Home > Summit Federal Savings Bank > Income and Expense
Summit Federal Savings Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,229,000 | 5,745 |
| Total interest expense | $416,000 | 6,168 |
| Net interest income | $813,000 | 5,266 |
| Provision for loan and lease losses | $-2,000 | 8,344 |
| Total noninterest income | $57,000 | 6,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $57,000 | 4,793 |
| Total noninterest expense | $1,051,000 | 4,093 |
| Salaries and employee benefits | $678,000 | 3,628 |
| Premises and equipment expense | $227,000 | 2,895 |
| Additional noninterest expense | $146,000 | 6,249 |
| Pre-tax net operating income | $-179,000 | 7,724 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-58,000 | 8,052 |
| Income before extraordinary items | $-121,000 | 7,713 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-121,000 | 7,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-121,000 | 7,671 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 5,497 |
| Total interest expense | $1,811,000 | 6,043 |
| Net interest income | $3,616,000 | 4,934 |
| Provision for loan and lease losses | $1,000 | 6,828 |
| Total noninterest income | $257,000 | 6,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $257,000 | 4,525 |
| Total noninterest expense | $3,970,000 | 4,147 |
| Salaries and employee benefits | $2,562,000 | 3,655 |
| Premises and equipment expense | $794,000 | 3,103 |
| Additional noninterest expense | $614,000 | 6,071 |
| Pre-tax net operating income | $-98,000 | 7,557 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-14,000 | 7,818 |
| Income before extraordinary items | $-84,000 | 7,616 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-84,000 | 7,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-84,000 | 7,595 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,114,000 | 5,490 |
| Total interest expense | $1,370,000 | 6,055 |
| Net interest income | $2,744,000 | 4,908 |
| Provision for loan and lease losses | $1,000 | 6,502 |
| Total noninterest income | $187,000 | 6,446 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $187,000 | 4,625 |
| Total noninterest expense | $2,939,000 | 4,157 |
| Salaries and employee benefits | $1,866,000 | 3,731 |
| Premises and equipment expense | $608,000 | 3,039 |
| Additional noninterest expense | $465,000 | 6,011 |
| Pre-tax net operating income | $-9,000 | 7,666 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $26,000 | 5,340 |
| Income before extraordinary items | $-35,000 | 7,748 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-35,000 | 7,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-35,000 | 7,730 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,764,000 | 5,500 |
| Total interest expense | $919,000 | 6,047 |
| Net interest income | $1,845,000 | 4,916 |
| Provision for loan and lease losses | $2,000 | 6,135 |
| Total noninterest income | $123,000 | 6,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $123,000 | 4,702 |
| Total noninterest expense | $1,967,000 | 4,174 |
| Salaries and employee benefits | $1,268,000 | 3,710 |
| Premises and equipment expense | $415,000 | 3,009 |
| Additional noninterest expense | $284,000 | 6,256 |
| Pre-tax net operating income | $-1,000 | 7,776 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $36,000 | 4,999 |
| Income before extraordinary items | $-37,000 | 7,888 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-37,000 | 7,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-37,000 | 7,878 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,390,000 | 5,489 |
| Total interest expense | $459,000 | 6,050 |
| Net interest income | $931,000 | 4,902 |
| Provision for loan and lease losses | $-1,000 | 8,375 |
| Total noninterest income | $66,000 | 6,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $66,000 | 4,572 |
| Total noninterest expense | $1,015,000 | 4,096 |
| Salaries and employee benefits | $665,000 | 3,597 |
| Premises and equipment expense | $215,000 | 2,942 |
| Additional noninterest expense | $135,000 | 6,400 |
| Pre-tax net operating income | $-17,000 | 7,935 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $50,000 | 4,122 |
| Income before extraordinary items | $-67,000 | 8,100 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-67,000 | 8,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-67,000 | 8,089 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,879,000 | 5,080 |
| Total interest expense | $1,880,000 | 5,572 |
| Net interest income | $3,999,000 | 4,660 |
| Provision for loan and lease losses | $1,000 | 6,832 |
| Total noninterest income | $261,000 | 6,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $261,000 | 4,569 |
