Home > Neighborhood Community Bank > Income and Expense
Neighborhood Community Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,033,000 | 3,893 |
| Total interest expense | $1,758,000 | 1,894 |
| Net interest income | $275,000 | 7,465 |
| Provision for loan and lease losses | $2,349,000 | 670 |
| Total noninterest income | $150,000 | 4,401 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $55,000 | 4,417 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $95,000 | 3,736 |
| Total noninterest expense | $1,835,000 | 2,626 |
| Salaries and employee benefits | $715,000 | 3,400 |
| Premises and equipment expense | $348,000 | 2,012 |
| Additional noninterest expense | $772,000 | 2,053 |
| Pre-tax net operating income | $-3,759,000 | 7,980 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-396,000 | 7,858 |
| Income before extraordinary items | $-3,363,000 | 7,996 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,363,000 | 7,998 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-3,363,000 | 7,997 |
| Net charge-offs | $521,000 | 1,341 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,363,000 | 8,002 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,972,000 | 3,290 |
| Total interest expense | $8,256,000 | 1,903 |
| Net interest income | $2,716,000 | 5,688 |
| Provision for loan and lease losses | $8,163,000 | 702 |
| Total noninterest income | $970,000 | 3,476 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $284,000 | 4,118 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $686,000 | 2,691 |
| Total noninterest expense | $11,492,000 | 1,696 |
| Salaries and employee benefits | $3,499,000 | 2,827 |
| Premises and equipment expense | $1,414,000 | 1,932 |
| Additional noninterest expense | $6,579,000 | 969 |
| Pre-tax net operating income | $-15,969,000 | 8,068 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $-1,920,000 | 7,905 |
| Income before extraordinary items | $-14,048,000 | 8,053 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-14,048,000 | 8,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,406,000 | 915 |
| Cash dividends | $95,000 | 5,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-14,048,880 | 8,077 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,899,000 | 3,137 |
| Total interest expense | $6,357,000 | 1,938 |
| Net interest income | $2,542,000 | 5,109 |
| Provision for loan and lease losses | $6,383,000 | 552 |
| Total noninterest income | $768,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $210,000 | 4,152 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $558,000 | 2,635 |
| Total noninterest expense | $5,432,000 | 2,600 |
| Salaries and employee benefits | $2,828,000 | 2,682 |
| Premises and equipment expense | $1,034,000 | 1,973 |
| Additional noninterest expense | $1,570,000 | 2,659 |
| Pre-tax net operating income | $-8,505,000 | 8,208 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $-3,153,000 | 8,233 |
| Income before extraordinary items | $-5,351,000 | 8,137 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-5,351,000 | 8,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,805,000 | 666 |
| Cash dividends | $95,000 | 4,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,351,640 | 8,173 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,582,000 | 2,889 |
| Total interest expense | $4,419,000 | 1,952 |
| Net interest income | $2,163,000 | 4,361 |
| Provision for loan and lease losses | $1,005,000 | 1,216 |
| Total noninterest income | $550,000 | 3,315 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $134,000 | 4,255 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $416,000 | 2,530 |
| Total noninterest expense | $3,617,000 | 2,607 |
| Salaries and employee benefits | $1,931,000 | 2,652 |
| Premises and equipment expense | $701,000 | 1,933 |
| Additional noninterest expense | $985,000 | 2,787 |
| Pre-tax net operating income | $-1,909,000 | 8,146 |
| Securities gains (losses) | $5,000 | 2,725 |
| Applicable income taxes | $-774,000 | 8,244 |
| Income before extraordinary items | $-1,130,000 | 8,041 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,130,000 | 8,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $826,000 | 965 |
| Cash dividends | $95,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,133,200 | 8,031 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,521,000 | 2,771 |
| Total interest expense | $2,330,000 | 1,987 |
| Net interest income | $1,191,000 | 4,125 |
| Provision for loan and lease losses | $290,000 | 1,438 |
| Total noninterest income | $308,000 | 3,079 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $67,000 | 4,239 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $241,000 | 2,285 |
