Home > Affinity Bank of Pennsylvania > Income and Expense
Affinity Bank of Pennsylvania, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,602,000 | 3,593 |
| Total interest expense | $1,794,000 | 2,345 |
| Net interest income | $4,808,000 | 3,916 |
| Provision for loan and lease losses | $190,000 | 3,988 |
| Total noninterest income | $220,000 | 5,585 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $99,000 | 5,455 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $121,000 | 5,159 |
| Total noninterest expense | $5,141,000 | 3,395 |
| Salaries and employee benefits | $2,094,000 | 4,022 |
| Premises and equipment expense | $1,175,000 | 1,982 |
| Additional noninterest expense | $1,872,000 | 3,238 |
| Pre-tax net operating income | $-303,000 | 6,416 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $-20,000 | 6,572 |
| Income before extraordinary items | $-283,000 | 6,497 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-283,000 | 6,491 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-283,000 | 6,493 |
| Net charge-offs | $237,000 | 3,589 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 792 |
| Net operating income | $-283,000 | 6,425 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,999,000 | 3,634 |
| Total interest expense | $1,362,000 | 2,412 |
| Net interest income | $3,637,000 | 3,949 |
| Provision for loan and lease losses | $155,000 | 3,841 |
| Total noninterest income | $158,000 | 5,712 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $76,000 | 5,492 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $82,000 | 5,334 |
| Total noninterest expense | $3,826,000 | 3,444 |
| Salaries and employee benefits | $1,558,000 | 4,055 |
| Premises and equipment expense | $888,000 | 1,988 |
| Additional noninterest expense | $1,380,000 | 3,310 |
| Pre-tax net operating income | $-186,000 | 6,508 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-20,000 | 6,791 |
| Income before extraordinary items | $-166,000 | 6,595 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-166,000 | 6,593 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-166,000 | 6,593 |
| Net charge-offs | $54,000 | 4,465 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 711 |
| Net operating income | $-166,000 | 6,509 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,413,000 | 3,594 |
| Total interest expense | $918,000 | 2,474 |
| Net interest income | $2,495,000 | 3,894 |
| Provision for loan and lease losses | $115,000 | 3,714 |
| Total noninterest income | $100,000 | 5,785 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $50,000 | 5,517 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $50,000 | 5,446 |
| Total noninterest expense | $2,590,000 | 3,425 |
| Salaries and employee benefits | $1,059,000 | 4,034 |
| Premises and equipment expense | $599,000 | 1,969 |
| Additional noninterest expense | $932,000 | 3,305 |
| Pre-tax net operating income | $-110,000 | 6,538 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-20,000 | 6,877 |
| Income before extraordinary items | $-90,000 | 6,618 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-90,000 | 6,618 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-90,000 | 6,618 |
| Net charge-offs | $12,000 | 4,874 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 597 |
| Net operating income | $-90,000 | 6,529 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 3,558 |
| Total interest expense | $474,000 | 2,488 |
| Net interest income | $1,282,000 | 3,845 |
| Provision for loan and lease losses | $50,000 | 3,648 |
| Total noninterest income | $46,000 | 5,932 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $22,000 | 5,685 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $24,000 | 5,550 |
| Total noninterest expense | $1,413,000 | 3,195 |
| Salaries and employee benefits | $557,000 | 3,910 |
| Premises and equipment expense | $302,000 | 1,965 |
| Additional noninterest expense | $554,000 | 2,846 |
| Pre-tax net operating income | $-135,000 | 6,783 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-5,000 | 6,940 |
| Income before extraordinary items | $-130,000 | 6,840 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-130,000 | 6,841 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-130,000 | 6,841 |
| Net charge-offs | $21,000 | 3,656 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 713 |
| Net operating income | $-130,000 | 6,785 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,002,000 | 3,672 |
| Total interest expense | $2,072,000 | 2,703 |
| Net interest income | $4,930,000 | 3,943 |
| Provision for loan and lease losses | $560,000 | 3,297 |
| Total noninterest income | $208,000 | 5,691 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $85,000 | 5,739 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $123,000 | 5,096 |
| Total noninterest expense | $4,623,000 | 3,737 |
