Home > Bank of Virginia > Income and Expense
Bank of Virginia, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $6,078,000 | 2,063 |
| Total interest expense | $1,342,000 | 1,068 |
| Net interest income | $4,736,000 | 2,298 |
| Provision for loan and lease losses | $147,000 | 1,981 |
| Total noninterest income | $-595,000 | 6,050 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $77,000 | 3,970 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-672,000 | 6,056 |
| Total noninterest expense | $5,196,000 | 1,837 |
| Salaries and employee benefits | $1,860,000 | 2,643 |
| Premises and equipment expense | $370,000 | 2,661 |
| Additional noninterest expense | $2,966,000 | 1,106 |
| Pre-tax net operating income | $-1,202,000 | 6,026 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $-1,202,000 | 6,022 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,202,000 | 6,021 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-1,202,000 | 6,021 |
| Net charge-offs | $55,000 | 2,078 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $-1,202,000 | 6,020 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $3,035,000 | 2,060 |
| Total interest expense | $641,000 | 1,119 |
| Net interest income | $2,394,000 | 2,271 |
| Provision for loan and lease losses | $98,000 | 1,552 |
| Total noninterest income | $-734,000 | 6,117 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $36,000 | 4,066 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $-770,000 | 6,123 |
| Total noninterest expense | $2,891,000 | 1,679 |
| Salaries and employee benefits | $966,000 | 2,583 |
| Premises and equipment expense | $195,000 | 2,584 |
| Additional noninterest expense | $1,730,000 | 945 |
| Pre-tax net operating income | $-1,329,000 | 6,102 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $-1,329,000 | 6,096 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $-1,329,000 | 6,096 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $-1,329,000 | 6,096 |
| Net charge-offs | $55,000 | 1,369 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $-1,329,000 | 6,094 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $10,841,000 | 2,212 |
| Total interest expense | $2,330,000 | 1,196 |
| Net interest income | $8,511,000 | 2,449 |
| Provision for loan and lease losses | $-293,000 | 5,861 |
| Total noninterest income | $400,000 | 4,483 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $138,000 | 4,256 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $262,000 | 4,135 |
| Total noninterest expense | $7,941,000 | 2,309 |
| Salaries and employee benefits | $3,900,000 | 2,547 |
| Premises and equipment expense | $570,000 | 3,215 |
| Additional noninterest expense | $3,471,000 | 1,747 |
| Pre-tax net operating income | $1,263,000 | 3,771 |
| Securities gains (losses) | $134,000 | 981 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $1,397,000 | 3,355 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,397,000 | 3,354 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,397,000 | 3,356 |
| Net charge-offs | $-27,000 | 5,412 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $1,263,000 | 3,483 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $8,017,000 | 2,255 |
| Total interest expense | $1,708,000 | 1,230 |
| Net interest income | $6,309,000 | 2,491 |
| Provision for loan and lease losses | $-330,000 | 6,039 |
| Total noninterest income | $290,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $97,000 | 4,393 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $193,000 | 4,187 |
| Total noninterest expense | $5,801,000 | 2,359 |
| Salaries and employee benefits | $3,041,000 | 2,472 |
| Premises and equipment expense | $383,000 | 3,480 |
| Additional noninterest expense | $2,377,000 | 1,892 |
| Pre-tax net operating income | $1,128,000 | 3,557 |
| Securities gains (losses) | $136,000 | 836 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $1,264,000 | 3,084 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,264,000 | 3,084 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,264,000 | 3,085 |
| Net charge-offs | $-144,000 | 5,888 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $1,128,000 | 3,236 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $5,268,000 | 2,286 |
| Total interest expense | $1,106,000 | 1,267 |
| Net interest income | $4,162,000 | 2,516 |
| Provision for loan and lease losses | $-264,000 | 6,133 |
| Total noninterest income | $196,000 | 4,562 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $61,000 | 4,483 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $135,000 | 4,150 |
| Total noninterest expense | $3,632,000 | 2,514 |
| Salaries and employee benefits | $2,095,000 | 2,409 |
| Premises and equipment expense | $25,000 | 6,171 |
| Additional noninterest expense | $1,512,000 | 1,983 |
| Pre-tax net operating income | $990,000 | 3,089 |
| Securities gains (losses) | $114,000 | 784 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $1,104,000 | 2,576 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,104,000 | 2,578 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $1,104,000 | 2,578 |
| Net charge-offs | $-165,000 | 6,032 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $990,000 | 2,713 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,553,000 | 2,344 |
| Total interest expense | $543,000 | 1,299 |
| Net interest income | $2,010,000 | 2,591 |
| Provision for loan and lease losses | $-340,000 | 6,297 |
| Total noninterest income | $99,000 | 4,544 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $30,000 | 4,503 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $69,000 | 4,116 |
| Total noninterest expense | $2,041,000 | 2,264 |
| Salaries and employee benefits | $1,147,000 | 2,245 |
| Premises and equipment expense | $208,000 | 2,569 |
| Additional noninterest expense | $686,000 | 2,138 |
| Pre-tax net operating income | $408,000 | 3,353 |
| Securities gains (losses) | $114,000 | 538 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $522,000 | 2,627 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $522,000 | 2,630 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $522,000 | 2,630 |
| Net charge-offs | $-353,000 | 6,311 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $408,000 | 3,021 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $10,216,000 | 2,354 |
