Home > Spectrum Bank > Income and Expense
Spectrum Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,210,000 | 4,874 |
| Total interest expense | $870,000 | 5,904 |
| Net interest income | $2,340,000 | 4,148 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $404,000 | 3,994 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $223,000 | 3,264 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $181,000 | 3,952 |
| Total noninterest expense | $2,275,000 | 3,852 |
| Salaries and employee benefits | $1,060,000 | 4,328 |
| Premises and equipment expense | $351,000 | 3,541 |
| Additional noninterest expense | $864,000 | 3,120 |
| Pre-tax net operating income | $469,000 | 4,478 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $132,000 | 3,162 |
| Income before extraordinary items | $337,000 | 4,807 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $337,000 | 4,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,967 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $337,000 | 4,742 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,340,000 | 5,494 |
| Total interest expense | $370,000 | 6,399 |
| Net interest income | $970,000 | 4,728 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $170,000 | 4,322 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $88,000 | 3,708 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $82,000 | 4,146 |
| Total noninterest expense | $873,000 | 4,677 |
| Salaries and employee benefits | $459,000 | 4,824 |
| Premises and equipment expense | $141,000 | 4,177 |
| Additional noninterest expense | $273,000 | 4,411 |
| Pre-tax net operating income | $267,000 | 4,406 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $84,000 | 2,999 |
| Income before extraordinary items | $183,000 | 4,840 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $183,000 | 4,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $183,000 | 4,726 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,494,000 | 3,901 |
| Total interest expense | $3,940,000 | 4,045 |
| Net interest income | $5,554,000 | 3,711 |
| Provision for loan and lease losses | $870,000 | 1,584 |
| Total noninterest income | $1,693,000 | 2,498 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $561,000 | 2,815 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,132,000 | 2,052 |
| Total noninterest expense | $5,802,000 | 3,061 |
| Salaries and employee benefits | $3,190,000 | 3,075 |
| Premises and equipment expense | $881,000 | 2,851 |
| Additional noninterest expense | $1,731,000 | 3,042 |
| Pre-tax net operating income | $575,000 | 5,757 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $80,000 | 4,632 |
| Income before extraordinary items | $495,000 | 5,697 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $495,000 | 5,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,632 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $495,000 | 5,681 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,122,000 | 3,917 |
| Total interest expense | $2,948,000 | 4,065 |
| Net interest income | $4,174,000 | 3,717 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,374,000 | 2,356 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $441,000 | 2,704 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $933,000 | 1,922 |
| Total noninterest expense | $4,244,000 | 3,080 |
| Salaries and employee benefits | $2,268,000 | 3,192 |
| Premises and equipment expense | $655,000 | 2,852 |
| Additional noninterest expense | $1,321,000 | 2,937 |
| Pre-tax net operating income | $1,304,000 | 3,773 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $419,000 | 2,750 |
| Income before extraordinary items | $885,000 | 4,150 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $885,000 | 4,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,396 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $885,000 | 4,134 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,747,000 | 3,926 |
| Total interest expense | $1,934,000 | 4,095 |
| Net interest income | $2,813,000 | 3,710 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,019,000 | 2,222 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $302,000 | 2,635 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $717,000 | 1,748 |
| Total noninterest expense | $2,849,000 | 3,094 |
| Salaries and employee benefits | $1,514,000 | 3,218 |
| Premises and equipment expense | $429,000 | 2,927 |
| Additional noninterest expense | $906,000 | 2,863 |
| Pre-tax net operating income | $983,000 | 3,567 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $327,000 | 2,623 |
| Income before extraordinary items | $656,000 | 3,975 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $656,000 | 3,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,576 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $656,000 | 3,962 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,400,000 | 3,884 |
| Total interest expense | $977,000 | 4,070 |
| Net interest income | $1,423,000 | 3,694 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $601,000 | 1,939 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $153,000 | 2,568 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $448,000 | 1,476 |
| Total noninterest expense | $1,453,000 | 3,065 |
| Salaries and employee benefits | $772,000 | 3,179 |
| Premises and equipment expense | $216,000 | 2,929 |
| Additional noninterest expense | $465,000 | 2,767 |
| Pre-tax net operating income | $571,000 | 3,235 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $197,000 | 2,422 |
