Home > NCW Community Bank > Income and Expense
NCW Community Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 4,431 |
| Total interest expense | $2,348,000 | 4,683 |
| Net interest income | $3,535,000 | 4,190 |
| Provision for loan and lease losses | $155,000 | 3,427 |
| Total noninterest income | $156,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $40,000 | 6,723 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $116,000 | 5,535 |
| Total noninterest expense | $2,329,000 | 4,877 |
| Salaries and employee benefits | $1,389,000 | 4,610 |
| Premises and equipment expense | $189,000 | 6,213 |
| Additional noninterest expense | $751,000 | 4,588 |
| Pre-tax net operating income | $1,207,000 | 3,932 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $408,000 | 2,783 |
| Income before extraordinary items | $799,000 | 4,352 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $799,000 | 4,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $281,000 | 519 |
| Net operating income | $799,000 | 4,347 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,799,000 | 4,546 |
| Total interest expense | $1,474,000 | 4,848 |
| Net interest income | $2,325,000 | 4,260 |
| Provision for loan and lease losses | $124,000 | 2,932 |
| Total noninterest income | $103,000 | 6,802 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $24,000 | 6,860 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $79,000 | 5,543 |
| Total noninterest expense | $1,515,000 | 4,977 |
| Salaries and employee benefits | $895,000 | 4,779 |
| Premises and equipment expense | $114,000 | 6,495 |
| Additional noninterest expense | $506,000 | 4,541 |
| Pre-tax net operating income | $789,000 | 4,043 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $270,000 | 2,866 |
| Income before extraordinary items | $519,000 | 4,468 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $519,000 | 4,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 576 |
| Net operating income | $519,000 | 4,460 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,871,000 | 4,589 |
| Total interest expense | $700,000 | 4,975 |
| Net interest income | $1,171,000 | 4,245 |
| Provision for loan and lease losses | $77,000 | 2,386 |
| Total noninterest income | $44,000 | 7,005 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $10,000 | 6,985 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $34,000 | 5,782 |
| Total noninterest expense | $734,000 | 5,087 |
| Salaries and employee benefits | $426,000 | 4,962 |
| Premises and equipment expense | $57,000 | 6,519 |
| Additional noninterest expense | $251,000 | 4,528 |
| Pre-tax net operating income | $404,000 | 3,973 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $136,000 | 2,867 |
| Income before extraordinary items | $268,000 | 4,408 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $268,000 | 4,410 |
| 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 | $77,000 | 405 |
| Net operating income | $268,000 | 4,396 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,175,000 | 4,907 |
| Total interest expense | $2,167,000 | 5,190 |
| Net interest income | $4,008,000 | 4,654 |
| Provision for loan and lease losses | $159,000 | 3,970 |
| Total noninterest income | $147,000 | 7,336 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $57,000 | 6,779 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $90,000 | 6,499 |
| Total noninterest expense | $2,668,000 | 5,278 |
| Salaries and employee benefits | $1,527,000 | 5,136 |
| Premises and equipment expense | $239,000 | 6,321 |
| Additional noninterest expense | $902,000 | 4,844 |
| Pre-tax net operating income | $1,328,000 | 4,557 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $457,000 | 3,268 |
| Income before extraordinary items | $871,000 | 5,022 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $871,000 | 5,025 |
| 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 | $330,000 | 665 |
| Net operating income | $871,000 | 5,014 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,448,000 | 5,039 |
| Total interest expense | $1,490,000 | 5,358 |
| Net interest income | $2,958,000 | 4,734 |
| Provision for loan and lease losses | $116,000 | 3,873 |
| Total noninterest income | $105,000 | 7,460 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $44,000 | 6,845 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,658 |
| Total noninterest expense | $1,947,000 | 5,343 |
| Salaries and employee benefits | $1,125,000 | 5,164 |
| Premises and equipment expense | $174,000 | 6,419 |
| Additional noninterest expense | $648,000 | 4,974 |
| Pre-tax net operating income | $1,000,000 | 4,712 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $351,000 | 3,363 |
| Income before extraordinary items | $649,000 | 5,171 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $649,000 | 5,175 |
| 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 | $317,000 | 512 |
| Net operating income | $649,000 | 5,165 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,835,000 | 5,146 |
| Total interest expense | $924,000 | 5,429 |
| Net interest income | $1,911,000 | 4,851 |
| Provision for loan and lease losses | $58,000 | 4,305 |
| Total noninterest income | $61,000 | 7,670 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $30,000 | 6,853 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,060 |
| Total noninterest expense | $1,259,000 | 5,454 |
