Home > Strategic Capital Bank > Income and Expense
Strategic Capital Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $8,799,000 | 1,007 |
| Total interest expense | $5,891,000 | 561 |
| Net interest income | $2,908,000 | 1,892 |
| Provision for loan and lease losses | $-1,538,000 | 8,243 |
| Total noninterest income | $352,000 | 2,717 |
| Gross Fiduciary activities income | $342,000 | 312 |
| Service charges on deposit accounts | $7,000 | 6,895 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,000 | 7,508 |
| Total noninterest expense | $1,791,000 | 2,694 |
| Salaries and employee benefits | $658,000 | 3,658 |
| Premises and equipment expense | $162,000 | 3,754 |
| Additional noninterest expense | $971,000 | 1,670 |
| Pre-tax net operating income | $3,007,000 | 406 |
| Securities gains (losses) | $-1,379,000 | 8,150 |
| Applicable income taxes | $21,000 | 3,530 |
| Income before extraordinary items | $1,607,000 | 625 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,607,000 | 625 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,607,000 | 627 |
| Net charge-offs | $-1,000 | 7,151 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $2,972,210 | 310 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $40,461,000 | 924 |
| Total interest expense | $24,713,000 | 650 |
| Net interest income | $15,748,000 | 1,413 |
| Provision for loan and lease losses | $21,145,000 | 357 |
| Total noninterest income | $2,088,000 | 2,076 |
| Gross Fiduciary activities income | $2,047,000 | 261 |
| Service charges on deposit accounts | $21,000 | 7,028 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $20,000 | 7,432 |
| Total noninterest expense | $6,330,000 | 2,924 |
| Salaries and employee benefits | $2,921,000 | 3,327 |
| Premises and equipment expense | $701,000 | 3,508 |
| Additional noninterest expense | $2,708,000 | 2,204 |
| Pre-tax net operating income | $-9,639,000 | 7,982 |
| Securities gains (losses) | $-13,006,000 | 8,190 |
| Applicable income taxes | $-23,000 | 6,862 |
| Income before extraordinary items | $-22,622,000 | 8,114 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-22,622,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,186,000 | 354 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-9,616,000 | 8,021 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $31,075,000 | 933 |
| Total interest expense | $18,258,000 | 684 |
| Net interest income | $12,817,000 | 1,319 |
| Provision for loan and lease losses | $9,701,000 | 414 |
| Total noninterest income | $1,700,000 | 2,012 |
| Gross Fiduciary activities income | $1,672,000 | 256 |
| Service charges on deposit accounts | $15,000 | 7,089 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $13,000 | 7,670 |
| Total noninterest expense | $4,527,000 | 3,036 |
| Salaries and employee benefits | $2,270,000 | 3,257 |
| Premises and equipment expense | $531,000 | 3,506 |
| Additional noninterest expense | $1,726,000 | 2,454 |
| Pre-tax net operating income | $289,000 | 5,680 |
| Securities gains (losses) | $-7,493,000 | 8,253 |
| Applicable income taxes | $31,000 | 4,397 |
| Income before extraordinary items | $-7,235,000 | 8,182 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-7,235,000 | 8,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,523,000 | 370 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $258,000 | 5,579 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $19,727,000 | 988 |
| Total interest expense | $11,141,000 | 766 |
| Net interest income | $8,586,000 | 1,300 |
| Provision for loan and lease losses | $9,649,000 | 282 |
| Total noninterest income | $1,191,000 | 1,960 |
| Gross Fiduciary activities income | $1,171,000 | 254 |
| Service charges on deposit accounts | $12,000 | 7,080 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $8,000 | 7,784 |
| Total noninterest expense | $2,784,000 | 3,284 |
| Salaries and employee benefits | $1,540,000 | 3,258 |
| Premises and equipment expense | $380,000 | 3,340 |
| Additional noninterest expense | $864,000 | 3,120 |
| Pre-tax net operating income | $-2,656,000 | 8,220 |
| Securities gains (losses) | $451,000 | 346 |
| Applicable income taxes | $13,000 | 4,890 |