| Total noninterest expense | $4,049,000 | 3,961 |
| Salaries and employee benefits | $2,637,000 | 3,473 |
| Premises and equipment expense | $613,000 | 3,699 |
| Additional noninterest expense | $799,000 | 5,240 |
| Pre-tax net operating income | $210,000 | 7,372 |
| Securities gains (losses) | $-33,000 | 7,764 |
| Applicable income taxes | $67,000 | 5,254 |
| Income before extraordinary items | $110,000 | 7,633 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $110,000 | 7,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $131,120 | 7,553 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,442,000 | 5,044 |
| Total interest expense | $1,394,000 | 5,542 |
| Net interest income | $3,048,000 | 4,645 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $189,000 | 6,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $189,000 | 4,650 |
| Total noninterest expense | $3,070,000 | 3,920 |
| Salaries and employee benefits | $1,986,000 | 3,466 |
| Premises and equipment expense | $422,000 | 3,966 |
| Additional noninterest expense | $662,000 | 4,904 |
| Pre-tax net operating income | $167,000 | 7,556 |
| Securities gains (losses) | $-33,000 | 8,024 |
| Applicable income taxes | $39,000 | 5,586 |
| Income before extraordinary items | $95,000 | 7,749 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $95,000 | 7,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $118,430 | 7,634 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,973,000 | 4,985 |
| Total interest expense | $920,000 | 5,445 |
| Net interest income | $2,053,000 | 4,642 |
| Provision for loan and lease losses | $-1,000 | 8,460 |
| Total noninterest income | $124,000 | 6,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $124,000 | 4,681 |
| Total noninterest expense | $2,066,000 | 3,913 |
| Salaries and employee benefits | $1,352,000 | 3,423 |
| Premises and equipment expense | $217,000 | 4,682 |
| Additional noninterest expense | $497,000 | 4,507 |
| Pre-tax net operating income | $112,000 | 7,618 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $47,000 | 5,266 |
| Income before extraordinary items | $65,000 | 7,799 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $65,000 | 7,800 |
| 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 | $65,000 | 7,801 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,485,000 | 4,920 |
| Total interest expense | $452,000 | 5,385 |
| Net interest income | $1,033,000 | 4,618 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $59,000 | 6,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,794 |
| Total noninterest expense | $1,025,000 | 3,956 |
| Salaries and employee benefits | $676,000 | 3,429 |
| Premises and equipment expense | $125,000 | 4,297 |
| Additional noninterest expense | $224,000 | 4,827 |
| Pre-tax net operating income | $67,000 | 7,475 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $32,000 | 4,955 |
| Income before extraordinary items | $35,000 | 7,764 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $35,000 | 7,764 |
| 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 | $35,000 | 7,764 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,252,000 | 4,496 |
| Total interest expense | $1,688,000 | 4,938 |
| Net interest income | $4,564,000 | 4,219 |
| Provision for loan and lease losses | $4,000 | 7,015 |
| Total noninterest income | $244,000 | 6,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $244,000 | 4,786 |
| Total noninterest expense | $3,976,000 | 3,877 |
| Salaries and employee benefits | $2,470,000 | 3,523 |
| Premises and equipment expense | $649,000 | 3,428 |
| Additional noninterest expense | $857,000 | 4,935 |
| Pre-tax net operating income | $828,000 | 5,797 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $280,000 | 4,221 |
| Income before extraordinary items | $548,000 | 6,188 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $548,000 | 6,194 |
| 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 | $548,000 | 6,154 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,679,000 | 4,461 |
| Total interest expense | $1,239,000 | 4,853 |
| Net interest income | $3,440,000 | 4,197 |
| Provision for loan and lease losses | $5,000 | 6,713 |
| Total noninterest income | $179,000 | 6,793 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $179,000 | 4,847 |
| Total noninterest expense | $2,952,000 | 3,880 |
| Salaries and employee benefits | $1,863,000 | 3,470 |
| Premises and equipment expense | $533,000 | 3,179 |
| Additional noninterest expense | $556,000 | 5,372 |
| Pre-tax net operating income | $662,000 | 5,762 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $237,000 | 4,162 |
