Home > Bank of the Carolinas > Income and Expense

Bank of the Carolinas, Income and Expense

2015-06-30 (YTD Data)		Rank
Total interest income	$6,562,000	1,885
Total interest expense	$636,000	2,053
Net interest income	$5,926,000	1,865
Provision for loan and lease losses	$-831,000	6,251
Total noninterest income	$615,000	2,788
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$254,000	2,083
Trading account gains and fees	$0	157
Additional Noninterest Income	$361,000	2,808
Total noninterest expense	$6,098,000	1,600
Salaries and employee benefits	$3,237,000	1,642
Premises and equipment expense	$632,000	1,823
Additional noninterest expense	$2,229,000	1,407
Pre-tax net operating income	$1,274,000	2,625
Securities gains (losses)	$218,000	497
Applicable income taxes	$0	4,497
Income before extraordinary items	$1,492,000	2,059
Extraordinary gains, net	$0	22
Net income	$1,492,000	2,061
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,492,000	2,061
Net charge-offs	$-187,000	6,062
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,274,000	2,278
2015-03-31 (YTD Data)		Rank
Total interest income	$3,312,000	1,882
Total interest expense	$347,000	1,926
Net interest income	$2,965,000	1,858
Provision for loan and lease losses	$-402,000	6,308
Total noninterest income	$363,000	2,534
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$127,000	2,060
Trading account gains and fees	$0	152
Additional Noninterest Income	$236,000	2,428
Total noninterest expense	$3,005,000	1,624
Salaries and employee benefits	$1,625,000	1,647
Premises and equipment expense	$330,000	1,777
Additional noninterest expense	$1,050,000	1,465
Pre-tax net operating income	$725,000	2,368
Securities gains (losses)	$218,000	335
Applicable income taxes	$0	4,400
Income before extraordinary items	$943,000	1,692
Extraordinary gains, net	$0	13
Net income	$943,000	1,694
Minority interest net income	$0	64
Net income of bank and minority interests.	$943,000	1,694
Net charge-offs	$-91,000	6,105
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$725,000	2,020
2014-12-31 (YTD Data)		Rank
Total interest income	$14,676,000	1,707
Total interest expense	$3,050,000	984
Net interest income	$11,626,000	1,876
Provision for loan and lease losses	$-967,000	6,348
Total noninterest income	$1,522,000	2,483
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$606,000	1,944
Trading account gains and fees	$0	180
Additional Noninterest Income	$916,000	2,439
Total noninterest expense	$17,785,000	1,132
Salaries and employee benefits	$6,071,000	1,702
Premises and equipment expense	$1,858,000	1,288
Additional noninterest expense	$9,856,000	680
Pre-tax net operating income	$-3,670,000	6,476
Securities gains (losses)	$-1,275,000	6,479
Applicable income taxes	$0	4,531
Income before extraordinary items	$-4,945,000	6,480
Extraordinary gains, net	$0	17
Net income	$-4,945,000	6,479
Minority interest net income	$0	84
Net income of bank and minority interests.	$-4,945,000	6,479
Net charge-offs	$-78,000	6,095
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-3,670,000	6,469
2014-09-30 (YTD Data)		Rank
Total interest income	$11,158,000	1,689
Total interest expense	$2,634,000	859
Net interest income	$8,524,000	1,924
Provision for loan and lease losses	$-760,000	6,430
Total noninterest income	$1,146,000	2,508
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$458,000	1,941
Trading account gains and fees	$0	174
Additional Noninterest Income	$688,000	2,464
Total noninterest expense	$14,702,000	1,042
Salaries and employee benefits	$4,571,000	1,697
Premises and equipment expense	$1,399,000	1,285
Additional noninterest expense	$8,732,000	576
Pre-tax net operating income	$-4,272,000	6,571
Securities gains (losses)	$-1,275,000	6,556
Applicable income taxes	$0	4,583
Income before extraordinary items	$-5,547,000	6,573
Extraordinary gains, net	$0	15
Net income	$-5,547,000	6,572
Minority interest net income	$0	81
Net income of bank and minority interests.	$-5,547,000	6,572
Net charge-offs	$72,000	2,981
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$-4,272,000	6,563
2014-06-30 (YTD Data)		Rank
Total interest income	$7,546,000	1,650
Total interest expense	$2,030,000	730
Net interest income	$5,516,000	1,954
Provision for loan and lease losses	$-225,000	6,426
Total noninterest income	$764,000	2,472
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$305,000	1,924
Trading account gains and fees	$0	172
Additional Noninterest Income	$459,000	2,426
Total noninterest expense	$6,989,000	1,394
Salaries and employee benefits	$3,137,000	1,643
Premises and equipment expense	$928,000	1,297
Additional noninterest expense	$2,924,000	1,110
Pre-tax net operating income	$-484,000	6,504
Securities gains (losses)	$0	2,580
Applicable income taxes	$0	4,568
Income before extraordinary items	$-484,000	6,516
Extraordinary gains, net	$0	20
Net income	$-484,000	6,517
Minority interest net income	$0	80
Net income of bank and minority interests.	$-484,000	6,517
Net charge-offs	$637,000	714
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$-484,000	6,515
2014-03-31 (YTD Data)		Rank
Total interest income	$3,754,000	1,655
Total interest expense	$1,013,000	744
Net interest income	$2,741,000	1,958
Provision for loan and lease losses	$1,062,000	241
Total noninterest income	$384,000	2,434
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$156,000	1,875
Trading account gains and fees	$0	147
Additional Noninterest Income	$228,000	2,375
Total noninterest expense	$3,510,000	1,392
Salaries and employee benefits	$1,590,000	1,637
Premises and equipment expense	$472,000	1,304
Additional noninterest expense	$1,448,000	1,107
Pre-tax net operating income	$-1,447,000	6,707
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$-1,447,000	6,703
Extraordinary gains, net	$0	16
Net income	$-1,447,000	6,703
Minority interest net income	$0	66
Net income of bank and minority interests.	$-1,447,000	6,703
Net charge-offs	$-34,000	6,203
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$-1,447,000	6,703
2013-12-31 (YTD Data)		Rank
Total interest income	$15,208,000	1,643
Total interest expense	$4,274,000	787
Net interest income	$10,934,000	1,941
Provision for loan and lease losses	$-2,039,000	6,730
Total noninterest income	$1,516,000	2,576
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$610,000	2,033
Trading account gains and fees	$0	184
Additional Noninterest Income	$906,000	2,499
Total noninterest expense	$14,587,000	1,357
Salaries and employee benefits	$6,437,000	1,606
Premises and equipment expense	$1,787,000	1,331
Additional noninterest expense	$6,363,000	1,061
Pre-tax net operating income	$-98,000	6,295
Securities gains (losses)	$0	3,182
Applicable income taxes	$942,000	1,524
Income before extraordinary items	$-1,040,000	6,587