| Income before extraordinary items | $-2,218,000 | 8,233 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,218,000 | 8,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,546,000 | 248 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,669,000 | 8,250 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,253,000 | 1,226 |
| Total interest expense | $4,896,000 | 927 |
| Net interest income | $3,357,000 | 1,657 |
| Provision for loan and lease losses | $5,349,000 | 209 |
| Total noninterest income | $588,000 | 1,987 |
| Gross Fiduciary activities income | $579,000 | 254 |
| Service charges on deposit accounts | $6,000 | 7,087 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 7,909 |
| Total noninterest expense | $1,405,000 | 3,258 |
| Salaries and employee benefits | $702,000 | 3,537 |
| Premises and equipment expense | $146,000 | 4,066 |
| Additional noninterest expense | $557,000 | 2,474 |
| Pre-tax net operating income | $-2,809,000 | 8,394 |
| Securities gains (losses) | $50,000 | 1,087 |
| Applicable income taxes | $-5,000 | 7,798 |
| Income before extraordinary items | $-2,754,000 | 8,409 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,754,000 | 8,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,849,000 | 167 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-2,804,000 | 8,410 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,831,000 | 2,310 |
| Total interest expense | $11,408,000 | 1,756 |
| Net interest income | $6,423,000 | 3,337 |
| Provision for loan and lease losses | $800,000 | 1,675 |
| Total noninterest income | $2,632,000 | 1,803 |
| Gross Fiduciary activities income | $2,544,000 | 243 |
| Service charges on deposit accounts | $21,000 | 7,139 |
| Trading account gains and fees | $45,000 | 143 |
| Additional Noninterest Income | $22,000 | 7,751 |
| Total noninterest expense | $4,289,000 | 3,904 |
| Salaries and employee benefits | $2,295,000 | 3,960 |
| Premises and equipment expense | $629,000 | 3,710 |
| Additional noninterest expense | $1,365,000 | 3,697 |
| Pre-tax net operating income | $3,966,000 | 1,999 |
| Securities gains (losses) | $-377,000 | 8,337 |
| Applicable income taxes | $62,000 | 4,808 |
| Income before extraordinary items | $3,527,000 | 1,781 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,527,000 | 1,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $750,000 | 1,268 |
| Cash dividends | $3,900,000 | 946 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,896,460 | 1,625 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,363,000 | 2,480 |
| Total interest expense | $7,869,000 | 1,883 |
| Net interest income | $4,494,000 | 3,516 |
| Provision for loan and lease losses | $500,000 | 1,569 |
| Total noninterest income | $1,941,000 | 1,824 |
| Gross Fiduciary activities income | $1,906,000 | 241 |
| Service charges on deposit accounts | $16,000 | 7,169 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $19,000 | 7,708 |
| Total noninterest expense | $3,008,000 | 4,084 |
| Salaries and employee benefits | $1,657,000 | 4,055 |
| Premises and equipment expense | $462,000 | 3,766 |
| Additional noninterest expense | $889,000 | 4,047 |
| Pre-tax net operating income | $2,927,000 | 2,149 |
| Securities gains (losses) | $-224,000 | 8,387 |
| Applicable income taxes | $44,000 | 5,031 |
| Income before extraordinary items | $2,659,000 | 1,895 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,659,000 | 1,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $2,900,000 | 905 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,878,520 | 1,743 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,840,000 | 2,600 |
| Total interest expense | $4,985,000 | 1,965 |
| Net interest income | $2,855,000 | 3,669 |
| Provision for loan and lease losses | $200,000 | 2,152 |
| Total noninterest income | $1,300,000 | 1,841 |
| Gross Fiduciary activities income | $1,275,000 | 246 |
| Service charges on deposit accounts | $10,000 | 7,225 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $15,000 | 7,629 |
| Total noninterest expense | $1,984,000 | 4,146 |
| Salaries and employee benefits | $1,077,000 | 4,177 |
| Premises and equipment expense | $334,000 | 3,567 |
| Additional noninterest expense | $573,000 | 4,150 |
| Pre-tax net operating income | $1,971,000 | 2,191 |
| Securities gains (losses) | $-54,000 | 8,319 |
| Applicable income taxes | $35,000 | 5,013 |
