Home > Temecula Valley Bank > Income and Expense
Temecula Valley Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $32,659,000 | 538 |
| Total interest expense | $18,687,000 | 346 |
| Net interest income | $13,972,000 | 773 |
| Provision for loan and lease losses | $39,008,000 | 191 |
| Total noninterest income | $-15,722,000 | 8,186 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $295,000 | 2,562 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-16,017,000 | 8,195 |
| Total noninterest expense | $26,327,000 | 429 |
| Salaries and employee benefits | $9,479,000 | 536 |
| Premises and equipment expense | $2,768,000 | 500 |
| Additional noninterest expense | $14,080,000 | 339 |
| Pre-tax net operating income | $-67,085,000 | 8,121 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $5,789,000 | 150 |
| Income before extraordinary items | $-72,874,000 | 8,127 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-72,874,000 | 8,126 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-72,874,000 | 8,126 |
| Net charge-offs | $39,699,000 | 143 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 584 |
| Net operating income | $-72,874,000 | 8,129 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $16,574,000 | 533 |
| Total interest expense | $9,765,000 | 347 |
| Net interest income | $6,809,000 | 783 |
| Provision for loan and lease losses | $22,500,000 | 151 |
| Total noninterest income | $-4,906,000 | 8,238 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $154,000 | 2,407 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-5,060,000 | 8,246 |
| Total noninterest expense | $11,414,000 | 454 |
| Salaries and employee benefits | $5,746,000 | 435 |
| Premises and equipment expense | $1,295,000 | 541 |
| Additional noninterest expense | $4,373,000 | 417 |
| Pre-tax net operating income | $-32,011,000 | 8,173 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $3,000,000 | 154 |
| Income before extraordinary items | $-35,011,000 | 8,183 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-35,011,000 | 8,183 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-35,011,000 | 8,183 |
| Net charge-offs | $18,096,000 | 131 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 541 |
| Net operating income | $-35,011,000 | 8,185 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $93,242,000 | 420 |
| Total interest expense | $41,224,000 | 389 |
| Net interest income | $52,018,000 | 428 |
| Provision for loan and lease losses | $78,432,000 | 133 |
| Total noninterest income | $1,297,000 | 2,898 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $615,000 | 2,602 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $682,000 | 2,698 |
| Total noninterest expense | $46,413,000 | 455 |
| Salaries and employee benefits | $24,675,000 | 392 |
| Premises and equipment expense | $5,424,000 | 507 |
| Additional noninterest expense | $16,314,000 | 449 |
| Pre-tax net operating income | $-71,530,000 | 8,221 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-14,889,000 | 8,207 |
| Income before extraordinary items | $-56,641,000 | 8,195 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-56,641,000 | 8,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,917,000 | 154 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 490 |
| Net operating income | $-56,641,000 | 8,205 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $71,694,000 | 422 |
| Total interest expense | $31,205,000 | 407 |
| Net interest income | $40,489,000 | 429 |
| Provision for loan and lease losses | $15,050,000 | 299 |
| Total noninterest income | $7,204,000 | 641 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $465,000 | 2,598 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $6,739,000 | 440 |
| Total noninterest expense | $36,574,000 | 432 |
| Salaries and employee benefits | $22,058,000 | 347 |
| Premises and equipment expense | $4,094,000 | 509 |
| Additional noninterest expense | $10,422,000 | 470 |
| Pre-tax net operating income | $-3,931,000 | 8,079 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,559,000 | 8,140 |
| Income before extraordinary items | $-2,372,000 | 7,934 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,372,000 | 7,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,003,000 | 265 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $534,000 | 369 |
| Net operating income | $-2,372,000 | 7,998 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $48,860,000 | 420 |
| Total interest expense | $21,274,000 | 418 |
| Net interest income | $27,586,000 | 425 |
| Provision for loan and lease losses | $7,500,000 | 330 |
| Total noninterest income | $5,399,000 | 605 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $299,000 | 2,646 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $5,100,000 | 429 |
| Total noninterest expense | $24,649,000 | 428 |
| Salaries and employee benefits | $15,826,000 | 326 |
| Premises and equipment expense | $2,649,000 | 520 |
| Additional noninterest expense | $6,174,000 | 519 |
| Pre-tax net operating income | $836,000 | 3,340 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $173,000 | 2,858 |
| Income before extraordinary items | $663,000 | 3,421 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $663,000 | 3,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,296,000 | 339 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $416,000 | 279 |
| Net operating income | $663,000 | 3,374 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $25,969,000 | 412 |
| Total interest expense | $11,395,000 | 415 |
| Net interest income | $14,574,000 | 410 |