| Income before extraordinary items | $425,000 | 6,234 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $425,000 | 6,239 |
| 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 | $425,000 | 6,200 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,118,000 | 4,388 |
| Total interest expense | $810,000 | 4,748 |
| Net interest income | $2,308,000 | 4,171 |
| Provision for loan and lease losses | $3,000 | 6,494 |
| Total noninterest income | $120,000 | 6,749 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $120,000 | 4,809 |
| Total noninterest expense | $1,956,000 | 3,879 |
| Salaries and employee benefits | $1,238,000 | 3,470 |
| Premises and equipment expense | $425,000 | 2,692 |
| Additional noninterest expense | $293,000 | 6,074 |
| Pre-tax net operating income | $469,000 | 5,609 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $171,000 | 4,054 |
| Income before extraordinary items | $298,000 | 6,137 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $298,000 | 6,139 |
| 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 | $298,000 | 6,088 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,559,000 | 4,362 |
| Total interest expense | $398,000 | 4,703 |
| Net interest income | $1,161,000 | 4,172 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $60,000 | 6,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $999,000 | 3,849 |
| Salaries and employee benefits | $630,000 | 3,428 |
| Premises and equipment expense | $222,000 | 2,619 |
| Additional noninterest expense | $147,000 | 6,073 |
| Pre-tax net operating income | $222,000 | 5,724 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $83,000 | 4,062 |
| Income before extraordinary items | $139,000 | 6,272 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $139,000 | 6,274 |
| 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 | $139,000 | 6,224 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,755,000 | 4,395 |
| Total interest expense | $1,569,000 | 4,398 |
| Net interest income | $4,186,000 | 4,338 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $254,000 | 6,739 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $254,000 | 4,601 |
| Total noninterest expense | $3,880,000 | 3,863 |
| Salaries and employee benefits | $2,510,000 | 3,337 |
| Premises and equipment expense | $785,000 | 2,833 |
| Additional noninterest expense | $585,000 | 6,074 |
| Pre-tax net operating income | $560,000 | 6,517 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $219,000 | 4,638 |
| Income before extraordinary items | $341,000 | 7,056 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $341,000 | 7,057 |
| 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 | $341,000 | 7,005 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,222,000 | 4,443 |
| Total interest expense | $1,169,000 | 4,367 |
| Net interest income | $3,053,000 | 4,407 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $187,000 | 6,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $187,000 | 4,640 |
| Total noninterest expense | $2,952,000 | 3,761 |
| Salaries and employee benefits | $1,941,000 | 3,221 |
| Premises and equipment expense | $583,000 | 2,857 |
| Additional noninterest expense | $428,000 | 6,106 |
| Pre-tax net operating income | $288,000 | 7,279 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $117,000 | 5,164 |
| Income before extraordinary items | $171,000 | 7,649 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $171,000 | 7,649 |
| 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 | $171,000 | 7,592 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,738,000 | 4,537 |
| Total interest expense | $773,000 | 4,375 |
| Net interest income | $1,965,000 | 4,530 |
| Provision for loan and lease losses | $-1,000 | 8,826 |
| Total noninterest income | $119,000 | 6,916 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $119,000 | 4,804 |
| Total noninterest expense | $1,982,000 | 3,760 |
| Salaries and employee benefits | $1,324,000 | 3,165 |
| Premises and equipment expense | $380,000 | 2,915 |
| Additional noninterest expense | $278,000 | 6,208 |
| Pre-tax net operating income | $103,000 | 7,901 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $39,000 | 5,843 |
| Income before extraordinary items | $64,000 | 8,126 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $64,000 | 8,129 |
| 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 | $64,000 | 8,066 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,367,000 | 4,566 |
| Total interest expense | $384,000 | 4,440 |
| Net interest income | $983,000 | 4,539 |
| Provision for loan and lease losses | $-1,000 | 8,875 |
| Total noninterest income | $56,000 | 7,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $56,000 | 4,886 |