| Income before extraordinary items | $374,000 | 3,654 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $374,000 | 3,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $374,000 | 3,633 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,505,000 | 3,714 |
| Total interest expense | $3,461,000 | 3,943 |
| Net interest income | $6,044,000 | 3,504 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $1,962,000 | 2,256 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $662,000 | 2,487 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,300,000 | 1,841 |
| Total noninterest expense | $5,492,000 | 3,089 |
| Salaries and employee benefits | $3,011,000 | 3,119 |
| Premises and equipment expense | $777,000 | 3,084 |
| Additional noninterest expense | $1,704,000 | 2,959 |
| Pre-tax net operating income | $2,454,000 | 3,166 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $944,000 | 2,283 |
| Income before extraordinary items | $1,510,000 | 3,758 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,510,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,238 |
| Cash dividends | $499,000 | 3,755 |
| Sale, conversion, retirement of capital stock, net | $847,000 | 517 |
| Net operating income | $1,510,000 | 3,740 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,932,000 | 3,766 |
| Total interest expense | $2,453,000 | 4,009 |
| Net interest income | $4,479,000 | 3,558 |
| Provision for loan and lease losses | $60,000 | 4,851 |
| Total noninterest income | $1,612,000 | 2,120 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $521,000 | 2,396 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,091,000 | 1,710 |
| Total noninterest expense | $4,050,000 | 3,134 |
| Salaries and employee benefits | $2,222,000 | 3,156 |
| Premises and equipment expense | $566,000 | 3,151 |
| Additional noninterest expense | $1,262,000 | 2,987 |
| Pre-tax net operating income | $1,981,000 | 3,139 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $768,000 | 2,261 |
| Income before extraordinary items | $1,213,000 | 3,714 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,213,000 | 3,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $499,000 | 2,966 |
| Sale, conversion, retirement of capital stock, net | $847,000 | 391 |
| Net operating income | $1,213,000 | 3,694 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,453,000 | 3,817 |
| Total interest expense | $1,486,000 | 4,142 |
| Net interest income | $2,967,000 | 3,577 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,030,000 | 2,168 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $328,000 | 2,482 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $702,000 | 1,763 |
| Total noninterest expense | $2,604,000 | 3,240 |
| Salaries and employee benefits | $1,408,000 | 3,311 |
| Premises and equipment expense | $362,000 | 3,242 |
| Additional noninterest expense | $834,000 | 3,020 |
| Pre-tax net operating income | $1,393,000 | 3,034 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $543,000 | 2,192 |
| Income before extraordinary items | $850,000 | 3,590 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $850,000 | 3,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $847,000 | 279 |
| Net operating income | $850,000 | 3,577 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,132,000 | 3,887 |
| Total interest expense | $705,000 | 4,162 |
| Net interest income | $1,427,000 | 3,682 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $565,000 | 2,019 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $160,000 | 2,456 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $405,000 | 1,564 |
| Total noninterest expense | $1,292,000 | 3,284 |
| Salaries and employee benefits | $701,000 | 3,332 |
| Premises and equipment expense | $176,000 | 3,331 |
| Additional noninterest expense | $415,000 | 3,014 |
| Pre-tax net operating income | $700,000 | 2,968 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $274,000 | 2,127 |
| Income before extraordinary items | $426,000 | 3,522 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $426,000 | 3,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $426,000 | 3,504 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,503,000 | 3,946 |
| Total interest expense | $2,241,000 | 4,104 |
| Net interest income | $5,262,000 | 3,815 |
| Provision for loan and lease losses | $50,000 | 5,734 |
| Total noninterest income | $1,720,000 | 2,456 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $611,000 | 2,634 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,109,000 | 2,066 |
| Total noninterest expense | $4,949,000 | 3,263 |
| Salaries and employee benefits | $2,537,000 | 3,437 |
| Premises and equipment expense | $732,000 | 3,123 |
| Additional noninterest expense | $1,680,000 | 2,949 |
| Pre-tax net operating income | $1,983,000 | 3,702 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $760,000 | 2,683 |
| Income before extraordinary items | $1,223,000 | 4,296 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,223,000 | 4,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,497 |
| Cash dividends | $342,000 | 4,211 |
| Sale, conversion, retirement of capital stock, net | $-26,000 | 8,747 |
| Net operating income | $1,223,000 | 4,266 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,506,000 | 3,954 |
| Total interest expense | $1,584,000 | 4,141 |
| Net interest income | $3,922,000 | 3,825 |
| Provision for loan and lease losses | $50,000 | 5,172 |
