Home > American Premier Bank > Income and Expense
American Premier Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,695,000 | 4,986 |
| Total interest expense | $1,544,000 | 4,200 |
| Net interest income | $3,151,000 | 5,233 |
| Provision for loan and lease losses | $493,000 | 4,153 |
| Total noninterest income | $136,000 | 6,400 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $6,000 | 6,746 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $130,000 | 5,127 |
| Total noninterest expense | $2,770,000 | 5,249 |
| Salaries and employee benefits | $1,277,000 | 5,496 |
| Premises and equipment expense | $398,000 | 4,768 |
| Additional noninterest expense | $1,095,000 | 4,850 |
| Pre-tax net operating income | $24,000 | 5,698 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $1,000 | 4,548 |
| Income before extraordinary items | $23,000 | 5,885 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $23,000 | 5,885 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $23,000 | 5,885 |
| Net charge-offs | $440,000 | 3,816 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $23,000 | 5,748 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,492,000 | 5,099 |
| Total interest expense | $1,172,000 | 4,310 |
| Net interest income | $2,320,000 | 5,342 |
| Provision for loan and lease losses | $493,000 | 3,562 |
| Total noninterest income | $107,000 | 6,469 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $5,000 | 6,837 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $102,000 | 5,180 |
| Total noninterest expense | $2,063,000 | 5,290 |
| Salaries and employee benefits | $945,000 | 5,585 |
| Premises and equipment expense | $305,000 | 4,797 |
| Additional noninterest expense | $813,000 | 4,878 |
| Pre-tax net operating income | $-129,000 | 6,202 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $1,000 | 4,603 |
| Income before extraordinary items | $-130,000 | 6,346 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-130,000 | 6,347 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-130,000 | 6,346 |
| Net charge-offs | $440,000 | 3,245 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-130,000 | 6,252 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,287,000 | 5,191 |
| Total interest expense | $791,000 | 4,381 |
| Net interest income | $1,496,000 | 5,451 |
| Provision for loan and lease losses | $461,000 | 2,967 |
| Total noninterest income | $81,000 | 6,357 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $3,000 | 6,893 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $78,000 | 5,012 |
| Total noninterest expense | $1,387,000 | 5,274 |
| Salaries and employee benefits | $626,000 | 5,626 |
| Premises and equipment expense | $207,000 | 4,773 |
| Additional noninterest expense | $554,000 | 4,815 |
| Pre-tax net operating income | $-271,000 | 6,530 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $1,000 | 4,552 |
| Income before extraordinary items | $-272,000 | 6,659 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-272,000 | 6,661 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-272,000 | 6,660 |
| Net charge-offs | $363,000 | 2,830 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-272,000 | 6,607 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 5,302 |
| Total interest expense | $402,000 | 4,466 |
| Net interest income | $726,000 | 5,559 |
| Provision for loan and lease losses | $72,000 | 4,420 |
| Total noninterest income | $45,000 | 6,278 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $2,000 | 6,961 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $43,000 | 4,938 |
| Total noninterest expense | $642,000 | 5,556 |
| Salaries and employee benefits | $316,000 | 5,671 |
| Premises and equipment expense | $103,000 | 4,876 |
| Additional noninterest expense | $223,000 | 5,424 |
| Pre-tax net operating income | $57,000 | 5,572 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $57,000 | 5,594 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $57,000 | 5,595 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $57,000 | 5,594 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $57,000 | 5,493 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,985,000 | 5,729 |
| Total interest expense | $2,094,000 | 4,317 |
| Net interest income | $1,891,000 | 6,475 |
| Provision for loan and lease losses | $491,000 | 4,575 |
| Total noninterest income | $156,000 | 6,534 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $10,000 | 7,020 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $146,000 | 5,133 |
| Total noninterest expense | $2,518,000 | 5,662 |
| Salaries and employee benefits | $1,249,000 | 5,738 |
| Premises and equipment expense | $412,000 | 4,915 |
| Additional noninterest expense | $857,000 | 5,641 |
