Home > Muskegon Commerce Bank > Income and Expense
Muskegon Commerce Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,146,000 | 5,375 |
| Total interest expense | $2,772,000 | 4,483 |
| Net interest income | $2,374,000 | 6,019 |
| Provision for loan and lease losses | $5,639,000 | 924 |
| Total noninterest income | $367,000 | 5,441 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $175,000 | 5,032 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $192,000 | 4,907 |
| Total noninterest expense | $3,012,000 | 5,101 |
| Salaries and employee benefits | $787,000 | 6,943 |
| Premises and equipment expense | $363,000 | 5,341 |
| Additional noninterest expense | $1,862,000 | 3,050 |
| Pre-tax net operating income | $-5,910,000 | 7,854 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-2,005,000 | 7,916 |
| Income before extraordinary items | $-3,905,000 | 7,724 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,905,000 | 7,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,004,000 | 1,286 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,905,000 | 7,790 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,066,000 | 5,299 |
| Total interest expense | $2,080,000 | 4,584 |
| Net interest income | $1,986,000 | 5,811 |
| Provision for loan and lease losses | $3,318,000 | 842 |
| Total noninterest income | $70,000 | 7,491 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $129,000 | 5,104 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-59,000 | 8,250 |
| Total noninterest expense | $2,359,000 | 4,947 |
| Salaries and employee benefits | $617,000 | 6,857 |
| Premises and equipment expense | $254,000 | 5,538 |
| Additional noninterest expense | $1,488,000 | 2,787 |
| Pre-tax net operating income | $-3,621,000 | 8,063 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,227,000 | 8,101 |
| Income before extraordinary items | $-2,394,000 | 7,938 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,394,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,716,000 | 927 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,394,000 | 8,004 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,826,000 | 5,255 |
| Total interest expense | $1,438,000 | 4,628 |
| Net interest income | $1,388,000 | 5,692 |
| Provision for loan and lease losses | $3,318,000 | 566 |
| Total noninterest income | $20,000 | 8,023 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $90,000 | 5,031 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-70,000 | 8,370 |
| Total noninterest expense | $1,716,000 | 4,714 |
| Salaries and employee benefits | $433,000 | 6,801 |
| Premises and equipment expense | $167,000 | 5,612 |
| Additional noninterest expense | $1,116,000 | 2,493 |
| Pre-tax net operating income | $-3,626,000 | 8,256 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-1,225,000 | 8,287 |
| Income before extraordinary items | $-2,401,000 | 8,246 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,401,000 | 8,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,761,000 | 605 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,401,000 | 8,237 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,526,000 | 5,126 |
| Total interest expense | $801,000 | 4,507 |
| Net interest income | $725,000 | 5,584 |
| Provision for loan and lease losses | $668,000 | 832 |
| Total noninterest income | $110,000 | 5,238 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $47,000 | 4,917 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $63,000 | 4,607 |
| Total noninterest expense | $837,000 | 4,794 |
| Salaries and employee benefits | $179,000 | 7,201 |
| Premises and equipment expense | $74,000 | 5,910 |
| Additional noninterest expense | $584,000 | 2,368 |
| Pre-tax net operating income | $-670,000 | 8,178 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-224,000 | 8,274 |
| Income before extraordinary items | $-446,000 | 8,114 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-446,000 | 8,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 926 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-446,000 | 8,099 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,660,000 | 4,874 |
| Total interest expense | $3,537,000 | 4,313 |
| Net interest income | $3,123,000 | 5,396 |
| Provision for loan and lease losses | $1,341,000 | 1,152 |
| Total noninterest income | $457,000 | 5,229 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $263,000 | 4,357 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $194,000 | 5,123 |
| Total noninterest expense | $3,509,000 | 4,509 |
| Salaries and employee benefits | $1,486,000 | 5,333 |
| Premises and equipment expense | $278,000 | 5,964 |
| Additional noninterest expense | $1,745,000 | 3,017 |
| Pre-tax net operating income | $-1,270,000 | 8,134 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-424,000 | 8,278 |
