Home > Timberland Bank > Income and Expense

Timberland Bank, Income and Expense

2009-03-31 (YTD Data)		Rank
Total interest income	$2,007,000	3,937
Total interest expense	$770,000	3,709
Net interest income	$1,237,000	3,972
Provision for loan and lease losses	$275,000	2,441
Total noninterest income	$108,000	5,078
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$85,000	3,588
Trading account gains and fees	$0	171
Additional Noninterest Income	$23,000	6,000
Total noninterest expense	$1,175,000	3,830
Salaries and employee benefits	$478,000	4,623
Premises and equipment expense	$132,000	4,337
Additional noninterest expense	$565,000	2,697
Pre-tax net operating income	$-105,000	6,673
Securities gains (losses)	$0	2,434
Applicable income taxes	$-54,000	7,437
Income before extraordinary items	$-51,000	6,662
Extraordinary gains, net	$0	15
Net income	$-51,000	6,663
Minority interest net income	$0	102
Net income of bank and minority interests.	$-51,000	6,663
Net charge-offs	$615,000	1,237
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-51,000	6,549
2008-12-31 (YTD Data)		Rank
Total interest income	$10,077,000	3,502
Total interest expense	$4,860,000	3,030
Net interest income	$5,217,000	3,827
Provision for loan and lease losses	$5,903,000	895
Total noninterest income	$89,000	7,408
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$420,000	3,365
Trading account gains and fees	$0	154
Additional Noninterest Income	$-331,000	8,195
Total noninterest expense	$4,302,000	4,016
Salaries and employee benefits	$1,990,000	4,474
Premises and equipment expense	$509,000	4,411
Additional noninterest expense	$1,803,000	3,137
Pre-tax net operating income	$-4,899,000	7,793
Securities gains (losses)	$0	3,220
Applicable income taxes	$-1,918,000	7,904
Income before extraordinary items	$-2,981,000	7,610
Extraordinary gains, net	$0	39
Net income	$-2,981,000	7,609
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,643,000	619
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-2,981,000	7,680
2008-09-30 (YTD Data)		Rank
Total interest income	$7,874,000	3,461
Total interest expense	$3,967,000	2,925
Net interest income	$3,907,000	3,855
Provision for loan and lease losses	$4,643,000	669
Total noninterest income	$161,000	6,489
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$323,000	3,336
Trading account gains and fees	$0	148
Additional Noninterest Income	$-162,000	8,285
Total noninterest expense	$3,078,000	4,139
Salaries and employee benefits	$1,567,000	4,334
Premises and equipment expense	$383,000	4,425
Additional noninterest expense	$1,128,000	3,532
Pre-tax net operating income	$-3,653,000	8,065
Securities gains (losses)	$0	3,106
Applicable income taxes	$-1,445,000	8,126
Income before extraordinary items	$-2,208,000	7,902
Extraordinary gains, net	$0	31
Net income	$-2,208,000	7,901
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,997,000	528
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-2,208,000	7,973
2008-06-30 (YTD Data)		Rank
Total interest income	$5,444,000	3,413
Total interest expense	$2,790,000	2,900
Net interest income	$2,654,000	3,814
Provision for loan and lease losses	$1,795,000	846
Total noninterest income	$210,000	5,333
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$218,000	3,313
Trading account gains and fees	$0	149
Additional Noninterest Income	$-8,000	8,318
Total noninterest expense	$1,980,000	4,263
Salaries and employee benefits	$1,081,000	4,259
Premises and equipment expense	$251,000	4,499
Additional noninterest expense	$648,000	3,934
Pre-tax net operating income	$-911,000	7,867
Securities gains (losses)	$0	3,233
Applicable income taxes	$-381,000	8,120
Income before extraordinary items	$-530,000	7,720
Extraordinary gains, net	$0	21
Net income	$-530,000	7,719
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,492,000	658
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-530,000	7,699
2008-03-31 (YTD Data)		Rank
Total interest income	$2,762,000	3,463
Total interest expense	$1,490,000	2,903
Net interest income	$1,272,000	3,926
Provision for loan and lease losses	$300,000	1,372
Total noninterest income	$133,000	4,880
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$111,000	3,231
Trading account gains and fees	$0	158
Additional Noninterest Income	$22,000	6,334
Total noninterest expense	$980,000	4,298
