Home > The Town Bank > Income and Expense
The Town Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,321,000 | 3,307 |
| Total interest expense | $3,393,000 | 3,308 |
| Net interest income | $4,928,000 | 3,259 |
| Provision for loan and lease losses | $786,000 | 2,118 |
| Total noninterest income | $193,000 | 6,186 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $103,000 | 5,491 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $90,000 | 5,787 |
| Total noninterest expense | $4,426,000 | 3,104 |
| Salaries and employee benefits | $2,541,000 | 2,938 |
| Premises and equipment expense | $593,000 | 3,219 |
| Additional noninterest expense | $1,292,000 | 3,173 |
| Pre-tax net operating income | $-91,000 | 6,894 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-35,000 | 7,412 |
| Income before extraordinary items | $-56,000 | 6,707 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-56,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,241 |
| Cash dividends | $2,000,000 | 1,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-56,000 | 6,887 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,723,000 | 3,271 |
| Total interest expense | $2,232,000 | 3,468 |
| Net interest income | $3,491,000 | 3,061 |
| Provision for loan and lease losses | $561,000 | 1,782 |
| Total noninterest income | $127,000 | 6,274 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $66,000 | 5,572 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $61,000 | 5,834 |
| Total noninterest expense | $2,845,000 | 3,222 |
| Salaries and employee benefits | $1,613,000 | 3,115 |
| Premises and equipment expense | $404,000 | 3,186 |
| Additional noninterest expense | $828,000 | 3,263 |
| Pre-tax net operating income | $212,000 | 5,732 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $86,000 | 3,602 |
| Income before extraordinary items | $126,000 | 6,162 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $126,000 | 6,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $126,000 | 6,097 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,044,000 | 3,195 |
| Total interest expense | $1,192,000 | 3,470 |
| Net interest income | $1,852,000 | 2,895 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $61,000 | 6,336 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $33,000 | 5,550 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,994 |
| Total noninterest expense | $1,407,000 | 3,253 |
| Salaries and employee benefits | $810,000 | 3,129 |
| Premises and equipment expense | $188,000 | 3,395 |
| Additional noninterest expense | $409,000 | 3,251 |
| Pre-tax net operating income | $506,000 | 3,054 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $204,000 | 1,942 |
| Income before extraordinary items | $302,000 | 3,780 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $302,000 | 3,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $302,000 | 3,703 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,705,000 | 2,731 |
| Total interest expense | $6,717,000 | 2,723 |
| Net interest income | $7,988,000 | 2,733 |
| Provision for loan and lease losses | $3,000 | 6,787 |
| Total noninterest income | $245,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $109,000 | 5,906 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $136,000 | 5,738 |
| Total noninterest expense | $5,240,000 | 3,329 |
| Salaries and employee benefits | $2,821,000 | 3,396 |
| Premises and equipment expense | $531,000 | 4,197 |
| Additional noninterest expense | $1,888,000 | 2,810 |
| Pre-tax net operating income | $2,990,000 | 2,482 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,235,000 | 1,619 |
| Income before extraordinary items | $1,755,000 | 3,101 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,755,000 | 3,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $500,000 | 3,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,755,000 | 3,090 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,250,000 | 2,679 |
| Total interest expense | $5,193,000 | 2,649 |
| Net interest income | $6,057,000 | 2,707 |
| Provision for loan and lease losses | $3,000 | 6,442 |
| Total noninterest income | $195,000 | 6,356 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $79,000 | 5,996 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $116,000 | 5,535 |
| Total noninterest expense | $3,848,000 | 3,350 |
| Salaries and employee benefits | $2,078,000 | 3,421 |
| Premises and equipment expense | $396,000 | 4,198 |
| Additional noninterest expense | $1,374,000 | 2,825 |
| Pre-tax net operating income | $2,401,000 | 2,507 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $996,000 | 1,655 |
| Income before extraordinary items | $1,405,000 | 3,116 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,405,000 | 3,115 |
| 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 | $1,405,000 | 3,099 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,456,000 | 2,712 |
| Total interest expense | $3,429,000 | 2,667 |
| Net interest income | $4,027,000 | 2,738 |
| Provision for loan and lease losses | $3,000 | 6,090 |
| Total noninterest income | $127,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $49,000 | 6,112 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $78,000 | 5,568 |
| Total noninterest expense | $2,618,000 | 3,331 |
