Home > Vineyard Bank > Income and Expense

Vineyard Bank, Income and Expense

2009-06-30 (YTD Data)Rank
Total interest income$39,156,000452
Total interest expense$27,921,000236
Net interest income$11,235,000958
Provision for loan and lease losses$112,500,00089
Total noninterest income$-27,700,0008,189
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$544,0001,537
Trading account gains and fees$0193
Additional Noninterest Income$-28,244,0008,199
Total noninterest expense$29,324,000395
Salaries and employee benefits$9,890,000512
Premises and equipment expense$4,389,000328
Additional noninterest expense$15,045,000330
Pre-tax net operating income$-158,289,0008,164
Securities gains (losses)$6,349,00078
Applicable income taxes$-525,0007,593
Income before extraordinary items$-151,415,0008,161
Extraordinary gains, net$021
Net income$-151,415,0008,160
Minority interest net income$0112
Net income of bank and minority interests.$-151,415,0008,160
Net charge-offs$53,281,000117
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-157,764,0008,162
2009-03-31 (YTD Data)Rank
Total interest income$22,493,000402
Total interest expense$14,824,000236
Net interest income$7,669,000695
Provision for loan and lease losses$51,000,000101
Total noninterest income$-13,633,0008,241
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$291,0001,418
Trading account gains and fees$0171
Additional Noninterest Income$-13,924,0008,251
Total noninterest expense$13,149,000408
Salaries and employee benefits$5,547,000451
Premises and equipment expense$2,222,000331
Additional noninterest expense$5,380,000360
Pre-tax net operating income$-70,113,0008,212
Securities gains (losses)$6,349,00055
Applicable income taxes$04,835
Income before extraordinary items$-63,764,0008,206
Extraordinary gains, net$015
Net income$-63,764,0008,206
Minority interest net income$0102
Net income of bank and minority interests.$-63,764,0008,206
Net charge-offs$40,756,00084
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-70,113,0008,210
2008-12-31 (YTD Data)Rank
Total interest income$138,926,000299
Total interest expense$71,603,000243
Net interest income$67,323,000342
Provision for loan and lease losses$108,762,000110
Total noninterest income$-12,170,0008,289
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$1,274,0001,409
Trading account gains and fees$-268,0008,223
Additional Noninterest Income$-13,176,0008,302
Total noninterest expense$61,591,000357
Salaries and employee benefits$24,350,000397
Premises and equipment expense$11,668,000239
Additional noninterest expense$25,573,000333
Pre-tax net operating income$-115,200,0008,246
Securities gains (losses)$-5,118,0008,089
Applicable income taxes$6,234,000267
Income before extraordinary items$-126,552,0008,240
Extraordinary gains, net$039
Net income$-126,552,0008,239
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$113,337,00083
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-121,434,0008,244
2008-09-30 (YTD Data)Rank
Total interest income$111,642,000292
Total interest expense$54,687,000251
Net interest income$56,955,000318
Provision for loan and lease losses$88,762,000102
Total noninterest income$-6,672,0008,369
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$970,0001,401
Trading account gains and fees$-268,0008,313
Additional Noninterest Income$-7,374,0008,382
Total noninterest expense$45,908,000349
Salaries and employee benefits$18,385,000412
Premises and equipment expense$9,160,000230
Additional noninterest expense$18,363,000320
Pre-tax net operating income$-84,387,0008,346
Securities gains (losses)$-5,643,0008,231
Applicable income taxes$6,224,000264
Income before extraordinary items$-96,254,0008,344
Extraordinary gains, net$031
Net income$-96,254,0008,343
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$73,820,00086
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-90,611,0008,346
2008-06-30 (YTD Data)Rank
Total interest income$79,915,000278
Total interest expense$36,712,000263
Net interest income$43,203,000296
Provision for loan and lease losses$67,400,00093
Total noninterest income$-4,424,0008,439
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$608,0001,458
Trading account gains and fees$-424,0008,402
Additional Noninterest Income$-4,608,0008,452
Total noninterest expense$29,782,000359
