Home > South Bay Bank > Income and Expense
South Bay Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,568,000 | 2,269 |
| Total interest expense | $1,757,000 | 2,599 |
| Net interest income | $2,811,000 | 2,064 |
| Provision for loan and lease losses | $200,000 | 1,154 |
| Total noninterest income | $153,000 | 4,605 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $97,000 | 3,514 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $56,000 | 4,901 |
| Total noninterest expense | $1,659,000 | 2,734 |
| Salaries and employee benefits | $1,053,000 | 2,441 |
| Premises and equipment expense | $204,000 | 3,055 |
| Additional noninterest expense | $402,000 | 3,159 |
| Pre-tax net operating income | $1,105,000 | 1,997 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $450,000 | 1,390 |
| Income before extraordinary items | $655,000 | 2,458 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $655,000 | 2,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $655,000 | 2,435 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,202,000 | 2,260 |
| Total interest expense | $5,280,000 | 2,894 |
| Net interest income | $11,922,000 | 1,950 |
| Provision for loan and lease losses | $124,000 | 4,346 |
| Total noninterest income | $634,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $403,000 | 3,520 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $231,000 | 4,846 |
| Total noninterest expense | $6,494,000 | 2,693 |
| Salaries and employee benefits | $4,036,000 | 2,431 |
| Premises and equipment expense | $629,000 | 3,632 |
| Additional noninterest expense | $1,829,000 | 2,775 |
| Pre-tax net operating income | $5,938,000 | 1,624 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,548,000 | 1,080 |
| Income before extraordinary items | $3,390,000 | 2,070 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,390,000 | 2,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $1,500,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 407 |
| Net operating income | $3,390,000 | 2,054 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,750,000 | 2,280 |
| Total interest expense | $3,746,000 | 2,950 |
| Net interest income | $9,004,000 | 1,955 |
| Provision for loan and lease losses | $54,000 | 4,980 |
| Total noninterest income | $483,000 | 4,571 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $302,000 | 3,557 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $181,000 | 4,745 |
| Total noninterest expense | $4,933,000 | 2,659 |
| Salaries and employee benefits | $2,879,000 | 2,529 |
| Premises and equipment expense | $613,000 | 2,949 |
| Additional noninterest expense | $1,441,000 | 2,653 |
| Pre-tax net operating income | $4,500,000 | 1,649 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,929,000 | 1,121 |
| Income before extraordinary items | $2,571,000 | 2,108 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,571,000 | 2,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 307 |
| Net operating income | $2,571,000 | 2,094 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,341,000 | 2,282 |
| Total interest expense | $2,329,000 | 3,008 |
| Net interest income | $6,012,000 | 1,937 |
| Provision for loan and lease losses | $32,000 | 4,953 |
| Total noninterest income | $322,000 | 4,550 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $187,000 | 3,697 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $135,000 | 4,512 |
| Total noninterest expense | $3,351,000 | 2,618 |
| Salaries and employee benefits | $1,881,000 | 2,570 |
| Premises and equipment expense | $411,000 | 2,933 |
| Additional noninterest expense | $1,059,000 | 2,430 |
| Pre-tax net operating income | $2,951,000 | 1,680 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,264,000 | 1,147 |
| Income before extraordinary items | $1,687,000 | 2,128 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,687,000 | 2,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 213 |
| Net operating income | $1,687,000 | 2,109 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,054,000 | 2,296 |
| Total interest expense | $1,072,000 | 3,074 |
| Net interest income | $2,982,000 | 1,944 |
| Provision for loan and lease losses | $32,000 | 3,778 |
| Total noninterest income | $184,000 | 4,160 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $92,000 | 3,651 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $92,000 | 3,883 |
| Total noninterest expense | $1,666,000 | 2,641 |
| Salaries and employee benefits | $929,000 | 2,616 |
| Premises and equipment expense | $203,000 | 2,992 |
| Additional noninterest expense | $534,000 | 2,403 |
| Pre-tax net operating income | $1,468,000 | 1,652 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $628,000 | 1,150 |
