Bay Bank, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,499,000 | 5,123 |
| Total interest expense | $215,000 | 4,421 |
| Net interest income | $1,284,000 | 5,159 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $209,000 | 4,595 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $83,000 | 4,261 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $126,000 | 4,261 |
| Total noninterest expense | $1,706,000 | 4,244 |
| Salaries and employee benefits | $580,000 | 5,189 |
| Premises and equipment expense | $224,000 | 3,946 |
| Additional noninterest expense | $902,000 | 3,131 |
| Pre-tax net operating income | $-213,000 | 6,405 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-213,000 | 6,419 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-213,000 | 6,421 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-213,000 | 6,421 |
| Net charge-offs | $175,000 | 1,714 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-213,000 | 6,412 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $754,000 | 5,164 |
| Total interest expense | $110,000 | 4,436 |
| Net interest income | $644,000 | 5,208 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $99,000 | 4,644 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $42,000 | 4,230 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $57,000 | 4,383 |
| Total noninterest expense | $728,000 | 4,648 |
| Salaries and employee benefits | $290,000 | 5,253 |
| Premises and equipment expense | $113,000 | 3,961 |
| Additional noninterest expense | $325,000 | 3,928 |
| Pre-tax net operating income | $15,000 | 6,083 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $15,000 | 6,091 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $15,000 | 6,092 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $15,000 | 6,092 |
| Net charge-offs | $60,000 | 1,724 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $15,000 | 6,075 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $3,265,000 | 5,072 |
| Total interest expense | $533,000 | 4,328 |
| Net interest income | $2,732,000 | 5,137 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $446,000 | 4,580 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $161,000 | 4,470 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $285,000 | 4,158 |
| Total noninterest expense | $3,171,000 | 4,481 |
| Salaries and employee benefits | $1,281,000 | 5,122 |
| Premises and equipment expense | $450,000 | 3,967 |
| Additional noninterest expense | $1,440,000 | 3,752 |
| Pre-tax net operating income | $7,000 | 6,174 |
| Securities gains (losses) | $40,000 | 1,960 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $47,000 | 6,140 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $47,000 | 6,142 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $47,000 | 6,143 |
| Net charge-offs | $330,000 | 2,468 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $7,000 | 6,192 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,477,000 | 5,102 |
| Total interest expense | $409,000 | 4,367 |
| Net interest income | $2,068,000 | 5,163 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $317,000 | 4,729 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $114,000 | 4,602 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $203,000 | 4,290 |
| Total noninterest expense | $2,401,000 | 4,476 |
| Salaries and employee benefits | $989,000 | 5,096 |
| Premises and equipment expense | $334,000 | 4,039 |
| Additional noninterest expense | $1,078,000 | 3,754 |
| Pre-tax net operating income | $-16,000 | 6,318 |
| Securities gains (losses) | $40,000 | 1,818 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $24,000 | 6,273 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $24,000 | 6,275 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $24,000 | 6,274 |
| Net charge-offs | $279,000 | 2,194 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-16,000 | 6,324 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,655,000 | 5,128 |
| Total interest expense | $281,000 | 4,359 |
| Net interest income | $1,374,000 | 5,175 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $215,000 | 4,743 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $76,000 | 4,585 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $139,000 | 4,307 |
| Total noninterest expense | $1,621,000 | 4,470 |
| Salaries and employee benefits | $682,000 | 5,036 |
| Premises and equipment expense | $222,000 | 4,073 |
| Additional noninterest expense | $717,000 | 3,769 |
| Pre-tax net operating income | $-32,000 | 6,378 |
| Securities gains (losses) | $40,000 | 1,658 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $8,000 | 6,344 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $8,000 | 6,346 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $8,000 | 6,346 |
| Net charge-offs | $282,000 | 1,751 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-32,000 | 6,386 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $822,000 | 5,171 |
| Total interest expense | $144,000 | 4,401 |
| Net interest income | $678,000 | 5,226 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $115,000 | 4,623 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $40,000 | 4,477 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $75,000 | 4,190 |
| Total noninterest expense | $820,000 | 4,478 |
| Salaries and employee benefits | $347,000 | 5,039 |
| Premises and equipment expense | $110,000 | 4,105 |
| Additional noninterest expense | $363,000 | 3,757 |
| Pre-tax net operating income | $-27,000 | 6,470 |
| Securities gains (losses) | $18,000 | 1,302 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-9,000 | 6,462 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-9,000 | 6,463 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-9,000 | 6,463 |
| Net charge-offs | $188,000 | 1,412 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-27,000 | 6,476 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 5,123 |
| Total interest expense | $774,000 | 4,189 |
| Net interest income | $2,817,000 | 5,249 |
| Provision for loan and lease losses | $236,000 | 3,729 |
