Home > VantageSouth Bank > Income and Expense
VantageSouth Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,946,000 | 2,480 |
| Total interest expense | $999,000 | 3,083 |
| Net interest income | $6,947,000 | 2,356 |
| Provision for loan and lease losses | $387,000 | 2,639 |
| Total noninterest income | $1,991,000 | 1,796 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $304,000 | 2,945 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,687,000 | 1,417 |
| Total noninterest expense | $6,891,000 | 2,090 |
| Salaries and employee benefits | $3,165,000 | 2,337 |
| Premises and equipment expense | $452,000 | 3,421 |
| Additional noninterest expense | $3,274,000 | 1,543 |
| Pre-tax net operating income | $1,660,000 | 2,696 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-73,000 | 6,885 |
| Income before extraordinary items | $1,733,000 | 2,380 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,733,000 | 2,381 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,733,000 | 2,381 |
| Net charge-offs | $429,000 | 2,374 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 809 |
| Net operating income | $1,733,000 | 2,247 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,946,000 | 2,657 |
| Total interest expense | $641,000 | 3,263 |
| Net interest income | $4,305,000 | 2,526 |
| Provision for loan and lease losses | $267,000 | 2,600 |
| Total noninterest income | $992,000 | 2,167 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $180,000 | 3,174 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $812,000 | 1,740 |
| Total noninterest expense | $4,606,000 | 2,079 |
| Salaries and employee benefits | $1,983,000 | 2,470 |
| Premises and equipment expense | $281,000 | 3,586 |
| Additional noninterest expense | $2,342,000 | 1,454 |
| Pre-tax net operating income | $424,000 | 4,360 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-73,000 | 6,991 |
| Income before extraordinary items | $497,000 | 4,006 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $497,000 | 4,009 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $497,000 | 4,010 |
| Net charge-offs | $261,000 | 2,456 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 725 |
| Net operating income | $497,000 | 3,812 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,943,000 | 3,297 |
| Total interest expense | $279,000 | 3,676 |
| Net interest income | $1,664,000 | 3,181 |
| Provision for loan and lease losses | $189,000 | 2,092 |
| Total noninterest income | $273,000 | 3,098 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $69,000 | 3,673 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $204,000 | 2,623 |
| Total noninterest expense | $2,157,000 | 2,206 |
| Salaries and employee benefits | $755,000 | 3,163 |
| Premises and equipment expense | $113,000 | 4,128 |
| Additional noninterest expense | $1,289,000 | 1,303 |
| Pre-tax net operating income | $-409,000 | 7,009 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-153,000 | 7,201 |
| Income before extraordinary items | $-256,000 | 6,950 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-256,000 | 6,951 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-256,000 | 6,951 |
| Net charge-offs | $243,000 | 1,680 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-256,000 | 6,911 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,374,000 | 4,922 |
| Total interest expense | $761,000 | 5,033 |
| Net interest income | $3,613,000 | 4,802 |
| Provision for loan and lease losses | $-110,000 | 7,265 |
| Total noninterest income | $738,000 | 3,676 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $192,000 | 4,456 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $546,000 | 2,993 |
| Total noninterest expense | $4,372,000 | 3,877 |
| Salaries and employee benefits | $2,034,000 | 4,134 |
| Premises and equipment expense | $220,000 | 5,847 |
| Additional noninterest expense | $2,118,000 | 2,976 |
| Pre-tax net operating income | $89,000 | 5,807 |
| Securities gains (losses) | $17,000 | 3,149 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $106,000 | 5,853 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $106,000 | 5,855 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $106,000 | 5,855 |
| Net charge-offs | $334,000 | 3,680 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 786 |
| Net operating income | $89,000 | 5,800 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,235,000 | 5,017 |
| Total interest expense | $568,000 | 5,151 |
| Net interest income | $2,667,000 | 4,881 |
| Provision for loan and lease losses | $-35,000 | 7,315 |
| Total noninterest income | $570,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $159,000 | 4,289 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $411,000 | 2,996 |
| Total noninterest expense | $2,458,000 | 4,649 |
| Salaries and employee benefits | $1,305,000 | 4,556 |
| Premises and equipment expense | $165,000 | 5,885 |
| Additional noninterest expense | $988,000 | 4,207 |
| Pre-tax net operating income | $814,000 | 3,688 |
| Securities gains (losses) | $17,000 | 2,882 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $831,000 | 3,445 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $831,000 | 3,447 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $831,000 | 3,447 |
| Net charge-offs | $73,000 | 4,697 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 844 |
| Net operating income | $814,000 | 3,365 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,080,000 | 5,148 |
