Home > Bayside Savings Bank > Income and Expense
Bayside Savings Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 6,518 |
| Total interest expense | $740,000 | 4,537 |
| Net interest income | $518,000 | 7,293 |
| Provision for loan and lease losses | $979,000 | 1,973 |
| Total noninterest income | $-320,000 | 7,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-320,000 | 7,653 |
| Total noninterest expense | $1,312,000 | 5,435 |
| Salaries and employee benefits | $513,000 | 6,063 |
| Premises and equipment expense | $349,000 | 3,379 |
| Additional noninterest expense | $450,000 | 5,367 |
| Pre-tax net operating income | $-2,093,000 | 7,289 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,093,000 | 7,347 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,093,000 | 7,347 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,093,000 | 7,347 |
| Net charge-offs | $923,000 | 1,811 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,093,000 | 7,342 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $658,000 | 6,512 |
| Total interest expense | $394,000 | 4,512 |
| Net interest income | $264,000 | 7,361 |
| Provision for loan and lease losses | $621,000 | 1,586 |
| Total noninterest income | $-86,000 | 7,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-86,000 | 7,722 |
| Total noninterest expense | $621,000 | 5,645 |
| Salaries and employee benefits | $235,000 | 6,313 |
| Premises and equipment expense | $164,000 | 3,646 |
| Additional noninterest expense | $222,000 | 5,439 |
| Pre-tax net operating income | $-1,064,000 | 7,431 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,064,000 | 7,482 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,064,000 | 7,482 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,064,000 | 7,483 |
| Net charge-offs | $667,000 | 1,371 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,064,000 | 7,473 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,453,000 | 6,045 |
| Total interest expense | $2,155,000 | 4,246 |
| Net interest income | $1,298,000 | 7,131 |
| Provision for loan and lease losses | $5,264,000 | 1,381 |
| Total noninterest income | $48,000 | 7,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $48,000 | 6,408 |
| Total noninterest expense | $2,643,000 | 5,533 |
| Salaries and employee benefits | $949,000 | 6,342 |
| Premises and equipment expense | $654,000 | 3,642 |
| Additional noninterest expense | $1,040,000 | 5,145 |
| Pre-tax net operating income | $-6,561,000 | 7,318 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-6,561,000 | 7,400 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,561,000 | 7,398 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,561,000 | 7,398 |
| Net charge-offs | $5,316,000 | 1,097 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-6,561,000 | 7,411 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,725,000 | 6,009 |
| Total interest expense | $1,667,000 | 4,306 |
| Net interest income | $1,058,000 | 7,049 |
| Provision for loan and lease losses | $2,794,000 | 1,548 |
| Total noninterest income | $80,000 | 7,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $80,000 | 5,686 |
| Total noninterest expense | $1,984,000 | 5,540 |
| Salaries and employee benefits | $726,000 | 6,345 |
| Premises and equipment expense | $502,000 | 3,612 |
| Additional noninterest expense | $756,000 | 5,209 |
| Pre-tax net operating income | $-3,640,000 | 7,372 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-3,640,000 | 7,445 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,640,000 | 7,445 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,640,000 | 7,445 |
| Net charge-offs | $2,894,000 | 1,202 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,640,000 | 7,456 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,888,000 | 5,977 |
| Total interest expense | $1,142,000 | 4,367 |
| Net interest income | $746,000 | 6,990 |
| Provision for loan and lease losses | $2,563,000 | 1,202 |
| Total noninterest income | $131,000 | 5,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $131,000 | 4,344 |
| Total noninterest expense | $1,464,000 | 5,309 |
| Salaries and employee benefits | $496,000 | 6,359 |
| Premises and equipment expense | $338,000 | 3,617 |
| Additional noninterest expense | $630,000 | 4,581 |
| Pre-tax net operating income | $-3,150,000 | 7,581 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,150,000 | 7,647 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,150,000 | 7,646 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,150,000 | 7,646 |
| Net charge-offs | $2,344,000 | 1,022 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,150,000 | 7,659 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $974,000 | 5,934 |
| Total interest expense | $591,000 | 4,389 |
| Net interest income | $383,000 | 6,954 |
| Provision for loan and lease losses | $625,000 | 1,559 |
| Total noninterest income | $49,000 | 6,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $49,000 | 4,878 |
| Total noninterest expense | $648,000 | 5,599 |
| Salaries and employee benefits | $261,000 | 6,302 |
| Premises and equipment expense | $167,000 | 3,685 |
| Additional noninterest expense | $220,000 | 5,343 |
| Pre-tax net operating income | $-841,000 | 7,569 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-841,000 | 7,651 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-841,000 | 7,652 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-841,000 | 7,652 |
| Net charge-offs | $1,805,000 | 642 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-841,000 | 7,649 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,500,000 | 5,734 |