| Total noninterest income | $437,000 | 4,698 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $185,000 | 4,411 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $252,000 | 4,300 |
| Total noninterest expense | $3,289,000 | 4,522 |
| Salaries and employee benefits | $1,331,000 | 5,166 |
| Premises and equipment expense | $491,000 | 3,865 |
| Additional noninterest expense | $1,467,000 | 3,846 |
| Pre-tax net operating income | $-271,000 | 6,394 |
| Securities gains (losses) | $338,000 | 1,255 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $67,000 | 6,147 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $67,000 | 6,141 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $67,000 | 6,143 |
| Net charge-offs | $4,000 | 5,797 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-271,000 | 6,415 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,739,000 | 5,177 |
| Total interest expense | $620,000 | 4,166 |
| Net interest income | $2,119,000 | 5,314 |
| Provision for loan and lease losses | $236,000 | 3,287 |
| Total noninterest income | $326,000 | 4,741 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $130,000 | 4,578 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $196,000 | 4,282 |
| Total noninterest expense | $2,411,000 | 4,606 |
| Salaries and employee benefits | $996,000 | 5,183 |
| Premises and equipment expense | $375,000 | 3,860 |
| Additional noninterest expense | $1,040,000 | 4,008 |
| Pre-tax net operating income | $-202,000 | 6,520 |
| Securities gains (losses) | $236,000 | 1,308 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $34,000 | 6,324 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $34,000 | 6,322 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $34,000 | 6,323 |
| Net charge-offs | $92,000 | 4,049 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-202,000 | 6,541 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,812,000 | 5,218 |
| Total interest expense | $454,000 | 4,053 |
| Net interest income | $1,358,000 | 5,420 |
| Provision for loan and lease losses | $236,000 | 2,784 |
| Total noninterest income | $214,000 | 4,777 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $77,000 | 4,795 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $137,000 | 4,209 |
| Total noninterest expense | $1,574,000 | 4,674 |
| Salaries and employee benefits | $662,000 | 5,219 |
| Premises and equipment expense | $243,000 | 3,940 |
| Additional noninterest expense | $669,000 | 4,113 |
| Pre-tax net operating income | $-238,000 | 6,654 |
| Securities gains (losses) | $236,000 | 1,003 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-2,000 | 6,459 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,000 | 6,459 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-2,000 | 6,459 |
| Net charge-offs | $157,000 | 2,996 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-238,000 | 6,673 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $902,000 | 5,269 |
| Total interest expense | $237,000 | 4,056 |
| Net interest income | $665,000 | 5,498 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $85,000 | 5,174 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $37,000 | 4,857 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $48,000 | 4,785 |
| Total noninterest expense | $774,000 | 4,752 |
| Salaries and employee benefits | $335,000 | 5,227 |
| Premises and equipment expense | $117,000 | 4,039 |
| Additional noninterest expense | $322,000 | 4,194 |
| Pre-tax net operating income | $-24,000 | 6,545 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-24,000 | 6,641 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-24,000 | 6,641 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-24,000 | 6,641 |
| Net charge-offs | $-5,000 | 6,379 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-24,000 | 6,554 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,984,000 | 5,162 |
| Total interest expense | $1,016,000 | 4,360 |
| Net interest income | $2,968,000 | 5,290 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $322,000 | 5,096 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $186,000 | 4,515 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $136,000 | 4,968 |
| Total noninterest expense | $3,756,000 | 4,294 |
| Salaries and employee benefits | $1,437,000 | 5,073 |
| Premises and equipment expense | $526,000 | 3,899 |
| Additional noninterest expense | $1,793,000 | 3,410 |
| Pre-tax net operating income | $-466,000 | 6,390 |
| Securities gains (losses) | $487,000 | 805 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $21,000 | 6,106 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $21,000 | 6,108 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $21,000 | 6,108 |
| Net charge-offs | $193,000 | 4,329 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-466,000 | 6,424 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,959,000 | 5,235 |
| Total interest expense | $775,000 | 4,439 |
| Net interest income | $2,184,000 | 5,371 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $260,000 | 5,052 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $129,000 | 4,664 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $131,000 | 4,736 |
| Total noninterest expense | $2,724,000 | 4,391 |
| Salaries and employee benefits | $1,091,000 | 5,034 |
| Premises and equipment expense | $389,000 | 3,987 |
| Additional noninterest expense | $1,244,000 | 3,590 |
| Pre-tax net operating income | $-280,000 | 6,452 |
| Securities gains (losses) | $269,000 | 986 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-11,000 | 6,272 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-11,000 | 6,274 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-11,000 | 6,274 |
| Net charge-offs | $149,000 | 4,028 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-280,000 | 6,508 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,005,000 | 5,237 |
| Total interest expense | $536,000 | 4,466 |
| Net interest income | $1,469,000 | 5,388 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $175,000 | 5,061 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $88,000 | 4,617 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 4,760 |
