Home > The Bank of Venice > Income and Expense
The Bank of Venice, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,114,000 | 5,688 |
| Total interest expense | $1,117,000 | 4,416 |
| Net interest income | $997,000 | 6,398 |
| Provision for loan and lease losses | $699,000 | 2,504 |
| Total noninterest income | $143,000 | 5,801 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $65,000 | 5,414 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $78,000 | 5,201 |
| Total noninterest expense | $1,934,000 | 4,476 |
| Salaries and employee benefits | $833,000 | 4,978 |
| Premises and equipment expense | $321,000 | 3,737 |
| Additional noninterest expense | $780,000 | 3,949 |
| Pre-tax net operating income | $-1,493,000 | 7,240 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-559,000 | 7,615 |
| Income before extraordinary items | $-934,000 | 7,120 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-934,000 | 7,120 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-934,000 | 7,120 |
| Net charge-offs | $800,000 | 1,835 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-934,000 | 7,099 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 5,609 |
| Total interest expense | $593,000 | 4,383 |
| Net interest income | $523,000 | 6,318 |
| Provision for loan and lease losses | $344,000 | 2,156 |
| Total noninterest income | $64,000 | 6,000 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $28,000 | 5,598 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $36,000 | 5,346 |
| Total noninterest expense | $891,000 | 4,640 |
| Salaries and employee benefits | $419,000 | 5,006 |
| Premises and equipment expense | $157,000 | 3,852 |
| Additional noninterest expense | $315,000 | 4,255 |
| Pre-tax net operating income | $-648,000 | 7,453 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-239,000 | 7,754 |
| Income before extraordinary items | $-409,000 | 7,353 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-409,000 | 7,354 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-409,000 | 7,354 |
| Net charge-offs | $89,000 | 2,993 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-409,000 | 7,316 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,433,000 | 5,777 |
| Total interest expense | $2,103,000 | 5,186 |
| Net interest income | $2,330,000 | 6,063 |
| Provision for loan and lease losses | $1,673,000 | 2,013 |
| Total noninterest income | $134,000 | 6,998 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $126,000 | 5,593 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $8,000 | 7,741 |
| Total noninterest expense | $3,303,000 | 4,821 |
| Salaries and employee benefits | $1,545,000 | 5,253 |
| Premises and equipment expense | $621,000 | 3,835 |
| Additional noninterest expense | $1,137,000 | 4,458 |
| Pre-tax net operating income | $-2,512,000 | 7,492 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-928,000 | 7,683 |
| Income before extraordinary items | $-1,584,000 | 7,229 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,584,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $462,000 | 2,907 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,584,000 | 7,338 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,284,000 | 5,872 |
| Total interest expense | $1,537,000 | 5,367 |
| Net interest income | $1,747,000 | 6,116 |
| Provision for loan and lease losses | $226,000 | 3,995 |
| Total noninterest income | $117,000 | 6,945 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $91,000 | 5,671 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $26,000 | 7,229 |
| Total noninterest expense | $2,430,000 | 4,849 |
| Salaries and employee benefits | $1,143,000 | 5,305 |
| Premises and equipment expense | $468,000 | 3,820 |
| Additional noninterest expense | $819,000 | 4,497 |
| Pre-tax net operating income | $-792,000 | 7,429 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-304,000 | 7,743 |
| Income before extraordinary items | $-488,000 | 7,183 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-488,000 | 7,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 3,300 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-488,000 | 7,321 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,155,000 | 5,972 |
| Total interest expense | $1,013,000 | 5,547 |
| Net interest income | $1,142,000 | 6,173 |
| Provision for loan and lease losses | $81,000 | 4,576 |
| Total noninterest income | $56,000 | 7,355 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $54,000 | 5,837 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,000 | 8,087 |
| Total noninterest expense | $1,598,000 | 4,912 |
| Salaries and employee benefits | $749,000 | 5,403 |
| Premises and equipment expense | $308,000 | 3,890 |
| Additional noninterest expense | $541,000 | 4,501 |
| Pre-tax net operating income | $-481,000 | 7,587 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-185,000 | 7,967 |
| Income before extraordinary items | $-296,000 | 7,515 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-296,000 | 7,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,909 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-296,000 | 7,499 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 6,089 |
| Total interest expense | $480,000 | 5,858 |
| Net interest income | $578,000 | 6,196 |
| Provision for loan and lease losses | $10,000 | 5,419 |
| Total noninterest income | $43,000 | 6,875 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $23,000 | 6,062 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $20,000 | 6,458 |
| Total noninterest expense | $757,000 | 5,105 |
| Salaries and employee benefits | $357,000 | 5,576 |
| Premises and equipment expense | $152,000 | 3,950 |
| Additional noninterest expense | $248,000 | 4,714 |
| Pre-tax net operating income | $-146,000 | 7,660 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-49,000 | 8,024 |