Extraordinary gains, net	$0	29
Net income	$-1,040,000	6,587
Minority interest net income	$0	90
Net income of bank and minority interests.	$-1,040,000	6,587
Net charge-offs	$-1,164,000	6,784
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$-1,040,000	6,579
2013-09-30 (YTD Data)		Rank
Total interest income	$11,365,000	1,658
Total interest expense	$3,236,000	808
Net interest income	$8,129,000	1,954
Provision for loan and lease losses	$-2,078,000	6,829
Total noninterest income	$1,118,000	2,648
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$452,000	2,059
Trading account gains and fees	$0	180
Additional Noninterest Income	$666,000	2,581
Total noninterest expense	$10,984,000	1,357
Salaries and employee benefits	$4,804,000	1,624
Premises and equipment expense	$1,337,000	1,342
Additional noninterest expense	$4,843,000	1,047
Pre-tax net operating income	$341,000	5,197
Securities gains (losses)	$0	3,040
Applicable income taxes	$0	4,713
Income before extraordinary items	$341,000	5,125
Extraordinary gains, net	$0	25
Net income	$341,000	5,126
Minority interest net income	$0	84
Net income of bank and minority interests.	$341,000	5,127
Net charge-offs	$-1,403,000	6,872
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$341,000	5,038
2013-06-30 (YTD Data)		Rank
Total interest income	$7,565,000	1,662
Total interest expense	$2,179,000	819
Net interest income	$5,386,000	1,957
Provision for loan and lease losses	$-1,158,000	6,861
Total noninterest income	$742,000	2,671
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$300,000	2,037
Trading account gains and fees	$0	157
Additional Noninterest Income	$442,000	2,653
Total noninterest expense	$7,413,000	1,345
Salaries and employee benefits	$3,193,000	1,628
Premises and equipment expense	$878,000	1,365
Additional noninterest expense	$3,342,000	1,000
Pre-tax net operating income	$-127,000	6,498
Securities gains (losses)	$0	2,791
Applicable income taxes	$0	4,679
Income before extraordinary items	$-127,000	6,543
Extraordinary gains, net	$0	22
Net income	$-127,000	6,544
Minority interest net income	$0	82
Net income of bank and minority interests.	$-127,000	6,545
Net charge-offs	$-666,000	6,909
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$-127,000	6,508
2013-03-31 (YTD Data)		Rank
Total interest income	$3,819,000	1,654
Total interest expense	$1,108,000	837
Net interest income	$2,711,000	1,964
Provision for loan and lease losses	$-1,146,000	6,987
Total noninterest income	$369,000	2,674
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$148,000	2,057
Trading account gains and fees	$0	148
Additional Noninterest Income	$221,000	2,632
Total noninterest expense	$3,710,000	1,352
Salaries and employee benefits	$1,598,000	1,646
Premises and equipment expense	$452,000	1,349
Additional noninterest expense	$1,660,000	1,015
Pre-tax net operating income	$516,000	2,811
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$516,000	2,526
Extraordinary gains, net	$0	10
Net income	$516,000	2,528
Minority interest net income	$0	76
Net income of bank and minority interests.	$516,000	2,528
Net charge-offs	$-754,000	6,996
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$516,000	2,441
2012-12-31 (YTD Data)		Rank
Total interest income	$17,049,000	1,558
Total interest expense	$5,203,000	867
Net interest income	$11,846,000	1,846
Provision for loan and lease losses	$2,359,000	937
Total noninterest income	$1,863,000	2,299
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$620,000	2,098
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,243,000	2,091
Total noninterest expense	$17,771,000	1,132
Salaries and employee benefits	$6,877,000	1,483
Premises and equipment expense	$1,903,000	1,245
Additional noninterest expense	$8,991,000	777
Pre-tax net operating income	$-6,421,000	6,983
Securities gains (losses)	$2,190,000	235
Applicable income taxes	$0	4,751
Income before extraordinary items	$-4,231,000	6,943
Extraordinary gains, net	$0	29
Net income	$-4,231,000	6,942
Minority interest net income	$0	93
Net income of bank and minority interests.	$-4,231,000	6,942
Net charge-offs	$3,570,000	754
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-6,421,000	6,979
2012-09-30 (YTD Data)		Rank
Total interest income	$13,007,000	1,561
Total interest expense	$4,012,000	880
Net interest income	$8,995,000	1,845
Provision for loan and lease losses	$2,996,000	628
Total noninterest income	$1,473,000	2,202
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$449,000	2,185
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,024,000	1,967
Total noninterest expense	$14,320,000	1,042
Salaries and employee benefits	$5,266,000	1,452
Premises and equipment expense	$1,451,000	1,233
Additional noninterest expense	$7,603,000	693
Pre-tax net operating income	$-6,848,000	7,117
Securities gains (losses)	$2,147,000	188
Applicable income taxes	$409,000	2,140
Income before extraordinary items	$-5,110,000	7,104
Extraordinary gains, net	$0	20
Net income	$-5,110,000	7,104
Minority interest net income	$0	86
Net income of bank and minority interests.	$-5,110,000	7,104
Net charge-offs	$3,647,000	580
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-7,257,000	7,122
2012-06-30 (YTD Data)		Rank
Total interest income	$8,700,000	1,567
Total interest expense	$2,734,000	894
Net interest income	$5,966,000	1,855
Provision for loan and lease losses	$1,525,000	786
Total noninterest income	$1,229,000	1,881
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$288,000	2,230
Trading account gains and fees	$0	153
Additional Noninterest Income	$941,000	1,575
Total noninterest expense	$9,258,000	1,078
Salaries and employee benefits	$3,543,000	1,441
Premises and equipment expense	$983,000	1,216
Additional noninterest expense	$4,732,000	733
Pre-tax net operating income	$-3,588,000	7,154
Securities gains (losses)	$2,147,000	128
Applicable income taxes	$792,000	1,071
Income before extraordinary items	$-2,233,000	7,124
Extraordinary gains, net	$0	19
Net income	$-2,233,000	7,124
Minority interest net income	$0	84
Net income of bank and minority interests.	$-2,233,000	7,124
Net charge-offs	$2,085,000	666
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-4,380,000	7,176
2012-03-31 (YTD Data)		Rank
Total interest income	$4,540,000	1,520
Total interest expense	$1,391,000	912
Net interest income	$3,149,000	1,779
Provision for loan and lease losses	$1,292,000	509
Total noninterest income	$295,000	2,972
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$146,000	2,187
Trading account gains and fees	$0	148
Additional Noninterest Income	$149,000	3,084
Total noninterest expense	$4,921,000	1,008
Salaries and employee benefits	$1,758,000	1,459
Premises and equipment expense	$504,000	1,188
Additional noninterest expense	$2,659,000	648
