Home > The Glouster Community Bank > Income and Expense
The Glouster Community Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,477,000 | 4,781 |
| Total interest expense | $2,090,000 | 3,912 |
| Net interest income | $1,387,000 | 5,772 |
| Provision for loan and lease losses | $130,000 | 2,852 |
| Total noninterest income | $342,000 | 4,370 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $236,000 | 3,140 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $106,000 | 5,014 |
| Total noninterest expense | $1,657,000 | 4,688 |
| Salaries and employee benefits | $775,000 | 5,234 |
| Premises and equipment expense | $143,000 | 5,942 |
| Additional noninterest expense | $739,000 | 3,398 |
| Pre-tax net operating income | $-58,000 | 7,899 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $-67,000 | 8,331 |
| Income before extraordinary items | $10,000 | 7,746 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $10,000 | 7,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 845 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $9,360 | 7,740 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,716,000 | 4,813 |
| Total interest expense | $1,029,000 | 3,945 |
| Net interest income | $687,000 | 5,811 |
| Provision for loan and lease losses | $69,000 | 2,611 |
| Total noninterest income | $166,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $110,000 | 3,249 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $56,000 | 4,901 |
| Total noninterest expense | $832,000 | 4,683 |
| Salaries and employee benefits | $376,000 | 5,359 |
| Premises and equipment expense | $75,000 | 5,852 |
| Additional noninterest expense | $381,000 | 3,303 |
| Pre-tax net operating income | $-48,000 | 8,029 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-52,000 | 8,422 |
| Income before extraordinary items | $4,000 | 7,819 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,000 | 7,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,284 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $4,000 | 7,799 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,020,000 | 4,557 |
| Total interest expense | $3,956,000 | 3,627 |
| Net interest income | $3,064,000 | 5,466 |
| Provision for loan and lease losses | $1,206,000 | 863 |
| Total noninterest income | $730,000 | 4,266 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $488,000 | 3,108 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $242,000 | 4,724 |
| Total noninterest expense | $3,577,000 | 4,335 |
| Salaries and employee benefits | $1,466,000 | 5,277 |
| Premises and equipment expense | $443,000 | 4,617 |
| Additional noninterest expense | $1,668,000 | 3,015 |
| Pre-tax net operating income | $-989,000 | 8,418 |
| Securities gains (losses) | $-350,000 | 8,472 |
| Applicable income taxes | $-522,000 | 8,575 |
| Income before extraordinary items | $-817,000 | 8,412 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-817,000 | 8,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,224,000 | 581 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-593,000 | 8,329 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,311,000 | 4,526 |
| Total interest expense | $2,941,000 | 3,563 |
| Net interest income | $2,370,000 | 5,412 |
| Provision for loan and lease losses | $939,000 | 799 |
| Total noninterest income | $520,000 | 4,378 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $352,000 | 3,206 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $168,000 | 4,907 |
| Total noninterest expense | $2,880,000 | 4,095 |
| Salaries and employee benefits | $1,197,000 | 4,981 |
| Premises and equipment expense | $365,000 | 4,351 |
| Additional noninterest expense | $1,318,000 | 2,869 |
| Pre-tax net operating income | $-929,000 | 8,568 |
| Securities gains (losses) | $-350,000 | 8,602 |
| Applicable income taxes | $-486,000 | 8,689 |
| Income before extraordinary items | $-793,000 | 8,564 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-793,000 | 8,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 999 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-569,000 | 8,487 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,502,000 | 4,504 |
| Total interest expense | $1,912,000 | 3,505 |
| Net interest income | $1,590,000 | 5,416 |
| Provision for loan and lease losses | $326,000 | 1,370 |
| Total noninterest income | $402,000 | 4,035 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $241,000 | 3,143 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $161,000 | 4,160 |
| Total noninterest expense | $2,035,000 | 3,961 |
| Salaries and employee benefits | $816,000 | 4,932 |
| Premises and equipment expense | $288,000 | 3,888 |
| Additional noninterest expense | $931,000 | 2,736 |
| Pre-tax net operating income | $-369,000 | 8,512 |
| Securities gains (losses) | $-350,000 | 8,674 |
