Home > The Bank Brevard > Income and Expense
The Bank Brevard, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,810,000 | 3,410 |
| Total interest expense | $1,034,000 | 3,819 |
| Net interest income | $1,776,000 | 3,024 |
| Provision for loan and lease losses | $430,000 | 1,091 |
| Total noninterest income | $37,000 | 7,068 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $39,000 | 5,270 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-2,000 | 8,378 |
| Total noninterest expense | $1,051,000 | 4,093 |
| Salaries and employee benefits | $456,000 | 4,846 |
| Premises and equipment expense | $128,000 | 4,456 |
| Additional noninterest expense | $467,000 | 2,880 |
| Pre-tax net operating income | $332,000 | 3,927 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $128,000 | 2,511 |
| Income before extraordinary items | $204,000 | 4,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $204,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,127,000 | 429 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $204,000 | 4,523 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,038,000 | 3,059 |
| Total interest expense | $5,404,000 | 3,271 |
| Net interest income | $7,634,000 | 2,859 |
| Provision for loan and lease losses | $2,610,000 | 681 |
| Total noninterest income | $89,000 | 7,679 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $190,000 | 5,003 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-101,000 | 8,498 |
| Total noninterest expense | $4,352,000 | 3,864 |
| Salaries and employee benefits | $1,916,000 | 4,535 |
| Premises and equipment expense | $589,000 | 3,890 |
| Additional noninterest expense | $1,847,000 | 2,854 |
| Pre-tax net operating income | $761,000 | 5,275 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $290,000 | 3,414 |
| Income before extraordinary items | $471,000 | 5,788 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $471,000 | 5,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $887,000 | 1,119 |
| Cash dividends | $646,000 | 3,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $471,000 | 5,780 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,920,000 | 3,003 |
| Total interest expense | $4,200,000 | 3,183 |
| Net interest income | $5,720,000 | 2,858 |
| Provision for loan and lease losses | $1,184,000 | 782 |
| Total noninterest income | $179,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $149,000 | 4,941 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $30,000 | 7,337 |
| Total noninterest expense | $3,404,000 | 3,712 |
| Salaries and employee benefits | $1,596,000 | 4,177 |
| Premises and equipment expense | $444,000 | 3,865 |
| Additional noninterest expense | $1,364,000 | 2,837 |
| Pre-tax net operating income | $1,311,000 | 3,761 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $487,000 | 2,569 |
| Income before extraordinary items | $824,000 | 4,283 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $824,000 | 4,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $587,000 | 957 |
| Cash dividends | $646,000 | 2,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $824,000 | 4,271 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,585,000 | 3,021 |
| Total interest expense | $2,820,000 | 3,154 |
| Net interest income | $3,765,000 | 2,921 |
| Provision for loan and lease losses | $387,000 | 1,272 |
| Total noninterest income | $153,000 | 6,094 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $107,000 | 4,803 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $46,000 | 6,404 |
| Total noninterest expense | $2,247,000 | 3,773 |
| Salaries and employee benefits | $1,081,000 | 4,166 |
| Premises and equipment expense | $288,000 | 3,952 |
| Additional noninterest expense | $878,000 | 2,944 |
| Pre-tax net operating income | $1,284,000 | 2,971 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $477,000 | 2,136 |
| Income before extraordinary items | $807,000 | 3,497 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $807,000 | 3,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,769 |
| Cash dividends | $646,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $807,000 | 3,474 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,259,000 | 3,049 |
| Total interest expense | $1,435,000 | 3,102 |
| Net interest income | $1,824,000 | 3,011 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $75,000 | 6,097 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $55,000 | 4,695 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $20,000 | 6,614 |
| Total noninterest expense | $1,126,000 | 3,756 |
| Salaries and employee benefits | $539,000 | 4,200 |
| Premises and equipment expense | $144,000 | 3,967 |
| Additional noninterest expense | $443,000 | 2,905 |
| Pre-tax net operating income | $713,000 | 2,763 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $268,000 | 2,006 |
| Income before extraordinary items | $445,000 | 3,259 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $445,000 | 3,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $646,000 | 1,156 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $445,000 | 3,237 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,201,000 | 2,667 |
| Total interest expense | $5,564,000 | 2,769 |
| Net interest income | $8,637,000 | 2,609 |
| Provision for loan and lease losses | $20,000 | 6,291 |
| Total noninterest income | $265,000 | 6,415 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $183,000 | 5,157 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $82,000 | 6,632 |
