Home > Macomb Community Bank > Income and Expense
Macomb Community Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,880,000 | 5,526 |
| Total interest expense | $2,968,000 | 4,281 |
| Net interest income | $1,912,000 | 6,517 |
| Provision for loan and lease losses | $5,628,000 | 928 |
| Total noninterest income | $-325,000 | 8,217 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 6,156 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-408,000 | 8,206 |
| Total noninterest expense | $3,291,000 | 4,828 |
| Salaries and employee benefits | $1,104,000 | 6,191 |
| Premises and equipment expense | $237,000 | 6,359 |
| Additional noninterest expense | $1,950,000 | 2,929 |
| Pre-tax net operating income | $-7,332,000 | 7,912 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-2,490,000 | 7,977 |
| Income before extraordinary items | $-4,842,000 | 7,802 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,842,000 | 7,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,346,000 | 928 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-4,842,000 | 7,857 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,851,000 | 5,447 |
| Total interest expense | $2,266,000 | 4,352 |
| Net interest income | $1,585,000 | 6,348 |
| Provision for loan and lease losses | $4,345,000 | 709 |
| Total noninterest income | $75,000 | 7,415 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $65,000 | 6,126 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $10,000 | 7,769 |
| Total noninterest expense | $2,484,000 | 4,774 |
| Salaries and employee benefits | $838,000 | 6,168 |
| Premises and equipment expense | $179,000 | 6,364 |
| Additional noninterest expense | $1,467,000 | 2,824 |
| Pre-tax net operating income | $-5,169,000 | 8,134 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,756,000 | 8,161 |
| Income before extraordinary items | $-3,413,000 | 8,050 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,413,000 | 8,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,636,000 | 694 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,413,000 | 8,102 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,574,000 | 5,508 |
| Total interest expense | $1,572,000 | 4,378 |
| Net interest income | $1,002,000 | 6,471 |
| Provision for loan and lease losses | $1,836,000 | 839 |
| Total noninterest income | $91,000 | 6,778 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $46,000 | 6,062 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $45,000 | 6,281 |
| Total noninterest expense | $1,546,000 | 5,026 |
| Salaries and employee benefits | $612,000 | 5,989 |
| Premises and equipment expense | $119,000 | 6,405 |
| Additional noninterest expense | $815,000 | 3,312 |
| Pre-tax net operating income | $-2,289,000 | 8,193 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-777,000 | 8,245 |
| Income before extraordinary items | $-1,512,000 | 8,150 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,512,000 | 8,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $701,000 | 1,065 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,512,000 | 8,141 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,459,000 | 5,263 |
| Total interest expense | $831,000 | 4,411 |
| Net interest income | $628,000 | 5,986 |
| Provision for loan and lease losses | $1,175,000 | 559 |
| Total noninterest income | $44,000 | 6,842 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $26,000 | 5,880 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $18,000 | 6,579 |
| Total noninterest expense | $803,000 | 4,922 |
| Salaries and employee benefits | $289,000 | 6,196 |
| Premises and equipment expense | $60,000 | 6,417 |
| Additional noninterest expense | $454,000 | 2,952 |
| Pre-tax net operating income | $-1,306,000 | 8,312 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-444,000 | 8,350 |
| Income before extraordinary items | $-862,000 | 8,282 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-862,000 | 8,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $674,000 | 594 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-862,000 | 8,268 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,409,000 | 4,996 |
| Total interest expense | $3,990,000 | 4,015 |
| Net interest income | $2,419,000 | 6,063 |
| Provision for loan and lease losses | $1,437,000 | 1,092 |
| Total noninterest income | $258,000 | 6,329 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $81,000 | 6,291 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $177,000 | 5,297 |
| Total noninterest expense | $2,928,000 | 5,077 |
| Salaries and employee benefits | $1,501,000 | 5,301 |
| Premises and equipment expense | $251,000 | 6,249 |
| Additional noninterest expense | $1,176,000 | 4,136 |
| Pre-tax net operating income | $-1,688,000 | 8,234 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-570,000 | 8,338 |
| Income before extraordinary items | $-1,118,000 | 8,139 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,118,000 | 8,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $824,000 | 1,181 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,118,000 | 8,129 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,871,000 | 4,979 |
