Home > Vineyard Bank > Income and Expense
Vineyard Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $39,156,000 | 452 |
| Total interest expense | $27,921,000 | 236 |
| Net interest income | $11,235,000 | 958 |
| Provision for loan and lease losses | $112,500,000 | 89 |
| Total noninterest income | $-27,700,000 | 8,189 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $544,000 | 1,537 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-28,244,000 | 8,199 |
| Total noninterest expense | $29,324,000 | 395 |
| Salaries and employee benefits | $9,890,000 | 512 |
| Premises and equipment expense | $4,389,000 | 328 |
| Additional noninterest expense | $15,045,000 | 330 |
| Pre-tax net operating income | $-158,289,000 | 8,164 |
| Securities gains (losses) | $6,349,000 | 78 |
| Applicable income taxes | $-525,000 | 7,593 |
| Income before extraordinary items | $-151,415,000 | 8,161 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-151,415,000 | 8,160 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-151,415,000 | 8,160 |
| Net charge-offs | $53,281,000 | 117 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-157,764,000 | 8,162 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $22,493,000 | 402 |
| Total interest expense | $14,824,000 | 236 |
| Net interest income | $7,669,000 | 695 |
| Provision for loan and lease losses | $51,000,000 | 101 |
| Total noninterest income | $-13,633,000 | 8,241 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $291,000 | 1,418 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-13,924,000 | 8,251 |
| Total noninterest expense | $13,149,000 | 408 |
| Salaries and employee benefits | $5,547,000 | 451 |
| Premises and equipment expense | $2,222,000 | 331 |
| Additional noninterest expense | $5,380,000 | 360 |
| Pre-tax net operating income | $-70,113,000 | 8,212 |
| Securities gains (losses) | $6,349,000 | 55 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-63,764,000 | 8,206 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-63,764,000 | 8,206 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-63,764,000 | 8,206 |
| Net charge-offs | $40,756,000 | 84 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-70,113,000 | 8,210 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $138,926,000 | 299 |
| Total interest expense | $71,603,000 | 243 |
| Net interest income | $67,323,000 | 342 |
| Provision for loan and lease losses | $108,762,000 | 110 |
| Total noninterest income | $-12,170,000 | 8,289 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,274,000 | 1,409 |
| Trading account gains and fees | $-268,000 | 8,223 |
| Additional Noninterest Income | $-13,176,000 | 8,302 |
| Total noninterest expense | $61,591,000 | 357 |
| Salaries and employee benefits | $24,350,000 | 397 |
| Premises and equipment expense | $11,668,000 | 239 |
| Additional noninterest expense | $25,573,000 | 333 |
| Pre-tax net operating income | $-115,200,000 | 8,246 |
| Securities gains (losses) | $-5,118,000 | 8,089 |
| Applicable income taxes | $6,234,000 | 267 |
| Income before extraordinary items | $-126,552,000 | 8,240 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-126,552,000 | 8,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,337,000 | 83 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-121,434,000 | 8,244 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $111,642,000 | 292 |
| Total interest expense | $54,687,000 | 251 |
| Net interest income | $56,955,000 | 318 |
| Provision for loan and lease losses | $88,762,000 | 102 |
| Total noninterest income | $-6,672,000 | 8,369 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $970,000 | 1,401 |
| Trading account gains and fees | $-268,000 | 8,313 |
| Additional Noninterest Income | $-7,374,000 | 8,382 |
| Total noninterest expense | $45,908,000 | 349 |
| Salaries and employee benefits | $18,385,000 | 412 |
| Premises and equipment expense | $9,160,000 | 230 |
| Additional noninterest expense | $18,363,000 | 320 |
| Pre-tax net operating income | $-84,387,000 | 8,346 |
| Securities gains (losses) | $-5,643,000 | 8,231 |
| Applicable income taxes | $6,224,000 | 264 |
| Income before extraordinary items | $-96,254,000 | 8,344 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-96,254,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,820,000 | 86 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-90,611,000 | 8,346 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $79,915,000 | 278 |
| Total interest expense | $36,712,000 | 263 |
| Net interest income | $43,203,000 | 296 |
| Provision for loan and lease losses | $67,400,000 | 93 |
| Total noninterest income | $-4,424,000 | 8,439 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $608,000 | 1,458 |
| Trading account gains and fees | $-424,000 | 8,402 |
| Additional Noninterest Income | $-4,608,000 | 8,452 |