| Provision for loan and lease losses | $2,200,000 | 379 |
| Total noninterest income | $2,680,000 | 612 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $152,000 | 2,585 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $2,528,000 | 441 |
| Total noninterest expense | $11,566,000 | 439 |
| Salaries and employee benefits | $7,612,000 | 340 |
| Premises and equipment expense | $1,336,000 | 518 |
| Additional noninterest expense | $2,618,000 | 575 |
| Pre-tax net operating income | $3,488,000 | 557 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,400,000 | 449 |
| Income before extraordinary items | $2,088,000 | 730 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,088,000 | 731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,253,000 | 398 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $140,000 | 264 |
| Net operating income | $2,088,000 | 695 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $115,741,000 | 389 |
| Total interest expense | $47,087,000 | 443 |
| Net interest income | $68,654,000 | 361 |
| Provision for loan and lease losses | $4,600,000 | 434 |
| Total noninterest income | $16,178,000 | 437 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $604,000 | 2,659 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $15,574,000 | 304 |
| Total noninterest expense | $51,547,000 | 396 |
| Salaries and employee benefits | $33,557,000 | 296 |
| Premises and equipment expense | $5,148,000 | 517 |
| Additional noninterest expense | $12,842,000 | 480 |
| Pre-tax net operating income | $28,685,000 | 362 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $11,710,000 | 289 |
| Income before extraordinary items | $16,975,000 | 406 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $16,975,000 | 403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,100,000 | 957 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $807,000 | 464 |
| Net operating income | $16,975,000 | 399 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $87,409,000 | 390 |
| Total interest expense | $35,246,000 | 443 |
| Net interest income | $52,163,000 | 358 |
| Provision for loan and lease losses | $1,470,000 | 661 |
| Total noninterest income | $11,421,000 | 462 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $454,000 | 2,639 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $10,967,000 | 320 |
| Total noninterest expense | $39,303,000 | 386 |
| Salaries and employee benefits | $26,074,000 | 288 |
| Premises and equipment expense | $3,868,000 | 514 |
| Additional noninterest expense | $9,361,000 | 474 |
| Pre-tax net operating income | $22,811,000 | 373 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $9,332,000 | 299 |
| Income before extraordinary items | $13,479,000 | 421 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $13,479,000 | 419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $692,000 | 848 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 368 |
| Net operating income | $13,479,000 | 413 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $58,316,000 | 403 |
| Total interest expense | $23,351,000 | 457 |
| Net interest income | $34,965,000 | 364 |
| Provision for loan and lease losses | $415,000 | 1,199 |
| Total noninterest income | $9,955,000 | 405 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $300,000 | 2,649 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $9,655,000 | 287 |
| Total noninterest expense | $26,730,000 | 385 |
| Salaries and employee benefits | $18,284,000 | 283 |
| Premises and equipment expense | $2,537,000 | 540 |
| Additional noninterest expense | $5,909,000 | 502 |
| Pre-tax net operating income | $17,775,000 | 351 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $7,295,000 | 295 |
| Income before extraordinary items | $10,480,000 | 405 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $10,480,000 | 404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $668,000 | 591 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $368,000 | 346 |
| Net operating income | $10,480,000 | 399 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $28,389,000 | 405 |
| Total interest expense | $11,280,000 | 464 |
| Net interest income | $17,109,000 | 369 |
| Provision for loan and lease losses | $415,000 | 610 |
| Total noninterest income | $3,885,000 | 462 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $149,000 | 2,618 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,736,000 | 331 |
| Total noninterest expense | $12,581,000 | 407 |
| Salaries and employee benefits | $8,638,000 | 302 |
| Premises and equipment expense | $1,264,000 | 536 |
| Additional noninterest expense | $2,679,000 | 533 |
| Pre-tax net operating income | $7,998,000 | 378 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $3,154,000 | 329 |
| Income before extraordinary items | $4,844,000 | 431 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,844,000 | 430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 416 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $189,000 | 256 |
| Net operating income | $4,844,000 | 419 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $94,375,000 | 438 |
| Total interest expense | $31,957,000 | 542 |
| Net interest income | $62,418,000 | 382 |
| Provision for loan and lease losses | $3,650,000 | 324 |
| Total noninterest income | $19,225,000 | 388 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $618,000 | 2,629 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,607,000 | 279 |
| Total noninterest expense | $46,773,000 | 415 |
| Salaries and employee benefits | $31,989,000 | 309 |
