Home > Town Center Bank > Income and Expense
Town Center Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,666,000 | 3,461 |
| Total interest expense | $2,254,000 | 3,726 |
| Net interest income | $3,412,000 | 3,194 |
| Provision for loan and lease losses | $40,000 | 4,625 |
| Total noninterest income | $488,000 | 3,610 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $84,000 | 5,265 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $404,000 | 2,560 |
| Total noninterest expense | $2,057,000 | 4,051 |
| Salaries and employee benefits | $1,296,000 | 3,645 |
| Premises and equipment expense | $240,000 | 4,493 |
| Additional noninterest expense | $521,000 | 4,452 |
| Pre-tax net operating income | $1,803,000 | 2,338 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $646,000 | 1,748 |
| Income before extraordinary items | $1,157,000 | 2,714 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,157,000 | 2,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $375,000 | 2,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,157,000 | 2,702 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,820,000 | 3,454 |
| Total interest expense | $1,113,000 | 3,730 |
| Net interest income | $1,707,000 | 3,181 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $230,000 | 3,726 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $188,000 | 2,640 |
| Total noninterest expense | $1,043,000 | 4,009 |
| Salaries and employee benefits | $660,000 | 3,617 |
| Premises and equipment expense | $122,000 | 4,460 |
| Additional noninterest expense | $261,000 | 4,396 |
| Pre-tax net operating income | $894,000 | 2,358 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $319,000 | 1,787 |
| Income before extraordinary items | $575,000 | 2,725 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $575,000 | 2,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $75,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $575,000 | 2,711 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,545,000 | 3,440 |
| Total interest expense | $3,603,000 | 3,839 |
| Net interest income | $6,942,000 | 3,127 |
| Provision for loan and lease losses | $285,000 | 2,880 |
| Total noninterest income | $969,000 | 3,621 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $179,000 | 5,192 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $790,000 | 2,598 |
| Total noninterest expense | $4,003,000 | 3,996 |
| Salaries and employee benefits | $2,386,000 | 3,738 |
| Premises and equipment expense | $500,000 | 4,268 |
| Additional noninterest expense | $1,117,000 | 4,164 |
| Pre-tax net operating income | $3,623,000 | 2,413 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,340,000 | 1,823 |
| Income before extraordinary items | $2,283,000 | 2,812 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,283,000 | 2,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,751 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,283,000 | 2,804 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,708,000 | 3,480 |
| Total interest expense | $2,555,000 | 3,897 |
| Net interest income | $5,153,000 | 3,178 |
| Provision for loan and lease losses | $265,000 | 2,378 |
| Total noninterest income | $711,000 | 3,679 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $134,000 | 5,249 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $577,000 | 2,646 |
| Total noninterest expense | $2,935,000 | 4,041 |
| Salaries and employee benefits | $1,734,000 | 3,828 |
| Premises and equipment expense | $375,000 | 4,287 |
| Additional noninterest expense | $826,000 | 4,177 |
| Pre-tax net operating income | $2,664,000 | 2,529 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $985,000 | 1,906 |
| Income before extraordinary items | $1,679,000 | 2,946 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,679,000 | 2,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,088 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,679,000 | 2,936 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,906,000 | 3,544 |
| Total interest expense | $1,586,000 | 3,967 |
| Net interest income | $3,320,000 | 3,282 |
| Provision for loan and lease losses | $200,000 | 2,096 |
| Total noninterest income | $411,000 | 3,993 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $93,000 | 5,175 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $318,000 | 2,902 |
| Total noninterest expense | $1,849,000 | 4,219 |
| Salaries and employee benefits | $1,067,000 | 4,070 |
| Premises and equipment expense | $250,000 | 4,268 |
| Additional noninterest expense | $532,000 | 4,277 |
| Pre-tax net operating income | $1,682,000 | 2,643 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $622,000 | 2,002 |
| Income before extraordinary items | $1,060,000 | 3,076 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,060,000 | 3,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,505 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,060,000 | 3,067 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,329,000 | 3,634 |
| Total interest expense | $734,000 | 4,055 |
| Net interest income | $1,595,000 | 3,365 |
| Provision for loan and lease losses | $100,000 | 1,992 |
| Total noninterest income | $213,000 | 3,844 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $51,000 | 4,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $162,000 | 2,832 |
| Total noninterest expense | $918,000 | 4,256 |
| Salaries and employee benefits | $533,000 | 4,103 |
| Premises and equipment expense | $128,000 | 4,229 |
| Additional noninterest expense | $257,000 | 4,386 |
| Pre-tax net operating income | $790,000 | 2,735 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $292,000 | 2,062 |
