Home > Virgin Islands Community Bank > Income and Expense
Virgin Islands Community Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,723,000 | 6,386 |
| Total interest expense | $427,000 | 8,051 |
| Net interest income | $3,296,000 | 5,236 |
| Provision for loan and lease losses | $3,999,000 | 499 |
| Total noninterest income | $564,000 | 4,765 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $236,000 | 4,566 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $328,000 | 4,085 |
| Total noninterest expense | $3,968,000 | 4,148 |
| Salaries and employee benefits | $1,946,000 | 4,475 |
| Premises and equipment expense | $506,000 | 4,322 |
| Additional noninterest expense | $1,516,000 | 3,383 |
| Pre-tax net operating income | $-4,107,000 | 8,424 |
| Securities gains (losses) | $-43,000 | 7,979 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-4,150,000 | 8,433 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,150,000 | 8,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,018,000 | 367 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-4,107,000 | 8,427 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,857,000 | 6,371 |
| Total interest expense | $325,000 | 8,092 |
| Net interest income | $2,532,000 | 5,169 |
| Provision for loan and lease losses | $3,999,000 | 305 |
| Total noninterest income | $508,000 | 4,384 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $184,000 | 4,511 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $324,000 | 3,601 |
| Total noninterest expense | $3,079,000 | 4,019 |
| Salaries and employee benefits | $1,456,000 | 4,474 |
| Premises and equipment expense | $379,000 | 4,320 |
| Additional noninterest expense | $1,244,000 | 3,091 |
| Pre-tax net operating income | $-4,038,000 | 8,510 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $40,000 | 5,094 |
| Income before extraordinary items | $-4,078,000 | 8,522 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-4,078,000 | 8,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,048,000 | 237 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-4,078,000 | 8,515 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,914,000 | 6,392 |
| Total interest expense | $214,000 | 8,162 |
| Net interest income | $1,700,000 | 5,167 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $332,000 | 4,447 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $127,000 | 4,442 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $205,000 | 3,734 |
| Total noninterest expense | $1,844,000 | 4,367 |
| Salaries and employee benefits | $978,000 | 4,484 |
| Premises and equipment expense | $250,000 | 4,389 |
| Additional noninterest expense | $616,000 | 3,948 |
| Pre-tax net operating income | $188,000 | 6,710 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $32,000 | 5,076 |
| Income before extraordinary items | $156,000 | 6,699 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $156,000 | 6,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,346 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $156,000 | 6,687 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $959,000 | 6,401 |
| Total interest expense | $105,000 | 8,214 |
| Net interest income | $854,000 | 5,165 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $172,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $68,000 | 4,246 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $104,000 | 3,699 |
| Total noninterest expense | $923,000 | 4,371 |
| Salaries and employee benefits | $488,000 | 4,521 |
| Premises and equipment expense | $127,000 | 4,340 |
| Additional noninterest expense | $308,000 | 3,897 |
| Pre-tax net operating income | $103,000 | 6,622 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $13,000 | 5,188 |
| Income before extraordinary items | $90,000 | 6,548 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $90,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,041 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $90,000 | 6,533 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,258,000 | 5,964 |
| Total interest expense | $482,000 | 7,954 |
| Net interest income | $3,776,000 | 4,834 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $609,000 | 4,691 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $251,000 | 4,487 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $358,000 | 3,951 |
| Total noninterest expense | $3,822,000 | 4,119 |
| Salaries and employee benefits | $1,989,000 | 4,286 |
| Premises and equipment expense | $505,000 | 4,236 |
| Additional noninterest expense | $1,328,000 | 3,638 |
| Pre-tax net operating income | $563,000 | 6,293 |
| Securities gains (losses) | $23,000 | 872 |
| Applicable income taxes | $199,000 | 4,299 |
| Income before extraordinary items | $387,000 | 6,563 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $387,000 | 6,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,465 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,208 |
| Net operating income | $371,820 | 6,629 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,370,000 | 5,848 |
| Total interest expense | $372,000 | 7,958 |
| Net interest income | $2,998,000 | 4,693 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $417,000 | 4,922 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $191,000 | 4,498 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $226,000 | 4,283 |
| Total noninterest expense | $2,893,000 | 4,078 |
| Salaries and employee benefits | $1,486,000 | 4,261 |
| Premises and equipment expense | $389,000 | 4,170 |
| Additional noninterest expense | $1,018,000 | 3,562 |