| Total noninterest expense | $29,782,000 | 359 |
| Salaries and employee benefits | $12,967,000 | 391 |
| Premises and equipment expense | $5,183,000 | 289 |
| Additional noninterest expense | $11,632,000 | 329 |
| Pre-tax net operating income | $-58,403,000 | 8,418 |
| Securities gains (losses) | $-5,447,000 | 8,419 |
| Applicable income taxes | $8,655,000 | 170 |
| Income before extraordinary items | $-72,505,000 | 8,420 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-72,505,000 | 8,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,074,000 | 74 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-67,058,000 | 8,419 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $42,604,000 | 276 |
| Total interest expense | $19,244,000 | 278 |
| Net interest income | $23,360,000 | 275 |
| Provision for loan and lease losses | $26,900,000 | 97 |
| Total noninterest income | $-3,734,000 | 8,481 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $318,000 | 1,378 |
| Trading account gains and fees | $-452,000 | 8,456 |
| Additional Noninterest Income | $-3,600,000 | 8,493 |
| Total noninterest expense | $15,176,000 | 341 |
| Salaries and employee benefits | $6,784,000 | 381 |
| Premises and equipment expense | $2,642,000 | 280 |
| Additional noninterest expense | $5,750,000 | 317 |
| Pre-tax net operating income | $-22,450,000 | 8,468 |
| Securities gains (losses) | $12,000 | 1,897 |
| Applicable income taxes | $-12,298,000 | 8,473 |
| Income before extraordinary items | $-10,140,000 | 8,451 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-10,140,000 | 8,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,527,000 | 75 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-10,147,680 | 8,450 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $189,164,000 | 259 |
| Total interest expense | $83,596,000 | 269 |
| Net interest income | $105,568,000 | 240 |
| Provision for loan and lease losses | $38,400,000 | 104 |
| Total noninterest income | $1,857,000 | 2,336 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,376,000 | 1,294 |
| Trading account gains and fees | $268,000 | 97 |
| Additional Noninterest Income | $213,000 | 4,937 |
| Total noninterest expense | $93,356,000 | 235 |
| Salaries and employee benefits | $28,418,000 | 358 |
| Premises and equipment expense | $9,818,000 | 290 |
| Additional noninterest expense | $55,120,000 | 169 |
| Pre-tax net operating income | $-24,331,000 | 8,509 |
| Securities gains (losses) | $3,000 | 1,730 |
| Applicable income taxes | $6,454,000 | 446 |
| Income before extraordinary items | $-30,782,000 | 8,511 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-30,782,000 | 8,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,240,000 | 188 |
| Cash dividends | $18,000,000 | 269 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-30,785,000 | 8,508 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $140,813,000 | 259 |
| Total interest expense | $61,867,000 | 274 |
| Net interest income | $78,946,000 | 239 |
| Provision for loan and lease losses | $2,700,000 | 410 |
| Total noninterest income | $3,287,000 | 1,202 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,002,000 | 1,313 |
| Trading account gains and fees | $504,000 | 82 |
| Additional Noninterest Income | $1,781,000 | 1,220 |
| Total noninterest expense | $39,032,000 | 390 |
| Salaries and employee benefits | $21,618,000 | 351 |
| Premises and equipment expense | $7,359,000 | 287 |
| Additional noninterest expense | $10,055,000 | 450 |
| Pre-tax net operating income | $40,501,000 | 231 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $16,650,000 | 195 |
| Income before extraordinary items | $23,851,000 | 273 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $23,851,000 | 271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,363 |
| Cash dividends | $18,000,000 | 216 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $23,851,000 | 270 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $92,335,000 | 271 |
| Total interest expense | $40,391,000 | 286 |
| Net interest income | $51,944,000 | 255 |
| Provision for loan and lease losses | $1,700,000 | 371 |
| Total noninterest income | $2,575,000 | 1,095 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $672,000 | 1,317 |
| Trading account gains and fees | $298,000 | 92 |
| Additional Noninterest Income | $1,605,000 | 995 |
| Total noninterest expense | $25,412,000 | 407 |
| Salaries and employee benefits | $14,248,000 | 365 |
| Premises and equipment expense | $4,848,000 | 300 |
| Additional noninterest expense | $6,316,000 | 478 |
| Pre-tax net operating income | $27,407,000 | 251 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $11,262,000 | 210 |
| Income before extraordinary items | $16,145,000 | 284 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $16,145,000 | 283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 1,743 |
