Home > Home Town Bank of Villa Rica > Income and Expense
Home Town Bank of Villa Rica, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $853,000 | 7,690 |
| Total interest expense | $1,042,000 | 5,476 |
| Net interest income | $-189,000 | 8,448 |
| Provision for loan and lease losses | $165,000 | 3,451 |
| Total noninterest income | $-10,000 | 8,367 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $80,000 | 5,243 |
| Trading account gains and fees | $-5,000 | 8,342 |
| Additional Noninterest Income | $-85,000 | 8,377 |
| Total noninterest expense | $914,000 | 6,496 |
| Salaries and employee benefits | $268,000 | 7,666 |
| Premises and equipment expense | $44,000 | 7,818 |
| Additional noninterest expense | $602,000 | 4,183 |
| Pre-tax net operating income | $-1,278,000 | 8,021 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-462,000 | 8,164 |
| Income before extraordinary items | $-816,000 | 7,914 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-816,000 | 7,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,017 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-816,000 | 7,892 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,605,000 | 3,616 |
| Total interest expense | $2,208,000 | 2,073 |
| Net interest income | $397,000 | 7,024 |
| Provision for loan and lease losses | $2,818,000 | 316 |
| Total noninterest income | $36,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $145,000 | 2,698 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-109,000 | 8,456 |
| Total noninterest expense | $1,455,000 | 3,153 |
| Salaries and employee benefits | $550,000 | 4,223 |
| Premises and equipment expense | $129,000 | 4,432 |
| Additional noninterest expense | $776,000 | 1,816 |
| Pre-tax net operating income | $-3,840,000 | 8,418 |
| Securities gains (losses) | $38,000 | 1,241 |
| Applicable income taxes | $-1,450,000 | 8,417 |
| Income before extraordinary items | $-2,352,000 | 8,402 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,352,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,308,000 | 267 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-2,376,320 | 8,401 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,629,000 | 2,582 |
| Total interest expense | $10,474,000 | 1,891 |
| Net interest income | $5,155,000 | 3,897 |
| Provision for loan and lease losses | $6,465,000 | 335 |
| Total noninterest income | $74,000 | 7,813 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $620,000 | 2,608 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-546,000 | 8,526 |
| Total noninterest expense | $5,869,000 | 3,018 |
| Salaries and employee benefits | $2,899,000 | 3,316 |
| Premises and equipment expense | $523,000 | 4,229 |
| Additional noninterest expense | $2,447,000 | 2,214 |
| Pre-tax net operating income | $-7,105,000 | 8,460 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-2,773,000 | 8,471 |
| Income before extraordinary items | $-4,332,000 | 8,440 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,332,000 | 8,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,234,000 | 189 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-4,332,000 | 8,437 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,361,000 | 2,481 |
| Total interest expense | $8,069,000 | 1,843 |
| Net interest income | $4,292,000 | 3,648 |
| Provision for loan and lease losses | $4,214,000 | 295 |
| Total noninterest income | $68,000 | 7,707 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $436,000 | 2,732 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-368,000 | 8,556 |
| Total noninterest expense | $4,427,000 | 2,987 |
| Salaries and employee benefits | $2,287,000 | 3,170 |
| Premises and equipment expense | $391,000 | 4,239 |
| Additional noninterest expense | $1,749,000 | 2,267 |
| Pre-tax net operating income | $-4,281,000 | 8,513 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-1,721,000 | 8,516 |
| Income before extraordinary items | $-2,560,000 | 8,488 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-2,560,000 | 8,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,934,000 | 299 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-2,560,000 | 8,480 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,767,000 | 2,374 |
| Total interest expense | $5,466,000 | 1,824 |
| Net interest income | $3,301,000 | 3,282 |
| Provision for loan and lease losses | $462,000 | 1,094 |
| Total noninterest income | $154,000 | 6,079 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $259,000 | 2,959 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-105,000 | 8,603 |
| Total noninterest expense | $2,874,000 | 3,072 |
| Salaries and employee benefits | $1,504,000 | 3,236 |
| Premises and equipment expense | $262,000 | 4,247 |
| Additional noninterest expense | $1,108,000 | 2,391 |
| Pre-tax net operating income | $119,000 | 7,145 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $5,000 | 5,893 |
| Income before extraordinary items | $114,000 | 7,024 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $114,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,348,000 | 365 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $114,000 | 7,014 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,626,000 | 2,246 |
| Total interest expense | $2,772,000 | 1,787 |
| Net interest income | $1,854,000 | 2,960 |
| Provision for loan and lease losses | $231,000 | 1,037 |
| Total noninterest income | $247,000 | 3,564 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $118,000 | 3,108 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $129,000 | 3,283 |
