Home > Bay National Bank > Income and Expense
Bay National Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,881,000 | 3,103 |
| Total interest expense | $1,953,000 | 2,208 |
| Net interest income | $2,928,000 | 3,579 |
| Provision for loan and lease losses | $1,843,000 | 1,341 |
| Total noninterest income | $330,000 | 4,061 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $143,000 | 3,791 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $187,000 | 3,599 |
| Total noninterest expense | $4,924,000 | 1,986 |
| Salaries and employee benefits | $1,401,000 | 3,342 |
| Premises and equipment expense | $417,000 | 2,961 |
| Additional noninterest expense | $3,106,000 | 1,153 |
| Pre-tax net operating income | $-3,509,000 | 7,442 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,509,000 | 7,489 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,509,000 | 7,488 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,509,000 | 7,489 |
| Net charge-offs | $2,987,000 | 834 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,509,000 | 7,482 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,684,000 | 2,914 |
| Total interest expense | $1,068,000 | 2,129 |
| Net interest income | $1,616,000 | 3,348 |
| Provision for loan and lease losses | $1,843,000 | 793 |
| Total noninterest income | $199,000 | 3,650 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $73,000 | 3,752 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $126,000 | 3,112 |
| Total noninterest expense | $2,584,000 | 1,920 |
| Salaries and employee benefits | $766,000 | 3,130 |
| Premises and equipment expense | $200,000 | 3,115 |
| Additional noninterest expense | $1,618,000 | 1,082 |
| Pre-tax net operating income | $-2,612,000 | 7,662 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,612,000 | 7,690 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,612,000 | 7,691 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,612,000 | 7,691 |
| Net charge-offs | $2,676,000 | 530 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,612,000 | 7,686 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,043,000 | 2,738 |
| Total interest expense | $5,644,000 | 2,024 |
| Net interest income | $6,399,000 | 3,273 |
| Provision for loan and lease losses | $10,695,000 | 820 |
| Total noninterest income | $867,000 | 3,602 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $318,000 | 3,781 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $549,000 | 3,043 |
| Total noninterest expense | $10,165,000 | 1,988 |
| Salaries and employee benefits | $3,513,000 | 2,775 |
| Premises and equipment expense | $949,000 | 2,700 |
| Additional noninterest expense | $5,703,000 | 1,319 |
| Pre-tax net operating income | $-13,594,000 | 7,598 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $1,857,000 | 598 |
| Income before extraordinary items | $-15,451,000 | 7,682 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-15,451,000 | 7,681 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-15,451,000 | 7,681 |
| Net charge-offs | $6,610,000 | 938 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-15,451,000 | 7,682 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,291,000 | 2,700 |
| Total interest expense | $4,457,000 | 2,021 |
| Net interest income | $4,834,000 | 3,264 |
| Provision for loan and lease losses | $5,694,000 | 959 |
| Total noninterest income | $679,000 | 3,594 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $244,000 | 3,746 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $435,000 | 3,040 |
| Total noninterest expense | $6,632,000 | 2,246 |
| Salaries and employee benefits | $2,686,000 | 2,741 |
| Premises and equipment expense | $724,000 | 2,700 |
| Additional noninterest expense | $3,222,000 | 1,681 |
| Pre-tax net operating income | $-6,813,000 | 7,605 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-2,895,000 | 7,801 |
| Income before extraordinary items | $-3,918,000 | 7,482 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,918,000 | 7,482 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,918,000 | 7,482 |
| Net charge-offs | $5,166,000 | 794 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,918,000 | 7,487 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,244,000 | 2,719 |
| Total interest expense | $3,002,000 | 2,093 |
| Net interest income | $3,242,000 | 3,246 |
| Provision for loan and lease losses | $3,894,000 | 908 |
| Total noninterest income | $442,000 | 3,661 |
| 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 | $271,000 | 3,159 |
| Total noninterest expense | $4,360,000 | 2,305 |
| Salaries and employee benefits | $1,813,000 | 2,748 |
| Premises and equipment expense | $504,000 | 2,624 |
| Additional noninterest expense | $2,043,000 | 1,782 |
| Pre-tax net operating income | $-4,570,000 | 7,713 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,938,000 | 7,890 |
| Income before extraordinary items | $-2,632,000 | 7,586 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,632,000 | 7,585 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,632,000 | 7,585 |
| Net charge-offs | $2,837,000 | 894 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,632,000 | 7,600 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,188,000 | 2,703 |
| Total interest expense | $1,531,000 | 2,132 |
| Net interest income | $1,657,000 | 3,180 |