| Applicable income taxes | $-282,000 | 8,714 |
| Income before extraordinary items | $-437,000 | 8,559 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-437,000 | 8,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 693 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-213,000 | 8,433 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,712,000 | 4,523 |
| Total interest expense | $920,000 | 3,475 |
| Net interest income | $792,000 | 5,429 |
| Provision for loan and lease losses | $63,000 | 2,743 |
| Total noninterest income | $223,000 | 3,735 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $142,000 | 2,709 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,122 |
| Total noninterest expense | $991,000 | 4,041 |
| Salaries and employee benefits | $406,000 | 4,960 |
| Premises and equipment expense | $115,000 | 4,545 |
| Additional noninterest expense | $470,000 | 2,686 |
| Pre-tax net operating income | $-39,000 | 8,358 |
| Securities gains (losses) | $-30,000 | 8,463 |
| Applicable income taxes | $-45,000 | 8,638 |
| Income before extraordinary items | $-24,000 | 8,311 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-24,000 | 8,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 1,837 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-4,800 | 8,223 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,758,000 | 4,248 |
| Total interest expense | $3,213,000 | 3,149 |
| Net interest income | $3,545,000 | 4,978 |
| Provision for loan and lease losses | $252,000 | 3,138 |
| Total noninterest income | $731,000 | 4,260 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $422,000 | 3,439 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $309,000 | 4,269 |
| Total noninterest expense | $3,776,000 | 4,040 |
| Salaries and employee benefits | $1,486,000 | 5,082 |
| Premises and equipment expense | $416,000 | 4,745 |
| Additional noninterest expense | $1,874,000 | 2,651 |
| Pre-tax net operating income | $248,000 | 7,553 |
| Securities gains (losses) | $-54,000 | 8,214 |
| Applicable income taxes | $-72,000 | 8,581 |
| Income before extraordinary items | $266,000 | 7,320 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $266,000 | 7,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,319 |
| Cash dividends | $166,000 | 5,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $320,000 | 7,072 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,000,000 | 4,244 |
| Total interest expense | $2,349,000 | 3,075 |
| Net interest income | $2,651,000 | 5,002 |
| Provision for loan and lease losses | $168,000 | 3,321 |
| Total noninterest income | $535,000 | 4,352 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $305,000 | 3,522 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $230,000 | 4,283 |
| Total noninterest expense | $2,695,000 | 4,165 |
| Salaries and employee benefits | $1,084,000 | 5,151 |
| Premises and equipment expense | $306,000 | 4,774 |
| Additional noninterest expense | $1,305,000 | 2,817 |
| Pre-tax net operating income | $323,000 | 7,100 |
| Securities gains (losses) | $-28,000 | 8,307 |
| Applicable income taxes | $8,000 | 6,588 |
| Income before extraordinary items | $287,000 | 6,988 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $287,000 | 6,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,470 |
| Cash dividends | $134,000 | 4,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $314,160 | 6,798 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,290,000 | 4,212 |
| Total interest expense | $1,519,000 | 3,013 |
| Net interest income | $1,771,000 | 4,987 |
| Provision for loan and lease losses | $140,000 | 2,787 |
| Total noninterest income | $347,000 | 4,392 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $192,000 | 3,588 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $155,000 | 4,242 |
| Total noninterest expense | $1,769,000 | 4,200 |
| Salaries and employee benefits | $722,000 | 5,144 |
| Premises and equipment expense | $197,000 | 4,869 |
| Additional noninterest expense | $850,000 | 2,854 |
| Pre-tax net operating income | $209,000 | 7,163 |
| Securities gains (losses) | $-9,000 | 8,110 |
| Applicable income taxes | $-5,000 | 8,602 |
| Income before extraordinary items | $205,000 | 6,909 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $205,000 | 6,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,130 |
| Cash dividends | $82,000 | 4,456 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $214,000 | 6,760 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,633,000 | 4,212 |
| Total interest expense | $746,000 | 2,971 |
| Net interest income | $887,000 | 5,009 |
| Provision for loan and lease losses | $84,000 | 2,355 |
| Total noninterest income | $167,000 | 4,425 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $95,000 | 3,552 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $72,000 | 4,397 |