| Income before extraordinary items | $1,882,000 | 1,844 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,882,000 | 1,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $2,150,000 | 824 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,934,920 | 1,776 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,829,000 | 2,643 |
| Total interest expense | $2,475,000 | 1,959 |
| Net interest income | $1,354,000 | 3,810 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $640,000 | 1,850 |
| Gross Fiduciary activities income | $630,000 | 245 |
| Service charges on deposit accounts | $4,000 | 7,300 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $988,000 | 4,183 |
| Salaries and employee benefits | $530,000 | 4,247 |
| Premises and equipment expense | $174,000 | 3,473 |
| Additional noninterest expense | $284,000 | 4,126 |
| Pre-tax net operating income | $1,006,000 | 2,155 |
| Securities gains (losses) | $-32,000 | 8,438 |
| Applicable income taxes | $26,000 | 4,731 |
| Income before extraordinary items | $948,000 | 1,799 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $948,000 | 1,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $1,450,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $979,040 | 1,734 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,734,000 | 2,749 |
| Total interest expense | $8,062,000 | 2,030 |
| Net interest income | $5,672,000 | 3,666 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $2,256,000 | 2,036 |
| Gross Fiduciary activities income | $2,249,000 | 253 |
| Service charges on deposit accounts | $18,000 | 7,306 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-11,000 | 8,641 |
| Total noninterest expense | $3,954,000 | 4,031 |
| Salaries and employee benefits | $2,231,000 | 3,939 |
| Premises and equipment expense | $655,000 | 3,515 |
| Additional noninterest expense | $1,068,000 | 4,306 |
| Pre-tax net operating income | $3,854,000 | 2,321 |
| Securities gains (losses) | $-407,000 | 8,494 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $3,447,000 | 2,043 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,447,000 | 2,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,871 |
| Cash dividends | $1,950,000 | 1,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,854,000 | 1,831 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,112,000 | 2,771 |
| Total interest expense | $5,888,000 | 2,024 |
| Net interest income | $4,224,000 | 3,709 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $1,750,000 | 1,992 |
| Gross Fiduciary activities income | $1,652,000 | 260 |
| Service charges on deposit accounts | $13,000 | 7,381 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $85,000 | 6,123 |
| Total noninterest expense | $2,846,000 | 4,129 |
| Salaries and employee benefits | $1,591,000 | 4,073 |
| Premises and equipment expense | $457,000 | 3,736 |
| Additional noninterest expense | $798,000 | 4,269 |
| Pre-tax net operating income | $3,038,000 | 2,303 |
| Securities gains (losses) | $-324,000 | 8,594 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $2,714,000 | 2,003 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,714,000 | 2,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,056 |
| Cash dividends | $1,700,000 | 1,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,038,000 | 1,795 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,620,000 | 2,778 |
| Total interest expense | $3,898,000 | 1,950 |
| Net interest income | $2,722,000 | 3,814 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $1,292,000 | 1,849 |
| Gross Fiduciary activities income | $1,101,000 | 265 |
| Service charges on deposit accounts | $10,000 | 7,398 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $181,000 | 3,931 |
| Total noninterest expense | $1,888,000 | 4,156 |
| Salaries and employee benefits | $1,078,000 | 4,040 |
| Premises and equipment expense | $280,000 | 3,986 |
| Additional noninterest expense | $530,000 | 4,286 |
| Pre-tax net operating income | $2,066,000 | 2,247 |
| Securities gains (losses) | $-60,000 | 8,414 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $2,006,000 | 1,827 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,006,000 | 1,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 1,348 |
