Home > Potomac Bank of Virginia > Income and Expense
Potomac Bank of Virginia, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,805,000 | 2,446 |
| Total interest expense | $6,168,000 | 2,536 |
| Net interest income | $9,637,000 | 2,368 |
| Provision for loan and lease losses | $332,000 | 2,598 |
| Total noninterest income | $626,000 | 4,622 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $140,000 | 5,644 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $486,000 | 3,383 |
| Total noninterest expense | $7,130,000 | 2,477 |
| Salaries and employee benefits | $4,040,000 | 2,429 |
| Premises and equipment expense | $1,046,000 | 2,360 |
| Additional noninterest expense | $2,044,000 | 2,530 |
| Pre-tax net operating income | $2,801,000 | 2,913 |
| Securities gains (losses) | $-64,000 | 8,031 |
| Applicable income taxes | $856,000 | 2,381 |
| Income before extraordinary items | $1,881,000 | 3,227 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,881,000 | 3,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,765 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $221,000 | 748 |
| Net operating income | $1,925,160 | 3,167 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,487,000 | 2,496 |
| Total interest expense | $4,361,000 | 2,588 |
| Net interest income | $7,126,000 | 2,423 |
| Provision for loan and lease losses | $302,000 | 2,133 |
| Total noninterest income | $454,000 | 4,740 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $104,000 | 5,729 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $350,000 | 3,441 |
| Total noninterest expense | $5,217,000 | 2,519 |
| Salaries and employee benefits | $2,954,000 | 2,469 |
| Premises and equipment expense | $763,000 | 2,434 |
| Additional noninterest expense | $1,500,000 | 2,562 |
| Pre-tax net operating income | $2,061,000 | 3,036 |
| Securities gains (losses) | $-64,000 | 8,267 |
| Applicable income taxes | $625,000 | 2,527 |
| Income before extraordinary items | $1,372,000 | 3,395 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,372,000 | 3,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,781 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $286,000 | 533 |
| Net operating income | $1,416,160 | 3,318 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,263,000 | 2,583 |
| Total interest expense | $2,688,000 | 2,661 |
| Net interest income | $4,575,000 | 2,499 |
| Provision for loan and lease losses | $262,000 | 1,698 |
| Total noninterest income | $174,000 | 5,928 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 5,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $106,000 | 5,005 |
| Total noninterest expense | $3,304,000 | 2,655 |
| Salaries and employee benefits | $1,839,000 | 2,628 |
| Premises and equipment expense | $488,000 | 2,532 |
| Additional noninterest expense | $977,000 | 2,623 |
| Pre-tax net operating income | $1,183,000 | 3,395 |
| Securities gains (losses) | $-64,000 | 8,428 |
| Applicable income taxes | $345,000 | 2,850 |
| Income before extraordinary items | $774,000 | 3,820 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $774,000 | 3,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,784 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $261,000 | 401 |
| Net operating income | $818,160 | 3,687 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,451,000 | 2,640 |
| Total interest expense | $1,258,000 | 2,704 |
| Net interest income | $2,193,000 | 2,581 |
| Provision for loan and lease losses | $151,000 | 1,416 |
| Total noninterest income | $87,000 | 5,894 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $31,000 | 5,867 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,890 |
| Total noninterest expense | $1,607,000 | 2,719 |
| Salaries and employee benefits | $916,000 | 2,643 |
| Premises and equipment expense | $239,000 | 2,566 |
| Additional noninterest expense | $452,000 | 2,795 |
| Pre-tax net operating income | $522,000 | 3,633 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $159,000 | 2,951 |
| Income before extraordinary items | $363,000 | 3,935 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $363,000 | 3,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,838 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $239,000 | 231 |
| Net operating income | $363,000 | 3,915 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,677,000 | 2,769 |
| Total interest expense | $3,098,000 | 3,244 |
| Net interest income | $8,579,000 | 2,541 |
| Provision for loan and lease losses | $477,000 | 1,981 |
| Total noninterest income | $786,000 | 4,083 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $119,000 | 6,011 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $667,000 | 2,853 |
| Total noninterest expense | $6,842,000 | 2,432 |
| Salaries and employee benefits | $3,849,000 | 2,376 |
| Premises and equipment expense | $909,000 | 2,572 |
| Additional noninterest expense | $2,084,000 | 2,393 |
| Pre-tax net operating income | $2,046,000 | 3,627 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $664,000 | 2,906 |
| Income before extraordinary items | $1,382,000 | 3,989 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,382,000 | 3,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,330 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 597 |