| Total interest expense | $3,002,000 | 4,024 |
| Net interest income | $1,869,000 | 6,022 |
| Provision for loan and lease losses | $1,166,000 | 792 |
| Total noninterest income | $217,000 | 6,153 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $64,000 | 6,263 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $153,000 | 5,051 |
| Total noninterest expense | $2,193,000 | 5,056 |
| Salaries and employee benefits | $1,154,000 | 5,213 |
| Premises and equipment expense | $190,000 | 6,196 |
| Additional noninterest expense | $849,000 | 4,198 |
| Pre-tax net operating income | $-1,273,000 | 8,345 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-430,000 | 8,420 |
| Income before extraordinary items | $-843,000 | 8,284 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-843,000 | 8,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $814,000 | 756 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-843,000 | 8,277 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,289,000 | 4,954 |
| Total interest expense | $2,011,000 | 4,009 |
| Net interest income | $1,278,000 | 5,988 |
| Provision for loan and lease losses | $668,000 | 805 |
| Total noninterest income | $96,000 | 6,903 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $46,000 | 6,201 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $50,000 | 6,275 |
| Total noninterest expense | $1,482,000 | 5,047 |
| Salaries and employee benefits | $782,000 | 5,204 |
| Premises and equipment expense | $127,000 | 6,230 |
| Additional noninterest expense | $573,000 | 4,150 |
| Pre-tax net operating income | $-776,000 | 8,400 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-261,000 | 8,489 |
| Income before extraordinary items | $-515,000 | 8,341 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-515,000 | 8,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 1,113 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-515,000 | 8,334 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,743,000 | 4,763 |
| Total interest expense | $1,041,000 | 3,907 |
| Net interest income | $702,000 | 5,748 |
| Provision for loan and lease losses | $395,000 | 633 |
| Total noninterest income | $47,000 | 6,914 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $22,000 | 6,225 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $25,000 | 6,275 |
| Total noninterest expense | $742,000 | 5,052 |
| Salaries and employee benefits | $402,000 | 5,149 |
| Premises and equipment expense | $66,000 | 6,178 |
| Additional noninterest expense | $274,000 | 4,233 |
| Pre-tax net operating income | $-388,000 | 8,468 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-132,000 | 8,532 |
| Income before extraordinary items | $-256,000 | 8,390 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-256,000 | 8,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 822 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-256,000 | 8,380 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,367,000 | 4,422 |
| Total interest expense | $3,779,000 | 3,730 |
| Net interest income | $3,588,000 | 4,971 |
| Provision for loan and lease losses | $866,000 | 1,195 |
| Total noninterest income | $346,000 | 5,901 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $72,000 | 6,550 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $274,000 | 4,479 |
| Total noninterest expense | $2,978,000 | 4,917 |
| Salaries and employee benefits | $1,466,000 | 5,277 |
| Premises and equipment expense | $299,000 | 5,755 |
| Additional noninterest expense | $1,213,000 | 3,898 |
| Pre-tax net operating income | $90,000 | 7,736 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $32,000 | 5,723 |
| Income before extraordinary items | $58,000 | 7,824 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $58,000 | 7,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 994 |
| Cash dividends | $250,000 | 4,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $58,000 | 7,817 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,479,000 | 4,433 |
| Total interest expense | $2,692,000 | 3,775 |
| Net interest income | $2,787,000 | 4,901 |
| Provision for loan and lease losses | $455,000 | 1,499 |
| Total noninterest income | $300,000 | 5,636 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $49,000 | 6,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $251,000 | 4,088 |
| Total noninterest expense | $2,250,000 | 4,863 |
| Salaries and employee benefits | $1,107,000 | 5,222 |
| Premises and equipment expense | $238,000 | 5,625 |
| Additional noninterest expense | $905,000 | 3,908 |
| Pre-tax net operating income | $382,000 | 6,680 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $130,000 | 4,652 |
| Income before extraordinary items | $252,000 | 6,967 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $252,000 | 6,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $529,000 | 770 |
