Home > GRAYSTONE TOWER BANK > Income and Expense
GRAYSTONE TOWER BANK, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $119,252,000 | 250 |
| Total interest expense | $21,311,000 | 258 |
| Net interest income | $97,941,000 | 255 |
| Provision for loan and lease losses | $5,700,000 | 704 |
| Total noninterest income | $21,034,000 | 359 |
| Gross Fiduciary activities income | $3,317,000 | 191 |
| Service charges on deposit accounts | $4,917,000 | 323 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $12,800,000 | 361 |
| Total noninterest expense | $88,093,000 | 251 |
| Salaries and employee benefits | $43,789,000 | 229 |
| Premises and equipment expense | $15,628,000 | 176 |
| Additional noninterest expense | $28,676,000 | 290 |
| Pre-tax net operating income | $25,182,000 | 307 |
| Securities gains (losses) | $1,866,000 | 251 |
| Applicable income taxes | $8,526,000 | 284 |
| Income before extraordinary items | $18,522,000 | 321 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $18,464,000 | 320 |
| Minority interest net income | $58,000 | 63 |
| Net income of bank and minority interests. | $18,522,000 | 320 |
| Net charge-offs | $7,156,000 | 598 |
| Cash dividends | $3,362,000 | 599 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 686 |
| Net operating income | $17,253,120 | 325 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $90,893,000 | 245 |
| Total interest expense | $15,826,000 | 272 |
| Net interest income | $75,067,000 | 248 |
| Provision for loan and lease losses | $4,450,000 | 686 |
| Total noninterest income | $14,896,000 | 373 |
| Gross Fiduciary activities income | $2,543,000 | 184 |
| Service charges on deposit accounts | $3,367,000 | 354 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $8,986,000 | 372 |
| Total noninterest expense | $68,356,000 | 235 |
| Salaries and employee benefits | $34,177,000 | 216 |
| Premises and equipment expense | $12,353,000 | 172 |
| Additional noninterest expense | $21,826,000 | 278 |
| Pre-tax net operating income | $17,157,000 | 337 |
| Securities gains (losses) | $997,000 | 356 |
| Applicable income taxes | $5,459,000 | 316 |
| Income before extraordinary items | $12,695,000 | 347 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,624,000 | 349 |
| Minority interest net income | $71,000 | 58 |
| Net income of bank and minority interests. | $12,695,000 | 347 |
| Net charge-offs | $6,578,000 | 498 |
| Cash dividends | $1,681,000 | 758 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 712 |
| Net operating income | $11,997,100 | 354 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $60,678,000 | 249 |
| Total interest expense | $10,360,000 | 297 |
| Net interest income | $50,318,000 | 246 |
| Provision for loan and lease losses | $3,150,000 | 648 |
| Total noninterest income | $10,070,000 | 378 |
| Gross Fiduciary activities income | $1,737,000 | 185 |
| Service charges on deposit accounts | $2,468,000 | 318 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,865,000 | 377 |
| Total noninterest expense | $49,151,000 | 227 |
| Salaries and employee benefits | $24,407,000 | 195 |
| Premises and equipment expense | $8,322,000 | 172 |
| Additional noninterest expense | $16,422,000 | 263 |
| Pre-tax net operating income | $8,087,000 | 439 |
| Securities gains (losses) | $80,000 | 1,291 |
| Applicable income taxes | $2,445,000 | 402 |
| Income before extraordinary items | $5,722,000 | 475 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $5,653,000 | 481 |
| Minority interest net income | $69,000 | 57 |
| Net income of bank and minority interests. | $5,722,000 | 475 |
| Net charge-offs | $5,334,000 | 440 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $-28,000 | 7,456 |
| Net operating income | $5,666,000 | 469 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $30,269,000 | 253 |
| Total interest expense | $5,054,000 | 314 |
| Net interest income | $25,215,000 | 246 |
| Provision for loan and lease losses | $1,650,000 | 597 |
| Total noninterest income | $5,232,000 | 360 |
| Gross Fiduciary activities income | $827,000 | 196 |
| Service charges on deposit accounts | $1,215,000 | 324 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,190,000 | 362 |
| Total noninterest expense | $27,146,000 | 213 |
| Salaries and employee benefits | $13,110,000 | 186 |
| Premises and equipment expense | $4,370,000 | 173 |
| Additional noninterest expense | $9,666,000 | 235 |
| Pre-tax net operating income | $1,651,000 | 921 |
| Securities gains (losses) | $80,000 | 608 |
| Applicable income taxes | $518,000 | 728 |
