Home > The PrivateBank > Income and Expense
The PrivateBank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,299,000 | 2,044 |
| Total interest expense | $8,247,000 | 1,535 |
| Net interest income | $6,052,000 | 2,703 |
| Provision for loan and lease losses | $11,272,000 | 370 |
| Total noninterest income | $-90,000 | 8,296 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $53,000 | 6,369 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-143,000 | 8,278 |
| Total noninterest expense | $6,071,000 | 2,347 |
| Salaries and employee benefits | $3,342,000 | 2,301 |
| Premises and equipment expense | $787,000 | 2,529 |
| Additional noninterest expense | $1,942,000 | 2,218 |
| Pre-tax net operating income | $-11,381,000 | 8,234 |
| Securities gains (losses) | $31,000 | 1,730 |
| Applicable income taxes | $-4,269,000 | 8,256 |
| Income before extraordinary items | $-7,081,000 | 8,181 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-7,081,000 | 8,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,942,000 | 533 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-7,100,840 | 8,210 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,751,000 | 2,029 |
| Total interest expense | $5,565,000 | 1,574 |
| Net interest income | $4,186,000 | 2,604 |
| Provision for loan and lease losses | $6,082,000 | 375 |
| Total noninterest income | $107,000 | 6,564 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $37,000 | 6,331 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $70,000 | 5,638 |
| Total noninterest expense | $4,070,000 | 2,345 |
| Salaries and employee benefits | $2,278,000 | 2,279 |
| Premises and equipment expense | $523,000 | 2,537 |
| Additional noninterest expense | $1,269,000 | 2,235 |
| Pre-tax net operating income | $-5,859,000 | 8,308 |
| Securities gains (losses) | $12,000 | 2,370 |
| Applicable income taxes | $-2,193,000 | 8,338 |
| Income before extraordinary items | $-3,654,000 | 8,285 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,654,000 | 8,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,589,000 | 472 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-3,661,680 | 8,277 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,945,000 | 2,058 |
| Total interest expense | $2,881,000 | 1,626 |
| Net interest income | $2,064,000 | 2,642 |
| Provision for loan and lease losses | $1,308,000 | 530 |
| Total noninterest income | $94,000 | 5,558 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $15,000 | 6,545 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $79,000 | 4,225 |
| Total noninterest expense | $1,997,000 | 2,371 |
| Salaries and employee benefits | $1,201,000 | 2,189 |
| Premises and equipment expense | $262,000 | 2,565 |
| Additional noninterest expense | $534,000 | 2,566 |
| Pre-tax net operating income | $-1,147,000 | 8,294 |
| Securities gains (losses) | $12,000 | 1,897 |
| Applicable income taxes | $-427,000 | 8,347 |
| Income before extraordinary items | $-708,000 | 8,243 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-708,000 | 8,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,241,000 | 402 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-715,680 | 8,232 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $21,503,000 | 1,969 |
| Total interest expense | $11,493,000 | 1,745 |
| Net interest income | $10,010,000 | 2,245 |
| Provision for loan and lease losses | $3,056,000 | 618 |
| Total noninterest income | $555,000 | 4,794 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $95,000 | 6,085 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $460,000 | 3,473 |
| Total noninterest expense | $7,015,000 | 2,591 |
| Salaries and employee benefits | $3,907,000 | 2,542 |
| Premises and equipment expense | $901,000 | 2,802 |
| Additional noninterest expense | $2,207,000 | 2,439 |
| Pre-tax net operating income | $494,000 | 6,016 |
| Securities gains (losses) | $-39,000 | 7,954 |
| Applicable income taxes | $122,000 | 4,318 |
| Income before extraordinary items | $333,000 | 6,306 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $333,000 | 6,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,922 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $361,470 | 6,183 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,150,000 | 1,965 |
| Total interest expense | $8,367,000 | 1,791 |
| Net interest income | $7,783,000 | 2,191 |
| Provision for loan and lease losses | $522,000 | 1,515 |
| Total noninterest income | $338,000 | 5,288 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $63,000 | 6,280 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $275,000 | 3,917 |
| Total noninterest expense | $4,934,000 | 2,705 |
| Salaries and employee benefits | $2,802,000 | 2,639 |
| Premises and equipment expense | $651,000 | 2,866 |
| Additional noninterest expense | $1,481,000 | 2,644 |
| Pre-tax net operating income | $2,665,000 | 2,317 |
| Securities gains (losses) | $-141,000 | 8,344 |