| Income before extraordinary items | $840,000 | 2,103 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $840,000 | 2,102 |
| 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 | $840,000 | 2,087 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,679,000 | 2,585 |
| Total interest expense | $2,387,000 | 3,940 |
| Net interest income | $10,292,000 | 2,155 |
| Provision for loan and lease losses | $735,000 | 1,361 |
| Total noninterest income | $581,000 | 4,869 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $431,000 | 3,381 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $150,000 | 5,728 |
| Total noninterest expense | $6,147,000 | 2,688 |
| Salaries and employee benefits | $3,418,000 | 2,656 |
| Premises and equipment expense | $703,000 | 3,215 |
| Additional noninterest expense | $2,026,000 | 2,458 |
| Pre-tax net operating income | $3,991,000 | 2,222 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,655,000 | 1,588 |
| Income before extraordinary items | $2,336,000 | 2,735 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,336,000 | 2,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,159 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,336,000 | 2,693 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,880,000 | 2,688 |
| Total interest expense | $1,503,000 | 4,284 |
| Net interest income | $7,377,000 | 2,222 |
| Provision for loan and lease losses | $696,000 | 1,071 |
| Total noninterest income | $449,000 | 4,830 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $334,000 | 3,309 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 5,699 |
| Total noninterest expense | $4,580,000 | 2,669 |
| Salaries and employee benefits | $2,523,000 | 2,649 |
| Premises and equipment expense | $522,000 | 3,238 |
| Additional noninterest expense | $1,535,000 | 2,401 |
| Pre-tax net operating income | $2,550,000 | 2,535 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,058,000 | 1,804 |
| Income before extraordinary items | $1,492,000 | 3,143 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,492,000 | 3,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,120 |
| Cash dividends | $1,000,000 | 1,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,492,000 | 3,100 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,608,000 | 2,748 |
| Total interest expense | $922,000 | 4,376 |
| Net interest income | $4,686,000 | 2,311 |
| Provision for loan and lease losses | $38,000 | 4,924 |
| Total noninterest income | $311,000 | 4,694 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $234,000 | 3,165 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $77,000 | 5,690 |
| Total noninterest expense | $3,014,000 | 2,684 |
| Salaries and employee benefits | $1,657,000 | 2,675 |
| Premises and equipment expense | $346,000 | 3,227 |
| Additional noninterest expense | $1,011,000 | 2,399 |
| Pre-tax net operating income | $1,945,000 | 2,238 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $807,000 | 1,609 |
| Income before extraordinary items | $1,138,000 | 2,781 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,138,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,070 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,138,000 | 2,736 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,736,000 | 2,779 |
| Total interest expense | $471,000 | 4,202 |
| Net interest income | $2,265,000 | 2,369 |
| Provision for loan and lease losses | $38,000 | 3,670 |
| Total noninterest income | $163,000 | 4,492 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $127,000 | 2,903 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,847 |
| Total noninterest expense | $1,493,000 | 2,728 |
| Salaries and employee benefits | $833,000 | 2,684 |
| Premises and equipment expense | $173,000 | 3,260 |
| Additional noninterest expense | $487,000 | 2,499 |
| Pre-tax net operating income | $897,000 | 2,365 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $372,000 | 1,696 |
| Income before extraordinary items | $525,000 | 2,935 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $525,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $525,000 | 2,887 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,400,000 | 2,992 |
| Total interest expense | $1,399,000 | 4,704 |
| Net interest income | $8,001,000 | 2,551 |
| Provision for loan and lease losses | $125,000 | 4,546 |
| Total noninterest income | $713,000 | 4,341 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $578,000 | 2,791 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $135,000 | 5,890 |
| Total noninterest expense | $5,993,000 | 2,650 |
| Salaries and employee benefits | $3,297,000 | 2,612 |
| Premises and equipment expense | $629,000 | 3,401 |
