Home > Michigan Heritage Bank > Income and Expense
Michigan Heritage Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,191,000 | 3,691 |
| Total interest expense | $1,315,000 | 2,415 |
| Net interest income | $876,000 | 4,961 |
| Provision for loan and lease losses | $180,000 | 2,990 |
| Total noninterest income | $56,000 | 6,213 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $14,000 | 6,456 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $42,000 | 5,129 |
| Total noninterest expense | $1,186,000 | 3,798 |
| Salaries and employee benefits | $487,000 | 4,556 |
| Premises and equipment expense | $186,000 | 3,425 |
| Additional noninterest expense | $513,000 | 2,950 |
| Pre-tax net operating income | $-434,000 | 7,245 |
| Securities gains (losses) | $17,000 | 1,747 |
| Applicable income taxes | $-170,000 | 7,678 |
| Income before extraordinary items | $-247,000 | 7,111 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-320,000 | 7,237 |
| Minority interest net income | $73,000 | 53 |
| Net income of bank and minority interests. | $-247,000 | 7,112 |
| Net charge-offs | $391,000 | 1,567 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-257,880 | 7,068 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,031,000 | 3,269 |
| Total interest expense | $6,338,000 | 2,402 |
| Net interest income | $4,693,000 | 4,119 |
| Provision for loan and lease losses | $10,484,000 | 574 |
| Total noninterest income | $386,000 | 5,339 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $64,000 | 6,437 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $322,000 | 3,979 |
| Total noninterest expense | $6,710,000 | 2,778 |
| Salaries and employee benefits | $2,561,000 | 3,720 |
| Premises and equipment expense | $1,049,000 | 2,517 |
| Additional noninterest expense | $3,100,000 | 1,958 |
| Pre-tax net operating income | $-12,115,000 | 8,025 |
| Securities gains (losses) | $-813,000 | 7,675 |
| Applicable income taxes | $-4,374,000 | 8,079 |
| Income before extraordinary items | $-8,554,000 | 7,966 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-8,554,000 | 7,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,587,000 | 458 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-8,017,420 | 7,981 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,859,000 | 3,151 |
| Total interest expense | $4,837,000 | 2,448 |
| Net interest income | $4,022,000 | 3,792 |
| Provision for loan and lease losses | $5,860,000 | 578 |
| Total noninterest income | $333,000 | 5,176 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $49,000 | 6,461 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $284,000 | 3,772 |
| Total noninterest expense | $4,995,000 | 2,781 |
| Salaries and employee benefits | $2,024,000 | 3,582 |
| Premises and equipment expense | $503,000 | 3,620 |
| Additional noninterest expense | $2,468,000 | 1,802 |
| Pre-tax net operating income | $-6,500,000 | 8,172 |
| Securities gains (losses) | $-539,000 | 7,795 |
| Applicable income taxes | $-2,394,000 | 8,209 |
| Income before extraordinary items | $-4,645,000 | 8,109 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,645,000 | 8,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,361,000 | 593 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,289,260 | 8,143 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,081,000 | 3,116 |
| Total interest expense | $3,344,000 | 2,458 |
| Net interest income | $2,737,000 | 3,737 |
| Provision for loan and lease losses | $5,860,000 | 387 |
| Total noninterest income | $121,000 | 6,355 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $31,000 | 6,533 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $90,000 | 5,223 |
| Total noninterest expense | $3,359,000 | 2,770 |
| Salaries and employee benefits | $1,408,000 | 3,501 |
| Premises and equipment expense | $497,000 | 2,653 |
| Additional noninterest expense | $1,454,000 | 1,976 |
| Pre-tax net operating income | $-6,361,000 | 8,319 |
| Securities gains (losses) | $18,000 | 2,122 |
| Applicable income taxes | $-2,161,000 | 8,337 |
| Income before extraordinary items | $-4,182,000 | 8,304 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,182,000 | 8,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,141,000 | 410 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-4,193,880 | 8,298 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,206,000 | 3,034 |
| Total interest expense | $1,841,000 | 2,406 |
| Net interest income | $1,365,000 | 3,728 |
| Provision for loan and lease losses | $120,000 | 2,457 |
| Total noninterest income | $102,000 | 5,376 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $15,000 | 6,545 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $87,000 | 4,033 |
| Total noninterest expense | $1,606,000 | 2,879 |
| Salaries and employee benefits | $724,000 | 3,459 |
| Premises and equipment expense | $255,000 | 2,626 |
| Additional noninterest expense | $627,000 | 2,233 |
| Pre-tax net operating income | $-259,000 | 7,848 |
| Securities gains (losses) | $17,000 | 1,682 |
| Applicable income taxes | $-82,000 | 8,095 |
