Home > Silver Falls Bank > Income and Expense
Silver Falls Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,070,000 | 3,506 |
| Total interest expense | $4,845,000 | 3,039 |
| Net interest income | $5,225,000 | 3,820 |
| Provision for loan and lease losses | $11,695,000 | 523 |
| Total noninterest income | $465,000 | 5,000 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $161,000 | 5,181 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $304,000 | 4,069 |
| Total noninterest expense | $4,764,000 | 3,709 |
| Salaries and employee benefits | $2,319,000 | 3,989 |
| Premises and equipment expense | $406,000 | 5,044 |
| Additional noninterest expense | $2,039,000 | 2,824 |
| Pre-tax net operating income | $-10,769,000 | 8,005 |
| Securities gains (losses) | $3,000 | 2,883 |
| Applicable income taxes | $-1,609,000 | 7,863 |
| Income before extraordinary items | $-9,157,000 | 7,981 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-9,157,000 | 7,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,514,000 | 636 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 1,150 |
| Net operating income | $-9,159,550 | 8,014 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,277,000 | 3,331 |
| Total interest expense | $3,787,000 | 3,046 |
| Net interest income | $4,490,000 | 3,506 |
| Provision for loan and lease losses | $6,471,000 | 545 |
| Total noninterest income | $277,000 | 5,518 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $124,000 | 5,176 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $153,000 | 4,914 |
| Total noninterest expense | $3,240,000 | 3,983 |
| Salaries and employee benefits | $1,695,000 | 4,092 |
| Premises and equipment expense | $279,000 | 5,295 |
| Additional noninterest expense | $1,266,000 | 3,232 |
| Pre-tax net operating income | $-4,944,000 | 8,127 |
| Securities gains (losses) | $3,000 | 2,756 |
| Applicable income taxes | $-1,934,000 | 8,178 |
| Income before extraordinary items | $-3,007,000 | 8,013 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,007,000 | 8,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,277,000 | 606 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 969 |
| Net operating income | $-3,008,920 | 8,071 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,952,000 | 3,177 |
| Total interest expense | $2,595,000 | 3,080 |
| Net interest income | $3,357,000 | 3,183 |
| Provision for loan and lease losses | $1,571,000 | 921 |
| Total noninterest income | $172,000 | 5,734 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $78,000 | 5,295 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $94,000 | 5,162 |
| Total noninterest expense | $2,011,000 | 4,217 |
| Salaries and employee benefits | $1,059,000 | 4,332 |
| Premises and equipment expense | $185,000 | 5,348 |
| Additional noninterest expense | $767,000 | 3,464 |
| Pre-tax net operating income | $-53,000 | 7,098 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $256,000 | 2,394 |
| Income before extraordinary items | $-309,000 | 7,524 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-309,000 | 7,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $731,000 | 1,031 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 795 |
| Net operating income | $-309,000 | 7,510 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,047,000 | 3,190 |
| Total interest expense | $1,336,000 | 3,177 |
| Net interest income | $1,711,000 | 3,137 |
| Provision for loan and lease losses | $905,000 | 656 |
| Total noninterest income | $85,000 | 5,752 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $38,000 | 5,321 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $47,000 | 5,178 |
| Total noninterest expense | $1,034,000 | 4,144 |
| Salaries and employee benefits | $531,000 | 4,338 |
| Premises and equipment expense | $86,000 | 5,563 |
| Additional noninterest expense | $417,000 | 3,192 |
| Pre-tax net operating income | $-143,000 | 7,652 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $225,000 | 1,816 |
| Income before extraordinary items | $-368,000 | 8,052 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-368,000 | 8,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 1,179 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 686 |
| Net operating income | $-368,000 | 8,029 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,896,000 | 3,307 |
| Total interest expense | $4,799,000 | 3,564 |
| Net interest income | $7,097,000 | 3,067 |
| Provision for loan and lease losses | $755,000 | 1,736 |
| Total noninterest income | $332,000 | 5,845 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $103,000 | 5,984 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $229,000 | 4,786 |
| Total noninterest expense | $3,453,000 | 4,568 |
| Salaries and employee benefits | $1,907,000 | 4,552 |
| Premises and equipment expense | $332,000 | 5,534 |
| Additional noninterest expense | $1,214,000 | 4,040 |
| Pre-tax net operating income | $3,221,000 | 2,336 |
| Securities gains (losses) | $5,000 | 1,575 |
| Applicable income taxes | $1,209,000 | 1,638 |
| Income before extraordinary items | $2,017,000 | 2,798 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,017,000 | 2,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,742 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 940 |
