Home > New Frontier Bank > Income and Expense
New Frontier Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $26,548,000 | 348 |
| Total interest expense | $17,152,000 | 207 |
| Net interest income | $9,396,000 | 580 |
| Provision for loan and lease losses | $101,625,000 | 61 |
| Total noninterest income | $788,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $620,000 | 653 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $168,000 | 2,772 |
| Total noninterest expense | $10,988,000 | 475 |
| Salaries and employee benefits | $3,275,000 | 770 |
| Premises and equipment expense | $853,000 | 837 |
| Additional noninterest expense | $6,860,000 | 303 |
| Pre-tax net operating income | $-102,429,000 | 8,222 |
| Securities gains (losses) | $-1,630,000 | 8,160 |
| Applicable income taxes | $-6,019,000 | 8,165 |
| Income before extraordinary items | $-98,040,000 | 8,221 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-98,040,000 | 8,220 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-98,040,000 | 8,221 |
| Net charge-offs | $51,008,000 | 72 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-96,507,800 | 8,218 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $133,776,000 | 308 |
| Total interest expense | $83,731,000 | 209 |
| Net interest income | $50,045,000 | 449 |
| Provision for loan and lease losses | $37,595,000 | 233 |
| Total noninterest income | $-175,000 | 8,194 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,882,000 | 601 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-3,057,000 | 8,292 |
| Total noninterest expense | $33,214,000 | 597 |
| Salaries and employee benefits | $12,209,000 | 809 |
| Premises and equipment expense | $3,435,000 | 801 |
| Additional noninterest expense | $17,570,000 | 431 |
| Pre-tax net operating income | $-20,939,000 | 8,105 |
| Securities gains (losses) | $431,000 | 430 |
| Applicable income taxes | $-9,168,000 | 8,182 |
| Income before extraordinary items | $-11,340,000 | 8,019 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-11,340,000 | 8,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,440,000 | 220 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-11,615,840 | 8,055 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $101,035,000 | 321 |
| Total interest expense | $63,835,000 | 225 |
| Net interest income | $37,200,000 | 461 |
| Provision for loan and lease losses | $15,582,000 | 287 |
| Total noninterest income | $-972,000 | 8,345 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,135,000 | 620 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-3,107,000 | 8,374 |
| Total noninterest expense | $24,596,000 | 594 |
| Salaries and employee benefits | $9,951,000 | 768 |
| Premises and equipment expense | $2,526,000 | 820 |
| Additional noninterest expense | $12,119,000 | 427 |
| Pre-tax net operating income | $-3,950,000 | 8,080 |
| Securities gains (losses) | $164,000 | 701 |
| Applicable income taxes | $-2,572,000 | 8,213 |
| Income before extraordinary items | $-1,214,000 | 7,612 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,214,000 | 7,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,062,000 | 192 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,318,960 | 7,747 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $69,084,000 | 323 |
| Total interest expense | $43,643,000 | 227 |
| Net interest income | $25,441,000 | 454 |
| Provision for loan and lease losses | $8,783,000 | 303 |
| Total noninterest income | $-1,591,000 | 8,434 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,387,000 | 619 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-2,978,000 | 8,449 |
| Total noninterest expense | $16,025,000 | 607 |
| Salaries and employee benefits | $6,534,000 | 791 |
| Premises and equipment expense | $1,678,000 | 826 |
| Additional noninterest expense | $7,813,000 | 428 |
| Pre-tax net operating income | $-958,000 | 7,884 |
| Securities gains (losses) | $111,000 | 897 |
| Applicable income taxes | $-1,087,000 | 8,277 |
| Income before extraordinary items | $240,000 | 5,348 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 5,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,936,000 | 186 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $168,960 | 5,781 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $35,982,000 | 318 |
| Total interest expense | $22,232,000 | 236 |
| Net interest income | $13,750,000 | 426 |
| Provision for loan and lease losses | $4,989,000 | 218 |
| Total noninterest income | $747,000 | 1,652 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $654,000 | 648 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $93,000 | 3,915 |
| Total noninterest expense | $7,472,000 | 647 |
| Salaries and employee benefits | $3,194,000 | 808 |
| Premises and equipment expense | $770,000 | 898 |
| Additional noninterest expense | $3,508,000 | 450 |
| Pre-tax net operating income | $2,036,000 | 923 |
| Securities gains (losses) | $75,000 | 869 |
| Applicable income taxes | $467,000 | 1,067 |
