Home > Marine Bank > Income and Expense
Marine Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $18,195,000 | 1,636 |
| Total interest expense | $8,513,000 | 1,493 |
| Net interest income | $9,682,000 | 1,737 |
| Provision for loan and lease losses | $4,148,000 | 737 |
| Total noninterest income | $2,144,000 | 1,692 |
| Gross Fiduciary activities income | $35,000 | 982 |
| Service charges on deposit accounts | $544,000 | 2,302 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,565,000 | 1,322 |
| Total noninterest expense | $10,242,000 | 1,415 |
| Salaries and employee benefits | $4,095,000 | 1,889 |
| Premises and equipment expense | $1,831,000 | 1,138 |
| Additional noninterest expense | $4,316,000 | 1,063 |
| Pre-tax net operating income | $-2,564,000 | 7,950 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,109,000 | 8,073 |
| Income before extraordinary items | $-1,455,000 | 7,687 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,455,000 | 7,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,565,000 | 710 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,455,000 | 7,786 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,534,000 | 1,614 |
| Total interest expense | $5,812,000 | 1,515 |
| Net interest income | $6,722,000 | 1,673 |
| Provision for loan and lease losses | $3,398,000 | 557 |
| Total noninterest income | $1,385,000 | 1,746 |
| Gross Fiduciary activities income | $32,000 | 958 |
| Service charges on deposit accounts | $356,000 | 2,320 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $997,000 | 1,399 |
| Total noninterest expense | $6,855,000 | 1,400 |
| Salaries and employee benefits | $2,803,000 | 1,868 |
| Premises and equipment expense | $1,208,000 | 1,149 |
| Additional noninterest expense | $2,844,000 | 1,055 |
| Pre-tax net operating income | $-2,146,000 | 8,176 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-909,000 | 8,262 |
| Income before extraordinary items | $-1,237,000 | 8,082 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,237,000 | 8,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,949,000 | 567 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,237,000 | 8,071 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,346,000 | 1,637 |
| Total interest expense | $3,093,000 | 1,524 |
| Net interest income | $3,253,000 | 1,706 |
| Provision for loan and lease losses | $3,398,000 | 281 |
| Total noninterest income | $868,000 | 1,477 |
| Gross Fiduciary activities income | $16,000 | 972 |
| Service charges on deposit accounts | $176,000 | 2,306 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $676,000 | 1,148 |
| Total noninterest expense | $3,741,000 | 1,289 |
| Salaries and employee benefits | $1,411,000 | 1,867 |
| Premises and equipment expense | $598,000 | 1,161 |
| Additional noninterest expense | $1,732,000 | 832 |
| Pre-tax net operating income | $-3,018,000 | 8,403 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-1,207,000 | 8,408 |
| Income before extraordinary items | $-1,811,000 | 8,374 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,811,000 | 8,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 964 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,811,000 | 8,369 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,590,000 | 1,621 |
| Total interest expense | $13,127,000 | 1,531 |
| Net interest income | $13,463,000 | 1,679 |
| Provision for loan and lease losses | $1,966,000 | 856 |
| Total noninterest income | $3,091,000 | 1,602 |
| Gross Fiduciary activities income | $47,000 | 1,024 |
| Service charges on deposit accounts | $577,000 | 2,756 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,467,000 | 1,171 |
| Total noninterest expense | $12,828,000 | 1,442 |
| Salaries and employee benefits | $5,553,000 | 1,818 |
| Premises and equipment expense | $2,363,000 | 1,128 |
| Additional noninterest expense | $4,912,000 | 1,157 |
| Pre-tax net operating income | $1,760,000 | 3,590 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $502,000 | 2,732 |
| Income before extraordinary items | $1,258,000 | 3,843 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,258,000 | 3,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,643 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,258,000 | 3,827 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,936,000 | 1,617 |
| Total interest expense | $9,754,000 | 1,547 |
| Net interest income | $10,182,000 | 1,669 |
| Provision for loan and lease losses | $260,000 | 2,550 |
| Total noninterest income | $2,401,000 | 1,571 |
| Gross Fiduciary activities income | $33,000 | 1,015 |
| Service charges on deposit accounts | $400,000 | 2,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,968,000 | 1,130 |
| Total noninterest expense | $9,702,000 | 1,409 |
| Salaries and employee benefits | $4,223,000 | 1,792 |
| Premises and equipment expense | $1,747,000 | 1,139 |
| Additional noninterest expense | $3,732,000 | 1,101 |
| Pre-tax net operating income | $2,621,000 | 2,347 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $879,000 | 1,785 |