| Provision for loan and lease losses | $1,050,000 | 1,142 |
| Total noninterest income | $182,000 | 4,002 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $88,000 | 3,501 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $94,000 | 3,755 |
| Total noninterest expense | $2,116,000 | 2,303 |
| Salaries and employee benefits | $947,000 | 2,670 |
| Premises and equipment expense | $261,000 | 2,592 |
| Additional noninterest expense | $908,000 | 1,774 |
| Pre-tax net operating income | $-1,327,000 | 7,723 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-584,000 | 7,907 |
| Income before extraordinary items | $-743,000 | 7,601 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-743,000 | 7,602 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-743,000 | 7,602 |
| Net charge-offs | $507,000 | 1,355 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-743,000 | 7,592 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,325,000 | 2,417 |
| Total interest expense | $6,161,000 | 2,457 |
| Net interest income | $9,164,000 | 2,382 |
| Provision for loan and lease losses | $6,478,000 | 835 |
| Total noninterest income | $763,000 | 3,960 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $266,000 | 4,232 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $497,000 | 3,178 |
| Total noninterest expense | $11,030,000 | 1,755 |
| Salaries and employee benefits | $5,942,000 | 1,720 |
| Premises and equipment expense | $1,060,000 | 2,495 |
| Additional noninterest expense | $4,028,000 | 1,539 |
| Pre-tax net operating income | $-7,581,000 | 7,921 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-3,425,000 | 8,038 |
| Income before extraordinary items | $-4,156,000 | 7,752 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,156,000 | 7,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,803,000 | 603 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-4,156,000 | 7,811 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,804,000 | 2,417 |
| Total interest expense | $4,607,000 | 2,558 |
| Net interest income | $7,197,000 | 2,311 |
| Provision for loan and lease losses | $5,517,000 | 611 |
| Total noninterest income | $614,000 | 3,913 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $184,000 | 4,421 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $430,000 | 3,065 |
| Total noninterest expense | $8,204,000 | 1,765 |
| Salaries and employee benefits | $4,667,000 | 1,664 |
| Premises and equipment expense | $785,000 | 2,538 |
| Additional noninterest expense | $2,752,000 | 1,628 |
| Pre-tax net operating income | $-5,910,000 | 8,154 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-2,383,000 | 8,207 |
| Income before extraordinary items | $-3,527,000 | 8,055 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,527,000 | 8,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,842,000 | 542 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,527,000 | 8,107 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,092,000 | 2,397 |
| Total interest expense | $3,179,000 | 2,571 |
| Net interest income | $4,913,000 | 2,253 |
| Provision for loan and lease losses | $3,026,000 | 595 |
| Total noninterest income | $412,000 | 3,955 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $125,000 | 4,395 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $287,000 | 3,109 |
| Total noninterest expense | $5,498,000 | 1,751 |
| Salaries and employee benefits | $3,131,000 | 1,670 |
| Premises and equipment expense | $515,000 | 2,573 |
| Additional noninterest expense | $1,852,000 | 1,584 |
| Pre-tax net operating income | $-3,199,000 | 8,235 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-1,289,000 | 8,293 |
| Income before extraordinary items | $-1,910,000 | 8,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,910,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,326,000 | 730 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,910,000 | 8,188 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,368,000 | 2,308 |
| Total interest expense | $1,733,000 | 2,524 |
| Net interest income | $2,635,000 | 2,105 |
| Provision for loan and lease losses | $2,468,000 | 345 |
| Total noninterest income | $208,000 | 3,925 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $56,000 | 4,576 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $152,000 | 3,010 |
| Total noninterest expense | $2,657,000 | 1,797 |
| Salaries and employee benefits | $1,535,000 | 1,714 |
| Premises and equipment expense | $254,000 | 2,636 |
| Additional noninterest expense | $868,000 | 1,654 |
| Pre-tax net operating income | $-2,282,000 | 8,383 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-969,000 | 8,395 |
| Income before extraordinary items | $-1,313,000 | 8,345 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,313,000 | 8,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $768,000 | 547 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,313,000 | 8,339 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,587,000 | 2,037 |
| Total interest expense | $8,164,000 | 2,277 |
| Net interest income | $12,423,000 | 1,827 |
| Provision for loan and lease losses | $2,126,000 | 803 |
| Total noninterest income | $725,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $154,000 | 5,373 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $571,000 | 3,091 |
| Total noninterest expense | $8,917,000 | 2,062 |