| Salaries and employee benefits | $2,111,000 | 4,032 |
| Premises and equipment expense | $1,236,000 | 1,998 |
| Additional noninterest expense | $1,276,000 | 4,280 |
| Pre-tax net operating income | $-45,000 | 6,080 |
| Securities gains (losses) | $72,000 | 2,311 |
| Applicable income taxes | $-32,000 | 6,687 |
| Income before extraordinary items | $59,000 | 6,002 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $59,000 | 6,004 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $59,000 | 6,004 |
| Net charge-offs | $824,000 | 2,594 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 912 |
| Net operating income | $-13,000 | 6,063 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 3,715 |
| Total interest expense | $1,579,000 | 2,758 |
| Net interest income | $3,676,000 | 3,977 |
| Provision for loan and lease losses | $480,000 | 2,925 |
| Total noninterest income | $158,000 | 5,765 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $63,000 | 5,779 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $95,000 | 5,152 |
| Total noninterest expense | $3,498,000 | 3,726 |
| Salaries and employee benefits | $1,601,000 | 3,991 |
| Premises and equipment expense | $934,000 | 2,009 |
| Additional noninterest expense | $963,000 | 4,268 |
| Pre-tax net operating income | $-144,000 | 6,337 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-31,000 | 6,877 |
| Income before extraordinary items | $-113,000 | 6,428 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-113,000 | 6,432 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-113,000 | 6,431 |
| Net charge-offs | $262,000 | 3,398 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 802 |
| Net operating income | $-113,000 | 6,348 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,532,000 | 3,735 |
| Total interest expense | $1,067,000 | 2,817 |
| Net interest income | $2,465,000 | 3,968 |
| Provision for loan and lease losses | $235,000 | 3,342 |
| Total noninterest income | $112,000 | 5,719 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $41,000 | 5,787 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 5,058 |
| Total noninterest expense | $2,343,000 | 3,741 |
| Salaries and employee benefits | $1,073,000 | 4,012 |
| Premises and equipment expense | $625,000 | 2,018 |
| Additional noninterest expense | $645,000 | 4,330 |
| Pre-tax net operating income | $-1,000 | 6,202 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-13,000 | 6,889 |
| Income before extraordinary items | $12,000 | 6,247 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $12,000 | 6,247 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $12,000 | 6,247 |
| Net charge-offs | $234,000 | 2,949 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 682 |
| Net operating income | $12,000 | 6,168 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,761,000 | 3,768 |
| Total interest expense | $557,000 | 2,802 |
| Net interest income | $1,204,000 | 4,039 |
| Provision for loan and lease losses | $105,000 | 3,279 |
| Total noninterest income | $45,000 | 6,063 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $20,000 | 5,795 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $25,000 | 5,598 |
| Total noninterest expense | $1,180,000 | 3,744 |
| Salaries and employee benefits | $530,000 | 4,067 |
| Premises and equipment expense | $316,000 | 2,031 |
| Additional noninterest expense | $334,000 | 4,228 |
| Pre-tax net operating income | $-36,000 | 6,521 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-6,000 | 6,967 |
| Income before extraordinary items | $-30,000 | 6,529 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-30,000 | 6,529 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-30,000 | 6,529 |
| Net charge-offs | $95,000 | 2,783 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-30,000 | 6,519 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,577,000 | 3,692 |
| Total interest expense | $2,452,000 | 3,039 |
| Net interest income | $5,125,000 | 3,889 |
| Provision for loan and lease losses | $735,000 | 3,523 |
| Total noninterest income | $215,000 | 5,854 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $103,000 | 5,442 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $112,000 | 5,309 |
| Total noninterest expense | $4,650,000 | 3,807 |
| Salaries and employee benefits | $2,108,000 | 4,086 |
| Premises and equipment expense | $1,288,000 | 1,973 |
| Additional noninterest expense | $1,254,000 | 4,493 |
| Pre-tax net operating income | $-45,000 | 5,865 |
| Securities gains (losses) | $315,000 | 1,222 |
| Applicable income taxes | $-69,000 | 6,774 |
| Income before extraordinary items | $339,000 | 4,815 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $339,000 | 4,819 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $339,000 | 4,819 |
| Net charge-offs | $755,000 | 3,075 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,033 |
