Home > The Community Bank > Income and Expense
The Community Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,581,000 | 1,448 |
| Total interest expense | $17,791,000 | 700 |
| Net interest income | $2,790,000 | 4,827 |
| Provision for loan and lease losses | $38,638,000 | 160 |
| Total noninterest income | $-420,000 | 8,334 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $556,000 | 2,267 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-976,000 | 8,358 |
| Total noninterest expense | $7,301,000 | 1,971 |
| Salaries and employee benefits | $3,418,000 | 2,253 |
| Premises and equipment expense | $618,000 | 3,118 |
| Additional noninterest expense | $3,265,000 | 1,371 |
| Pre-tax net operating income | $-43,569,000 | 8,324 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-16,812,000 | 8,330 |
| Income before extraordinary items | $-26,757,000 | 8,294 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-26,757,000 | 8,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,344,000 | 597 |
| Cash dividends | $400,000 | 3,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-26,757,000 | 8,308 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,284,000 | 1,215 |
| Total interest expense | $11,987,000 | 720 |
| Net interest income | $4,297,000 | 2,548 |
| Provision for loan and lease losses | $13,860,000 | 208 |
| Total noninterest income | $-37,000 | 8,380 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $357,000 | 2,314 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-394,000 | 8,420 |
| Total noninterest expense | $4,518,000 | 2,124 |
| Salaries and employee benefits | $2,396,000 | 2,167 |
| Premises and equipment expense | $380,000 | 3,340 |
| Additional noninterest expense | $1,742,000 | 1,688 |
| Pre-tax net operating income | $-14,118,000 | 8,374 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-5,583,000 | 8,384 |
| Income before extraordinary items | $-8,535,000 | 8,357 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,535,000 | 8,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $565,000 | 1,218 |
| Cash dividends | $400,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-8,535,000 | 8,355 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,654,000 | 1,174 |
| Total interest expense | $6,108,000 | 753 |
| Net interest income | $2,546,000 | 2,172 |
| Provision for loan and lease losses | $360,000 | 1,229 |
| Total noninterest income | $-107,000 | 8,451 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $189,000 | 2,180 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-296,000 | 8,473 |
| Total noninterest expense | $2,080,000 | 2,290 |
| Salaries and employee benefits | $1,209,000 | 2,169 |
| Premises and equipment expense | $209,000 | 3,109 |
| Additional noninterest expense | $662,000 | 2,111 |
| Pre-tax net operating income | $-1,000 | 7,182 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-127,000 | 8,182 |
| Income before extraordinary items | $126,000 | 5,504 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $126,000 | 5,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 936 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $126,000 | 5,406 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $41,662,000 | 1,010 |
| Total interest expense | $22,472,000 | 880 |
| Net interest income | $19,190,000 | 1,159 |
| Provision for loan and lease losses | $5,136,000 | 398 |
| Total noninterest income | $1,833,000 | 2,352 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $713,000 | 2,339 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,120,000 | 2,071 |
| Total noninterest expense | $10,008,000 | 1,851 |
| Salaries and employee benefits | $5,400,000 | 1,868 |
| Premises and equipment expense | $929,000 | 2,732 |
| Additional noninterest expense | $3,679,000 | 1,505 |
| Pre-tax net operating income | $5,879,000 | 1,421 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,917,000 | 832 |
| Income before extraordinary items | $2,962,000 | 2,073 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,962,000 | 2,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $537,000 | 1,610 |
| Cash dividends | $2,275,000 | 1,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,962,000 | 2,061 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $33,779,000 | 936 |
| Total interest expense | $16,120,000 | 916 |
| Net interest income | $17,659,000 | 943 |
| Provision for loan and lease losses | $1,080,000 | 844 |
| Total noninterest income | $1,399,000 | 2,337 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $527,000 | 2,338 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $872,000 | 2,007 |
| Total noninterest expense | $7,417,000 | 1,850 |
| Salaries and employee benefits | $4,204,000 | 1,799 |
| Premises and equipment expense | $728,000 | 2,627 |
| Additional noninterest expense | $2,485,000 | 1,640 |
| Pre-tax net operating income | $10,561,000 | 668 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $3,609,000 | 599 |
