Home > The Bank of Richmond > Income and Expense
The Bank of Richmond, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,563,000 | 2,815 |
| Total interest expense | $1,634,000 | 2,766 |
| Net interest income | $1,929,000 | 2,851 |
| Provision for loan and lease losses | $116,000 | 1,836 |
| Total noninterest income | $255,000 | 3,475 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $57,000 | 4,628 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $198,000 | 2,563 |
| Total noninterest expense | $1,202,000 | 3,568 |
| Salaries and employee benefits | $850,000 | 2,917 |
| Premises and equipment expense | $100,000 | 5,048 |
| Additional noninterest expense | $252,000 | 4,512 |
| Pre-tax net operating income | $866,000 | 2,417 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $294,000 | 1,876 |
| Income before extraordinary items | $572,000 | 2,739 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $572,000 | 2,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,389 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 451 |
| Net operating income | $572,000 | 2,724 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,286,000 | 3,020 |
| Total interest expense | $4,846,000 | 3,110 |
| Net interest income | $7,440,000 | 2,943 |
| Provision for loan and lease losses | $191,000 | 3,616 |
| Total noninterest income | $602,000 | 4,719 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $244,000 | 4,558 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $358,000 | 3,951 |
| Total noninterest expense | $4,608,000 | 3,573 |
| Salaries and employee benefits | $3,056,000 | 3,084 |
| Premises and equipment expense | $414,000 | 4,816 |
| Additional noninterest expense | $1,138,000 | 4,102 |
| Pre-tax net operating income | $3,243,000 | 2,640 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,140,000 | 2,016 |
| Income before extraordinary items | $2,103,000 | 2,995 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,103,000 | 2,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,595 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $173,000 | 786 |
| Net operating income | $2,103,000 | 2,987 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,816,000 | 3,122 |
| Total interest expense | $3,301,000 | 3,252 |
| Net interest income | $5,515,000 | 3,007 |
| Provision for loan and lease losses | $191,000 | 2,958 |
| Total noninterest income | $413,000 | 4,941 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $190,000 | 4,510 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $223,000 | 4,309 |
| Total noninterest expense | $3,366,000 | 3,643 |
| Salaries and employee benefits | $2,186,000 | 3,211 |
| Premises and equipment expense | $313,000 | 4,791 |
| Additional noninterest expense | $867,000 | 4,031 |
| Pre-tax net operating income | $2,371,000 | 2,775 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $809,000 | 2,183 |
| Income before extraordinary items | $1,562,000 | 3,115 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,562,000 | 3,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 928 |
| Net operating income | $1,562,000 | 3,105 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,487,000 | 3,266 |
| Total interest expense | $1,957,000 | 3,445 |
| Net interest income | $3,530,000 | 3,106 |
| Provision for loan and lease losses | $82,000 | 3,696 |
| Total noninterest income | $283,000 | 4,875 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $125,000 | 4,515 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $158,000 | 4,200 |
| Total noninterest expense | $2,208,000 | 3,693 |
| Salaries and employee benefits | $1,425,000 | 3,276 |
| Premises and equipment expense | $0 | 8,741 |
| Additional noninterest expense | $783,000 | 3,195 |
| Pre-tax net operating income | $1,523,000 | 2,853 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $517,000 | 2,253 |
| Income before extraordinary items | $1,006,000 | 3,191 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,006,000 | 3,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,252 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 768 |
| Net operating income | $1,006,000 | 3,186 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,584,000 | 3,354 |
| Total interest expense | $912,000 | 3,499 |
| Net interest income | $1,672,000 | 3,248 |
| Provision for loan and lease losses | $8,000 | 5,456 |
| Total noninterest income | $142,000 | 4,809 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $58,000 | 4,612 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $84,000 | 4,044 |
| Total noninterest expense | $1,108,000 | 3,701 |
| Salaries and employee benefits | $707,000 | 3,303 |
| Premises and equipment expense | $96,000 | 5,080 |
| Additional noninterest expense | $305,000 | 3,840 |
| Pre-tax net operating income | $698,000 | 2,979 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $238,000 | 2,350 |
| Income before extraordinary items | $460,000 | 3,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $460,000 | 3,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $460,000 | 3,341 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,261,000 | 3,668 |
