Home > The Apple Valley Bank & Trust Company > Income and Expense
The Apple Valley Bank & Trust Company, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $991,000 | 5,896 |
| Total interest expense | $498,000 | 4,843 |
| Net interest income | $493,000 | 6,436 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $50,000 | 6,383 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $37,000 | 5,156 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $13,000 | 6,619 |
| Total noninterest expense | $928,000 | 4,528 |
| Salaries and employee benefits | $374,000 | 5,356 |
| Premises and equipment expense | $148,000 | 4,012 |
| Additional noninterest expense | $406,000 | 3,539 |
| Pre-tax net operating income | $-385,000 | 7,184 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-150,000 | 7,645 |
| Income before extraordinary items | $-235,000 | 7,092 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-235,000 | 7,093 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-235,000 | 7,093 |
| Net charge-offs | $-2,000 | 7,404 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-235,000 | 7,028 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,477,000 | 5,747 |
| Total interest expense | $2,192,000 | 5,083 |
| Net interest income | $2,285,000 | 6,108 |
| Provision for loan and lease losses | $499,000 | 3,817 |
| Total noninterest income | $175,000 | 6,669 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $130,000 | 5,544 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $45,000 | 6,857 |
| Total noninterest expense | $2,915,000 | 5,212 |
| Salaries and employee benefits | $1,459,000 | 5,418 |
| Premises and equipment expense | $510,000 | 4,402 |
| Additional noninterest expense | $946,000 | 4,990 |
| Pre-tax net operating income | $-954,000 | 6,993 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-368,000 | 7,387 |
| Income before extraordinary items | $-586,000 | 6,760 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-586,000 | 6,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $468,000 | 2,888 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-586,000 | 6,898 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,340,000 | 5,830 |
| Total interest expense | $1,666,000 | 5,169 |
| Net interest income | $1,674,000 | 6,214 |
| Provision for loan and lease losses | $296,000 | 3,584 |
| Total noninterest income | $119,000 | 6,918 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $88,000 | 5,716 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $31,000 | 7,091 |
| Total noninterest expense | $2,124,000 | 5,286 |
| Salaries and employee benefits | $1,086,000 | 5,451 |
| Premises and equipment expense | $379,000 | 4,453 |
| Additional noninterest expense | $659,000 | 5,144 |
| Pre-tax net operating income | $-627,000 | 7,335 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-241,000 | 7,699 |
| Income before extraordinary items | $-386,000 | 7,094 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-386,000 | 7,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,837 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-386,000 | 7,235 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,177,000 | 5,948 |
| Total interest expense | $1,110,000 | 5,321 |
| Net interest income | $1,067,000 | 6,334 |
| Provision for loan and lease losses | $42,000 | 5,347 |
| Total noninterest income | $69,000 | 7,153 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $47,000 | 6,035 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $22,000 | 7,103 |
| Total noninterest expense | $1,406,000 | 5,335 |
| Salaries and employee benefits | $734,000 | 5,461 |
| Premises and equipment expense | $254,000 | 4,464 |
| Additional noninterest expense | $418,000 | 5,291 |
| Pre-tax net operating income | $-312,000 | 7,447 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-120,000 | 7,892 |
| Income before extraordinary items | $-192,000 | 7,394 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-192,000 | 7,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-192,000 | 7,372 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,077,000 | 6,050 |
| Total interest expense | $569,000 | 5,433 |
| Net interest income | $508,000 | 6,472 |
| Provision for loan and lease losses | $13,000 | 5,304 |
| Total noninterest income | $29,000 | 7,362 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $20,000 | 6,236 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $9,000 | 7,309 |
| Total noninterest expense | $703,000 | 5,352 |
| Salaries and employee benefits | $381,000 | 5,397 |
| Premises and equipment expense | $131,000 | 4,397 |
| Additional noninterest expense | $191,000 | 5,503 |
| Pre-tax net operating income | $-179,000 | 7,724 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-69,000 | 8,076 |
| Income before extraordinary items | $-110,000 | 7,679 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-110,000 | 7,678 |