| Cash dividends | $18,000,000 | 181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $16,145,000 | 282 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $45,042,000 | 277 |
| Total interest expense | $19,503,000 | 290 |
| Net interest income | $25,539,000 | 258 |
| Provision for loan and lease losses | $1,200,000 | 257 |
| Total noninterest income | $1,089,000 | 1,219 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $367,000 | 1,173 |
| Trading account gains and fees | $107,000 | 111 |
| Additional Noninterest Income | $615,000 | 1,176 |
| Total noninterest expense | $12,318,000 | 416 |
| Salaries and employee benefits | $7,113,000 | 372 |
| Premises and equipment expense | $2,417,000 | 298 |
| Additional noninterest expense | $2,788,000 | 514 |
| Pre-tax net operating income | $13,110,000 | 265 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $5,401,000 | 218 |
| Income before extraordinary items | $7,709,000 | 307 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $7,709,000 | 306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,557 |
| Cash dividends | $18,000,000 | 97 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $7,709,000 | 303 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $158,315,000 | 293 |
| Total interest expense | $64,892,000 | 299 |
| Net interest income | $93,423,000 | 271 |
| Provision for loan and lease losses | $4,125,000 | 292 |
| Total noninterest income | $4,627,000 | 1,169 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,250,000 | 1,433 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,377,000 | 916 |
| Total noninterest expense | $46,912,000 | 414 |
| Salaries and employee benefits | $26,323,000 | 377 |
| Premises and equipment expense | $9,096,000 | 286 |
| Additional noninterest expense | $11,493,000 | 498 |
| Pre-tax net operating income | $47,013,000 | 289 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $19,558,000 | 239 |
| Income before extraordinary items | $27,455,000 | 334 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $27,455,000 | 332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,698 |
| Cash dividends | $15,000,000 | 290 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $27,455,000 | 329 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $113,464,000 | 311 |
| Total interest expense | $46,014,000 | 312 |
| Net interest income | $67,450,000 | 298 |
| Provision for loan and lease losses | $3,075,000 | 267 |
| Total noninterest income | $3,319,000 | 1,213 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $864,000 | 1,549 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,455,000 | 950 |
| Total noninterest expense | $33,610,000 | 440 |
| Salaries and employee benefits | $18,774,000 | 403 |
| Premises and equipment expense | $6,550,000 | 313 |
| Additional noninterest expense | $8,286,000 | 522 |
| Pre-tax net operating income | $34,084,000 | 318 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $14,230,000 | 260 |
| Income before extraordinary items | $19,854,000 | 362 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $19,854,000 | 361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,551 |
| Cash dividends | $15,000,000 | 235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $19,854,000 | 356 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $72,539,000 | 319 |
| Total interest expense | $29,211,000 | 317 |
| Net interest income | $43,328,000 | 311 |
| Provision for loan and lease losses | $1,900,000 | 286 |
| Total noninterest income | $2,294,000 | 1,183 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $455,000 | 1,880 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,839,000 | 882 |
| Total noninterest expense | $21,156,000 | 478 |
| Salaries and employee benefits | $11,746,000 | 433 |
| Premises and equipment expense | $4,174,000 | 328 |
| Additional noninterest expense | $5,236,000 | 536 |
| Pre-tax net operating income | $22,566,000 | 320 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $9,454,000 | 263 |
| Income before extraordinary items | $13,112,000 | 358 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $13,112,000 | 357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,256 |
| Cash dividends | $15,000,000 | 176 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $13,112,000 | 352 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $34,246,000 | 324 |
| Total interest expense | $13,486,000 | 319 |
| Net interest income | $20,760,000 | 315 |
| Provision for loan and lease losses | $1,200,000 | 226 |
| Total noninterest income | $712,000 | 1,672 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $146,000 | 2,652 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $566,000 | 1,227 |
| Total noninterest expense | $10,147,000 | 485 |
