Home > The Scottish Bank > Income and Expense
The Scottish Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,063,000 | 2,801 |
| Total interest expense | $4,111,000 | 2,843 |
| Net interest income | $5,952,000 | 2,743 |
| Provision for loan and lease losses | $1,072,000 | 1,754 |
| Total noninterest income | $507,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $260,000 | 3,774 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $247,000 | 4,047 |
| Total noninterest expense | $4,688,000 | 2,937 |
| Salaries and employee benefits | $2,115,000 | 3,458 |
| Premises and equipment expense | $788,000 | 2,526 |
| Additional noninterest expense | $1,785,000 | 2,379 |
| Pre-tax net operating income | $699,000 | 4,341 |
| Securities gains (losses) | $354,000 | 412 |
| Applicable income taxes | $275,000 | 2,559 |
| Income before extraordinary items | $778,000 | 3,618 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $778,000 | 3,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,686 |
| Cash dividends | $109,000 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $516,040 | 4,527 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,581,000 | 2,890 |
| Total interest expense | $2,780,000 | 2,906 |
| Net interest income | $3,801,000 | 2,834 |
| Provision for loan and lease losses | $628,000 | 1,652 |
| Total noninterest income | $323,000 | 4,471 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $166,000 | 3,860 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $157,000 | 4,231 |
| Total noninterest expense | $3,123,000 | 2,953 |
| Salaries and employee benefits | $1,473,000 | 3,379 |
| Premises and equipment expense | $520,000 | 2,555 |
| Additional noninterest expense | $1,130,000 | 2,463 |
| Pre-tax net operating income | $373,000 | 4,912 |
| Securities gains (losses) | $353,000 | 399 |
| Applicable income taxes | $206,000 | 2,657 |
| Income before extraordinary items | $520,000 | 3,944 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $520,000 | 3,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $109,000 | 4,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $265,840 | 5,127 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,321,000 | 2,941 |
| Total interest expense | $1,544,000 | 2,805 |
| Net interest income | $1,777,000 | 3,021 |
| Provision for loan and lease losses | $86,000 | 2,973 |
| Total noninterest income | $150,000 | 4,614 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $81,000 | 3,870 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $69,000 | 4,449 |
| Total noninterest expense | $1,527,000 | 3,004 |
| Salaries and employee benefits | $778,000 | 3,238 |
| Premises and equipment expense | $243,000 | 2,714 |
| Additional noninterest expense | $506,000 | 2,699 |
| Pre-tax net operating income | $314,000 | 4,049 |
| Securities gains (losses) | $9,000 | 2,013 |
| Applicable income taxes | $76,000 | 3,104 |
| Income before extraordinary items | $247,000 | 4,218 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $247,000 | 4,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $37,000 | 3,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $240,160 | 4,176 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,194,000 | 8,090 |
| Total interest expense | $547,000 | 7,884 |
| Net interest income | $647,000 | 8,138 |
| Provision for loan and lease losses | $40,000 | 5,854 |
| Total noninterest income | $62,000 | 7,922 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $30,000 | 7,022 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $32,000 | 7,491 |
| Total noninterest expense | $516,000 | 8,312 |
| Salaries and employee benefits | $287,000 | 8,301 |
| Premises and equipment expense | $80,000 | 7,963 |
| Additional noninterest expense | $149,000 | 8,261 |
| Pre-tax net operating income | $153,000 | 6,997 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $43,000 | 5,009 |
| Income before extraordinary items | $110,000 | 7,098 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $110,000 | 7,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $110,000 | 7,070 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,622,000 | 3,098 |
| Total interest expense | $4,715,000 | 2,891 |
| Net interest income | $4,907,000 | 3,285 |
| Provision for loan and lease losses | $162,000 | 3,365 |
| Total noninterest income | $521,000 | 4,315 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $241,000 | 3,945 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $280,000 | 3,880 |
| Total noninterest expense | $4,187,000 | 3,121 |
| Salaries and employee benefits | $2,338,000 | 3,105 |
| Premises and equipment expense | $620,000 | 2,993 |