| Income before extraordinary items | $1,644,000 | 917 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,644,000 | 919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,842,000 | 168 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,585,500 | 908 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $133,247,000 | 350 |
| Total interest expense | $73,806,000 | 299 |
| Net interest income | $59,441,000 | 406 |
| Provision for loan and lease losses | $21,969,000 | 149 |
| Total noninterest income | $3,914,000 | 1,324 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,411,000 | 738 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,503,000 | 1,665 |
| Total noninterest expense | $24,215,000 | 765 |
| Salaries and employee benefits | $9,839,000 | 1,023 |
| Premises and equipment expense | $3,197,000 | 829 |
| Additional noninterest expense | $11,179,000 | 532 |
| Pre-tax net operating income | $17,171,000 | 519 |
| Securities gains (losses) | $72,000 | 689 |
| Applicable income taxes | $5,401,000 | 509 |
| Income before extraordinary items | $11,842,000 | 556 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $11,842,000 | 554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,280,000 | 430 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $11,792,320 | 551 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $95,871,000 | 366 |
| Total interest expense | $52,572,000 | 311 |
| Net interest income | $43,299,000 | 413 |
| Provision for loan and lease losses | $9,776,000 | 159 |
| Total noninterest income | $2,937,000 | 1,322 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,761,000 | 747 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,176,000 | 1,616 |
| Total noninterest expense | $16,730,000 | 823 |
| Salaries and employee benefits | $7,203,000 | 1,041 |
| Premises and equipment expense | $2,217,000 | 888 |
| Additional noninterest expense | $7,310,000 | 577 |
| Pre-tax net operating income | $19,730,000 | 413 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $6,688,000 | 389 |
| Income before extraordinary items | $13,042,000 | 437 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $13,042,000 | 435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,559,000 | 333 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $13,042,000 | 428 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $61,420,000 | 385 |
| Total interest expense | $32,864,000 | 332 |
| Net interest income | $28,556,000 | 427 |
| Provision for loan and lease losses | $5,276,000 | 168 |
| Total noninterest income | $1,881,000 | 1,389 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,135,000 | 779 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $746,000 | 1,692 |
| Total noninterest expense | $11,117,000 | 839 |
| Salaries and employee benefits | $4,677,000 | 1,085 |
| Premises and equipment expense | $1,456,000 | 907 |
| Additional noninterest expense | $4,984,000 | 582 |
| Pre-tax net operating income | $14,044,000 | 431 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $4,845,000 | 394 |
| Income before extraordinary items | $9,200,000 | 451 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $9,200,000 | 450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $822,000 | 511 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $9,199,340 | 440 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $28,870,000 | 402 |
| Total interest expense | $15,353,000 | 350 |
| Net interest income | $13,517,000 | 444 |
| Provision for loan and lease losses | $2,171,000 | 172 |
| Total noninterest income | $911,000 | 1,403 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $538,000 | 795 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $373,000 | 1,676 |
| Total noninterest expense | $5,220,000 | 888 |
| Salaries and employee benefits | $2,309,000 | 1,115 |
| Premises and equipment expense | $723,000 | 922 |
| Additional noninterest expense | $2,188,000 | 631 |
| Pre-tax net operating income | $7,037,000 | 422 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,490,000 | 387 |
| Income before extraordinary items | $4,547,000 | 452 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,547,000 | 451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 504 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $4,547,000 | 444 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $84,558,000 | 496 |
| Total interest expense | $41,291,000 | 435 |
| Net interest income | $43,267,000 | 530 |
| Provision for loan and lease losses | $6,516,000 | 196 |
| Total noninterest income | $3,100,000 | 1,575 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,976,000 | 898 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,124,000 | 2,052 |
| Total noninterest expense | $17,200,000 | 1,044 |
| Salaries and employee benefits | $8,889,000 | 1,087 |
| Premises and equipment expense | $2,374,000 | 1,064 |
| Additional noninterest expense | $5,937,000 | 895 |
| Pre-tax net operating income | $22,651,000 | 494 |
| Securities gains (losses) | $28,000 | 819 |
| Applicable income taxes | $8,130,000 | 453 |