| Additional noninterest expense | $2,067,000 | 2,349 |
| Pre-tax net operating income | $2,596,000 | 2,905 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,077,000 | 2,034 |
| Income before extraordinary items | $1,519,000 | 3,601 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,519,000 | 3,602 |
| 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 | $0 | 872 |
| Net operating income | $1,519,000 | 3,547 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,645,000 | 3,118 |
| Total interest expense | $955,000 | 4,909 |
| Net interest income | $5,690,000 | 2,632 |
| Provision for loan and lease losses | $75,000 | 4,788 |
| Total noninterest income | $549,000 | 4,299 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $451,000 | 2,714 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $98,000 | 5,957 |
| Total noninterest expense | $4,427,000 | 2,657 |
| Salaries and employee benefits | $2,468,000 | 2,601 |
| Premises and equipment expense | $498,000 | 3,262 |
| Additional noninterest expense | $1,461,000 | 2,449 |
| Pre-tax net operating income | $1,737,000 | 3,233 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $720,000 | 2,261 |
| Income before extraordinary items | $1,017,000 | 3,954 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,017,000 | 3,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,557 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,017,000 | 3,892 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,010,000 | 3,375 |
| Total interest expense | $576,000 | 5,231 |
| Net interest income | $3,434,000 | 2,906 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $366,000 | 4,324 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $300,000 | 2,711 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $66,000 | 5,947 |
| Total noninterest expense | $2,992,000 | 2,615 |
| Salaries and employee benefits | $1,650,000 | 2,605 |
| Premises and equipment expense | $373,000 | 2,962 |
| Additional noninterest expense | $969,000 | 2,457 |
| Pre-tax net operating income | $808,000 | 4,083 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $331,000 | 2,902 |
| Income before extraordinary items | $477,000 | 4,855 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $477,000 | 4,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,447 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $477,000 | 4,771 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,958,000 | 3,449 |
| Total interest expense | $292,000 | 5,250 |
| Net interest income | $1,666,000 | 2,977 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $186,000 | 4,225 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $152,000 | 2,644 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $34,000 | 5,872 |
| Total noninterest expense | $1,525,000 | 2,589 |
| Salaries and employee benefits | $848,000 | 2,550 |
| Premises and equipment expense | $183,000 | 3,042 |
| Additional noninterest expense | $494,000 | 2,391 |
| Pre-tax net operating income | $327,000 | 4,611 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $134,000 | 3,301 |
| Income before extraordinary items | $193,000 | 5,436 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $193,000 | 5,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,575 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $193,000 | 5,309 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,015,000 | 3,108 |
| Total interest expense | $1,997,000 | 4,036 |
| Net interest income | $7,018,000 | 2,744 |
| Provision for loan and lease losses | $790,000 | 1,471 |
| Total noninterest income | $441,000 | 5,742 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $449,000 | 3,377 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-8,000 | 9,124 |
| Total noninterest expense | $5,761,000 | 2,688 |
| Salaries and employee benefits | $3,031,000 | 2,740 |
| Premises and equipment expense | $715,000 | 3,033 |
| Additional noninterest expense | $2,015,000 | 2,386 |
| Pre-tax net operating income | $908,000 | 5,399 |
| Securities gains (losses) | $68,000 | 2,232 |
| Applicable income taxes | $359,000 | 3,991 |
| Income before extraordinary items | $617,000 | 5,893 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $617,000 | 5,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,340,000 | 732 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $573,480 | 5,888 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,027,000 | 3,044 |
| Total interest expense | $1,667,000 | 3,801 |
| Net interest income | $5,360,000 | 2,713 |
| Provision for loan and lease losses | $790,000 | 1,098 |
| Total noninterest income | $359,000 | 5,596 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $331,000 | 3,426 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $28,000 | 7,919 |