| Additional noninterest expense | $1,229,000 | 3,121 |
| Pre-tax net operating income | $1,079,000 | 4,181 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $274,000 | 3,318 |
| Income before extraordinary items | $805,000 | 4,333 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $805,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,558 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $805,000 | 4,323 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,355,000 | 3,134 |
| Total interest expense | $3,102,000 | 2,928 |
| Net interest income | $3,253,000 | 3,320 |
| Provision for loan and lease losses | $109,000 | 3,174 |
| Total noninterest income | $331,000 | 4,452 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $154,000 | 4,033 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $177,000 | 4,023 |
| Total noninterest expense | $2,759,000 | 3,184 |
| Salaries and employee benefits | $1,558,000 | 3,144 |
| Premises and equipment expense | $409,000 | 3,043 |
| Additional noninterest expense | $792,000 | 3,222 |
| Pre-tax net operating income | $716,000 | 4,265 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $174,000 | 3,453 |
| Income before extraordinary items | $542,000 | 4,375 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $542,000 | 4,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 1,832 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $542,000 | 4,368 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,122,000 | 3,173 |
| Total interest expense | $1,560,000 | 2,883 |
| Net interest income | $1,562,000 | 3,435 |
| Provision for loan and lease losses | $2,000 | 5,657 |
| Total noninterest income | $151,000 | 4,631 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $77,000 | 3,989 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $74,000 | 4,353 |
| Total noninterest expense | $1,331,000 | 3,288 |
| Salaries and employee benefits | $754,000 | 3,251 |
| Premises and equipment expense | $202,000 | 3,085 |
| Additional noninterest expense | $375,000 | 3,346 |
| Pre-tax net operating income | $380,000 | 4,118 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $96,000 | 3,322 |
| Income before extraordinary items | $284,000 | 4,305 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $284,000 | 4,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 1,228 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $284,000 | 4,283 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,908,000 | 3,115 |
| Total interest expense | $5,818,000 | 2,656 |
| Net interest income | $6,090,000 | 3,484 |
| Provision for loan and lease losses | $74,000 | 5,113 |
| Total noninterest income | $791,000 | 4,076 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $324,000 | 3,966 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $467,000 | 3,459 |
| Total noninterest expense | $4,845,000 | 3,436 |
| Salaries and employee benefits | $2,812,000 | 3,312 |
| Premises and equipment expense | $750,000 | 3,157 |
| Additional noninterest expense | $1,283,000 | 3,736 |
| Pre-tax net operating income | $1,962,000 | 3,690 |
| Securities gains (losses) | $-149,000 | 8,314 |
| Applicable income taxes | $536,000 | 3,059 |
| Income before extraordinary items | $1,277,000 | 4,152 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,277,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $200,000 | 4,916 |
| Sale, conversion, retirement of capital stock, net | $198,000 | 765 |
| Net operating income | $1,381,300 | 3,939 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,672,000 | 3,172 |
| Total interest expense | $4,173,000 | 2,680 |
| Net interest income | $4,499,000 | 3,541 |
| Provision for loan and lease losses | $268,000 | 2,369 |
| Total noninterest income | $586,000 | 4,119 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $241,000 | 4,001 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $345,000 | 3,473 |
| Total noninterest expense | $3,727,000 | 3,368 |
| Salaries and employee benefits | $2,076,000 | 3,342 |
| Premises and equipment expense | $586,000 | 3,070 |
| Additional noninterest expense | $1,065,000 | 3,437 |
| Pre-tax net operating income | $1,090,000 | 4,538 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $315,000 | 3,512 |
| Income before extraordinary items | $775,000 | 4,767 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $775,000 | 4,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $188,000 | 604 |
| Net operating income | $775,000 | 4,763 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,458,000 | 3,278 |
| Total interest expense | $2,522,000 | 2,796 |
| Net interest income | $2,936,000 | 3,607 |