| Salaries and employee benefits | $5,759,000 | 436 |
| Premises and equipment expense | $2,075,000 | 329 |
| Additional noninterest expense | $2,313,000 | 609 |
| Pre-tax net operating income | $10,125,000 | 334 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $4,251,000 | 284 |
| Income before extraordinary items | $5,874,000 | 385 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,874,000 | 383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,413 |
| Cash dividends | $15,000,000 | 99 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $5,874,000 | 379 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $110,852,000 | 337 |
| Total interest expense | $37,625,000 | 344 |
| Net interest income | $73,227,000 | 338 |
| Provision for loan and lease losses | $1,886,000 | 567 |
| Total noninterest income | $4,482,000 | 1,174 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,034,000 | 1,673 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,448,000 | 911 |
| Total noninterest expense | $34,843,000 | 523 |
| Salaries and employee benefits | $19,691,000 | 478 |
| Premises and equipment expense | $7,052,000 | 360 |
| Additional noninterest expense | $8,100,000 | 663 |
| Pre-tax net operating income | $40,980,000 | 318 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $17,036,000 | 271 |
| Income before extraordinary items | $23,944,000 | 368 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $23,944,000 | 369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,452 |
| Cash dividends | $11,000,000 | 358 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $23,944,000 | 361 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $78,551,000 | 347 |
| Total interest expense | $25,896,000 | 352 |
| Net interest income | $52,655,000 | 347 |
| Provision for loan and lease losses | $1,186,000 | 646 |
| Total noninterest income | $3,544,000 | 1,138 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $901,000 | 1,438 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,643,000 | 910 |
| Total noninterest expense | $23,968,000 | 561 |
| Salaries and employee benefits | $13,232,000 | 520 |
| Premises and equipment expense | $4,983,000 | 381 |
| Additional noninterest expense | $5,753,000 | 689 |
| Pre-tax net operating income | $31,045,000 | 319 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $13,040,000 | 275 |
| Income before extraordinary items | $18,005,000 | 368 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $18,005,000 | 369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,542 |
| Cash dividends | $11,000,000 | 274 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $18,005,000 | 359 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $48,748,000 | 353 |
| Total interest expense | $15,260,000 | 362 |
| Net interest income | $33,488,000 | 355 |
| Provision for loan and lease losses | $705,000 | 710 |
| Total noninterest income | $2,051,000 | 1,242 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $650,000 | 1,321 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,401,000 | 1,057 |
| Total noninterest expense | $15,157,000 | 581 |
| Salaries and employee benefits | $8,375,000 | 545 |
| Premises and equipment expense | $3,085,000 | 399 |
| Additional noninterest expense | $3,697,000 | 708 |
| Pre-tax net operating income | $19,677,000 | 330 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,264,000 | 283 |
| Income before extraordinary items | $11,413,000 | 374 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $11,413,000 | 374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,245 |
| Cash dividends | $11,000,000 | 188 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $11,413,000 | 365 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $22,692,000 | 366 |
| Total interest expense | $6,616,000 | 388 |
| Net interest income | $16,076,000 | 361 |
| Provision for loan and lease losses | $-96,000 | 8,828 |
| Total noninterest income | $881,000 | 1,386 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $300,000 | 1,373 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $581,000 | 1,197 |
| Total noninterest expense | $7,573,000 | 583 |
| Salaries and employee benefits | $4,348,000 | 519 |
| Premises and equipment expense | $1,474,000 | 414 |
| Additional noninterest expense | $1,751,000 | 728 |
| Pre-tax net operating income | $9,480,000 | 331 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,981,000 | 283 |
| Income before extraordinary items | $5,499,000 | 376 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $5,499,000 | 376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $6,000,000 | 152 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $5,499,000 | 369 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $75,045,000 | 398 |
| Total interest expense | $18,739,000 | 452 |
| Net interest income | $56,306,000 | 390 |