| Total noninterest expense | $1,000,000 | 3,760 |
| Salaries and employee benefits | $669,000 | 3,156 |
| Premises and equipment expense | $204,000 | 2,769 |
| Additional noninterest expense | $127,000 | 6,499 |
| Pre-tax net operating income | $40,000 | 8,049 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $8,000 | 6,367 |
| Income before extraordinary items | $32,000 | 8,110 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $32,000 | 8,111 |
| 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 | $32,000 | 8,046 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,218,000 | 4,749 |
| Total interest expense | $1,869,000 | 4,228 |
| Net interest income | $3,349,000 | 4,936 |
| Provision for loan and lease losses | $-47,000 | 8,980 |
| Total noninterest income | $258,000 | 6,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $258,000 | 4,795 |
| Total noninterest expense | $3,645,000 | 3,972 |
| Salaries and employee benefits | $2,312,000 | 3,486 |
| Premises and equipment expense | $811,000 | 2,726 |
| Additional noninterest expense | $522,000 | 6,413 |
| Pre-tax net operating income | $9,000 | 8,495 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-1,000 | 8,693 |
| Income before extraordinary items | $10,000 | 8,592 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $10,000 | 8,595 |
| 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 | $10,000 | 8,506 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,942,000 | 4,785 |
| Total interest expense | $1,478,000 | 4,193 |
| Net interest income | $2,464,000 | 5,024 |
| Provision for loan and lease losses | $-45,000 | 9,088 |
| Total noninterest income | $193,000 | 6,942 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $193,000 | 4,870 |
| Total noninterest expense | $2,724,000 | 3,973 |
| Salaries and employee benefits | $1,756,000 | 3,442 |
| Premises and equipment expense | $611,000 | 2,731 |
| Additional noninterest expense | $357,000 | 6,664 |
| Pre-tax net operating income | $-22,000 | 8,678 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-8,000 | 8,904 |
| Income before extraordinary items | $-14,000 | 8,755 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-14,000 | 8,756 |
| 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 | $-14,000 | 8,664 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,760,000 | 4,658 |
| Total interest expense | $1,041,000 | 4,113 |
| Net interest income | $1,719,000 | 4,862 |
| Provision for loan and lease losses | $-42,000 | 9,153 |
| Total noninterest income | $120,000 | 7,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $120,000 | 4,988 |
| Total noninterest expense | $1,860,000 | 3,899 |
| Salaries and employee benefits | $1,193,000 | 3,377 |
| Premises and equipment expense | $420,000 | 2,653 |
| Additional noninterest expense | $247,000 | 6,560 |
| Pre-tax net operating income | $21,000 | 8,555 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $10,000 | 6,956 |
| Income before extraordinary items | $11,000 | 8,700 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $11,000 | 8,701 |
| 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 | $11,000 | 8,585 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,412,000 | 4,590 |
| Total interest expense | $554,000 | 4,023 |
| Net interest income | $858,000 | 4,850 |
| Provision for loan and lease losses | $-38,000 | 9,223 |
| Total noninterest income | $56,000 | 7,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $56,000 | 5,056 |
| Total noninterest expense | $985,000 | 3,714 |
| Salaries and employee benefits | $639,000 | 3,186 |
| Premises and equipment expense | $218,000 | 2,563 |
| Additional noninterest expense | $128,000 | 6,459 |
| Pre-tax net operating income | $-33,000 | 8,843 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-7,000 | 9,047 |
| Income before extraordinary items | $-26,000 | 8,896 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-26,000 | 8,893 |
| 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 | $-26,000 | 8,801 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,639,000 | 4,223 |
| Total interest expense | $3,087,000 | 3,467 |
| Net interest income | $3,552,000 | 4,715 |
| Provision for loan and lease losses | $16,000 | 7,627 |
| Total noninterest income | $270,000 | 6,696 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $270,000 | 4,483 |
| Total noninterest expense | $4,028,000 | 3,542 |
| Salaries and employee benefits | $2,779,000 | 2,827 |
| Premises and equipment expense | $811,000 | 2,655 |
| Additional noninterest expense | $438,000 | 6,892 |
| Pre-tax net operating income | $-222,000 | 8,842 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-33,000 | 8,953 |