| 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 | $-110,000 | 7,640 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,130,000 | 6,171 |
| Total interest expense | $2,131,000 | 5,690 |
| Net interest income | $1,999,000 | 6,501 |
| Provision for loan and lease losses | $96,000 | 4,972 |
| Total noninterest income | $85,000 | 7,715 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $62,000 | 6,569 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $23,000 | 7,725 |
| Total noninterest expense | $2,694,000 | 5,356 |
| Salaries and employee benefits | $1,462,000 | 5,389 |
| Premises and equipment expense | $450,000 | 4,671 |
| Additional noninterest expense | $782,000 | 5,426 |
| Pre-tax net operating income | $-706,000 | 7,924 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-306,000 | 8,211 |
| Income before extraordinary items | $-400,000 | 7,836 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-400,000 | 7,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,400 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-400,000 | 7,817 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,049,000 | 6,233 |
| Total interest expense | $1,565,000 | 5,761 |
| Net interest income | $1,484,000 | 6,562 |
| Provision for loan and lease losses | $81,000 | 4,480 |
| Total noninterest income | $65,000 | 7,745 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $45,000 | 6,629 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $20,000 | 7,670 |
| Total noninterest expense | $1,971,000 | 5,411 |
| Salaries and employee benefits | $1,108,000 | 5,330 |
| Premises and equipment expense | $324,000 | 4,778 |
| Additional noninterest expense | $539,000 | 5,610 |
| Pre-tax net operating income | $-503,000 | 8,078 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-184,000 | 8,306 |
| Income before extraordinary items | $-319,000 | 8,017 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-319,000 | 8,013 |
| 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 | $-319,000 | 8,000 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,968,000 | 6,334 |
| Total interest expense | $989,000 | 5,901 |
| Net interest income | $979,000 | 6,639 |
| Provision for loan and lease losses | $52,000 | 4,317 |
| Total noninterest income | $39,000 | 7,878 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $28,000 | 6,731 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $11,000 | 7,835 |
| Total noninterest expense | $1,251,000 | 5,593 |
| Salaries and employee benefits | $706,000 | 5,522 |
| Premises and equipment expense | $199,000 | 5,054 |
| Additional noninterest expense | $346,000 | 5,717 |
| Pre-tax net operating income | $-285,000 | 8,142 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-103,000 | 8,388 |
| Income before extraordinary items | $-182,000 | 8,098 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-182,000 | 8,097 |
| 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 | $-182,000 | 8,089 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $927,000 | 6,483 |
| Total interest expense | $444,000 | 6,145 |
| Net interest income | $483,000 | 6,684 |
| Provision for loan and lease losses | $4,000 | 5,479 |
| Total noninterest income | $16,000 | 8,027 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $12,000 | 6,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $4,000 | 8,000 |
| Total noninterest expense | $626,000 | 5,619 |
| Salaries and employee benefits | $356,000 | 5,530 |
| Premises and equipment expense | $99,000 | 5,082 |
| Additional noninterest expense | $171,000 | 5,730 |
| Pre-tax net operating income | $-131,000 | 8,199 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-46,000 | 8,406 |
| Income before extraordinary items | $-85,000 | 8,146 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-85,000 | 8,145 |
| 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 | $-85,000 | 8,133 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,712,000 | 6,295 |
| Total interest expense | $1,506,000 | 6,104 |
| Net interest income | $2,206,000 | 6,335 |
| Provision for loan and lease losses | $14,000 | 6,469 |
| Total noninterest income | $66,000 | 8,074 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $33,000 | 7,126 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $33,000 | 7,636 |
| Total noninterest expense | $2,189,000 | 5,897 |
| Salaries and employee benefits | $1,209,000 | 5,887 |
| Premises and equipment expense | $313,000 | 5,636 |
| Additional noninterest expense | $667,000 | 5,777 |
| Pre-tax net operating income | $69,000 | 7,794 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $23,000 | 5,876 |
| Income before extraordinary items | $46,000 | 7,857 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $46,000 | 7,858 |
| 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 | $46,000 | 7,847 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,742,000 | 6,354 |
| Total interest expense | $1,070,000 | 6,178 |
