Home > Mt. Morris Savings and Loan Association > Income and Expense
Mt. Morris Savings and Loan Association, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,948,000 | 7,180 |
| Total interest expense | $1,324,000 | 6,133 |
| Net interest income | $624,000 | 7,999 |
| Provision for loan and lease losses | $350,000 | 2,081 |
| Total noninterest income | $185,000 | 6,465 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $185,000 | 4,651 |
| Total noninterest expense | $1,147,000 | 6,855 |
| Salaries and employee benefits | $500,000 | 7,327 |
| Premises and equipment expense | $175,000 | 6,405 |
| Additional noninterest expense | $472,000 | 5,965 |
| Pre-tax net operating income | $-688,000 | 8,180 |
| Securities gains (losses) | $4,000 | 1,247 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-684,000 | 8,222 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-684,000 | 8,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,939 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-688,000 | 8,215 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,350,000 | 7,132 |
| Total interest expense | $895,000 | 6,117 |
| Net interest income | $455,000 | 7,966 |
| Provision for loan and lease losses | $324,000 | 1,454 |
| Total noninterest income | $134,000 | 6,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $134,000 | 4,530 |
| Total noninterest expense | $733,000 | 6,999 |
| Salaries and employee benefits | $357,000 | 7,237 |
| Premises and equipment expense | $96,000 | 6,843 |
| Additional noninterest expense | $280,000 | 6,295 |
| Pre-tax net operating income | $-468,000 | 8,283 |
| Securities gains (losses) | $-10,000 | 7,993 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-478,000 | 8,320 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-478,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,609 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-468,000 | 8,311 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $700,000 | 7,086 |
| Total interest expense | $458,000 | 6,057 |
| Net interest income | $242,000 | 7,959 |
| Provision for loan and lease losses | $41,000 | 3,408 |
| Total noninterest income | $58,000 | 6,588 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $58,000 | 4,822 |
| Total noninterest expense | $384,000 | 6,926 |
| Salaries and employee benefits | $201,000 | 7,031 |
| Premises and equipment expense | $43,000 | 7,057 |
| Additional noninterest expense | $140,000 | 6,307 |
| Pre-tax net operating income | $-125,000 | 8,187 |
| Securities gains (losses) | $-22,000 | 8,387 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-147,000 | 8,256 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-147,000 | 8,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,057 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-125,000 | 8,210 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,732,000 | 6,979 |
| Total interest expense | $1,691,000 | 5,834 |
| Net interest income | $1,041,000 | 7,785 |
| Provision for loan and lease losses | $437,000 | 2,131 |
| Total noninterest income | $325,000 | 6,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $325,000 | 4,142 |
| Total noninterest expense | $1,514,000 | 6,866 |
| Salaries and employee benefits | $650,000 | 7,436 |
| Premises and equipment expense | $493,000 | 4,313 |
| Additional noninterest expense | $371,000 | 7,202 |
| Pre-tax net operating income | $-585,000 | 8,298 |
| Securities gains (losses) | $30,000 | 801 |
| Applicable income taxes | $-215,000 | 8,463 |
| Income before extraordinary items | $-340,000 | 8,217 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-340,000 | 8,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 1,344 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-359,200 | 8,226 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,004,000 | 7,061 |
| Total interest expense | $1,210,000 | 5,896 |
| Net interest income | $794,000 | 7,838 |
| Provision for loan and lease losses | $15,000 | 6,184 |
| Total noninterest income | $241,000 | 6,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $241,000 | 4,157 |
| Total noninterest expense | $1,034,000 | 7,092 |
| Salaries and employee benefits | $490,000 | 7,422 |
| Premises and equipment expense | $256,000 | 5,405 |
| Additional noninterest expense | $288,000 | 7,155 |
| Pre-tax net operating income | $-14,000 | 8,142 |
| Securities gains (losses) | $24,000 | 702 |
| Applicable income taxes | $6,000 | 6,367 |
