Home > Riverside Bank of the Gulf Coast > Income and Expense
Riverside Bank of the Gulf Coast, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $26,302,000 | 1,481 |
| Total interest expense | $18,112,000 | 884 |
| Net interest income | $8,190,000 | 2,648 |
| Provision for loan and lease losses | $43,199,000 | 211 |
| Total noninterest income | $3,781,000 | 1,319 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,338,000 | 515 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $443,000 | 3,408 |
| Total noninterest expense | $18,328,000 | 1,077 |
| Salaries and employee benefits | $8,286,000 | 1,206 |
| Premises and equipment expense | $2,761,000 | 1,003 |
| Additional noninterest expense | $7,281,000 | 889 |
| Pre-tax net operating income | $-49,556,000 | 8,197 |
| Securities gains (losses) | $313,000 | 531 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-49,243,000 | 8,187 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-49,243,000 | 8,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,126,000 | 181 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-49,556,000 | 8,198 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,701,000 | 1,436 |
| Total interest expense | $13,871,000 | 898 |
| Net interest income | $6,830,000 | 2,424 |
| Provision for loan and lease losses | $23,926,000 | 218 |
| Total noninterest income | $3,044,000 | 1,297 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,564,000 | 511 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $480,000 | 2,884 |
| Total noninterest expense | $14,392,000 | 1,027 |
| Salaries and employee benefits | $6,643,000 | 1,137 |
| Premises and equipment expense | $2,209,000 | 937 |
| Additional noninterest expense | $5,540,000 | 839 |
| Pre-tax net operating income | $-28,444,000 | 8,307 |
| Securities gains (losses) | $475,000 | 334 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-27,969,000 | 8,299 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-27,969,000 | 8,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,149,000 | 262 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-28,444,000 | 8,312 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,152,000 | 1,424 |
| Total interest expense | $9,295,000 | 924 |
| Net interest income | $4,857,000 | 2,271 |
| Provision for loan and lease losses | $16,590,000 | 187 |
| Total noninterest income | $2,018,000 | 1,320 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,727,000 | 491 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $291,000 | 3,081 |
| Total noninterest expense | $9,462,000 | 1,037 |
| Salaries and employee benefits | $5,000,000 | 1,027 |
| Premises and equipment expense | $1,512,000 | 906 |
| Additional noninterest expense | $2,950,000 | 1,013 |
| Pre-tax net operating income | $-19,177,000 | 8,393 |
| Securities gains (losses) | $23,000 | 1,954 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-19,154,000 | 8,392 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-19,154,000 | 8,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,024,000 | 237 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-19,177,000 | 8,389 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,765,000 | 1,317 |
| Total interest expense | $4,605,000 | 1,008 |
| Net interest income | $3,160,000 | 1,768 |
| Provision for loan and lease losses | $7,300,000 | 184 |
| Total noninterest income | $1,017,000 | 1,319 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $883,000 | 472 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $134,000 | 3,238 |
| Total noninterest expense | $4,487,000 | 1,082 |
| Salaries and employee benefits | $2,370,000 | 1,095 |
| Premises and equipment expense | $746,000 | 929 |
| Additional noninterest expense | $1,371,000 | 1,058 |
| Pre-tax net operating income | $-7,610,000 | 8,444 |
| Securities gains (losses) | $23,000 | 1,519 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-7,587,000 | 8,444 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-7,587,000 | 8,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,095 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-7,610,000 | 8,441 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $39,464,000 | 1,068 |
| Total interest expense | $20,895,000 | 949 |
| Net interest income | $18,569,000 | 1,201 |
| Provision for loan and lease losses | $4,300,000 | 471 |
| Total noninterest income | $5,701,000 | 992 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,999,000 | 436 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,702,000 | 1,526 |
| Total noninterest expense | $20,085,000 | 937 |
| Salaries and employee benefits | $11,111,000 | 892 |
| Premises and equipment expense | $2,662,000 | 974 |
| Additional noninterest expense | $6,312,000 | 893 |
| Pre-tax net operating income | $-115,000 | 7,570 |
| Securities gains (losses) | $58,000 | 746 |
| Applicable income taxes | $18,000 | 5,466 |
| Income before extraordinary items | $-75,000 | 7,605 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-75,000 | 7,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,054,000 | 985 |