| Total noninterest expense | $1,788,000 | 2,634 |
| Salaries and employee benefits | $973,000 | 2,646 |
| Premises and equipment expense | $308,000 | 2,215 |
| Additional noninterest expense | $507,000 | 2,694 |
| Pre-tax net operating income | $-579,000 | 8,133 |
| Securities gains (losses) | $5,000 | 2,232 |
| Applicable income taxes | $-253,000 | 8,293 |
| Income before extraordinary items | $-321,000 | 8,004 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-321,000 | 8,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 1,192 |
| Cash dividends | $48,000 | 3,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-324,200 | 7,980 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,296,000 | 2,252 |
| Total interest expense | $9,762,000 | 1,973 |
| Net interest income | $8,534,000 | 2,569 |
| Provision for loan and lease losses | $906,000 | 1,529 |
| Total noninterest income | $840,000 | 3,917 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $262,000 | 4,367 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $578,000 | 3,065 |
| Total noninterest expense | $6,438,000 | 2,776 |
| Salaries and employee benefits | $3,873,000 | 2,559 |
| Premises and equipment expense | $763,000 | 3,207 |
| Additional noninterest expense | $1,802,000 | 2,925 |
| Pre-tax net operating income | $2,030,000 | 3,285 |
| Securities gains (losses) | $43,000 | 843 |
| Applicable income taxes | $700,000 | 2,306 |
| Income before extraordinary items | $1,373,000 | 3,621 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,373,000 | 3,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $808,000 | 1,203 |
| Cash dividends | $374,000 | 4,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,344,620 | 3,669 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,278,000 | 2,173 |
| Total interest expense | $7,372,000 | 1,971 |
| Net interest income | $6,906,000 | 2,425 |
| Provision for loan and lease losses | $431,000 | 1,767 |
| Total noninterest income | $612,000 | 3,983 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $191,000 | 4,435 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $421,000 | 3,113 |
| Total noninterest expense | $4,715,000 | 2,818 |
| Salaries and employee benefits | $2,890,000 | 2,568 |
| Premises and equipment expense | $542,000 | 3,346 |
| Additional noninterest expense | $1,283,000 | 3,010 |
| Pre-tax net operating income | $2,372,000 | 2,517 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $859,000 | 1,806 |
| Income before extraordinary items | $1,513,000 | 2,950 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,513,000 | 2,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 2,453 |
| Cash dividends | $326,000 | 3,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,513,000 | 2,940 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,689,000 | 2,164 |
| Total interest expense | $4,828,000 | 2,008 |
| Net interest income | $4,861,000 | 2,335 |
| Provision for loan and lease losses | $171,000 | 2,424 |
| Total noninterest income | $411,000 | 3,976 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $123,000 | 4,520 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $288,000 | 3,091 |
| Total noninterest expense | $3,058,000 | 2,928 |
| Salaries and employee benefits | $1,918,000 | 2,612 |
| Premises and equipment expense | $357,000 | 3,379 |
| Additional noninterest expense | $783,000 | 3,254 |
| Pre-tax net operating income | $2,043,000 | 2,116 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $752,000 | 1,562 |
| Income before extraordinary items | $1,291,000 | 2,498 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,291,000 | 2,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,076 |
| Cash dividends | $277,000 | 3,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,291,000 | 2,482 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,748,000 | 2,195 |
| Total interest expense | $2,326,000 | 2,052 |
| Net interest income | $2,422,000 | 2,348 |
| Provision for loan and lease losses | $121,000 | 1,743 |
| Total noninterest income | $200,000 | 4,014 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $59,000 | 4,564 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $141,000 | 3,128 |
| Total noninterest expense | $1,460,000 | 3,052 |
| Salaries and employee benefits | $929,000 | 2,719 |
| Premises and equipment expense | $178,000 | 3,422 |
| Additional noninterest expense | $353,000 | 3,510 |
| Pre-tax net operating income | $1,041,000 | 2,094 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $392,000 | 1,548 |
| Income before extraordinary items | $649,000 | 2,481 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $649,000 | 2,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,426 |