| Net operating income | $24,000 | 5,746 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,784,000 | 3,720 |
| Total interest expense | $1,870,000 | 3,119 |
| Net interest income | $3,914,000 | 3,894 |
| Provision for loan and lease losses | $595,000 | 3,274 |
| Total noninterest income | $154,000 | 6,032 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $79,000 | 5,500 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $75,000 | 5,577 |
| Total noninterest expense | $3,509,000 | 3,800 |
| Salaries and employee benefits | $1,593,000 | 4,096 |
| Premises and equipment expense | $970,000 | 1,988 |
| Additional noninterest expense | $946,000 | 4,473 |
| Pre-tax net operating income | $-36,000 | 6,056 |
| Securities gains (losses) | $218,000 | 1,309 |
| Applicable income taxes | $-59,000 | 6,999 |
| Income before extraordinary items | $241,000 | 5,130 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $241,000 | 5,132 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $241,000 | 5,133 |
| Net charge-offs | $711,000 | 2,616 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 915 |
| Net operating income | $23,000 | 5,912 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,887,000 | 3,728 |
| Total interest expense | $1,247,000 | 3,212 |
| Net interest income | $2,640,000 | 3,873 |
| Provision for loan and lease losses | $440,000 | 3,051 |
| Total noninterest income | $94,000 | 6,166 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $48,000 | 5,647 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $46,000 | 5,686 |
| Total noninterest expense | $2,362,000 | 3,781 |
| Salaries and employee benefits | $1,074,000 | 4,089 |
| Premises and equipment expense | $646,000 | 2,012 |
| Additional noninterest expense | $642,000 | 4,407 |
| Pre-tax net operating income | $-68,000 | 6,211 |
| Securities gains (losses) | $184,000 | 992 |
| Applicable income taxes | $-59,000 | 7,105 |
| Income before extraordinary items | $175,000 | 5,063 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $175,000 | 5,066 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $175,000 | 5,065 |
| Net charge-offs | $564,000 | 2,309 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 772 |
| Net operating income | $-9,000 | 6,104 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,965,000 | 3,756 |
| Total interest expense | $641,000 | 3,273 |
| Net interest income | $1,324,000 | 3,878 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $47,000 | 6,211 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $23,000 | 5,727 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $24,000 | 5,720 |
| Total noninterest expense | $1,179,000 | 3,811 |
| Salaries and employee benefits | $552,000 | 4,064 |
| Premises and equipment expense | $323,000 | 2,070 |
| Additional noninterest expense | $304,000 | 4,553 |
| Pre-tax net operating income | $-108,000 | 6,668 |
| Securities gains (losses) | $184,000 | 549 |
| Applicable income taxes | $-21,000 | 7,203 |
| Income before extraordinary items | $97,000 | 5,018 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $97,000 | 5,019 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $97,000 | 5,018 |
| Net charge-offs | $459,000 | 1,637 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 521 |
| Net operating income | $-87,000 | 6,651 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,636,000 | 3,945 |
| Total interest expense | $3,034,000 | 3,391 |
| Net interest income | $4,602,000 | 4,161 |
| Provision for loan and lease losses | $760,000 | 3,914 |
| Total noninterest income | $202,000 | 6,213 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $92,000 | 5,860 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $110,000 | 5,525 |
| Total noninterest expense | $4,310,000 | 4,127 |
| Salaries and employee benefits | $1,991,000 | 4,383 |
| Premises and equipment expense | $1,085,000 | 2,414 |
| Additional noninterest expense | $1,234,000 | 4,669 |
| Pre-tax net operating income | $-266,000 | 5,775 |
| Securities gains (losses) | $145,000 | 1,815 |
| Applicable income taxes | $-55,000 | 6,462 |
| Income before extraordinary items | $-66,000 | 5,650 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-66,000 | 5,648 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-66,000 | 5,648 |
| Net charge-offs | $407,000 | 4,063 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 1,130 |
| Net operating income | $-158,800 | 5,763 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,655,000 | 4,034 |
| Total interest expense | $2,335,000 | 3,447 |
| Net interest income | $3,320,000 | 4,285 |
| Provision for loan and lease losses | $530,000 | 3,714 |
| Total noninterest income | $151,000 | 6,329 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $66,000 | 5,973 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $85,000 | 5,599 |
| Total noninterest expense | $3,159,000 | 4,202 |
