Home > Pocono Community Bank > Income and Expense
Pocono Community Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,824,000 | 4,473 |
| Total interest expense | $2,800,000 | 4,188 |
| Net interest income | $3,024,000 | 4,618 |
| Provision for loan and lease losses | $48,000 | 5,090 |
| Total noninterest income | $413,000 | 4,830 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $212,000 | 4,222 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $201,000 | 4,475 |
| Total noninterest expense | $2,562,000 | 4,580 |
| Salaries and employee benefits | $1,232,000 | 5,010 |
| Premises and equipment expense | $344,000 | 4,592 |
| Additional noninterest expense | $986,000 | 3,746 |
| Pre-tax net operating income | $827,000 | 4,768 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $253,000 | 3,415 |
| Income before extraordinary items | $574,000 | 5,099 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $574,000 | 5,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,610 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $280,000 | 521 |
| Net operating income | $574,000 | 5,096 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,867,000 | 4,498 |
| Total interest expense | $1,836,000 | 4,241 |
| Net interest income | $2,031,000 | 4,624 |
| Provision for loan and lease losses | $39,000 | 4,684 |
| Total noninterest income | $274,000 | 4,866 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $137,000 | 4,285 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $137,000 | 4,494 |
| Total noninterest expense | $1,724,000 | 4,564 |
| Salaries and employee benefits | $830,000 | 5,008 |
| Premises and equipment expense | $233,000 | 4,577 |
| Additional noninterest expense | $661,000 | 3,724 |
| Pre-tax net operating income | $542,000 | 4,885 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $169,000 | 3,492 |
| Income before extraordinary items | $373,000 | 5,225 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $373,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $280,000 | 389 |
| Net operating income | $373,000 | 5,213 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,884,000 | 4,570 |
| Total interest expense | $915,000 | 4,221 |
| Net interest income | $969,000 | 4,763 |
| Provision for loan and lease losses | $21,000 | 4,310 |
| Total noninterest income | $137,000 | 4,832 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $68,000 | 4,246 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $69,000 | 4,489 |
| Total noninterest expense | $831,000 | 4,688 |
| Salaries and employee benefits | $413,000 | 5,057 |
| Premises and equipment expense | $118,000 | 4,567 |
| Additional noninterest expense | $300,000 | 3,974 |
| Pre-tax net operating income | $254,000 | 5,014 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $68,000 | 3,781 |
| Income before extraordinary items | $186,000 | 5,227 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $186,000 | 5,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 495 |
| Net operating income | $186,000 | 5,210 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,200,000 | 4,488 |
| Total interest expense | $3,032,000 | 4,295 |
| Net interest income | $4,168,000 | 4,548 |
| Provision for loan and lease losses | $80,000 | 5,017 |
| Total noninterest income | $513,000 | 5,074 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $242,000 | 4,575 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $271,000 | 4,498 |
| Total noninterest expense | $3,215,000 | 4,668 |
| Salaries and employee benefits | $1,668,000 | 4,867 |
| Premises and equipment expense | $434,000 | 4,677 |
| Additional noninterest expense | $1,113,000 | 4,170 |
| Pre-tax net operating income | $1,386,000 | 4,471 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $381,000 | 3,492 |
| Income before extraordinary items | $1,005,000 | 4,703 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,005,000 | 4,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,543 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $143,000 | 827 |
| Net operating income | $1,005,000 | 4,701 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,328,000 | 4,511 |
| Total interest expense | $2,136,000 | 4,371 |
| Net interest income | $3,192,000 | 4,522 |
| Provision for loan and lease losses | $71,000 | 4,647 |
| Total noninterest income | $389,000 | 5,075 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $182,000 | 4,600 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $207,000 | 4,463 |
| Total noninterest expense | $2,355,000 | 4,721 |
| Salaries and employee benefits | $1,177,000 | 5,034 |
| Premises and equipment expense | $327,000 | 4,662 |
| Additional noninterest expense | $851,000 | 4,083 |
| Pre-tax net operating income | $1,155,000 | 4,394 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $325,000 | 3,467 |