| Cash dividends | $227,000 | 2,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $649,000 | 2,455 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,167,000 | 2,267 |
| Total interest expense | $7,787,000 | 2,092 |
| Net interest income | $9,380,000 | 2,423 |
| Provision for loan and lease losses | $385,000 | 2,344 |
| Total noninterest income | $804,000 | 4,036 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $251,000 | 4,487 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $553,000 | 3,164 |
| Total noninterest expense | $5,530,000 | 3,070 |
| Salaries and employee benefits | $3,240,000 | 2,916 |
| Premises and equipment expense | $723,000 | 3,254 |
| Additional noninterest expense | $1,567,000 | 3,180 |
| Pre-tax net operating income | $4,269,000 | 2,147 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $1,567,000 | 1,590 |
| Income before extraordinary items | $2,701,000 | 2,458 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,701,000 | 2,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,906 |
| Cash dividends | $330,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,701,640 | 2,442 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,463,000 | 2,329 |
| Total interest expense | $5,530,000 | 2,136 |
| Net interest income | $6,933,000 | 2,474 |
| Provision for loan and lease losses | $374,000 | 1,803 |
| Total noninterest income | $576,000 | 4,159 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $193,000 | 4,471 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $383,000 | 3,286 |
| Total noninterest expense | $4,079,000 | 3,118 |
| Salaries and employee benefits | $2,347,000 | 3,007 |
| Premises and equipment expense | $534,000 | 3,290 |
| Additional noninterest expense | $1,198,000 | 3,140 |
| Pre-tax net operating income | $3,056,000 | 2,296 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,113,000 | 1,749 |
| Income before extraordinary items | $1,943,000 | 2,626 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,943,000 | 2,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,430 |
| Cash dividends | $283,000 | 3,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,943,000 | 2,614 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,838,000 | 2,422 |
| Total interest expense | $3,372,000 | 2,210 |
| Net interest income | $4,466,000 | 2,559 |
| Provision for loan and lease losses | $321,000 | 1,385 |
| Total noninterest income | $368,000 | 4,231 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $133,000 | 4,381 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $235,000 | 3,438 |
| Total noninterest expense | $2,633,000 | 3,211 |
| Salaries and employee benefits | $1,485,000 | 3,148 |
| Premises and equipment expense | $364,000 | 3,218 |
| Additional noninterest expense | $784,000 | 3,192 |
| Pre-tax net operating income | $1,880,000 | 2,428 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $666,000 | 1,913 |
| Income before extraordinary items | $1,214,000 | 2,773 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,214,000 | 2,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,074 |
| Cash dividends | $235,000 | 3,485 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,214,000 | 2,760 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,700,000 | 2,492 |
| Total interest expense | $1,539,000 | 2,285 |
| Net interest income | $2,161,000 | 2,621 |
| Provision for loan and lease losses | $224,000 | 1,062 |
| Total noninterest income | $189,000 | 4,097 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $68,000 | 4,286 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $121,000 | 3,366 |
| Total noninterest expense | $1,254,000 | 3,356 |
| Salaries and employee benefits | $690,000 | 3,383 |
| Premises and equipment expense | $193,000 | 3,105 |
| Additional noninterest expense | $371,000 | 3,319 |
| Pre-tax net operating income | $872,000 | 2,530 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $340,000 | 1,853 |
| Income before extraordinary items | $532,000 | 3,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $532,000 | 3,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $187,000 | 2,499 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $532,000 | 2,997 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,612,000 | 2,780 |
| Total interest expense | $4,459,000 | 2,433 |
| Net interest income | $7,153,000 | 2,993 |
| Provision for loan and lease losses | $548,000 | 1,767 |
| Total noninterest income | $727,000 | 4,278 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $266,000 | 4,442 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $461,000 | 3,516 |
| Total noninterest expense | $4,467,000 | 3,559 |