| Total interest expense | $2,590,000 | 4,651 |
| Net interest income | $1,910,000 | 6,519 |
| Provision for loan and lease losses | $1,560,000 | 2,110 |
| Total noninterest income | $176,000 | 6,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $176,000 | 5,052 |
| Total noninterest expense | $2,303,000 | 5,849 |
| Salaries and employee benefits | $1,047,000 | 6,309 |
| Premises and equipment expense | $730,000 | 3,406 |
| Additional noninterest expense | $526,000 | 6,519 |
| Pre-tax net operating income | $-1,777,000 | 7,294 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-1,777,000 | 7,316 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,777,000 | 7,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $890,000 | 2,093 |
| Cash dividends | $2,500,000 | 1,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,777,000 | 7,410 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,461,000 | 5,749 |
| Total interest expense | $1,981,000 | 4,735 |
| Net interest income | $1,480,000 | 6,493 |
| Provision for loan and lease losses | $1,335,000 | 1,542 |
| Total noninterest income | $161,000 | 6,489 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $161,000 | 4,833 |
| Total noninterest expense | $1,701,000 | 5,885 |
| Salaries and employee benefits | $785,000 | 6,329 |
| Premises and equipment expense | $544,000 | 3,441 |
| Additional noninterest expense | $372,000 | 6,629 |
| Pre-tax net operating income | $-1,395,000 | 7,704 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,395,000 | 7,668 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,395,000 | 7,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $587,000 | 1,788 |
| Cash dividends | $2,500,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,395,000 | 7,767 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,388,000 | 5,735 |
| Total interest expense | $1,368,000 | 4,759 |
| Net interest income | $1,020,000 | 6,437 |
| Provision for loan and lease losses | $650,000 | 1,606 |
| Total noninterest income | $120,000 | 6,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $120,000 | 4,732 |
| Total noninterest expense | $1,149,000 | 5,896 |
| Salaries and employee benefits | $523,000 | 6,380 |
| Premises and equipment expense | $368,000 | 3,432 |
| Additional noninterest expense | $258,000 | 6,572 |
| Pre-tax net operating income | $-659,000 | 7,718 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-659,000 | 7,811 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-659,000 | 7,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $2,500,000 | 650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-659,000 | 7,790 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,245,000 | 5,718 |
| Total interest expense | $737,000 | 4,745 |
| Net interest income | $508,000 | 6,472 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $55,000 | 6,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $55,000 | 4,866 |
| Total noninterest expense | $559,000 | 6,006 |
| Salaries and employee benefits | $263,000 | 6,404 |
| Premises and equipment expense | $186,000 | 3,416 |
| Additional noninterest expense | $110,000 | 6,901 |
| Pre-tax net operating income | $-26,000 | 7,313 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-26,000 | 7,418 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-26,000 | 7,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $2,500,000 | 349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-26,000 | 7,350 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,290,000 | 6,084 |
| Total interest expense | $2,396,000 | 5,382 |
| Net interest income | $1,894,000 | 6,634 |
| Provision for loan and lease losses | $315,000 | 3,099 |
| Total noninterest income | $189,000 | 6,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $189,000 | 5,183 |
| Total noninterest expense | $1,707,000 | 6,602 |
| Salaries and employee benefits | $861,000 | 6,819 |
| Premises and equipment expense | $554,000 | 4,063 |
| Additional noninterest expense | $292,000 | 7,571 |
| Pre-tax net operating income | $61,000 | 7,261 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $61,000 | 7,290 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $61,000 | 7,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,742 |
| Cash dividends | $3,500,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $61,000 | 7,259 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,929,000 | 6,311 |
| Total interest expense | $1,600,000 | 5,704 |
| Net interest income | $1,329,000 | 6,829 |
| Provision for loan and lease losses | $60,000 | 4,834 |
| Total noninterest income | $130,000 | 6,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $130,000 | 5,342 |
| Total noninterest expense | $1,088,000 | 6,980 |
| Salaries and employee benefits | $557,000 | 7,108 |
| Premises and equipment expense | $357,000 | 4,484 |
| Additional noninterest expense | $174,000 | 7,848 |
| Pre-tax net operating income | $311,000 | 6,520 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $311,000 | 6,264 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $311,000 | 6,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $3,500,000 | 764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $311,000 | 6,255 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,488,000 | 6,933 |
| Total interest expense | $795,000 | 6,373 |
| Net interest income | $693,000 | 7,370 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $63,000 | 7,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $63,000 | 5,922 |
| Total noninterest expense | $482,000 | 7,742 |
| Salaries and employee benefits | $251,000 | 7,830 |
| Premises and equipment expense | $171,000 | 5,493 |