| Provision for loan and lease losses | $252,000 | 1,748 |
| Total noninterest income | $297,000 | 4,776 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $167,000 | 3,914 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $130,000 | 4,581 |
| Total noninterest expense | $2,415,000 | 3,442 |
| Salaries and employee benefits | $1,343,000 | 3,444 |
| Premises and equipment expense | $393,000 | 3,044 |
| Additional noninterest expense | $679,000 | 3,574 |
| Pre-tax net operating income | $566,000 | 5,133 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $150,000 | 4,003 |
| Income before extraordinary items | $416,000 | 5,291 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $416,000 | 5,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 676 |
| Net operating income | $416,000 | 5,290 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,543,000 | 3,396 |
| Total interest expense | $1,112,000 | 2,993 |
| Net interest income | $1,431,000 | 3,671 |
| Provision for loan and lease losses | $52,000 | 3,073 |
| Total noninterest income | $142,000 | 4,809 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $80,000 | 3,936 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $62,000 | 4,677 |
| Total noninterest expense | $1,181,000 | 3,521 |
| Salaries and employee benefits | $652,000 | 3,531 |
| Premises and equipment expense | $198,000 | 3,049 |
| Additional noninterest expense | $331,000 | 3,604 |
| Pre-tax net operating income | $340,000 | 4,654 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $98,000 | 3,623 |
| Income before extraordinary items | $242,000 | 4,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $242,000 | 4,923 |
| 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 | $28,000 | 466 |
| Net operating income | $242,000 | 4,902 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,975,000 | 3,425 |
| Total interest expense | $3,278,000 | 3,100 |
| Net interest income | $5,697,000 | 3,575 |
| Provision for loan and lease losses | $132,000 | 4,316 |
| Total noninterest income | $598,000 | 4,793 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $299,000 | 4,195 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $299,000 | 4,341 |
| Total noninterest expense | $4,552,000 | 3,497 |
| Salaries and employee benefits | $2,477,000 | 3,517 |
| Premises and equipment expense | $756,000 | 3,037 |
| Additional noninterest expense | $1,319,000 | 3,575 |
| Pre-tax net operating income | $1,611,000 | 4,216 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $514,000 | 3,329 |
| Income before extraordinary items | $1,100,000 | 4,560 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,100,000 | 4,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,711 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 838 |
| Net operating income | $1,097,960 | 4,531 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,537,000 | 3,456 |
| Total interest expense | $2,321,000 | 3,108 |
| Net interest income | $4,216,000 | 3,609 |
| Provision for loan and lease losses | $128,000 | 3,785 |
| Total noninterest income | $440,000 | 4,871 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $215,000 | 4,306 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $225,000 | 4,353 |
| Total noninterest expense | $3,378,000 | 3,498 |
| Salaries and employee benefits | $1,814,000 | 3,551 |
| Premises and equipment expense | $565,000 | 3,033 |
| Additional noninterest expense | $999,000 | 3,500 |
| Pre-tax net operating income | $1,150,000 | 4,418 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $368,000 | 3,455 |
| Income before extraordinary items | $784,000 | 4,811 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $784,000 | 4,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,099 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 662 |
| Net operating income | $782,640 | 4,784 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,174,000 | 3,506 |
| Total interest expense | $1,428,000 | 3,172 |
| Net interest income | $2,746,000 | 3,650 |
| Provision for loan and lease losses | $71,000 | 3,938 |
| Total noninterest income | $251,000 | 5,208 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $138,000 | 4,336 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $113,000 | 4,941 |
| Total noninterest expense | $2,190,000 | 3,561 |
| Salaries and employee benefits | $1,172,000 | 3,633 |
| Premises and equipment expense | $373,000 | 3,035 |
| Additional noninterest expense | $645,000 | 3,588 |
| Pre-tax net operating income | $736,000 | 4,485 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $235,000 | 3,510 |