| Provision for loan and lease losses | $4,881,000 | 255 |
| Total noninterest income | $4,735,000 | 1,131 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,416,000 | 1,257 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,319,000 | 913 |
| Total noninterest expense | $27,769,000 | 609 |
| Salaries and employee benefits | $16,006,000 | 544 |
| Premises and equipment expense | $4,601,000 | 511 |
| Additional noninterest expense | $7,162,000 | 724 |
| Pre-tax net operating income | $28,391,000 | 387 |
| Securities gains (losses) | $388,000 | 533 |
| Applicable income taxes | $11,800,000 | 335 |
| Income before extraordinary items | $16,979,000 | 433 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $16,979,000 | 434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 2,147 |
| Cash dividends | $4,000,000 | 755 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $16,730,680 | 429 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $53,543,000 | 411 |
| Total interest expense | $13,079,000 | 470 |
| Net interest income | $40,464,000 | 398 |
| Provision for loan and lease losses | $4,150,000 | 238 |
| Total noninterest income | $3,611,000 | 1,122 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,091,000 | 1,235 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,520,000 | 915 |
| Total noninterest expense | $19,889,000 | 626 |
| Salaries and employee benefits | $11,190,000 | 575 |
| Premises and equipment expense | $3,316,000 | 530 |
| Additional noninterest expense | $5,383,000 | 718 |
| Pre-tax net operating income | $20,036,000 | 398 |
| Securities gains (losses) | $207,000 | 753 |
| Applicable income taxes | $8,299,000 | 347 |
| Income before extraordinary items | $11,944,000 | 454 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $11,944,000 | 454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 1,666 |
| Cash dividends | $4,000,000 | 547 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $11,811,520 | 444 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $33,233,000 | 437 |
| Total interest expense | $7,894,000 | 505 |
| Net interest income | $25,339,000 | 415 |
| Provision for loan and lease losses | $2,802,000 | 239 |
| Total noninterest income | $2,220,000 | 1,184 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $732,000 | 1,206 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,488,000 | 1,000 |
| Total noninterest expense | $12,306,000 | 664 |
| Salaries and employee benefits | $6,372,000 | 659 |
| Premises and equipment expense | $2,066,000 | 548 |
| Additional noninterest expense | $3,868,000 | 671 |
| Pre-tax net operating income | $12,451,000 | 415 |
| Securities gains (losses) | $207,000 | 637 |
| Applicable income taxes | $5,189,000 | 369 |
| Income before extraordinary items | $7,469,000 | 478 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,469,000 | 478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 1,184 |
| Cash dividends | $4,000,000 | 394 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $7,336,520 | 460 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $15,179,000 | 478 |
| Total interest expense | $3,577,000 | 572 |
| Net interest income | $11,602,000 | 449 |
| Provision for loan and lease losses | $1,769,000 | 208 |
| Total noninterest income | $1,388,000 | 970 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $341,000 | 1,259 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,047,000 | 763 |
| Total noninterest expense | $5,467,000 | 740 |
| Salaries and employee benefits | $3,029,000 | 712 |
| Premises and equipment expense | $957,000 | 614 |
| Additional noninterest expense | $1,481,000 | 830 |
| Pre-tax net operating income | $5,754,000 | 433 |
| Securities gains (losses) | $207,000 | 489 |
| Applicable income taxes | $2,444,000 | 388 |
| Income before extraordinary items | $3,517,000 | 509 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,517,000 | 508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,384,520 | 492 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $39,537,000 | 705 |
| Total interest expense | $9,969,000 | 891 |
| Net interest income | $29,568,000 | 641 |
| Provision for loan and lease losses | $3,710,000 | 406 |
| Total noninterest income | $3,579,000 | 1,464 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,231,000 | 1,407 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,348,000 | 1,296 |
| Total noninterest expense | $15,840,000 | 1,034 |
| Salaries and employee benefits | $8,706,000 | 991 |
| Premises and equipment expense | $2,606,000 | 856 |
| Additional noninterest expense | $4,528,000 | 1,123 |
| Pre-tax net operating income | $13,597,000 | 652 |
| Securities gains (losses) | $2,137,000 | 283 |
| Applicable income taxes | $6,451,000 | 505 |
