Home > The Clifton Heights Savings & Loan Company > Income and Expense
The Clifton Heights Savings & Loan Company, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $728,000 | 8,265 |
| Total interest expense | $427,000 | 7,895 |
| Net interest income | $301,000 | 8,396 |
| Provision for loan and lease losses | $73,000 | 4,621 |
| Total noninterest income | $22,000 | 8,237 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $22,000 | 7,602 |
| Total noninterest expense | $360,000 | 8,346 |
| Salaries and employee benefits | $184,000 | 8,361 |
| Premises and equipment expense | $65,000 | 7,870 |
| Additional noninterest expense | $111,000 | 8,262 |
| Pre-tax net operating income | $-110,000 | 7,816 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-25,000 | 8,095 |
| Income before extraordinary items | $-85,000 | 7,836 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-85,000 | 7,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,232 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-85,000 | 7,820 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $484,000 | 8,333 |
| Total interest expense | $285,000 | 7,940 |
| Net interest income | $199,000 | 8,467 |
| Provision for loan and lease losses | $44,000 | 4,563 |
| Total noninterest income | $14,000 | 8,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $14,000 | 7,664 |
| Total noninterest expense | $234,000 | 8,409 |
| Salaries and employee benefits | $119,000 | 8,430 |
| Premises and equipment expense | $41,000 | 7,972 |
| Additional noninterest expense | $74,000 | 8,300 |
| Pre-tax net operating income | $-65,000 | 7,913 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-25,000 | 8,221 |
| Income before extraordinary items | $-40,000 | 7,895 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-40,000 | 7,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,999 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-40,000 | 7,884 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $248,000 | 8,375 |
| Total interest expense | $144,000 | 7,974 |
| Net interest income | $104,000 | 8,507 |
| Provision for loan and lease losses | $44,000 | 3,369 |
| Total noninterest income | $12,000 | 8,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $113,000 | 8,467 |
| Salaries and employee benefits | $58,000 | 8,489 |
| Premises and equipment expense | $21,000 | 7,981 |
| Additional noninterest expense | $34,000 | 8,389 |
| Pre-tax net operating income | $-41,000 | 8,007 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-15,000 | 8,278 |
| Income before extraordinary items | $-26,000 | 7,983 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-26,000 | 7,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,850 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-26,000 | 7,967 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,018,000 | 8,271 |
| Total interest expense | $551,000 | 7,821 |
| Net interest income | $467,000 | 8,434 |
| Provision for loan and lease losses | $24,000 | 6,182 |
| Total noninterest income | $55,000 | 8,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $55,000 | 7,154 |
| Total noninterest expense | $538,000 | 8,397 |
| Salaries and employee benefits | $266,000 | 8,447 |
| Premises and equipment expense | $89,000 | 7,927 |
| Additional noninterest expense | $183,000 | 8,205 |
| Pre-tax net operating income | $-40,000 | 8,003 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,000 | 6,435 |
| Income before extraordinary items | $-42,000 | 8,028 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-42,000 | 8,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,643 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-42,000 | 8,019 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $764,000 | 8,333 |
| Total interest expense | $401,000 | 7,875 |
| Net interest income | $363,000 | 8,491 |
| Provision for loan and lease losses | $19,000 | 6,039 |
| Total noninterest income | $46,000 | 8,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $46,000 | 7,042 |
| Total noninterest expense | $392,000 | 8,442 |
| Salaries and employee benefits | $199,000 | 8,480 |
| Premises and equipment expense | $66,000 | 7,975 |
| Additional noninterest expense | $127,000 | 8,311 |
| Pre-tax net operating income | $-2,000 | 8,119 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,000 | 6,519 |
| Income before extraordinary items | $-4,000 | 8,137 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-4,000 | 8,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,787 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-4,000 | 8,122 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $503,000 | 8,391 |
| Total interest expense | $254,000 | 7,920 |
| Net interest income | $249,000 | 8,543 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $26,000 | 8,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,282 |
| Total noninterest expense | $252,000 | 8,510 |
| Salaries and employee benefits | $133,000 | 8,529 |
| Premises and equipment expense | $43,000 | 8,003 |
| Additional noninterest expense | $76,000 | 8,420 |
