Home > Mutual Community Savings Bank, SSB > Income and Expense
Mutual Community Savings Bank, SSB, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,610,000 | 5,928 |
| Total interest expense | $2,349,000 | 5,431 |
| Net interest income | $2,261,000 | 6,211 |
| Provision for loan and lease losses | $-33,000 | 8,284 |
| Total noninterest income | $1,071,000 | 3,399 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $515,000 | 2,987 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $556,000 | 3,139 |
| Total noninterest expense | $3,827,000 | 4,260 |
| Salaries and employee benefits | $1,774,000 | 4,786 |
| Premises and equipment expense | $728,000 | 3,337 |
| Additional noninterest expense | $1,325,000 | 3,783 |
| Pre-tax net operating income | $-462,000 | 7,793 |
| Securities gains (losses) | $-62,000 | 8,050 |
| Applicable income taxes | $1,114,000 | 1,732 |
| Income before extraordinary items | $-1,638,000 | 8,265 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,638,000 | 8,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,564 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,576,000 | 8,245 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,651,000 | 5,815 |
| Total interest expense | $1,892,000 | 5,251 |
| Net interest income | $1,759,000 | 6,170 |
| Provision for loan and lease losses | $-17,000 | 8,324 |
| Total noninterest income | $882,000 | 3,173 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $384,000 | 2,996 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $498,000 | 2,855 |
| Total noninterest expense | $2,873,000 | 4,216 |
| Salaries and employee benefits | $1,366,000 | 4,668 |
| Premises and equipment expense | $560,000 | 3,247 |
| Additional noninterest expense | $947,000 | 3,876 |
| Pre-tax net operating income | $-215,000 | 7,900 |
| Securities gains (losses) | $-62,000 | 8,213 |
| Applicable income taxes | $1,118,000 | 1,516 |
| Income before extraordinary items | $-1,395,000 | 8,399 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,395,000 | 8,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,997 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-1,333,000 | 8,380 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,572,000 | 5,698 |
| Total interest expense | $1,402,000 | 4,990 |
| Net interest income | $1,170,000 | 6,215 |
| Provision for loan and lease losses | $-18,000 | 8,376 |
| Total noninterest income | $728,000 | 2,751 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $259,000 | 2,959 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $469,000 | 2,342 |
| Total noninterest expense | $1,950,000 | 4,200 |
| Salaries and employee benefits | $962,000 | 4,536 |
| Premises and equipment expense | $346,000 | 3,476 |
| Additional noninterest expense | $642,000 | 3,806 |
| Pre-tax net operating income | $-34,000 | 7,864 |
| Securities gains (losses) | $-62,000 | 8,339 |
| Applicable income taxes | $1,099,000 | 1,188 |
| Income before extraordinary items | $-1,195,000 | 8,512 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,195,000 | 8,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,861 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-1,133,000 | 8,493 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,345,000 | 5,573 |
| Total interest expense | $759,000 | 4,743 |
| Net interest income | $586,000 | 6,218 |
| Provision for loan and lease losses | $18,000 | 4,475 |
| Total noninterest income | $964,000 | 1,339 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $132,000 | 2,876 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $832,000 | 970 |
| Total noninterest expense | $942,000 | 4,312 |
| Salaries and employee benefits | $489,000 | 4,510 |
| Premises and equipment expense | $183,000 | 3,346 |
| Additional noninterest expense | $270,000 | 4,283 |
| Pre-tax net operating income | $590,000 | 3,163 |
| Securities gains (losses) | $-62,000 | 8,519 |
| Applicable income taxes | $198,000 | 2,416 |
| Income before extraordinary items | $330,000 | 3,955 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $330,000 | 3,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $369,680 | 3,665 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,047,000 | 5,529 |
| Total interest expense | $2,664,000 | 4,644 |
| Net interest income | $2,383,000 | 6,146 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $670,000 | 4,466 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $546,000 | 2,877 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $124,000 | 5,958 |
| Total noninterest expense | $4,205,000 | 3,841 |
| Salaries and employee benefits | $2,065,000 | 4,167 |
| Premises and equipment expense | $684,000 | 3,387 |
| Additional noninterest expense | $1,456,000 | 3,368 |
| Pre-tax net operating income | $-1,272,000 | 8,491 |
| Securities gains (losses) | $-130,000 | 8,279 |
| Applicable income taxes | $-556,000 | 8,584 |
| Income before extraordinary items | $-846,000 | 8,423 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-846,000 | 8,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,486 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-762,800 | 8,384 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,754,000 | 5,553 |