| Income before extraordinary items | $830,000 | 4,617 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $830,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 840 |
| Net operating income | $830,000 | 4,606 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,477,000 | 4,530 |
| Total interest expense | $1,345,000 | 4,384 |
| Net interest income | $2,132,000 | 4,525 |
| Provision for loan and lease losses | $45,000 | 4,580 |
| Total noninterest income | $253,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $116,000 | 4,683 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 4,474 |
| Total noninterest expense | $1,579,000 | 4,726 |
| Salaries and employee benefits | $784,000 | 5,052 |
| Premises and equipment expense | $216,000 | 4,701 |
| Additional noninterest expense | $579,000 | 4,019 |
| Pre-tax net operating income | $761,000 | 4,436 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $214,000 | 3,527 |
| Income before extraordinary items | $547,000 | 4,659 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $547,000 | 4,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 653 |
| Net operating income | $547,000 | 4,651 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,699,000 | 4,545 |
| Total interest expense | $620,000 | 4,487 |
| Net interest income | $1,079,000 | 4,481 |
| Provision for loan and lease losses | $24,000 | 4,343 |
| Total noninterest income | $125,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $56,000 | 4,691 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $69,000 | 4,456 |
| Total noninterest expense | $776,000 | 4,785 |
| Salaries and employee benefits | $386,000 | 5,132 |
| Premises and equipment expense | $104,000 | 4,836 |
| Additional noninterest expense | $286,000 | 4,046 |
| Pre-tax net operating income | $404,000 | 4,255 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $114,000 | 3,410 |
| Income before extraordinary items | $290,000 | 4,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $290,000 | 4,504 |
| 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 | $42,000 | 417 |
| Net operating income | $290,000 | 4,485 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,593,000 | 4,330 |
| Total interest expense | $2,182,000 | 4,181 |
| Net interest income | $4,411,000 | 4,319 |
| Provision for loan and lease losses | $101,000 | 4,790 |
| Total noninterest income | $459,000 | 5,449 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $235,000 | 4,705 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $224,000 | 4,951 |
| Total noninterest expense | $2,875,000 | 4,923 |
| Salaries and employee benefits | $1,529,000 | 4,980 |
| Premises and equipment expense | $388,000 | 4,947 |
| Additional noninterest expense | $958,000 | 4,565 |
| Pre-tax net operating income | $1,894,000 | 3,817 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $593,000 | 3,091 |
| Income before extraordinary items | $1,301,000 | 4,147 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,301,000 | 4,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,206 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 918 |
| Net operating income | $1,301,000 | 4,119 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,856,000 | 4,342 |
| Total interest expense | $1,581,000 | 4,144 |
| Net interest income | $3,275,000 | 4,361 |
| Provision for loan and lease losses | $79,000 | 4,657 |
| Total noninterest income | $311,000 | 5,694 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $177,000 | 4,724 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $134,000 | 5,406 |
| Total noninterest expense | $2,045,000 | 5,063 |
| Salaries and employee benefits | $1,063,000 | 5,222 |
| Premises and equipment expense | $294,000 | 4,911 |
| Additional noninterest expense | $688,000 | 4,675 |
| Pre-tax net operating income | $1,462,000 | 3,827 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $467,000 | 3,067 |
| Income before extraordinary items | $995,000 | 4,172 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $995,000 | 4,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,349 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $995,000 | 4,124 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,156,000 | 4,347 |
| Total interest expense | $1,001,000 | 4,127 |
| Net interest income | $2,155,000 | 4,372 |
| Provision for loan and lease losses | $52,000 | 4,495 |
| Total noninterest income | $192,000 | 5,828 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $80,000 | 5,615 |
| Total noninterest expense | $1,341,000 | 5,113 |
| Salaries and employee benefits | $712,000 | 5,193 |
| Premises and equipment expense | $193,000 | 4,940 |
| Additional noninterest expense | $436,000 | 4,828 |
| Pre-tax net operating income | $954,000 | 3,831 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $310,000 | 3,046 |
