Home > Bank of Escondido > Income and Expense
Bank of Escondido, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,372,000 | 6,114 |
| Total interest expense | $670,000 | 6,752 |
| Net interest income | $2,702,000 | 5,643 |
| Provision for loan and lease losses | $1,641,000 | 2,749 |
| Total noninterest income | $28,000 | 7,542 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $101,000 | 5,741 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-73,000 | 7,565 |
| Total noninterest expense | $2,624,000 | 5,555 |
| Salaries and employee benefits | $1,276,000 | 5,664 |
| Premises and equipment expense | $287,000 | 5,750 |
| Additional noninterest expense | $1,061,000 | 5,077 |
| Pre-tax net operating income | $-1,535,000 | 6,456 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $333,000 | 1,928 |
| Income before extraordinary items | $-1,868,000 | 6,706 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,868,000 | 6,705 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,868,000 | 6,705 |
| Net charge-offs | $1,182,000 | 2,668 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,868,000 | 6,701 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,333,000 | 5,514 |
| Total interest expense | $447,000 | 7,041 |
| Net interest income | $2,886,000 | 4,698 |
| Provision for loan and lease losses | $1,938,000 | 1,951 |
| Total noninterest income | $226,000 | 5,663 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $111,000 | 5,220 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $115,000 | 5,187 |
| Total noninterest expense | $2,480,000 | 4,909 |
| Salaries and employee benefits | $1,286,000 | 4,826 |
| Premises and equipment expense | $320,000 | 4,856 |
| Additional noninterest expense | $874,000 | 4,808 |
| Pre-tax net operating income | $-1,306,000 | 6,789 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $137,000 | 2,643 |
| Income before extraordinary items | $-1,443,000 | 6,980 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,443,000 | 6,980 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,443,000 | 6,981 |
| Net charge-offs | $964,000 | 2,238 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,443,000 | 6,959 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,213,000 | 5,578 |
| Total interest expense | $285,000 | 7,203 |
| Net interest income | $1,928,000 | 4,693 |
| Provision for loan and lease losses | $1,642,000 | 1,579 |
| Total noninterest income | $159,000 | 5,624 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $80,000 | 5,062 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $79,000 | 5,184 |
| Total noninterest expense | $1,663,000 | 4,927 |
| Salaries and employee benefits | $871,000 | 4,846 |
| Premises and equipment expense | $210,000 | 4,946 |
| Additional noninterest expense | $582,000 | 4,812 |
| Pre-tax net operating income | $-1,218,000 | 7,126 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-485,000 | 7,568 |
| Income before extraordinary items | $-733,000 | 6,971 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-733,000 | 6,971 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-733,000 | 6,971 |
| Net charge-offs | $879,000 | 1,739 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-733,000 | 6,956 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,063,000 | 5,725 |
| Total interest expense | $136,000 | 7,341 |
| Net interest income | $927,000 | 4,793 |
| Provision for loan and lease losses | $695,000 | 1,475 |
| Total noninterest income | $72,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $44,000 | 4,850 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $28,000 | 5,720 |
| Total noninterest expense | $786,000 | 5,008 |
| Salaries and employee benefits | $425,000 | 4,956 |
| Premises and equipment expense | $107,000 | 4,927 |
| Additional noninterest expense | $254,000 | 4,905 |
| Pre-tax net operating income | $-482,000 | 7,303 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-190,000 | 7,697 |
| Income before extraordinary items | $-292,000 | 7,187 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-292,000 | 7,187 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-292,000 | 7,188 |
| Net charge-offs | $636,000 | 1,214 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-292,000 | 7,130 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,623,000 | 5,666 |
| Total interest expense | $1,110,000 | 6,599 |
| Net interest income | $3,513,000 | 4,967 |
| Provision for loan and lease losses | $384,000 | 4,201 |
| Total noninterest income | $413,000 | 5,213 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $142,000 | 5,412 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $271,000 | 4,284 |
| Total noninterest expense | $2,915,000 | 5,212 |
| Salaries and employee benefits | $1,717,000 | 4,936 |
| Premises and equipment expense | $393,000 | 5,129 |
