JCB, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $69,000 | 9,318 |
| Total interest expense | $16,000 | 9,286 |
| Net interest income | $53,000 | 9,311 |
| Provision for loan and lease losses | $5,000 | 7,962 |
| Total noninterest income | $137,000 | 7,983 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $137,000 | 5,794 |
| Total noninterest expense | $250,000 | 9,278 |
| Salaries and employee benefits | $94,000 | 9,296 |
| Premises and equipment expense | $2,000 | 9,314 |
| Additional noninterest expense | $154,000 | 8,853 |
| Pre-tax net operating income | $-65,000 | 8,725 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-60,000 | 9,011 |
| Income before extraordinary items | $-5,000 | 8,738 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-5,000 | 8,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,624 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-5,000 | 8,658 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $121,000 | 9,564 |
| Total interest expense | $30,000 | 9,517 |
| Net interest income | $91,000 | 9,556 |
| Provision for loan and lease losses | $8,000 | 8,004 |
| Total noninterest income | $187,000 | 7,430 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $187,000 | 5,069 |
| Total noninterest expense | $446,000 | 9,275 |
| Salaries and employee benefits | $164,000 | 9,467 |
| Premises and equipment expense | $2,000 | 9,576 |
| Additional noninterest expense | $280,000 | 8,003 |
| Pre-tax net operating income | $-176,000 | 8,944 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $4,000 | 7,767 |
| Income before extraordinary items | $-180,000 | 9,032 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-180,000 | 9,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,943 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-180,000 | 8,973 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $176,000 | 9,834 |
| Total interest expense | $25,000 | 9,816 |
| Net interest income | $151,000 | 9,812 |
| Provision for loan and lease losses | $15,000 | 7,764 |
| Total noninterest income | $233,000 | 6,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $233,000 | 4,442 |
| Total noninterest expense | $553,000 | 9,240 |
| Salaries and employee benefits | $128,000 | 9,795 |
| Premises and equipment expense | $2,000 | 9,862 |
| Additional noninterest expense | $423,000 | 6,980 |
| Pre-tax net operating income | $-184,000 | 9,327 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-63,000 | 9,521 |
| Income before extraordinary items | $-121,000 | 9,297 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-121,000 | 9,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,940 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-121,000 | 9,290 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $184,000 | 10,130 |
| Total interest expense | $37,000 | 10,117 |
| Net interest income | $147,000 | 10,111 |
| Provision for loan and lease losses | $144,000 | 4,363 |
| Total noninterest income | $328,000 | 6,190 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $328,000 | 3,816 |
| Total noninterest expense | $595,000 | 9,332 |
| Salaries and employee benefits | $174,000 | 9,992 |
| Premises and equipment expense | $2,000 | 10,183 |
| Additional noninterest expense | $419,000 | 7,116 |
| Pre-tax net operating income | $-264,000 | 9,684 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-264,000 | 9,733 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-264,000 | 9,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,985 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 604 |
| Net operating income | $-264,000 | 9,714 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $236,000 | 10,343 |
| Total interest expense | $66,000 | 10,332 |
| Net interest income | $170,000 | 10,327 |
| Provision for loan and lease losses | $264,000 | 2,904 |
| Total noninterest income | $395,000 | 5,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $395,000 | 3,462 |
| Total noninterest expense | $803,000 | 8,770 |
| Salaries and employee benefits | $174,000 | 10,208 |
| Premises and equipment expense | $2,000 | 10,426 |
| Additional noninterest expense | $627,000 | 5,578 |
| Pre-tax net operating income | $-502,000 | 10,187 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-173,000 | 10,300 |
| Income before extraordinary items | $-329,000 | 10,144 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-329,000 | 10,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,411 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-329,000 | 10,116 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $209,000 | 10,831 |
| Total interest expense | $28,000 | 10,851 |
| Net interest income | $181,000 | 10,795 |
| Provision for loan and lease losses | $160,000 | 3,978 |
| Total noninterest income | $954,000 | 3,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $954,000 | 1,794 |
| Total noninterest expense | $1,164,000 | 7,799 |
| Salaries and employee benefits | $144,000 | 10,734 |
| Premises and equipment expense | $3,000 | 10,884 |
| Additional noninterest expense | $1,017,000 | 3,842 |
| Pre-tax net operating income | $-189,000 | 10,555 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-148,000 | 10,759 |
| Income before extraordinary items | $-41,000 | 10,455 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-41,000 | 10,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,945 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-41,000 | 10,420 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $161,000 | 11,386 |
| Total interest expense | $24,000 | 11,394 |
| Net interest income | $137,000 | 11,369 |
| Provision for loan and lease losses | $83,000 | 5,545 |
| Total noninterest income | $135,000 | 9,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,273 |
| Total noninterest expense | $520,000 | 10,502 |
| Salaries and employee benefits | $126,000 | 11,303 |
| Premises and equipment expense | $4,000 | 11,405 |
| Additional noninterest expense | $390,000 | 7,964 |
| Pre-tax net operating income | $-331,000 | 11,157 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-62,000 | 11,105 |
| Income before extraordinary items | $-269,000 | 11,158 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-269,000 | 11,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,513 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-269,000 | 11,124 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $166,000 | 11,918 |
| Total interest expense | $21,000 | 11,928 |
| Net interest income | $145,000 | 11,904 |
| Provision for loan and lease losses | $47,000 | 6,364 |
| Total noninterest income | $110,000 | 10,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,935 |
| Total noninterest expense | $476,000 | 11,125 |
| Salaries and employee benefits | $116,000 | 11,830 |
| Premises and equipment expense | $4,000 | 11,936 |
| Additional noninterest expense | $356,000 | 8,641 |
| Pre-tax net operating income | $-268,000 | 11,707 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-77,000 | 11,685 |
| Income before extraordinary items | $-191,000 | 11,674 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-191,000 | 11,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,002 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-191,000 | 11,663 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $124,000 | 12,576 |
| Total interest expense | $14,000 | 12,569 |
| Net interest income | $110,000 | 12,557 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $109,000 | 10,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,256 |
| Total noninterest expense | $400,000 | 12,041 |
| Salaries and employee benefits | $108,000 | 12,495 |
| Premises and equipment expense | $4,000 | 12,566 |
| Additional noninterest expense | $288,000 | 10,093 |
| Pre-tax net operating income | $-196,000 | 12,261 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-73,000 | 12,263 |
| Income before extraordinary items | $-123,000 | 12,175 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-123,000 | 12,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-123,000 | 12,193 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $71,000 | 13,258 |
| Total interest expense | $9,000 | 13,247 |
| Net interest income | $62,000 | 13,216 |
| Provision for loan and lease losses | $9,000 | 9,850 |
| Total noninterest income | $1,000 | 13,215 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 13,192 |
| Total noninterest expense | $301,000 | 12,981 |
| Salaries and employee benefits | $55,000 | 13,251 |
| Premises and equipment expense | $3,000 | 13,250 |
| Additional noninterest expense | $243,000 | 11,164 |
| Pre-tax net operating income | $-247,000 | 12,731 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-247,000 | 12,792 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-247,000 | 12,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $3,005,000 | 273 |
| Net operating income | $-247,000 | 12,715 |
* 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.