| Total noninterest expense | $4,344,000 | 2,680 |
| Salaries and employee benefits | $1,702,000 | 3,519 |
| Premises and equipment expense | $450,000 | 3,524 |
| Additional noninterest expense | $2,192,000 | 1,660 |
| Pre-tax net operating income | $585,000 | 5,937 |
| Securities gains (losses) | $68,000 | 2,055 |
| Applicable income taxes | $336,000 | 3,720 |
| Income before extraordinary items | $317,000 | 6,853 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $317,000 | 6,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,325,000 | 581 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $273,480 | 6,934 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,842,000 | 2,986 |
| Total interest expense | $1,256,000 | 3,528 |
| Net interest income | $3,586,000 | 2,712 |
| Provision for loan and lease losses | $780,000 | 781 |
| Total noninterest income | $199,000 | 6,027 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $200,000 | 3,626 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-1,000 | 9,199 |
| Total noninterest expense | $2,978,000 | 2,617 |
| Salaries and employee benefits | $1,166,000 | 3,443 |
| Premises and equipment expense | $296,000 | 3,534 |
| Additional noninterest expense | $1,516,000 | 1,602 |
| Pre-tax net operating income | $27,000 | 8,517 |
| Securities gains (losses) | $68,000 | 1,796 |
| Applicable income taxes | $85,000 | 5,338 |
| Income before extraordinary items | $10,000 | 8,705 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $10,000 | 8,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,430,000 | 418 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-33,520 | 8,741 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,454,000 | 2,963 |
| Total interest expense | $717,000 | 3,250 |
| Net interest income | $1,737,000 | 2,784 |
| Provision for loan and lease losses | $65,000 | 3,141 |
| Total noninterest income | $125,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $104,000 | 3,444 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $1,499,000 | 2,589 |
| Salaries and employee benefits | $579,000 | 3,466 |
| Premises and equipment expense | $142,000 | 3,648 |
| Additional noninterest expense | $778,000 | 1,519 |
| Pre-tax net operating income | $298,000 | 4,806 |
| Securities gains (losses) | $68,000 | 1,210 |
| Applicable income taxes | $173,000 | 2,947 |
| Income before extraordinary items | $193,000 | 5,421 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $193,000 | 5,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $149,480 | 5,848 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,760,000 | 2,828 |
| Total interest expense | $3,443,000 | 3,151 |
| Net interest income | $7,317,000 | 2,605 |
| Provision for loan and lease losses | $1,875,000 | 788 |
| Total noninterest income | $507,000 | 5,174 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $424,000 | 3,389 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 6,810 |
| Total noninterest expense | $5,021,000 | 2,918 |
| Salaries and employee benefits | $1,963,000 | 3,796 |
| Premises and equipment expense | $556,000 | 3,632 |
| Additional noninterest expense | $2,502,000 | 1,855 |
| Pre-tax net operating income | $928,000 | 5,392 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $477,000 | 3,546 |
| Income before extraordinary items | $451,000 | 6,603 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $451,000 | 6,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,407,000 | 410 |
| Cash dividends | $1,012,000 | 2,208 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 471 |
| Net operating income | $451,000 | 6,480 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $575,000 | 9,396 |
| Total interest expense | $222,000 | 9,369 |
| Net interest income | $353,000 | 9,362 |
| Provision for loan and lease losses | $67,000 | 6,261 |
| Total noninterest income | $59,000 | 9,059 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $39,000 | 7,812 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $20,000 | 8,732 |
| Total noninterest expense | $220,000 | 9,550 |
| Salaries and employee benefits | $104,000 | 9,547 |
| Premises and equipment expense | $27,000 | 9,430 |
| Additional noninterest expense | $89,000 | 9,436 |
| Pre-tax net operating income | $125,000 | 8,214 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $51,000 | 6,689 |
| Income before extraordinary items | $74,000 | 8,473 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $74,000 | 8,472 |
| 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 | $0 | 922 |
| Net operating income | $74,000 | 8,372 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,113,000 | 2,056 |
| Total interest expense | $7,808,000 | 2,182 |
