Home > American Trust Bank > Income and Expense
American Trust Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,499,000 | 3,390 |
| Total interest expense | $5,324,000 | 1,556 |
| Net interest income | $3,175,000 | 5,208 |
| Provision for loan and lease losses | $4,440,000 | 1,249 |
| Total noninterest income | $-1,176,000 | 7,559 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $181,000 | 4,601 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,357,000 | 7,527 |
| Total noninterest expense | $7,107,000 | 2,695 |
| Salaries and employee benefits | $2,436,000 | 3,653 |
| Premises and equipment expense | $865,000 | 2,788 |
| Additional noninterest expense | $3,806,000 | 1,881 |
| Pre-tax net operating income | $-9,548,000 | 7,338 |
| Securities gains (losses) | $595,000 | 768 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-8,953,000 | 7,350 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-8,953,000 | 7,350 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-8,953,000 | 7,350 |
| Net charge-offs | $5,735,000 | 911 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 790 |
| Net operating income | $-9,548,000 | 7,354 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,584,000 | 3,358 |
| Total interest expense | $4,242,000 | 1,527 |
| Net interest income | $2,342,000 | 5,320 |
| Provision for loan and lease losses | $2,996,000 | 1,268 |
| Total noninterest income | $321,000 | 4,927 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $132,000 | 4,714 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $189,000 | 4,261 |
| Total noninterest expense | $5,101,000 | 2,788 |
| Salaries and employee benefits | $1,869,000 | 3,632 |
| Premises and equipment expense | $654,000 | 2,832 |
| Additional noninterest expense | $2,578,000 | 2,007 |
| Pre-tax net operating income | $-5,434,000 | 7,392 |
| Securities gains (losses) | $595,000 | 638 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-4,839,000 | 7,409 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,839,000 | 7,409 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,839,000 | 7,409 |
| Net charge-offs | $2,879,000 | 1,174 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 700 |
| Net operating income | $-5,434,000 | 7,421 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,527,000 | 3,307 |
| Total interest expense | $2,914,000 | 1,547 |
| Net interest income | $1,613,000 | 5,236 |
| Provision for loan and lease losses | $2,996,000 | 951 |
| Total noninterest income | $228,000 | 4,798 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $92,000 | 4,638 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $136,000 | 4,151 |
| Total noninterest expense | $3,375,000 | 2,813 |
| Salaries and employee benefits | $1,274,000 | 3,589 |
| Premises and equipment expense | $437,000 | 2,837 |
| Additional noninterest expense | $1,664,000 | 2,059 |
| Pre-tax net operating income | $-4,530,000 | 7,528 |
| Securities gains (losses) | $124,000 | 1,272 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-4,406,000 | 7,550 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,406,000 | 7,550 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-4,406,000 | 7,550 |
| Net charge-offs | $2,551,000 | 940 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 559 |
| Net operating income | $-4,530,000 | 7,552 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,371,000 | 3,231 |
| Total interest expense | $1,431,000 | 1,648 |
| Net interest income | $940,000 | 4,854 |
| Provision for loan and lease losses | $1,060,000 | 1,121 |
| Total noninterest income | $101,000 | 5,028 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $45,000 | 4,675 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $56,000 | 4,499 |
| Total noninterest expense | $1,677,000 | 2,858 |
| Salaries and employee benefits | $658,000 | 3,555 |
| Premises and equipment expense | $217,000 | 2,929 |
| Additional noninterest expense | $802,000 | 2,116 |
| Pre-tax net operating income | $-1,696,000 | 7,554 |
| Securities gains (losses) | $74,000 | 936 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,622,000 | 7,592 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,622,000 | 7,593 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,622,000 | 7,593 |
| Net charge-offs | $471,000 | 1,626 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 496 |
| Net operating income | $-1,696,000 | 7,598 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,788,000 | 3,032 |
| Total interest expense | $7,133,000 | 1,660 |
| Net interest income | $3,655,000 | 4,848 |
| Provision for loan and lease losses | $8,921,000 | 956 |
| Total noninterest income | $-1,988,000 | 7,967 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $150,000 | 5,159 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-2,138,000 | 7,957 |