| Salaries and employee benefits | $1,502,000 | 4,382 |
| Premises and equipment expense | $770,000 | 2,547 |
| Additional noninterest expense | $887,000 | 4,758 |
| Pre-tax net operating income | $-218,000 | 6,040 |
| Securities gains (losses) | $145,000 | 1,532 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-73,000 | 5,923 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-73,000 | 5,923 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-73,000 | 5,923 |
| Net charge-offs | $297,000 | 3,714 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,004 |
| Net operating income | $-218,000 | 6,115 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,718,000 | 4,109 |
| Total interest expense | $1,596,000 | 3,514 |
| Net interest income | $2,122,000 | 4,403 |
| Provision for loan and lease losses | $425,000 | 3,178 |
| Total noninterest income | $98,000 | 6,402 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $44,000 | 5,974 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $54,000 | 5,737 |
| Total noninterest expense | $2,095,000 | 4,263 |
| Salaries and employee benefits | $1,017,000 | 4,385 |
| Premises and equipment expense | $501,000 | 2,632 |
| Additional noninterest expense | $577,000 | 4,836 |
| Pre-tax net operating income | $-300,000 | 6,429 |
| Securities gains (losses) | $145,000 | 1,226 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-155,000 | 6,293 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-155,000 | 6,292 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-155,000 | 6,292 |
| Net charge-offs | $297,000 | 2,938 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 901 |
| Net operating income | $-300,000 | 6,530 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,865,000 | 4,146 |
| Total interest expense | $835,000 | 3,513 |
| Net interest income | $1,030,000 | 4,497 |
| Provision for loan and lease losses | $190,000 | 2,929 |
| Total noninterest income | $44,000 | 6,539 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $22,000 | 5,942 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $22,000 | 6,048 |
| Total noninterest expense | $1,036,000 | 4,206 |
| Salaries and employee benefits | $524,000 | 4,319 |
| Premises and equipment expense | $257,000 | 2,621 |
| Additional noninterest expense | $255,000 | 4,896 |
| Pre-tax net operating income | $-152,000 | 6,796 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-152,000 | 6,944 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-152,000 | 6,945 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-152,000 | 6,945 |
| Net charge-offs | $183,000 | 2,217 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 915 |
| Net operating income | $-152,000 | 6,872 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,325,000 | 4,361 |
| Total interest expense | $3,512,000 | 3,835 |
| Net interest income | $3,813,000 | 4,720 |
| Provision for loan and lease losses | $195,000 | 5,240 |
| Total noninterest income | $188,000 | 6,565 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $59,000 | 6,504 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $129,000 | 5,550 |
| Total noninterest expense | $3,667,000 | 4,495 |
| Salaries and employee benefits | $1,886,000 | 4,659 |
| Premises and equipment expense | $841,000 | 3,053 |
| Additional noninterest expense | $940,000 | 5,010 |
| Pre-tax net operating income | $139,000 | 5,912 |
| Securities gains (losses) | $50,000 | 1,600 |
| Applicable income taxes | $-31,000 | 6,900 |
| Income before extraordinary items | $220,000 | 5,402 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $220,000 | 5,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,426 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,238 |
| Net operating income | $170,000 | 5,755 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,441,000 | 4,442 |
| Total interest expense | $2,641,000 | 3,937 |
| Net interest income | $2,800,000 | 4,819 |
| Provision for loan and lease losses | $150,000 | 4,617 |
| Total noninterest income | $145,000 | 6,651 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $44,000 | 6,559 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $101,000 | 5,612 |
| Total noninterest expense | $2,625,000 | 4,629 |
| Salaries and employee benefits | $1,375,000 | 4,746 |
| Premises and equipment expense | $591,000 | 3,228 |
| Additional noninterest expense | $659,000 | 5,144 |
| Pre-tax net operating income | $170,000 | 6,152 |
| Securities gains (losses) | $50,000 | 1,422 |
| Applicable income taxes | $-31,000 | 7,394 |
| Income before extraordinary items | $251,000 | 5,440 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $251,000 | 5,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 1,061 |
| Net operating income | $201,000 | 5,864 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,559,000 | 4,568 |
| Total interest expense | $1,739,000 | 4,103 |