| Income before extraordinary items | $-846,000 | 8,055 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-846,000 | 8,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $819,000 | 1,185 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-846,000 | 8,046 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,069,000 | 4,846 |
| Total interest expense | $2,697,000 | 4,283 |
| Net interest income | $2,372,000 | 5,387 |
| Provision for loan and lease losses | $744,000 | 1,158 |
| Total noninterest income | $357,000 | 5,158 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $219,000 | 4,140 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $138,000 | 5,251 |
| Total noninterest expense | $2,657,000 | 4,461 |
| Salaries and employee benefits | $1,125,000 | 5,287 |
| Premises and equipment expense | $214,000 | 5,910 |
| Additional noninterest expense | $1,318,000 | 2,941 |
| Pre-tax net operating income | $-672,000 | 8,172 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-224,000 | 8,336 |
| Income before extraordinary items | $-448,000 | 8,112 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-448,000 | 8,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $629,000 | 903 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-448,000 | 8,098 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,365,000 | 4,884 |
| Total interest expense | $1,774,000 | 4,330 |
| Net interest income | $1,591,000 | 5,401 |
| Provision for loan and lease losses | $337,000 | 1,413 |
| Total noninterest income | $243,000 | 5,139 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $163,000 | 3,923 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $80,000 | 5,520 |
| Total noninterest expense | $1,890,000 | 4,297 |
| Salaries and employee benefits | $754,000 | 5,314 |
| Premises and equipment expense | $141,000 | 5,973 |
| Additional noninterest expense | $995,000 | 2,638 |
| Pre-tax net operating income | $-393,000 | 8,220 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-126,000 | 8,407 |
| Income before extraordinary items | $-267,000 | 8,172 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-267,000 | 8,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,038 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-267,000 | 8,160 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,728,000 | 4,796 |
| Total interest expense | $904,000 | 4,255 |
| Net interest income | $824,000 | 5,286 |
| Provision for loan and lease losses | $257,000 | 935 |
| Total noninterest income | $95,000 | 5,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $68,000 | 4,246 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $27,000 | 6,153 |
| Total noninterest expense | $1,068,000 | 3,933 |
| Salaries and employee benefits | $382,000 | 5,313 |
| Premises and equipment expense | $75,000 | 5,852 |
| Additional noninterest expense | $611,000 | 2,155 |
| Pre-tax net operating income | $-406,000 | 8,474 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-134,000 | 8,536 |
| Income before extraordinary items | $-272,000 | 8,405 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-272,000 | 8,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 512 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-272,000 | 8,393 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,928,000 | 4,602 |
| Total interest expense | $3,639,000 | 3,818 |
| Net interest income | $3,289,000 | 5,252 |
| Provision for loan and lease losses | $1,198,000 | 881 |
| Total noninterest income | $566,000 | 4,866 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $208,000 | 4,900 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $358,000 | 3,951 |
| Total noninterest expense | $2,859,000 | 5,038 |
| Salaries and employee benefits | $1,376,000 | 5,470 |
| Premises and equipment expense | $265,000 | 6,054 |
| Additional noninterest expense | $1,218,000 | 3,882 |
| Pre-tax net operating income | $-202,000 | 8,120 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-61,000 | 8,311 |
| Income before extraordinary items | $-141,000 | 8,111 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-141,000 | 8,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $979,000 | 699 |
| Cash dividends | $900,000 | 2,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-141,000 | 8,099 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,223,000 | 4,573 |
| Total interest expense | $2,689,000 | 3,781 |
| Net interest income | $2,534,000 | 5,216 |
| Provision for loan and lease losses | $534,000 | 1,326 |
| Total noninterest income | $429,000 | 4,859 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $157,000 | 4,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $272,000 | 3,928 |
| Total noninterest expense | $2,146,000 | 5,029 |
| Salaries and employee benefits | $1,037,000 | 5,430 |
| Premises and equipment expense | $202,000 | 6,046 |
| Additional noninterest expense | $907,000 | 3,898 |
| Pre-tax net operating income | $283,000 | 7,080 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $108,000 | 4,852 |