| Income before extraordinary items | $-189,000 | 8,901 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-189,000 | 8,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,914 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-189,000 | 8,848 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,654,000 | 3,756 |
| Total interest expense | $4,827,000 | 3,244 |
| Net interest income | $3,827,000 | 4,261 |
| Provision for loan and lease losses | $3,000 | 8,160 |
| Total noninterest income | $272,000 | 6,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $272,000 | 4,321 |
| Total noninterest expense | $3,621,000 | 3,721 |
| Salaries and employee benefits | $2,209,000 | 3,316 |
| Premises and equipment expense | $924,000 | 2,311 |
| Additional noninterest expense | $488,000 | 6,516 |
| Pre-tax net operating income | $475,000 | 6,653 |
| Securities gains (losses) | $39,000 | 2,590 |
| Applicable income taxes | $204,000 | 4,990 |
| Income before extraordinary items | $310,000 | 7,068 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $310,000 | 7,069 |
| 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 | $285,040 | 7,107 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,653,000 | 3,505 |
| Total interest expense | $5,121,000 | 3,247 |
| Net interest income | $4,532,000 | 3,770 |
| Provision for loan and lease losses | $10,000 | 7,963 |
| Total noninterest income | $346,000 | 5,915 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $346,000 | 3,640 |
| Total noninterest expense | $3,463,000 | 3,736 |
| Salaries and employee benefits | $2,217,000 | 3,163 |
| Premises and equipment expense | $745,000 | 2,734 |
| Additional noninterest expense | $501,000 | 6,425 |
| Pre-tax net operating income | $1,405,000 | 4,258 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $505,000 | 3,467 |
| Income before extraordinary items | $900,000 | 4,682 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $900,000 | 4,681 |
| 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 | $900,000 | 4,684 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,147,000 | 3,482 |
| Total interest expense | $5,463,000 | 2,693 |
| Net interest income | $3,684,000 | 4,479 |
| Provision for loan and lease losses | $-100,000 | 10,099 |
| Total noninterest income | $348,000 | 6,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $348,000 | 3,703 |
| Total noninterest expense | $3,338,000 | 3,861 |
| Salaries and employee benefits | $2,119,000 | 3,254 |
| Premises and equipment expense | $721,000 | 2,801 |
| Additional noninterest expense | $498,000 | 6,530 |
| Pre-tax net operating income | $794,000 | 5,955 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $285,000 | 4,928 |
| Income before extraordinary items | $509,000 | 6,378 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $509,000 | 6,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-107,000 | 10,048 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $509,000 | 6,358 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,596,000 | 3,355 |
| Total interest expense | $5,916,000 | 2,558 |
| Net interest income | $3,680,000 | 4,403 |
| Provision for loan and lease losses | $33,000 | 7,242 |
| Total noninterest income | $341,000 | 6,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $341,000 | 3,746 |
| Total noninterest expense | $3,247,000 | 3,844 |
| Salaries and employee benefits | $1,977,000 | 3,379 |
| Premises and equipment expense | $797,000 | 2,456 |
| Additional noninterest expense | $473,000 | 6,624 |
| Pre-tax net operating income | $741,000 | 6,334 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $270,000 | 5,455 |
| Income before extraordinary items | $471,000 | 6,780 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $471,000 | 6,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,762 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $471,000 | 6,672 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,867,000 | 3,277 |
| Total interest expense | $5,760,000 | 2,597 |
| Net interest income | $4,107,000 | 4,148 |
| Provision for loan and lease losses | $37,000 | 7,107 |
| Total noninterest income | $323,000 | 6,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $323,000 | 3,768 |
| Total noninterest expense | $3,257,000 | 3,834 |
| Salaries and employee benefits | $1,918,000 | 3,435 |
| Premises and equipment expense | $808,000 | 2,399 |
| Additional noninterest expense | $531,000 | 6,270 |
| Pre-tax net operating income | $1,136,000 | 5,419 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $405,000 | 4,845 |