| Cash dividends | $1,550,000 | 1,953 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-133,000 | 7,635 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $30,332,000 | 1,045 |
| Total interest expense | $15,578,000 | 953 |
| Net interest income | $14,754,000 | 1,127 |
| Provision for loan and lease losses | $3,800,000 | 316 |
| Total noninterest income | $4,479,000 | 945 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,009,000 | 425 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,470,000 | 1,397 |
| Total noninterest expense | $15,087,000 | 922 |
| Salaries and employee benefits | $8,478,000 | 877 |
| Premises and equipment expense | $1,914,000 | 1,023 |
| Additional noninterest expense | $4,695,000 | 875 |
| Pre-tax net operating income | $346,000 | 6,380 |
| Securities gains (losses) | $59,000 | 597 |
| Applicable income taxes | $5,000 | 5,890 |
| Income before extraordinary items | $400,000 | 5,834 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $400,000 | 5,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $984,000 | 666 |
| Cash dividends | $1,325,000 | 1,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $341,590 | 6,081 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $20,399,000 | 1,052 |
| Total interest expense | $9,981,000 | 1,004 |
| Net interest income | $10,418,000 | 1,085 |
| Provision for loan and lease losses | $600,000 | 869 |
| Total noninterest income | $3,236,000 | 915 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,033,000 | 428 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,203,000 | 1,224 |
| Total noninterest expense | $10,107,000 | 935 |
| Salaries and employee benefits | $5,729,000 | 889 |
| Premises and equipment expense | $1,277,000 | 1,024 |
| Additional noninterest expense | $3,101,000 | 900 |
| Pre-tax net operating income | $2,947,000 | 1,571 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-9,000 | 8,140 |
| Income before extraordinary items | $2,956,000 | 1,214 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,956,000 | 1,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,053 |
| Cash dividends | $1,125,000 | 1,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,956,000 | 1,192 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,156,000 | 1,053 |
| Total interest expense | $4,869,000 | 1,015 |
| Net interest income | $5,287,000 | 1,056 |
| Provision for loan and lease losses | $450,000 | 568 |
| Total noninterest income | $1,679,000 | 867 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,001,000 | 421 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $678,000 | 1,099 |
| Total noninterest expense | $5,179,000 | 896 |
| Salaries and employee benefits | $2,900,000 | 881 |
| Premises and equipment expense | $652,000 | 1,011 |
| Additional noninterest expense | $1,627,000 | 843 |
| Pre-tax net operating income | $1,337,000 | 1,705 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $20,000 | 4,933 |
| Income before extraordinary items | $1,317,000 | 1,329 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,317,000 | 1,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 911 |
| Cash dividends | $325,000 | 1,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,317,000 | 1,323 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $39,406,000 | 996 |
| Total interest expense | $17,002,000 | 983 |
| Net interest income | $22,404,000 | 990 |
| Provision for loan and lease losses | $863,000 | 1,200 |
| Total noninterest income | $5,667,000 | 992 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,119,000 | 414 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,548,000 | 1,631 |
| Total noninterest expense | $18,482,000 | 969 |
| Salaries and employee benefits | $10,159,000 | 948 |
| Premises and equipment expense | $2,524,000 | 992 |
| Additional noninterest expense | $5,799,000 | 919 |
| Pre-tax net operating income | $8,726,000 | 1,130 |
| Securities gains (losses) | $42,000 | 720 |
| Applicable income taxes | $85,000 | 5,103 |
| Income before extraordinary items | $8,683,000 | 864 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,683,000 | 863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,420 |
| Cash dividends | $3,164,000 | 1,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $8,641,420 | 854 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $28,999,000 | 1,017 |
| Total interest expense | $12,228,000 | 1,000 |
| Net interest income | $16,771,000 | 1,013 |
| Provision for loan and lease losses | $863,000 | 882 |
| Total noninterest income | $4,250,000 | 1,002 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $3,090,000 | 419 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,160,000 | 1,631 |
| Total noninterest expense | $13,447,000 | 1,009 |
| Salaries and employee benefits | $7,425,000 | 983 |
| Premises and equipment expense | $1,838,000 | 1,037 |
| Additional noninterest expense | $4,184,000 | 954 |
| Pre-tax net operating income | $6,711,000 | 1,141 |
| Securities gains (losses) | $39,000 | 605 |
| Applicable income taxes | $65,000 | 5,264 |
| Income before extraordinary items | $6,685,000 | 872 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,685,000 | 871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,635 |