| Total noninterest income | $1,361,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $483,000 | 2,504 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $878,000 | 1,987 |
| Total noninterest expense | $3,759,000 | 3,206 |
| Salaries and employee benefits | $1,974,000 | 3,312 |
| Premises and equipment expense | $539,000 | 3,152 |
| Additional noninterest expense | $1,246,000 | 2,946 |
| Pre-tax net operating income | $1,474,000 | 3,801 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $565,000 | 2,739 |
| Income before extraordinary items | $909,000 | 4,431 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $909,000 | 4,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,163 |
| Cash dividends | $342,000 | 3,350 |
| Sale, conversion, retirement of capital stock, net | $-26,000 | 8,791 |
| Net operating income | $909,000 | 4,392 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,611,000 | 3,944 |
| Total interest expense | $974,000 | 4,212 |
| Net interest income | $2,637,000 | 3,762 |
| Provision for loan and lease losses | $50,000 | 4,523 |
| Total noninterest income | $841,000 | 2,456 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $342,000 | 2,353 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $499,000 | 2,183 |
| Total noninterest expense | $2,542,000 | 3,143 |
| Salaries and employee benefits | $1,347,000 | 3,225 |
| Premises and equipment expense | $345,000 | 3,235 |
| Additional noninterest expense | $850,000 | 2,854 |
| Pre-tax net operating income | $886,000 | 4,032 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $338,000 | 2,888 |
| Income before extraordinary items | $548,000 | 4,652 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $548,000 | 4,653 |
| 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 | $-93,000 | 8,833 |
| Net operating income | $548,000 | 4,608 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,763,000 | 3,982 |
| Total interest expense | $448,000 | 4,352 |
| Net interest income | $1,315,000 | 3,770 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $451,000 | 2,306 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $175,000 | 2,253 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $276,000 | 1,993 |
| Total noninterest expense | $1,278,000 | 3,140 |
| Salaries and employee benefits | $695,000 | 3,142 |
| Premises and equipment expense | $173,000 | 3,260 |
| Additional noninterest expense | $410,000 | 2,956 |
| Pre-tax net operating income | $458,000 | 3,913 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $175,000 | 2,812 |
| Income before extraordinary items | $283,000 | 4,527 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $283,000 | 4,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $-93,000 | 8,908 |
| Net operating income | $283,000 | 4,487 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,138,000 | 4,186 |
| Total interest expense | $1,427,000 | 4,647 |
| Net interest income | $4,711,000 | 3,980 |
| Provision for loan and lease losses | $-225,000 | 8,851 |
| Total noninterest income | $1,290,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $711,000 | 2,341 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $579,000 | 3,047 |
| Total noninterest expense | $4,826,000 | 3,222 |
| Salaries and employee benefits | $2,505,000 | 3,342 |
| Premises and equipment expense | $682,000 | 3,197 |
| Additional noninterest expense | $1,639,000 | 2,910 |
| Pre-tax net operating income | $1,400,000 | 4,427 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $533,000 | 3,242 |
| Income before extraordinary items | $867,000 | 5,073 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $867,000 | 5,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-212,000 | 8,883 |
| Cash dividends | $275,000 | 4,480 |
| Sale, conversion, retirement of capital stock, net | $385,000 | 502 |
| Net operating income | $867,000 | 5,003 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,493,000 | 4,252 |
| Total interest expense | $1,001,000 | 4,786 |
| Net interest income | $3,492,000 | 4,012 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $934,000 | 3,067 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $539,000 | 2,345 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $395,000 | 3,219 |
| Total noninterest expense | $3,552,000 | 3,264 |
| Salaries and employee benefits | $1,819,000 | 3,398 |
| Premises and equipment expense | $519,000 | 3,150 |
| Additional noninterest expense | $1,214,000 | 2,902 |
| Pre-tax net operating income | $874,000 | 4,965 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $332,000 | 3,611 |
| Income before extraordinary items | $542,000 | 5,614 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $542,000 | 5,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $275,000 | 3,569 |
| Sale, conversion, retirement of capital stock, net | $237,000 | 424 |
| Net operating income | $542,000 | 5,546 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,954,000 | 4,303 |
| Total interest expense | $625,000 | 4,985 |
| Net interest income | $2,329,000 | 4,001 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $660,000 | 2,961 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $357,000 | 2,351 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $303,000 | 2,968 |
| Total noninterest expense | $2,385,000 | 3,231 |
| Salaries and employee benefits | $1,217,000 | 3,403 |
| Premises and equipment expense | $356,000 | 3,082 |
| Additional noninterest expense | $812,000 | 2,901 |
| Pre-tax net operating income | $604,000 | 4,814 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $231,000 | 3,521 |