| Income before extraordinary items | $6,952,000 | 754 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,952,000 | 752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,582 |
| Cash dividends | $1,005,000 | 1,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $6,952,000 | 744 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $22,022,000 | 971 |
| Total interest expense | $10,241,000 | 972 |
| Net interest income | $11,781,000 | 956 |
| Provision for loan and lease losses | $720,000 | 762 |
| Total noninterest income | $936,000 | 2,336 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $345,000 | 2,383 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $591,000 | 2,005 |
| Total noninterest expense | $5,000,000 | 1,845 |
| Salaries and employee benefits | $2,806,000 | 1,833 |
| Premises and equipment expense | $490,000 | 2,634 |
| Additional noninterest expense | $1,704,000 | 1,589 |
| Pre-tax net operating income | $6,997,000 | 703 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,393,000 | 626 |
| Income before extraordinary items | $4,604,000 | 788 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,604,000 | 787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,997 |
| Cash dividends | $400,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,604,000 | 778 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,575,000 | 1,004 |
| Total interest expense | $4,922,000 | 1,004 |
| Net interest income | $5,653,000 | 989 |
| Provision for loan and lease losses | $360,000 | 682 |
| Total noninterest income | $559,000 | 2,055 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $168,000 | 2,378 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $391,000 | 1,614 |
| Total noninterest expense | $2,485,000 | 1,856 |
| Salaries and employee benefits | $1,375,000 | 1,868 |
| Premises and equipment expense | $245,000 | 2,636 |
| Additional noninterest expense | $865,000 | 1,541 |
| Pre-tax net operating income | $3,367,000 | 728 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,148,000 | 648 |
| Income before extraordinary items | $2,219,000 | 809 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,219,000 | 808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,219,000 | 799 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $38,589,000 | 1,021 |
| Total interest expense | $15,473,000 | 1,085 |
| Net interest income | $23,116,000 | 963 |
| Provision for loan and lease losses | $776,000 | 1,307 |
| Total noninterest income | $1,686,000 | 2,492 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $719,000 | 2,312 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $967,000 | 2,281 |
| Total noninterest expense | $8,555,000 | 2,060 |
| Salaries and employee benefits | $4,747,000 | 2,061 |
| Premises and equipment expense | $796,000 | 3,023 |
| Additional noninterest expense | $3,012,000 | 1,755 |
| Pre-tax net operating income | $15,471,000 | 669 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $5,444,000 | 596 |
| Income before extraordinary items | $10,027,000 | 743 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $10,027,000 | 742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,914 |
| Cash dividends | $3,200,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $10,027,000 | 730 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $28,010,000 | 1,054 |
| Total interest expense | $10,764,000 | 1,137 |
| Net interest income | $17,246,000 | 985 |
| Provision for loan and lease losses | $551,000 | 1,292 |
| Total noninterest income | $1,351,000 | 2,403 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $538,000 | 2,333 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $813,000 | 2,105 |
| Total noninterest expense | $6,084,000 | 2,174 |
| Salaries and employee benefits | $3,375,000 | 2,171 |
| Premises and equipment expense | $570,000 | 3,132 |
| Additional noninterest expense | $2,139,000 | 1,811 |
| Pre-tax net operating income | $11,962,000 | 679 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,206,000 | 615 |
| Income before extraordinary items | $7,756,000 | 754 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,756,000 | 753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,074 |
| Cash dividends | $975,000 | 1,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $7,756,000 | 746 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,774,000 | 1,084 |
| Total interest expense | $6,546,000 | 1,187 |
| Net interest income | $11,228,000 | 1,011 |
| Provision for loan and lease losses | $266,000 | 1,674 |
| Total noninterest income | $933,000 | 2,329 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $356,000 | 2,320 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $577,000 | 2,020 |
| Total noninterest expense | $3,912,000 | 2,254 |
| Salaries and employee benefits | $2,257,000 | 2,174 |
| Premises and equipment expense | $359,000 | 3,262 |
