Home > Napa Community Bank > Income and Expense
Napa Community Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,068,000 | 3,621 |
| Total interest expense | $346,000 | 4,858 |
| Net interest income | $1,722,000 | 3,175 |
| Provision for loan and lease losses | $1,008,000 | 1,162 |
| Total noninterest income | $-64,000 | 7,772 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $100,000 | 3,146 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-164,000 | 7,787 |
| Total noninterest expense | $1,011,000 | 4,247 |
| Salaries and employee benefits | $442,000 | 4,704 |
| Premises and equipment expense | $153,000 | 3,841 |
| Additional noninterest expense | $416,000 | 3,713 |
| Pre-tax net operating income | $-361,000 | 7,054 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-142,000 | 7,509 |
| Income before extraordinary items | $-219,000 | 6,960 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-219,000 | 6,961 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-219,000 | 6,960 |
| Net charge-offs | $521,000 | 1,555 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-219,000 | 6,924 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,578,000 | 3,638 |
| Total interest expense | $1,224,000 | 5,620 |
| Net interest income | $7,354,000 | 2,933 |
| Provision for loan and lease losses | $3,174,000 | 1,903 |
| Total noninterest income | $360,000 | 5,309 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $365,000 | 3,499 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-5,000 | 7,453 |
| Total noninterest expense | $3,678,000 | 4,575 |
| Salaries and employee benefits | $1,613,000 | 4,979 |
| Premises and equipment expense | $602,000 | 3,862 |
| Additional noninterest expense | $1,463,000 | 4,147 |
| Pre-tax net operating income | $862,000 | 3,222 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $377,000 | 1,822 |
| Income before extraordinary items | $485,000 | 3,914 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $485,000 | 3,913 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $485,000 | 3,913 |
| Net charge-offs | $2,571,000 | 1,767 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $485,000 | 3,843 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,383,000 | 3,705 |
| Total interest expense | $896,000 | 5,808 |
| Net interest income | $5,487,000 | 2,942 |
| Provision for loan and lease losses | $832,000 | 3,055 |
| Total noninterest income | $281,000 | 5,312 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $257,000 | 3,639 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $24,000 | 6,871 |
| Total noninterest expense | $2,854,000 | 4,486 |
| Salaries and employee benefits | $1,277,000 | 4,847 |
| Premises and equipment expense | $455,000 | 3,882 |
| Additional noninterest expense | $1,122,000 | 4,059 |
| Pre-tax net operating income | $2,082,000 | 1,563 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $858,000 | 950 |
| Income before extraordinary items | $1,224,000 | 2,145 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,224,000 | 2,142 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,224,000 | 2,145 |
| Net charge-offs | $172,000 | 4,437 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,224,000 | 2,098 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,224,000 | 3,760 |
| Total interest expense | $591,000 | 5,948 |
| Net interest income | $3,633,000 | 2,955 |
| Provision for loan and lease losses | $201,000 | 4,309 |
| Total noninterest income | $136,000 | 5,892 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $175,000 | 3,579 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-39,000 | 7,889 |
| Total noninterest expense | $1,973,000 | 4,416 |
| Salaries and employee benefits | $894,000 | 4,764 |
| Premises and equipment expense | $301,000 | 3,922 |
| Additional noninterest expense | $778,000 | 3,958 |
| Pre-tax net operating income | $1,595,000 | 1,439 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $669,000 | 856 |
| Income before extraordinary items | $926,000 | 1,971 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $926,000 | 1,969 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $926,000 | 1,970 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $926,000 | 1,907 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,056,000 | 3,860 |
| Total interest expense | $289,000 | 6,094 |
| Net interest income | $1,767,000 | 3,016 |
| Provision for loan and lease losses | $-24,000 | 8,199 |
| Total noninterest income | $3,000 | 7,960 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $86,000 | 3,560 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-83,000 | 8,112 |
| Total noninterest expense | $956,000 | 4,445 |
| Salaries and employee benefits | $450,000 | 4,789 |
| Premises and equipment expense | $146,000 | 4,058 |
| Additional noninterest expense | $360,000 | 3,872 |