Salaries and employee benefits$12,967,000391
Premises and equipment expense$5,183,000289
Additional noninterest expense$11,632,000329
Pre-tax net operating income$-58,403,0008,418
Securities gains (losses)$-5,447,0008,419
Applicable income taxes$8,655,000170
Income before extraordinary items$-72,505,0008,420
Extraordinary gains, net$021
Net income$-72,505,0008,419
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$64,074,00074
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-67,058,0008,419
2008-03-31 (YTD Data)Rank
Total interest income$42,604,000276
Total interest expense$19,244,000278
Net interest income$23,360,000275
Provision for loan and lease losses$26,900,00097
Total noninterest income$-3,734,0008,481
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$318,0001,378
Trading account gains and fees$-452,0008,456
Additional Noninterest Income$-3,600,0008,493
Total noninterest expense$15,176,000341
Salaries and employee benefits$6,784,000381
Premises and equipment expense$2,642,000280
Additional noninterest expense$5,750,000317
Pre-tax net operating income$-22,450,0008,468
Securities gains (losses)$12,0001,897
Applicable income taxes$-12,298,0008,473
Income before extraordinary items$-10,140,0008,451
Extraordinary gains, net$015
Net income$-10,140,0008,451
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,527,00075
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-10,147,6808,450
2007-12-31 (YTD Data)Rank
Total interest income$189,164,000259
Total interest expense$83,596,000269
Net interest income$105,568,000240
Provision for loan and lease losses$38,400,000104
Total noninterest income$1,857,0002,336
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$1,376,0001,294
Trading account gains and fees$268,00097
Additional Noninterest Income$213,0004,937
Total noninterest expense$93,356,000235
Salaries and employee benefits$28,418,000358
Premises and equipment expense$9,818,000290
Additional noninterest expense$55,120,000169
Pre-tax net operating income$-24,331,0008,509
Securities gains (losses)$3,0001,730
Applicable income taxes$6,454,000446
Income before extraordinary items$-30,782,0008,511
Extraordinary gains, net$039
Net income$-30,782,0008,508
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,240,000188
Cash dividends$18,000,000269
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$-30,785,0008,508
2007-09-30 (YTD Data)Rank
Total interest income$140,813,000259
Total interest expense$61,867,000274
Net interest income$78,946,000239
Provision for loan and lease losses$2,700,000410
Total noninterest income$3,287,0001,202
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,002,0001,313
Trading account gains and fees$504,00082
Additional Noninterest Income$1,781,0001,220
Total noninterest expense$39,032,000390
Salaries and employee benefits$21,618,000351
Premises and equipment expense$7,359,000287
Additional noninterest expense$10,055,000450
Pre-tax net operating income$40,501,000231
Securities gains (losses)$01,655
Applicable income taxes$16,650,000195
Income before extraordinary items$23,851,000273
Extraordinary gains, net$033
Net income$23,851,000271
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$352,0001,363
Cash dividends$18,000,000216
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$23,851,000270
2007-06-30 (YTD Data)Rank
Total interest income$92,335,000271
Total interest expense$40,391,000286
Net interest income$51,944,000255
Provision for loan and lease losses$1,700,000371
Total noninterest income$2,575,0001,095
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$672,0001,317
Trading account gains and fees$298,00092
Additional Noninterest Income$1,605,000995
Total noninterest expense$25,412,000407
Salaries and employee benefits$14,248,000365
Premises and equipment expense$4,848,000300
Additional noninterest expense$6,316,000478
Pre-tax net operating income$27,407,000251
Securities gains (losses)$01,444
Applicable income taxes$11,262,000210
Income before extraordinary items$16,145,000284
Extraordinary gains, net$029
Net income$16,145,000283
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$134,0001,743
Cash dividends$18,000,000181
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$16,145,000282
2007-03-31 (YTD Data)Rank
Total interest income$45,042,000277