| Additional noninterest expense | $60,000 | 8,420 |
| Pre-tax net operating income | $244,000 | 6,389 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $244,000 | 6,056 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $244,000 | 6,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $244,000 | 6,041 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,429,000 | 5,414 |
| Total interest expense | $763,000 | 4,716 |
| Net interest income | $666,000 | 5,880 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $55,000 | 6,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $55,000 | 4,922 |
| Total noninterest expense | $503,000 | 6,271 |
| Salaries and employee benefits | $231,000 | 6,718 |
| Premises and equipment expense | $180,000 | 3,387 |
| Additional noninterest expense | $92,000 | 7,237 |
| Pre-tax net operating income | $198,000 | 5,538 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $198,000 | 5,084 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $198,000 | 5,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $911,000 | 872 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $198,000 | 5,074 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,624,000 | 5,209 |
| Total interest expense | $2,725,000 | 4,566 |
| Net interest income | $2,899,000 | 5,625 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $252,000 | 6,515 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $252,000 | 4,633 |
| Total noninterest expense | $1,877,000 | 6,329 |
| Salaries and employee benefits | $900,000 | 6,658 |
| Premises and equipment expense | $665,000 | 3,473 |
| Additional noninterest expense | $312,000 | 7,517 |
| Pre-tax net operating income | $1,154,000 | 4,869 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,154,000 | 4,369 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,154,000 | 4,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $390,000 | 4,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,154,000 | 4,347 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,182,000 | 5,228 |
| Total interest expense | $1,987,000 | 4,564 |
| Net interest income | $2,195,000 | 5,654 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $188,000 | 6,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $188,000 | 4,663 |
| Total noninterest expense | $1,381,000 | 6,388 |
| Salaries and employee benefits | $656,000 | 6,726 |
| Premises and equipment expense | $499,000 | 3,480 |
| Additional noninterest expense | $226,000 | 7,587 |
| Pre-tax net operating income | $912,000 | 4,926 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $912,000 | 4,385 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $912,000 | 4,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $390,000 | 3,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $912,000 | 4,376 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,704,000 | 5,295 |
| Total interest expense | $1,261,000 | 4,572 |
| Net interest income | $1,443,000 | 5,716 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $123,000 | 6,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $123,000 | 4,696 |
| Total noninterest expense | $887,000 | 6,516 |
| Salaries and employee benefits | $425,000 | 6,831 |
| Premises and equipment expense | $317,000 | 3,616 |
| Additional noninterest expense | $145,000 | 7,671 |
| Pre-tax net operating income | $619,000 | 4,912 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $619,000 | 4,357 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $619,000 | 4,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $390,000 | 2,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $619,000 | 4,349 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,283,000 | 5,397 |
| Total interest expense | $569,000 | 4,737 |
| Net interest income | $714,000 | 5,748 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $57,000 | 6,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $57,000 | 4,857 |
| Total noninterest expense | $443,000 | 6,518 |
| Salaries and employee benefits | $214,000 | 6,824 |
| Premises and equipment expense | $158,000 | 3,627 |
| Additional noninterest expense | $71,000 | 7,703 |
| Pre-tax net operating income | $298,000 | 4,992 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $298,000 | 4,438 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $298,000 | 4,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $390,000 | 1,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $298,000 | 4,428 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,038,000 | 5,801 |
| Total interest expense | $1,403,000 | 5,407 |
| Net interest income | $2,635,000 | 5,903 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $265,000 | 6,562 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $265,000 | 4,606 |
| Total noninterest expense | $1,453,000 | 6,969 |
| Salaries and employee benefits | $648,000 | 7,456 |
| Premises and equipment expense | $492,000 | 4,233 |
| Additional noninterest expense | $313,000 | 7,570 |
| Pre-tax net operating income | $1,327,000 | 4,673 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,327,000 | 4,096 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,327,000 | 4,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,723 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,327,000 | 4,068 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 5,971 |
| Total interest expense | $917,000 | 5,685 |
| Net interest income | $1,907,000 | 6,027 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $195,000 | 6,635 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $195,000 | 4,652 |
| Total noninterest expense | $1,038,000 | 7,083 |