| Income before extraordinary items | $644,000 | 4,236 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $644,000 | 4,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $644,000 | 4,183 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,526,000 | 4,428 |
| Total interest expense | $484,000 | 4,112 |
| Net interest income | $1,042,000 | 4,489 |
| Provision for loan and lease losses | $26,000 | 4,356 |
| Total noninterest income | $91,000 | 5,905 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $50,000 | 4,996 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $41,000 | 5,596 |
| Total noninterest expense | $652,000 | 5,244 |
| Salaries and employee benefits | $356,000 | 5,233 |
| Premises and equipment expense | $97,000 | 4,978 |
| Additional noninterest expense | $199,000 | 5,090 |
| Pre-tax net operating income | $455,000 | 3,928 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $150,000 | 3,095 |
| Income before extraordinary items | $305,000 | 4,327 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $305,000 | 4,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $305,000 | 4,283 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,803,000 | 4,367 |
| Total interest expense | $1,890,000 | 3,818 |
| Net interest income | $3,913,000 | 4,549 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $690,000 | 4,427 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $168,000 | 5,579 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $522,000 | 3,234 |
| Total noninterest expense | $2,628,000 | 5,120 |
| Salaries and employee benefits | $1,454,000 | 5,057 |
| Premises and equipment expense | $344,000 | 5,281 |
| Additional noninterest expense | $830,000 | 4,971 |
| Pre-tax net operating income | $1,951,000 | 3,566 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $647,000 | 2,903 |
| Income before extraordinary items | $1,304,000 | 3,976 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,304,000 | 3,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,850 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 842 |
| Net operating income | $1,304,000 | 3,918 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,264,000 | 4,403 |
| Total interest expense | $1,412,000 | 3,789 |
| Net interest income | $2,852,000 | 4,645 |
| Provision for loan and lease losses | $20,000 | 6,311 |
| Total noninterest income | $614,000 | 4,019 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $123,000 | 5,662 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $491,000 | 2,835 |
| Total noninterest expense | $1,870,000 | 5,273 |
| Salaries and employee benefits | $1,013,000 | 5,279 |
| Premises and equipment expense | $260,000 | 5,221 |
| Additional noninterest expense | $597,000 | 5,068 |
| Pre-tax net operating income | $1,576,000 | 3,467 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $525,000 | 2,818 |
| Income before extraordinary items | $1,051,000 | 3,889 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,051,000 | 3,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,986 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 725 |
| Net operating income | $1,051,000 | 3,814 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,760,000 | 4,507 |
| Total interest expense | $937,000 | 3,796 |
| Net interest income | $1,823,000 | 4,774 |
| Provision for loan and lease losses | $14,000 | 6,192 |
| Total noninterest income | $341,000 | 4,483 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $82,000 | 5,671 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $259,000 | 3,259 |
| Total noninterest expense | $1,240,000 | 5,320 |
| Salaries and employee benefits | $668,000 | 5,348 |
| Premises and equipment expense | $176,000 | 5,184 |
| Additional noninterest expense | $396,000 | 5,101 |
| Pre-tax net operating income | $910,000 | 3,772 |
| Securities gains (losses) | $187,000 | 675 |
| Applicable income taxes | $368,000 | 2,718 |
| Income before extraordinary items | $729,000 | 3,767 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $729,000 | 3,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,243 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $605,580 | 4,140 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,404,000 | 4,478 |
| Total interest expense | $469,000 | 3,847 |
| Net interest income | $935,000 | 4,695 |
| Provision for loan and lease losses | $14,000 | 5,389 |
| Total noninterest income | $254,000 | 3,487 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $42,000 | 5,572 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $212,000 | 2,379 |
| Total noninterest expense | $598,000 | 5,458 |
| Salaries and employee benefits | $331,000 | 5,390 |
| Premises and equipment expense | $89,000 | 5,208 |
| Additional noninterest expense | $178,000 | 5,468 |
| Pre-tax net operating income | $577,000 | 3,178 |