| Income before extraordinary items | $1,213,000 | 998 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,091,000 | 1,126 |
| Minority interest net income | $122,000 | 44 |
| Net income of bank and minority interests. | $1,213,000 | 998 |
| Net charge-offs | $587,000 | 1,207 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $-273,000 | 7,563 |
| Net operating income | $1,157,000 | 1,022 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $76,823,000 | 393 |
| Total interest expense | $20,265,000 | 388 |
| Net interest income | $56,558,000 | 390 |
| Provision for loan and lease losses | $9,050,000 | 722 |
| Total noninterest income | $11,411,000 | 575 |
| Gross Fiduciary activities income | $295,000 | 673 |
| Service charges on deposit accounts | $3,598,000 | 425 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $7,518,000 | 556 |
| Total noninterest expense | $53,860,000 | 404 |
| Salaries and employee benefits | $24,819,000 | 392 |
| Premises and equipment expense | $7,883,000 | 347 |
| Additional noninterest expense | $21,158,000 | 388 |
| Pre-tax net operating income | $5,059,000 | 1,025 |
| Securities gains (losses) | $525,000 | 855 |
| Applicable income taxes | $1,890,000 | 769 |
| Income before extraordinary items | $3,694,000 | 1,171 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,533,000 | 1,213 |
| Minority interest net income | $161,000 | 63 |
| Net income of bank and minority interests. | $3,694,000 | 1,173 |
| Net charge-offs | $4,692,000 | 1,081 |
| Cash dividends | $8,001,000 | 208 |
| Sale, conversion, retirement of capital stock, net | $524,000 | 456 |
| Net operating income | $3,347,500 | 1,223 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $54,951,000 | 414 |
| Total interest expense | $15,304,000 | 398 |
| Net interest income | $39,647,000 | 411 |
| Provision for loan and lease losses | $4,950,000 | 889 |
| Total noninterest income | $7,393,000 | 624 |
| Gross Fiduciary activities income | $68,000 | 871 |
| Service charges on deposit accounts | $2,580,000 | 445 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $4,745,000 | 595 |
| Total noninterest expense | $32,281,000 | 470 |
| Salaries and employee benefits | $15,996,000 | 456 |
| Premises and equipment expense | $5,236,000 | 375 |
| Additional noninterest expense | $11,049,000 | 509 |
| Pre-tax net operating income | $9,809,000 | 434 |
| Securities gains (losses) | $242,000 | 1,226 |
| Applicable income taxes | $3,155,000 | 409 |
| Income before extraordinary items | $6,896,000 | 495 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $6,896,000 | 498 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $6,896,000 | 498 |
| Net charge-offs | $1,928,000 | 1,541 |
| Cash dividends | $5,990,000 | 186 |
| Sale, conversion, retirement of capital stock, net | $289,000 | 448 |
| Net operating income | $6,729,020 | 486 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $36,057,000 | 428 |
| Total interest expense | $10,263,000 | 411 |
| Net interest income | $25,794,000 | 429 |
| Provision for loan and lease losses | $3,350,000 | 877 |
| Total noninterest income | $4,446,000 | 668 |
| Gross Fiduciary activities income | $56,000 | 856 |
| Service charges on deposit accounts | $1,690,000 | 449 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $2,700,000 | 641 |
| Total noninterest expense | $21,278,000 | 479 |
| Salaries and employee benefits | $10,442,000 | 466 |
| Premises and equipment expense | $3,431,000 | 379 |
| Additional noninterest expense | $7,405,000 | 503 |
| Pre-tax net operating income | $5,612,000 | 488 |
| Securities gains (losses) | $4,000 | 2,840 |
| Applicable income taxes | $1,719,000 | 442 |
| Income before extraordinary items | $3,897,000 | 567 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,897,000 | 568 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $3,897,000 | 568 |
| Net charge-offs | $1,426,000 | 1,410 |
| Cash dividends | $3,991,000 | 188 |
| Sale, conversion, retirement of capital stock, net | $261,000 | 342 |
| Net operating income | $3,894,240 | 544 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $17,573,000 | 454 |
| Total interest expense | $5,161,000 | 432 |
| Net interest income | $12,412,000 | 454 |
| Provision for loan and lease losses | $1,450,000 | 914 |
| Total noninterest income | $1,978,000 | 723 |
| Gross Fiduciary activities income | $27,000 | 871 |
| Service charges on deposit accounts | $793,000 | 476 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,158,000 | 708 |
| Total noninterest expense | $9,715,000 | 525 |