| Applicable income taxes | $787,000 | 1,928 |
| Income before extraordinary items | $1,737,000 | 2,670 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,737,000 | 2,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,834,290 | 2,534 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,673,000 | 1,991 |
| Total interest expense | $5,390,000 | 1,852 |
| Net interest income | $5,283,000 | 2,181 |
| Provision for loan and lease losses | $76,000 | 3,715 |
| Total noninterest income | $296,000 | 4,697 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $42,000 | 6,312 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $254,000 | 3,313 |
| Total noninterest expense | $3,237,000 | 2,773 |
| Salaries and employee benefits | $1,847,000 | 2,697 |
| Premises and equipment expense | $435,000 | 2,889 |
| Additional noninterest expense | $955,000 | 2,736 |
| Pre-tax net operating income | $2,266,000 | 1,948 |
| Securities gains (losses) | $-39,000 | 8,263 |
| Applicable income taxes | $787,000 | 1,504 |
| Income before extraordinary items | $1,440,000 | 2,273 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,440,000 | 2,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,465,350 | 2,232 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,233,000 | 2,024 |
| Total interest expense | $2,639,000 | 1,867 |
| Net interest income | $2,594,000 | 2,211 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $188,000 | 4,154 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $22,000 | 6,225 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $166,000 | 2,847 |
| Total noninterest expense | $1,603,000 | 2,806 |
| Salaries and employee benefits | $914,000 | 2,751 |
| Premises and equipment expense | $217,000 | 2,921 |
| Additional noninterest expense | $472,000 | 2,744 |
| Pre-tax net operating income | $1,179,000 | 1,890 |
| Securities gains (losses) | $-39,000 | 8,468 |
| Applicable income taxes | $398,000 | 1,530 |
| Income before extraordinary items | $742,000 | 2,200 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $742,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $767,350 | 2,132 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $946,000 | 8,313 |
| Total interest expense | $508,000 | 7,902 |
| Net interest income | $438,000 | 8,463 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $12,000 | 8,471 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,000 | 7,527 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,318 |
| Total noninterest expense | $228,000 | 8,635 |
| Salaries and employee benefits | $118,000 | 8,622 |
| Premises and equipment expense | $37,000 | 8,476 |
| Additional noninterest expense | $73,000 | 8,612 |
| Pre-tax net operating income | $222,000 | 7,330 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $74,000 | 5,192 |
| Income before extraordinary items | $148,000 | 7,496 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $148,000 | 7,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $148,000 | 7,491 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,575,000 | 2,477 |
| Total interest expense | $5,317,000 | 2,203 |
| Net interest income | $6,258,000 | 2,698 |
| Provision for loan and lease losses | $461,000 | 1,484 |
| Total noninterest income | $570,000 | 4,181 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $67,000 | 6,374 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $503,000 | 2,841 |
| Total noninterest expense | $4,237,000 | 3,016 |
| Salaries and employee benefits | $2,403,000 | 2,947 |
| Premises and equipment expense | $600,000 | 3,001 |
| Additional noninterest expense | $1,234,000 | 3,048 |
| Pre-tax net operating income | $2,130,000 | 2,984 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $725,000 | 2,342 |
| Income before extraordinary items | $1,405,000 | 3,345 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,405,000 | 3,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $475,000 | 3,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,405,000 | 3,332 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,277,000 | 2,575 |
| Total interest expense | $3,247,000 | 2,285 |
| Net interest income | $4,030,000 | 2,774 |
| Provision for loan and lease losses | $252,000 | 1,748 |
| Total noninterest income | $457,000 | 3,730 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $45,000 | 6,387 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $412,000 | 2,514 |
| Total noninterest expense | $2,840,000 | 3,018 |
| Salaries and employee benefits | $1,580,000 | 2,995 |
| Premises and equipment expense | $389,000 | 3,077 |
| Additional noninterest expense | $871,000 | 2,907 |
| Pre-tax net operating income | $1,395,000 | 3,030 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $479,000 | 2,382 |
| Income before extraordinary items | $916,000 | 3,412 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $916,000 | 3,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,181 |