| Additional noninterest expense | $1,296,000 | 2,032 |
| Pre-tax net operating income | $7,983,000 | 677 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,813,000 | 619 |
| Income before extraordinary items | $5,170,000 | 753 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,170,000 | 753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,967 |
| Cash dividends | $575,000 | 2,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,170,000 | 740 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,530,000 | 1,102 |
| Total interest expense | $3,016,000 | 1,234 |
| Net interest income | $5,514,000 | 1,026 |
| Provision for loan and lease losses | $196,000 | 1,168 |
| Total noninterest income | $522,000 | 2,128 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $181,000 | 2,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $341,000 | 1,764 |
| Total noninterest expense | $1,853,000 | 2,383 |
| Salaries and employee benefits | $1,101,000 | 2,234 |
| Premises and equipment expense | $165,000 | 3,494 |
| Additional noninterest expense | $587,000 | 2,206 |
| Pre-tax net operating income | $3,987,000 | 669 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,476,000 | 602 |
| Income before extraordinary items | $2,511,000 | 761 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,511,000 | 760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $200,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,511,000 | 745 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,073,000 | 1,189 |
| Total interest expense | $8,329,000 | 1,364 |
| Net interest income | $19,744,000 | 1,096 |
| Provision for loan and lease losses | $900,000 | 1,141 |
| Total noninterest income | $1,374,000 | 2,851 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $864,000 | 1,978 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $510,000 | 3,331 |
| Total noninterest expense | $7,518,000 | 2,231 |
| Salaries and employee benefits | $4,077,000 | 2,251 |
| Premises and equipment expense | $723,000 | 3,153 |
| Additional noninterest expense | $2,718,000 | 1,861 |
| Pre-tax net operating income | $12,700,000 | 783 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,276,000 | 732 |
| Income before extraordinary items | $8,424,000 | 860 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,424,000 | 861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-114,000 | 8,647 |
| Cash dividends | $1,938,000 | 1,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,424,000 | 843 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,949,000 | 1,217 |
| Total interest expense | $5,698,000 | 1,408 |
| Net interest income | $14,251,000 | 1,126 |
| Provision for loan and lease losses | $675,000 | 1,101 |
| Total noninterest income | $982,000 | 2,940 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $656,000 | 1,953 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $326,000 | 3,656 |
| Total noninterest expense | $5,278,000 | 2,350 |
| Salaries and employee benefits | $3,031,000 | 2,249 |
| Premises and equipment expense | $523,000 | 3,230 |
| Additional noninterest expense | $1,724,000 | 2,154 |
| Pre-tax net operating income | $9,280,000 | 795 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,251,000 | 727 |
| Income before extraordinary items | $6,029,000 | 890 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,029,000 | 891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-110,000 | 8,651 |
| Cash dividends | $538,000 | 2,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,029,000 | 878 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,629,000 | 1,239 |
| Total interest expense | $3,417,000 | 1,471 |
| Net interest income | $9,212,000 | 1,147 |
| Provision for loan and lease losses | $450,000 | 1,068 |
| Total noninterest income | $542,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $445,000 | 1,883 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $97,000 | 5,252 |
| Total noninterest expense | $3,427,000 | 2,389 |
| Salaries and employee benefits | $2,046,000 | 2,211 |
| Premises and equipment expense | $336,000 | 3,297 |
| Additional noninterest expense | $1,045,000 | 2,334 |
| Pre-tax net operating income | $5,877,000 | 813 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,054,000 | 746 |
| Income before extraordinary items | $3,823,000 | 913 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,823,000 | 913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-124,000 | 8,702 |
| Cash dividends | $338,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,823,000 | 893 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,024,000 | 1,275 |
| Total interest expense | $1,574,000 | 1,522 |
| Net interest income | $4,450,000 | 1,181 |
| Provision for loan and lease losses | $225,000 | 1,003 |
| Total noninterest income | $304,000 | 3,026 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $218,000 | 1,864 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $86,000 | 4,035 |