| Salaries and employee benefits | $1,399,000 | 3,425 |
| Premises and equipment expense | $265,000 | 4,205 |
| Additional noninterest expense | $954,000 | 2,738 |
| Pre-tax net operating income | $1,533,000 | 2,639 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $644,000 | 1,754 |
| Income before extraordinary items | $889,000 | 3,283 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $889,000 | 3,282 |
| 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 | $889,000 | 3,262 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,692,000 | 2,730 |
| Total interest expense | $1,681,000 | 2,698 |
| Net interest income | $2,011,000 | 2,743 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $63,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $23,000 | 6,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $40,000 | 5,516 |
| Total noninterest expense | $1,346,000 | 3,260 |
| Salaries and employee benefits | $694,000 | 3,484 |
| Premises and equipment expense | $132,000 | 4,228 |
| Additional noninterest expense | $520,000 | 2,526 |
| Pre-tax net operating income | $725,000 | 2,733 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $283,000 | 1,928 |
| Income before extraordinary items | $442,000 | 3,276 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $442,000 | 3,276 |
| 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 | $442,000 | 3,251 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,454,000 | 2,800 |
| Total interest expense | $5,939,000 | 2,627 |
| Net interest income | $7,515,000 | 2,911 |
| Provision for loan and lease losses | $328,000 | 2,623 |
| Total noninterest income | $218,000 | 6,769 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $47,000 | 6,937 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $171,000 | 5,395 |
| Total noninterest expense | $4,125,000 | 3,900 |
| Salaries and employee benefits | $1,811,000 | 4,590 |
| Premises and equipment expense | $353,000 | 5,299 |
| Additional noninterest expense | $1,961,000 | 2,610 |
| Pre-tax net operating income | $3,280,000 | 2,618 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,399,000 | 1,772 |
| Income before extraordinary items | $1,881,000 | 3,227 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,881,000 | 3,226 |
| 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 | $30,000 | 1,066 |
| Net operating income | $1,881,000 | 3,218 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,719,000 | 2,872 |
| Total interest expense | $4,280,000 | 2,632 |
| Net interest income | $5,439,000 | 3,046 |
| Provision for loan and lease losses | $265,000 | 2,378 |
| Total noninterest income | $130,000 | 7,177 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $47,000 | 6,787 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 6,169 |
| Total noninterest expense | $3,081,000 | 3,904 |
| Salaries and employee benefits | $1,319,000 | 4,661 |
| Premises and equipment expense | $357,000 | 4,416 |
| Additional noninterest expense | $1,405,000 | 2,708 |
| Pre-tax net operating income | $2,223,000 | 2,901 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $976,000 | 1,918 |
| Income before extraordinary items | $1,247,000 | 3,631 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,247,000 | 3,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,946 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 873 |
| Net operating income | $1,247,000 | 3,624 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,191,000 | 2,948 |
| Total interest expense | $2,747,000 | 2,622 |
| Net interest income | $3,444,000 | 3,175 |
| Provision for loan and lease losses | $130,000 | 2,874 |
| Total noninterest income | $86,000 | 7,234 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $29,000 | 6,890 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,166 |
| Total noninterest expense | $2,081,000 | 3,892 |
| Salaries and employee benefits | $883,000 | 4,671 |
| Premises and equipment expense | $230,000 | 4,507 |
| Additional noninterest expense | $968,000 | 2,642 |
| Pre-tax net operating income | $1,319,000 | 3,158 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $619,000 | 2,010 |
| Income before extraordinary items | $700,000 | 4,071 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $700,000 | 4,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 700 |
| Net operating income | $700,000 | 4,058 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,888,000 | 3,068 |
| Total interest expense | $1,356,000 | 2,534 |
| Net interest income | $1,532,000 | 3,485 |
| Provision for loan and lease losses | $19,000 | 4,620 |
| Total noninterest income | $37,000 | 7,412 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $13,000 | 6,977 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $1,139,000 | 3,625 |
| Salaries and employee benefits | $448,000 | 4,658 |
| Premises and equipment expense | $121,000 | 4,385 |
| Additional noninterest expense | $570,000 | 2,253 |
| Pre-tax net operating income | $411,000 | 4,216 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $265,000 | 2,175 |
| Income before extraordinary items | $146,000 | 6,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $146,000 | 6,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 457 |
