Home > Town Community Bank and Trust > Income and Expense
Town Community Bank and Trust, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,435,000 | 6,062 |
| Total interest expense | $1,954,000 | 4,520 |
| Net interest income | $1,481,000 | 6,929 |
| Provision for loan and lease losses | $2,204,000 | 2,357 |
| Total noninterest income | $79,000 | 7,161 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $57,000 | 6,369 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $22,000 | 6,913 |
| Total noninterest expense | $2,370,000 | 5,820 |
| Salaries and employee benefits | $943,000 | 6,363 |
| Premises and equipment expense | $321,000 | 5,492 |
| Additional noninterest expense | $1,106,000 | 4,956 |
| Pre-tax net operating income | $-3,014,000 | 6,894 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-3,014,000 | 6,997 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,014,000 | 6,996 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,014,000 | 6,996 |
| Net charge-offs | $4,443,000 | 1,250 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,014,000 | 6,999 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,681,000 | 6,034 |
| Total interest expense | $1,549,000 | 4,507 |
| Net interest income | $1,132,000 | 6,938 |
| Provision for loan and lease losses | $2,484,000 | 1,671 |
| Total noninterest income | $63,000 | 7,247 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $45,000 | 6,374 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $18,000 | 7,053 |
| Total noninterest expense | $1,747,000 | 5,884 |
| Salaries and employee benefits | $731,000 | 6,333 |
| Premises and equipment expense | $231,000 | 5,640 |
| Additional noninterest expense | $785,000 | 5,117 |
| Pre-tax net operating income | $-3,036,000 | 7,296 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-3,036,000 | 7,384 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,036,000 | 7,384 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,036,000 | 7,384 |
| Net charge-offs | $4,392,000 | 907 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,036,000 | 7,378 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 5,968 |
| Total interest expense | $1,104,000 | 4,450 |
| Net interest income | $789,000 | 6,870 |
| Provision for loan and lease losses | $1,357,000 | 1,739 |
| Total noninterest income | $40,000 | 7,345 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $28,000 | 6,462 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $12,000 | 7,161 |
| Total noninterest expense | $1,046,000 | 6,187 |
| Salaries and employee benefits | $500,000 | 6,340 |
| Premises and equipment expense | $149,000 | 5,767 |
| Additional noninterest expense | $397,000 | 5,845 |
| Pre-tax net operating income | $-1,574,000 | 7,264 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-1,574,000 | 7,354 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,574,000 | 7,353 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,574,000 | 7,352 |
| Net charge-offs | $3,242,000 | 805 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,574,000 | 7,355 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $990,000 | 5,898 |
| Total interest expense | $593,000 | 4,383 |
| Net interest income | $397,000 | 6,881 |
| Provision for loan and lease losses | $16,000 | 6,020 |
| Total noninterest income | $19,000 | 7,454 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $13,000 | 6,516 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $6,000 | 7,210 |
| Total noninterest expense | $524,000 | 6,154 |
| Salaries and employee benefits | $258,000 | 6,328 |
| Premises and equipment expense | $77,000 | 5,736 |
| Additional noninterest expense | $189,000 | 5,746 |
| Pre-tax net operating income | $-124,000 | 6,722 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-124,000 | 6,862 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-124,000 | 6,863 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-124,000 | 6,863 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-124,000 | 6,782 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,725,000 | 6,176 |
| Total interest expense | $2,132,000 | 5,156 |
| Net interest income | $1,593,000 | 6,883 |
| Provision for loan and lease losses | $3,373,000 | 1,294 |
| Total noninterest income | $87,000 | 7,431 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $64,000 | 6,437 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $23,000 | 7,344 |
| Total noninterest expense | $4,336,000 | 3,994 |
| Salaries and employee benefits | $932,000 | 6,579 |
| Premises and equipment expense | $314,000 | 5,679 |
| Additional noninterest expense | $3,090,000 | 1,964 |
| Pre-tax net operating income | $-6,029,000 | 7,861 |
| Securities gains (losses) | $60,000 | 1,477 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-5,969,000 | 7,869 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,969,000 | 7,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-6,029,000 | 7,917 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,631,000 | 6,374 |
| Total interest expense | $1,501,000 | 5,428 |
| Net interest income | $1,130,000 | 7,047 |
| Provision for loan and lease losses | $510,000 | 2,701 |
| Total noninterest income | $64,000 | 7,573 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $47,000 | 6,503 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $17,000 | 7,516 |
| Total noninterest expense | $1,296,000 | 6,582 |
| Salaries and employee benefits | $649,000 | 6,741 |