| Total noninterest expense | $1,866,000 | 4,354 |
| Salaries and employee benefits | $737,000 | 5,042 |
| Premises and equipment expense | $258,000 | 4,033 |
| Additional noninterest expense | $871,000 | 3,534 |
| Pre-tax net operating income | $-222,000 | 6,573 |
| Securities gains (losses) | $269,000 | 588 |
| Applicable income taxes | $-36,000 | 6,993 |
| Income before extraordinary items | $83,000 | 5,810 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $83,000 | 5,809 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $83,000 | 5,810 |
| Net charge-offs | $59,000 | 4,321 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-186,000 | 6,578 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,021,000 | 5,218 |
| Total interest expense | $277,000 | 4,509 |
| Net interest income | $744,000 | 5,367 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $110,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $40,000 | 4,752 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $70,000 | 4,124 |
| Total noninterest expense | $872,000 | 4,563 |
| Salaries and employee benefits | $373,000 | 5,049 |
| Premises and equipment expense | $134,000 | 3,992 |
| Additional noninterest expense | $365,000 | 3,971 |
| Pre-tax net operating income | $-18,000 | 6,437 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-18,000 | 6,475 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-18,000 | 6,475 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-18,000 | 6,475 |
| Net charge-offs | $-84,000 | 7,427 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-18,000 | 6,458 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,266,000 | 5,250 |
| Total interest expense | $1,303,000 | 4,602 |
| Net interest income | $2,963,000 | 5,387 |
| Provision for loan and lease losses | $962,000 | 3,121 |
| Total noninterest income | $-42,000 | 7,343 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $247,000 | 4,029 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-289,000 | 7,333 |
| Total noninterest expense | $4,291,000 | 4,022 |
| Salaries and employee benefits | $1,569,000 | 4,934 |
| Premises and equipment expense | $598,000 | 3,729 |
| Additional noninterest expense | $2,124,000 | 3,095 |
| Pre-tax net operating income | $-2,332,000 | 6,830 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-838,000 | 7,281 |
| Income before extraordinary items | $-1,494,000 | 6,741 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,494,000 | 6,741 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,494,000 | 6,742 |
| Net charge-offs | $831,000 | 2,944 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,494,000 | 6,716 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,255,000 | 5,293 |
| Total interest expense | $1,002,000 | 4,697 |
| Net interest income | $2,253,000 | 5,423 |
| Provision for loan and lease losses | $714,000 | 3,011 |
| Total noninterest income | $190,000 | 5,760 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $201,000 | 3,937 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-11,000 | 7,225 |
| Total noninterest expense | $3,064,000 | 4,161 |
| Salaries and employee benefits | $1,198,000 | 4,920 |
| Premises and equipment expense | $441,000 | 3,830 |
| Additional noninterest expense | $1,425,000 | 3,375 |
| Pre-tax net operating income | $-1,335,000 | 6,891 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-473,000 | 7,359 |
| Income before extraordinary items | $-862,000 | 6,845 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-862,000 | 6,845 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-862,000 | 6,845 |
| Net charge-offs | $459,000 | 3,192 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-862,000 | 6,794 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,161,000 | 5,344 |
| Total interest expense | $691,000 | 4,718 |
| Net interest income | $1,470,000 | 5,492 |
| Provision for loan and lease losses | $401,000 | 3,173 |
| Total noninterest income | $102,000 | 6,034 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $147,000 | 3,727 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-45,000 | 7,442 |
| Total noninterest expense | $2,072,000 | 4,127 |
| Salaries and employee benefits | $799,000 | 4,929 |
| Premises and equipment expense | $300,000 | 3,794 |
| Additional noninterest expense | $973,000 | 3,271 |
| Pre-tax net operating income | $-901,000 | 6,961 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-314,000 | 7,404 |
| Income before extraordinary items | $-587,000 | 6,916 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-587,000 | 6,916 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-587,000 | 6,916 |
| Net charge-offs | $299,000 | 3,050 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-587,000 | 6,878 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,067,000 | 5,442 |
| Total interest expense | $356,000 | 4,774 |
| Net interest income | $711,000 | 5,613 |
| Provision for loan and lease losses | $82,000 | 4,224 |
| Total noninterest income | $109,000 | 4,901 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $80,000 | 3,585 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $29,000 | 5,481 |
| Total noninterest expense | $1,143,000 | 3,895 |
| Salaries and employee benefits | $407,000 | 4,949 |
| Premises and equipment expense | $143,000 | 3,999 |
| Additional noninterest expense | $593,000 | 2,731 |
| Pre-tax net operating income | $-405,000 | 7,103 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-149,000 | 7,513 |
| Income before extraordinary items | $-256,000 | 7,020 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-256,000 | 7,021 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-256,000 | 7,020 |
| Net charge-offs | $150,000 | 2,719 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-256,000 | 6,983 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,463,000 | 5,446 |
| Total interest expense | $1,850,000 | 4,676 |
| Net interest income | $2,613,000 | 5,726 |
| Provision for loan and lease losses | $3,475,000 | 1,797 |
| Total noninterest income | $1,515,000 | 2,536 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $356,000 | 3,555 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,159,000 | 1,960 |