Total interest expense$19,503,000290
Net interest income$25,539,000258
Provision for loan and lease losses$1,200,000257
Total noninterest income$1,089,0001,219
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$367,0001,173
Trading account gains and fees$107,000111
Additional Noninterest Income$615,0001,176
Total noninterest expense$12,318,000416
Salaries and employee benefits$7,113,000372
Premises and equipment expense$2,417,000298
Additional noninterest expense$2,788,000514
Pre-tax net operating income$13,110,000265
Securities gains (losses)$01,187
Applicable income taxes$5,401,000218
Income before extraordinary items$7,709,000307
Extraordinary gains, net$022
Net income$7,709,000306
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0001,557
Cash dividends$18,000,00097
Sale, conversion, retirement of capital stock, net$0885
Net operating income$7,709,000303
2006-12-31 (YTD Data)Rank
Total interest income$158,315,000293
Total interest expense$64,892,000299
Net interest income$93,423,000271
Provision for loan and lease losses$4,125,000292
Total noninterest income$4,627,0001,169
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$1,250,0001,433
Trading account gains and fees$0130
Additional Noninterest Income$3,377,000916
Total noninterest expense$46,912,000414
Salaries and employee benefits$26,323,000377
Premises and equipment expense$9,096,000286
Additional noninterest expense$11,493,000498
Pre-tax net operating income$47,013,000289
Securities gains (losses)$01,687
Applicable income taxes$19,558,000239
Income before extraordinary items$27,455,000334
Extraordinary gains, net$051
Net income$27,455,000332
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$295,0001,698
Cash dividends$15,000,000290
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$27,455,000329
2006-09-30 (YTD Data)Rank
Total interest income$113,464,000311
Total interest expense$46,014,000312
Net interest income$67,450,000298
Provision for loan and lease losses$3,075,000267
Total noninterest income$3,319,0001,213
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$864,0001,549
Trading account gains and fees$0126
Additional Noninterest Income$2,455,000950
Total noninterest expense$33,610,000440
Salaries and employee benefits$18,774,000403
Premises and equipment expense$6,550,000313
Additional noninterest expense$8,286,000522
Pre-tax net operating income$34,084,000318
Securities gains (losses)$01,388
Applicable income taxes$14,230,000260
Income before extraordinary items$19,854,000362
Extraordinary gains, net$045
Net income$19,854,000361
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$194,0001,551
Cash dividends$15,000,000235
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$19,854,000356
2006-06-30 (YTD Data)Rank
Total interest income$72,539,000319
Total interest expense$29,211,000317
Net interest income$43,328,000311
Provision for loan and lease losses$1,900,000286
Total noninterest income$2,294,0001,183
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$455,0001,880
Trading account gains and fees$0126
Additional Noninterest Income$1,839,000882
Total noninterest expense$21,156,000478
Salaries and employee benefits$11,746,000433
Premises and equipment expense$4,174,000328
Additional noninterest expense$5,236,000536
Pre-tax net operating income$22,566,000320
Securities gains (losses)$01,185
Applicable income taxes$9,454,000263
Income before extraordinary items$13,112,000358
Extraordinary gains, net$039
Net income$13,112,000357
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-31,0008,256
Cash dividends$15,000,000176
Sale, conversion, retirement of capital stock, net$0887
Net operating income$13,112,000352
2006-03-31 (YTD Data)Rank
Total interest income$34,246,000324
Total interest expense$13,486,000319
Net interest income$20,760,000315
Provision for loan and lease losses$1,200,000226
Total noninterest income$712,0001,672
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$146,0002,652
Trading account gains and fees$0115
Additional Noninterest Income$566,0001,227
Total noninterest expense$10,147,000485
Salaries and employee benefits$5,759,000436
Premises and equipment expense$2,075,000329
Additional noninterest expense$2,313,000609
Pre-tax net operating income$10,125,000334
Securities gains (losses)$0955
