Home > Vision Bank > Income and Expense
Vision Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,821,000 | 1,968 |
| Total interest expense | $4,645,000 | 2,057 |
| Net interest income | $6,176,000 | 1,860 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $918,000 | 2,359 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $561,000 | 1,566 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $357,000 | 2,742 |
| Total noninterest expense | $3,892,000 | 2,349 |
| Salaries and employee benefits | $2,005,000 | 2,524 |
| Premises and equipment expense | $466,000 | 2,728 |
| Additional noninterest expense | $1,421,000 | 1,904 |
| Pre-tax net operating income | $3,142,000 | 1,468 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,172,000 | 1,128 |
| Income before extraordinary items | $1,970,000 | 1,758 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,970,000 | 1,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,576 |
| Cash dividends | $129,000 | 4,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,970,000 | 1,744 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,131,000 | 4,213 |
| Total interest expense | $880,000 | 4,330 |
| Net interest income | $1,251,000 | 4,026 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $190,000 | 4,136 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $104,000 | 3,370 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $86,000 | 4,061 |
| Total noninterest expense | $759,000 | 4,976 |
| Salaries and employee benefits | $411,000 | 5,069 |
| Premises and equipment expense | $81,000 | 5,658 |
| Additional noninterest expense | $267,000 | 4,323 |
| Pre-tax net operating income | $682,000 | 2,851 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $259,000 | 2,040 |
| Income before extraordinary items | $423,000 | 3,364 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $423,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $129,000 | 2,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $423,000 | 3,340 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $33,762,000 | 1,168 |
| Total interest expense | $11,912,000 | 1,410 |
| Net interest income | $21,850,000 | 1,016 |
| Provision for loan and lease losses | $715,000 | 1,393 |
| Total noninterest income | $2,743,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,430,000 | 1,243 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,313,000 | 1,827 |
| Total noninterest expense | $11,505,000 | 1,559 |
| Salaries and employee benefits | $6,308,000 | 1,557 |
| Premises and equipment expense | $1,775,000 | 1,448 |
| Additional noninterest expense | $3,422,000 | 1,539 |
| Pre-tax net operating income | $12,373,000 | 803 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $4,503,000 | 690 |
| Income before extraordinary items | $7,870,000 | 949 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,870,000 | 949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,252 |
| Cash dividends | $529,000 | 3,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $7,870,000 | 936 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $25,094,000 | 1,190 |
| Total interest expense | $8,627,000 | 1,417 |
| Net interest income | $16,467,000 | 1,037 |
| Provision for loan and lease losses | $715,000 | 1,037 |
| Total noninterest income | $2,034,000 | 1,776 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,026,000 | 1,306 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,008,000 | 1,812 |
| Total noninterest expense | $8,566,000 | 1,570 |
| Salaries and employee benefits | $4,628,000 | 1,612 |
| Premises and equipment expense | $1,372,000 | 1,422 |
| Additional noninterest expense | $2,566,000 | 1,542 |
| Pre-tax net operating income | $9,220,000 | 845 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,365,000 | 721 |
| Income before extraordinary items | $5,855,000 | 986 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,855,000 | 985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,824 |
| Cash dividends | $401,000 | 3,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,855,000 | 973 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,074,000 | 1,214 |
| Total interest expense | $5,439,000 | 1,415 |
| Net interest income | $10,635,000 | 1,069 |
| Provision for loan and lease losses | $440,000 | 1,097 |
| Total noninterest income | $1,218,000 | 1,929 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $653,000 | 1,351 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $565,000 | 2,042 |
| Total noninterest expense | $5,553,000 | 1,616 |
| Salaries and employee benefits | $2,956,000 | 1,670 |
| Premises and equipment expense | $884,000 | 1,474 |
| Additional noninterest expense | $1,713,000 | 1,549 |
| Pre-tax net operating income | $5,860,000 | 885 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,126,000 | 760 |
| Income before extraordinary items | $3,734,000 | 1,025 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,734,000 | 1,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,216 |
| Cash dividends | $267,000 | 3,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,734,000 | 1,009 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,797,000 | 1,226 |
| Total interest expense | $2,534,000 | 1,449 |
| Net interest income | $5,263,000 | 1,073 |