| Income before extraordinary items | $-97,000 | 7,643 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-97,000 | 7,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,162 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-97,000 | 7,601 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,860,000 | 6,942 |
| Total interest expense | $1,220,000 | 6,841 |
| Net interest income | $1,640,000 | 6,938 |
| Provision for loan and lease losses | $10,000 | 6,581 |
| Total noninterest income | $109,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $64,000 | 6,532 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $45,000 | 7,199 |
| Total noninterest expense | $1,778,000 | 6,508 |
| Salaries and employee benefits | $900,000 | 6,702 |
| Premises and equipment expense | $320,000 | 5,632 |
| Additional noninterest expense | $558,000 | 6,322 |
| Pre-tax net operating income | $-39,000 | 7,502 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-18,000 | 7,838 |
| Income before extraordinary items | $-21,000 | 7,535 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-21,000 | 7,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-21,000 | 7,514 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,821,000 | 7,308 |
| Total interest expense | $766,000 | 7,165 |
| Net interest income | $1,055,000 | 7,290 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $75,000 | 7,609 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $36,000 | 6,822 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $39,000 | 7,085 |
| Total noninterest expense | $1,060,000 | 7,031 |
| Salaries and employee benefits | $578,000 | 7,035 |
| Premises and equipment expense | $177,000 | 6,379 |
| Additional noninterest expense | $305,000 | 7,009 |
| Pre-tax net operating income | $70,000 | 7,418 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $21,000 | 5,447 |
| Income before extraordinary items | $49,000 | 7,495 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $49,000 | 7,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,320 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $49,000 | 7,478 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $743,000 | 8,023 |
| Total interest expense | $355,000 | 7,711 |
| Net interest income | $388,000 | 8,135 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $35,000 | 7,953 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $14,000 | 7,128 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $21,000 | 7,329 |
| Total noninterest expense | $396,000 | 7,974 |
| Salaries and employee benefits | $226,000 | 7,966 |
| Premises and equipment expense | $62,000 | 7,522 |
| Additional noninterest expense | $108,000 | 7,972 |
| Pre-tax net operating income | $27,000 | 7,653 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $8,000 | 5,755 |
| Income before extraordinary items | $19,000 | 7,695 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $19,000 | 7,694 |
| 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 | $19,000 | 7,681 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 6,155 |
| Total interest expense | $498,000 | 5,869 |
| Net interest income | $574,000 | 6,273 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $42,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $14,000 | 6,735 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $571,000 | 5,897 |
| Salaries and employee benefits | $338,000 | 5,702 |
| Premises and equipment expense | $89,000 | 5,403 |
| Additional noninterest expense | $144,000 | 6,237 |
| Pre-tax net operating income | $45,000 | 7,346 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $45,000 | 7,226 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $45,000 | 7,226 |
| 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 | $45,000 | 7,220 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,889,000 | 6,199 |
| Total interest expense | $1,569,000 | 6,005 |
| Net interest income | $2,320,000 | 6,208 |
| Provision for loan and lease losses | $188,000 | 3,646 |
| Total noninterest income | $122,000 | 7,551 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $34,000 | 7,114 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $88,000 | 6,534 |
| Total noninterest expense | $1,911,000 | 6,285 |
| Salaries and employee benefits | $1,093,000 | 6,168 |
| Premises and equipment expense | $254,000 | 6,176 |
| Additional noninterest expense | $564,000 | 6,234 |
| Pre-tax net operating income | $343,000 | 6,975 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $343,000 | 6,737 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $343,000 | 6,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,703 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $343,000 | 6,743 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 6,287 |
| Total interest expense | $1,089,000 | 6,138 |
| Net interest income | $1,745,000 | 6,255 |
| Provision for loan and lease losses | $175,000 | 3,146 |
| Total noninterest income | $84,000 | 7,704 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $20,000 | 7,271 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $64,000 | 6,583 |
| Total noninterest expense | $1,310,000 | 6,518 |
| Salaries and employee benefits | $803,000 | 6,219 |
| Premises and equipment expense | $150,000 | 6,756 |
| Additional noninterest expense | $357,000 | 6,649 |
| Pre-tax net operating income | $344,000 | 6,809 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $344,000 | 6,481 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $344,000 | 6,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,781 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $344,000 | 6,488 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 6,347 |
| Total interest expense | $636,000 | 6,337 |
| Net interest income | $1,194,000 | 6,234 |
| Provision for loan and lease losses | $145,000 | 2,719 |
| Total noninterest income | $58,000 | 7,716 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $13,000 | 7,334 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $45,000 | 6,526 |