| Cash dividends | $2,144,000 | 1,094 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $6,646,390 | 869 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $18,795,000 | 1,022 |
| Total interest expense | $7,517,000 | 1,015 |
| Net interest income | $11,278,000 | 1,004 |
| Provision for loan and lease losses | $728,000 | 696 |
| Total noninterest income | $2,724,000 | 1,033 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,048,000 | 418 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $676,000 | 1,806 |
| Total noninterest expense | $8,862,000 | 1,021 |
| Salaries and employee benefits | $4,941,000 | 993 |
| Premises and equipment expense | $1,326,000 | 952 |
| Additional noninterest expense | $2,595,000 | 1,036 |
| Pre-tax net operating income | $4,412,000 | 1,152 |
| Securities gains (losses) | $36,000 | 503 |
| Applicable income taxes | $44,000 | 5,326 |
| Income before extraordinary items | $4,404,000 | 888 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,404,000 | 889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,649 |
| Cash dividends | $1,168,000 | 1,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,368,360 | 876 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,981,000 | 1,037 |
| Total interest expense | $3,449,000 | 1,053 |
| Net interest income | $5,532,000 | 1,024 |
| Provision for loan and lease losses | $398,000 | 614 |
| Total noninterest income | $1,250,000 | 1,078 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $987,000 | 416 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $263,000 | 2,134 |
| Total noninterest expense | $4,375,000 | 1,032 |
| Salaries and employee benefits | $2,449,000 | 1,002 |
| Premises and equipment expense | $605,000 | 1,055 |
| Additional noninterest expense | $1,321,000 | 1,011 |
| Pre-tax net operating income | $2,009,000 | 1,226 |
| Securities gains (losses) | $36,000 | 390 |
| Applicable income taxes | $24,000 | 5,226 |
| Income before extraordinary items | $2,021,000 | 942 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,021,000 | 941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 1,591 |
| Cash dividends | $780,000 | 934 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,985,360 | 939 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,969,000 | 1,284 |
| Total interest expense | $7,644,000 | 1,489 |
| Net interest income | $18,325,000 | 1,170 |
| Provision for loan and lease losses | $1,337,000 | 793 |
| Total noninterest income | $5,191,000 | 1,062 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,422,000 | 503 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,769,000 | 1,477 |
| Total noninterest expense | $15,735,000 | 1,085 |
| Salaries and employee benefits | $9,163,000 | 1,004 |
| Premises and equipment expense | $2,287,000 | 1,049 |
| Additional noninterest expense | $4,285,000 | 1,207 |
| Pre-tax net operating income | $6,444,000 | 1,485 |
| Securities gains (losses) | $462,000 | 296 |
| Applicable income taxes | $901,000 | 2,408 |
| Income before extraordinary items | $6,005,000 | 1,201 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,005,000 | 1,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,585 |
| Cash dividends | $2,172,000 | 1,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,603,060 | 1,256 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,178,000 | 1,339 |
| Total interest expense | $5,070,000 | 1,588 |
| Net interest income | $13,108,000 | 1,233 |
| Provision for loan and lease losses | $973,000 | 783 |
| Total noninterest income | $3,837,000 | 1,074 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,437,000 | 521 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,400,000 | 1,424 |
| Total noninterest expense | $11,407,000 | 1,112 |
| Salaries and employee benefits | $6,603,000 | 1,037 |
| Premises and equipment expense | $1,556,000 | 1,168 |
| Additional noninterest expense | $3,248,000 | 1,168 |
| Pre-tax net operating income | $4,565,000 | 1,570 |
| Securities gains (losses) | $462,000 | 274 |
| Applicable income taxes | $784,000 | 2,229 |
| Income before extraordinary items | $4,243,000 | 1,281 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,243,000 | 1,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,609 |
| Cash dividends | $1,622,000 | 1,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,854,920 | 1,369 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,988,000 | 1,434 |
| Total interest expense | $2,949,000 | 1,711 |
| Net interest income | $8,039,000 | 1,336 |
| Provision for loan and lease losses | $678,000 | 744 |
| Total noninterest income | $2,361,000 | 1,122 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,477,000 | 561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $884,000 | 1,467 |
| Total noninterest expense | $7,487,000 | 1,122 |
| Salaries and employee benefits | $4,295,000 | 1,061 |
| Premises and equipment expense | $1,014,000 | 1,187 |
| Additional noninterest expense | $2,178,000 | 1,143 |
| Pre-tax net operating income | $2,235,000 | 1,999 |
| Securities gains (losses) | $405,000 | 254 |
