | $83,000 | 3,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $160,000 | 5,007 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,591,000 | 3,869 |
| Total interest expense | $4,536,000 | 3,698 |
| Net interest income | $5,055,000 | 3,970 |
| Provision for loan and lease losses | $210,000 | 3,778 |
| Total noninterest income | $427,000 | 5,362 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $174,000 | 5,166 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $253,000 | 4,560 |
| Total noninterest expense | $4,170,000 | 3,984 |
| Salaries and employee benefits | $1,816,000 | 4,722 |
| Premises and equipment expense | $748,000 | 3,261 |
| Additional noninterest expense | $1,606,000 | 3,232 |
| Pre-tax net operating income | $1,102,000 | 4,539 |
| Securities gains (losses) | $-131,000 | 8,198 |
| Applicable income taxes | $306,000 | 3,361 |
| Income before extraordinary items | $665,000 | 5,157 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $665,000 | 5,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 1,712 |
| Cash dividends | $266,000 | 4,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $754,080 | 4,886 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,152,000 | 3,906 |
| Total interest expense | $3,295,000 | 3,782 |
| Net interest income | $3,857,000 | 3,921 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $362,000 | 5,126 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $126,000 | 5,253 |
| Trading account gains and fees | $47,000 | 141 |
| Additional Noninterest Income | $189,000 | 4,597 |
| Total noninterest expense | $3,175,000 | 3,928 |
| Salaries and employee benefits | $1,365,000 | 4,670 |
| Premises and equipment expense | $559,000 | 3,252 |
| Additional noninterest expense | $1,251,000 | 3,072 |
| Pre-tax net operating income | $909,000 | 4,573 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $343,000 | 3,007 |
| Income before extraordinary items | $566,000 | 5,130 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $566,000 | 5,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,576 |
| Cash dividends | $266,000 | 3,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $566,000 | 5,121 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,670,000 | 3,971 |
| Total interest expense | $2,141,000 | 3,853 |
| Net interest income | $2,529,000 | 3,996 |
| Provision for loan and lease losses | $75,000 | 3,728 |
| Total noninterest income | $224,000 | 5,345 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $87,000 | 5,207 |
| Trading account gains and fees | $-6,000 | 8,545 |
| Additional Noninterest Income | $143,000 | 4,411 |
| Total noninterest expense | $2,134,000 | 3,931 |
| Salaries and employee benefits | $928,000 | 4,653 |
| Premises and equipment expense | $374,000 | 3,262 |
| Additional noninterest expense | $832,000 | 3,093 |
| Pre-tax net operating income | $544,000 | 4,881 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $208,000 | 3,213 |
| Income before extraordinary items | $336,000 | 5,414 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $336,000 | 5,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $177,000 | 3,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $336,000 | 5,405 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,276,000 | 4,042 |
| Total interest expense | $1,032,000 | 3,934 |
| Net interest income | $1,244,000 | 4,046 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $123,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $45,000 | 5,093 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $78,000 | 4,266 |
| Total noninterest expense | $1,076,000 | 3,907 |
| Salaries and employee benefits | $473,000 | 4,615 |
| Premises and equipment expense | $185,000 | 3,320 |
| Additional noninterest expense | $418,000 | 3,054 |
| Pre-tax net operating income | $261,000 | 4,966 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $105,000 | 3,204 |
| Income before extraordinary items | $156,000 | 5,573 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $156,000 | 5,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $88,000 | 3,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $156,000 | 5,557 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,444,000 | 4,056 |
| Total interest expense | $3,524,000 | 3,893 |
| Net interest income | $4,920,000 | 4,051 |
| Provision for loan and lease losses | $153,000 | 4,016 |
| Total noninterest income | $476,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $185,000 | 5,138 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $291,000 | 4,363 |
| Total noninterest expense | $4,189,000 | 3,854 |
| Salaries and employee benefits | $1,876,000 | 4,489 |
| Premises and equipment expense | $720,000 | 3,267 |
| Additional noninterest expense | $1,593,000 | 3,137 |