| Pre-tax net operating income | $-962,000 | 6,242 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $1,000 | 4,275 |
| Income before extraordinary items | $-963,000 | 6,344 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-963,000 | 6,344 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-963,000 | 6,344 |
| Net charge-offs | $194,000 | 5,049 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 183 |
| Net operating income | $-963,000 | 6,356 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,946,000 | 5,820 |
| Total interest expense | $1,652,000 | 4,324 |
| Net interest income | $1,294,000 | 6,690 |
| Provision for loan and lease losses | $361,000 | 4,323 |
| Total noninterest income | $124,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $9,000 | 7,047 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $115,000 | 5,187 |
| Total noninterest expense | $1,858,000 | 5,726 |
| Salaries and employee benefits | $934,000 | 5,775 |
| Premises and equipment expense | $306,000 | 4,979 |
| Additional noninterest expense | $618,000 | 5,748 |
| Pre-tax net operating income | $-801,000 | 6,533 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $1,000 | 4,465 |
| Income before extraordinary items | $-802,000 | 6,628 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-802,000 | 6,629 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-802,000 | 6,629 |
| Net charge-offs | $194,000 | 4,287 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 150 |
| Net operating income | $-802,000 | 6,624 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,922,000 | 5,928 |
| Total interest expense | $1,141,000 | 4,368 |
| Net interest income | $781,000 | 6,890 |
| Provision for loan and lease losses | $325,000 | 3,583 |
| Total noninterest income | $89,000 | 6,551 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $6,000 | 7,103 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $83,000 | 5,117 |
| Total noninterest expense | $1,260,000 | 5,718 |
| Salaries and employee benefits | $622,000 | 5,832 |
| Premises and equipment expense | $214,000 | 4,889 |
| Additional noninterest expense | $424,000 | 5,680 |
| Pre-tax net operating income | $-715,000 | 6,826 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $1,000 | 4,523 |
| Income before extraordinary items | $-716,000 | 6,955 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-716,000 | 6,955 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-716,000 | 6,955 |
| Net charge-offs | $194,000 | 3,456 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $1,800,000 | 220 |
| Net operating income | $-716,000 | 6,939 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $905,000 | 6,109 |
| Total interest expense | $582,000 | 4,427 |
| Net interest income | $323,000 | 7,257 |
| Provision for loan and lease losses | $107,000 | 3,774 |
| Total noninterest income | $35,000 | 6,851 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $3,000 | 7,123 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $32,000 | 5,513 |
| Total noninterest expense | $609,000 | 5,768 |
| Salaries and employee benefits | $319,000 | 5,824 |
| Premises and equipment expense | $109,000 | 4,883 |
| Additional noninterest expense | $181,000 | 5,842 |
| Pre-tax net operating income | $-358,000 | 7,147 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-358,000 | 7,282 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-358,000 | 7,283 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-358,000 | 7,283 |
| Net charge-offs | $142,000 | 2,474 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-358,000 | 7,241 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,325,000 | 5,835 |
| Total interest expense | $2,640,000 | 4,594 |
| Net interest income | $1,685,000 | 6,779 |
| Provision for loan and lease losses | $199,000 | 5,223 |
| Total noninterest income | $165,000 | 6,752 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,204 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $158,000 | 5,232 |
| Total noninterest expense | $2,448,000 | 5,701 |
| Salaries and employee benefits | $1,220,000 | 5,936 |
| Premises and equipment expense | $416,000 | 4,979 |
| Additional noninterest expense | $812,000 | 5,436 |
| Pre-tax net operating income | $-797,000 | 6,920 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,000 | 4,863 |
| Income before extraordinary items | $-798,000 | 6,894 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-798,000 | 6,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-798,000 | 7,013 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,300,000 | 5,860 |
| Total interest expense | $2,043,000 | 4,636 |
| Net interest income | $1,257,000 | 6,846 |
| Provision for loan and lease losses | $162,000 | 4,525 |