| Total noninterest expense | $876,000 | 4,254 |
| Salaries and employee benefits | $385,000 | 4,963 |
| Premises and equipment expense | $98,000 | 4,931 |
| Additional noninterest expense | $393,000 | 3,069 |
| Pre-tax net operating income | $94,000 | 7,314 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-8,000 | 8,689 |
| Income before extraordinary items | $102,000 | 6,865 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $102,000 | 6,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,045 |
| Cash dividends | $40,000 | 3,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $102,000 | 6,832 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,319,000 | 4,102 |
| Total interest expense | $2,649,000 | 2,911 |
| Net interest income | $3,670,000 | 4,749 |
| Provision for loan and lease losses | $398,000 | 2,388 |
| Total noninterest income | $610,000 | 4,777 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $365,000 | 3,843 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $245,000 | 4,687 |
| Total noninterest expense | $3,395,000 | 4,276 |
| Salaries and employee benefits | $1,319,000 | 5,386 |
| Premises and equipment expense | $443,000 | 4,461 |
| Additional noninterest expense | $1,633,000 | 2,924 |
| Pre-tax net operating income | $487,000 | 6,747 |
| Securities gains (losses) | $-19,000 | 8,377 |
| Applicable income taxes | $-21,000 | 8,619 |
| Income before extraordinary items | $489,000 | 6,403 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $489,000 | 6,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,762 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $508,000 | 6,255 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,665,000 | 4,133 |
| Total interest expense | $1,912,000 | 2,949 |
| Net interest income | $2,753,000 | 4,741 |
| Provision for loan and lease losses | $319,000 | 2,150 |
| Total noninterest income | $462,000 | 4,750 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $270,000 | 3,912 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $192,000 | 4,583 |
| Total noninterest expense | $2,492,000 | 4,308 |
| Salaries and employee benefits | $988,000 | 5,364 |
| Premises and equipment expense | $325,000 | 4,517 |
| Additional noninterest expense | $1,179,000 | 2,988 |
| Pre-tax net operating income | $404,000 | 6,721 |
| Securities gains (losses) | $-21,000 | 8,653 |
| Applicable income taxes | $-17,000 | 8,757 |
| Income before extraordinary items | $400,000 | 6,323 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $400,000 | 6,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 1,609 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $421,000 | 6,124 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,109,000 | 4,135 |
| Total interest expense | $1,274,000 | 2,945 |
| Net interest income | $1,835,000 | 4,758 |
| Provision for loan and lease losses | $219,000 | 2,051 |
| Total noninterest income | $313,000 | 4,724 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $181,000 | 3,891 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $132,000 | 4,565 |
| Total noninterest expense | $1,644,000 | 4,372 |
| Salaries and employee benefits | $652,000 | 5,431 |
| Premises and equipment expense | $244,000 | 4,149 |
| Additional noninterest expense | $748,000 | 3,124 |
| Pre-tax net operating income | $285,000 | 6,600 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $-5,000 | 8,755 |
| Income before extraordinary items | $294,000 | 6,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $294,000 | 6,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,352 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $290,000 | 6,034 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 4,196 |
| Total interest expense | $640,000 | 2,970 |
| Net interest income | $893,000 | 4,849 |
| Provision for loan and lease losses | $80,000 | 2,465 |
| Total noninterest income | $154,000 | 4,708 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $88,000 | 3,887 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $66,000 | 4,555 |
| Total noninterest expense | $828,000 | 4,376 |
| Salaries and employee benefits | $339,000 | 5,305 |
| Premises and equipment expense | $120,000 | 4,238 |
| Additional noninterest expense | $369,000 | 3,133 |
| Pre-tax net operating income | $139,000 | 6,590 |
| Securities gains (losses) | $19,000 | 1,734 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $155,000 | 5,932 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $155,000 | 5,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 1,092 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $136,380 | 6,128 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,859,000 | 4,377 |
| Total interest expense | $2,743,000 | 3,107 |