| Total interest expense | $1,931,000 | 4,659 |
| Net interest income | $1,823,000 | 6,159 |
| Provision for loan and lease losses | $108,000 | 3,967 |
| Total noninterest income | $528,000 | 4,353 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $411,000 | 2,890 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $117,000 | 5,568 |
| Total noninterest expense | $3,156,000 | 3,828 |
| Salaries and employee benefits | $1,561,000 | 4,131 |
| Premises and equipment expense | $506,000 | 3,436 |
| Additional noninterest expense | $1,089,000 | 3,376 |
| Pre-tax net operating income | $-913,000 | 8,560 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-374,000 | 8,676 |
| Income before extraordinary items | $-539,000 | 8,486 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-539,000 | 8,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-539,000 | 8,477 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,487,000 | 5,549 |
| Total interest expense | $1,201,000 | 4,712 |
| Net interest income | $1,286,000 | 6,030 |
| Provision for loan and lease losses | $83,000 | 3,687 |
| Total noninterest income | $349,000 | 4,358 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $232,000 | 3,213 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $117,000 | 4,796 |
| Total noninterest expense | $2,130,000 | 3,797 |
| Salaries and employee benefits | $1,061,000 | 4,084 |
| Premises and equipment expense | $341,000 | 3,396 |
| Additional noninterest expense | $728,000 | 3,361 |
| Pre-tax net operating income | $-578,000 | 8,593 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-240,000 | 8,702 |
| Income before extraordinary items | $-338,000 | 8,513 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-338,000 | 8,514 |
| 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 | $-338,000 | 8,509 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,224,000 | 5,549 |
| Total interest expense | $559,000 | 4,795 |
| Net interest income | $665,000 | 5,959 |
| Provision for loan and lease losses | $21,000 | 4,472 |
| Total noninterest income | $173,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $118,000 | 3,110 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,927 |
| Total noninterest expense | $1,084,000 | 3,768 |
| Salaries and employee benefits | $514,000 | 4,203 |
| Premises and equipment expense | $174,000 | 3,356 |
| Additional noninterest expense | $396,000 | 3,153 |
| Pre-tax net operating income | $-267,000 | 8,596 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-107,000 | 8,699 |
| Income before extraordinary items | $-160,000 | 8,522 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-160,000 | 8,521 |
| 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 | $-160,000 | 8,510 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,995,000 | 5,150 |
| Total interest expense | $2,024,000 | 4,396 |
| Net interest income | $2,971,000 | 5,543 |
| Provision for loan and lease losses | $59,000 | 5,586 |
| Total noninterest income | $296,000 | 6,352 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $391,000 | 3,605 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-95,000 | 8,826 |
| Total noninterest expense | $3,892,000 | 3,937 |
| Salaries and employee benefits | $2,012,000 | 4,108 |
| Premises and equipment expense | $651,000 | 3,418 |
| Additional noninterest expense | $1,229,000 | 3,803 |
| Pre-tax net operating income | $-684,000 | 8,560 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-301,000 | 8,723 |
| Income before extraordinary items | $-383,000 | 8,501 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-383,000 | 8,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,212 |
| Cash dividends | $130,000 | 5,307 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 892 |
| Net operating income | $-383,000 | 8,484 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,709,000 | 5,154 |
| Total interest expense | $1,438,000 | 4,415 |
| Net interest income | $2,271,000 | 5,493 |
| Provision for loan and lease losses | $38,000 | 5,602 |
| Total noninterest income | $460,000 | 4,762 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $294,000 | 3,603 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $166,000 | 5,002 |
| Total noninterest expense | $2,811,000 | 4,034 |
| Salaries and employee benefits | $1,478,000 | 4,144 |
| Premises and equipment expense | $459,000 | 3,590 |
| Additional noninterest expense | $874,000 | 3,910 |
| Pre-tax net operating income | $-118,000 | 8,440 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-73,000 | 8,701 |
| Income before extraordinary items | $-45,000 | 8,406 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-45,000 | 8,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,740 |
| Cash dividends | $120,000 | 4,554 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 729 |
| Net operating income | $-45,000 | 8,379 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,450,000 | 5,127 |
| Total interest expense | $887,000 | 4,481 |
| Net interest income | $1,563,000 | 5,364 |
| Provision for loan and lease losses | $28,000 | 5,395 |
