Home > Bay Bank, FSB > Income and Expense
Bay Bank, FSB, Income and Expense
| 2018-03-31 (YTD Data) | Rank | |
| Total interest income | $7,350,000 | 1,004 |
| Total interest expense | $657,000 | 1,380 |
| Net interest income | $6,693,000 | 961 |
| Provision for loan and lease losses | $300,000 | 673 |
| Total noninterest income | $981,000 | 1,285 |
| Gross Fiduciary activities income | $0 | 1,003 |
| Service charges on deposit accounts | $110,000 | 2,179 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $871,000 | 1,020 |
| Total noninterest expense | $5,323,000 | 1,021 |
| Salaries and employee benefits | $3,281,000 | 947 |
| Premises and equipment expense | $576,000 | 1,056 |
| Additional noninterest expense | $1,466,000 | 1,098 |
| Pre-tax net operating income | $2,051,000 | 1,171 |
| Securities gains (losses) | $0 | 735 |
| Applicable income taxes | $586,000 | 768 |
| Income before extraordinary items | $1,465,000 | 1,348 |
| Extraordinary gains, net | $0 | 7 |
| Net income | $1,465,000 | 1,348 |
| Minority interest net income | $0 | 52 |
| Net income of bank and minority interests. | $1,465,000 | 1,348 |
| Net charge-offs | $65,000 | 1,052 |
| Cash dividends | $0 | 2,774 |
| Sale, conversion, retirement of capital stock, net | $196,000 | 196 |
| Net operating income | $1,465,000 | 1,341 |
| 2017-12-31 (YTD Data) | Rank | |
| Total interest income | $27,887,000 | 1,024 |
| Total interest expense | $2,340,000 | 1,358 |
| Net interest income | $25,547,000 | 990 |
| Provision for loan and lease losses | $1,657,000 | 597 |
| Total noninterest income | $6,498,000 | 917 |
| Gross Fiduciary activities income | $0 | 1,137 |
| Service charges on deposit accounts | $337,000 | 2,651 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,161,000 | 718 |
| Total noninterest expense | $20,963,000 | 1,018 |
| Salaries and employee benefits | $12,353,000 | 968 |
| Premises and equipment expense | $2,387,000 | 999 |
| Additional noninterest expense | $6,223,000 | 1,038 |
| Pre-tax net operating income | $9,425,000 | 1,028 |
| Securities gains (losses) | $1,000 | 2,108 |
| Applicable income taxes | $4,199,000 | 750 |
| Income before extraordinary items | $5,227,000 | 1,303 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $5,227,000 | 1,303 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $5,227,000 | 1,303 |
| Net charge-offs | $324,000 | 1,416 |
| Cash dividends | $0 | 4,147 |
| Sale, conversion, retirement of capital stock, net | $263,000 | 367 |
| Net operating income | $5,226,360 | 1,291 |
| 2017-09-30 (YTD Data) | Rank | |
| Total interest income | $20,494,000 | 1,046 |
| Total interest expense | $1,696,000 | 1,377 |
| Net interest income | $18,798,000 | 1,005 |
| Provision for loan and lease losses | $1,277,000 | 571 |
| Total noninterest income | $5,311,000 | 888 |
| Gross Fiduciary activities income | $0 | 1,093 |
| Service charges on deposit accounts | $239,000 | 2,779 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,072,000 | 689 |
| Total noninterest expense | $15,407,000 | 1,036 |
| Salaries and employee benefits | $8,944,000 | 1,004 |
| Premises and equipment expense | $1,840,000 | 980 |
| Additional noninterest expense | $4,623,000 | 1,048 |
| Pre-tax net operating income | $7,425,000 | 1,016 |
| Securities gains (losses) | $1,000 | 2,145 |
| Applicable income taxes | $2,878,000 | 711 |
| Income before extraordinary items | $4,548,000 | 1,246 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $4,548,000 | 1,246 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $4,548,000 | 1,246 |
| Net charge-offs | $50,000 | 2,467 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $195,000 | 348 |
| Net operating income | $4,547,360 | 1,229 |
| 2017-06-30 (YTD Data) | Rank | |
| Total interest income | $13,254,000 | 1,062 |
| Total interest expense | $1,069,000 | 1,408 |
| Net interest income | $12,185,000 | 1,022 |
| Provision for loan and lease losses | $963,000 | 514 |
| Total noninterest income | $2,676,000 | 1,084 |
| Gross Fiduciary activities income | $0 | 1,079 |
| Service charges on deposit accounts | $142,000 | 2,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,534,000 | 826 |
| Total noninterest expense | $10,272,000 | 1,047 |
| Salaries and employee benefits | $5,813,000 | 1,032 |
| Premises and equipment expense | $1,257,000 | 962 |
| Additional noninterest expense | $3,202,000 | 1,008 |
| Pre-tax net operating income | $3,626,000 | 1,283 |
| Securities gains (losses) | $6,000 | 1,397 |
| Applicable income taxes | $1,373,000 | 896 |
| Income before extraordinary items | $2,259,000 | 1,540 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $2,259,000 | 1,539 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $2,259,000 | 1,540 |
| Net charge-offs | $178,000 | 1,129 |
| Cash dividends | $0 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 324 |
| Net operating income | $2,255,160 | 1,530 |