| Cash dividends | $1,200,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,066,000 | 1,750 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,219,000 | 2,791 |
| Total interest expense | $1,891,000 | 1,918 |
| Net interest income | $1,328,000 | 3,877 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $725,000 | 1,652 |
| Gross Fiduciary activities income | $547,000 | 263 |
| Service charges on deposit accounts | $6,000 | 7,374 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $172,000 | 2,740 |
| Total noninterest expense | $960,000 | 4,127 |
| Salaries and employee benefits | $549,000 | 4,004 |
| Premises and equipment expense | $140,000 | 3,988 |
| Additional noninterest expense | $271,000 | 4,222 |
| Pre-tax net operating income | $1,063,000 | 2,172 |
| Securities gains (losses) | $-31,000 | 8,470 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,032,000 | 1,736 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,032,000 | 1,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,166 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,063,000 | 1,670 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,386,000 | 2,645 |
| Total interest expense | $6,001,000 | 1,882 |
| Net interest income | $6,385,000 | 3,257 |
| Provision for loan and lease losses | $505,000 | 1,879 |
| Total noninterest income | $2,720,000 | 1,746 |
| Gross Fiduciary activities income | $2,011,000 | 270 |
| Service charges on deposit accounts | $27,000 | 7,382 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $682,000 | 2,823 |
| Total noninterest expense | $4,896,000 | 3,293 |
| Salaries and employee benefits | $3,008,000 | 2,954 |
| Premises and equipment expense | $575,000 | 3,784 |
| Additional noninterest expense | $1,313,000 | 3,588 |
| Pre-tax net operating income | $3,704,000 | 2,351 |
| Securities gains (losses) | $-85,000 | 8,369 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $3,619,000 | 1,896 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,619,000 | 1,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,074,000 | 384 |
| Cash dividends | $3,050,000 | 1,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,704,000 | 1,841 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,174,000 | 2,613 |
| Total interest expense | $4,179,000 | 1,912 |
| Net interest income | $4,995,000 | 3,148 |
| Provision for loan and lease losses | $430,000 | 1,617 |
| Total noninterest income | $1,633,000 | 2,076 |
| Gross Fiduciary activities income | $1,556,000 | 261 |
| Service charges on deposit accounts | $21,000 | 7,426 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,894 |
| Total noninterest expense | $3,459,000 | 3,437 |
| Salaries and employee benefits | $1,940,000 | 3,364 |
| Premises and equipment expense | $411,000 | 3,892 |
| Additional noninterest expense | $1,108,000 | 3,240 |
| Pre-tax net operating income | $2,739,000 | 2,395 |
| Securities gains (losses) | $223,000 | 450 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $2,962,000 | 1,774 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,962,000 | 1,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,632,000 | 344 |
| Cash dividends | $1,550,000 | 1,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,739,000 | 1,874 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,870,000 | 2,648 |
| Total interest expense | $2,512,000 | 1,981 |
| Net interest income | $3,358,000 | 3,098 |
| Provision for loan and lease losses | $130,000 | 2,894 |
| Total noninterest income | $1,011,000 | 2,154 |
| Gross Fiduciary activities income | $954,000 | 272 |
| Service charges on deposit accounts | $16,000 | 7,398 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $41,000 | 6,734 |
| Total noninterest expense | $2,438,000 | 3,262 |
| Salaries and employee benefits | $1,349,000 | 3,220 |
| Premises and equipment expense | $298,000 | 3,648 |
| Additional noninterest expense | $791,000 | 3,043 |
| Pre-tax net operating income | $1,801,000 | 2,372 |
| Securities gains (losses) | $209,000 | 398 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $2,010,000 | 1,701 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,010,000 | 1,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,664,000 | 258 |
| Cash dividends | $950,000 | 1,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,801,000 | 1,861 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,749,000 | 2,766 |