| Income before extraordinary items | $1,742,000 | 2,664 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,742,000 | 2,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,905 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,742,000 | 2,642 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,384,000 | 1,629 |
| Total interest expense | $6,385,000 | 1,579 |
| Net interest income | $6,999,000 | 1,645 |
| Provision for loan and lease losses | $200,000 | 2,152 |
| Total noninterest income | $1,723,000 | 1,501 |
| Gross Fiduciary activities income | $13,000 | 1,102 |
| Service charges on deposit accounts | $263,000 | 2,925 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,447,000 | 1,073 |
| Total noninterest expense | $6,470,000 | 1,426 |
| Salaries and employee benefits | $2,845,000 | 1,805 |
| Premises and equipment expense | $1,120,000 | 1,194 |
| Additional noninterest expense | $2,505,000 | 1,116 |
| Pre-tax net operating income | $2,052,000 | 2,107 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $704,000 | 1,648 |
| Income before extraordinary items | $1,348,000 | 2,403 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,348,000 | 2,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,719 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,348,000 | 2,386 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,652,000 | 1,634 |
| Total interest expense | $3,198,000 | 1,549 |
| Net interest income | $3,454,000 | 1,667 |
| Provision for loan and lease losses | $105,000 | 1,929 |
| Total noninterest income | $748,000 | 1,647 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $133,000 | 2,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $614,000 | 1,179 |
| Total noninterest expense | $2,948,000 | 1,557 |
| Salaries and employee benefits | $1,376,000 | 1,866 |
| Premises and equipment expense | $467,000 | 1,434 |
| Additional noninterest expense | $1,105,000 | 1,229 |
| Pre-tax net operating income | $1,149,000 | 1,934 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $399,000 | 1,524 |
| Income before extraordinary items | $750,000 | 2,180 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $750,000 | 2,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,972 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $750,000 | 2,171 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,279,000 | 1,733 |
| Total interest expense | $9,840,000 | 1,700 |
| Net interest income | $13,439,000 | 1,710 |
| Provision for loan and lease losses | $215,000 | 3,400 |
| Total noninterest income | $1,718,000 | 2,465 |
| Gross Fiduciary activities income | $33,000 | 1,089 |
| Service charges on deposit accounts | $609,000 | 2,657 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,076,000 | 2,110 |
| Total noninterest expense | $10,087,000 | 1,767 |
| Salaries and employee benefits | $5,245,000 | 1,857 |
| Premises and equipment expense | $1,757,000 | 1,462 |
| Additional noninterest expense | $3,085,000 | 1,711 |
| Pre-tax net operating income | $4,855,000 | 1,941 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,821,000 | 1,430 |
| Income before extraordinary items | $3,034,000 | 2,261 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,034,000 | 2,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,716 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,034,000 | 2,243 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,832,000 | 1,789 |
| Total interest expense | $6,909,000 | 1,772 |
| Net interest income | $9,923,000 | 1,752 |
| Provision for loan and lease losses | $75,000 | 4,564 |
| Total noninterest income | $1,216,000 | 2,579 |
| Gross Fiduciary activities income | $31,000 | 1,047 |
| Service charges on deposit accounts | $463,000 | 2,632 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $722,000 | 2,284 |
| Total noninterest expense | $7,377,000 | 1,809 |
| Salaries and employee benefits | $3,938,000 | 1,851 |
| Premises and equipment expense | $1,246,000 | 1,562 |
| Additional noninterest expense | $2,193,000 | 1,776 |
| Pre-tax net operating income | $3,687,000 | 1,975 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,391,000 | 1,467 |
| Income before extraordinary items | $2,296,000 | 2,311 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,296,000 | 2,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,296,000 | 2,297 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,711,000 | 1,838 |
| Total interest expense | $4,277,000 | 1,801 |
| Net interest income | $6,434,000 | 1,811 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $870,000 | 2,455 |
| Gross Fiduciary activities income | $27,000 | 1,028 |
| Service charges on deposit accounts | $323,000 | 2,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $520,000 | 2,159 |
| Total noninterest expense | $4,890,000 | 1,823 |
| Salaries and employee benefits | $2,594,000 | 1,879 |
| Premises and equipment expense | $762,000 | 1,678 |
| Additional noninterest expense | $1,534,000 | 1,723 |
| Pre-tax net operating income | $2,414,000 | 2,015 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $914,000 | 1,500 |
