Home > Haven Trust Bank > Income and Expense
Haven Trust Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $21,739,000 | 1,359 |
| Total interest expense | $15,768,000 | 782 |
| Net interest income | $5,971,000 | 2,736 |
| Provision for loan and lease losses | $11,750,000 | 359 |
| Total noninterest income | $2,094,000 | 1,710 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $244,000 | 3,909 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,850,000 | 1,173 |
| Total noninterest expense | $9,927,000 | 1,464 |
| Salaries and employee benefits | $4,658,000 | 1,667 |
| Premises and equipment expense | $1,158,000 | 1,777 |
| Additional noninterest expense | $4,111,000 | 1,120 |
| Pre-tax net operating income | $-13,612,000 | 8,253 |
| Securities gains (losses) | $-35,000 | 7,453 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-13,647,000 | 8,248 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-13,647,000 | 8,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,405,000 | 378 |
| Cash dividends | $947,000 | 1,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-13,612,000 | 8,271 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,302,000 | 1,305 |
| Total interest expense | $10,494,000 | 809 |
| Net interest income | $4,808,000 | 2,295 |
| Provision for loan and lease losses | $1,350,000 | 1,016 |
| Total noninterest income | $1,457,000 | 1,688 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $162,000 | 3,906 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,295,000 | 1,174 |
| Total noninterest expense | $6,074,000 | 1,603 |
| Salaries and employee benefits | $3,046,000 | 1,713 |
| Premises and equipment expense | $759,000 | 1,805 |
| Additional noninterest expense | $2,269,000 | 1,306 |
| Pre-tax net operating income | $-1,159,000 | 7,985 |
| Securities gains (losses) | $-20,000 | 8,179 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,179,000 | 8,062 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,179,000 | 8,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 1,666 |
| Cash dividends | $835,000 | 1,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,159,000 | 8,043 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,064,000 | 1,261 |
| Total interest expense | $5,438,000 | 834 |
| Net interest income | $2,626,000 | 2,117 |
| Provision for loan and lease losses | $400,000 | 1,144 |
| Total noninterest income | $771,000 | 1,607 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $77,000 | 3,952 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $694,000 | 1,127 |
| Total noninterest expense | $2,920,000 | 1,662 |
| Salaries and employee benefits | $1,436,000 | 1,829 |
| Premises and equipment expense | $376,000 | 1,817 |
| Additional noninterest expense | $1,108,000 | 1,296 |
| Pre-tax net operating income | $77,000 | 6,284 |
| Securities gains (losses) | $-5,000 | 8,275 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $72,000 | 6,243 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $72,000 | 6,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,919 |
| Cash dividends | $392,000 | 1,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $77,000 | 6,078 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $33,558,000 | 1,259 |
| Total interest expense | $18,163,000 | 1,080 |
| Net interest income | $15,395,000 | 1,470 |
| Provision for loan and lease losses | $1,100,000 | 1,324 |
| Total noninterest income | $2,558,000 | 1,853 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $255,000 | 4,417 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,303,000 | 1,243 |
| Total noninterest expense | $11,279,000 | 1,634 |
| Salaries and employee benefits | $5,771,000 | 1,747 |
| Premises and equipment expense | $1,208,000 | 2,151 |
| Additional noninterest expense | $4,300,000 | 1,308 |
| Pre-tax net operating income | $5,574,000 | 1,500 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $5,574,000 | 1,156 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,574,000 | 1,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $554,000 | 1,572 |
| Cash dividends | $3,612,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $5,574,000 | 1,143 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,663,000 | 1,292 |
| Total interest expense | $12,936,000 | 1,138 |
| Net interest income | $11,727,000 | 1,440 |
| Provision for loan and lease losses | $525,000 | 1,503 |
| Total noninterest income | $2,008,000 | 1,780 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $174,000 | 4,635 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,834,000 | 1,193 |
| Total noninterest expense | $7,831,000 | 1,758 |
| Salaries and employee benefits | $4,203,000 | 1,800 |
| Premises and equipment expense | $849,000 | 2,278 |
| Additional noninterest expense | $2,779,000 | 1,462 |
| Pre-tax net operating income | $5,379,000 | 1,267 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $5,379,000 | 966 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,379,000 | 964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,520 |