| Total noninterest income | $274,000 | 5,008 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $156,000 | 4,066 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $118,000 | 4,849 |
| Total noninterest expense | $1,838,000 | 4,069 |
| Salaries and employee benefits | $955,000 | 4,214 |
| Premises and equipment expense | $299,000 | 3,637 |
| Additional noninterest expense | $584,000 | 3,886 |
| Pre-tax net operating income | $-29,000 | 8,410 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-33,000 | 8,690 |
| Income before extraordinary items | $4,000 | 8,358 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,000 | 8,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,785 |
| Cash dividends | $120,000 | 4,098 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 599 |
| Net operating income | $4,000 | 8,328 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,231,000 | 5,105 |
| Total interest expense | $368,000 | 4,916 |
| Net interest income | $863,000 | 5,096 |
| Provision for loan and lease losses | $14,000 | 5,196 |
| Total noninterest income | $136,000 | 4,970 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $70,000 | 4,462 |
| Total noninterest expense | $872,000 | 4,265 |
| Salaries and employee benefits | $462,000 | 4,344 |
| Premises and equipment expense | $144,000 | 3,757 |
| Additional noninterest expense | $266,000 | 4,163 |
| Pre-tax net operating income | $113,000 | 7,043 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $44,000 | 4,929 |
| Income before extraordinary items | $69,000 | 7,447 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $69,000 | 7,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,391 |
| Cash dividends | $120,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 450 |
| Net operating income | $69,000 | 7,418 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,819,000 | 4,967 |
| Total interest expense | $1,515,000 | 4,485 |
| Net interest income | $3,304,000 | 5,100 |
| Provision for loan and lease losses | $122,000 | 4,597 |
| Total noninterest income | $440,000 | 5,586 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $304,000 | 4,280 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $136,000 | 5,870 |
| Total noninterest expense | $3,232,000 | 4,435 |
| Salaries and employee benefits | $1,689,000 | 4,547 |
| Premises and equipment expense | $672,000 | 3,234 |
| Additional noninterest expense | $871,000 | 4,813 |
| Pre-tax net operating income | $390,000 | 7,122 |
| Securities gains (losses) | $18,000 | 2,469 |
| Applicable income taxes | $144,000 | 5,152 |
| Income before extraordinary items | $264,000 | 7,371 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $264,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,291 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $252,300 | 7,365 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,614,000 | 4,958 |
| Total interest expense | $1,150,000 | 4,413 |
| Net interest income | $2,464,000 | 5,107 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $335,000 | 5,568 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $235,000 | 4,247 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $100,000 | 5,916 |
| Total noninterest expense | $2,366,000 | 4,475 |
| Salaries and employee benefits | $1,220,000 | 4,630 |
| Premises and equipment expense | $518,000 | 3,156 |
| Additional noninterest expense | $628,000 | 4,904 |
| Pre-tax net operating income | $343,000 | 6,985 |
| Securities gains (losses) | $13,000 | 2,563 |
| Applicable income taxes | $145,000 | 4,899 |
| Income before extraordinary items | $211,000 | 7,412 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $211,000 | 7,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,673 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $202,680 | 7,407 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,399,000 | 4,990 |
| Total interest expense | $762,000 | 4,418 |
| Net interest income | $1,637,000 | 5,118 |
| Provision for loan and lease losses | $68,000 | 4,156 |
| Total noninterest income | $224,000 | 5,580 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $160,000 | 4,180 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $64,000 | 6,013 |
| Total noninterest expense | $1,606,000 | 4,443 |
| Salaries and employee benefits | $804,000 | 4,710 |
| Premises and equipment expense | $358,000 | 3,073 |
| Additional noninterest expense | $444,000 | 4,721 |
| Pre-tax net operating income | $187,000 | 7,278 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $79,000 | 5,131 |
| Income before extraordinary items | $121,000 | 7,577 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $121,000 | 7,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,878 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $112,680 | 7,587 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,186,000 | 5,038 |
| Total interest expense | $383,000 | 4,448 |
| Net interest income | $803,000 | 5,199 |
| Provision for loan and lease losses | $46,000 | 3,418 |
| Total noninterest income | $116,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $79,000 | 4,141 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $37,000 | 5,724 |
| Total noninterest expense | $774,000 | 4,583 |