| Total noninterest expense | $1,692,000 | 2,424 |
| Salaries and employee benefits | $1,012,000 | 2,248 |
| Premises and equipment expense | $167,000 | 3,348 |
| Additional noninterest expense | $513,000 | 2,369 |
| Pre-tax net operating income | $2,837,000 | 829 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $993,000 | 769 |
| Income before extraordinary items | $1,844,000 | 950 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,844,000 | 951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $140,000 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,844,000 | 924 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,722,000 | 1,382 |
| Total interest expense | $4,390,000 | 1,852 |
| Net interest income | $16,332,000 | 1,230 |
| Provision for loan and lease losses | $1,200,000 | 884 |
| Total noninterest income | $1,836,000 | 2,341 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $938,000 | 1,866 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $898,000 | 2,301 |
| Total noninterest expense | $6,601,000 | 2,419 |
| Salaries and employee benefits | $3,645,000 | 2,383 |
| Premises and equipment expense | $741,000 | 2,978 |
| Additional noninterest expense | $2,215,000 | 2,201 |
| Pre-tax net operating income | $10,367,000 | 849 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,597,000 | 777 |
| Income before extraordinary items | $6,770,000 | 974 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,770,000 | 975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 2,198 |
| Cash dividends | $1,485,000 | 1,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,770,000 | 936 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,200,000 | 1,391 |
| Total interest expense | $3,122,000 | 1,920 |
| Net interest income | $12,078,000 | 1,241 |
| Provision for loan and lease losses | $900,000 | 852 |
| Total noninterest income | $1,467,000 | 2,241 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $691,000 | 1,912 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $776,000 | 2,117 |
| Total noninterest expense | $4,678,000 | 2,515 |
| Salaries and employee benefits | $2,676,000 | 2,419 |
| Premises and equipment expense | $544,000 | 3,030 |
| Additional noninterest expense | $1,458,000 | 2,453 |
| Pre-tax net operating income | $7,967,000 | 837 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,793,000 | 770 |
| Income before extraordinary items | $5,174,000 | 960 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,174,000 | 961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 1,682 |
| Cash dividends | $345,000 | 3,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,174,000 | 928 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,798,000 | 1,438 |
| Total interest expense | $1,995,000 | 1,970 |
| Net interest income | $7,803,000 | 1,270 |
| Provision for loan and lease losses | $600,000 | 825 |
| Total noninterest income | $571,000 | 3,286 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $458,000 | 1,899 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $113,000 | 4,921 |
| Total noninterest expense | $3,041,000 | 2,582 |
| Salaries and employee benefits | $1,733,000 | 2,480 |
| Premises and equipment expense | $363,000 | 3,034 |
| Additional noninterest expense | $945,000 | 2,507 |
| Pre-tax net operating income | $4,733,000 | 921 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,374,000 | 990 |
| Income before extraordinary items | $3,359,000 | 973 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,359,000 | 974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $522,000 | 681 |
| Cash dividends | $220,000 | 3,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,359,000 | 939 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,801,000 | 1,483 |
| Total interest expense | $969,000 | 2,062 |
| Net interest income | $3,832,000 | 1,301 |
| Provision for loan and lease losses | $300,000 | 782 |
| Total noninterest income | $284,000 | 3,233 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $224,000 | 1,881 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $60,000 | 4,738 |
| Total noninterest expense | $1,546,000 | 2,565 |
| Salaries and employee benefits | $881,000 | 2,458 |
| Premises and equipment expense | $190,000 | 2,947 |
| Additional noninterest expense | $475,000 | 2,489 |
| Pre-tax net operating income | $2,270,000 | 955 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $779,000 | 910 |
| Income before extraordinary items | $1,491,000 | 1,099 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,491,000 | 1,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $110,000 | 2,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,491,000 | 1,038 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,097,000 | 1,674 |
| Total interest expense | $3,735,000 | 2,369 |
| Net interest income | $13,362,000 | 1,451 |