| Income before extraordinary items | $4,000 | 8,119 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,000 | 8,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-11,360 | 8,135 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 7,105 |
| Total interest expense | $761,000 | 5,932 |
| Net interest income | $546,000 | 7,838 |
| Provision for loan and lease losses | $9,000 | 6,053 |
| Total noninterest income | $154,000 | 6,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $154,000 | 4,257 |
| Total noninterest expense | $701,000 | 7,097 |
| Salaries and employee benefits | $333,000 | 7,412 |
| Premises and equipment expense | $171,000 | 5,399 |
| Additional noninterest expense | $197,000 | 7,127 |
| Pre-tax net operating income | $-10,000 | 8,201 |
| Securities gains (losses) | $15,000 | 657 |
| Applicable income taxes | $4,000 | 6,395 |
| Income before extraordinary items | $1,000 | 8,170 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,000 | 8,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-8,600 | 8,192 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $629,000 | 7,168 |
| Total interest expense | $356,000 | 5,999 |
| Net interest income | $273,000 | 7,862 |
| Provision for loan and lease losses | $5,000 | 5,672 |
| Total noninterest income | $65,000 | 6,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,564 |
| Total noninterest expense | $361,000 | 7,040 |
| Salaries and employee benefits | $180,000 | 7,256 |
| Premises and equipment expense | $78,000 | 5,692 |
| Additional noninterest expense | $103,000 | 7,021 |
| Pre-tax net operating income | $-28,000 | 8,311 |
| Securities gains (losses) | $7,000 | 642 |
| Applicable income taxes | $-8,000 | 8,510 |
| Income before extraordinary items | $-13,000 | 8,266 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-13,000 | 8,267 |
| 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 | $-17,480 | 8,265 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,402,000 | 7,090 |
| Total interest expense | $1,090,000 | 6,076 |
| Net interest income | $1,312,000 | 7,541 |
| Provision for loan and lease losses | $51,000 | 5,720 |
| Total noninterest income | $332,000 | 6,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $332,000 | 4,125 |
| Total noninterest expense | $1,535,000 | 6,824 |
| Salaries and employee benefits | $735,000 | 7,142 |
| Premises and equipment expense | $373,000 | 5,077 |
| Additional noninterest expense | $427,000 | 6,948 |
| Pre-tax net operating income | $58,000 | 8,112 |
| Securities gains (losses) | $38,000 | 1,020 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $96,000 | 7,994 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $96,000 | 7,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,385 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $58,000 | 8,085 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,801,000 | 7,113 |
| Total interest expense | $760,000 | 6,143 |
| Net interest income | $1,041,000 | 7,478 |
| Provision for loan and lease losses | $41,000 | 5,531 |
| Total noninterest income | $254,000 | 6,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $254,000 | 4,104 |
| Total noninterest expense | $1,164,000 | 6,793 |
| Salaries and employee benefits | $552,000 | 7,125 |
| Premises and equipment expense | $275,000 | 5,115 |
| Additional noninterest expense | $337,000 | 6,819 |
| Pre-tax net operating income | $90,000 | 8,056 |
| Securities gains (losses) | $30,000 | 1,073 |
| Applicable income taxes | $47,000 | 5,835 |
| Income before extraordinary items | $73,000 | 8,088 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $73,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,945 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $53,800 | 8,141 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,209,000 | 7,064 |
| Total interest expense | $461,000 | 6,253 |
| Net interest income | $748,000 | 7,354 |
| Provision for loan and lease losses | $26,000 | 5,434 |
| Total noninterest income | $177,000 | 6,013 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $177,000 | 3,973 |
| Total noninterest expense | $792,000 | 6,756 |
| Salaries and employee benefits | $384,000 | 7,034 |
| Premises and equipment expense | $190,000 | 4,985 |
| Additional noninterest expense | $218,000 | 6,891 |
| Pre-tax net operating income | $107,000 | 7,814 |
| Securities gains (losses) | $20,000 | 1,110 |
| Applicable income taxes | $50,000 | 5,519 |