| Salaries and employee benefits | $389,000 | 4,840 |
| Premises and equipment expense | $183,000 | 3,042 |
| Additional noninterest expense | $202,000 | 5,044 |
| Pre-tax net operating income | $99,000 | 7,169 |
| Securities gains (losses) | $13,000 | 1,918 |
| Applicable income taxes | $39,000 | 5,128 |
| Income before extraordinary items | $73,000 | 7,361 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $73,000 | 7,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,954 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $64,550 | 7,418 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,213,000 | 5,458 |
| Total interest expense | $1,682,000 | 4,544 |
| Net interest income | $2,531,000 | 5,861 |
| Provision for loan and lease losses | $316,000 | 3,046 |
| Total noninterest income | $548,000 | 5,190 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $309,000 | 4,228 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $239,000 | 4,932 |
| Total noninterest expense | $3,475,000 | 4,146 |
| Salaries and employee benefits | $1,579,000 | 4,686 |
| Premises and equipment expense | $783,000 | 2,815 |
| Additional noninterest expense | $1,113,000 | 3,949 |
| Pre-tax net operating income | $-712,000 | 8,899 |
| Securities gains (losses) | $55,000 | 2,425 |
| Applicable income taxes | $-272,000 | 9,048 |
| Income before extraordinary items | $-385,000 | 8,858 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-385,000 | 8,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,141 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 814 |
| Net operating income | $-420,200 | 8,808 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 5,644 |
| Total interest expense | $1,262,000 | 4,669 |
| Net interest income | $1,795,000 | 6,058 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $291,000 | 6,079 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $208,000 | 4,511 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 6,408 |
| Total noninterest expense | $2,518,000 | 4,241 |
| Salaries and employee benefits | $1,169,000 | 4,722 |
| Premises and equipment expense | $595,000 | 2,794 |
| Additional noninterest expense | $754,000 | 4,241 |
| Pre-tax net operating income | $-522,000 | 8,967 |
| Securities gains (losses) | $26,000 | 2,803 |
| Applicable income taxes | $-187,000 | 9,112 |
| Income before extraordinary items | $-309,000 | 8,953 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-309,000 | 8,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,128 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-325,640 | 8,895 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,993,000 | 5,762 |
| Total interest expense | $806,000 | 4,903 |
| Net interest income | $1,187,000 | 6,098 |
| Provision for loan and lease losses | $65,000 | 4,607 |
| Total noninterest income | $208,000 | 5,906 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $142,000 | 4,419 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $66,000 | 6,086 |
| Total noninterest expense | $1,683,000 | 4,233 |
| Salaries and employee benefits | $777,000 | 4,707 |
| Premises and equipment expense | $416,000 | 2,678 |
| Additional noninterest expense | $490,000 | 4,311 |
| Pre-tax net operating income | $-353,000 | 9,009 |
| Securities gains (losses) | $26,000 | 2,455 |
| Applicable income taxes | $-121,000 | 9,154 |
| Income before extraordinary items | $-206,000 | 9,006 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-206,000 | 9,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-222,640 | 8,950 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $969,000 | 5,868 |
| Total interest expense | $380,000 | 5,186 |
| Net interest income | $589,000 | 6,112 |
| Provision for loan and lease losses | $28,000 | 4,838 |
| Total noninterest income | $106,000 | 5,763 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $74,000 | 4,258 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 6,104 |
| Total noninterest expense | $849,000 | 4,182 |
| Salaries and employee benefits | $389,000 | 4,701 |
| Premises and equipment expense | $207,000 | 2,693 |
| Additional noninterest expense | $253,000 | 4,171 |
| Pre-tax net operating income | $-182,000 | 9,070 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-65,000 | 9,196 |
| Income before extraordinary items | $-117,000 | 9,054 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-117,000 | 9,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-117,000 | 8,987 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,182,000 | 5,768 |
| Total interest expense | $1,583,000 | 5,555 |
| Net interest income | $2,599,000 | 5,781 |
| Provision for loan and lease losses | $32,000 | 7,161 |
| Total noninterest income | $470,000 | 5,385 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $287,000 | 4,329 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $183,000 | 5,205 |
| Total noninterest expense | $3,962,000 | 3,587 |
| Salaries and employee benefits | $1,211,000 | 5,453 |
| Premises and equipment expense | $902,000 | 2,404 |
| Additional noninterest expense | $1,849,000 | 2,494 |
| Pre-tax net operating income | $-925,000 | 9,103 |
| Securities gains (losses) | $181,000 | 1,241 |