| Cash dividends | $2,867,000 | 912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,379,000 | 955 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,063,000 | 1,333 |
| Total interest expense | $8,370,000 | 1,187 |
| Net interest income | $7,693,000 | 1,489 |
| Provision for loan and lease losses | $275,000 | 1,664 |
| Total noninterest income | $1,410,000 | 1,749 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $112,000 | 4,712 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,298,000 | 1,167 |
| Total noninterest expense | $5,053,000 | 1,824 |
| Salaries and employee benefits | $2,809,000 | 1,831 |
| Premises and equipment expense | $536,000 | 2,406 |
| Additional noninterest expense | $1,708,000 | 1,586 |
| Pre-tax net operating income | $3,775,000 | 1,255 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $3,775,000 | 955 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,775,000 | 954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 1,785 |
| Cash dividends | $1,635,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,775,000 | 941 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,755,000 | 1,386 |
| Total interest expense | $4,025,000 | 1,225 |
| Net interest income | $3,730,000 | 1,546 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $920,000 | 1,389 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $57,000 | 4,628 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $863,000 | 946 |
| Total noninterest expense | $2,460,000 | 1,877 |
| Salaries and employee benefits | $1,334,000 | 1,926 |
| Premises and equipment expense | $259,000 | 2,501 |
| Additional noninterest expense | $867,000 | 1,538 |
| Pre-tax net operating income | $2,140,000 | 1,090 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $2,140,000 | 835 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,140,000 | 834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,343 |
| Cash dividends | $725,000 | 1,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,140,000 | 826 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,065,000 | 1,530 |
| Total interest expense | $12,160,000 | 1,376 |
| Net interest income | $13,905,000 | 1,647 |
| Provision for loan and lease losses | $925,000 | 1,114 |
| Total noninterest income | $2,669,000 | 1,787 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $217,000 | 4,808 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,452,000 | 1,153 |
| Total noninterest expense | $8,129,000 | 2,176 |
| Salaries and employee benefits | $4,230,000 | 2,324 |
| Premises and equipment expense | $799,000 | 3,012 |
| Additional noninterest expense | $3,100,000 | 1,700 |
| Pre-tax net operating income | $7,520,000 | 1,295 |
| Securities gains (losses) | $-28,000 | 7,691 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $7,492,000 | 1,000 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,492,000 | 1,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,014 |
| Cash dividends | $4,727,000 | 750 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 954 |
| Net operating income | $7,520,000 | 984 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,439,000 | 1,615 |
| Total interest expense | $8,305,000 | 1,476 |
| Net interest income | $10,134,000 | 1,715 |
| Provision for loan and lease losses | $675,000 | 1,080 |
| Total noninterest income | $1,821,000 | 1,927 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $162,000 | 4,872 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,659,000 | 1,279 |
| Total noninterest expense | $5,574,000 | 2,380 |
| Salaries and employee benefits | $2,952,000 | 2,471 |
| Premises and equipment expense | $553,000 | 3,211 |
| Additional noninterest expense | $2,069,000 | 1,885 |
| Pre-tax net operating income | $5,706,000 | 1,338 |
| Securities gains (losses) | $-28,000 | 7,963 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $5,678,000 | 1,026 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,678,000 | 1,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $3,943,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,706,000 | 1,007 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,296,000 | 1,738 |
| Total interest expense | $4,908,000 | 1,591 |
| Net interest income | $6,388,000 | 1,821 |
| Provision for loan and lease losses | $425,000 | 1,120 |
| Total noninterest income | $1,512,000 | 1,623 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $107,000 | 4,870 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,405,000 | 1,059 |
| Total noninterest expense | $3,474,000 | 2,542 |
| Salaries and employee benefits | $1,896,000 | 2,554 |
| Premises and equipment expense | $336,000 | 3,438 |
| Additional noninterest expense | $1,242,000 | 2,102 |
| Pre-tax net operating income | $4,001,000 | 1,272 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $4,001,000 | 962 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,001,000 | 963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $2,300,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,001,000 | 943 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,197,000 | 1,853 |