| Income before extraordinary items | $498,000 | 3,168 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $498,000 | 3,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,335 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $498,000 | 3,147 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,865,000 | 3,803 |
| Total interest expense | $2,366,000 | 3,966 |
| Net interest income | $5,499,000 | 3,684 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $1,354,000 | 2,874 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $122,000 | 5,971 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,232,000 | 1,930 |
| Total noninterest expense | $4,233,000 | 3,704 |
| Salaries and employee benefits | $2,660,000 | 3,309 |
| Premises and equipment expense | $587,000 | 3,727 |
| Additional noninterest expense | $986,000 | 4,465 |
| Pre-tax net operating income | $2,320,000 | 3,328 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $880,000 | 2,448 |
| Income before extraordinary items | $1,439,000 | 3,884 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,439,000 | 3,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,419 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,439,640 | 3,861 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,590,000 | 3,906 |
| Total interest expense | $1,662,000 | 4,005 |
| Net interest income | $3,928,000 | 3,820 |
| Provision for loan and lease losses | $300,000 | 2,192 |
| Total noninterest income | $1,163,000 | 2,638 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $93,000 | 5,984 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,070,000 | 1,738 |
| Total noninterest expense | $3,230,000 | 3,633 |
| Salaries and employee benefits | $2,068,000 | 3,179 |
| Premises and equipment expense | $430,000 | 3,769 |
| Additional noninterest expense | $732,000 | 4,489 |
| Pre-tax net operating income | $1,561,000 | 3,638 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $592,000 | 2,663 |
| Income before extraordinary items | $968,000 | 4,251 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $968,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,609 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $968,640 | 4,203 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,444,000 | 4,078 |
| Total interest expense | $983,000 | 4,186 |
| Net interest income | $2,461,000 | 3,972 |
| Provision for loan and lease losses | $225,000 | 1,956 |
| Total noninterest income | $776,000 | 2,596 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $63,000 | 5,922 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $713,000 | 1,728 |
| Total noninterest expense | $2,152,000 | 3,608 |
| Salaries and employee benefits | $1,393,000 | 3,131 |
| Premises and equipment expense | $284,000 | 3,780 |
| Additional noninterest expense | $475,000 | 4,546 |
| Pre-tax net operating income | $860,000 | 4,110 |
| Securities gains (losses) | $-1,000 | 7,609 |
| Applicable income taxes | $326,000 | 2,955 |
| Income before extraordinary items | $533,000 | 4,726 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $533,000 | 4,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $533,640 | 4,675 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,647,000 | 4,189 |
| Total interest expense | $456,000 | 4,294 |
| Net interest income | $1,191,000 | 4,085 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $357,000 | 2,689 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $32,000 | 5,874 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $325,000 | 1,801 |
| Total noninterest expense | $1,070,000 | 3,643 |
| Salaries and employee benefits | $699,000 | 3,124 |
| Premises and equipment expense | $141,000 | 3,820 |
| Additional noninterest expense | $230,000 | 4,642 |
| Pre-tax net operating income | $428,000 | 4,088 |
| Securities gains (losses) | $-1,000 | 8,158 |
| Applicable income taxes | $162,000 | 2,970 |
| Income before extraordinary items | $265,000 | 4,708 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $265,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $265,640 | 4,665 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,510,000 | 4,534 |
| Total interest expense | $1,379,000 | 4,744 |
| Net interest income | $4,131,000 | 4,377 |
| Provision for loan and lease losses | $146,000 | 4,313 |
| Total noninterest income | $1,865,000 | 2,312 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $150,000 | 5,779 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,715,000 | 1,484 |
| Total noninterest expense | $4,277,000 | 3,548 |
| Salaries and employee benefits | $2,825,000 | 2,998 |
| Premises and equipment expense | $457,000 | 4,357 |
| Additional noninterest expense | $995,000 | 4,370 |
| Pre-tax net operating income | $1,573,000 | 4,127 |
| Securities gains (losses) | $14,000 | 2,631 |
| Applicable income taxes | $587,000 | 3,068 |
| Income before extraordinary items | $1,000,000 | 4,705 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,000,000 | 4,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $991,040 | 4,652 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,996,000 | 4,620 |
| Total interest expense | $965,000 | 4,882 |
| Net interest income | $3,031,000 | 4,433 |
| Provision for loan and lease losses | $146,000 | 3,588 |
| Total noninterest income | $1,434,000 | 2,277 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $109,000 | 5,894 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,325,000 | 1,457 |
| Total noninterest expense | $3,096,000 | 3,613 |
| Salaries and employee benefits | $2,065,000 | 3,049 |
| Premises and equipment expense | $323,000 | 4,531 |
| Additional noninterest expense | $708,000 | 4,480 |
| Pre-tax net operating income | $1,223,000 | 4,114 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $418,000 | 3,230 |