| Income before extraordinary items | $1,500,000 | 2,341 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,500,000 | 2,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,500,000 | 2,325 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,146,000 | 1,865 |
| Total interest expense | $1,948,000 | 1,871 |
| Net interest income | $3,198,000 | 1,804 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $421,000 | 2,473 |
| Gross Fiduciary activities income | $6,000 | 1,135 |
| Service charges on deposit accounts | $171,000 | 2,326 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $244,000 | 2,226 |
| Total noninterest expense | $2,343,000 | 1,903 |
| Salaries and employee benefits | $1,257,000 | 1,952 |
| Premises and equipment expense | $355,000 | 1,789 |
| Additional noninterest expense | $731,000 | 1,787 |
| Pre-tax net operating income | $1,276,000 | 1,876 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $489,000 | 1,425 |
| Income before extraordinary items | $787,000 | 2,234 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $787,000 | 2,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $787,000 | 2,210 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,342,000 | 3,067 |
| Total interest expense | $3,836,000 | 2,744 |
| Net interest income | $6,506,000 | 3,207 |
| Provision for loan and lease losses | $693,000 | 1,443 |
| Total noninterest income | $1,101,000 | 3,330 |
| Gross Fiduciary activities income | $29,000 | 1,122 |
| Service charges on deposit accounts | $434,000 | 3,358 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $638,000 | 2,949 |
| Total noninterest expense | $4,878,000 | 3,303 |
| Salaries and employee benefits | $2,566,000 | 3,409 |
| Premises and equipment expense | $703,000 | 3,215 |
| Additional noninterest expense | $1,609,000 | 3,063 |
| Pre-tax net operating income | $2,036,000 | 3,640 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $765,000 | 2,672 |
| Income before extraordinary items | $1,271,000 | 4,204 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,271,000 | 4,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,271,000 | 4,182 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,606,000 | 3,898 |
| Total interest expense | $2,060,000 | 3,434 |
| Net interest income | $3,546,000 | 4,120 |
| Provision for loan and lease losses | $170,000 | 3,297 |
| Total noninterest income | $655,000 | 3,870 |
| Gross Fiduciary activities income | $3,000 | 1,346 |
| Service charges on deposit accounts | $247,000 | 3,988 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $405,000 | 3,255 |
| Total noninterest expense | $2,684,000 | 4,180 |
| Salaries and employee benefits | $1,484,000 | 4,133 |
| Premises and equipment expense | $348,000 | 4,381 |
| Additional noninterest expense | $852,000 | 3,991 |
| Pre-tax net operating income | $1,347,000 | 4,034 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $502,000 | 2,929 |
| Income before extraordinary items | $845,000 | 4,612 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $845,000 | 4,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $100,000 | 4,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $845,000 | 4,570 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,292,000 | 6,915 |
| Total interest expense | $449,000 | 6,316 |
| Net interest income | $843,000 | 7,075 |
| Provision for loan and lease losses | $13,000 | 5,966 |
| Total noninterest income | $174,000 | 6,046 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $62,000 | 5,950 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $111,000 | 4,976 |
| Total noninterest expense | $689,000 | 7,103 |
| Salaries and employee benefits | $393,000 | 6,964 |
| Premises and equipment expense | $89,000 | 6,941 |
| Additional noninterest expense | $207,000 | 7,008 |
| Pre-tax net operating income | $315,000 | 6,503 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $130,000 | 4,458 |
| Income before extraordinary items | $185,000 | 7,041 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $185,000 | 7,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $185,000 | 7,004 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,443,000 | 2,241 |
| Total interest expense | $1,077,000 | 2,177 |
| Net interest income | $2,366,000 | 2,273 |
| Provision for loan and lease losses | $161,000 | 1,324 |
| Total noninterest income | $403,000 | 2,475 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $298,000 | 1,380 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $105,000 | 3,636 |
| Total noninterest expense | $1,860,000 | 2,226 |
| Salaries and employee benefits | $1,019,000 | 2,234 |
| Premises and equipment expense | $240,000 | 2,439 |
| Additional noninterest expense | $601,000 | 2,038 |
| Pre-tax net operating income | $748,000 | 2,711 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $292,000 | 2,012 |
| Income before extraordinary items | $456,000 | 3,278 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $456,000 | 3,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $456,000 | 3,238 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,378,000 | 2,740 |
| Total interest expense | $2,996,000 | 2,637 |