| Provision for loan and lease losses | $300,000 | 761 |
| Total noninterest income | $562,000 | 2,028 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $318,000 | 1,356 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $244,000 | 2,226 |
| Total noninterest expense | $2,491,000 | 1,782 |
| Salaries and employee benefits | $1,297,000 | 1,895 |
| Premises and equipment expense | $419,000 | 1,552 |
| Additional noninterest expense | $775,000 | 1,687 |
| Pre-tax net operating income | $3,034,000 | 838 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,099,000 | 735 |
| Income before extraordinary items | $1,935,000 | 986 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,935,000 | 985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $133,000 | 2,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,935,000 | 966 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,151,000 | 1,323 |
| Total interest expense | $7,645,000 | 1,488 |
| Net interest income | $17,506,000 | 1,240 |
| Provision for loan and lease losses | $1,042,000 | 1,013 |
| Total noninterest income | $2,085,000 | 2,148 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,097,000 | 1,591 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $988,000 | 2,235 |
| Total noninterest expense | $9,405,000 | 1,806 |
| Salaries and employee benefits | $5,213,000 | 1,785 |
| Premises and equipment expense | $1,495,000 | 1,633 |
| Additional noninterest expense | $2,697,000 | 1,876 |
| Pre-tax net operating income | $9,144,000 | 1,056 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,333,000 | 887 |
| Income before extraordinary items | $5,811,000 | 1,240 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,811,000 | 1,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $425,000 | 1,332 |
| Cash dividends | $36,000 | 5,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,811,000 | 1,219 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,661,000 | 1,378 |
| Total interest expense | $5,378,000 | 1,489 |
| Net interest income | $12,283,000 | 1,324 |
| Provision for loan and lease losses | $842,000 | 894 |
| Total noninterest income | $1,502,000 | 2,203 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $783,000 | 1,646 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $719,000 | 2,285 |
| Total noninterest expense | $6,937,000 | 1,814 |
| Salaries and employee benefits | $3,926,000 | 1,766 |
| Premises and equipment expense | $1,068,000 | 1,707 |
| Additional noninterest expense | $1,943,000 | 1,915 |
| Pre-tax net operating income | $6,006,000 | 1,191 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,184,000 | 995 |
| Income before extraordinary items | $3,822,000 | 1,401 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,822,000 | 1,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 931 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,822,000 | 1,380 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,628,000 | 1,481 |
| Total interest expense | $3,207,000 | 1,573 |
| Net interest income | $7,421,000 | 1,427 |
| Provision for loan and lease losses | $522,000 | 942 |
| Total noninterest income | $943,000 | 2,276 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $504,000 | 1,673 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $439,000 | 2,383 |
| Total noninterest expense | $4,379,000 | 1,891 |
| Salaries and employee benefits | $2,450,000 | 1,857 |
| Premises and equipment expense | $680,000 | 1,761 |
| Additional noninterest expense | $1,249,000 | 1,962 |
| Pre-tax net operating income | $3,463,000 | 1,360 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,253,000 | 1,109 |
| Income before extraordinary items | $2,210,000 | 1,558 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,210,000 | 1,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,220 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,210,000 | 1,534 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,755,000 | 1,655 |
| Total interest expense | $1,395,000 | 1,716 |
| Net interest income | $3,360,000 | 1,583 |
| Provision for loan and lease losses | $326,000 | 709 |
| Total noninterest income | $417,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $229,000 | 1,770 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $188,000 | 2,577 |
| Total noninterest expense | $2,003,000 | 2,066 |
| Salaries and employee benefits | $1,103,000 | 2,071 |
| Premises and equipment expense | $327,000 | 1,835 |
| Additional noninterest expense | $573,000 | 2,136 |
| Pre-tax net operating income | $1,448,000 | 1,567 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $547,000 | 1,244 |
| Income before extraordinary items | $901,000 | 1,879 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $901,000 | 1,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,179 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $901,000 | 1,841 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,494,000 | 2,127 |
| Total interest expense | $4,110,000 | 1,981 |
| Net interest income | $9,384,000 | 2,173 |
| Provision for loan and lease losses | $1,582,000 | 681 |
| Total noninterest income | $1,619,000 | 2,538 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $887,000 | 1,957 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $732,000 | 2,645 |