Pre-tax net operating income	$-2,769,000	7,262
Securities gains (losses)	$748,000	189
Applicable income taxes	$367,000	1,141
Income before extraordinary items	$-2,388,000	7,257
Extraordinary gains, net	$0	19
Net income	$-2,388,000	7,257
Minority interest net income	$0	78
Net income of bank and minority interests.	$-2,388,000	7,257
Net charge-offs	$1,345,000	553
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-3,136,000	7,268
2011-12-31 (YTD Data)		Rank
Total interest income	$20,632,000	1,383
Total interest expense	$6,766,000	894
Net interest income	$13,866,000	1,600
Provision for loan and lease losses	$17,565,000	261
Total noninterest income	$882,000	3,341
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$698,000	1,994
Trading account gains and fees	$0	146
Additional Noninterest Income	$184,000	4,576
Total noninterest expense	$20,127,000	976
Salaries and employee benefits	$6,684,000	1,478
Premises and equipment expense	$2,074,000	1,204
Additional noninterest expense	$11,369,000	638
Pre-tax net operating income	$-22,944,000	7,305
Securities gains (losses)	$-391,000	7,216
Applicable income taxes	$4,162,000	459
Income before extraordinary items	$-27,497,000	7,318
Extraordinary gains, net	$0	29
Net income	$-27,497,000	7,318
Minority interest net income	$0	96
Net income of bank and minority interests.	$-27,497,000	7,318
Net charge-offs	$16,327,000	298
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-27,106,000	7,314
2011-09-30 (YTD Data)		Rank
Total interest income	$15,879,000	1,368
Total interest expense	$5,277,000	891
Net interest income	$10,602,000	1,588
Provision for loan and lease losses	$14,567,000	237
Total noninterest income	$1,094,000	2,489
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$533,000	1,969
Trading account gains and fees	$0	145
Additional Noninterest Income	$561,000	2,521
Total noninterest expense	$15,546,000	954
Salaries and employee benefits	$4,947,000	1,499
Premises and equipment expense	$1,571,000	1,209
Additional noninterest expense	$9,028,000	596
Pre-tax net operating income	$-18,417,000	7,389
Securities gains (losses)	$6,000	3,178
Applicable income taxes	$1,091,000	1,019
Income before extraordinary items	$-19,502,000	7,396
Extraordinary gains, net	$0	21
Net income	$-19,502,000	7,396
Minority interest net income	$0	87
Net income of bank and minority interests.	$-19,502,000	7,396
Net charge-offs	$12,739,000	292
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-19,508,000	7,390
2011-06-30 (YTD Data)		Rank
Total interest income	$10,764,000	1,349
Total interest expense	$3,700,000	881
Net interest income	$7,064,000	1,595
Provision for loan and lease losses	$8,917,000	263
Total noninterest income	$645,000	2,682
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$355,000	1,946
Trading account gains and fees	$0	153
Additional Noninterest Income	$290,000	2,924
Total noninterest expense	$10,459,000	961
Salaries and employee benefits	$3,190,000	1,565
Premises and equipment expense	$1,069,000	1,200
Additional noninterest expense	$6,200,000	594
Pre-tax net operating income	$-11,667,000	7,455
Securities gains (losses)	$6,000	2,492
Applicable income taxes	$1,059,000	725
Income before extraordinary items	$-12,720,000	7,454
Extraordinary gains, net	$0	15
Net income	$-12,720,000	7,454
Minority interest net income	$0	89
Net income of bank and minority interests.	$-12,720,000	7,454
Net charge-offs	$9,095,000	281
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-12,726,000	7,454
2011-03-31 (YTD Data)		Rank
Total interest income	$5,415,000	1,358
Total interest expense	$1,700,000	1,007
Net interest income	$3,715,000	1,502
Provision for loan and lease losses	$2,345,000	448
Total noninterest income	$388,000	2,402
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$172,000	1,978
Trading account gains and fees	$0	158
Additional Noninterest Income	$216,000	2,368
Total noninterest expense	$3,888,000	1,288
Salaries and employee benefits	$1,586,000	1,582
Premises and equipment expense	$542,000	1,208
Additional noninterest expense	$1,760,000	1,007
Pre-tax net operating income	$-2,130,000	7,401
Securities gains (losses)	$0	1,772
Applicable income taxes	$1,027,000	444
Income before extraordinary items	$-3,157,000	7,462
Extraordinary gains, net	$0	9
Net income	$-3,157,000	7,462
Minority interest net income	$0	86
Net income of bank and minority interests.	$-3,157,000	7,462
Net charge-offs	$894,000	927
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-3,157,000	7,462
2010-12-31 (YTD Data)		Rank
Total interest income	$24,095,000	1,279
Total interest expense	$7,393,000	1,117
Net interest income	$16,702,000	1,338
Provision for loan and lease losses	$6,441,000	931
Total noninterest income	$1,496,000	2,520
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$711,000	2,014
Trading account gains and fees	$0	175
Additional Noninterest Income	$785,000	2,525
Total noninterest expense	$16,040,000	1,253
Salaries and employee benefits	$6,959,000	1,420
Premises and equipment expense	$2,238,000	1,164
Additional noninterest expense	$6,843,000	1,087
Pre-tax net operating income	$-4,283,000	7,057
Securities gains (losses)	$344,000	1,146
Applicable income taxes	$-1,537,000	7,405
Income before extraordinary items	$-2,402,000	6,914
Extraordinary gains, net	$0	29
Net income	$-2,402,000	6,914
Minority interest net income	$0	111
Net income of bank and minority interests.	$-2,402,000	6,915
Net charge-offs	$7,745,000	737
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-2,622,160	6,928
2010-09-30 (YTD Data)		Rank
Total interest income	$18,461,000	1,272
Total interest expense	$5,637,000	1,139
Net interest income	$12,824,000	1,326
Provision for loan and lease losses	$2,860,000	1,309
Total noninterest income	$1,088,000	2,577
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$537,000	2,063
Trading account gains and fees	$0	165
Additional Noninterest Income	$551,000	2,598
Total noninterest expense	$11,875,000	1,255
Salaries and employee benefits	$5,400,000	1,364
Premises and equipment expense	$1,665,000	1,183
Additional noninterest expense	$4,810,000	1,129
Pre-tax net operating income	$-823,000	6,712
Securities gains (losses)	$368,000	935
Applicable income taxes	$-306,000	7,282
Income before extraordinary items	$-149,000	6,378
Extraordinary gains, net	$0	23
Net income	$-149,000	6,379
Minority interest net income	$0	110
Net income of bank and minority interests.	$-149,000	6,378
Net charge-offs	$4,685,000	824
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-384,520	6,517
2010-06-30 (YTD Data)		Rank
Total interest income	$12,525,000	1,262
Total interest expense	$3,884,000	1,152
Net interest income	$8,641,000	1,313
Provision for loan and lease losses	$2,002,000	1,277
Total noninterest income	$729,000	2,520