| Net interest income | $1,820,000 | 4,905 |
| Provision for loan and lease losses | $95,000 | 4,331 |
| Total noninterest income | $99,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $29,000 | 6,599 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $70,000 | 5,638 |
| Total noninterest expense | $1,734,000 | 4,684 |
| Salaries and employee benefits | $917,000 | 4,790 |
| Premises and equipment expense | $388,000 | 3,294 |
| Additional noninterest expense | $429,000 | 5,204 |
| Pre-tax net operating income | $90,000 | 6,460 |
| Securities gains (losses) | $50,000 | 1,445 |
| Applicable income taxes | $-19,000 | 7,649 |
| Income before extraordinary items | $159,000 | 5,901 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $159,000 | 5,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 927 |
| Net operating income | $109,000 | 6,220 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,805,000 | 4,619 |
| Total interest expense | $904,000 | 4,170 |
| Net interest income | $901,000 | 4,942 |
| Provision for loan and lease losses | $35,000 | 4,234 |
| Total noninterest income | $46,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $13,000 | 6,679 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $33,000 | 5,761 |
| Total noninterest expense | $871,000 | 4,685 |
| Salaries and employee benefits | $478,000 | 4,705 |
| Premises and equipment expense | $194,000 | 3,327 |
| Additional noninterest expense | $199,000 | 5,392 |
| Pre-tax net operating income | $41,000 | 6,714 |
| Securities gains (losses) | $50,000 | 1,087 |
| Applicable income taxes | $-15,000 | 7,874 |
| Income before extraordinary items | $106,000 | 5,765 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $106,000 | 5,768 |
| 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 | $46,000 | 488 |
| Net operating income | $56,000 | 6,396 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,804,000 | 4,817 |
| Total interest expense | $3,389,000 | 4,423 |
| Net interest income | $3,415,000 | 5,114 |
| Provision for loan and lease losses | $270,000 | 3,372 |
| Total noninterest income | $162,000 | 7,021 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $48,000 | 6,781 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $114,000 | 6,012 |
| Total noninterest expense | $3,618,000 | 4,420 |
| Salaries and employee benefits | $2,078,000 | 4,274 |
| Premises and equipment expense | $787,000 | 3,112 |
| Additional noninterest expense | $753,000 | 5,537 |
| Pre-tax net operating income | $-311,000 | 7,718 |
| Securities gains (losses) | $-661,000 | 8,398 |
| Applicable income taxes | $-233,000 | 8,150 |
| Income before extraordinary items | $-739,000 | 8,013 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-739,000 | 8,011 |
| 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 | $46,000 | 1,082 |
| Net operating income | $-236,640 | 7,717 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,982,000 | 4,902 |
| Total interest expense | $2,484,000 | 4,500 |
| Net interest income | $2,498,000 | 5,217 |
| Provision for loan and lease losses | $220,000 | 2,856 |
| Total noninterest income | $116,000 | 7,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $35,000 | 6,840 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $81,000 | 6,140 |
| Total noninterest expense | $2,383,000 | 4,806 |
| Salaries and employee benefits | $1,226,000 | 5,028 |
| Premises and equipment expense | $589,000 | 3,112 |
| Additional noninterest expense | $568,000 | 5,466 |
| Pre-tax net operating income | $11,000 | 7,614 |
| Securities gains (losses) | $-661,000 | 8,474 |
| Applicable income taxes | $-233,000 | 8,341 |
| Income before extraordinary items | $-417,000 | 8,086 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-417,000 | 8,082 |
| 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 | $46,000 | 910 |
| Net operating income | $6,040 | 7,637 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,191,000 | 5,051 |
| Total interest expense | $1,604,000 | 4,587 |
| Net interest income | $1,587,000 | 5,414 |
| Provision for loan and lease losses | $145,000 | 2,710 |
| Total noninterest income | $72,000 | 7,263 |
| 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 | $48,000 | 6,340 |
| Total noninterest expense | $1,574,000 | 4,860 |
| Salaries and employee benefits | $817,000 | 5,072 |
| Premises and equipment expense | $389,000 | 3,159 |
| Additional noninterest expense | $368,000 | 5,543 |
| Pre-tax net operating income | $-60,000 | 7,906 |
| Securities gains (losses) | $-661,000 | 8,547 |
| Applicable income taxes | $-233,000 | 8,475 |
| Income before extraordinary items | $-488,000 | 8,328 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-488,000 | 8,327 |
| 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 | $46,000 | 760 |
| Net operating income | $-38,520 | 7,883 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,491,000 | 5,278 |
