Home > Westsound Bank > Income and Expense
Westsound Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,273,000 | 2,642 |
| Total interest expense | $2,769,000 | 1,236 |
| Net interest income | $504,000 | 6,386 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $-1,132,000 | 8,222 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $88,000 | 3,501 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-1,220,000 | 8,225 |
| Total noninterest expense | $3,680,000 | 1,362 |
| Salaries and employee benefits | $1,406,000 | 1,849 |
| Premises and equipment expense | $413,000 | 1,704 |
| Additional noninterest expense | $1,861,000 | 894 |
| Pre-tax net operating income | $-4,308,000 | 7,997 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $12,000 | 3,875 |
| Income before extraordinary items | $-4,320,000 | 8,034 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,320,000 | 8,035 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-4,320,000 | 8,035 |
| Net charge-offs | $3,748,000 | 389 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,320,000 | 8,035 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $20,368,000 | 1,879 |
| Total interest expense | $16,091,000 | 1,001 |
| Net interest income | $4,277,000 | 4,368 |
| Provision for loan and lease losses | $17,379,000 | 409 |
| Total noninterest income | $-1,187,000 | 8,256 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $357,000 | 3,678 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-1,544,000 | 8,264 |
| Total noninterest expense | $15,196,000 | 1,288 |
| Salaries and employee benefits | $6,152,000 | 1,662 |
| Premises and equipment expense | $1,811,000 | 1,533 |
| Additional noninterest expense | $7,233,000 | 895 |
| Pre-tax net operating income | $-29,485,000 | 8,149 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,455,000 | 891 |
| Income before extraordinary items | $-30,940,000 | 8,147 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-30,940,000 | 8,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,482,000 | 274 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-30,940,000 | 8,164 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,547,000 | 1,790 |
| Total interest expense | $12,646,000 | 985 |
| Net interest income | $3,901,000 | 3,858 |
| Provision for loan and lease losses | $11,235,000 | 371 |
| Total noninterest income | $9,000 | 8,124 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $248,000 | 3,864 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-239,000 | 8,310 |
| Total noninterest expense | $10,961,000 | 1,310 |
| Salaries and employee benefits | $4,674,000 | 1,659 |
| Premises and equipment expense | $1,348,000 | 1,548 |
| Additional noninterest expense | $4,939,000 | 922 |
| Pre-tax net operating income | $-18,286,000 | 8,275 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,261,000 | 963 |
| Income before extraordinary items | $-19,547,000 | 8,275 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-19,547,000 | 8,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,213,000 | 382 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-19,547,000 | 8,288 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,323,000 | 1,635 |
| Total interest expense | $9,079,000 | 944 |
| Net interest income | $3,244,000 | 3,283 |
| Provision for loan and lease losses | $11,235,000 | 249 |
| Total noninterest income | $228,000 | 5,185 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $151,000 | 4,042 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $77,000 | 5,474 |
| Total noninterest expense | $7,344,000 | 1,303 |
| Salaries and employee benefits | $3,177,000 | 1,654 |
| Premises and equipment expense | $908,000 | 1,534 |
| Additional noninterest expense | $3,259,000 | 914 |
| Pre-tax net operating income | $-15,107,000 | 8,378 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,261,000 | 769 |
| Income before extraordinary items | $-16,368,000 | 8,387 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-16,368,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,609,000 | 471 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-16,368,000 | 8,385 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,010,000 | 1,477 |
| Total interest expense | $4,835,000 | 946 |
| Net interest income | $2,175,000 | 2,511 |
| Provision for loan and lease losses | $7,690,000 | 181 |
| Total noninterest income | $226,000 | 3,740 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $78,000 | 3,924 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $148,000 | 3,065 |
| Total noninterest expense | $3,321,000 | 1,441 |
| Salaries and employee benefits | $1,501,000 | 1,753 |
| Premises and equipment expense | $449,000 | 1,555 |
| Additional noninterest expense | $1,371,000 | 1,058 |
| Pre-tax net operating income | $-8,610,000 | 8,449 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-2,928,000 | 8,440 |