| Net operating income | $146,000 | 6,023 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,292,000 | 3,337 |
| Total interest expense | $3,408,000 | 3,006 |
| Net interest income | $5,884,000 | 3,481 |
| Provision for loan and lease losses | $332,000 | 2,616 |
| Total noninterest income | $162,000 | 7,390 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $59,000 | 6,939 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $103,000 | 6,363 |
| Total noninterest expense | $3,469,000 | 4,312 |
| Salaries and employee benefits | $1,597,000 | 4,846 |
| Premises and equipment expense | $429,000 | 4,641 |
| Additional noninterest expense | $1,443,000 | 3,328 |
| Pre-tax net operating income | $2,245,000 | 3,411 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $707,000 | 2,794 |
| Income before extraordinary items | $1,538,000 | 3,721 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,538,000 | 3,722 |
| 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 | $96,000 | 727 |
| Net operating income | $1,538,000 | 3,695 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,529,000 | 3,462 |
| Total interest expense | $2,265,000 | 3,169 |
| Net interest income | $4,264,000 | 3,574 |
| Provision for loan and lease losses | $288,000 | 2,264 |
| Total noninterest income | $111,000 | 7,538 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $44,000 | 6,989 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $67,000 | 6,581 |
| Total noninterest expense | $2,486,000 | 4,442 |
| Salaries and employee benefits | $1,180,000 | 4,875 |
| Premises and equipment expense | $322,000 | 4,616 |
| Additional noninterest expense | $984,000 | 3,542 |
| Pre-tax net operating income | $1,601,000 | 3,579 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $425,000 | 3,224 |
| Income before extraordinary items | $1,176,000 | 3,713 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,176,000 | 3,714 |
| 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 | $95,000 | 573 |
| Net operating income | $1,176,000 | 3,677 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,078,000 | 3,566 |
| Total interest expense | $1,343,000 | 3,332 |
| Net interest income | $2,735,000 | 3,665 |
| Provision for loan and lease losses | $201,000 | 2,152 |
| Total noninterest income | $70,000 | 7,611 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $30,000 | 6,945 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $40,000 | 6,773 |
| Total noninterest expense | $1,532,000 | 4,662 |
| Salaries and employee benefits | $763,000 | 4,960 |
| Premises and equipment expense | $217,000 | 4,540 |
| Additional noninterest expense | $552,000 | 4,053 |
| Pre-tax net operating income | $1,072,000 | 3,541 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $245,000 | 3,449 |
| Income before extraordinary items | $827,000 | 3,563 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $827,000 | 3,565 |
| 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 | $82,000 | 453 |
| Net operating income | $827,000 | 3,512 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,908,000 | 3,740 |
| Total interest expense | $589,000 | 3,553 |
| Net interest income | $1,319,000 | 3,757 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $37,000 | 7,531 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $14,000 | 7,031 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,629 |
| Total noninterest expense | $756,000 | 4,724 |
| Salaries and employee benefits | $379,000 | 5,007 |
| Premises and equipment expense | $112,000 | 4,492 |
| Additional noninterest expense | $265,000 | 4,174 |
| Pre-tax net operating income | $540,000 | 3,474 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $126,000 | 3,391 |
| Income before extraordinary items | $414,000 | 3,538 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $414,000 | 3,539 |
| 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 | $82,000 | 276 |
| Net operating income | $414,000 | 3,499 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,317,000 | 4,105 |
| Total interest expense | $1,832,000 | 3,922 |
| Net interest income | $4,485,000 | 4,130 |
| Provision for loan and lease losses | $385,000 | 2,439 |
| Total noninterest income | $136,000 | 7,744 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $63,000 | 7,070 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $73,000 | 6,924 |
| Total noninterest expense | $2,788,000 | 4,913 |
| Salaries and employee benefits | $1,376,000 | 5,235 |
| Premises and equipment expense | $415,000 | 4,644 |
| Additional noninterest expense | $997,000 | 4,365 |
| Pre-tax net operating income | $1,448,000 | 4,330 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $84,000 | 5,682 |
| Income before extraordinary items | $1,364,000 | 3,864 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,364,000 | 3,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $182,000 | 585 |
| Net operating income | $1,364,000 | 3,806 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,521,000 | 4,227 |
| Total interest expense | $1,314,000 | 4,019 |
| Net interest income | $3,207,000 | 4,276 |
| Provision for loan and lease losses | $280,000 | 2,380 |
| Total noninterest income | $99,000 | 7,812 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $48,000 | 7,102 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 7,030 |