| Total interest expense | $365,000 | 5,335 |
| Net interest income | $1,715,000 | 4,994 |
| Provision for loan and lease losses | $65,000 | 4,826 |
| Total noninterest income | $395,000 | 3,578 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $107,000 | 4,260 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $288,000 | 2,936 |
| Total noninterest expense | $1,615,000 | 4,736 |
| Salaries and employee benefits | $850,000 | 4,656 |
| Premises and equipment expense | $119,000 | 5,787 |
| Additional noninterest expense | $646,000 | 4,323 |
| Pre-tax net operating income | $430,000 | 4,085 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $430,000 | 3,855 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $430,000 | 3,856 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $430,000 | 3,857 |
| Net charge-offs | $75,000 | 4,116 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 788 |
| Net operating income | $430,000 | 3,748 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,004,000 | 5,255 |
| Total interest expense | $174,000 | 5,537 |
| Net interest income | $830,000 | 5,069 |
| Provision for loan and lease losses | $35,000 | 4,507 |
| Total noninterest income | $157,000 | 4,079 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $54,000 | 4,208 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $103,000 | 3,519 |
| Total noninterest expense | $788,000 | 4,832 |
| Salaries and employee benefits | $426,000 | 4,688 |
| Premises and equipment expense | $47,000 | 6,228 |
| Additional noninterest expense | $315,000 | 4,391 |
| Pre-tax net operating income | $164,000 | 4,535 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $164,000 | 4,317 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $164,000 | 4,316 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $164,000 | 4,317 |
| Net charge-offs | $35,000 | 3,634 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 722 |
| Net operating income | $164,000 | 4,257 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,319,000 | 5,213 |
| Total interest expense | $1,180,000 | 4,864 |
| Net interest income | $3,139,000 | 5,245 |
| Provision for loan and lease losses | $3,172,000 | 1,571 |
| Total noninterest income | $-1,125,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $188,000 | 4,528 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,313,000 | 7,520 |
| Total noninterest expense | $3,952,000 | 4,247 |
| Salaries and employee benefits | $2,012,000 | 4,220 |
| Premises and equipment expense | $211,000 | 6,126 |
| Additional noninterest expense | $1,729,000 | 3,629 |
| Pre-tax net operating income | $-5,110,000 | 7,112 |
| Securities gains (losses) | $300,000 | 1,268 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-4,810,000 | 7,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,810,000 | 7,162 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-4,810,000 | 7,162 |
| Net charge-offs | $3,256,000 | 1,399 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $7,332,000 | 99 |
| Net operating income | $-5,110,000 | 7,161 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,260,000 | 5,286 |
| Total interest expense | $979,000 | 4,755 |
| Net interest income | $2,281,000 | 5,383 |
| Provision for loan and lease losses | $2,259,000 | 1,527 |
| Total noninterest income | $312,000 | 4,982 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $138,000 | 4,644 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $174,000 | 4,418 |
| Total noninterest expense | $3,222,000 | 4,028 |
| Salaries and employee benefits | $1,708,000 | 3,895 |
| Premises and equipment expense | $180,000 | 5,931 |
| Additional noninterest expense | $1,334,000 | 3,536 |
| Pre-tax net operating income | $-2,888,000 | 7,185 |
| Securities gains (losses) | $300,000 | 1,085 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-2,588,000 | 7,226 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,588,000 | 7,225 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,588,000 | 7,226 |
| Net charge-offs | $2,184,000 | 1,425 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $7,544,000 | 80 |
| Net operating income | $-2,888,000 | 7,234 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,228,000 | 5,265 |
| Total interest expense | $708,000 | 4,654 |
| Net interest income | $1,520,000 | 5,410 |
| Provision for loan and lease losses | $1,158,000 | 1,788 |
| Total noninterest income | $224,000 | 4,827 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $96,000 | 4,562 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $128,000 | 4,245 |
| Total noninterest expense | $1,806,000 | 4,531 |
| Salaries and employee benefits | $867,000 | 4,695 |
| Premises and equipment expense | $122,000 | 5,928 |
| Additional noninterest expense | $817,000 | 3,744 |
| Pre-tax net operating income | $-1,220,000 | 7,093 |
| Securities gains (losses) | $300,000 | 713 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-920,000 | 7,063 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-920,000 | 7,062 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-920,000 | 7,063 |
| Net charge-offs | $1,058,000 | 1,665 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $7,536,000 | 53 |
| Net operating income | $-1,220,000 | 7,141 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,161,000 | 5,218 |
| Total interest expense | $376,000 | 4,632 |
| Net interest income | $785,000 | 5,346 |
| Provision for loan and lease losses | $61,000 | 4,565 |