| Securities gains (losses) | $187,000 | 529 |
| Applicable income taxes | $259,000 | 2,139 |
| Income before extraordinary items | $505,000 | 2,923 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $505,000 | 2,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $381,580 | 3,518 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,945,000 | 4,340 |
| Total interest expense | $1,966,000 | 4,083 |
| Net interest income | $3,979,000 | 4,386 |
| Provision for loan and lease losses | $161,000 | 4,464 |
| Total noninterest income | $324,000 | 6,424 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $161,000 | 5,737 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $163,000 | 5,670 |
| Total noninterest expense | $2,395,000 | 5,376 |
| Salaries and employee benefits | $1,275,000 | 5,418 |
| Premises and equipment expense | $330,000 | 5,362 |
| Additional noninterest expense | $790,000 | 5,093 |
| Pre-tax net operating income | $1,747,000 | 3,714 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $597,000 | 3,073 |
| Income before extraordinary items | $1,150,000 | 4,256 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,150,000 | 4,257 |
| 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 | $54,000 | 719 |
| Net operating income | $1,150,000 | 4,087 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,483,000 | 4,376 |
| Total interest expense | $1,482,000 | 4,185 |
| Net interest income | $3,001,000 | 4,377 |
| Provision for loan and lease losses | $161,000 | 3,767 |
| Total noninterest income | $245,000 | 6,458 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $121,000 | 5,773 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $124,000 | 5,684 |
| Total noninterest expense | $1,706,000 | 5,528 |
| Salaries and employee benefits | $893,000 | 5,622 |
| Premises and equipment expense | $243,000 | 5,418 |
| Additional noninterest expense | $570,000 | 5,196 |
| Pre-tax net operating income | $1,379,000 | 3,701 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $468,000 | 3,143 |
| Income before extraordinary items | $911,000 | 4,253 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $911,000 | 4,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $911,000 | 4,071 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,970,000 | 4,414 |
| Total interest expense | $993,000 | 4,270 |
| Net interest income | $1,977,000 | 4,432 |
| Provision for loan and lease losses | $133,000 | 3,303 |
| Total noninterest income | $163,000 | 6,445 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $79,000 | 5,792 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $84,000 | 5,643 |
| Total noninterest expense | $1,115,000 | 5,601 |
| Salaries and employee benefits | $593,000 | 5,655 |
| Premises and equipment expense | $163,000 | 5,379 |
| Additional noninterest expense | $359,000 | 5,388 |
| Pre-tax net operating income | $892,000 | 3,777 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $303,000 | 3,227 |
| Income before extraordinary items | $589,000 | 4,356 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $589,000 | 4,355 |
| 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 | $589,000 | 4,148 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,472,000 | 4,472 |
| Total interest expense | $502,000 | 4,336 |
| Net interest income | $970,000 | 4,488 |
| Provision for loan and lease losses | $83,000 | 2,698 |
| Total noninterest income | $75,000 | 6,577 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $37,000 | 5,843 |
| Total noninterest expense | $547,000 | 5,661 |
| Salaries and employee benefits | $293,000 | 5,698 |
| Premises and equipment expense | $70,000 | 5,840 |
| Additional noninterest expense | $184,000 | 5,272 |
| Pre-tax net operating income | $415,000 | 3,953 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $141,000 | 3,336 |
| Income before extraordinary items | $274,000 | 4,482 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $274,000 | 4,482 |
| 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 | $274,000 | 4,282 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,529,000 | 4,819 |
| Total interest expense | $2,035,000 | 4,737 |
| Net interest income | $3,494,000 | 4,759 |
| Provision for loan and lease losses | $218,000 | 4,192 |
| Total noninterest income | $260,000 | 6,775 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $140,000 | 5,961 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $120,000 | 6,062 |
| Total noninterest expense | $2,238,000 | 5,476 |
| Salaries and employee benefits | $1,165,000 | 5,588 |
| Premises and equipment expense | $406,000 | 4,596 |
| Additional noninterest expense | $667,000 | 5,566 |
| Pre-tax net operating income | $1,298,000 | 4,490 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $441,000 | 3,699 |