| 2017-03-31 (YTD Data) | Rank | |
| Total interest income | $6,356,000 | 1,090 |
| Total interest expense | $516,000 | 1,423 |
| Net interest income | $5,840,000 | 1,061 |
| Provision for loan and lease losses | $441,000 | 498 |
| Total noninterest income | $1,210,000 | 1,149 |
| Gross Fiduciary activities income | $0 | 1,045 |
| Service charges on deposit accounts | $63,000 | 3,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,147,000 | 868 |
| Total noninterest expense | $5,037,000 | 1,068 |
| Salaries and employee benefits | $2,888,000 | 1,053 |
| Premises and equipment expense | $676,000 | 920 |
| Additional noninterest expense | $1,473,000 | 1,082 |
| Pre-tax net operating income | $1,572,000 | 1,392 |
| Securities gains (losses) | $6,000 | 778 |
| Applicable income taxes | $599,000 | 957 |
| Income before extraordinary items | $979,000 | 1,696 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $979,000 | 1,696 |
| Minority interest net income | $0 | 55 |
| Net income of bank and minority interests. | $979,000 | 1,696 |
| Net charge-offs | $104,000 | 914 |
| Cash dividends | $0 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 297 |
| Net operating income | $975,160 | 1,687 |
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $23,028,000 | 1,149 |
| Total interest expense | $1,799,000 | 1,539 |
| Net interest income | $21,229,000 | 1,115 |
| Provision for loan and lease losses | $1,390,000 | 689 |
| Total noninterest income | $8,259,000 | 800 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $279,000 | 3,062 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $7,980,000 | 602 |
| Total noninterest expense | $25,551,000 | 836 |
| Salaries and employee benefits | $13,954,000 | 842 |
| Premises and equipment expense | $3,087,000 | 807 |
| Additional noninterest expense | $8,510,000 | 779 |
| Pre-tax net operating income | $2,547,000 | 2,651 |
| Securities gains (losses) | $681,000 | 331 |
| Applicable income taxes | $1,109,000 | 1,544 |
| Income before extraordinary items | $2,119,000 | 2,695 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,920,000 | 2,864 |
| Minority interest net income | $199,000 | 38 |
| Net income of bank and minority interests. | $2,119,000 | 2,694 |
| Net charge-offs | $340,000 | 1,418 |
| Cash dividends | $0 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 505 |
| Net operating income | $1,669,540 | 3,038 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $16,646,000 | 1,191 |
| Total interest expense | $1,300,000 | 1,593 |
| Net interest income | $15,346,000 | 1,150 |
| Provision for loan and lease losses | $1,016,000 | 677 |
| Total noninterest income | $4,104,000 | 1,077 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $230,000 | 2,917 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $3,874,000 | 816 |
| Total noninterest expense | $17,417,000 | 911 |
| Salaries and employee benefits | $9,477,000 | 941 |
| Premises and equipment expense | $2,331,000 | 807 |
| Additional noninterest expense | $5,609,000 | 885 |
| Pre-tax net operating income | $1,017,000 | 3,698 |
| Securities gains (losses) | $487,000 | 395 |
| Applicable income taxes | $320,000 | 2,445 |
| Income before extraordinary items | $1,184,000 | 3,228 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,184,000 | 3,227 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,184,000 | 3,228 |
| Net charge-offs | $341,000 | 1,046 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 433 |
| Net operating income | $799,270 | 3,791 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $10,366,000 | 1,267 |
| Total interest expense | $727,000 | 1,853 |
| Net interest income | $9,639,000 | 1,218 |
| Provision for loan and lease losses | $656,000 | 684 |
| Total noninterest income | $1,928,000 | 1,352 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $148,000 | 2,977 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,780,000 | 1,058 |
| Total noninterest expense | $10,228,000 | 1,028 |
| Salaries and employee benefits | $5,674,000 | 1,034 |
| Premises and equipment expense | $1,536,000 | 818 |
| Additional noninterest expense | $3,018,000 | 1,088 |
| Pre-tax net operating income | $683,000 | 3,702 |
| Securities gains (losses) | $487,000 | 283 |
| Applicable income taxes | $452,000 | 1,766 |
| Income before extraordinary items | $718,000 | 3,376 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $718,000 | 3,373 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $718,000 | 3,374 |
| Net charge-offs | $136,000 | 1,392 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 409 |
| Net operating income | $406,320 | 4,180 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $5,114,000 | 1,280 |
| Total interest expense | $368,000 | 1,846 |
| Net interest income | $4,746,000 | 1,230 |
| Provision for loan and lease losses | $298,000 | 719 |