| Total noninterest income | $94,000 | 5,156 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $48,000 | 4,553 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $46,000 | 4,823 |
| Total noninterest expense | $766,000 | 5,053 |
| Salaries and employee benefits | $347,000 | 5,389 |
| Premises and equipment expense | $68,000 | 5,804 |
| Additional noninterest expense | $351,000 | 4,147 |
| Pre-tax net operating income | $52,000 | 5,639 |
| Securities gains (losses) | $300,000 | 392 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $352,000 | 2,806 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $352,000 | 2,803 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $352,000 | 2,806 |
| Net charge-offs | $5,000 | 5,141 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $7,220,000 | 37 |
| Net operating income | $52,000 | 5,575 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,945,000 | 5,157 |
| Total interest expense | $1,909,000 | 4,587 |
| Net interest income | $3,036,000 | 5,354 |
| Provision for loan and lease losses | $1,792,000 | 2,630 |
| Total noninterest income | $243,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $153,000 | 5,126 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $90,000 | 5,778 |
| Total noninterest expense | $3,066,000 | 5,109 |
| Salaries and employee benefits | $1,450,000 | 5,300 |
| Premises and equipment expense | $270,000 | 5,883 |
| Additional noninterest expense | $1,346,000 | 4,395 |
| Pre-tax net operating income | $-1,579,000 | 6,473 |
| Securities gains (losses) | $37,000 | 2,782 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,542,000 | 6,583 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,542,000 | 6,583 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,542,000 | 6,583 |
| Net charge-offs | $1,002,000 | 2,857 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 899 |
| Net operating income | $-1,579,000 | 6,593 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 5,184 |
| Total interest expense | $1,489,000 | 4,623 |
| Net interest income | $2,267,000 | 5,387 |
| Provision for loan and lease losses | $963,000 | 2,840 |
| Total noninterest income | $277,000 | 5,342 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $119,000 | 5,092 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $158,000 | 4,673 |
| Total noninterest expense | $2,281,000 | 5,162 |
| Salaries and employee benefits | $1,101,000 | 5,295 |
| Premises and equipment expense | $198,000 | 5,985 |
| Additional noninterest expense | $982,000 | 4,453 |
| Pre-tax net operating income | $-700,000 | 6,468 |
| Securities gains (losses) | $37,000 | 2,446 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-663,000 | 6,544 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-663,000 | 6,546 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-663,000 | 6,545 |
| Net charge-offs | $339,000 | 3,541 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 788 |
| Net operating income | $-700,000 | 6,570 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,508,000 | 5,221 |
| Total interest expense | $1,052,000 | 4,570 |
| Net interest income | $1,456,000 | 5,480 |
| Provision for loan and lease losses | $490,000 | 2,998 |
| Total noninterest income | $184,000 | 5,364 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $97,000 | 4,720 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $87,000 | 5,043 |
| Total noninterest expense | $1,503,000 | 5,247 |
| Salaries and employee benefits | $739,000 | 5,334 |
| Premises and equipment expense | $132,000 | 6,033 |
| Additional noninterest expense | $632,000 | 4,575 |
| Pre-tax net operating income | $-353,000 | 6,492 |
| Securities gains (losses) | $14,000 | 2,468 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-339,000 | 6,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-339,000 | 6,585 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-339,000 | 6,585 |
| Net charge-offs | $253,000 | 3,147 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 775 |
| Net operating income | $-353,000 | 6,584 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,265,000 | 5,244 |
| Total interest expense | $592,000 | 4,387 |
| Net interest income | $673,000 | 5,688 |
| Provision for loan and lease losses | $375,000 | 2,048 |
| Total noninterest income | $88,000 | 5,422 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $38,000 | 5,114 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $50,000 | 4,842 |
| Total noninterest expense | $753,000 | 5,170 |
| Salaries and employee benefits | $393,000 | 5,204 |
| Premises and equipment expense | $71,000 | 5,916 |
| Additional noninterest expense | $289,000 | 4,530 |
| Pre-tax net operating income | $-367,000 | 7,158 |
| Securities gains (losses) | $14,000 | 1,820 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-353,000 | 7,277 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-353,000 | 7,278 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-353,000 | 7,278 |
| Net charge-offs | $178,000 | 2,238 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 582 |
| Net operating income | $-367,000 | 7,254 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,025,000 | 5,445 |
| Total interest expense | $2,784,000 | 4,468 |
| Net interest income | $2,241,000 | 6,164 |
| Provision for loan and lease losses | $1,050,000 | 2,631 |
| Total noninterest income | $355,000 | 5,516 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $154,000 | 5,270 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $201,000 | 4,823 |
