Home > Kent Commerce Bank > Income and Expense
Kent Commerce Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,118,000 | 5,391 |
| Total interest expense | $2,475,000 | 4,777 |
| Net interest income | $2,643,000 | 5,768 |
| Provision for loan and lease losses | $2,540,000 | 1,547 |
| Total noninterest income | $-189,000 | 8,198 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $77,000 | 6,226 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-266,000 | 8,183 |
| Total noninterest expense | $2,906,000 | 5,224 |
| Salaries and employee benefits | $1,252,000 | 5,847 |
| Premises and equipment expense | $291,000 | 5,871 |
| Additional noninterest expense | $1,363,000 | 3,884 |
| Pre-tax net operating income | $-2,992,000 | 7,592 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,013,000 | 7,711 |
| Income before extraordinary items | $-1,979,000 | 7,373 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,979,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,608,000 | 1,484 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,979,000 | 7,468 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,996,000 | 5,350 |
| Total interest expense | $1,932,000 | 4,782 |
| Net interest income | $2,064,000 | 5,696 |
| Provision for loan and lease losses | $1,931,000 | 1,215 |
| Total noninterest income | $-175,000 | 8,312 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $59,000 | 6,247 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-234,000 | 8,309 |
| Total noninterest expense | $2,163,000 | 5,227 |
| Salaries and employee benefits | $995,000 | 5,703 |
| Premises and equipment expense | $217,000 | 5,892 |
| Additional noninterest expense | $951,000 | 4,016 |
| Pre-tax net operating income | $-2,205,000 | 7,901 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-747,000 | 7,978 |
| Income before extraordinary items | $-1,458,000 | 7,689 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,458,000 | 7,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,103,000 | 1,220 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,458,000 | 7,787 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,763,000 | 5,325 |
| Total interest expense | $1,342,000 | 4,815 |
| Net interest income | $1,421,000 | 5,611 |
| Provision for loan and lease losses | $1,867,000 | 828 |
| Total noninterest income | $33,000 | 7,819 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $40,000 | 6,240 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-7,000 | 8,317 |
| Total noninterest expense | $1,419,000 | 5,301 |
| Salaries and employee benefits | $625,000 | 5,927 |
| Premises and equipment expense | $146,000 | 5,901 |
| Additional noninterest expense | $648,000 | 3,934 |
| Pre-tax net operating income | $-1,832,000 | 8,133 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-621,000 | 8,209 |
| Income before extraordinary items | $-1,211,000 | 8,072 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,211,000 | 8,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,076,000 | 821 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,211,000 | 8,060 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,456,000 | 5,269 |
| Total interest expense | $733,000 | 4,758 |
| Net interest income | $723,000 | 5,592 |
| Provision for loan and lease losses | $245,000 | 1,612 |
| Total noninterest income | $127,000 | 4,962 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $19,000 | 6,289 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $108,000 | 3,628 |
| Total noninterest expense | $689,000 | 5,413 |
| Salaries and employee benefits | $297,000 | 6,113 |
| Premises and equipment expense | $77,000 | 5,819 |
| Additional noninterest expense | $315,000 | 3,979 |
| Pre-tax net operating income | $-84,000 | 7,512 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-28,000 | 7,941 |
| Income before extraordinary items | $-56,000 | 7,524 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-56,000 | 7,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 990 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-56,000 | 7,462 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,197,000 | 5,111 |
| Total interest expense | $2,951,000 | 4,846 |
| Net interest income | $3,246,000 | 5,272 |
| Provision for loan and lease losses | $592,000 | 2,083 |
| Total noninterest income | $357,000 | 5,722 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $72,000 | 6,409 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $285,000 | 4,339 |
| Total noninterest expense | $2,942,000 | 5,059 |
| Salaries and employee benefits | $1,451,000 | 5,414 |
| Premises and equipment expense | $284,000 | 5,918 |
| Additional noninterest expense | $1,207,000 | 4,056 |
| Pre-tax net operating income | $69,000 | 7,236 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $30,000 | 5,226 |
| Income before extraordinary items | $39,000 | 7,366 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $39,000 | 7,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 2,011 |
| Cash dividends | $400,000 | 4,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $39,000 | 7,334 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,751,000 | 5,058 |
| Total interest expense | $2,198,000 | 4,884 |
| Net interest income | $2,553,000 | 5,145 |
| Provision for loan and lease losses | $232,000 | 2,743 |
| Total noninterest income | $304,000 | 5,498 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $54,000 | 6,449 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $250,000 | 4,093 |
| Total noninterest expense | $2,165,000 | 5,100 |
| Salaries and employee benefits | $1,072,000 | 5,427 |
| Premises and equipment expense | $209,000 | 5,970 |