| Total interest expense | $1,991,000 | 1,488 |
| Net interest income | $8,225,000 | 2,558 |
| Provision for loan and lease losses | $305,000 | 1,968 |
| Total noninterest income | $289,000 | 5,030 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $127,000 | 4,647 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $162,000 | 4,768 |
| Total noninterest expense | $8,063,000 | 2,310 |
| Salaries and employee benefits | $4,312,000 | 2,332 |
| Premises and equipment expense | $814,000 | 2,634 |
| Additional noninterest expense | $2,937,000 | 2,075 |
| Pre-tax net operating income | $146,000 | 5,782 |
| Securities gains (losses) | $177,000 | 870 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $323,000 | 5,338 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $323,000 | 5,337 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $323,000 | 5,338 |
| Net charge-offs | $705,000 | 1,157 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $146,000 | 5,752 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $7,558,000 | 2,395 |
| Total interest expense | $1,464,000 | 1,538 |
| Net interest income | $6,094,000 | 2,600 |
| Provision for loan and lease losses | $123,000 | 2,595 |
| Total noninterest income | $206,000 | 5,153 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $92,000 | 4,754 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $114,000 | 4,898 |
| Total noninterest expense | $6,133,000 | 2,294 |
| Salaries and employee benefits | $3,351,000 | 2,276 |
| Premises and equipment expense | $613,000 | 2,655 |
| Additional noninterest expense | $2,169,000 | 2,095 |
| Pre-tax net operating income | $44,000 | 6,042 |
| Securities gains (losses) | $61,000 | 1,320 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $105,000 | 5,866 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $105,000 | 5,865 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $105,000 | 5,866 |
| Net charge-offs | $386,000 | 1,379 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $44,000 | 6,034 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,933,000 | 2,435 |
| Total interest expense | $964,000 | 1,562 |
| Net interest income | $3,969,000 | 2,644 |
| Provision for loan and lease losses | $229,000 | 1,532 |
| Total noninterest income | $121,000 | 5,298 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $48,000 | 5,127 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $73,000 | 4,934 |
| Total noninterest expense | $4,112,000 | 2,285 |
| Salaries and employee benefits | $2,255,000 | 2,256 |
| Premises and equipment expense | $411,000 | 2,661 |
| Additional noninterest expense | $1,446,000 | 2,091 |
| Pre-tax net operating income | $-251,000 | 6,418 |
| Securities gains (losses) | $64,000 | 1,036 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-187,000 | 6,403 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-187,000 | 6,404 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-187,000 | 6,405 |
| Net charge-offs | $311,000 | 1,231 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-251,000 | 6,427 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,362,000 | 2,544 |
| Total interest expense | $467,000 | 1,626 |
| Net interest income | $1,895,000 | 2,761 |
| Provision for loan and lease losses | $20,000 | 2,958 |
| Total noninterest income | $60,000 | 5,303 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $26,000 | 5,010 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $34,000 | 5,012 |
| Total noninterest expense | $2,130,000 | 2,213 |
| Salaries and employee benefits | $1,276,000 | 2,034 |
| Premises and equipment expense | $209,000 | 2,679 |
| Additional noninterest expense | $645,000 | 2,317 |
| Pre-tax net operating income | $-195,000 | 6,525 |
| Securities gains (losses) | $64,000 | 569 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-131,000 | 6,485 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-131,000 | 6,485 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-131,000 | 6,486 |
| Net charge-offs | $5,000 | 3,116 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-195,000 | 6,530 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $9,865,000 | 2,459 |
| Total interest expense | $1,809,000 | 1,865 |
| Net interest income | $8,056,000 | 2,587 |
| Provision for loan and lease losses | $19,000 | 4,757 |
| Total noninterest income | $337,000 | 4,983 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $124,000 | 4,895 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $213,000 | 4,536 |
| Total noninterest expense | $7,027,000 | 2,623 |
| Salaries and employee benefits | $3,795,000 | 2,595 |
| Premises and equipment expense | $785,000 | 2,742 |
| Additional noninterest expense | $2,447,000 | 2,520 |
| Pre-tax net operating income | $1,347,000 | 3,586 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $1,347,000 | 3,354 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,347,000 | 3,356 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,347,000 | 3,357 |
| Net charge-offs | $647,000 | 1,723 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $-674,000 | 6,777 |
| Net operating income | $1,347,000 | 3,302 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $7,606,000 | 2,408 |
| Total interest expense | $1,357,000 | 1,927 |
| Net interest income | $6,249,000 | 2,516 |
| Provision for loan and lease losses | $111,000 | 3,262 |
| Total noninterest income | $252,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $94,000 | 4,928 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $158,000 | 4,634 |
| Total noninterest expense | $5,256,000 | 2,630 |
| Salaries and employee benefits | $2,861,000 | 2,587 |
| Premises and equipment expense | $586,000 | 2,772 |
| Additional noninterest expense | $1,809,000 | 2,530 |
| Pre-tax net operating income | $1,134,000 | 3,460 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $1,134,000 | 3,180 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,134,000 | 3,183 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,134,000 | 3,184 |
| Net charge-offs | $712,000 | 1,282 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $-674,000 | 6,863 |
| Net operating income | $1,134,000 | 3,110 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,281,000 | 2,316 |
| Total interest expense | $899,000 | 1,947 |
| Net interest income | $4,382,000 | 2,392 |