| Pre-tax net operating income | $838,000 | 1,533 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $351,000 | 916 |
| Income before extraordinary items | $487,000 | 2,183 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $487,000 | 2,182 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $487,000 | 2,184 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $487,000 | 2,045 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,196,000 | 4,078 |
| Total interest expense | $1,816,000 | 5,546 |
| Net interest income | $6,380,000 | 3,309 |
| Provision for loan and lease losses | $1,304,000 | 2,327 |
| Total noninterest income | $424,000 | 5,172 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $371,000 | 3,608 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $53,000 | 6,703 |
| Total noninterest expense | $3,408,000 | 4,725 |
| Salaries and employee benefits | $1,714,000 | 4,944 |
| Premises and equipment expense | $561,000 | 4,151 |
| Additional noninterest expense | $1,133,000 | 4,467 |
| Pre-tax net operating income | $2,092,000 | 2,358 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $869,000 | 1,327 |
| Income before extraordinary items | $1,223,000 | 2,874 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,223,000 | 2,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $483,000 | 2,842 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,223,000 | 3,024 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,112,000 | 4,151 |
| Total interest expense | $1,437,000 | 5,545 |
| Net interest income | $4,675,000 | 3,384 |
| Provision for loan and lease losses | $961,000 | 1,869 |
| Total noninterest income | $439,000 | 4,636 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $291,000 | 3,540 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $148,000 | 4,974 |
| Total noninterest expense | $2,597,000 | 4,664 |
| Salaries and employee benefits | $1,315,000 | 4,882 |
| Premises and equipment expense | $421,000 | 4,143 |
| Additional noninterest expense | $861,000 | 4,340 |
| Pre-tax net operating income | $1,556,000 | 2,766 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $642,000 | 1,619 |
| Income before extraordinary items | $914,000 | 3,284 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $914,000 | 3,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 2,636 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $914,000 | 3,417 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,975,000 | 4,269 |
| Total interest expense | $1,000,000 | 5,573 |
| Net interest income | $2,975,000 | 3,513 |
| Provision for loan and lease losses | $696,000 | 1,541 |
| Total noninterest income | $265,000 | 4,869 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $202,000 | 3,465 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $63,000 | 5,798 |
| Total noninterest expense | $1,729,000 | 4,694 |
| Salaries and employee benefits | $858,000 | 4,992 |
| Premises and equipment expense | $279,000 | 4,179 |
| Additional noninterest expense | $592,000 | 4,240 |
| Pre-tax net operating income | $815,000 | 3,388 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $348,000 | 2,027 |
| Income before extraordinary items | $467,000 | 4,147 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $467,000 | 4,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,860 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $467,000 | 4,091 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,916,000 | 4,445 |
| Total interest expense | $557,000 | 5,483 |
| Net interest income | $1,359,000 | 3,746 |
| Provision for loan and lease losses | $340,000 | 1,271 |
| Total noninterest income | $119,000 | 5,106 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $98,000 | 3,504 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $21,000 | 6,395 |
| Total noninterest expense | $879,000 | 4,656 |
| Salaries and employee benefits | $433,000 | 4,992 |
| Premises and equipment expense | $146,000 | 4,066 |
| Additional noninterest expense | $300,000 | 4,119 |
| Pre-tax net operating income | $259,000 | 4,460 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $113,000 | 2,648 |
| Income before extraordinary items | $146,000 | 5,249 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $146,000 | 5,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 1,017 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $146,000 | 5,144 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,843,000 | 4,087 |
| Total interest expense | $3,047,000 | 4,747 |
| Net interest income | $5,796,000 | 3,600 |
| Provision for loan and lease losses | $107,000 | 4,818 |
| Total noninterest income | $640,000 | 4,497 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $337,000 | 3,854 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $303,000 | 4,222 |
| Total noninterest expense | $3,694,000 | 4,357 |
