Home > ADB Bank dba Allegiance Direct Bank > Income and Expense
ADB Bank dba Allegiance Direct Bank, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,225,000 | 6,167 |
| Total interest expense | $368,000 | 6,685 |
| Net interest income | $1,857,000 | 5,861 |
| Provision for loan and lease losses | $4,000 | 6,940 |
| Total noninterest income | $53,000 | 7,048 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,000 | 6,877 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $52,000 | 5,943 |
| Total noninterest expense | $1,604,000 | 5,904 |
| Salaries and employee benefits | $908,000 | 5,684 |
| Premises and equipment expense | $91,000 | 6,960 |
| Additional noninterest expense | $605,000 | 5,625 |
| Pre-tax net operating income | $302,000 | 4,856 |
| Securities gains (losses) | $4,000 | 3,332 |
| Applicable income taxes | $114,000 | 3,021 |
| Income before extraordinary items | $192,000 | 5,325 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $192,000 | 5,327 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $192,000 | 5,328 |
| Net charge-offs | $14,000 | 6,146 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $189,440 | 5,192 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,512,000 | 6,168 |
| Total interest expense | $273,000 | 6,631 |
| Net interest income | $1,239,000 | 5,879 |
| Provision for loan and lease losses | $1,000 | 6,844 |
| Total noninterest income | $36,000 | 7,092 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,000 | 6,923 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $35,000 | 5,988 |
| Total noninterest expense | $1,088,000 | 5,904 |
| Salaries and employee benefits | $617,000 | 5,659 |
| Premises and equipment expense | $69,000 | 6,856 |
| Additional noninterest expense | $402,000 | 5,649 |
| Pre-tax net operating income | $186,000 | 5,010 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $69,000 | 3,086 |
| Income before extraordinary items | $117,000 | 5,433 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $117,000 | 5,435 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $117,000 | 5,435 |
| Net charge-offs | $11,000 | 5,773 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $117,000 | 5,301 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $783,000 | 6,169 |
| Total interest expense | $161,000 | 6,487 |
| Net interest income | $622,000 | 5,928 |
| Provision for loan and lease losses | $9,000 | 6,179 |
| Total noninterest income | $18,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $0 | 7,028 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $18,000 | 6,058 |
| Total noninterest expense | $546,000 | 5,973 |
| Salaries and employee benefits | $313,000 | 5,701 |
| Premises and equipment expense | $35,000 | 6,925 |
| Additional noninterest expense | $198,000 | 5,729 |
| Pre-tax net operating income | $85,000 | 5,225 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $32,000 | 3,122 |
| Income before extraordinary items | $53,000 | 5,656 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $53,000 | 5,657 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $53,000 | 5,656 |
| Net charge-offs | $9,000 | 4,900 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $53,000 | 5,557 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,972,000 | 5,740 |
| Total interest expense | $977,000 | 6,072 |
| Net interest income | $2,995,000 | 5,388 |
| Provision for loan and lease losses | $65,000 | 6,710 |
| Total noninterest income | $82,000 | 7,131 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,000 | 7,098 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $81,000 | 5,901 |
| Total noninterest expense | $2,561,000 | 5,611 |
| Salaries and employee benefits | $1,530,000 | 5,132 |
| Premises and equipment expense | $149,000 | 6,950 |
| Additional noninterest expense | $882,000 | 5,572 |
| Pre-tax net operating income | $451,000 | 4,106 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $155,000 | 2,583 |
| Income before extraordinary items | $296,000 | 4,485 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $296,000 | 4,484 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $296,000 | 4,485 |
| Net charge-offs | $71,000 | 5,974 |
| Cash dividends | $1,200,000 | 1,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $296,000 | 4,415 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 5,703 |
| Total interest expense | $786,000 | 6,066 |
| Net interest income | $2,300,000 | 5,351 |
| Provision for loan and lease losses | $47,000 | 6,568 |
| Total noninterest income | $47,000 | 7,432 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,000 | 7,158 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $46,000 | 6,305 |
| Total noninterest expense | $1,943,000 | 5,600 |
| Salaries and employee benefits | $1,187,000 | 5,074 |
| Premises and equipment expense | $103,000 | 7,094 |
| Additional noninterest expense | $653,000 | 5,607 |
| Pre-tax net operating income | $357,000 | 4,331 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $133,000 | 2,665 |