| Cash dividends | $250,000 | 3,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $252,000 | 6,970 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,557,000 | 4,467 |
| Total interest expense | $1,735,000 | 3,749 |
| Net interest income | $1,822,000 | 4,990 |
| Provision for loan and lease losses | $358,000 | 1,284 |
| Total noninterest income | $218,000 | 5,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $32,000 | 6,791 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $186,000 | 3,880 |
| Total noninterest expense | $1,450,000 | 5,006 |
| Salaries and employee benefits | $731,000 | 5,277 |
| Premises and equipment expense | $158,000 | 5,646 |
| Additional noninterest expense | $561,000 | 4,121 |
| Pre-tax net operating income | $232,000 | 6,871 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $79,000 | 4,787 |
| Income before extraordinary items | $153,000 | 7,133 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $153,000 | 7,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 932 |
| Cash dividends | $250,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $153,000 | 7,147 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,731,000 | 4,491 |
| Total interest expense | $824,000 | 3,747 |
| Net interest income | $907,000 | 5,004 |
| Provision for loan and lease losses | $243,000 | 959 |
| Total noninterest income | $39,000 | 7,341 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $745,000 | 4,924 |
| Salaries and employee benefits | $371,000 | 5,253 |
| Premises and equipment expense | $79,000 | 5,661 |
| Additional noninterest expense | $295,000 | 3,946 |
| Pre-tax net operating income | $-42,000 | 8,364 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-15,000 | 8,547 |
| Income before extraordinary items | $-27,000 | 8,323 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-27,000 | 8,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 536 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-27,000 | 8,307 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,231,000 | 4,506 |
| Total interest expense | $2,379,000 | 3,955 |
| Net interest income | $3,852,000 | 4,741 |
| Provision for loan and lease losses | $688,000 | 1,456 |
| Total noninterest income | $266,000 | 6,551 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $71,000 | 6,730 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $195,000 | 5,217 |
| Total noninterest expense | $2,758,000 | 5,057 |
| Salaries and employee benefits | $1,176,000 | 5,861 |
| Premises and equipment expense | $332,000 | 5,449 |
| Additional noninterest expense | $1,250,000 | 3,741 |
| Pre-tax net operating income | $672,000 | 6,223 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $229,000 | 4,484 |
| Income before extraordinary items | $443,000 | 6,598 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $443,000 | 6,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $593,000 | 1,005 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $443,000 | 6,573 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,616,000 | 4,504 |
| Total interest expense | $1,687,000 | 3,968 |
| Net interest income | $2,929,000 | 4,720 |
| Provision for loan and lease losses | $283,000 | 2,289 |
| Total noninterest income | $263,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $56,000 | 6,708 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $207,000 | 4,538 |
| Total noninterest expense | $2,049,000 | 5,055 |
| Salaries and employee benefits | $903,000 | 5,755 |
| Premises and equipment expense | $251,000 | 5,425 |
| Additional noninterest expense | $895,000 | 3,827 |
| Pre-tax net operating income | $860,000 | 5,138 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $293,000 | 3,839 |
| Income before extraordinary items | $567,000 | 5,598 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $567,000 | 5,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 1,063 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $567,000 | 5,560 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,072,000 | 4,446 |
| Total interest expense | $1,098,000 | 3,872 |
| Net interest income | $1,974,000 | 4,660 |
| Provision for loan and lease losses | $272,000 | 1,665 |
| Total noninterest income | $111,000 | 6,907 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $36,000 | 6,751 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $75,000 | 5,733 |
| Total noninterest expense | $1,426,000 | 4,900 |
| Salaries and employee benefits | $629,000 | 5,593 |
| Premises and equipment expense | $169,000 | 5,376 |
| Additional noninterest expense | $628,000 | 3,662 |
| Pre-tax net operating income | $387,000 | 6,061 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $132,000 | 4,429 |
| Income before extraordinary items | $255,000 | 6,470 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $255,000 | 6,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 1,369 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $255,000 | 6,424 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 4,380 |
| Total interest expense | $522,000 | 3,904 |
| Net interest income | $1,024,000 | 4,540 |