| Applicable income taxes | $-139,000 | 9,094 |
| Income before extraordinary items | $-605,000 | 9,076 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-605,000 | 9,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,433 |
| Cash dividends | $98,000 | 5,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-751,610 | 9,083 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,822,000 | 5,746 |
| Total interest expense | $2,243,000 | 5,759 |
| Net interest income | $2,579,000 | 5,609 |
| Provision for loan and lease losses | $59,000 | 6,506 |
| Total noninterest income | $387,000 | 5,766 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $277,000 | 4,365 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $110,000 | 6,201 |
| Total noninterest expense | $2,730,000 | 4,657 |
| Salaries and employee benefits | $1,131,000 | 5,538 |
| Premises and equipment expense | $615,000 | 3,296 |
| Additional noninterest expense | $984,000 | 4,120 |
| Pre-tax net operating income | $177,000 | 7,991 |
| Securities gains (losses) | $122,000 | 1,593 |
| Applicable income taxes | $121,000 | 5,759 |
| Income before extraordinary items | $178,000 | 7,875 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $178,000 | 7,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,448 |
| Cash dividends | $196,000 | 5,066 |
| Sale, conversion, retirement of capital stock, net | $-10,000 | 9,450 |
| Net operating income | $99,920 | 8,235 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,699,000 | 5,948 |
| Total interest expense | $2,276,000 | 5,865 |
| Net interest income | $2,423,000 | 5,928 |
| Provision for loan and lease losses | $-30,000 | 9,738 |
| Total noninterest income | $528,000 | 4,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,245 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $248,000 | 4,312 |
| Total noninterest expense | $2,749,000 | 4,527 |
| Salaries and employee benefits | $1,246,000 | 5,058 |
| Premises and equipment expense | $610,000 | 3,222 |
| Additional noninterest expense | $893,000 | 4,364 |
| Pre-tax net operating income | $232,000 | 8,228 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $93,000 | 6,606 |
| Income before extraordinary items | $141,000 | 8,474 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $141,000 | 8,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 823 |
| Net operating income | $139,720 | 8,478 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,251,000 | 6,150 |
| Total interest expense | $1,785,000 | 6,382 |
| Net interest income | $2,466,000 | 5,848 |
| Provision for loan and lease losses | $-30,000 | 10,026 |
| Total noninterest income | $511,000 | 4,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,075 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $220,000 | 4,722 |
| Total noninterest expense | $2,701,000 | 4,594 |
| Salaries and employee benefits | $1,178,000 | 5,233 |
| Premises and equipment expense | $405,000 | 4,490 |
| Additional noninterest expense | $1,118,000 | 3,669 |
| Pre-tax net operating income | $306,000 | 8,064 |
| Securities gains (losses) | $92,000 | 757 |
| Applicable income taxes | $153,000 | 6,242 |
| Income before extraordinary items | $245,000 | 7,964 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $245,000 | 7,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,540 |
| Cash dividends | $134,000 | 5,789 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 853 |
| Net operating income | $186,120 | 8,366 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,527,000 | 6,038 |
| Total interest expense | $1,952,000 | 6,262 |
| Net interest income | $2,575,000 | 5,725 |
| Provision for loan and lease losses | $6,000 | 8,399 |
| Total noninterest income | $564,000 | 4,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $318,000 | 3,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $246,000 | 4,466 |
| Total noninterest expense | $2,490,000 | 4,793 |
| Salaries and employee benefits | $1,178,000 | 5,140 |
| Premises and equipment expense | $370,000 | 4,705 |
| Additional noninterest expense | $942,000 | 4,151 |
| Pre-tax net operating income | $643,000 | 6,711 |
| Securities gains (losses) | $-6,000 | 10,112 |
| Applicable income taxes | $250,000 | 5,646 |
| Income before extraordinary items | $387,000 | 7,297 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $387,000 | 7,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,450 |
| Cash dividends | $134,000 | 5,942 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 841 |
| Net operating income | $390,840 | 7,195 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,417,000 | 6,301 |
| Total interest expense | $1,848,000 | 6,566 |
| Net interest income | $2,569,000 | 5,946 |
| Provision for loan and lease losses | $6,000 | 8,580 |
| Total noninterest income | $388,000 | 5,825 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,392 |
| Total noninterest expense | $2,387,000 | 4,968 |
| Salaries and employee benefits | $1,140,000 | 5,313 |
| Premises and equipment expense | $325,000 | 5,166 |
| Additional noninterest expense | $922,000 | 4,213 |
| Pre-tax net operating income | $564,000 | 7,587 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $206,000 | 6,797 |