| Net operating income | $2,013,800 | 2,788 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,755,000 | 3,368 |
| Total interest expense | $3,426,000 | 3,699 |
| Net interest income | $5,329,000 | 3,062 |
| Provision for loan and lease losses | $525,000 | 1,503 |
| Total noninterest income | $234,000 | 6,012 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $70,000 | 6,143 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $164,000 | 4,893 |
| Total noninterest expense | $2,485,000 | 4,685 |
| Salaries and employee benefits | $1,405,000 | 4,578 |
| Premises and equipment expense | $241,000 | 5,603 |
| Additional noninterest expense | $839,000 | 4,239 |
| Pre-tax net operating income | $2,553,000 | 2,399 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,004,000 | 1,643 |
| Income before extraordinary items | $1,549,000 | 2,907 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,549,000 | 2,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,809 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 770 |
| Net operating income | $1,549,000 | 2,891 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,685,000 | 3,450 |
| Total interest expense | $2,143,000 | 3,849 |
| Net interest income | $3,542,000 | 3,098 |
| Provision for loan and lease losses | $430,000 | 1,175 |
| Total noninterest income | $157,000 | 6,050 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $42,000 | 6,312 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $115,000 | 4,841 |
| Total noninterest expense | $1,633,000 | 4,745 |
| Salaries and employee benefits | $910,000 | 4,714 |
| Premises and equipment expense | $160,000 | 5,652 |
| Additional noninterest expense | $563,000 | 4,205 |
| Pre-tax net operating income | $1,636,000 | 2,530 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $641,000 | 1,757 |
| Income before extraordinary items | $995,000 | 3,048 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $995,000 | 3,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 654 |
| Net operating income | $995,000 | 3,030 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,652,000 | 3,612 |
| Total interest expense | $1,005,000 | 3,996 |
| Net interest income | $1,647,000 | 3,286 |
| Provision for loan and lease losses | $144,000 | 1,551 |
| Total noninterest income | $66,000 | 6,351 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $17,000 | 6,538 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $49,000 | 5,151 |
| Total noninterest expense | $803,000 | 4,794 |
| Salaries and employee benefits | $452,000 | 4,775 |
| Premises and equipment expense | $84,000 | 5,553 |
| Additional noninterest expense | $267,000 | 4,323 |
| Pre-tax net operating income | $766,000 | 2,633 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $293,000 | 1,879 |
| Income before extraordinary items | $473,000 | 3,155 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $473,000 | 3,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $473,000 | 3,128 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,280,000 | 4,106 |
| Total interest expense | $2,855,000 | 4,445 |
| Net interest income | $5,425,000 | 3,785 |
| Provision for loan and lease losses | $159,000 | 3,970 |
| Total noninterest income | $182,000 | 7,072 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $40,000 | 7,036 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $142,000 | 5,713 |
| Total noninterest expense | $2,814,000 | 5,105 |
| Salaries and employee benefits | $1,639,000 | 4,907 |
| Premises and equipment expense | $263,000 | 6,076 |
| Additional noninterest expense | $912,000 | 4,812 |
| Pre-tax net operating income | $2,634,000 | 3,014 |
| Securities gains (losses) | $3,000 | 1,365 |
| Applicable income taxes | $1,024,000 | 2,160 |
| Income before extraordinary items | $1,613,000 | 3,610 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,613,000 | 3,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 848 |
| Net operating income | $1,611,080 | 3,593 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,915,000 | 4,215 |
| Total interest expense | $1,984,000 | 4,567 |
| Net interest income | $3,931,000 | 3,901 |
| Provision for loan and lease losses | $108,000 | 3,967 |
| Total noninterest income | $73,000 | 7,848 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $27,000 | 7,176 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $46,000 | 7,042 |
| Total noninterest expense | $1,966,000 | 5,319 |
| Salaries and employee benefits | $1,227,000 | 4,895 |
| Premises and equipment expense | $185,000 | 6,275 |
| Additional noninterest expense | $554,000 | 5,470 |
| Pre-tax net operating income | $1,930,000 | 3,195 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $736,000 | 2,322 |
| Income before extraordinary items | $1,194,000 | 3,756 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,194,000 | 3,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 728 |
| Net operating income | $1,194,000 | 3,734 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,723,000 | 4,324 |
| Total interest expense | $1,248,000 | 4,599 |
| Net interest income | $2,475,000 | 4,077 |
| Provision for loan and lease losses | $41,000 | 4,698 |