| Salaries and employee benefits | $2,346,000 | 3,659 |
| Premises and equipment expense | $612,000 | 3,596 |
| Additional noninterest expense | $1,509,000 | 3,210 |
| Pre-tax net operating income | $2,865,000 | 2,865 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,113,000 | 2,116 |
| Income before extraordinary items | $1,752,000 | 3,433 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,752,000 | 3,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,469 |
| Cash dividends | $140,000 | 5,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,752,000 | 3,403 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,204,000 | 2,875 |
| Total interest expense | $3,056,000 | 2,500 |
| Net interest income | $5,148,000 | 3,075 |
| Provision for loan and lease losses | $420,000 | 1,646 |
| Total noninterest income | $528,000 | 4,390 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $198,000 | 4,476 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $330,000 | 3,632 |
| Total noninterest expense | $3,309,000 | 3,563 |
| Salaries and employee benefits | $1,741,000 | 3,666 |
| Premises and equipment expense | $463,000 | 3,563 |
| Additional noninterest expense | $1,105,000 | 3,249 |
| Pre-tax net operating income | $1,947,000 | 3,116 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $756,000 | 2,291 |
| Income before extraordinary items | $1,191,000 | 3,674 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,191,000 | 3,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,917 |
| Cash dividends | $121,000 | 4,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,191,000 | 3,643 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,118,000 | 2,976 |
| Total interest expense | $1,846,000 | 2,579 |
| Net interest income | $3,272,000 | 3,174 |
| Provision for loan and lease losses | $388,000 | 1,219 |
| Total noninterest income | $353,000 | 4,344 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $131,000 | 4,456 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $222,000 | 3,588 |
| Total noninterest expense | $2,068,000 | 3,710 |
| Salaries and employee benefits | $1,111,000 | 3,783 |
| Premises and equipment expense | $284,000 | 3,780 |
| Additional noninterest expense | $673,000 | 3,461 |
| Pre-tax net operating income | $1,169,000 | 3,309 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $443,000 | 2,445 |
| Income before extraordinary items | $726,000 | 3,888 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $726,000 | 3,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,379 |
| Cash dividends | $106,000 | 4,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $726,000 | 3,830 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,350,000 | 3,161 |
| Total interest expense | $848,000 | 2,657 |
| Net interest income | $1,502,000 | 3,409 |
| Provision for loan and lease losses | $147,000 | 1,505 |
| Total noninterest income | $197,000 | 4,016 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $67,000 | 4,356 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $130,000 | 3,252 |
| Total noninterest expense | $990,000 | 3,872 |
| Salaries and employee benefits | $521,000 | 3,971 |
| Premises and equipment expense | $141,000 | 3,820 |
| Additional noninterest expense | $328,000 | 3,543 |
| Pre-tax net operating income | $562,000 | 3,379 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $210,000 | 2,520 |
| Income before extraordinary items | $352,000 | 3,943 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $352,000 | 3,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 1,740 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $352,000 | 3,897 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,759,000 | 3,494 |
| Total interest expense | $2,520,000 | 3,043 |
| Net interest income | $5,239,000 | 3,670 |
| Provision for loan and lease losses | $382,000 | 2,450 |
| Total noninterest income | $633,000 | 4,678 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $274,000 | 4,525 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $359,000 | 3,914 |
| Total noninterest expense | $3,329,000 | 4,339 |
| Salaries and employee benefits | $1,765,000 | 4,402 |
| Premises and equipment expense | $455,000 | 4,370 |
| Additional noninterest expense | $1,109,000 | 3,992 |
| Pre-tax net operating income | $2,161,000 | 3,342 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $798,000 | 2,540 |
| Income before extraordinary items | $1,363,000 | 3,868 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,363,000 | 3,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,177 |
| Cash dividends | $100,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,363,000 | 3,809 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,587,000 | 3,591 |