| Salaries and employee benefits | $728,000 | 5,287 |
| Premises and equipment expense | $118,000 | 6,392 |
| Additional noninterest expense | $413,000 | 5,093 |
| Pre-tax net operating income | $655,000 | 4,783 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $239,000 | 3,382 |
| Income before extraordinary items | $416,000 | 5,291 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $416,000 | 5,295 |
| 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 | $54,000 | 622 |
| Net operating income | $416,000 | 5,290 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,347,000 | 5,257 |
| Total interest expense | $435,000 | 5,472 |
| Net interest income | $912,000 | 4,986 |
| Provision for loan and lease losses | $14,000 | 5,063 |
| Total noninterest income | $27,000 | 7,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,000 |
| Total noninterest expense | $596,000 | 5,649 |
| Salaries and employee benefits | $346,000 | 5,471 |
| Premises and equipment expense | $58,000 | 6,447 |
| Additional noninterest expense | $192,000 | 5,309 |
| Pre-tax net operating income | $329,000 | 4,738 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $118,000 | 3,364 |
| Income before extraordinary items | $211,000 | 5,240 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,239 |
| 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 | $37,000 | 435 |
| Net operating income | $211,000 | 5,233 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,803,000 | 5,286 |
| Total interest expense | $1,442,000 | 5,323 |
| Net interest income | $3,361,000 | 5,137 |
| Provision for loan and lease losses | $248,000 | 3,190 |
| Total noninterest income | $155,000 | 7,447 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $46,000 | 7,142 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $109,000 | 6,277 |
| Total noninterest expense | $2,341,000 | 5,586 |
| Salaries and employee benefits | $1,335,000 | 5,444 |
| Premises and equipment expense | $216,000 | 6,560 |
| Additional noninterest expense | $790,000 | 5,211 |
| Pre-tax net operating income | $927,000 | 5,563 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $315,000 | 4,065 |
| Income before extraordinary items | $612,000 | 5,964 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $612,000 | 5,969 |
| 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 | $1,516,000 | 431 |
| Net operating income | $612,000 | 5,933 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,447,000 | 5,390 |
| Total interest expense | $1,004,000 | 5,419 |
| Net interest income | $2,443,000 | 5,245 |
| Provision for loan and lease losses | $229,000 | 2,683 |
| Total noninterest income | $111,000 | 7,538 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 7,165 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $75,000 | 6,410 |
| Total noninterest expense | $1,709,000 | 5,639 |
| Salaries and employee benefits | $980,000 | 5,481 |
| Premises and equipment expense | $170,000 | 6,427 |
| Additional noninterest expense | $559,000 | 5,352 |
| Pre-tax net operating income | $616,000 | 5,940 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $216,000 | 4,301 |
| Income before extraordinary items | $400,000 | 6,379 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $400,000 | 6,382 |
| 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 | $1,516,000 | 318 |
| Net operating income | $400,000 | 6,337 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,143,000 | 5,538 |
| Total interest expense | $603,000 | 5,547 |
| Net interest income | $1,540,000 | 5,414 |
| Provision for loan and lease losses | $133,000 | 2,870 |
| Total noninterest income | $74,000 | 7,525 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $24,000 | 7,158 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $50,000 | 6,409 |
| Total noninterest expense | $1,120,000 | 5,692 |
| Salaries and employee benefits | $628,000 | 5,600 |
| Premises and equipment expense | $113,000 | 6,431 |
| Additional noninterest expense | $379,000 | 5,271 |
| Pre-tax net operating income | $361,000 | 6,219 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $124,000 | 4,519 |
| Income before extraordinary items | $237,000 | 6,624 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $237,000 | 6,625 |
| 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 | $1,516,000 | 217 |
| Net operating income | $237,000 | 6,573 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $972,000 | 5,810 |
| Total interest expense | $284,000 | 5,627 |
| Net interest income | $688,000 | 5,787 |
| Provision for loan and lease losses | $38,000 | 3,670 |
| Total noninterest income | $35,000 | 7,613 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $543,000 | 5,817 |
| Salaries and employee benefits | $300,000 | 5,779 |
| Premises and equipment expense | $57,000 | 6,461 |
| Additional noninterest expense | $186,000 | 5,341 |
| Pre-tax net operating income | $142,000 | 6,670 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $44,000 | 4,929 |
| Income before extraordinary items | $98,000 | 6,933 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $98,000 | 6,935 |
| 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 | $1,516,000 | 104 |
| Net operating income | $98,000 | 6,907 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,288,000 | 6,152 |
| Total interest expense | $992,000 | 5,679 |