| Total interest expense | $1,154,000 | 2,046 |
| Net interest income | $1,595,000 | 3,232 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $517,000 | 2,089 |
| Gross Fiduciary activities income | $477,000 | 272 |
| Service charges on deposit accounts | $8,000 | 7,454 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 6,055 |
| Total noninterest expense | $1,165,000 | 3,393 |
| Salaries and employee benefits | $613,000 | 3,501 |
| Premises and equipment expense | $100,000 | 4,863 |
| Additional noninterest expense | $452,000 | 2,682 |
| Pre-tax net operating income | $917,000 | 2,318 |
| Securities gains (losses) | $62,000 | 489 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $979,000 | 1,715 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $979,000 | 1,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,470,000 | 183 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $917,000 | 1,801 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,985,000 | 4,274 |
| Total interest expense | $2,219,000 | 3,349 |
| Net interest income | $3,766,000 | 4,684 |
| Provision for loan and lease losses | $2,737,000 | 418 |
| Total noninterest income | $1,122,000 | 3,281 |
| Gross Fiduciary activities income | $1,066,000 | 364 |
| Service charges on deposit accounts | $21,000 | 7,648 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $35,000 | 7,828 |
| Total noninterest expense | $3,141,000 | 4,516 |
| Salaries and employee benefits | $1,565,000 | 4,789 |
| Premises and equipment expense | $350,000 | 5,212 |
| Additional noninterest expense | $1,226,000 | 3,671 |
| Pre-tax net operating income | $-990,000 | 8,804 |
| Securities gains (losses) | $129,000 | 1,077 |
| Applicable income taxes | $150,000 | 5,101 |
| Income before extraordinary items | $-1,011,000 | 8,838 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,011,000 | 8,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,302,000 | 642 |
| Cash dividends | $1,750,000 | 1,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,140,000 | 8,829 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,294,000 | 5,245 |
| Total interest expense | $1,192,000 | 4,307 |
| Net interest income | $2,102,000 | 5,624 |
| Provision for loan and lease losses | $709,000 | 1,073 |
| Total noninterest income | $603,000 | 4,063 |
| Gross Fiduciary activities income | $576,000 | 435 |
| Service charges on deposit accounts | $12,000 | 7,761 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $15,000 | 8,248 |
| Total noninterest expense | $1,996,000 | 5,038 |
| Salaries and employee benefits | $1,046,000 | 5,154 |
| Premises and equipment expense | $214,000 | 5,782 |
| Additional noninterest expense | $736,000 | 4,351 |
| Pre-tax net operating income | $0 | 8,460 |
| Securities gains (losses) | $-110,000 | 8,895 |
| Applicable income taxes | $102,000 | 5,324 |
| Income before extraordinary items | $-212,000 | 8,689 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-212,000 | 8,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 1,440 |
| Cash dividends | $1,650,000 | 1,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-102,000 | 8,595 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $663,000 | 8,168 |
| Total interest expense | $282,000 | 7,119 |
| Net interest income | $381,000 | 8,440 |
| Provision for loan and lease losses | $514,000 | 960 |
| Total noninterest income | $145,000 | 6,544 |
| Gross Fiduciary activities income | $137,000 | 719 |
| Service charges on deposit accounts | $4,000 | 7,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,000 | 8,694 |
| Total noninterest expense | $508,000 | 7,797 |
| Salaries and employee benefits | $390,000 | 7,005 |
| Premises and equipment expense | $53,000 | 7,915 |
| Additional noninterest expense | $65,000 | 8,770 |
| Pre-tax net operating income | $-496,000 | 8,898 |
| Securities gains (losses) | $-270,000 | 9,018 |
| Applicable income taxes | $102,000 | 4,819 |
| Income before extraordinary items | $-868,000 | 8,999 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-868,000 | 8,999 |
| 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 | $-598,000 | 8,941 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,383,000 | 2,930 |