| Income before extraordinary items | $175,000 | 7,343 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $175,000 | 7,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,105 |
| Cash dividends | $900,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $175,000 | 7,342 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,400,000 | 4,595 |
| Total interest expense | $1,703,000 | 3,796 |
| Net interest income | $1,697,000 | 5,229 |
| Provision for loan and lease losses | $245,000 | 1,789 |
| Total noninterest income | $352,000 | 4,334 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $109,000 | 4,821 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $243,000 | 3,370 |
| Total noninterest expense | $1,423,000 | 5,072 |
| Salaries and employee benefits | $701,000 | 5,421 |
| Premises and equipment expense | $127,000 | 6,211 |
| Additional noninterest expense | $595,000 | 3,944 |
| Pre-tax net operating income | $381,000 | 5,996 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $136,000 | 4,138 |
| Income before extraordinary items | $245,000 | 6,411 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $245,000 | 6,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,173 |
| Cash dividends | $600,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $245,000 | 6,418 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,655,000 | 4,623 |
| Total interest expense | $829,000 | 3,725 |
| Net interest income | $826,000 | 5,306 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $137,000 | 4,883 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $51,000 | 4,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $86,000 | 3,983 |
| Total noninterest expense | $726,000 | 5,011 |
| Salaries and employee benefits | $376,000 | 5,210 |
| Premises and equipment expense | $49,000 | 6,794 |
| Additional noninterest expense | $301,000 | 3,880 |
| Pre-tax net operating income | $237,000 | 5,482 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $84,000 | 3,828 |
| Income before extraordinary items | $153,000 | 5,915 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,900 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $153,000 | 5,919 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,444,000 | 4,410 |
| Total interest expense | $2,405,000 | 3,921 |
| Net interest income | $4,039,000 | 4,596 |
| Provision for loan and lease losses | $358,000 | 2,486 |
| Total noninterest income | $793,000 | 4,064 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $240,000 | 4,650 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $553,000 | 3,201 |
| Total noninterest expense | $2,671,000 | 5,155 |
| Salaries and employee benefits | $1,306,000 | 5,514 |
| Premises and equipment expense | $173,000 | 7,026 |
| Additional noninterest expense | $1,192,000 | 3,886 |
| Pre-tax net operating income | $1,803,000 | 3,953 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $619,000 | 3,023 |
| Income before extraordinary items | $1,184,000 | 4,381 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,184,000 | 4,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,029 |
| Cash dividends | $2,125,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,184,000 | 4,347 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,765,000 | 4,404 |
| Total interest expense | $1,652,000 | 4,026 |
| Net interest income | $3,113,000 | 4,517 |
| Provision for loan and lease losses | $146,000 | 3,540 |
| Total noninterest income | $597,000 | 4,060 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $182,000 | 4,659 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $415,000 | 3,216 |
| Total noninterest expense | $2,045,000 | 5,063 |
| Salaries and employee benefits | $1,030,000 | 5,324 |
| Premises and equipment expense | $133,000 | 6,961 |
| Additional noninterest expense | $882,000 | 3,868 |
| Pre-tax net operating income | $1,519,000 | 3,710 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $528,000 | 2,841 |
| Income before extraordinary items | $991,000 | 4,184 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $991,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,063 |
| Cash dividends | $1,900,000 | 1,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $991,000 | 4,135 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 4,361 |
| Total interest expense | $1,000,000 | 4,134 |
| Net interest income | $2,140,000 | 4,408 |
| Provision for loan and lease losses | $74,000 | 3,882 |
| Total noninterest income | $418,000 | 3,944 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $306,000 | 3,020 |
| Total noninterest expense | $1,314,000 | 5,181 |
| Salaries and employee benefits | $690,000 | 5,290 |
| Premises and equipment expense | $86,000 | 7,006 |
| Additional noninterest expense | $538,000 | 4,122 |
| Pre-tax net operating income | $1,170,000 | 3,307 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $405,000 | 2,595 |