| Total noninterest expense | $849,000 | 6,621 |
| Salaries and employee benefits | $524,000 | 6,308 |
| Premises and equipment expense | $92,000 | 6,935 |
| Additional noninterest expense | $233,000 | 6,746 |
| Pre-tax net operating income | $258,000 | 6,725 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $258,000 | 6,316 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $258,000 | 6,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,097 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $258,000 | 6,321 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $879,000 | 6,415 |
| Total interest expense | $295,000 | 6,409 |
| Net interest income | $584,000 | 6,303 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $27,000 | 7,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $7,000 | 7,331 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $422,000 | 6,634 |
| Salaries and employee benefits | $259,000 | 6,362 |
| Premises and equipment expense | $46,000 | 6,927 |
| Additional noninterest expense | $117,000 | 6,694 |
| Pre-tax net operating income | $114,000 | 6,893 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $114,000 | 6,507 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $114,000 | 6,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $114,000 | 6,506 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 6,909 |
| Total interest expense | $690,000 | 7,068 |
| Net interest income | $1,930,000 | 6,717 |
| Provision for loan and lease losses | $251,000 | 3,149 |
| Total noninterest income | $113,000 | 7,814 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $31,000 | 7,342 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $82,000 | 6,710 |
| Total noninterest expense | $1,324,000 | 7,178 |
| Salaries and employee benefits | $720,000 | 7,194 |
| Premises and equipment expense | $193,000 | 6,791 |
| Additional noninterest expense | $411,000 | 7,036 |
| Pre-tax net operating income | $468,000 | 6,854 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $468,000 | 6,500 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $468,000 | 6,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,584 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $468,000 | 6,477 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 7,087 |
| Total interest expense | $458,000 | 7,243 |
| Net interest income | $1,360,000 | 6,912 |
| Provision for loan and lease losses | $176,000 | 3,243 |
| Total noninterest income | $90,000 | 7,791 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $22,000 | 7,408 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 6,563 |
| Total noninterest expense | $949,000 | 7,275 |
| Salaries and employee benefits | $504,000 | 7,344 |
| Premises and equipment expense | $143,000 | 6,825 |
| Additional noninterest expense | $302,000 | 7,085 |
| Pre-tax net operating income | $325,000 | 7,093 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $325,000 | 6,791 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $325,000 | 6,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,007 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $325,000 | 6,748 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,086,000 | 7,276 |
| Total interest expense | $245,000 | 7,554 |
| Net interest income | $841,000 | 7,079 |
| Provision for loan and lease losses | $111,000 | 3,210 |
| Total noninterest income | $61,000 | 7,755 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $17,000 | 7,375 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $44,000 | 6,606 |
| Total noninterest expense | $613,000 | 7,346 |
| Salaries and employee benefits | $315,000 | 7,493 |
| Premises and equipment expense | $94,000 | 6,825 |
| Additional noninterest expense | $204,000 | 7,044 |
| Pre-tax net operating income | $178,000 | 7,351 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $178,000 | 7,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $178,000 | 7,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,161 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $178,000 | 7,067 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,511 |
| Total interest expense | $106,000 | 7,755 |
| Net interest income | $389,000 | 7,317 |
| Provision for loan and lease losses | $48,000 | 3,267 |
| Total noninterest income | $31,000 | 7,764 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $8,000 | 7,454 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,629 |
| Total noninterest expense | $302,000 | 7,433 |
| Salaries and employee benefits | $157,000 | 7,557 |
| Premises and equipment expense | $46,000 | 6,938 |
| Additional noninterest expense | $99,000 | 7,165 |
| Pre-tax net operating income | $70,000 | 7,637 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $70,000 | 7,428 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $70,000 | 7,427 |
| 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 | $70,000 | 7,397 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 8,060 |
| Total interest expense | $323,000 | 7,995 |
| Net interest income | $1,018,000 | 7,986 |
| Provision for loan and lease losses | $127,000 | 4,522 |
| Total noninterest income | $62,000 | 8,478 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $32,000 | 7,529 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $30,000 | 7,956 |
| Total noninterest expense | $1,139,000 | 7,553 |
| Salaries and employee benefits | $627,000 | 7,558 |
| Premises and equipment expense | $178,000 | 6,998 |
| Additional noninterest expense | $334,000 | 7,501 |
| Pre-tax net operating income | $-186,000 | 8,529 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-186,000 | 8,575 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-186,000 | 8,576 |
| 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 | $1,972,000 | 353 |
| Net operating income | $-186,000 | 8,543 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $912,000 | 8,237 |
| Total interest expense | $224,000 | 8,135 |