| Net interest income | $7,382,000 | 2,746 |
| Provision for loan and lease losses | $821,000 | 1,257 |
| Total noninterest income | $1,786,000 | 2,382 |
| Gross Fiduciary activities income | $20,000 | 1,199 |
| Service charges on deposit accounts | $710,000 | 2,345 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,056,000 | 2,064 |
| Total noninterest expense | $6,167,000 | 2,565 |
| Salaries and employee benefits | $3,514,000 | 2,479 |
| Premises and equipment expense | $938,000 | 2,431 |
| Additional noninterest expense | $1,715,000 | 2,784 |
| Pre-tax net operating income | $2,180,000 | 3,320 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $818,000 | 2,492 |
| Income before extraordinary items | $1,362,000 | 3,873 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,362,000 | 3,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,948 |
| Cash dividends | $400,000 | 3,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,362,000 | 3,813 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,348,000 | 2,851 |
| Total interest expense | $2,066,000 | 2,770 |
| Net interest income | $5,282,000 | 2,841 |
| Provision for loan and lease losses | $507,000 | 1,439 |
| Total noninterest income | $1,255,000 | 2,501 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $519,000 | 2,422 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $736,000 | 2,198 |
| Total noninterest expense | $4,487,000 | 2,618 |
| Salaries and employee benefits | $2,547,000 | 2,537 |
| Premises and equipment expense | $688,000 | 2,459 |
| Additional noninterest expense | $1,252,000 | 2,817 |
| Pre-tax net operating income | $1,543,000 | 3,506 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $584,000 | 2,617 |
| Income before extraordinary items | $959,000 | 4,109 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $959,000 | 4,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,358 |
| Cash dividends | $265,000 | 3,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $959,000 | 4,042 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,691,000 | 2,952 |
| Total interest expense | $1,284,000 | 2,923 |
| Net interest income | $3,407,000 | 2,930 |
| Provision for loan and lease losses | $208,000 | 2,144 |
| Total noninterest income | $852,000 | 2,481 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $325,000 | 2,539 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $527,000 | 2,108 |
| Total noninterest expense | $3,004,000 | 2,608 |
| Salaries and employee benefits | $1,697,000 | 2,535 |
| Premises and equipment expense | $443,000 | 2,544 |
| Additional noninterest expense | $864,000 | 2,729 |
| Pre-tax net operating income | $1,047,000 | 3,430 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $397,000 | 2,580 |
| Income before extraordinary items | $650,000 | 4,022 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $650,000 | 4,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,422 |
| Cash dividends | $150,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $650,000 | 3,942 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,249,000 | 3,070 |
| Total interest expense | $604,000 | 3,102 |
| Net interest income | $1,645,000 | 3,015 |
| Provision for loan and lease losses | $83,000 | 2,440 |
| Total noninterest income | $372,000 | 2,672 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $161,000 | 2,527 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $211,000 | 2,389 |
| Total noninterest expense | $1,449,000 | 2,717 |
| Salaries and employee benefits | $814,000 | 2,639 |
| Premises and equipment expense | $213,000 | 2,655 |
| Additional noninterest expense | $422,000 | 2,763 |
| Pre-tax net operating income | $485,000 | 3,606 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $183,000 | 2,718 |
| Income before extraordinary items | $302,000 | 4,248 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $302,000 | 4,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $302,000 | 4,125 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,186,000 | 3,370 |
| Total interest expense | $2,185,000 | 3,737 |
| Net interest income | $6,001,000 | 3,188 |
| Provision for loan and lease losses | $451,000 | 2,350 |
| Total noninterest income | $1,362,000 | 3,031 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $509,000 | 3,043 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $853,000 | 2,630 |
| Total noninterest expense | $5,647,000 | 2,750 |
| Salaries and employee benefits | $3,386,000 | 2,486 |
| Premises and equipment expense | $872,000 | 2,560 |
| Additional noninterest expense | $1,389,000 | 3,301 |
| Pre-tax net operating income | $1,265,000 | 4,549 |
| Securities gains (losses) | $-3,000 | 8,643 |
| Applicable income taxes | $465,000 | 3,504 |
| Income before extraordinary items | $797,000 | 5,252 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $797,000 | 5,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,724 |
| Cash dividends | $487,000 | 3,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $798,920 | 5,078 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,792,000 | 3,583 |