| Salaries and employee benefits | $2,088,000 | 4,258 |
| Premises and equipment expense | $548,000 | 4,095 |
| Additional noninterest expense | $1,058,000 | 4,463 |
| Pre-tax net operating income | $2,635,000 | 2,710 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,093,000 | 1,757 |
| Income before extraordinary items | $1,542,000 | 3,382 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,542,000 | 3,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,456 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,542,000 | 3,367 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,516,000 | 4,157 |
| Total interest expense | $2,322,000 | 4,714 |
| Net interest income | $4,194,000 | 3,695 |
| Provision for loan and lease losses | $90,000 | 4,255 |
| Total noninterest income | $516,000 | 4,346 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $234,000 | 4,004 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $282,000 | 3,857 |
| Total noninterest expense | $2,806,000 | 4,296 |
| Salaries and employee benefits | $1,603,000 | 4,163 |
| Premises and equipment expense | $408,000 | 4,109 |
| Additional noninterest expense | $795,000 | 4,378 |
| Pre-tax net operating income | $1,814,000 | 3,045 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $748,000 | 1,989 |
| Income before extraordinary items | $1,066,000 | 3,735 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,066,000 | 3,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,478 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,066,000 | 3,720 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,172,000 | 4,293 |
| Total interest expense | $1,512,000 | 4,774 |
| Net interest income | $2,660,000 | 3,855 |
| Provision for loan and lease losses | $-15,000 | 8,370 |
| Total noninterest income | $315,000 | 4,558 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $138,000 | 4,271 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $177,000 | 4,023 |
| Total noninterest expense | $1,903,000 | 4,271 |
| Salaries and employee benefits | $1,078,000 | 4,174 |
| Premises and equipment expense | $270,000 | 4,152 |
| Additional noninterest expense | $555,000 | 4,247 |
| Pre-tax net operating income | $1,087,000 | 3,347 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $461,000 | 2,183 |
| Income before extraordinary items | $626,000 | 4,074 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $626,000 | 4,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,999 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $626,000 | 4,064 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,038,000 | 4,347 |
| Total interest expense | $693,000 | 5,007 |
| Net interest income | $1,345,000 | 3,827 |
| Provision for loan and lease losses | $-15,000 | 8,450 |
| Total noninterest income | $200,000 | 4,014 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $69,000 | 4,205 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $131,000 | 3,257 |
| Total noninterest expense | $958,000 | 4,264 |
| Salaries and employee benefits | $546,000 | 4,160 |
| Premises and equipment expense | $133,000 | 4,204 |
| Additional noninterest expense | $279,000 | 4,177 |
| Pre-tax net operating income | $602,000 | 3,107 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $254,000 | 2,070 |
| Income before extraordinary items | $348,000 | 3,836 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $348,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $348,000 | 3,816 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,640,000 | 4,705 |
| Total interest expense | $1,509,000 | 6,099 |
| Net interest income | $5,131,000 | 3,931 |
| Provision for loan and lease losses | $-217,000 | 8,544 |
| Total noninterest income | $572,000 | 4,844 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $232,000 | 4,674 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $340,000 | 4,054 |
| Total noninterest expense | $3,308,000 | 4,566 |
| Salaries and employee benefits | $1,752,000 | 4,707 |
| Premises and equipment expense | $545,000 | 4,026 |
| Additional noninterest expense | $1,011,000 | 4,476 |
| Pre-tax net operating income | $2,612,000 | 3,031 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,041,000 | 2,137 |
| Income before extraordinary items | $1,571,000 | 3,671 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,571,000 | 3,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,571,000 | 3,648 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,761,000 | 4,819 |
| Total interest expense | $1,057,000 | 6,203 |
| Net interest income | $3,704,000 | 4,075 |
| Provision for loan and lease losses | $-202,000 | 8,626 |
| Total noninterest income | $366,000 | 5,195 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $175,000 | 4,704 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $191,000 | 4,625 |
| Total noninterest expense | $2,461,000 | 4,587 |