| Income before extraordinary items | $-160,000 | 7,769 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-160,000 | 7,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $593,000 | 636 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-171,220 | 7,756 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,253,000 | 3,002 |
| Total interest expense | $7,346,000 | 2,497 |
| Net interest income | $5,907,000 | 3,538 |
| Provision for loan and lease losses | $2,461,000 | 707 |
| Total noninterest income | $278,000 | 6,179 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $63,000 | 6,552 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $215,000 | 4,918 |
| Total noninterest expense | $6,332,000 | 2,827 |
| Salaries and employee benefits | $2,940,000 | 3,283 |
| Premises and equipment expense | $1,020,000 | 2,525 |
| Additional noninterest expense | $2,372,000 | 2,280 |
| Pre-tax net operating income | $-2,608,000 | 8,342 |
| Securities gains (losses) | $33,000 | 934 |
| Applicable income taxes | $-942,000 | 8,397 |
| Income before extraordinary items | $-1,633,000 | 8,263 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,633,000 | 8,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $687,000 | 1,349 |
| Cash dividends | $100,000 | 5,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,654,120 | 8,257 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,675,000 | 2,820 |
| Total interest expense | $5,505,000 | 2,507 |
| Net interest income | $5,170,000 | 3,149 |
| Provision for loan and lease losses | $230,000 | 2,752 |
| Total noninterest income | $359,000 | 5,145 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $41,000 | 6,701 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $318,000 | 3,632 |
| Total noninterest expense | $4,945,000 | 2,701 |
| Salaries and employee benefits | $2,323,000 | 3,124 |
| Premises and equipment expense | $785,000 | 2,459 |
| Additional noninterest expense | $1,837,000 | 2,172 |
| Pre-tax net operating income | $354,000 | 6,350 |
| Securities gains (losses) | $9,000 | 1,036 |
| Applicable income taxes | $47,000 | 4,988 |
| Income before extraordinary items | $316,000 | 6,233 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $316,000 | 6,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,768 |
| Cash dividends | $100,000 | 4,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $308,170 | 6,272 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,106,000 | 2,831 |
| Total interest expense | $3,637,000 | 2,541 |
| Net interest income | $3,469,000 | 3,153 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $276,000 | 4,847 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $28,000 | 6,731 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $248,000 | 3,364 |
| Total noninterest expense | $3,356,000 | 2,696 |
| Salaries and employee benefits | $1,584,000 | 3,100 |
| Premises and equipment expense | $533,000 | 2,419 |
| Additional noninterest expense | $1,239,000 | 2,157 |
| Pre-tax net operating income | $269,000 | 6,231 |
| Securities gains (losses) | $-4,000 | 7,813 |
| Applicable income taxes | $34,000 | 5,030 |
| Income before extraordinary items | $231,000 | 6,144 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $231,000 | 6,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,351 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $234,480 | 6,116 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,514,000 | 2,854 |
| Total interest expense | $1,817,000 | 2,517 |
| Net interest income | $1,697,000 | 3,199 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $224,000 | 3,784 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $14,000 | 6,735 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $210,000 | 2,471 |
| Total noninterest expense | $1,657,000 | 2,738 |
| Salaries and employee benefits | $841,000 | 2,949 |
| Premises and equipment expense | $266,000 | 2,446 |
| Additional noninterest expense | $550,000 | 2,399 |
| Pre-tax net operating income | $204,000 | 5,473 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $31,000 | 4,589 |
| Income before extraordinary items | $173,000 | 5,369 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $173,000 | 5,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,280 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $173,000 | 5,350 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,239,000 | 2,838 |
| Total interest expense | $6,209,000 | 2,526 |
| Net interest income | $7,030,000 | 3,095 |
| Provision for loan and lease losses | $370,000 | 2,411 |
| Total noninterest income | $931,000 | 3,707 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $37,000 | 7,075 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $894,000 | 2,400 |
| Total noninterest expense | $7,072,000 | 2,496 |
| Salaries and employee benefits | $3,359,000 | 2,833 |
| Premises and equipment expense | $993,000 | 2,492 |
| Additional noninterest expense | $2,720,000 | 1,937 |
| Pre-tax net operating income | $519,000 | 6,419 |
| Securities gains (losses) | $-80,000 | 8,118 |
| Applicable income taxes | $67,000 | 5,254 |
| Income before extraordinary items | $372,000 | 6,622 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $372,000 | 6,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 1,546 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $440,000 | 6,362 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,929,000 | 2,810 |