| Total noninterest income | $46,000 | 7,943 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $17,000 | 7,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $29,000 | 7,165 |
| Total noninterest expense | $1,279,000 | 5,401 |
| Salaries and employee benefits | $809,000 | 4,954 |
| Premises and equipment expense | $108,000 | 6,597 |
| Additional noninterest expense | $362,000 | 5,511 |
| Pre-tax net operating income | $1,201,000 | 3,356 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $455,000 | 2,437 |
| Income before extraordinary items | $746,000 | 3,903 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $746,000 | 3,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 723 |
| Net operating income | $746,000 | 3,889 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,782,000 | 4,407 |
| Total interest expense | $593,000 | 4,611 |
| Net interest income | $1,189,000 | 4,195 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $23,000 | 7,933 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $9,000 | 7,226 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,173 |
| Total noninterest expense | $635,000 | 5,433 |
| Salaries and employee benefits | $418,000 | 4,871 |
| Premises and equipment expense | $46,000 | 6,927 |
| Additional noninterest expense | $171,000 | 5,666 |
| Pre-tax net operating income | $542,000 | 3,560 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $204,000 | 2,576 |
| Income before extraordinary items | $338,000 | 4,104 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $338,000 | 4,104 |
| 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 | $0 | 648 |
| Net operating income | $338,000 | 4,086 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,900,000 | 4,641 |
| Total interest expense | $1,592,000 | 5,087 |
| Net interest income | $4,308,000 | 4,404 |
| Provision for loan and lease losses | $347,000 | 2,542 |
| Total noninterest income | $118,000 | 7,773 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $50,000 | 7,086 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $68,000 | 6,995 |
| Total noninterest expense | $2,448,000 | 5,437 |
| Salaries and employee benefits | $1,595,000 | 4,852 |
| Premises and equipment expense | $229,000 | 6,431 |
| Additional noninterest expense | $624,000 | 5,936 |
| Pre-tax net operating income | $1,631,000 | 4,187 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $593,000 | 3,091 |
| Income before extraordinary items | $1,040,000 | 4,724 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,040,000 | 4,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,476 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,038,720 | 4,704 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,240,000 | 4,738 |
| Total interest expense | $1,046,000 | 5,314 |
| Net interest income | $3,194,000 | 4,446 |
| Provision for loan and lease losses | $312,000 | 2,141 |
| Total noninterest income | $110,000 | 7,548 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 7,121 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $72,000 | 6,477 |
| Total noninterest expense | $1,838,000 | 5,411 |
| Salaries and employee benefits | $1,219,000 | 4,777 |
| Premises and equipment expense | $155,000 | 6,631 |
| Additional noninterest expense | $464,000 | 5,927 |
| Pre-tax net operating income | $1,154,000 | 4,409 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $430,000 | 3,206 |
| Income before extraordinary items | $726,000 | 4,990 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $726,000 | 4,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,700 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $724,720 | 4,952 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,534,000 | 5,020 |
| Total interest expense | $601,000 | 5,560 |
| Net interest income | $1,933,000 | 4,725 |
| Provision for loan and lease losses | $161,000 | 2,517 |
| Total noninterest income | $76,000 | 7,485 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $26,000 | 7,089 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $50,000 | 6,409 |
| Total noninterest expense | $1,164,000 | 5,567 |
| Salaries and employee benefits | $788,000 | 4,861 |
| Premises and equipment expense | $94,000 | 6,825 |
| Additional noninterest expense | $282,000 | 6,184 |
| Pre-tax net operating income | $684,000 | 4,681 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $247,000 | 3,436 |
| Income before extraordinary items | $437,000 | 5,227 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $437,000 | 5,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,903 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $437,000 | 5,180 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 5,383 |
| Total interest expense | $259,000 | 5,873 |
| Net interest income | $861,000 | 5,099 |
| Provision for loan and lease losses | $57,000 | 3,030 |
| Total noninterest income | $39,000 | 7,451 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $13,000 | 7,104 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,409 |
| Total noninterest expense | $520,000 | 5,970 |
| Salaries and employee benefits | $347,000 | 5,324 |
| Premises and equipment expense | $40,000 | 7,221 |
| Additional noninterest expense | $133,000 | 6,382 |
| Pre-tax net operating income | $323,000 | 4,806 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $119,000 | 3,485 |