| Total noninterest expense | $6,674,000 | 2,393 |
| Salaries and employee benefits | $3,668,000 | 2,367 |
| Premises and equipment expense | $1,086,000 | 2,118 |
| Additional noninterest expense | $1,920,000 | 2,516 |
| Pre-tax net operating income | $2,747,000 | 2,771 |
| Securities gains (losses) | $-6,000 | 8,098 |
| Applicable income taxes | $978,000 | 2,194 |
| Income before extraordinary items | $1,763,000 | 3,233 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,763,000 | 3,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,678 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,766,840 | 3,169 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,439,000 | 2,247 |
| Total interest expense | $2,949,000 | 2,028 |
| Net interest income | $6,490,000 | 2,323 |
| Provision for loan and lease losses | $1,082,000 | 729 |
| Total noninterest income | $1,244,000 | 2,513 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $676,000 | 1,946 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $568,000 | 2,600 |
| Total noninterest expense | $4,822,000 | 2,464 |
| Salaries and employee benefits | $2,667,000 | 2,426 |
| Premises and equipment expense | $764,000 | 2,250 |
| Additional noninterest expense | $1,391,000 | 2,545 |
| Pre-tax net operating income | $1,830,000 | 3,105 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $670,000 | 2,392 |
| Income before extraordinary items | $1,160,000 | 3,627 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,160,000 | 3,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,016 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,160,000 | 3,557 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,853,000 | 2,400 |
| Total interest expense | $1,882,000 | 2,101 |
| Net interest income | $3,971,000 | 2,502 |
| Provision for loan and lease losses | $694,000 | 740 |
| Total noninterest income | $894,000 | 2,384 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $437,000 | 1,971 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $457,000 | 2,331 |
| Total noninterest expense | $3,075,000 | 2,561 |
| Salaries and employee benefits | $1,679,000 | 2,565 |
| Premises and equipment expense | $495,000 | 2,317 |
| Additional noninterest expense | $901,000 | 2,614 |
| Pre-tax net operating income | $1,096,000 | 3,322 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $403,000 | 2,544 |
| Income before extraordinary items | $693,000 | 3,867 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $693,000 | 3,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,422 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $693,000 | 3,783 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 2,595 |
| Total interest expense | $874,000 | 2,263 |
| Net interest income | $1,818,000 | 2,724 |
| Provision for loan and lease losses | $297,000 | 855 |
| Total noninterest income | $471,000 | 2,248 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $205,000 | 2,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $266,000 | 2,038 |
| Total noninterest expense | $1,448,000 | 2,722 |
| Salaries and employee benefits | $829,000 | 2,603 |
| Premises and equipment expense | $219,000 | 2,585 |
| Additional noninterest expense | $400,000 | 2,914 |
| Pre-tax net operating income | $544,000 | 3,315 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $198,000 | 2,601 |
| Income before extraordinary items | $346,000 | 3,880 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $346,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,014 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $346,000 | 3,760 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,232,000 | 3,043 |
| Total interest expense | $3,039,000 | 2,832 |
| Net interest income | $6,193,000 | 3,100 |
| Provision for loan and lease losses | $964,000 | 1,228 |
| Total noninterest income | $1,195,000 | 3,304 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $592,000 | 2,718 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $603,000 | 3,239 |
| Total noninterest expense | $5,295,000 | 2,916 |
| Salaries and employee benefits | $3,064,000 | 2,718 |
| Premises and equipment expense | $817,000 | 2,708 |
| Additional noninterest expense | $1,414,000 | 3,252 |
| Pre-tax net operating income | $1,129,000 | 4,832 |
| Securities gains (losses) | $152,000 | 1,550 |
| Applicable income taxes | $446,000 | 3,584 |
| Income before extraordinary items | $835,000 | 5,139 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $835,000 | 5,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $607,000 | 1,379 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $736,200 | 5,300 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,792,000 | 3,136 |
| Total interest expense | $2,237,000 | 2,969 |
| Net interest income | $4,555,000 | 3,159 |
| Provision for loan and lease losses | $346,000 | 2,277 |
| Total noninterest income | $882,000 | 3,428 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $425,000 | 2,827 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $457,000 | 3,299 |
| Total noninterest expense | $3,946,000 | 2,934 |
| Salaries and employee benefits | $2,340,000 | 2,694 |
| Premises and equipment expense | $605,000 | 2,750 |
| Additional noninterest expense | $1,001,000 | 3,393 |
| Pre-tax net operating income | $1,145,000 | 4,215 |