| Pre-tax net operating income | $17,000 | 8,103 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,000 | 6,505 |
| Income before extraordinary items | $15,000 | 8,114 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $15,000 | 8,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,129 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $15,000 | 8,110 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $249,000 | 8,407 |
| Total interest expense | $120,000 | 7,952 |
| Net interest income | $129,000 | 8,555 |
| Provision for loan and lease losses | $2,000 | 5,907 |
| Total noninterest income | $14,000 | 8,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,173 |
| Total noninterest expense | $127,000 | 8,521 |
| Salaries and employee benefits | $69,000 | 8,528 |
| Premises and equipment expense | $21,000 | 8,027 |
| Additional noninterest expense | $37,000 | 8,446 |
| Pre-tax net operating income | $14,000 | 8,089 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,000 | 6,346 |
| Income before extraordinary items | $12,000 | 8,087 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $12,000 | 8,080 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $883,000 | 8,433 |
| Total interest expense | $380,000 | 7,952 |
| Net interest income | $503,000 | 8,528 |
| Provision for loan and lease losses | $47,000 | 5,842 |
| Total noninterest income | $83,000 | 8,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $83,000 | 6,696 |
| Total noninterest expense | $494,000 | 8,568 |
| Salaries and employee benefits | $262,000 | 8,570 |
| Premises and equipment expense | $81,000 | 8,087 |
| Additional noninterest expense | $151,000 | 8,484 |
| Pre-tax net operating income | $45,000 | 8,149 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $11,000 | 6,510 |
| Income before extraordinary items | $34,000 | 8,196 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $34,000 | 8,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $34,000 | 8,164 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $639,000 | 8,481 |
| Total interest expense | $263,000 | 8,035 |
| Net interest income | $376,000 | 8,582 |
| Provision for loan and lease losses | $7,000 | 6,660 |
| Total noninterest income | $68,000 | 8,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 6,563 |
| Total noninterest expense | $370,000 | 8,562 |
| Salaries and employee benefits | $197,000 | 8,575 |
| Premises and equipment expense | $63,000 | 8,051 |
| Additional noninterest expense | $110,000 | 8,510 |
| Pre-tax net operating income | $67,000 | 8,125 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $11,000 | 6,502 |
| Income before extraordinary items | $56,000 | 8,168 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $56,000 | 8,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $56,000 | 8,133 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $417,000 | 8,507 |
| Total interest expense | $166,000 | 8,055 |
| Net interest income | $251,000 | 8,591 |
| Provision for loan and lease losses | $7,000 | 6,262 |
| Total noninterest income | $50,000 | 7,967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $50,000 | 6,409 |
| Total noninterest expense | $246,000 | 8,571 |
| Salaries and employee benefits | $128,000 | 8,600 |
| Premises and equipment expense | $44,000 | 8,001 |
| Additional noninterest expense | $74,000 | 8,506 |
| Pre-tax net operating income | $48,000 | 8,147 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,000 | 6,566 |
| Income before extraordinary items | $42,000 | 8,166 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $42,000 | 8,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $42,000 | 8,133 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $199,000 | 8,607 |
| Total interest expense | $75,000 | 8,195 |
| Net interest income | $124,000 | 8,678 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $34,000 | 7,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $111,000 | 8,697 |
| Salaries and employee benefits | $61,000 | 8,683 |
| Premises and equipment expense | $18,000 | 8,281 |
| Additional noninterest expense | $32,000 | 8,653 |
| Pre-tax net operating income | $40,000 | 8,020 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $6,000 | 6,318 |
| Income before extraordinary items | $34,000 | 8,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $34,000 | 8,028 |
| 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 | $34,000 | 8,001 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $747,000 | 8,612 |
| Total interest expense | $278,000 | 8,183 |
| Net interest income | $469,000 | 8,667 |
| Provision for loan and lease losses | $11,000 | 7,005 |
| Total noninterest income | $123,000 | 7,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $123,000 | 6,060 |
| Total noninterest expense | $477,000 | 8,699 |
| Salaries and employee benefits | $241,000 | 8,742 |
| Premises and equipment expense | $73,000 | 8,310 |
| Additional noninterest expense | $163,000 | 8,524 |
| Pre-tax net operating income | $104,000 | 8,100 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $13,000 | 6,689 |
