Home > Stearns Bank Arizona > Income and Expense
Stearns Bank Arizona, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,645,000 | 2,023 |
| Total interest expense | $5,181,000 | 2,656 |
| Net interest income | $10,464,000 | 1,625 |
| Provision for loan and lease losses | $2,700,000 | 410 |
| Total noninterest income | $2,026,000 | 1,771 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $86,000 | 5,863 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,940,000 | 1,149 |
| Total noninterest expense | $4,483,000 | 2,955 |
| Salaries and employee benefits | $2,824,000 | 2,615 |
| Premises and equipment expense | $319,000 | 4,824 |
| Additional noninterest expense | $1,340,000 | 2,893 |
| Pre-tax net operating income | $5,307,000 | 1,288 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $5,307,000 | 983 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,307,000 | 981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $815,000 | 755 |
| Cash dividends | $3,050,000 | 845 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,307,000 | 971 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,004,000 | 1,940 |
| Total interest expense | $3,510,000 | 2,611 |
| Net interest income | $7,494,000 | 1,542 |
| Provision for loan and lease losses | $1,300,000 | 480 |
| Total noninterest income | $1,557,000 | 1,629 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $47,000 | 6,168 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,510,000 | 1,041 |
| Total noninterest expense | $2,871,000 | 3,075 |
| Salaries and employee benefits | $1,789,000 | 2,773 |
| Premises and equipment expense | $213,000 | 4,833 |
| Additional noninterest expense | $869,000 | 2,972 |
| Pre-tax net operating income | $4,880,000 | 979 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $4,880,000 | 744 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,880,000 | 743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $1,800,000 | 968 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,880,000 | 738 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,520,000 | 1,927 |
| Total interest expense | $1,751,000 | 2,609 |
| Net interest income | $3,769,000 | 1,526 |
| Provision for loan and lease losses | $700,000 | 391 |
| Total noninterest income | $1,067,000 | 1,238 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $19,000 | 6,411 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,048,000 | 807 |
| Total noninterest expense | $1,424,000 | 3,112 |
| Salaries and employee benefits | $882,000 | 2,834 |
| Premises and equipment expense | $112,000 | 4,711 |
| Additional noninterest expense | $430,000 | 2,979 |
| Pre-tax net operating income | $2,712,000 | 869 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $2,712,000 | 668 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,712,000 | 667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,384 |
| Cash dividends | $800,000 | 962 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,712,000 | 658 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,849,000 | 1,847 |
| Total interest expense | $6,602,000 | 2,393 |
| Net interest income | $15,247,000 | 1,497 |
| Provision for loan and lease losses | $4,100,000 | 293 |
| Total noninterest income | $1,960,000 | 2,259 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $78,000 | 6,470 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,882,000 | 1,429 |
| Total noninterest expense | $5,712,000 | 2,991 |
| Salaries and employee benefits | $3,465,000 | 2,751 |
| Premises and equipment expense | $424,000 | 4,743 |
| Additional noninterest expense | $1,823,000 | 2,784 |
| Pre-tax net operating income | $7,395,000 | 1,334 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,000 | 6,435 |
| Income before extraordinary items | $7,393,000 | 1,013 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,393,000 | 1,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,238,000 | 575 |
| Cash dividends | $850,000 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $7,393,000 | 999 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,372,000 | 1,842 |
| Total interest expense | $4,790,000 | 2,403 |
| Net interest income | $11,582,000 | 1,497 |
| Provision for loan and lease losses | $2,900,000 | 287 |
| Total noninterest income | $1,462,000 | 2,269 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $55,000 | 6,616 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,407,000 | 1,423 |
| Total noninterest expense | $4,151,000 | 3,076 |
| Salaries and employee benefits | $2,578,000 | 2,771 |
| Premises and equipment expense | $316,000 | 4,760 |
| Additional noninterest expense | $1,257,000 | 2,998 |
| Pre-tax net operating income | $5,993,000 | 1,276 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,000 | 6,519 |
| Income before extraordinary items | $5,991,000 | 963 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,991,000 | 962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,955 |
| Cash dividends | $300,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,991,000 | 949 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,817,000 | 1,825 |
| Total interest expense | $3,002,000 | 2,440 |
| Net interest income | $7,815,000 | 1,476 |
| Provision for loan and lease losses | $1,700,000 | 317 |
| Total noninterest income | $940,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $36,000 | 6,669 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $904,000 | 1,465 |
| Total noninterest expense | $2,801,000 | 3,059 |
| Salaries and employee benefits | $1,728,000 | 2,765 |
| Premises and equipment expense | $215,000 | 4,718 |
| Additional noninterest expense | $858,000 | 2,941 |
| Pre-tax net operating income | $4,254,000 | 1,189 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,000 | 6,505 |
| Income before extraordinary items | $4,252,000 | 914 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,252,000 | 915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,252,000 | 895 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,035,000 | 1,900 |