| Total interest expense | $1,790,000 | 3,116 |
| Net interest income | $3,797,000 | 3,758 |
| Provision for loan and lease losses | $208,000 | 2,927 |
| Total noninterest income | $456,000 | 4,787 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $212,000 | 4,482 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $244,000 | 4,102 |
| Total noninterest expense | $2,459,000 | 4,357 |
| Salaries and employee benefits | $1,292,000 | 4,436 |
| Premises and equipment expense | $345,000 | 4,326 |
| Additional noninterest expense | $822,000 | 4,002 |
| Pre-tax net operating income | $1,586,000 | 3,452 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $591,000 | 2,593 |
| Income before extraordinary items | $995,000 | 4,012 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $995,000 | 4,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,953 |
| Cash dividends | $100,000 | 4,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $995,000 | 3,947 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,587,000 | 3,705 |
| Total interest expense | $1,146,000 | 3,191 |
| Net interest income | $2,441,000 | 3,856 |
| Provision for loan and lease losses | $114,000 | 3,296 |
| Total noninterest income | $307,000 | 4,762 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $140,000 | 4,495 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $167,000 | 4,110 |
| Total noninterest expense | $1,608,000 | 4,438 |
| Salaries and employee benefits | $837,000 | 4,558 |
| Premises and equipment expense | $231,000 | 4,319 |
| Additional noninterest expense | $540,000 | 4,074 |
| Pre-tax net operating income | $1,026,000 | 3,472 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $386,000 | 2,629 |
| Income before extraordinary items | $640,000 | 4,062 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $640,000 | 4,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,878 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $640,000 | 3,982 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,761,000 | 3,767 |
| Total interest expense | $561,000 | 3,289 |
| Net interest income | $1,200,000 | 3,892 |
| Provision for loan and lease losses | $36,000 | 3,870 |
| Total noninterest income | $143,000 | 4,895 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $69,000 | 4,450 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $74,000 | 4,326 |
| Total noninterest expense | $800,000 | 4,481 |
| Salaries and employee benefits | $420,000 | 4,571 |
| Premises and equipment expense | $119,000 | 4,271 |
| Additional noninterest expense | $261,000 | 4,169 |
| Pre-tax net operating income | $507,000 | 3,489 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $188,000 | 2,683 |
| Income before extraordinary items | $319,000 | 4,110 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $319,000 | 4,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $319,000 | 3,964 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,061,000 | 4,293 |
| Total interest expense | $2,202,000 | 3,706 |
| Net interest income | $3,859,000 | 4,471 |
| Provision for loan and lease losses | $366,000 | 2,749 |
| Total noninterest income | $439,000 | 5,756 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $244,000 | 4,809 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $195,000 | 5,337 |
| Total noninterest expense | $2,574,000 | 5,117 |
| Salaries and employee benefits | $1,327,000 | 5,277 |
| Premises and equipment expense | $302,000 | 5,646 |
| Additional noninterest expense | $945,000 | 4,456 |
| Pre-tax net operating income | $1,358,000 | 4,379 |
| Securities gains (losses) | $5,000 | 3,903 |
| Applicable income taxes | $504,000 | 3,361 |
| Income before extraordinary items | $859,000 | 5,060 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $859,000 | 5,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $855,800 | 4,906 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,352,000 | 4,452 |
| Total interest expense | $1,632,000 | 3,881 |
| Net interest income | $2,720,000 | 4,700 |
| Provision for loan and lease losses | $273,000 | 2,677 |
| Total noninterest income | $325,000 | 5,852 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $180,000 | 4,876 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $145,000 | 5,406 |
| Total noninterest expense | $1,871,000 | 5,201 |
| Salaries and employee benefits | $952,000 | 5,417 |
| Premises and equipment expense | $213,000 | 5,819 |
| Additional noninterest expense | $706,000 | 4,445 |
| Pre-tax net operating income | $901,000 | 4,826 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $335,000 | 3,725 |