| Net operating income | $1,382,000 | 3,959 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,369,000 | 2,822 |
| Total interest expense | $2,013,000 | 3,496 |
| Net interest income | $6,356,000 | 2,549 |
| Provision for loan and lease losses | $380,000 | 1,786 |
| Total noninterest income | $646,000 | 3,896 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 6,054 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $557,000 | 2,673 |
| Total noninterest expense | $5,119,000 | 2,423 |
| Salaries and employee benefits | $2,903,000 | 2,335 |
| Premises and equipment expense | $669,000 | 2,603 |
| Additional noninterest expense | $1,547,000 | 2,374 |
| Pre-tax net operating income | $1,503,000 | 3,748 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $490,000 | 2,986 |
| Income before extraordinary items | $1,013,000 | 4,121 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,013,000 | 4,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 1,024 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $257,000 | 467 |
| Net operating income | $1,013,000 | 4,082 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,328,000 | 2,871 |
| Total interest expense | $1,186,000 | 3,645 |
| Net interest income | $4,142,000 | 2,568 |
| Provision for loan and lease losses | $353,000 | 1,327 |
| Total noninterest income | $456,000 | 3,743 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $57,000 | 6,097 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $399,000 | 2,544 |
| Total noninterest expense | $3,338,000 | 2,450 |
| Salaries and employee benefits | $1,908,000 | 2,350 |
| Premises and equipment expense | $441,000 | 2,603 |
| Additional noninterest expense | $989,000 | 2,456 |
| Pre-tax net operating income | $907,000 | 3,973 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $297,000 | 3,126 |
| Income before extraordinary items | $610,000 | 4,375 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $610,000 | 4,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 723 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $238,000 | 353 |
| Net operating income | $610,000 | 4,322 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,590,000 | 2,903 |
| Total interest expense | $535,000 | 3,841 |
| Net interest income | $2,055,000 | 2,591 |
| Provision for loan and lease losses | $325,000 | 711 |
| Total noninterest income | $229,000 | 3,666 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $202,000 | 2,467 |
| Total noninterest expense | $1,658,000 | 2,470 |
| Salaries and employee benefits | $941,000 | 2,406 |
| Premises and equipment expense | $218,000 | 2,657 |
| Additional noninterest expense | $499,000 | 2,440 |
| Pre-tax net operating income | $301,000 | 4,987 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $97,000 | 3,813 |
| Income before extraordinary items | $204,000 | 5,370 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $204,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $405,000 | 411 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $117,000 | 254 |
| Net operating income | $204,000 | 5,338 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,326,000 | 3,307 |
| Total interest expense | $1,532,000 | 4,455 |
| Net interest income | $6,794,000 | 2,971 |
| Provision for loan and lease losses | $495,000 | 1,977 |
| Total noninterest income | $1,182,000 | 3,162 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $138,000 | 5,947 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,044,000 | 2,084 |
| Total noninterest expense | $5,974,000 | 2,664 |
| Salaries and employee benefits | $3,460,000 | 2,516 |
| Premises and equipment expense | $772,000 | 2,876 |
| Additional noninterest expense | $1,742,000 | 2,740 |
| Pre-tax net operating income | $1,507,000 | 4,240 |
| Securities gains (losses) | $-4,000 | 8,021 |
| Applicable income taxes | $485,000 | 3,405 |
| Income before extraordinary items | $1,018,000 | 4,646 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,018,000 | 4,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,577 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $8,195,000 | 146 |
| Net operating income | $1,020,720 | 4,576 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,905,000 | 3,429 |
| Total interest expense | $1,020,000 | 4,734 |
| Net interest income | $4,885,000 | 3,064 |
| Provision for loan and lease losses | $301,000 | 2,255 |
| Total noninterest income | $881,000 | 3,186 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $103,000 | 6,004 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $778,000 | 2,112 |
| Total noninterest expense | $4,391,000 | 2,681 |
| Salaries and employee benefits | $2,555,000 | 2,528 |
| Premises and equipment expense | $577,000 | 2,893 |
| Additional noninterest expense | $1,259,000 | 2,801 |
| Pre-tax net operating income | $1,074,000 | 4,437 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $344,000 | 3,546 |
| Income before extraordinary items | $726,000 | 4,863 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $726,000 | 4,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,534 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $8,144,000 | 109 |
| Net operating income | $728,720 | 4,771 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,646,000 | 3,660 |