| Cash dividends | $275,000 | 3,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $916,000 | 3,402 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,486,000 | 2,625 |
| Total interest expense | $1,522,000 | 2,304 |
| Net interest income | $1,964,000 | 2,819 |
| Provision for loan and lease losses | $108,000 | 1,890 |
| Total noninterest income | $287,000 | 3,175 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $22,000 | 6,377 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $265,000 | 2,123 |
| Total noninterest expense | $1,402,000 | 3,055 |
| Salaries and employee benefits | $871,000 | 2,763 |
| Premises and equipment expense | $187,000 | 3,172 |
| Additional noninterest expense | $344,000 | 3,491 |
| Pre-tax net operating income | $741,000 | 2,857 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $259,000 | 2,213 |
| Income before extraordinary items | $482,000 | 3,261 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $482,000 | 3,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,017 |
| Cash dividends | $50,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $482,000 | 3,237 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,340,000 | 2,837 |
| Total interest expense | $4,287,000 | 2,510 |
| Net interest income | $7,053,000 | 3,026 |
| Provision for loan and lease losses | $242,000 | 3,228 |
| Total noninterest income | $933,000 | 3,725 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $104,000 | 6,233 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $829,000 | 2,484 |
| Total noninterest expense | $4,718,000 | 3,396 |
| Salaries and employee benefits | $2,962,000 | 3,000 |
| Premises and equipment expense | $603,000 | 3,640 |
| Additional noninterest expense | $1,153,000 | 3,976 |
| Pre-tax net operating income | $3,026,000 | 2,736 |
| Securities gains (losses) | $-10,000 | 7,535 |
| Applicable income taxes | $1,090,000 | 2,143 |
| Income before extraordinary items | $1,926,000 | 3,185 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,926,000 | 3,187 |
| 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 | $1,932,400 | 3,139 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,043,000 | 2,920 |
| Total interest expense | $2,937,000 | 2,584 |
| Net interest income | $5,106,000 | 3,096 |
| Provision for loan and lease losses | $154,000 | 3,437 |
| Total noninterest income | $589,000 | 4,101 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $79,000 | 6,261 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $510,000 | 2,847 |
| Total noninterest expense | $3,429,000 | 3,455 |
| Salaries and employee benefits | $2,142,000 | 3,073 |
| Premises and equipment expense | $453,000 | 3,638 |
| Additional noninterest expense | $834,000 | 4,054 |
| Pre-tax net operating income | $2,112,000 | 2,936 |
| Securities gains (losses) | $-10,000 | 7,915 |
| Applicable income taxes | $760,000 | 2,283 |
| Income before extraordinary items | $1,342,000 | 3,407 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,342,000 | 3,409 |
| 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 | $1,348,400 | 3,356 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,150,000 | 2,956 |
| Total interest expense | $1,783,000 | 2,645 |
| Net interest income | $3,367,000 | 3,094 |
| Provision for loan and lease losses | $135,000 | 2,835 |
| Total noninterest income | $515,000 | 3,442 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $59,000 | 6,042 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $456,000 | 2,324 |
| Total noninterest expense | $2,264,000 | 3,457 |
| Salaries and employee benefits | $1,444,000 | 3,030 |
| Premises and equipment expense | $299,000 | 3,637 |
| Additional noninterest expense | $521,000 | 4,235 |
| Pre-tax net operating income | $1,483,000 | 2,779 |
| Securities gains (losses) | $-10,000 | 8,138 |
| Applicable income taxes | $539,000 | 2,153 |
| Income before extraordinary items | $934,000 | 3,253 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $934,000 | 3,254 |
| 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 | $940,400 | 3,198 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,412,000 | 3,086 |
| Total interest expense | $795,000 | 2,802 |
| Net interest income | $1,617,000 | 3,195 |
| Provision for loan and lease losses | $131,000 | 1,628 |
| Total noninterest income | $297,000 | 3,076 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $30,000 | 5,982 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $267,000 | 2,045 |
| Total noninterest expense | $1,134,000 | 3,474 |
| Salaries and employee benefits | $739,000 | 2,967 |
| Premises and equipment expense | $150,000 | 3,653 |
| Additional noninterest expense | $245,000 | 4,420 |
| Pre-tax net operating income | $649,000 | 3,044 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $242,000 | 2,317 |
| Income before extraordinary items | $407,000 | 3,579 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $407,000 | 3,581 |
| 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 | $407,000 | 3,543 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,613,000 | 3,547 |