| Pre-tax net operating income | $522,000 | 6,130 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $129,000 | 4,664 |
| Income before extraordinary items | $393,000 | 6,268 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $393,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,474 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $393,000 | 6,263 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,202,000 | 5,878 |
| Total interest expense | $248,000 | 7,941 |
| Net interest income | $1,954,000 | 4,784 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $283,000 | 4,875 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $125,000 | 4,515 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $158,000 | 4,200 |
| Total noninterest expense | $1,929,000 | 4,097 |
| Salaries and employee benefits | $987,000 | 4,311 |
| Premises and equipment expense | $260,000 | 4,176 |
| Additional noninterest expense | $682,000 | 3,556 |
| Pre-tax net operating income | $308,000 | 6,404 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $83,000 | 4,745 |
| Income before extraordinary items | $225,000 | 6,549 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $225,000 | 6,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,743 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $225,000 | 6,546 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,025,000 | 6,033 |
| Total interest expense | $124,000 | 7,913 |
| Net interest income | $901,000 | 5,029 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $148,000 | 4,717 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $63,000 | 4,435 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,010 |
| Total noninterest expense | $956,000 | 4,136 |
| Salaries and employee benefits | $486,000 | 4,370 |
| Premises and equipment expense | $138,000 | 4,023 |
| Additional noninterest expense | $332,000 | 3,593 |
| Pre-tax net operating income | $93,000 | 7,138 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-2,000 | 8,456 |
| Income before extraordinary items | $95,000 | 6,813 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $95,000 | 6,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $95,000 | 6,811 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,817,000 | 5,960 |
| Total interest expense | $486,000 | 7,657 |
| Net interest income | $3,331,000 | 5,158 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $601,000 | 4,779 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $264,000 | 4,463 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $337,000 | 4,102 |
| Total noninterest expense | $3,678,000 | 4,131 |
| Salaries and employee benefits | $1,981,000 | 4,147 |
| Premises and equipment expense | $564,000 | 3,840 |
| Additional noninterest expense | $1,133,000 | 4,035 |
| Pre-tax net operating income | $254,000 | 7,539 |
| Securities gains (losses) | $35,000 | 1,043 |
| Applicable income taxes | $41,000 | 5,981 |
| Income before extraordinary items | $248,000 | 7,382 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $248,000 | 7,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,232 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $217,900 | 7,483 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,874,000 | 5,925 |
| Total interest expense | $347,000 | 7,692 |
| Net interest income | $2,527,000 | 5,149 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $429,000 | 4,948 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $181,000 | 4,678 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $248,000 | 4,151 |
| Total noninterest expense | $2,795,000 | 4,052 |
| Salaries and employee benefits | $1,498,000 | 4,100 |
| Premises and equipment expense | $456,000 | 3,615 |
| Additional noninterest expense | $841,000 | 4,026 |
| Pre-tax net operating income | $161,000 | 7,795 |
| Securities gains (losses) | $43,000 | 942 |
| Applicable income taxes | $-48,000 | 8,678 |
| Income before extraordinary items | $252,000 | 7,176 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $252,000 | 7,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,099 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $209,000 | 7,363 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,925,000 | 5,852 |
| Total interest expense | $231,000 | 7,639 |
| Net interest income | $1,694,000 | 5,122 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $247,000 | 5,242 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $115,000 | 4,738 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $132,000 | 4,592 |
| Total noninterest expense | $1,872,000 | 4,017 |
| Salaries and employee benefits | $1,019,000 | 4,016 |
| Premises and equipment expense | $300,000 | 3,627 |
| Additional noninterest expense | $553,000 | 4,049 |
| Pre-tax net operating income | $69,000 | 8,031 |
| Securities gains (losses) | $43,000 | 851 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $112,000 | 7,659 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $112,000 | 7,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,091 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $69,000 | 7,930 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $949,000 | 5,890 |
| Total interest expense | $118,000 | 7,591 |
| Net interest income | $831,000 | 5,217 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $107,000 | 5,534 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $55,000 | 4,780 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $52,000 | 5,105 |
| Total noninterest expense | $946,000 | 4,012 |
| Salaries and employee benefits | $511,000 | 4,025 |