| Income before extraordinary items | $-5,682,000 | 8,434 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-5,682,000 | 8,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $912,000 | 491 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-5,682,000 | 8,432 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $37,378,000 | 1,138 |
| Total interest expense | $16,912,000 | 1,171 |
| Net interest income | $20,466,000 | 1,082 |
| Provision for loan and lease losses | $15,879,000 | 185 |
| Total noninterest income | $4,344,000 | 1,224 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $381,000 | 3,618 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,963,000 | 830 |
| Total noninterest expense | $15,745,000 | 1,187 |
| Salaries and employee benefits | $9,295,000 | 1,073 |
| Premises and equipment expense | $1,773,000 | 1,505 |
| Additional noninterest expense | $4,677,000 | 1,203 |
| Pre-tax net operating income | $-6,814,000 | 8,459 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-2,625,000 | 8,470 |
| Income before extraordinary items | $-4,189,000 | 8,434 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,189,000 | 8,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 2,142 |
| Cash dividends | $700,000 | 3,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-4,189,000 | 8,430 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $28,486,000 | 1,119 |
| Total interest expense | $12,359,000 | 1,207 |
| Net interest income | $16,127,000 | 1,031 |
| Provision for loan and lease losses | $14,179,000 | 125 |
| Total noninterest income | $3,454,000 | 1,160 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $275,000 | 3,690 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,179,000 | 799 |
| Total noninterest expense | $12,382,000 | 1,130 |
| Salaries and employee benefits | $7,605,000 | 982 |
| Premises and equipment expense | $1,322,000 | 1,505 |
| Additional noninterest expense | $3,455,000 | 1,188 |
| Pre-tax net operating income | $-6,980,000 | 8,537 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-2,324,000 | 8,527 |
| Income before extraordinary items | $-4,656,000 | 8,528 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-4,656,000 | 8,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,537 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-4,656,000 | 8,519 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $18,347,000 | 1,170 |
| Total interest expense | $7,845,000 | 1,277 |
| Net interest income | $10,502,000 | 1,066 |
| Provision for loan and lease losses | $804,000 | 692 |
| Total noninterest income | $2,576,000 | 1,093 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $180,000 | 3,727 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,396,000 | 737 |
| Total noninterest expense | $7,928,000 | 1,194 |
| Salaries and employee benefits | $5,149,000 | 979 |
| Premises and equipment expense | $887,000 | 1,516 |
| Additional noninterest expense | $1,892,000 | 1,443 |
| Pre-tax net operating income | $4,346,000 | 1,099 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,448,000 | 946 |
| Income before extraordinary items | $2,898,000 | 1,236 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,898,000 | 1,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,063 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,898,000 | 1,215 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,637,000 | 1,229 |
| Total interest expense | $3,663,000 | 1,354 |
| Net interest income | $4,974,000 | 1,123 |
| Provision for loan and lease losses | $485,000 | 541 |
| Total noninterest income | $1,345,000 | 1,040 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $84,000 | 3,804 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,261,000 | 684 |
| Total noninterest expense | $3,973,000 | 1,180 |
| Salaries and employee benefits | $2,629,000 | 967 |
| Premises and equipment expense | $453,000 | 1,473 |
| Additional noninterest expense | $891,000 | 1,498 |
| Pre-tax net operating income | $1,861,000 | 1,255 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $545,000 | 1,208 |
| Income before extraordinary items | $1,316,000 | 1,333 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,316,000 | 1,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,734 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,316,000 | 1,326 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,350,000 | 1,404 |
| Total interest expense | $11,219,000 | 1,498 |
| Net interest income | $17,131,000 | 1,335 |
| Provision for loan and lease losses | $1,475,000 | 722 |
| Total noninterest income | $4,665,000 | 1,161 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $256,000 | 4,437 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,409,000 | 745 |