| Total interest expense | $1,598,000 | 3,947 |
| Net interest income | $4,194,000 | 3,388 |
| Provision for loan and lease losses | $356,000 | 2,233 |
| Total noninterest income | $1,161,000 | 2,853 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $346,000 | 3,306 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $815,000 | 2,346 |
| Total noninterest expense | $4,255,000 | 2,741 |
| Salaries and employee benefits | $2,494,000 | 2,526 |
| Premises and equipment expense | $640,000 | 2,612 |
| Additional noninterest expense | $1,121,000 | 3,076 |
| Pre-tax net operating income | $744,000 | 5,340 |
| Securities gains (losses) | $-3,000 | 8,827 |
| Applicable income taxes | $284,000 | 4,018 |
| Income before extraordinary items | $457,000 | 6,061 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $457,000 | 6,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $387,000 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $458,920 | 5,881 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,716,000 | 3,707 |
| Total interest expense | $1,057,000 | 4,071 |
| Net interest income | $2,659,000 | 3,526 |
| Provision for loan and lease losses | $226,000 | 2,301 |
| Total noninterest income | $752,000 | 2,876 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $225,000 | 3,332 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $527,000 | 2,376 |
| Total noninterest expense | $2,865,000 | 2,711 |
| Salaries and employee benefits | $1,652,000 | 2,543 |
| Premises and equipment expense | $416,000 | 2,678 |
| Additional noninterest expense | $797,000 | 2,878 |
| Pre-tax net operating income | $320,000 | 6,362 |
| Securities gains (losses) | $-3,000 | 8,957 |
| Applicable income taxes | $122,000 | 4,838 |
| Income before extraordinary items | $195,000 | 7,011 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $195,000 | 7,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $255,000 | 3,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $196,920 | 6,807 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,814,000 | 3,796 |
| Total interest expense | $506,000 | 4,308 |
| Net interest income | $1,308,000 | 3,560 |
| Provision for loan and lease losses | $57,000 | 3,503 |
| Total noninterest income | $314,000 | 3,147 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $115,000 | 3,184 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $199,000 | 2,724 |
| Total noninterest expense | $1,434,000 | 2,695 |
| Salaries and employee benefits | $898,000 | 2,338 |
| Premises and equipment expense | $216,000 | 2,589 |
| Additional noninterest expense | $320,000 | 3,457 |
| Pre-tax net operating income | $131,000 | 6,743 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $52,000 | 5,042 |
| Income before extraordinary items | $79,000 | 7,311 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $155,000 | 2,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $79,000 | 7,156 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,868,000 | 4,113 |
| Total interest expense | $2,218,000 | 4,491 |
| Net interest income | $4,650,000 | 3,881 |
| Provision for loan and lease losses | $197,000 | 4,397 |
| Total noninterest income | $1,298,000 | 2,914 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $411,000 | 3,472 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $887,000 | 2,349 |
| Total noninterest expense | $4,791,000 | 3,036 |
| Salaries and employee benefits | $2,589,000 | 3,031 |
| Premises and equipment expense | $758,000 | 2,795 |
| Additional noninterest expense | $1,444,000 | 3,045 |
| Pre-tax net operating income | $960,000 | 5,312 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $320,000 | 4,332 |
| Income before extraordinary items | $640,000 | 5,794 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $640,000 | 5,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,606 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $640,000 | 5,665 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,575,000 | 4,639 |
| Total interest expense | $2,824,000 | 4,952 |
| Net interest income | $3,751,000 | 4,339 |
| Provision for loan and lease losses | $135,000 | 4,984 |
| Total noninterest income | $838,000 | 3,730 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $306,000 | 4,118 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $532,000 | 3,021 |
| Total noninterest expense | $3,892,000 | 3,511 |
| Salaries and employee benefits | $2,033,000 | 3,551 |
| Premises and equipment expense | $682,000 | 3,015 |
| Additional noninterest expense | $1,177,000 | 3,558 |
| Pre-tax net operating income | $562,000 | 6,317 |
| Securities gains (losses) | $5,000 | 3,927 |
| Applicable income taxes | $166,000 | 5,305 |
| Income before extraordinary items | $401,000 | 6,572 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $401,000 | 6,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $397,450 | 6,461 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,011,000 | 5,075 |
| Total interest expense | $2,901,000 | 5,050 |
| Net interest income | $3,110,000 | 5,022 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $496,000 | 4,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 4,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $278,000 | 4,075 |