| Income before extraordinary items | $373,000 | 5,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $373,000 | 5,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,683 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $170,000 | 354 |
| Net operating income | $373,000 | 5,402 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,504,000 | 4,252 |
| Total interest expense | $317,000 | 5,005 |
| Net interest income | $1,187,000 | 3,929 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $271,000 | 3,328 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $177,000 | 2,313 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $94,000 | 3,835 |
| Total noninterest expense | $1,194,000 | 3,237 |
| Salaries and employee benefits | $588,000 | 3,536 |
| Premises and equipment expense | $179,000 | 3,096 |
| Additional noninterest expense | $427,000 | 2,726 |
| Pre-tax net operating income | $264,000 | 5,129 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $100,000 | 3,780 |
| Income before extraordinary items | $164,000 | 5,802 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $164,000 | 5,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 283 |
| Net operating income | $164,000 | 5,679 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,923,000 | 4,348 |
| Total interest expense | $1,231,000 | 5,484 |
| Net interest income | $4,692,000 | 3,872 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $1,172,000 | 3,358 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $777,000 | 2,163 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $395,000 | 4,000 |
| Total noninterest expense | $5,050,000 | 3,025 |
| Salaries and employee benefits | $2,436,000 | 3,332 |
| Premises and equipment expense | $1,134,000 | 2,011 |
| Additional noninterest expense | $1,480,000 | 3,124 |
| Pre-tax net operating income | $694,000 | 6,032 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $249,000 | 4,591 |
| Income before extraordinary items | $445,000 | 6,590 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $445,000 | 6,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,883 |
| Cash dividends | $206,000 | 4,880 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 617 |
| Net operating income | $445,000 | 6,426 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,373,000 | 4,441 |
| Total interest expense | $908,000 | 5,679 |
| Net interest income | $3,465,000 | 3,942 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $849,000 | 3,503 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $589,000 | 2,167 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $260,000 | 4,307 |
| Total noninterest expense | $3,822,000 | 2,999 |
| Salaries and employee benefits | $1,837,000 | 3,324 |
| Premises and equipment expense | $908,000 | 1,887 |
| Additional noninterest expense | $1,077,000 | 3,189 |
| Pre-tax net operating income | $492,000 | 6,324 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $174,000 | 4,875 |
| Income before extraordinary items | $318,000 | 6,845 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $318,000 | 6,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,948 |
| Cash dividends | $206,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 495 |
| Net operating income | $318,000 | 6,670 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,855,000 | 4,535 |
| Total interest expense | $583,000 | 5,939 |
| Net interest income | $2,272,000 | 3,992 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $556,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $383,000 | 2,169 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $173,000 | 4,306 |
| Total noninterest expense | $2,482,000 | 3,068 |
| Salaries and employee benefits | $1,232,000 | 3,303 |
| Premises and equipment expense | $544,000 | 2,096 |
| Additional noninterest expense | $706,000 | 3,213 |
| Pre-tax net operating income | $346,000 | 6,199 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $122,000 | 4,838 |
| Income before extraordinary items | $224,000 | 6,752 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $224,000 | 6,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,986 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 400 |
| Net operating income | $224,000 | 6,552 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,404,000 | 4,616 |
| Total interest expense | $269,000 | 6,268 |
| Net interest income | $1,135,000 | 3,996 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $280,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $195,000 | 2,065 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $85,000 | 4,228 |
| Total noninterest expense | $1,251,000 | 3,031 |
| Salaries and employee benefits | $620,000 | 3,271 |
| Premises and equipment expense | $257,000 | 2,200 |
| Additional noninterest expense | $374,000 | 3,023 |
| Pre-tax net operating income | $164,000 | 6,288 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $58,000 | 4,885 |
| Income before extraordinary items | $106,000 | 6,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $106,000 | 6,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 271 |
| Net operating income | $106,000 | 6,614 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,720,000 | 4,704 |
| Total interest expense | $1,489,000 | 5,739 |
| Net interest income | $4,231,000 | 4,171 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,100,000 | 3,265 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $723,000 | 2,192 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $377,000 | 3,806 |