| Income before extraordinary items | $77,000 | 7,906 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $77,000 | 7,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $64,200 | 7,969 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $587,000 | 7,154 |
| Total interest expense | $208,000 | 6,437 |
| Net interest income | $379,000 | 7,371 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $81,000 | 6,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,172 |
| Total noninterest expense | $400,000 | 6,770 |
| Salaries and employee benefits | $198,000 | 7,005 |
| Premises and equipment expense | $91,000 | 5,179 |
| Additional noninterest expense | $111,000 | 6,877 |
| Pre-tax net operating income | $54,000 | 7,843 |
| Securities gains (losses) | $7,000 | 1,110 |
| Applicable income taxes | $24,000 | 5,498 |
| Income before extraordinary items | $37,000 | 7,981 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $37,000 | 7,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $32,520 | 8,029 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,175,000 | 7,195 |
| Total interest expense | $845,000 | 6,105 |
| Net interest income | $1,330,000 | 7,557 |
| Provision for loan and lease losses | $54,000 | 5,860 |
| Total noninterest income | $307,000 | 6,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $307,000 | 4,222 |
| Total noninterest expense | $1,510,000 | 6,868 |
| Salaries and employee benefits | $746,000 | 7,133 |
| Premises and equipment expense | $311,000 | 5,576 |
| Additional noninterest expense | $453,000 | 6,827 |
| Pre-tax net operating income | $73,000 | 8,184 |
| Securities gains (losses) | $52,000 | 1,708 |
| Applicable income taxes | $7,000 | 6,854 |
| Income before extraordinary items | $118,000 | 8,021 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $118,000 | 8,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,541 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $69,120 | 8,169 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,599,000 | 7,265 |
| Total interest expense | $640,000 | 6,082 |
| Net interest income | $959,000 | 7,661 |
| Provision for loan and lease losses | $30,000 | 5,981 |
| Total noninterest income | $192,000 | 6,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $192,000 | 4,583 |
| Total noninterest expense | $1,126,000 | 6,852 |
| Salaries and employee benefits | $551,000 | 7,127 |
| Premises and equipment expense | $227,000 | 5,621 |
| Additional noninterest expense | $348,000 | 6,738 |
| Pre-tax net operating income | $-5,000 | 8,482 |
| Securities gains (losses) | $63,000 | 1,486 |
| Applicable income taxes | $24,000 | 6,420 |
| Income before extraordinary items | $34,000 | 8,379 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $34,000 | 8,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,248 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-6,320 | 8,480 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 7,338 |
| Total interest expense | $437,000 | 6,029 |
| Net interest income | $612,000 | 7,777 |
| Provision for loan and lease losses | $29,000 | 5,552 |
| Total noninterest income | $105,000 | 7,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $105,000 | 5,079 |
| Total noninterest expense | $725,000 | 6,987 |
| Salaries and employee benefits | $356,000 | 7,253 |
| Premises and equipment expense | $139,000 | 5,891 |
| Additional noninterest expense | $230,000 | 6,788 |
| Pre-tax net operating income | $-37,000 | 8,613 |
| Securities gains (losses) | $36,000 | 1,674 |
| Applicable income taxes | $1,000 | 7,109 |
| Income before extraordinary items | $-2,000 | 8,577 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,000 | 8,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,514 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-38,000 | 8,612 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $540,000 | 7,327 |
| Total interest expense | $227,000 | 5,978 |
| Net interest income | $313,000 | 7,761 |
| Provision for loan and lease losses | $11,000 | 5,558 |
| Total noninterest income | $48,000 | 7,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $48,000 | 5,207 |
| Total noninterest expense | $368,000 | 6,994 |
| Salaries and employee benefits | $178,000 | 7,301 |
| Premises and equipment expense | $74,000 | 5,726 |
| Additional noninterest expense | $116,000 | 6,774 |
| Pre-tax net operating income | $-18,000 | 8,643 |
| Securities gains (losses) | $25,000 | 1,594 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $4,000 | 8,544 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $4,000 | 8,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-12,000 | 8,609 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,819,000 | 7,744 |