| Provision for loan and lease losses | $134,000 | 2,618 |
| Total noninterest income | $132,000 | 5,417 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $64,000 | 4,876 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $68,000 | 5,192 |
| Total noninterest expense | $3,587,000 | 2,591 |
| Salaries and employee benefits | $1,968,000 | 2,529 |
| Premises and equipment expense | $395,000 | 2,770 |
| Additional noninterest expense | $1,224,000 | 2,488 |
| Pre-tax net operating income | $793,000 | 3,355 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $793,000 | 3,085 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $793,000 | 3,087 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $793,000 | 3,088 |
| Net charge-offs | $689,000 | 1,005 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $-674,000 | 6,920 |
| Net operating income | $793,000 | 2,996 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 2,319 |
| Total interest expense | $432,000 | 2,051 |
| Net interest income | $2,230,000 | 2,354 |
| Provision for loan and lease losses | $127,000 | 1,847 |
| Total noninterest income | $67,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $63,000 | 3,667 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,000 | 6,468 |
| Total noninterest expense | $1,846,000 | 2,545 |
| Salaries and employee benefits | $1,085,000 | 2,342 |
| Premises and equipment expense | $199,000 | 2,779 |
| Additional noninterest expense | $562,000 | 2,696 |
| Pre-tax net operating income | $324,000 | 3,665 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $324,000 | 3,430 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $324,000 | 3,430 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $324,000 | 3,432 |
| Net charge-offs | $661,000 | 636 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $-674,000 | 7,008 |
| Net operating income | $324,000 | 3,330 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,858,000 | 3,490 |
| Total interest expense | $2,236,000 | 1,950 |
| Net interest income | $4,622,000 | 4,010 |
| Provision for loan and lease losses | $-1,269,000 | 7,040 |
| Total noninterest income | $343,000 | 5,032 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $255,000 | 3,799 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $88,000 | 5,447 |
| Total noninterest expense | $7,161,000 | 2,609 |
| Salaries and employee benefits | $3,536,000 | 2,756 |
| Premises and equipment expense | $954,000 | 2,356 |
| Additional noninterest expense | $2,671,000 | 2,427 |
| Pre-tax net operating income | $-927,000 | 6,645 |
| Securities gains (losses) | $369,000 | 1,187 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-558,000 | 6,603 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-558,000 | 6,597 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-558,000 | 6,599 |
| Net charge-offs | $1,124,000 | 1,707 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $2,821,000 | 135 |
| Net operating income | $-927,000 | 6,663 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,130,000 | 3,560 |
| Total interest expense | $1,766,000 | 1,930 |
| Net interest income | $3,364,000 | 4,168 |
| Provision for loan and lease losses | $-1,174,000 | 7,146 |
| Total noninterest income | $269,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $110,000 | 4,898 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $159,000 | 4,554 |
| Total noninterest expense | $5,159,000 | 2,701 |
| Salaries and employee benefits | $2,582,000 | 2,838 |
| Premises and equipment expense | $723,000 | 2,374 |
| Additional noninterest expense | $1,854,000 | 2,598 |
| Pre-tax net operating income | $-352,000 | 6,613 |
| Securities gains (losses) | $298,000 | 1,126 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-54,000 | 6,496 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-54,000 | 6,493 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-54,000 | 6,493 |
| Net charge-offs | $376,000 | 2,537 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $2,920,000 | 90 |
| Net operating income | $-352,000 | 6,631 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,463,000 | 3,555 |
| Total interest expense | $1,204,000 | 1,960 |
| Net interest income | $2,259,000 | 4,150 |
| Provision for loan and lease losses | $-1,168,000 | 7,216 |
| Total noninterest income | $200,000 | 4,860 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $75,000 | 4,853 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $125,000 | 4,343 |
| Total noninterest expense | $3,435,000 | 2,723 |
| Salaries and employee benefits | $1,669,000 | 2,922 |
| Premises and equipment expense | $480,000 | 2,375 |
| Additional noninterest expense | $1,286,000 | 2,512 |
| Pre-tax net operating income | $192,000 | 5,344 |
| Securities gains (losses) | $298,000 | 867 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $490,000 | 4,027 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $490,000 | 4,031 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $490,000 | 4,031 |
| Net charge-offs | $-35,000 | 6,916 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 704 |
| Net operating income | $192,000 | 5,178 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,801,000 | 3,489 |
| Total interest expense | $607,000 | 2,019 |
| Net interest income | $1,194,000 | 4,023 |
| Provision for loan and lease losses | $-549,000 | 7,274 |
| Total noninterest income | $70,000 | 5,439 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $38,000 | 4,813 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $32,000 | 5,276 |
| Total noninterest expense | $1,766,000 | 2,653 |
| Salaries and employee benefits | $827,000 | 2,952 |
| Premises and equipment expense | $245,000 | 2,326 |
| Additional noninterest expense | $694,000 | 2,306 |
| Pre-tax net operating income | $47,000 | 5,968 |
| Securities gains (losses) | $298,000 | 461 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $345,000 | 3,381 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $345,000 | 3,384 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $345,000 | 3,384 |
| Net charge-offs | $-244,000 | 7,247 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 651 |
| Net operating income | $47,000 | 5,873 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,262,000 | 3,235 |
| Total interest expense | $3,158,000 | 1,871 |