| Total interest expense | $760,000 | 4,736 |
| Net interest income | $731,000 | 5,651 |
| Provision for loan and lease losses | $55,000 | 2,982 |
| Total noninterest income | $29,000 | 7,498 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $10,000 | 6,985 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $19,000 | 6,688 |
| Total noninterest expense | $782,000 | 4,868 |
| Salaries and employee benefits | $411,000 | 5,069 |
| Premises and equipment expense | $197,000 | 3,149 |
| Additional noninterest expense | $174,000 | 5,684 |
| Pre-tax net operating income | $-77,000 | 8,093 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-77,000 | 8,120 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-77,000 | 8,119 |
| 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 | $46,000 | 504 |
| Net operating income | $-77,000 | 8,107 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,377,000 | 5,345 |
| Total interest expense | $2,748,000 | 4,543 |
| Net interest income | $2,629,000 | 5,871 |
| Provision for loan and lease losses | $145,000 | 4,115 |
| Total noninterest income | $127,000 | 7,498 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $41,000 | 7,020 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $86,000 | 6,573 |
| Total noninterest expense | $2,845,000 | 5,058 |
| Salaries and employee benefits | $1,330,000 | 5,575 |
| Premises and equipment expense | $781,000 | 3,066 |
| Additional noninterest expense | $734,000 | 5,510 |
| Pre-tax net operating income | $-234,000 | 8,139 |
| Securities gains (losses) | $-383,000 | 8,485 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-617,000 | 8,339 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-617,000 | 8,340 |
| 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 | $15,000 | 1,123 |
| Net operating income | $-234,000 | 8,168 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,914,000 | 5,439 |
| Total interest expense | $1,968,000 | 4,593 |
| Net interest income | $1,946,000 | 5,975 |
| Provision for loan and lease losses | $125,000 | 3,756 |
| Total noninterest income | $98,000 | 7,543 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $32,000 | 7,084 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $66,000 | 6,526 |
| Total noninterest expense | $2,169,000 | 4,991 |
| Salaries and employee benefits | $1,001,000 | 5,553 |
| Premises and equipment expense | $593,000 | 3,037 |
| Additional noninterest expense | $575,000 | 5,355 |
| Pre-tax net operating income | $-250,000 | 8,328 |
| Securities gains (losses) | $-179,000 | 8,522 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-429,000 | 8,434 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-429,000 | 8,433 |
| 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 | $14,000 | 937 |
| Net operating income | $-250,000 | 8,343 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,501,000 | 5,530 |
| Total interest expense | $1,219,000 | 4,670 |
| Net interest income | $1,282,000 | 6,040 |
| Provision for loan and lease losses | $85,000 | 3,650 |
| Total noninterest income | $67,000 | 7,564 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $24,000 | 7,037 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $43,000 | 6,593 |
| Total noninterest expense | $1,463,000 | 4,965 |
| Salaries and employee benefits | $676,000 | 5,537 |
| Premises and equipment expense | $400,000 | 2,997 |
| Additional noninterest expense | $387,000 | 5,318 |
| Pre-tax net operating income | $-199,000 | 8,406 |
| Securities gains (losses) | $-179,000 | 8,622 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-378,000 | 8,533 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-378,000 | 8,534 |
| 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 | $22,000 | 737 |
| Net operating income | $-199,000 | 8,422 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,187,000 | 5,634 |
| Total interest expense | $587,000 | 4,638 |
| Net interest income | $600,000 | 6,234 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $33,000 | 7,559 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $13,000 | 6,977 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $750,000 | 4,891 |
| Salaries and employee benefits | $346,000 | 5,471 |
| Premises and equipment expense | $213,000 | 2,850 |
| Additional noninterest expense | $191,000 | 5,329 |
| Pre-tax net operating income | $-137,000 | 8,486 |
| Securities gains (losses) | $-179,000 | 8,704 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-316,000 | 8,646 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-316,000 | 8,645 |
| 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 | $27,000 | 469 |
| Net operating income | $-137,000 | 8,489 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,072,000 | 5,773 |
| Total interest expense | $1,933,000 | 4,533 |