| Total noninterest expense | $6,990,000 | 2,519 |
| Salaries and employee benefits | $5,259,000 | 1,852 |
| Premises and equipment expense | $574,000 | 3,889 |
| Additional noninterest expense | $1,157,000 | 4,054 |
| Pre-tax net operating income | $1,892,000 | 3,763 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $708,000 | 2,657 |
| Income before extraordinary items | $1,184,000 | 4,312 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,184,000 | 4,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,822 |
| Cash dividends | $639,000 | 3,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,184,000 | 4,292 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,765,000 | 2,636 |
| Total interest expense | $4,141,000 | 2,694 |
| Net interest income | $6,624,000 | 2,582 |
| Provision for loan and lease losses | $20,000 | 5,975 |
| Total noninterest income | $193,000 | 6,525 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $131,000 | 5,300 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,626 |
| Total noninterest expense | $2,918,000 | 4,058 |
| Salaries and employee benefits | $1,626,000 | 4,012 |
| Premises and equipment expense | $439,000 | 3,851 |
| Additional noninterest expense | $853,000 | 4,074 |
| Pre-tax net operating income | $3,879,000 | 1,898 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,456,000 | 1,420 |
| Income before extraordinary items | $2,423,000 | 2,200 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,423,000 | 2,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,423,000 | 2,189 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,135,000 | 2,620 |
| Total interest expense | $2,716,000 | 2,646 |
| Net interest income | $4,419,000 | 2,586 |
| Provision for loan and lease losses | $20,000 | 5,511 |
| Total noninterest income | $127,000 | 6,561 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $86,000 | 5,323 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 6,674 |
| Total noninterest expense | $1,956,000 | 4,064 |
| Salaries and employee benefits | $1,080,000 | 4,036 |
| Premises and equipment expense | $293,000 | 3,837 |
| Additional noninterest expense | $583,000 | 3,995 |
| Pre-tax net operating income | $2,570,000 | 1,908 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $968,000 | 1,440 |
| Income before extraordinary items | $1,602,000 | 2,226 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,602,000 | 2,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,835 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,602,000 | 2,215 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,492,000 | 2,623 |
| Total interest expense | $1,325,000 | 2,600 |
| Net interest income | $2,167,000 | 2,610 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $64,000 | 6,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $43,000 | 5,250 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,631 |
| Total noninterest expense | $1,014,000 | 3,986 |
| Salaries and employee benefits | $550,000 | 3,999 |
| Premises and equipment expense | $143,000 | 3,936 |
| Additional noninterest expense | $321,000 | 3,687 |
| Pre-tax net operating income | $1,197,000 | 1,974 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $451,000 | 1,511 |
| Income before extraordinary items | $746,000 | 2,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $746,000 | 2,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,900 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $746,000 | 2,315 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,219,000 | 2,862 |
| Total interest expense | $3,775,000 | 2,776 |
| Net interest income | $7,444,000 | 2,881 |
| Provision for loan and lease losses | $978,000 | 1,061 |
| Total noninterest income | $235,000 | 6,793 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $152,000 | 5,600 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $83,000 | 6,696 |
| Total noninterest expense | $3,328,000 | 4,462 |
| Salaries and employee benefits | $1,745,000 | 4,575 |
| Premises and equipment expense | $564,000 | 3,840 |
| Additional noninterest expense | $1,019,000 | 4,364 |
| Pre-tax net operating income | $3,373,000 | 2,518 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,270,000 | 1,923 |
| Income before extraordinary items | $2,103,000 | 2,968 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,103,000 | 2,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,222 |
| Cash dividends | $15,000 | 5,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,103,000 | 2,936 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,002,000 | 2,935 |
| Total interest expense | $2,579,000 | 2,859 |
| Net interest income | $5,423,000 | 2,945 |
| Provision for loan and lease losses | $753,000 | 990 |
| Total noninterest income | $181,000 | 6,775 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $118,000 | 5,565 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 6,687 |
| Total noninterest expense | $2,508,000 | 4,412 |
| Salaries and employee benefits | $1,302,000 | 4,572 |
| Premises and equipment expense | $434,000 | 3,740 |
| Additional noninterest expense | $772,000 | 4,294 |
| Pre-tax net operating income | $2,343,000 | 2,701 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $883,000 | 2,055 |
| Income before extraordinary items | $1,460,000 | 3,197 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,460,000 | 3,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 2,444 |