| Additional noninterest expense | $805,000 | 5,455 |
| Pre-tax net operating income | $627,000 | 4,559 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $266,000 | 2,528 |
| Income before extraordinary items | $361,000 | 4,872 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $361,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 4,617 |
| Cash dividends | $1,225,000 | 2,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $361,000 | 5,039 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,500,000 | 5,716 |
| Total interest expense | $910,000 | 6,535 |
| Net interest income | $2,590,000 | 5,059 |
| Provision for loan and lease losses | $205,000 | 4,170 |
| Total noninterest income | $289,000 | 5,436 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $101,000 | 5,512 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $188,000 | 4,535 |
| Total noninterest expense | $2,220,000 | 5,151 |
| Salaries and employee benefits | $1,326,000 | 4,850 |
| Premises and equipment expense | $287,000 | 5,222 |
| Additional noninterest expense | $607,000 | 5,391 |
| Pre-tax net operating income | $454,000 | 5,085 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $213,000 | 2,837 |
| Income before extraordinary items | $241,000 | 5,494 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $241,000 | 5,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,754 |
| Cash dividends | $1,125,000 | 1,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $241,000 | 5,668 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,370,000 | 5,750 |
| Total interest expense | $649,000 | 6,524 |
| Net interest income | $1,721,000 | 5,075 |
| Provision for loan and lease losses | $148,000 | 3,696 |
| Total noninterest income | $194,000 | 5,488 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $71,000 | 5,461 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $123,000 | 4,665 |
| Total noninterest expense | $1,441,000 | 5,255 |
| Salaries and employee benefits | $870,000 | 4,936 |
| Premises and equipment expense | $183,000 | 5,376 |
| Additional noninterest expense | $388,000 | 5,507 |
| Pre-tax net operating income | $326,000 | 5,149 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $151,000 | 3,002 |
| Income before extraordinary items | $175,000 | 5,794 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $175,000 | 5,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,371 |
| Cash dividends | $125,000 | 3,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $175,000 | 5,729 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,271,000 | 5,645 |
| Total interest expense | $374,000 | 6,377 |
| Net interest income | $897,000 | 4,961 |
| Provision for loan and lease losses | $140,000 | 2,266 |
| Total noninterest income | $102,000 | 5,376 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $28,000 | 5,782 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $74,000 | 4,349 |
| Total noninterest expense | $715,000 | 5,300 |
| Salaries and employee benefits | $426,000 | 5,053 |
| Premises and equipment expense | $92,000 | 5,397 |
| Additional noninterest expense | $197,000 | 5,417 |
| Pre-tax net operating income | $144,000 | 5,513 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $67,000 | 3,264 |
| Income before extraordinary items | $77,000 | 6,171 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $77,000 | 6,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $125,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $77,000 | 6,078 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,629,000 | 5,411 |
| Total interest expense | $1,741,000 | 6,128 |
| Net interest income | $3,888,000 | 4,712 |
| Provision for loan and lease losses | $383,000 | 2,763 |
| Total noninterest income | $285,000 | 6,114 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $109,000 | 5,906 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $176,000 | 5,305 |
| Total noninterest expense | $2,925,000 | 5,084 |
| Salaries and employee benefits | $1,904,000 | 4,559 |
| Premises and equipment expense | $282,000 | 5,934 |
| Additional noninterest expense | $739,000 | 5,585 |
| Pre-tax net operating income | $865,000 | 5,027 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $360,000 | 3,158 |
| Income before extraordinary items | $505,000 | 5,668 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $505,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,912 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $505,000 | 5,652 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,135,000 | 5,483 |
| Total interest expense | $1,273,000 | 6,206 |
| Net interest income | $2,862,000 | 4,792 |
| Provision for loan and lease losses | $230,000 | 2,752 |
| Total noninterest income | $191,000 | 6,395 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $84,000 | 5,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $107,000 | 5,683 |