| Total noninterest expense | $3,675,000 | 4,577 |
| Salaries and employee benefits | $1,590,000 | 5,027 |
| Premises and equipment expense | $519,000 | 4,274 |
| Additional noninterest expense | $1,566,000 | 3,971 |
| Pre-tax net operating income | $-3,022,000 | 6,897 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-952,000 | 7,262 |
| Income before extraordinary items | $-2,070,000 | 6,778 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,070,000 | 6,775 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,070,000 | 6,776 |
| Net charge-offs | $3,169,000 | 1,546 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,070,000 | 6,771 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,181,000 | 5,631 |
| Total interest expense | $1,434,000 | 4,727 |
| Net interest income | $1,747,000 | 6,034 |
| Provision for loan and lease losses | $1,457,000 | 2,260 |
| Total noninterest income | $358,000 | 4,869 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $266,000 | 3,571 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $92,000 | 5,504 |
| Total noninterest expense | $2,704,000 | 4,636 |
| Salaries and employee benefits | $1,198,000 | 5,047 |
| Premises and equipment expense | $409,000 | 4,191 |
| Additional noninterest expense | $1,097,000 | 4,126 |
| Pre-tax net operating income | $-2,056,000 | 7,059 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-635,000 | 7,409 |
| Income before extraordinary items | $-1,421,000 | 6,971 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,421,000 | 6,971 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,421,000 | 6,972 |
| Net charge-offs | $1,090,000 | 2,109 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,421,000 | 6,947 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,073,000 | 5,743 |
| Total interest expense | $986,000 | 4,762 |
| Net interest income | $1,087,000 | 6,203 |
| Provision for loan and lease losses | $541,000 | 2,868 |
| Total noninterest income | $234,000 | 4,936 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $171,000 | 3,620 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $63,000 | 5,502 |
| Total noninterest expense | $1,756,000 | 4,762 |
| Salaries and employee benefits | $800,000 | 5,097 |
| Premises and equipment expense | $224,000 | 4,754 |
| Additional noninterest expense | $732,000 | 4,143 |
| Pre-tax net operating income | $-976,000 | 7,012 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-334,000 | 7,451 |
| Income before extraordinary items | $-642,000 | 6,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-642,000 | 6,897 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-642,000 | 6,897 |
| Net charge-offs | $590,000 | 2,149 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-642,000 | 6,883 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 5,794 |
| Total interest expense | $516,000 | 4,757 |
| Net interest income | $514,000 | 6,348 |
| Provision for loan and lease losses | $230,000 | 2,661 |
| Total noninterest income | $109,000 | 5,061 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $83,000 | 3,630 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $26,000 | 5,845 |
| Total noninterest expense | $799,000 | 4,954 |
| Salaries and employee benefits | $384,000 | 5,270 |
| Premises and equipment expense | $108,000 | 4,900 |
| Additional noninterest expense | $307,000 | 4,346 |
| Pre-tax net operating income | $-406,000 | 7,209 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-137,000 | 7,625 |
| Income before extraordinary items | $-269,000 | 7,149 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-269,000 | 7,149 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-269,000 | 7,150 |
| Net charge-offs | $110,000 | 2,761 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-269,000 | 7,092 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,616,000 | 5,127 |
| Total interest expense | $2,185,000 | 5,089 |
| Net interest income | $3,431,000 | 5,034 |
| Provision for loan and lease losses | $456,000 | 3,942 |
| Total noninterest income | $420,000 | 5,188 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $299,000 | 4,018 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $121,000 | 5,664 |
| Total noninterest expense | $3,289,000 | 4,829 |
| Salaries and employee benefits | $1,569,000 | 5,202 |
| Premises and equipment expense | $456,000 | 4,720 |
| Additional noninterest expense | $1,264,000 | 4,115 |
| Pre-tax net operating income | $106,000 | 6,001 |
| Securities gains (losses) | $21,000 | 2,144 |
| Applicable income taxes | $88,000 | 3,476 |
| Income before extraordinary items | $39,000 | 6,077 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $39,000 | 6,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 4,057 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $25,560 | 6,268 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,266,000 | 5,171 |
| Total interest expense | $1,643,000 | 5,208 |
| Net interest income | $2,623,000 | 5,022 |
| Provision for loan and lease losses | $202,000 | 4,192 |
| Total noninterest income | $301,000 | 5,364 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $208,000 | 4,172 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $93,000 | 5,748 |
| Total noninterest expense | $2,469,000 | 4,792 |
| Salaries and employee benefits | $1,213,000 | 5,122 |
| Premises and equipment expense | $332,000 | 4,814 |
| Additional noninterest expense | $924,000 | 4,125 |
| Pre-tax net operating income | $253,000 | 5,825 |
| Securities gains (losses) | $20,000 | 2,014 |
| Applicable income taxes | $92,000 | 3,656 |
| Income before extraordinary items | $181,000 | 5,803 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $181,000 | 5,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,791 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $167,800 | 6,030 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,849,000 | 5,234 |
| Total interest expense | $1,112,000 | 5,316 |
| Net interest income | $1,737,000 | 5,036 |
| Provision for loan and lease losses | $123,000 | 3,938 |