| Total noninterest expense | $2,040,000 | 4,957 |
| Salaries and employee benefits | $1,012,000 | 5,281 |
| Premises and equipment expense | $309,000 | 4,669 |
| Additional noninterest expense | $719,000 | 4,429 |
| Pre-tax net operating income | $986,000 | 4,646 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $59,000 | 5,842 |
| Income before extraordinary items | $927,000 | 4,188 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $927,000 | 4,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 654 |
| Net operating income | $927,000 | 4,123 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,827,000 | 4,434 |
| Total interest expense | $827,000 | 4,179 |
| Net interest income | $2,000,000 | 4,479 |
| Provision for loan and lease losses | $140,000 | 2,884 |
| Total noninterest income | $62,000 | 7,920 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $30,000 | 7,195 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $32,000 | 7,137 |
| Total noninterest expense | $1,350,000 | 5,011 |
| Salaries and employee benefits | $674,000 | 5,318 |
| Premises and equipment expense | $210,000 | 4,621 |
| Additional noninterest expense | $466,000 | 4,558 |
| Pre-tax net operating income | $572,000 | 4,949 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $35,000 | 5,928 |
| Income before extraordinary items | $537,000 | 4,558 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $537,000 | 4,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $537,000 | 4,465 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,360,000 | 4,579 |
| Total interest expense | $401,000 | 4,333 |
| Net interest income | $959,000 | 4,606 |
| Provision for loan and lease losses | $55,000 | 3,182 |
| Total noninterest income | $28,000 | 8,048 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $16,000 | 7,105 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $658,000 | 5,129 |
| Salaries and employee benefits | $338,000 | 5,313 |
| Premises and equipment expense | $105,000 | 4,639 |
| Additional noninterest expense | $215,000 | 4,818 |
| Pre-tax net operating income | $274,000 | 5,043 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $4,000 | 6,676 |
| Income before extraordinary items | $270,000 | 4,558 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $270,000 | 4,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $270,000 | 4,421 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,835,000 | 5,011 |
| Total interest expense | $1,570,000 | 4,744 |
| Net interest income | $3,265,000 | 5,033 |
| Provision for loan and lease losses | $191,000 | 4,114 |
| Total noninterest income | $208,000 | 7,282 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $71,000 | 7,075 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $137,000 | 5,993 |
| Total noninterest expense | $2,542,000 | 5,160 |
| Salaries and employee benefits | $1,209,000 | 5,612 |
| Premises and equipment expense | $425,000 | 4,531 |
| Additional noninterest expense | $908,000 | 4,592 |
| Pre-tax net operating income | $740,000 | 5,876 |
| Securities gains (losses) | $34,000 | 2,826 |
| Applicable income taxes | $76,000 | 5,981 |
| Income before extraordinary items | $698,000 | 5,603 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $698,000 | 5,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $6,119,000 | 165 |
| Net operating income | $667,400 | 5,542 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,529,000 | 5,160 |
| Total interest expense | $1,182,000 | 4,858 |
| Net interest income | $2,347,000 | 5,200 |
| Provision for loan and lease losses | $115,000 | 4,426 |
| Total noninterest income | $163,000 | 7,244 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $52,000 | 7,162 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $111,000 | 5,889 |
| Total noninterest expense | $1,875,000 | 5,196 |
| Salaries and employee benefits | $861,000 | 5,755 |
| Premises and equipment expense | $326,000 | 4,476 |
| Additional noninterest expense | $688,000 | 4,519 |
| Pre-tax net operating income | $520,000 | 6,194 |
| Securities gains (losses) | $34,000 | 2,597 |
| Applicable income taxes | $49,000 | 6,220 |
| Income before extraordinary items | $505,000 | 5,827 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $505,000 | 5,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $6,119,000 | 109 |
| Net operating income | $474,060 | 5,815 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,297,000 | 5,278 |
| Total interest expense | $784,000 | 4,992 |
| Net interest income | $1,513,000 | 5,296 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $111,000 | 7,204 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $36,000 | 7,105 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $75,000 | 5,841 |
| Total noninterest expense | $1,165,000 | 5,436 |
| Salaries and employee benefits | $552,000 | 5,902 |
| Premises and equipment expense | $201,000 | 4,692 |
| Additional noninterest expense | $412,000 | 4,898 |
| Pre-tax net operating income | $379,000 | 5,995 |
| Securities gains (losses) | $14,000 | 2,789 |
| Applicable income taxes | $38,000 | 6,147 |
| Income before extraordinary items | $355,000 | 5,695 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $355,000 | 5,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $342,400 | 5,577 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,133,000 | 5,327 |