| Income before extraordinary items | $9,283,000 | 707 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,283,000 | 709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,591 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,915,320 | 771 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $26,204,000 | 835 |
| Total interest expense | $6,785,000 | 1,030 |
| Net interest income | $19,419,000 | 738 |
| Provision for loan and lease losses | $2,210,000 | 490 |
| Total noninterest income | $2,650,000 | 1,511 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $951,000 | 1,374 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,699,000 | 1,400 |
| Total noninterest expense | $10,698,000 | 1,147 |
| Salaries and employee benefits | $5,634,000 | 1,128 |
| Premises and equipment expense | $1,722,000 | 1,007 |
| Additional noninterest expense | $3,342,000 | 1,140 |
| Pre-tax net operating income | $9,161,000 | 745 |
| Securities gains (losses) | $1,571,000 | 328 |
| Applicable income taxes | $4,400,000 | 564 |
| Income before extraordinary items | $6,332,000 | 803 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,332,000 | 804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,148 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,326,560 | 881 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,212,000 | 953 |
| Total interest expense | $4,020,000 | 1,187 |
| Net interest income | $11,192,000 | 870 |
| Provision for loan and lease losses | $1,750,000 | 428 |
| Total noninterest income | $1,751,000 | 1,515 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $575,000 | 1,494 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,176,000 | 1,354 |
| Total noninterest expense | $6,458,000 | 1,261 |
| Salaries and employee benefits | $3,302,000 | 1,316 |
| Premises and equipment expense | $983,000 | 1,160 |
| Additional noninterest expense | $2,173,000 | 1,154 |
| Pre-tax net operating income | $4,735,000 | 928 |
| Securities gains (losses) | $1,571,000 | 267 |
| Applicable income taxes | $2,586,000 | 625 |
| Income before extraordinary items | $3,720,000 | 911 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,720,000 | 912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,628 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,714,560 | 1,137 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,630,000 | 1,112 |
| Total interest expense | $1,760,000 | 1,399 |
| Net interest income | $4,870,000 | 991 |
| Provision for loan and lease losses | $500,000 | 617 |
| Total noninterest income | $737,000 | 1,702 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $284,000 | 1,467 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $453,000 | 1,587 |
| Total noninterest expense | $3,113,000 | 1,301 |
| Salaries and employee benefits | $1,709,000 | 1,259 |
| Premises and equipment expense | $436,000 | 1,322 |
| Additional noninterest expense | $968,000 | 1,260 |
| Pre-tax net operating income | $1,994,000 | 1,088 |
| Securities gains (losses) | $599,000 | 307 |
| Applicable income taxes | $1,063,000 | 755 |
| Income before extraordinary items | $1,530,000 | 1,084 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,530,000 | 1,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,558 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,146,640 | 1,333 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,169,000 | 1,604 |
| Total interest expense | $4,793,000 | 2,329 |
| Net interest income | $14,376,000 | 1,343 |
| Provision for loan and lease losses | $1,430,000 | 987 |
| Total noninterest income | $2,622,000 | 1,737 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,252,000 | 1,296 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,370,000 | 1,773 |
| Total noninterest expense | $9,987,000 | 1,547 |
| Salaries and employee benefits | $5,054,000 | 1,602 |
| Premises and equipment expense | $1,658,000 | 1,324 |
| Additional noninterest expense | $3,275,000 | 1,449 |
| Pre-tax net operating income | $5,581,000 | 1,487 |
| Securities gains (losses) | $1,285,000 | 362 |
| Applicable income taxes | $2,817,000 | 975 |
| Income before extraordinary items | $4,049,000 | 1,513 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,049,000 | 1,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,640 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,226,600 | 1,786 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,601,000 | 2,919 |
| Total interest expense | $3,292,000 | 4,399 |
| Net interest income | $8,309,000 | 2,152 |
| Provision for loan and lease losses | $773,000 | 1,542 |
| Total noninterest income | $2,186,000 | 1,880 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,302,000 | 1,135 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $884,000 | 2,232 |
| Total noninterest expense | $8,222,000 | 1,769 |
| Salaries and employee benefits | $4,224,000 | 1,780 |
| Premises and equipment expense | $1,286,000 | 1,677 |