| Income before extraordinary items | $765,000 | 3,743 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $765,000 | 3,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,400 |
| Cash dividends | $450,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $765,000 | 3,698 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 4,682 |
| Total interest expense | $463,000 | 4,245 |
| Net interest income | $942,000 | 4,814 |
| Provision for loan and lease losses | $72,000 | 2,641 |
| Total noninterest income | $239,000 | 3,569 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $51,000 | 4,944 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $188,000 | 2,577 |
| Total noninterest expense | $657,000 | 5,215 |
| Salaries and employee benefits | $342,000 | 5,371 |
| Premises and equipment expense | $43,000 | 7,087 |
| Additional noninterest expense | $272,000 | 4,102 |
| Pre-tax net operating income | $452,000 | 3,943 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $157,000 | 3,029 |
| Income before extraordinary items | $295,000 | 4,421 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $295,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,192 |
| Cash dividends | $225,000 | 2,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $295,000 | 4,379 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,643,000 | 4,460 |
| Total interest expense | $1,524,000 | 4,471 |
| Net interest income | $4,119,000 | 4,384 |
| Provision for loan and lease losses | $52,000 | 5,880 |
| Total noninterest income | $658,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $227,000 | 4,945 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $431,000 | 3,578 |
| Total noninterest expense | $2,413,000 | 5,423 |
| Salaries and employee benefits | $1,197,000 | 5,701 |
| Premises and equipment expense | $195,000 | 6,820 |
| Additional noninterest expense | $1,021,000 | 4,266 |
| Pre-tax net operating income | $2,312,000 | 3,192 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $796,000 | 2,542 |
| Income before extraordinary items | $1,516,000 | 3,608 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,516,000 | 3,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,801 |
| Cash dividends | $800,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,516,000 | 3,555 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,136,000 | 4,510 |
| Total interest expense | $1,107,000 | 4,521 |
| Net interest income | $3,029,000 | 4,438 |
| Provision for loan and lease losses | $26,000 | 6,144 |
| Total noninterest income | $466,000 | 4,728 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $176,000 | 4,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $290,000 | 3,788 |
| Total noninterest expense | $1,811,000 | 5,394 |
| Salaries and employee benefits | $913,000 | 5,624 |
| Premises and equipment expense | $146,000 | 6,792 |
| Additional noninterest expense | $752,000 | 4,277 |
| Pre-tax net operating income | $1,658,000 | 3,355 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $576,000 | 2,648 |
| Income before extraordinary items | $1,082,000 | 3,815 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,082,000 | 3,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,217 |
| Cash dividends | $600,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,082,000 | 3,742 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,579,000 | 4,729 |
| Total interest expense | $722,000 | 4,587 |
| Net interest income | $1,857,000 | 4,720 |
| Provision for loan and lease losses | $5,000 | 6,663 |
| Total noninterest income | $304,000 | 4,783 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $116,000 | 4,937 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $188,000 | 3,858 |
| Total noninterest expense | $1,197,000 | 5,451 |
| Salaries and employee benefits | $605,000 | 5,669 |
| Premises and equipment expense | $100,000 | 6,777 |
| Additional noninterest expense | $492,000 | 4,369 |
| Pre-tax net operating income | $959,000 | 3,628 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $334,000 | 2,884 |
| Income before extraordinary items | $625,000 | 4,135 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $625,000 | 4,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $400,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $625,000 | 4,049 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,295,000 | 4,732 |
| Total interest expense | $362,000 | 4,615 |
| Net interest income | $933,000 | 4,703 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $138,000 | 4,988 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $52,000 | 5,121 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $86,000 | 4,023 |
| Total noninterest expense | $603,000 | 5,435 |
| Salaries and employee benefits | $300,000 | 5,732 |
| Premises and equipment expense | $53,000 | 6,646 |
| Additional noninterest expense | $250,000 | 4,318 |
| Pre-tax net operating income | $465,000 | 3,707 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $162,000 | 2,950 |
