Home > Synergy Bank > Income and Expense
Synergy Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $41,238,000 | 749 |
| Total interest expense | $25,215,000 | 599 |
| Net interest income | $16,023,000 | 1,036 |
| Provision for loan and lease losses | $169,000 | 3,319 |
| Total noninterest income | $2,438,000 | 1,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,438,000 | 952 |
| Total noninterest expense | $20,151,000 | 694 |
| Salaries and employee benefits | $14,453,000 | 509 |
| Premises and equipment expense | $2,453,000 | 811 |
| Additional noninterest expense | $3,245,000 | 1,263 |
| Pre-tax net operating income | $-1,859,000 | 8,432 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-366,000 | 8,402 |
| Income before extraordinary items | $-1,493,000 | 8,415 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,493,000 | 8,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $645,000 | 885 |
| Cash dividends | $2,000,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-1,493,000 | 8,405 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $27,829,000 | 747 |
| Total interest expense | $17,047,000 | 603 |
| Net interest income | $10,782,000 | 1,040 |
| Provision for loan and lease losses | $80,000 | 3,654 |
| Total noninterest income | $1,600,000 | 1,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,600,000 | 997 |
| Total noninterest expense | $9,515,000 | 991 |
| Salaries and employee benefits | $5,772,000 | 879 |
| Premises and equipment expense | $1,577,000 | 849 |
| Additional noninterest expense | $2,166,000 | 1,274 |
| Pre-tax net operating income | $2,787,000 | 1,655 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $947,000 | 1,326 |
| Income before extraordinary items | $1,840,000 | 1,882 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,840,000 | 1,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 936 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,840,000 | 1,862 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $14,095,000 | 734 |
| Total interest expense | $8,735,000 | 578 |
| Net interest income | $5,360,000 | 1,039 |
| Provision for loan and lease losses | $56,000 | 2,964 |
| Total noninterest income | $793,000 | 1,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $793,000 | 994 |
| Total noninterest expense | $4,783,000 | 981 |
| Salaries and employee benefits | $2,970,000 | 854 |
| Premises and equipment expense | $794,000 | 846 |
| Additional noninterest expense | $1,019,000 | 1,321 |
| Pre-tax net operating income | $1,314,000 | 1,734 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $474,000 | 1,336 |
| Income before extraordinary items | $840,000 | 1,976 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $840,000 | 1,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,100 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $840,000 | 1,969 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $55,183,000 | 699 |
| Total interest expense | $31,729,000 | 545 |
| Net interest income | $23,454,000 | 943 |
| Provision for loan and lease losses | $970,000 | 1,063 |
| Total noninterest income | $2,944,000 | 1,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,944,000 | 1,011 |
| Total noninterest expense | $18,950,000 | 938 |
| Salaries and employee benefits | $11,677,000 | 814 |
| Premises and equipment expense | $3,176,000 | 785 |
| Additional noninterest expense | $4,097,000 | 1,301 |
| Pre-tax net operating income | $6,478,000 | 1,499 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,236,000 | 1,220 |
| Income before extraordinary items | $4,242,000 | 1,701 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,242,000 | 1,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $743,000 | 874 |
| Cash dividends | $4,009,000 | 859 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,242,000 | 1,688 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $40,927,000 | 711 |
| Total interest expense | $22,836,000 | 559 |
| Net interest income | $18,091,000 | 940 |
| Provision for loan and lease losses | $869,000 | 875 |
| Total noninterest income | $2,112,000 | 1,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,112,000 | 1,049 |
| Total noninterest expense | $14,228,000 | 947 |
| Salaries and employee benefits | $8,637,000 | 844 |
| Premises and equipment expense | $2,403,000 | 800 |
| Additional noninterest expense | $3,188,000 | 1,258 |
| Pre-tax net operating income | $5,106,000 | 1,482 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,817,000 | 1,177 |
| Income before extraordinary items | $3,289,000 | 1,691 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,289,000 | 1,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $600,000 | 698 |
| Cash dividends | $2,860,000 | 867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,289,000 | 1,674 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $26,994,000 | 704 |
| Total interest expense | $14,488,000 | 562 |
| Net interest income | $12,506,000 | 901 |
| Provision for loan and lease losses | $669,000 | 747 |
| Total noninterest income | $1,367,000 | 1,770 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,367,000 | 1,083 |
| Total noninterest expense | $9,524,000 | 947 |
| Salaries and employee benefits | $5,746,000 | 849 |
| Premises and equipment expense | $1,607,000 | 803 |
| Additional noninterest expense | $2,171,000 | 1,245 |
| Pre-tax net operating income | $3,680,000 | 1,372 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,369,000 | 1,081 |
| Income before extraordinary items | $2,311,000 | 1,587 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,311,000 | 1,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 757 |
