Home > Volkswagen Bank USA > Income and Expense
Volkswagen Bank USA, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $21,902,000 | 979 |
| Total interest expense | $10,518,000 | 947 |
| Net interest income | $11,384,000 | 986 |
| Provision for loan and lease losses | $-3,252,000 | 8,607 |
| Total noninterest income | $1,366,000 | 1,785 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,366,000 | 1,126 |
| Total noninterest expense | $3,473,000 | 2,621 |
| Salaries and employee benefits | $1,277,000 | 3,692 |
| Premises and equipment expense | $143,000 | 5,942 |
| Additional noninterest expense | $2,053,000 | 1,348 |
| Pre-tax net operating income | $12,529,000 | 454 |
| Securities gains (losses) | $-152,000 | 8,444 |
| Applicable income taxes | $4,338,000 | 426 |
| Income before extraordinary items | $8,039,000 | 492 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,039,000 | 491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $885,000 | 491 |
| Cash dividends | $100,000,000 | 59 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $8,137,800 | 480 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,333,000 | 844 |
| Total interest expense | $5,836,000 | 837 |
| Net interest income | $6,497,000 | 862 |
| Provision for loan and lease losses | $282,000 | 876 |
| Total noninterest income | $1,012,000 | 1,299 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,012,000 | 831 |
| Total noninterest expense | $1,839,000 | 2,489 |
| Salaries and employee benefits | $644,000 | 3,694 |
| Premises and equipment expense | $71,000 | 5,997 |
| Additional noninterest expense | $1,124,000 | 1,213 |
| Pre-tax net operating income | $5,388,000 | 499 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,889,000 | 462 |
| Income before extraordinary items | $3,499,000 | 546 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,499,000 | 545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 455 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $3,499,000 | 534 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $49,757,000 | 771 |
| Total interest expense | $22,853,000 | 733 |
| Net interest income | $26,904,000 | 822 |
| Provision for loan and lease losses | $-1,170,000 | 8,633 |
| Total noninterest income | $4,504,000 | 1,196 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $12,000 | 7,388 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,492,000 | 734 |
| Total noninterest expense | $7,634,000 | 2,321 |
| Salaries and employee benefits | $2,813,000 | 3,310 |
| Premises and equipment expense | $306,000 | 5,701 |
| Additional noninterest expense | $4,515,000 | 1,183 |
| Pre-tax net operating income | $24,944,000 | 462 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $8,739,000 | 433 |
| Income before extraordinary items | $16,205,000 | 495 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $16,205,000 | 494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,087,000 | 638 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $16,205,000 | 488 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $37,445,000 | 771 |
| Total interest expense | $16,894,000 | 737 |
| Net interest income | $20,551,000 | 824 |
| Provision for loan and lease losses | $-540,000 | 8,680 |
| Total noninterest income | $3,477,000 | 1,173 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $9,000 | 7,461 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,468,000 | 722 |
| Total noninterest expense | $5,782,000 | 2,288 |
| Salaries and employee benefits | $2,157,000 | 3,251 |
| Premises and equipment expense | $232,000 | 5,694 |
| Additional noninterest expense | $3,393,000 | 1,193 |
| Pre-tax net operating income | $18,786,000 | 476 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $6,584,000 | 456 |
| Income before extraordinary items | $12,202,000 | 516 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $12,202,000 | 516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $656,000 | 655 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $12,202,000 | 502 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $24,741,000 | 758 |
| Total interest expense | $10,978,000 | 719 |
| Net interest income | $13,763,000 | 825 |
| Provision for loan and lease losses | $-501,000 | 8,715 |
| Total noninterest income | $2,181,000 | 1,230 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $7,000 | 7,483 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,174,000 | 761 |
| Total noninterest expense | $3,856,000 | 2,295 |
| Salaries and employee benefits | $1,489,000 | 3,141 |
| Premises and equipment expense | $155,000 | 5,695 |
| Additional noninterest expense | $2,212,000 | 1,220 |
| Pre-tax net operating income | $12,589,000 | 481 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $4,412,000 | 451 |
| Income before extraordinary items | $8,177,000 | 508 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,177,000 | 507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 633 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $8,177,000 | 498 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,023,000 | 759 |
| Total interest expense | $5,337,000 | 691 |
| Net interest income | $6,686,000 | 848 |
| Provision for loan and lease losses | $-507,000 | 8,745 |
| Total noninterest income | $1,066,000 | 1,222 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $5,000 | 7,423 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,061,000 | 769 |
| Total noninterest expense | $1,741,000 | 2,547 |
| Salaries and employee benefits | $725,000 | 3,234 |
| Premises and equipment expense | $78,000 | 5,692 |
| Additional noninterest expense | $938,000 | 1,405 |
| Pre-tax net operating income | $6,518,000 | 462 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,284,000 | 444 |
| Income before extraordinary items | $4,234,000 | 497 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,234,000 | 496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,499 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $4,234,000 | 487 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $45,011,000 | 716 |
| Total interest expense | $17,976,000 | 639 |