| Net interest income | $5,104,000 | 3,855 |
| Provision for loan and lease losses | $2,786,000 | 1,264 |
| Total noninterest income | $362,000 | 4,932 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $199,000 | 4,383 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $163,000 | 4,735 |
| Total noninterest expense | $7,262,000 | 2,584 |
| Salaries and employee benefits | $3,348,000 | 2,848 |
| Premises and equipment expense | $1,068,000 | 2,269 |
| Additional noninterest expense | $2,846,000 | 2,306 |
| Pre-tax net operating income | $-4,582,000 | 7,032 |
| Securities gains (losses) | $129,000 | 1,840 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-4,453,000 | 7,046 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,453,000 | 7,046 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,453,000 | 7,047 |
| Net charge-offs | $3,946,000 | 985 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 994 |
| Net operating income | $-4,582,000 | 7,041 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,411,000 | 3,187 |
| Total interest expense | $2,508,000 | 1,844 |
| Net interest income | $3,903,000 | 3,828 |
| Provision for loan and lease losses | $2,737,000 | 999 |
| Total noninterest income | $250,000 | 5,111 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $157,000 | 4,320 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $93,000 | 5,174 |
| Total noninterest expense | $5,353,000 | 2,630 |
| Salaries and employee benefits | $2,541,000 | 2,816 |
| Premises and equipment expense | $741,000 | 2,455 |
| Additional noninterest expense | $2,071,000 | 2,388 |
| Pre-tax net operating income | $-3,937,000 | 7,177 |
| Securities gains (losses) | $129,000 | 1,558 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-3,808,000 | 7,204 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,808,000 | 7,201 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-3,808,000 | 7,204 |
| Net charge-offs | $2,424,000 | 1,070 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 973 |
| Net operating income | $-3,937,000 | 7,201 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,524,000 | 3,071 |
| Total interest expense | $1,749,000 | 1,827 |
| Net interest income | $2,775,000 | 3,680 |
| Provision for loan and lease losses | $2,594,000 | 763 |
| Total noninterest income | $201,000 | 4,871 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $101,000 | 4,371 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $100,000 | 4,543 |
| Total noninterest expense | $3,595,000 | 2,625 |
| Salaries and employee benefits | $1,765,000 | 2,736 |
| Premises and equipment expense | $469,000 | 2,579 |
| Additional noninterest expense | $1,361,000 | 2,451 |
| Pre-tax net operating income | $-3,213,000 | 7,293 |
| Securities gains (losses) | $129,000 | 963 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-3,084,000 | 7,300 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,084,000 | 7,299 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-3,084,000 | 7,300 |
| Net charge-offs | $583,000 | 1,984 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 964 |
| Net operating income | $-3,213,000 | 7,306 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 2,962 |
| Total interest expense | $912,000 | 1,811 |
| Net interest income | $1,460,000 | 3,543 |
| Provision for loan and lease losses | $1,483,000 | 659 |
| Total noninterest income | $121,000 | 4,584 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $45,000 | 4,534 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $76,000 | 3,996 |
| Total noninterest expense | $1,900,000 | 2,521 |
| Salaries and employee benefits | $946,000 | 2,562 |
| Premises and equipment expense | $246,000 | 2,523 |
| Additional noninterest expense | $708,000 | 2,346 |
| Pre-tax net operating income | $-1,802,000 | 7,376 |
| Securities gains (losses) | $35,000 | 882 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,767,000 | 7,386 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,767,000 | 7,386 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,767,000 | 7,386 |
| Net charge-offs | $644,000 | 1,150 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 891 |
| Net operating income | $-1,802,000 | 7,387 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,832,000 | 2,754 |
| Total interest expense | $4,452,000 | 1,813 |
| Net interest income | $6,380,000 | 3,317 |
| Provision for loan and lease losses | $9,018,000 | 725 |
| Total noninterest income | $288,000 | 5,459 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $170,000 | 4,702 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $118,000 | 5,250 |
| Total noninterest expense | $7,344,000 | 2,626 |
| Salaries and employee benefits | $3,426,000 | 2,786 |
| Premises and equipment expense | $1,005,000 | 2,468 |
| Additional noninterest expense | $2,913,000 | 2,335 |
| Pre-tax net operating income | $-9,694,000 | 7,346 |
| Securities gains (losses) | $544,000 | 827 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-9,150,000 | 7,353 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-9,150,000 | 7,353 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-9,150,000 | 7,353 |
| Net charge-offs | $7,409,000 | 760 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $9,583,000 | 87 |
| Net operating income | $-9,694,000 | 7,362 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,192,000 | 2,793 |
| Total interest expense | $3,458,000 | 1,824 |
| Net interest income | $4,734,000 | 3,397 |
| Provision for loan and lease losses | $5,329,000 | 834 |
| Total noninterest income | $202,000 | 5,668 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $122,000 | 4,852 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $80,000 | 5,497 |
| Total noninterest expense | $5,226,000 | 2,737 |
| Salaries and employee benefits | $2,522,000 | 2,833 |
| Premises and equipment expense | $754,000 | 2,510 |
| Additional noninterest expense | $1,950,000 | 2,534 |
| Pre-tax net operating income | $-5,619,000 | 7,403 |
| Securities gains (losses) | $109,000 | 1,866 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-5,510,000 | 7,450 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-5,510,000 | 7,450 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-5,510,000 | 7,450 |
| Net charge-offs | $5,222,000 | 757 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $-53,000 | 7,697 |