| Premises and equipment expense | $149,000 | 3,665 |
| Additional noninterest expense | $286,000 | 3,955 |
| Pre-tax net operating income | $-8,000 | 8,467 |
| Securities gains (losses) | $26,000 | 712 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $18,000 | 8,257 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $18,000 | 8,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,477 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-8,000 | 8,463 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,721,000 | 5,792 |
| Total interest expense | $507,000 | 7,276 |
| Net interest income | $3,214,000 | 5,199 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $689,000 | 4,431 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $228,000 | 4,935 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $461,000 | 3,462 |
| Total noninterest expense | $3,733,000 | 3,961 |
| Salaries and employee benefits | $1,864,000 | 4,223 |
| Premises and equipment expense | $564,000 | 3,722 |
| Additional noninterest expense | $1,305,000 | 3,515 |
| Pre-tax net operating income | $170,000 | 7,879 |
| Securities gains (losses) | $101,000 | 1,241 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $271,000 | 7,341 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $271,000 | 7,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 2,134 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $550,000 | 462 |
| Net operating income | $170,000 | 7,748 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,764,000 | 5,812 |
| Total interest expense | $386,000 | 7,270 |
| Net interest income | $2,378,000 | 5,228 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $535,000 | 4,350 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $174,000 | 4,932 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $361,000 | 3,382 |
| Total noninterest expense | $2,692,000 | 4,066 |
| Salaries and employee benefits | $1,381,000 | 4,238 |
| Premises and equipment expense | $426,000 | 3,705 |
| Additional noninterest expense | $885,000 | 3,775 |
| Pre-tax net operating income | $221,000 | 7,594 |
| Securities gains (losses) | $101,000 | 1,166 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $322,000 | 6,769 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $322,000 | 6,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,646 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $550,000 | 354 |
| Net operating income | $221,000 | 7,303 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,806,000 | 5,876 |
| Total interest expense | $261,000 | 7,297 |
| Net interest income | $1,545,000 | 5,305 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $374,000 | 4,265 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $114,000 | 4,983 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $260,000 | 3,251 |
| Total noninterest expense | $1,792,000 | 4,089 |
| Salaries and employee benefits | $910,000 | 4,279 |
| Premises and equipment expense | $288,000 | 3,668 |
| Additional noninterest expense | $594,000 | 3,778 |
| Pre-tax net operating income | $127,000 | 7,709 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $127,000 | 7,525 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $127,000 | 7,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 1,211 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $550,000 | 252 |
| Net operating income | $127,000 | 7,457 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $859,000 | 6,060 |
| Total interest expense | $137,000 | 7,240 |
| Net interest income | $722,000 | 5,512 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $215,000 | 3,885 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $55,000 | 4,979 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $160,000 | 2,829 |
| Total noninterest expense | $865,000 | 4,222 |
| Salaries and employee benefits | $431,000 | 4,468 |
| Premises and equipment expense | $145,000 | 3,675 |
| Additional noninterest expense | $289,000 | 3,853 |
| Pre-tax net operating income | $72,000 | 7,574 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $72,000 | 7,381 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $72,000 | 7,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 700 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $350,000 | 176 |
| Net operating income | $72,000 | 7,295 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,854,000 | 5,770 |
| Total interest expense | $660,000 | 7,186 |
| Net interest income | $3,194,000 | 5,106 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $303,000 | 6,577 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $208,000 | 5,184 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $95,000 | 6,619 |
| Total noninterest expense | $3,718,000 | 3,912 |
| Salaries and employee benefits | $1,973,000 | 3,969 |
| Premises and equipment expense | $525,000 | 3,915 |
| Additional noninterest expense | $1,220,000 | 3,680 |
| Pre-tax net operating income | $-221,000 | 8,704 |
| Securities gains (losses) | $477,000 | 774 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $256,000 | 7,493 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $256,000 | 7,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,589 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $496,000 | 499 |
| Net operating income | $-221,000 | 8,723 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,921,000 | 5,807 |
| Total interest expense | $510,000 | 7,264 |
| Net interest income | $2,411,000 | 5,101 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $236,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $157,000 | 5,204 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $79,000 | 6,483 |