| Provision for loan and lease losses | $32,000 | 3,873 |
| Total noninterest income | $79,000 | 6,196 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,679 |
| Total noninterest expense | $660,000 | 5,202 |
| Salaries and employee benefits | $299,000 | 5,793 |
| Premises and equipment expense | $85,000 | 5,390 |
| Additional noninterest expense | $276,000 | 4,053 |
| Pre-tax net operating income | $411,000 | 4,197 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $140,000 | 3,214 |
| Income before extraordinary items | $271,000 | 4,655 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $271,000 | 4,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 738 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $271,000 | 4,616 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,624,000 | 4,474 |
| Total interest expense | $1,681,000 | 4,177 |
| Net interest income | $3,943,000 | 4,525 |
| Provision for loan and lease losses | $252,000 | 3,227 |
| Total noninterest income | $162,000 | 7,493 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $89,000 | 6,629 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $73,000 | 6,924 |
| Total noninterest expense | $2,537,000 | 5,253 |
| Salaries and employee benefits | $1,173,000 | 5,760 |
| Premises and equipment expense | $354,000 | 5,169 |
| Additional noninterest expense | $1,010,000 | 4,310 |
| Pre-tax net operating income | $1,316,000 | 4,563 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $449,000 | 3,517 |
| Income before extraordinary items | $867,000 | 5,073 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $867,000 | 5,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,392 |
| Cash dividends | $825,000 | 2,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $867,000 | 5,003 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,108,000 | 4,526 |
| Total interest expense | $1,203,000 | 4,273 |
| Net interest income | $2,905,000 | 4,580 |
| Provision for loan and lease losses | $230,000 | 2,721 |
| Total noninterest income | $134,000 | 7,389 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $72,000 | 6,590 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $62,000 | 6,751 |
| Total noninterest expense | $1,904,000 | 5,207 |
| Salaries and employee benefits | $888,000 | 5,695 |
| Premises and equipment expense | $270,000 | 5,086 |
| Additional noninterest expense | $746,000 | 4,308 |
| Pre-tax net operating income | $905,000 | 4,862 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $309,000 | 3,744 |
| Income before extraordinary items | $596,000 | 5,382 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $596,000 | 5,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,743 |
| Cash dividends | $619,000 | 2,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $596,000 | 5,290 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,674,000 | 4,607 |
| Total interest expense | $784,000 | 4,340 |
| Net interest income | $1,890,000 | 4,660 |
| Provision for loan and lease losses | $218,000 | 2,062 |
| Total noninterest income | $96,000 | 7,312 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $46,000 | 6,661 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $50,000 | 6,428 |
| Total noninterest expense | $1,295,000 | 5,153 |
| Salaries and employee benefits | $607,000 | 5,659 |
| Premises and equipment expense | $185,000 | 5,027 |
| Additional noninterest expense | $503,000 | 4,291 |
| Pre-tax net operating income | $473,000 | 5,452 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $161,000 | 4,136 |
| Income before extraordinary items | $312,000 | 5,949 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $312,000 | 5,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,012 |
| Cash dividends | $413,000 | 2,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $312,000 | 5,857 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,373,000 | 4,552 |
| Total interest expense | $404,000 | 4,294 |
| Net interest income | $969,000 | 4,577 |
| Provision for loan and lease losses | $66,000 | 2,819 |
| Total noninterest income | $55,000 | 7,060 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $25,000 | 6,482 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $30,000 | 6,109 |
| Total noninterest expense | $648,000 | 5,179 |
| Salaries and employee benefits | $299,000 | 5,743 |
| Premises and equipment expense | $93,000 | 5,051 |
| Additional noninterest expense | $256,000 | 4,241 |
| Pre-tax net operating income | $310,000 | 4,738 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $106,000 | 3,688 |
| Income before extraordinary items | $204,000 | 5,289 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $204,000 | 5,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $206,000 | 2,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $204,000 | 5,174 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,520,000 | 4,559 |
| Total interest expense | $1,903,000 | 4,175 |
| Net interest income | $3,617,000 | 4,689 |
| Provision for loan and lease losses | $1,083,000 | 1,103 |