| Applicable income taxes | $693,000 | 1,797 |
| Income before extraordinary items | $1,947,000 | 1,757 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,947,000 | 1,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,314 |
| Cash dividends | $871,000 | 1,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,647,300 | 2,014 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 1,593 |
| Total interest expense | $1,278,000 | 1,853 |
| Net interest income | $3,660,000 | 1,440 |
| Provision for loan and lease losses | $341,000 | 686 |
| Total noninterest income | $1,150,000 | 1,124 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $637,000 | 629 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $513,000 | 1,320 |
| Total noninterest expense | $3,667,000 | 1,139 |
| Salaries and employee benefits | $2,048,000 | 1,113 |
| Premises and equipment expense | $475,000 | 1,265 |
| Additional noninterest expense | $1,144,000 | 1,081 |
| Pre-tax net operating income | $802,000 | 2,566 |
| Securities gains (losses) | $405,000 | 164 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,207,000 | 1,406 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,207,000 | 1,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $483,000 | 1,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $802,000 | 2,038 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,485,000 | 1,736 |
| Total interest expense | $4,195,000 | 1,944 |
| Net interest income | $12,290,000 | 1,656 |
| Provision for loan and lease losses | $887,000 | 1,172 |
| Total noninterest income | $4,560,000 | 1,156 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,666,000 | 660 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,894,000 | 1,379 |
| Total noninterest expense | $11,867,000 | 1,382 |
| Salaries and employee benefits | $6,693,000 | 1,309 |
| Premises and equipment expense | $1,476,000 | 1,577 |
| Additional noninterest expense | $3,698,000 | 1,351 |
| Pre-tax net operating income | $4,096,000 | 2,025 |
| Securities gains (losses) | $235,000 | 752 |
| Applicable income taxes | $1,429,000 | 1,662 |
| Income before extraordinary items | $2,902,000 | 2,140 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,902,000 | 2,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $373,000 | 1,685 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $6,646,000 | 179 |
| Net operating income | $2,744,550 | 2,188 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,803,000 | 1,798 |
| Total interest expense | $3,004,000 | 1,995 |
| Net interest income | $8,799,000 | 1,713 |
| Provision for loan and lease losses | $732,000 | 1,037 |
| Total noninterest income | $3,560,000 | 1,135 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,990,000 | 673 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,570,000 | 1,287 |
| Total noninterest expense | $8,546,000 | 1,424 |
| Salaries and employee benefits | $4,949,000 | 1,329 |
| Premises and equipment expense | $946,000 | 1,835 |
| Additional noninterest expense | $2,651,000 | 1,391 |
| Pre-tax net operating income | $3,081,000 | 2,028 |
| Securities gains (losses) | $235,000 | 700 |
| Applicable income taxes | $1,119,000 | 1,625 |
| Income before extraordinary items | $2,197,000 | 2,130 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,197,000 | 2,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 1,924 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $4,675,000 | 170 |
| Net operating income | $2,041,900 | 2,221 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,488,000 | 1,866 |
| Total interest expense | $1,934,000 | 2,041 |
| Net interest income | $5,554,000 | 1,792 |
| Provision for loan and lease losses | $545,000 | 915 |
| Total noninterest income | $2,506,000 | 1,080 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,354,000 | 644 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,152,000 | 1,198 |
| Total noninterest expense | $5,564,000 | 1,455 |
| Salaries and employee benefits | $3,297,000 | 1,325 |
| Premises and equipment expense | $596,000 | 1,919 |
| Additional noninterest expense | $1,671,000 | 1,445 |
| Pre-tax net operating income | $1,951,000 | 2,086 |
| Securities gains (losses) | $136,000 | 846 |
| Applicable income taxes | $728,000 | 1,651 |
| Income before extraordinary items | $1,359,000 | 2,255 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,359,000 | 2,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 1,447 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $4,675,000 | 114 |
| Net operating income | $1,270,600 | 2,334 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,643,000 | 1,926 |
| Total interest expense | $960,000 | 2,083 |
| Net interest income | $2,683,000 | 1,860 |
| Provision for loan and lease losses | $300,000 | 782 |
| Total noninterest income | $1,239,000 | 1,060 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $660,000 | 650 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $579,000 | 1,179 |
| Total noninterest expense | $2,720,000 | 1,499 |
| Salaries and employee benefits | $1,668,000 | 1,317 |
| Premises and equipment expense | $284,000 | 2,038 |