| Cash dividends | $15,000 | 5,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,460,000 | 3,158 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,028,000 | 3,017 |
| Total interest expense | $1,544,000 | 2,980 |
| Net interest income | $3,484,000 | 3,012 |
| Provision for loan and lease losses | $375,000 | 1,255 |
| Total noninterest income | $121,000 | 6,731 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $79,000 | 5,503 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $42,000 | 6,689 |
| Total noninterest expense | $1,664,000 | 4,414 |
| Salaries and employee benefits | $848,000 | 4,628 |
| Premises and equipment expense | $298,000 | 3,648 |
| Additional noninterest expense | $518,000 | 4,253 |
| Pre-tax net operating income | $1,566,000 | 2,670 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $591,000 | 2,034 |
| Income before extraordinary items | $975,000 | 3,151 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $975,000 | 3,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $15,000 | 4,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $975,000 | 3,105 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 3,136 |
| Total interest expense | $703,000 | 3,104 |
| Net interest income | $1,662,000 | 3,115 |
| Provision for loan and lease losses | $66,000 | 2,725 |
| Total noninterest income | $61,000 | 6,717 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $40,000 | 5,458 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $841,000 | 4,397 |
| Salaries and employee benefits | $412,000 | 4,729 |
| Premises and equipment expense | $150,000 | 3,653 |
| Additional noninterest expense | $279,000 | 4,023 |
| Pre-tax net operating income | $816,000 | 2,533 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $308,000 | 1,938 |
| Income before extraordinary items | $508,000 | 3,011 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $508,000 | 3,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $15,000 | 3,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $508,000 | 2,971 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,768,000 | 3,490 |
| Total interest expense | $2,152,000 | 3,435 |
| Net interest income | $5,616,000 | 3,486 |
| Provision for loan and lease losses | $368,000 | 2,521 |
| Total noninterest income | $217,000 | 7,017 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $152,000 | 5,752 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $65,000 | 7,078 |
| Total noninterest expense | $3,012,000 | 4,650 |
| Salaries and employee benefits | $1,606,000 | 4,715 |
| Premises and equipment expense | $403,000 | 4,733 |
| Additional noninterest expense | $1,003,000 | 4,341 |
| Pre-tax net operating income | $2,453,000 | 3,052 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $922,000 | 2,298 |
| Income before extraordinary items | $1,531,000 | 3,583 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,531,000 | 3,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $15,000 | 6,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,531,000 | 3,524 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,568,000 | 3,600 |
| Total interest expense | $1,490,000 | 3,634 |
| Net interest income | $4,078,000 | 3,544 |
| Provision for loan and lease losses | $266,000 | 2,481 |
| Total noninterest income | $161,000 | 7,059 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $113,000 | 5,820 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 7,110 |
| Total noninterest expense | $2,288,000 | 4,565 |
| Salaries and employee benefits | $1,193,000 | 4,702 |
| Premises and equipment expense | $359,000 | 4,216 |
| Additional noninterest expense | $736,000 | 4,351 |
| Pre-tax net operating income | $1,685,000 | 3,315 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $634,000 | 2,474 |
| Income before extraordinary items | $1,051,000 | 3,889 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,051,000 | 3,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $15,000 | 5,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,051,000 | 3,814 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,553,000 | 3,736 |
| Total interest expense | $894,000 | 3,948 |
| Net interest income | $2,659,000 | 3,602 |
| Provision for loan and lease losses | $186,000 | 2,325 |
| Total noninterest income | $97,000 | 7,299 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $69,000 | 5,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $28,000 | 7,329 |
| Total noninterest expense | $1,519,000 | 4,626 |
| Salaries and employee benefits | $790,000 | 4,768 |
| Premises and equipment expense | $232,000 | 4,308 |
| Additional noninterest expense | $497,000 | 4,335 |
| Pre-tax net operating income | $1,051,000 | 3,424 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $395,000 | 2,591 |
| Income before extraordinary items | $656,000 | 3,995 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $656,000 | 3,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $15,000 | 4,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $656,000 | 3,916 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,705,000 | 3,865 |
| Total interest expense | $429,000 | 4,115 |
| Net interest income | $1,276,000 | 3,700 |
| Provision for loan and lease losses | $94,000 | 2,217 |
| Total noninterest income | $47,000 | 7,311 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $33,000 | 6,033 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $14,000 | 7,349 |
