Home > St. Joseph Capital Bank > Income and Expense
St. Joseph Capital Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,474,000 | 1,508 |
| Total interest expense | $17,078,000 | 979 |
| Net interest income | $9,396,000 | 2,421 |
| Provision for loan and lease losses | $-317,000 | 8,572 |
| Total noninterest income | $995,000 | 3,560 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $369,000 | 3,708 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $626,000 | 2,937 |
| Total noninterest expense | $6,989,000 | 2,521 |
| Salaries and employee benefits | $4,961,000 | 1,963 |
| Premises and equipment expense | $551,000 | 4,002 |
| Additional noninterest expense | $1,477,000 | 3,321 |
| Pre-tax net operating income | $3,719,000 | 2,372 |
| Securities gains (losses) | $9,000 | 1,119 |
| Applicable income taxes | $967,000 | 2,245 |
| Income before extraordinary items | $2,761,000 | 2,420 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,761,000 | 2,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,401 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,754,340 | 2,402 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,669,000 | 1,510 |
| Total interest expense | $12,498,000 | 977 |
| Net interest income | $7,171,000 | 2,406 |
| Provision for loan and lease losses | $-317,000 | 8,646 |
| Total noninterest income | $757,000 | 3,525 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $275,000 | 3,740 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $482,000 | 2,911 |
| Total noninterest expense | $5,208,000 | 2,527 |
| Salaries and employee benefits | $3,689,000 | 1,969 |
| Premises and equipment expense | $402,000 | 4,096 |
| Additional noninterest expense | $1,117,000 | 3,312 |
| Pre-tax net operating income | $3,037,000 | 2,304 |
| Securities gains (losses) | $9,000 | 918 |
| Applicable income taxes | $772,000 | 2,253 |
| Income before extraordinary items | $2,274,000 | 2,331 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,274,000 | 2,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,570 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,267,250 | 2,325 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,797,000 | 1,512 |
| Total interest expense | $7,943,000 | 972 |
| Net interest income | $4,854,000 | 2,383 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $511,000 | 3,476 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $164,000 | 3,961 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $347,000 | 2,771 |
| Total noninterest expense | $3,508,000 | 2,517 |
| Salaries and employee benefits | $2,504,000 | 1,945 |
| Premises and equipment expense | $275,000 | 4,040 |
| Additional noninterest expense | $729,000 | 3,358 |
| Pre-tax net operating income | $1,857,000 | 2,457 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $452,000 | 2,443 |
| Income before extraordinary items | $1,405,000 | 2,468 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,405,000 | 2,470 |
| 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 | $0 | 887 |
| Net operating income | $1,405,000 | 2,454 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,201,000 | 1,530 |
| Total interest expense | $3,691,000 | 982 |
| Net interest income | $2,510,000 | 2,319 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $239,000 | 3,578 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $77,000 | 4,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $162,000 | 2,832 |
| Total noninterest expense | $1,882,000 | 2,360 |
| Salaries and employee benefits | $1,221,000 | 2,010 |
| Premises and equipment expense | $142,000 | 3,946 |
| Additional noninterest expense | $519,000 | 2,465 |
| Pre-tax net operating income | $867,000 | 2,541 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $211,000 | 2,537 |
| Income before extraordinary items | $656,000 | 2,567 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $656,000 | 2,568 |
| 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 | $656,000 | 2,545 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,054,000 | 1,512 |
| Total interest expense | $11,037,000 | 1,010 |
| Net interest income | $11,017,000 | 2,011 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $580,000 | 4,873 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $379,000 | 3,679 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $201,000 | 5,145 |
| Total noninterest expense | $6,480,000 | 2,560 |
| Salaries and employee benefits | $4,511,000 | 2,040 |
| Premises and equipment expense | $517,000 | 4,078 |
| Additional noninterest expense | $1,452,000 | 3,314 |
| Pre-tax net operating income | $5,117,000 | 1,824 |
| Securities gains (losses) | $11,000 | 1,453 |
| Applicable income taxes | $1,360,000 | 1,824 |
| Income before extraordinary items | $3,768,000 | 1,826 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,768,000 | 1,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,759,970 | 1,806 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,945,000 | 1,528 |
| Total interest expense | $7,709,000 | 1,016 |
| Net interest income | $8,236,000 | 2,004 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $439,000 | 4,884 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $289,000 | 3,649 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $150,000 | 5,181 |