| Net interest income | $3,116,000 | 5,192 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $572,000 | 5,098 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $318,000 | 4,167 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $254,000 | 4,832 |
| Total noninterest expense | $3,450,000 | 4,165 |
| Salaries and employee benefits | $1,327,000 | 5,277 |
| Premises and equipment expense | $450,000 | 4,368 |
| Additional noninterest expense | $1,673,000 | 2,790 |
| Pre-tax net operating income | $-62,000 | 8,611 |
| Securities gains (losses) | $190,000 | 1,375 |
| Applicable income taxes | $-145,000 | 8,982 |
| Income before extraordinary items | $273,000 | 7,409 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $273,000 | 7,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,673 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $83,000 | 8,202 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,272,000 | 4,505 |
| Total interest expense | $2,065,000 | 3,205 |
| Net interest income | $2,207,000 | 5,378 |
| Provision for loan and lease losses | $204,000 | 3,302 |
| Total noninterest income | $423,000 | 5,163 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $234,000 | 4,220 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $189,000 | 4,911 |
| Total noninterest expense | $2,609,000 | 4,107 |
| Salaries and employee benefits | $1,016,000 | 5,199 |
| Premises and equipment expense | $340,000 | 4,345 |
| Additional noninterest expense | $1,253,000 | 2,778 |
| Pre-tax net operating income | $-183,000 | 8,809 |
| Securities gains (losses) | $182,000 | 1,290 |
| Applicable income taxes | $-45,000 | 9,011 |
| Income before extraordinary items | $44,000 | 8,548 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $44,000 | 8,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,642 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-72,480 | 8,743 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,821,000 | 4,578 |
| Total interest expense | $1,397,000 | 3,250 |
| Net interest income | $1,424,000 | 5,497 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $281,000 | 5,161 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $155,000 | 4,203 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $126,000 | 4,908 |
| Total noninterest expense | $1,747,000 | 4,100 |
| Salaries and employee benefits | $687,000 | 5,151 |
| Premises and equipment expense | $230,000 | 4,307 |
| Additional noninterest expense | $830,000 | 2,795 |
| Pre-tax net operating income | $-192,000 | 8,916 |
| Securities gains (losses) | $171,000 | 1,139 |
| Applicable income taxes | $-9,000 | 8,989 |
| Income before extraordinary items | $-12,000 | 8,802 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-12,000 | 8,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,211 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-121,440 | 8,855 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,416,000 | 4,583 |
| Total interest expense | $718,000 | 3,248 |
| Net interest income | $698,000 | 5,558 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $129,000 | 5,276 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $67,000 | 4,483 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $62,000 | 4,852 |
| Total noninterest expense | $903,000 | 3,979 |
| Salaries and employee benefits | $352,000 | 5,058 |
| Premises and equipment expense | $124,000 | 4,049 |
| Additional noninterest expense | $427,000 | 2,696 |
| Pre-tax net operating income | $-151,000 | 9,039 |
| Securities gains (losses) | $162,000 | 746 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $9,000 | 8,645 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,000 | 8,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,442 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-123,840 | 8,997 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,070,000 | 4,516 |
| Total interest expense | $3,077,000 | 3,477 |
| Net interest income | $2,993,000 | 5,291 |
| Provision for loan and lease losses | $270,000 | 3,677 |
| Total noninterest income | $458,000 | 5,451 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $262,000 | 4,578 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $196,000 | 5,074 |
| Total noninterest expense | $3,229,000 | 4,217 |
| Salaries and employee benefits | $1,363,000 | 5,037 |
| Premises and equipment expense | $420,000 | 4,476 |
| Additional noninterest expense | $1,446,000 | 3,039 |
| Pre-tax net operating income | $-48,000 | 8,708 |
| Securities gains (losses) | $231,000 | 1,076 |
| Applicable income taxes | $55,000 | 6,468 |
| Income before extraordinary items | $128,000 | 8,203 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $128,000 | 8,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 2,096 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-33,700 | 8,703 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,502,000 | 4,671 |
| Total interest expense | $3,768,000 | 3,978 |