| Total noninterest income | $182,000 | 7,503 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $116,000 | 6,326 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $66,000 | 7,202 |
| Total noninterest expense | $2,318,000 | 5,491 |
| Salaries and employee benefits | $1,058,000 | 6,062 |
| Premises and equipment expense | $357,000 | 5,106 |
| Additional noninterest expense | $903,000 | 4,618 |
| Pre-tax net operating income | $398,000 | 7,053 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $136,000 | 5,398 |
| Income before extraordinary items | $262,000 | 7,461 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $262,000 | 7,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,117,000 | 842 |
| Cash dividends | $825,000 | 2,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $262,000 | 7,318 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,108,000 | 4,636 |
| Total interest expense | $1,465,000 | 4,217 |
| Net interest income | $2,643,000 | 4,775 |
| Provision for loan and lease losses | $1,024,000 | 885 |
| Total noninterest income | $119,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $88,000 | 6,353 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 7,823 |
| Total noninterest expense | $1,785,000 | 5,365 |
| Salaries and employee benefits | $835,000 | 5,869 |
| Premises and equipment expense | $267,000 | 5,106 |
| Additional noninterest expense | $683,000 | 4,546 |
| Pre-tax net operating income | $-47,000 | 8,715 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-15,000 | 8,939 |
| Income before extraordinary items | $-32,000 | 8,781 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-32,000 | 8,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,110,000 | 643 |
| Cash dividends | $619,000 | 2,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-32,000 | 8,691 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,741,000 | 4,673 |
| Total interest expense | $1,025,000 | 4,170 |
| Net interest income | $1,716,000 | 4,866 |
| Provision for loan and lease losses | $844,000 | 738 |
| Total noninterest income | $108,000 | 7,253 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $60,000 | 6,305 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $48,000 | 6,645 |
| Total noninterest expense | $1,198,000 | 5,339 |
| Salaries and employee benefits | $557,000 | 5,863 |
| Premises and equipment expense | $179,000 | 5,067 |
| Additional noninterest expense | $462,000 | 4,505 |
| Pre-tax net operating income | $-218,000 | 8,936 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-74,000 | 9,111 |
| Income before extraordinary items | $-144,000 | 8,959 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-144,000 | 8,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $843,000 | 576 |
| Cash dividends | $413,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-144,000 | 8,880 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,308,000 | 4,852 |
| Total interest expense | $493,000 | 4,381 |
| Net interest income | $815,000 | 5,023 |
| Provision for loan and lease losses | $350,000 | 821 |
| Total noninterest income | $64,000 | 6,903 |
| 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 | $30,000 | 6,231 |
| Total noninterest expense | $572,000 | 5,504 |
| Salaries and employee benefits | $269,000 | 5,991 |
| Premises and equipment expense | $88,000 | 5,119 |
| Additional noninterest expense | $215,000 | 4,716 |
| Pre-tax net operating income | $-43,000 | 8,870 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-14,000 | 9,093 |
| Income before extraordinary items | $-29,000 | 8,908 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-29,000 | 8,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 640 |
| Cash dividends | $206,000 | 2,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-29,000 | 8,810 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,629,000 | 4,754 |
| Total interest expense | $2,181,000 | 4,532 |
| Net interest income | $3,448,000 | 4,799 |
| Provision for loan and lease losses | $748,000 | 1,736 |
| Total noninterest income | $183,000 | 7,489 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $102,000 | 6,545 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $81,000 | 6,848 |
| Total noninterest expense | $2,079,000 | 5,749 |
| Salaries and employee benefits | $933,000 | 6,384 |
| Premises and equipment expense | $320,000 | 5,360 |
| Additional noninterest expense | $826,000 | 4,817 |
| Pre-tax net operating income | $804,000 | 5,758 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $274,000 | 4,596 |
| Income before extraordinary items | $530,000 | 6,259 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $530,000 | 6,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $700,000 | 1,279 |
| Cash dividends | $825,000 | 2,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $530,000 | 6,114 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,144,000 | 3,963 |
| Total interest expense | $4,550,000 | 3,417 |
| Net interest income | $3,594,000 | 4,478 |
| Provision for loan and lease losses | $124,000 | 5,138 |