| Pre-tax net operating income | $1,054,000 | 5,076 |
| Securities gains (losses) | $-78,000 | 8,105 |
| Applicable income taxes | $323,000 | 3,709 |
| Income before extraordinary items | $653,000 | 5,642 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $653,000 | 5,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,976 |
| Cash dividends | $251,000 | 4,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $705,260 | 5,484 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,194,000 | 4,086 |
| Total interest expense | $2,567,000 | 3,886 |
| Net interest income | $3,627,000 | 4,133 |
| Provision for loan and lease losses | $147,000 | 3,454 |
| Total noninterest income | $334,000 | 5,406 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $138,000 | 5,198 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $196,000 | 4,573 |
| Total noninterest expense | $3,106,000 | 3,880 |
| Salaries and employee benefits | $1,378,000 | 4,526 |
| Premises and equipment expense | $522,000 | 3,349 |
| Additional noninterest expense | $1,206,000 | 3,119 |
| Pre-tax net operating income | $708,000 | 5,499 |
| Securities gains (losses) | $-29,000 | 7,976 |
| Applicable income taxes | $238,000 | 3,915 |
| Income before extraordinary items | $441,000 | 6,029 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $441,000 | 6,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,183 |
| Cash dividends | $78,000 | 4,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $459,850 | 5,947 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,007,000 | 4,120 |
| Total interest expense | $1,618,000 | 3,926 |
| Net interest income | $2,389,000 | 4,175 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $213,000 | 5,497 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $86,000 | 5,323 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $127,000 | 4,635 |
| Total noninterest expense | $2,009,000 | 3,995 |
| Salaries and employee benefits | $912,000 | 4,573 |
| Premises and equipment expense | $321,000 | 3,570 |
| Additional noninterest expense | $776,000 | 3,220 |
| Pre-tax net operating income | $473,000 | 5,529 |
| Securities gains (losses) | $-29,000 | 8,210 |
| Applicable income taxes | $130,000 | 4,209 |
| Income before extraordinary items | $314,000 | 5,909 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $314,000 | 5,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,631 |
| Cash dividends | $78,000 | 4,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $334,590 | 5,784 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,923,000 | 4,193 |
| Total interest expense | $757,000 | 3,971 |
| Net interest income | $1,166,000 | 4,240 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $106,000 | 5,470 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $45,000 | 5,172 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $935,000 | 4,197 |
| Salaries and employee benefits | $432,000 | 4,778 |
| Premises and equipment expense | $141,000 | 3,962 |
| Additional noninterest expense | $362,000 | 3,376 |
| Pre-tax net operating income | $277,000 | 5,136 |
| Securities gains (losses) | $-29,000 | 8,457 |
| Applicable income taxes | $95,000 | 3,663 |
| Income before extraordinary items | $153,000 | 5,915 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $171,560 | 5,660 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,077,000 | 4,115 |
| Total interest expense | $2,468,000 | 3,855 |
| Net interest income | $4,609,000 | 4,190 |
| Provision for loan and lease losses | $315,000 | 2,721 |
| Total noninterest income | $493,000 | 5,269 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $179,000 | 5,271 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $314,000 | 4,239 |
| Total noninterest expense | $3,392,000 | 4,397 |
| Salaries and employee benefits | $1,538,000 | 4,965 |
| Premises and equipment expense | $543,000 | 3,943 |
| Additional noninterest expense | $1,311,000 | 3,590 |
| Pre-tax net operating income | $1,395,000 | 4,549 |
| Securities gains (losses) | $-59,000 | 8,247 |
| Applicable income taxes | $370,000 | 3,826 |
| Income before extraordinary items | $966,000 | 4,913 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $966,000 | 4,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,016 |
| Cash dividends | $324,000 | 4,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,008,480 | 4,791 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,170,000 | 4,135 |
| Total interest expense | $1,759,000 | 3,869 |
| Net interest income | $3,411,000 | 4,223 |
| Provision for loan and lease losses | $255,000 | 2,510 |
| Total noninterest income | $336,000 | 5,516 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $127,000 | 5,420 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $209,000 | 4,520 |
| Total noninterest expense | $2,487,000 | 4,439 |