| Net interest income | $2,734,000 | 5,400 |
| Provision for loan and lease losses | $300,000 | 3,194 |
| Total noninterest income | $380,000 | 5,823 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $230,000 | 4,833 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $150,000 | 5,549 |
| Total noninterest expense | $3,089,000 | 4,233 |
| Salaries and employee benefits | $1,160,000 | 5,448 |
| Premises and equipment expense | $444,000 | 4,276 |
| Additional noninterest expense | $1,485,000 | 2,898 |
| Pre-tax net operating income | $-275,000 | 9,006 |
| Securities gains (losses) | $34,000 | 2,711 |
| Applicable income taxes | $-87,000 | 9,233 |
| Income before extraordinary items | $-154,000 | 9,001 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-154,000 | 9,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 2,323 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-175,760 | 8,969 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,460,000 | 5,420 |
| Total interest expense | $3,264,000 | 4,628 |
| Net interest income | $2,196,000 | 6,278 |
| Provision for loan and lease losses | $155,000 | 4,336 |
| Total noninterest income | $303,000 | 6,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 5,261 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,102 |
| Total noninterest expense | $2,932,000 | 4,311 |
| Salaries and employee benefits | $1,148,000 | 5,395 |
| Premises and equipment expense | $463,000 | 4,036 |
| Additional noninterest expense | $1,321,000 | 3,140 |
| Pre-tax net operating income | $-588,000 | 9,584 |
| Securities gains (losses) | $10,000 | 1,158 |
| Applicable income taxes | $-189,000 | 9,686 |
| Income before extraordinary items | $-389,000 | 9,509 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-389,000 | 9,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 1,336 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-395,700 | 9,512 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 6,354 |
| Total interest expense | $1,857,000 | 6,253 |
| Net interest income | $2,155,000 | 6,364 |
| Provision for loan and lease losses | $47,000 | 6,669 |
| Total noninterest income | $266,000 | 6,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 5,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,153 |
| Total noninterest expense | $2,091,000 | 5,516 |
| Salaries and employee benefits | $843,000 | 6,558 |
| Premises and equipment expense | $223,000 | 6,448 |
| Additional noninterest expense | $1,025,000 | 3,939 |
| Pre-tax net operating income | $283,000 | 8,185 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $71,000 | 7,326 |
| Income before extraordinary items | $213,000 | 8,197 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $213,000 | 8,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $95,000 | 6,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $212,250 | 8,178 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,284,000 | 6,234 |
| Total interest expense | $2,016,000 | 6,168 |
| Net interest income | $2,268,000 | 6,184 |
| Provision for loan and lease losses | $384,000 | 2,141 |
| Total noninterest income | $367,000 | 5,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,137 |
| Total noninterest expense | $1,948,000 | 5,695 |
| Salaries and employee benefits | $861,000 | 6,404 |
| Premises and equipment expense | $272,000 | 5,673 |
| Additional noninterest expense | $815,000 | 4,618 |
| Pre-tax net operating income | $303,000 | 8,379 |
| Securities gains (losses) | $-12,000 | 10,213 |
| Applicable income taxes | $86,000 | 7,734 |
| Income before extraordinary items | $205,000 | 8,583 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $205,000 | 8,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,007 |
| Cash dividends | $167,000 | 5,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $213,400 | 8,447 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,611,000 | 6,116 |
| Total interest expense | $2,063,000 | 6,145 |
| Net interest income | $2,540,000 | 5,984 |
| Provision for loan and lease losses | $488,000 | 1,810 |
| Total noninterest income | $262,000 | 7,082 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 6,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,492 |
| Total noninterest expense | $2,164,000 | 5,346 |
| Salaries and employee benefits | $1,122,000 | 5,384 |
| Premises and equipment expense | $280,000 | 5,660 |
| Additional noninterest expense | $762,000 | 4,907 |
| Pre-tax net operating income | $158,000 | 9,801 |
| Securities gains (losses) | $25,000 | 1,745 |
| Applicable income taxes | $33,000 | 9,518 |
| Income before extraordinary items | $150,000 | 9,588 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $150,000 | 9,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,532 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $129,500 | 9,723 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,575,000 | 6,321 |