| Total noninterest expense | $13,882,000 | 1,289 |
| Salaries and employee benefits | $9,258,000 | 1,049 |
| Premises and equipment expense | $1,457,000 | 1,744 |
| Additional noninterest expense | $3,167,000 | 1,656 |
| Pre-tax net operating income | $6,439,000 | 1,507 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,157,000 | 1,256 |
| Income before extraordinary items | $4,282,000 | 1,681 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,282,000 | 1,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,914 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,282,000 | 1,674 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,078,000 | 1,478 |
| Total interest expense | $7,681,000 | 1,601 |
| Net interest income | $12,397,000 | 1,398 |
| Provision for loan and lease losses | $1,225,000 | 639 |
| Total noninterest income | $3,693,000 | 1,118 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $180,000 | 4,637 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,513,000 | 717 |
| Total noninterest expense | $9,784,000 | 1,378 |
| Salaries and employee benefits | $6,246,000 | 1,183 |
| Premises and equipment expense | $1,053,000 | 1,804 |
| Additional noninterest expense | $2,485,000 | 1,581 |
| Pre-tax net operating income | $5,081,000 | 1,489 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,701,000 | 1,264 |
| Income before extraordinary items | $3,380,000 | 1,644 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,380,000 | 1,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,214 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,380,000 | 1,629 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,395,000 | 1,569 |
| Total interest expense | $4,569,000 | 1,699 |
| Net interest income | $7,826,000 | 1,474 |
| Provision for loan and lease losses | $785,000 | 656 |
| Total noninterest income | $2,416,000 | 1,138 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $113,000 | 4,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,303,000 | 721 |
| Total noninterest expense | $6,263,000 | 1,442 |
| Salaries and employee benefits | $3,986,000 | 1,246 |
| Premises and equipment expense | $693,000 | 1,822 |
| Additional noninterest expense | $1,584,000 | 1,665 |
| Pre-tax net operating income | $3,194,000 | 1,567 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,071,000 | 1,326 |
| Income before extraordinary items | $2,123,000 | 1,716 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,123,000 | 1,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,763 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,123,000 | 1,701 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,686,000 | 1,676 |
| Total interest expense | $2,110,000 | 1,740 |
| Net interest income | $3,576,000 | 1,606 |
| Provision for loan and lease losses | $305,000 | 757 |
| Total noninterest income | $1,266,000 | 1,071 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,213,000 | 699 |
| Total noninterest expense | $2,989,000 | 1,507 |
| Salaries and employee benefits | $1,927,000 | 1,290 |
| Premises and equipment expense | $334,000 | 1,892 |
| Additional noninterest expense | $728,000 | 1,795 |
| Pre-tax net operating income | $1,548,000 | 1,587 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $519,000 | 1,354 |
| Income before extraordinary items | $1,029,000 | 1,742 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,029,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,029,000 | 1,727 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,686,000 | 2,124 |
| Total interest expense | $5,003,000 | 2,194 |
| Net interest income | $10,683,000 | 2,074 |
| Provision for loan and lease losses | $1,331,000 | 796 |
| Total noninterest income | $5,242,000 | 1,051 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $179,000 | 5,271 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,063,000 | 675 |
| Total noninterest expense | $10,701,000 | 1,600 |
| Salaries and employee benefits | $7,250,000 | 1,281 |
| Premises and equipment expense | $1,119,000 | 2,144 |
| Additional noninterest expense | $2,332,000 | 2,141 |
| Pre-tax net operating income | $3,893,000 | 2,268 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,297,000 | 1,890 |
| Income before extraordinary items | $2,596,000 | 2,524 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,596,000 | 2,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $325,000 | 581 |
| Net operating income | $2,596,000 | 2,495 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,813,000 | 2,242 |
| Total interest expense | $3,301,000 | 2,360 |
| Net interest income | $7,512,000 | 2,190 |
| Provision for loan and lease losses | $859,000 | 879 |
| Total noninterest income | $3,709,000 | 1,108 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $126,000 | 5,431 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,583,000 | 708 |