| Total noninterest expense | $1,459,000 | 3,054 |
| Salaries and employee benefits | $796,000 | 3,099 |
| Premises and equipment expense | $137,000 | 4,125 |
| Additional noninterest expense | $526,000 | 2,502 |
| Pre-tax net operating income | $411,000 | 3,929 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $140,000 | 2,827 |
| Income before extraordinary items | $271,000 | 4,379 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $271,000 | 4,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 543 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $271,000 | 4,364 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,575,000 | 2,123 |
| Total interest expense | $9,587,000 | 1,751 |
| Net interest income | $8,988,000 | 2,514 |
| Provision for loan and lease losses | $10,591,000 | 135 |
| Total noninterest income | $1,009,000 | 3,525 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $434,000 | 3,365 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $575,000 | 3,096 |
| Total noninterest expense | $5,455,000 | 3,103 |
| Salaries and employee benefits | $2,894,000 | 3,233 |
| Premises and equipment expense | $578,000 | 3,872 |
| Additional noninterest expense | $1,983,000 | 2,588 |
| Pre-tax net operating income | $-6,049,000 | 8,666 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-2,422,000 | 8,657 |
| Income before extraordinary items | $-3,627,000 | 8,652 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-3,627,000 | 8,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,677,000 | 304 |
| Cash dividends | $168,000 | 5,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-3,627,000 | 8,645 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,662,000 | 2,148 |
| Total interest expense | $6,777,000 | 1,793 |
| Net interest income | $6,885,000 | 2,495 |
| Provision for loan and lease losses | $1,007,000 | 752 |
| Total noninterest income | $749,000 | 3,551 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $324,000 | 3,399 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $425,000 | 3,107 |
| Total noninterest expense | $4,074,000 | 3,120 |
| Salaries and employee benefits | $2,204,000 | 3,186 |
| Premises and equipment expense | $438,000 | 3,854 |
| Additional noninterest expense | $1,432,000 | 2,665 |
| Pre-tax net operating income | $2,553,000 | 2,606 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $943,000 | 1,965 |
| Income before extraordinary items | $1,610,000 | 3,042 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,610,000 | 3,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 1,193 |
| Cash dividends | $168,000 | 4,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,610,000 | 3,035 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,774,000 | 2,188 |
| Total interest expense | $4,219,000 | 1,820 |
| Net interest income | $4,555,000 | 2,513 |
| Provision for loan and lease losses | $379,000 | 1,212 |
| Total noninterest income | $558,000 | 3,276 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $216,000 | 3,377 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $342,000 | 2,787 |
| Total noninterest expense | $2,705,000 | 3,133 |
| Salaries and employee benefits | $1,480,000 | 3,159 |
| Premises and equipment expense | $295,000 | 3,818 |
| Additional noninterest expense | $930,000 | 2,744 |
| Pre-tax net operating income | $2,029,000 | 2,279 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $756,000 | 1,749 |
| Income before extraordinary items | $1,273,000 | 2,655 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,273,000 | 2,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,922 |
| Cash dividends | $168,000 | 3,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,273,000 | 2,645 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,215,000 | 2,222 |
| Total interest expense | $1,994,000 | 1,827 |
| Net interest income | $2,221,000 | 2,550 |
| Provision for loan and lease losses | $190,000 | 1,193 |
| Total noninterest income | $276,000 | 3,254 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $104,000 | 3,385 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $172,000 | 2,740 |
| Total noninterest expense | $1,347,000 | 3,165 |
| Salaries and employee benefits | $758,000 | 3,115 |
| Premises and equipment expense | $148,000 | 3,826 |
| Additional noninterest expense | $441,000 | 2,859 |
| Pre-tax net operating income | $960,000 | 2,349 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $357,000 | 1,795 |
| Income before extraordinary items | $603,000 | 2,728 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $603,000 | 2,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $42,000 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $603,000 | 2,712 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,119,000 | 2,347 |
| Total interest expense | $6,236,000 | 1,818 |
| Net interest income | $7,883,000 | 2,739 |
| Provision for loan and lease losses | $3,365,000 | 326 |
| Total noninterest income | $1,188,000 | 3,165 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $581,000 | 2,728 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $607,000 | 3,032 |
| Total noninterest expense | $5,229,000 | 3,119 |
| Salaries and employee benefits | $2,759,000 | 3,196 |
| Premises and equipment expense | $624,000 | 3,536 |
| Additional noninterest expense | $1,846,000 | 2,699 |
| Pre-tax net operating income | $477,000 | 6,825 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $135,000 | 5,105 |