| Salaries and employee benefits | $1,288,000 | 4,733 |
| Premises and equipment expense | $407,000 | 4,064 |
| Additional noninterest expense | $766,000 | 4,417 |
| Pre-tax net operating income | $1,811,000 | 3,329 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $757,000 | 2,283 |
| Income before extraordinary items | $1,054,000 | 4,047 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,054,000 | 4,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,054,000 | 4,037 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,082,000 | 4,864 |
| Total interest expense | $655,000 | 6,281 |
| Net interest income | $2,427,000 | 4,127 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $225,000 | 5,371 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $118,000 | 4,641 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $107,000 | 4,988 |
| Total noninterest expense | $1,615,000 | 4,645 |
| Salaries and employee benefits | $853,000 | 4,795 |
| Premises and equipment expense | $269,000 | 4,089 |
| Additional noninterest expense | $493,000 | 4,530 |
| Pre-tax net operating income | $1,037,000 | 3,723 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $443,000 | 2,470 |
| Income before extraordinary items | $594,000 | 4,467 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $594,000 | 4,471 |
| 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 | $594,000 | 4,458 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,518,000 | 4,864 |
| Total interest expense | $308,000 | 6,333 |
| Net interest income | $1,210,000 | 4,133 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $112,000 | 5,362 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $56,000 | 4,691 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,890 |
| Total noninterest expense | $839,000 | 4,543 |
| Salaries and employee benefits | $441,000 | 4,709 |
| Premises and equipment expense | $135,000 | 4,091 |
| Additional noninterest expense | $263,000 | 4,305 |
| Pre-tax net operating income | $483,000 | 3,820 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $208,000 | 2,553 |
| Income before extraordinary items | $275,000 | 4,627 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $275,000 | 4,627 |
| 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 | $275,000 | 4,609 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,379,000 | 4,927 |
| Total interest expense | $726,000 | 6,969 |
| Net interest income | $4,653,000 | 4,166 |
| Provision for loan and lease losses | $517,000 | 1,848 |
| Total noninterest income | $409,000 | 5,679 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $199,000 | 5,053 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $210,000 | 5,063 |
| Total noninterest expense | $2,862,000 | 4,943 |
| Salaries and employee benefits | $1,512,000 | 5,019 |
| Premises and equipment expense | $534,000 | 3,990 |
| Additional noninterest expense | $816,000 | 5,098 |
| Pre-tax net operating income | $1,683,000 | 4,113 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $718,000 | 2,771 |
| Income before extraordinary items | $965,000 | 4,917 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $965,000 | 4,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,084,000 | 466 |
| Net operating income | $965,000 | 4,885 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,855,000 | 5,042 |
| Total interest expense | $479,000 | 7,159 |
| Net interest income | $3,376,000 | 4,264 |
| Provision for loan and lease losses | $20,000 | 6,139 |
| Total noninterest income | $280,000 | 5,913 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $140,000 | 5,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $140,000 | 5,313 |
| Total noninterest expense | $2,121,000 | 4,941 |
| Salaries and employee benefits | $1,127,000 | 5,018 |
| Premises and equipment expense | $392,000 | 4,027 |
| Additional noninterest expense | $602,000 | 5,111 |
| Pre-tax net operating income | $1,515,000 | 3,713 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $623,000 | 2,576 |
| Income before extraordinary items | $892,000 | 4,478 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $892,000 | 4,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $1,084,000 | 336 |
| Net operating income | $892,000 | 4,439 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,527,000 | 5,035 |
| Total interest expense | $260,000 | 7,443 |
| Net interest income | $2,267,000 | 4,219 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $171,000 | 6,080 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $86,000 | 5,345 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $85,000 | 5,486 |
| Total noninterest expense | $1,381,000 | 5,020 |
| Salaries and employee benefits | $734,000 | 5,100 |
| Premises and equipment expense | $255,000 | 4,090 |
| Additional noninterest expense | $392,000 | 5,159 |