| Net operating income | $-5,619,000 | 7,430 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,436,000 | 2,826 |
| Total interest expense | $2,352,000 | 1,856 |
| Net interest income | $3,084,000 | 3,453 |
| Provision for loan and lease losses | $487,000 | 2,899 |
| Total noninterest income | $138,000 | 5,633 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $77,000 | 4,938 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $61,000 | 5,358 |
| Total noninterest expense | $3,454,000 | 2,759 |
| Salaries and employee benefits | $1,681,000 | 2,836 |
| Premises and equipment expense | $507,000 | 2,517 |
| Additional noninterest expense | $1,266,000 | 2,598 |
| Pre-tax net operating income | $-719,000 | 6,880 |
| Securities gains (losses) | $94,000 | 1,461 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-625,000 | 6,929 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-625,000 | 6,929 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-625,000 | 6,929 |
| Net charge-offs | $620,000 | 2,203 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $-53,000 | 7,781 |
| Net operating income | $-719,000 | 6,940 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,817,000 | 2,796 |
| Total interest expense | $1,209,000 | 1,901 |
| Net interest income | $1,608,000 | 3,366 |
| Provision for loan and lease losses | $326,000 | 2,291 |
| Total noninterest income | $67,000 | 5,704 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $37,000 | 5,011 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $30,000 | 5,438 |
| Total noninterest expense | $1,801,000 | 2,695 |
| Salaries and employee benefits | $830,000 | 2,918 |
| Premises and equipment expense | $261,000 | 2,501 |
| Additional noninterest expense | $710,000 | 2,354 |
| Pre-tax net operating income | $-452,000 | 7,145 |
| Securities gains (losses) | $94,000 | 813 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-358,000 | 7,140 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-358,000 | 7,143 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-358,000 | 7,141 |
| Net charge-offs | $616,000 | 1,433 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $-53,000 | 7,897 |
| Net operating income | $-452,000 | 7,205 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,091,000 | 2,728 |
| Total interest expense | $5,998,000 | 1,921 |
| Net interest income | $6,093,000 | 3,418 |
| Provision for loan and lease losses | $4,484,000 | 1,541 |
| Total noninterest income | $355,000 | 5,332 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $182,000 | 4,808 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $173,000 | 4,873 |
| Total noninterest expense | $6,458,000 | 2,996 |
| Salaries and employee benefits | $3,241,000 | 2,983 |
| Premises and equipment expense | $777,000 | 3,205 |
| Additional noninterest expense | $2,440,000 | 2,801 |
| Pre-tax net operating income | $-4,494,000 | 7,127 |
| Securities gains (losses) | $281,000 | 1,294 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-4,213,000 | 7,183 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,213,000 | 7,182 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,213,000 | 7,182 |
| Net charge-offs | $2,204,000 | 1,921 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $4,070,000 | 219 |
| Net operating income | $-4,494,000 | 7,223 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,066,000 | 2,769 |
| Total interest expense | $4,650,000 | 1,947 |
| Net interest income | $4,416,000 | 3,521 |
| Provision for loan and lease losses | $3,459,000 | 1,347 |
| Total noninterest income | $281,000 | 5,312 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $136,000 | 4,850 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $145,000 | 4,835 |
| Total noninterest expense | $4,239,000 | 3,343 |
| Salaries and employee benefits | $2,400,000 | 3,036 |
| Premises and equipment expense | $500,000 | 3,629 |
| Additional noninterest expense | $1,339,000 | 3,573 |
| Pre-tax net operating income | $-3,001,000 | 7,291 |
| Securities gains (losses) | $275,000 | 1,059 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-2,726,000 | 7,329 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,726,000 | 7,329 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,726,000 | 7,329 |
| Net charge-offs | $1,924,000 | 1,534 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,175 |
| Net operating income | $-3,001,000 | 7,373 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,988,000 | 2,838 |
| Total interest expense | $3,145,000 | 2,019 |
| Net interest income | $2,843,000 | 3,606 |
| Provision for loan and lease losses | $3,640,000 | 950 |
| Total noninterest income | $192,000 | 5,295 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $94,000 | 4,771 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $98,000 | 4,834 |
| Total noninterest expense | $2,808,000 | 3,394 |
| Salaries and employee benefits | $1,573,000 | 3,103 |
| Premises and equipment expense | $339,000 | 3,610 |
| Additional noninterest expense | $896,000 | 3,565 |
| Pre-tax net operating income | $-3,413,000 | 7,605 |
| Securities gains (losses) | $156,000 | 1,184 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,257,000 | 7,653 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,257,000 | 7,652 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,257,000 | 7,652 |
| Net charge-offs | $1,893,000 | 1,157 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,136 |
| Net operating income | $-3,413,000 | 7,679 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,934,000 | 2,918 |
| Total interest expense | $1,551,000 | 2,111 |
| Net interest income | $1,383,000 | 3,677 |
| Provision for loan and lease losses | $70,000 | 4,469 |
| Total noninterest income | $85,000 | 5,475 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $38,000 | 5,114 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $47,000 | 4,942 |
| Total noninterest expense | $1,357,000 | 3,408 |
| Salaries and employee benefits | $794,000 | 3,119 |
| Premises and equipment expense | $172,000 | 3,614 |
| Additional noninterest expense | $391,000 | 3,639 |
| Pre-tax net operating income | $41,000 | 5,752 |
| Securities gains (losses) | $60,000 | 1,218 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $101,000 | 4,952 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $101,000 | 4,955 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $101,000 | 4,954 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,009 |