| Cash dividends | $2,860,000 | 606 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,311,000 | 1,572 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $13,252,000 | 695 |
| Total interest expense | $6,951,000 | 546 |
| Net interest income | $6,301,000 | 895 |
| Provision for loan and lease losses | $416,000 | 595 |
| Total noninterest income | $668,000 | 1,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $668,000 | 1,077 |
| Total noninterest expense | $4,723,000 | 946 |
| Salaries and employee benefits | $2,857,000 | 856 |
| Premises and equipment expense | $824,000 | 787 |
| Additional noninterest expense | $1,042,000 | 1,275 |
| Pre-tax net operating income | $1,830,000 | 1,346 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $668,000 | 1,093 |
| Income before extraordinary items | $1,162,000 | 1,561 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,162,000 | 1,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 490 |
| Cash dividends | $1,698,000 | 479 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,162,000 | 1,545 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $46,332,000 | 694 |
| Total interest expense | $21,976,000 | 542 |
| Net interest income | $24,356,000 | 885 |
| Provision for loan and lease losses | $1,860,000 | 573 |
| Total noninterest income | $2,998,000 | 1,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,998,000 | 1,009 |
| Total noninterest expense | $18,843,000 | 904 |
| Salaries and employee benefits | $10,273,000 | 885 |
| Premises and equipment expense | $3,379,000 | 725 |
| Additional noninterest expense | $5,191,000 | 1,008 |
| Pre-tax net operating income | $6,651,000 | 1,438 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,409,000 | 1,172 |
| Income before extraordinary items | $4,242,000 | 1,658 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,242,000 | 1,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,134 |
| Cash dividends | $6,500,000 | 522 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,242,000 | 1,633 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $33,724,000 | 696 |
| Total interest expense | $15,546,000 | 538 |
| Net interest income | $18,178,000 | 873 |
| Provision for loan and lease losses | $1,314,000 | 587 |
| Total noninterest income | $2,202,000 | 1,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,202,000 | 1,047 |
| Total noninterest expense | $14,100,000 | 895 |
| Salaries and employee benefits | $7,840,000 | 860 |
| Premises and equipment expense | $2,505,000 | 722 |
| Additional noninterest expense | $3,755,000 | 1,024 |
| Pre-tax net operating income | $4,966,000 | 1,443 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,826,000 | 1,167 |
| Income before extraordinary items | $3,140,000 | 1,682 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,140,000 | 1,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 1,134 |
| Cash dividends | $6,500,000 | 388 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,140,000 | 1,651 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $21,867,000 | 697 |
| Total interest expense | $9,680,000 | 541 |
| Net interest income | $12,187,000 | 857 |
| Provision for loan and lease losses | $922,000 | 559 |
| Total noninterest income | $1,389,000 | 1,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,389,000 | 1,062 |
| Total noninterest expense | $9,260,000 | 898 |
| Salaries and employee benefits | $5,190,000 | 862 |
| Premises and equipment expense | $1,617,000 | 738 |
| Additional noninterest expense | $2,453,000 | 1,025 |
| Pre-tax net operating income | $3,394,000 | 1,384 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,279,000 | 1,090 |
| Income before extraordinary items | $2,115,000 | 1,627 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,115,000 | 1,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 1,068 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,115,000 | 1,603 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $10,464,000 | 713 |
| Total interest expense | $4,572,000 | 536 |
| Net interest income | $5,892,000 | 884 |
| Provision for loan and lease losses | $445,000 | 533 |
| Total noninterest income | $717,000 | 1,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $717,000 | 1,026 |
| Total noninterest expense | $4,406,000 | 947 |
| Salaries and employee benefits | $2,488,000 | 895 |
| Premises and equipment expense | $802,000 | 752 |
| Additional noninterest expense | $1,116,000 | 1,106 |
| Pre-tax net operating income | $1,758,000 | 1,310 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $676,000 | 1,037 |
| Income before extraordinary items | $1,082,000 | 1,555 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,082,000 | 1,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 778 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,082,000 | 1,532 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $36,160,000 | 777 |
| Total interest expense | $13,412,000 | 617 |
| Net interest income | $22,748,000 | 864 |
| Provision for loan and lease losses | $1,492,000 | 725 |
| Total noninterest income | $2,725,000 | 1,743 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,725,000 | 1,053 |
| Total noninterest expense | $17,618,000 | 923 |
| Salaries and employee benefits | $9,611,000 | 892 |
| Premises and equipment expense | $3,289,000 | 700 |
| Additional noninterest expense | $4,718,000 | 1,060 |
| Pre-tax net operating income | $6,363,000 | 1,362 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,407,000 | 1,082 |
| Income before extraordinary items | $3,956,000 | 1,637 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,956,000 | 1,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,812 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,956,000 | 1,591 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $26,201,000 | 802 |