| Net interest income | $9,305,000 | 1,892 |
| Provision for loan and lease losses | $1,006,000 | 1,055 |
| Total noninterest income | $690,000 | 4,037 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $439,000 | 3,010 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $251,000 | 4,291 |
| Total noninterest expense | $4,836,000 | 2,802 |
| Salaries and employee benefits | $2,114,000 | 3,307 |
| Premises and equipment expense | $605,000 | 3,251 |
| Additional noninterest expense | $2,117,000 | 2,045 |
| Pre-tax net operating income | $4,153,000 | 1,765 |
| Securities gains (losses) | $26,000 | 887 |
| Applicable income taxes | $1,679,000 | 1,371 |
| Income before extraordinary items | $2,500,000 | 2,085 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,500,000 | 2,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $790,000 | 886 |
| Cash dividends | $395,000 | 4,001 |
| Sale, conversion, retirement of capital stock, net | $4,455,000 | 237 |
| Net operating income | $2,483,360 | 2,095 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,360,000 | 2,449 |
| Total interest expense | $5,741,000 | 2,563 |
| Net interest income | $7,619,000 | 2,318 |
| Provision for loan and lease losses | $1,054,000 | 927 |
| Total noninterest income | $622,000 | 4,321 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $459,000 | 2,839 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $4,613,000 | 2,922 |
| Salaries and employee benefits | $2,087,000 | 3,304 |
| Premises and equipment expense | $590,000 | 3,304 |
| Additional noninterest expense | $1,936,000 | 2,261 |
| Pre-tax net operating income | $2,574,000 | 2,728 |
| Securities gains (losses) | $-8,000 | 9,241 |
| Applicable income taxes | $822,000 | 2,593 |
| Income before extraordinary items | $1,744,000 | 2,876 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,744,000 | 2,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $815,000 | 824 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,749,440 | 2,846 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,957,000 | 2,715 |
| Total interest expense | $5,034,000 | 2,983 |
| Net interest income | $6,923,000 | 2,446 |
| Provision for loan and lease losses | $-75,000 | 10,297 |
| Total noninterest income | $780,000 | 3,695 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $521,000 | 2,465 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $259,000 | 4,339 |
| Total noninterest expense | $4,897,000 | 2,675 |
| Salaries and employee benefits | $2,559,000 | 2,646 |
| Premises and equipment expense | $570,000 | 3,327 |
| Additional noninterest expense | $1,768,000 | 2,360 |
| Pre-tax net operating income | $2,881,000 | 2,473 |
| Securities gains (losses) | $94,000 | 1,313 |
| Applicable income taxes | $1,134,000 | 2,087 |
| Income before extraordinary items | $1,841,000 | 2,748 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,841,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 1,368 |
| Cash dividends | $282,000 | 4,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,780,840 | 2,735 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,300,000 | 3,478 |
| Total interest expense | $3,546,000 | 4,102 |
| Net interest income | $5,754,000 | 3,032 |
| Provision for loan and lease losses | $558,000 | 1,635 |
| Total noninterest income | $838,000 | 3,461 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $507,000 | 2,589 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $331,000 | 3,707 |
| Total noninterest expense | $4,827,000 | 2,654 |
| Salaries and employee benefits | $2,297,000 | 2,883 |
| Premises and equipment expense | $523,000 | 3,570 |
| Additional noninterest expense | $2,007,000 | 2,085 |
| Pre-tax net operating income | $1,207,000 | 5,231 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $-613,000 | 10,869 |
| Income before extraordinary items | $1,825,000 | 2,793 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,825,000 | 2,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,658 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,820,000 | 2,752 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,020,000 | 4,568 |
| Total interest expense | $2,736,000 | 5,167 |
| Net interest income | $4,284,000 | 4,046 |
| Provision for loan and lease losses | $385,000 | 2,159 |
| Total noninterest income | $771,000 | 3,805 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $438,000 | 3,079 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $333,000 | 3,820 |
| Total noninterest expense | $4,179,000 | 3,214 |
| Salaries and employee benefits | $1,971,000 | 3,374 |
| Premises and equipment expense | $574,000 | 3,354 |
| Additional noninterest expense | $1,634,000 | 2,914 |
| Pre-tax net operating income | $491,000 | 7,993 |