Applicable income taxes$4,251,000284
Income before extraordinary items$5,874,000385
Extraordinary gains, net$021
Net income$5,874,000383
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-38,0008,413
Cash dividends$15,000,00099
Sale, conversion, retirement of capital stock, net$0648
Net operating income$5,874,000379
2005-12-31 (YTD Data)Rank
Total interest income$110,852,000337
Total interest expense$37,625,000344
Net interest income$73,227,000338
Provision for loan and lease losses$1,886,000567
Total noninterest income$4,482,0001,174
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$1,034,0001,673
Trading account gains and fees$0138
Additional Noninterest Income$3,448,000911
Total noninterest expense$34,843,000523
Salaries and employee benefits$19,691,000478
Premises and equipment expense$7,052,000360
Additional noninterest expense$8,100,000663
Pre-tax net operating income$40,980,000318
Securities gains (losses)$02,296
Applicable income taxes$17,036,000271
Income before extraordinary items$23,944,000368
Extraordinary gains, net$046
Net income$23,944,000369
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,0003,452
Cash dividends$11,000,000358
Sale, conversion, retirement of capital stock, net$0934
Net operating income$23,944,000361
2005-09-30 (YTD Data)Rank
Total interest income$78,551,000347
Total interest expense$25,896,000352
Net interest income$52,655,000347
Provision for loan and lease losses$1,186,000646
Total noninterest income$3,544,0001,138
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$901,0001,438
Trading account gains and fees$0126
Additional Noninterest Income$2,643,000910
Total noninterest expense$23,968,000561
Salaries and employee benefits$13,232,000520
Premises and equipment expense$4,983,000381
Additional noninterest expense$5,753,000689
Pre-tax net operating income$31,045,000319
Securities gains (losses)$02,317
Applicable income taxes$13,040,000275
Income before extraordinary items$18,005,000368
Extraordinary gains, net$035
Net income$18,005,000369
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$101,0002,542
Cash dividends$11,000,000274
Sale, conversion, retirement of capital stock, net$0769
Net operating income$18,005,000359
2005-06-30 (YTD Data)Rank
Total interest income$48,748,000353
Total interest expense$15,260,000362
Net interest income$33,488,000355
Provision for loan and lease losses$705,000710
Total noninterest income$2,051,0001,242
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$650,0001,321
Trading account gains and fees$0116
Additional Noninterest Income$1,401,0001,057
Total noninterest expense$15,157,000581
Salaries and employee benefits$8,375,000545
Premises and equipment expense$3,085,000399
Additional noninterest expense$3,697,000708
Pre-tax net operating income$19,677,000330
Securities gains (losses)$02,146
Applicable income taxes$8,264,000283
Income before extraordinary items$11,413,000374
Extraordinary gains, net$030
Net income$11,413,000374
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-25,0008,245
Cash dividends$11,000,000188
Sale, conversion, retirement of capital stock, net$0643
Net operating income$11,413,000365
2005-03-31 (YTD Data)Rank
Total interest income$22,692,000366
Total interest expense$6,616,000388
Net interest income$16,076,000361
Provision for loan and lease losses$-96,0008,828
Total noninterest income$881,0001,386
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$300,0001,373
Trading account gains and fees$0115
Additional Noninterest Income$581,0001,197
Total noninterest expense$7,573,000583
Salaries and employee benefits$4,348,000519
Premises and equipment expense$1,474,000414
Additional noninterest expense$1,751,000728
Pre-tax net operating income$9,480,000331
Securities gains (losses)$01,685
Applicable income taxes$3,981,000283
Income before extraordinary items$5,499,000376
Extraordinary gains, net$024
Net income$5,499,000376
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-8,0007,866
Cash dividends$6,000,000152
Sale, conversion, retirement of capital stock, net$0491
Net operating income$5,499,000369
2004-12-31 (YTD Data)Rank
Total interest income$75,045,000398
Total interest expense$18,739,000452
Net interest income$56,306,000390
Provision for loan and lease losses$4,881,000255
Total noninterest income$4,735,0001,131