| Total noninterest expense | $2,956,000 | 4,286 |
| Salaries and employee benefits | $1,492,000 | 4,373 |
| Premises and equipment expense | $494,000 | 3,827 |
| Additional noninterest expense | $970,000 | 4,076 |
| Pre-tax net operating income | $650,000 | 6,410 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $244,000 | 5,033 |
| Income before extraordinary items | $406,000 | 6,818 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $406,000 | 6,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,623 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $406,000 | 6,823 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,683,000 | 5,805 |
| Total interest expense | $1,898,000 | 6,182 |
| Net interest income | $2,785,000 | 5,448 |
| Provision for loan and lease losses | $172,000 | 3,944 |
| Total noninterest income | $456,000 | 5,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,303 |
| Total noninterest expense | $2,602,000 | 4,731 |
| Salaries and employee benefits | $1,290,000 | 4,901 |
| Premises and equipment expense | $482,000 | 3,888 |
| Additional noninterest expense | $830,000 | 4,652 |
| Pre-tax net operating income | $467,000 | 7,288 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $153,000 | 6,242 |
| Income before extraordinary items | $314,000 | 7,507 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $314,000 | 7,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $314,000 | 7,479 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,425,000 | 7,035 |
| Total interest expense | $1,356,000 | 7,524 |
| Net interest income | $2,069,000 | 6,541 |
| Provision for loan and lease losses | $122,000 | 4,587 |
| Total noninterest income | $357,000 | 5,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $240,000 | 4,513 |
| Total noninterest expense | $2,107,000 | 5,390 |
| Salaries and employee benefits | $1,089,000 | 5,449 |
| Premises and equipment expense | $393,000 | 4,482 |
| Additional noninterest expense | $625,000 | 5,592 |
| Pre-tax net operating income | $197,000 | 8,912 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $209,000 | 8,555 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $209,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,250,000 | 439 |
| Net operating income | $197,000 | 8,572 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,466,000 | 8,417 |
| Total interest expense | $1,011,000 | 8,658 |
| Net interest income | $1,455,000 | 8,088 |
| Provision for loan and lease losses | $143,000 | 4,265 |
| Total noninterest income | $165,000 | 8,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 7,424 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,536 |
| Total noninterest expense | $1,327,000 | 7,243 |
| Salaries and employee benefits | $694,000 | 7,350 |
| Premises and equipment expense | $202,000 | 6,803 |
| Additional noninterest expense | $431,000 | 7,093 |
| Pre-tax net operating income | $150,000 | 9,844 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $150,000 | 9,588 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $150,000 | 9,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $1,193,000 | 441 |
| Net operating income | $150,000 | 9,546 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,590,000 | 9,993 |
| Total interest expense | $534,000 | 10,480 |
| Net interest income | $1,056,000 | 9,402 |
| Provision for loan and lease losses | $104,000 | 5,004 |
| Total noninterest income | $127,000 | 9,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 7,775 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 9,409 |
| Total noninterest expense | $1,133,000 | 8,218 |
| Salaries and employee benefits | $537,000 | 8,601 |
| Premises and equipment expense | $235,000 | 6,465 |
| Additional noninterest expense | $361,000 | 8,252 |
| Pre-tax net operating income | $-54,000 | 10,901 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-54,000 | 10,933 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-54,000 | 10,930 |
| 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 | $0 | 953 |
| Net operating income | $-54,000 | 10,891 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $647,000 | 11,676 |
| Total interest expense | $204,000 | 11,750 |
| Net interest income | $443,000 | 11,515 |
| Provision for loan and lease losses | $86,000 | 4,934 |
| Total noninterest income | $44,000 | 11,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 9,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $1,413,000 | 7,548 |
| Salaries and employee benefits | $489,000 | 9,211 |
| Premises and equipment expense | $427,000 | 4,282 |
| Additional noninterest expense | $497,000 | 7,276 |
| Pre-tax net operating income | $-1,012,000 | 11,877 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-1,012,000 | 11,865 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-1,012,000 | 11,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $3,940,000 | 131 |
| Net operating income | $-1,012,000 | 11,861 |
* 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.