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$373,000	2,001
Trading account gains and fees	$0	152
Additional Noninterest Income	$356,000	2,580
Total noninterest expense	$8,159,000	1,222
Salaries and employee benefits	$3,714,000	1,330
Premises and equipment expense	$1,128,000	1,178
Additional noninterest expense	$3,317,000	1,070
Pre-tax net operating income	$-791,000	6,906
Securities gains (losses)	$190,000	979
Applicable income taxes	$-308,000	7,403
Income before extraordinary items	$-293,000	6,685
Extraordinary gains, net	$0	19
Net income	$-293,000	6,687
Minority interest net income	$0	105
Net income of bank and minority interests.	$-293,000	6,686
Net charge-offs	$2,989,000	831
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-414,600	6,754
2010-03-31 (YTD Data)		Rank
Total interest income	$6,334,000	1,272
Total interest expense	$2,058,000	1,144
Net interest income	$4,276,000	1,339
Provision for loan and lease losses	$916,000	1,232
Total noninterest income	$251,000	3,207
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$190,000	1,950
Trading account gains and fees	$0	175
Additional Noninterest Income	$61,000	4,353
Total noninterest expense	$4,048,000	1,241
Salaries and employee benefits	$1,915,000	1,307
Premises and equipment expense	$595,000	1,145
Additional noninterest expense	$1,538,000	1,145
Pre-tax net operating income	$-437,000	7,131
Securities gains (losses)	$96,000	807
Applicable income taxes	$-170,000	7,535
Income before extraordinary items	$-171,000	6,887
Extraordinary gains, net	$0	16
Net income	$-171,000	6,888
Minority interest net income	$0	91
Net income of bank and minority interests.	$-171,000	6,887
Net charge-offs	$2,033,000	634
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-232,440	6,944
2009-12-31 (YTD Data)		Rank
Total interest income	$29,621,000	1,155
Total interest expense	$14,723,000	794
Net interest income	$14,898,000	1,510
Provision for loan and lease losses	$5,547,000	1,319
Total noninterest income	$1,767,000	2,312
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$799,000	2,047
Trading account gains and fees	$0	211
Additional Noninterest Income	$968,000	2,186
Total noninterest expense	$17,412,000	1,193
Salaries and employee benefits	$7,040,000	1,433
Premises and equipment expense	$2,221,000	1,225
Additional noninterest expense	$8,151,000	962
Pre-tax net operating income	$-6,294,000	7,297
Securities gains (losses)	$1,530,000	341
Applicable income taxes	$-1,861,000	7,498
Income before extraordinary items	$-2,903,000	6,976
Extraordinary gains, net	$0	34
Net income	$-2,903,000	6,975
Minority interest net income	$0	115
Net income of bank and minority interests.	$-2,903,000	6,975
Net charge-offs	$3,687,000	1,416
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-3,882,200	7,135
2009-09-30 (YTD Data)		Rank
Total interest income	$22,499,000	1,163
Total interest expense	$12,033,000	761
Net interest income	$10,466,000	1,610
Provision for loan and lease losses	$2,467,000	1,678
Total noninterest income	$888,000	3,059
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$591,000	2,070
Trading account gains and fees	$0	212
Additional Noninterest Income	$297,000	3,636
Total noninterest expense	$12,246,000	1,258
Salaries and employee benefits	$4,959,000	1,531
Premises and equipment expense	$1,647,000	1,250
Additional noninterest expense	$5,640,000	999
Pre-tax net operating income	$-3,359,000	7,347
Securities gains (losses)	$1,341,000	293
Applicable income taxes	$-874,000	7,511
Income before extraordinary items	$-1,144,000	6,820
Extraordinary gains, net	$0	27
Net income	$-1,144,000	6,820
Minority interest net income	$0	118
Net income of bank and minority interests.	$-1,144,000	6,821
Net charge-offs	$2,577,000	1,297
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-2,002,240	7,166
2009-06-30 (YTD Data)		Rank
Total interest income	$14,970,000	1,188
Total interest expense	$8,652,000	745
Net interest income	$6,318,000	1,770
Provision for loan and lease losses	$1,420,000	1,688
Total noninterest income	$472,000	3,536
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$371,000	2,144
Trading account gains and fees	$0	193
Additional Noninterest Income	$101,000	4,769
Total noninterest expense	$8,477,000	1,230
Salaries and employee benefits	$3,348,000	1,540
Premises and equipment expense	$1,094,000	1,282
Additional noninterest expense	$4,035,000	950
Pre-tax net operating income	$-3,107,000	7,578
Securities gains (losses)	$95,000	1,532
Applicable income taxes	$-1,033,000	7,758
Income before extraordinary items	$-1,979,000	7,478
Extraordinary gains, net	$0	21
Net income	$-1,979,000	7,478
Minority interest net income	$0	112
Net income of bank and minority interests.	$-1,979,000	7,477
Net charge-offs	$1,013,000	1,618
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-2,041,700	7,487
2009-03-31 (YTD Data)		Rank
Total interest income	$7,536,000	1,198
Total interest expense	$4,265,000	785
Net interest income	$3,271,000	1,692
Provision for loan and lease losses	$700,000	1,458
Total noninterest income	$306,000	2,986
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$184,000	2,105
Trading account gains and fees	$0	171
Additional Noninterest Income	$122,000	3,328
Total noninterest expense	$3,729,000	1,343
Salaries and employee benefits	$1,671,000	1,561
Premises and equipment expense	$562,000	1,269
Additional noninterest expense	$1,496,000	1,122
Pre-tax net operating income	$-852,000	7,577
Securities gains (losses)	$0	2,434
Applicable income taxes	$-274,000	7,775
Income before extraordinary items	$-578,000	7,508
Extraordinary gains, net	$0	15
Net income	$-578,000	7,509
Minority interest net income	$0	102
Net income of bank and minority interests.	$-578,000	7,509
Net charge-offs	$38,000	3,795
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-578,000	7,486
2008-12-31 (YTD Data)		Rank
Total interest income	$30,573,000	1,254
Total interest expense	$17,610,000	903
Net interest income	$12,963,000	1,719
Provision for loan and lease losses	$6,291,000	854
Total noninterest income	$833,000	3,789
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$861,000	1,992
Trading account gains and fees	$0	154
Additional Noninterest Income	$-28,000	8,065
Total noninterest expense	$14,032,000	1,390
Salaries and employee benefits	$7,054,000	1,464
Premises and equipment expense	$2,021,000	1,361
Additional noninterest expense	$4,957,000	1,276
Pre-tax net operating income	$-6,527,000	7,885
Securities gains (losses)	$616,000	314
Applicable income taxes	$-2,533,000	7,981
Income before extraordinary items	$-3,378,000	7,669
Extraordinary gains, net	$0	39
Net income	$-3,378,000	7,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,229,000	784
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$-127,000	8,241