| Income before extraordinary items | $303,000 | 4,240 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $303,000 | 4,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $200,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $303,000 | 4,117 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,460,000 | 4,588 |
| Total interest expense | $1,685,000 | 4,541 |
| Net interest income | $3,775,000 | 4,556 |
| Provision for loan and lease losses | $212,000 | 3,919 |
| Total noninterest income | $795,000 | 4,244 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $191,000 | 5,363 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $604,000 | 3,237 |
| Total noninterest expense | $2,183,000 | 5,705 |
| Salaries and employee benefits | $1,069,000 | 6,030 |
| Premises and equipment expense | $142,000 | 7,510 |
| Additional noninterest expense | $972,000 | 4,374 |
| Pre-tax net operating income | $2,175,000 | 3,202 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $748,000 | 2,661 |
| Income before extraordinary items | $1,427,000 | 3,678 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,427,000 | 3,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,331 |
| Cash dividends | $750,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,427,000 | 3,520 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,114,000 | 4,632 |
| Total interest expense | $1,332,000 | 4,513 |
| Net interest income | $2,782,000 | 4,629 |
| Provision for loan and lease losses | $130,000 | 4,216 |
| Total noninterest income | $683,000 | 3,996 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $146,000 | 5,371 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $537,000 | 3,006 |
| Total noninterest expense | $1,663,000 | 5,623 |
| Salaries and employee benefits | $827,000 | 5,905 |
| Premises and equipment expense | $89,000 | 7,828 |
| Additional noninterest expense | $747,000 | 4,274 |
| Pre-tax net operating income | $1,672,000 | 3,255 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $581,000 | 2,734 |
| Income before extraordinary items | $1,091,000 | 3,770 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,091,000 | 3,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,155 |
| Cash dividends | $562,000 | 2,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,091,000 | 3,597 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,745,000 | 4,668 |
| Total interest expense | $919,000 | 4,523 |
| Net interest income | $1,826,000 | 4,667 |
| Provision for loan and lease losses | $64,000 | 4,631 |
| Total noninterest income | $475,000 | 3,854 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $97,000 | 5,350 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $378,000 | 2,881 |
| Total noninterest expense | $1,062,000 | 5,782 |
| Salaries and employee benefits | $536,000 | 6,000 |
| Premises and equipment expense | $42,000 | 8,327 |
| Additional noninterest expense | $484,000 | 4,355 |
| Pre-tax net operating income | $1,175,000 | 3,130 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $406,000 | 2,658 |
| Income before extraordinary items | $769,000 | 3,615 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $769,000 | 3,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $375,000 | 2,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $769,000 | 3,420 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,388,000 | 4,657 |
| Total interest expense | $459,000 | 4,607 |
| Net interest income | $929,000 | 4,612 |
| Provision for loan and lease losses | $53,000 | 3,599 |
| Total noninterest income | $227,000 | 3,862 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $175,000 | 2,949 |
| Total noninterest expense | $543,000 | 5,687 |
| Salaries and employee benefits | $262,000 | 6,093 |
| Premises and equipment expense | $44,000 | 7,119 |
| Additional noninterest expense | $237,000 | 4,391 |
| Pre-tax net operating income | $560,000 | 3,240 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $194,000 | 2,754 |
| Income before extraordinary items | $366,000 | 3,688 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $366,000 | 3,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $188,000 | 2,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $366,000 | 3,513 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,741,000 | 4,695 |
| Total interest expense | $2,022,000 | 4,760 |
| Net interest income | $3,719,000 | 4,566 |
| Provision for loan and lease losses | $173,000 | 4,671 |
| Total noninterest income | $797,000 | 4,015 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $220,000 | 4,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $577,000 | 3,036 |
| Total noninterest expense | $2,110,000 | 5,686 |
| Salaries and employee benefits | $1,023,000 | 6,052 |
| Premises and equipment expense | $181,000 | 7,015 |
| Additional noninterest expense | $906,000 | 4,522 |