Salaries and employee benefits	$531,000	4,338
Premises and equipment expense	$118,000	4,678
Additional noninterest expense	$331,000	3,824
Pre-tax net operating income	$125,000	5,712
Securities gains (losses)	$0	2,688
Applicable income taxes	$31,000	4,027
Income before extraordinary items	$94,000	5,917
Extraordinary gains, net	$0	15
Net income	$94,000	5,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$932,000	483
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$94,000	5,833
2007-12-31 (YTD Data)		Rank
Total interest income	$11,630,000	3,362
Total interest expense	$6,561,000	2,784
Net interest income	$5,069,000	3,961
Provision for loan and lease losses	$2,168,000	792
Total noninterest income	$584,000	4,698
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$475,000	3,161
Trading account gains and fees	$0	178
Additional Noninterest Income	$109,000	6,081
Total noninterest expense	$3,633,000	4,407
Salaries and employee benefits	$1,950,000	4,465
Premises and equipment expense	$504,000	4,337
Additional noninterest expense	$1,179,000	4,128
Pre-tax net operating income	$-148,000	7,604
Securities gains (losses)	$0	2,146
Applicable income taxes	$-114,000	8,035
Income before extraordinary items	$-34,000	7,558
Extraordinary gains, net	$0	39
Net income	$-34,000	7,556
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,134,000	589
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-34,000	7,538
2007-09-30 (YTD Data)		Rank
Total interest income	$8,592,000	3,422
Total interest expense	$4,909,000	2,787
Net interest income	$3,683,000	4,065
Provision for loan and lease losses	$320,000	2,205
Total noninterest income	$433,000	4,730
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$342,000	3,249
Trading account gains and fees	$0	184
Additional Noninterest Income	$91,000	5,961
Total noninterest expense	$2,783,000	4,328
Salaries and employee benefits	$1,530,000	4,312
Premises and equipment expense	$377,000	4,336
Additional noninterest expense	$876,000	4,102
Pre-tax net operating income	$1,013,000	4,327
Securities gains (losses)	$0	1,655
Applicable income taxes	$332,000	3,056
Income before extraordinary items	$681,000	4,730
Extraordinary gains, net	$0	33
Net income	$681,000	4,729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$334,000	1,427
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$681,000	4,722
2007-06-30 (YTD Data)		Rank
Total interest income	$5,645,000	3,467
Total interest expense	$3,238,000	2,806
Net interest income	$2,407,000	4,157
Provision for loan and lease losses	$160,000	2,495
Total noninterest income	$280,000	4,818
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$216,000	3,355
Trading account gains and fees	$0	168
Additional Noninterest Income	$64,000	5,897
Total noninterest expense	$1,807,000	4,434
Salaries and employee benefits	$1,016,000	4,369
Premises and equipment expense	$256,000	4,316
Additional noninterest expense	$535,000	4,373
Pre-tax net operating income	$720,000	4,249
Securities gains (losses)	$0	1,444
Applicable income taxes	$238,000	3,042
Income before extraordinary items	$482,000	4,633
Extraordinary gains, net	$0	29
Net income	$482,000	4,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	1,985
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$482,000	4,626
2007-03-31 (YTD Data)		Rank
Total interest income	$2,773,000	3,506
Total interest expense	$1,610,000	2,805
Net interest income	$1,163,000	4,261
Provision for loan and lease losses	$75,000	2,404
Total noninterest income	$132,000	4,902
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$89,000	3,686
Trading account gains and fees	$0	195
Additional Noninterest Income	$43,000	5,388
Total noninterest expense	$864,000	4,568
Salaries and employee benefits	$503,000	4,417
Premises and equipment expense	$132,000	4,228
Additional noninterest expense	$229,000	4,818
Pre-tax net operating income	$356,000	4,270
Securities gains (losses)	$0	1,187
Applicable income taxes	$117,000	3,061
Income before extraordinary items	$239,000	4,665
Extraordinary gains, net	$0	22
Net income	$239,000	4,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,041
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$239,000	4,650
2006-12-31 (YTD Data)		Rank
Total interest income	$10,267,000	3,500
Total interest expense	$5,237,000	2,920
Net interest income	$5,030,000	3,988
Provision for loan and lease losses	$360,000	2,452