Net operating income	$-3,772,240	7,780
2008-09-30 (YTD Data)		Rank
Total interest income	$22,781,000	1,298
Total interest expense	$13,207,000	942
Net interest income	$9,574,000	1,760
Provision for loan and lease losses	$4,245,000	722
Total noninterest income	$1,288,000	2,457
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$667,000	1,945
Trading account gains and fees	$0	148
Additional Noninterest Income	$621,000	2,481
Total noninterest expense	$10,643,000	1,353
Salaries and employee benefits	$5,329,000	1,476
Premises and equipment expense	$1,482,000	1,400
Additional noninterest expense	$3,832,000	1,195
Pre-tax net operating income	$-4,026,000	8,084
Securities gains (losses)	$0	3,106
Applicable income taxes	$-1,166,000	8,085
Income before extraordinary items	$-2,860,000	7,996
Extraordinary gains, net	$0	31
Net income	$-2,860,000	7,995
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,272,000	502
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$27,000	1,047
Net operating income	$-2,860,000	8,057
2008-06-30 (YTD Data)		Rank
Total interest income	$15,249,000	1,309
Total interest expense	$8,780,000	977
Net interest income	$6,469,000	1,732
Provision for loan and lease losses	$1,095,000	1,164
Total noninterest income	$993,000	2,239
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$447,000	1,916
Trading account gains and fees	$0	149
Additional Noninterest Income	$546,000	2,111
Total noninterest expense	$6,686,000	1,441
Salaries and employee benefits	$3,610,000	1,456
Premises and equipment expense	$980,000	1,414
Additional noninterest expense	$2,096,000	1,402
Pre-tax net operating income	$-319,000	7,451
Securities gains (losses)	$0	3,233
Applicable income taxes	$-109,000	7,871
Income before extraordinary items	$-210,000	7,417
Extraordinary gains, net	$0	21
Net income	$-210,000	7,416
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$802,000	982
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$11,000	1,007
Net operating income	$-210,000	7,400
2008-03-31 (YTD Data)		Rank
Total interest income	$7,897,000	1,294
Total interest expense	$4,654,000	995
Net interest income	$3,243,000	1,715
Provision for loan and lease losses	$314,000	1,331
Total noninterest income	$477,000	2,306
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$206,000	2,030
Trading account gains and fees	$0	158
Additional Noninterest Income	$271,000	2,093
Total noninterest expense	$3,406,000	1,405
Salaries and employee benefits	$1,853,000	1,421
Premises and equipment expense	$499,000	1,395
Additional noninterest expense	$1,054,000	1,364
Pre-tax net operating income	$0	7,159
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$0	7,271
Extraordinary gains, net	$0	15
Net income	$0	7,272
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$204,000	1,256
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$5,000	895
Net operating income	$0	7,179
2007-12-31 (YTD Data)		Rank
Total interest income	$33,105,000	1,278
Total interest expense	$18,500,000	1,053
Net interest income	$14,605,000	1,556
Provision for loan and lease losses	$1,470,000	1,071
Total noninterest income	$2,002,000	2,214
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$824,000	2,083
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,178,000	1,991
Total noninterest expense	$12,423,000	1,491
Salaries and employee benefits	$5,977,000	1,679
Premises and equipment expense	$1,731,000	1,535
Additional noninterest expense	$4,715,000	1,195
Pre-tax net operating income	$2,714,000	2,641
Securities gains (losses)	$0	2,146
Applicable income taxes	$714,000	2,275
Income before extraordinary items	$2,000,000	2,831
Extraordinary gains, net	$0	39
Net income	$2,000,000	2,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$957,000	1,062
Cash dividends	$1,624,000	1,883
Sale, conversion, retirement of capital stock, net	$144,000	835
Net operating income	$2,000,000	2,807
2007-09-30 (YTD Data)		Rank
Total interest income	$24,714,000	1,287
Total interest expense	$13,777,000	1,062
Net interest income	$10,937,000	1,567
Provision for loan and lease losses	$1,020,000	887
Total noninterest income	$1,448,000	2,269
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$577,000	2,190
Trading account gains and fees	$0	184
Additional Noninterest Income	$871,000	2,010
Total noninterest expense	$8,528,000	1,601
Salaries and employee benefits	$4,352,000	1,735
Premises and equipment expense	$1,286,000	1,544
Additional noninterest expense	$2,890,000	1,394
Pre-tax net operating income	$2,837,000	2,212
Securities gains (losses)	$0	1,655
Applicable income taxes	$860,000	1,804
Income before extraordinary items	$1,977,000	2,393
Extraordinary gains, net	$0	33
Net income	$1,977,000	2,391
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$974,000	669
Cash dividends	$1,624,000	1,415
Sale, conversion, retirement of capital stock, net	$60,000	862
Net operating income	$1,977,000	2,374
2007-06-30 (YTD Data)		Rank
Total interest income	$16,274,000	1,319
Total interest expense	$9,149,000	1,073
Net interest income	$7,125,000	1,617
Provision for loan and lease losses	$474,000	1,078
Total noninterest income	$888,000	2,406
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$387,000	2,183
Trading account gains and fees	$0	168
Additional Noninterest Income	$501,000	2,238
Total noninterest expense	$5,554,000	1,666
Salaries and employee benefits	$2,854,000	1,798
Premises and equipment expense	$839,000	1,601
Additional noninterest expense	$1,861,000	1,471
Pre-tax net operating income	$1,985,000	2,172
Securities gains (losses)	$0	1,444
Applicable income taxes	$613,000	1,819
Income before extraordinary items	$1,372,000	2,370
Extraordinary gains, net	$0	29
Net income	$1,372,000	2,370
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$781,000	530
Cash dividends	$1,624,000	1,046
Sale, conversion, retirement of capital stock, net	$26,000	861
Net operating income	$1,372,000	2,353
2007-03-31 (YTD Data)		Rank
Total interest income	$8,104,000	1,313
Total interest expense	$4,535,000	1,073
Net interest income	$3,569,000	1,619
Provision for loan and lease losses	$62,000	2,721
Total noninterest income	$416,000	2,486
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$181,000	2,242
Trading account gains and fees	$0	195
Additional Noninterest Income	$235,000	2,309
Total noninterest expense	$2,774,000	1,669
Salaries and employee benefits	$1,480,000	1,751
Premises and equipment expense	$418,000	1,602
Additional noninterest expense	$876,000	1,520
Pre-tax net operating income	$1,149,000	1,934
Securities gains (losses)	$0	1,187
Applicable income taxes	$369,000	1,608
Income before extraordinary items	$780,000	2,104
Extraordinary gains, net	$0	22
Net income	$780,000	2,104
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	1,597