| Additional noninterest expense | $2,712,000 | 1,698 |
| Pre-tax net operating income | $1,500,000 | 3,861 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $137,000 | 5,593 |
| Income before extraordinary items | $1,369,000 | 3,457 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,369,000 | 3,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,941 |
| Cash dividends | $150,000 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,363,540 | 3,372 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,071,000 | 3,699 |
| Total interest expense | $2,048,000 | 6,199 |
| Net interest income | $7,023,000 | 2,538 |
| Provision for loan and lease losses | $256,000 | 3,180 |
| Total noninterest income | $1,487,000 | 2,363 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,210,000 | 1,122 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $277,000 | 4,085 |
| Total noninterest expense | $7,186,000 | 1,938 |
| Salaries and employee benefits | $3,325,000 | 2,151 |
| Premises and equipment expense | $1,169,000 | 1,794 |
| Additional noninterest expense | $2,692,000 | 1,653 |
| Pre-tax net operating income | $1,068,000 | 5,094 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $449,000 | 3,743 |
| Income before extraordinary items | $619,000 | 5,755 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $619,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,140 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $619,000 | 5,759 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,179,000 | 3,475 |
| Total interest expense | $2,204,000 | 5,648 |
| Net interest income | $6,975,000 | 2,521 |
| Provision for loan and lease losses | $166,000 | 4,030 |
| Total noninterest income | $1,719,000 | 2,076 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,388,000 | 954 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $331,000 | 3,796 |
| Total noninterest expense | $8,565,000 | 1,604 |
| Salaries and employee benefits | $3,766,000 | 1,850 |
| Premises and equipment expense | $1,223,000 | 1,672 |
| Additional noninterest expense | $3,576,000 | 1,285 |
| Pre-tax net operating income | $-37,000 | 9,470 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-12,000 | 9,682 |
| Income before extraordinary items | $-25,000 | 9,478 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-25,000 | 9,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,806 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-25,000 | 9,454 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,435,000 | 3,403 |
| Total interest expense | $2,552,000 | 5,287 |
| Net interest income | $6,883,000 | 2,464 |
| Provision for loan and lease losses | $143,000 | 4,290 |
| Total noninterest income | $1,640,000 | 2,126 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,339,000 | 925 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $301,000 | 4,018 |
| Total noninterest expense | $7,680,000 | 1,701 |
| Salaries and employee benefits | $3,506,000 | 1,897 |
| Premises and equipment expense | $1,297,000 | 1,514 |
| Additional noninterest expense | $2,877,000 | 1,500 |
| Pre-tax net operating income | $700,000 | 6,477 |
| Securities gains (losses) | $49,000 | 1,746 |
| Applicable income taxes | $306,000 | 5,120 |
| Income before extraordinary items | $443,000 | 6,969 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $443,000 | 6,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,892 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $411,640 | 7,047 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,302,000 | 3,477 |
| Total interest expense | $2,942,000 | 4,804 |
| Net interest income | $6,360,000 | 2,734 |
| Provision for loan and lease losses | $144,000 | 4,243 |
| Total noninterest income | $1,602,000 | 2,088 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,407,000 | 901 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $195,000 | 5,022 |
| Total noninterest expense | $7,284,000 | 1,781 |
| Salaries and employee benefits | $3,586,000 | 1,821 |
| Premises and equipment expense | $1,188,000 | 1,650 |
| Additional noninterest expense | $2,510,000 | 1,688 |
| Pre-tax net operating income | $534,000 | 7,738 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $133,000 | 7,866 |
| Income before extraordinary items | $404,000 | 7,607 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $404,000 | 7,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,726 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $401,750 | 7,570 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,011,000 | 3,614 |
| Total interest expense | $2,861,000 | 4,986 |
| Net interest income | $6,150,000 | 2,887 |
| Provision for loan and lease losses | $417,000 | 2,027 |
| Total noninterest income | $1,831,000 | 1,983 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,384,000 | 958 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $447,000 | 3,155 |