| Income before extraordinary items | $571,000 | 5,528 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $571,000 | 5,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $567,800 | 5,357 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,732,000 | 4,689 |
| Total interest expense | $1,057,000 | 4,071 |
| Net interest income | $1,675,000 | 4,945 |
| Provision for loan and lease losses | $110,000 | 3,695 |
| Total noninterest income | $212,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $115,000 | 4,936 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $97,000 | 5,371 |
| Total noninterest expense | $1,225,000 | 5,260 |
| Salaries and employee benefits | $612,000 | 5,553 |
| Premises and equipment expense | $156,000 | 5,529 |
| Additional noninterest expense | $457,000 | 4,539 |
| Pre-tax net operating income | $552,000 | 5,065 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $206,000 | 3,907 |
| Income before extraordinary items | $351,000 | 5,730 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $351,000 | 5,729 |
| 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 | $347,800 | 5,544 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,294,000 | 4,890 |
| Total interest expense | $508,000 | 4,294 |
| Net interest income | $786,000 | 5,153 |
| Provision for loan and lease losses | $54,000 | 3,580 |
| Total noninterest income | $102,000 | 5,877 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $50,000 | 5,268 |
| Total noninterest expense | $581,000 | 5,445 |
| Salaries and employee benefits | $284,000 | 5,798 |
| Premises and equipment expense | $80,000 | 5,448 |
| Additional noninterest expense | $217,000 | 4,673 |
| Pre-tax net operating income | $253,000 | 5,250 |
| Securities gains (losses) | $5,000 | 2,406 |
| Applicable income taxes | $97,000 | 3,988 |
| Income before extraordinary items | $161,000 | 5,852 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $161,000 | 5,851 |
| 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 | $157,800 | 5,715 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 5,391 |
| Total interest expense | $1,840,000 | 5,083 |
| Net interest income | $2,846,000 | 5,463 |
| Provision for loan and lease losses | $311,000 | 3,346 |
| Total noninterest income | $225,000 | 7,066 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $194,000 | 5,268 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $1,937,000 | 5,980 |
| Salaries and employee benefits | $958,000 | 6,285 |
| Premises and equipment expense | $150,000 | 7,444 |
| Additional noninterest expense | $829,000 | 4,807 |
| Pre-tax net operating income | $823,000 | 5,695 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $129,000 | 5,707 |
| Income before extraordinary items | $694,000 | 5,587 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $694,000 | 5,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,762 |
| Cash dividends | $45,000 | 6,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $694,000 | 5,434 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,185,000 | 7,048 |
| Total interest expense | $1,541,000 | 6,898 |
| Net interest income | $1,644,000 | 7,074 |
| Provision for loan and lease losses | $435,000 | 2,451 |
| Total noninterest income | $158,000 | 7,768 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $126,000 | 6,151 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $32,000 | 8,285 |
| Total noninterest expense | $1,345,000 | 7,132 |
| Salaries and employee benefits | $758,000 | 6,948 |
| Premises and equipment expense | $147,000 | 7,577 |
| Additional noninterest expense | $440,000 | 6,855 |
| Pre-tax net operating income | $22,000 | 8,642 |
| Securities gains (losses) | $71,000 | 2,041 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $93,000 | 8,381 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $93,000 | 8,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $22,000 | 8,630 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,334,000 | 9,110 |
| Total interest expense | $504,000 | 9,243 |
| Net interest income | $830,000 | 8,832 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $32,000 | 9,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 9,605 |
| Total noninterest expense | $1,227,000 | 7,424 |
| Salaries and employee benefits | $757,000 | 6,927 |
| Premises and equipment expense | $56,000 | 9,254 |
| Additional noninterest expense | $414,000 | 7,039 |
| Pre-tax net operating income | $-545,000 | 9,554 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-545,000 | 9,592 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-545,000 | 9,591 |
| 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 | $8,980,000 | 83 |
| Net operating income | $-545,000 | 9,589 |
* 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.