| Provision for loan and lease losses | $850,000 | 1,382 |
| Total noninterest income | $1,273,000 | 3,178 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $835,000 | 2,055 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $438,000 | 3,804 |
| Total noninterest expense | $6,711,000 | 2,337 |
| Salaries and employee benefits | $3,452,000 | 2,438 |
| Premises and equipment expense | $741,000 | 2,939 |
| Additional noninterest expense | $2,518,000 | 1,911 |
| Pre-tax net operating income | $7,074,000 | 1,187 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,387,000 | 1,112 |
| Income before extraordinary items | $4,687,000 | 1,360 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,687,000 | 1,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,437 |
| Cash dividends | $1,144,000 | 2,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,687,000 | 1,286 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,807,000 | 1,704 |
| Total interest expense | $2,876,000 | 2,391 |
| Net interest income | $9,931,000 | 1,480 |
| Provision for loan and lease losses | $625,000 | 1,355 |
| Total noninterest income | $997,000 | 3,144 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $610,000 | 2,113 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $387,000 | 3,591 |
| Total noninterest expense | $4,595,000 | 2,559 |
| Salaries and employee benefits | $2,579,000 | 2,451 |
| Premises and equipment expense | $540,000 | 3,023 |
| Additional noninterest expense | $1,476,000 | 2,435 |
| Pre-tax net operating income | $5,708,000 | 1,130 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,886,000 | 1,108 |
| Income before extraordinary items | $3,822,000 | 1,289 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,822,000 | 1,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,505 |
| Cash dividends | $394,000 | 3,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,822,000 | 1,214 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,429,000 | 1,737 |
| Total interest expense | $1,947,000 | 2,432 |
| Net interest income | $6,482,000 | 1,508 |
| Provision for loan and lease losses | $415,000 | 1,349 |
| Total noninterest income | $638,000 | 3,202 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $400,000 | 2,096 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $238,000 | 3,708 |
| Total noninterest expense | $3,022,000 | 2,577 |
| Salaries and employee benefits | $1,670,000 | 2,508 |
| Premises and equipment expense | $359,000 | 3,014 |
| Additional noninterest expense | $993,000 | 2,381 |
| Pre-tax net operating income | $3,683,000 | 1,163 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,204,000 | 1,175 |
| Income before extraordinary items | $2,479,000 | 1,337 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,479,000 | 1,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,733 |
| Cash dividends | $394,000 | 2,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,479,000 | 1,243 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,039,000 | 1,816 |
| Total interest expense | $964,000 | 2,513 |
| Net interest income | $3,075,000 | 1,591 |
| Provision for loan and lease losses | $210,000 | 1,306 |
| Total noninterest income | $302,000 | 3,231 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $192,000 | 2,085 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 3,756 |
| Total noninterest expense | $1,534,000 | 2,525 |
| Salaries and employee benefits | $830,000 | 2,533 |
| Premises and equipment expense | $183,000 | 2,963 |
| Additional noninterest expense | $521,000 | 2,247 |
| Pre-tax net operating income | $1,633,000 | 1,308 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $530,000 | 1,300 |
| Income before extraordinary items | $1,103,000 | 1,480 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,103,000 | 1,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,751 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,103,000 | 1,384 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,732,000 | 2,240 |
| Total interest expense | $4,409,000 | 2,525 |
| Net interest income | $9,323,000 | 2,078 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $1,159,000 | 3,147 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $762,000 | 2,088 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $397,000 | 3,718 |
| Total noninterest expense | $5,610,000 | 2,640 |
| Salaries and employee benefits | $3,139,000 | 2,517 |
| Premises and equipment expense | $676,000 | 3,091 |
| Additional noninterest expense | $1,795,000 | 2,547 |
| Pre-tax net operating income | $4,272,000 | 1,882 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,377,000 | 1,762 |
| Income before extraordinary items | $2,895,000 | 2,074 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,895,000 | 2,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,939 |
| Cash dividends | $140,000 | 5,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,895,000 | 1,997 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,616,000 | 2,508 |