| Total noninterest expense | $4,870,000 | 2,999 |
| Salaries and employee benefits | $2,423,000 | 3,191 |
| Premises and equipment expense | $1,080,000 | 2,029 |
| Additional noninterest expense | $1,367,000 | 3,206 |
| Pre-tax net operating income | $461,000 | 6,920 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $148,000 | 5,541 |
| Income before extraordinary items | $313,000 | 7,256 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $313,000 | 7,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 9,208 |
| Cash dividends | $137,000 | 5,300 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 636 |
| Net operating income | $313,000 | 7,152 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,924,000 | 4,466 |
| Total interest expense | $2,602,000 | 5,272 |
| Net interest income | $4,322,000 | 3,887 |
| Provision for loan and lease losses | $75,000 | 6,076 |
| Total noninterest income | $977,000 | 3,398 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $685,000 | 2,177 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $292,000 | 4,172 |
| Total noninterest expense | $4,699,000 | 2,973 |
| Salaries and employee benefits | $2,268,000 | 3,234 |
| Premises and equipment expense | $1,089,000 | 1,965 |
| Additional noninterest expense | $1,342,000 | 3,172 |
| Pre-tax net operating income | $525,000 | 6,456 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $193,000 | 5,100 |
| Income before extraordinary items | $338,000 | 6,903 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $338,000 | 6,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,311 |
| Cash dividends | $138,000 | 5,432 |
| Sale, conversion, retirement of capital stock, net | $193,000 | 587 |
| Net operating income | $334,160 | 6,813 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,572,000 | 4,300 |
| Total interest expense | $2,884,000 | 5,070 |
| Net interest income | $4,688,000 | 3,670 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $896,000 | 3,401 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $588,000 | 2,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $308,000 | 3,858 |
| Total noninterest expense | $4,569,000 | 2,954 |
| Salaries and employee benefits | $2,314,000 | 3,037 |
| Premises and equipment expense | $1,178,000 | 1,776 |
| Additional noninterest expense | $1,077,000 | 3,757 |
| Pre-tax net operating income | $1,015,000 | 5,219 |
| Securities gains (losses) | $-14,000 | 8,543 |
| Applicable income taxes | $412,000 | 3,930 |
| Income before extraordinary items | $589,000 | 5,900 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $589,000 | 5,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $138,000 | 5,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $597,960 | 5,877 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,052,000 | 4,918 |
| Total interest expense | $1,927,000 | 6,131 |
| Net interest income | $4,125,000 | 4,061 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $887,000 | 3,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $560,000 | 2,382 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $327,000 | 3,827 |
| Total noninterest expense | $4,309,000 | 3,089 |
| Salaries and employee benefits | $2,117,000 | 3,255 |
| Premises and equipment expense | $1,129,000 | 1,811 |
| Additional noninterest expense | $1,063,000 | 3,817 |
| Pre-tax net operating income | $523,000 | 7,044 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,000 | 8,717 |
| Income before extraordinary items | $522,000 | 6,290 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $522,000 | 6,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,975 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $522,000 | 6,271 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,815,000 | 5,121 |
| Total interest expense | $2,077,000 | 6,063 |
| Net interest income | $3,738,000 | 4,362 |
| Provision for loan and lease losses | $560,000 | 1,578 |
| Total noninterest income | $1,343,000 | 2,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $516,000 | 2,488 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $827,000 | 2,122 |
| Total noninterest expense | $4,620,000 | 2,806 |
| Salaries and employee benefits | $2,087,000 | 3,198 |
| Premises and equipment expense | $1,110,000 | 1,773 |
| Additional noninterest expense | $1,423,000 | 2,910 |
| Pre-tax net operating income | $-99,000 | 9,913 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $-100,000 | 9,957 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-100,000 | 9,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $544,000 | 1,183 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-100,000 | 9,920 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,487,000 | 5,421 |
| Total interest expense | $1,930,000 | 6,398 |
| Net interest income | $3,557,000 | 4,671 |
| Provision for loan and lease losses | $340,000 | 2,366 |
| Total noninterest income | $1,087,000 | 2,850 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $492,000 | 2,670 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $595,000 | 2,489 |
| Total noninterest expense | $4,276,000 | 2,983 |
| Salaries and employee benefits | $1,930,000 | 3,418 |
| Premises and equipment expense | $955,000 | 2,063 |
| Additional noninterest expense | $1,391,000 | 2,934 |
| Pre-tax net operating income | $28,000 | 10,305 |
| Securities gains (losses) | $35,000 | 1,545 |
| Applicable income taxes | $-349,000 | 10,839 |