| Total noninterest expense | $7,010,000 | 2,796 |
| Salaries and employee benefits | $3,192,000 | 3,015 |
| Premises and equipment expense | $902,000 | 2,818 |
| Additional noninterest expense | $2,916,000 | 2,408 |
| Pre-tax net operating income | $-14,264,000 | 7,614 |
| Securities gains (losses) | $130,000 | 1,908 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-14,134,000 | 7,662 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-14,134,000 | 7,660 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-14,134,000 | 7,661 |
| Net charge-offs | $7,162,000 | 880 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 910 |
| Net operating income | $-14,264,000 | 7,664 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,237,000 | 3,023 |
| Total interest expense | $5,526,000 | 1,678 |
| Net interest income | $2,711,000 | 4,887 |
| Provision for loan and lease losses | $6,163,000 | 903 |
| Total noninterest income | $78,000 | 7,070 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $103,000 | 5,320 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-25,000 | 7,713 |
| Total noninterest expense | $4,877,000 | 2,981 |
| Salaries and employee benefits | $2,471,000 | 2,978 |
| Premises and equipment expense | $698,000 | 2,774 |
| Additional noninterest expense | $1,708,000 | 2,954 |
| Pre-tax net operating income | $-8,251,000 | 7,682 |
| Securities gains (losses) | $48,000 | 2,327 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-8,203,000 | 7,729 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-8,203,000 | 7,728 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-8,203,000 | 7,728 |
| Net charge-offs | $5,087,000 | 806 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 888 |
| Net operating income | $-8,251,000 | 7,739 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,688,000 | 2,960 |
| Total interest expense | $3,553,000 | 1,813 |
| Net interest income | $2,135,000 | 4,382 |
| Provision for loan and lease losses | $2,663,000 | 1,174 |
| Total noninterest income | $117,000 | 6,148 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $59,000 | 5,550 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $58,000 | 5,624 |
| Total noninterest expense | $3,111,000 | 3,131 |
| Salaries and employee benefits | $1,677,000 | 2,966 |
| Premises and equipment expense | $452,000 | 2,892 |
| Additional noninterest expense | $982,000 | 3,333 |
| Pre-tax net operating income | $-3,522,000 | 7,621 |
| Securities gains (losses) | $36,000 | 2,081 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,486,000 | 7,677 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,486,000 | 7,676 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,486,000 | 7,676 |
| Net charge-offs | $2,002,000 | 1,130 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 963 |
| Net operating income | $-3,522,000 | 7,692 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 2,928 |
| Total interest expense | $1,767,000 | 1,880 |
| Net interest income | $1,153,000 | 4,133 |
| Provision for loan and lease losses | $1,150,000 | 1,087 |
| Total noninterest income | $105,000 | 5,122 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $28,000 | 5,598 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $77,000 | 4,081 |
| Total noninterest expense | $1,587,000 | 2,989 |
| Salaries and employee benefits | $906,000 | 2,788 |
| Premises and equipment expense | $225,000 | 2,942 |
| Additional noninterest expense | $456,000 | 3,243 |
| Pre-tax net operating income | $-1,479,000 | 7,748 |
| Securities gains (losses) | $36,000 | 1,437 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,443,000 | 7,820 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,443,000 | 7,821 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,443,000 | 7,821 |
| Net charge-offs | $57,000 | 3,422 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,479,000 | 7,817 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,514,000 | 2,553 |
| Total interest expense | $8,983,000 | 1,786 |
| Net interest income | $5,531,000 | 3,677 |
| Provision for loan and lease losses | $1,069,000 | 2,606 |
| Total noninterest income | $371,000 | 5,418 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $87,000 | 6,083 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $284,000 | 4,201 |
| Total noninterest expense | $6,936,000 | 2,710 |
| Salaries and employee benefits | $3,867,000 | 2,585 |
| Premises and equipment expense | $686,000 | 3,567 |
| Additional noninterest expense | $2,383,000 | 2,442 |
| Pre-tax net operating income | $-2,103,000 | 7,389 |
| Securities gains (losses) | $96,000 | 1,159 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-2,007,000 | 7,383 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,007,000 | 7,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $908,000 | 2,070 |