| Total interest expense | $964,000 | 6,217 |
| Net interest income | $855,000 | 8,333 |
| Provision for loan and lease losses | $8,000 | 7,438 |
| Total noninterest income | $310,000 | 6,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $310,000 | 4,438 |
| Total noninterest expense | $1,408,000 | 7,054 |
| Salaries and employee benefits | $722,000 | 7,230 |
| Premises and equipment expense | $278,000 | 5,890 |
| Additional noninterest expense | $408,000 | 7,107 |
| Pre-tax net operating income | $-251,000 | 8,724 |
| Securities gains (losses) | $289,000 | 1,071 |
| Applicable income taxes | $16,000 | 6,881 |
| Income before extraordinary items | $22,000 | 8,565 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $22,000 | 8,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,982 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-162,960 | 8,688 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,455,000 | 7,704 |
| Total interest expense | $738,000 | 6,314 |
| Net interest income | $717,000 | 8,234 |
| Provision for loan and lease losses | $11,000 | 7,078 |
| Total noninterest income | $260,000 | 6,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $260,000 | 4,307 |
| Total noninterest expense | $1,021,000 | 7,147 |
| Salaries and employee benefits | $512,000 | 7,342 |
| Premises and equipment expense | $203,000 | 5,970 |
| Additional noninterest expense | $306,000 | 7,086 |
| Pre-tax net operating income | $-55,000 | 8,726 |
| Securities gains (losses) | $270,000 | 1,034 |
| Applicable income taxes | $83,000 | 5,769 |
| Income before extraordinary items | $132,000 | 8,029 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $132,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,233 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-40,800 | 8,706 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $997,000 | 7,698 |
| Total interest expense | $517,000 | 6,296 |
| Net interest income | $480,000 | 8,265 |
| Provision for loan and lease losses | $14,000 | 6,643 |
| Total noninterest income | $170,000 | 6,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $170,000 | 4,337 |
| Total noninterest expense | $667,000 | 7,227 |
| Salaries and employee benefits | $336,000 | 7,398 |
| Premises and equipment expense | $134,000 | 5,977 |
| Additional noninterest expense | $197,000 | 7,180 |
| Pre-tax net operating income | $-31,000 | 8,738 |
| Securities gains (losses) | $207,000 | 1,023 |
| Applicable income taxes | $68,000 | 5,588 |
| Income before extraordinary items | $108,000 | 7,865 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $108,000 | 7,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,430 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-24,480 | 8,721 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $513,000 | 7,680 |
| Total interest expense | $267,000 | 6,291 |
| Net interest income | $246,000 | 8,267 |
| Provision for loan and lease losses | $8,000 | 6,296 |
| Total noninterest income | $95,000 | 6,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $95,000 | 4,025 |
| Total noninterest expense | $329,000 | 7,294 |
| Salaries and employee benefits | $159,000 | 7,568 |
| Premises and equipment expense | $70,000 | 5,840 |
| Additional noninterest expense | $100,000 | 7,147 |
| Pre-tax net operating income | $4,000 | 8,650 |
| Securities gains (losses) | $90,000 | 1,058 |
| Applicable income taxes | $41,000 | 5,361 |
| Income before extraordinary items | $53,000 | 7,823 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $53,000 | 7,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-4,600 | 8,699 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,245,000 | 7,606 |
| Total interest expense | $1,468,000 | 5,798 |
| Net interest income | $777,000 | 8,624 |
| Provision for loan and lease losses | $23,000 | 7,437 |
| Total noninterest income | $323,000 | 6,302 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $323,000 | 4,093 |
| Total noninterest expense | $1,222,000 | 7,418 |
| Salaries and employee benefits | $589,000 | 7,747 |
| Premises and equipment expense | $238,000 | 6,293 |
| Additional noninterest expense | $395,000 | 7,188 |
| Pre-tax net operating income | $-145,000 | 8,799 |
| Securities gains (losses) | $154,000 | 1,367 |
| Applicable income taxes | $4,000 | 7,480 |