| Total interest expense | $2,093,000 | 6,239 |
| Net interest income | $2,482,000 | 6,222 |
| Provision for loan and lease losses | $710,000 | 1,310 |
| Total noninterest income | $244,000 | 7,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,197 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,382 |
| Total noninterest expense | $2,000,000 | 5,953 |
| Salaries and employee benefits | $1,053,000 | 5,782 |
| Premises and equipment expense | $231,000 | 6,516 |
| Additional noninterest expense | $716,000 | 5,649 |
| Pre-tax net operating income | $16,000 | 10,725 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-35,000 | 11,039 |
| Income before extraordinary items | $51,000 | 10,575 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $51,000 | 10,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $795,000 | 1,026 |
| Cash dividends | $47,000 | 7,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $51,000 | 10,522 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,332,000 | 6,640 |
| Total interest expense | $1,936,000 | 6,615 |
| Net interest income | $2,396,000 | 6,488 |
| Provision for loan and lease losses | $739,000 | 1,180 |
| Total noninterest income | $219,000 | 8,134 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 7,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,935 |
| Total noninterest expense | $1,972,000 | 6,049 |
| Salaries and employee benefits | $1,079,000 | 5,684 |
| Premises and equipment expense | $202,000 | 7,153 |
| Additional noninterest expense | $691,000 | 5,919 |
| Pre-tax net operating income | $-96,000 | 11,593 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-109,000 | 11,725 |
| Income before extraordinary items | $13,000 | 11,455 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $13,000 | 11,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,710 |
| Cash dividends | $47,000 | 7,864 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $13,000 | 11,423 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,851,000 | 6,883 |
| Total interest expense | $1,592,000 | 6,620 |
| Net interest income | $2,259,000 | 6,951 |
| Provision for loan and lease losses | $130,000 | 3,886 |
| Total noninterest income | $217,000 | 8,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,256 |
| Total noninterest expense | $1,997,000 | 6,203 |
| Salaries and employee benefits | $1,027,000 | 5,960 |
| Premises and equipment expense | $225,000 | 6,963 |
| Additional noninterest expense | $745,000 | 6,025 |
| Pre-tax net operating income | $349,000 | 9,740 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $88,000 | 9,626 |
| Income before extraordinary items | $262,000 | 9,566 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $262,000 | 9,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,108 |
| Cash dividends | $47,000 | 8,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $261,250 | 9,630 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,723,000 | 7,227 |
| Total interest expense | $1,548,000 | 7,060 |
| Net interest income | $2,175,000 | 7,245 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $169,000 | 9,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 8,318 |
| Total noninterest expense | $1,795,000 | 6,904 |
| Salaries and employee benefits | $955,000 | 6,386 |
| Premises and equipment expense | $181,000 | 8,115 |
| Additional noninterest expense | $659,000 | 6,879 |
| Pre-tax net operating income | $459,000 | 8,948 |
| Securities gains (losses) | $93,000 | 2,602 |
| Applicable income taxes | $143,000 | 8,793 |
| Income before extraordinary items | $409,000 | 8,338 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $409,000 | 8,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $19,000 | 8,722 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $340,180 | 8,776 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,533,000 | 8,137 |
| Total interest expense | $1,671,000 | 7,976 |
| Net interest income | $1,862,000 | 8,162 |
| Provision for loan and lease losses | $78,000 | 7,978 |
| Total noninterest income | $132,000 | 10,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $1,578,000 | 7,645 |
| Salaries and employee benefits | $855,000 | 6,901 |
| Premises and equipment expense | $157,000 | 8,918 |
| Additional noninterest expense | $566,000 | 7,804 |
| Pre-tax net operating income | $338,000 | 9,792 |
| Securities gains (losses) | $35,000 | 4,733 |
| Applicable income taxes | $75,000 | 10,571 |
| Income before extraordinary items | $298,000 | 9,359 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $298,000 | 9,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 7,310 |
| Cash dividends | $47,000 | 7,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $270,000 | 9,306 |
* 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.