| Income before extraordinary items | $342,000 | 7,001 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $342,000 | 7,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,956,000 | 249 |
| Cash dividends | $400,000 | 3,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $342,000 | 6,991 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,071,000 | 2,397 |
| Total interest expense | $4,380,000 | 1,827 |
| Net interest income | $5,691,000 | 2,804 |
| Provision for loan and lease losses | $3,185,000 | 256 |
| Total noninterest income | $893,000 | 3,160 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $456,000 | 2,631 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $437,000 | 3,119 |
| Total noninterest expense | $3,944,000 | 3,070 |
| Salaries and employee benefits | $2,080,000 | 3,158 |
| Premises and equipment expense | $479,000 | 3,460 |
| Additional noninterest expense | $1,385,000 | 2,656 |
| Pre-tax net operating income | $-545,000 | 8,612 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-235,000 | 8,769 |
| Income before extraordinary items | $-310,000 | 8,568 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-310,000 | 8,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,875,000 | 209 |
| Cash dividends | $400,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-310,000 | 8,538 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,333,000 | 2,479 |
| Total interest expense | $2,656,000 | 1,879 |
| Net interest income | $3,677,000 | 2,870 |
| Provision for loan and lease losses | $3,118,000 | 184 |
| Total noninterest income | $584,000 | 3,166 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $311,000 | 2,555 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $273,000 | 3,236 |
| Total noninterest expense | $2,595,000 | 3,083 |
| Salaries and employee benefits | $1,364,000 | 3,194 |
| Premises and equipment expense | $306,000 | 3,565 |
| Additional noninterest expense | $925,000 | 2,632 |
| Pre-tax net operating income | $-1,452,000 | 8,816 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-568,000 | 8,836 |
| Income before extraordinary items | $-884,000 | 8,785 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-884,000 | 8,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,158,000 | 325 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-884,000 | 8,763 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,984,000 | 2,583 |
| Total interest expense | $1,182,000 | 1,993 |
| Net interest income | $1,802,000 | 2,911 |
| Provision for loan and lease losses | $68,000 | 2,703 |
| Total noninterest income | $283,000 | 3,189 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $146,000 | 2,618 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $137,000 | 3,142 |
| Total noninterest expense | $1,275,000 | 3,143 |
| Salaries and employee benefits | $669,000 | 3,246 |
| Premises and equipment expense | $149,000 | 3,665 |
| Additional noninterest expense | $457,000 | 2,648 |
| Pre-tax net operating income | $742,000 | 2,732 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $269,000 | 2,147 |
| Income before extraordinary items | $473,000 | 3,178 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $473,000 | 3,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,124 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $473,000 | 3,137 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,346,000 | 3,006 |
| Total interest expense | $3,194,000 | 2,482 |
| Net interest income | $6,152,000 | 3,233 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $1,319,000 | 2,927 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $722,000 | 2,316 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $597,000 | 2,995 |
| Total noninterest expense | $4,679,000 | 3,314 |
| Salaries and employee benefits | $2,357,000 | 3,504 |
| Premises and equipment expense | $659,000 | 3,279 |
| Additional noninterest expense | $1,663,000 | 2,866 |
| Pre-tax net operating income | $2,612,000 | 2,888 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $849,000 | 2,428 |
| Income before extraordinary items | $1,779,000 | 3,212 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,779,000 | 3,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,844 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,768,120 | 3,165 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,793,000 | 3,055 |
| Total interest expense | $2,195,000 | 2,644 |
| Net interest income | $4,598,000 | 3,237 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $990,000 | 2,949 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $547,000 | 2,323 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $443,000 | 3,014 |
| Total noninterest expense | $3,489,000 | 3,304 |
| Salaries and employee benefits | $1,731,000 | 3,542 |
| Premises and equipment expense | $503,000 | 3,240 |
| Additional noninterest expense | $1,255,000 | 2,809 |
| Pre-tax net operating income | $1,964,000 | 2,926 |
| Securities gains (losses) | $16,000 | 2,442 |
| Applicable income taxes | $603,000 | 2,566 |
| Income before extraordinary items | $1,377,000 | 3,189 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,377,000 | 3,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,312 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,365,800 | 3,132 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,367,000 | 3,137 |
| Total interest expense | $1,424,000 | 2,686 |