| Total noninterest income | $191,000 | 5,524 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $131,000 | 4,305 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $60,000 | 5,860 |
| Total noninterest expense | $1,650,000 | 4,828 |
| Salaries and employee benefits | $825,000 | 5,122 |
| Premises and equipment expense | $218,000 | 4,891 |
| Additional noninterest expense | $607,000 | 4,155 |
| Pre-tax net operating income | $155,000 | 6,087 |
| Securities gains (losses) | $21,000 | 2,006 |
| Applicable income taxes | $60,000 | 3,909 |
| Income before extraordinary items | $116,000 | 6,236 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $116,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,674 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $102,140 | 6,263 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,410,000 | 5,372 |
| Total interest expense | $582,000 | 5,374 |
| Net interest income | $828,000 | 5,203 |
| Provision for loan and lease losses | $40,000 | 4,096 |
| Total noninterest income | $95,000 | 5,538 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $67,000 | 4,239 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,994 |
| Total noninterest expense | $825,000 | 4,836 |
| Salaries and employee benefits | $410,000 | 5,159 |
| Premises and equipment expense | $98,000 | 5,215 |
| Additional noninterest expense | $317,000 | 3,957 |
| Pre-tax net operating income | $58,000 | 6,508 |
| Securities gains (losses) | $21,000 | 1,562 |
| Applicable income taxes | $27,000 | 4,129 |
| Income before extraordinary items | $52,000 | 6,557 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $52,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $38,140 | 6,657 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,631,000 | 5,410 |
| Total interest expense | $2,063,000 | 5,772 |
| Net interest income | $3,568,000 | 4,967 |
| Provision for loan and lease losses | $142,000 | 4,409 |
| Total noninterest income | $582,000 | 4,707 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $286,000 | 4,175 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $296,000 | 4,269 |
| Total noninterest expense | $3,186,000 | 4,822 |
| Salaries and employee benefits | $1,628,000 | 5,043 |
| Premises and equipment expense | $420,000 | 4,874 |
| Additional noninterest expense | $1,138,000 | 4,224 |
| Pre-tax net operating income | $822,000 | 5,127 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $277,000 | 3,477 |
| Income before extraordinary items | $545,000 | 5,526 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $545,000 | 5,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,430 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $545,000 | 5,512 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,160,000 | 5,466 |
| Total interest expense | $1,486,000 | 5,886 |
| Net interest income | $2,674,000 | 5,003 |
| Provision for loan and lease losses | $111,000 | 3,958 |
| Total noninterest income | $477,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $212,000 | 4,222 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $265,000 | 3,979 |
| Total noninterest expense | $2,330,000 | 4,875 |
| Salaries and employee benefits | $1,208,000 | 5,076 |
| Premises and equipment expense | $311,000 | 4,903 |
| Additional noninterest expense | $811,000 | 4,325 |
| Pre-tax net operating income | $710,000 | 5,086 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $238,000 | 3,479 |
| Income before extraordinary items | $472,000 | 5,496 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $472,000 | 5,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,530 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $472,000 | 5,480 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,631,000 | 5,636 |
| Total interest expense | $945,000 | 6,000 |
| Net interest income | $1,686,000 | 5,203 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $198,000 | 5,595 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $141,000 | 4,215 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $57,000 | 6,076 |
| Total noninterest expense | $1,469,000 | 5,078 |
| Salaries and employee benefits | $750,000 | 5,336 |
| Premises and equipment expense | $192,000 | 5,156 |
| Additional noninterest expense | $527,000 | 4,430 |
| Pre-tax net operating income | $355,000 | 5,741 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $121,000 | 3,911 |
| Income before extraordinary items | $234,000 | 6,127 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $234,000 | 6,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,747 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $234,000 | 6,117 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,251,000 | 5,779 |
| Total interest expense | $463,000 | 6,031 |
| Net interest income | $788,000 | 5,431 |
| Provision for loan and lease losses | $14,000 | 4,851 |
| Total noninterest income | $94,000 | 5,668 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $66,000 | 4,317 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $743,000 | 5,048 |
| Salaries and employee benefits | $391,000 | 5,243 |
| Premises and equipment expense | $86,000 | 5,493 |
| Additional noninterest expense | $266,000 | 4,336 |
| Pre-tax net operating income | $125,000 | 6,357 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $42,000 | 4,302 |
| Income before extraordinary items | $83,000 | 6,659 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $83,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $83,000 | 6,651 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 5,732 |
| Total interest expense | $1,494,000 | 6,123 |
| Net interest income | $3,192,000 | 5,336 |
| Provision for loan and lease losses | $173,000 | 3,837 |
| Total noninterest income | $402,000 | 5,594 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $255,000 | 4,448 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $147,000 | 5,655 |
| Total noninterest expense | $2,612,000 | 5,341 |
| Salaries and employee benefits | $1,388,000 | 5,434 |
| Premises and equipment expense | $324,000 | 5,541 |
| Additional noninterest expense | $900,000 | 4,858 |
| Pre-tax net operating income | $809,000 | 5,632 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $276,000 | 3,915 |