| Income before extraordinary items | $91,000 | 8,138 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $91,000 | 8,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,680 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $91,000 | 8,093 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $551,000 | 8,670 |
| Total interest expense | $206,000 | 8,230 |
| Net interest income | $345,000 | 8,735 |
| Provision for loan and lease losses | $11,000 | 6,669 |
| Total noninterest income | $104,000 | 7,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $104,000 | 5,840 |
| Total noninterest expense | $362,000 | 8,716 |
| Salaries and employee benefits | $185,000 | 8,759 |
| Premises and equipment expense | $55,000 | 8,312 |
| Additional noninterest expense | $122,000 | 8,533 |
| Pre-tax net operating income | $76,000 | 8,230 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $8,000 | 6,848 |
| Income before extraordinary items | $68,000 | 8,235 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $68,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,894 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $68,000 | 8,195 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $353,000 | 8,746 |
| Total interest expense | $139,000 | 8,276 |
| Net interest income | $214,000 | 8,829 |
| Provision for loan and lease losses | $11,000 | 6,344 |
| Total noninterest income | $76,000 | 7,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $76,000 | 5,692 |
| Total noninterest expense | $245,000 | 8,750 |
| Salaries and employee benefits | $126,000 | 8,803 |
| Premises and equipment expense | $38,000 | 8,310 |
| Additional noninterest expense | $81,000 | 8,573 |
| Pre-tax net operating income | $34,000 | 8,328 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $34,000 | 8,360 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $34,000 | 8,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $34,000 | 8,295 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $176,000 | 8,784 |
| Total interest expense | $71,000 | 8,324 |
| Net interest income | $105,000 | 8,875 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $19,000 | 8,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $123,000 | 8,795 |
| Salaries and employee benefits | $68,000 | 8,796 |
| Premises and equipment expense | $18,000 | 8,372 |
| Additional noninterest expense | $37,000 | 8,708 |
| Pre-tax net operating income | $1,000 | 8,530 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-6,000 | 8,834 |
| Income before extraordinary items | $7,000 | 8,505 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $7,000 | 8,507 |
| 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 | $7,000 | 8,444 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $760,000 | 8,778 |
| Total interest expense | $358,000 | 8,257 |
| Net interest income | $402,000 | 8,897 |
| Provision for loan and lease losses | $22,000 | 7,018 |
| Total noninterest income | $84,000 | 8,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $84,000 | 6,810 |
| Total noninterest expense | $456,000 | 8,893 |
| Salaries and employee benefits | $241,000 | 8,924 |
| Premises and equipment expense | $73,000 | 8,445 |
| Additional noninterest expense | $142,000 | 8,800 |
| Pre-tax net operating income | $8,000 | 8,498 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $5,000 | 7,192 |
| Income before extraordinary items | $3,000 | 8,614 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,000 | 8,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,116 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,000 | 8,525 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $584,000 | 8,849 |
| Total interest expense | $276,000 | 8,352 |
| Net interest income | $308,000 | 8,969 |
| Provision for loan and lease losses | $14,000 | 7,000 |
| Total noninterest income | $60,000 | 8,568 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $60,000 | 6,950 |
| Total noninterest expense | $331,000 | 8,951 |
| Salaries and employee benefits | $180,000 | 8,959 |
| Premises and equipment expense | $54,000 | 8,492 |
| Additional noninterest expense | $97,000 | 8,914 |
| Pre-tax net operating income | $23,000 | 8,557 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $5,000 | 7,232 |
| Income before extraordinary items | $18,000 | 8,665 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $18,000 | 8,666 |
| 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 | $18,000 | 8,566 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $405,000 | 8,874 |
| Total interest expense | $187,000 | 8,415 |
| Net interest income | $218,000 | 8,982 |
| Provision for loan and lease losses | $14,000 | 6,643 |
| Total noninterest income | $40,000 | 8,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $40,000 | 6,937 |
| Total noninterest expense | $220,000 | 8,980 |
| Salaries and employee benefits | $121,000 | 8,989 |
| Premises and equipment expense | $36,000 | 8,500 |
| Additional noninterest expense | $63,000 | 8,934 |
| Pre-tax net operating income | $24,000 | 8,530 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $5,000 | 7,181 |
| Income before extraordinary items | $19,000 | 8,656 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $19,000 | 8,657 |