| Net interest income | $2,139,000 | 6,467 |
| Provision for loan and lease losses | $125,000 | 4,393 |
| Total noninterest income | $74,000 | 8,200 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $26,000 | 7,394 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $48,000 | 7,428 |
| Total noninterest expense | $2,005,000 | 6,112 |
| Salaries and employee benefits | $939,000 | 6,528 |
| Premises and equipment expense | $511,000 | 4,108 |
| Additional noninterest expense | $555,000 | 6,281 |
| Pre-tax net operating income | $83,000 | 8,037 |
| Securities gains (losses) | $-25,000 | 7,924 |
| Applicable income taxes | $6,000 | 6,643 |
| Income before extraordinary items | $52,000 | 8,134 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $52,000 | 8,133 |
| 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 | $11,000 | 877 |
| Net operating income | $74,500 | 8,026 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,973,000 | 5,834 |
| Total interest expense | $1,368,000 | 4,571 |
| Net interest income | $1,605,000 | 6,492 |
| Provision for loan and lease losses | $100,000 | 4,154 |
| Total noninterest income | $56,000 | 8,234 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 7,463 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 7,425 |
| Total noninterest expense | $1,420,000 | 6,251 |
| Salaries and employee benefits | $679,000 | 6,618 |
| Premises and equipment expense | $355,000 | 4,325 |
| Additional noninterest expense | $386,000 | 6,460 |
| Pre-tax net operating income | $141,000 | 7,863 |
| Securities gains (losses) | $-25,000 | 8,266 |
| Applicable income taxes | $11,000 | 6,502 |
| Income before extraordinary items | $105,000 | 7,929 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $105,000 | 7,930 |
| 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 | $11,000 | 716 |
| Net operating income | $127,750 | 7,786 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,942,000 | 5,826 |
| Total interest expense | $885,000 | 4,485 |
| Net interest income | $1,057,000 | 6,531 |
| Provision for loan and lease losses | $55,000 | 4,424 |
| Total noninterest income | $28,000 | 8,417 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $10,000 | 7,536 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $18,000 | 7,744 |
| Total noninterest expense | $945,000 | 6,259 |
| Salaries and employee benefits | $453,000 | 6,626 |
| Premises and equipment expense | $234,000 | 4,331 |
| Additional noninterest expense | $258,000 | 6,435 |
| Pre-tax net operating income | $85,000 | 7,924 |
| Securities gains (losses) | $-25,000 | 8,430 |
| Applicable income taxes | $6,000 | 6,566 |
| Income before extraordinary items | $54,000 | 8,074 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $54,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 588 |
| Net operating income | $76,500 | 7,870 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $964,000 | 5,836 |
| Total interest expense | $445,000 | 4,363 |
| Net interest income | $519,000 | 6,622 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $11,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 8,020 |
| Total noninterest expense | $473,000 | 6,301 |
| Salaries and employee benefits | $229,000 | 6,639 |
| Premises and equipment expense | $115,000 | 4,423 |
| Additional noninterest expense | $129,000 | 6,456 |
| Pre-tax net operating income | $32,000 | 8,121 |
| Securities gains (losses) | $-25,000 | 8,696 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $7,000 | 8,391 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $7,000 | 8,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 429 |
| Net operating income | $32,000 | 8,033 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,861,000 | 6,570 |
| Total interest expense | $1,525,000 | 4,467 |
| Net interest income | $1,336,000 | 7,552 |
| Provision for loan and lease losses | $190,000 | 3,789 |
| Total noninterest income | $51,000 | 8,571 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $11,000 | 7,764 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $40,000 | 7,684 |
| Total noninterest expense | $1,675,000 | 6,587 |
| Salaries and employee benefits | $754,000 | 7,102 |
| Premises and equipment expense | $446,000 | 4,440 |
| Additional noninterest expense | $475,000 | 6,698 |
| Pre-tax net operating income | $-478,000 | 8,649 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-478,000 | 8,710 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-478,000 | 8,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $6,043,000 | 198 |
| Net operating income | $-478,000 | 8,683 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,966,000 | 6,802 |
| Total interest expense | $1,087,000 | 4,573 |
| Net interest income | $879,000 | 7,817 |
| Provision for loan and lease losses | $130,000 | 3,854 |