| Total noninterest expense | $2,935,000 | 5,190 |
| Salaries and employee benefits | $1,565,000 | 5,212 |
| Premises and equipment expense | $281,000 | 5,954 |
| Additional noninterest expense | $1,089,000 | 4,565 |
| Pre-tax net operating income | $-1,389,000 | 7,171 |
| Securities gains (losses) | $9,000 | 2,546 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-1,380,000 | 7,165 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,380,000 | 7,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $463,000 | 2,903 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $140,000 | 873 |
| Net operating income | $-1,389,000 | 7,273 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,641,000 | 5,619 |
| Total interest expense | $2,000,000 | 4,710 |
| Net interest income | $1,641,000 | 6,263 |
| Provision for loan and lease losses | $547,000 | 2,607 |
| Total noninterest income | $262,000 | 5,641 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $112,000 | 5,359 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $150,000 | 4,951 |
| Total noninterest expense | $2,172,000 | 5,216 |
| Salaries and employee benefits | $1,164,000 | 5,261 |
| Premises and equipment expense | $211,000 | 5,965 |
| Additional noninterest expense | $797,000 | 4,562 |
| Pre-tax net operating income | $-816,000 | 7,439 |
| Securities gains (losses) | $9,000 | 2,413 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-807,000 | 7,410 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-807,000 | 7,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,164 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 757 |
| Net operating income | $-816,000 | 7,532 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,233,000 | 5,888 |
| Total interest expense | $1,242,000 | 5,022 |
| Net interest income | $991,000 | 6,496 |
| Provision for loan and lease losses | $393,000 | 2,183 |
| Total noninterest income | $162,000 | 5,840 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $67,000 | 5,545 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $95,000 | 5,148 |
| Total noninterest expense | $1,388,000 | 5,374 |
| Salaries and employee benefits | $695,000 | 5,618 |
| Premises and equipment expense | $142,000 | 5,979 |
| Additional noninterest expense | $551,000 | 4,445 |
| Pre-tax net operating income | $-628,000 | 7,704 |
| Securities gains (losses) | $9,000 | 2,500 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-619,000 | 7,782 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-619,000 | 7,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,516 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 671 |
| Net operating income | $-628,000 | 7,769 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 6,107 |
| Total interest expense | $585,000 | 5,355 |
| Net interest income | $464,000 | 6,670 |
| Provision for loan and lease losses | $142,000 | 2,253 |
| Total noninterest income | $61,000 | 6,336 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $28,000 | 5,782 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $33,000 | 5,761 |
| Total noninterest expense | $655,000 | 5,564 |
| Salaries and employee benefits | $351,000 | 5,625 |
| Premises and equipment expense | $69,000 | 6,080 |
| Additional noninterest expense | $235,000 | 4,878 |
| Pre-tax net operating income | $-272,000 | 7,870 |
| Securities gains (losses) | $9,000 | 2,013 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-263,000 | 7,934 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-263,000 | 7,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,346 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 548 |
| Net operating income | $-272,000 | 7,917 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,180,000 | 6,733 |
| Total interest expense | $1,730,000 | 6,144 |
| Net interest income | $1,450,000 | 7,184 |
| Provision for loan and lease losses | $294,000 | 3,244 |
| Total noninterest income | $254,000 | 6,363 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $66,000 | 6,500 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $188,000 | 5,191 |
| Total noninterest expense | $2,544,000 | 5,556 |
| Salaries and employee benefits | $1,214,000 | 5,950 |
| Premises and equipment expense | $331,000 | 5,542 |
| Additional noninterest expense | $999,000 | 4,663 |
| Pre-tax net operating income | $-1,134,000 | 8,087 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-1,134,000 | 8,145 |
| Extraordinary gains, net | $-248,000 | 8,523 |
| Net income | $-1,382,000 | 8,203 |
| 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 | $131,000 | 863 |
| Net operating income | $-1,134,000 | 8,135 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,189,000 | 6,941 |
| Total interest expense | $1,165,000 | 6,382 |
| Net interest income | $1,024,000 | 7,342 |
| Provision for loan and lease losses | $238,000 | 2,699 |
| Total noninterest income | $182,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $42,000 | 6,680 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $140,000 | 5,221 |
| Total noninterest expense | $1,818,000 | 5,664 |
| Salaries and employee benefits | $912,000 | 5,923 |
| Premises and equipment expense | $264,000 | 5,379 |
| Additional noninterest expense | $642,000 | 5,079 |
| Pre-tax net operating income | $-850,000 | 8,241 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-850,000 | 8,286 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-850,000 | 8,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-850,000 | 8,279 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,295,000 | 7,225 |