| Total noninterest income | $119,000 | 6,918 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $5,000 | 7,265 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $114,000 | 5,399 |
| Total noninterest expense | $1,869,000 | 5,656 |
| Salaries and employee benefits | $917,000 | 5,928 |
| Premises and equipment expense | $312,000 | 4,994 |
| Additional noninterest expense | $640,000 | 5,237 |
| Pre-tax net operating income | $-655,000 | 7,354 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,000 | 5,240 |
| Income before extraordinary items | $-656,000 | 7,310 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-656,000 | 7,308 |
| 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 | $0 | 1,238 |
| Net operating income | $-656,000 | 7,437 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,225,000 | 5,897 |
| Total interest expense | $1,449,000 | 4,600 |
| Net interest income | $776,000 | 7,010 |
| Provision for loan and lease losses | $129,000 | 3,874 |
| Total noninterest income | $70,000 | 7,132 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $3,000 | 7,319 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $67,000 | 5,708 |
| Total noninterest expense | $1,261,000 | 5,658 |
| Salaries and employee benefits | $597,000 | 6,073 |
| Premises and equipment expense | $211,000 | 4,986 |
| Additional noninterest expense | $453,000 | 5,041 |
| Pre-tax net operating income | $-544,000 | 7,640 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,000 | 5,487 |
| Income before extraordinary items | $-545,000 | 7,726 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-545,000 | 7,725 |
| 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 | $0 | 1,136 |
| Net operating income | $-545,000 | 7,707 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 5,875 |
| Total interest expense | $775,000 | 4,595 |
| Net interest income | $394,000 | 7,039 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $34,000 | 7,181 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $2,000 | 7,305 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $32,000 | 5,807 |
| Total noninterest expense | $622,000 | 5,713 |
| Salaries and employee benefits | $287,000 | 6,211 |
| Premises and equipment expense | $105,000 | 5,030 |
| Additional noninterest expense | $230,000 | 4,950 |
| Pre-tax net operating income | $-194,000 | 7,751 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-194,000 | 7,830 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-194,000 | 7,830 |
| 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 | $0 | 1,000 |
| Net operating income | $-194,000 | 7,799 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,831,000 | 5,322 |
| Total interest expense | $3,254,000 | 4,551 |
| Net interest income | $2,577,000 | 5,899 |
| Provision for loan and lease losses | $16,000 | 6,415 |
| Total noninterest income | $125,000 | 7,328 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $5,000 | 7,385 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $120,000 | 5,934 |
| Total noninterest expense | $2,423,000 | 5,704 |
| Salaries and employee benefits | $1,186,000 | 6,017 |
| Premises and equipment expense | $448,000 | 4,685 |
| Additional noninterest expense | $789,000 | 5,394 |
| Pre-tax net operating income | $263,000 | 6,701 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 5,973 |
| Income before extraordinary items | $262,000 | 6,559 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $262,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $262,000 | 6,542 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,388,000 | 5,327 |
| Total interest expense | $2,404,000 | 4,605 |
| Net interest income | $1,984,000 | 5,863 |
| Provision for loan and lease losses | $16,000 | 5,978 |
| Total noninterest income | $100,000 | 7,318 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,429 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $97,000 | 5,858 |
| Total noninterest expense | $1,812,000 | 5,673 |
| Salaries and employee benefits | $897,000 | 5,979 |
| Premises and equipment expense | $344,000 | 4,592 |
| Additional noninterest expense | $571,000 | 5,452 |
| Pre-tax net operating income | $256,000 | 6,743 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,000 | 6,113 |
| Income before extraordinary items | $255,000 | 6,546 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $255,000 | 6,543 |
| 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 | $255,000 | 6,529 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,847,000 | 5,419 |
| Total interest expense | $1,537,000 | 4,716 |
| Net interest income | $1,310,000 | 5,925 |
| Provision for loan and lease losses | $16,000 | 5,485 |
| Total noninterest income | $71,000 | 7,291 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,000 | 7,481 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $69,000 | 5,763 |