| Net interest income | $688,000 | 8,181 |
| Provision for loan and lease losses | $91,000 | 4,413 |
| Total noninterest income | $40,000 | 8,610 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $24,000 | 7,583 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 8,210 |
| Total noninterest expense | $844,000 | 7,549 |
| Salaries and employee benefits | $477,000 | 7,462 |
| Premises and equipment expense | $131,000 | 7,018 |
| Additional noninterest expense | $236,000 | 7,616 |
| Pre-tax net operating income | $-207,000 | 8,652 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-207,000 | 8,685 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-207,000 | 8,687 |
| 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 | $-207,000 | 8,659 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $559,000 | 8,380 |
| Total interest expense | $128,000 | 8,354 |
| Net interest income | $431,000 | 8,313 |
| Provision for loan and lease losses | $55,000 | 4,589 |
| Total noninterest income | $24,000 | 8,711 |
| 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 | $10,000 | 8,299 |
| Total noninterest expense | $556,000 | 7,620 |
| Salaries and employee benefits | $322,000 | 7,485 |
| Premises and equipment expense | $82,000 | 7,177 |
| Additional noninterest expense | $152,000 | 7,700 |
| Pre-tax net operating income | $-156,000 | 8,733 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-156,000 | 8,758 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-156,000 | 8,759 |
| 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 | $-156,000 | 8,732 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $258,000 | 8,513 |
| Total interest expense | $52,000 | 8,600 |
| Net interest income | $206,000 | 8,402 |
| Provision for loan and lease losses | $26,000 | 4,484 |
| Total noninterest income | $13,000 | 8,701 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $287,000 | 7,598 |
| Salaries and employee benefits | $168,000 | 7,445 |
| Premises and equipment expense | $41,000 | 7,205 |
| Additional noninterest expense | $78,000 | 7,684 |
| Pre-tax net operating income | $-94,000 | 8,792 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-94,000 | 8,828 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-94,000 | 8,829 |
| 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 | $-94,000 | 8,795 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $593,000 | 8,897 |
| Total interest expense | $107,000 | 8,942 |
| Net interest income | $486,000 | 8,819 |
| Provision for loan and lease losses | $169,000 | 4,376 |
| Total noninterest income | $66,000 | 8,638 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $24,000 | 7,788 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $42,000 | 7,762 |
| Total noninterest expense | $1,186,000 | 7,496 |
| Salaries and employee benefits | $611,000 | 7,647 |
| Premises and equipment expense | $217,000 | 6,578 |
| Additional noninterest expense | $358,000 | 7,395 |
| Pre-tax net operating income | $-803,000 | 8,926 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-803,000 | 8,998 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-803,000 | 8,998 |
| 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 | $6,768,000 | 154 |
| Net operating income | $-803,000 | 8,947 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $386,000 | 9,019 |
| Total interest expense | $70,000 | 9,068 |
| Net interest income | $316,000 | 8,960 |
| Provision for loan and lease losses | $123,000 | 4,315 |
| Total noninterest income | $49,000 | 8,734 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $9,000 | 7,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $40,000 | 7,508 |
| Total noninterest expense | $922,000 | 7,399 |
| Salaries and employee benefits | $469,000 | 7,557 |
| Premises and equipment expense | $166,000 | 6,526 |
| Additional noninterest expense | $287,000 | 7,256 |
| Pre-tax net operating income | $-680,000 | 9,013 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-680,000 | 9,074 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-680,000 | 9,072 |
| 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 | $6,766,000 | 100 |
| Net operating income | $-680,000 | 9,022 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $192,000 | 9,134 |
| Total interest expense | $38,000 | 9,139 |
| Net interest income | $154,000 | 9,104 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $24,000 | 8,909 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $5,000 | 8,028 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $19,000 | 7,898 |
| Total noninterest expense | $665,000 | 7,237 |
| Salaries and employee benefits | $315,000 | 7,559 |
| Premises and equipment expense | $120,000 | 6,262 |
| Additional noninterest expense | $230,000 | 6,774 |
| Pre-tax net operating income | $-567,000 | 9,091 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-567,000 | 9,151 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-567,000 | 9,149 |
| 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 | $6,766,000 | 64 |
| Net operating income | $-567,000 | 9,095 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $57,000 | 9,234 |
| Total interest expense | $11,000 | 9,218 |
| Net interest income | $46,000 | 9,218 |
| Provision for loan and lease losses | $44,000 | 4,021 |
| Total noninterest income | $9,000 | 9,027 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 7,987 |
| Total noninterest expense | $411,000 | 6,626 |
| Salaries and employee benefits | $159,000 | 7,568 |
| Premises and equipment expense | $75,000 | 5,636 |
| Additional noninterest expense | $177,000 | 5,409 |
| Pre-tax net operating income | $-400,000 | 9,181 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-400,000 | 9,219 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-400,000 | 9,215 |
| 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 | $6,766,000 | 33 |
| Net operating income | $-400,000 | 9,171 |
* 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.