| Income before extraordinary items | $14,549,000 | 541 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $14,549,000 | 539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,633,000 | 463 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $14,531,080 | 532 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $58,037,000 | 543 |
| Total interest expense | $27,411,000 | 483 |
| Net interest income | $30,626,000 | 574 |
| Provision for loan and lease losses | $4,246,000 | 212 |
| Total noninterest income | $2,207,000 | 1,672 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,453,000 | 917 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $754,000 | 2,215 |
| Total noninterest expense | $12,057,000 | 1,133 |
| Salaries and employee benefits | $6,299,000 | 1,178 |
| Premises and equipment expense | $1,716,000 | 1,122 |
| Additional noninterest expense | $4,042,000 | 994 |
| Pre-tax net operating income | $16,530,000 | 520 |
| Securities gains (losses) | $24,000 | 702 |
| Applicable income taxes | $5,862,000 | 484 |
| Income before extraordinary items | $10,692,000 | 568 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $10,692,000 | 568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,221,000 | 395 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $10,676,400 | 558 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $35,088,000 | 576 |
| Total interest expense | $16,291,000 | 507 |
| Net interest income | $18,797,000 | 623 |
| Provision for loan and lease losses | $2,166,000 | 253 |
| Total noninterest income | $1,391,000 | 1,737 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $892,000 | 982 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $499,000 | 2,213 |
| Total noninterest expense | $7,523,000 | 1,216 |
| Salaries and employee benefits | $3,951,000 | 1,257 |
| Premises and equipment expense | $1,137,000 | 1,122 |
| Additional noninterest expense | $2,435,000 | 1,111 |
| Pre-tax net operating income | $10,499,000 | 541 |
| Securities gains (losses) | $24,000 | 577 |
| Applicable income taxes | $3,777,000 | 498 |
| Income before extraordinary items | $6,746,000 | 602 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,746,000 | 600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $502,000 | 560 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $6,730,640 | 589 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $16,169,000 | 598 |
| Total interest expense | $7,293,000 | 522 |
| Net interest income | $8,876,000 | 637 |
| Provision for loan and lease losses | $835,000 | 310 |
| Total noninterest income | $630,000 | 1,849 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $411,000 | 1,037 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $219,000 | 2,360 |
| Total noninterest expense | $3,636,000 | 1,262 |
| Salaries and employee benefits | $1,941,000 | 1,279 |
| Premises and equipment expense | $567,000 | 1,125 |
| Additional noninterest expense | $1,128,000 | 1,181 |
| Pre-tax net operating income | $5,035,000 | 553 |
| Securities gains (losses) | $24,000 | 442 |
| Applicable income taxes | $1,825,000 | 494 |
| Income before extraordinary items | $3,234,000 | 611 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,234,000 | 610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 696 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $3,218,640 | 598 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $46,302,000 | 697 |
| Total interest expense | $20,150,000 | 580 |
| Net interest income | $26,152,000 | 816 |
| Provision for loan and lease losses | $3,208,000 | 340 |
| Total noninterest income | $2,187,000 | 2,072 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,297,000 | 1,361 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $890,000 | 2,382 |
| Total noninterest expense | $13,327,000 | 1,288 |
| Salaries and employee benefits | $6,792,000 | 1,371 |
| Premises and equipment expense | $1,865,000 | 1,315 |
| Additional noninterest expense | $4,670,000 | 1,095 |
| Pre-tax net operating income | $11,804,000 | 833 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,233,000 | 744 |
| Income before extraordinary items | $7,571,000 | 951 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,571,000 | 951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,652,000 | 466 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,571,000 | 931 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $31,941,000 | 728 |
| Total interest expense | $13,580,000 | 599 |
| Net interest income | $18,361,000 | 861 |
| Provision for loan and lease losses | $2,281,000 | 343 |
| Total noninterest income | $1,427,000 | 2,291 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $878,000 | 1,480 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $549,000 | 2,701 |
| Total noninterest expense | $9,703,000 | 1,324 |
| Salaries and employee benefits | $4,906,000 | 1,412 |
| Premises and equipment expense | $1,352,000 | 1,348 |
| Additional noninterest expense | $3,445,000 | 1,096 |
| Pre-tax net operating income | $7,804,000 | 944 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,792,000 | 822 |