| Total interest expense | $1,337,000 | 2,581 |
| Net interest income | $3,698,000 | 1,545 |
| Provision for loan and lease losses | $700,000 | 353 |
| Total noninterest income | $443,000 | 2,378 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $424,000 | 1,508 |
| Total noninterest expense | $1,396,000 | 3,070 |
| Salaries and employee benefits | $849,000 | 2,824 |
| Premises and equipment expense | $110,000 | 4,666 |
| Additional noninterest expense | $437,000 | 2,880 |
| Pre-tax net operating income | $2,045,000 | 1,208 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,000 | 6,346 |
| Income before extraordinary items | $2,043,000 | 932 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,043,000 | 931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,043,000 | 911 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,358,000 | 2,168 |
| Total interest expense | $2,951,000 | 3,376 |
| Net interest income | $12,407,000 | 1,768 |
| Provision for loan and lease losses | $3,350,000 | 330 |
| Total noninterest income | $2,127,000 | 2,112 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $139,000 | 5,751 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,988,000 | 1,370 |
| Total noninterest expense | $4,991,000 | 3,245 |
| Salaries and employee benefits | $2,900,000 | 3,065 |
| Premises and equipment expense | $441,000 | 4,559 |
| Additional noninterest expense | $1,650,000 | 3,001 |
| Pre-tax net operating income | $6,193,000 | 1,543 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $6,199,000 | 1,166 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,199,000 | 1,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,468 |
| Cash dividends | $1,750,000 | 1,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,193,000 | 1,144 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,998,000 | 2,211 |
| Total interest expense | $1,932,000 | 3,603 |
| Net interest income | $9,066,000 | 1,807 |
| Provision for loan and lease losses | $2,150,000 | 354 |
| Total noninterest income | $1,575,000 | 2,126 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $119,000 | 5,541 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,456,000 | 1,397 |
| Total noninterest expense | $3,650,000 | 3,284 |
| Salaries and employee benefits | $1,967,000 | 3,319 |
| Premises and equipment expense | $336,000 | 4,483 |
| Additional noninterest expense | $1,347,000 | 2,735 |
| Pre-tax net operating income | $4,841,000 | 1,482 |
| Securities gains (losses) | $7,000 | 1,597 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $4,848,000 | 1,113 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,848,000 | 1,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,387 |
| Cash dividends | $1,750,000 | 1,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,841,000 | 1,094 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,854,000 | 2,304 |
| Total interest expense | $1,087,000 | 3,906 |
| Net interest income | $5,767,000 | 1,882 |
| Provision for loan and lease losses | $1,150,000 | 434 |
| Total noninterest income | $788,000 | 2,567 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $59,000 | 6,042 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $729,000 | 1,690 |
| Total noninterest expense | $2,241,000 | 3,494 |
| Salaries and employee benefits | $1,245,000 | 3,451 |
| Premises and equipment expense | $217,000 | 4,540 |
| Additional noninterest expense | $779,000 | 3,087 |
| Pre-tax net operating income | $3,164,000 | 1,481 |
| Securities gains (losses) | $7,000 | 1,472 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $3,171,000 | 1,106 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,171,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,382 |
| Cash dividends | $1,750,000 | 829 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,164,000 | 1,086 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,108,000 | 2,490 |
| Total interest expense | $454,000 | 4,310 |
| Net interest income | $2,654,000 | 2,034 |
| Provision for loan and lease losses | $250,000 | 917 |
| Total noninterest income | $353,000 | 2,713 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $30,000 | 5,982 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $323,000 | 1,811 |
| Total noninterest expense | $1,069,000 | 3,648 |
| Salaries and employee benefits | $551,000 | 3,807 |
| Premises and equipment expense | $103,000 | 4,762 |
| Additional noninterest expense | $415,000 | 2,926 |
| Pre-tax net operating income | $1,688,000 | 1,364 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,688,000 | 1,033 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,688,000 | 1,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $1,750,000 | 414 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,688,000 | 1,007 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,499,000 | 2,696 |
| Total interest expense | $1,142,000 | 5,260 |
| Net interest income | $9,357,000 | 2,178 |
| Provision for loan and lease losses | $1,500,000 | 720 |
| Total noninterest income | $996,000 | 3,565 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $148,000 | 5,807 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $848,000 | 2,398 |
| Total noninterest expense | $3,552,000 | 4,125 |
| Salaries and employee benefits | $1,976,000 | 4,034 |
| Premises and equipment expense | $344,000 | 5,281 |
| Additional noninterest expense | $1,232,000 | 3,659 |
| Pre-tax net operating income | $5,301,000 | 1,610 |
| Securities gains (losses) | $14,000 | 2,631 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $5,315,000 | 1,226 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,315,000 | 1,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,519 |
| Cash dividends | $1,830,000 | 1,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,301,000 | 1,198 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,448,000 | 2,810 |
| Total interest expense | $768,000 | 5,564 |
| Net interest income | $6,680,000 | 2,260 |