| 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 | $19,000 | 8,535 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $217,000 | 8,883 |
| Total interest expense | $95,000 | 8,490 |
| Net interest income | $122,000 | 8,986 |
| Provision for loan and lease losses | $14,000 | 5,838 |
| Total noninterest income | $17,000 | 8,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $110,000 | 9,026 |
| Salaries and employee benefits | $60,000 | 9,027 |
| Premises and equipment expense | $17,000 | 8,567 |
| Additional noninterest expense | $33,000 | 8,956 |
| Pre-tax net operating income | $15,000 | 8,517 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $12,000 | 8,603 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,000 | 8,600 |
| 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 | $12,000 | 8,497 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $931,000 | 8,914 |
| Total interest expense | $478,000 | 8,439 |
| Net interest income | $453,000 | 9,047 |
| Provision for loan and lease losses | $22,000 | 7,458 |
| Total noninterest income | $77,000 | 8,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $77,000 | 6,949 |
| Total noninterest expense | $430,000 | 9,094 |
| Salaries and employee benefits | $238,000 | 9,085 |
| Premises and equipment expense | $78,000 | 8,471 |
| Additional noninterest expense | $114,000 | 9,104 |
| Pre-tax net operating income | $78,000 | 8,375 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $15,000 | 7,161 |
| Income before extraordinary items | $63,000 | 8,494 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $63,000 | 8,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $63,000 | 8,405 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,145,000 | 9,034 |
| Total interest expense | $744,000 | 8,548 |
| Net interest income | $401,000 | 9,309 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $87,000 | 8,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $87,000 | 6,726 |
| Total noninterest expense | $418,000 | 9,330 |
| Salaries and employee benefits | $221,000 | 9,343 |
| Premises and equipment expense | $70,000 | 8,801 |
| Additional noninterest expense | $127,000 | 9,210 |
| Pre-tax net operating income | $58,000 | 8,514 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $8,000 | 7,657 |
| Income before extraordinary items | $50,000 | 8,605 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $50,000 | 8,603 |
| 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 | $0 | 922 |
| Net operating income | $50,000 | 8,510 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,119,000 | 9,303 |
| Total interest expense | $726,000 | 8,801 |
| Net interest income | $393,000 | 9,587 |
| Provision for loan and lease losses | $51,000 | 6,491 |
| Total noninterest income | $69,000 | 9,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $69,000 | 7,208 |
| Total noninterest expense | $382,000 | 9,631 |
| Salaries and employee benefits | $199,000 | 9,639 |
| Premises and equipment expense | $68,000 | 9,023 |
| Additional noninterest expense | $115,000 | 9,534 |
| Pre-tax net operating income | $29,000 | 9,022 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $7,000 | 8,144 |
| Income before extraordinary items | $22,000 | 9,067 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $22,000 | 9,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,482 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $22,000 | 9,051 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $947,000 | 9,659 |
| Total interest expense | $573,000 | 9,276 |
| Net interest income | $374,000 | 9,861 |
| Provision for loan and lease losses | $6,000 | 8,268 |
| Total noninterest income | $60,000 | 9,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $60,000 | 7,716 |
| Total noninterest expense | $357,000 | 9,968 |
| Salaries and employee benefits | $190,000 | 9,948 |
| Premises and equipment expense | $84,000 | 8,949 |
| Additional noninterest expense | $83,000 | 10,029 |
| Pre-tax net operating income | $71,000 | 9,175 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $13,000 | 8,404 |
| Income before extraordinary items | $58,000 | 9,206 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $58,000 | 9,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $58,000 | 9,176 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $911,000 | 9,933 |
| Total interest expense | $562,000 | 9,564 |
| Net interest income | $349,000 | 10,145 |
| Provision for loan and lease losses | $5,000 | 8,460 |
| Total noninterest income | $55,000 | 9,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $55,000 | 7,990 |
| Total noninterest expense | $334,000 | 10,196 |
| Salaries and employee benefits | $186,000 | 10,164 |
| Premises and equipment expense | $76,000 | 9,240 |
| Additional noninterest expense | $72,000 | 10,301 |
| Pre-tax net operating income | $65,000 | 9,563 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $65,000 | 9,538 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $65,000 | 9,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $65,000 | 9,472 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 10,417 |