| Total noninterest expense | $1,203,000 | 5,719 |
| Salaries and employee benefits | $602,000 | 6,001 |
| Premises and equipment expense | $240,000 | 4,493 |
| Additional noninterest expense | $361,000 | 5,601 |
| Pre-tax net operating income | $162,000 | 6,884 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,000 | 6,141 |
| Income before extraordinary items | $161,000 | 6,654 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $161,000 | 6,654 |
| 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 | $161,000 | 6,645 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,418,000 | 5,436 |
| Total interest expense | $774,000 | 4,662 |
| Net interest income | $644,000 | 5,975 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $36,000 | 7,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,000 | 7,501 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $35,000 | 5,742 |
| Total noninterest expense | $602,000 | 5,744 |
| Salaries and employee benefits | $305,000 | 5,989 |
| Premises and equipment expense | $117,000 | 4,586 |
| Additional noninterest expense | $180,000 | 5,587 |
| Pre-tax net operating income | $78,000 | 6,946 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $78,000 | 6,739 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $78,000 | 6,738 |
| 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 | $78,000 | 6,718 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,771,000 | 5,133 |
| Total interest expense | $2,776,000 | 4,522 |
| Net interest income | $2,995,000 | 5,531 |
| Provision for loan and lease losses | $12,000 | 6,496 |
| Total noninterest income | $120,000 | 7,565 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $5,000 | 7,507 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $115,000 | 6,084 |
| Total noninterest expense | $2,562,000 | 5,406 |
| Salaries and employee benefits | $1,215,000 | 5,871 |
| Premises and equipment expense | $456,000 | 4,524 |
| Additional noninterest expense | $891,000 | 4,891 |
| Pre-tax net operating income | $541,000 | 6,349 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,000 | 6,499 |
| Income before extraordinary items | $540,000 | 6,017 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $540,000 | 6,018 |
| 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 | $0 | 1,251 |
| Net operating income | $540,000 | 6,016 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,373,000 | 5,094 |
| Total interest expense | $2,048,000 | 4,483 |
| Net interest income | $2,325,000 | 5,470 |
| Provision for loan and lease losses | $12,000 | 6,287 |
| Total noninterest income | $92,000 | 7,621 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $4,000 | 7,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $88,000 | 6,064 |
| Total noninterest expense | $1,940,000 | 5,356 |
| Salaries and employee benefits | $905,000 | 5,863 |
| Premises and equipment expense | $341,000 | 4,540 |
| Additional noninterest expense | $694,000 | 4,742 |
| Pre-tax net operating income | $465,000 | 6,366 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $464,000 | 5,924 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $464,000 | 5,925 |
| 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 | $0 | 1,045 |
| Net operating income | $464,000 | 5,924 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,909,000 | 5,061 |
| Total interest expense | $1,339,000 | 4,396 |
| Net interest income | $1,570,000 | 5,452 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $66,000 | 7,584 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 5,990 |
| Total noninterest expense | $1,320,000 | 5,308 |
| Salaries and employee benefits | $632,000 | 5,740 |
| Premises and equipment expense | $225,000 | 4,575 |
| Additional noninterest expense | $463,000 | 4,729 |
| Pre-tax net operating income | $304,000 | 6,436 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $303,000 | 5,987 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $303,000 | 5,986 |
| 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 | $0 | 887 |
| Net operating income | $303,000 | 5,987 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,401,000 | 5,127 |
| Total interest expense | $637,000 | 4,429 |
| Net interest income | $764,000 | 5,548 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $33,000 | 7,559 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,000 | 7,643 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $687,000 | 5,188 |
| Salaries and employee benefits | $326,000 | 5,675 |
| Premises and equipment expense | $111,000 | 4,639 |
| Additional noninterest expense | $250,000 | 4,475 |
| Pre-tax net operating income | $98,000 | 7,086 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $98,000 | 6,766 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $98,000 | 6,767 |
