The Bank, Income and Expense
2004-06-30 (YTD Data) | Rank | |
Total interest income | $4,725,000 | 2,937 |
Total interest expense | $1,579,000 | 2,455 |
Net interest income | $3,146,000 | 3,149 |
Provision for loan and lease losses | $142,000 | 2,870 |
Total noninterest income | $962,000 | 2,255 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $207,000 | 3,553 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $755,000 | 1,617 |
Total noninterest expense | $2,763,000 | 2,829 |
Salaries and employee benefits | $1,713,000 | 2,505 |
Premises and equipment expense | $289,000 | 3,663 |
Additional noninterest expense | $761,000 | 3,079 |
Pre-tax net operating income | $1,203,000 | 3,108 |
Securities gains (losses) | $-34,000 | 8,872 |
Applicable income taxes | $406,000 | 2,529 |
Income before extraordinary items | $763,000 | 3,643 |
Extraordinary gains, net | $0 | 21 |
Net income | $763,000 | 3,643 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $285,000 | 1,079 |
Cash dividends | $0 | 5,087 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $785,100 | 3,479 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $1,189,000 | 5,031 |
Total interest expense | $402,000 | 4,318 |
Net interest income | $787,000 | 5,265 |
Provision for loan and lease losses | $30,000 | 4,060 |
Total noninterest income | $229,000 | 3,720 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $50,000 | 5,207 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $179,000 | 2,651 |
Total noninterest expense | $711,000 | 4,867 |
Salaries and employee benefits | $434,000 | 4,463 |
Premises and equipment expense | $80,000 | 5,517 |
Additional noninterest expense | $197,000 | 5,125 |
Pre-tax net operating income | $275,000 | 5,033 |
Securities gains (losses) | $-13,000 | 8,936 |
Applicable income taxes | $73,000 | 4,279 |
Income before extraordinary items | $189,000 | 5,479 |
Extraordinary gains, net | $0 | 16 |
Net income | $189,000 | 5,477 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $170,000 | 912 |
Cash dividends | $0 | 3,841 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $198,360 | 5,244 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $13,319,000 | 2,138 |
Total interest expense | $5,501,000 | 1,646 |
Net interest income | $7,818,000 | 2,476 |
Provision for loan and lease losses | $400,000 | 2,580 |
Total noninterest income | $3,701,000 | 1,428 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $479,000 | 3,198 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $3,222,000 | 1,027 |
Total noninterest expense | $8,117,000 | 1,963 |
Salaries and employee benefits | $5,431,000 | 1,591 |
Premises and equipment expense | $862,000 | 2,582 |
Additional noninterest expense | $1,824,000 | 2,608 |
Pre-tax net operating income | $3,002,000 | 2,508 |
Securities gains (losses) | $30,000 | 2,926 |
Applicable income taxes | $1,036,000 | 2,128 |
Income before extraordinary items | $1,996,000 | 2,877 |
Extraordinary gains, net | $0 | 54 |
Net income | $1,996,000 | 2,878 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $31,000 | 5,670 |
Cash dividends | $0 | 6,283 |
Sale, conversion, retirement of capital stock, net | $0 | 868 |
Net operating income | $1,976,200 | 2,764 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $10,028,000 | 2,157 |
Total interest expense | $4,265,000 | 1,655 |
Net interest income | $5,763,000 | 2,523 |
Provision for loan and lease losses | $400,000 | 2,018 |
Total noninterest income | $3,102,000 | 1,343 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $352,000 | 3,268 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $2,750,000 | 980 |
Total noninterest expense | $6,052,000 | 1,970 |
Salaries and employee benefits | $4,147,000 | 1,566 |
Premises and equipment expense | $585,000 | 2,840 |
Additional noninterest expense | $1,320,000 | 2,665 |
Pre-tax net operating income | $2,413,000 | 2,457 |
Securities gains (losses) | $30,000 | 2,693 |
Applicable income taxes | $835,000 | 2,142 |
Income before extraordinary items | $1,608,000 | 2,811 |
Extraordinary gains, net | $0 | 40 |
Net income | $1,608,000 | 2,810 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $147,000 | 2,633 |