| Total noninterest expense | $728,000 | 4,789 |
| Salaries and employee benefits | $397,000 | 4,768 |
| Premises and equipment expense | $109,000 | 4,538 |
| Additional noninterest expense | $222,000 | 4,690 |
| Pre-tax net operating income | $501,000 | 3,521 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $189,000 | 2,673 |
| Income before extraordinary items | $312,000 | 4,167 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $312,000 | 4,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $15,000 | 3,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $312,000 | 4,036 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,532,000 | 4,034 |
| Total interest expense | $1,868,000 | 4,232 |
| Net interest income | $4,664,000 | 3,888 |
| Provision for loan and lease losses | $121,000 | 4,927 |
| Total noninterest income | $164,000 | 7,673 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $114,000 | 6,350 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $50,000 | 7,561 |
| Total noninterest expense | $2,442,000 | 5,301 |
| Salaries and employee benefits | $1,262,000 | 5,460 |
| Premises and equipment expense | $423,000 | 4,549 |
| Additional noninterest expense | $757,000 | 5,236 |
| Pre-tax net operating income | $2,265,000 | 3,102 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $852,000 | 2,420 |
| Income before extraordinary items | $1,413,000 | 3,705 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,413,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $5,000 | 6,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,413,000 | 3,547 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,893,000 | 4,076 |
| Total interest expense | $1,427,000 | 4,287 |
| Net interest income | $3,466,000 | 3,941 |
| Provision for loan and lease losses | $72,000 | 5,277 |
| Total noninterest income | $118,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $81,000 | 6,482 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $37,000 | 7,602 |
| Total noninterest expense | $1,805,000 | 5,314 |
| Salaries and employee benefits | $957,000 | 5,396 |
| Premises and equipment expense | $317,000 | 4,554 |
| Additional noninterest expense | $531,000 | 5,441 |
| Pre-tax net operating income | $1,707,000 | 3,209 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $642,000 | 2,543 |
| Income before extraordinary items | $1,065,000 | 3,832 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,065,000 | 3,831 |
| 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 | $1,065,000 | 3,669 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,288,000 | 4,103 |
| Total interest expense | $978,000 | 4,306 |
| Net interest income | $2,310,000 | 3,946 |
| Provision for loan and lease losses | $72,000 | 4,482 |
| Total noninterest income | $77,000 | 7,826 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $53,000 | 6,490 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $24,000 | 7,615 |
| Total noninterest expense | $1,199,000 | 5,336 |
| Salaries and employee benefits | $636,000 | 5,425 |
| Premises and equipment expense | $210,000 | 4,570 |
| Additional noninterest expense | $353,000 | 5,448 |
| Pre-tax net operating income | $1,116,000 | 3,255 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $420,000 | 2,605 |
| Income before extraordinary items | $696,000 | 3,883 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $696,000 | 3,883 |
| 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 | $696,000 | 3,694 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,645,000 | 4,127 |
| Total interest expense | $490,000 | 4,397 |
| Net interest income | $1,155,000 | 3,941 |
| Provision for loan and lease losses | $64,000 | 3,180 |
| Total noninterest income | $35,000 | 7,955 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $582,000 | 5,438 |
| Salaries and employee benefits | $316,000 | 5,464 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $167,000 | 5,597 |
| Pre-tax net operating income | $544,000 | 3,306 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $205,000 | 2,653 |
| Income before extraordinary items | $339,000 | 3,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $339,000 | 3,895 |
| 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 | $339,000 | 3,714 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,820,000 | 4,133 |
| Total interest expense | $2,315,000 | 4,349 |
| Net interest income | $4,505,000 | 3,986 |
| Provision for loan and lease losses | $255,000 | 3,810 |
| Total noninterest income | $136,000 | 7,997 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $94,000 | 6,675 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $42,000 | 7,814 |
| Total noninterest expense | $2,330,000 | 5,331 |
| Salaries and employee benefits | $1,221,000 | 5,419 |
| Premises and equipment expense | $329,000 | 5,280 |
| Additional noninterest expense | $780,000 | 5,023 |
| Pre-tax net operating income | $2,056,000 | 3,361 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $773,000 | 2,654 |
| Income before extraordinary items | $1,283,000 | 3,911 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,283,000 | 3,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $40,000 | 6,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,283,000 | 3,810 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,816,000 | 4,518 |
| Total interest expense | $3,146,000 | 4,555 |
| Net interest income | $3,670,000 | 4,415 |