| Total interest expense | $2,449,000 | 3,100 |
| Net interest income | $5,164,000 | 3,718 |
| Provision for loan and lease losses | $21,000 | 6,700 |
| Total noninterest income | $1,719,000 | 2,446 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $132,000 | 6,026 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,587,000 | 1,574 |
| Total noninterest expense | $4,835,000 | 3,214 |
| Salaries and employee benefits | $2,878,000 | 2,945 |
| Premises and equipment expense | $627,000 | 3,408 |
| Additional noninterest expense | $1,330,000 | 3,460 |
| Pre-tax net operating income | $2,027,000 | 3,470 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $767,000 | 2,602 |
| Income before extraordinary items | $1,265,000 | 4,065 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,265,000 | 4,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-88,000 | 8,777 |
| Cash dividends | $100,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,261,800 | 4,012 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,443,000 | 3,672 |
| Total interest expense | $1,765,000 | 3,149 |
| Net interest income | $3,678,000 | 3,850 |
| Provision for loan and lease losses | $10,000 | 6,700 |
| Total noninterest income | $1,314,000 | 2,419 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $99,000 | 6,071 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,215,000 | 1,549 |
| Total noninterest expense | $3,505,000 | 3,296 |
| Salaries and employee benefits | $2,087,000 | 3,015 |
| Premises and equipment expense | $477,000 | 3,385 |
| Additional noninterest expense | $941,000 | 3,589 |
| Pre-tax net operating income | $1,477,000 | 3,608 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $559,000 | 2,703 |
| Income before extraordinary items | $922,000 | 4,200 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $922,000 | 4,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,758 |
| Cash dividends | $100,000 | 4,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $919,440 | 4,143 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,478,000 | 3,793 |
| Total interest expense | $1,165,000 | 3,153 |
| Net interest income | $2,313,000 | 4,033 |
| Provision for loan and lease losses | $10,000 | 6,364 |
| Total noninterest income | $828,000 | 2,533 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $66,000 | 6,081 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $762,000 | 1,604 |
| Total noninterest expense | $2,329,000 | 3,320 |
| Salaries and employee benefits | $1,401,000 | 3,013 |
| Premises and equipment expense | $320,000 | 3,368 |
| Additional noninterest expense | $608,000 | 3,709 |
| Pre-tax net operating income | $802,000 | 4,104 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $304,000 | 3,065 |
| Income before extraordinary items | $502,000 | 4,732 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $502,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,266 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $499,440 | 4,655 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 3,928 |
| Total interest expense | $580,000 | 3,202 |
| Net interest income | $1,087,000 | 4,214 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $417,000 | 2,468 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $30,000 | 6,194 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $387,000 | 1,571 |
| Total noninterest expense | $1,143,000 | 3,367 |
| Salaries and employee benefits | $687,000 | 3,080 |
| Premises and equipment expense | $162,000 | 3,373 |
| Additional noninterest expense | $294,000 | 3,801 |
| Pre-tax net operating income | $361,000 | 4,343 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $137,000 | 3,251 |
| Income before extraordinary items | $228,000 | 5,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $228,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 2,238 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $225,440 | 4,900 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,880,000 | 4,361 |
| Total interest expense | $1,898,000 | 4,182 |
| Net interest income | $3,982,000 | 4,384 |
| Provision for loan and lease losses | $1,229,000 | 963 |
| Total noninterest income | $1,394,000 | 2,989 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $99,000 | 6,568 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,295,000 | 2,012 |
| Total noninterest expense | $4,456,000 | 3,377 |
| Salaries and employee benefits | $2,655,000 | 3,101 |
| Premises and equipment expense | $631,000 | 3,386 |
| Additional noninterest expense | $1,170,000 | 3,792 |
| Pre-tax net operating income | $-309,000 | 8,748 |
| Securities gains (losses) | $65,000 | 2,278 |
| Applicable income taxes | $-1,053,000 | 9,139 |
| Income before extraordinary items | $809,000 | 5,216 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $809,000 | 5,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,013,000 | 917 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,937,000 | 286 |