Total noninterest income	$456,000	5,338
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$425,000	3,409
Trading account gains and fees	$0	130
Additional Noninterest Income	$31,000	7,671
Total noninterest expense	$3,462,000	4,437
Salaries and employee benefits	$1,910,000	4,422
Premises and equipment expense	$486,000	4,353
Additional noninterest expense	$1,066,000	4,316
Pre-tax net operating income	$1,664,000	4,054
Securities gains (losses)	$0	1,687
Applicable income taxes	$563,000	2,974
Income before extraordinary items	$1,101,000	4,490
Extraordinary gains, net	$0	51
Net income	$1,101,000	4,490
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$302,000	1,662
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,101,000	4,473
2006-09-30 (YTD Data)		Rank
Total interest income	$7,506,000	3,544
Total interest expense	$3,662,000	3,008
Net interest income	$3,844,000	3,963
Provision for loan and lease losses	$315,000	2,065
Total noninterest income	$337,000	5,385
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$311,000	3,483
Trading account gains and fees	$0	126
Additional Noninterest Income	$26,000	7,656
Total noninterest expense	$2,592,000	4,429
Salaries and employee benefits	$1,446,000	4,363
Premises and equipment expense	$359,000	4,396
Additional noninterest expense	$787,000	4,320
Pre-tax net operating income	$1,274,000	4,155
Securities gains (losses)	$0	1,388
Applicable income taxes	$439,000	3,043
Income before extraordinary items	$835,000	4,604
Extraordinary gains, net	$0	45
Net income	$835,000	4,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$240,000	1,338
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$835,000	4,592
2006-06-30 (YTD Data)		Rank
Total interest income	$4,828,000	3,593
Total interest expense	$2,230,000	3,119
Net interest income	$2,598,000	3,935
Provision for loan and lease losses	$210,000	2,022
Total noninterest income	$225,000	5,371
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$203,000	3,505
Trading account gains and fees	$0	126
Additional Noninterest Income	$22,000	7,458
Total noninterest expense	$1,698,000	4,496
Salaries and employee benefits	$960,000	4,391
Premises and equipment expense	$236,000	4,434
Additional noninterest expense	$502,000	4,480
Pre-tax net operating income	$915,000	4,007
Securities gains (losses)	$0	1,185
Applicable income taxes	$319,000	2,960
Income before extraordinary items	$596,000	4,462
Extraordinary gains, net	$0	39
Net income	$596,000	4,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	1,461
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$596,000	4,450
2006-03-31 (YTD Data)		Rank
Total interest income	$2,329,000	3,634
Total interest expense	$1,025,000	3,203
Net interest income	$1,304,000	3,936
Provision for loan and lease losses	$105,000	1,911
Total noninterest income	$113,000	5,345
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$94,000	3,616
Trading account gains and fees	$0	115
Additional Noninterest Income	$19,000	6,791
Total noninterest expense	$829,000	4,585
Salaries and employee benefits	$475,000	4,441
Premises and equipment expense	$116,000	4,522
Additional noninterest expense	$238,000	4,618
Pre-tax net operating income	$483,000	3,820
Securities gains (losses)	$0	955
Applicable income taxes	$184,000	2,726
Income before extraordinary items	$299,000	4,430
Extraordinary gains, net	$0	21
Net income	$299,000	4,430
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	1,941
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$299,000	4,417
2005-12-31 (YTD Data)		Rank
Total interest income	$8,515,000	3,568
Total interest expense	$3,300,000	3,087
Net interest income	$5,215,000	3,833
Provision for loan and lease losses	$740,000	1,354
Total noninterest income	$367,000	5,907
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$287,000	4,293
Trading account gains and fees	$0	138
Additional Noninterest Income	$80,000	6,751
Total noninterest expense	$3,174,000	4,589
Salaries and employee benefits	$1,772,000	4,526
Premises and equipment expense	$462,000	4,414
Additional noninterest expense	$940,000	4,624
Pre-tax net operating income	$1,668,000	4,128
Securities gains (losses)	$0	2,296
Applicable income taxes	$603,000	3,069
Income before extraordinary items	$1,065,000	4,664
Extraordinary gains, net	$0	46
Net income	$1,065,000	4,665