| Salaries and employee benefits | $1,096,000 | 5,110 |
| Premises and equipment expense | $415,000 | 3,864 |
| Additional noninterest expense | $976,000 | 3,573 |
| Pre-tax net operating income | $1,005,000 | 4,758 |
| Securities gains (losses) | $-41,000 | 8,407 |
| Applicable income taxes | $205,000 | 4,378 |
| Income before extraordinary items | $759,000 | 4,893 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $759,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,486 |
| Cash dividends | $250,000 | 3,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $791,390 | 4,759 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,344,000 | 4,166 |
| Total interest expense | $1,122,000 | 3,808 |
| Net interest income | $2,222,000 | 4,274 |
| Provision for loan and lease losses | $165,000 | 2,477 |
| Total noninterest income | $224,000 | 5,488 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $88,000 | 5,294 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $136,000 | 4,526 |
| Total noninterest expense | $1,631,000 | 4,477 |
| Salaries and employee benefits | $720,000 | 5,152 |
| Premises and equipment expense | $273,000 | 3,893 |
| Additional noninterest expense | $638,000 | 3,622 |
| Pre-tax net operating income | $650,000 | 4,799 |
| Securities gains (losses) | $-41,000 | 8,545 |
| Applicable income taxes | $154,000 | 4,209 |
| Income before extraordinary items | $455,000 | 5,124 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $455,000 | 5,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,209 |
| Cash dividends | $175,000 | 3,669 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $485,750 | 4,909 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,634,000 | 4,211 |
| Total interest expense | $551,000 | 3,751 |
| Net interest income | $1,083,000 | 4,373 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $78,000 | 6,223 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $44,000 | 5,270 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $801,000 | 4,554 |
| Salaries and employee benefits | $350,000 | 5,290 |
| Premises and equipment expense | $126,000 | 4,172 |
| Additional noninterest expense | $325,000 | 3,571 |
| Pre-tax net operating income | $285,000 | 5,127 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $68,000 | 4,330 |
| Income before extraordinary items | $217,000 | 5,207 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $217,000 | 5,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $217,000 | 5,177 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,978,000 | 4,280 |
| Total interest expense | $1,945,000 | 3,733 |
| Net interest income | $4,033,000 | 4,456 |
| Provision for loan and lease losses | $310,000 | 2,840 |
| Total noninterest income | $375,000 | 5,930 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $182,000 | 5,412 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $193,000 | 5,178 |
| Total noninterest expense | $3,132,000 | 4,529 |
| Salaries and employee benefits | $1,269,000 | 5,524 |
| Premises and equipment expense | $478,000 | 4,237 |
| Additional noninterest expense | $1,385,000 | 3,333 |
| Pre-tax net operating income | $966,000 | 5,325 |
| Securities gains (losses) | $-6,000 | 8,098 |
| Applicable income taxes | $332,000 | 4,020 |
| Income before extraordinary items | $628,000 | 5,852 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $628,000 | 5,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,933 |
| Cash dividends | $199,000 | 4,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $631,900 | 5,763 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,444,000 | 4,280 |
| Total interest expense | $1,427,000 | 3,755 |
| Net interest income | $3,017,000 | 4,450 |
| Provision for loan and lease losses | $235,000 | 2,682 |
| Total noninterest income | $185,000 | 6,827 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $129,000 | 5,574 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $56,000 | 6,899 |
| Total noninterest expense | $2,362,000 | 4,480 |
| Salaries and employee benefits | $963,000 | 5,445 |
| Premises and equipment expense | $364,000 | 4,176 |
| Additional noninterest expense | $1,035,000 | 3,325 |
| Pre-tax net operating income | $605,000 | 5,883 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $233,000 | 4,212 |
| Income before extraordinary items | $373,000 | 6,469 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $373,000 | 6,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $94,000 | 4,687 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $372,360 | 6,404 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,916,000 | 4,339 |
| Total interest expense | $957,000 | 3,737 |
| Net interest income | $1,959,000 | 4,539 |
| Provision for loan and lease losses | $160,000 | 2,593 |