| Net operating income | $41,000 | 5,664 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,427,000 | 2,944 |
| Total interest expense | $6,966,000 | 2,208 |
| Net interest income | $5,461,000 | 3,716 |
| Provision for loan and lease losses | $1,764,000 | 1,952 |
| Total noninterest income | $346,000 | 5,575 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $206,000 | 4,735 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $140,000 | 5,427 |
| Total noninterest expense | $5,545,000 | 3,294 |
| Salaries and employee benefits | $3,110,000 | 3,149 |
| Premises and equipment expense | $729,000 | 3,409 |
| Additional noninterest expense | $1,706,000 | 3,289 |
| Pre-tax net operating income | $-1,502,000 | 7,215 |
| Securities gains (losses) | $187,000 | 749 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-1,315,000 | 7,136 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,315,000 | 7,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,993 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,302 |
| Net operating income | $-1,502,000 | 7,319 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,325,000 | 3,009 |
| Total interest expense | $5,302,000 | 2,259 |
| Net interest income | $4,023,000 | 3,791 |
| Provision for loan and lease losses | $249,000 | 3,865 |
| Total noninterest income | $268,000 | 5,591 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $168,000 | 4,618 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $100,000 | 5,625 |
| Total noninterest expense | $4,106,000 | 3,318 |
| Salaries and employee benefits | $2,341,000 | 3,171 |
| Premises and equipment expense | $541,000 | 3,456 |
| Additional noninterest expense | $1,224,000 | 3,339 |
| Pre-tax net operating income | $-64,000 | 6,865 |
| Securities gains (losses) | $149,000 | 745 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $85,000 | 6,253 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $85,000 | 6,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,159 |
| Net operating income | $-64,000 | 6,901 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,193,000 | 3,062 |
| Total interest expense | $3,608,000 | 2,317 |
| Net interest income | $2,585,000 | 3,883 |
| Provision for loan and lease losses | $143,000 | 3,748 |
| Total noninterest income | $168,000 | 5,785 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $104,000 | 4,763 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $64,000 | 5,772 |
| Total noninterest expense | $2,767,000 | 3,302 |
| Salaries and employee benefits | $1,551,000 | 3,237 |
| Premises and equipment expense | $361,000 | 3,477 |
| Additional noninterest expense | $855,000 | 3,153 |
| Pre-tax net operating income | $-157,000 | 7,271 |
| Securities gains (losses) | $124,000 | 825 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-33,000 | 7,119 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-33,000 | 7,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,064 |
| Net operating income | $-157,000 | 7,312 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,149,000 | 3,089 |
| Total interest expense | $1,884,000 | 2,362 |
| Net interest income | $1,265,000 | 3,945 |
| Provision for loan and lease losses | $113,000 | 2,567 |
| Total noninterest income | $84,000 | 5,778 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $52,000 | 4,734 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $32,000 | 5,807 |
| Total noninterest expense | $1,380,000 | 3,300 |
| Salaries and employee benefits | $773,000 | 3,252 |
| Premises and equipment expense | $181,000 | 3,483 |
| Additional noninterest expense | $426,000 | 3,117 |
| Pre-tax net operating income | $-144,000 | 7,655 |
| Securities gains (losses) | $55,000 | 1,035 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-89,000 | 7,624 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-89,000 | 7,622 |
| 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 | $3,000 | 944 |
| Net operating income | $-144,000 | 7,704 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,380,000 | 3,426 |
| Total interest expense | $6,272,000 | 2,899 |
| Net interest income | $5,108,000 | 3,933 |
| Provision for loan and lease losses | $346,000 | 2,933 |
| Total noninterest income | $207,000 | 6,694 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $121,000 | 5,745 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $86,000 | 6,437 |
| Total noninterest expense | $4,475,000 | 3,773 |
| Salaries and employee benefits | $2,709,000 | 3,502 |
| Premises and equipment expense | $528,000 | 4,207 |
| Additional noninterest expense | $1,238,000 | 3,989 |
| Pre-tax net operating income | $494,000 | 6,016 |
| Securities gains (losses) | $12,000 | 1,280 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $506,000 | 5,660 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $506,000 | 5,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 1,029 |
| Net operating income | $494,000 | 5,684 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,213,000 | 3,541 |
| Total interest expense | $4,465,000 | 3,015 |
| Net interest income | $3,748,000 | 4,013 |
| Provision for loan and lease losses | $247,000 | 2,635 |
| Total noninterest income | $145,000 | 6,837 |
| 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 | $61,000 | 6,525 |
| Total noninterest expense | $3,233,000 | 3,877 |
| Salaries and employee benefits | $1,965,000 | 3,589 |
| Premises and equipment expense | $397,000 | 4,184 |
| Additional noninterest expense | $871,000 | 4,118 |
| Pre-tax net operating income | $413,000 | 6,108 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $413,000 | 5,768 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $413,000 | 5,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 904 |
| Net operating income | $413,000 | 5,753 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,274,000 | 3,646 |
| Total interest expense | $2,856,000 | 3,122 |
| Net interest income | $2,418,000 | 4,145 |
| Provision for loan and lease losses | $192,000 | 2,225 |
| Total noninterest income | $92,000 | 6,951 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $54,000 | 5,982 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $38,000 | 6,680 |