| Net interest income | $2,296,000 | 6,249 |
| Provision for loan and lease losses | $341,000 | 2,672 |
| Total noninterest income | $126,000 | 7,840 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $44,000 | 7,380 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $82,000 | 6,739 |
| Total noninterest expense | $1,827,000 | 6,320 |
| Salaries and employee benefits | $1,013,000 | 6,234 |
| Premises and equipment expense | $197,000 | 6,798 |
| Additional noninterest expense | $617,000 | 5,891 |
| Pre-tax net operating income | $254,000 | 7,589 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-207,000 | 8,815 |
| Income before extraordinary items | $461,000 | 6,503 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $461,000 | 6,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,501 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 717 |
| Net operating income | $461,000 | 6,452 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,358,000 | 6,298 |
| Total interest expense | $724,000 | 5,734 |
| Net interest income | $1,634,000 | 6,409 |
| Provision for loan and lease losses | $99,000 | 4,319 |
| Total noninterest income | $91,000 | 7,914 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $30,000 | 7,486 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $61,000 | 6,777 |
| Total noninterest expense | $1,329,000 | 6,378 |
| Salaries and employee benefits | $735,000 | 6,308 |
| Premises and equipment expense | $144,000 | 6,819 |
| Additional noninterest expense | $450,000 | 5,937 |
| Pre-tax net operating income | $297,000 | 7,229 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $297,000 | 6,918 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $297,000 | 6,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 570 |
| Net operating income | $297,000 | 6,845 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,505,000 | 6,452 |
| Total interest expense | $473,000 | 5,807 |
| Net interest income | $1,032,000 | 6,577 |
| Provision for loan and lease losses | $66,000 | 4,180 |
| Total noninterest income | $62,000 | 7,920 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $17,000 | 7,603 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $45,000 | 6,633 |
| Total noninterest expense | $869,000 | 6,478 |
| Salaries and employee benefits | $480,000 | 6,432 |
| Premises and equipment expense | $92,000 | 6,950 |
| Additional noninterest expense | $297,000 | 6,004 |
| Pre-tax net operating income | $159,000 | 7,493 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $157,000 | 7,280 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $157,000 | 7,280 |
| 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 | $57,000 | 460 |
| Net operating income | $157,000 | 7,210 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $728,000 | 6,587 |
| Total interest expense | $231,000 | 5,920 |
| Net interest income | $497,000 | 6,704 |
| Provision for loan and lease losses | $33,000 | 3,984 |
| Total noninterest income | $30,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $431,000 | 6,543 |
| Salaries and employee benefits | $236,000 | 6,520 |
| Premises and equipment expense | $45,000 | 7,009 |
| Additional noninterest expense | $150,000 | 5,995 |
| Pre-tax net operating income | $63,000 | 7,712 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $61,000 | 7,565 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $61,000 | 7,567 |
| 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 | $48,000 | 313 |
| Net operating income | $61,000 | 7,493 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,629,000 | 6,906 |
| Total interest expense | $819,000 | 6,649 |
| Net interest income | $1,810,000 | 6,883 |
| Provision for loan and lease losses | $135,000 | 4,750 |
| Total noninterest income | $135,000 | 7,959 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $35,000 | 7,652 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $100,000 | 6,539 |
| Total noninterest expense | $1,510,000 | 6,867 |
| Salaries and employee benefits | $819,000 | 6,848 |
| Premises and equipment expense | $178,000 | 7,051 |
| Additional noninterest expense | $513,000 | 6,480 |
| Pre-tax net operating income | $300,000 | 7,430 |
| Securities gains (losses) | $5,000 | 3,903 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $305,000 | 7,262 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $305,000 | 7,263 |
| 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 | $50,000 | 727 |
| Net operating income | $300,000 | 7,134 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,899,000 | 7,096 |
| Total interest expense | $598,000 | 6,859 |
| Net interest income | $1,301,000 | 7,053 |
| Provision for loan and lease losses | $97,000 | 4,715 |
| Total noninterest income | $114,000 | 7,843 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $25,000 | 7,738 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $89,000 | 6,283 |
| Total noninterest expense | $1,120,000 | 6,903 |
| Salaries and employee benefits | $617,000 | 6,841 |
| Premises and equipment expense | $132,000 | 7,088 |
| Additional noninterest expense | $371,000 | 6,561 |
| Pre-tax net operating income | $198,000 | 7,738 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $198,000 | 7,597 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $198,000 | 7,601 |
| 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 | $10,000 | 654 |