| Total noninterest income | $118,000 | 6,927 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $83,000 | 5,648 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $35,000 | 7,019 |
| Total noninterest expense | $1,595,000 | 4,459 |
| Salaries and employee benefits | $644,000 | 5,477 |
| Premises and equipment expense | $242,000 | 4,170 |
| Additional noninterest expense | $709,000 | 3,265 |
| Pre-tax net operating income | $322,000 | 6,362 |
| Securities gains (losses) | $6,000 | 2,670 |
| Applicable income taxes | $122,000 | 4,582 |
| Income before extraordinary items | $206,000 | 6,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $206,000 | 6,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,480 |
| Cash dividends | $94,000 | 4,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $202,160 | 6,800 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,467,000 | 4,337 |
| Total interest expense | $494,000 | 3,683 |
| Net interest income | $973,000 | 4,569 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $63,000 | 6,769 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $43,000 | 5,527 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $20,000 | 6,798 |
| Total noninterest expense | $762,000 | 4,636 |
| Salaries and employee benefits | $323,000 | 5,499 |
| Premises and equipment expense | $124,000 | 4,137 |
| Additional noninterest expense | $315,000 | 3,601 |
| Pre-tax net operating income | $154,000 | 6,389 |
| Securities gains (losses) | $14,000 | 1,880 |
| Applicable income taxes | $60,000 | 4,582 |
| Income before extraordinary items | $108,000 | 6,727 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $108,000 | 6,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,391 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $99,040 | 6,797 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,672,000 | 4,461 |
| Total interest expense | $2,018,000 | 4,003 |
| Net interest income | $3,654,000 | 4,654 |
| Provision for loan and lease losses | $540,000 | 2,029 |
| Total noninterest income | $220,000 | 7,182 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $145,000 | 5,925 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $75,000 | 6,981 |
| Total noninterest expense | $2,724,000 | 4,915 |
| Salaries and employee benefits | $1,193,000 | 5,661 |
| Premises and equipment expense | $415,000 | 4,612 |
| Additional noninterest expense | $1,116,000 | 3,938 |
| Pre-tax net operating income | $610,000 | 6,303 |
| Securities gains (losses) | $-7,000 | 8,734 |
| Applicable income taxes | $185,000 | 5,034 |
| Income before extraordinary items | $418,000 | 6,725 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $418,000 | 6,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $487,000 | 1,640 |
| Cash dividends | $285,000 | 4,462 |
| Sale, conversion, retirement of capital stock, net | $4,014,000 | 227 |
| Net operating income | $422,830 | 6,539 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,206,000 | 4,564 |
| Total interest expense | $1,539,000 | 4,056 |
| Net interest income | $2,667,000 | 4,754 |
| Provision for loan and lease losses | $390,000 | 2,061 |
| Total noninterest income | $143,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $98,000 | 6,163 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $45,000 | 7,365 |
| Total noninterest expense | $2,076,000 | 4,860 |
| Salaries and employee benefits | $892,000 | 5,624 |
| Premises and equipment expense | $310,000 | 4,612 |
| Additional noninterest expense | $874,000 | 3,792 |
| Pre-tax net operating income | $344,000 | 6,973 |
| Securities gains (losses) | $-3,000 | 8,827 |
| Applicable income taxes | $55,000 | 6,135 |
| Income before extraordinary items | $286,000 | 7,030 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $286,000 | 7,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 1,567 |
| Cash dividends | $240,000 | 3,794 |
| Sale, conversion, retirement of capital stock, net | $4,014,000 | 148 |
| Net operating income | $288,520 | 6,843 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,779,000 | 4,632 |
| Total interest expense | $1,038,000 | 4,124 |
| Net interest income | $1,741,000 | 4,823 |
| Provision for loan and lease losses | $255,000 | 2,092 |
| Total noninterest income | $91,000 | 7,553 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $66,000 | 6,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $25,000 | 7,564 |
| Total noninterest expense | $1,377,000 | 4,877 |
| Salaries and employee benefits | $596,000 | 5,635 |
| Premises and equipment expense | $199,000 | 4,721 |
| Additional noninterest expense | $582,000 | 3,788 |
| Pre-tax net operating income | $200,000 | 7,216 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $24,000 | 6,488 |