| Total noninterest income | $875,000 | 1,431 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $71,000 | 3,039 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $804,000 | 1,090 |
| Total noninterest expense | $5,235,000 | 1,004 |
| Salaries and employee benefits | $2,889,000 | 1,021 |
| Premises and equipment expense | $797,000 | 791 |
| Additional noninterest expense | $1,549,000 | 1,057 |
| Pre-tax net operating income | $88,000 | 5,163 |
| Securities gains (losses) | $273,000 | 227 |
| Applicable income taxes | $137,000 | 2,176 |
| Income before extraordinary items | $224,000 | 4,090 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $224,000 | 4,087 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $224,000 | 4,088 |
| Net charge-offs | $122,000 | 904 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 373 |
| Net operating income | $49,280 | 5,420 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $23,210,000 | 1,103 |
| Total interest expense | $1,827,000 | 1,498 |
| Net interest income | $21,383,000 | 1,067 |
| Provision for loan and lease losses | $1,143,000 | 724 |
| Total noninterest income | $4,865,000 | 1,144 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $314,000 | 2,938 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $4,551,000 | 864 |
| Total noninterest expense | $22,114,000 | 937 |
| Salaries and employee benefits | $11,666,000 | 965 |
| Premises and equipment expense | $3,164,000 | 776 |
| Additional noninterest expense | $7,284,000 | 901 |
| Pre-tax net operating income | $2,991,000 | 2,332 |
| Securities gains (losses) | $290,000 | 575 |
| Applicable income taxes | $1,208,000 | 1,421 |
| Income before extraordinary items | $2,073,000 | 2,657 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,073,000 | 2,658 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,073,000 | 2,659 |
| Net charge-offs | $665,000 | 933 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 463 |
| Net operating income | $1,887,400 | 2,786 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $17,698,000 | 1,095 |
| Total interest expense | $1,425,000 | 1,465 |
| Net interest income | $16,273,000 | 1,061 |
| Provision for loan and lease losses | $878,000 | 674 |
| Total noninterest income | $3,981,000 | 1,099 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $229,000 | 3,010 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,752,000 | 834 |
| Total noninterest expense | $17,088,000 | 915 |
| Salaries and employee benefits | $8,958,000 | 954 |
| Premises and equipment expense | $2,457,000 | 757 |
| Additional noninterest expense | $5,673,000 | 866 |
| Pre-tax net operating income | $2,288,000 | 2,332 |
| Securities gains (losses) | $197,000 | 653 |
| Applicable income taxes | $958,000 | 1,413 |
| Income before extraordinary items | $1,527,000 | 2,734 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,527,000 | 2,734 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,527,000 | 2,735 |
| Net charge-offs | $553,000 | 800 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $123,000 | 412 |
| Net operating income | $1,400,920 | 2,841 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $11,819,000 | 1,097 |
| Total interest expense | $969,000 | 1,447 |
| Net interest income | $10,850,000 | 1,059 |
| Provision for loan and lease losses | $572,000 | 684 |
| Total noninterest income | $2,606,000 | 1,113 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $150,000 | 3,023 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,456,000 | 832 |
| Total noninterest expense | $11,425,000 | 919 |
| Salaries and employee benefits | $6,063,000 | 938 |
| Premises and equipment expense | $1,669,000 | 754 |
| Additional noninterest expense | $3,693,000 | 881 |
| Pre-tax net operating income | $1,459,000 | 2,383 |
| Securities gains (losses) | $77,000 | 967 |
| Applicable income taxes | $601,000 | 1,473 |
| Income before extraordinary items | $935,000 | 2,867 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $935,000 | 2,867 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $935,000 | 2,869 |
| Net charge-offs | $434,000 | 711 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 464 |
| Net operating income | $885,720 | 2,918 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $5,837,000 | 1,107 |
| Total interest expense | $496,000 | 1,413 |
| Net interest income | $5,341,000 | 1,066 |
| Provision for loan and lease losses | $275,000 | 697 |
| Total noninterest income | $1,181,000 | 1,150 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $79,000 | 2,888 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,102,000 | 868 |
| Total noninterest expense | $5,691,000 | 915 |
| Salaries and employee benefits | $2,919,000 | 971 |
| Premises and equipment expense | $870,000 | 738 |
| Additional noninterest expense | $1,902,000 | 843 |
| Pre-tax net operating income | $556,000 | 2,833 |
| Securities gains (losses) | $77,000 | 675 |
| Applicable income taxes | $269,000 | 1,554 |