| Income before extraordinary items | $533,000 | 6,039 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $533,000 | 6,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,672 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $533,000 | 6,039 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,460,000 | 5,771 |
| Total interest expense | $1,062,000 | 6,196 |
| Net interest income | $2,398,000 | 5,377 |
| Provision for loan and lease losses | $173,000 | 3,171 |
| Total noninterest income | $274,000 | 5,812 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $187,000 | 4,534 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 6,082 |
| Total noninterest expense | $1,908,000 | 5,414 |
| Salaries and employee benefits | $1,022,000 | 5,487 |
| Premises and equipment expense | $247,000 | 5,515 |
| Additional noninterest expense | $639,000 | 5,013 |
| Pre-tax net operating income | $591,000 | 5,896 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $199,000 | 4,137 |
| Income before extraordinary items | $392,000 | 6,274 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $392,000 | 6,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $392,000 | 6,273 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,243,000 | 5,826 |
| Total interest expense | $658,000 | 6,270 |
| Net interest income | $1,585,000 | 5,430 |
| Provision for loan and lease losses | $157,000 | 2,511 |
| Total noninterest income | $175,000 | 5,920 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $119,000 | 4,620 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,195 |
| Total noninterest expense | $1,232,000 | 5,519 |
| Salaries and employee benefits | $657,000 | 5,625 |
| Premises and equipment expense | $157,000 | 5,662 |
| Additional noninterest expense | $418,000 | 5,055 |
| Pre-tax net operating income | $371,000 | 6,037 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $126,000 | 4,242 |
| Income before extraordinary items | $245,000 | 6,411 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $245,000 | 6,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,252 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $245,000 | 6,418 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,078,000 | 5,898 |
| Total interest expense | $315,000 | 6,288 |
| Net interest income | $763,000 | 5,556 |
| Provision for loan and lease losses | $111,000 | 1,856 |
| Total noninterest income | $79,000 | 6,100 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,300 |
| Total noninterest expense | $615,000 | 5,541 |
| Salaries and employee benefits | $329,000 | 5,652 |
| Premises and equipment expense | $81,000 | 5,603 |
| Additional noninterest expense | $205,000 | 5,106 |
| Pre-tax net operating income | $116,000 | 6,862 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $39,000 | 4,751 |
| Income before extraordinary items | $77,000 | 7,081 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $77,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,212 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $77,000 | 7,088 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,964,000 | 6,617 |
| Total interest expense | $710,000 | 7,017 |
| Net interest income | $2,254,000 | 6,312 |
| Provision for loan and lease losses | $118,000 | 4,603 |
| Total noninterest income | $298,000 | 6,338 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $216,000 | 4,877 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $82,000 | 6,710 |
| Total noninterest expense | $2,083,000 | 5,977 |
| Salaries and employee benefits | $1,035,000 | 6,247 |
| Premises and equipment expense | $289,000 | 5,831 |
| Additional noninterest expense | $759,000 | 5,336 |
| Pre-tax net operating income | $351,000 | 7,222 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $119,000 | 5,219 |
| Income before extraordinary items | $232,000 | 7,455 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $232,000 | 7,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,251 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $232,000 | 7,431 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,022,000 | 6,841 |
| Total interest expense | $462,000 | 7,233 |
| Net interest income | $1,560,000 | 6,574 |
| Provision for loan and lease losses | $82,000 | 4,582 |
| Total noninterest income | $232,000 | 6,290 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $170,000 | 4,817 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,714 |
| Total noninterest expense | $1,505,000 | 6,069 |
| Salaries and employee benefits | $709,000 | 6,504 |
| Premises and equipment expense | $219,000 | 5,809 |
| Additional noninterest expense | $577,000 | 5,238 |
| Pre-tax net operating income | $205,000 | 7,606 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $55,000 | 5,729 |
| Income before extraordinary items | $150,000 | 7,710 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $150,000 | 7,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,948 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $150,000 | 7,674 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 6,998 |
| Total interest expense | $266,000 | 7,401 |
| Net interest income | $978,000 | 6,713 |
| Provision for loan and lease losses | $54,000 | 4,449 |
| Total noninterest income | $137,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $95,000 | 5,143 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $42,000 | 6,689 |
| Total noninterest expense | $955,000 | 6,231 |
| Salaries and employee benefits | $439,000 | 6,707 |
| Premises and equipment expense | $146,000 | 5,777 |
| Additional noninterest expense | $370,000 | 5,351 |
| Pre-tax net operating income | $106,000 | 7,818 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $36,000 | 5,754 |
| Income before extraordinary items | $70,000 | 7,958 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $70,000 | 7,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $70,000 | 7,921 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $545,000 | 7,313 |
| Total interest expense | $122,000 | 7,539 |
| Net interest income | $423,000 | 7,128 |