| Salaries and employee benefits | $5,385,000 | 1,876 |
| Premises and equipment expense | $876,000 | 2,864 |
| Additional noninterest expense | $2,656,000 | 2,063 |
| Pre-tax net operating income | $2,105,000 | 3,200 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,067,000 | 1,787 |
| Income before extraordinary items | $1,038,000 | 4,234 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,038,000 | 4,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 2,283 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,038,000 | 4,230 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,825,000 | 2,003 |
| Total interest expense | $6,257,000 | 2,244 |
| Net interest income | $9,568,000 | 1,777 |
| Provision for loan and lease losses | $350,000 | 2,081 |
| Total noninterest income | $521,000 | 4,315 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $111,000 | 5,460 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $410,000 | 3,158 |
| Total noninterest expense | $6,745,000 | 2,021 |
| Salaries and employee benefits | $4,229,000 | 1,786 |
| Premises and equipment expense | $642,000 | 2,901 |
| Additional noninterest expense | $1,874,000 | 2,127 |
| Pre-tax net operating income | $2,994,000 | 2,110 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,346,000 | 1,328 |
| Income before extraordinary items | $1,648,000 | 2,784 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,648,000 | 2,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,492 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,648,000 | 2,765 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,688,000 | 1,989 |
| Total interest expense | $4,191,000 | 2,247 |
| Net interest income | $6,497,000 | 1,767 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $372,000 | 4,189 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $72,000 | 5,542 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $300,000 | 3,012 |
| Total noninterest expense | $4,480,000 | 2,056 |
| Salaries and employee benefits | $2,841,000 | 1,809 |
| Premises and equipment expense | $427,000 | 2,933 |
| Additional noninterest expense | $1,212,000 | 2,194 |
| Pre-tax net operating income | $2,389,000 | 1,880 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,164,000 | 1,135 |
| Income before extraordinary items | $1,225,000 | 2,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,225,000 | 2,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,115 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,225,000 | 2,572 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,343,000 | 1,991 |
| Total interest expense | $2,051,000 | 2,270 |
| Net interest income | $3,292,000 | 1,748 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $192,000 | 4,116 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $37,000 | 5,442 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $155,000 | 2,950 |
| Total noninterest expense | $2,278,000 | 2,035 |
| Salaries and employee benefits | $1,481,000 | 1,749 |
| Premises and equipment expense | $208,000 | 3,009 |
| Additional noninterest expense | $589,000 | 2,226 |
| Pre-tax net operating income | $1,206,000 | 1,855 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $656,000 | 1,032 |
| Income before extraordinary items | $550,000 | 2,815 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $550,000 | 2,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,247 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $550,000 | 2,808 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,781,000 | 1,998 |
| Total interest expense | $7,219,000 | 2,228 |
| Net interest income | $12,562,000 | 1,835 |
| Provision for loan and lease losses | $203,000 | 3,500 |
| Total noninterest income | $779,000 | 4,126 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $148,000 | 5,553 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $631,000 | 2,927 |
| Total noninterest expense | $8,264,000 | 2,143 |
| Salaries and employee benefits | $5,272,000 | 1,846 |
| Premises and equipment expense | $683,000 | 3,393 |
| Additional noninterest expense | $2,309,000 | 2,253 |
| Pre-tax net operating income | $4,874,000 | 1,930 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,678,000 | 1,515 |
| Income before extraordinary items | $3,196,000 | 2,165 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,196,000 | 2,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,733 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $950,000 | 506 |
| Net operating income | $3,196,000 | 2,153 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,383,000 | 2,052 |
| Total interest expense | $5,144,000 | 2,264 |
| Net interest income | $9,239,000 | 1,895 |
| Provision for loan and lease losses | $128,000 | 3,730 |
| Total noninterest income | $601,000 | 4,052 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $124,000 | 5,411 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $477,000 | 2,928 |
| Total noninterest expense | $5,967,000 | 2,213 |
| Salaries and employee benefits | $3,849,000 | 1,888 |
| Premises and equipment expense | $526,000 | 3,331 |
| Additional noninterest expense | $1,592,000 | 2,419 |
| Pre-tax net operating income | $3,745,000 | 1,941 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,285,000 | 1,564 |