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$1,416,0001,257
Trading account gains and fees$0138
Additional Noninterest Income$3,319,000913
Total noninterest expense$27,769,000609
Salaries and employee benefits$16,006,000544
Premises and equipment expense$4,601,000511
Additional noninterest expense$7,162,000724
Pre-tax net operating income$28,391,000387
Securities gains (losses)$388,000533
Applicable income taxes$11,800,000335
Income before extraordinary items$16,979,000433
Extraordinary gains, net$034
Net income$16,979,000434
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$270,0002,147
Cash dividends$4,000,000755
Sale, conversion, retirement of capital stock, net$0872
Net operating income$16,730,680429
2004-09-30 (YTD Data)Rank
Total interest income$53,543,000411
Total interest expense$13,079,000470
Net interest income$40,464,000398
Provision for loan and lease losses$4,150,000238
Total noninterest income$3,611,0001,122
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$1,091,0001,235
Trading account gains and fees$0134
Additional Noninterest Income$2,520,000915
Total noninterest expense$19,889,000626
Salaries and employee benefits$11,190,000575
Premises and equipment expense$3,316,000530
Additional noninterest expense$5,383,000718
Pre-tax net operating income$20,036,000398
Securities gains (losses)$207,000753
Applicable income taxes$8,299,000347
Income before extraordinary items$11,944,000454
Extraordinary gains, net$026
Net income$11,944,000454
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$240,0001,666
Cash dividends$4,000,000547
Sale, conversion, retirement of capital stock, net$0738
Net operating income$11,811,520444
2004-06-30 (YTD Data)Rank
Total interest income$33,233,000437
Total interest expense$7,894,000505
Net interest income$25,339,000415
Provision for loan and lease losses$2,802,000239
Total noninterest income$2,220,0001,184
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$732,0001,206
Trading account gains and fees$0130
Additional Noninterest Income$1,488,0001,000
Total noninterest expense$12,306,000664
Salaries and employee benefits$6,372,000659
Premises and equipment expense$2,066,000548
Additional noninterest expense$3,868,000671
Pre-tax net operating income$12,451,000415
Securities gains (losses)$207,000637
Applicable income taxes$5,189,000369
Income before extraordinary items$7,469,000478
Extraordinary gains, net$021
Net income$7,469,000478
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$245,0001,184
Cash dividends$4,000,000394
Sale, conversion, retirement of capital stock, net$0638
Net operating income$7,336,520460
2004-03-31 (YTD Data)Rank
Total interest income$15,179,000478
Total interest expense$3,577,000572
Net interest income$11,602,000449
Provision for loan and lease losses$1,769,000208
Total noninterest income$1,388,000970
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$341,0001,259
Trading account gains and fees$0121
Additional Noninterest Income$1,047,000763
Total noninterest expense$5,467,000740
Salaries and employee benefits$3,029,000712
Premises and equipment expense$957,000614
Additional noninterest expense$1,481,000830
Pre-tax net operating income$5,754,000433
Securities gains (losses)$207,000489
Applicable income taxes$2,444,000388
Income before extraordinary items$3,517,000509
Extraordinary gains, net$016
Net income$3,517,000508
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0003,279
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$3,384,520492
2003-12-31 (YTD Data)Rank
Total interest income$39,537,000705
Total interest expense$9,969,000891
Net interest income$29,568,000641
Provision for loan and lease losses$3,710,000406
Total noninterest income$3,579,0001,464
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$1,231,0001,407
Trading account gains and fees$0160
Additional Noninterest Income$2,348,0001,296
Total noninterest expense$15,840,0001,034
Salaries and employee benefits$8,706,000991
Premises and equipment expense$2,606,000856
Additional noninterest expense$4,528,0001,123
Pre-tax net operating income$13,597,000652
Securities gains (losses)$2,137,000283
Applicable income taxes$6,451,000505
Income before extraordinary items$9,283,000707
Extraordinary gains, net$054
Net income$9,283,000709