| Total interest expense | $1,042,000 | 1,923 |
| Net interest income | $1,341,000 | 3,568 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $453,000 | 2,327 |
| Gross Fiduciary activities income | $441,000 | 284 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $945,000 | 3,934 |
| Salaries and employee benefits | $556,000 | 3,687 |
| Premises and equipment expense | $87,000 | 5,269 |
| Additional noninterest expense | $302,000 | 3,728 |
| Pre-tax net operating income | $799,000 | 2,435 |
| Securities gains (losses) | $68,000 | 1,024 |
| Applicable income taxes | $244,000 | 2,230 |
| Income before extraordinary items | $623,000 | 2,406 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $623,000 | 2,407 |
| 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 | $574,040 | 2,525 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,465,000 | 3,618 |
| Total interest expense | $3,778,000 | 2,345 |
| Net interest income | $3,687,000 | 4,627 |
| Provision for loan and lease losses | $239,000 | 3,707 |
| Total noninterest income | $1,530,000 | 2,809 |
| Gross Fiduciary activities income | $1,487,000 | 309 |
| Service charges on deposit accounts | $8,000 | 7,960 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $35,000 | 7,968 |
| Total noninterest expense | $3,435,000 | 4,181 |
| Salaries and employee benefits | $2,110,000 | 3,760 |
| Premises and equipment expense | $391,000 | 4,792 |
| Additional noninterest expense | $934,000 | 4,493 |
| Pre-tax net operating income | $1,543,000 | 4,061 |
| Securities gains (losses) | $-126,000 | 9,042 |
| Applicable income taxes | $294,000 | 4,311 |
| Income before extraordinary items | $1,123,000 | 4,304 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,123,000 | 4,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,222,540 | 3,912 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,439,000 | 3,751 |
| Total interest expense | $2,743,000 | 2,497 |
| Net interest income | $2,696,000 | 4,730 |
| Provision for loan and lease losses | $179,000 | 3,609 |
| Total noninterest income | $1,084,000 | 2,968 |
| Gross Fiduciary activities income | $1,056,000 | 327 |
| Service charges on deposit accounts | $7,000 | 8,001 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $21,000 | 8,224 |
| Total noninterest expense | $2,620,000 | 4,096 |
| Salaries and employee benefits | $1,573,000 | 3,766 |
| Premises and equipment expense | $310,000 | 4,612 |
| Additional noninterest expense | $737,000 | 4,319 |
| Pre-tax net operating income | $981,000 | 4,594 |
| Securities gains (losses) | $-18,000 | 8,998 |
| Applicable income taxes | $274,000 | 4,090 |
| Income before extraordinary items | $689,000 | 5,035 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $689,000 | 5,035 |
| 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 | $701,960 | 4,800 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,400,000 | 4,006 |
| Total interest expense | $1,788,000 | 2,604 |
| Net interest income | $1,612,000 | 5,081 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $697,000 | 3,022 |
| Gross Fiduciary activities income | $678,000 | 338 |
| Service charges on deposit accounts | $4,000 | 8,047 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $15,000 | 8,141 |
| Total noninterest expense | $1,758,000 | 4,075 |
| Salaries and employee benefits | $1,057,000 | 3,743 |
| Premises and equipment expense | $217,000 | 4,478 |
| Additional noninterest expense | $484,000 | 4,355 |
| Pre-tax net operating income | $431,000 | 5,687 |
| Securities gains (losses) | $102,000 | 1,496 |
| Applicable income taxes | $196,000 | 4,017 |
| Income before extraordinary items | $337,000 | 5,824 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $337,000 | 5,823 |
| 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 | $271,720 | 6,123 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,613,000 | 4,204 |
| Total interest expense | $875,000 | 2,708 |
| Net interest income | $738,000 | 5,371 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $344,000 | 2,945 |
| Gross Fiduciary activities income | $333,000 | 346 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $839,000 | 4,217 |
| Salaries and employee benefits | $517,000 | 3,799 |
| Premises and equipment expense | $111,000 | 4,414 |