| Total noninterest expense | $2,167,000 | 5,097 |
| Salaries and employee benefits | $1,406,000 | 4,576 |
| Premises and equipment expense | $207,000 | 5,997 |
| Additional noninterest expense | $554,000 | 5,536 |
| Pre-tax net operating income | $656,000 | 5,254 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $287,000 | 3,260 |
| Income before extraordinary items | $369,000 | 5,979 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $369,000 | 5,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,826 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $369,000 | 5,962 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,716,000 | 5,547 |
| Total interest expense | $790,000 | 6,387 |
| Net interest income | $1,926,000 | 4,784 |
| Provision for loan and lease losses | $85,000 | 3,599 |
| Total noninterest income | $131,000 | 6,386 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $61,000 | 5,796 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $70,000 | 5,737 |
| Total noninterest expense | $1,416,000 | 5,202 |
| Salaries and employee benefits | $905,000 | 4,731 |
| Premises and equipment expense | $138,000 | 6,019 |
| Additional noninterest expense | $373,000 | 5,507 |
| Pre-tax net operating income | $556,000 | 4,838 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $246,000 | 2,988 |
| Income before extraordinary items | $310,000 | 5,584 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $310,000 | 5,583 |
| 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 | $310,000 | 5,562 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,365,000 | 5,539 |
| Total interest expense | $374,000 | 6,497 |
| Net interest income | $991,000 | 4,709 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $63,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $29,000 | 5,849 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $34,000 | 5,782 |
| Total noninterest expense | $723,000 | 5,143 |
| Salaries and employee benefits | $458,000 | 4,726 |
| Premises and equipment expense | $70,000 | 6,029 |
| Additional noninterest expense | $195,000 | 5,341 |
| Pre-tax net operating income | $281,000 | 4,798 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $124,000 | 2,994 |
| Income before extraordinary items | $157,000 | 5,559 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $157,000 | 5,559 |
| 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 | $157,000 | 5,544 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,905,000 | 5,607 |
| Total interest expense | $1,307,000 | 6,408 |
| Net interest income | $3,598,000 | 4,963 |
| Provision for loan and lease losses | $-90,000 | 8,452 |
| Total noninterest income | $210,000 | 6,846 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $86,000 | 6,341 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $124,000 | 5,958 |
| Total noninterest expense | $2,568,000 | 5,398 |
| Salaries and employee benefits | $1,536,000 | 5,112 |
| Premises and equipment expense | $291,000 | 5,817 |
| Additional noninterest expense | $741,000 | 5,479 |
| Pre-tax net operating income | $1,330,000 | 4,554 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $543,000 | 3,034 |
| Income before extraordinary items | $787,000 | 5,253 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $787,000 | 5,256 |
| 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 | $3,484,000 | 350 |
| Net operating income | $787,000 | 5,251 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,620,000 | 5,658 |
| Total interest expense | $938,000 | 6,465 |
| Net interest income | $2,682,000 | 5,031 |
| Provision for loan and lease losses | $-25,000 | 8,492 |
| Total noninterest income | $171,000 | 6,751 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $62,000 | 6,468 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $109,000 | 5,686 |
| Total noninterest expense | $1,855,000 | 5,498 |
| Salaries and employee benefits | $1,091,000 | 5,270 |
| Premises and equipment expense | $228,000 | 5,738 |
| Additional noninterest expense | $536,000 | 5,562 |
| Pre-tax net operating income | $1,023,000 | 4,659 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $417,000 | 3,119 |
| Income before extraordinary items | $606,000 | 5,335 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $606,000 | 5,338 |
| 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 | $440,000 | 471 |
| Net operating income | $606,000 | 5,332 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,418,000 | 5,628 |
| Total interest expense | $597,000 | 6,476 |
| Net interest income | $1,821,000 | 4,991 |
| Provision for loan and lease losses | $-25,000 | 8,543 |
| Total noninterest income | $130,000 | 6,506 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $40,000 | 6,539 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $90,000 | 5,350 |