| Premises and equipment expense | $199,000 | 6,121 |
| Additional noninterest expense | $448,000 | 6,193 |
| Pre-tax net operating income | $-612,000 | 7,326 |
| Securities gains (losses) | $60,000 | 1,302 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-552,000 | 7,227 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-552,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-612,000 | 7,396 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,619,000 | 6,609 |
| Total interest expense | $924,000 | 5,762 |
| Net interest income | $695,000 | 7,219 |
| Provision for loan and lease losses | $203,000 | 3,126 |
| Total noninterest income | $42,000 | 7,656 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $32,000 | 6,500 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $10,000 | 7,678 |
| Total noninterest expense | $825,000 | 6,724 |
| Salaries and employee benefits | $426,000 | 6,834 |
| Premises and equipment expense | $128,000 | 6,236 |
| Additional noninterest expense | $271,000 | 6,445 |
| Pre-tax net operating income | $-291,000 | 7,429 |
| Securities gains (losses) | $60,000 | 1,307 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-231,000 | 7,446 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-231,000 | 7,446 |
| 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 | $-291,000 | 7,493 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $759,000 | 6,818 |
| Total interest expense | $431,000 | 6,104 |
| Net interest income | $328,000 | 7,363 |
| Provision for loan and lease losses | $82,000 | 3,030 |
| Total noninterest income | $20,000 | 7,703 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $15,000 | 6,545 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,000 | 7,707 |
| Total noninterest expense | $397,000 | 6,836 |
| Salaries and employee benefits | $213,000 | 6,865 |
| Premises and equipment expense | $65,000 | 6,253 |
| Additional noninterest expense | $119,000 | 6,738 |
| Pre-tax net operating income | $-131,000 | 7,634 |
| Securities gains (losses) | $60,000 | 983 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-71,000 | 7,573 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-71,000 | 7,572 |
| 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 | $-131,000 | 7,687 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,294,000 | 7,342 |
| Total interest expense | $1,115,000 | 6,992 |
| Net interest income | $1,179,000 | 7,528 |
| Provision for loan and lease losses | $148,000 | 4,369 |
| Total noninterest income | $92,000 | 7,643 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $61,000 | 6,585 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $31,000 | 7,517 |
| Total noninterest expense | $1,642,000 | 6,710 |
| Salaries and employee benefits | $817,000 | 6,926 |
| Premises and equipment expense | $223,000 | 6,509 |
| Additional noninterest expense | $602,000 | 6,112 |
| Pre-tax net operating income | $-519,000 | 7,827 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-519,000 | 7,894 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-519,000 | 7,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-519,000 | 7,882 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,552,000 | 7,545 |
| Total interest expense | $739,000 | 7,226 |
| Net interest income | $813,000 | 7,688 |
| Provision for loan and lease losses | $95,000 | 4,180 |
| Total noninterest income | $61,000 | 7,796 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $47,000 | 6,587 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $14,000 | 7,875 |
| Total noninterest expense | $1,204,000 | 6,745 |
| Salaries and employee benefits | $592,000 | 6,976 |
| Premises and equipment expense | $183,000 | 6,296 |
| Additional noninterest expense | $429,000 | 6,215 |
| Pre-tax net operating income | $-425,000 | 8,034 |
| Securities gains (losses) | $8,000 | 1,069 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-417,000 | 8,086 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-417,000 | 8,082 |
| 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 | $4,486,000 | 204 |
| Net operating income | $-425,000 | 8,080 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $956,000 | 7,705 |
| Total interest expense | $424,000 | 7,475 |
| Net interest income | $532,000 | 7,772 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $41,000 | 7,837 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $31,000 | 6,626 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $10,000 | 7,880 |
| Total noninterest expense | $816,000 | 6,761 |
| Salaries and employee benefits | $392,000 | 7,046 |
| Premises and equipment expense | $124,000 | 6,285 |
| Additional noninterest expense | $300,000 | 6,117 |
| Pre-tax net operating income | $-303,000 | 8,160 |
| Securities gains (losses) | $8,000 | 912 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-295,000 | 8,199 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-295,000 | 8,198 |
| 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 | $4,486,000 | 150 |
| Net operating income | $-303,000 | 8,195 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $446,000 | 7,833 |
| Total interest expense | $190,000 | 7,660 |
| Net interest income | $256,000 | 7,879 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $18,000 | 7,949 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $400,000 | 6,831 |
| Salaries and employee benefits | $191,000 | 7,152 |
| Premises and equipment expense | $55,000 | 6,603 |
| Additional noninterest expense | $154,000 | 6,053 |