| Income before extraordinary items | $364,000 | 3,308 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $364,000 | 3,311 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $364,000 | 3,311 |
| Net charge-offs | $216,000 | 681 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 363 |
| Net operating income | $314,720 | 3,480 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $24,115,000 | 1,061 |
| Total interest expense | $1,255,000 | 2,186 |
| Net interest income | $22,860,000 | 977 |
| Provision for loan and lease losses | $802,000 | 1,019 |
| Total noninterest income | $7,345,000 | 828 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $393,000 | 2,721 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $6,952,000 | 596 |
| Total noninterest expense | $26,863,000 | 764 |
| Salaries and employee benefits | $13,350,000 | 824 |
| Premises and equipment expense | $3,700,000 | 666 |
| Additional noninterest expense | $9,813,000 | 682 |
| Pre-tax net operating income | $2,540,000 | 2,562 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $-621,000 | 6,399 |
| Income before extraordinary items | $3,161,000 | 1,931 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $3,161,000 | 1,930 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $3,161,000 | 1,929 |
| Net charge-offs | $358,000 | 1,832 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $1,507,000 | 165 |
| Net operating income | $3,161,000 | 1,895 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $17,399,000 | 1,114 |
| Total interest expense | $908,000 | 2,276 |
| Net interest income | $16,491,000 | 1,033 |
| Provision for loan and lease losses | $580,000 | 1,021 |
| Total noninterest income | $6,310,000 | 734 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $305,000 | 2,682 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $6,005,000 | 533 |
| Total noninterest expense | $20,072,000 | 756 |
| Salaries and employee benefits | $9,762,000 | 842 |
| Premises and equipment expense | $2,829,000 | 648 |
| Additional noninterest expense | $7,481,000 | 662 |
| Pre-tax net operating income | $2,149,000 | 2,396 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $249,000 | 2,621 |
| Income before extraordinary items | $1,900,000 | 2,308 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,900,000 | 2,309 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,900,000 | 2,308 |
| Net charge-offs | $302,000 | 1,603 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $1,422,000 | 125 |
| Net operating income | $1,900,000 | 2,259 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $11,576,000 | 1,106 |
| Total interest expense | $609,000 | 2,296 |
| Net interest income | $10,967,000 | 1,022 |
| Provision for loan and lease losses | $360,000 | 1,088 |
| Total noninterest income | $5,413,000 | 601 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $204,000 | 2,662 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $5,209,000 | 430 |
| Total noninterest expense | $12,191,000 | 819 |
| Salaries and employee benefits | $6,522,000 | 832 |
| Premises and equipment expense | $1,918,000 | 644 |
| Additional noninterest expense | $3,751,000 | 866 |
| Pre-tax net operating income | $3,829,000 | 1,058 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $909,000 | 1,042 |
| Income before extraordinary items | $2,920,000 | 1,102 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,920,000 | 1,103 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $2,920,000 | 1,103 |
| Net charge-offs | $111,000 | 2,088 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $261,000 | 253 |
| Net operating income | $2,920,000 | 1,083 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $5,487,000 | 1,168 |
| Total interest expense | $309,000 | 2,297 |
| Net interest income | $5,178,000 | 1,081 |
| Provision for loan and lease losses | $219,000 | 944 |
| Total noninterest income | $1,098,000 | 1,155 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $93,000 | 2,818 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $1,005,000 | 841 |
| Total noninterest expense | $6,136,000 | 826 |
| Salaries and employee benefits | $3,366,000 | 827 |
| Premises and equipment expense | $951,000 | 669 |
| Additional noninterest expense | $1,819,000 | 877 |
| Pre-tax net operating income | $-79,000 | 6,420 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $-193,000 | 6,669 |
| Income before extraordinary items | $114,000 | 5,001 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $114,000 | 5,004 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $114,000 | 5,003 |
| Net charge-offs | $128,000 | 1,213 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $140,000 | 216 |
| Net operating income | $114,000 | 4,960 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $19,019,000 | 1,332 |
| Total interest expense | $1,264,000 | 2,473 |
| Net interest income | $17,755,000 | 1,243 |