| Total noninterest expense | $1,237,000 | 5,511 |
| Salaries and employee benefits | $726,000 | 5,297 |
| Premises and equipment expense | $154,000 | 5,708 |
| Additional noninterest expense | $357,000 | 5,554 |
| Pre-tax net operating income | $739,000 | 4,500 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $298,000 | 3,055 |
| Income before extraordinary items | $441,000 | 5,173 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $441,000 | 5,177 |
| 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 | $441,000 | 5,168 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,158,000 | 5,695 |
| Total interest expense | $281,000 | 6,532 |
| Net interest income | $877,000 | 5,112 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $79,000 | 6,100 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,759 |
| Total noninterest expense | $612,000 | 5,554 |
| Salaries and employee benefits | $366,000 | 5,302 |
| Premises and equipment expense | $80,000 | 5,635 |
| Additional noninterest expense | $166,000 | 5,751 |
| Pre-tax net operating income | $329,000 | 4,738 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $130,000 | 3,234 |
| Income before extraordinary items | $199,000 | 5,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $199,000 | 5,363 |
| 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 | $199,000 | 5,370 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,646,000 | 6,079 |
| Total interest expense | $715,000 | 7,001 |
| Net interest income | $2,931,000 | 5,584 |
| Provision for loan and lease losses | $110,000 | 4,684 |
| Total noninterest income | $143,000 | 7,566 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $39,000 | 7,245 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $104,000 | 6,346 |
| Total noninterest expense | $2,269,000 | 5,685 |
| Salaries and employee benefits | $1,364,000 | 5,374 |
| Premises and equipment expense | $267,000 | 6,038 |
| Additional noninterest expense | $638,000 | 5,853 |
| Pre-tax net operating income | $695,000 | 6,159 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $243,000 | 4,400 |
| Income before extraordinary items | $452,000 | 6,566 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $452,000 | 6,567 |
| 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 | $50,000 | 802 |
| Net operating income | $452,000 | 6,545 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,588,000 | 6,212 |
| Total interest expense | $466,000 | 7,217 |
| Net interest income | $2,122,000 | 5,702 |
| Provision for loan and lease losses | $101,000 | 4,139 |
| Total noninterest income | $120,000 | 7,439 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $26,000 | 7,351 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $94,000 | 6,039 |
| Total noninterest expense | $1,662,000 | 5,725 |
| Salaries and employee benefits | $1,018,000 | 5,358 |
| Premises and equipment expense | $199,000 | 6,045 |
| Additional noninterest expense | $445,000 | 6,059 |
| Pre-tax net operating income | $479,000 | 6,471 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $168,000 | 4,679 |
| Income before extraordinary items | $311,000 | 6,861 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $311,000 | 6,860 |
| 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 | $311,000 | 6,814 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,642,000 | 6,312 |
| Total interest expense | $281,000 | 7,312 |
| Net interest income | $1,361,000 | 5,814 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $83,000 | 7,352 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $16,000 | 7,398 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $67,000 | 5,953 |
| Total noninterest expense | $1,065,000 | 5,852 |
| Salaries and employee benefits | $644,000 | 5,516 |
| Premises and equipment expense | $129,000 | 6,119 |
| Additional noninterest expense | $292,000 | 6,080 |
| Pre-tax net operating income | $319,000 | 6,468 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $112,000 | 4,664 |
| Income before extraordinary items | $207,000 | 6,884 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $207,000 | 6,885 |
| 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 | $207,000 | 6,837 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $783,000 | 6,443 |
| Total interest expense | $131,000 | 7,400 |
| Net interest income | $652,000 | 5,959 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $23,000 | 8,065 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,363 |
| Total noninterest expense | $540,000 | 5,838 |
| Salaries and employee benefits | $334,000 | 5,442 |
| Premises and equipment expense | $64,000 | 6,186 |
| Additional noninterest expense | $142,000 | 6,189 |
| Pre-tax net operating income | $110,000 | 7,082 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $39,000 | 5,067 |