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$359,000	1,535
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,065,000	4,625
2005-09-30 (YTD Data)		Rank
Total interest income	$6,245,000	3,584
Total interest expense	$2,340,000	3,084
Net interest income	$3,905,000	3,837
Provision for loan and lease losses	$475,000	1,467
Total noninterest income	$254,000	6,112
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$189,000	4,590
Trading account gains and fees	$0	126
Additional Noninterest Income	$65,000	6,628
Total noninterest expense	$2,357,000	4,607
Salaries and employee benefits	$1,341,000	4,470
Premises and equipment expense	$335,000	4,492
Additional noninterest expense	$681,000	4,719
Pre-tax net operating income	$1,327,000	4,068
Securities gains (losses)	$0	2,317
Applicable income taxes	$505,000	2,915
Income before extraordinary items	$822,000	4,681
Extraordinary gains, net	$0	35
Net income	$822,000	4,683
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$258,000	1,416
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$822,000	4,643
2005-06-30 (YTD Data)		Rank
Total interest income	$4,044,000	3,593
Total interest expense	$1,468,000	3,097
Net interest income	$2,576,000	3,829
Provision for loan and lease losses	$275,000	1,648
Total noninterest income	$154,000	6,280
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$113,000	4,773
Trading account gains and fees	$0	116
Additional Noninterest Income	$41,000	6,734
Total noninterest expense	$1,541,000	4,646
Salaries and employee benefits	$893,000	4,455
Premises and equipment expense	$212,000	4,614
Additional noninterest expense	$436,000	4,828
Pre-tax net operating income	$914,000	3,955
Securities gains (losses)	$0	2,146
Applicable income taxes	$352,000	2,814
Income before extraordinary items	$562,000	4,590
Extraordinary gains, net	$0	30
Net income	$562,000	4,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,000	1,580
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$562,000	4,536
2005-03-31 (YTD Data)		Rank
Total interest income	$1,938,000	3,687
Total interest expense	$703,000	3,104
Net interest income	$1,235,000	3,970
Provision for loan and lease losses	$95,000	2,131
Total noninterest income	$75,000	6,308
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$52,000	4,904
Trading account gains and fees	$0	115
Additional Noninterest Income	$23,000	6,629
Total noninterest expense	$765,000	4,684
Salaries and employee benefits	$441,000	4,507
Premises and equipment expense	$111,000	4,520
Additional noninterest expense	$213,000	4,873
Pre-tax net operating income	$450,000	3,961
Securities gains (losses)	$0	1,685
Applicable income taxes	$177,000	2,793
Income before extraordinary items	$273,000	4,628
Extraordinary gains, net	$0	24
Net income	$273,000	4,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	2,325
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$273,000	4,588
2004-12-31 (YTD Data)		Rank
Total interest income	$7,091,000	3,766
Total interest expense	$2,326,000	3,227
Net interest income	$4,765,000	3,950
Provision for loan and lease losses	$690,000	1,474
Total noninterest income	$305,000	6,367
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$227,000	4,945
Trading account gains and fees	$0	138
Additional Noninterest Income	$78,000	6,806
Total noninterest expense	$2,673,000	5,062
Salaries and employee benefits	$1,494,000	4,967
Premises and equipment expense	$324,000	5,456
Additional noninterest expense	$855,000	4,871
Pre-tax net operating income	$1,707,000	3,913
Securities gains (losses)	$0	3,819
Applicable income taxes	$658,000	2,864
Income before extraordinary items	$1,049,000	4,562
Extraordinary gains, net	$0	34
Net income	$1,049,000	4,561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$390,000	1,631
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,049,000	4,487
2004-09-30 (YTD Data)		Rank
Total interest income	$5,163,000	3,834
Total interest expense	$1,665,000	3,295
Net interest income	$3,498,000	4,005
Provision for loan and lease losses	$470,000	1,522
Total noninterest income	$250,000	6,228
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$172,000	4,967
Trading account gains and fees	$0	134
Additional Noninterest Income	$78,000	6,347
Total noninterest expense	$1,910,000	5,196
Salaries and employee benefits	$1,072,000	5,060
Premises and equipment expense	$218,000	5,734