| Additional noninterest expense | $884,000 | 4,069 |
| Pre-tax net operating income | $460,000 | 5,927 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $160,000 | 3,985 |
| Income before extraordinary items | $300,000 | 6,319 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $300,000 | 6,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,054 |
| Cash dividends | $400,000 | 3,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $300,000 | 6,315 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,181,000 | 5,057 |
| Total interest expense | $1,465,000 | 4,871 |
| Net interest income | $1,716,000 | 5,143 |
| Provision for loan and lease losses | $125,000 | 2,906 |
| Total noninterest income | $239,000 | 5,180 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $37,000 | 6,450 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $202,000 | 3,768 |
| Total noninterest expense | $1,418,000 | 5,192 |
| Salaries and employee benefits | $704,000 | 5,532 |
| Premises and equipment expense | $145,000 | 5,910 |
| Additional noninterest expense | $569,000 | 4,171 |
| Pre-tax net operating income | $412,000 | 5,449 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $143,000 | 3,707 |
| Income before extraordinary items | $269,000 | 5,882 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $269,000 | 5,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 1,796 |
| Cash dividends | $200,000 | 3,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $269,000 | 5,867 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,611,000 | 5,014 |
| Total interest expense | $749,000 | 4,778 |
| Net interest income | $862,000 | 5,137 |
| Provision for loan and lease losses | $26,000 | 4,092 |
| Total noninterest income | $175,000 | 4,294 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $19,000 | 6,411 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $156,000 | 2,940 |
| Total noninterest expense | $731,000 | 5,103 |
| Salaries and employee benefits | $354,000 | 5,554 |
| Premises and equipment expense | $76,000 | 5,812 |
| Additional noninterest expense | $301,000 | 3,963 |
| Pre-tax net operating income | $280,000 | 4,807 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $98,000 | 3,297 |
| Income before extraordinary items | $182,000 | 5,268 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $182,000 | 5,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 1,654 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $182,000 | 5,253 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,446,000 | 4,781 |
| Total interest expense | $2,870,000 | 4,429 |
| Net interest income | $3,576,000 | 4,982 |
| Provision for loan and lease losses | $870,000 | 1,188 |
| Total noninterest income | $343,000 | 5,917 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $80,000 | 6,440 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $263,000 | 4,550 |
| Total noninterest expense | $2,790,000 | 5,135 |
| Salaries and employee benefits | $1,258,000 | 5,759 |
| Premises and equipment expense | $293,000 | 5,801 |
| Additional noninterest expense | $1,239,000 | 3,834 |
| Pre-tax net operating income | $259,000 | 7,230 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $94,000 | 5,015 |
| Income before extraordinary items | $165,000 | 7,421 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $165,000 | 7,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $835,000 | 807 |
| Cash dividends | $450,000 | 3,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $165,000 | 7,413 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,765,000 | 4,817 |
| Total interest expense | $2,068,000 | 4,460 |
| Net interest income | $2,697,000 | 5,010 |
| Provision for loan and lease losses | $306,000 | 2,114 |
| Total noninterest income | $267,000 | 5,857 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $57,000 | 6,566 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $210,000 | 4,435 |
| Total noninterest expense | $2,115,000 | 5,079 |
| Salaries and employee benefits | $927,000 | 5,789 |
| Premises and equipment expense | $218,000 | 5,842 |
| Additional noninterest expense | $970,000 | 3,693 |
| Pre-tax net operating income | $543,000 | 6,063 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $188,000 | 4,207 |
| Income before extraordinary items | $355,000 | 6,444 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $355,000 | 6,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $443,000 | 889 |
| Cash dividends | $450,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $355,000 | 6,443 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,042,000 | 4,904 |
| Total interest expense | $1,284,000 | 4,510 |
| Net interest income | $1,758,000 | 5,102 |
| Provision for loan and lease losses | $178,000 | 2,331 |
| Total noninterest income | $206,000 | 5,565 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $37,000 | 6,640 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $169,000 | 4,078 |
| Total noninterest expense | $1,420,000 | 5,075 |
| Salaries and employee benefits | $593,000 | 5,944 |
| Premises and equipment expense | $145,000 | 5,863 |
| Additional noninterest expense | $682,000 | 3,556 |
| Pre-tax net operating income | $366,000 | 6,062 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $127,000 | 4,236 |
| Income before extraordinary items | $239,000 | 6,448 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $239,000 | 6,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $335,000 | 770 |
| Cash dividends | $300,000 | 3,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $239,000 | 6,451 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,440,000 | 5,021 |
| Total interest expense | $610,000 | 4,537 |