| Income before extraordinary items | $501,000 | 4,887 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $501,000 | 4,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,892 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 532 |
| Net operating income | $501,000 | 4,841 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,989,000 | 3,616 |
| Total interest expense | $683,000 | 3,179 |
| Net interest income | $1,306,000 | 3,787 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $130,000 | 5,081 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,644 |
| Total noninterest expense | $1,074,000 | 3,636 |
| Salaries and employee benefits | $580,000 | 3,666 |
| Premises and equipment expense | $184,000 | 3,086 |
| Additional noninterest expense | $310,000 | 3,714 |
| Pre-tax net operating income | $350,000 | 4,592 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $112,000 | 3,590 |
| Income before extraordinary items | $238,000 | 4,983 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $238,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 396 |
| Net operating income | $238,000 | 4,944 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,514,000 | 4,012 |
| Total interest expense | $1,685,000 | 4,169 |
| Net interest income | $4,829,000 | 3,903 |
| Provision for loan and lease losses | $146,000 | 4,313 |
| Total noninterest income | $932,000 | 3,716 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $302,000 | 4,297 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $630,000 | 2,896 |
| Total noninterest expense | $4,421,000 | 3,467 |
| Salaries and employee benefits | $2,538,000 | 3,308 |
| Premises and equipment expense | $741,000 | 2,978 |
| Additional noninterest expense | $1,142,000 | 3,903 |
| Pre-tax net operating income | $1,194,000 | 4,810 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $394,000 | 3,745 |
| Income before extraordinary items | $805,000 | 5,253 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $805,000 | 5,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 8,715 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 668 |
| Net operating income | $801,650 | 5,191 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,699,000 | 4,117 |
| Total interest expense | $1,165,000 | 4,376 |
| Net interest income | $3,534,000 | 3,979 |
| Provision for loan and lease losses | $60,000 | 5,125 |
| Total noninterest income | $783,000 | 3,459 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $224,000 | 4,368 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $559,000 | 2,624 |
| Total noninterest expense | $3,425,000 | 3,349 |
| Salaries and employee benefits | $1,967,000 | 3,180 |
| Premises and equipment expense | $590,000 | 2,821 |
| Additional noninterest expense | $868,000 | 3,841 |
| Pre-tax net operating income | $832,000 | 5,084 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $275,000 | 3,927 |
| Income before extraordinary items | $562,000 | 5,530 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $562,000 | 5,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,695 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 530 |
| Net operating income | $558,650 | 5,476 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,026,000 | 4,222 |
| Total interest expense | $707,000 | 4,643 |
| Net interest income | $2,319,000 | 4,021 |
| Provision for loan and lease losses | $-15,000 | 8,879 |
| Total noninterest income | $530,000 | 3,436 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $150,000 | 4,337 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $380,000 | 2,591 |
| Total noninterest expense | $2,326,000 | 3,323 |
| Salaries and employee benefits | $1,356,000 | 3,114 |
| Premises and equipment expense | $411,000 | 2,726 |
| Additional noninterest expense | $559,000 | 3,959 |
| Pre-tax net operating income | $538,000 | 5,127 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $177,000 | 3,988 |
| Income before extraordinary items | $361,000 | 5,591 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $361,000 | 5,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,736 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 418 |
| Net operating income | $361,000 | 5,506 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 4,315 |
| Total interest expense | $343,000 | 4,766 |
| Net interest income | $1,133,000 | 4,087 |
| Provision for loan and lease losses | $-31,000 | 8,977 |
| Total noninterest income | $228,000 | 3,729 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $74,000 | 4,298 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $154,000 | 2,905 |
| Total noninterest expense | $1,141,000 | 3,380 |
| Salaries and employee benefits | $639,000 | 3,286 |
| Premises and equipment expense | $196,000 | 2,872 |