| Additional noninterest expense | $768,000 | 1,555 |
| Pre-tax net operating income | $902,000 | 2,191 |
| Securities gains (losses) | $136,000 | 662 |
| Applicable income taxes | $373,000 | 1,658 |
| Income before extraordinary items | $665,000 | 2,279 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $665,000 | 2,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 874 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $577,960 | 2,504 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,544,000 | 2,104 |
| Total interest expense | $3,385,000 | 2,577 |
| Net interest income | $10,159,000 | 1,917 |
| Provision for loan and lease losses | $738,000 | 1,563 |
| Total noninterest income | $4,526,000 | 1,215 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,560,000 | 674 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,966,000 | 1,493 |
| Total noninterest expense | $9,466,000 | 1,694 |
| Salaries and employee benefits | $5,969,000 | 1,433 |
| Premises and equipment expense | $1,751,000 | 1,308 |
| Additional noninterest expense | $1,746,000 | 2,698 |
| Pre-tax net operating income | $4,481,000 | 1,793 |
| Securities gains (losses) | $36,000 | 2,779 |
| Applicable income taxes | $1,674,000 | 1,474 |
| Income before extraordinary items | $2,843,000 | 2,137 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,843,000 | 2,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,667 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 273 |
| Net operating income | $2,819,960 | 2,059 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,523,000 | 2,299 |
| Total interest expense | $2,441,000 | 2,741 |
| Net interest income | $7,082,000 | 2,082 |
| Provision for loan and lease losses | $573,000 | 1,476 |
| Total noninterest income | $3,626,000 | 1,179 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,865,000 | 700 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,761,000 | 1,359 |
| Total noninterest expense | $6,702,000 | 1,781 |
| Salaries and employee benefits | $3,839,000 | 1,686 |
| Premises and equipment expense | $835,000 | 2,061 |
| Additional noninterest expense | $2,028,000 | 1,783 |
| Pre-tax net operating income | $3,433,000 | 1,820 |
| Securities gains (losses) | $37,000 | 2,545 |
| Applicable income taxes | $1,288,000 | 1,513 |
| Income before extraordinary items | $2,182,000 | 2,155 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,182,000 | 2,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,971 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 184 |
| Net operating income | $2,158,320 | 2,068 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,155,000 | 2,382 |
| Total interest expense | $1,585,000 | 2,898 |
| Net interest income | $4,570,000 | 2,135 |
| Provision for loan and lease losses | $368,000 | 1,513 |
| Total noninterest income | $2,318,000 | 1,218 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,173,000 | 729 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,145,000 | 1,382 |
| Total noninterest expense | $4,200,000 | 1,879 |
| Salaries and employee benefits | $2,426,000 | 1,772 |
| Premises and equipment expense | $506,000 | 2,235 |
| Additional noninterest expense | $1,268,000 | 1,893 |
| Pre-tax net operating income | $2,320,000 | 1,793 |
| Securities gains (losses) | $37,000 | 2,231 |
| Applicable income taxes | $876,000 | 1,506 |
| Income before extraordinary items | $1,481,000 | 2,132 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,481,000 | 2,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,655 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,457,320 | 2,044 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,008,000 | 2,443 |
| Total interest expense | $809,000 | 2,911 |
| Net interest income | $2,199,000 | 2,223 |
| Provision for loan and lease losses | $221,000 | 1,268 |
| Total noninterest income | $1,107,000 | 1,249 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $572,000 | 727 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $535,000 | 1,418 |
| Total noninterest expense | $2,032,000 | 1,923 |
| Salaries and employee benefits | $1,217,000 | 1,753 |
| Premises and equipment expense | $254,000 | 2,222 |
| Additional noninterest expense | $561,000 | 2,101 |
| Pre-tax net operating income | $1,053,000 | 1,947 |
| Securities gains (losses) | $-17,000 | 9,185 |
| Applicable income taxes | $393,000 | 1,648 |
| Income before extraordinary items | $643,000 | 2,374 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $643,000 | 2,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,727 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $653,880 | 2,212 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,291,000 | 2,697 |
| Total interest expense | $3,571,000 | 3,037 |
| Net interest income | $7,720,000 | 2,479 |
| Provision for loan and lease losses | $560,000 | 2,185 |
| Total noninterest income | $3,473,000 | 1,398 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,170,000 | 745 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,303,000 | 1,834 |
| Total noninterest expense | $6,920,000 | 2,169 |
| Salaries and employee benefits | $3,437,000 | 2,318 |