| Total interest expense | $5,950,000 | 2,691 |
| Net interest income | $7,666,000 | 2,337 |
| Provision for loan and lease losses | $620,000 | 1,848 |
| Total noninterest income | $947,000 | 3,471 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $443,000 | 3,136 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $504,000 | 3,119 |
| Total noninterest expense | $4,820,000 | 2,914 |
| Salaries and employee benefits | $2,739,000 | 2,726 |
| Premises and equipment expense | $497,000 | 3,888 |
| Additional noninterest expense | $1,584,000 | 2,739 |
| Pre-tax net operating income | $3,173,000 | 2,153 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,001,000 | 2,066 |
| Income before extraordinary items | $2,172,000 | 2,360 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,172,000 | 2,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,444 |
| Cash dividends | $105,000 | 5,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,172,000 | 2,282 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,023,000 | 3,140 |
| Total interest expense | $4,743,000 | 3,472 |
| Net interest income | $6,280,000 | 2,821 |
| Provision for loan and lease losses | $360,000 | 2,489 |
| Total noninterest income | $661,000 | 4,156 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $385,000 | 3,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $276,000 | 4,103 |
| Total noninterest expense | $3,774,000 | 3,488 |
| Salaries and employee benefits | $2,004,000 | 3,460 |
| Premises and equipment expense | $305,000 | 5,371 |
| Additional noninterest expense | $1,465,000 | 2,873 |
| Pre-tax net operating income | $2,807,000 | 2,520 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $893,000 | 2,327 |
| Income before extraordinary items | $1,914,000 | 2,667 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,914,000 | 2,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,790 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,914,000 | 2,659 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,140,000 | 3,847 |
| Total interest expense | $3,198,000 | 4,351 |
| Net interest income | $4,942,000 | 3,480 |
| Provision for loan and lease losses | $690,000 | 1,336 |
| Total noninterest income | $669,000 | 4,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 3,653 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $331,000 | 3,796 |
| Total noninterest expense | $2,909,000 | 4,314 |
| Salaries and employee benefits | $1,495,000 | 4,356 |
| Premises and equipment expense | $206,000 | 6,718 |
| Additional noninterest expense | $1,208,000 | 3,414 |
| Pre-tax net operating income | $2,012,000 | 3,327 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $673,000 | 2,983 |
| Income before extraordinary items | $1,339,000 | 3,553 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,339,000 | 3,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,769 |
| Cash dividends | $75,000 | 6,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,339,000 | 3,516 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,304,000 | 4,822 |
| Total interest expense | $2,251,000 | 5,744 |
| Net interest income | $4,053,000 | 4,075 |
| Provision for loan and lease losses | $295,000 | 2,683 |
| Total noninterest income | $955,000 | 3,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,506 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $706,000 | 2,370 |
| Total noninterest expense | $2,316,000 | 5,035 |
| Salaries and employee benefits | $1,421,000 | 4,443 |
| Premises and equipment expense | $138,000 | 7,911 |
| Additional noninterest expense | $757,000 | 4,864 |
| Pre-tax net operating income | $2,397,000 | 2,886 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $837,000 | 2,634 |
| Income before extraordinary items | $1,560,000 | 3,158 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,560,000 | 3,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,649 |
| Cash dividends | $75,000 | 6,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,560,000 | 3,071 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,654,000 | 6,083 |
| Total interest expense | $1,665,000 | 6,971 |
| Net interest income | $2,989,000 | 5,320 |
| Provision for loan and lease losses | $181,000 | 3,643 |
| Total noninterest income | $789,000 | 3,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,284 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $585,000 | 2,529 |
| Total noninterest expense | $1,910,000 | 5,822 |
| Salaries and employee benefits | $1,191,000 | 5,133 |
| Premises and equipment expense | $124,000 | 8,390 |
| Additional noninterest expense | $595,000 | 5,843 |
| Pre-tax net operating income | $1,687,000 | 4,061 |
| Securities gains (losses) | $-181,000 | 10,826 |
| Applicable income taxes | $488,000 | 4,282 |
| Income before extraordinary items | $1,018,000 | 4,642 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,018,000 | 4,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,261 |