| Additional noninterest expense | $306,000 | 3,687 |
| Pre-tax net operating income | $251,000 | 5,270 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $84,000 | 4,060 |
| Income before extraordinary items | $167,000 | 5,759 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $167,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,833 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 285 |
| Net operating income | $167,000 | 5,634 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,930,000 | 4,344 |
| Total interest expense | $1,501,000 | 4,870 |
| Net interest income | $4,429,000 | 4,040 |
| Provision for loan and lease losses | $647,000 | 1,749 |
| Total noninterest income | $1,682,000 | 2,609 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $273,000 | 4,525 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,409,000 | 1,904 |
| Total noninterest expense | $4,938,000 | 3,082 |
| Salaries and employee benefits | $2,931,000 | 2,818 |
| Premises and equipment expense | $713,000 | 3,042 |
| Additional noninterest expense | $1,294,000 | 3,505 |
| Pre-tax net operating income | $526,000 | 6,582 |
| Securities gains (losses) | $128,000 | 1,679 |
| Applicable income taxes | $-30,000 | 8,833 |
| Income before extraordinary items | $684,000 | 5,653 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $684,000 | 5,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $482,000 | 1,652 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 785 |
| Net operating income | $556,000 | 5,960 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,465,000 | 4,384 |
| Total interest expense | $1,178,000 | 4,871 |
| Net interest income | $3,287,000 | 4,100 |
| Provision for loan and lease losses | $398,000 | 2,036 |
| Total noninterest income | $1,376,000 | 2,511 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $192,000 | 4,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,184,000 | 1,830 |
| Total noninterest expense | $3,829,000 | 2,993 |
| Salaries and employee benefits | $2,291,000 | 2,730 |
| Premises and equipment expense | $553,000 | 2,959 |
| Additional noninterest expense | $985,000 | 3,440 |
| Pre-tax net operating income | $436,000 | 6,571 |
| Securities gains (losses) | $122,000 | 1,572 |
| Applicable income taxes | $4,000 | 7,286 |
| Income before extraordinary items | $554,000 | 5,591 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $554,000 | 5,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,518 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 613 |
| Net operating income | $433,220 | 6,010 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,969,000 | 4,417 |
| Total interest expense | $826,000 | 4,838 |
| Net interest income | $2,143,000 | 4,179 |
| Provision for loan and lease losses | $294,000 | 1,899 |
| Total noninterest income | $903,000 | 2,526 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $126,000 | 4,731 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $777,000 | 1,825 |
| Total noninterest expense | $2,510,000 | 3,035 |
| Salaries and employee benefits | $1,503,000 | 2,778 |
| Premises and equipment expense | $382,000 | 2,881 |
| Additional noninterest expense | $625,000 | 3,593 |
| Pre-tax net operating income | $242,000 | 6,895 |
| Securities gains (losses) | $106,000 | 1,464 |
| Applicable income taxes | $-8,000 | 8,979 |
| Income before extraordinary items | $356,000 | 5,685 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $356,000 | 5,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 491 |
| Net operating income | $250,000 | 6,318 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,466,000 | 4,486 |
| Total interest expense | $426,000 | 4,847 |
| Net interest income | $1,040,000 | 4,278 |
| Provision for loan and lease losses | $281,000 | 1,010 |
| Total noninterest income | $420,000 | 2,580 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $62,000 | 4,671 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $358,000 | 1,871 |
| Total noninterest expense | $1,205,000 | 3,135 |
| Salaries and employee benefits | $716,000 | 2,898 |
| Premises and equipment expense | $194,000 | 2,827 |
| Additional noninterest expense | $295,000 | 3,698 |
| Pre-tax net operating income | $-26,000 | 8,831 |
| Securities gains (losses) | $106,000 | 966 |
| Applicable income taxes | $-39,000 | 9,160 |
| Income before extraordinary items | $119,000 | 6,565 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $119,000 | 6,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 315 |
| Net operating income | $13,000 | 8,481 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,993,000 | 4,564 |