| Provision for loan and lease losses | $842,000 | 1,275 |
| Total noninterest income | $8,955,000 | 740 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $286,000 | 3,439 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $8,669,000 | 533 |
| Total noninterest expense | $21,549,000 | 949 |
| Salaries and employee benefits | $10,648,000 | 1,006 |
| Premises and equipment expense | $2,830,000 | 850 |
| Additional noninterest expense | $8,071,000 | 844 |
| Pre-tax net operating income | $4,319,000 | 1,616 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $628,000 | 1,923 |
| Income before extraordinary items | $3,691,000 | 1,608 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,691,000 | 1,611 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,691,000 | 1,612 |
| Net charge-offs | $647,000 | 1,723 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $311,000 | 353 |
| Net operating income | $3,691,000 | 1,568 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $13,382,000 | 1,433 |
| Total interest expense | $903,000 | 2,631 |
| Net interest income | $12,479,000 | 1,306 |
| Provision for loan and lease losses | $534,000 | 1,451 |
| Total noninterest income | $8,834,000 | 606 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $192,000 | 3,683 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $8,642,000 | 447 |
| Total noninterest expense | $15,689,000 | 973 |
| Salaries and employee benefits | $7,777,000 | 1,044 |
| Premises and equipment expense | $1,916,000 | 952 |
| Additional noninterest expense | $5,996,000 | 850 |
| Pre-tax net operating income | $5,090,000 | 1,121 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $383,000 | 2,184 |
| Income before extraordinary items | $4,707,000 | 988 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $4,707,000 | 991 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $4,707,000 | 991 |
| Net charge-offs | $500,000 | 1,585 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $242,000 | 315 |
| Net operating income | $4,707,000 | 964 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $7,180,000 | 1,741 |
| Total interest expense | $506,000 | 3,050 |
| Net interest income | $6,674,000 | 1,614 |
| Provision for loan and lease losses | $183,000 | 2,216 |
| Total noninterest income | $7,463,000 | 524 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $91,000 | 4,277 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $7,372,000 | 385 |
| Total noninterest expense | $9,217,000 | 1,103 |
| Salaries and employee benefits | $4,242,000 | 1,263 |
| Premises and equipment expense | $1,000,000 | 1,199 |
| Additional noninterest expense | $3,975,000 | 851 |
| Pre-tax net operating income | $4,737,000 | 811 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $733,000 | 1,161 |
| Income before extraordinary items | $4,004,000 | 777 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,004,000 | 779 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $4,004,000 | 779 |
| Net charge-offs | $101,000 | 2,750 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $154,000 | 302 |
| Net operating income | $4,004,000 | 748 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,227,000 | 2,731 |
| Total interest expense | $147,000 | 4,351 |
| Net interest income | $2,080,000 | 2,529 |
| Provision for loan and lease losses | $29,000 | 3,368 |
| Total noninterest income | $51,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $18,000 | 5,710 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $33,000 | 5,215 |
| Total noninterest expense | $1,861,000 | 2,528 |
| Salaries and employee benefits | $962,000 | 2,597 |
| Premises and equipment expense | $139,000 | 3,562 |
| Additional noninterest expense | $760,000 | 2,056 |
| Pre-tax net operating income | $241,000 | 4,190 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $99,000 | 2,416 |
| Income before extraordinary items | $142,000 | 4,820 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $142,000 | 4,821 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $142,000 | 4,822 |
| Net charge-offs | $42,000 | 2,538 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 293 |
| Net operating income | $142,000 | 4,719 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,805,000 | 2,611 |
| Total interest expense | $576,000 | 4,843 |
| Net interest income | $9,229,000 | 2,327 |
| Provision for loan and lease losses | $734,000 | 2,205 |
| Total noninterest income | $308,000 | 5,171 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $76,000 | 5,797 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $232,000 | 4,400 |
| Total noninterest expense | $7,932,000 | 2,390 |
| Salaries and employee benefits | $3,992,000 | 2,456 |
| Premises and equipment expense | $575,000 | 3,494 |
| Additional noninterest expense | $3,365,000 | 1,948 |
| Pre-tax net operating income | $871,000 | 4,217 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $657,000 | 1,895 |