| Provision for loan and lease losses | $850,000 | 903 |
| Total noninterest income | $758,000 | 3,538 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $108,000 | 5,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $650,000 | 2,380 |
| Total noninterest expense | $2,463,000 | 4,347 |
| Salaries and employee benefits | $1,394,000 | 4,194 |
| Premises and equipment expense | $251,000 | 5,329 |
| Additional noninterest expense | $818,000 | 4,024 |
| Pre-tax net operating income | $4,125,000 | 1,561 |
| Securities gains (losses) | $15,000 | 2,477 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $4,140,000 | 1,192 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,140,000 | 1,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,098 |
| Cash dividends | $1,080,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,125,000 | 1,162 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,850,000 | 2,868 |
| Total interest expense | $482,000 | 5,755 |
| Net interest income | $4,368,000 | 2,289 |
| Provision for loan and lease losses | $350,000 | 1,369 |
| Total noninterest income | $357,000 | 4,375 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $70,000 | 5,970 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $287,000 | 3,065 |
| Total noninterest expense | $1,605,000 | 4,445 |
| Salaries and employee benefits | $903,000 | 4,304 |
| Premises and equipment expense | $162,000 | 5,446 |
| Additional noninterest expense | $540,000 | 4,074 |
| Pre-tax net operating income | $2,770,000 | 1,526 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $2,770,000 | 1,181 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,770,000 | 1,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,681 |
| Cash dividends | $515,000 | 2,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,770,000 | 1,138 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,687,000 | 2,600 |
| Total interest expense | $243,000 | 5,793 |
| Net interest income | $2,444,000 | 2,048 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $62,000 | 6,798 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $36,000 | 5,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $782,000 | 4,547 |
| Salaries and employee benefits | $442,000 | 4,404 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $262,000 | 4,155 |
| Pre-tax net operating income | $1,574,000 | 1,331 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $1,574,000 | 1,046 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,574,000 | 1,046 |
| 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 | $1,574,000 | 982 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,759,000 | 3,526 |
| Total interest expense | $1,021,000 | 6,060 |
| Net interest income | $6,738,000 | 2,847 |
| Provision for loan and lease losses | $895,000 | 1,336 |
| Total noninterest income | $789,000 | 4,264 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $137,000 | 6,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $652,000 | 3,099 |
| Total noninterest expense | $3,026,000 | 4,584 |
| Salaries and employee benefits | $1,676,000 | 4,481 |
| Premises and equipment expense | $285,000 | 5,813 |
| Additional noninterest expense | $1,065,000 | 4,079 |
| Pre-tax net operating income | $3,606,000 | 2,161 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $397,000 | 3,795 |
| Income before extraordinary items | $3,209,000 | 1,925 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,209,000 | 1,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 2,479 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,209,000 | 1,841 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,647,000 | 3,644 |
| Total interest expense | $782,000 | 6,134 |
| Net interest income | $4,865,000 | 2,975 |
| Provision for loan and lease losses | $745,000 | 1,155 |
| Total noninterest income | $759,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $101,000 | 6,107 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $658,000 | 2,677 |
| Total noninterest expense | $2,172,000 | 4,704 |
| Salaries and employee benefits | $1,185,000 | 4,664 |
| Premises and equipment expense | $213,000 | 5,819 |
| Additional noninterest expense | $774,000 | 4,153 |
| Pre-tax net operating income | $2,707,000 | 2,220 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $397,000 | 3,430 |
| Income before extraordinary items | $2,310,000 | 2,064 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,310,000 | 2,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 1,979 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,310,000 | 1,953 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,595,000 | 3,809 |
| Total interest expense | $544,000 | 6,130 |
| Net interest income | $3,051,000 | 3,142 |
| Provision for loan and lease losses | $422,000 | 1,329 |
| Total noninterest income | $529,000 | 3,624 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $69,000 | 6,045 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $460,000 | 2,569 |
| Total noninterest expense | $1,400,000 | 4,811 |
| Salaries and employee benefits | $756,000 | 4,821 |
| Premises and equipment expense | $140,000 | 5,867 |
| Additional noninterest expense | $504,000 | 4,217 |
| Pre-tax net operating income | $1,758,000 | 2,287 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $397,000 | 2,710 |
| Income before extraordinary items | $1,361,000 | 2,295 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,361,000 | 2,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 1,377 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,361,000 | 2,171 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,610,000 | 4,211 |
| Total interest expense | $289,000 | 6,057 |
| Net interest income | $1,321,000 | 3,536 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $322,000 | 3,091 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $288,000 | 2,167 |
| Total noninterest expense | $745,000 | 4,590 |
| Salaries and employee benefits | $377,000 | 4,836 |
| Premises and equipment expense | $113,000 | 4,362 |