| Income before extraordinary items | $5,012,000 | 1,072 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,012,000 | 1,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,119,000 | 455 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,012,000 | 1,056 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,553,000 | 785 |
| Total interest expense | $8,151,000 | 617 |
| Net interest income | $11,402,000 | 915 |
| Provision for loan and lease losses | $1,250,000 | 396 |
| Total noninterest income | $827,000 | 2,477 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $534,000 | 1,574 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $293,000 | 3,100 |
| Total noninterest expense | $6,307,000 | 1,347 |
| Salaries and employee benefits | $3,198,000 | 1,437 |
| Premises and equipment expense | $838,000 | 1,444 |
| Additional noninterest expense | $2,271,000 | 1,100 |
| Pre-tax net operating income | $4,672,000 | 1,014 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,670,000 | 879 |
| Income before extraordinary items | $3,002,000 | 1,174 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,002,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $655,000 | 500 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,002,000 | 1,146 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,968,000 | 839 |
| Total interest expense | $3,622,000 | 663 |
| Net interest income | $5,346,000 | 968 |
| Provision for loan and lease losses | $500,000 | 469 |
| Total noninterest income | $449,000 | 2,315 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $256,000 | 1,598 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $193,000 | 2,537 |
| Total noninterest expense | $2,784,000 | 1,517 |
| Salaries and employee benefits | $1,572,000 | 1,481 |
| Premises and equipment expense | $317,000 | 1,887 |
| Additional noninterest expense | $895,000 | 1,392 |
| Pre-tax net operating income | $2,511,000 | 933 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $900,000 | 827 |
| Income before extraordinary items | $1,611,000 | 1,073 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,611,000 | 1,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 1,063 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,611,000 | 1,048 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $29,426,000 | 958 |
| Total interest expense | $11,151,000 | 753 |
| Net interest income | $18,275,000 | 1,096 |
| Provision for loan and lease losses | $2,375,000 | 470 |
| Total noninterest income | $1,897,000 | 2,277 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,104,000 | 1,587 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $793,000 | 2,512 |
| Total noninterest expense | $9,273,000 | 1,743 |
| Salaries and employee benefits | $4,848,000 | 1,813 |
| Premises and equipment expense | $1,065,000 | 2,148 |
| Additional noninterest expense | $3,360,000 | 1,478 |
| Pre-tax net operating income | $8,524,000 | 1,028 |
| Securities gains (losses) | $-6,000 | 8,098 |
| Applicable income taxes | $3,022,000 | 901 |
| Income before extraordinary items | $5,496,000 | 1,193 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,496,000 | 1,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,343,000 | 624 |
| Cash dividends | $34,000 | 5,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,499,900 | 1,154 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $21,154,000 | 986 |
| Total interest expense | $7,962,000 | 761 |
| Net interest income | $13,192,000 | 1,129 |
| Provision for loan and lease losses | $1,400,000 | 560 |
| Total noninterest income | $1,174,000 | 2,611 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $829,000 | 1,589 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $345,000 | 3,459 |
| Total noninterest expense | $6,677,000 | 1,810 |
| Salaries and employee benefits | $3,436,000 | 1,900 |
| Premises and equipment expense | $794,000 | 2,161 |
| Additional noninterest expense | $2,447,000 | 1,498 |
| Pre-tax net operating income | $6,289,000 | 1,047 |
| Securities gains (losses) | $-6,000 | 8,396 |
| Applicable income taxes | $2,227,000 | 928 |
| Income before extraordinary items | $4,056,000 | 1,213 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,056,000 | 1,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $594,000 | 828 |
| Cash dividends | $34,000 | 5,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,059,900 | 1,178 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $13,527,000 | 1,017 |
| Total interest expense | $5,061,000 | 781 |
| Net interest income | $8,466,000 | 1,171 |
| Provision for loan and lease losses | $800,000 | 638 |
| Total noninterest income | $735,000 | 2,742 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $532,000 | 1,645 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $203,000 | 3,704 |
| Total noninterest expense | $4,322,000 | 1,846 |
| Salaries and employee benefits | $2,242,000 | 1,937 |
| Premises and equipment expense | $533,000 | 2,142 |
| Additional noninterest expense | $1,547,000 | 1,565 |
| Pre-tax net operating income | $4,079,000 | 1,063 |
| Securities gains (losses) | $6,000 | 2,670 |
| Applicable income taxes | $1,455,000 | 937 |