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0004,591
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$7,915,320771
2003-09-30 (YTD Data)Rank
Total interest income$26,204,000835
Total interest expense$6,785,0001,030
Net interest income$19,419,000738
Provision for loan and lease losses$2,210,000490
Total noninterest income$2,650,0001,511
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$951,0001,374
Trading account gains and fees$0153
Additional Noninterest Income$1,699,0001,400
Total noninterest expense$10,698,0001,147
Salaries and employee benefits$5,634,0001,128
Premises and equipment expense$1,722,0001,007
Additional noninterest expense$3,342,0001,140
Pre-tax net operating income$9,161,000745
Securities gains (losses)$1,571,000328
Applicable income taxes$4,400,000564
Income before extraordinary items$6,332,000803
Extraordinary gains, net$040
Net income$6,332,000804
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$106,0003,148
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$5,326,560881
2003-06-30 (YTD Data)Rank
Total interest income$15,212,000953
Total interest expense$4,020,0001,187
Net interest income$11,192,000870
Provision for loan and lease losses$1,750,000428
Total noninterest income$1,751,0001,515
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$575,0001,494
Trading account gains and fees$0150
Additional Noninterest Income$1,176,0001,354
Total noninterest expense$6,458,0001,261
Salaries and employee benefits$3,302,0001,316
Premises and equipment expense$983,0001,160
Additional noninterest expense$2,173,0001,154
Pre-tax net operating income$4,735,000928
Securities gains (losses)$1,571,000267
Applicable income taxes$2,586,000625
Income before extraordinary items$3,720,000911
Extraordinary gains, net$030
Net income$3,720,000912
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-13,0008,628
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$2,714,5601,137
2003-03-31 (YTD Data)Rank
Total interest income$6,630,0001,112
Total interest expense$1,760,0001,399
Net interest income$4,870,000991
Provision for loan and lease losses$500,000617
Total noninterest income$737,0001,702
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$284,0001,467
Trading account gains and fees$0134
Additional Noninterest Income$453,0001,587
Total noninterest expense$3,113,0001,301
Salaries and employee benefits$1,709,0001,259
Premises and equipment expense$436,0001,322
Additional noninterest expense$968,0001,260
Pre-tax net operating income$1,994,0001,088
Securities gains (losses)$599,000307
Applicable income taxes$1,063,000755
Income before extraordinary items$1,530,0001,084
Extraordinary gains, net$021
Net income$1,530,0001,083
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,0008,558
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,146,6401,333
2002-12-31 (YTD Data)Rank
Total interest income$19,169,0001,604
Total interest expense$4,793,0002,329
Net interest income$14,376,0001,343
Provision for loan and lease losses$1,430,000987
Total noninterest income$2,622,0001,737
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$1,252,0001,296
Trading account gains and fees$0153
Additional Noninterest Income$1,370,0001,773
Total noninterest expense$9,987,0001,547
Salaries and employee benefits$5,054,0001,602
Premises and equipment expense$1,658,0001,324
Additional noninterest expense$3,275,0001,449
Pre-tax net operating income$5,581,0001,487
Securities gains (losses)$1,285,000362
Applicable income taxes$2,817,000975
Income before extraordinary items$4,049,0001,513
Extraordinary gains, net$070
Net income$4,049,0001,511
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$75,0004,640
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,226,6001,786
2001-12-31 (YTD Data)Rank
Total interest income$11,601,0002,919
Total interest expense$3,292,0004,399
Net interest income$8,309,0002,152
Provision for loan and lease losses$773,0001,542
Total noninterest income$2,186,0001,880
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$1,302,0001,135
Trading account gains and fees$0177
Additional Noninterest Income$884,0002,232
Total noninterest expense$8,222,0001,769
Salaries and employee benefits$4,224,0001,780
Premises and equipment expense$1,286,0001,677
Additional noninterest expense$2,712,0001,698