| Total interest expense | $9,311,000 | 650 |
| Net interest income | $16,890,000 | 869 |
| Provision for loan and lease losses | $1,133,000 | 686 |
| Total noninterest income | $1,936,000 | 1,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,936,000 | 1,114 |
| Total noninterest expense | $13,018,000 | 938 |
| Salaries and employee benefits | $7,075,000 | 910 |
| Premises and equipment expense | $2,475,000 | 703 |
| Additional noninterest expense | $3,468,000 | 1,063 |
| Pre-tax net operating income | $4,675,000 | 1,393 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,797,000 | 1,113 |
| Income before extraordinary items | $2,878,000 | 1,687 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,878,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,530 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,878,000 | 1,645 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $16,487,000 | 830 |
| Total interest expense | $5,486,000 | 722 |
| Net interest income | $11,001,000 | 884 |
| Provision for loan and lease losses | $704,000 | 725 |
| Total noninterest income | $1,149,000 | 1,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,149,000 | 1,199 |
| Total noninterest expense | $8,344,000 | 969 |
| Salaries and employee benefits | $4,482,000 | 945 |
| Premises and equipment expense | $1,651,000 | 706 |
| Additional noninterest expense | $2,211,000 | 1,111 |
| Pre-tax net operating income | $3,102,000 | 1,367 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,250,000 | 1,076 |
| Income before extraordinary items | $1,852,000 | 1,723 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,852,000 | 1,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 1,512 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,852,000 | 1,668 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,204,000 | 849 |
| Total interest expense | $2,600,000 | 779 |
| Net interest income | $5,604,000 | 883 |
| Provision for loan and lease losses | $368,000 | 688 |
| Total noninterest income | $656,000 | 1,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $656,000 | 1,065 |
| Total noninterest expense | $4,206,000 | 975 |
| Salaries and employee benefits | $2,271,000 | 953 |
| Premises and equipment expense | $850,000 | 697 |
| Additional noninterest expense | $1,085,000 | 1,123 |
| Pre-tax net operating income | $1,686,000 | 1,254 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $687,000 | 998 |
| Income before extraordinary items | $999,000 | 1,598 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $999,000 | 1,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 918 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $999,000 | 1,508 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,010,000 | 939 |
| Total interest expense | $10,610,000 | 834 |
| Net interest income | $19,400,000 | 996 |
| Provision for loan and lease losses | $1,115,000 | 1,068 |
| Total noninterest income | $2,615,000 | 1,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,615,000 | 1,193 |
| Total noninterest expense | $15,278,000 | 1,064 |
| Salaries and employee benefits | $7,692,000 | 1,095 |
| Premises and equipment expense | $2,654,000 | 844 |
| Additional noninterest expense | $4,932,000 | 1,037 |
| Pre-tax net operating income | $5,622,000 | 1,467 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,989,000 | 1,295 |
| Income before extraordinary items | $3,633,000 | 1,712 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,633,000 | 1,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $894,000 | 1,008 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,633,000 | 1,625 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $22,122,000 | 973 |
| Total interest expense | $7,984,000 | 866 |
| Net interest income | $14,138,000 | 1,041 |
| Provision for loan and lease losses | $724,000 | 1,180 |
| Total noninterest income | $1,798,000 | 2,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,798,000 | 1,333 |
| Total noninterest expense | $11,303,000 | 1,080 |
| Salaries and employee benefits | $5,669,000 | 1,117 |
| Premises and equipment expense | $1,950,000 | 881 |
| Additional noninterest expense | $3,684,000 | 1,045 |
| Pre-tax net operating income | $3,909,000 | 1,617 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,411,000 | 1,414 |
| Income before extraordinary items | $2,498,000 | 1,928 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,498,000 | 1,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $719,000 | 878 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,498,000 | 1,820 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $14,859,000 | 975 |
| Total interest expense | $5,372,000 | 891 |
| Net interest income | $9,487,000 | 1,022 |
| Provision for loan and lease losses | $471,000 | 1,213 |
| Total noninterest income | $1,073,000 | 2,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,073,000 | 1,442 |
| Total noninterest expense | $7,465,000 | 1,089 |
| Salaries and employee benefits | $3,662,000 | 1,169 |
| Premises and equipment expense | $1,269,000 | 903 |
| Additional noninterest expense | $2,534,000 | 998 |
| Pre-tax net operating income | $2,624,000 | 1,598 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $913,000 | 1,471 |
| Income before extraordinary items | $1,711,000 | 1,877 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,711,000 | 1,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $554,000 | 797 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,711,000 | 1,763 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,459,000 | 980 |