| Net interest income | $830,000 | 5,287 |
| Provision for loan and lease losses | $85,000 | 2,271 |
| Total noninterest income | $54,000 | 6,815 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $16,000 | 6,758 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $38,000 | 5,631 |
| Total noninterest expense | $710,000 | 5,088 |
| Salaries and employee benefits | $293,000 | 6,011 |
| Premises and equipment expense | $75,000 | 5,803 |
| Additional noninterest expense | $342,000 | 3,506 |
| Pre-tax net operating income | $89,000 | 7,183 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $31,000 | 4,987 |
| Income before extraordinary items | $58,000 | 7,401 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $58,000 | 7,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 532 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $58,000 | 7,406 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,872,000 | 4,658 |
| Total interest expense | $2,105,000 | 4,286 |
| Net interest income | $3,767,000 | 4,803 |
| Provision for loan and lease losses | $589,000 | 1,671 |
| Total noninterest income | $431,000 | 5,564 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $75,000 | 6,673 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $356,000 | 3,981 |
| Total noninterest expense | $2,577,000 | 5,280 |
| Salaries and employee benefits | $1,176,000 | 5,861 |
| Premises and equipment expense | $328,000 | 5,484 |
| Additional noninterest expense | $1,073,000 | 4,186 |
| Pre-tax net operating income | $1,032,000 | 5,269 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $354,000 | 3,890 |
| Income before extraordinary items | $678,000 | 5,735 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $678,000 | 5,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 1,025 |
| Cash dividends | $600,000 | 3,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $678,000 | 5,713 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 4,683 |
| Total interest expense | $1,526,000 | 4,236 |
| Net interest income | $2,801,000 | 4,838 |
| Provision for loan and lease losses | $431,000 | 1,613 |
| Total noninterest income | $315,000 | 5,662 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $57,000 | 6,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $258,000 | 4,071 |
| Total noninterest expense | $1,958,000 | 5,214 |
| Salaries and employee benefits | $915,000 | 5,712 |
| Premises and equipment expense | $247,000 | 5,466 |
| Additional noninterest expense | $796,000 | 4,194 |
| Pre-tax net operating income | $727,000 | 5,561 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $250,000 | 4,087 |
| Income before extraordinary items | $477,000 | 6,003 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $477,000 | 6,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 891 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $477,000 | 5,971 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,909,000 | 4,595 |
| Total interest expense | $991,000 | 4,155 |
| Net interest income | $1,918,000 | 4,743 |
| Provision for loan and lease losses | $453,000 | 1,062 |
| Total noninterest income | $199,000 | 5,743 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $40,000 | 6,599 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $159,000 | 4,187 |
| Total noninterest expense | $1,325,000 | 5,149 |
| Salaries and employee benefits | $635,000 | 5,559 |
| Premises and equipment expense | $170,000 | 5,363 |
| Additional noninterest expense | $520,000 | 4,236 |
| Pre-tax net operating income | $339,000 | 6,341 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $117,000 | 4,603 |
| Income before extraordinary items | $222,000 | 6,744 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $222,000 | 6,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $510,000 | 589 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $222,000 | 6,695 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,364,000 | 4,780 |
| Total interest expense | $463,000 | 4,245 |
| Net interest income | $901,000 | 4,957 |
| Provision for loan and lease losses | $132,000 | 1,622 |
| Total noninterest income | $79,000 | 6,196 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $19,000 | 6,673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $689,000 | 5,042 |
| Salaries and employee benefits | $348,000 | 5,310 |
| Premises and equipment expense | $87,000 | 5,339 |
| Additional noninterest expense | $254,000 | 4,317 |
| Pre-tax net operating income | $159,000 | 6,445 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $55,000 | 4,637 |
| Income before extraordinary items | $104,000 | 6,827 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $104,000 | 6,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $104,000 | 6,796 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,150,000 | 4,748 |
| Total interest expense | $1,261,000 | 4,971 |
| Net interest income | $3,889,000 | 4,570 |
| Provision for loan and lease losses | $775,000 | 1,318 |
| Total noninterest income | $289,000 | 6,485 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $75,000 | 6,866 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $214,000 | 4,972 |
| Total noninterest expense | $2,523,000 | 5,269 |
| Salaries and employee benefits | $1,203,000 | 5,686 |
| Premises and equipment expense | $343,000 | 5,288 |
| Additional noninterest expense | $977,000 | 4,432 |
| Pre-tax net operating income | $880,000 | 5,552 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $302,000 | 4,161 |
| Income before extraordinary items | $578,000 | 6,034 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $578,000 | 6,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $335,000 | 1,831 |