| Salaries and employee benefits | $5,099,000 | 477 |
| Premises and equipment expense | $1,696,000 | 400 |
| Additional noninterest expense | $2,920,000 | 632 |
| Pre-tax net operating income | $3,225,000 | 411 |
| Securities gains (losses) | $4,000 | 1,944 |
| Applicable income taxes | $975,000 | 393 |
| Income before extraordinary items | $2,254,000 | 483 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,254,000 | 485 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $2,254,000 | 485 |
| Net charge-offs | $253,000 | 2,215 |
| Cash dividends | $1,994,000 | 186 |
| Sale, conversion, retirement of capital stock, net | $232,000 | 213 |
| Net operating income | $2,251,200 | 474 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $56,382,000 | 579 |
| Total interest expense | $19,745,000 | 578 |
| Net interest income | $36,637,000 | 586 |
| Provision for loan and lease losses | $5,216,000 | 1,394 |
| Total noninterest income | $8,521,000 | 728 |
| Gross Fiduciary activities income | $274,000 | 681 |
| Service charges on deposit accounts | $2,351,000 | 714 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $5,896,000 | 631 |
| Total noninterest expense | $33,670,000 | 620 |
| Salaries and employee benefits | $15,841,000 | 597 |
| Premises and equipment expense | $5,479,000 | 485 |
| Additional noninterest expense | $12,350,000 | 659 |
| Pre-tax net operating income | $6,272,000 | 693 |
| Securities gains (losses) | $246,000 | 1,391 |
| Applicable income taxes | $2,162,000 | 528 |
| Income before extraordinary items | $4,356,000 | 790 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,356,000 | 788 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $4,356,000 | 790 |
| Net charge-offs | $1,538,000 | 2,343 |
| Cash dividends | $4,790,000 | 364 |
| Sale, conversion, retirement of capital stock, net | $787,000 | 463 |
| Net operating income | $4,191,180 | 810 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $39,809,000 | 629 |
| Total interest expense | $14,650,000 | 623 |
| Net interest income | $25,159,000 | 641 |
| Provision for loan and lease losses | $3,816,000 | 1,271 |
| Total noninterest income | $5,202,000 | 848 |
| Gross Fiduciary activities income | $152,000 | 746 |
| Service charges on deposit accounts | $1,651,000 | 766 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,399,000 | 784 |
| Total noninterest expense | $23,806,000 | 665 |
| Salaries and employee benefits | $11,524,000 | 635 |
| Premises and equipment expense | $3,664,000 | 555 |
| Additional noninterest expense | $8,618,000 | 666 |
| Pre-tax net operating income | $2,739,000 | 1,183 |
| Securities gains (losses) | $-3,000 | 7,144 |
| Applicable income taxes | $673,000 | 1,124 |
| Income before extraordinary items | $2,063,000 | 1,298 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,063,000 | 1,297 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,063,000 | 1,298 |
| Net charge-offs | $1,443,000 | 1,807 |
| Cash dividends | $2,625,000 | 481 |
| Sale, conversion, retirement of capital stock, net | $844,000 | 372 |
| Net operating income | $2,065,250 | 1,268 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $24,080,000 | 720 |
| Total interest expense | $9,419,000 | 688 |
| Net interest income | $14,661,000 | 723 |
| Provision for loan and lease losses | $3,016,000 | 1,083 |
| Total noninterest income | $3,314,000 | 893 |
| Gross Fiduciary activities income | $97,000 | 771 |
| Service charges on deposit accounts | $881,000 | 965 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,336,000 | 775 |
| Total noninterest expense | $15,158,000 | 708 |
| Salaries and employee benefits | $7,286,000 | 685 |
| Premises and equipment expense | $2,202,000 | 633 |
| Additional noninterest expense | $5,670,000 | 685 |
| Pre-tax net operating income | $-199,000 | 6,274 |
| Securities gains (losses) | $-3,000 | 7,398 |
| Applicable income taxes | $-166,000 | 7,268 |
| Income before extraordinary items | $-36,000 | 6,030 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-36,000 | 6,030 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-36,000 | 6,030 |
| Net charge-offs | $1,210,000 | 1,506 |
| Cash dividends | $1,416,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $844,000 | 304 |
| Net operating income | $-34,080 | 5,962 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $8,423,000 | 1,051 |
| Total interest expense | $4,017,000 | 837 |
| Net interest income | $4,406,000 | 1,256 |
| Provision for loan and lease losses | $2,366,000 | 666 |