| Income before extraordinary items | $224,000 | 4,739 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $224,000 | 4,737 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $224,000 | 4,739 |
| Net charge-offs | $49,000 | 5,697 |
| Cash dividends | $1,200,000 | 1,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $224,000 | 4,675 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,074,000 | 5,741 |
| Total interest expense | $547,000 | 6,100 |
| Net interest income | $1,527,000 | 5,368 |
| Provision for loan and lease losses | $19,000 | 6,717 |
| Total noninterest income | $43,000 | 7,289 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,000 | 7,215 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $42,000 | 6,041 |
| Total noninterest expense | $1,329,000 | 5,574 |
| Salaries and employee benefits | $805,000 | 5,076 |
| Premises and equipment expense | $96,000 | 6,654 |
| Additional noninterest expense | $428,000 | 5,646 |
| Pre-tax net operating income | $222,000 | 4,520 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $83,000 | 2,776 |
| Income before extraordinary items | $139,000 | 4,944 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $139,000 | 4,942 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $139,000 | 4,942 |
| Net charge-offs | $19,000 | 5,648 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $139,000 | 4,850 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 5,705 |
| Total interest expense | $287,000 | 6,102 |
| Net interest income | $785,000 | 5,268 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $26,000 | 7,178 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $0 | 7,262 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $26,000 | 5,845 |
| Total noninterest expense | $679,000 | 5,462 |
| Salaries and employee benefits | $403,000 | 5,130 |
| Premises and equipment expense | $52,000 | 6,557 |
| Additional noninterest expense | $224,000 | 5,279 |
| Pre-tax net operating income | $132,000 | 4,680 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $50,000 | 2,879 |
| Income before extraordinary items | $82,000 | 5,192 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $82,000 | 5,197 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $82,000 | 5,196 |
| Net charge-offs | $4,000 | 5,207 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $82,000 | 5,025 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,541,000 | 5,716 |
| Total interest expense | $1,567,000 | 5,889 |
| Net interest income | $2,974,000 | 5,438 |
| Provision for loan and lease losses | $45,000 | 6,657 |
| Total noninterest income | $97,000 | 7,325 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,298 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $96,000 | 5,974 |
| Total noninterest expense | $2,917,000 | 5,210 |
| Salaries and employee benefits | $1,721,000 | 4,927 |
| Premises and equipment expense | $239,000 | 6,339 |
| Additional noninterest expense | $957,000 | 4,958 |
| Pre-tax net operating income | $109,000 | 5,989 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $38,000 | 3,997 |
| Income before extraordinary items | $71,000 | 5,972 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $71,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,543 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 554 |
| Net operating income | $71,000 | 6,118 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,420,000 | 5,781 |
| Total interest expense | $1,211,000 | 5,943 |
| Net interest income | $2,209,000 | 5,509 |
| Provision for loan and lease losses | $23,000 | 6,429 |
| Total noninterest income | $34,000 | 7,901 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,000 | 7,351 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $33,000 | 7,020 |
| Total noninterest expense | $2,301,000 | 5,029 |
| Salaries and employee benefits | $1,370,000 | 4,759 |
| Premises and equipment expense | $172,000 | 6,447 |
| Additional noninterest expense | $759,000 | 4,711 |
| Pre-tax net operating income | $-81,000 | 6,883 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-30,000 | 7,392 |
| Income before extraordinary items | $-51,000 | 6,700 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-51,000 | 6,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,856 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-51,000 | 6,874 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,280,000 | 5,849 |
| Total interest expense | $819,000 | 6,053 |
| Net interest income | $1,461,000 | 5,537 |
| Provision for loan and lease losses | $11,000 | 6,294 |
| Total noninterest income | $23,000 | 7,974 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,000 | 7,382 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $22,000 | 7,103 |
| Total noninterest expense | $1,564,000 | 4,991 |
| Salaries and employee benefits | $924,000 | 4,766 |
| Premises and equipment expense | $114,000 | 6,502 |
| Additional noninterest expense | $526,000 | 4,583 |
| Pre-tax net operating income | $-91,000 | 7,172 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $23,000 | 4,596 |