| Net interest income | $1,672,000 | 6,360 |
| Provision for loan and lease losses | $14,000 | 6,239 |
| Total noninterest income | $50,000 | 8,156 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $24,000 | 7,217 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,656 |
| Total noninterest expense | $1,552,000 | 6,058 |
| Salaries and employee benefits | $858,000 | 6,033 |
| Premises and equipment expense | $219,000 | 5,833 |
| Additional noninterest expense | $475,000 | 5,912 |
| Pre-tax net operating income | $156,000 | 7,598 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $56,000 | 5,366 |
| Income before extraordinary items | $100,000 | 7,725 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $100,000 | 7,727 |
| 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 | $100,000 | 7,724 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,783,000 | 6,407 |
| Total interest expense | $672,000 | 6,222 |
| Net interest income | $1,111,000 | 6,406 |
| Provision for loan and lease losses | $14,000 | 5,836 |
| Total noninterest income | $35,000 | 8,180 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $16,000 | 7,270 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,000 | 7,607 |
| Total noninterest expense | $1,020,000 | 6,110 |
| Salaries and employee benefits | $568,000 | 6,066 |
| Premises and equipment expense | $147,000 | 5,830 |
| Additional noninterest expense | $305,000 | 6,025 |
| Pre-tax net operating income | $112,000 | 7,618 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $41,000 | 5,369 |
| Income before extraordinary items | $71,000 | 7,755 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $71,000 | 7,756 |
| 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 | $71,000 | 7,759 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $863,000 | 6,463 |
| Total interest expense | $314,000 | 6,292 |
| Net interest income | $549,000 | 6,449 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $17,000 | 8,197 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $8,000 | 7,290 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $517,000 | 6,078 |
| Salaries and employee benefits | $292,000 | 6,024 |
| Premises and equipment expense | $76,000 | 5,765 |
| Additional noninterest expense | $149,000 | 6,079 |
| Pre-tax net operating income | $49,000 | 7,711 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $18,000 | 5,421 |
| Income before extraordinary items | $31,000 | 7,825 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $31,000 | 7,825 |
| 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 | $31,000 | 7,821 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,984,000 | 6,605 |
| Total interest expense | $998,000 | 6,297 |
| Net interest income | $1,986,000 | 6,656 |
| Provision for loan and lease losses | $44,000 | 5,895 |
| Total noninterest income | $80,000 | 8,140 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $47,000 | 7,127 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $33,000 | 7,787 |
| Total noninterest expense | $1,909,000 | 6,260 |
| Salaries and employee benefits | $1,012,000 | 6,322 |
| Premises and equipment expense | $278,000 | 5,933 |
| Additional noninterest expense | $619,000 | 5,962 |
| Pre-tax net operating income | $113,000 | 7,954 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-946,000 | 8,797 |
| Income before extraordinary items | $1,059,000 | 4,675 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,059,000 | 4,676 |
| 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 | $1,059,000 | 4,639 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,153,000 | 6,690 |
| Total interest expense | $723,000 | 6,272 |
| Net interest income | $1,430,000 | 6,793 |
| Provision for loan and lease losses | $21,000 | 6,120 |
| Total noninterest income | $61,000 | 8,173 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $35,000 | 7,182 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,789 |
| Total noninterest expense | $1,431,000 | 6,239 |
| Salaries and employee benefits | $742,000 | 6,373 |
| Premises and equipment expense | $211,000 | 5,916 |
| Additional noninterest expense | $478,000 | 5,846 |
| Pre-tax net operating income | $39,000 | 8,221 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $39,000 | 8,229 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $39,000 | 8,227 |
| 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 | $39,000 | 8,199 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,380,000 | 6,746 |
| Total interest expense | $456,000 | 6,280 |
| Net interest income | $924,000 | 6,855 |
| Provision for loan and lease losses | $21,000 | 5,614 |
| Total noninterest income | $37,000 | 8,247 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $23,000 | 7,185 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $14,000 | 7,946 |
| Total noninterest expense | $947,000 | 6,257 |
| Salaries and employee benefits | $491,000 | 6,404 |
| Premises and equipment expense | $139,000 | 5,935 |