| Securities gains (losses) | $24,000 | 1,866 |
| Applicable income taxes | $-155,000 | 11,237 |
| Income before extraordinary items | $670,000 | 5,890 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $670,000 | 5,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $686,000 | 1,134 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $875,000 | 406 |
| Net operating income | $646,000 | 5,952 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,223,000 | 5,043 |
| Total interest expense | $2,449,000 | 5,656 |
| Net interest income | $3,774,000 | 4,538 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $1,126,000 | 2,835 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $537,000 | 2,502 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $589,000 | 2,567 |
| Total noninterest expense | $4,564,000 | 2,951 |
| Salaries and employee benefits | $1,731,000 | 3,767 |
| Premises and equipment expense | $580,000 | 3,301 |
| Additional noninterest expense | $2,253,000 | 2,187 |
| Pre-tax net operating income | $236,000 | 10,219 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $10,000 | 10,932 |
| Income before extraordinary items | $226,000 | 9,648 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $226,000 | 9,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,029,000 | 870 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,958,000 | 223 |
| Net operating income | $226,000 | 9,621 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,911,000 | 4,927 |
| Total interest expense | $2,159,000 | 5,259 |
| Net interest income | $3,752,000 | 4,637 |
| Provision for loan and lease losses | $1,928,000 | 602 |
| Total noninterest income | $1,498,000 | 2,297 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $578,000 | 2,355 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $920,000 | 1,944 |
| Total noninterest expense | $5,450,000 | 2,556 |
| Salaries and employee benefits | $1,983,000 | 3,311 |
| Premises and equipment expense | $618,000 | 3,179 |
| Additional noninterest expense | $2,849,000 | 1,897 |
| Pre-tax net operating income | $-2,128,000 | 12,528 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,000 | 11,553 |
| Income before extraordinary items | $-2,130,000 | 12,497 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-2,130,000 | 12,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,734,000 | 441 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $645,000 | 504 |
| Net operating income | $-2,130,000 | 12,500 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,314,000 | 4,142 |
| Total interest expense | $2,843,000 | 4,311 |
| Net interest income | $4,471,000 | 3,968 |
| Provision for loan and lease losses | $4,340,000 | 480 |
| Total noninterest income | $1,635,000 | 2,280 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $701,000 | 1,947 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $934,000 | 2,131 |
| Total noninterest expense | $5,893,000 | 2,428 |
| Salaries and employee benefits | $1,897,000 | 3,440 |
| Premises and equipment expense | $629,000 | 3,179 |
| Additional noninterest expense | $3,367,000 | 1,742 |
| Pre-tax net operating income | $-4,127,000 | 13,161 |
| Securities gains (losses) | $47,000 | 3,500 |
| Applicable income taxes | $-1,120,000 | 13,189 |
| Income before extraordinary items | $-2,960,000 | 13,130 |
| Extraordinary gains, net | $75,000 | 1,837 |
| Net income | $-2,885,000 | 13,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,156,000 | 548 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-2,994,310 | 13,110 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,300,000 | 3,392 |
| Total interest expense | $4,680,000 | 3,509 |
| Net interest income | $5,620,000 | 3,255 |
| Provision for loan and lease losses | $3,275,000 | 781 |
| Total noninterest income | $1,331,000 | 2,628 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $416,000 | 3,338 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $915,000 | 2,131 |
| Total noninterest expense | $5,631,000 | 2,569 |
| Salaries and employee benefits | $2,132,000 | 3,028 |
| Premises and equipment expense | $662,000 | 3,076 |
| Additional noninterest expense | $2,837,000 | 2,090 |
| Pre-tax net operating income | $-1,955,000 | 13,630 |
| Securities gains (losses) | $93,000 | 3,119 |
| Applicable income taxes | $-633,000 | 13,780 |
| Income before extraordinary items | $-1,229,000 | 13,588 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,229,000 | 13,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,436,000 | 850 |
| Cash dividends | $258,000 | 4,401 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 983 |
| Net operating income | $-1,290,380 | 13,534 |
* 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.