| Total interest expense | $2,173,000 | 1,694 |
| Net interest income | $3,024,000 | 1,915 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $814,000 | 1,490 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $48,000 | 5,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $766,000 | 987 |
| Total noninterest expense | $1,645,000 | 2,672 |
| Salaries and employee benefits | $868,000 | 2,773 |
| Premises and equipment expense | $164,000 | 3,516 |
| Additional noninterest expense | $613,000 | 2,116 |
| Pre-tax net operating income | $2,043,000 | 1,210 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $2,043,000 | 932 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,043,000 | 931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $2,300,000 | 383 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,043,000 | 911 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,101,000 | 2,067 |
| Total interest expense | $6,338,000 | 1,786 |
| Net interest income | $9,763,000 | 2,269 |
| Provision for loan and lease losses | $1,195,000 | 899 |
| Total noninterest income | $1,583,000 | 2,599 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $182,000 | 5,241 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,401,000 | 1,758 |
| Total noninterest expense | $5,519,000 | 2,972 |
| Salaries and employee benefits | $2,936,000 | 3,023 |
| Premises and equipment expense | $573,000 | 3,795 |
| Additional noninterest expense | $2,010,000 | 2,480 |
| Pre-tax net operating income | $4,632,000 | 1,977 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $757,000 | 2,687 |
| Income before extraordinary items | $3,874,000 | 1,785 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,874,000 | 1,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,813 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,874,840 | 1,759 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,205,000 | 2,167 |
| Total interest expense | $4,384,000 | 1,824 |
| Net interest income | $6,821,000 | 2,402 |
| Provision for loan and lease losses | $895,000 | 849 |
| Total noninterest income | $1,119,000 | 2,700 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $139,000 | 5,232 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $980,000 | 1,843 |
| Total noninterest expense | $3,616,000 | 3,313 |
| Salaries and employee benefits | $1,958,000 | 3,332 |
| Premises and equipment expense | $348,000 | 4,381 |
| Additional noninterest expense | $1,310,000 | 2,809 |
| Pre-tax net operating income | $3,429,000 | 2,017 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $757,000 | 2,288 |
| Income before extraordinary items | $2,671,000 | 1,962 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,671,000 | 1,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,671,780 | 1,927 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,908,000 | 2,288 |
| Total interest expense | $2,632,000 | 1,892 |
| Net interest income | $4,276,000 | 2,504 |
| Provision for loan and lease losses | $620,000 | 799 |
| Total noninterest income | $754,000 | 2,648 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $91,000 | 5,229 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $663,000 | 1,810 |
| Total noninterest expense | $2,358,000 | 3,348 |
| Salaries and employee benefits | $1,251,000 | 3,439 |
| Premises and equipment expense | $232,000 | 4,354 |
| Additional noninterest expense | $875,000 | 2,789 |
| Pre-tax net operating income | $2,052,000 | 2,142 |
| Securities gains (losses) | $-1,000 | 7,609 |
| Applicable income taxes | $757,000 | 1,693 |
| Income before extraordinary items | $1,294,000 | 2,497 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,294,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,294,640 | 2,459 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,164,000 | 2,442 |
| Total interest expense | $1,111,000 | 2,119 |
| Net interest income | $2,053,000 | 2,596 |
| Provision for loan and lease losses | $350,000 | 668 |
| Total noninterest income | $387,000 | 2,547 |
| 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 | $343,000 | 1,719 |
| Total noninterest expense | $1,151,000 | 3,435 |
| Salaries and employee benefits | $604,000 | 3,552 |
| Premises and equipment expense | $117,000 | 4,378 |
| Additional noninterest expense | $430,000 | 2,826 |
| Pre-tax net operating income | $939,000 | 2,278 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $757,000 | 943 |
| Income before extraordinary items | $182,000 | 5,644 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $182,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $182,000 | 5,607 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,459,000 | 3,270 |
| Total interest expense | $2,718,000 | 2,843 |
| Net interest income | $5,741,000 | 3,405 |
| Provision for loan and lease losses | $750,000 | 1,364 |
| Total noninterest income | $2,245,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $185,000 | 5,374 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,060,000 | 1,285 |