| Total noninterest income | $948,000 | 1,342 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $263,000 | 1,543 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $685,000 | 1,133 |
| Total noninterest expense | $5,574,000 | 916 |
| Salaries and employee benefits | $2,517,000 | 1,002 |
| Premises and equipment expense | $732,000 | 980 |
| Additional noninterest expense | $2,325,000 | 732 |
| Pre-tax net operating income | $-2,586,000 | 7,909 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-919,000 | 7,986 |
| Income before extraordinary items | $-1,667,000 | 7,854 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,667,000 | 7,855 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,667,000 | 7,855 |
| Net charge-offs | $622,000 | 1,230 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $844,000 | 172 |
| Net operating income | $-1,667,000 | 7,848 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $32,124,000 | 1,189 |
| Total interest expense | $16,273,000 | 986 |
| Net interest income | $15,851,000 | 1,403 |
| Provision for loan and lease losses | $2,550,000 | 1,541 |
| Total noninterest income | $3,158,000 | 1,503 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $969,000 | 1,809 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,189,000 | 1,216 |
| Total noninterest expense | $13,802,000 | 1,416 |
| Salaries and employee benefits | $8,121,000 | 1,235 |
| Premises and equipment expense | $2,356,000 | 1,173 |
| Additional noninterest expense | $3,325,000 | 1,842 |
| Pre-tax net operating income | $2,657,000 | 1,998 |
| Securities gains (losses) | $-15,000 | 7,055 |
| Applicable income taxes | $438,000 | 1,981 |
| Income before extraordinary items | $2,204,000 | 1,816 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,204,000 | 1,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $681,000 | 2,402 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $510,000 | 549 |
| Net operating income | $2,216,450 | 1,922 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,498,000 | 1,247 |
| Total interest expense | $12,012,000 | 1,045 |
| Net interest income | $11,486,000 | 1,478 |
| Provision for loan and lease losses | $1,900,000 | 1,225 |
| Total noninterest income | $2,333,000 | 1,577 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $677,000 | 1,923 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,656,000 | 1,264 |
| Total noninterest expense | $10,086,000 | 1,439 |
| Salaries and employee benefits | $5,961,000 | 1,294 |
| Premises and equipment expense | $1,667,000 | 1,229 |
| Additional noninterest expense | $2,458,000 | 1,808 |
| Pre-tax net operating income | $1,833,000 | 2,459 |
| Securities gains (losses) | $-15,000 | 7,383 |
| Applicable income taxes | $168,000 | 3,100 |
| Income before extraordinary items | $1,650,000 | 2,136 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,650,000 | 2,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,877 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $348,000 | 466 |
| Net operating income | $1,663,650 | 2,227 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,123,000 | 1,324 |
| Total interest expense | $7,902,000 | 1,106 |
| Net interest income | $7,221,000 | 1,552 |
| Provision for loan and lease losses | $1,225,000 | 1,079 |
| Total noninterest income | $1,274,000 | 1,849 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $445,000 | 1,925 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $829,000 | 1,602 |
| Total noninterest expense | $6,544,000 | 1,477 |
| Salaries and employee benefits | $3,948,000 | 1,314 |
| Premises and equipment expense | $1,050,000 | 1,312 |
| Additional noninterest expense | $1,546,000 | 1,867 |
| Pre-tax net operating income | $726,000 | 3,634 |
| Securities gains (losses) | $-15,000 | 8,152 |
| Applicable income taxes | $-195,000 | 7,977 |
| Income before extraordinary items | $906,000 | 2,788 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $906,000 | 2,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,325 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $236,000 | 383 |
| Net operating income | $921,000 | 2,701 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,403,000 | 1,390 |
| Total interest expense | $3,912,000 | 1,191 |
| Net interest income | $3,491,000 | 1,588 |
| Provision for loan and lease losses | $750,000 | 753 |
| Total noninterest income | $644,000 | 1,848 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $217,000 | 1,937 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $427,000 | 1,570 |
| Total noninterest expense | $3,192,000 | 1,503 |