| Total noninterest expense | $4,904,000 | 2,518 |
| Salaries and employee benefits | $3,434,000 | 1,984 |
| Premises and equipment expense | $381,000 | 4,113 |
| Additional noninterest expense | $1,089,000 | 3,287 |
| Pre-tax net operating income | $3,771,000 | 1,852 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $979,000 | 1,909 |
| Income before extraordinary items | $2,802,000 | 1,870 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,802,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,794,600 | 1,835 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,162,000 | 1,573 |
| Total interest expense | $4,730,000 | 1,051 |
| Net interest income | $5,432,000 | 2,001 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $304,000 | 4,755 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $203,000 | 3,480 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $101,000 | 5,169 |
| Total noninterest expense | $3,234,000 | 2,513 |
| Salaries and employee benefits | $2,245,000 | 2,014 |
| Premises and equipment expense | $246,000 | 4,198 |
| Additional noninterest expense | $743,000 | 3,207 |
| Pre-tax net operating income | $2,502,000 | 1,842 |
| Securities gains (losses) | $10,000 | 1,355 |
| Applicable income taxes | $646,000 | 1,900 |
| Income before extraordinary items | $1,866,000 | 1,830 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,866,000 | 1,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,858,600 | 1,802 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,868,000 | 1,609 |
| Total interest expense | $2,174,000 | 1,079 |
| Net interest income | $2,694,000 | 2,001 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $155,000 | 4,629 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $102,000 | 3,402 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,055 |
| Total noninterest expense | $1,566,000 | 2,605 |
| Salaries and employee benefits | $1,101,000 | 2,079 |
| Premises and equipment expense | $114,000 | 4,448 |
| Additional noninterest expense | $351,000 | 3,354 |
| Pre-tax net operating income | $1,283,000 | 1,770 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $377,000 | 1,680 |
| Income before extraordinary items | $906,000 | 1,867 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $906,000 | 1,868 |
| 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 | $906,000 | 1,825 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,755,000 | 1,928 |
| Total interest expense | $5,171,000 | 1,596 |
| Net interest income | $9,584,000 | 2,126 |
| Provision for loan and lease losses | $261,000 | 3,178 |
| Total noninterest income | $623,000 | 4,724 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $389,000 | 3,710 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $234,000 | 4,768 |
| Total noninterest expense | $5,827,000 | 2,719 |
| Salaries and employee benefits | $4,140,000 | 2,101 |
| Premises and equipment expense | $391,000 | 4,838 |
| Additional noninterest expense | $1,296,000 | 3,536 |
| Pre-tax net operating income | $4,119,000 | 2,013 |
| Securities gains (losses) | $102,000 | 1,233 |
| Applicable income taxes | $1,491,000 | 1,606 |
| Income before extraordinary items | $2,730,000 | 2,241 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,730,000 | 2,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,663,700 | 2,247 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,535,000 | 1,993 |
| Total interest expense | $3,536,000 | 1,707 |
| Net interest income | $6,999,000 | 2,167 |
| Provision for loan and lease losses | $223,000 | 2,833 |
| Total noninterest income | $403,000 | 5,112 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $285,000 | 3,784 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $118,000 | 5,608 |
| Total noninterest expense | $4,310,000 | 2,723 |
| Salaries and employee benefits | $3,087,000 | 2,113 |
| Premises and equipment expense | $287,000 | 4,897 |
| Additional noninterest expense | $936,000 | 3,597 |
| Pre-tax net operating income | $2,869,000 | 2,145 |
| Securities gains (losses) | $102,000 | 1,160 |
| Applicable income taxes | $1,074,000 | 1,670 |
| Income before extraordinary items | $1,897,000 | 2,434 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,897,000 | 2,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,831,720 | 2,457 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,772,000 | 2,052 |
| Total interest expense | $2,259,000 | 1,756 |
| Net interest income | $4,513,000 | 2,215 |
| Provision for loan and lease losses | $128,000 | 3,010 |
| Total noninterest income | $265,000 | 5,136 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $185,000 | 3,835 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $80,000 | 5,602 |
| Total noninterest expense | $2,877,000 | 2,727 |
| Salaries and employee benefits | $2,051,000 | 2,126 |
| Premises and equipment expense | $194,000 | 4,859 |
| Additional noninterest expense | $632,000 | 3,589 |
| Pre-tax net operating income | $1,773,000 | 2,256 |
| Securities gains (losses) | $73,000 | 1,220 |
| Applicable income taxes | $668,000 | 1,769 |
| Income before extraordinary items | $1,178,000 | 2,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,178,000 | 2,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,131,280 | 2,583 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,342,000 | 2,092 |