| Total noninterest income | $38,000 | 8,629 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $7,000 | 7,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 7,667 |
| Total noninterest expense | $1,276,000 | 6,501 |
| Salaries and employee benefits | $557,000 | 7,097 |
| Premises and equipment expense | $333,000 | 4,439 |
| Additional noninterest expense | $386,000 | 6,419 |
| Pre-tax net operating income | $-489,000 | 8,769 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-489,000 | 8,804 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-489,000 | 8,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $4,158,000 | 180 |
| Net operating income | $-489,000 | 8,777 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,158,000 | 7,130 |
| Total interest expense | $665,000 | 4,811 |
| Net interest income | $493,000 | 8,120 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $21,000 | 8,748 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $4,000 | 7,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $17,000 | 7,905 |
| Total noninterest expense | $841,000 | 6,582 |
| Salaries and employee benefits | $368,000 | 7,162 |
| Premises and equipment expense | $225,000 | 4,416 |
| Additional noninterest expense | $248,000 | 6,559 |
| Pre-tax net operating income | $-427,000 | 8,870 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-427,000 | 8,907 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-427,000 | 8,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,099,000 | 204 |
| Net operating income | $-427,000 | 8,881 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $487,000 | 7,544 |
| Total interest expense | $296,000 | 5,202 |
| Net interest income | $191,000 | 8,487 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $6,000 | 8,907 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,932 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $404,000 | 6,735 |
| Salaries and employee benefits | $173,000 | 7,370 |
| Premises and equipment expense | $112,000 | 4,455 |
| Additional noninterest expense | $119,000 | 6,689 |
| Pre-tax net operating income | $-252,000 | 8,941 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-252,000 | 8,972 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-252,000 | 8,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 416 |
| Net operating income | $-252,000 | 8,947 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $555,000 | 8,918 |
| Total interest expense | $341,000 | 8,322 |
| Net interest income | $214,000 | 9,035 |
| Provision for loan and lease losses | $200,000 | 4,016 |
| Total noninterest income | $25,000 | 8,975 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $25,000 | 8,275 |
| Total noninterest expense | $1,232,000 | 7,413 |
| Salaries and employee benefits | $556,000 | 7,877 |
| Premises and equipment expense | $318,000 | 5,483 |
| Additional noninterest expense | $358,000 | 7,395 |
| Pre-tax net operating income | $-1,193,000 | 9,008 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-1,193,000 | 9,059 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,193,000 | 9,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $7,839,000 | 134 |
| Net operating income | $-1,193,000 | 9,016 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $223,000 | 9,121 |
| Total interest expense | $134,000 | 8,897 |
| Net interest income | $89,000 | 9,160 |
| Provision for loan and lease losses | $150,000 | 3,902 |
| Total noninterest income | $20,000 | 9,040 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,000 | 8,256 |
| Total noninterest expense | $891,000 | 7,486 |
| Salaries and employee benefits | $397,000 | 7,946 |
| Premises and equipment expense | $209,000 | 5,874 |
| Additional noninterest expense | $285,000 | 7,273 |
| Pre-tax net operating income | $-932,000 | 9,070 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-932,000 | 9,117 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-932,000 | 9,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $7,839,000 | 89 |
| Net operating income | $-932,000 | 9,075 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $51,000 | 9,226 |
| Total interest expense | $17,000 | 9,183 |
| Net interest income | $34,000 | 9,221 |
| Provision for loan and lease losses | $35,000 | 5,611 |
| Total noninterest income | $4,000 | 9,171 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,000 | 8,891 |
| Total noninterest expense | $527,000 | 7,779 |
| Salaries and employee benefits | $245,000 | 8,120 |
| Premises and equipment expense | $102,000 | 6,719 |
| Additional noninterest expense | $180,000 | 7,397 |
| Pre-tax net operating income | $-524,000 | 9,074 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-524,000 | 9,137 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-524,000 | 9,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $7,839,000 | 56 |
| Net operating income | $-524,000 | 9,079 |
* 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.