Additional noninterest expense	$620,000	4,947
Pre-tax net operating income	$1,368,000	3,819
Securities gains (losses)	$0	3,710
Applicable income taxes	$525,000	2,818
Income before extraordinary items	$843,000	4,470
Extraordinary gains, net	$0	26
Net income	$843,000	4,471
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	2,331
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$843,000	4,391
2004-06-30 (YTD Data)		Rank
Total interest income	$3,332,000	3,935
Total interest expense	$1,055,000	3,446
Net interest income	$2,277,000	4,086
Provision for loan and lease losses	$335,000	1,413
Total noninterest income	$156,000	6,379
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$107,000	5,129
Trading account gains and fees	$0	130
Additional Noninterest Income	$49,000	6,460
Total noninterest expense	$1,216,000	5,388
Salaries and employee benefits	$696,000	5,195
Premises and equipment expense	$132,000	6,048
Additional noninterest expense	$388,000	5,166
Pre-tax net operating income	$882,000	3,854
Securities gains (losses)	$0	3,413
Applicable income taxes	$377,000	2,664
Income before extraordinary items	$505,000	4,712
Extraordinary gains, net	$0	21
Net income	$505,000	4,713
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	2,646
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$505,000	4,621
2004-03-31 (YTD Data)		Rank
Total interest income	$1,624,000	4,023
Total interest expense	$525,000	3,489
Net interest income	$1,099,000	4,185
Provision for loan and lease losses	$125,000	1,741
Total noninterest income	$69,000	6,593
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$46,000	5,389
Trading account gains and fees	$0	121
Additional Noninterest Income	$23,000	6,579
Total noninterest expense	$569,000	5,617
Salaries and employee benefits	$334,000	5,360
Premises and equipment expense	$64,000	6,144
Additional noninterest expense	$171,000	5,584
Pre-tax net operating income	$474,000	3,669
Securities gains (losses)	$0	2,934
Applicable income taxes	$182,000	2,728
Income before extraordinary items	$292,000	4,334
Extraordinary gains, net	$0	16
Net income	$292,000	4,333
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	2,858
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$292,000	4,210
2003-12-31 (YTD Data)		Rank
Total interest income	$6,165,000	4,229
Total interest expense	$2,222,000	3,679
Net interest income	$3,943,000	4,408
Provision for loan and lease losses	$440,000	2,407
Total noninterest income	$250,000	6,948
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$182,000	5,462
Trading account gains and fees	$0	160
Additional Noninterest Income	$68,000	7,154
Total noninterest expense	$2,111,000	5,806
Salaries and employee benefits	$1,167,000	5,736
Premises and equipment expense	$212,000	6,644
Additional noninterest expense	$732,000	5,351
Pre-tax net operating income	$1,642,000	3,884
Securities gains (losses)	$0	4,500
Applicable income taxes	$630,000	2,961
Income before extraordinary items	$1,012,000	4,615
Extraordinary gains, net	$0	54
Net income	$1,012,000	4,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	3,045
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,012,000	4,444
2003-09-30 (YTD Data)		Rank
Total interest income	$4,537,000	4,339
Total interest expense	$1,692,000	3,751
Net interest income	$2,845,000	4,555
Provision for loan and lease losses	$245,000	2,890
Total noninterest income	$190,000	6,978
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$130,000	5,604
Trading account gains and fees	$0	153
Additional Noninterest Income	$60,000	6,950
Total noninterest expense	$1,528,000	5,918
Salaries and employee benefits	$836,000	5,861
Premises and equipment expense	$147,000	6,830
Additional noninterest expense	$545,000	5,355
Pre-tax net operating income	$1,262,000	3,939
Securities gains (losses)	$0	4,204
Applicable income taxes	$476,000	3,115
Income before extraordinary items	$786,000	4,646
Extraordinary gains, net	$0	40
Net income	$786,000	4,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,080
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$786,000	4,469
2003-06-30 (YTD Data)		Rank
Total interest income	$2,951,000	4,438
Total interest expense	$1,141,000	3,830
Net interest income	$1,810,000	4,697
Provision for loan and lease losses	$150,000	3,000
Total noninterest income	$124,000	7,004