| Cash dividends | $1,408,000 | 1,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,103,000 | 7,505 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,324,000 | 2,501 |
| Total interest expense | $6,956,000 | 1,811 |
| Net interest income | $4,368,000 | 3,576 |
| Provision for loan and lease losses | $569,000 | 2,546 |
| Total noninterest income | $288,000 | 5,443 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $65,000 | 6,126 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $223,000 | 4,220 |
| Total noninterest expense | $4,704,000 | 2,932 |
| Salaries and employee benefits | $2,928,000 | 2,595 |
| Premises and equipment expense | $466,000 | 3,838 |
| Additional noninterest expense | $1,310,000 | 3,123 |
| Pre-tax net operating income | $-617,000 | 7,331 |
| Securities gains (losses) | $66,000 | 1,242 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-551,000 | 7,225 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-551,000 | 7,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 1,869 |
| Cash dividends | $1,408,000 | 1,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-617,000 | 7,402 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,788,000 | 2,477 |
| Total interest expense | $4,715,000 | 1,847 |
| Net interest income | $3,073,000 | 3,422 |
| Provision for loan and lease losses | $198,000 | 3,186 |
| Total noninterest income | $25,000 | 7,947 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $44,000 | 6,115 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-19,000 | 8,341 |
| Total noninterest expense | $2,935,000 | 3,125 |
| Salaries and employee benefits | $1,794,000 | 2,819 |
| Premises and equipment expense | $302,000 | 3,952 |
| Additional noninterest expense | $839,000 | 3,219 |
| Pre-tax net operating income | $-35,000 | 7,055 |
| Securities gains (losses) | $48,000 | 1,469 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $13,000 | 6,928 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $13,000 | 6,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,393 |
| Cash dividends | $1,408,000 | 1,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-35,000 | 7,087 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,236,000 | 2,375 |
| Total interest expense | $2,493,000 | 1,876 |
| Net interest income | $1,743,000 | 3,086 |
| Provision for loan and lease losses | $121,000 | 2,446 |
| Total noninterest income | $4,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $22,000 | 6,119 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-18,000 | 8,413 |
| Total noninterest expense | $1,412,000 | 3,242 |
| Salaries and employee benefits | $883,000 | 2,891 |
| Premises and equipment expense | $143,000 | 4,131 |
| Additional noninterest expense | $386,000 | 3,414 |
| Pre-tax net operating income | $214,000 | 4,837 |
| Securities gains (losses) | $9,000 | 2,013 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $223,000 | 4,443 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $223,000 | 4,445 |
| 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 | $214,000 | 4,423 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,062,000 | 2,409 |
| Total interest expense | $9,431,000 | 2,030 |
| Net interest income | $7,631,000 | 2,860 |
| Provision for loan and lease losses | $507,000 | 2,302 |
| Total noninterest income | $-105,000 | 8,502 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $64,000 | 6,532 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-169,000 | 8,505 |
| Total noninterest expense | $4,982,000 | 3,444 |
| Salaries and employee benefits | $2,971,000 | 3,246 |
| Premises and equipment expense | $566,000 | 4,005 |
| Additional noninterest expense | $1,445,000 | 3,532 |
| Pre-tax net operating income | $2,037,000 | 3,276 |
| Securities gains (losses) | $3,000 | 1,730 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $2,040,000 | 2,773 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,040,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,669 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,037,000 | 2,759 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,463,000 | 2,464 |
| Total interest expense | $6,913,000 | 2,069 |
| Net interest income | $5,550,000 | 2,950 |
| Provision for loan and lease losses | $284,000 | 2,395 |
| Total noninterest income | $-48,000 | 8,532 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $46,000 | 6,605 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-94,000 | 8,538 |
| Total noninterest expense | $3,603,000 | 3,534 |
| Salaries and employee benefits | $2,190,000 | 3,280 |
| Premises and equipment expense | $410,000 | 4,096 |
| Additional noninterest expense | $1,003,000 | 3,687 |