| Securities gains (losses) | $152,000 | 1,415 |
| Applicable income taxes | $482,000 | 3,098 |
| Income before extraordinary items | $815,000 | 4,544 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $815,000 | 4,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,669 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $717,720 | 4,735 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,332,000 | 3,275 |
| Total interest expense | $1,469,000 | 3,110 |
| Net interest income | $2,863,000 | 3,327 |
| Provision for loan and lease losses | $174,000 | 2,792 |
| Total noninterest income | $537,000 | 3,598 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $277,000 | 2,831 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $260,000 | 3,554 |
| Total noninterest expense | $2,531,000 | 3,015 |
| Salaries and employee benefits | $1,484,000 | 2,805 |
| Premises and equipment expense | $389,000 | 2,844 |
| Additional noninterest expense | $658,000 | 3,413 |
| Pre-tax net operating income | $695,000 | 4,448 |
| Securities gains (losses) | $152,000 | 1,222 |
| Applicable income taxes | $310,000 | 3,191 |
| Income before extraordinary items | $537,000 | 4,604 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $537,000 | 4,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $439,720 | 4,949 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,082,000 | 3,407 |
| Total interest expense | $729,000 | 3,201 |
| Net interest income | $1,353,000 | 3,462 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $273,000 | 3,466 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $135,000 | 2,807 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $138,000 | 3,360 |
| Total noninterest expense | $1,268,000 | 2,996 |
| Salaries and employee benefits | $722,000 | 2,876 |
| Premises and equipment expense | $197,000 | 2,795 |
| Additional noninterest expense | $349,000 | 3,200 |
| Pre-tax net operating income | $238,000 | 5,416 |
| Securities gains (losses) | $152,000 | 792 |
| Applicable income taxes | $145,000 | 3,277 |
| Income before extraordinary items | $245,000 | 4,772 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $245,000 | 4,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,771 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $147,720 | 5,875 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,216,000 | 3,571 |
| Total interest expense | $3,335,000 | 3,239 |
| Net interest income | $4,881,000 | 3,737 |
| Provision for loan and lease losses | $616,000 | 2,014 |
| Total noninterest income | $1,091,000 | 3,287 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $460,000 | 3,183 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $631,000 | 2,884 |
| Total noninterest expense | $4,736,000 | 3,066 |
| Salaries and employee benefits | $2,842,000 | 2,769 |
| Premises and equipment expense | $716,000 | 2,945 |
| Additional noninterest expense | $1,178,000 | 3,658 |
| Pre-tax net operating income | $620,000 | 6,355 |
| Securities gains (losses) | $184,000 | 1,223 |
| Applicable income taxes | $295,000 | 4,472 |
| Income before extraordinary items | $509,000 | 6,356 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $509,000 | 6,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,733 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $391,240 | 6,759 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,252,000 | 4,822 |
| Total interest expense | $3,018,000 | 4,708 |
| Net interest income | $3,234,000 | 4,807 |
| Provision for loan and lease losses | $654,000 | 1,771 |
| Total noninterest income | $614,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $229,000 | 4,841 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $385,000 | 3,616 |
| Total noninterest expense | $3,715,000 | 3,650 |
| Salaries and employee benefits | $2,107,000 | 3,444 |
| Premises and equipment expense | $471,000 | 4,094 |
| Additional noninterest expense | $1,137,000 | 3,672 |
| Pre-tax net operating income | $-521,000 | 9,177 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-152,000 | 9,337 |
| Income before extraordinary items | $-369,000 | 9,165 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-369,000 | 9,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,560 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-369,000 | 9,116 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 8,233 |
| Total interest expense | $1,010,000 | 8,200 |
| Net interest income | $1,187,000 | 8,097 |
| Provision for loan and lease losses | $398,000 | 2,292 |
| Total noninterest income | $188,000 | 7,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 5,650 |
| Total noninterest expense | $2,002,000 | 5,680 |
| Salaries and employee benefits | $893,000 | 6,342 |
| Premises and equipment expense | $188,000 | 6,945 |
| Additional noninterest expense | $921,000 | 4,265 |
| Pre-tax net operating income | $-1,025,000 | 9,724 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-362,000 | 9,762 |
| Income before extraordinary items | $-663,000 | 9,645 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-663,000 | 9,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $7,500,000 | 110 |
| Net operating income | $-663,000 | 9,644 |
* 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.