| Additional noninterest expense | $317,000 | 5,827 |
| Pre-tax net operating income | $-7,000 | 8,370 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-7,000 | 8,392 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-7,000 | 8,392 |
| 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 | $-7,000 | 8,361 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $680,000 | 6,810 |
| Total interest expense | $218,000 | 6,325 |
| Net interest income | $462,000 | 6,909 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $16,000 | 8,407 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $10,000 | 7,294 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $496,000 | 6,129 |
| Salaries and employee benefits | $263,000 | 6,212 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $162,000 | 5,752 |
| Pre-tax net operating income | $-30,000 | 8,530 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-30,000 | 8,550 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-30,000 | 8,550 |
| 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 | $-30,000 | 8,523 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,477,000 | 6,911 |
| Total interest expense | $767,000 | 6,362 |
| Net interest income | $1,710,000 | 7,029 |
| Provision for loan and lease losses | $77,000 | 5,377 |
| Total noninterest income | $47,000 | 8,607 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $29,000 | 7,562 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $18,000 | 8,274 |
| Total noninterest expense | $1,935,000 | 6,108 |
| Salaries and employee benefits | $942,000 | 6,471 |
| Premises and equipment expense | $296,000 | 5,713 |
| Additional noninterest expense | $697,000 | 5,540 |
| Pre-tax net operating income | $-255,000 | 8,559 |
| Securities gains (losses) | $39,000 | 1,925 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-216,000 | 8,593 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-216,000 | 8,595 |
| 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 | $-255,000 | 8,575 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 6,941 |
| Total interest expense | $562,000 | 6,401 |
| Net interest income | $1,276,000 | 7,058 |
| Provision for loan and lease losses | $67,000 | 4,990 |
| Total noninterest income | $36,000 | 8,652 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $22,000 | 7,606 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 8,295 |
| Total noninterest expense | $1,468,000 | 6,031 |
| Salaries and employee benefits | $695,000 | 6,488 |
| Premises and equipment expense | $226,000 | 5,632 |
| Additional noninterest expense | $547,000 | 5,361 |
| Pre-tax net operating income | $-223,000 | 8,663 |
| Securities gains (losses) | $39,000 | 1,845 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-184,000 | 8,669 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-184,000 | 8,671 |
| 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 | $-223,000 | 8,672 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,209,000 | 7,011 |
| Total interest expense | $369,000 | 6,477 |
| Net interest income | $840,000 | 7,120 |
| Provision for loan and lease losses | $67,000 | 4,166 |
| Total noninterest income | $25,000 | 8,695 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $14,000 | 7,676 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $11,000 | 8,227 |
| Total noninterest expense | $984,000 | 6,040 |
| Salaries and employee benefits | $463,000 | 6,543 |
| Premises and equipment expense | $153,000 | 5,605 |
| Additional noninterest expense | $368,000 | 5,349 |
| Pre-tax net operating income | $-186,000 | 8,759 |
| Securities gains (losses) | $39,000 | 1,614 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-147,000 | 8,752 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-147,000 | 8,754 |
| 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 | $-186,000 | 8,754 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $600,000 | 7,074 |
| Total interest expense | $175,000 | 6,691 |
| Net interest income | $425,000 | 7,122 |
| Provision for loan and lease losses | $37,000 | 3,840 |
| Total noninterest income | $14,000 | 8,663 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $507,000 | 5,994 |
| Salaries and employee benefits | $238,000 | 6,495 |
| Premises and equipment expense | $83,000 | 5,402 |
| Additional noninterest expense | $186,000 | 5,320 |
| Pre-tax net operating income | $-105,000 | 8,802 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-105,000 | 8,847 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-105,000 | 8,848 |
| 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 | $-105,000 | 8,811 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,181,000 | 7,375 |
| Total interest expense | $670,000 | 7,146 |
| Net interest income | $1,511,000 | 7,350 |
| Provision for loan and lease losses | $45,000 | 6,412 |
| Total noninterest income | $44,000 | 8,841 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $22,000 | 7,818 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $22,000 | 8,373 |