| Pre-tax net operating income | $1,615,000 | 3,301 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,615,000 | 2,818 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,615,000 | 2,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,416 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,615,000 | 2,798 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,253,000 | 2,493 |
| Total interest expense | $4,534,000 | 2,100 |
| Net interest income | $3,719,000 | 2,961 |
| Provision for loan and lease losses | $115,000 | 3,098 |
| Total noninterest income | $-39,000 | 8,592 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $31,000 | 6,626 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-70,000 | 8,599 |
| Total noninterest expense | $2,270,000 | 3,739 |
| Salaries and employee benefits | $1,377,000 | 3,465 |
| Premises and equipment expense | $261,000 | 4,256 |
| Additional noninterest expense | $632,000 | 3,860 |
| Pre-tax net operating income | $1,295,000 | 2,954 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,295,000 | 2,491 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,295,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,622 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,295,000 | 2,479 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,197,000 | 2,457 |
| Total interest expense | $2,290,000 | 2,074 |
| Net interest income | $1,907,000 | 2,872 |
| Provision for loan and lease losses | $80,000 | 2,339 |
| Total noninterest income | $-10,000 | 8,617 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $14,000 | 6,735 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $-24,000 | 8,618 |
| Total noninterest expense | $1,114,000 | 3,795 |
| Salaries and employee benefits | $651,000 | 3,657 |
| Premises and equipment expense | $126,000 | 4,371 |
| Additional noninterest expense | $337,000 | 3,633 |
| Pre-tax net operating income | $703,000 | 2,794 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $703,000 | 2,321 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $703,000 | 2,321 |
| 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 | $703,000 | 2,298 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,363,000 | 2,641 |
| Total interest expense | $7,646,000 | 2,126 |
| Net interest income | $6,717,000 | 3,226 |
| Provision for loan and lease losses | $814,000 | 1,253 |
| Total noninterest income | $163,000 | 7,205 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $55,000 | 6,806 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $108,000 | 6,200 |
| Total noninterest expense | $4,158,000 | 3,874 |
| Salaries and employee benefits | $2,459,000 | 3,659 |
| Premises and equipment expense | $605,000 | 3,742 |
| Additional noninterest expense | $1,094,000 | 4,234 |
| Pre-tax net operating income | $1,908,000 | 3,745 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,908,000 | 3,202 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,908,000 | 3,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,500 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,908,000 | 3,190 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,496,000 | 2,687 |
| Total interest expense | $5,507,000 | 2,144 |
| Net interest income | $4,989,000 | 3,279 |
| Provision for loan and lease losses | $606,000 | 1,198 |
| Total noninterest income | $78,000 | 7,776 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $40,000 | 6,925 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $38,000 | 7,269 |
| Total noninterest expense | $2,923,000 | 4,052 |
| Salaries and employee benefits | $1,719,000 | 3,853 |
| Premises and equipment expense | $422,000 | 3,966 |
| Additional noninterest expense | $782,000 | 4,344 |
| Pre-tax net operating income | $1,538,000 | 3,727 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,538,000 | 3,151 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,538,000 | 3,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,644 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,538,000 | 3,142 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,717,000 | 2,746 |
| Total interest expense | $3,486,000 | 2,138 |
| Net interest income | $3,231,000 | 3,358 |
| Provision for loan and lease losses | $421,000 | 1,130 |
| Total noninterest income | $62,000 | 7,651 |
| 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 | $38,000 | 6,794 |
| Total noninterest expense | $1,941,000 | 4,079 |
| Salaries and employee benefits | $1,141,000 | 3,886 |
| Premises and equipment expense | $286,000 | 3,912 |
| Additional noninterest expense | $514,000 | 4,396 |
| Pre-tax net operating income | $931,000 | 3,966 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $931,000 | 3,377 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $931,000 | 3,380 |
| 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 | $931,000 | 3,368 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,029,000 | 2,953 |