Cash dividends	$192,000	2,508
Sale, conversion, retirement of capital stock, net	$20,000	670
Net operating income	$780,000	2,095
2006-12-31 (YTD Data)		Rank
Total interest income	$29,276,000	1,359
Total interest expense	$14,612,000	1,145
Net interest income	$14,664,000	1,564
Provision for loan and lease losses	$1,157,000	905
Total noninterest income	$3,041,000	1,614
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$738,000	2,272
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,303,000	1,216
Total noninterest expense	$11,180,000	1,583
Salaries and employee benefits	$6,008,000	1,631
Premises and equipment expense	$1,413,000	1,792
Additional noninterest expense	$3,759,000	1,411
Pre-tax net operating income	$5,368,000	1,773
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,894,000	1,391
Income before extraordinary items	$3,474,000	2,030
Extraordinary gains, net	$0	51
Net income	$3,474,000	2,031
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$740,000	877
Cash dividends	$774,000	3,039
Sale, conversion, retirement of capital stock, net	$23,000	1,096
Net operating income	$3,474,000	2,017
2006-09-30 (YTD Data)		Rank
Total interest income	$21,313,000	1,396
Total interest expense	$10,254,000	1,199
Net interest income	$11,059,000	1,575
Provision for loan and lease losses	$975,000	770
Total noninterest income	$2,622,000	1,448
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$564,000	2,241
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,058,000	1,074
Total noninterest expense	$8,354,000	1,603
Salaries and employee benefits	$4,504,000	1,643
Premises and equipment expense	$1,029,000	1,836
Additional noninterest expense	$2,821,000	1,401
Pre-tax net operating income	$4,352,000	1,719
Securities gains (losses)	$0	1,388
Applicable income taxes	$1,559,000	1,359
Income before extraordinary items	$2,793,000	1,956
Extraordinary gains, net	$0	45
Net income	$2,793,000	1,957
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$488,000	822
Cash dividends	$582,000	2,728
Sale, conversion, retirement of capital stock, net	$12,000	946
Net operating income	$2,793,000	1,939
2006-06-30 (YTD Data)		Rank
Total interest income	$13,560,000	1,430
Total interest expense	$6,314,000	1,237
Net interest income	$7,246,000	1,600
Provision for loan and lease losses	$297,000	1,546
Total noninterest income	$702,000	2,826
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$364,000	2,271
Trading account gains and fees	$0	126
Additional Noninterest Income	$338,000	2,808
Total noninterest expense	$5,095,000	1,744
Salaries and employee benefits	$2,768,000	1,769
Premises and equipment expense	$672,000	1,874
Additional noninterest expense	$1,655,000	1,588
Pre-tax net operating income	$2,556,000	1,913
Securities gains (losses)	$0	1,185
Applicable income taxes	$911,000	1,506
Income before extraordinary items	$1,645,000	2,172
Extraordinary gains, net	$0	39
Net income	$1,645,000	2,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	1,643
Cash dividends	$381,000	2,793
Sale, conversion, retirement of capital stock, net	$4,000	839
Net operating income	$1,645,000	2,160
2006-03-31 (YTD Data)		Rank
Total interest income	$6,421,000	1,474
Total interest expense	$2,946,000	1,270
Net interest income	$3,475,000	1,657
Provision for loan and lease losses	$117,000	1,801
Total noninterest income	$357,000	2,741
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$173,000	2,307
Trading account gains and fees	$0	115
Additional Noninterest Income	$184,000	2,637
Total noninterest expense	$2,467,000	1,796
Salaries and employee benefits	$1,332,000	1,849
Premises and equipment expense	$337,000	1,875
Additional noninterest expense	$798,000	1,635
Pre-tax net operating income	$1,248,000	1,907
Securities gains (losses)	$0	955
Applicable income taxes	$444,000	1,529
Income before extraordinary items	$804,000	2,174
Extraordinary gains, net	$0	21
Net income	$804,000	2,174
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	2,212
Cash dividends	$191,000	2,484
Sale, conversion, retirement of capital stock, net	$2,000	621
Net operating income	$804,000	2,151
2005-12-31 (YTD Data)		Rank
Total interest income	$20,556,000	1,641
Total interest expense	$8,405,000	1,349
Net interest income	$12,151,000	1,802
Provision for loan and lease losses	$1,120,000	951
Total noninterest income	$1,305,000	2,950
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$697,000	2,358
Trading account gains and fees	$0	138
Additional Noninterest Income	$608,000	3,028
Total noninterest expense	$8,796,000	1,917
Salaries and employee benefits	$4,747,000	1,943
Premises and equipment expense	$1,222,000	1,965
Additional noninterest expense	$2,827,000	1,782
Pre-tax net operating income	$3,540,000	2,431
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,207,000	1,998
Income before extraordinary items	$2,333,000	2,738
Extraordinary gains, net	$0	46
Net income	$2,333,000	2,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$305,000	1,710
Cash dividends	$666,000	3,166
Sale, conversion, retirement of capital stock, net	$273,000	608
Net operating income	$2,333,000	2,695
2005-09-30 (YTD Data)		Rank
Total interest income	$14,489,000	1,701
Total interest expense	$5,728,000	1,404
Net interest income	$8,761,000	1,870
Provision for loan and lease losses	$848,000	888
Total noninterest income	$936,000	3,045
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$503,000	2,445
Trading account gains and fees	$0	126
Additional Noninterest Income	$433,000	3,139
Total noninterest expense	$6,363,000	1,958
Salaries and employee benefits	$3,441,000	1,976
Premises and equipment expense	$909,000	1,972
Additional noninterest expense	$2,013,000	1,851
Pre-tax net operating income	$2,486,000	2,578
Securities gains (losses)	$0	2,317
Applicable income taxes	$847,000	2,118
Income before extraordinary items	$1,639,000	2,921
Extraordinary gains, net	$0	35
Net income	$1,639,000	2,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$245,000	1,467
Cash dividends	$474,000	2,901
Sale, conversion, retirement of capital stock, net	$117,000	547
Net operating income	$1,639,000	2,875
2005-06-30 (YTD Data)		Rank
Total interest income	$8,981,000	1,774
Total interest expense	$3,387,000	1,487
Net interest income	$5,594,000	1,929
Provision for loan and lease losses	$526,000	938
Total noninterest income	$599,000	3,097
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$320,000	2,491
Trading account gains and fees	$0	116
Additional Noninterest Income	$279,000	3,197
Total noninterest expense	$4,146,000	1,984
Salaries and employee benefits	$2,240,000	2,020
Premises and equipment expense	$598,000	1,988
Additional noninterest expense	$1,308,000	1,882
Pre-tax net operating income	$1,521,000	2,719
Securities gains (losses)	$0	2,146
Applicable income taxes	$520,000	2,220