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$84,000	5,654
Trading account gains and fees	$0	150
Additional Noninterest Income	$40,000	6,937
Total noninterest expense	$974,000	6,065
Salaries and employee benefits	$537,000	5,994
Premises and equipment expense	$94,000	6,916
Additional noninterest expense	$343,000	5,533
Pre-tax net operating income	$810,000	4,022
Securities gains (losses)	$0	3,782
Applicable income taxes	$306,000	3,216
Income before extraordinary items	$504,000	4,783
Extraordinary gains, net	$0	30
Net income	$504,000	4,782
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	2,557
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$504,000	4,575
2003-03-31 (YTD Data)		Rank
Total interest income	$1,440,000	4,536
Total interest expense	$582,000	3,847
Net interest income	$858,000	4,850
Provision for loan and lease losses	$60,000	3,248
Total noninterest income	$59,000	7,051
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$39,000	5,725
Trading account gains and fees	$0	134
Additional Noninterest Income	$20,000	6,924
Total noninterest expense	$478,000	6,151
Salaries and employee benefits	$261,000	6,101
Premises and equipment expense	$48,000	6,893
Additional noninterest expense	$169,000	5,559
Pre-tax net operating income	$379,000	4,174
Securities gains (losses)	$0	2,891
Applicable income taxes	$143,000	3,302
Income before extraordinary items	$236,000	4,864
Extraordinary gains, net	$0	21
Net income	$236,000	4,864
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	3,624
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$236,000	4,671
2002-12-31 (YTD Data)		Rank
Total interest income	$4,684,000	5,395
Total interest expense	$2,111,000	4,632
Net interest income	$2,573,000	5,813
Provision for loan and lease losses	$342,000	3,175
Total noninterest income	$197,000	7,341
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$132,000	6,089
Trading account gains and fees	$0	153
Additional Noninterest Income	$65,000	7,210
Total noninterest expense	$1,675,000	6,513
Salaries and employee benefits	$880,000	6,584
Premises and equipment expense	$190,000	6,887
Additional noninterest expense	$605,000	5,899
Pre-tax net operating income	$753,000	5,919
Securities gains (losses)	$0	4,537
Applicable income taxes	$242,000	4,814
Income before extraordinary items	$511,000	6,346
Extraordinary gains, net	$0	70
Net income	$511,000	6,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,669
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$511,000	6,194
2001-12-31 (YTD Data)		Rank
Total interest income	$2,914,000	7,344
Total interest expense	$1,862,000	6,323
Net interest income	$1,052,000	8,184
Provision for loan and lease losses	$205,000	4,072
Total noninterest income	$107,000	8,411
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$77,000	7,040
Trading account gains and fees	$0	177
Additional Noninterest Income	$30,000	8,341
Total noninterest expense	$1,222,000	7,404
Salaries and employee benefits	$623,000	7,566
Premises and equipment expense	$189,000	6,942
Additional noninterest expense	$410,000	7,063
Pre-tax net operating income	$-268,000	9,001
Securities gains (losses)	$0	4,612
Applicable income taxes	$-71,000	9,206
Income before extraordinary items	$-197,000	9,046
Extraordinary gains, net	$0	105
Net income	$-197,000	9,048
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,555
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-197,000	8,991
2000-12-31 (YTD Data)		Rank
Total interest income	$406,000	9,749
Total interest expense	$126,000	9,725
Net interest income	$280,000	9,719
Provision for loan and lease losses	$280,000	3,006
Total noninterest income	$8,000	9,760
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$5,000	8,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	9,721
Total noninterest expense	$653,000	8,955
Salaries and employee benefits	$358,000	8,958
Premises and equipment expense	$55,000	9,271
Additional noninterest expense	$240,000	8,423
Pre-tax net operating income	$-645,000	9,616
Securities gains (losses)	$0	1,956
Applicable income taxes	$-242,000	9,716
Income before extraordinary items	$-403,000	9,518
Extraordinary gains, net	$0	38
Net income	$-403,000	9,518
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	$4,697,000	232
Net operating income	$-403,000	9,519

* 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.