| Premises and equipment expense | $4,754,000 | 534 |
| Additional noninterest expense | $10,030,000 | 563 |
| Pre-tax net operating income | $31,220,000 | 393 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $12,772,000 | 329 |
| Income before extraordinary items | $18,448,000 | 453 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $18,448,000 | 452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,443 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $1,113,000 | 474 |
| Net operating income | $18,448,000 | 444 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $66,651,000 | 472 |
| Total interest expense | $21,359,000 | 595 |
| Net interest income | $45,292,000 | 407 |
| Provision for loan and lease losses | $2,760,000 | 305 |
| Total noninterest income | $15,582,000 | 381 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $463,000 | 2,632 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,119,000 | 283 |
| Total noninterest expense | $34,558,000 | 426 |
| Salaries and employee benefits | $23,840,000 | 322 |
| Premises and equipment expense | $3,472,000 | 554 |
| Additional noninterest expense | $7,246,000 | 584 |
| Pre-tax net operating income | $23,556,000 | 411 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $9,982,000 | 336 |
| Income before extraordinary items | $13,574,000 | 481 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $13,574,000 | 480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 1,711 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $932,000 | 383 |
| Net operating income | $13,574,000 | 469 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $41,414,000 | 490 |
| Total interest expense | $12,350,000 | 646 |
| Net interest income | $29,064,000 | 421 |
| Provision for loan and lease losses | $1,410,000 | 365 |
| Total noninterest income | $11,302,000 | 364 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $314,000 | 2,578 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,988,000 | 270 |
| Total noninterest expense | $23,010,000 | 434 |
| Salaries and employee benefits | $15,863,000 | 327 |
| Premises and equipment expense | $2,290,000 | 568 |
| Additional noninterest expense | $4,857,000 | 587 |
| Pre-tax net operating income | $15,946,000 | 402 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $6,760,000 | 340 |
| Income before extraordinary items | $9,186,000 | 473 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,186,000 | 472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 881 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $618,000 | 308 |
| Net operating income | $9,186,000 | 462 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $19,461,000 | 500 |
| Total interest expense | $5,535,000 | 673 |
| Net interest income | $13,926,000 | 430 |
| Provision for loan and lease losses | $314,000 | 744 |
| Total noninterest income | $4,886,000 | 393 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $153,000 | 2,557 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,733,000 | 296 |
| Total noninterest expense | $11,055,000 | 454 |
| Salaries and employee benefits | $7,741,000 | 335 |
| Premises and equipment expense | $1,119,000 | 575 |
| Additional noninterest expense | $2,195,000 | 636 |
| Pre-tax net operating income | $7,443,000 | 418 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $3,315,000 | 341 |
| Income before extraordinary items | $4,128,000 | 503 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,128,000 | 502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 725 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $419,000 | 197 |
| Net operating income | $4,128,000 | 494 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $58,259,000 | 586 |
| Total interest expense | $13,133,000 | 862 |
| Net interest income | $45,126,000 | 493 |
| Provision for loan and lease losses | $2,897,000 | 375 |
| Total noninterest income | $23,647,000 | 350 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $604,000 | 2,651 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $23,043,000 | 264 |
| Total noninterest expense | $40,115,000 | 466 |
| Salaries and employee benefits | $26,972,000 | 354 |
| Premises and equipment expense | $3,940,000 | 623 |
| Additional noninterest expense | $9,203,000 | 604 |
| Pre-tax net operating income | $25,761,000 | 450 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $10,694,000 | 382 |
| Income before extraordinary items | $15,067,000 | 518 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $15,067,000 | 518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,160 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $15,067,000 | 502 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $40,313,000 | 608 |
| Total interest expense | $8,631,000 | 911 |
| Net interest income | $31,682,000 | 519 |
| Provision for loan and lease losses | $1,989,000 | 388 |
| Total noninterest income | $18,724,000 | 335 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $455,000 | 2,635 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,269,000 | 263 |
| Total noninterest expense | $29,494,000 | 475 |
| Salaries and employee benefits | $19,648,000 | 366 |
| Premises and equipment expense | $2,885,000 | 632 |
| Additional noninterest expense | $6,961,000 | 592 |
| Pre-tax net operating income | $18,923,000 | 461 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $7,868,000 | 390 |
| Income before extraordinary items | $11,055,000 | 524 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $11,055,000 | 524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,414 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $11,055,000 | 511 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $24,925,000 | 627 |