Cash dividends | $0 | 5,519 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $1,588,200 | 2,695 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $6,625,000 | 2,198 |
Total interest expense | $2,932,000 | 1,658 |
Net interest income | $3,693,000 | 2,637 |
Provision for loan and lease losses | $300,000 | 1,769 |
Total noninterest income | $1,845,000 | 1,452 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $228,000 | 3,295 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $1,617,000 | 1,076 |
Total noninterest expense | $3,768,000 | 2,095 |
Salaries and employee benefits | $2,540,000 | 1,692 |
Premises and equipment expense | $371,000 | 2,942 |
Additional noninterest expense | $857,000 | 2,717 |
Pre-tax net operating income | $1,470,000 | 2,640 |
Securities gains (losses) | $12,000 | 2,858 |
Applicable income taxes | $506,000 | 2,294 |
Income before extraordinary items | $976,000 | 3,037 |
Extraordinary gains, net | $0 | 30 |
Net income | $976,000 | 3,036 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $89,000 | 2,673 |
Cash dividends | $0 | 5,215 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $968,080 | 2,890 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $3,390,000 | 2,171 |
Total interest expense | $1,504,000 | 1,653 |
Net interest income | $1,886,000 | 2,573 |
Provision for loan and lease losses | $150,000 | 1,666 |
Total noninterest income | $836,000 | 1,529 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $99,000 | 3,577 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $737,000 | 1,121 |
Total noninterest expense | $1,731,000 | 2,256 |
Salaries and employee benefits | $1,144,000 | 1,864 |
Premises and equipment expense | $179,000 | 3,031 |
Additional noninterest expense | $408,000 | 2,805 |
Pre-tax net operating income | $841,000 | 2,371 |
Securities gains (losses) | $11,000 | 2,147 |
Applicable income taxes | $290,000 | 2,105 |
Income before extraordinary items | $562,000 | 2,685 |
Extraordinary gains, net | $0 | 21 |
Net income | $562,000 | 2,682 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-12,000 | 8,659 |
Cash dividends | $0 | 3,930 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $554,740 | 2,583 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $14,020,000 | 2,192 |
Total interest expense | $6,879,000 | 1,658 |
Net interest income | $7,141,000 | 2,674 |
Provision for loan and lease losses | $1,829,000 | 801 |
Total noninterest income | $2,295,000 | 1,906 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $261,000 | 4,586 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $2,034,000 | 1,292 |
Total noninterest expense | $6,183,000 | 2,395 |
Salaries and employee benefits | $3,603,000 | 2,224 |
Premises and equipment expense | $625,000 | 3,294 |
Additional noninterest expense | $1,955,000 | 2,356 |
Pre-tax net operating income | $1,424,000 | 4,246 |
Securities gains (losses) | $26,000 | 2,961 |
Applicable income taxes | $453,000 | 3,650 |
Income before extraordinary items | $997,000 | 4,614 |
Extraordinary gains, net | $0 | 70 |
Net income | $997,000 | 4,614 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,304,000 | 765 |
Cash dividends | $0 | 6,377 |
Sale, conversion, retirement of capital stock, net | $3,206,000 | 224 |
Net operating income | $979,060 | 4,533 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $13,797,000 | 2,481 |
Total interest expense | $8,012,000 | 2,014 |
Net interest income | $5,785,000 | 3,038 |
Provision for loan and lease losses | $605,000 | 1,883 |
Total noninterest income | $1,594,000 | 2,392 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $171,000 | 5,495 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $1,423,000 | 1,600 |
Total noninterest expense | $4,872,000 | 2,889 |
Salaries and employee benefits | $2,957,000 | 2,541 |
Premises and equipment expense | $507,000 | 3,826 |
Additional noninterest expense | $1,408,000 | 3,042 |
Pre-tax net operating income | $1,902,000 | 3,294 |
Securities gains (losses) | $42,000 | 2,526 |
Applicable income taxes | $666,000 | 2,764 |
Income before extraordinary items | $1,278,000 | 3,633 |
Extraordinary gains, net | $0 | 105 |
Net income | $1,278,000 | 3,635 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $194,000 | 2,911 |