| Income before extraordinary items | $2,630,000 | 1,236 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,630,000 | 1,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 1,079 |
| Cash dividends | $34,000 | 4,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,626,160 | 1,198 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,453,000 | 1,081 |
| Total interest expense | $2,437,000 | 823 |
| Net interest income | $4,016,000 | 1,237 |
| Provision for loan and lease losses | $350,000 | 704 |
| Total noninterest income | $349,000 | 2,797 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $246,000 | 1,726 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $103,000 | 3,651 |
| Total noninterest expense | $2,106,000 | 1,903 |
| Salaries and employee benefits | $1,129,000 | 1,940 |
| Premises and equipment expense | $261,000 | 2,200 |
| Additional noninterest expense | $716,000 | 1,656 |
| Pre-tax net operating income | $1,909,000 | 1,115 |
| Securities gains (losses) | $6,000 | 2,267 |
| Applicable income taxes | $680,000 | 1,006 |
| Income before extraordinary items | $1,235,000 | 1,305 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,235,000 | 1,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 1,285 |
| Cash dividends | $34,000 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,231,160 | 1,250 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,597,000 | 1,261 |
| Total interest expense | $9,700,000 | 919 |
| Net interest income | $12,897,000 | 1,509 |
| Provision for loan and lease losses | $1,668,000 | 748 |
| Total noninterest income | $1,496,000 | 2,850 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $906,000 | 1,903 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $590,000 | 3,291 |
| Total noninterest expense | $7,376,000 | 2,137 |
| Salaries and employee benefits | $3,767,000 | 2,259 |
| Premises and equipment expense | $1,031,000 | 2,202 |
| Additional noninterest expense | $2,578,000 | 1,870 |
| Pre-tax net operating income | $5,349,000 | 1,534 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,898,000 | 1,336 |
| Income before extraordinary items | $3,451,000 | 1,805 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,451,000 | 1,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,176,000 | 817 |
| Cash dividends | $880,000 | 2,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,451,000 | 1,723 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,511,000 | 1,312 |
| Total interest expense | $7,410,000 | 940 |
| Net interest income | $9,101,000 | 1,612 |
| Provision for loan and lease losses | $1,193,000 | 778 |
| Total noninterest income | $1,007,000 | 3,119 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $657,000 | 1,973 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $350,000 | 3,774 |
| Total noninterest expense | $5,332,000 | 2,205 |
| Salaries and employee benefits | $2,775,000 | 2,290 |
| Premises and equipment expense | $778,000 | 2,200 |
| Additional noninterest expense | $1,779,000 | 2,012 |
| Pre-tax net operating income | $3,583,000 | 1,747 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,281,000 | 1,522 |
| Income before extraordinary items | $2,302,000 | 2,068 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,302,000 | 2,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $982,000 | 710 |
| Cash dividends | $442,000 | 2,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,302,000 | 1,958 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,772,000 | 1,359 |
| Total interest expense | $5,008,000 | 961 |
| Net interest income | $5,764,000 | 1,692 |
| Provision for loan and lease losses | $750,000 | 809 |
| Total noninterest income | $828,000 | 2,687 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $421,000 | 1,998 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $407,000 | 2,774 |
| Total noninterest expense | $3,711,000 | 2,117 |
| Salaries and employee benefits | $1,867,000 | 2,264 |
| Premises and equipment expense | $521,000 | 2,175 |
| Additional noninterest expense | $1,323,000 | 1,820 |
| Pre-tax net operating income | $2,131,000 | 1,927 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $761,000 | 1,696 |
| Income before extraordinary items | $1,370,000 | 2,283 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,370,000 | 2,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $750,000 | 629 |
| Cash dividends | $286,000 | 2,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,370,000 | 2,156 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,418,000 | 1,351 |
| Total interest expense | $2,521,000 | 980 |
| Net interest income | $2,897,000 | 1,689 |
| Provision for loan and lease losses | $450,000 | 656 |
| Total noninterest income | $441,000 | 2,511 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $193,000 | 2,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $248,000 | 2,372 |
| Total noninterest expense | $1,938,000 | 2,024 |
| Salaries and employee benefits | $949,000 | 2,216 |
| Premises and equipment expense | $257,000 | 2,200 |
| Additional noninterest expense | $732,000 | 1,611 |
| Pre-tax net operating income | $950,000 | 2,136 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $340,000 | 1,866 |