| Net operating income | $198,000 | 7,449 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,201,000 | 7,281 |
| Total interest expense | $380,000 | 7,103 |
| Net interest income | $821,000 | 7,204 |
| Provision for loan and lease losses | $66,000 | 4,590 |
| Total noninterest income | $77,000 | 7,826 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $15,000 | 7,804 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $62,000 | 6,200 |
| Total noninterest expense | $733,000 | 6,975 |
| Salaries and employee benefits | $402,000 | 6,926 |
| Premises and equipment expense | $86,000 | 7,125 |
| Additional noninterest expense | $245,000 | 6,586 |
| Pre-tax net operating income | $99,000 | 8,017 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $99,000 | 7,967 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $99,000 | 7,968 |
| 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 | $10,000 | 524 |
| Net operating income | $99,000 | 7,801 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $567,000 | 7,468 |
| Total interest expense | $188,000 | 7,248 |
| Net interest income | $379,000 | 7,416 |
| Provision for loan and lease losses | $31,000 | 4,417 |
| Total noninterest income | $27,000 | 8,282 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,830 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $356,000 | 7,074 |
| Salaries and employee benefits | $191,000 | 7,087 |
| Premises and equipment expense | $44,000 | 7,119 |
| Additional noninterest expense | $121,000 | 6,630 |
| Pre-tax net operating income | $19,000 | 8,466 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $19,000 | 8,497 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $19,000 | 8,496 |
| 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 | $11,000 | 345 |
| Net operating income | $19,000 | 8,383 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,022,000 | 7,832 |
| Total interest expense | $712,000 | 7,780 |
| Net interest income | $1,310,000 | 7,752 |
| Provision for loan and lease losses | $95,000 | 5,818 |
| Total noninterest income | $101,000 | 8,394 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $25,000 | 7,923 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $76,000 | 6,960 |
| Total noninterest expense | $1,242,000 | 7,385 |
| Salaries and employee benefits | $642,000 | 7,538 |
| Premises and equipment expense | $170,000 | 7,168 |
| Additional noninterest expense | $430,000 | 6,932 |
| Pre-tax net operating income | $74,000 | 8,388 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $74,000 | 8,447 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $74,000 | 8,447 |
| 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 | $399,000 | 501 |
| Net operating income | $74,000 | 8,358 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,736,000 | 8,489 |
| Total interest expense | $822,000 | 8,384 |
| Net interest income | $914,000 | 8,440 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $109,000 | 8,381 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $15,000 | 8,198 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $94,000 | 6,569 |
| Total noninterest expense | $1,140,000 | 7,605 |
| Salaries and employee benefits | $569,000 | 7,812 |
| Premises and equipment expense | $165,000 | 7,288 |
| Additional noninterest expense | $406,000 | 7,098 |
| Pre-tax net operating income | $-237,000 | 8,988 |
| Securities gains (losses) | $24,000 | 3,012 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-213,000 | 9,057 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-213,000 | 9,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 867 |
| Net operating income | $-237,000 | 9,025 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $940,000 | 9,444 |
| Total interest expense | $408,000 | 9,404 |
| Net interest income | $532,000 | 9,407 |
| Provision for loan and lease losses | $84,000 | 5,667 |
| Total noninterest income | $26,000 | 9,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 8,999 |
| Total noninterest expense | $992,000 | 8,048 |
| Salaries and employee benefits | $467,000 | 8,416 |
| Premises and equipment expense | $159,000 | 7,451 |
| Additional noninterest expense | $366,000 | 7,432 |
| Pre-tax net operating income | $-518,000 | 9,537 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-518,000 | 9,570 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-518,000 | 9,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 871 |
| Net operating income | $-518,000 | 9,571 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $45,000 | 10,206 |
| Total interest expense | $10,000 | 10,171 |
| Net interest income | $35,000 | 10,203 |
| Provision for loan and lease losses | $6,000 | 8,268 |
| Total noninterest income | $0 | 10,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $544,000 | 9,488 |
| Salaries and employee benefits | $82,000 | 10,161 |
| Premises and equipment expense | $27,000 | 10,017 |
| Additional noninterest expense | $435,000 | 7,006 |
| Pre-tax net operating income | $-515,000 | 9,859 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-515,000 | 9,907 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-515,000 | 9,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,082,000 | 241 |
| Net operating income | $-515,000 | 9,887 |
* 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.