| Cash dividends | $600,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $578,000 | 5,967 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,733,000 | 4,848 |
| Total interest expense | $891,000 | 5,114 |
| Net interest income | $2,842,000 | 4,660 |
| Provision for loan and lease losses | $524,000 | 1,406 |
| Total noninterest income | $224,000 | 6,459 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $60,000 | 6,812 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $164,000 | 4,928 |
| Total noninterest expense | $1,920,000 | 5,171 |
| Salaries and employee benefits | $938,000 | 5,523 |
| Premises and equipment expense | $255,000 | 5,284 |
| Additional noninterest expense | $727,000 | 4,394 |
| Pre-tax net operating income | $622,000 | 5,801 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $214,000 | 4,344 |
| Income before extraordinary items | $408,000 | 6,282 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $408,000 | 6,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 1,583 |
| Cash dividends | $450,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $408,000 | 6,207 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,465,000 | 4,885 |
| Total interest expense | $576,000 | 5,231 |
| Net interest income | $1,889,000 | 4,662 |
| Provision for loan and lease losses | $266,000 | 1,749 |
| Total noninterest income | $157,000 | 6,366 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $39,000 | 6,883 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $118,000 | 4,818 |
| Total noninterest expense | $1,287,000 | 5,176 |
| Salaries and employee benefits | $636,000 | 5,505 |
| Premises and equipment expense | $167,000 | 5,367 |
| Additional noninterest expense | $484,000 | 4,415 |
| Pre-tax net operating income | $493,000 | 5,341 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $169,000 | 4,052 |
| Income before extraordinary items | $324,000 | 5,869 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $324,000 | 5,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 1,397 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $324,000 | 5,782 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,185,000 | 5,040 |
| Total interest expense | $285,000 | 5,323 |
| Net interest income | $900,000 | 4,827 |
| Provision for loan and lease losses | $266,000 | 908 |
| Total noninterest income | $90,000 | 6,013 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $19,000 | 6,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $71,000 | 4,413 |
| Total noninterest expense | $637,000 | 5,234 |
| Salaries and employee benefits | $318,000 | 5,540 |
| Premises and equipment expense | $82,000 | 5,449 |
| Additional noninterest expense | $237,000 | 4,492 |
| Pre-tax net operating income | $87,000 | 7,358 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $30,000 | 5,394 |
| Income before extraordinary items | $57,000 | 7,638 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $57,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 828 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $57,000 | 7,564 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,927,000 | 4,939 |
| Total interest expense | $1,581,000 | 4,724 |
| Net interest income | $3,346,000 | 4,938 |
| Provision for loan and lease losses | $99,000 | 5,369 |
| Total noninterest income | $512,000 | 5,371 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $72,000 | 7,052 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $440,000 | 3,792 |
| Total noninterest expense | $2,512,000 | 5,198 |
| Salaries and employee benefits | $1,261,000 | 5,466 |
| Premises and equipment expense | $294,000 | 5,715 |
| Additional noninterest expense | $957,000 | 4,415 |
| Pre-tax net operating income | $1,247,000 | 4,584 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $426,000 | 3,661 |
| Income before extraordinary items | $821,000 | 5,178 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $821,000 | 5,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,052 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $821,000 | 5,020 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,654,000 | 5,038 |
| Total interest expense | $1,291,000 | 4,595 |
| Net interest income | $2,363,000 | 5,176 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $454,000 | 4,992 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $54,000 | 7,102 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $400,000 | 3,531 |
| Total noninterest expense | $1,889,000 | 5,172 |
| Salaries and employee benefits | $974,000 | 5,338 |
| Premises and equipment expense | $211,000 | 5,852 |
| Additional noninterest expense | $704,000 | 4,455 |
| Pre-tax net operating income | $898,000 | 4,834 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $307,000 | 3,873 |
| Income before extraordinary items | $591,000 | 5,444 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $591,000 | 5,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $591,000 | 5,255 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,319,000 | 5,249 |
| Total interest expense | $896,000 | 4,591 |
| Net interest income | $1,423,000 | 5,498 |
| Provision for loan and lease losses | $5,000 | 7,119 |
| Total noninterest income | $303,000 | 4,963 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $34,000 | 7,172 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $269,000 | 3,496 |
| Total noninterest expense | $1,240,000 | 5,221 |
| Salaries and employee benefits | $662,000 | 5,283 |
| Premises and equipment expense | $129,000 | 6,077 |
| Additional noninterest expense | $449,000 | 4,606 |
| Pre-tax net operating income | $481,000 | 5,416 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $165,000 | 4,328 |