| Income before extraordinary items | $71,000 | 7,413 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $71,000 | 7,412 |
| 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 | $71,000 | 7,377 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 7,406 |
| Total interest expense | $271,000 | 8,212 |
| Net interest income | $1,705,000 | 7,040 |
| Provision for loan and lease losses | $230,000 | 3,450 |
| Total noninterest income | $78,000 | 8,323 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $20,000 | 7,660 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $58,000 | 7,229 |
| Total noninterest expense | $1,823,000 | 6,325 |
| Salaries and employee benefits | $1,002,000 | 6,267 |
| Premises and equipment expense | $243,000 | 6,265 |
| Additional noninterest expense | $578,000 | 6,109 |
| Pre-tax net operating income | $-270,000 | 8,566 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-84,000 | 8,714 |
| Income before extraordinary items | $-186,000 | 8,575 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-186,000 | 8,576 |
| 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 | $-186,000 | 8,543 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,283,000 | 7,716 |
| Total interest expense | $170,000 | 8,414 |
| Net interest income | $1,113,000 | 7,350 |
| Provision for loan and lease losses | $195,000 | 3,028 |
| Total noninterest income | $67,000 | 8,256 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $13,000 | 7,737 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 6,952 |
| Total noninterest expense | $1,350,000 | 6,319 |
| Salaries and employee benefits | $746,000 | 6,260 |
| Premises and equipment expense | $177,000 | 6,323 |
| Additional noninterest expense | $427,000 | 6,115 |
| Pre-tax net operating income | $-365,000 | 8,724 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-121,000 | 8,870 |
| Income before extraordinary items | $-244,000 | 8,708 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-244,000 | 8,710 |
| 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 | $-244,000 | 8,681 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $732,000 | 8,012 |
| Total interest expense | $96,000 | 8,603 |
| Net interest income | $636,000 | 7,700 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $17,000 | 8,802 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $9,000 | 7,775 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,431 |
| Total noninterest expense | $874,000 | 6,461 |
| Salaries and employee benefits | $477,000 | 6,449 |
| Premises and equipment expense | $117,000 | 6,389 |
| Additional noninterest expense | $280,000 | 6,184 |
| Pre-tax net operating income | $-346,000 | 8,832 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-116,000 | 8,950 |
| Income before extraordinary items | $-230,000 | 8,818 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-230,000 | 8,819 |
| 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 | $-230,000 | 8,789 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $270,000 | 8,473 |
| Total interest expense | $39,000 | 8,754 |
| Net interest income | $231,000 | 8,266 |
| Provision for loan and lease losses | $65,000 | 2,836 |
| Total noninterest income | $5,000 | 8,935 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $431,000 | 6,543 |
| Salaries and employee benefits | $232,000 | 6,571 |
| Premises and equipment expense | $53,000 | 6,646 |
| Additional noninterest expense | $146,000 | 6,092 |
| Pre-tax net operating income | $-260,000 | 8,944 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-88,000 | 9,028 |
| Income before extraordinary items | $-172,000 | 8,924 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-172,000 | 8,924 |
| 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 | $-172,000 | 8,894 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $131,000 | 9,101 |
| Total interest expense | $12,000 | 9,095 |
| Net interest income | $119,000 | 9,088 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $5,000 | 9,085 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $4,000 | 7,996 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,000 | 9,013 |
| Total noninterest expense | $746,000 | 8,364 |
| Salaries and employee benefits | $379,000 | 8,496 |
| Premises and equipment expense | $105,000 | 8,006 |
| Additional noninterest expense | $262,000 | 8,024 |
| Pre-tax net operating income | $-742,000 | 8,908 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-251,000 | 9,039 |
| Income before extraordinary items | $-491,000 | 8,901 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-491,000 | 8,901 |
| 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 | $9,900,000 | 91 |
| Net operating income | $-491,000 | 8,837 |
* 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.