| Cash dividends | $50,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,141,080 | 4,178 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 6,773 |
| Total interest expense | $1,627,000 | 7,264 |
| Net interest income | $2,465,000 | 6,252 |
| Provision for loan and lease losses | $125,000 | 4,497 |
| Total noninterest income | $426,000 | 5,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,086 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,254 |
| Total noninterest expense | $1,404,000 | 7,379 |
| Salaries and employee benefits | $811,000 | 6,926 |
| Premises and equipment expense | $119,000 | 8,811 |
| Additional noninterest expense | $474,000 | 7,256 |
| Pre-tax net operating income | $1,362,000 | 4,675 |
| Securities gains (losses) | $-223,000 | 11,321 |
| Applicable income taxes | $384,000 | 5,020 |
| Income before extraordinary items | $755,000 | 5,501 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $755,000 | 5,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,310 |
| Cash dividends | $30,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $902,180 | 4,805 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,111,000 | 8,053 |
| Total interest expense | $1,174,000 | 8,673 |
| Net interest income | $1,937,000 | 7,443 |
| Provision for loan and lease losses | $57,000 | 5,968 |
| Total noninterest income | $294,000 | 7,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 6,201 |
| Total noninterest expense | $1,142,000 | 8,420 |
| Salaries and employee benefits | $614,000 | 8,271 |
| Premises and equipment expense | $105,000 | 9,481 |
| Additional noninterest expense | $423,000 | 7,979 |
| Pre-tax net operating income | $1,032,000 | 5,862 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $338,000 | 5,574 |
| Income before extraordinary items | $694,000 | 6,037 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $694,000 | 6,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $694,000 | 6,017 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,228,000 | 9,381 |
| Total interest expense | $663,000 | 10,288 |
| Net interest income | $1,565,000 | 8,681 |
| Provision for loan and lease losses | $64,000 | 5,501 |
| Total noninterest income | $206,000 | 8,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $896,000 | 9,788 |
| Salaries and employee benefits | $493,000 | 9,453 |
| Premises and equipment expense | $97,000 | 10,121 |
| Additional noninterest expense | $306,000 | 9,893 |
| Pre-tax net operating income | $811,000 | 6,820 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $271,000 | 6,237 |
| Income before extraordinary items | $540,000 | 7,002 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $540,000 | 7,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,355 |
| Cash dividends | $21,000 | 8,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $540,000 | 7,053 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 10,875 |
| Total interest expense | $622,000 | 11,014 |
| Net interest income | $1,045,000 | 10,611 |
| Provision for loan and lease losses | $114,000 | 5,447 |
| Total noninterest income | $174,000 | 9,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 7,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,920 |
| Total noninterest expense | $917,000 | 10,121 |
| Salaries and employee benefits | $453,000 | 10,117 |
| Premises and equipment expense | $112,000 | 10,057 |
| Additional noninterest expense | $352,000 | 9,818 |
| Pre-tax net operating income | $188,000 | 11,147 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $74,000 | 10,356 |
| Income before extraordinary items | $114,000 | 11,662 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $114,000 | 11,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,863 |
| Cash dividends | $20,000 | 8,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $114,000 | 11,459 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,791,000 | 11,328 |
| Total interest expense | $778,000 | 11,433 |
| Net interest income | $1,013,000 | 11,054 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $165,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 8,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $722,000 | 11,401 |
| Salaries and employee benefits | $402,000 | 10,833 |
| Premises and equipment expense | $59,000 | 12,326 |
| Additional noninterest expense | $261,000 | 11,394 |
| Pre-tax net operating income | $256,000 | 10,548 |
| Securities gains (losses) | $26,000 | 5,197 |
| Applicable income taxes | $75,000 | 10,571 |
| Income before extraordinary items | $207,000 | 10,504 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $207,000 | 10,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 4,207 |
| Cash dividends | $20,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $188,020 | 10,425 |
* 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.