Pre-tax net operating income$1,500,0003,861
Securities gains (losses)$6,0003,836
Applicable income taxes$137,0005,593
Income before extraordinary items$1,369,0003,457
Extraordinary gains, net$0105
Net income$1,369,0003,460
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0003,941
Cash dividends$150,0005,292
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,363,5403,372
2000-12-31 (YTD Data)Rank
Total interest income$9,071,0003,699
Total interest expense$2,048,0006,199
Net interest income$7,023,0002,538
Provision for loan and lease losses$256,0003,180
Total noninterest income$1,487,0002,363
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,210,0001,122
Trading account gains and fees$0180
Additional Noninterest Income$277,0004,085
Total noninterest expense$7,186,0001,938
Salaries and employee benefits$3,325,0002,151
Premises and equipment expense$1,169,0001,794
Additional noninterest expense$2,692,0001,653
Pre-tax net operating income$1,068,0005,094
Securities gains (losses)$01,956
Applicable income taxes$449,0003,743
Income before extraordinary items$619,0005,755
Extraordinary gains, net$038
Net income$619,0005,753
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$236,0002,140
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$619,0005,759
1999-12-31 (YTD Data)Rank
Total interest income$9,179,0003,475
Total interest expense$2,204,0005,648
Net interest income$6,975,0002,521
Provision for loan and lease losses$166,0004,030
Total noninterest income$1,719,0002,076
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,388,000954
Trading account gains and fees$0173
Additional Noninterest Income$331,0003,796
Total noninterest expense$8,565,0001,604
Salaries and employee benefits$3,766,0001,850
Premises and equipment expense$1,223,0001,672
Additional noninterest expense$3,576,0001,285
Pre-tax net operating income$-37,0009,470
Securities gains (losses)$03,155
Applicable income taxes$-12,0009,682
Income before extraordinary items$-25,0009,478
Extraordinary gains, net$035
Net income$-25,0009,475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$88,0003,806
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-25,0009,454
1998-12-31 (YTD Data)Rank
Total interest income$9,435,0003,403
Total interest expense$2,552,0005,287
Net interest income$6,883,0002,464
Provision for loan and lease losses$143,0004,290
Total noninterest income$1,640,0002,126
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,339,000925
Trading account gains and fees$0224
Additional Noninterest Income$301,0004,018
Total noninterest expense$7,680,0001,701
Salaries and employee benefits$3,506,0001,897
Premises and equipment expense$1,297,0001,514
Additional noninterest expense$2,877,0001,500
Pre-tax net operating income$700,0006,477
Securities gains (losses)$49,0001,746
Applicable income taxes$306,0005,120
Income before extraordinary items$443,0006,969
Extraordinary gains, net$032
Net income$443,0006,967
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$152,0002,892
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$411,6407,047
1997-12-31 (YTD Data)Rank
Total interest income$9,302,0003,477
Total interest expense$2,942,0004,804
Net interest income$6,360,0002,734
Provision for loan and lease losses$144,0004,243
Total noninterest income$1,602,0002,088
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,407,000901
Trading account gains and fees$0239
Additional Noninterest Income$195,0005,022
Total noninterest expense$7,284,0001,781
Salaries and employee benefits$3,586,0001,821
Premises and equipment expense$1,188,0001,650
Additional noninterest expense$2,510,0001,688
Pre-tax net operating income$534,0007,738
Securities gains (losses)$3,0003,097
Applicable income taxes$133,0007,866
Income before extraordinary items$404,0007,607
Extraordinary gains, net$044
Net income$404,0007,610
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$178,0002,726
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$401,7507,570
1996-12-31 (YTD Data)Rank
Total interest income$9,011,0003,614
Total interest expense$2,861,0004,986
Net interest income$6,150,0002,887
Provision for loan and lease losses$417,0002,027
Total noninterest income$1,831,0001,983
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,384,000958
Trading account gains and fees$0262