| Total interest expense | $1,147,000 | 1,761 |
| Net interest income | $2,195,000 | 2,276 |
| Provision for loan and lease losses | $44,000 | 3,642 |
| Total noninterest income | $130,000 | 5,127 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $93,000 | 3,737 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $37,000 | 5,724 |
| Total noninterest expense | $1,474,000 | 2,672 |
| Salaries and employee benefits | $1,042,000 | 2,116 |
| Premises and equipment expense | $99,000 | 4,820 |
| Additional noninterest expense | $333,000 | 3,437 |
| Pre-tax net operating income | $807,000 | 2,413 |
| Securities gains (losses) | $73,000 | 971 |
| Applicable income taxes | $321,000 | 1,831 |
| Income before extraordinary items | $559,000 | 2,679 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $559,000 | 2,679 |
| 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 | $0 | 464 |
| Net operating income | $512,280 | 2,788 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,691,000 | 2,270 |
| Total interest expense | $4,308,000 | 2,071 |
| Net interest income | $8,383,000 | 2,313 |
| Provision for loan and lease losses | $327,000 | 2,986 |
| Total noninterest income | $498,000 | 5,450 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $358,000 | 3,890 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $140,000 | 5,948 |
| Total noninterest expense | $5,529,000 | 2,804 |
| Salaries and employee benefits | $3,902,000 | 2,177 |
| Premises and equipment expense | $417,000 | 4,596 |
| Additional noninterest expense | $1,210,000 | 3,705 |
| Pre-tax net operating income | $3,025,000 | 2,490 |
| Securities gains (losses) | $235,000 | 1,226 |
| Applicable income taxes | $1,052,000 | 2,108 |
| Income before extraordinary items | $2,208,000 | 2,654 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,208,000 | 2,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,048,200 | 2,683 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,533,000 | 2,297 |
| Total interest expense | $3,288,000 | 2,114 |
| Net interest income | $6,245,000 | 2,340 |
| Provision for loan and lease losses | $233,000 | 3,000 |
| Total noninterest income | $371,000 | 5,494 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $267,000 | 3,918 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $104,000 | 6,001 |
| Total noninterest expense | $4,192,000 | 2,775 |
| Salaries and employee benefits | $2,983,000 | 2,147 |
| Premises and equipment expense | $298,000 | 4,734 |
| Additional noninterest expense | $911,000 | 3,687 |
| Pre-tax net operating income | $2,191,000 | 2,654 |
| Securities gains (losses) | $138,000 | 1,481 |
| Applicable income taxes | $855,000 | 2,105 |
| Income before extraordinary items | $1,474,000 | 3,006 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,474,000 | 3,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,385,680 | 2,988 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,375,000 | 2,306 |
| Total interest expense | $2,285,000 | 2,101 |
| Net interest income | $4,090,000 | 2,374 |
| Provision for loan and lease losses | $139,000 | 3,249 |
| Total noninterest income | $274,000 | 5,225 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $174,000 | 3,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $100,000 | 5,330 |
| Total noninterest expense | $2,517,000 | 3,028 |
| Salaries and employee benefits | $1,791,000 | 2,356 |
| Premises and equipment expense | $198,000 | 4,733 |
| Additional noninterest expense | $528,000 | 4,066 |
| Pre-tax net operating income | $1,708,000 | 2,342 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $606,000 | 2,031 |
| Income before extraordinary items | $1,102,000 | 2,762 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,102,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,102,000 | 2,607 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,218,000 | 2,291 |
| Total interest expense | $1,162,000 | 2,108 |
| Net interest income | $2,056,000 | 2,360 |
| Provision for loan and lease losses | $77,000 | 2,778 |
| Total noninterest income | $115,000 | 5,560 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $85,000 | 3,938 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $30,000 | 6,231 |
| Total noninterest expense | $1,233,000 | 3,067 |
| Salaries and employee benefits | $886,000 | 2,376 |
| Premises and equipment expense | $102,000 | 4,629 |
| Additional noninterest expense | $245,000 | 4,281 |
| Pre-tax net operating income | $861,000 | 2,325 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $307,000 | 2,016 |
| Income before extraordinary items | $554,000 | 2,720 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $554,000 | 2,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $554,000 | 2,585 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,161,000 | 2,532 |
| Total interest expense | $4,911,000 | 2,286 |
| Net interest income | $7,250,000 | 2,631 |
| Provision for loan and lease losses | $716,000 | 1,795 |
| Total noninterest income | $463,000 | 5,428 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $341,000 | 3,939 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $122,000 | 6,029 |