| Income before extraordinary items | $353,000 | 7,971 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $353,000 | 7,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,525 |
| Cash dividends | $131,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 836 |
| Net operating income | $356,200 | 7,889 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,933,000 | 5,998 |
| Total interest expense | $2,306,000 | 5,840 |
| Net interest income | $2,627,000 | 5,998 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $349,000 | 6,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 8,317 |
| Total noninterest expense | $3,015,000 | 4,292 |
| Salaries and employee benefits | $991,000 | 6,031 |
| Premises and equipment expense | $343,000 | 5,078 |
| Additional noninterest expense | $1,681,000 | 2,837 |
| Pre-tax net operating income | $-39,000 | 10,877 |
| Securities gains (losses) | $-158,000 | 11,277 |
| Applicable income taxes | $-78,000 | 11,142 |
| Income before extraordinary items | $-119,000 | 11,026 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-119,000 | 11,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 641 |
| Net operating income | $-17,880 | 10,819 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,278,000 | 6,719 |
| Total interest expense | $1,974,000 | 6,526 |
| Net interest income | $2,304,000 | 6,673 |
| Provision for loan and lease losses | $21,000 | 7,611 |
| Total noninterest income | $261,000 | 7,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,878 |
| Total noninterest expense | $2,082,000 | 5,801 |
| Salaries and employee benefits | $935,000 | 6,375 |
| Premises and equipment expense | $312,000 | 5,461 |
| Additional noninterest expense | $835,000 | 5,076 |
| Pre-tax net operating income | $462,000 | 8,676 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $166,000 | 7,998 |
| Income before extraordinary items | $299,000 | 8,955 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $299,000 | 8,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $118,000 | 6,537 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 631 |
| Net operating income | $297,080 | 8,940 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 7,207 |
| Total interest expense | $1,320,000 | 7,485 |
| Net interest income | $2,271,000 | 6,921 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $203,000 | 8,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 7,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,058 |
| Total noninterest expense | $1,943,000 | 6,358 |
| Salaries and employee benefits | $887,000 | 6,726 |
| Premises and equipment expense | $511,000 | 3,731 |
| Additional noninterest expense | $545,000 | 7,466 |
| Pre-tax net operating income | $513,000 | 8,569 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $200,000 | 7,346 |
| Income before extraordinary items | $327,000 | 8,851 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $327,000 | 8,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $126,000 | 6,439 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 820 |
| Net operating income | $318,040 | 9,018 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,611,000 | 7,387 |
| Total interest expense | $1,389,000 | 7,584 |
| Net interest income | $2,222,000 | 7,124 |
| Provision for loan and lease losses | $113,000 | 5,452 |
| Total noninterest income | $184,000 | 9,527 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 7,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,494 |
| Total noninterest expense | $1,860,000 | 6,731 |
| Salaries and employee benefits | $842,000 | 7,064 |
| Premises and equipment expense | $471,000 | 4,080 |
| Additional noninterest expense | $547,000 | 7,797 |
| Pre-tax net operating income | $433,000 | 9,156 |
| Securities gains (losses) | $78,000 | 2,824 |
| Applicable income taxes | $193,000 | 7,749 |
| Income before extraordinary items | $318,000 | 9,263 |
| Extraordinary gains, net | $-10,000 | 12,314 |
| Net income | $308,000 | 9,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,468 |
| Cash dividends | $27,000 | 8,519 |
| Sale, conversion, retirement of capital stock, net | $2,651,000 | 298 |
| Net operating income | $268,080 | 9,580 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,087,000 | 7,397 |
| Total interest expense | $1,920,000 | 7,302 |
| Net interest income | $2,167,000 | 7,324 |
| Provision for loan and lease losses | $47,000 | 9,237 |
| Total noninterest income | $257,000 | 8,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 6,391 |
| Total noninterest expense | $2,044,000 | 6,268 |
| Salaries and employee benefits | $905,000 | 6,591 |
| Premises and equipment expense | $398,000 | 4,812 |
| Additional noninterest expense | $741,000 | 6,477 |
| Pre-tax net operating income | $333,000 | 9,840 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $156,000 | 8,466 |
| Income before extraordinary items | $177,000 | 10,906 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $177,000 | 11,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 7,730 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $177,000 | 10,577 |
* 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.