| Total noninterest expense | $2,683,000 | 4,019 |
| Salaries and employee benefits | $1,493,000 | 3,933 |
| Premises and equipment expense | $390,000 | 3,935 |
| Additional noninterest expense | $800,000 | 4,059 |
| Pre-tax net operating income | $-36,000 | 8,701 |
| Securities gains (losses) | $477,000 | 705 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $441,000 | 6,141 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $441,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $225,000 | 436 |
| Net operating income | $-36,000 | 8,699 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,972,000 | 5,797 |
| Total interest expense | $359,000 | 7,266 |
| Net interest income | $1,613,000 | 5,078 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $164,000 | 6,429 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $103,000 | 5,211 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $61,000 | 6,230 |
| Total noninterest expense | $1,787,000 | 4,025 |
| Salaries and employee benefits | $1,003,000 | 3,901 |
| Premises and equipment expense | $254,000 | 3,995 |
| Additional noninterest expense | $530,000 | 4,050 |
| Pre-tax net operating income | $-10,000 | 8,707 |
| Securities gains (losses) | $403,000 | 664 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $393,000 | 5,457 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $393,000 | 5,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,495 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $225,000 | 320 |
| Net operating income | $-10,000 | 8,691 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $991,000 | 5,807 |
| Total interest expense | $200,000 | 7,070 |
| Net interest income | $791,000 | 5,137 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $93,000 | 6,074 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $50,000 | 5,192 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 5,547 |
| Total noninterest expense | $860,000 | 4,134 |
| Salaries and employee benefits | $499,000 | 3,909 |
| Premises and equipment expense | $123,000 | 4,076 |
| Additional noninterest expense | $238,000 | 4,379 |
| Pre-tax net operating income | $24,000 | 8,401 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $24,000 | 8,404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $24,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $24,000 | 8,279 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,410,000 | 5,599 |
| Total interest expense | $838,000 | 7,389 |
| Net interest income | $3,572,000 | 4,703 |
| Provision for loan and lease losses | $384,000 | 2,933 |
| Total noninterest income | $386,000 | 5,865 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $193,000 | 5,279 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $193,000 | 5,108 |
| Total noninterest expense | $5,196,000 | 2,832 |
| Salaries and employee benefits | $1,922,000 | 3,867 |
| Premises and equipment expense | $493,000 | 3,970 |
| Additional noninterest expense | $2,781,000 | 1,693 |
| Pre-tax net operating income | $-1,622,000 | 9,223 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,622,000 | 9,255 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,622,000 | 9,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 2,289 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,622,000 | 9,226 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,040,000 | 5,585 |
| Total interest expense | $1,396,000 | 7,201 |
| Net interest income | $3,644,000 | 4,438 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $424,000 | 5,526 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $239,000 | 4,757 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $185,000 | 5,092 |
| Total noninterest expense | $3,759,000 | 3,619 |
| Salaries and employee benefits | $1,989,000 | 3,612 |
| Premises and equipment expense | $547,000 | 3,627 |
| Additional noninterest expense | $1,223,000 | 3,439 |
| Pre-tax net operating income | $129,000 | 8,190 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $10,000 | 7,583 |
| Income before extraordinary items | $119,000 | 8,220 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $119,000 | 8,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,343 |
| Cash dividends | $785,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $119,000 | 8,111 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,089,000 | 5,026 |
| Total interest expense | $1,749,000 | 6,702 |
| Net interest income | $4,340,000 | 3,916 |
| Provision for loan and lease losses | $393,000 | 2,306 |
| Total noninterest income | $494,000 | 4,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,082 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 4,850 |
| Total noninterest expense | $3,381,000 | 3,832 |
| Salaries and employee benefits | $2,000,000 | 3,464 |
| Premises and equipment expense | $416,000 | 4,386 |
| Additional noninterest expense | $965,000 | 4,095 |
| Pre-tax net operating income | $1,060,000 | 5,113 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $40,000 | 7,410 |
| Income before extraordinary items | $1,020,000 | 4,328 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,020,000 | 4,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 1,541 |
| Cash dividends | $1,210,000 | 1,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,020,000 | 4,332 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,345,000 | 5,335 |
| Total interest expense | $1,482,000 | 7,026 |
| Net interest income | $3,863,000 | 4,305 |
| Provision for loan and lease losses | $72,000 | 5,852 |