| Total interest expense | $2,296,000 | 4,039 |
| Net interest income | $5,965,000 | 3,439 |
| Provision for loan and lease losses | $302,000 | 2,793 |
| Total noninterest income | $679,000 | 4,467 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $241,000 | 4,642 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $438,000 | 3,618 |
| Total noninterest expense | $4,056,000 | 3,828 |
| Salaries and employee benefits | $2,548,000 | 3,424 |
| Premises and equipment expense | $365,000 | 5,152 |
| Additional noninterest expense | $1,143,000 | 4,015 |
| Pre-tax net operating income | $2,286,000 | 3,362 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $780,000 | 2,644 |
| Income before extraordinary items | $1,506,000 | 3,780 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,506,000 | 3,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,675 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 813 |
| Net operating income | $1,506,000 | 3,744 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,865,000 | 3,784 |
| Total interest expense | $1,549,000 | 4,199 |
| Net interest income | $4,316,000 | 3,533 |
| Provision for loan and lease losses | $194,000 | 3,018 |
| Total noninterest income | $521,000 | 4,430 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $185,000 | 4,627 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $336,000 | 3,594 |
| Total noninterest expense | $2,993,000 | 3,841 |
| Salaries and employee benefits | $1,867,000 | 3,465 |
| Premises and equipment expense | $266,000 | 5,221 |
| Additional noninterest expense | $860,000 | 3,957 |
| Pre-tax net operating income | $1,650,000 | 3,511 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $561,000 | 2,753 |
| Income before extraordinary items | $1,089,000 | 3,930 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,089,000 | 3,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,957 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 639 |
| Net operating income | $1,089,000 | 3,888 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,714,000 | 3,852 |
| Total interest expense | $933,000 | 4,342 |
| Net interest income | $2,781,000 | 3,617 |
| Provision for loan and lease losses | $135,000 | 2,835 |
| Total noninterest income | $326,000 | 4,571 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $121,000 | 4,629 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $205,000 | 3,728 |
| Total noninterest expense | $1,934,000 | 3,914 |
| Salaries and employee benefits | $1,195,000 | 3,570 |
| Premises and equipment expense | $175,000 | 5,260 |
| Additional noninterest expense | $564,000 | 3,987 |
| Pre-tax net operating income | $1,038,000 | 3,617 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $353,000 | 2,809 |
| Income before extraordinary items | $685,000 | 4,056 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $685,000 | 4,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 508 |
| Net operating income | $685,000 | 3,997 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,760,000 | 3,987 |
| Total interest expense | $443,000 | 4,376 |
| Net interest income | $1,317,000 | 3,765 |
| Provision for loan and lease losses | $88,000 | 2,305 |
| Total noninterest income | $146,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $54,000 | 4,823 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $92,000 | 3,905 |
| Total noninterest expense | $946,000 | 4,012 |
| Salaries and employee benefits | $587,000 | 3,630 |
| Premises and equipment expense | $93,000 | 5,112 |
| Additional noninterest expense | $266,000 | 4,163 |
| Pre-tax net operating income | $429,000 | 4,083 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $146,000 | 3,148 |
| Income before extraordinary items | $283,000 | 4,527 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $283,000 | 4,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 326 |
| Net operating income | $283,000 | 4,487 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,054,000 | 4,237 |
| Total interest expense | $1,791,000 | 3,987 |
| Net interest income | $4,263,000 | 4,285 |
| Provision for loan and lease losses | $262,000 | 3,175 |
| Total noninterest income | $555,000 | 5,014 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $240,000 | 4,827 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $315,000 | 4,176 |
| Total noninterest expense | $3,294,000 | 4,376 |
| Salaries and employee benefits | $2,033,000 | 3,944 |
| Premises and equipment expense | $345,000 | 5,271 |
| Additional noninterest expense | $916,000 | 4,627 |
| Pre-tax net operating income | $1,262,000 | 4,673 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $434,000 | 3,572 |
| Income before extraordinary items | $828,000 | 5,184 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $828,000 | 5,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,079 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $828,000 | 5,114 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,373,000 | 4,323 |