| Total noninterest expense | $1,845,000 | 6,268 |
| Salaries and employee benefits | $799,000 | 6,917 |
| Premises and equipment expense | $358,000 | 5,096 |
| Additional noninterest expense | $688,000 | 5,553 |
| Pre-tax net operating income | $-335,000 | 8,756 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-335,000 | 8,835 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-335,000 | 8,837 |
| 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 | $-335,000 | 8,772 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,601,000 | 7,508 |
| Total interest expense | $510,000 | 7,264 |
| Net interest income | $1,091,000 | 7,481 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $33,000 | 8,919 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $15,000 | 7,903 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 8,330 |
| Total noninterest expense | $1,359,000 | 6,296 |
| Salaries and employee benefits | $603,000 | 6,905 |
| Premises and equipment expense | $256,000 | 5,253 |
| Additional noninterest expense | $500,000 | 5,640 |
| Pre-tax net operating income | $-280,000 | 8,856 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-280,000 | 8,935 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-280,000 | 8,936 |
| 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 | $-280,000 | 8,872 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,073,000 | 7,537 |
| Total interest expense | $343,000 | 7,373 |
| Net interest income | $730,000 | 7,497 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $20,000 | 8,974 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $10,000 | 7,926 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $10,000 | 8,463 |
| Total noninterest expense | $876,000 | 6,417 |
| Salaries and employee benefits | $385,000 | 7,036 |
| Premises and equipment expense | $169,000 | 5,253 |
| Additional noninterest expense | $322,000 | 5,743 |
| Pre-tax net operating income | $-166,000 | 8,898 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-166,000 | 8,982 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-166,000 | 8,982 |
| 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 | $-166,000 | 8,905 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $537,000 | 7,576 |
| Total interest expense | $173,000 | 7,453 |
| Net interest income | $364,000 | 7,513 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $11,000 | 8,960 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $5,000 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $442,000 | 6,404 |
| Salaries and employee benefits | $201,000 | 6,970 |
| Premises and equipment expense | $83,000 | 5,318 |
| Additional noninterest expense | $158,000 | 5,757 |
| Pre-tax net operating income | $-87,000 | 8,959 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-87,000 | 9,020 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-87,000 | 9,016 |
| 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 | $-87,000 | 8,946 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,682,000 | 8,187 |
| Total interest expense | $627,000 | 8,011 |
| Net interest income | $1,055,000 | 8,184 |
| Provision for loan and lease losses | $238,000 | 4,005 |
| Total noninterest income | $27,000 | 9,126 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $16,000 | 8,021 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $1,633,000 | 6,598 |
| Salaries and employee benefits | $676,000 | 7,377 |
| Premises and equipment expense | $468,000 | 4,140 |
| Additional noninterest expense | $489,000 | 6,568 |
| Pre-tax net operating income | $-789,000 | 9,077 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-789,000 | 9,134 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-789,000 | 9,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-789,000 | 9,097 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $578,000 | 9,391 |
| Total interest expense | $165,000 | 9,418 |
| Net interest income | $413,000 | 9,298 |
| Provision for loan and lease losses | $159,000 | 4,667 |
| Total noninterest income | $8,000 | 9,492 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $7,000 | 8,290 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,000 | 9,443 |
| Total noninterest expense | $1,356,000 | 7,111 |
| Salaries and employee benefits | $596,000 | 7,692 |
| Premises and equipment expense | $372,000 | 4,827 |
| Additional noninterest expense | $388,000 | 7,239 |
| Pre-tax net operating income | $-1,094,000 | 9,377 |
| Securities gains (losses) | $5,000 | 3,927 |
| Applicable income taxes | $-164,000 | 9,351 |
| Income before extraordinary items | $-925,000 | 9,399 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-925,000 | 9,400 |
| 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 | $8,106,000 | 94 |
| Net operating income | $-929,250 | 9,368 |
* 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.