| Income before extraordinary items | $-114,000 | 7,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-114,000 | 7,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,448 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-114,000 | 7,245 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 5,893 |
| Total interest expense | $410,000 | 6,197 |
| Net interest income | $749,000 | 5,487 |
| Provision for loan and lease losses | $4,000 | 5,832 |
| Total noninterest income | $3,000 | 8,242 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 7,909 |
| Total noninterest expense | $811,000 | 4,892 |
| Salaries and employee benefits | $473,000 | 4,742 |
| Premises and equipment expense | $54,000 | 6,627 |
| Additional noninterest expense | $284,000 | 4,287 |
| Pre-tax net operating income | $-63,000 | 7,449 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $8,000 | 4,911 |
| Income before extraordinary items | $-71,000 | 7,573 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-71,000 | 7,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-71,000 | 7,520 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,804,000 | 5,820 |
| Total interest expense | $1,510,000 | 6,421 |
| Net interest income | $3,294,000 | 5,239 |
| Provision for loan and lease losses | $-38,000 | 8,292 |
| Total noninterest income | $15,000 | 8,275 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $0 | 7,508 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $15,000 | 7,927 |
| Total noninterest expense | $2,241,000 | 5,897 |
| Salaries and employee benefits | $1,385,000 | 5,543 |
| Premises and equipment expense | $176,000 | 6,974 |
| Additional noninterest expense | $680,000 | 5,806 |
| Pre-tax net operating income | $1,106,000 | 4,530 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $413,000 | 2,984 |
| Income before extraordinary items | $693,000 | 5,074 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $693,000 | 5,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,999 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $693,000 | 5,064 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,627,000 | 5,834 |
| Total interest expense | $1,113,000 | 6,488 |
| Net interest income | $2,514,000 | 5,202 |
| Provision for loan and lease losses | $-2,000 | 8,279 |
| Total noninterest income | $10,000 | 8,337 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $10,000 | 8,023 |
| Total noninterest expense | $1,612,000 | 6,000 |
| Salaries and employee benefits | $952,000 | 5,794 |
| Premises and equipment expense | $132,000 | 6,963 |
| Additional noninterest expense | $528,000 | 5,663 |
| Pre-tax net operating income | $914,000 | 4,558 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $340,000 | 3,020 |
| Income before extraordinary items | $574,000 | 5,099 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $574,000 | 5,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,610 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $574,000 | 5,096 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,347,000 | 5,923 |
| Total interest expense | $731,000 | 6,529 |
| Net interest income | $1,616,000 | 5,341 |
| Provision for loan and lease losses | $-3,000 | 8,322 |
| Total noninterest income | $6,000 | 8,416 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $6,000 | 8,115 |
| Total noninterest expense | $1,044,000 | 6,126 |
| Salaries and employee benefits | $597,000 | 6,036 |
| Premises and equipment expense | $85,000 | 7,042 |
| Additional noninterest expense | $362,000 | 5,588 |
| Pre-tax net operating income | $581,000 | 4,744 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $215,000 | 3,174 |
| Income before extraordinary items | $366,000 | 5,262 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $366,000 | 5,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $366,000 | 5,252 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,139,000 | 6,007 |
| Total interest expense | $342,000 | 6,687 |
| Net interest income | $797,000 | 5,392 |
| Provision for loan and lease losses | $16,000 | 4,567 |
| Total noninterest income | $13,000 | 8,149 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $13,000 | 7,127 |
| Total noninterest expense | $540,000 | 6,074 |
| Salaries and employee benefits | $362,000 | 5,485 |
| Premises and equipment expense | $40,000 | 7,184 |
| Additional noninterest expense | $138,000 | 6,346 |
| Pre-tax net operating income | $254,000 | 5,014 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $84,000 | 3,516 |
| Income before extraordinary items | $170,000 | 5,406 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $170,000 | 5,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $170,000 | 5,392 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,608,000 | 6,355 |
| Total interest expense | $977,000 | 6,985 |
| Net interest income | $2,631,000 | 5,869 |
| Provision for loan and lease losses | $66,000 | 5,233 |
| Total noninterest income | $110,000 | 7,640 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $110,000 | 6,170 |
| Total noninterest expense | $1,914,000 | 6,278 |