| Income before extraordinary items | $610,000 | 2,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $610,000 | 2,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 712 |
| Cash dividends | $33,000 | 3,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $610,000 | 2,369 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,014,000 | 1,541 |
| Total interest expense | $9,438,000 | 1,190 |
| Net interest income | $10,576,000 | 1,836 |
| Provision for loan and lease losses | $833,000 | 1,576 |
| Total noninterest income | $801,000 | 4,000 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $736,000 | 2,163 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $65,000 | 7,210 |
| Total noninterest expense | $6,270,000 | 2,370 |
| Salaries and employee benefits | $3,198,000 | 2,476 |
| Premises and equipment expense | $928,000 | 2,339 |
| Additional noninterest expense | $2,144,000 | 2,163 |
| Pre-tax net operating income | $4,274,000 | 1,881 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,593,000 | 1,572 |
| Income before extraordinary items | $2,681,000 | 2,226 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,681,000 | 2,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,633 |
| Cash dividends | $40,000 | 6,043 |
| Sale, conversion, retirement of capital stock, net | $457,000 | 486 |
| Net operating income | $2,681,000 | 2,145 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,713,000 | 1,930 |
| Total interest expense | $9,527,000 | 1,710 |
| Net interest income | $8,186,000 | 2,197 |
| Provision for loan and lease losses | $1,441,000 | 946 |
| Total noninterest income | $494,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $464,000 | 3,023 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $30,000 | 8,341 |
| Total noninterest expense | $5,064,000 | 2,796 |
| Salaries and employee benefits | $2,680,000 | 2,779 |
| Premises and equipment expense | $836,000 | 2,518 |
| Additional noninterest expense | $1,548,000 | 2,800 |
| Pre-tax net operating income | $2,175,000 | 2,987 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $813,000 | 2,392 |
| Income before extraordinary items | $1,362,000 | 3,474 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,362,000 | 3,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 2,193 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $5,351,000 | 169 |
| Net operating income | $1,362,000 | 3,374 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,574,000 | 3,535 |
| Total interest expense | $4,538,000 | 3,592 |
| Net interest income | $5,036,000 | 3,443 |
| Provision for loan and lease losses | $989,000 | 1,080 |
| Total noninterest income | $196,000 | 7,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 9,605 |
| Total noninterest expense | $3,246,000 | 3,959 |
| Salaries and employee benefits | $1,641,000 | 4,068 |
| Premises and equipment expense | $535,000 | 3,591 |
| Additional noninterest expense | $1,070,000 | 3,784 |
| Pre-tax net operating income | $997,000 | 5,263 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $273,000 | 4,785 |
| Income before extraordinary items | $724,000 | 5,330 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $724,000 | 5,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,923 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $5,038,000 | 202 |
| Net operating income | $724,000 | 5,330 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,786,000 | 7,613 |
| Total interest expense | $977,000 | 8,236 |
| Net interest income | $1,809,000 | 6,991 |
| Provision for loan and lease losses | $370,000 | 2,232 |
| Total noninterest income | $71,000 | 9,277 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $1,283,000 | 7,347 |
| Salaries and employee benefits | $612,000 | 7,685 |
| Premises and equipment expense | $111,000 | 8,406 |
| Additional noninterest expense | $560,000 | 6,083 |
| Pre-tax net operating income | $227,000 | 8,445 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $83,000 | 7,162 |
| Income before extraordinary items | $144,000 | 8,684 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $144,000 | 8,683 |
| 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 | $65,000 | 829 |
| Net operating income | $144,000 | 8,639 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $52,000 | 10,434 |
| Total interest expense | $11,000 | 10,401 |
| Net interest income | $41,000 | 10,425 |
| Provision for loan and lease losses | $26,000 | 7,477 |
| Total noninterest income | $33,000 | 10,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $259,000 | 10,317 |
| Salaries and employee benefits | $116,000 | 10,339 |
| Premises and equipment expense | $22,000 | 10,288 |
| Additional noninterest expense | $121,000 | 9,944 |
| Pre-tax net operating income | $-211,000 | 10,001 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-211,000 | 10,057 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-211,000 | 10,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $6,060,000 | 190 |
| Net operating income | $-211,000 | 10,028 |
* 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.