| Total interest expense | $4,933,000 | 1,000 |
| Net interest income | $19,992,000 | 538 |
| Provision for loan and lease losses | $1,643,000 | 315 |
| Total noninterest income | $13,171,000 | 314 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $321,000 | 2,485 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $12,850,000 | 252 |
| Total noninterest expense | $18,781,000 | 487 |
| Salaries and employee benefits | $12,574,000 | 374 |
| Premises and equipment expense | $1,875,000 | 645 |
| Additional noninterest expense | $4,332,000 | 622 |
| Pre-tax net operating income | $12,739,000 | 452 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,306,000 | 384 |
| Income before extraordinary items | $7,433,000 | 509 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,433,000 | 508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 1,376 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $7,433,000 | 496 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $11,440,000 | 657 |
| Total interest expense | $2,098,000 | 1,120 |
| Net interest income | $9,342,000 | 564 |
| Provision for loan and lease losses | $839,000 | 300 |
| Total noninterest income | $5,754,000 | 342 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $158,000 | 2,451 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,596,000 | 269 |
| Total noninterest expense | $8,775,000 | 508 |
| Salaries and employee benefits | $5,852,000 | 392 |
| Premises and equipment expense | $900,000 | 675 |
| Additional noninterest expense | $2,023,000 | 649 |
| Pre-tax net operating income | $5,482,000 | 491 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,282,000 | 427 |
| Income before extraordinary items | $3,200,000 | 579 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,200,000 | 579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 816 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,200,000 | 560 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $33,703,000 | 823 |
| Total interest expense | $5,669,000 | 1,451 |
| Net interest income | $28,034,000 | 697 |
| Provision for loan and lease losses | $3,821,000 | 315 |
| Total noninterest income | $28,610,000 | 304 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $668,000 | 2,483 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $27,942,000 | 240 |
| Total noninterest expense | $33,560,000 | 525 |
| Salaries and employee benefits | $22,515,000 | 400 |
| Premises and equipment expense | $2,861,000 | 792 |
| Additional noninterest expense | $8,184,000 | 645 |
| Pre-tax net operating income | $19,263,000 | 505 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $8,019,000 | 425 |
| Income before extraordinary items | $11,244,000 | 609 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $11,244,000 | 610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,067,000 | 734 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $11,244,000 | 585 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $23,452,000 | 880 |
| Total interest expense | $3,886,000 | 1,562 |
| Net interest income | $19,566,000 | 742 |
| Provision for loan and lease losses | $2,385,000 | 368 |
| Total noninterest income | $20,682,000 | 322 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $516,000 | 2,433 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,166,000 | 247 |
| Total noninterest expense | $24,255,000 | 532 |
| Salaries and employee benefits | $16,556,000 | 416 |
| Premises and equipment expense | $1,987,000 | 845 |
| Additional noninterest expense | $5,712,000 | 680 |
| Pre-tax net operating income | $13,608,000 | 531 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $5,577,000 | 444 |
| Income before extraordinary items | $8,031,000 | 640 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $8,031,000 | 641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $642,000 | 789 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $8,031,000 | 608 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,642,000 | 934 |
| Total interest expense | $2,311,000 | 1,723 |
| Net interest income | $12,331,000 | 783 |
| Provision for loan and lease losses | $750,000 | 665 |
| Total noninterest income | $13,421,000 | 320 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $347,000 | 2,417 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $13,074,000 | 247 |
| Total noninterest expense | $15,676,000 | 544 |
| Salaries and employee benefits | $11,098,000 | 418 |
| Premises and equipment expense | $1,192,000 | 955 |
| Additional noninterest expense | $3,386,000 | 749 |
| Pre-tax net operating income | $9,326,000 | 514 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $3,823,000 | 446 |
| Income before extraordinary items | $5,503,000 | 617 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,503,000 | 617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,004 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $5,503,000 | 585 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,832,000 | 1,011 |
| Total interest expense | $1,087,000 | 1,841 |
| Net interest income | $5,745,000 | 865 |
| Provision for loan and lease losses | $500,000 | 518 |
| Total noninterest income | $6,713,000 | 317 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $190,000 | 2,180 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,523,000 | 246 |
| Total noninterest expense | $7,398,000 | 579 |
| Salaries and employee benefits | $5,165,000 | 450 |
| Premises and equipment expense | $540,000 | 1,099 |
| Additional noninterest expense | $1,693,000 | 738 |