| Net operating income | $767,400 | 5,191 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,265,000 | 4,514 |
| Total interest expense | $1,386,000 | 4,392 |
| Net interest income | $2,879,000 | 4,515 |
| Provision for loan and lease losses | $176,000 | 3,636 |
| Total noninterest income | $1,069,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $73,000 | 6,657 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $996,000 | 2,052 |
| Total noninterest expense | $3,275,000 | 3,434 |
| Salaries and employee benefits | $1,957,000 | 3,162 |
| Premises and equipment expense | $471,000 | 3,388 |
| Additional noninterest expense | $847,000 | 3,902 |
| Pre-tax net operating income | $497,000 | 6,299 |
| Securities gains (losses) | $65,000 | 2,100 |
| Applicable income taxes | $-749,000 | 9,190 |
| Income before extraordinary items | $1,311,000 | 3,265 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,311,000 | 3,264 |
| 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 | $2,935,000 | 195 |
| Net operating income | $1,246,000 | 3,231 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,638,000 | 4,804 |
| Total interest expense | $915,000 | 4,541 |
| Net interest income | $1,723,000 | 4,854 |
| Provision for loan and lease losses | $77,000 | 4,362 |
| Total noninterest income | $670,000 | 3,105 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $49,000 | 6,621 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $621,000 | 2,147 |
| Total noninterest expense | $2,090,000 | 3,554 |
| Salaries and employee benefits | $1,263,000 | 3,248 |
| Premises and equipment expense | $308,000 | 3,405 |
| Additional noninterest expense | $519,000 | 4,123 |
| Pre-tax net operating income | $226,000 | 6,998 |
| Securities gains (losses) | $65,000 | 1,837 |
| Applicable income taxes | $-851,000 | 9,237 |
| Income before extraordinary items | $1,142,000 | 2,688 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,142,000 | 2,687 |
| 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 | $2,923,000 | 118 |
| Net operating income | $1,077,000 | 2,652 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,238,000 | 5,053 |
| Total interest expense | $453,000 | 4,644 |
| Net interest income | $785,000 | 5,157 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $329,000 | 3,046 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $23,000 | 6,666 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $306,000 | 2,083 |
| Total noninterest expense | $991,000 | 3,694 |
| Salaries and employee benefits | $605,000 | 3,340 |
| Premises and equipment expense | $151,000 | 3,467 |
| Additional noninterest expense | $235,000 | 4,421 |
| Pre-tax net operating income | $123,000 | 6,857 |
| Securities gains (losses) | $36,000 | 1,574 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $159,000 | 5,879 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $159,000 | 5,878 |
| 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 | $123,000 | 6,332 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,802,000 | 6,066 |
| Total interest expense | $1,570,000 | 5,583 |
| Net interest income | $2,232,000 | 6,276 |
| Provision for loan and lease losses | $1,096,000 | 1,244 |
| Total noninterest income | $783,000 | 4,044 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $38,000 | 7,719 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $745,000 | 2,618 |
| Total noninterest expense | $3,450,000 | 4,017 |
| Salaries and employee benefits | $1,975,000 | 3,775 |
| Premises and equipment expense | $467,000 | 4,152 |
| Additional noninterest expense | $1,008,000 | 4,153 |
| Pre-tax net operating income | $-1,531,000 | 9,213 |
| Securities gains (losses) | $62,000 | 2,209 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,469,000 | 9,240 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,469,000 | 9,238 |
| 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 | $99,000 | 647 |
| Net operating income | $-1,531,000 | 9,217 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $140,000 | 9,558 |
| Total interest expense | $63,000 | 9,493 |
| Net interest income | $77,000 | 9,562 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $2,000 | 9,537 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,000 | 8,372 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,000 | 9,443 |
| Total noninterest expense | $1,059,000 | 7,801 |
| Salaries and employee benefits | $463,000 | 8,343 |
| Premises and equipment expense | $150,000 | 7,511 |
| Additional noninterest expense | $446,000 | 6,819 |
| Pre-tax net operating income | $-1,100,000 | 9,379 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,100,000 | 9,440 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,100,000 | 9,441 |
| 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 | $10,367,000 | 69 |
| Net operating income | $-1,100,000 | 9,407 |
* 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.