| Total noninterest expense | $4,256,000 | 3,563 |
| Salaries and employee benefits | $2,210,000 | 3,678 |
| Premises and equipment expense | $442,000 | 4,467 |
| Additional noninterest expense | $1,604,000 | 2,965 |
| Pre-tax net operating income | $2,980,000 | 2,606 |
| Securities gains (losses) | $-4,000 | 8,021 |
| Applicable income taxes | $1,084,000 | 2,028 |
| Income before extraordinary items | $1,892,000 | 3,064 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,892,000 | 3,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,639 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,894,560 | 2,997 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,963,000 | 3,403 |
| Total interest expense | $1,868,000 | 3,009 |
| Net interest income | $4,095,000 | 3,528 |
| Provision for loan and lease losses | $550,000 | 1,327 |
| Total noninterest income | $1,919,000 | 1,847 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $135,000 | 5,483 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,784,000 | 1,182 |
| Total noninterest expense | $3,013,000 | 3,703 |
| Salaries and employee benefits | $1,610,000 | 3,745 |
| Premises and equipment expense | $332,000 | 4,448 |
| Additional noninterest expense | $1,071,000 | 3,227 |
| Pre-tax net operating income | $2,451,000 | 2,429 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $934,000 | 1,885 |
| Income before extraordinary items | $1,513,000 | 2,929 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,513,000 | 2,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 1,966 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,515,560 | 2,851 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,743,000 | 3,568 |
| Total interest expense | $1,134,000 | 3,221 |
| Net interest income | $2,609,000 | 3,647 |
| Provision for loan and lease losses | $350,000 | 1,369 |
| Total noninterest income | $1,362,000 | 1,728 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $90,000 | 5,491 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,272,000 | 1,124 |
| Total noninterest expense | $1,988,000 | 3,751 |
| Salaries and employee benefits | $1,040,000 | 3,861 |
| Premises and equipment expense | $233,000 | 4,294 |
| Additional noninterest expense | $715,000 | 3,246 |
| Pre-tax net operating income | $1,633,000 | 2,409 |
| Securities gains (losses) | $-3,000 | 8,495 |
| Applicable income taxes | $624,000 | 1,872 |
| Income before extraordinary items | $1,006,000 | 2,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,006,000 | 2,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,007,920 | 2,834 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,771,000 | 3,752 |
| Total interest expense | $542,000 | 3,398 |
| Net interest income | $1,229,000 | 3,828 |
| Provision for loan and lease losses | $100,000 | 2,105 |
| Total noninterest income | $731,000 | 1,609 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $48,000 | 5,292 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $683,000 | 1,031 |
| Total noninterest expense | $1,025,000 | 3,676 |
| Salaries and employee benefits | $493,000 | 4,053 |
| Premises and equipment expense | $118,000 | 4,296 |
| Additional noninterest expense | $414,000 | 2,816 |
| Pre-tax net operating income | $835,000 | 2,338 |
| Securities gains (losses) | $-1,000 | 8,686 |
| Applicable income taxes | $322,000 | 1,828 |
| Income before extraordinary items | $512,000 | 2,886 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $512,000 | 2,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $512,640 | 2,786 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,001,000 | 4,316 |
| Total interest expense | $2,192,000 | 3,721 |
| Net interest income | $3,809,000 | 4,519 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $1,038,000 | 3,645 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $202,000 | 5,250 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $836,000 | 2,666 |
| Total noninterest expense | $2,934,000 | 4,672 |
| Salaries and employee benefits | $1,656,000 | 4,526 |
| Premises and equipment expense | $325,000 | 5,414 |
| Additional noninterest expense | $953,000 | 4,429 |
| Pre-tax net operating income | $1,673,000 | 3,824 |
| Securities gains (losses) | $-23,000 | 8,882 |
| Applicable income taxes | $269,000 | 4,451 |
| Income before extraordinary items | $1,381,000 | 3,769 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,381,000 | 3,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,400,320 | 3,571 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,394,000 | 4,421 |
| Total interest expense | $1,661,000 | 3,819 |
| Net interest income | $2,733,000 | 4,680 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $946,000 | 3,247 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $158,000 | 5,187 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $788,000 | 2,388 |
| Total noninterest expense | $2,076,000 | 4,860 |
| Salaries and employee benefits | $1,199,000 | 4,621 |
| Premises and equipment expense | $235,000 | 5,523 |