| Pre-tax net operating income | $4,560,000 | 520 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,869,000 | 457 |
| Income before extraordinary items | $2,691,000 | 630 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,691,000 | 629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 691 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,691,000 | 587 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,954,000 | 1,191 |
| Total interest expense | $4,509,000 | 1,982 |
| Net interest income | $19,445,000 | 993 |
| Provision for loan and lease losses | $1,022,000 | 1,160 |
| Total noninterest income | $24,418,000 | 354 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $792,000 | 2,140 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $23,626,000 | 271 |
| Total noninterest expense | $28,966,000 | 587 |
| Salaries and employee benefits | $20,443,000 | 442 |
| Premises and equipment expense | $2,076,000 | 1,099 |
| Additional noninterest expense | $6,447,000 | 800 |
| Pre-tax net operating income | $13,875,000 | 644 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $5,672,000 | 567 |
| Income before extraordinary items | $8,203,000 | 793 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,203,000 | 795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $431,000 | 1,799 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $8,203,000 | 744 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,491,000 | 1,251 |
| Total interest expense | $3,390,000 | 2,053 |
| Net interest income | $14,101,000 | 1,042 |
| Provision for loan and lease losses | $650,000 | 1,314 |
| Total noninterest income | $17,926,000 | 371 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $604,000 | 2,132 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $17,322,000 | 287 |
| Total noninterest expense | $21,315,000 | 611 |
| Salaries and employee benefits | $15,037,000 | 460 |
| Premises and equipment expense | $1,513,000 | 1,136 |
| Additional noninterest expense | $4,765,000 | 817 |
| Pre-tax net operating income | $10,062,000 | 685 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $4,115,000 | 601 |
| Income before extraordinary items | $5,947,000 | 849 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,947,000 | 851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 1,718 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,947,000 | 788 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,124,000 | 1,306 |
| Total interest expense | $2,271,000 | 2,109 |
| Net interest income | $8,853,000 | 1,105 |
| Provision for loan and lease losses | $500,000 | 1,144 |
| Total noninterest income | $11,501,000 | 379 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $411,000 | 2,052 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $11,090,000 | 294 |
| Total noninterest expense | $13,933,000 | 618 |
| Salaries and employee benefits | $9,961,000 | 465 |
| Premises and equipment expense | $980,000 | 1,166 |
| Additional noninterest expense | $2,992,000 | 867 |
| Pre-tax net operating income | $5,921,000 | 762 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,423,000 | 667 |
| Income before extraordinary items | $3,498,000 | 962 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,498,000 | 962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 1,169 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,498,000 | 886 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,280,000 | 1,395 |
| Total interest expense | $1,103,000 | 2,213 |
| Net interest income | $4,177,000 | 1,175 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $5,183,000 | 415 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $222,000 | 1,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,961,000 | 316 |
| Total noninterest expense | $6,572,000 | 640 |
| Salaries and employee benefits | $4,525,000 | 498 |
| Premises and equipment expense | $491,000 | 1,174 |
| Additional noninterest expense | $1,556,000 | 814 |
| Pre-tax net operating income | $2,638,000 | 850 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,078,000 | 746 |
| Income before extraordinary items | $1,560,000 | 1,061 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,560,000 | 1,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 1,054 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,560,000 | 986 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,556,000 | 1,860 |
| Total interest expense | $2,910,000 | 3,610 |
| Net interest income | $13,646,000 | 1,433 |
| Provision for loan and lease losses | $2,460,000 | 633 |
| Total noninterest income | $17,895,000 | 429 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $965,000 | 1,668 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,930,000 | 331 |
| Total noninterest expense | $21,777,000 | 737 |
| Salaries and employee benefits | $13,184,000 | 618 |
| Premises and equipment expense | $1,852,000 | 1,196 |
| Additional noninterest expense | $6,741,000 | 756 |
| Pre-tax net operating income | $7,304,000 | 1,151 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,973,000 | 930 |
| Income before extraordinary items | $4,331,000 | 1,431 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,331,000 | 1,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $682,000 | 1,320 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 707 |
| Net operating income | $4,331,000 | 1,386 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,022,000 | 2,822 |
| Total interest expense | $2,734,000 | 5,072 |
| Net interest income | $9,288,000 | 1,917 |
| Provision for loan and lease losses | $400,000 | 2,609 |