| Total noninterest expense | $2,094,000 | 3,988 |
| Salaries and employee benefits | $1,261,000 | 3,722 |
| Premises and equipment expense | $268,000 | 4,166 |
| Additional noninterest expense | $565,000 | 4,196 |
| Pre-tax net operating income | $224,000 | 6,496 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $224,000 | 6,197 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $224,000 | 6,196 |
| 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 | $31,000 | 833 |
| Net operating income | $224,000 | 6,185 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,507,000 | 3,774 |
| Total interest expense | $1,353,000 | 3,234 |
| Net interest income | $1,154,000 | 4,273 |
| Provision for loan and lease losses | $87,000 | 2,267 |
| Total noninterest income | $40,000 | 7,127 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $22,000 | 6,225 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $18,000 | 6,767 |
| Total noninterest expense | $1,002,000 | 4,138 |
| Salaries and employee benefits | $585,000 | 3,956 |
| Premises and equipment expense | $127,000 | 4,340 |
| Additional noninterest expense | $290,000 | 4,064 |
| Pre-tax net operating income | $105,000 | 6,597 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $105,000 | 6,321 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $105,000 | 6,320 |
| 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 | $14,000 | 721 |
| Net operating income | $105,000 | 6,301 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,462,000 | 4,383 |
| Total interest expense | $3,538,000 | 3,886 |
| Net interest income | $3,924,000 | 4,710 |
| Provision for loan and lease losses | $384,000 | 2,357 |
| Total noninterest income | $151,000 | 7,299 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $83,000 | 6,393 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $68,000 | 6,891 |
| Total noninterest expense | $3,598,000 | 4,311 |
| Salaries and employee benefits | $2,158,000 | 4,039 |
| Premises and equipment expense | $465,000 | 4,467 |
| Additional noninterest expense | $975,000 | 4,592 |
| Pre-tax net operating income | $93,000 | 7,730 |
| Securities gains (losses) | $6,000 | 1,217 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $99,000 | 7,678 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $99,000 | 7,680 |
| 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 | $67,000 | 963 |
| Net operating income | $93,000 | 7,696 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,186,000 | 4,592 |
| Total interest expense | $2,358,000 | 4,115 |
| Net interest income | $2,828,000 | 4,862 |
| Provision for loan and lease losses | $283,000 | 2,263 |
| Total noninterest income | $111,000 | 7,381 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $61,000 | 6,491 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $50,000 | 6,932 |
| Total noninterest expense | $2,650,000 | 4,350 |
| Salaries and employee benefits | $1,603,000 | 4,050 |
| Premises and equipment expense | $137,000 | 6,927 |
| Additional noninterest expense | $910,000 | 3,889 |
| Pre-tax net operating income | $6,000 | 8,090 |
| Securities gains (losses) | $3,000 | 1,123 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $9,000 | 8,106 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $9,000 | 8,108 |
| 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 | $53,000 | 808 |
| Net operating income | $6,000 | 8,103 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,149,000 | 4,802 |
| Total interest expense | $1,369,000 | 4,347 |
| Net interest income | $1,780,000 | 5,066 |
| Provision for loan and lease losses | $217,000 | 1,979 |
| Total noninterest income | $69,000 | 7,525 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $39,000 | 6,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,109 |
| Total noninterest expense | $1,707,000 | 4,485 |
| Salaries and employee benefits | $1,046,000 | 4,140 |
| Premises and equipment expense | $211,000 | 4,767 |
| Additional noninterest expense | $450,000 | 4,825 |
| Pre-tax net operating income | $-75,000 | 8,316 |
| Securities gains (losses) | $3,000 | 925 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-72,000 | 8,312 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-72,000 | 8,313 |
| 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 | $-75,000 | 8,313 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,412,000 | 5,100 |
| Total interest expense | $578,000 | 4,682 |
| Net interest income | $834,000 | 5,275 |
| Provision for loan and lease losses | $81,000 | 2,323 |
| Total noninterest income | $33,000 | 7,559 |
| 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 | $14,000 | 7,173 |
| Total noninterest expense | $816,000 | 4,623 |
| Salaries and employee benefits | $504,000 | 4,258 |
| Premises and equipment expense | $62,000 | 6,285 |
| Additional noninterest expense | $250,000 | 4,475 |
| Pre-tax net operating income | $-30,000 | 8,322 |
| Securities gains (losses) | $3,000 | 752 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-27,000 | 8,323 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-27,000 | 8,323 |
| 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 | $-30,000 | 8,321 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,114,000 | 6,504 |
| Total interest expense | $1,185,000 | 5,834 |
| Net interest income | $1,929,000 | 6,718 |
| Provision for loan and lease losses | $464,000 | 2,021 |
| Total noninterest income | $110,000 | 7,841 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $69,000 | 6,762 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,593 |
| Total noninterest expense | $3,277,000 | 4,503 |
| Salaries and employee benefits | $1,991,000 | 4,134 |
| Premises and equipment expense | $444,000 | 4,542 |
| Additional noninterest expense | $842,000 | 4,981 |
| Pre-tax net operating income | $-1,702,000 | 8,746 |
| Securities gains (losses) | $-132,000 | 8,499 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-1,834,000 | 8,767 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,834,000 | 8,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,327 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $10,718,000 | 174 |
| Net operating income | $-1,702,000 | 8,744 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,941,000 | 6,947 |
| Total interest expense | $702,000 | 6,356 |