| Income before extraordinary items | $2,460,000 | 2,174 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,460,000 | 2,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,540 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $950,000 | 379 |
| Net operating income | $2,460,000 | 2,163 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,173,000 | 2,099 |
| Total interest expense | $3,193,000 | 2,307 |
| Net interest income | $5,980,000 | 1,955 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $395,000 | 4,069 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $83,000 | 5,395 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $312,000 | 2,941 |
| Total noninterest expense | $3,901,000 | 2,263 |
| Salaries and employee benefits | $2,521,000 | 1,930 |
| Premises and equipment expense | $345,000 | 3,364 |
| Additional noninterest expense | $1,035,000 | 2,478 |
| Pre-tax net operating income | $2,474,000 | 1,965 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $842,000 | 1,601 |
| Income before extraordinary items | $1,632,000 | 2,183 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,632,000 | 2,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $950,000 | 270 |
| Net operating income | $1,632,000 | 2,171 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,307,000 | 2,178 |
| Total interest expense | $1,453,000 | 2,386 |
| Net interest income | $2,854,000 | 2,030 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $140,000 | 4,843 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $41,000 | 5,358 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $99,000 | 3,720 |
| Total noninterest expense | $1,827,000 | 2,425 |
| Salaries and employee benefits | $1,212,000 | 2,027 |
| Premises and equipment expense | $169,000 | 3,439 |
| Additional noninterest expense | $446,000 | 2,827 |
| Pre-tax net operating income | $1,167,000 | 2,023 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $397,000 | 1,664 |
| Income before extraordinary items | $770,000 | 2,272 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $770,000 | 2,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 313 |
| Net operating income | $770,000 | 2,248 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,981,000 | 2,542 |
| Total interest expense | $4,174,000 | 2,557 |
| Net interest income | $8,807,000 | 2,479 |
| Provision for loan and lease losses | $1,179,000 | 906 |
| Total noninterest income | $751,000 | 4,194 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $188,000 | 5,167 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $563,000 | 3,175 |
| Total noninterest expense | $6,171,000 | 2,678 |
| Salaries and employee benefits | $3,628,000 | 2,520 |
| Premises and equipment expense | $597,000 | 3,673 |
| Additional noninterest expense | $1,946,000 | 2,554 |
| Pre-tax net operating income | $2,208,000 | 3,453 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-398,000 | 8,746 |
| Income before extraordinary items | $2,606,000 | 2,511 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,606,000 | 2,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,087 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,630,000 | 422 |
| Net operating income | $2,606,000 | 2,482 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,986,000 | 2,655 |
| Total interest expense | $2,865,000 | 2,626 |
| Net interest income | $6,121,000 | 2,629 |
| Provision for loan and lease losses | $533,000 | 1,326 |
| Total noninterest income | $540,000 | 4,327 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $152,000 | 5,043 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $388,000 | 3,332 |
| Total noninterest expense | $4,450,000 | 2,757 |
| Salaries and employee benefits | $2,630,000 | 2,551 |
| Premises and equipment expense | $427,000 | 3,788 |
| Additional noninterest expense | $1,393,000 | 2,638 |
| Pre-tax net operating income | $1,678,000 | 3,474 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,678,000 | 2,862 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,678,000 | 2,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,791 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $1,130,000 | 332 |
| Net operating income | $1,678,000 | 2,824 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,388,000 | 2,844 |
| Total interest expense | $1,710,000 | 2,734 |
| Net interest income | $3,678,000 | 2,869 |
| Provision for loan and lease losses | $236,000 | 1,894 |
| Total noninterest income | $263,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $94,000 | 5,172 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $169,000 | 4,061 |
| Total noninterest expense | $2,803,000 | 2,881 |
| Salaries and employee benefits | $1,581,000 | 2,787 |
| Premises and equipment expense | $285,000 | 3,771 |
| Additional noninterest expense | $937,000 | 2,602 |
| Pre-tax net operating income | $902,000 | 3,985 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $902,000 | 3,353 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $902,000 | 3,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,718 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $530,000 | 280 |
| Net operating income | $902,000 | 3,302 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,541,000 | 2,956 |
| Total interest expense | $799,000 | 2,792 |
| Net interest income | $1,742,000 | 3,004 |
| Provision for loan and lease losses | $32,000 | 3,873 |