Income before extraordinary items	$1,001,000	3,094
Extraordinary gains, net	$0	30
Net income	$1,001,000	3,094
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$195,000	1,219
Cash dividends	$316,000	2,862
Sale, conversion, retirement of capital stock, net	$117,000	414
Net operating income	$1,001,000	3,039
2005-03-31 (YTD Data)		Rank
Total interest income	$4,165,000	1,868
Total interest expense	$1,496,000	1,594
Net interest income	$2,669,000	2,024
Provision for loan and lease losses	$243,000	950
Total noninterest income	$268,000	3,313
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$147,000	2,603
Trading account gains and fees	$0	115
Additional Noninterest Income	$121,000	3,380
Total noninterest expense	$2,013,000	2,052
Salaries and employee benefits	$1,103,000	2,071
Premises and equipment expense	$295,000	2,032
Additional noninterest expense	$615,000	1,990
Pre-tax net operating income	$681,000	2,919
Securities gains (losses)	$0	1,685
Applicable income taxes	$231,000	2,371
Income before extraordinary items	$450,000	3,309
Extraordinary gains, net	$0	24
Net income	$450,000	3,310
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$154,000	822
Cash dividends	$158,000	2,489
Sale, conversion, retirement of capital stock, net	$24,000	374
Net operating income	$450,000	3,272
2004-12-31 (YTD Data)		Rank
Total interest income	$13,205,000	2,178
Total interest expense	$4,524,000	1,798
Net interest income	$8,681,000	2,356
Provision for loan and lease losses	$952,000	1,090
Total noninterest income	$1,083,000	3,354
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$603,000	2,691
Trading account gains and fees	$0	138
Additional Noninterest Income	$480,000	3,384
Total noninterest expense	$6,766,000	2,368
Salaries and employee benefits	$3,690,000	2,349
Premises and equipment expense	$916,000	2,487
Additional noninterest expense	$2,160,000	2,252
Pre-tax net operating income	$2,046,000	3,449
Securities gains (losses)	$28,000	2,163
Applicable income taxes	$615,000	2,992
Income before extraordinary items	$1,459,000	3,703
Extraordinary gains, net	$0	34
Net income	$1,459,000	3,704
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$439,000	1,483
Cash dividends	$464,000	3,676
Sale, conversion, retirement of capital stock, net	$10,266,000	96
Net operating income	$1,439,400	3,678
2004-09-30 (YTD Data)		Rank
Total interest income	$9,365,000	2,267
Total interest expense	$3,178,000	1,886
Net interest income	$6,187,000	2,441
Provision for loan and lease losses	$610,000	1,220
Total noninterest income	$819,000	3,346
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$441,000	2,769
Trading account gains and fees	$0	134
Additional Noninterest Income	$378,000	3,297
Total noninterest expense	$4,857,000	2,449
Salaries and employee benefits	$2,685,000	2,407
Premises and equipment expense	$663,000	2,551
Additional noninterest expense	$1,509,000	2,374
Pre-tax net operating income	$1,539,000	3,512
Securities gains (losses)	$27,000	2,115
Applicable income taxes	$402,000	3,296
Income before extraordinary items	$1,164,000	3,623
Extraordinary gains, net	$0	26
Net income	$1,164,000	3,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$296,000	1,452
Cash dividends	$348,000	3,251
Sale, conversion, retirement of capital stock, net	$33,000	624
Net operating income	$1,144,020	3,600
2004-06-30 (YTD Data)		Rank
Total interest income	$6,045,000	2,332
Total interest expense	$2,060,000	1,925
Net interest income	$3,985,000	2,494
Provision for loan and lease losses	$460,000	1,090
Total noninterest income	$491,000	3,616
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$282,000	2,849
Trading account gains and fees	$0	130
Additional Noninterest Income	$209,000	3,652
Total noninterest expense	$3,108,000	2,538
Salaries and employee benefits	$1,745,000	2,462
Premises and equipment expense	$418,000	2,686
Additional noninterest expense	$945,000	2,507
Pre-tax net operating income	$908,000	3,779
Securities gains (losses)	$27,000	1,860
Applicable income taxes	$232,000	3,513
Income before extraordinary items	$703,000	3,834
Extraordinary gains, net	$0	21
Net income	$703,000	3,835
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	1,878
Cash dividends	$232,000	3,265
Sale, conversion, retirement of capital stock, net	$32,000	524
Net operating income	$682,750	3,823
2004-03-31 (YTD Data)		Rank
Total interest income	$3,042,000	2,312
Total interest expense	$1,049,000	1,904
Net interest income	$1,993,000	2,504
Provision for loan and lease losses	$150,000	1,414
Total noninterest income	$190,000	4,171
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$136,000	2,882
Trading account gains and fees	$0	121
Additional Noninterest Income	$54,000	4,970
Total noninterest expense	$1,564,000	2,540
Salaries and employee benefits	$907,000	2,392
Premises and equipment expense	$208,000	2,710
Additional noninterest expense	$449,000	2,614
Pre-tax net operating income	$469,000	3,684
Securities gains (losses)	$27,000	1,550
Applicable income taxes	$169,000	2,870
Income before extraordinary items	$327,000	4,039
Extraordinary gains, net	$0	16
Net income	$327,000	4,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,000	1,181
Cash dividends	$116,000	2,743
Sale, conversion, retirement of capital stock, net	$31,000	345
Net operating income	$309,180	4,062
2003-12-31 (YTD Data)		Rank
Total interest income	$11,773,000	2,427
Total interest expense	$4,463,000	2,000
Net interest income	$7,310,000	2,646
Provision for loan and lease losses	$591,000	1,906
Total noninterest income	$1,004,000	3,721
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$482,000	3,184
Trading account gains and fees	$0	160
Additional Noninterest Income	$522,000	3,506
Total noninterest expense	$5,670,000	2,740
Salaries and employee benefits	$3,059,000	2,719
Premises and equipment expense	$852,000	2,602
Additional noninterest expense	$1,759,000	2,688
Pre-tax net operating income	$2,053,000	3,340
Securities gains (losses)	$-4,000	8,670
Applicable income taxes	$672,000	2,868
Income before extraordinary items	$1,377,000	3,778
Extraordinary gains, net	$0	54
Net income	$1,377,000	3,777
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$447,000	1,746
Cash dividends	$116,000	5,452
Sale, conversion, retirement of capital stock, net	$5,239,000	182
Net operating income	$1,379,680	3,615
2003-09-30 (YTD Data)		Rank
Total interest income	$8,742,000	2,483
Total interest expense	$3,409,000	2,043
Net interest income	$5,333,000	2,735
Provision for loan and lease losses	$360,000	2,185
Total noninterest income	$742,000	3,805
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$348,000	3,290
Trading account gains and fees	$0	153
Additional Noninterest Income	$394,000	3,554
Total noninterest expense	$4,066,000	2,861