| Additional noninterest expense | $642,000 | 4,774 |
| Pre-tax net operating income | $1,423,000 | 3,627 |
| Securities gains (losses) | $-21,000 | 9,015 |
| Applicable income taxes | $172,000 | 4,895 |
| Income before extraordinary items | $1,230,000 | 3,427 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,230,000 | 3,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,248,480 | 3,228 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,847,000 | 4,548 |
| Total interest expense | $1,115,000 | 3,910 |
| Net interest income | $1,732,000 | 4,833 |
| Provision for loan and lease losses | $119,000 | 3,596 |
| Total noninterest income | $639,000 | 3,201 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $110,000 | 5,032 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $529,000 | 2,371 |
| Total noninterest expense | $1,283,000 | 5,114 |
| Salaries and employee benefits | $762,000 | 4,799 |
| Premises and equipment expense | $140,000 | 5,867 |
| Additional noninterest expense | $381,000 | 5,183 |
| Pre-tax net operating income | $969,000 | 3,603 |
| Securities gains (losses) | $-16,000 | 9,089 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $953,000 | 3,074 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $953,000 | 3,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $969,000 | 2,889 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,377,000 | 4,678 |
| Total interest expense | $551,000 | 4,039 |
| Net interest income | $826,000 | 4,976 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $84,000 | 6,303 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $57,000 | 4,884 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 6,429 |
| Total noninterest expense | $536,000 | 5,749 |
| Salaries and employee benefits | $302,000 | 5,605 |
| Premises and equipment expense | $68,000 | 5,942 |
| Additional noninterest expense | $166,000 | 5,612 |
| Pre-tax net operating income | $319,000 | 4,631 |
| Securities gains (losses) | $-9,000 | 9,150 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $310,000 | 4,144 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $310,000 | 4,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $319,000 | 3,874 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,774,000 | 5,329 |
| Total interest expense | $2,284,000 | 4,395 |
| Net interest income | $2,490,000 | 5,926 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $644,000 | 4,541 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $152,000 | 5,808 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $492,000 | 3,314 |
| Total noninterest expense | $2,135,000 | 5,639 |
| Salaries and employee benefits | $1,250,000 | 5,340 |
| Premises and equipment expense | $252,000 | 6,109 |
| Additional noninterest expense | $633,000 | 5,740 |
| Pre-tax net operating income | $879,000 | 5,543 |
| Securities gains (losses) | $-16,000 | 8,963 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $863,000 | 4,994 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $863,000 | 4,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,685 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $986,000 | 392 |
| Net operating income | $879,000 | 4,807 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,213,000 | 6,187 |
| Total interest expense | $2,683,000 | 5,145 |
| Net interest income | $1,530,000 | 7,274 |
| Provision for loan and lease losses | $676,000 | 1,726 |
| Total noninterest income | $149,000 | 7,869 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $62,000 | 7,358 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $87,000 | 6,726 |
| Total noninterest expense | $1,669,000 | 6,415 |
| Salaries and employee benefits | $1,007,000 | 5,948 |
| Premises and equipment expense | $205,000 | 6,718 |
| Additional noninterest expense | $457,000 | 6,739 |
| Pre-tax net operating income | $-666,000 | 9,235 |
| Securities gains (losses) | $94,000 | 1,799 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-572,000 | 9,266 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-572,000 | 9,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-666,000 | 9,270 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,590,000 | 8,857 |
| Total interest expense | $877,000 | 8,476 |
| Net interest income | $713,000 | 9,084 |
| Provision for loan and lease losses | $201,000 | 3,725 |
| Total noninterest income | $195,000 | 7,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 4,998 |
| Total noninterest expense | $1,821,000 | 6,022 |
| Salaries and employee benefits | $967,000 | 6,057 |
| Premises and equipment expense | $208,000 | 6,637 |
| Additional noninterest expense | $646,000 | 5,496 |
| Pre-tax net operating income | $-1,114,000 | 9,748 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-1,114,000 | 9,751 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,114,000 | 9,750 |
| 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 | $7,300,000 | 120 |
| Net operating income | $-1,114,000 | 9,755 |
* 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.