| Total noninterest expense | $7,259,000 | 1,727 |
| Salaries and employee benefits | $4,836,000 | 1,430 |
| Premises and equipment expense | $780,000 | 2,273 |
| Additional noninterest expense | $1,643,000 | 2,246 |
| Pre-tax net operating income | $3,103,000 | 2,176 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,051,000 | 1,812 |
| Income before extraordinary items | $2,052,000 | 2,436 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,052,000 | 2,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $325,000 | 444 |
| Net operating income | $2,052,000 | 2,406 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,489,000 | 2,424 |
| Total interest expense | $1,883,000 | 2,537 |
| Net interest income | $4,606,000 | 2,352 |
| Provision for loan and lease losses | $558,000 | 887 |
| Total noninterest income | $2,192,000 | 1,184 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $82,000 | 5,439 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,110,000 | 782 |
| Total noninterest expense | $4,507,000 | 1,841 |
| Salaries and employee benefits | $2,965,000 | 1,562 |
| Premises and equipment expense | $490,000 | 2,376 |
| Additional noninterest expense | $1,052,000 | 2,314 |
| Pre-tax net operating income | $1,733,000 | 2,439 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $580,000 | 2,058 |
| Income before extraordinary items | $1,153,000 | 2,748 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,153,000 | 2,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 429 |
| Net operating income | $1,153,000 | 2,704 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,854,000 | 2,690 |
| Total interest expense | $829,000 | 2,708 |
| Net interest income | $2,025,000 | 2,614 |
| Provision for loan and lease losses | $207,000 | 1,108 |
| Total noninterest income | $924,000 | 1,328 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $41,000 | 5,405 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $883,000 | 870 |
| Total noninterest expense | $2,029,000 | 2,038 |
| Salaries and employee benefits | $1,328,000 | 1,736 |
| Premises and equipment expense | $225,000 | 2,590 |
| Additional noninterest expense | $476,000 | 2,549 |
| Pre-tax net operating income | $713,000 | 2,811 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $255,000 | 2,240 |
| Income before extraordinary items | $458,000 | 3,264 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $458,000 | 3,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 319 |
| Net operating income | $458,000 | 3,224 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,954,000 | 3,428 |
| Total interest expense | $1,705,000 | 4,135 |
| Net interest income | $6,249,000 | 3,190 |
| Provision for loan and lease losses | $654,000 | 1,538 |
| Total noninterest income | $2,798,000 | 1,707 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $155,000 | 5,712 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,643,000 | 1,079 |
| Total noninterest expense | $6,226,000 | 2,550 |
| Salaries and employee benefits | $3,952,000 | 2,205 |
| Premises and equipment expense | $792,000 | 2,807 |
| Additional noninterest expense | $1,482,000 | 3,153 |
| Pre-tax net operating income | $2,167,000 | 3,335 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $739,000 | 2,661 |
| Income before extraordinary items | $1,428,000 | 3,752 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,428,000 | 3,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,636 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $3,674,000 | 267 |
| Net operating income | $1,428,000 | 3,699 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,162,000 | 3,836 |
| Total interest expense | $1,101,000 | 4,532 |
| Net interest income | $4,061,000 | 3,556 |
| Provision for loan and lease losses | $420,000 | 1,701 |
| Total noninterest income | $1,887,000 | 1,868 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $129,000 | 5,574 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,758,000 | 1,194 |
| Total noninterest expense | $4,217,000 | 2,783 |
| Salaries and employee benefits | $2,598,000 | 2,481 |
| Premises and equipment expense | $565,000 | 2,932 |
| Additional noninterest expense | $1,054,000 | 3,268 |
| Pre-tax net operating income | $1,311,000 | 3,929 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $448,000 | 3,089 |
| Income before extraordinary items | $863,000 | 4,397 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $863,000 | 4,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,128 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $1,415,000 | 284 |
| Net operating income | $863,000 | 4,323 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,964,000 | 4,291 |
| Total interest expense | $664,000 | 4,816 |
| Net interest income | $2,300,000 | 4,054 |
| Provision for loan and lease losses | $157,000 | 2,627 |