| Total interest expense | $2,702,000 | 905 |
| Net interest income | $4,757,000 | 1,020 |
| Provision for loan and lease losses | $118,000 | 2,130 |
| Total noninterest income | $408,000 | 2,628 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $408,000 | 1,713 |
| Total noninterest expense | $3,664,000 | 1,090 |
| Salaries and employee benefits | $1,840,000 | 1,149 |
| Premises and equipment expense | $713,000 | 809 |
| Additional noninterest expense | $1,111,000 | 1,112 |
| Pre-tax net operating income | $1,383,000 | 1,522 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $511,000 | 1,351 |
| Income before extraordinary items | $872,000 | 1,814 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $872,000 | 1,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 790 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $872,000 | 1,704 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,207,000 | 1,319 |
| Total interest expense | $9,033,000 | 1,246 |
| Net interest income | $14,174,000 | 1,368 |
| Provision for loan and lease losses | $1,077,000 | 1,263 |
| Total noninterest income | $1,620,000 | 2,496 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,620,000 | 1,556 |
| Total noninterest expense | $11,359,000 | 1,352 |
| Salaries and employee benefits | $5,970,000 | 1,367 |
| Premises and equipment expense | $1,079,000 | 2,033 |
| Additional noninterest expense | $4,310,000 | 1,143 |
| Pre-tax net operating income | $3,358,000 | 2,282 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,271,000 | 1,868 |
| Income before extraordinary items | $2,087,000 | 2,706 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,087,000 | 2,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,880 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,087,000 | 2,616 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,951,000 | 1,803 |
| Total interest expense | $9,300,000 | 1,749 |
| Net interest income | $9,651,000 | 1,845 |
| Provision for loan and lease losses | $363,000 | 2,809 |
| Total noninterest income | $2,393,000 | 1,743 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,393,000 | 1,102 |
| Total noninterest expense | $8,673,000 | 1,674 |
| Salaries and employee benefits | $4,733,000 | 1,593 |
| Premises and equipment expense | $1,327,000 | 1,623 |
| Additional noninterest expense | $2,613,000 | 1,754 |
| Pre-tax net operating income | $3,008,000 | 2,258 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,042,000 | 2,017 |
| Income before extraordinary items | $1,966,000 | 2,574 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,966,000 | 2,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 3,193 |
| Cash dividends | $1,000 | 6,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,966,000 | 2,495 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,961,000 | 2,081 |
| Total interest expense | $7,960,000 | 2,153 |
| Net interest income | $9,001,000 | 1,957 |
| Provision for loan and lease losses | $480,000 | 1,938 |
| Total noninterest income | $1,529,000 | 2,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,529,000 | 1,361 |
| Total noninterest expense | $7,808,000 | 1,785 |
| Salaries and employee benefits | $4,239,000 | 1,688 |
| Premises and equipment expense | $1,203,000 | 1,737 |
| Additional noninterest expense | $2,366,000 | 1,863 |
| Pre-tax net operating income | $2,242,000 | 3,045 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $712,000 | 2,746 |
| Income before extraordinary items | $1,530,000 | 3,204 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,530,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,821 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,530,000 | 3,191 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,292,000 | 2,133 |
| Total interest expense | $6,850,000 | 2,158 |
| Net interest income | $8,442,000 | 2,087 |
| Provision for loan and lease losses | $125,000 | 4,648 |
| Total noninterest income | $1,207,000 | 2,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,207,000 | 1,631 |
| Total noninterest expense | $7,686,000 | 1,793 |
| Salaries and employee benefits | $3,865,000 | 1,798 |
| Premises and equipment expense | $1,200,000 | 1,710 |
| Additional noninterest expense | $2,621,000 | 1,702 |
| Pre-tax net operating income | $1,838,000 | 3,555 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $651,000 | 3,050 |
| Income before extraordinary items | $1,187,000 | 3,910 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,187,000 | 3,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,917 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,187,000 | 3,874 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,756,000 | 3,008 |
| Total interest expense | $4,750,000 | 3,146 |
| Net interest income | $6,006,000 | 2,868 |
| Provision for loan and lease losses | $900,000 | 1,057 |
| Total noninterest income | $610,000 | 4,334 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $610,000 | 2,621 |
| Total noninterest expense | $4,881,000 | 2,682 |
| Salaries and employee benefits | $2,641,000 | 2,558 |
| Premises and equipment expense | $677,000 | 2,846 |
| Additional noninterest expense | $1,563,000 | 2,667 |
| Pre-tax net operating income | $835,000 | 5,950 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $116,000 | 7,300 |
| Income before extraordinary items | $719,000 | 5,531 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $719,000 | 5,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $944,000 | 792 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $719,000 | 5,424 |
* 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.