| Premises and equipment expense | $729,000 | 2,897 |
| Additional noninterest expense | $2,754,000 | 1,707 |
| Pre-tax net operating income | $3,713,000 | 2,114 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,404,000 | 1,741 |
| Income before extraordinary items | $2,309,000 | 2,507 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,309,000 | 2,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $338,000 | 2,187 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,309,000 | 2,417 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,532,000 | 3,802 |
| Total interest expense | $3,690,000 | 4,049 |
| Net interest income | $4,842,000 | 3,530 |
| Provision for loan and lease losses | $487,000 | 2,252 |
| Total noninterest income | $1,970,000 | 2,041 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,546,000 | 963 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $424,000 | 3,423 |
| Total noninterest expense | $4,383,000 | 3,154 |
| Salaries and employee benefits | $1,956,000 | 3,657 |
| Premises and equipment expense | $511,000 | 3,798 |
| Additional noninterest expense | $1,916,000 | 2,330 |
| Pre-tax net operating income | $1,942,000 | 3,243 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $380,000 | 3,832 |
| Income before extraordinary items | $1,562,000 | 3,128 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,562,000 | 3,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,500 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,562,000 | 3,034 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,146,000 | 4,503 |
| Total interest expense | $3,730,000 | 4,187 |
| Net interest income | $3,416,000 | 4,692 |
| Provision for loan and lease losses | $282,000 | 2,992 |
| Total noninterest income | $1,088,000 | 2,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $987,000 | 1,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,404 |
| Total noninterest expense | $3,406,000 | 3,802 |
| Salaries and employee benefits | $1,556,000 | 4,230 |
| Premises and equipment expense | $464,000 | 4,026 |
| Additional noninterest expense | $1,386,000 | 3,016 |
| Pre-tax net operating income | $816,000 | 5,812 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $816,000 | 4,990 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $816,000 | 4,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,719 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,075,000 | 434 |
| Net operating income | $816,000 | 4,981 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,482,000 | 5,951 |
| Total interest expense | $2,067,000 | 5,888 |
| Net interest income | $2,415,000 | 5,931 |
| Provision for loan and lease losses | $400,000 | 2,102 |
| Total noninterest income | $719,000 | 3,916 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $642,000 | 2,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 7,232 |
| Total noninterest expense | $2,986,000 | 4,225 |
| Salaries and employee benefits | $1,275,000 | 4,942 |
| Premises and equipment expense | $497,000 | 3,780 |
| Additional noninterest expense | $1,214,000 | 3,394 |
| Pre-tax net operating income | $-252,000 | 9,677 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-247,000 | 9,718 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-247,000 | 9,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,630 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,730,000 | 451 |
| Net operating income | $-252,000 | 9,703 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,999,000 | 8,683 |
| Total interest expense | $1,020,000 | 8,372 |
| Net interest income | $979,000 | 8,845 |
| Provision for loan and lease losses | $233,000 | 3,191 |
| Total noninterest income | $334,000 | 6,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 4,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,276 |
| Total noninterest expense | $2,440,000 | 4,853 |
| Salaries and employee benefits | $1,215,000 | 5,030 |
| Premises and equipment expense | $351,000 | 4,877 |
| Additional noninterest expense | $874,000 | 4,387 |
| Pre-tax net operating income | $-1,360,000 | 10,385 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-1,360,000 | 10,396 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-1,360,000 | 10,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-1,360,000 | 10,381 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,000 | 10,919 |
| Total interest expense | $46,000 | 10,832 |
| Net interest income | $-37,000 | 10,921 |
| Provision for loan and lease losses | $10,000 | 8,395 |
| 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 | $230,000 | 10,798 |
| Salaries and employee benefits | $68,000 | 10,862 |
| Premises and equipment expense | $28,000 | 10,649 |
| Additional noninterest expense | $134,000 | 10,187 |
| Pre-tax net operating income | $-276,000 | 10,619 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-276,000 | 10,657 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-276,000 | 10,657 |
| 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 | $0 | 1,030 |
| Net operating income | $-276,000 | 10,634 |
* 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.