| Income before extraordinary items | $5,000 | 8,707 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,000 | 8,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,634 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-93,560 | 8,771 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,453,000 | 7,801 |
| Total interest expense | $1,811,000 | 6,399 |
| Net interest income | $642,000 | 8,961 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $300,000 | 6,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $300,000 | 4,124 |
| Total noninterest expense | $1,078,000 | 7,755 |
| Salaries and employee benefits | $508,000 | 8,136 |
| Premises and equipment expense | $234,000 | 6,299 |
| Additional noninterest expense | $336,000 | 7,601 |
| Pre-tax net operating income | $-142,000 | 8,909 |
| Securities gains (losses) | $114,000 | 1,646 |
| Applicable income taxes | $-8,000 | 8,991 |
| Income before extraordinary items | $-20,000 | 8,856 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-20,000 | 8,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-100,940 | 8,899 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,367,000 | 8,051 |
| Total interest expense | $1,527,000 | 7,099 |
| Net interest income | $840,000 | 8,816 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $246,000 | 6,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $246,000 | 4,331 |
| Total noninterest expense | $1,201,000 | 7,500 |
| Salaries and employee benefits | $590,000 | 7,749 |
| Premises and equipment expense | $324,000 | 5,196 |
| Additional noninterest expense | $287,000 | 8,047 |
| Pre-tax net operating income | $-135,000 | 9,280 |
| Securities gains (losses) | $18,000 | 979 |
| Applicable income taxes | $-5,000 | 9,296 |
| Income before extraordinary items | $-112,000 | 9,285 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-112,000 | 9,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-129,280 | 9,301 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,346,000 | 8,077 |
| Total interest expense | $1,533,000 | 6,895 |
| Net interest income | $813,000 | 9,034 |
| Provision for loan and lease losses | $11,000 | 8,085 |
| Total noninterest income | $195,000 | 7,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $195,000 | 4,999 |
| Total noninterest expense | $1,091,000 | 7,868 |
| Salaries and employee benefits | $552,000 | 8,025 |
| Premises and equipment expense | $211,000 | 6,631 |
| Additional noninterest expense | $328,000 | 7,888 |
| Pre-tax net operating income | $-94,000 | 9,528 |
| Securities gains (losses) | $56,000 | 948 |
| Applicable income taxes | $-20,000 | 9,716 |
| Income before extraordinary items | $-18,000 | 9,468 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-18,000 | 9,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-53,840 | 9,497 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,429,000 | 8,175 |
| Total interest expense | $1,608,000 | 6,957 |
| Net interest income | $821,000 | 9,197 |
| Provision for loan and lease losses | $-2,000 | 10,182 |
| Total noninterest income | $195,000 | 7,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $195,000 | 5,026 |
| Total noninterest expense | $995,000 | 8,128 |
| Salaries and employee benefits | $536,000 | 8,140 |
| Premises and equipment expense | $178,000 | 7,088 |
| Additional noninterest expense | $281,000 | 8,298 |
| Pre-tax net operating income | $23,000 | 9,706 |
| Securities gains (losses) | $135,000 | 1,105 |
| Applicable income taxes | $56,000 | 8,229 |
| Income before extraordinary items | $102,000 | 9,331 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $102,000 | 9,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $14,250 | 9,729 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,545,000 | 8,325 |
| Total interest expense | $1,628,000 | 7,051 |
| Net interest income | $917,000 | 9,380 |
| Provision for loan and lease losses | $6,000 | 8,580 |
| Total noninterest income | $229,000 | 7,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $229,000 | 4,621 |
| Total noninterest expense | $988,000 | 8,391 |
| Salaries and employee benefits | $491,000 | 8,671 |
| Premises and equipment expense | $178,000 | 7,230 |
| Additional noninterest expense | $319,000 | 8,128 |
| Pre-tax net operating income | $152,000 | 9,833 |
| Securities gains (losses) | $73,000 | 1,132 |
| Applicable income taxes | $75,000 | 8,822 |
| 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 | $-4,000 | 9,725 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $101,090 | 9,909 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,733,000 | 8,367 |