| Net interest income | $27,035,000 | 783 |
| Provision for loan and lease losses | $1,696,000 | 634 |
| Total noninterest income | $3,269,000 | 1,495 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $6,000 | 7,647 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,263,000 | 958 |
| Total noninterest expense | $7,407,000 | 2,261 |
| Salaries and employee benefits | $2,861,000 | 3,103 |
| Premises and equipment expense | $307,000 | 5,665 |
| Additional noninterest expense | $4,239,000 | 1,225 |
| Pre-tax net operating income | $21,201,000 | 509 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $7,432,000 | 478 |
| Income before extraordinary items | $13,769,000 | 549 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $13,769,000 | 549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,226,000 | 358 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $13,769,000 | 534 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $31,438,000 | 741 |
| Total interest expense | $12,778,000 | 631 |
| Net interest income | $18,660,000 | 848 |
| Provision for loan and lease losses | $1,114,000 | 690 |
| Total noninterest income | $2,192,000 | 1,654 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 7,723 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,189,000 | 1,053 |
| Total noninterest expense | $4,947,000 | 2,503 |
| Salaries and employee benefits | $2,152,000 | 3,060 |
| Premises and equipment expense | $229,000 | 5,686 |
| Additional noninterest expense | $2,566,000 | 1,461 |
| Pre-tax net operating income | $14,791,000 | 543 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $5,183,000 | 514 |
| Income before extraordinary items | $9,608,000 | 584 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,608,000 | 584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,468,000 | 379 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $9,608,000 | 568 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $18,694,000 | 818 |
| Total interest expense | $7,968,000 | 636 |
| Net interest income | $10,726,000 | 975 |
| Provision for loan and lease losses | $703,000 | 713 |
| Total noninterest income | $1,303,000 | 1,803 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,000 | 7,732 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,301,000 | 1,110 |
| Total noninterest expense | $3,230,000 | 2,517 |
| Salaries and employee benefits | $1,455,000 | 3,004 |
| Premises and equipment expense | $152,000 | 5,667 |
| Additional noninterest expense | $1,623,000 | 1,536 |
| Pre-tax net operating income | $8,096,000 | 615 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,838,000 | 579 |
| Income before extraordinary items | $5,258,000 | 684 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,258,000 | 684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $794,000 | 434 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,258,000 | 666 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,962,000 | 963 |
| Total interest expense | $3,601,000 | 670 |
| Net interest income | $4,361,000 | 1,206 |
| Provision for loan and lease losses | $289,000 | 820 |
| Total noninterest income | $595,000 | 1,896 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $595,000 | 1,176 |
| Total noninterest expense | $1,505,000 | 2,705 |
| Salaries and employee benefits | $758,000 | 2,901 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $676,000 | 1,823 |
| Pre-tax net operating income | $3,162,000 | 768 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,109,000 | 704 |
| Income before extraordinary items | $2,053,000 | 849 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,053,000 | 850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $405,000 | 411 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,053,000 | 828 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $36,306,000 | 771 |
| Total interest expense | $9,856,000 | 826 |
| Net interest income | $26,450,000 | 737 |
| Provision for loan and lease losses | $4,189,000 | 293 |
| Total noninterest income | $3,004,000 | 1,605 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,004,000 | 984 |
| Total noninterest expense | $6,453,000 | 2,476 |
| Salaries and employee benefits | $2,686,000 | 3,158 |
| Premises and equipment expense | $306,000 | 5,633 |
| Additional noninterest expense | $3,461,000 | 1,437 |
| Pre-tax net operating income | $18,812,000 | 514 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $6,594,000 | 495 |
| Income before extraordinary items | $12,218,000 | 565 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $12,218,000 | 566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,634,000 | 540 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $12,218,000 | 547 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $25,637,000 | 811 |
| Total interest expense | $6,722,000 | 879 |
| Net interest income | $18,915,000 | 772 |
| Provision for loan and lease losses | $3,703,000 | 265 |
| Total noninterest income | $2,240,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,240,000 | 993 |
| Total noninterest expense | $6,013,000 | 1,994 |
| Salaries and employee benefits | $1,887,000 | 3,311 |
| Premises and equipment expense | $231,000 | 5,580 |
| Additional noninterest expense | $3,895,000 | 958 |
| Pre-tax net operating income | $11,439,000 | 611 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $4,013,000 | 583 |
| Income before extraordinary items | $7,426,000 | 687 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $7,426,000 | 688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,187,000 | 504 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $7,426,000 | 658 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $16,644,000 | 820 |
| Total interest expense | $3,981,000 | 984 |
| Net interest income | $12,663,000 | 757 |
| Provision for loan and lease losses | $2,328,000 | 287 |
| Total noninterest income | $1,385,000 | 1,708 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,385,000 | 1,048 |
| Total noninterest expense | $4,491,000 | 1,781 |
| Salaries and employee benefits | $1,275,000 | 3,279 |