| 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 | $98,000 | 6,767 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 6,121 |
| Total interest expense | $1,385,000 | 5,449 |
| Net interest income | $2,206,000 | 6,375 |
| Provision for loan and lease losses | $260,000 | 3,084 |
| Total noninterest income | $163,000 | 7,379 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $4,000 | 7,677 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $159,000 | 5,623 |
| Total noninterest expense | $2,477,000 | 5,408 |
| Salaries and employee benefits | $1,266,000 | 5,606 |
| Premises and equipment expense | $431,000 | 4,632 |
| Additional noninterest expense | $780,000 | 5,254 |
| Pre-tax net operating income | $-368,000 | 8,454 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $-369,000 | 8,492 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-369,000 | 8,492 |
| 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 | $4,800,000 | 313 |
| Net operating income | $-369,000 | 8,474 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 6,454 |
| Total interest expense | $871,000 | 5,799 |
| Net interest income | $1,501,000 | 6,672 |
| Provision for loan and lease losses | $196,000 | 3,001 |
| Total noninterest income | $126,000 | 7,357 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 7,723 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $123,000 | 5,562 |
| Total noninterest expense | $1,810,000 | 5,464 |
| Salaries and employee benefits | $943,000 | 5,619 |
| Premises and equipment expense | $318,000 | 4,649 |
| Additional noninterest expense | $549,000 | 5,417 |
| Pre-tax net operating income | $-379,000 | 8,566 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $-380,000 | 8,605 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-380,000 | 8,605 |
| 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 | $4,800,000 | 225 |
| Net operating income | $-380,000 | 8,576 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,398,000 | 6,722 |
| Total interest expense | $472,000 | 6,183 |
| Net interest income | $926,000 | 6,854 |
| Provision for loan and lease losses | $137,000 | 2,820 |
| Total noninterest income | $88,000 | 7,260 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,000 | 7,732 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $86,000 | 5,460 |
| Total noninterest expense | $1,207,000 | 5,460 |
| Salaries and employee benefits | $646,000 | 5,504 |
| Premises and equipment expense | $207,000 | 4,708 |
| Additional noninterest expense | $354,000 | 5,485 |
| Pre-tax net operating income | $-330,000 | 8,612 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 6,848 |
| Income before extraordinary items | $-331,000 | 8,647 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-331,000 | 8,647 |
| 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 | $0 | 643 |
| Net operating income | $-331,000 | 8,622 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $621,000 | 7,023 |
| Total interest expense | $189,000 | 6,688 |
| Net interest income | $432,000 | 7,078 |
| Provision for loan and lease losses | $57,000 | 3,030 |
| Total noninterest income | $51,000 | 7,038 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,000 | 7,789 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $50,000 | 5,188 |
| Total noninterest expense | $649,000 | 5,254 |
| Salaries and employee benefits | $347,000 | 5,324 |
| Premises and equipment expense | $103,000 | 4,762 |
| Additional noninterest expense | $199,000 | 5,090 |
| Pre-tax net operating income | $-223,000 | 8,741 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-223,000 | 8,767 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-223,000 | 8,767 |
| 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 | $0 | 491 |
| Net operating income | $-223,000 | 8,748 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,383,000 | 8,028 |
| Total interest expense | $599,000 | 6,944 |
| Net interest income | $784,000 | 8,321 |
| Provision for loan and lease losses | $303,000 | 2,883 |
| Total noninterest income | $151,000 | 7,601 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $14,000 | 7,733 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $137,000 | 5,850 |
| Total noninterest expense | $2,711,000 | 5,015 |
| Salaries and employee benefits | $1,615,000 | 4,706 |
| Premises and equipment expense | $407,000 | 4,703 |
| Additional noninterest expense | $689,000 | 5,575 |
| Pre-tax net operating income | $-2,079,000 | 8,901 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,000 | 7,085 |
| Income before extraordinary items | $-2,080,000 | 8,918 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,080,000 | 8,919 |