| Total interest expense | $4,467,000 | 2,538 |
| Net interest income | $5,462,000 | 3,031 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $689,000 | 3,749 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $27,000 | 7,176 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $662,000 | 2,406 |
| Total noninterest expense | $4,988,000 | 2,630 |
| Salaries and employee benefits | $2,453,000 | 2,897 |
| Premises and equipment expense | $727,000 | 2,549 |
| Additional noninterest expense | $1,808,000 | 2,158 |
| Pre-tax net operating income | $1,163,000 | 4,373 |
| Securities gains (losses) | $-46,000 | 8,153 |
| Applicable income taxes | $357,000 | 3,340 |
| Income before extraordinary items | $760,000 | 4,819 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $760,000 | 4,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,984 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $791,280 | 4,717 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,414,000 | 2,855 |
| Total interest expense | $2,825,000 | 2,563 |
| Net interest income | $3,589,000 | 3,069 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $279,000 | 4,907 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $18,000 | 7,222 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $261,000 | 3,253 |
| Total noninterest expense | $3,089,000 | 2,814 |
| Salaries and employee benefits | $1,502,000 | 3,114 |
| Premises and equipment expense | $487,000 | 2,541 |
| Additional noninterest expense | $1,100,000 | 2,350 |
| Pre-tax net operating income | $779,000 | 4,387 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $249,000 | 3,314 |
| Income before extraordinary items | $528,000 | 4,750 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $528,000 | 4,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,680 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $529,360 | 4,733 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,085,000 | 2,899 |
| Total interest expense | $1,313,000 | 2,623 |
| Net interest income | $1,772,000 | 3,102 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $196,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $9,000 | 7,226 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $187,000 | 2,601 |
| Total noninterest expense | $1,576,000 | 2,773 |
| Salaries and employee benefits | $745,000 | 3,168 |
| Premises and equipment expense | $238,000 | 2,577 |
| Additional noninterest expense | $593,000 | 2,179 |
| Pre-tax net operating income | $392,000 | 4,321 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $125,000 | 3,281 |
| Income before extraordinary items | $265,000 | 4,722 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $265,000 | 4,722 |
| 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 | $266,360 | 4,692 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,957,000 | 2,716 |
| Total interest expense | $4,617,000 | 2,371 |
| Net interest income | $7,340,000 | 2,918 |
| Provision for loan and lease losses | $311,000 | 2,741 |
| Total noninterest income | $585,000 | 4,850 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $38,000 | 7,258 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $547,000 | 3,222 |
| Total noninterest expense | $5,988,000 | 2,754 |
| Salaries and employee benefits | $2,852,000 | 3,112 |
| Premises and equipment expense | $853,000 | 2,727 |
| Additional noninterest expense | $2,283,000 | 2,196 |
| Pre-tax net operating income | $1,626,000 | 4,195 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $520,000 | 3,304 |
| Income before extraordinary items | $1,106,000 | 4,548 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,106,000 | 4,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $820,000 | 792 |
| Cash dividends | $200,000 | 4,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,106,000 | 4,505 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,805,000 | 2,712 |
| Total interest expense | $3,350,000 | 2,322 |
| Net interest income | $5,455,000 | 2,933 |
| Provision for loan and lease losses | $204,000 | 2,929 |
| Total noninterest income | $456,000 | 4,782 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $29,000 | 7,291 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $427,000 | 3,164 |
| Total noninterest expense | $4,576,000 | 2,673 |
| Salaries and employee benefits | $2,274,000 | 2,908 |
| Premises and equipment expense | $614,000 | 2,821 |
| Additional noninterest expense | $1,688,000 | 2,191 |
| Pre-tax net operating income | $1,131,000 | 4,466 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $361,000 | 3,481 |
| Income before extraordinary items | $770,000 | 4,854 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $770,000 | 4,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $799,000 | 583 |
| Cash dividends | $200,000 | 4,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $770,000 | 4,819 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,687,000 | 2,721 |
| Total interest expense | $2,136,000 | 2,290 |
| Net interest income | $3,551,000 | 2,962 |
| Provision for loan and lease losses | $97,000 | 3,417 |