| Pre-tax net operating income | $-156,000 | 8,238 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-156,000 | 8,274 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-156,000 | 8,273 |
| 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 | $-156,000 | 8,263 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $834,000 | 8,381 |
| Total interest expense | $412,000 | 8,069 |
| Net interest income | $422,000 | 8,477 |
| Provision for loan and lease losses | $80,000 | 5,017 |
| Total noninterest income | $39,000 | 8,297 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $30,000 | 7,164 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $9,000 | 8,284 |
| Total noninterest expense | $834,000 | 7,968 |
| Salaries and employee benefits | $428,000 | 8,080 |
| Premises and equipment expense | $100,000 | 7,794 |
| Additional noninterest expense | $306,000 | 7,552 |
| Pre-tax net operating income | $-453,000 | 8,235 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-453,000 | 8,269 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-453,000 | 8,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-453,000 | 8,266 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $368,000 | 8,604 |
| Total interest expense | $197,000 | 8,402 |
| Net interest income | $171,000 | 8,660 |
| Provision for loan and lease losses | $35,000 | 5,538 |
| Total noninterest income | $21,000 | 8,448 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $17,000 | 7,322 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,000 | 8,464 |
| Total noninterest expense | $444,000 | 8,349 |
| Salaries and employee benefits | $201,000 | 8,474 |
| Premises and equipment expense | $51,000 | 8,209 |
| Additional noninterest expense | $192,000 | 7,845 |
| Pre-tax net operating income | $-287,000 | 8,342 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-287,000 | 8,367 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-287,000 | 8,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-287,000 | 8,360 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $49,000 | 8,764 |
| Total interest expense | $24,000 | 8,676 |
| Net interest income | $25,000 | 8,765 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $4,000 | 8,635 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,582 |
| Total noninterest expense | $41,000 | 8,762 |
| Salaries and employee benefits | $21,000 | 8,748 |
| Premises and equipment expense | $4,000 | 8,729 |
| Additional noninterest expense | $16,000 | 8,760 |
| Pre-tax net operating income | $-12,000 | 8,204 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-12,000 | 8,211 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-12,000 | 8,213 |
| 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 | $0 | 887 |
| Net operating income | $-12,000 | 8,199 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $283,000 | 8,302 |
| Total interest expense | $128,000 | 7,864 |
| Net interest income | $155,000 | 8,466 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $18,000 | 8,147 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,174 |
| Total noninterest expense | $201,000 | 8,064 |
| Salaries and employee benefits | $83,000 | 8,392 |
| Premises and equipment expense | $34,000 | 7,467 |
| Additional noninterest expense | $84,000 | 7,422 |
| Pre-tax net operating income | $-28,000 | 8,311 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-28,000 | 8,329 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-28,000 | 8,329 |
| 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 | $0 | 648 |
| Net operating income | $-28,000 | 8,314 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,071,000 | 8,271 |
| Total interest expense | $429,000 | 7,814 |
| Net interest income | $642,000 | 8,398 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $77,000 | 8,170 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $62,000 | 6,895 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,273 |
| Total noninterest expense | $733,000 | 8,185 |
| Salaries and employee benefits | $363,000 | 8,325 |
| Premises and equipment expense | $133,000 | 7,483 |
| Additional noninterest expense | $237,000 | 7,999 |
| Pre-tax net operating income | $-14,000 | 8,271 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-14,000 | 8,297 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-14,000 | 8,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-14,000 | 8,269 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $783,000 | 8,327 |
| Total interest expense | $304,000 | 7,861 |
| Net interest income | $479,000 | 8,451 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $57,000 | 8,222 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 6,939 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,325 |
| Total noninterest expense | $544,000 | 8,192 |
| Salaries and employee benefits | $275,000 | 8,287 |
| Premises and equipment expense | $96,000 | 7,530 |
| Additional noninterest expense | $173,000 | 8,041 |
| Pre-tax net operating income | $-8,000 | 8,343 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-8,000 | 8,354 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-8,000 | 8,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-8,000 | 8,328 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $505,000 | 8,368 |
| Total interest expense | $191,000 | 7,884 |
| Net interest income | $314,000 | 8,477 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $35,000 | 8,291 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $28,000 | 7,031 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $7,000 | 8,349 |