| Pre-tax net operating income | $1,057,000 | 3,573 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $442,000 | 2,449 |
| Income before extraordinary items | $615,000 | 4,351 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $615,000 | 4,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $1,084,000 | 235 |
| Net operating income | $615,000 | 4,296 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,087,000 | 5,486 |
| Total interest expense | $105,000 | 7,776 |
| Net interest income | $982,000 | 4,678 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $79,000 | 6,196 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $45,000 | 5,216 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $667,000 | 5,163 |
| Salaries and employee benefits | $357,000 | 5,220 |
| Premises and equipment expense | $117,000 | 4,378 |
| Additional noninterest expense | $193,000 | 5,211 |
| Pre-tax net operating income | $394,000 | 4,319 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $166,000 | 2,920 |
| Income before extraordinary items | $228,000 | 5,098 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $228,000 | 5,099 |
| 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 | $449,000 | 167 |
| Net operating income | $228,000 | 5,072 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,735,000 | 5,776 |
| Total interest expense | $344,000 | 7,897 |
| Net interest income | $3,391,000 | 5,011 |
| Provision for loan and lease losses | $228,000 | 3,473 |
| Total noninterest income | $367,000 | 5,983 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $151,000 | 5,769 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $216,000 | 4,947 |
| Total noninterest expense | $2,556,000 | 5,226 |
| Salaries and employee benefits | $1,363,000 | 5,276 |
| Premises and equipment expense | $506,000 | 4,053 |
| Additional noninterest expense | $687,000 | 5,581 |
| Pre-tax net operating income | $974,000 | 5,305 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $395,000 | 3,739 |
| Income before extraordinary items | $579,000 | 6,028 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $579,000 | 6,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 797 |
| Net operating income | $579,000 | 5,965 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,612,000 | 5,992 |
| Total interest expense | $240,000 | 8,035 |
| Net interest income | $2,372,000 | 5,236 |
| Provision for loan and lease losses | $193,000 | 3,060 |
| Total noninterest income | $272,000 | 6,036 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $112,000 | 5,841 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $160,000 | 4,974 |
| Total noninterest expense | $1,948,000 | 5,123 |
| Salaries and employee benefits | $1,042,000 | 5,173 |
| Premises and equipment expense | $328,000 | 4,493 |
| Additional noninterest expense | $578,000 | 5,164 |
| Pre-tax net operating income | $503,000 | 6,306 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $176,000 | 4,637 |
| Income before extraordinary items | $327,000 | 6,741 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $327,000 | 6,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $327,000 | 6,668 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,684,000 | 6,102 |
| Total interest expense | $153,000 | 8,171 |
| Net interest income | $1,531,000 | 5,340 |
| Provision for loan and lease losses | $153,000 | 2,669 |
| Total noninterest income | $206,000 | 5,751 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $72,000 | 5,920 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $134,000 | 4,528 |
| Total noninterest expense | $1,310,000 | 5,112 |
| Salaries and employee benefits | $714,000 | 5,092 |
| Premises and equipment expense | $215,000 | 4,547 |
| Additional noninterest expense | $381,000 | 5,234 |
| Pre-tax net operating income | $274,000 | 6,668 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $97,000 | 4,885 |
| Income before extraordinary items | $177,000 | 7,104 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $177,000 | 7,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $177,000 | 7,027 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $761,000 | 6,439 |
| Total interest expense | $76,000 | 8,251 |
| Net interest income | $685,000 | 5,705 |
| Provision for loan and lease losses | $68,000 | 2,801 |
| Total noninterest income | $97,000 | 5,845 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $32,000 | 6,092 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $65,000 | 4,579 |
| Total noninterest expense | $610,000 | 5,396 |
| Salaries and employee benefits | $324,000 | 5,487 |
| Premises and equipment expense | $108,000 | 4,563 |
| Additional noninterest expense | $178,000 | 5,468 |
| Pre-tax net operating income | $104,000 | 7,094 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $36,000 | 5,209 |