| Pre-tax net operating income | $2,233,000 | 3,154 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $761,000 | 2,682 |
| Income before extraordinary items | $1,472,000 | 3,553 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,472,000 | 3,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,273 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,472,000 | 3,450 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,713,000 | 5,151 |
| Total interest expense | $2,859,000 | 4,910 |
| Net interest income | $2,854,000 | 5,258 |
| Provision for loan and lease losses | $296,000 | 3,258 |
| Total noninterest income | $592,000 | 4,614 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $161,000 | 5,656 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $431,000 | 3,393 |
| Total noninterest expense | $1,889,000 | 5,952 |
| Salaries and employee benefits | $895,000 | 6,392 |
| Premises and equipment expense | $174,000 | 7,155 |
| Additional noninterest expense | $820,000 | 4,711 |
| Pre-tax net operating income | $1,261,000 | 4,313 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $445,000 | 3,522 |
| Income before extraordinary items | $816,000 | 4,821 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $816,000 | 4,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,593 |
| Cash dividends | $222,000 | 4,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $816,000 | 4,706 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,026,000 | 5,716 |
| Total interest expense | $2,659,000 | 5,348 |
| Net interest income | $2,367,000 | 6,012 |
| Provision for loan and lease losses | $205,000 | 3,684 |
| Total noninterest income | $385,000 | 5,622 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 6,308 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $270,000 | 4,145 |
| Total noninterest expense | $1,513,000 | 6,721 |
| Salaries and employee benefits | $680,000 | 7,290 |
| Premises and equipment expense | $170,000 | 7,242 |
| Additional noninterest expense | $663,000 | 5,392 |
| Pre-tax net operating income | $1,034,000 | 5,174 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $261,000 | 4,889 |
| Income before extraordinary items | $773,000 | 5,141 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $773,000 | 5,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $773,000 | 5,139 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,152,000 | 7,201 |
| Total interest expense | $1,612,000 | 6,703 |
| Net interest income | $1,540,000 | 7,510 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $283,000 | 6,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 7,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 4,897 |
| Total noninterest expense | $1,369,000 | 7,118 |
| Salaries and employee benefits | $582,000 | 7,851 |
| Premises and equipment expense | $170,000 | 7,325 |
| Additional noninterest expense | $617,000 | 5,720 |
| Pre-tax net operating income | $274,000 | 8,236 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $60,000 | 7,499 |
| Income before extraordinary items | $214,000 | 8,189 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $214,000 | 8,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $214,000 | 8,162 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,452,000 | 9,347 |
| Total interest expense | $819,000 | 8,891 |
| Net interest income | $633,000 | 9,651 |
| Provision for loan and lease losses | $228,000 | 3,242 |
| Total noninterest income | $212,000 | 7,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,551 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $184,000 | 5,183 |
| Total noninterest expense | $903,000 | 8,421 |
| Salaries and employee benefits | $373,000 | 9,138 |
| Premises and equipment expense | $85,000 | 9,045 |
| Additional noninterest expense | $445,000 | 6,845 |
| Pre-tax net operating income | $-286,000 | 10,057 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-286,000 | 10,106 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-286,000 | 10,101 |
| 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 | $-286,000 | 10,076 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $29,000 | 10,908 |
| Total interest expense | $6,000 | 10,880 |
| Net interest income | $23,000 | 10,907 |
| Provision for loan and lease losses | $17,000 | 8,044 |
| Total noninterest income | $1,000 | 10,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,828 |
| Total noninterest expense | $46,000 | 10,913 |
| Salaries and employee benefits | $17,000 | 10,902 |
| Premises and equipment expense | $1,000 | 10,892 |
| Additional noninterest expense | $28,000 | 10,891 |
| Pre-tax net operating income | $-39,000 | 10,433 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-39,000 | 10,454 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-39,000 | 10,457 |
| 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 | $2,643,000 | 337 |
| Net operating income | $-39,000 | 10,419 |
* 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.