| Total noninterest income | $220,000 | 7,122 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $104,000 | 6,509 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $116,000 | 6,082 |
| Total noninterest expense | $1,944,000 | 5,847 |
| Salaries and employee benefits | $817,000 | 6,708 |
| Premises and equipment expense | $272,000 | 5,840 |
| Additional noninterest expense | $855,000 | 4,578 |
| Pre-tax net operating income | $1,746,000 | 3,501 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $601,000 | 2,966 |
| Income before extraordinary items | $1,145,000 | 3,924 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,145,000 | 3,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $400,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,145,000 | 3,791 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,081,000 | 3,698 |
| Total interest expense | $5,265,000 | 3,166 |
| Net interest income | $3,816,000 | 4,335 |
| Provision for loan and lease losses | $276,000 | 3,030 |
| Total noninterest income | $217,000 | 7,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 5,630 |
| Total noninterest expense | $1,886,000 | 5,889 |
| Salaries and employee benefits | $827,000 | 6,600 |
| Premises and equipment expense | $267,000 | 5,811 |
| Additional noninterest expense | $792,000 | 4,777 |
| Pre-tax net operating income | $1,871,000 | 3,483 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $659,000 | 2,927 |
| Income before extraordinary items | $1,212,000 | 3,837 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,212,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,212,000 | 3,823 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,405,000 | 4,734 |
| Total interest expense | $3,618,000 | 3,927 |
| Net interest income | $2,787,000 | 5,442 |
| Provision for loan and lease losses | $291,000 | 2,746 |
| Total noninterest income | $207,000 | 7,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 7,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 5,980 |
| Total noninterest expense | $1,622,000 | 6,480 |
| Salaries and employee benefits | $724,000 | 7,121 |
| Premises and equipment expense | $229,000 | 6,370 |
| Additional noninterest expense | $669,000 | 5,415 |
| Pre-tax net operating income | $1,081,000 | 5,070 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $369,000 | 4,365 |
| Income before extraordinary items | $712,000 | 5,404 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $712,000 | 5,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $712,000 | 5,375 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,212,000 | 6,292 |
| Total interest expense | $2,416,000 | 5,496 |
| Net interest income | $1,796,000 | 7,064 |
| Provision for loan and lease losses | $209,000 | 3,435 |
| Total noninterest income | $126,000 | 8,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,189 |
| Total noninterest expense | $1,223,000 | 7,478 |
| Salaries and employee benefits | $565,000 | 7,954 |
| Premises and equipment expense | $200,000 | 6,717 |
| Additional noninterest expense | $458,000 | 6,735 |
| Pre-tax net operating income | $490,000 | 7,419 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $63,000 | 8,107 |
| Income before extraordinary items | $427,000 | 7,053 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $427,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $427,000 | 6,953 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,034,000 | 8,971 |
| Total interest expense | $1,081,000 | 8,459 |
| Net interest income | $953,000 | 9,299 |
| Provision for loan and lease losses | $140,000 | 4,290 |
| Total noninterest income | $41,000 | 10,427 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,359 |
| Total noninterest expense | $979,000 | 8,421 |
| Salaries and employee benefits | $413,000 | 9,176 |
| Premises and equipment expense | $176,000 | 7,266 |
| Additional noninterest expense | $390,000 | 7,438 |
| Pre-tax net operating income | $-125,000 | 10,510 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-125,000 | 10,551 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-125,000 | 10,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-125,000 | 10,524 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $173,000 | 11,382 |
| Total interest expense | $57,000 | 11,360 |
| Net interest income | $116,000 | 11,385 |
| Provision for loan and lease losses | $59,000 | 6,328 |
| Total noninterest income | $5,000 | 11,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,246 |
| Total noninterest expense | $244,000 | 11,320 |
| Salaries and employee benefits | $117,000 | 11,325 |
| Premises and equipment expense | $46,000 | 10,757 |
| Additional noninterest expense | $81,000 | 11,243 |
| Pre-tax net operating income | $-182,000 | 11,053 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-182,000 | 11,091 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-182,000 | 11,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $3,708,000 | 195 |
| Net operating income | $-182,000 | 11,053 |
* 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.