| Premises and equipment expense | $154,000 | 5,586 |
| Additional noninterest expense | $3,062,000 | 807 |
| Pre-tax net operating income | $7,229,000 | 633 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,536,000 | 602 |
| Income before extraordinary items | $4,693,000 | 713 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,693,000 | 713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $732,000 | 543 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,693,000 | 679 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,922,000 | 870 |
| Total interest expense | $1,797,000 | 1,110 |
| Net interest income | $6,125,000 | 799 |
| Provision for loan and lease losses | $995,000 | 317 |
| Total noninterest income | $606,000 | 1,864 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $606,000 | 1,130 |
| Total noninterest expense | $2,285,000 | 1,773 |
| Salaries and employee benefits | $635,000 | 3,307 |
| Premises and equipment expense | $79,000 | 5,553 |
| Additional noninterest expense | $1,571,000 | 788 |
| Pre-tax net operating income | $3,451,000 | 648 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,211,000 | 639 |
| Income before extraordinary items | $2,240,000 | 745 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,240,000 | 745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 459 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,240,000 | 689 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $33,179,000 | 842 |
| Total interest expense | $6,450,000 | 1,377 |
| Net interest income | $26,729,000 | 709 |
| Provision for loan and lease losses | $3,709,000 | 407 |
| Total noninterest income | $1,429,000 | 2,942 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,429,000 | 1,893 |
| Total noninterest expense | $6,572,000 | 2,390 |
| Salaries and employee benefits | $2,198,000 | 3,622 |
| Premises and equipment expense | $310,000 | 5,580 |
| Additional noninterest expense | $4,064,000 | 1,222 |
| Pre-tax net operating income | $17,877,000 | 527 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $6,264,000 | 519 |
| Income before extraordinary items | $11,613,000 | 589 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $11,613,000 | 590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,609,000 | 649 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $11,613,000 | 551 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $24,234,000 | 890 |
| Total interest expense | $4,771,000 | 1,456 |
| Net interest income | $19,463,000 | 733 |
| Provision for loan and lease losses | $2,692,000 | 426 |
| Total noninterest income | $970,000 | 3,203 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $970,000 | 2,096 |
| Total noninterest expense | $5,236,000 | 2,261 |
| Salaries and employee benefits | $1,633,000 | 3,642 |
| Premises and equipment expense | $232,000 | 5,560 |
| Additional noninterest expense | $3,371,000 | 1,128 |
| Pre-tax net operating income | $12,505,000 | 561 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $4,392,000 | 568 |
| Income before extraordinary items | $8,113,000 | 641 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $8,113,000 | 642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,224,000 | 608 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $8,113,000 | 591 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,948,000 | 915 |
| Total interest expense | $3,342,000 | 1,444 |
| Net interest income | $12,606,000 | 765 |
| Provision for loan and lease losses | $1,381,000 | 511 |
| Total noninterest income | $548,000 | 3,553 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $548,000 | 2,315 |
| Total noninterest expense | $3,122,000 | 2,499 |
| Salaries and employee benefits | $1,093,000 | 3,627 |
| Premises and equipment expense | $157,000 | 5,505 |
| Additional noninterest expense | $1,872,000 | 1,315 |
| Pre-tax net operating income | $8,651,000 | 547 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $3,028,000 | 552 |
| Income before extraordinary items | $5,623,000 | 619 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,623,000 | 618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,062,000 | 507 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,623,000 | 572 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,077,000 | 914 |
| Total interest expense | $1,665,000 | 1,488 |
| Net interest income | $6,412,000 | 742 |
| Provision for loan and lease losses | $791,000 | 453 |
| Total noninterest income | $161,000 | 4,712 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $161,000 | 3,086 |
| Total noninterest expense | $1,149,000 | 3,278 |
| Salaries and employee benefits | $509,000 | 3,845 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $556,000 | 2,119 |
| Pre-tax net operating income | $4,633,000 | 517 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,622,000 | 534 |
| Income before extraordinary items | $3,011,000 | 586 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,011,000 | 584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $728,000 | 382 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,011,000 | 549 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $36,364,000 | 832 |
| Total interest expense | $10,300,000 | 1,084 |
| Net interest income | $26,064,000 | 727 |
| Provision for loan and lease losses | $1,067,000 | 1,273 |
| Total noninterest income | $477,000 | 5,343 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $477,000 | 3,370 |
| Total noninterest expense | $4,098,000 | 3,506 |
| Salaries and employee benefits | $1,557,000 | 4,556 |
| Premises and equipment expense | $294,000 | 5,653 |
| Additional noninterest expense | $2,247,000 | 2,054 |
| Pre-tax net operating income | $21,376,000 | 452 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $7,490,000 | 447 |
| Income before extraordinary items | $13,886,000 | 491 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $13,886,000 | 494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,132,000 | 854 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 810 |
| Net operating income | $13,886,000 | 470 |
* 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.