| Total noninterest expense | $4,629,000 | 3,145 |
| Salaries and employee benefits | $3,089,000 | 2,552 |
| Premises and equipment expense | $410,000 | 4,561 |
| Additional noninterest expense | $1,130,000 | 3,779 |
| Pre-tax net operating income | $2,368,000 | 3,008 |
| Securities gains (losses) | $402,000 | 753 |
| Applicable income taxes | $1,017,000 | 2,182 |
| Income before extraordinary items | $1,753,000 | 3,099 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,753,000 | 3,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,495,720 | 3,411 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,424,000 | 2,734 |
| Total interest expense | $6,600,000 | 2,434 |
| Net interest income | $5,824,000 | 3,014 |
| Provision for loan and lease losses | $422,000 | 2,501 |
| Total noninterest income | $347,000 | 6,044 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $260,000 | 4,548 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $87,000 | 6,726 |
| Total noninterest expense | $3,979,000 | 3,447 |
| Salaries and employee benefits | $2,520,000 | 2,931 |
| Premises and equipment expense | $490,000 | 3,943 |
| Additional noninterest expense | $969,000 | 4,170 |
| Pre-tax net operating income | $1,770,000 | 3,472 |
| Securities gains (losses) | $306,000 | 888 |
| Applicable income taxes | $750,000 | 2,548 |
| Income before extraordinary items | $1,326,000 | 3,540 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,326,000 | 3,542 |
| 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 | $1,130,160 | 3,832 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,070,000 | 3,122 |
| Total interest expense | $6,290,000 | 2,659 |
| Net interest income | $4,780,000 | 3,613 |
| Provision for loan and lease losses | $582,000 | 1,670 |
| Total noninterest income | $225,000 | 7,026 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $152,000 | 5,729 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $73,000 | 7,104 |
| Total noninterest expense | $3,167,000 | 4,050 |
| Salaries and employee benefits | $1,935,000 | 3,563 |
| Premises and equipment expense | $397,000 | 4,532 |
| Additional noninterest expense | $835,000 | 4,597 |
| Pre-tax net operating income | $1,256,000 | 4,609 |
| Securities gains (losses) | $-20,000 | 8,739 |
| Applicable income taxes | $364,000 | 4,187 |
| Income before extraordinary items | $872,000 | 4,776 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $872,000 | 4,775 |
| 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 | $0 | 969 |
| Net operating income | $886,200 | 4,730 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,370,000 | 4,209 |
| Total interest expense | $3,847,000 | 3,712 |
| Net interest income | $3,523,000 | 4,638 |
| Provision for loan and lease losses | $518,000 | 1,718 |
| Total noninterest income | $98,000 | 8,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 6,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $2,587,000 | 4,754 |
| Salaries and employee benefits | $1,495,000 | 4,356 |
| Premises and equipment expense | $433,000 | 4,251 |
| Additional noninterest expense | $659,000 | 5,475 |
| Pre-tax net operating income | $516,000 | 7,074 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $516,000 | 6,321 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $516,000 | 6,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $6,300,000 | 184 |
| Net operating income | $516,000 | 6,303 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,790,000 | 5,842 |
| Total interest expense | $2,699,000 | 5,102 |
| Net interest income | $2,091,000 | 6,505 |
| Provision for loan and lease losses | $392,000 | 2,100 |
| Total noninterest income | $42,000 | 9,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 8,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,838 |
| Total noninterest expense | $2,044,000 | 5,518 |
| Salaries and employee benefits | $1,047,000 | 5,595 |
| Premises and equipment expense | $450,000 | 4,010 |
| Additional noninterest expense | $547,000 | 6,110 |
| Pre-tax net operating income | $-303,000 | 10,073 |
| Securities gains (losses) | $117,000 | 1,187 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-186,000 | 10,036 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-186,000 | 10,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-303,000 | 10,093 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,956,000 | 9,066 |
| Total interest expense | $943,000 | 8,844 |
| Net interest income | $1,013,000 | 9,151 |
| Provision for loan and lease losses | $360,000 | 2,248 |
| Total noninterest income | $2,000 | 10,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,432 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,861 |
| Total noninterest expense | $1,313,000 | 7,289 |
| Salaries and employee benefits | $672,000 | 7,482 |
| Premises and equipment expense | $287,000 | 5,575 |
| Additional noninterest expense | $354,000 | 7,767 |
| Pre-tax net operating income | $-658,000 | 10,788 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-656,000 | 10,795 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-656,000 | 10,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-658,000 | 10,783 |
* 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.