| 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 | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $204,000 | 5,338 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,695,000 | 5,816 |
| Total interest expense | $875,000 | 6,018 |
| Net interest income | $2,820,000 | 5,617 |
| Provision for loan and lease losses | $63,000 | 5,615 |
| Total noninterest income | $87,000 | 8,230 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $34,000 | 7,505 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $53,000 | 7,335 |
| Total noninterest expense | $1,514,000 | 6,862 |
| Salaries and employee benefits | $894,000 | 6,628 |
| Premises and equipment expense | $126,000 | 7,636 |
| Additional noninterest expense | $494,000 | 6,573 |
| Pre-tax net operating income | $1,330,000 | 4,543 |
| Securities gains (losses) | $4,000 | 3,277 |
| Applicable income taxes | $502,000 | 3,346 |
| Income before extraordinary items | $832,000 | 5,171 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $832,000 | 5,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 862 |
| Net operating income | $829,440 | 5,109 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,606,000 | 5,997 |
| Total interest expense | $657,000 | 6,007 |
| Net interest income | $1,949,000 | 5,880 |
| Provision for loan and lease losses | $19,000 | 6,392 |
| Total noninterest income | $65,000 | 8,285 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $21,000 | 7,621 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $44,000 | 7,229 |
| Total noninterest expense | $1,035,000 | 7,073 |
| Salaries and employee benefits | $587,000 | 6,958 |
| Premises and equipment expense | $82,000 | 7,847 |
| Additional noninterest expense | $366,000 | 6,592 |
| Pre-tax net operating income | $960,000 | 4,697 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $363,000 | 3,463 |
| Income before extraordinary items | $597,000 | 5,378 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $597,000 | 5,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 729 |
| Net operating income | $597,000 | 5,288 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,691,000 | 6,085 |
| Total interest expense | $440,000 | 6,012 |
| Net interest income | $1,251,000 | 6,025 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $40,000 | 8,398 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $14,000 | 7,676 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $666,000 | 7,225 |
| Salaries and employee benefits | $372,000 | 7,138 |
| Premises and equipment expense | $52,000 | 7,942 |
| Additional noninterest expense | $242,000 | 6,633 |
| Pre-tax net operating income | $610,000 | 4,786 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $231,000 | 3,521 |
| Income before extraordinary items | $379,000 | 5,464 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 630 |
| Net operating income | $379,000 | 5,365 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $852,000 | 6,084 |
| Total interest expense | $224,000 | 6,024 |
| Net interest income | $628,000 | 5,993 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $18,000 | 8,495 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $11,000 | 7,645 |
| Total noninterest expense | $316,000 | 7,382 |
| Salaries and employee benefits | $190,000 | 7,115 |
| Premises and equipment expense | $22,000 | 8,152 |
| Additional noninterest expense | $104,000 | 7,045 |
| Pre-tax net operating income | $320,000 | 4,669 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $125,000 | 3,416 |
| Income before extraordinary items | $195,000 | 5,409 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $195,000 | 5,408 |
| 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 | $1,000 | 452 |
| Net operating income | $195,000 | 5,280 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,632,000 | 5,939 |
| Total interest expense | $897,000 | 6,422 |
| Net interest income | $2,735,000 | 5,605 |
| Provision for loan and lease losses | $176,000 | 4,306 |
| Total noninterest income | $76,000 | 8,549 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $28,000 | 7,743 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $48,000 | 7,613 |
| Total noninterest expense | $1,241,000 | 7,390 |
| Salaries and employee benefits | $682,000 | 7,378 |
| Premises and equipment expense | $94,000 | 8,145 |
| Additional noninterest expense | $465,000 | 6,755 |
| Pre-tax net operating income | $1,394,000 | 4,319 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $272,000 | 4,432 |
| Income before extraordinary items | $1,122,000 | 4,306 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,122,000 | 4,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,531 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $198,000 | 607 |
| Net operating income | $1,122,000 | 4,140 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,677,000 | 6,060 |
| Total interest expense | $691,000 | 6,497 |
| Net interest income | $1,986,000 | 5,734 |
| Provision for loan and lease losses | $141,000 | 4,009 |
| Total noninterest income | $54,000 | 8,655 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $20,000 | 7,825 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,000 | 7,714 |
| Total noninterest expense | $826,000 | 7,663 |
| Salaries and employee benefits | $496,000 | 7,408 |