| Total interest expense | $1,341,000 | 3,945 |
| Net interest income | $3,032,000 | 4,431 |
| Provision for loan and lease losses | $194,000 | 3,055 |
| Total noninterest income | $406,000 | 5,096 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $180,000 | 4,857 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $226,000 | 4,260 |
| Total noninterest expense | $2,477,000 | 4,323 |
| Salaries and employee benefits | $1,512,000 | 3,926 |
| Premises and equipment expense | $261,000 | 5,203 |
| Additional noninterest expense | $704,000 | 4,501 |
| Pre-tax net operating income | $767,000 | 5,310 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $261,000 | 4,004 |
| Income before extraordinary items | $506,000 | 5,786 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $506,000 | 5,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,743 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $506,000 | 5,714 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,858,000 | 4,388 |
| Total interest expense | $886,000 | 3,976 |
| Net interest income | $1,972,000 | 4,516 |
| Provision for loan and lease losses | $146,000 | 2,838 |
| Total noninterest income | $259,000 | 5,199 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $115,000 | 4,961 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $144,000 | 4,389 |
| Total noninterest expense | $1,643,000 | 4,376 |
| Salaries and employee benefits | $981,000 | 4,047 |
| Premises and equipment expense | $178,000 | 5,148 |
| Additional noninterest expense | $484,000 | 4,415 |
| Pre-tax net operating income | $442,000 | 5,616 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $150,000 | 4,252 |
| Income before extraordinary items | $292,000 | 6,090 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $292,000 | 6,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,147 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $292,000 | 6,018 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,397,000 | 4,491 |
| Total interest expense | $441,000 | 4,034 |
| Net interest income | $956,000 | 4,613 |
| Provision for loan and lease losses | $108,000 | 1,991 |
| Total noninterest income | $130,000 | 5,127 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $55,000 | 4,979 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $75,000 | 4,300 |
| Total noninterest expense | $814,000 | 4,417 |
| Salaries and employee benefits | $495,000 | 4,040 |
| Premises and equipment expense | $86,000 | 5,308 |
| Additional noninterest expense | $233,000 | 4,555 |
| Pre-tax net operating income | $164,000 | 6,261 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $56,000 | 4,705 |
| Income before extraordinary items | $108,000 | 6,727 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $108,000 | 6,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $108,000 | 6,610 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,947,000 | 4,930 |
| Total interest expense | $1,822,000 | 4,313 |
| Net interest income | $3,125,000 | 5,180 |
| Provision for loan and lease losses | $267,000 | 3,428 |
| Total noninterest income | $557,000 | 5,149 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $229,000 | 4,959 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $328,000 | 4,323 |
| Total noninterest expense | $2,946,000 | 4,656 |
| Salaries and employee benefits | $1,745,000 | 4,354 |
| Premises and equipment expense | $356,000 | 5,113 |
| Additional noninterest expense | $845,000 | 4,874 |
| Pre-tax net operating income | $469,000 | 6,775 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $111,000 | 5,607 |
| Income before extraordinary items | $358,000 | 6,995 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $358,000 | 6,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,943 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $358,000 | 6,847 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,600,000 | 5,095 |
| Total interest expense | $1,380,000 | 4,405 |
| Net interest income | $2,220,000 | 5,364 |
| Provision for loan and lease losses | $191,000 | 3,420 |
| Total noninterest income | $417,000 | 5,202 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $169,000 | 5,025 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $248,000 | 4,394 |
| Total noninterest expense | $2,177,000 | 4,696 |
| Salaries and employee benefits | $1,270,000 | 4,438 |
| Premises and equipment expense | $273,000 | 5,037 |
| Additional noninterest expense | $634,000 | 4,821 |
| Pre-tax net operating income | $269,000 | 7,336 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $43,000 | 6,338 |
| Income before extraordinary items | $226,000 | 7,418 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $226,000 | 7,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,102 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $226,000 | 7,261 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,350,000 | 5,203 |
| Total interest expense | $937,000 | 4,458 |
| Net interest income | $1,413,000 | 5,521 |
| Provision for loan and lease losses | $96,000 | 3,940 |