| Total noninterest income | $513,000 | 4,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $375,000 | 3,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 5,795 |
| Total noninterest expense | $3,104,000 | 4,098 |
| Salaries and employee benefits | $1,855,000 | 3,656 |
| Premises and equipment expense | $269,000 | 5,815 |
| Additional noninterest expense | $980,000 | 4,082 |
| Pre-tax net operating income | $1,200,000 | 4,771 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $45,000 | 7,725 |
| Income before extraordinary items | $1,155,000 | 3,990 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,155,000 | 3,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 9,511 |
| Cash dividends | $850,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,155,000 | 3,956 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,074,000 | 5,629 |
| Total interest expense | $1,337,000 | 7,573 |
| Net interest income | $3,737,000 | 4,366 |
| Provision for loan and lease losses | $56,000 | 6,406 |
| Total noninterest income | $412,000 | 5,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $292,000 | 4,005 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 6,209 |
| Total noninterest expense | $2,944,000 | 4,184 |
| Salaries and employee benefits | $1,684,000 | 3,869 |
| Premises and equipment expense | $496,000 | 3,732 |
| Additional noninterest expense | $764,000 | 4,833 |
| Pre-tax net operating income | $1,149,000 | 5,015 |
| Securities gains (losses) | $-5,000 | 10,072 |
| Applicable income taxes | $44,000 | 8,433 |
| Income before extraordinary items | $1,100,000 | 4,186 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,100,000 | 4,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,658 |
| Cash dividends | $1,025,000 | 2,158 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,104,800 | 4,083 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,073,000 | 5,741 |
| Total interest expense | $1,385,000 | 7,618 |
| Net interest income | $3,688,000 | 4,539 |
| Provision for loan and lease losses | $40,000 | 7,002 |
| Total noninterest income | $429,000 | 5,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,804 |
| Total noninterest expense | $3,111,000 | 3,979 |
| Salaries and employee benefits | $1,794,000 | 3,648 |
| Premises and equipment expense | $437,000 | 4,138 |
| Additional noninterest expense | $880,000 | 4,391 |
| Pre-tax net operating income | $966,000 | 5,938 |
| Securities gains (losses) | $14,000 | 2,133 |
| Applicable income taxes | $37,000 | 9,450 |
| Income before extraordinary items | $943,000 | 4,901 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $943,000 | 4,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,786 |
| Cash dividends | $2,758,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $350,000 | 590 |
| Net operating income | $929,560 | 4,891 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,231,000 | 5,747 |
| Total interest expense | $1,407,000 | 7,818 |
| Net interest income | $3,824,000 | 4,491 |
| Provision for loan and lease losses | $97,000 | 5,191 |
| Total noninterest income | $352,000 | 6,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,966 |
| Total noninterest expense | $3,092,000 | 4,217 |
| Salaries and employee benefits | $1,643,000 | 3,972 |
| Premises and equipment expense | $463,000 | 4,025 |
| Additional noninterest expense | $986,000 | 4,455 |
| Pre-tax net operating income | $987,000 | 5,785 |
| Securities gains (losses) | $-16,000 | 10,516 |
| Applicable income taxes | $36,000 | 9,934 |
| Income before extraordinary items | $935,000 | 4,744 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $935,000 | 4,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $1,116,000 | 1,972 |
| Sale, conversion, retirement of capital stock, net | $2,300,000 | 275 |
| Net operating income | $950,360 | 4,636 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,653,000 | 6,287 |
| Total interest expense | $1,381,000 | 8,030 |
| Net interest income | $3,272,000 | 5,141 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $455,000 | 5,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,848 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,342 |
| Total noninterest expense | $2,848,000 | 4,472 |
| Salaries and employee benefits | $1,561,000 | 4,142 |
| Premises and equipment expense | $307,000 | 5,528 |
| Additional noninterest expense | $980,000 | 4,426 |
| Pre-tax net operating income | $834,000 | 6,706 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $31,000 | 10,571 |
| Income before extraordinary items | $803,000 | 5,435 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $803,000 | 5,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $332,000 | 4,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $803,000 | 5,409 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $0 | 12,605 |
| Total interest expense | $0 | 12,589 |
| Net interest income | $0 | 12,599 |
| Provision for loan and lease losses | $350,000 | 2,026 |
| Total noninterest income | $0 | 12,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 12,536 |
| Total noninterest expense | $0 | 12,607 |
| Salaries and employee benefits | $0 | 12,599 |
| Premises and equipment expense | $0 | 12,581 |
| Additional noninterest expense | $0 | 12,605 |
| Pre-tax net operating income | $-350,000 | 12,325 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-350,000 | 12,300 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-350,000 | 12,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-350,000 | 12,310 |
* 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.