| Total interest expense | $659,000 | 6,738 |
| Net interest income | $636,000 | 7,530 |
| Provision for loan and lease losses | $153,000 | 2,557 |
| Total noninterest income | $117,000 | 6,578 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $24,000 | 6,860 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $93,000 | 5,248 |
| Total noninterest expense | $1,174,000 | 5,794 |
| Salaries and employee benefits | $579,000 | 6,124 |
| Premises and equipment expense | $177,000 | 5,391 |
| Additional noninterest expense | $418,000 | 5,145 |
| Pre-tax net operating income | $-574,000 | 8,337 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-574,000 | 8,366 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-574,000 | 8,365 |
| 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 | $0 | 1,051 |
| Net operating income | $-574,000 | 8,358 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $560,000 | 7,505 |
| Total interest expense | $263,000 | 7,161 |
| Net interest income | $297,000 | 7,660 |
| Provision for loan and lease losses | $65,000 | 2,671 |
| Total noninterest income | $42,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $8,000 | 7,097 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $34,000 | 5,782 |
| Total noninterest expense | $518,000 | 6,193 |
| Salaries and employee benefits | $254,000 | 6,490 |
| Premises and equipment expense | $78,000 | 5,747 |
| Additional noninterest expense | $186,000 | 5,504 |
| Pre-tax net operating income | $-244,000 | 8,352 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-244,000 | 8,380 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-244,000 | 8,378 |
| 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 | $0 | 885 |
| Net operating income | $-244,000 | 8,370 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,250,000 | 8,103 |
| Total interest expense | $497,000 | 7,920 |
| Net interest income | $753,000 | 8,135 |
| Provision for loan and lease losses | $294,000 | 2,842 |
| Total noninterest income | $102,000 | 7,719 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $13,000 | 7,379 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $89,000 | 6,514 |
| Total noninterest expense | $1,655,000 | 6,638 |
| Salaries and employee benefits | $700,000 | 7,282 |
| Premises and equipment expense | $248,000 | 6,236 |
| Additional noninterest expense | $707,000 | 5,605 |
| Pre-tax net operating income | $-1,094,000 | 8,447 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-1,094,000 | 8,481 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,094,000 | 8,480 |
| 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 | $11,650,000 | 186 |
| Net operating income | $-1,094,000 | 8,471 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $774,000 | 8,322 |
| Total interest expense | $295,000 | 8,154 |
| Net interest income | $479,000 | 8,350 |
| Provision for loan and lease losses | $234,000 | 2,549 |
| Total noninterest income | $55,000 | 8,089 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $6,000 | 7,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $49,000 | 6,962 |
| Total noninterest expense | $1,132,000 | 6,885 |
| Salaries and employee benefits | $493,000 | 7,399 |
| Premises and equipment expense | $167,000 | 6,509 |
| Additional noninterest expense | $472,000 | 5,930 |
| Pre-tax net operating income | $-832,000 | 8,539 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-832,000 | 8,573 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-832,000 | 8,572 |
| 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 | $11,651,000 | 137 |
| Net operating income | $-832,000 | 8,564 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $371,000 | 8,545 |
| Total interest expense | $135,000 | 8,401 |
| Net interest income | $236,000 | 8,561 |
| Provision for loan and lease losses | $236,000 | 1,866 |
| Total noninterest income | $25,000 | 8,356 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,325 |
| Total noninterest expense | $703,000 | 7,085 |
| Salaries and employee benefits | $308,000 | 7,581 |
| Premises and equipment expense | $97,000 | 6,830 |
| Additional noninterest expense | $298,000 | 6,104 |
| Pre-tax net operating income | $-678,000 | 8,623 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-678,000 | 8,639 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-678,000 | 8,638 |
| 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 | $11,650,000 | 83 |
| Net operating income | $-678,000 | 8,630 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $120,000 | 8,689 |
| Total interest expense | $54,000 | 8,509 |
| Net interest income | $66,000 | 8,715 |
| Provision for loan and lease losses | $92,000 | 2,109 |
| Total noninterest income | $12,000 | 8,372 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $282,000 | 7,563 |
| Salaries and employee benefits | $141,000 | 7,745 |
| Premises and equipment expense | $22,000 | 7,985 |
| Additional noninterest expense | $119,000 | 6,649 |
| Pre-tax net operating income | $-296,000 | 8,613 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-296,000 | 8,634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-296,000 | 8,633 |
| 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 | $11,483,000 | 38 |
| Net operating income | $-296,000 | 8,626 |
* 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.