| Net interest income | $2,943,000 | 3,319 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $676,000 | 2,909 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $372,000 | 2,281 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $304,000 | 2,962 |
| Total noninterest expense | $2,327,000 | 3,321 |
| Salaries and employee benefits | $1,130,000 | 3,619 |
| Premises and equipment expense | $345,000 | 3,175 |
| Additional noninterest expense | $852,000 | 2,763 |
| Pre-tax net operating income | $1,202,000 | 3,109 |
| Securities gains (losses) | $16,000 | 2,165 |
| Applicable income taxes | $337,000 | 2,873 |
| Income before extraordinary items | $881,000 | 3,278 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $881,000 | 3,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 1,763 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $869,480 | 3,215 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,136,000 | 3,211 |
| Total interest expense | $691,000 | 2,779 |
| Net interest income | $1,445,000 | 3,359 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $331,000 | 2,910 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $184,000 | 2,241 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $147,000 | 2,983 |
| Total noninterest expense | $1,150,000 | 3,340 |
| Salaries and employee benefits | $543,000 | 3,762 |
| Premises and equipment expense | $171,000 | 3,220 |
| Additional noninterest expense | $436,000 | 2,678 |
| Pre-tax net operating income | $581,000 | 3,157 |
| Securities gains (losses) | $15,000 | 1,841 |
| Applicable income taxes | $137,000 | 3,251 |
| Income before extraordinary items | $459,000 | 3,145 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $459,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,675 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $447,450 | 3,099 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,169,000 | 3,379 |
| Total interest expense | $2,558,000 | 3,280 |
| Net interest income | $5,611,000 | 3,370 |
| Provision for loan and lease losses | $679,000 | 1,658 |
| Total noninterest income | $995,000 | 3,736 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $617,000 | 2,646 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $378,000 | 4,080 |
| Total noninterest expense | $4,373,000 | 3,436 |
| Salaries and employee benefits | $2,023,000 | 3,887 |
| Premises and equipment expense | $648,000 | 3,302 |
| Additional noninterest expense | $1,702,000 | 2,755 |
| Pre-tax net operating income | $1,554,000 | 4,035 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $54,000 | 6,222 |
| Income before extraordinary items | $1,503,000 | 3,556 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,503,000 | 3,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $536,000 | 1,522 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,500,090 | 3,407 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,923,000 | 3,528 |
| Total interest expense | $1,903,000 | 3,405 |
| Net interest income | $4,020,000 | 3,517 |
| Provision for loan and lease losses | $679,000 | 1,257 |
| Total noninterest income | $756,000 | 3,766 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $479,000 | 2,573 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $277,000 | 4,179 |
| Total noninterest expense | $3,239,000 | 3,464 |
| Salaries and employee benefits | $1,519,000 | 3,873 |
| Premises and equipment expense | $499,000 | 3,224 |
| Additional noninterest expense | $1,221,000 | 2,843 |
| Pre-tax net operating income | $858,000 | 4,950 |
| Securities gains (losses) | $3,000 | 3,777 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $861,000 | 4,413 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $861,000 | 4,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,735 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $858,000 | 4,246 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,895,000 | 3,587 |
| Total interest expense | $1,268,000 | 3,508 |
| Net interest income | $2,627,000 | 3,559 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $470,000 | 3,882 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $316,000 | 2,549 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $154,000 | 4,535 |
| Total noninterest expense | $2,155,000 | 3,462 |
| Salaries and employee benefits | $994,000 | 3,933 |
| Premises and equipment expense | $338,000 | 3,173 |
| Additional noninterest expense | $823,000 | 2,814 |
| Pre-tax net operating income | $942,000 | 3,653 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $945,000 | 3,097 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $945,000 | 3,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 1,396 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $942,000 | 2,941 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,877,000 | 3,707 |
| Total interest expense | $632,000 | 3,597 |
| Net interest income | $1,245,000 | 3,696 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $186,000 | 4,340 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $139,000 | 2,735 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $47,000 | 5,386 |
| Total noninterest expense | $1,045,000 | 3,535 |
| Salaries and employee benefits | $491,000 | 3,958 |
| Premises and equipment expense | $150,000 | 3,487 |
| Additional noninterest expense | $404,000 | 2,834 |
| Pre-tax net operating income | $386,000 | 4,116 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $389,000 | 3,529 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $389,000 | 3,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 862 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $386,000 | 3,372 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $605,000 | 9,111 |