| Total interest expense | $653,000 | 4,858 |
| Net interest income | $2,993,000 | 3,278 |
| Provision for loan and lease losses | $132,000 | 2,955 |
| Total noninterest income | $597,000 | 3,183 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $60,000 | 6,233 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $537,000 | 2,081 |
| Total noninterest expense | $2,850,000 | 2,749 |
| Salaries and employee benefits | $1,640,000 | 2,615 |
| Premises and equipment expense | $378,000 | 2,929 |
| Additional noninterest expense | $832,000 | 2,833 |
| Pre-tax net operating income | $608,000 | 4,799 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $194,000 | 3,842 |
| Income before extraordinary items | $414,000 | 5,235 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $414,000 | 5,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,602 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $8,144,000 | 72 |
| Net operating income | $414,000 | 5,149 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,767,000 | 3,761 |
| Total interest expense | $331,000 | 4,873 |
| Net interest income | $1,436,000 | 3,377 |
| Provision for loan and lease losses | $42,000 | 3,681 |
| Total noninterest income | $305,000 | 3,070 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $27,000 | 6,373 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $278,000 | 1,980 |
| Total noninterest expense | $1,346,000 | 2,899 |
| Salaries and employee benefits | $757,000 | 2,826 |
| Premises and equipment expense | $190,000 | 2,947 |
| Additional noninterest expense | $399,000 | 2,925 |
| Pre-tax net operating income | $353,000 | 4,415 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $114,000 | 3,563 |
| Income before extraordinary items | $239,000 | 4,868 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $239,000 | 4,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,733 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $324,000 | 178 |
| Net operating income | $239,000 | 4,747 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,939,000 | 4,342 |
| Total interest expense | $1,365,000 | 5,172 |
| Net interest income | $4,574,000 | 3,954 |
| Provision for loan and lease losses | $263,000 | 3,456 |
| Total noninterest income | $728,000 | 4,447 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $100,000 | 6,554 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $628,000 | 3,163 |
| Total noninterest expense | $4,198,000 | 3,563 |
| Salaries and employee benefits | $2,282,000 | 3,527 |
| Premises and equipment expense | $646,000 | 3,311 |
| Additional noninterest expense | $1,270,000 | 3,567 |
| Pre-tax net operating income | $841,000 | 5,569 |
| Securities gains (losses) | $102,000 | 1,881 |
| Applicable income taxes | $318,000 | 4,200 |
| Income before extraordinary items | $625,000 | 5,864 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $625,000 | 5,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,437 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 672 |
| Net operating income | $557,680 | 5,953 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,309,000 | 4,478 |
| Total interest expense | $1,018,000 | 5,327 |
| Net interest income | $3,291,000 | 4,096 |
| Provision for loan and lease losses | $165,000 | 3,731 |
| Total noninterest income | $591,000 | 4,309 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $69,000 | 6,736 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $522,000 | 3,058 |
| Total noninterest expense | $3,114,000 | 3,591 |
| Salaries and employee benefits | $1,688,000 | 3,538 |
| Premises and equipment expense | $469,000 | 3,399 |
| Additional noninterest expense | $957,000 | 3,527 |
| Pre-tax net operating income | $603,000 | 5,865 |
| Securities gains (losses) | $51,000 | 2,293 |
| Applicable income taxes | $219,000 | 4,507 |
| Income before extraordinary items | $435,000 | 6,164 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $435,000 | 6,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,634 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 561 |
| Net operating income | $400,830 | 6,174 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,866,000 | 4,526 |
| Total interest expense | $686,000 | 5,412 |
| Net interest income | $2,180,000 | 4,119 |
| Provision for loan and lease losses | $145,000 | 3,188 |
| Total noninterest income | $372,000 | 4,421 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $44,000 | 6,806 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $328,000 | 3,131 |
| Total noninterest expense | $1,911,000 | 3,824 |
| Salaries and employee benefits | $1,074,000 | 3,684 |
| Premises and equipment expense | $266,000 | 3,846 |
| Additional noninterest expense | $571,000 | 3,852 |
| Pre-tax net operating income | $496,000 | 5,327 |
| Securities gains (losses) | $48,000 | 2,051 |
| Applicable income taxes | $181,000 | 4,161 |
| Income before extraordinary items | $363,000 | 5,645 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $363,000 | 5,643 |
| 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 | $50,000 | 431 |
| Net operating income | $330,840 | 5,654 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 4,577 |
| Total interest expense | $349,000 | 5,458 |