| Income before extraordinary items | $805,000 | 4,617 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $805,000 | 4,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $805,000 | 4,525 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 4,731 |
| Total interest expense | $605,000 | 5,078 |
| Net interest income | $1,970,000 | 4,520 |
| Provision for loan and lease losses | $118,000 | 3,243 |
| Total noninterest income | $894,000 | 2,384 |
| 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 | $828,000 | 1,516 |
| Total noninterest expense | $1,981,000 | 3,763 |
| Salaries and employee benefits | $1,317,000 | 3,183 |
| Premises and equipment expense | $201,000 | 4,744 |
| Additional noninterest expense | $463,000 | 4,583 |
| Pre-tax net operating income | $765,000 | 4,227 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $259,000 | 3,330 |
| Income before extraordinary items | $506,000 | 4,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $506,000 | 4,705 |
| 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 | $506,000 | 4,615 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,233,000 | 4,911 |
| Total interest expense | $278,000 | 5,407 |
| Net interest income | $955,000 | 4,621 |
| Provision for loan and lease losses | $40,000 | 3,725 |
| Total noninterest income | $339,000 | 2,850 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $32,000 | 6,092 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $307,000 | 1,857 |
| Total noninterest expense | $886,000 | 4,139 |
| Salaries and employee benefits | $566,000 | 3,632 |
| Premises and equipment expense | $98,000 | 4,857 |
| Additional noninterest expense | $222,000 | 4,690 |
| Pre-tax net operating income | $368,000 | 4,302 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $125,000 | 3,416 |
| Income before extraordinary items | $243,000 | 4,833 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $243,000 | 4,832 |
| 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 | $243,000 | 4,714 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,087,000 | 5,564 |
| Total interest expense | $1,044,000 | 5,992 |
| Net interest income | $3,043,000 | 5,268 |
| Provision for loan and lease losses | $234,000 | 3,734 |
| Total noninterest income | $1,146,000 | 3,405 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $97,000 | 6,604 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,049,000 | 2,318 |
| Total noninterest expense | $2,672,000 | 4,974 |
| Salaries and employee benefits | $1,657,000 | 4,522 |
| Premises and equipment expense | $319,000 | 5,474 |
| Additional noninterest expense | $696,000 | 5,518 |
| Pre-tax net operating income | $1,283,000 | 4,514 |
| Securities gains (losses) | $52,000 | 2,478 |
| Applicable income taxes | $473,000 | 3,467 |
| Income before extraordinary items | $862,000 | 5,051 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $862,000 | 5,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,775 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $828,200 | 4,990 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,925,000 | 5,799 |
| Total interest expense | $775,000 | 6,162 |
| Net interest income | $2,150,000 | 5,480 |
| Provision for loan and lease losses | $160,000 | 3,772 |
| Total noninterest income | $817,000 | 3,604 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $69,000 | 6,736 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $748,000 | 2,461 |
| Total noninterest expense | $1,796,000 | 5,341 |
| Salaries and employee benefits | $1,097,000 | 4,918 |
| Premises and equipment expense | $228,000 | 5,602 |
| Additional noninterest expense | $471,000 | 5,825 |
| Pre-tax net operating income | $1,011,000 | 4,520 |
| Securities gains (losses) | $35,000 | 2,583 |
| Applicable income taxes | $364,000 | 3,573 |
| Income before extraordinary items | $682,000 | 5,061 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $682,000 | 5,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,899 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $659,250 | 4,963 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,824,000 | 6,025 |
| Total interest expense | $502,000 | 6,384 |
| Net interest income | $1,322,000 | 5,733 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $301,000 | 4,976 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $41,000 | 6,904 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $260,000 | 3,554 |
| Total noninterest expense | $955,000 | 6,134 |
| Salaries and employee benefits | $569,000 | 5,785 |
| Premises and equipment expense | $139,000 | 5,890 |
| Additional noninterest expense | $247,000 | 6,560 |
| Pre-tax net operating income | $578,000 | 4,935 |
| Securities gains (losses) | $35,000 | 2,261 |
| Applicable income taxes | $213,000 | 3,843 |
| Income before extraordinary items | $400,000 | 5,406 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $400,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,111 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $377,250 | 5,353 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $858,000 | 6,250 |
| Total interest expense | $244,000 | 6,559 |
| Net interest income | $614,000 | 5,996 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $89,000 | 6,188 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 6,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $69,000 | 4,643 |
| Total noninterest expense | $416,000 | 6,590 |
| Salaries and employee benefits | $251,000 | 6,237 |
| Premises and equipment expense | $63,000 | 6,146 |
| Additional noninterest expense | $102,000 | 7,099 |
| Pre-tax net operating income | $197,000 | 5,876 |
| Securities gains (losses) | $35,000 | 1,588 |
| Applicable income taxes | $81,000 | 4,334 |