| Additional noninterest expense | $211,000 | 4,775 |
| Pre-tax net operating income | $183,000 | 6,046 |
| Securities gains (losses) | $74,000 | 1,165 |
| Applicable income taxes | $104,000 | 3,866 |
| Income before extraordinary items | $153,000 | 5,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,962 |
| 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 | $105,640 | 6,631 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,791,000 | 4,677 |
| Total interest expense | $3,107,000 | 3,446 |
| Net interest income | $2,684,000 | 5,673 |
| Provision for loan and lease losses | $652,000 | 1,935 |
| Total noninterest income | $3,141,000 | 1,512 |
| Gross Fiduciary activities income | $1,424,000 | 338 |
| Service charges on deposit accounts | $2,000 | 8,170 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,715,000 | 1,483 |
| Total noninterest expense | $3,143,000 | 4,312 |
| Salaries and employee benefits | $1,767,000 | 4,149 |
| Premises and equipment expense | $466,000 | 4,161 |
| Additional noninterest expense | $910,000 | 4,510 |
| Pre-tax net operating income | $2,030,000 | 3,385 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $772,000 | 2,657 |
| Income before extraordinary items | $1,258,000 | 3,954 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,258,000 | 3,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,170 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,258,000 | 3,855 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,572,000 | 5,239 |
| Total interest expense | $2,947,000 | 4,797 |
| Net interest income | $2,625,000 | 5,555 |
| Provision for loan and lease losses | $245,000 | 3,671 |
| Total noninterest income | $1,527,000 | 2,480 |
| Gross Fiduciary activities income | $1,524,000 | 335 |
| Service charges on deposit accounts | $2,000 | 8,358 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,000 | 9,443 |
| Total noninterest expense | $5,353,000 | 2,643 |
| Salaries and employee benefits | $1,536,000 | 4,432 |
| Premises and equipment expense | $406,000 | 4,549 |
| Additional noninterest expense | $3,411,000 | 1,375 |
| Pre-tax net operating income | $-1,446,000 | 9,441 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-434,000 | 9,485 |
| Income before extraordinary items | $-1,012,000 | 9,420 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,012,000 | 9,421 |
| 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 | $-1,012,000 | 9,391 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,480,000 | 6,955 |
| Total interest expense | $1,755,000 | 6,690 |
| Net interest income | $1,725,000 | 7,067 |
| Provision for loan and lease losses | $389,000 | 2,332 |
| Total noninterest income | $1,583,000 | 2,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,583,000 | 1,332 |
| Total noninterest expense | $2,203,000 | 5,327 |
| Salaries and employee benefits | $1,262,000 | 4,997 |
| Premises and equipment expense | $380,000 | 4,664 |
| Additional noninterest expense | $561,000 | 6,009 |
| Pre-tax net operating income | $716,000 | 6,160 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $274,000 | 4,774 |
| Income before extraordinary items | $442,000 | 6,617 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $442,000 | 6,615 |
| 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 | $442,000 | 6,635 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $365,000 | 10,038 |
| Total interest expense | $52,000 | 10,103 |
| Net interest income | $313,000 | 9,941 |
| Provision for loan and lease losses | $102,000 | 5,170 |
| Total noninterest income | $1,873,000 | 1,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,873,000 | 1,206 |
| Total noninterest expense | $1,914,000 | 5,845 |
| Salaries and employee benefits | $835,000 | 6,595 |
| Premises and equipment expense | $124,000 | 8,153 |
| Additional noninterest expense | $955,000 | 4,162 |
| Pre-tax net operating income | $170,000 | 8,715 |
| Securities gains (losses) | $554,000 | 324 |
| Applicable income taxes | $277,000 | 4,990 |
| Income before extraordinary items | $447,000 | 6,717 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $447,000 | 6,715 |
| 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 | $5,160,000 | 238 |
| Net operating income | $92,440 | 8,987 |
* 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.