| Income before extraordinary items | $316,000 | 5,990 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $316,000 | 5,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $316,000 | 5,780 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,145,000 | 5,302 |
| Total interest expense | $449,000 | 4,674 |
| Net interest income | $696,000 | 5,568 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $142,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $124,000 | 3,547 |
| Total noninterest expense | $637,000 | 5,141 |
| Salaries and employee benefits | $344,000 | 5,152 |
| Premises and equipment expense | $68,000 | 5,942 |
| Additional noninterest expense | $225,000 | 4,564 |
| Pre-tax net operating income | $196,000 | 5,891 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $67,000 | 4,650 |
| Income before extraordinary items | $129,000 | 6,386 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $129,000 | 6,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $129,000 | 6,205 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,266,000 | 4,997 |
| Total interest expense | $1,930,000 | 4,912 |
| Net interest income | $3,336,000 | 4,926 |
| Provision for loan and lease losses | $154,000 | 4,873 |
| Total noninterest income | $532,000 | 5,045 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $56,000 | 7,422 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $476,000 | 3,377 |
| Total noninterest expense | $2,222,000 | 5,500 |
| Salaries and employee benefits | $1,112,000 | 5,768 |
| Premises and equipment expense | $252,000 | 6,109 |
| Additional noninterest expense | $858,000 | 4,692 |
| Pre-tax net operating income | $1,492,000 | 4,133 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $500,000 | 3,443 |
| Income before extraordinary items | $992,000 | 4,628 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $992,000 | 4,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,350 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $992,000 | 4,498 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,457,000 | 5,991 |
| Total interest expense | $2,296,000 | 5,674 |
| Net interest income | $2,161,000 | 6,184 |
| Provision for loan and lease losses | $323,000 | 3,057 |
| Total noninterest income | $305,000 | 6,377 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $37,000 | 7,853 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $268,000 | 4,356 |
| Total noninterest expense | $1,954,000 | 5,823 |
| Salaries and employee benefits | $935,000 | 6,219 |
| Premises and equipment expense | $217,000 | 6,533 |
| Additional noninterest expense | $802,000 | 4,771 |
| Pre-tax net operating income | $189,000 | 7,936 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $76,000 | 6,325 |
| Income before extraordinary items | $113,000 | 8,254 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $113,000 | 8,252 |
| 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 | $0 | 922 |
| Net operating income | $113,000 | 8,148 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,717,000 | 6,713 |
| Total interest expense | $2,138,000 | 6,075 |
| Net interest income | $1,579,000 | 7,334 |
| Provision for loan and lease losses | $85,000 | 5,634 |
| Total noninterest income | $210,000 | 7,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 8,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 4,880 |
| Total noninterest expense | $1,518,000 | 6,709 |
| Salaries and employee benefits | $703,000 | 7,190 |
| Premises and equipment expense | $213,000 | 6,566 |
| Additional noninterest expense | $602,000 | 5,781 |
| Pre-tax net operating income | $186,000 | 8,418 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $186,000 | 8,158 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $186,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,934 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $186,000 | 8,162 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,835,000 | 7,566 |
| Total interest expense | $1,599,000 | 6,728 |
| Net interest income | $1,236,000 | 8,121 |
| Provision for loan and lease losses | $122,000 | 4,702 |
| Total noninterest income | $167,000 | 7,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 8,746 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 5,442 |
| Total noninterest expense | $1,385,000 | 7,078 |
| Salaries and employee benefits | $627,000 | 7,606 |
| Premises and equipment expense | $211,000 | 6,631 |
| Additional noninterest expense | $547,000 | 6,171 |
| Pre-tax net operating income | $-104,000 | 9,540 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-104,000 | 9,580 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-104,000 | 9,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-104,000 | 9,558 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,367,000 | 9,460 |
| Total interest expense | $734,000 | 9,107 |
| Net interest income | $633,000 | 9,651 |
| Provision for loan and lease losses | $261,000 | 2,916 |
| Total noninterest income | $76,000 | 9,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,363 |
| Total noninterest expense | $1,075,000 | 7,897 |
| Salaries and employee benefits | $506,000 | 8,321 |
| Premises and equipment expense | $153,000 | 7,582 |
| Additional noninterest expense | $416,000 | 7,090 |
| Pre-tax net operating income | $-627,000 | 10,243 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-627,000 | 10,285 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-627,000 | 10,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $3,913,000 | 285 |
| Net operating income | $-627,000 | 10,258 |
* 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.