| Total noninterest income | $269,000 | 5,274 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $108,000 | 5,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $161,000 | 4,447 |
| Total noninterest expense | $1,483,000 | 4,634 |
| Salaries and employee benefits | $851,000 | 4,428 |
| Premises and equipment expense | $187,000 | 4,922 |
| Additional noninterest expense | $445,000 | 4,629 |
| Pre-tax net operating income | $103,000 | 7,979 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $103,000 | 7,925 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $103,000 | 7,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,544 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $103,000 | 7,748 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,130,000 | 5,344 |
| Total interest expense | $469,000 | 4,543 |
| Net interest income | $661,000 | 5,726 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $116,000 | 5,535 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $56,000 | 4,926 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 4,921 |
| Total noninterest expense | $661,000 | 5,006 |
| Salaries and employee benefits | $409,000 | 4,549 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $168,000 | 5,579 |
| Pre-tax net operating income | $41,000 | 8,135 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $41,000 | 8,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $41,000 | 7,929 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,749,000 | 6,118 |
| Total interest expense | $1,661,000 | 5,403 |
| Net interest income | $2,088,000 | 6,485 |
| Provision for loan and lease losses | $322,000 | 3,287 |
| Total noninterest income | $439,000 | 5,554 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $157,000 | 5,752 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $282,000 | 4,383 |
| Total noninterest expense | $2,500,000 | 5,092 |
| Salaries and employee benefits | $1,416,000 | 4,901 |
| Premises and equipment expense | $390,000 | 4,735 |
| Additional noninterest expense | $694,000 | 5,438 |
| Pre-tax net operating income | $-295,000 | 8,887 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-50,000 | 8,991 |
| Income before extraordinary items | $-245,000 | 8,925 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-245,000 | 8,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,032 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-245,000 | 8,871 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,422,000 | 6,829 |
| Total interest expense | $1,688,000 | 6,623 |
| Net interest income | $1,734,000 | 6,920 |
| Provision for loan and lease losses | $181,000 | 4,336 |
| Total noninterest income | $195,000 | 7,358 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $61,000 | 7,379 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $134,000 | 5,754 |
| Total noninterest expense | $1,749,000 | 6,240 |
| Salaries and employee benefits | $968,000 | 6,104 |
| Premises and equipment expense | $245,000 | 6,143 |
| Additional noninterest expense | $536,000 | 6,226 |
| Pre-tax net operating income | $-1,000 | 8,735 |
| Securities gains (losses) | $24,000 | 3,012 |
| Applicable income taxes | $-8,000 | 8,991 |
| Income before extraordinary items | $31,000 | 8,692 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $31,000 | 8,691 |
| 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 | $47,000 | 742 |
| Net operating income | $7,000 | 8,708 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,777,000 | 7,638 |
| Total interest expense | $1,334,000 | 7,497 |
| Net interest income | $1,443,000 | 7,563 |
| Provision for loan and lease losses | $167,000 | 4,190 |
| Total noninterest income | $43,000 | 9,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 8,923 |
| Total noninterest expense | $1,201,000 | 7,500 |
| Salaries and employee benefits | $626,000 | 7,559 |
| Premises and equipment expense | $165,000 | 7,329 |
| Additional noninterest expense | $410,000 | 7,070 |
| Pre-tax net operating income | $118,000 | 8,738 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $121,000 | 8,573 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $121,000 | 8,572 |
| 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 | $118,000 | 8,588 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $608,000 | 9,907 |
| Total interest expense | $208,000 | 9,925 |
| Net interest income | $400,000 | 9,821 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $8,000 | 10,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 8,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $436,000 | 9,778 |
| Salaries and employee benefits | $232,000 | 9,784 |
| Premises and equipment expense | $47,000 | 9,694 |
| Additional noninterest expense | $157,000 | 9,451 |
| Pre-tax net operating income | $-98,000 | 9,534 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-98,000 | 9,570 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-98,000 | 9,568 |
| 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 | $14,164,000 | 48 |
| Net operating income | $-98,000 | 9,549 |
* 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.