| Total noninterest income | $439,000 | 3,814 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $19,000 | 7,307 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $420,000 | 2,460 |
| Total noninterest expense | $3,146,000 | 2,582 |
| Salaries and employee benefits | $1,531,000 | 2,874 |
| Premises and equipment expense | $397,000 | 2,866 |
| Additional noninterest expense | $1,218,000 | 2,020 |
| Pre-tax net operating income | $747,000 | 4,449 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $239,000 | 3,487 |
| Income before extraordinary items | $508,000 | 4,855 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $508,000 | 4,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $797,000 | 432 |
| Cash dividends | $200,000 | 3,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $508,000 | 4,803 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,815,000 | 2,716 |
| Total interest expense | $1,044,000 | 2,245 |
| Net interest income | $1,771,000 | 2,960 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $202,000 | 3,954 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $10,000 | 7,294 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $192,000 | 2,543 |
| Total noninterest expense | $1,651,000 | 2,483 |
| Salaries and employee benefits | $802,000 | 2,760 |
| Premises and equipment expense | $193,000 | 2,966 |
| Additional noninterest expense | $656,000 | 1,874 |
| Pre-tax net operating income | $322,000 | 4,816 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $103,000 | 3,716 |
| Income before extraordinary items | $219,000 | 5,184 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $219,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $701,000 | 275 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $219,000 | 5,156 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,159,000 | 2,790 |
| Total interest expense | $3,785,000 | 2,152 |
| Net interest income | $6,374,000 | 3,127 |
| Provision for loan and lease losses | $761,000 | 1,343 |
| Total noninterest income | $939,000 | 3,698 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $63,000 | 7,070 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $876,000 | 2,332 |
| Total noninterest expense | $5,503,000 | 2,858 |
| Salaries and employee benefits | $3,015,000 | 2,825 |
| Premises and equipment expense | $701,000 | 3,126 |
| Additional noninterest expense | $1,787,000 | 2,662 |
| Pre-tax net operating income | $1,049,000 | 5,121 |
| Securities gains (losses) | $27,000 | 2,202 |
| Applicable income taxes | $344,000 | 3,964 |
| Income before extraordinary items | $732,000 | 5,464 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $732,000 | 5,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $397,000 | 1,604 |
| Cash dividends | $50,000 | 5,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $713,640 | 5,455 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,501,000 | 2,793 |
| Total interest expense | $2,779,000 | 2,150 |
| Net interest income | $4,722,000 | 3,144 |
| Provision for loan and lease losses | $58,000 | 5,208 |
| Total noninterest income | $720,000 | 3,663 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $52,000 | 7,015 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $668,000 | 2,335 |
| Total noninterest expense | $4,147,000 | 2,830 |
| Salaries and employee benefits | $2,289,000 | 2,775 |
| Premises and equipment expense | $522,000 | 3,137 |
| Additional noninterest expense | $1,336,000 | 2,644 |
| Pre-tax net operating income | $1,237,000 | 4,088 |
| Securities gains (losses) | $18,000 | 2,374 |
| Applicable income taxes | $401,000 | 3,299 |
| Income before extraordinary items | $854,000 | 4,430 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $854,000 | 4,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,087 |
| Cash dividends | $50,000 | 4,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $841,760 | 4,398 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,904,000 | 2,833 |
| Total interest expense | $1,818,000 | 2,161 |
| Net interest income | $3,086,000 | 3,206 |
| Provision for loan and lease losses | $38,000 | 5,097 |
| Total noninterest income | $532,000 | 3,426 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $34,000 | 7,049 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $498,000 | 2,196 |
| Total noninterest expense | $2,715,000 | 2,879 |
| Salaries and employee benefits | $1,499,000 | 2,834 |
| Premises and equipment expense | $351,000 | 3,120 |
| Additional noninterest expense | $865,000 | 2,722 |
| Pre-tax net operating income | $865,000 | 3,908 |
| Securities gains (losses) | $9,000 | 2,475 |
| Applicable income taxes | $280,000 | 3,191 |
| Income before extraordinary items | $594,000 | 4,275 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $594,000 | 4,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,968 |
| Cash dividends | $50,000 | 4,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $587,880 | 4,225 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,411,000 | 2,891 |
| Total interest expense | $888,000 | 2,229 |
| Net interest income | $1,523,000 | 3,215 |
| Provision for loan and lease losses | $23,000 | 4,653 |