| Total interest expense | $1,799,000 | 6,846 |
| Net interest income | $934,000 | 9,746 |
| Provision for loan and lease losses | $5,000 | 8,822 |
| Total noninterest income | $249,000 | 7,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $249,000 | 4,546 |
| Total noninterest expense | $1,247,000 | 7,841 |
| Salaries and employee benefits | $488,000 | 8,974 |
| Premises and equipment expense | $168,000 | 7,663 |
| Additional noninterest expense | $591,000 | 6,409 |
| Pre-tax net operating income | $-69,000 | 10,918 |
| Securities gains (losses) | $40,000 | 1,495 |
| Applicable income taxes | $-15,000 | 10,968 |
| Income before extraordinary items | $-14,000 | 10,856 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-14,000 | 10,852 |
| 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 | $-39,600 | 10,869 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,688,000 | 8,652 |
| Total interest expense | $1,718,000 | 7,094 |
| Net interest income | $970,000 | 10,025 |
| Provision for loan and lease losses | $-70,000 | 11,644 |
| Total noninterest income | $76,000 | 10,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $76,000 | 8,106 |
| Total noninterest expense | $870,000 | 9,476 |
| Salaries and employee benefits | $424,000 | 9,745 |
| Premises and equipment expense | $151,000 | 8,239 |
| Additional noninterest expense | $295,000 | 9,291 |
| Pre-tax net operating income | $246,000 | 10,147 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $96,000 | 9,254 |
| Income before extraordinary items | $165,000 | 10,311 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $165,000 | 10,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $155,400 | 10,388 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,574,000 | 8,779 |
| Total interest expense | $1,458,000 | 7,015 |
| Net interest income | $1,116,000 | 10,014 |
| Provision for loan and lease losses | $42,000 | 6,508 |
| Total noninterest income | $56,000 | 11,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $56,000 | 9,309 |
| Total noninterest expense | $793,000 | 10,278 |
| Salaries and employee benefits | $377,000 | 10,491 |
| Premises and equipment expense | $141,000 | 8,799 |
| Additional noninterest expense | $275,000 | 10,242 |
| Pre-tax net operating income | $337,000 | 9,847 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $126,000 | 8,792 |
| Income before extraordinary items | $211,000 | 10,149 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $211,000 | 10,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,066 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $211,000 | 10,199 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,748,000 | 8,748 |
| Total interest expense | $1,707,000 | 6,600 |
| Net interest income | $1,041,000 | 10,627 |
| Provision for loan and lease losses | $52,000 | 7,360 |
| Total noninterest income | $114,000 | 10,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $114,000 | 7,477 |
| Total noninterest expense | $719,000 | 11,076 |
| Salaries and employee benefits | $320,000 | 11,445 |
| Premises and equipment expense | $151,000 | 8,878 |
| Additional noninterest expense | $248,000 | 11,112 |
| Pre-tax net operating income | $384,000 | 9,536 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $161,000 | 8,402 |
| Income before extraordinary items | $230,000 | 10,269 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $230,000 | 10,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $225,520 | 10,101 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,127,000 | 8,755 |
| Total interest expense | $2,053,000 | 6,999 |
| Net interest income | $1,074,000 | 10,795 |
| Provision for loan and lease losses | $2,000 | 11,664 |
| Total noninterest income | $153,000 | 10,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $153,000 | 6,572 |
| Total noninterest expense | $736,000 | 11,324 |
| Salaries and employee benefits | $291,000 | 12,113 |
| Premises and equipment expense | $89,000 | 11,144 |
| Additional noninterest expense | $356,000 | 10,116 |
| Pre-tax net operating income | $489,000 | 8,484 |
| Securities gains (losses) | $-44,000 | 13,652 |
| Applicable income taxes | $175,000 | 8,076 |
| Income before extraordinary items | $270,000 | 9,680 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $270,000 | 9,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $298,160 | 8,965 |
* 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.