| Total noninterest income | $102,000 | 5,632 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $49,000 | 5,045 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,055 |
| Total noninterest expense | $1,366,000 | 2,953 |
| Salaries and employee benefits | $749,000 | 2,930 |
| Premises and equipment expense | $151,000 | 3,632 |
| Additional noninterest expense | $466,000 | 2,606 |
| Pre-tax net operating income | $446,000 | 3,991 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $446,000 | 3,338 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $446,000 | 3,339 |
| 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 | $446,000 | 3,305 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,621,000 | 3,542 |
| Total interest expense | $2,458,000 | 3,090 |
| Net interest income | $5,163,000 | 3,719 |
| Provision for loan and lease losses | $559,000 | 1,785 |
| Total noninterest income | $539,000 | 5,076 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $238,000 | 4,848 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $301,000 | 4,261 |
| Total noninterest expense | $4,335,000 | 3,511 |
| Salaries and employee benefits | $2,443,000 | 3,408 |
| Premises and equipment expense | $472,000 | 4,264 |
| Additional noninterest expense | $1,420,000 | 3,259 |
| Pre-tax net operating income | $808,000 | 5,773 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $808,000 | 5,246 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $808,000 | 5,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,856 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $3,162,000 | 279 |
| Net operating income | $808,000 | 5,174 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,310,000 | 3,742 |
| Total interest expense | $1,738,000 | 3,188 |
| Net interest income | $3,572,000 | 3,940 |
| Provision for loan and lease losses | $350,000 | 2,001 |
| Total noninterest income | $401,000 | 5,122 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $178,000 | 4,879 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $223,000 | 4,287 |
| Total noninterest expense | $3,145,000 | 3,565 |
| Salaries and employee benefits | $1,806,000 | 3,416 |
| Premises and equipment expense | $338,000 | 4,398 |
| Additional noninterest expense | $1,001,000 | 3,430 |
| Pre-tax net operating income | $478,000 | 6,414 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $478,000 | 5,924 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $478,000 | 5,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,696 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,412,000 | 234 |
| Net operating income | $478,000 | 5,846 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,310,000 | 3,950 |
| Total interest expense | $1,082,000 | 3,351 |
| Net interest income | $2,228,000 | 4,150 |
| Provision for loan and lease losses | $214,000 | 2,079 |
| Total noninterest income | $269,000 | 5,082 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $112,000 | 5,013 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $157,000 | 4,218 |
| Total noninterest expense | $2,049,000 | 3,666 |
| Salaries and employee benefits | $1,184,000 | 3,489 |
| Premises and equipment expense | $217,000 | 4,509 |
| Additional noninterest expense | $648,000 | 3,518 |
| Pre-tax net operating income | $234,000 | 6,948 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $234,000 | 6,595 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $234,000 | 6,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 193 |
| Net operating income | $234,000 | 6,504 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 4,153 |
| Total interest expense | $511,000 | 3,575 |
| Net interest income | $1,050,000 | 4,331 |
| Provision for loan and lease losses | $110,000 | 1,956 |
| Total noninterest income | $125,000 | 5,224 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $54,000 | 5,021 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $71,000 | 4,413 |
| Total noninterest expense | $1,004,000 | 3,747 |
| Salaries and employee benefits | $595,000 | 3,489 |
| Premises and equipment expense | $101,000 | 4,760 |
| Additional noninterest expense | $308,000 | 3,671 |
| Pre-tax net operating income | $61,000 | 7,747 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $61,000 | 7,565 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $61,000 | 7,567 |
| 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 | $1,000,000 | 122 |
| Net operating income | $61,000 | 7,493 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,511,000 | 4,564 |
| Total interest expense | $1,937,000 | 4,123 |
| Net interest income | $3,574,000 | 4,727 |
| Provision for loan and lease losses | $415,000 | 2,514 |
| Total noninterest income | $853,000 | 4,073 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $213,000 | 5,125 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $640,000 | 3,126 |
| Total noninterest expense | $4,006,000 | 3,717 |
| Salaries and employee benefits | $2,339,000 | 3,452 |
| Premises and equipment expense | $391,000 | 4,792 |
| Additional noninterest expense | $1,276,000 | 3,553 |
| Pre-tax net operating income | $6,000 | 8,505 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $6,000 | 8,601 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,000 | 8,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 250 |
| Net operating income | $6,000 | 8,515 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,002,000 | 4,730 |