| Total noninterest income | $178,000 | 4,348 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $18,000 | 6,945 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $160,000 | 2,829 |
| Total noninterest expense | $1,270,000 | 3,052 |
| Salaries and employee benefits | $692,000 | 3,052 |
| Premises and equipment expense | $176,000 | 3,144 |
| Additional noninterest expense | $402,000 | 2,899 |
| Pre-tax net operating income | $408,000 | 4,026 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $130,000 | 3,350 |
| Income before extraordinary items | $278,000 | 4,477 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $278,000 | 4,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,329 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $278,000 | 4,347 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,835,000 | 2,869 |
| Total interest expense | $3,822,000 | 2,317 |
| Net interest income | $6,013,000 | 3,183 |
| Provision for loan and lease losses | $18,000 | 7,137 |
| Total noninterest income | $1,471,000 | 2,883 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $54,000 | 7,375 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,417,000 | 1,902 |
| Total noninterest expense | $5,553,000 | 2,794 |
| Salaries and employee benefits | $2,991,000 | 2,778 |
| Premises and equipment expense | $741,000 | 2,939 |
| Additional noninterest expense | $1,821,000 | 2,612 |
| Pre-tax net operating income | $1,913,000 | 3,492 |
| Securities gains (losses) | $45,000 | 2,612 |
| Applicable income taxes | $626,000 | 2,973 |
| Income before extraordinary items | $1,332,000 | 3,853 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,332,000 | 3,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 2,474 |
| Cash dividends | $300,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,301,400 | 3,752 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,441,000 | 2,881 |
| Total interest expense | $2,980,000 | 2,307 |
| Net interest income | $4,461,000 | 3,220 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $1,093,000 | 2,956 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $39,000 | 7,458 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,054,000 | 1,977 |
| Total noninterest expense | $4,164,000 | 2,795 |
| Salaries and employee benefits | $2,300,000 | 2,721 |
| Premises and equipment expense | $552,000 | 2,963 |
| Additional noninterest expense | $1,312,000 | 2,683 |
| Pre-tax net operating income | $1,372,000 | 3,714 |
| Securities gains (losses) | $23,000 | 2,888 |
| Applicable income taxes | $444,000 | 3,241 |
| Income before extraordinary items | $951,000 | 4,116 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $951,000 | 4,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,482 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $935,360 | 3,989 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,096,000 | 2,834 |
| Total interest expense | $2,097,000 | 2,256 |
| Net interest income | $2,999,000 | 3,193 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $762,000 | 2,855 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $23,000 | 7,567 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $739,000 | 1,889 |
| Total noninterest expense | $2,835,000 | 2,735 |
| Salaries and employee benefits | $1,537,000 | 2,725 |
| Premises and equipment expense | $366,000 | 2,969 |
| Additional noninterest expense | $932,000 | 2,535 |
| Pre-tax net operating income | $908,000 | 3,741 |
| Securities gains (losses) | $20,000 | 2,610 |
| Applicable income taxes | $296,000 | 3,266 |
| Income before extraordinary items | $632,000 | 4,142 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $632,000 | 4,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,762 |
| Cash dividends | $300,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $618,400 | 4,006 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,665,000 | 2,739 |
| Total interest expense | $1,060,000 | 2,297 |
| Net interest income | $1,605,000 | 2,983 |
| Provision for loan and lease losses | $18,000 | 5,381 |
| Total noninterest income | $368,000 | 2,818 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $355,000 | 1,883 |
| Total noninterest expense | $1,431,000 | 2,702 |
| Salaries and employee benefits | $790,000 | 2,646 |
| Premises and equipment expense | $183,000 | 2,963 |
| Additional noninterest expense | $458,000 | 2,528 |
| Pre-tax net operating income | $524,000 | 3,382 |
| Securities gains (losses) | $20,000 | 1,898 |
| Applicable income taxes | $174,000 | 2,932 |
| Income before extraordinary items | $370,000 | 3,668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $370,000 | 3,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,967 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $356,400 | 3,580 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,148,000 | 2,735 |
| Total interest expense | $4,857,000 | 2,305 |
| Net interest income | $6,291,000 | 3,016 |
| Provision for loan and lease losses | $701,000 | 1,828 |
| Total noninterest income | $1,443,000 | 2,693 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $63,000 | 7,282 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,380,000 | 1,762 |
| Total noninterest expense | $5,040,000 | 2,906 |
| Salaries and employee benefits | $2,752,000 | 2,845 |