| Income before extraordinary items | $214,000 | 5,745 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $214,000 | 5,743 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $214,000 | 5,744 |
| Net charge-offs | $903,000 | 1,931 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $281,000 | 390 |
| Net operating income | $214,000 | 5,565 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,518,000 | 2,608 |
| Total interest expense | $428,000 | 4,992 |
| Net interest income | $7,090,000 | 2,304 |
| Provision for loan and lease losses | $407,000 | 2,560 |
| Total noninterest income | $272,000 | 5,015 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $62,000 | 5,753 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $210,000 | 4,178 |
| Total noninterest expense | $5,849,000 | 2,427 |
| Salaries and employee benefits | $2,991,000 | 2,466 |
| Premises and equipment expense | $430,000 | 3,534 |
| Additional noninterest expense | $2,428,000 | 2,023 |
| Pre-tax net operating income | $1,106,000 | 3,461 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $503,000 | 1,936 |
| Income before extraordinary items | $603,000 | 4,350 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $603,000 | 4,350 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $603,000 | 4,349 |
| Net charge-offs | $780,000 | 1,703 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 342 |
| Net operating income | $603,000 | 4,179 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,054,000 | 2,606 |
| Total interest expense | $288,000 | 5,071 |
| Net interest income | $4,766,000 | 2,289 |
| Provision for loan and lease losses | $392,000 | 2,106 |
| Total noninterest income | $196,000 | 4,895 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $42,000 | 5,758 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $154,000 | 4,034 |
| Total noninterest expense | $3,987,000 | 2,371 |
| Salaries and employee benefits | $2,031,000 | 2,418 |
| Premises and equipment expense | $282,000 | 3,575 |
| Additional noninterest expense | $1,674,000 | 1,960 |
| Pre-tax net operating income | $583,000 | 3,844 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $255,000 | 2,227 |
| Income before extraordinary items | $328,000 | 4,678 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $328,000 | 4,681 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $328,000 | 4,681 |
| Net charge-offs | $659,000 | 1,514 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 306 |
| Net operating income | $328,000 | 4,494 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 2,546 |
| Total interest expense | $149,000 | 5,112 |
| Net interest income | $2,470,000 | 2,217 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $322,000 | 2,831 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $22,000 | 5,685 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $300,000 | 2,098 |
| Total noninterest expense | $1,915,000 | 2,458 |
| Salaries and employee benefits | $1,038,000 | 2,392 |
| Premises and equipment expense | $144,000 | 3,566 |
| Additional noninterest expense | $733,000 | 2,198 |
| Pre-tax net operating income | $727,000 | 2,205 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $309,000 | 1,269 |
| Income before extraordinary items | $418,000 | 2,962 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $418,000 | 2,965 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $418,000 | 2,966 |
| Net charge-offs | $148,000 | 2,104 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 241 |
| Net operating income | $418,000 | 2,815 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,033,000 | 3,031 |
| Total interest expense | $701,000 | 5,191 |
| Net interest income | $8,332,000 | 2,628 |
| Provision for loan and lease losses | $1,401,000 | 1,977 |
| Total noninterest income | $1,903,000 | 2,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 6,541 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,867,000 | 1,431 |
| Total noninterest expense | $7,162,000 | 2,621 |
| Salaries and employee benefits | $4,284,000 | 2,265 |
| Premises and equipment expense | $977,000 | 2,450 |
| Additional noninterest expense | $1,901,000 | 3,274 |
| Pre-tax net operating income | $1,672,000 | 2,841 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $847,000 | 1,508 |
| Income before extraordinary items | $825,000 | 3,892 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $825,000 | 3,897 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $825,000 | 3,896 |
| Net charge-offs | $750,000 | 2,713 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $825,000 | 3,770 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,729,000 | 3,069 |
| Total interest expense | $537,000 | 5,267 |
| Net interest income | $6,192,000 | 2,655 |
| Provision for loan and lease losses | $1,236,000 | 1,723 |