| Income before extraordinary items | $412,000 | 7,563 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $412,000 | 7,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $638,000 | 1,101 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $377,000 | 7,744 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,053,000 | 5,157 |
| Total interest expense | $1,958,000 | 6,494 |
| Net interest income | $4,095,000 | 4,235 |
| Provision for loan and lease losses | $-160,000 | 11,313 |
| Total noninterest income | $990,000 | 3,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $502,000 | 2,716 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $488,000 | 2,976 |
| Total noninterest expense | $4,935,000 | 2,770 |
| Salaries and employee benefits | $2,069,000 | 3,233 |
| Premises and equipment expense | $940,000 | 2,120 |
| Additional noninterest expense | $1,926,000 | 2,549 |
| Pre-tax net operating income | $310,000 | 9,063 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $-149,000 | 11,228 |
| Income before extraordinary items | $467,000 | 7,131 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $467,000 | 7,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 1,491 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $459,000 | 7,124 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,640,000 | 4,188 |
| Total interest expense | $2,331,000 | 5,838 |
| Net interest income | $5,309,000 | 3,337 |
| Provision for loan and lease losses | $900,000 | 1,018 |
| Total noninterest income | $1,406,000 | 2,401 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $658,000 | 2,065 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $748,000 | 2,203 |
| Total noninterest expense | $6,351,000 | 2,162 |
| Salaries and employee benefits | $2,509,000 | 2,664 |
| Premises and equipment expense | $988,000 | 2,036 |
| Additional noninterest expense | $2,854,000 | 1,773 |
| Pre-tax net operating income | $-536,000 | 11,806 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-536,000 | 11,805 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-536,000 | 11,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,240,000 | 530 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $3,492,000 | 153 |
| Net operating income | $-536,000 | 11,798 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,487,000 | 3,525 |
| Total interest expense | $2,180,000 | 5,204 |
| Net interest income | $6,307,000 | 2,866 |
| Provision for loan and lease losses | $3,093,000 | 423 |
| Total noninterest income | $1,650,000 | 2,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $925,000 | 1,465 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $725,000 | 2,269 |
| Total noninterest expense | $7,607,000 | 1,899 |
| Salaries and employee benefits | $2,401,000 | 2,764 |
| Premises and equipment expense | $1,029,000 | 1,974 |
| Additional noninterest expense | $4,177,000 | 1,364 |
| Pre-tax net operating income | $-2,743,000 | 12,546 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $308,000 | 5,782 |
| Income before extraordinary items | $-3,051,000 | 12,527 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-3,051,000 | 12,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,440,000 | 485 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 502 |
| Net operating income | $-3,051,000 | 12,528 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,780,000 | 3,501 |
| Total interest expense | $2,149,000 | 5,499 |
| Net interest income | $6,631,000 | 2,720 |
| Provision for loan and lease losses | $2,077,000 | 788 |
| Total noninterest income | $1,428,000 | 2,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $851,000 | 1,609 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $577,000 | 2,960 |
| Total noninterest expense | $8,506,000 | 1,767 |
| Salaries and employee benefits | $2,531,000 | 2,607 |
| Premises and equipment expense | $1,435,000 | 1,482 |
| Additional noninterest expense | $4,540,000 | 1,375 |
| Pre-tax net operating income | $-2,524,000 | 13,114 |
| Securities gains (losses) | $106,000 | 2,422 |
| Applicable income taxes | $-471,000 | 13,133 |
| Income before extraordinary items | $-1,947,000 | 13,086 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,947,000 | 13,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,370,000 | 920 |
| Cash dividends | $74,000 | 7,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-2,032,860 | 13,062 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,784,000 | 4,386 |
| Total interest expense | $2,469,000 | 6,051 |
| Net interest income | $5,315,000 | 3,431 |
| Provision for loan and lease losses | $764,000 | 2,221 |
| Total noninterest income | $1,223,000 | 2,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $805,000 | 1,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $418,000 | 3,598 |
| Total noninterest expense | $4,890,000 | 2,924 |
| Salaries and employee benefits | $2,513,000 | 2,585 |
| Premises and equipment expense | $923,000 | 2,253 |
| Additional noninterest expense | $1,454,000 | 3,695 |
| Pre-tax net operating income | $884,000 | 6,180 |
| Securities gains (losses) | $59,000 | 3,858 |
| Applicable income taxes | $355,000 | 5,285 |
| Income before extraordinary items | $588,000 | 6,653 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $588,000 | 6,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $541,000 | 2,344 |
| Cash dividends | $64,000 | 7,351 |
| Sale, conversion, retirement of capital stock, net | $741,000 | 472 |
| Net operating income | $550,240 | 6,561 |
* 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.