| Premises and equipment expense | $63,000 | 8,316 |
| Additional noninterest expense | $267,000 | 7,425 |
| Pre-tax net operating income | $1,073,000 | 4,376 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,073,000 | 3,818 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,073,000 | 3,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,972 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $147,000 | 481 |
| Net operating income | $1,073,000 | 3,647 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,717,000 | 6,208 |
| Total interest expense | $475,000 | 6,532 |
| Net interest income | $1,242,000 | 5,961 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $38,000 | 8,624 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $12,000 | 7,878 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $26,000 | 7,515 |
| Total noninterest expense | $508,000 | 7,861 |
| Salaries and employee benefits | $317,000 | 7,543 |
| Premises and equipment expense | $46,000 | 8,198 |
| Additional noninterest expense | $145,000 | 7,841 |
| Pre-tax net operating income | $772,000 | 4,149 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $110,000 | 4,991 |
| Income before extraordinary items | $662,000 | 4,021 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $662,000 | 4,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,259 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 422 |
| Net operating income | $662,000 | 3,842 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $877,000 | 6,181 |
| Total interest expense | $244,000 | 6,559 |
| Net interest income | $633,000 | 5,883 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $18,000 | 8,694 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $6,000 | 7,883 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $264,000 | 7,806 |
| Salaries and employee benefits | $164,000 | 7,494 |
| Premises and equipment expense | $13,000 | 8,800 |
| Additional noninterest expense | $87,000 | 7,495 |
| Pre-tax net operating income | $347,000 | 4,420 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $144,000 | 3,290 |
| Income before extraordinary items | $203,000 | 5,294 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $203,000 | 5,293 |
| 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 | $27,000 | 300 |
| Net operating income | $203,000 | 5,104 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,207,000 | 6,634 |
| Total interest expense | $990,000 | 6,959 |
| Net interest income | $2,217,000 | 6,296 |
| Provision for loan and lease losses | $894,000 | 1,495 |
| Total noninterest income | $38,000 | 9,053 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $20,000 | 7,975 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 8,612 |
| Total noninterest expense | $904,000 | 8,148 |
| Salaries and employee benefits | $564,000 | 7,866 |
| Premises and equipment expense | $48,000 | 8,935 |
| Additional noninterest expense | $292,000 | 7,864 |
| Pre-tax net operating income | $457,000 | 6,932 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $122,000 | 5,763 |
| Income before extraordinary items | $335,000 | 7,152 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $335,000 | 7,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $596,000 | 1,441 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $335,000 | 7,036 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,854,000 | 8,362 |
| Total interest expense | $669,000 | 8,683 |
| Net interest income | $1,185,000 | 7,916 |
| Provision for loan and lease losses | $186,000 | 4,286 |
| Total noninterest income | $19,000 | 9,429 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $10,000 | 8,248 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $9,000 | 9,168 |
| Total noninterest expense | $643,000 | 8,820 |
| Salaries and employee benefits | $378,000 | 8,709 |
| Premises and equipment expense | $79,000 | 8,646 |
| Additional noninterest expense | $186,000 | 8,774 |
| Pre-tax net operating income | $375,000 | 7,081 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $115,000 | 5,834 |
| Income before extraordinary items | $266,000 | 7,337 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $266,000 | 7,339 |
| 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 | $5,000 | 882 |
| Net operating income | $261,800 | 7,247 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $538,000 | 9,674 |
| Total interest expense | $191,000 | 9,670 |
| Net interest income | $347,000 | 9,644 |
| Provision for loan and lease losses | $10,000 | 7,963 |
| Total noninterest income | $8,000 | 9,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 9,605 |
| Total noninterest expense | $446,000 | 9,499 |
| Salaries and employee benefits | $211,000 | 9,595 |
| Premises and equipment expense | $46,000 | 9,436 |
| Additional noninterest expense | $189,000 | 8,882 |
| Pre-tax net operating income | $-101,000 | 9,248 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-12,000 | 9,336 |
| Income before extraordinary items | $-89,000 | 9,256 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-89,000 | 9,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $4,440,000 | 238 |
| Net operating income | $-89,000 | 9,253 |
* 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.