| Salaries and employee benefits | $1,193,000 | 5,938 |
| Premises and equipment expense | $149,000 | 7,272 |
| Additional noninterest expense | $572,000 | 6,187 |
| Pre-tax net operating income | $761,000 | 5,749 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $278,000 | 3,905 |
| Income before extraordinary items | $483,000 | 6,214 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $483,000 | 6,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,576 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 407 |
| Net operating income | $483,000 | 6,216 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,509,000 | 6,541 |
| Total interest expense | $654,000 | 7,176 |
| Net interest income | $1,855,000 | 6,118 |
| Provision for loan and lease losses | $66,000 | 4,743 |
| Total noninterest income | $88,000 | 7,656 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $88,000 | 6,064 |
| Total noninterest expense | $1,373,000 | 6,403 |
| Salaries and employee benefits | $807,000 | 6,198 |
| Premises and equipment expense | $104,000 | 7,405 |
| Additional noninterest expense | $462,000 | 5,994 |
| Pre-tax net operating income | $504,000 | 6,202 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $141,000 | 4,534 |
| Income before extraordinary items | $363,000 | 6,413 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $363,000 | 6,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,033 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 307 |
| Net operating income | $363,000 | 6,411 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 6,778 |
| Total interest expense | $348,000 | 7,506 |
| Net interest income | $1,173,000 | 6,282 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $66,000 | 7,584 |
| 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 | $66,000 | 5,904 |
| Total noninterest expense | $908,000 | 6,446 |
| Salaries and employee benefits | $562,000 | 6,096 |
| Premises and equipment expense | $66,000 | 7,495 |
| Additional noninterest expense | $280,000 | 6,280 |
| Pre-tax net operating income | $291,000 | 6,522 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $103,000 | 4,482 |
| Income before extraordinary items | $188,000 | 6,837 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $188,000 | 6,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $188,000 | 6,845 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $663,000 | 7,065 |
| Total interest expense | $138,000 | 7,783 |
| Net interest income | $525,000 | 6,560 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $51,000 | 6,914 |
| 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 | $51,000 | 5,080 |
| Total noninterest expense | $434,000 | 6,575 |
| Salaries and employee benefits | $269,000 | 6,242 |
| Premises and equipment expense | $34,000 | 7,467 |
| Additional noninterest expense | $131,000 | 6,438 |
| Pre-tax net operating income | $112,000 | 6,911 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $68,000 | 4,090 |
| Income before extraordinary items | $44,000 | 7,632 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $44,000 | 7,632 |
| 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 | $44,000 | 7,634 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $584,000 | 8,591 |
| Total interest expense | $100,000 | 8,621 |
| Net interest income | $484,000 | 8,546 |
| Provision for loan and lease losses | $45,000 | 5,862 |
| Total noninterest income | $248,000 | 6,684 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $248,000 | 4,743 |
| Total noninterest expense | $583,000 | 8,444 |
| Salaries and employee benefits | $319,000 | 8,436 |
| Premises and equipment expense | $51,000 | 8,453 |
| Additional noninterest expense | $213,000 | 8,145 |
| Pre-tax net operating income | $104,000 | 7,986 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $39,000 | 6,011 |
| Income before extraordinary items | $65,000 | 8,095 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $65,000 | 8,092 |
| 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 | $4,622,000 | 315 |
| Net operating income | $65,000 | 8,067 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $156,000 | 8,788 |
| Total interest expense | $11,000 | 8,785 |
| Net interest income | $145,000 | 8,776 |
| Provision for loan and lease losses | $20,000 | 6,139 |
| Total noninterest income | $126,000 | 7,357 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $126,000 | 5,517 |
| Total noninterest expense | $190,000 | 8,793 |
| Salaries and employee benefits | $120,000 | 8,755 |
| Premises and equipment expense | $19,000 | 8,716 |
| Additional noninterest expense | $51,000 | 8,785 |
| Pre-tax net operating income | $61,000 | 8,151 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $13,000 | 6,453 |
| Income before extraordinary items | $48,000 | 8,194 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $48,000 | 8,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $4,622,000 | 227 |
| Net operating income | $48,000 | 8,161 |
* 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.