| Premises and equipment expense | $639,000 | 3,227 |
| Additional noninterest expense | $1,649,000 | 2,739 |
| Pre-tax net operating income | $1,993,000 | 3,434 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $637,000 | 3,021 |
| Income before extraordinary items | $1,356,000 | 3,774 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,356,000 | 3,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 1,683 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,356,000 | 3,662 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,806,000 | 3,101 |
| Total interest expense | $6,240,000 | 2,562 |
| Net interest income | $4,566,000 | 3,704 |
| Provision for loan and lease losses | $877,000 | 1,385 |
| Total noninterest income | $794,000 | 3,870 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $27,000 | 8,030 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $767,000 | 2,449 |
| Total noninterest expense | $4,400,000 | 3,136 |
| Salaries and employee benefits | $2,534,000 | 2,914 |
| Premises and equipment expense | $671,000 | 3,060 |
| Additional noninterest expense | $1,195,000 | 3,516 |
| Pre-tax net operating income | $83,000 | 8,409 |
| Securities gains (losses) | $44,000 | 2,476 |
| Applicable income taxes | $16,000 | 7,411 |
| Income before extraordinary items | $111,000 | 8,259 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $111,000 | 8,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $962,000 | 965 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $72,720 | 8,384 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,731,000 | 3,479 |
| Total interest expense | $5,712,000 | 2,910 |
| Net interest income | $4,019,000 | 4,170 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $173,000 | 7,567 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $21,000 | 8,252 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $152,000 | 5,433 |
| Total noninterest expense | $3,399,000 | 3,815 |
| Salaries and employee benefits | $1,901,000 | 3,629 |
| Premises and equipment expense | $634,000 | 3,120 |
| Additional noninterest expense | $864,000 | 4,483 |
| Pre-tax net operating income | $733,000 | 6,108 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $233,000 | 5,112 |
| Income before extraordinary items | $500,000 | 6,323 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $500,000 | 6,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,760 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $500,000 | 6,340 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,352,000 | 3,758 |
| Total interest expense | $4,983,000 | 2,924 |
| Net interest income | $3,369,000 | 4,762 |
| Provision for loan and lease losses | $1,072,000 | 916 |
| Total noninterest income | $2,110,000 | 1,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,097,000 | 1,117 |
| Total noninterest expense | $3,646,000 | 3,586 |
| Salaries and employee benefits | $1,374,000 | 4,660 |
| Premises and equipment expense | $1,333,000 | 1,541 |
| Additional noninterest expense | $939,000 | 4,230 |
| Pre-tax net operating income | $761,000 | 6,079 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $287,000 | 4,914 |
| Income before extraordinary items | $474,000 | 6,576 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $474,000 | 6,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $901,000 | 758 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $474,000 | 6,550 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,974,000 | 5,018 |
| Total interest expense | $3,666,000 | 3,966 |
| Net interest income | $2,308,000 | 6,118 |
| Provision for loan and lease losses | $1,349,000 | 757 |
| Total noninterest income | $581,000 | 4,482 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $576,000 | 2,713 |
| Total noninterest expense | $1,989,000 | 5,620 |
| Salaries and employee benefits | $910,000 | 6,168 |
| Premises and equipment expense | $643,000 | 2,982 |
| Additional noninterest expense | $436,000 | 6,919 |
| Pre-tax net operating income | $-449,000 | 10,155 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-325,000 | 10,357 |
| Income before extraordinary items | $-124,000 | 9,976 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-124,000 | 9,973 |
| 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 | $-124,000 | 9,941 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,779,000 | 9,312 |
| Total interest expense | $1,025,000 | 8,616 |
| Net interest income | $754,000 | 9,793 |
| Provision for loan and lease losses | $467,000 | 1,886 |
| Total noninterest income | $25,000 | 10,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,735 |
| Total noninterest expense | $1,000,000 | 8,341 |
| Salaries and employee benefits | $517,000 | 8,481 |
| Premises and equipment expense | $155,000 | 7,697 |
| Additional noninterest expense | $328,000 | 8,042 |
| Pre-tax net operating income | $-688,000 | 10,797 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-688,000 | 10,807 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-688,000 | 10,806 |
| 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 | $3,000,000 | 310 |
| Net operating income | $-688,000 | 10,794 |
* 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.