| Provision for loan and lease losses | $1,000 | 6,172 |
| Total noninterest income | $66,000 | 6,549 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $44,000 | 5,270 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,697 |
| Total noninterest expense | $454,000 | 6,402 |
| Salaries and employee benefits | $214,000 | 6,822 |
| Premises and equipment expense | $68,000 | 6,037 |
| Additional noninterest expense | $172,000 | 5,558 |
| Pre-tax net operating income | $34,000 | 8,103 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $11,000 | 6,040 |
| Income before extraordinary items | $23,000 | 8,206 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $23,000 | 8,206 |
| 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 | $23,000 | 8,179 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,811,000 | 7,569 |
| Total interest expense | $386,000 | 7,744 |
| Net interest income | $1,425,000 | 7,423 |
| Provision for loan and lease losses | $-79,000 | 8,772 |
| Total noninterest income | $251,000 | 6,774 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $195,000 | 5,277 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $56,000 | 7,268 |
| Total noninterest expense | $1,644,000 | 6,634 |
| Salaries and employee benefits | $746,000 | 7,133 |
| Premises and equipment expense | $274,000 | 5,947 |
| Additional noninterest expense | $624,000 | 5,856 |
| Pre-tax net operating income | $111,000 | 8,075 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $39,000 | 6,193 |
| Income before extraordinary items | $72,000 | 8,202 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $72,000 | 8,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-86,000 | 8,769 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 517 |
| Net operating income | $72,000 | 8,162 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,306,000 | 7,683 |
| Total interest expense | $269,000 | 7,878 |
| Net interest income | $1,037,000 | 7,498 |
| Provision for loan and lease losses | $27,000 | 6,080 |
| Total noninterest income | $191,000 | 6,765 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $150,000 | 5,268 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 7,315 |
| Total noninterest expense | $1,172,000 | 6,741 |
| Salaries and employee benefits | $525,000 | 7,233 |
| Premises and equipment expense | $197,000 | 6,027 |
| Additional noninterest expense | $450,000 | 5,937 |
| Pre-tax net operating income | $29,000 | 8,372 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $10,000 | 6,779 |
| Income before extraordinary items | $19,000 | 8,443 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $19,000 | 8,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 400 |
| Net operating income | $19,000 | 8,401 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $877,000 | 7,710 |
| Total interest expense | $160,000 | 8,104 |
| Net interest income | $717,000 | 7,458 |
| Provision for loan and lease losses | $26,000 | 5,598 |
| Total noninterest income | $116,000 | 6,962 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $92,000 | 5,442 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,531 |
| Total noninterest expense | $751,000 | 6,890 |
| Salaries and employee benefits | $341,000 | 7,364 |
| Premises and equipment expense | $129,000 | 6,121 |
| Additional noninterest expense | $281,000 | 6,175 |
| Pre-tax net operating income | $56,000 | 8,214 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $19,000 | 6,311 |
| Income before extraordinary items | $37,000 | 8,339 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $37,000 | 8,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,344 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 302 |
| Net operating income | $37,000 | 8,275 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $400,000 | 7,903 |
| Total interest expense | $77,000 | 8,233 |
| Net interest income | $323,000 | 7,709 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $56,000 | 7,006 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $47,000 | 5,338 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,000 | 7,855 |
| Total noninterest expense | $358,000 | 7,058 |
| Salaries and employee benefits | $167,000 | 7,452 |
| Premises and equipment expense | $63,000 | 6,196 |
| Additional noninterest expense | $128,000 | 6,476 |
| Pre-tax net operating income | $12,000 | 8,407 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $7,000 | 6,445 |
| Income before extraordinary items | $5,000 | 8,530 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $5,000 | 8,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 205 |
| Net operating income | $5,000 | 8,472 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,378,000 | 8,194 |
| Total interest expense | $324,000 | 8,383 |
| Net interest income | $1,054,000 | 8,030 |
| Provision for loan and lease losses | $216,000 | 3,884 |
| Total noninterest income | $214,000 | 7,226 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $177,000 | 5,528 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $37,000 | 7,907 |
| Total noninterest expense | $1,483,000 | 6,915 |
| Salaries and employee benefits | $656,000 | 7,478 |
| Premises and equipment expense | $259,000 | 6,074 |
| Additional noninterest expense | $568,000 | 6,159 |
| Pre-tax net operating income | $-431,000 | 8,793 |
| Securities gains (losses) | $58,000 | 2,371 |
| Applicable income taxes | $-135,000 | 8,974 |
| Income before extraordinary items | $-238,000 | 8,798 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-238,000 | 8,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,452 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-275,120 | 8,746 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,014,000 | 8,315 |
| Total interest expense | $262,000 | 8,423 |
| Net interest income | $752,000 | 8,164 |
| Provision for loan and lease losses | $202,000 | 3,320 |
| Total noninterest income | $157,000 | 7,311 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $128,000 | 5,647 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $29,000 | 7,883 |
| Total noninterest expense | $1,057,000 | 7,061 |
| Salaries and employee benefits | $474,000 | 7,523 |