| Total noninterest income | $1,488,000 | 2,013 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 6,561 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,460,000 | 1,371 |
| Total noninterest expense | $5,434,000 | 2,585 |
| Salaries and employee benefits | $3,204,000 | 2,260 |
| Premises and equipment expense | $724,000 | 2,498 |
| Additional noninterest expense | $1,506,000 | 3,148 |
| Pre-tax net operating income | $1,010,000 | 3,297 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $565,000 | 1,626 |
| Income before extraordinary items | $445,000 | 4,510 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $445,000 | 4,511 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $445,000 | 4,511 |
| Net charge-offs | $412,000 | 2,874 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $445,000 | 4,381 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,656,000 | 2,990 |
| Total interest expense | $361,000 | 5,354 |
| Net interest income | $4,295,000 | 2,565 |
| Provision for loan and lease losses | $1,322,000 | 1,252 |
| Total noninterest income | $1,169,000 | 1,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 6,547 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,149,000 | 1,224 |
| Total noninterest expense | $3,785,000 | 2,507 |
| Salaries and employee benefits | $2,200,000 | 2,216 |
| Premises and equipment expense | $495,000 | 2,476 |
| Additional noninterest expense | $1,090,000 | 2,973 |
| Pre-tax net operating income | $357,000 | 4,378 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $144,000 | 2,553 |
| Income before extraordinary items | $213,000 | 4,927 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $213,000 | 4,927 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $213,000 | 4,927 |
| Net charge-offs | $1,294,000 | 1,252 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $213,000 | 4,833 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,509,000 | 2,814 |
| Total interest expense | $179,000 | 5,477 |
| Net interest income | $2,330,000 | 2,344 |
| Provision for loan and lease losses | $338,000 | 1,811 |
| Total noninterest income | $560,000 | 1,839 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 6,519 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $550,000 | 1,270 |
| Total noninterest expense | $1,661,000 | 2,823 |
| Salaries and employee benefits | $884,000 | 2,751 |
| Premises and equipment expense | $236,000 | 2,605 |
| Additional noninterest expense | $541,000 | 2,986 |
| Pre-tax net operating income | $891,000 | 1,604 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $367,000 | 950 |
| Income before extraordinary items | $524,000 | 2,168 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $524,000 | 2,167 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $524,000 | 2,168 |
| Net charge-offs | $338,000 | 1,647 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $524,000 | 2,125 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,684,000 | 4,025 |
| Total interest expense | $397,000 | 6,803 |
| Net interest income | $6,287,000 | 3,357 |
| Provision for loan and lease losses | $684,000 | 3,636 |
| Total noninterest income | $3,819,000 | 1,313 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,819,000 | 897 |
| Total noninterest expense | $3,199,000 | 4,836 |
| Salaries and employee benefits | $1,408,000 | 5,230 |
| Premises and equipment expense | $473,000 | 4,331 |
| Additional noninterest expense | $1,318,000 | 4,355 |
| Pre-tax net operating income | $6,223,000 | 850 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $2,458,000 | 622 |
| Income before extraordinary items | $3,765,000 | 1,155 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,765,000 | 1,157 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $3,765,000 | 1,158 |
| Net charge-offs | $510,000 | 3,628 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $24,000,000 | 38 |
| Net operating income | $3,765,000 | 1,100 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,648,000 | 5,797 |
| Total interest expense | $216,000 | 7,229 |
| Net interest income | $2,432,000 | 5,206 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $3,130,000 | 1,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $3,130,000 | 801 |
| Total noninterest expense | $1,445,000 | 6,131 |
| Salaries and employee benefits | $571,000 | 6,579 |
| Premises and equipment expense | $245,000 | 5,282 |
| Additional noninterest expense | $629,000 | 5,532 |
| Pre-tax net operating income | $4,117,000 | 989 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $1,624,000 | 703 |
| Income before extraordinary items | $2,493,000 | 1,335 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,493,000 | 1,339 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,493,000 | 1,339 |
| Net charge-offs | $0 | 6,672 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $24,000,000 | 34 |
| Net operating income | $2,493,000 | 1,291 |
* 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.