| Total interest expense | $1,490,000 | 2,343 |
| Net interest income | $1,539,000 | 3,470 |
| Provision for loan and lease losses | $232,000 | 1,003 |
| Total noninterest income | $12,000 | 8,372 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $997,000 | 4,025 |
| Salaries and employee benefits | $591,000 | 3,807 |
| Premises and equipment expense | $140,000 | 3,988 |
| Additional noninterest expense | $266,000 | 4,275 |
| Pre-tax net operating income | $322,000 | 4,780 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $322,000 | 4,241 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $322,000 | 4,241 |
| 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 | $322,000 | 4,224 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,319,000 | 4,016 |
| Total interest expense | $3,401,000 | 3,014 |
| Net interest income | $3,918,000 | 4,688 |
| Provision for loan and lease losses | $698,000 | 1,428 |
| Total noninterest income | $89,000 | 8,043 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $54,000 | 7,024 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $35,000 | 7,739 |
| Total noninterest expense | $3,002,000 | 4,763 |
| Salaries and employee benefits | $1,696,000 | 4,673 |
| Premises and equipment expense | $489,000 | 4,255 |
| Additional noninterest expense | $817,000 | 5,092 |
| Pre-tax net operating income | $307,000 | 7,352 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $307,000 | 7,153 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $307,000 | 7,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,136 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $307,000 | 7,137 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,718,000 | 4,434 |
| Total interest expense | $2,110,000 | 3,367 |
| Net interest income | $2,608,000 | 5,050 |
| Provision for loan and lease losses | $481,000 | 1,446 |
| Total noninterest income | $81,000 | 7,896 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 6,939 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,480 |
| Total noninterest expense | $2,046,000 | 5,061 |
| Salaries and employee benefits | $1,151,000 | 4,951 |
| Premises and equipment expense | $347,000 | 4,392 |
| Additional noninterest expense | $548,000 | 5,425 |
| Pre-tax net operating income | $162,000 | 7,787 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $162,000 | 7,650 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $162,000 | 7,650 |
| 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 | $0 | 769 |
| Net operating income | $162,000 | 7,618 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,736,000 | 4,795 |
| Total interest expense | $1,197,000 | 3,624 |
| Net interest income | $1,539,000 | 5,418 |
| Provision for loan and lease losses | $228,000 | 1,939 |
| Total noninterest income | $49,000 | 7,981 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $28,000 | 7,031 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $21,000 | 7,597 |
| Total noninterest expense | $1,201,000 | 5,472 |
| Salaries and employee benefits | $629,000 | 5,593 |
| Premises and equipment expense | $227,000 | 4,414 |
| Additional noninterest expense | $345,000 | 5,576 |
| Pre-tax net operating income | $159,000 | 7,487 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $159,000 | 7,275 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $159,000 | 7,276 |
| 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 | $159,000 | 7,229 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,278,000 | 4,974 |
| Total interest expense | $543,000 | 3,792 |
| Net interest income | $735,000 | 5,592 |
| Provision for loan and lease losses | $84,000 | 2,355 |
| Total noninterest income | $29,000 | 7,826 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $13,000 | 7,104 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,179 |
| Total noninterest expense | $599,000 | 5,519 |
| Salaries and employee benefits | $324,000 | 5,546 |
| Premises and equipment expense | $113,000 | 4,465 |
| Additional noninterest expense | $162,000 | 5,752 |
| Pre-tax net operating income | $81,000 | 7,483 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $81,000 | 7,216 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $81,000 | 7,216 |
| 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 | $81,000 | 7,187 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,778,000 | 6,634 |
| Total interest expense | $1,066,000 | 5,481 |
| Net interest income | $1,712,000 | 7,026 |
| Provision for loan and lease losses | $462,000 | 2,093 |
| Total noninterest income | $91,000 | 8,183 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $49,000 | 7,312 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $42,000 | 7,616 |