| Income before extraordinary items | $176,000 | 7,201 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $176,000 | 7,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $49,000 | 4,786 |
| Sale, conversion, retirement of capital stock, net | $4,014,000 | 96 |
| Net operating income | $176,000 | 7,020 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,379,000 | 4,674 |
| Total interest expense | $526,000 | 4,176 |
| Net interest income | $853,000 | 4,863 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $48,000 | 7,431 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $685,000 | 4,869 |
| Salaries and employee benefits | $297,000 | 5,656 |
| Premises and equipment expense | $98,000 | 4,773 |
| Additional noninterest expense | $290,000 | 3,754 |
| Pre-tax net operating income | $96,000 | 7,255 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $16,000 | 6,250 |
| Income before extraordinary items | $80,000 | 7,286 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $80,000 | 7,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $80,000 | 7,135 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,621,000 | 4,762 |
| Total interest expense | $2,421,000 | 4,210 |
| Net interest income | $3,200,000 | 5,081 |
| Provision for loan and lease losses | $480,000 | 2,438 |
| Total noninterest income | $186,000 | 7,458 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $115,000 | 6,322 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 7,051 |
| Total noninterest expense | $2,369,000 | 5,270 |
| Salaries and employee benefits | $1,006,000 | 6,126 |
| Premises and equipment expense | $394,000 | 4,704 |
| Additional noninterest expense | $969,000 | 4,281 |
| Pre-tax net operating income | $537,000 | 6,623 |
| Securities gains (losses) | $83,000 | 1,920 |
| Applicable income taxes | $219,000 | 4,983 |
| Income before extraordinary items | $401,000 | 6,842 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $401,000 | 6,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,297 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $347,050 | 6,970 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,404,000 | 5,347 |
| Total interest expense | $3,043,000 | 4,677 |
| Net interest income | $2,361,000 | 5,912 |
| Provision for loan and lease losses | $306,000 | 3,156 |
| Total noninterest income | $136,000 | 8,019 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $80,000 | 6,973 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $56,000 | 7,506 |
| Total noninterest expense | $2,154,000 | 5,463 |
| Salaries and employee benefits | $892,000 | 6,405 |
| Premises and equipment expense | $399,000 | 4,608 |
| Additional noninterest expense | $863,000 | 4,532 |
| Pre-tax net operating income | $37,000 | 8,585 |
| Securities gains (losses) | $53,000 | 2,288 |
| Applicable income taxes | $43,000 | 6,831 |
| Income before extraordinary items | $47,000 | 8,627 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $47,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,124 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $13,080 | 8,676 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,540,000 | 6,881 |
| Total interest expense | $2,079,000 | 6,155 |
| Net interest income | $1,461,000 | 7,521 |
| Provision for loan and lease losses | $198,000 | 3,793 |
| Total noninterest income | $64,000 | 9,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 7,500 |
| Total noninterest expense | $1,786,000 | 6,084 |
| Salaries and employee benefits | $713,000 | 7,138 |
| Premises and equipment expense | $346,000 | 4,972 |
| Additional noninterest expense | $727,000 | 5,048 |
| Pre-tax net operating income | $-459,000 | 9,511 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-181,000 | 9,680 |
| Income before extraordinary items | $-278,000 | 9,433 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-278,000 | 9,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-278,000 | 9,431 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,026,000 | 9,594 |
| Total interest expense | $505,000 | 9,429 |
| Net interest income | $521,000 | 9,648 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $14,000 | 10,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 8,692 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $1,205,000 | 7,554 |
| Salaries and employee benefits | $444,000 | 8,655 |
| Premises and equipment expense | $125,000 | 8,129 |
| Additional noninterest expense | $636,000 | 5,608 |
| Pre-tax net operating income | $-740,000 | 9,982 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-314,000 | 10,095 |
| Income before extraordinary items | $-426,000 | 9,861 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-426,000 | 9,858 |
| 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 | $7,000,000 | 154 |
| Net operating income | $-426,000 | 9,840 |
* 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.