| Salaries and employee benefits | $1,948,000 | 1,339 |
| Premises and equipment expense | $506,000 | 1,368 |
| Additional noninterest expense | $738,000 | 1,910 |
| Pre-tax net operating income | $193,000 | 5,019 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-371,000 | 8,331 |
| Income before extraordinary items | $564,000 | 2,439 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $564,000 | 2,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $121,000 | 290 |
| Net operating income | $564,000 | 2,363 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,307,000 | 1,757 |
| Total interest expense | $13,131,000 | 1,529 |
| Net interest income | $11,176,000 | 2,035 |
| Provision for loan and lease losses | $1,997,000 | 847 |
| Total noninterest income | $1,599,000 | 2,589 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $578,000 | 2,751 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,021,000 | 2,200 |
| Total noninterest expense | $10,654,000 | 1,740 |
| Salaries and employee benefits | $6,874,000 | 1,471 |
| Premises and equipment expense | $1,473,000 | 1,791 |
| Additional noninterest expense | $2,307,000 | 2,342 |
| Pre-tax net operating income | $124,000 | 7,082 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $86,000 | 4,579 |
| Income before extraordinary items | $38,000 | 7,370 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $38,000 | 7,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,179 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $1,072,000 | 421 |
| Net operating income | $38,000 | 7,339 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,951,000 | 1,875 |
| Total interest expense | $9,283,000 | 1,619 |
| Net interest income | $7,668,000 | 2,218 |
| Provision for loan and lease losses | $1,562,000 | 632 |
| Total noninterest income | $1,108,000 | 2,723 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $381,000 | 3,015 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $727,000 | 2,260 |
| Total noninterest expense | $7,740,000 | 1,777 |
| Salaries and employee benefits | $4,956,000 | 1,524 |
| Premises and equipment expense | $1,020,000 | 1,912 |
| Additional noninterest expense | $1,764,000 | 2,247 |
| Pre-tax net operating income | $-526,000 | 8,092 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $163,000 | 3,957 |
| Income before extraordinary items | $-689,000 | 8,225 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-689,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,520 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $786,000 | 347 |
| Net operating income | $-689,000 | 8,216 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,188,000 | 2,072 |
| Total interest expense | $5,564,000 | 1,791 |
| Net interest income | $4,624,000 | 2,441 |
| Provision for loan and lease losses | $1,146,000 | 533 |
| Total noninterest income | $672,000 | 2,919 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $226,000 | 3,240 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $446,000 | 2,425 |
| Total noninterest expense | $5,025,000 | 1,834 |
| Salaries and employee benefits | $3,182,000 | 1,619 |
| Premises and equipment expense | $651,000 | 1,997 |
| Additional noninterest expense | $1,192,000 | 2,225 |
| Pre-tax net operating income | $-875,000 | 8,430 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $45,000 | 4,839 |
| Income before extraordinary items | $-920,000 | 8,468 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-920,000 | 8,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $501,000 | 294 |
| Net operating income | $-920,000 | 8,459 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,549,000 | 2,277 |
| Total interest expense | $2,490,000 | 1,955 |
| Net interest income | $2,059,000 | 2,691 |
| Provision for loan and lease losses | $881,000 | 328 |
| Total noninterest income | $326,000 | 2,955 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $91,000 | 3,638 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $235,000 | 2,309 |
| Total noninterest expense | $2,490,000 | 1,854 |
| Salaries and employee benefits | $1,566,000 | 1,664 |
| Premises and equipment expense | $315,000 | 2,063 |
| Additional noninterest expense | $609,000 | 2,160 |
| Pre-tax net operating income | $-986,000 | 8,588 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-986,000 | 8,595 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-986,000 | 8,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $258,000 | 217 |
| Net operating income | $-986,000 | 8,591 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,614,000 | 3,424 |