| Provision for loan and lease losses | $489,000 | 2,249 |
| Total noninterest income | $129,000 | 8,109 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $91,000 | 6,756 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $38,000 | 8,088 |
| Total noninterest expense | $1,865,000 | 6,002 |
| Salaries and employee benefits | $1,007,000 | 5,948 |
| Premises and equipment expense | $358,000 | 4,953 |
| Additional noninterest expense | $500,000 | 6,439 |
| Pre-tax net operating income | $1,445,000 | 3,953 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $545,000 | 3,167 |
| Income before extraordinary items | $900,000 | 4,573 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $900,000 | 4,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,784 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $900,000 | 4,455 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,704,000 | 5,263 |
| Total interest expense | $2,854,000 | 5,111 |
| Net interest income | $2,850,000 | 5,341 |
| Provision for loan and lease losses | $307,000 | 2,782 |
| Total noninterest income | $105,000 | 8,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 7,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 8,541 |
| Total noninterest expense | $1,519,000 | 6,708 |
| Salaries and employee benefits | $747,000 | 6,987 |
| Premises and equipment expense | $305,000 | 5,371 |
| Additional noninterest expense | $467,000 | 6,657 |
| Pre-tax net operating income | $1,129,000 | 4,910 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $426,000 | 3,856 |
| Income before extraordinary items | $703,000 | 5,413 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $703,000 | 5,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $703,000 | 5,414 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,591,000 | 5,866 |
| Total interest expense | $2,256,000 | 5,553 |
| Net interest income | $2,335,000 | 6,050 |
| Provision for loan and lease losses | $197,000 | 3,601 |
| Total noninterest income | $88,000 | 9,017 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,501 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,087 |
| Total noninterest expense | $1,229,000 | 7,495 |
| Salaries and employee benefits | $579,000 | 7,874 |
| Premises and equipment expense | $173,000 | 7,268 |
| Additional noninterest expense | $477,000 | 6,693 |
| Pre-tax net operating income | $997,000 | 5,318 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $381,000 | 4,293 |
| Income before extraordinary items | $616,000 | 5,824 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $616,000 | 5,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 863 |
| Net operating income | $616,000 | 5,793 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,480,000 | 6,980 |
| Total interest expense | $1,851,000 | 6,456 |
| Net interest income | $1,629,000 | 7,417 |
| Provision for loan and lease losses | $192,000 | 3,596 |
| Total noninterest income | $53,000 | 9,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,333 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,739 |
| Total noninterest expense | $1,001,000 | 8,113 |
| Salaries and employee benefits | $495,000 | 8,389 |
| Premises and equipment expense | $215,000 | 6,507 |
| Additional noninterest expense | $291,000 | 8,210 |
| Pre-tax net operating income | $489,000 | 7,428 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $199,000 | 6,206 |
| Income before extraordinary items | $290,000 | 7,971 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $290,000 | 7,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $290,000 | 7,881 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,580,000 | 9,575 |
| Total interest expense | $772,000 | 9,335 |
| Net interest income | $808,000 | 9,649 |
| Provision for loan and lease losses | $143,000 | 4,265 |
| Total noninterest income | $30,000 | 10,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 9,149 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,359 |
| Total noninterest expense | $756,000 | 9,203 |
| Salaries and employee benefits | $444,000 | 8,983 |
| Premises and equipment expense | $120,000 | 8,493 |
| Additional noninterest expense | $192,000 | 9,519 |
| Pre-tax net operating income | $-61,000 | 10,450 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-23,000 | 10,562 |
| Income before extraordinary items | $-38,000 | 10,453 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-38,000 | 10,456 |
| 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 | $0 | 1,030 |
| Net operating income | $-38,000 | 10,418 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $182,000 | 11,378 |
| Total interest expense | $36,000 | 11,376 |
| Net interest income | $146,000 | 11,363 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $1,000 | 11,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,390 |
| Total noninterest expense | $500,000 | 10,590 |
| Salaries and employee benefits | $173,000 | 11,151 |
| Premises and equipment expense | $85,000 | 9,680 |
| Additional noninterest expense | $242,000 | 9,478 |
| Pre-tax net operating income | $-389,000 | 11,190 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-151,000 | 11,233 |
| Income before extraordinary items | $-238,000 | 11,134 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-238,000 | 11,132 |
| 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 | $6,000,000 | 111 |
| Net operating income | $-238,000 | 11,097 |
* 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.