| Net interest income | $1,239,000 | 7,121 |
| Provision for loan and lease losses | $406,000 | 1,697 |
| Total noninterest income | $79,000 | 7,930 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 6,812 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,758 |
| Total noninterest expense | $2,443,000 | 4,499 |
| Salaries and employee benefits | $1,499,000 | 4,097 |
| Premises and equipment expense | $347,000 | 4,392 |
| Additional noninterest expense | $597,000 | 5,140 |
| Pre-tax net operating income | $-1,531,000 | 8,784 |
| Securities gains (losses) | $-132,000 | 8,674 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-1,663,000 | 8,808 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,663,000 | 8,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,542 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-1,531,000 | 8,783 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,119,000 | 7,212 |
| Total interest expense | $388,000 | 6,674 |
| Net interest income | $731,000 | 7,392 |
| Provision for loan and lease losses | $301,000 | 1,503 |
| Total noninterest income | $43,000 | 8,121 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $30,000 | 6,945 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $13,000 | 7,996 |
| Total noninterest expense | $1,636,000 | 4,470 |
| Salaries and employee benefits | $1,006,000 | 4,056 |
| Premises and equipment expense | $233,000 | 4,340 |
| Additional noninterest expense | $397,000 | 5,111 |
| Pre-tax net operating income | $-1,163,000 | 8,798 |
| Securities gains (losses) | $-132,000 | 8,734 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-1,295,000 | 8,826 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,295,000 | 8,826 |
| 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 | $-1,163,000 | 8,800 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $482,000 | 7,567 |
| Total interest expense | $157,000 | 7,079 |
| Net interest income | $325,000 | 7,674 |
| Provision for loan and lease losses | $149,000 | 1,495 |
| Total noninterest income | $17,000 | 8,358 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $813,000 | 4,512 |
| Salaries and employee benefits | $508,000 | 4,045 |
| Premises and equipment expense | $118,000 | 4,349 |
| Additional noninterest expense | $187,000 | 5,322 |
| Pre-tax net operating income | $-620,000 | 8,872 |
| Securities gains (losses) | $-184,000 | 8,866 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-804,000 | 8,895 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-804,000 | 8,895 |
| 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 | $-620,000 | 8,873 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $889,000 | 8,490 |
| Total interest expense | $339,000 | 7,921 |
| Net interest income | $550,000 | 8,603 |
| Provision for loan and lease losses | $184,000 | 3,847 |
| Total noninterest income | $42,000 | 8,636 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $30,000 | 7,548 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,000 | 8,473 |
| Total noninterest expense | $2,835,000 | 4,862 |
| Salaries and employee benefits | $1,659,000 | 4,608 |
| Premises and equipment expense | $571,000 | 3,684 |
| Additional noninterest expense | $605,000 | 5,946 |
| Pre-tax net operating income | $-2,427,000 | 8,915 |
| Securities gains (losses) | $-256,000 | 8,829 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-2,683,000 | 8,936 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,683,000 | 8,937 |
| 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 | $10,738,000 | 92 |
| Net operating income | $-2,427,000 | 8,916 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $493,000 | 8,716 |
| Total interest expense | $201,000 | 8,255 |
| Net interest income | $292,000 | 8,790 |
| Provision for loan and lease losses | $158,000 | 3,444 |
| Total noninterest income | $22,000 | 8,783 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $16,000 | 7,693 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,650 |
| Total noninterest expense | $2,043,000 | 4,950 |
| Salaries and employee benefits | $1,209,000 | 4,656 |
| Premises and equipment expense | $426,000 | 3,705 |
| Additional noninterest expense | $408,000 | 6,248 |
| Pre-tax net operating income | $-1,887,000 | 8,966 |
| Securities gains (losses) | $-122,000 | 8,908 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-2,009,000 | 8,982 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-2,009,000 | 8,983 |
| 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 | $10,715,000 | 72 |
| Net operating income | $-1,887,000 | 8,968 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $223,000 | 8,910 |
| Total interest expense | $84,000 | 8,672 |
| Net interest income | $139,000 | 8,939 |
| Provision for loan and lease losses | $65,000 | 4,191 |
| Total noninterest income | $7,000 | 8,933 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $5,000 | 7,870 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $1,182,000 | 5,487 |
| Salaries and employee benefits | $715,000 | 5,087 |
| Premises and equipment expense | $225,000 | 4,416 |
| Additional noninterest expense | $242,000 | 6,633 |
| Pre-tax net operating income | $-1,101,000 | 9,002 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-1,101,000 | 9,019 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,101,000 | 9,020 |
| 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 | $10,715,000 | 46 |
| Net operating income | $-1,101,000 | 9,004 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $47,000 | 9,050 |
| Total interest expense | $16,000 | 8,975 |
| Net interest income | $31,000 | 9,058 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $6,000 | 8,907 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,932 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $502,000 | 6,034 |
| Salaries and employee benefits | $315,000 | 5,582 |
| Premises and equipment expense | $79,000 | 5,553 |
| Additional noninterest expense | $108,000 | 6,955 |
| Pre-tax net operating income | $-490,000 | 9,031 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-490,000 | 9,050 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-490,000 | 9,049 |
| 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 | $10,897,000 | 27 |
| Net operating income | $-490,000 | 9,028 |
* 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.