Salaries and employee benefits	$2,280,000	2,741
Premises and equipment expense	$631,000	2,642
Additional noninterest expense	$1,155,000	2,995
Pre-tax net operating income	$1,649,000	3,298
Securities gains (losses)	$-4,000	8,850
Applicable income taxes	$549,000	2,855
Income before extraordinary items	$1,096,000	3,750
Extraordinary gains, net	$0	40
Net income	$1,096,000	3,750
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	3,994
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$5,230,000	121
Net operating income	$1,098,680	3,570
2003-06-30 (YTD Data)		Rank
Total interest income	$5,812,000	2,502
Total interest expense	$2,351,000	2,040
Net interest income	$3,461,000	2,787
Provision for loan and lease losses	$240,000	2,189
Total noninterest income	$422,000	4,118
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$226,000	3,314
Trading account gains and fees	$0	150
Additional Noninterest Income	$196,000	4,078
Total noninterest expense	$2,648,000	2,917
Salaries and employee benefits	$1,483,000	2,806
Premises and equipment expense	$414,000	2,690
Additional noninterest expense	$751,000	3,034
Pre-tax net operating income	$995,000	3,544
Securities gains (losses)	$0	3,782
Applicable income taxes	$335,000	3,034
Income before extraordinary items	$660,000	4,033
Extraordinary gains, net	$0	30
Net income	$660,000	4,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	2,378
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$167,000	350
Net operating income	$660,000	3,855
2003-03-31 (YTD Data)		Rank
Total interest income	$2,883,000	2,541
Total interest expense	$1,192,000	2,064
Net interest income	$1,691,000	2,850
Provision for loan and lease losses	$120,000	2,030
Total noninterest income	$203,000	4,124
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$108,000	3,351
Trading account gains and fees	$0	134
Additional Noninterest Income	$95,000	4,025
Total noninterest expense	$1,291,000	2,960
Salaries and employee benefits	$746,000	2,787
Premises and equipment expense	$198,000	2,780
Additional noninterest expense	$347,000	3,216
Pre-tax net operating income	$483,000	3,584
Securities gains (losses)	$0	2,891
Applicable income taxes	$166,000	3,033
Income before extraordinary items	$317,000	4,085
Extraordinary gains, net	$0	21
Net income	$317,000	4,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	3,542
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$317,000	3,888
2002-12-31 (YTD Data)		Rank
Total interest income	$10,641,000	2,854
Total interest expense	$4,616,000	2,411
Net interest income	$6,025,000	3,130
Provision for loan and lease losses	$610,000	2,028
Total noninterest income	$720,000	4,255
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$332,000	4,012
Trading account gains and fees	$0	153
Additional Noninterest Income	$388,000	3,764
Total noninterest expense	$4,847,000	3,008
Salaries and employee benefits	$2,832,000	2,777
Premises and equipment expense	$669,000	3,120
Additional noninterest expense	$1,346,000	3,263
Pre-tax net operating income	$1,288,000	4,516
Securities gains (losses)	$43,000	2,542
Applicable income taxes	$0	7,681
Income before extraordinary items	$1,331,000	3,830
Extraordinary gains, net	$0	70
Net income	$1,331,000	3,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	3,599
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$46,000	722
Net operating income	$1,288,000	3,803
2001-12-31 (YTD Data)		Rank
Total interest income	$6,960,000	4,456
Total interest expense	$4,152,000	3,682
Net interest income	$2,808,000	5,309
Provision for loan and lease losses	$305,000	3,160
Total noninterest income	$330,000	6,161
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$158,000	5,693
Trading account gains and fees	$0	177
Additional Noninterest Income	$172,000	5,245
Total noninterest expense	$2,823,000	4,551
Salaries and employee benefits	$1,612,000	4,286
Premises and equipment expense	$405,000	4,560
Additional noninterest expense	$806,000	4,753
Pre-tax net operating income	$10,000	8,679
Securities gains (losses)	$19,000	3,188
Applicable income taxes	$0	7,903
Income before extraordinary items	$29,000	8,700
Extraordinary gains, net	$0	105
Net income	$29,000	8,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$153,000	3,341
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$10,000	8,696
2000-12-31 (YTD Data)		Rank
Total interest income	$5,283,000	5,544
Total interest expense	$3,044,000	4,866
Net interest income	$2,239,000	6,201
Provision for loan and lease losses	$370,000	2,423
Total noninterest income	$147,000	7,941
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$70,000	7,199
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	6,989
Total noninterest expense	$2,046,000	5,596
Salaries and employee benefits	$1,202,000	5,221
Premises and equipment expense	$258,000	5,931
Additional noninterest expense	$586,000	5,881
Pre-tax net operating income	$-30,000	9,179
Securities gains (losses)	$-15,000	8,587
Applicable income taxes	$0	8,362
Income before extraordinary items	$-45,000	9,204
Extraordinary gains, net	$0	38
Net income	$-45,000	9,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,307
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-30,000	9,188
1999-12-31 (YTD Data)		Rank
Total interest income	$1,982,000	8,525
Total interest expense	$881,000	8,493
Net interest income	$1,101,000	8,402
Provision for loan and lease losses	$431,000	1,976
Total noninterest income	$54,000	9,529
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$13,000	8,629
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	8,376
Total noninterest expense	$1,256,000	7,412
Salaries and employee benefits	$743,000	7,014
Premises and equipment expense	$119,000	8,257
Additional noninterest expense	$394,000	7,324
Pre-tax net operating income	$-532,000	9,873
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-532,000	9,919
Extraordinary gains, net	$0	35
Net income	$-532,000	9,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-532,000	9,898
1998-12-31 (YTD Data)		Rank
Total interest income	$39,000	10,440
Total interest expense	$7,000	10,417
Net interest income	$32,000	10,434
Provision for loan and lease losses	$63,000	6,049
Total noninterest income	$4,000	10,356
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	10,240
Total noninterest expense	$97,000	10,435
Salaries and employee benefits	$35,000	10,434
Premises and equipment expense	$62,000	9,526
Additional noninterest expense	$0	10,459
Pre-tax net operating income	$-124,000	9,931
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-124,000	9,976
Extraordinary gains, net	$0	32
Net income	$-124,000	9,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$7,774,000	145
Net operating income	$-124,000	9,941

* 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.