Cash dividends | $0 | 6,617 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $1,250,280 | 3,585 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $11,130,000 | 3,105 |
Total interest expense | $6,295,000 | 2,657 |
Net interest income | $4,835,000 | 3,586 |
Provision for loan and lease losses | $608,000 | 1,589 |
Total noninterest income | $248,000 | 6,794 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $93,000 | 6,699 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $155,000 | 5,391 |
Total noninterest expense | $2,862,000 | 4,393 |
Salaries and employee benefits | $1,718,000 | 3,921 |
Premises and equipment expense | $412,000 | 4,413 |
Additional noninterest expense | $732,000 | 5,018 |
Pre-tax net operating income | $1,613,000 | 3,872 |
Securities gains (losses) | $6,000 | 1,308 |
Applicable income taxes | $591,000 | 3,132 |
Income before extraordinary items | $1,028,000 | 4,300 |
Extraordinary gains, net | $0 | 38 |
Net income | $1,028,000 | 4,304 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $50,000 | 4,757 |
Cash dividends | $0 | 6,853 |
Sale, conversion, retirement of capital stock, net | $2,383,000 | 331 |
Net operating income | $1,024,160 | 4,315 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $6,950,000 | 4,423 |
Total interest expense | $3,890,000 | 3,673 |
Net interest income | $3,060,000 | 5,090 |
Provision for loan and lease losses | $579,000 | 1,575 |
Total noninterest income | $285,000 | 6,571 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $63,000 | 7,530 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $222,000 | 4,701 |
Total noninterest expense | $2,017,000 | 5,655 |
Salaries and employee benefits | $1,250,000 | 5,021 |
Premises and equipment expense | $255,000 | 5,965 |
Additional noninterest expense | $512,000 | 6,428 |
Pre-tax net operating income | $749,000 | 6,131 |
Securities gains (losses) | $-1,000 | 8,592 |
Applicable income taxes | $267,000 | 5,062 |
Income before extraordinary items | $481,000 | 6,541 |
Extraordinary gains, net | $0 | 35 |
Net income | $481,000 | 6,540 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $5,000 | 7,271 |
Cash dividends | $0 | 7,131 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $481,640 | 6,522 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $4,245,000 | 6,268 |
Total interest expense | $2,517,000 | 5,341 |
Net interest income | $1,728,000 | 7,221 |
Provision for loan and lease losses | $364,000 | 2,225 |
Total noninterest income | $164,000 | 8,032 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $35,000 | 8,408 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $129,000 | 6,022 |
Total noninterest expense | $1,507,000 | 6,671 |
Salaries and employee benefits | $901,000 | 6,205 |
Premises and equipment expense | $208,000 | 6,589 |
Additional noninterest expense | $398,000 | 7,234 |
Pre-tax net operating income | $21,000 | 9,717 |
Securities gains (losses) | $0 | 4,449 |
Applicable income taxes | $-89,000 | 10,207 |
Income before extraordinary items | $110,000 | 9,267 |
Extraordinary gains, net | $0 | 32 |
Net income | $110,000 | 9,267 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $8,000 | 7,204 |
Cash dividends | $0 | 7,473 |
Sale, conversion, retirement of capital stock, net | $2,500,000 | 359 |
Net operating income | $110,000 | 9,195 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $765,000 | 10,506 |
Total interest expense | $370,000 | 10,391 |
Net interest income | $395,000 | 10,558 |
Provision for loan and lease losses | $212,000 | 3,311 |
Total noninterest income | $10,000 | 10,781 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $7,000 | 9,339 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $3,000 | 10,761 |
Total noninterest expense | $457,000 | 10,294 |
Salaries and employee benefits | $234,000 | 10,375 |
Premises and equipment expense | $53,000 | 10,130 |
Additional noninterest expense | $170,000 | 9,774 |
Pre-tax net operating income | $-264,000 | 10,607 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $0 | 10,065 |
Income before extraordinary items | $-264,000 | 10,646 |
Extraordinary gains, net | $0 | 44 |
Net income | $-264,000 | 10,646 |
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 | $6,000,000 | 158 |
Net operating income | $-264,000 | 10,622 |
* 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.