| Premises and equipment expense | $187,000 | 6,172 |
| Additional noninterest expense | $396,000 | 6,366 |
| Pre-tax net operating income | $-350,000 | 8,896 |
| Securities gains (losses) | $59,000 | 2,177 |
| Applicable income taxes | $-107,000 | 9,073 |
| Income before extraordinary items | $-184,000 | 8,890 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-184,000 | 8,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 1,894 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-221,760 | 8,847 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $678,000 | 8,373 |
| Total interest expense | $198,000 | 8,348 |
| Net interest income | $480,000 | 8,265 |
| Provision for loan and lease losses | $196,000 | 2,553 |
| Total noninterest income | $159,000 | 6,507 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $84,000 | 5,654 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $75,000 | 5,841 |
| Total noninterest expense | $715,000 | 7,033 |
| Salaries and employee benefits | $317,000 | 7,543 |
| Premises and equipment expense | $135,000 | 5,967 |
| Additional noninterest expense | $263,000 | 6,381 |
| Pre-tax net operating income | $-272,000 | 8,971 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-101,000 | 9,138 |
| Income before extraordinary items | $-171,000 | 8,988 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-171,000 | 8,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 1,479 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-171,000 | 8,912 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $343,000 | 8,421 |
| Total interest expense | $100,000 | 8,430 |
| Net interest income | $243,000 | 8,287 |
| Provision for loan and lease losses | $11,000 | 6,010 |
| Total noninterest income | $41,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $362,000 | 7,033 |
| Salaries and employee benefits | $164,000 | 7,494 |
| Premises and equipment expense | $64,000 | 6,109 |
| Additional noninterest expense | $134,000 | 6,334 |
| Pre-tax net operating income | $-89,000 | 8,964 |
| Securities gains (losses) | $59,000 | 1,296 |
| Applicable income taxes | $-10,000 | 9,073 |
| Income before extraordinary items | $-20,000 | 8,876 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-20,000 | 8,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-59,530 | 8,890 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,510,000 | 8,367 |
| Total interest expense | $551,000 | 8,240 |
| Net interest income | $959,000 | 8,325 |
| Provision for loan and lease losses | $123,000 | 5,298 |
| Total noninterest income | $148,000 | 7,847 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $106,000 | 6,474 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $42,000 | 7,814 |
| Total noninterest expense | $1,324,000 | 7,192 |
| Salaries and employee benefits | $651,000 | 7,499 |
| Premises and equipment expense | $249,000 | 6,167 |
| Additional noninterest expense | $424,000 | 6,987 |
| Pre-tax net operating income | $-340,000 | 8,910 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $-112,000 | 9,073 |
| Income before extraordinary items | $-222,000 | 8,916 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-222,000 | 8,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,640 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-225,960 | 8,863 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,621,000 | 8,613 |
| Total interest expense | $861,000 | 8,306 |
| Net interest income | $760,000 | 8,742 |
| Provision for loan and lease losses | $175,000 | 4,458 |
| Total noninterest income | $117,000 | 8,275 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $92,000 | 6,725 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $25,000 | 8,525 |
| Total noninterest expense | $1,285,000 | 7,253 |
| Salaries and employee benefits | $560,000 | 7,855 |
| Premises and equipment expense | $235,000 | 6,282 |
| Additional noninterest expense | $490,000 | 6,503 |
| Pre-tax net operating income | $-583,000 | 9,203 |
| Securities gains (losses) | $7,000 | 3,779 |
| Applicable income taxes | $-117,000 | 9,290 |
| Income before extraordinary items | $-459,000 | 9,217 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-459,000 | 9,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,614 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-464,600 | 9,180 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $840,000 | 9,511 |
| Total interest expense | $392,000 | 9,430 |
| Net interest income | $448,000 | 9,525 |
| Provision for loan and lease losses | $52,000 | 6,478 |
| Total noninterest income | $68,000 | 9,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 9,721 |
| Total noninterest expense | $1,266,000 | 7,335 |
| Salaries and employee benefits | $531,000 | 8,087 |
| Premises and equipment expense | $294,000 | 5,492 |
| Additional noninterest expense | $441,000 | 6,839 |
| Pre-tax net operating income | $-802,000 | 9,665 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $-271,000 | 9,732 |
| Income before extraordinary items | $-526,000 | 9,581 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-526,000 | 9,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-529,300 | 9,581 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $97,000 | 10,183 |
| Total interest expense | $20,000 | 10,155 |
| Net interest income | $77,000 | 10,177 |
| Provision for loan and lease losses | $18,000 | 7,756 |
| Total noninterest income | $7,000 | 10,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 10,068 |
| Total noninterest expense | $523,000 | 9,568 |
| Salaries and employee benefits | $165,000 | 10,011 |
| Premises and equipment expense | $73,000 | 9,164 |
| Additional noninterest expense | $285,000 | 8,244 |
| Pre-tax net operating income | $-457,000 | 9,818 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-151,000 | 9,984 |
| Income before extraordinary items | $-306,000 | 9,767 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-306,000 | 9,766 |
| 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 | $4,000,000 | 298 |
| Net operating income | $-306,000 | 9,749 |
* 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.