| Total interest expense | $5,800,000 | 2,662 |
| Net interest income | $4,814,000 | 4,121 |
| Provision for loan and lease losses | $1,756,000 | 622 |
| Total noninterest income | $370,000 | 5,766 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $204,000 | 4,941 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $166,000 | 5,449 |
| Total noninterest expense | $6,322,000 | 2,754 |
| Salaries and employee benefits | $4,082,000 | 2,402 |
| Premises and equipment expense | $607,000 | 3,736 |
| Additional noninterest expense | $1,633,000 | 3,073 |
| Pre-tax net operating income | $-2,894,000 | 8,627 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-2,894,000 | 8,637 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-2,894,000 | 8,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $2,549,000 | 381 |
| Net operating income | $-2,894,000 | 8,631 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,736,000 | 3,843 |
| Total interest expense | $3,609,000 | 3,039 |
| Net interest income | $3,127,000 | 4,584 |
| Provision for loan and lease losses | $1,276,000 | 616 |
| Total noninterest income | $251,000 | 6,005 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $130,000 | 5,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $121,000 | 5,510 |
| Total noninterest expense | $3,851,000 | 3,260 |
| Salaries and employee benefits | $2,299,000 | 3,056 |
| Premises and equipment expense | $391,000 | 4,156 |
| Additional noninterest expense | $1,161,000 | 3,222 |
| Pre-tax net operating income | $-1,749,000 | 8,680 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-1,749,000 | 8,693 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-1,749,000 | 8,693 |
| 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 | $1,714,000 | 330 |
| Net operating income | $-1,749,000 | 8,682 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,800,000 | 4,279 |
| Total interest expense | $2,028,000 | 3,337 |
| Net interest income | $1,772,000 | 5,076 |
| Provision for loan and lease losses | $1,276,000 | 402 |
| Total noninterest income | $121,000 | 6,657 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $59,000 | 6,001 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,020 |
| Total noninterest expense | $2,382,000 | 3,472 |
| Salaries and employee benefits | $1,388,000 | 3,343 |
| Premises and equipment expense | $258,000 | 4,192 |
| Additional noninterest expense | $736,000 | 3,340 |
| Pre-tax net operating income | $-1,765,000 | 8,750 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-1,765,000 | 8,752 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,765,000 | 8,752 |
| 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 | $1,370,000 | 242 |
| Net operating income | $-1,765,000 | 8,741 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,403,000 | 5,122 |
| Total interest expense | $685,000 | 4,224 |
| Net interest income | $718,000 | 5,729 |
| Provision for loan and lease losses | $750,000 | 338 |
| Total noninterest income | $47,000 | 7,046 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $27,000 | 6,246 |
| Total noninterest expense | $1,122,000 | 3,665 |
| Salaries and employee benefits | $640,000 | 3,586 |
| Premises and equipment expense | $133,000 | 4,114 |
| Additional noninterest expense | $349,000 | 3,464 |
| Pre-tax net operating income | $-1,107,000 | 8,762 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-1,107,000 | 8,766 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,107,000 | 8,765 |
| 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 | $-1,107,000 | 8,756 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $230,000 | 8,745 |
| Total interest expense | $90,000 | 8,637 |
| Net interest income | $140,000 | 8,766 |
| Provision for loan and lease losses | $400,000 | 2,269 |
| Total noninterest income | $5,000 | 8,707 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,000 | 7,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,000 | 8,635 |
| Total noninterest expense | $1,306,000 | 7,211 |
| Salaries and employee benefits | $307,000 | 8,473 |
| Premises and equipment expense | $70,000 | 8,226 |
| Additional noninterest expense | $929,000 | 4,666 |
| Pre-tax net operating income | $-1,561,000 | 8,727 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-1,561,000 | 8,745 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,561,000 | 8,745 |
| 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 | $0 | 934 |
| Net operating income | $-1,561,000 | 8,729 |
* 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.