Additional Noninterest Income$447,0003,155
Total noninterest expense$7,433,0001,903
Salaries and employee benefits$3,503,0001,884
Premises and equipment expense$1,362,0001,487
Additional noninterest expense$2,568,0001,964
Pre-tax net operating income$131,00010,205
Securities gains (losses)$2,0003,501
Applicable income taxes$28,00010,061
Income before extraordinary items$105,00010,174
Extraordinary gains, net$053
Net income$105,00010,173
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$472,0001,491
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$103,42010,138
1995-12-31 (YTD Data)Rank
Total interest income$8,569,0003,774
Total interest expense$2,399,0005,742
Net interest income$6,170,0002,888
Provision for loan and lease losses$-429,00011,895
Total noninterest income$3,905,0001,138
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,529,000869
Trading account gains and fees$0522
Additional Noninterest Income$2,376,0001,017
Total noninterest expense$9,078,0001,571
Salaries and employee benefits$3,991,0001,660
Premises and equipment expense$1,900,0001,115
Additional noninterest expense$3,187,0001,618
Pre-tax net operating income$1,426,0004,631
Securities gains (losses)$-8,0009,956
Applicable income taxes$584,0003,727
Income before extraordinary items$834,0005,286
Extraordinary gains, net$065
Net income$834,0005,283
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-198,00011,854
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$839,1205,246
1994-12-31 (YTD Data)Rank
Total interest income$8,473,0003,538
Total interest expense$1,917,0005,801
Net interest income$6,556,0002,764
Provision for loan and lease losses$1,440,000727
Total noninterest income$2,838,0001,427
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,651,000796
Trading account gains and fees$0475
Additional Noninterest Income$1,187,0001,635
Total noninterest expense$9,830,0001,498
Salaries and employee benefits$4,090,0001,635
Premises and equipment expense$1,893,0001,120
Additional noninterest expense$3,847,0001,457
Pre-tax net operating income$-1,876,00012,518
Securities gains (losses)$-32,00010,707
Applicable income taxes$-370,00012,456
Income before extraordinary items$-1,538,00012,471
Extraordinary gains, net$0249
Net income$-1,538,00012,466
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,733,000621
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-1,512,08012,471
1993-12-31 (YTD Data)Rank
Total interest income$9,515,0003,252
Total interest expense$2,487,0004,829
Net interest income$7,028,0002,563
Provision for loan and lease losses$300,0002,975
Total noninterest income$3,882,0001,191
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,898,000717
Trading account gains and fees$0532
Additional Noninterest Income$1,984,0001,262
Total noninterest expense$10,080,0001,517
Salaries and employee benefits$4,665,0001,450
Premises and equipment expense$1,972,0001,086
Additional noninterest expense$3,443,0001,706
Pre-tax net operating income$530,0008,451
Securities gains (losses)$2,0006,773
Applicable income taxes$144,0008,778
Income before extraordinary items$388,0008,555
Extraordinary gains, net$107,0001,505
Net income$495,0007,786
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$861,0001,266
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$386,5408,310
1992-12-31 (YTD Data)Rank
Total interest income$11,148,0003,150
Total interest expense$3,728,0004,321
Net interest income$7,420,0002,442
Provision for loan and lease losses$2,352,0001,018
Total noninterest income$3,966,0001,147
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$2,036,000668
Trading account gains and fees$0504
Additional Noninterest Income$1,930,0001,276
Total noninterest expense$10,349,0001,480
Salaries and employee benefits$4,491,0001,477
Premises and equipment expense$2,103,0001,067
Additional noninterest expense$3,755,0001,666
Pre-tax net operating income$-1,315,00013,545
Securities gains (losses)$1,0007,986
Applicable income taxes$-270,00013,697
Income before extraordinary items$-1,044,00013,565
Extraordinary gains, net$01,422
Net income$-1,044,00013,562
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,495,0001,192
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-1,044,79013,493

* 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.