| Total interest expense | $229,000 | 9,024 |
| Net interest income | $376,000 | 9,114 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $63,000 | 8,837 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $52,000 | 7,490 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $263,000 | 9,271 |
| Salaries and employee benefits | $130,000 | 9,267 |
| Premises and equipment expense | $44,000 | 8,995 |
| Additional noninterest expense | $97,000 | 9,179 |
| Pre-tax net operating income | $176,000 | 8,017 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $27,000 | 6,900 |
| Income before extraordinary items | $149,000 | 8,095 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $149,000 | 8,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,660 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $149,000 | 7,991 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,741,000 | 4,555 |
| Total interest expense | $3,552,000 | 4,160 |
| Net interest income | $3,189,000 | 4,853 |
| Provision for loan and lease losses | $371,000 | 2,775 |
| Total noninterest income | $1,097,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $392,000 | 3,465 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $705,000 | 2,565 |
| Total noninterest expense | $3,297,000 | 4,023 |
| Salaries and employee benefits | $1,940,000 | 3,680 |
| Premises and equipment expense | $452,000 | 4,220 |
| Additional noninterest expense | $905,000 | 4,392 |
| Pre-tax net operating income | $618,000 | 6,109 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $204,000 | 4,990 |
| Income before extraordinary items | $414,000 | 6,499 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $414,000 | 6,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,343 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $414,000 | 6,373 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,284,000 | 5,540 |
| Total interest expense | $2,815,000 | 5,165 |
| Net interest income | $2,469,000 | 5,860 |
| Provision for loan and lease losses | $268,000 | 3,103 |
| Total noninterest income | $939,000 | 3,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $674,000 | 2,432 |
| Total noninterest expense | $3,011,000 | 4,217 |
| Salaries and employee benefits | $1,523,000 | 4,309 |
| Premises and equipment expense | $555,000 | 3,487 |
| Additional noninterest expense | $933,000 | 4,222 |
| Pre-tax net operating income | $129,000 | 8,694 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-122,000 | 9,613 |
| Income before extraordinary items | $251,000 | 7,771 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $251,000 | 7,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,600 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $251,000 | 7,774 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,585,000 | 6,743 |
| Total interest expense | $1,618,000 | 6,692 |
| Net interest income | $1,967,000 | 6,706 |
| Provision for loan and lease losses | $171,000 | 3,952 |
| Total noninterest income | $288,000 | 6,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 6,261 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $1,966,000 | 5,753 |
| Salaries and employee benefits | $938,000 | 6,155 |
| Premises and equipment expense | $407,000 | 4,469 |
| Additional noninterest expense | $621,000 | 5,700 |
| Pre-tax net operating income | $118,000 | 8,984 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $116,000 | 8,853 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $116,000 | 8,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,310 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $118,000 | 8,804 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,162,000 | 8,492 |
| Total interest expense | $864,000 | 8,782 |
| Net interest income | $1,298,000 | 8,127 |
| Provision for loan and lease losses | $222,000 | 3,296 |
| Total noninterest income | $215,000 | 7,399 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 5,497 |
| Total noninterest expense | $1,509,000 | 6,662 |
| Salaries and employee benefits | $800,000 | 6,687 |
| Premises and equipment expense | $273,000 | 5,658 |
| Additional noninterest expense | $436,000 | 6,919 |
| Pre-tax net operating income | $-218,000 | 10,007 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-210,000 | 10,056 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-210,000 | 10,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-218,000 | 10,034 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $268,000 | 10,811 |
| Total interest expense | $37,000 | 10,841 |
| Net interest income | $231,000 | 10,756 |
| Provision for loan and lease losses | $38,000 | 7,082 |
| Total noninterest income | $24,000 | 10,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,432 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,735 |
| Total noninterest expense | $528,000 | 10,025 |
| Salaries and employee benefits | $314,000 | 9,852 |
| Premises and equipment expense | $18,000 | 10,780 |
| Additional noninterest expense | $196,000 | 9,455 |
| Pre-tax net operating income | $-311,000 | 10,642 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-311,000 | 10,677 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-311,000 | 10,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $7,186,000 | 132 |
| Net operating income | $-311,000 | 10,657 |
* 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.