| Total interest expense | $1,448,000 | 4,253 |
| Net interest income | $2,554,000 | 4,901 |
| Provision for loan and lease losses | $355,000 | 2,237 |
| Total noninterest income | $686,000 | 3,985 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $149,000 | 5,319 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $537,000 | 3,006 |
| Total noninterest expense | $3,010,000 | 3,700 |
| Salaries and employee benefits | $1,771,000 | 3,404 |
| Premises and equipment expense | $279,000 | 4,966 |
| Additional noninterest expense | $960,000 | 3,514 |
| Pre-tax net operating income | $-125,000 | 8,770 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-125,000 | 8,849 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-125,000 | 8,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 168 |
| Net operating income | $-125,000 | 8,778 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,566,000 | 4,899 |
| Total interest expense | $939,000 | 4,447 |
| Net interest income | $1,627,000 | 5,049 |
| Provision for loan and lease losses | $307,000 | 1,751 |
| Total noninterest income | $465,000 | 3,911 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $91,000 | 5,480 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $374,000 | 2,894 |
| Total noninterest expense | $2,017,000 | 3,671 |
| Salaries and employee benefits | $1,191,000 | 3,385 |
| Premises and equipment expense | $188,000 | 4,904 |
| Additional noninterest expense | $638,000 | 3,519 |
| Pre-tax net operating income | $-232,000 | 8,953 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-232,000 | 9,032 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-232,000 | 9,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 103 |
| Net operating income | $-232,000 | 8,961 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,167,000 | 5,250 |
| Total interest expense | $441,000 | 4,729 |
| Net interest income | $726,000 | 5,426 |
| Provision for loan and lease losses | $169,000 | 1,555 |
| Total noninterest income | $198,000 | 4,189 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $40,000 | 5,673 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $158,000 | 3,120 |
| Total noninterest expense | $962,000 | 3,788 |
| Salaries and employee benefits | $581,000 | 3,453 |
| Premises and equipment expense | $90,000 | 5,048 |
| Additional noninterest expense | $291,000 | 3,742 |
| Pre-tax net operating income | $-207,000 | 9,093 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-207,000 | 9,139 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-207,000 | 9,136 |
| 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 | $1,500,000 | 86 |
| Net operating income | $-207,000 | 9,079 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,463,000 | 6,371 |
| Total interest expense | $1,368,000 | 6,016 |
| Net interest income | $2,095,000 | 6,478 |
| Provision for loan and lease losses | $405,000 | 2,800 |
| Total noninterest income | $718,000 | 4,264 |
| 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 | $612,000 | 2,930 |
| Total noninterest expense | $3,422,000 | 4,045 |
| Salaries and employee benefits | $2,053,000 | 3,661 |
| Premises and equipment expense | $324,000 | 5,323 |
| Additional noninterest expense | $1,045,000 | 4,027 |
| Pre-tax net operating income | $-1,014,000 | 9,124 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,014,000 | 9,182 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,014,000 | 9,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 287 |
| Net operating income | $-1,014,000 | 9,148 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,862,000 | 8,358 |
| Total interest expense | $760,000 | 8,517 |
| Net interest income | $1,102,000 | 8,082 |
| Provision for loan and lease losses | $377,000 | 2,744 |
| Total noninterest income | $271,000 | 6,660 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $27,000 | 8,030 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $244,000 | 4,534 |
| Total noninterest expense | $2,704,000 | 4,695 |
| Salaries and employee benefits | $1,492,000 | 4,535 |
| Premises and equipment expense | $291,000 | 5,618 |
| Additional noninterest expense | $921,000 | 4,331 |
| Pre-tax net operating income | $-1,708,000 | 9,463 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,708,000 | 9,501 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,708,000 | 9,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-1,708,000 | 9,475 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $595,000 | 9,649 |
| Total interest expense | $203,000 | 9,656 |
| Net interest income | $392,000 | 9,590 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $15,000 | 9,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 8,541 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,315 |
| Total noninterest expense | $1,658,000 | 6,348 |
| Salaries and employee benefits | $909,000 | 6,288 |
| Premises and equipment expense | $280,000 | 5,651 |
| Additional noninterest expense | $469,000 | 6,645 |
| Pre-tax net operating income | $-1,321,000 | 9,770 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-1,321,000 | 9,778 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,321,000 | 9,777 |
| 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 | $9,000,000 | 80 |
| Net operating income | $-1,321,000 | 9,782 |
* 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.