| Total interest expense | $1,751,000 | 5,229 |
| Net interest income | $4,242,000 | 4,161 |
| Provision for loan and lease losses | $492,000 | 2,408 |
| Total noninterest income | $1,330,000 | 2,854 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $210,000 | 5,091 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,120,000 | 2,026 |
| Total noninterest expense | $4,378,000 | 3,299 |
| Salaries and employee benefits | $2,619,000 | 2,997 |
| Premises and equipment expense | $749,000 | 2,827 |
| Additional noninterest expense | $1,010,000 | 4,142 |
| Pre-tax net operating income | $702,000 | 6,073 |
| Securities gains (losses) | $151,000 | 1,383 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $853,000 | 5,031 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $853,000 | 5,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 2,680 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 795 |
| Net operating income | $702,000 | 5,414 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,385,000 | 5,356 |
| Total interest expense | $2,184,000 | 5,831 |
| Net interest income | $3,201,000 | 4,843 |
| Provision for loan and lease losses | $387,000 | 2,696 |
| Total noninterest income | $1,086,000 | 3,149 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $147,000 | 5,839 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $939,000 | 2,139 |
| Total noninterest expense | $3,802,000 | 3,582 |
| Salaries and employee benefits | $2,320,000 | 3,155 |
| Premises and equipment expense | $647,000 | 3,154 |
| Additional noninterest expense | $835,000 | 4,656 |
| Pre-tax net operating income | $98,000 | 8,338 |
| Securities gains (losses) | $20,000 | 3,157 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $118,000 | 8,228 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $118,000 | 8,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,477 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $98,000 | 8,244 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,424,000 | 6,154 |
| Total interest expense | $1,910,000 | 6,404 |
| Net interest income | $2,514,000 | 5,778 |
| Provision for loan and lease losses | $254,000 | 3,202 |
| Total noninterest income | $493,000 | 4,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 6,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $399,000 | 3,346 |
| Total noninterest expense | $2,664,000 | 4,636 |
| Salaries and employee benefits | $1,526,000 | 4,301 |
| Premises and equipment expense | $464,000 | 4,026 |
| Additional noninterest expense | $674,000 | 5,325 |
| Pre-tax net operating income | $89,000 | 8,838 |
| Securities gains (losses) | $-19,000 | 8,710 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $70,000 | 8,880 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $70,000 | 8,880 |
| 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 | $89,000 | 8,765 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,278,000 | 8,164 |
| Total interest expense | $719,000 | 8,904 |
| Net interest income | $1,559,000 | 7,477 |
| Provision for loan and lease losses | $379,000 | 2,196 |
| Total noninterest income | $192,000 | 7,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,700 |
| Total noninterest expense | $1,988,000 | 5,705 |
| Salaries and employee benefits | $1,006,000 | 5,864 |
| Premises and equipment expense | $347,000 | 4,990 |
| Additional noninterest expense | $635,000 | 5,613 |
| Pre-tax net operating income | $-616,000 | 9,925 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-616,000 | 9,967 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-616,000 | 9,965 |
| 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 | $0 | 1,035 |
| Net operating income | $-616,000 | 9,951 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $749,000 | 10,068 |
| Total interest expense | $137,000 | 10,260 |
| Net interest income | $612,000 | 9,708 |
| Provision for loan and lease losses | $142,000 | 4,297 |
| Total noninterest income | $27,000 | 10,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,918 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,482 |
| Total noninterest expense | $1,577,000 | 6,483 |
| Salaries and employee benefits | $736,000 | 6,996 |
| Premises and equipment expense | $228,000 | 6,289 |
| Additional noninterest expense | $613,000 | 5,665 |
| Pre-tax net operating income | $-1,080,000 | 10,354 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-1,080,000 | 10,370 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-1,080,000 | 10,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $11,561,000 | 80 |
| Net operating income | $-1,080,000 | 10,352 |
* 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.