| Total noninterest expense | $367,000 | 8,183 |
| Salaries and employee benefits | $188,000 | 8,268 |
| Premises and equipment expense | $62,000 | 7,574 |
| Additional noninterest expense | $117,000 | 8,018 |
| Pre-tax net operating income | $-18,000 | 8,394 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-18,000 | 8,421 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-18,000 | 8,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-18,000 | 8,390 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $246,000 | 8,458 |
| Total interest expense | $89,000 | 7,975 |
| Net interest income | $157,000 | 8,562 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $15,000 | 8,445 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $191,000 | 8,196 |
| Salaries and employee benefits | $97,000 | 8,300 |
| Premises and equipment expense | $31,000 | 7,653 |
| Additional noninterest expense | $63,000 | 7,956 |
| Pre-tax net operating income | $-19,000 | 8,504 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-19,000 | 8,526 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-19,000 | 8,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-19,000 | 8,502 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $925,000 | 8,459 |
| Total interest expense | $300,000 | 8,108 |
| Net interest income | $625,000 | 8,524 |
| Provision for loan and lease losses | $8,000 | 7,099 |
| Total noninterest income | $58,000 | 8,518 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $49,000 | 7,312 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $9,000 | 8,564 |
| Total noninterest expense | $683,000 | 8,348 |
| Salaries and employee benefits | $350,000 | 8,463 |
| Premises and equipment expense | $91,000 | 8,085 |
| Additional noninterest expense | $242,000 | 8,038 |
| Pre-tax net operating income | $-8,000 | 8,408 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-8,000 | 8,444 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,000 | 8,446 |
| 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 | $0 | 872 |
| Net operating income | $-8,000 | 8,413 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $678,000 | 8,528 |
| Total interest expense | $216,000 | 8,180 |
| Net interest income | $462,000 | 8,579 |
| Provision for loan and lease losses | $8,000 | 6,855 |
| Total noninterest income | $41,000 | 8,591 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $36,000 | 7,361 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,693 |
| Total noninterest expense | $500,000 | 8,391 |
| Salaries and employee benefits | $252,000 | 8,505 |
| Premises and equipment expense | $70,000 | 8,048 |
| Additional noninterest expense | $178,000 | 8,065 |
| Pre-tax net operating income | $-5,000 | 8,482 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-5,000 | 8,514 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-5,000 | 8,517 |
| 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 | $0 | 738 |
| Net operating income | $-5,000 | 8,471 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $448,000 | 8,595 |
| Total interest expense | $141,000 | 8,266 |
| Net interest income | $307,000 | 8,628 |
| Provision for loan and lease losses | $8,000 | 6,484 |
| Total noninterest income | $24,000 | 8,711 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $21,000 | 7,495 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $329,000 | 8,461 |
| Salaries and employee benefits | $164,000 | 8,592 |
| Premises and equipment expense | $49,000 | 8,015 |
| Additional noninterest expense | $116,000 | 8,141 |
| Pre-tax net operating income | $-6,000 | 8,546 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-5,000 | 8,592 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,000 | 8,593 |
| 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 | $-6,000 | 8,546 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $223,000 | 8,646 |
| Total interest expense | $70,000 | 8,338 |
| Net interest income | $153,000 | 8,680 |
| Provision for loan and lease losses | $8,000 | 5,831 |
| Total noninterest income | $11,000 | 8,767 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $10,000 | 7,505 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $163,000 | 8,516 |
| Salaries and employee benefits | $82,000 | 8,625 |
| Premises and equipment expense | $25,000 | 8,017 |
| Additional noninterest expense | $56,000 | 8,253 |
| Pre-tax net operating income | $-7,000 | 8,592 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-7,000 | 8,636 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-7,000 | 8,636 |
| 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 | $-7,000 | 8,579 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $853,000 | 8,717 |
| Total interest expense | $274,000 | 8,544 |
| Net interest income | $579,000 | 8,721 |
| Provision for loan and lease losses | $13,000 | 7,258 |
| Total noninterest income | $56,000 | 8,741 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $48,000 | 7,468 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,000 | 8,827 |
| Total noninterest expense | $582,000 | 8,695 |
| Salaries and employee benefits | $311,000 | 8,734 |
| Premises and equipment expense | $62,000 | 8,594 |
| Additional noninterest expense | $209,000 | 8,385 |
| Pre-tax net operating income | $40,000 | 8,417 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $40,000 | 8,495 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $40,000 | 8,498 |