| Total noninterest income | $8,952,000 | 653 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $786,000 | 1,937 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,166,000 | 469 |
| Total noninterest expense | $14,831,000 | 998 |
| Salaries and employee benefits | $9,309,000 | 790 |
| Premises and equipment expense | $1,578,000 | 1,354 |
| Additional noninterest expense | $3,944,000 | 1,209 |
| Pre-tax net operating income | $3,009,000 | 2,257 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,205,000 | 1,799 |
| Income before extraordinary items | $1,804,000 | 2,778 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,804,000 | 2,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,263 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $4,363,000 | 210 |
| Net operating income | $1,804,000 | 2,684 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,372,000 | 3,596 |
| Total interest expense | $2,453,000 | 5,621 |
| Net interest income | $6,919,000 | 2,571 |
| Provision for loan and lease losses | $385,000 | 2,345 |
| Total noninterest income | $3,183,000 | 1,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $423,000 | 3,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,760,000 | 905 |
| Total noninterest expense | $7,622,000 | 1,825 |
| Salaries and employee benefits | $4,831,000 | 1,468 |
| Premises and equipment expense | $884,000 | 2,346 |
| Additional noninterest expense | $1,907,000 | 2,265 |
| Pre-tax net operating income | $2,095,000 | 3,209 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $835,000 | 2,436 |
| Income before extraordinary items | $1,260,000 | 3,730 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,260,000 | 3,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,683 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $754,000 | 493 |
| Net operating income | $1,260,000 | 3,715 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,703,000 | 5,117 |
| Total interest expense | $1,697,000 | 6,552 |
| Net interest income | $4,006,000 | 4,167 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $2,325,000 | 1,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,612 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,982,000 | 1,163 |
| Total noninterest expense | $5,302,000 | 2,556 |
| Salaries and employee benefits | $2,974,000 | 2,358 |
| Premises and equipment expense | $634,000 | 3,110 |
| Additional noninterest expense | $1,694,000 | 2,550 |
| Pre-tax net operating income | $849,000 | 5,758 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $313,000 | 4,718 |
| Income before extraordinary items | $536,000 | 6,224 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $536,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,603 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,038,000 | 502 |
| Net operating income | $536,000 | 6,212 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,000,000 | 6,482 |
| Total interest expense | $1,431,000 | 7,346 |
| Net interest income | $2,569,000 | 5,735 |
| Provision for loan and lease losses | $501,000 | 1,712 |
| Total noninterest income | $1,724,000 | 2,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 4,927 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,508,000 | 1,398 |
| Total noninterest expense | $3,291,000 | 3,804 |
| Salaries and employee benefits | $1,722,000 | 3,795 |
| Premises and equipment expense | $413,000 | 4,312 |
| Additional noninterest expense | $1,156,000 | 3,479 |
| Pre-tax net operating income | $501,000 | 7,358 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $500,000 | 6,620 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $500,000 | 6,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,346 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $218,000 | 669 |
| Net operating income | $500,000 | 6,496 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,145,000 | 8,845 |
| Total interest expense | $964,000 | 8,789 |
| Net interest income | $1,181,000 | 8,732 |
| Provision for loan and lease losses | $140,000 | 4,290 |
| Total noninterest income | $1,182,000 | 2,664 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,079,000 | 1,661 |
| Total noninterest expense | $2,335,000 | 5,044 |
| Salaries and employee benefits | $1,219,000 | 5,023 |
| Premises and equipment expense | $314,000 | 5,292 |
| Additional noninterest expense | $802,000 | 4,715 |
| Pre-tax net operating income | $-112,000 | 10,499 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,000 | 10,009 |
| Income before extraordinary items | $-114,000 | 10,539 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-114,000 | 10,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $176,000 | 693 |
| Net operating income | $-114,000 | 10,511 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,000 | 11,448 |
| Total interest expense | $1,000 | 11,430 |
| Net interest income | $11,000 | 11,444 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $0 | 11,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,390 |
| Total noninterest expense | $87,000 | 11,428 |
| Salaries and employee benefits | $44,000 | 11,420 |
| Premises and equipment expense | $11,000 | 11,376 |
| Additional noninterest expense | $32,000 | 11,426 |
| Pre-tax net operating income | $-76,000 | 10,926 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-76,000 | 10,965 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-76,000 | 10,963 |
| 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 | $4,645,000 | 163 |
| Net operating income | $-76,000 | 10,917 |
* 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.