| Total noninterest income | $1,071,000 | 2,091 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $76,000 | 5,812 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $995,000 | 1,324 |
| Total noninterest expense | $2,572,000 | 3,002 |
| Salaries and employee benefits | $1,521,000 | 2,793 |
| Premises and equipment expense | $382,000 | 2,899 |
| Additional noninterest expense | $669,000 | 3,428 |
| Pre-tax net operating income | $642,000 | 4,665 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $220,000 | 3,596 |
| Income before extraordinary items | $422,000 | 5,184 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $422,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,336,000 | 200 |
| Net operating income | $422,000 | 5,096 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,298,000 | 4,722 |
| Total interest expense | $324,000 | 4,940 |
| Net interest income | $974,000 | 4,564 |
| Provision for loan and lease losses | $77,000 | 2,529 |
| Total noninterest income | $420,000 | 2,452 |
| 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 | $365,000 | 1,640 |
| Total noninterest expense | $1,207,000 | 3,214 |
| Salaries and employee benefits | $720,000 | 2,954 |
| Premises and equipment expense | $189,000 | 2,959 |
| Additional noninterest expense | $298,000 | 3,768 |
| Pre-tax net operating income | $110,000 | 6,993 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $39,000 | 5,128 |
| Income before extraordinary items | $71,000 | 7,395 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $71,000 | 7,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,590 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $1,336,000 | 108 |
| Net operating income | $71,000 | 7,309 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,402,000 | 5,316 |
| Total interest expense | $1,110,000 | 5,818 |
| Net interest income | $3,292,000 | 5,003 |
| Provision for loan and lease losses | $231,000 | 3,752 |
| Total noninterest income | $286,000 | 6,689 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $124,000 | 6,218 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $162,000 | 5,688 |
| Total noninterest expense | $2,385,000 | 5,390 |
| Salaries and employee benefits | $1,136,000 | 5,825 |
| Premises and equipment expense | $418,000 | 4,586 |
| Additional noninterest expense | $831,000 | 4,925 |
| Pre-tax net operating income | $962,000 | 5,272 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $333,000 | 4,123 |
| Income before extraordinary items | $631,000 | 5,842 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $631,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,477 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,678,000 | 303 |
| Net operating income | $629,700 | 5,682 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,023,000 | 5,684 |
| Total interest expense | $848,000 | 5,905 |
| Net interest income | $2,175,000 | 5,437 |
| Provision for loan and lease losses | $160,000 | 3,772 |
| Total noninterest income | $202,000 | 6,848 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $90,000 | 6,311 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $112,000 | 5,863 |
| Total noninterest expense | $1,624,000 | 5,703 |
| Salaries and employee benefits | $737,000 | 6,307 |
| Premises and equipment expense | $292,000 | 4,808 |
| Additional noninterest expense | $595,000 | 5,032 |
| Pre-tax net operating income | $593,000 | 5,911 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $204,000 | 4,615 |
| Income before extraordinary items | $391,000 | 6,406 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $391,000 | 6,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,344 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,543,000 | 211 |
| Net operating income | $389,680 | 6,244 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,919,000 | 5,882 |
| Total interest expense | $570,000 | 5,988 |
| Net interest income | $1,349,000 | 5,671 |
| Provision for loan and lease losses | $101,000 | 3,832 |
| Total noninterest income | $119,000 | 7,082 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $54,000 | 6,457 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $65,000 | 6,111 |
| Total noninterest expense | $1,052,000 | 5,818 |
| Salaries and employee benefits | $487,000 | 6,355 |
| Premises and equipment expense | $174,000 | 5,157 |
| Additional noninterest expense | $391,000 | 5,088 |
| Pre-tax net operating income | $315,000 | 6,410 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $107,000 | 5,036 |
| Income before extraordinary items | $208,000 | 6,897 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $208,000 | 6,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $1,976,000 | 154 |
| Net operating income | $208,000 | 6,695 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $936,000 | 5,975 |