| Total interest expense | $528,000 | 10,028 |
| Net interest income | $337,000 | 10,642 |
| Provision for loan and lease losses | $9,000 | 8,470 |
| Total noninterest income | $48,000 | 10,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $48,000 | 8,525 |
| Total noninterest expense | $327,000 | 10,643 |
| Salaries and employee benefits | $181,000 | 10,620 |
| Premises and equipment expense | $61,000 | 9,927 |
| Additional noninterest expense | $85,000 | 10,658 |
| Pre-tax net operating income | $49,000 | 10,246 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-22,000 | 10,560 |
| Income before extraordinary items | $71,000 | 10,131 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $71,000 | 10,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $71,000 | 10,090 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $863,000 | 10,966 |
| Total interest expense | $489,000 | 10,628 |
| Net interest income | $374,000 | 11,139 |
| Provision for loan and lease losses | $-5,000 | 11,061 |
| Total noninterest income | $45,000 | 10,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $45,000 | 9,116 |
| Total noninterest expense | $385,000 | 11,010 |
| Salaries and employee benefits | $182,000 | 11,104 |
| Premises and equipment expense | $56,000 | 10,464 |
| Additional noninterest expense | $147,000 | 10,584 |
| Pre-tax net operating income | $39,000 | 10,646 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $12,000 | 10,336 |
| Income before extraordinary items | $27,000 | 10,691 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $27,000 | 10,687 |
| 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 | $0 | 953 |
| Net operating income | $27,000 | 10,642 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $823,000 | 11,493 |
| Total interest expense | $473,000 | 11,121 |
| Net interest income | $350,000 | 11,699 |
| Provision for loan and lease losses | $2,000 | 8,854 |
| Total noninterest income | $53,000 | 11,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $53,000 | 9,088 |
| Total noninterest expense | $330,000 | 11,643 |
| Salaries and employee benefits | $186,000 | 11,564 |
| Premises and equipment expense | $54,000 | 10,964 |
| Additional noninterest expense | $90,000 | 11,698 |
| Pre-tax net operating income | $71,000 | 11,222 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $12,000 | 10,895 |
| Income before extraordinary items | $59,000 | 11,236 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $59,000 | 11,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $59,000 | 11,211 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $716,000 | 12,187 |
| Total interest expense | $368,000 | 11,755 |
| Net interest income | $348,000 | 12,333 |
| Provision for loan and lease losses | $4,000 | 8,908 |
| Total noninterest income | $76,000 | 11,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $76,000 | 8,407 |
| Total noninterest expense | $328,000 | 12,270 |
| Salaries and employee benefits | $176,000 | 12,216 |
| Premises and equipment expense | $55,000 | 11,452 |
| Additional noninterest expense | $97,000 | 12,316 |
| Pre-tax net operating income | $92,000 | 11,677 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $14,000 | 11,286 |
| Income before extraordinary items | $78,000 | 11,588 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $78,000 | 11,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $78,000 | 11,634 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $707,000 | 12,802 |
| Total interest expense | $370,000 | 12,358 |
| Net interest income | $337,000 | 12,940 |
| Provision for loan and lease losses | $38,000 | 8,041 |
| Total noninterest income | $72,000 | 12,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $299,000 | 12,986 |
| Salaries and employee benefits | $160,000 | 12,917 |
| Premises and equipment expense | $51,000 | 12,175 |
| Additional noninterest expense | $88,000 | 13,042 |
| Pre-tax net operating income | $72,000 | 12,040 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-9,000 | 12,780 |
| Income before extraordinary items | $81,000 | 12,004 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $81,000 | 12,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $81,000 | 11,818 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $642,000 | 13,561 |
| Total interest expense | $419,000 | 13,113 |
| Net interest income | $223,000 | 13,744 |
| Provision for loan and lease losses | $125,000 | 6,594 |
| Total noninterest income | $42,000 | 13,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $259,000 | 13,677 |
| Salaries and employee benefits | $143,000 | 13,600 |
| Premises and equipment expense | $48,000 | 12,755 |
| Additional noninterest expense | $68,000 | 13,756 |
| Pre-tax net operating income | $-119,000 | 12,977 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $6,000 | 12,482 |
| Income before extraordinary items | $-125,000 | 13,095 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-125,000 | 13,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-125,000 | 12,953 |
* 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.