| Income before extraordinary items | $68,000 | 7,440 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $68,000 | 7,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $68,000 | 7,367 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,542,000 | 6,993 |
| Total interest expense | $322,000 | 8,389 |
| Net interest income | $2,220,000 | 6,289 |
| Provision for loan and lease losses | $189,000 | 4,140 |
| Total noninterest income | $263,000 | 6,855 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $81,000 | 6,879 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $182,000 | 5,477 |
| Total noninterest expense | $1,850,000 | 6,255 |
| Salaries and employee benefits | $974,000 | 6,354 |
| Premises and equipment expense | $225,000 | 6,489 |
| Additional noninterest expense | $651,000 | 5,726 |
| Pre-tax net operating income | $444,000 | 6,860 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $157,000 | 5,221 |
| Income before extraordinary items | $290,000 | 7,323 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $290,000 | 7,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $288,050 | 7,192 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 7,367 |
| Total interest expense | $252,000 | 8,465 |
| Net interest income | $1,451,000 | 6,731 |
| Provision for loan and lease losses | $109,000 | 4,528 |
| Total noninterest income | $200,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $56,000 | 7,053 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $144,000 | 5,419 |
| Total noninterest expense | $1,302,000 | 6,443 |
| Salaries and employee benefits | $735,000 | 6,318 |
| Premises and equipment expense | $116,000 | 7,345 |
| Additional noninterest expense | $451,000 | 5,975 |
| Pre-tax net operating income | $240,000 | 7,496 |
| Securities gains (losses) | $-2,000 | 8,785 |
| Applicable income taxes | $84,000 | 5,755 |
| Income before extraordinary items | $154,000 | 7,876 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $154,000 | 7,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $155,300 | 7,718 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 7,544 |
| Total interest expense | $176,000 | 8,496 |
| Net interest income | $893,000 | 6,979 |
| Provision for loan and lease losses | $89,000 | 4,177 |
| Total noninterest income | $102,000 | 7,368 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $45,000 | 6,765 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $57,000 | 6,331 |
| Total noninterest expense | $802,000 | 6,703 |
| Salaries and employee benefits | $437,000 | 6,700 |
| Premises and equipment expense | $71,000 | 7,525 |
| Additional noninterest expense | $294,000 | 6,040 |
| Pre-tax net operating income | $104,000 | 7,974 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $37,000 | 6,172 |
| Income before extraordinary items | $67,000 | 8,262 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $67,000 | 8,263 |
| 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 | $67,000 | 8,116 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $514,000 | 7,675 |
| Total interest expense | $81,000 | 8,658 |
| Net interest income | $433,000 | 7,070 |
| Provision for loan and lease losses | $89,000 | 2,624 |
| Total noninterest income | $37,000 | 7,862 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $23,000 | 6,666 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $397,000 | 6,745 |
| Salaries and employee benefits | $215,000 | 6,751 |
| Premises and equipment expense | $39,000 | 7,371 |
| Additional noninterest expense | $143,000 | 6,099 |
| Pre-tax net operating income | $-16,000 | 8,797 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-5,000 | 9,031 |
| Income before extraordinary items | $-11,000 | 8,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-11,000 | 8,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-11,000 | 8,730 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 8,751 |
| Total interest expense | $237,000 | 9,008 |
| Net interest income | $883,000 | 8,449 |
| Provision for loan and lease losses | $303,000 | 3,391 |
| Total noninterest income | $121,000 | 8,156 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $26,000 | 7,911 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $95,000 | 6,547 |
| Total noninterest expense | $1,620,000 | 6,620 |
| Salaries and employee benefits | $842,000 | 6,734 |
| Premises and equipment expense | $148,000 | 7,474 |
| Additional noninterest expense | $630,000 | 5,761 |
| Pre-tax net operating income | $-919,000 | 9,100 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-310,000 | 9,190 |
| Income before extraordinary items | $-609,000 | 9,079 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-609,000 | 9,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $8,500,000 | 74 |
| Net operating income | $-609,000 | 9,036 |
* 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.