| Income before extraordinary items | $151,000 | 6,007 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $151,000 | 6,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,410 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $128,250 | 6,223 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,023,000 | 6,840 |
| Total interest expense | $997,000 | 6,940 |
| Net interest income | $2,026,000 | 6,587 |
| Provision for loan and lease losses | $45,000 | 6,823 |
| Total noninterest income | $176,000 | 7,556 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $61,000 | 7,331 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $115,000 | 6,152 |
| Total noninterest expense | $1,396,000 | 7,065 |
| Salaries and employee benefits | $827,000 | 6,788 |
| Premises and equipment expense | $210,000 | 6,659 |
| Additional noninterest expense | $359,000 | 7,417 |
| Pre-tax net operating income | $761,000 | 5,888 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $257,000 | 4,714 |
| Income before extraordinary items | $504,000 | 6,380 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $504,000 | 6,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,420 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $504,000 | 6,230 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,586,000 | 7,656 |
| Total interest expense | $1,087,000 | 7,833 |
| Net interest income | $1,499,000 | 7,330 |
| Provision for loan and lease losses | $85,000 | 5,898 |
| Total noninterest income | $124,000 | 8,184 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $68,000 | 7,211 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $56,000 | 7,506 |
| Total noninterest expense | $1,095,000 | 7,700 |
| Salaries and employee benefits | $615,000 | 7,594 |
| Premises and equipment expense | $191,000 | 6,909 |
| Additional noninterest expense | $289,000 | 7,943 |
| Pre-tax net operating income | $443,000 | 6,779 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $4,000 | 7,767 |
| Income before extraordinary items | $445,000 | 6,334 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $445,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 9,411 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $439,060 | 6,241 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,015,000 | 8,396 |
| Total interest expense | $909,000 | 8,421 |
| Net interest income | $1,106,000 | 8,265 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $100,000 | 8,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,337 |
| Total noninterest expense | $989,000 | 8,060 |
| Salaries and employee benefits | $519,000 | 8,156 |
| Premises and equipment expense | $155,000 | 7,516 |
| Additional noninterest expense | $315,000 | 7,826 |
| Pre-tax net operating income | $167,000 | 8,513 |
| Securities gains (losses) | $-22,000 | 8,788 |
| Applicable income taxes | $-87,000 | 9,560 |
| Income before extraordinary items | $232,000 | 7,885 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $232,000 | 7,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,082 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $254,000 | 7,749 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,675,000 | 8,865 |
| Total interest expense | $794,000 | 8,697 |
| Net interest income | $881,000 | 8,881 |
| Provision for loan and lease losses | $208,000 | 3,472 |
| Total noninterest income | $72,000 | 9,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,178 |
| Total noninterest expense | $925,000 | 8,346 |
| Salaries and employee benefits | $483,000 | 8,441 |
| Premises and equipment expense | $146,000 | 7,736 |
| Additional noninterest expense | $296,000 | 8,153 |
| Pre-tax net operating income | $-180,000 | 9,604 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $-37,000 | 9,782 |
| Income before extraordinary items | $-141,000 | 9,612 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-141,000 | 9,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,462 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-142,580 | 9,594 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,336,000 | 9,493 |
| Total interest expense | $737,000 | 9,098 |
| Net interest income | $599,000 | 9,739 |
| Provision for loan and lease losses | $291,000 | 2,706 |
| Total noninterest income | $54,000 | 9,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,466 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,387 |
| Total noninterest expense | $724,000 | 9,039 |
| Salaries and employee benefits | $331,000 | 9,415 |
| Premises and equipment expense | $136,000 | 7,956 |
| Additional noninterest expense | $257,000 | 8,537 |
| Pre-tax net operating income | $-362,000 | 10,109 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-35,000 | 10,099 |
| Income before extraordinary items | $-327,000 | 10,141 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-327,000 | 10,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,214 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-327,000 | 10,112 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $266,000 | 10,812 |
| Total interest expense | $122,000 | 10,761 |
| Net interest income | $144,000 | 10,823 |
| Provision for loan and lease losses | $47,000 | 6,813 |
| Total noninterest income | $14,000 | 10,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 9,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,520 |
| Total noninterest expense | $681,000 | 9,453 |
| Salaries and employee benefits | $218,000 | 10,450 |
| Premises and equipment expense | $76,000 | 9,545 |
| Additional noninterest expense | $387,000 | 7,467 |
| Pre-tax net operating income | $-570,000 | 10,764 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-570,000 | 10,775 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-570,000 | 10,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-570,000 | 10,760 |
* 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.