| 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 | $0 | 868 |
| Net operating income | $40,000 | 8,399 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $621,000 | 8,810 |
| Total interest expense | $202,000 | 8,661 |
| Net interest income | $419,000 | 8,816 |
| Provision for loan and lease losses | $7,000 | 7,290 |
| Total noninterest income | $43,000 | 8,796 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $37,000 | 7,509 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,000 | 8,884 |
| Total noninterest expense | $447,000 | 8,670 |
| Salaries and employee benefits | $224,000 | 8,790 |
| Premises and equipment expense | $63,000 | 8,316 |
| Additional noninterest expense | $160,000 | 8,372 |
| Pre-tax net operating income | $8,000 | 8,604 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $8,000 | 8,695 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $8,000 | 8,696 |
| 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 | $0 | 722 |
| Net operating income | $8,000 | 8,600 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $415,000 | 8,856 |
| Total interest expense | $132,000 | 8,751 |
| Net interest income | $283,000 | 8,843 |
| Provision for loan and lease losses | $7,000 | 6,972 |
| Total noninterest income | $32,000 | 8,760 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $27,000 | 7,445 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,000 | 8,823 |
| Total noninterest expense | $291,000 | 8,711 |
| Salaries and employee benefits | $145,000 | 8,843 |
| Premises and equipment expense | $42,000 | 8,327 |
| Additional noninterest expense | $104,000 | 8,393 |
| Pre-tax net operating income | $17,000 | 8,571 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $17,000 | 8,666 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $17,000 | 8,667 |
| 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 | $17,000 | 8,543 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $208,000 | 8,909 |
| Total interest expense | $64,000 | 8,843 |
| Net interest income | $144,000 | 8,885 |
| Provision for loan and lease losses | $7,000 | 6,361 |
| Total noninterest income | $15,000 | 8,812 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,514 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $144,000 | 8,783 |
| Salaries and employee benefits | $73,000 | 8,878 |
| Premises and equipment expense | $19,000 | 8,461 |
| Additional noninterest expense | $52,000 | 8,435 |
| Pre-tax net operating income | $8,000 | 8,597 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $8,000 | 8,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,000 | 8,656 |
| 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 | $8,000 | 8,552 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $785,000 | 9,013 |
| Total interest expense | $245,000 | 8,992 |
| Net interest income | $540,000 | 8,957 |
| Provision for loan and lease losses | $16,000 | 7,627 |
| Total noninterest income | $44,000 | 9,004 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $34,000 | 7,795 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,905 |
| Total noninterest expense | $517,000 | 8,959 |
| Salaries and employee benefits | $282,000 | 8,952 |
| Premises and equipment expense | $42,000 | 9,026 |
| Additional noninterest expense | $193,000 | 8,605 |
| Pre-tax net operating income | $51,000 | 8,471 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $52,000 | 8,542 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $52,000 | 8,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $51,000 | 8,465 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $620,000 | 9,372 |
| Total interest expense | $216,000 | 9,374 |
| Net interest income | $404,000 | 9,306 |
| Provision for loan and lease losses | $49,000 | 6,732 |
| Total noninterest income | $26,000 | 9,376 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $19,000 | 8,144 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $7,000 | 9,251 |
| Total noninterest expense | $479,000 | 9,224 |
| Salaries and employee benefits | $282,000 | 9,134 |
| Premises and equipment expense | $41,000 | 9,280 |
| Additional noninterest expense | $156,000 | 9,007 |
| Pre-tax net operating income | $-98,000 | 8,863 |
| Securities gains (losses) | $8,000 | 3,714 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-90,000 | 8,946 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-90,000 | 8,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-98,000 | 8,896 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $377,000 | 9,761 |
| Total interest expense | $94,000 | 9,751 |
| Net interest income | $283,000 | 9,715 |
| Provision for loan and lease losses | $21,000 | 7,573 |
| Total noninterest income | $5,000 | 9,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 8,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 9,788 |
| Total noninterest expense | $414,000 | 9,571 |
| Salaries and employee benefits | $246,000 | 9,475 |
| Premises and equipment expense | $28,000 | 9,695 |
| Additional noninterest expense | $140,000 | 9,325 |
| Pre-tax net operating income | $-147,000 | 9,292 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-24,000 | 9,393 |
| Income before extraordinary items | $-123,000 | 9,299 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-123,000 | 9,298 |
| 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 | $4,147,000 | 247 |
| Net operating income | $-123,000 | 9,293 |
* 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.