| Total interest expense | $279,000 | 6,164 |
| Net interest income | $657,000 | 5,748 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $57,000 | 7,118 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $22,000 | 6,745 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $35,000 | 5,938 |
| Total noninterest expense | $504,000 | 5,970 |
| Salaries and employee benefits | $246,000 | 6,309 |
| Premises and equipment expense | $85,000 | 5,226 |
| Additional noninterest expense | $173,000 | 5,493 |
| Pre-tax net operating income | $155,000 | 6,405 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $53,000 | 5,018 |
| Income before extraordinary items | $102,000 | 6,860 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $102,000 | 6,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,300 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 300 |
| Net operating income | $102,000 | 6,695 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,116,000 | 6,740 |
| Total interest expense | $1,035,000 | 6,843 |
| Net interest income | $2,081,000 | 6,499 |
| Provision for loan and lease losses | $137,000 | 5,105 |
| Total noninterest income | $198,000 | 7,330 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $94,000 | 6,675 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $104,000 | 6,370 |
| Total noninterest expense | $1,716,000 | 6,425 |
| Salaries and employee benefits | $815,000 | 6,831 |
| Premises and equipment expense | $270,000 | 5,893 |
| Additional noninterest expense | $631,000 | 5,757 |
| Pre-tax net operating income | $426,000 | 7,044 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $146,000 | 5,555 |
| Income before extraordinary items | $287,000 | 7,386 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $287,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,568 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 652 |
| Net operating income | $282,380 | 7,306 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,081,000 | 8,135 |
| Total interest expense | $871,000 | 8,281 |
| Net interest income | $1,210,000 | 7,860 |
| Provision for loan and lease losses | $177,000 | 4,440 |
| Total noninterest income | $112,000 | 8,345 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $40,000 | 7,789 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $72,000 | 7,063 |
| Total noninterest expense | $1,132,000 | 7,624 |
| Salaries and employee benefits | $483,000 | 8,256 |
| Premises and equipment expense | $178,000 | 7,095 |
| Additional noninterest expense | $471,000 | 6,644 |
| Pre-tax net operating income | $13,000 | 8,673 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $-1,000 | 8,922 |
| Income before extraordinary items | $15,000 | 8,754 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $15,000 | 8,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,017 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $975,000 | 422 |
| Net operating income | $14,000 | 8,668 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,416,000 | 9,045 |
| Total interest expense | $692,000 | 8,879 |
| Net interest income | $724,000 | 9,056 |
| Provision for loan and lease losses | $95,000 | 5,433 |
| Total noninterest income | $70,000 | 9,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,218 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 7,934 |
| Total noninterest expense | $930,000 | 8,220 |
| Salaries and employee benefits | $407,000 | 8,716 |
| Premises and equipment expense | $154,000 | 7,532 |
| Additional noninterest expense | $369,000 | 7,414 |
| Pre-tax net operating income | $-231,000 | 9,370 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-74,000 | 9,543 |
| Income before extraordinary items | $-157,000 | 9,329 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-157,000 | 9,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-157,000 | 9,330 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $551,000 | 9,936 |
| Total interest expense | $282,000 | 9,822 |
| Net interest income | $269,000 | 10,000 |
| Provision for loan and lease losses | $26,000 | 7,391 |
| Total noninterest income | $22,000 | 9,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,479 |
| Total noninterest expense | $617,000 | 9,271 |
| Salaries and employee benefits | $282,000 | 9,566 |
| Premises and equipment expense | $101,000 | 8,608 |
| Additional noninterest expense | $234,000 | 8,709 |
| Pre-tax net operating income | $-352,000 | 9,746 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-121,000 | 9,950 |
| Income before extraordinary items | $-231,000 | 9,707 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-231,000 | 9,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,621,000 | 322 |
| Net operating income | $-231,000 | 9,684 |
* 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.