| Income before extraordinary items | $731,000 | 5,757 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $731,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,573 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $731,000 | 5,714 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,065,000 | 3,261 |
| Total interest expense | $5,710,000 | 2,663 |
| Net interest income | $4,355,000 | 3,993 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $372,000 | 6,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $372,000 | 3,539 |
| Total noninterest expense | $4,486,000 | 3,024 |
| Salaries and employee benefits | $2,093,000 | 3,194 |
| Premises and equipment expense | $817,000 | 2,399 |
| Additional noninterest expense | $1,576,000 | 3,001 |
| Pre-tax net operating income | $191,000 | 9,838 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $81,000 | 9,119 |
| Income before extraordinary items | $110,000 | 10,137 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $110,000 | 10,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $110,000 | 10,077 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,385,000 | 3,196 |
| Total interest expense | $5,832,000 | 2,630 |
| Net interest income | $4,553,000 | 3,864 |
| Provision for loan and lease losses | $130,000 | 3,931 |
| Total noninterest income | $379,000 | 6,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $379,000 | 3,427 |
| Total noninterest expense | $3,537,000 | 3,708 |
| Salaries and employee benefits | $2,090,000 | 3,171 |
| Premises and equipment expense | $709,000 | 2,772 |
| Additional noninterest expense | $738,000 | 5,610 |
| Pre-tax net operating income | $1,265,000 | 5,067 |
| Securities gains (losses) | $48,000 | 1,329 |
| Applicable income taxes | $472,000 | 4,372 |
| Income before extraordinary items | $841,000 | 5,253 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $841,000 | 5,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $810,280 | 5,368 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,638,000 | 3,469 |
| Total interest expense | $4,079,000 | 2,983 |
| Net interest income | $4,559,000 | 3,879 |
| Provision for loan and lease losses | $139,000 | 3,781 |
| Total noninterest income | $342,000 | 6,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $342,000 | 3,768 |
| Total noninterest expense | $3,429,000 | 3,922 |
| Salaries and employee benefits | $2,064,000 | 3,187 |
| Premises and equipment expense | $650,000 | 3,032 |
| Additional noninterest expense | $715,000 | 6,212 |
| Pre-tax net operating income | $1,333,000 | 4,844 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $477,000 | 4,197 |
| Income before extraordinary items | $856,000 | 5,091 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $856,000 | 5,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,218 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $856,000 | 5,142 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,018,000 | 3,406 |
| Total interest expense | $4,436,000 | 2,887 |
| Net interest income | $4,582,000 | 3,867 |
| Provision for loan and lease losses | $172,000 | 4,316 |
| Total noninterest income | $398,000 | 6,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $398,000 | 3,766 |
| Total noninterest expense | $3,462,000 | 3,949 |
| Salaries and employee benefits | $2,013,000 | 3,267 |
| Premises and equipment expense | $691,000 | 2,920 |
| Additional noninterest expense | $758,000 | 6,187 |
| Pre-tax net operating income | $1,346,000 | 4,740 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $516,000 | 4,069 |
| Income before extraordinary items | $830,000 | 5,407 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $830,000 | 5,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 5,402 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $830,000 | 5,166 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,306,000 | 3,391 |
| Total interest expense | $6,050,000 | 2,756 |
| Net interest income | $4,256,000 | 4,201 |
| Provision for loan and lease losses | $261,000 | 4,486 |
| Total noninterest income | $1,133,000 | 2,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,133,000 | 1,835 |
| Total noninterest expense | $3,297,000 | 4,156 |
| Salaries and employee benefits | $1,888,000 | 3,381 |
| Premises and equipment expense | $693,000 | 2,942 |
| Additional noninterest expense | $716,000 | 6,660 |
| Pre-tax net operating income | $1,831,000 | 3,372 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $687,000 | 3,031 |
| Income before extraordinary items | $1,144,000 | 3,979 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,144,000 | 4,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 5,121 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,144,000 | 3,693 |
* 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.