| Total interest expense | $389,000 | 5,124 |
| Net interest income | $744,000 | 5,344 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $32,000 | 8,066 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $583,000 | 5,432 |
| Salaries and employee benefits | $283,000 | 5,808 |
| Premises and equipment expense | $102,000 | 4,629 |
| Additional noninterest expense | $198,000 | 4,993 |
| Pre-tax net operating income | $153,000 | 6,427 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $16,000 | 6,250 |
| Income before extraordinary items | $144,000 | 6,103 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $144,000 | 6,102 |
| 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 | $137,700 | 6,055 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,937,000 | 5,961 |
| Total interest expense | $1,470,000 | 5,791 |
| Net interest income | $2,467,000 | 5,948 |
| Provision for loan and lease losses | $303,000 | 3,391 |
| Total noninterest income | $178,000 | 7,527 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $70,000 | 7,133 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $108,000 | 6,289 |
| Total noninterest expense | $2,341,000 | 5,313 |
| Salaries and employee benefits | $1,134,000 | 5,692 |
| Premises and equipment expense | $385,000 | 4,786 |
| Additional noninterest expense | $822,000 | 4,836 |
| Pre-tax net operating income | $1,000 | 8,617 |
| Securities gains (losses) | $77,000 | 2,005 |
| Applicable income taxes | $22,000 | 7,002 |
| Income before extraordinary items | $56,000 | 8,528 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $56,000 | 8,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,876 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $560 | 8,642 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 7,111 |
| Total interest expense | $1,436,000 | 7,104 |
| Net interest income | $1,704,000 | 6,971 |
| Provision for loan and lease losses | $153,000 | 4,725 |
| Total noninterest income | $115,000 | 8,307 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $51,000 | 7,582 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $64,000 | 7,283 |
| Total noninterest expense | $2,162,000 | 5,448 |
| Salaries and employee benefits | $1,073,000 | 5,733 |
| Premises and equipment expense | $341,000 | 5,123 |
| Additional noninterest expense | $748,000 | 5,019 |
| Pre-tax net operating income | $-496,000 | 9,163 |
| Securities gains (losses) | $5,000 | 3,927 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-491,000 | 9,236 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-491,000 | 9,237 |
| 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 | $10,000 | 848 |
| Net operating income | $-496,000 | 9,198 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,743,000 | 7,664 |
| Total interest expense | $1,222,000 | 7,758 |
| Net interest income | $1,521,000 | 7,435 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $73,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 7,855 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,420 |
| Total noninterest expense | $1,740,000 | 6,177 |
| Salaries and employee benefits | $857,000 | 6,473 |
| Premises and equipment expense | $283,000 | 5,614 |
| Additional noninterest expense | $600,000 | 5,789 |
| Pre-tax net operating income | $-216,000 | 9,351 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-216,000 | 9,387 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-216,000 | 9,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,329,000 | 333 |
| Net operating income | $-216,000 | 9,387 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,490,000 | 9,084 |
| Total interest expense | $690,000 | 8,969 |
| Net interest income | $800,000 | 9,069 |
| Provision for loan and lease losses | $105,000 | 5,113 |
| Total noninterest income | $49,000 | 9,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 8,795 |
| Total noninterest expense | $1,662,000 | 6,380 |
| Salaries and employee benefits | $775,000 | 6,869 |
| Premises and equipment expense | $291,000 | 5,562 |
| Additional noninterest expense | $596,000 | 5,845 |
| Pre-tax net operating income | $-918,000 | 10,047 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-918,000 | 10,069 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-918,000 | 10,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-918,000 | 10,060 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $247,000 | 10,336 |
| Total interest expense | $30,000 | 10,363 |
| Net interest income | $217,000 | 10,283 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $6,000 | 10,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,162 |
| Total noninterest expense | $885,000 | 8,482 |
| Salaries and employee benefits | $423,000 | 8,821 |
| Premises and equipment expense | $124,000 | 8,185 |
| Additional noninterest expense | $338,000 | 7,759 |
| Pre-tax net operating income | $-672,000 | 10,256 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $-673,000 | 10,296 |
| Extraordinary gains, net | $-128,000 | 10,435 |
| Net income | $-801,000 | 10,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $6,212,000 | 184 |
| Net operating income | $-673,000 | 10,269 |
* 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.