| 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 | $0 | 872 |
| Net operating income | $-2,080,000 | 8,903 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $898,000 | 8,258 |
| Total interest expense | $425,000 | 7,074 |
| Net interest income | $473,000 | 8,557 |
| Provision for loan and lease losses | $788,000 | 972 |
| Total noninterest income | $99,000 | 7,812 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $11,000 | 7,770 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $88,000 | 6,162 |
| Total noninterest expense | $2,066,000 | 4,927 |
| Salaries and employee benefits | $1,248,000 | 4,558 |
| Premises and equipment expense | $300,000 | 4,749 |
| Additional noninterest expense | $518,000 | 5,541 |
| Pre-tax net operating income | $-2,282,000 | 8,980 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,000 | 7,130 |
| Income before extraordinary items | $-2,283,000 | 8,989 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-2,283,000 | 8,990 |
| 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 | $0 | 738 |
| Net operating income | $-2,283,000 | 8,980 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $540,000 | 8,429 |
| Total interest expense | $269,000 | 7,220 |
| Net interest income | $271,000 | 8,714 |
| Provision for loan and lease losses | $85,000 | 3,829 |
| Total noninterest income | $65,000 | 7,875 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $6,000 | 7,847 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $59,000 | 6,161 |
| Total noninterest expense | $1,375,000 | 4,952 |
| Salaries and employee benefits | $831,000 | 4,583 |
| Premises and equipment expense | $195,000 | 4,840 |
| Additional noninterest expense | $349,000 | 5,517 |
| Pre-tax net operating income | $-1,124,000 | 9,005 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,000 | 7,109 |
| Income before extraordinary items | $-1,125,000 | 9,021 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,125,000 | 9,022 |
| 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 | $0 | 638 |
| Net operating income | $-1,125,000 | 9,007 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $256,000 | 8,525 |
| Total interest expense | $120,000 | 7,527 |
| Net interest income | $136,000 | 8,755 |
| Provision for loan and lease losses | $42,000 | 3,681 |
| Total noninterest income | $28,000 | 8,048 |
| 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 | $27,000 | 6,301 |
| Total noninterest expense | $696,000 | 4,947 |
| Salaries and employee benefits | $436,000 | 4,450 |
| Premises and equipment expense | $96,000 | 4,925 |
| Additional noninterest expense | $164,000 | 5,716 |
| Pre-tax net operating income | $-574,000 | 9,052 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-574,000 | 9,065 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-574,000 | 9,064 |
| 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 | $0 | 464 |
| Net operating income | $-574,000 | 9,046 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $212,000 | 9,068 |
| Total interest expense | $105,000 | 8,948 |
| Net interest income | $107,000 | 9,096 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $40,000 | 8,866 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,000 | 8,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $39,000 | 7,855 |
| Total noninterest expense | $1,391,000 | 7,089 |
| Salaries and employee benefits | $824,000 | 6,831 |
| Premises and equipment expense | $180,000 | 7,024 |
| Additional noninterest expense | $387,000 | 7,239 |
| Pre-tax net operating income | $-1,364,000 | 9,032 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,000 | 7,379 |
| Income before extraordinary items | $-1,365,000 | 9,079 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,365,000 | 9,080 |
| 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 | $10,300,000 | 83 |
| Net operating income | $-1,365,000 | 9,035 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $40,000 | 9,202 |
| Total interest expense | $15,000 | 9,155 |
| Net interest income | $25,000 | 9,203 |
| Provision for loan and lease losses | $33,000 | 6,333 |
| Total noninterest income | $11,000 | 9,105 |
| 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 | $11,000 | 8,647 |
| Total noninterest expense | $635,000 | 8,196 |
| Salaries and employee benefits | $412,000 | 7,876 |
| Premises and equipment expense | $90,000 | 7,812 |
| Additional noninterest expense | $133,000 | 8,600 |
| Pre-tax net operating income | $-632,000 | 9,004 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-632,000 | 9,068 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-632,000 | 9,066 |
| 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 | $10,300,000 | 55 |
| Net operating income | $-632,000 | 9,014 |
* 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.