| Additional noninterest expense | $255,000 | 4,142 |
| Pre-tax net operating income | $808,000 | 2,449 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $397,000 | 1,632 |
| Income before extraordinary items | $411,000 | 3,391 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $411,000 | 3,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $411,000 | 3,225 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,552,000 | 4,271 |
| Total interest expense | $1,367,000 | 6,023 |
| Net interest income | $5,185,000 | 3,553 |
| Provision for loan and lease losses | $547,000 | 2,233 |
| Total noninterest income | $321,000 | 6,313 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $107,000 | 6,461 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $214,000 | 4,880 |
| Total noninterest expense | $2,818,000 | 4,665 |
| Salaries and employee benefits | $1,433,000 | 4,862 |
| Premises and equipment expense | $298,000 | 5,605 |
| Additional noninterest expense | $1,087,000 | 3,923 |
| Pre-tax net operating income | $2,141,000 | 3,281 |
| Securities gains (losses) | $63,000 | 2,193 |
| Applicable income taxes | $878,000 | 2,425 |
| Income before extraordinary items | $1,326,000 | 3,838 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,326,000 | 3,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,741 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-197,000 | 9,268 |
| Net operating income | $1,285,680 | 3,808 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,268,000 | 4,814 |
| Total interest expense | $2,254,000 | 5,741 |
| Net interest income | $4,014,000 | 4,117 |
| Provision for loan and lease losses | $370,000 | 2,780 |
| Total noninterest income | $176,000 | 7,566 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $146,000 | 5,853 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $30,000 | 8,341 |
| Total noninterest expense | $2,323,000 | 5,210 |
| Salaries and employee benefits | $1,215,000 | 5,267 |
| Premises and equipment expense | $282,000 | 5,723 |
| Additional noninterest expense | $826,000 | 4,687 |
| Pre-tax net operating income | $1,497,000 | 3,871 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $596,000 | 2,982 |
| Income before extraordinary items | $901,000 | 4,567 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $901,000 | 4,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 3,270 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $901,000 | 4,449 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,796,000 | 5,206 |
| Total interest expense | $2,481,000 | 5,582 |
| Net interest income | $3,315,000 | 4,807 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $176,000 | 7,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 7,858 |
| Total noninterest expense | $2,203,000 | 5,327 |
| Salaries and employee benefits | $1,005,000 | 5,891 |
| Premises and equipment expense | $261,000 | 5,893 |
| Additional noninterest expense | $937,000 | 4,208 |
| Pre-tax net operating income | $988,000 | 5,284 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $389,000 | 4,028 |
| Income before extraordinary items | $599,000 | 5,857 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $599,000 | 5,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,073 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $599,000 | 5,869 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,537,000 | 6,782 |
| Total interest expense | $1,508,000 | 6,954 |
| Net interest income | $2,029,000 | 6,589 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $110,000 | 8,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,501 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 8,198 |
| Total noninterest expense | $1,656,000 | 6,393 |
| Salaries and employee benefits | $733,000 | 7,058 |
| Premises and equipment expense | $212,000 | 6,619 |
| Additional noninterest expense | $711,000 | 5,192 |
| Pre-tax net operating income | $243,000 | 8,373 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $243,000 | 7,984 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $243,000 | 7,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,310 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $243,000 | 7,959 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,510,000 | 8,088 |
| Total interest expense | $1,089,000 | 8,179 |
| Net interest income | $1,421,000 | 7,862 |
| Provision for loan and lease losses | $212,000 | 3,392 |
| Total noninterest income | $21,000 | 10,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 8,758 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,240 |
| Total noninterest expense | $1,178,000 | 7,603 |
| Salaries and employee benefits | $483,000 | 8,463 |
| Premises and equipment expense | $157,000 | 7,493 |
| Additional noninterest expense | $538,000 | 6,178 |
| Pre-tax net operating income | $52,000 | 9,609 |
| Securities gains (losses) | $39,000 | 1,926 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $91,000 | 9,393 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $91,000 | 9,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,888 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $52,000 | 9,554 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $559,000 | 10,674 |
| Total interest expense | $204,000 | 10,665 |
| Net interest income | $355,000 | 10,615 |
| Provision for loan and lease losses | $121,000 | 4,616 |
| Total noninterest income | $29,000 | 10,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,525 |
| Total noninterest expense | $591,000 | 9,784 |
| Salaries and employee benefits | $375,000 | 9,419 |
| Premises and equipment expense | $65,000 | 9,839 |
| Additional noninterest expense | $151,000 | 9,980 |
| Pre-tax net operating income | $-328,000 | 10,652 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-328,000 | 10,689 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-328,000 | 10,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-328,000 | 10,669 |
* 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.