| Net interest income | $1,068,000 | 4,196 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $179,000 | 4,428 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $160,000 | 3,096 |
| Total noninterest expense | $906,000 | 3,972 |
| Salaries and employee benefits | $525,000 | 3,761 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $261,000 | 4,074 |
| Pre-tax net operating income | $251,000 | 5,270 |
| Securities gains (losses) | $17,000 | 1,982 |
| Applicable income taxes | $91,000 | 4,120 |
| Income before extraordinary items | $177,000 | 5,641 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $177,000 | 5,640 |
| 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 | $165,780 | 5,595 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,132,000 | 5,092 |
| Total interest expense | $1,570,000 | 5,583 |
| Net interest income | $3,562,000 | 4,708 |
| Provision for loan and lease losses | $276,000 | 3,633 |
| Total noninterest income | $515,000 | 5,129 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $86,000 | 6,823 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $429,000 | 3,569 |
| Total noninterest expense | $3,150,000 | 4,303 |
| Salaries and employee benefits | $1,723,000 | 4,229 |
| Premises and equipment expense | $468,000 | 4,140 |
| Additional noninterest expense | $959,000 | 4,318 |
| Pre-tax net operating income | $651,000 | 6,247 |
| Securities gains (losses) | $64,000 | 2,184 |
| Applicable income taxes | $234,000 | 4,866 |
| Income before extraordinary items | $481,000 | 6,488 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $481,000 | 6,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,433 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $3,299,000 | 218 |
| Net operating income | $438,120 | 6,534 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,565,000 | 5,920 |
| Total interest expense | $1,874,000 | 6,302 |
| Net interest income | $2,691,000 | 5,474 |
| Provision for loan and lease losses | $190,000 | 4,243 |
| Total noninterest income | $184,000 | 7,475 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $66,000 | 7,268 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $118,000 | 6,034 |
| Total noninterest expense | $2,376,000 | 5,134 |
| Salaries and employee benefits | $1,209,000 | 5,299 |
| Premises and equipment expense | $439,000 | 4,310 |
| Additional noninterest expense | $728,000 | 5,133 |
| Pre-tax net operating income | $309,000 | 7,369 |
| Securities gains (losses) | $37,000 | 2,648 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $346,000 | 6,849 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $346,000 | 6,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 765 |
| Net operating income | $309,000 | 6,962 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,959,000 | 6,527 |
| Total interest expense | $1,660,000 | 6,839 |
| Net interest income | $2,299,000 | 6,112 |
| Provision for loan and lease losses | $91,000 | 5,498 |
| Total noninterest income | $48,000 | 9,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 8,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,087 |
| Total noninterest expense | $1,830,000 | 5,999 |
| Salaries and employee benefits | $940,000 | 6,163 |
| Premises and equipment expense | $305,000 | 5,371 |
| Additional noninterest expense | $585,000 | 5,885 |
| Pre-tax net operating income | $426,000 | 7,333 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $426,000 | 6,699 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $426,000 | 6,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 832 |
| Net operating income | $426,000 | 6,712 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,224,000 | 8,223 |
| Total interest expense | $964,000 | 8,269 |
| Net interest income | $1,260,000 | 8,078 |
| Provision for loan and lease losses | $291,000 | 2,746 |
| Total noninterest income | $51,000 | 9,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,510 |
| Total noninterest expense | $1,285,000 | 7,341 |
| Salaries and employee benefits | $621,000 | 7,636 |
| Premises and equipment expense | $192,000 | 6,941 |
| Additional noninterest expense | $472,000 | 6,732 |
| Pre-tax net operating income | $-265,000 | 9,685 |
| Securities gains (losses) | $-5,000 | 9,083 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-270,000 | 9,737 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-270,000 | 9,736 |
| 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 | $-265,000 | 9,715 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $536,000 | 10,204 |
| Total interest expense | $128,000 | 10,271 |
| Net interest income | $408,000 | 10,070 |
| Provision for loan and lease losses | $73,000 | 5,785 |
| Total noninterest income | $4,000 | 10,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,282 |
| Total noninterest expense | $879,000 | 8,498 |
| Salaries and employee benefits | $385,000 | 9,061 |
| Premises and equipment expense | $115,000 | 8,378 |
| Additional noninterest expense | $379,000 | 7,394 |
| Pre-tax net operating income | $-540,000 | 10,206 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-540,000 | 10,245 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-540,000 | 10,243 |
| 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 | $8,796,000 | 119 |
| Net operating income | $-540,000 | 10,219 |
* 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.