| Income before extraordinary items | $857,000 | 5,021 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $857,000 | 5,021 |
| 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 | $4,000 | 842 |
| Net operating income | $857,000 | 4,890 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,827,000 | 5,743 |
| Total interest expense | $2,297,000 | 5,669 |
| Net interest income | $2,530,000 | 5,679 |
| Provision for loan and lease losses | $73,000 | 6,134 |
| Total noninterest income | $219,000 | 7,132 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $123,000 | 6,204 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $96,000 | 6,520 |
| Total noninterest expense | $1,915,000 | 5,900 |
| Salaries and employee benefits | $1,030,000 | 5,880 |
| Premises and equipment expense | $261,000 | 5,952 |
| Additional noninterest expense | $624,000 | 5,704 |
| Pre-tax net operating income | $761,000 | 5,621 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $259,000 | 4,561 |
| Income before extraordinary items | $502,000 | 6,061 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $502,000 | 6,063 |
| 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 | $2,000 | 899 |
| Net operating income | $502,000 | 5,947 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,064,000 | 6,438 |
| Total interest expense | $1,895,000 | 6,434 |
| Net interest income | $2,169,000 | 6,319 |
| Provision for loan and lease losses | $205,000 | 3,684 |
| Total noninterest income | $151,000 | 7,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 6,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 7,155 |
| Total noninterest expense | $1,563,000 | 6,575 |
| Salaries and employee benefits | $866,000 | 6,435 |
| Premises and equipment expense | $205,000 | 6,693 |
| Additional noninterest expense | $492,000 | 6,484 |
| Pre-tax net operating income | $552,000 | 6,775 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-170,000 | 9,668 |
| Income before extraordinary items | $722,000 | 5,336 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $722,000 | 5,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,983,000 | 371 |
| Net operating income | $722,000 | 5,336 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,906,000 | 7,489 |
| Total interest expense | $1,430,000 | 7,129 |
| Net interest income | $1,476,000 | 7,631 |
| Provision for loan and lease losses | $197,000 | 3,601 |
| Total noninterest income | $132,000 | 8,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 7,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,013 |
| Total noninterest expense | $1,321,000 | 7,241 |
| Salaries and employee benefits | $725,000 | 7,111 |
| Premises and equipment expense | $161,000 | 7,475 |
| Additional noninterest expense | $435,000 | 7,006 |
| Pre-tax net operating income | $90,000 | 9,109 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $90,000 | 9,036 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $90,000 | 9,034 |
| 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 | $0 | 1,035 |
| Net operating income | $90,000 | 9,002 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,610,000 | 9,149 |
| Total interest expense | $977,000 | 8,478 |
| Net interest income | $633,000 | 9,651 |
| Provision for loan and lease losses | $227,000 | 3,250 |
| Total noninterest income | $73,000 | 9,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 8,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,063 |
| Total noninterest expense | $1,238,000 | 7,436 |
| Salaries and employee benefits | $621,000 | 7,637 |
| Premises and equipment expense | $157,000 | 7,493 |
| Additional noninterest expense | $460,000 | 6,719 |
| Pre-tax net operating income | $-759,000 | 10,284 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-759,000 | 10,322 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-759,000 | 10,315 |
| 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 | $0 | 1,027 |
| Net operating income | $-759,000 | 10,298 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $124,000 | 10,865 |
| Total interest expense | $9,000 | 10,873 |
| Net interest income | $115,000 | 10,843 |
| Provision for loan and lease losses | $1,000 | 8,801 |
| Total noninterest income | $1,000 | 10,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,828 |
| Total noninterest expense | $478,000 | 10,202 |
| Salaries and employee benefits | $56,000 | 10,875 |
| Premises and equipment expense | $14,000 | 10,816 |
| Additional noninterest expense | $408,000 | 7,278 |
| Pre-tax net operating income | $-363,000 | 10,677 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-363,000 | 10,706 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-363,000 | 10,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $6,489,000 | 150 |
| Net operating income | $-363,000 | 10,687 |
* 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.