| Total noninterest expense | $7,433,000 | 1,903 |
| Salaries and employee benefits | $3,503,000 | 1,884 |
| Premises and equipment expense | $1,362,000 | 1,487 |
| Additional noninterest expense | $2,568,000 | 1,964 |
| Pre-tax net operating income | $131,000 | 10,205 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $28,000 | 10,061 |
| Income before extraordinary items | $105,000 | 10,174 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $105,000 | 10,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 1,491 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $103,420 | 10,138 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,569,000 | 3,774 |
| Total interest expense | $2,399,000 | 5,742 |
| Net interest income | $6,170,000 | 2,888 |
| Provision for loan and lease losses | $-429,000 | 11,895 |
| Total noninterest income | $3,905,000 | 1,138 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,529,000 | 869 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,376,000 | 1,017 |
| Total noninterest expense | $9,078,000 | 1,571 |
| Salaries and employee benefits | $3,991,000 | 1,660 |
| Premises and equipment expense | $1,900,000 | 1,115 |
| Additional noninterest expense | $3,187,000 | 1,618 |
| Pre-tax net operating income | $1,426,000 | 4,631 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $584,000 | 3,727 |
| Income before extraordinary items | $834,000 | 5,286 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $834,000 | 5,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-198,000 | 11,854 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $839,120 | 5,246 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,473,000 | 3,538 |
| Total interest expense | $1,917,000 | 5,801 |
| Net interest income | $6,556,000 | 2,764 |
| Provision for loan and lease losses | $1,440,000 | 727 |
| Total noninterest income | $2,838,000 | 1,427 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,651,000 | 796 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,187,000 | 1,635 |
| Total noninterest expense | $9,830,000 | 1,498 |
| Salaries and employee benefits | $4,090,000 | 1,635 |
| Premises and equipment expense | $1,893,000 | 1,120 |
| Additional noninterest expense | $3,847,000 | 1,457 |
| Pre-tax net operating income | $-1,876,000 | 12,518 |
| Securities gains (losses) | $-32,000 | 10,707 |
| Applicable income taxes | $-370,000 | 12,456 |
| Income before extraordinary items | $-1,538,000 | 12,471 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,538,000 | 12,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,733,000 | 621 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-1,512,080 | 12,471 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,515,000 | 3,252 |
| Total interest expense | $2,487,000 | 4,829 |
| Net interest income | $7,028,000 | 2,563 |
| Provision for loan and lease losses | $300,000 | 2,975 |
| Total noninterest income | $3,882,000 | 1,191 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,898,000 | 717 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,984,000 | 1,262 |
| Total noninterest expense | $10,080,000 | 1,517 |
| Salaries and employee benefits | $4,665,000 | 1,450 |
| Premises and equipment expense | $1,972,000 | 1,086 |
| Additional noninterest expense | $3,443,000 | 1,706 |
| Pre-tax net operating income | $530,000 | 8,451 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $144,000 | 8,778 |
| Income before extraordinary items | $388,000 | 8,555 |
| Extraordinary gains, net | $107,000 | 1,505 |
| Net income | $495,000 | 7,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $861,000 | 1,266 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $386,540 | 8,310 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,148,000 | 3,150 |
| Total interest expense | $3,728,000 | 4,321 |
| Net interest income | $7,420,000 | 2,442 |
| Provision for loan and lease losses | $2,352,000 | 1,018 |
| Total noninterest income | $3,966,000 | 1,147 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $2,036,000 | 668 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,930,000 | 1,276 |
| Total noninterest expense | $10,349,000 | 1,480 |
| Salaries and employee benefits | $4,491,000 | 1,477 |
| Premises and equipment expense | $2,103,000 | 1,067 |
| Additional noninterest expense | $3,755,000 | 1,666 |
| Pre-tax net operating income | $-1,315,000 | 13,545 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $-270,000 | 13,697 |
| Income before extraordinary items | $-1,044,000 | 13,565 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,044,000 | 13,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,495,000 | 1,192 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,044,790 | 13,493 |
* 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.