| Total noninterest expense | $2,103,000 | 5,849 |
| Salaries and employee benefits | $1,130,000 | 5,891 |
| Premises and equipment expense | $440,000 | 4,482 |
| Additional noninterest expense | $533,000 | 6,356 |
| Pre-tax net operating income | $-762,000 | 8,744 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-762,000 | 8,784 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-762,000 | 8,785 |
| 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 | $-762,000 | 8,762 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,763,000 | 7,061 |
| Total interest expense | $644,000 | 6,063 |
| Net interest income | $1,119,000 | 7,343 |
| Provision for loan and lease losses | $293,000 | 2,317 |
| Total noninterest income | $70,000 | 8,209 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $39,000 | 7,302 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 7,667 |
| Total noninterest expense | $1,519,000 | 5,917 |
| Salaries and employee benefits | $808,000 | 5,996 |
| Premises and equipment expense | $328,000 | 4,493 |
| Additional noninterest expense | $383,000 | 6,441 |
| Pre-tax net operating income | $-623,000 | 8,811 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-623,000 | 8,850 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-623,000 | 8,851 |
| 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 | $-623,000 | 8,827 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $954,000 | 7,540 |
| Total interest expense | $330,000 | 6,759 |
| Net interest income | $624,000 | 7,739 |
| Provision for loan and lease losses | $201,000 | 2,189 |
| Total noninterest income | $53,000 | 8,120 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $27,000 | 7,303 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $951,000 | 6,175 |
| Salaries and employee benefits | $488,000 | 6,367 |
| Premises and equipment expense | $217,000 | 4,509 |
| Additional noninterest expense | $246,000 | 6,586 |
| Pre-tax net operating income | $-475,000 | 8,892 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-475,000 | 8,924 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-475,000 | 8,926 |
| 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 | $-475,000 | 8,903 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $372,000 | 8,030 |
| Total interest expense | $128,000 | 7,392 |
| Net interest income | $244,000 | 8,167 |
| Provision for loan and lease losses | $160,000 | 1,360 |
| Total noninterest income | $30,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $15,000 | 7,174 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $456,000 | 6,366 |
| Salaries and employee benefits | $234,000 | 6,545 |
| Premises and equipment expense | $107,000 | 4,590 |
| Additional noninterest expense | $115,000 | 6,800 |
| Pre-tax net operating income | $-342,000 | 8,985 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-342,000 | 9,014 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-342,000 | 9,013 |
| 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 | $-342,000 | 8,991 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $363,000 | 9,018 |
| Total interest expense | $76,000 | 8,999 |
| Net interest income | $287,000 | 8,999 |
| Provision for loan and lease losses | $163,000 | 4,446 |
| Total noninterest income | $2,000 | 9,113 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,000 | 8,020 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $1,272,000 | 7,324 |
| Salaries and employee benefits | $694,000 | 7,315 |
| Premises and equipment expense | $214,000 | 6,622 |
| Additional noninterest expense | $364,000 | 7,359 |
| Pre-tax net operating income | $-1,146,000 | 8,998 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-1,146,000 | 9,052 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,146,000 | 9,053 |
| 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 | $9,100,000 | 96 |
| Net operating income | $-1,146,000 | 9,009 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $120,000 | 9,167 |
| Total interest expense | $25,000 | 9,135 |
| Net interest income | $95,000 | 9,157 |
| Provision for loan and lease losses | $95,000 | 4,748 |
| Total noninterest income | $0 | 9,186 |
| 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 | $0 | 9,106 |
| Total noninterest expense | $842,000 | 7,617 |
| Salaries and employee benefits | $467,000 | 7,568 |
| Premises and equipment expense | $114,000 | 7,377 |
| Additional noninterest expense | $261,000 | 7,464 |
| Pre-tax net operating income | $-842,000 | 9,054 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-842,000 | 9,105 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-842,000 | 9,103 |
| 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 | $9,100,000 | 65 |
| Net operating income | $-842,000 | 9,063 |
* 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.