| Salaries and employee benefits | $468,000 | 7,511 |
| Premises and equipment expense | $348,000 | 4,381 |
| Additional noninterest expense | $222,000 | 7,672 |
| Pre-tax net operating income | $974,000 | 4,833 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $974,000 | 4,232 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $974,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,033 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $974,000 | 4,182 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,686,000 | 6,226 |
| Total interest expense | $505,000 | 6,019 |
| Net interest income | $1,181,000 | 6,235 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $122,000 | 6,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $122,000 | 4,775 |
| Total noninterest expense | $616,000 | 7,338 |
| Salaries and employee benefits | $275,000 | 7,742 |
| Premises and equipment expense | $205,000 | 4,749 |
| Additional noninterest expense | $136,000 | 7,789 |
| Pre-tax net operating income | $627,000 | 4,894 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $627,000 | 4,304 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $627,000 | 4,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $627,000 | 4,247 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $748,000 | 6,575 |
| Total interest expense | $215,000 | 6,358 |
| Net interest income | $533,000 | 6,537 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $53,000 | 6,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,055 |
| Total noninterest expense | $280,000 | 7,587 |
| Salaries and employee benefits | $133,000 | 7,856 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $59,000 | 8,074 |
| Pre-tax net operating income | $276,000 | 5,208 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $276,000 | 4,598 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $276,000 | 4,599 |
| 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 | $276,000 | 4,553 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,622,000 | 7,768 |
| Total interest expense | $316,000 | 8,022 |
| Net interest income | $1,306,000 | 7,591 |
| Provision for loan and lease losses | $129,000 | 4,503 |
| Total noninterest income | $188,000 | 7,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $188,000 | 5,230 |
| Total noninterest expense | $1,106,000 | 7,611 |
| Salaries and employee benefits | $553,000 | 7,831 |
| Premises and equipment expense | $348,000 | 5,238 |
| Additional noninterest expense | $205,000 | 8,278 |
| Pre-tax net operating income | $259,000 | 7,579 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $259,000 | 7,395 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $259,000 | 7,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $259,000 | 7,344 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,022,000 | 8,083 |
| Total interest expense | $178,000 | 8,384 |
| Net interest income | $844,000 | 7,882 |
| Provision for loan and lease losses | $99,000 | 4,319 |
| Total noninterest income | $138,000 | 7,340 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $138,000 | 5,303 |
| Total noninterest expense | $792,000 | 7,664 |
| Salaries and employee benefits | $388,000 | 7,907 |
| Premises and equipment expense | $260,000 | 5,221 |
| Additional noninterest expense | $144,000 | 8,359 |
| Pre-tax net operating income | $91,000 | 8,163 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $91,000 | 8,128 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $91,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $91,000 | 8,077 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $530,000 | 8,444 |
| Total interest expense | $84,000 | 8,672 |
| Net interest income | $446,000 | 8,275 |
| Provision for loan and lease losses | $68,000 | 4,156 |
| Total noninterest income | $81,000 | 7,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $81,000 | 5,579 |
| Total noninterest expense | $514,000 | 7,772 |
| Salaries and employee benefits | $251,000 | 8,013 |
| Premises and equipment expense | $167,000 | 5,367 |
| Additional noninterest expense | $96,000 | 8,397 |
| Pre-tax net operating income | $-55,000 | 8,633 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-55,000 | 8,670 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-55,000 | 8,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-55,000 | 8,639 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $191,000 | 8,739 |
| Total interest expense | $27,000 | 8,886 |
| Net interest income | $164,000 | 8,625 |
| Provision for loan and lease losses | $33,000 | 3,984 |
| Total noninterest income | $28,000 | 8,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $28,000 | 6,237 |
| Total noninterest expense | $253,000 | 7,863 |
| Salaries and employee benefits | $124,000 | 8,056 |
| Premises and equipment expense | $82,000 | 5,449 |
| Additional noninterest expense | $47,000 | 8,471 |
| Pre-tax net operating income | $-94,000 | 8,792 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-94,000 | 8,828 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-94,000 | 8,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-94,000 | 8,795 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $62,000 | 9,130 |
| Total interest expense | $10,000 | 9,102 |
| Net interest income | $52,000 | 9,121 |
| Provision for loan and lease losses | $31,000 | 6,757 |
| Total noninterest income | $8,000 | 9,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,000 | 8,827 |
| Total noninterest expense | $247,000 | 9,108 |
| Salaries and employee benefits | $108,000 | 9,112 |
| Premises and equipment expense | $53,000 | 8,720 |
| Additional noninterest expense | $86,000 | 9,046 |
| Pre-tax net operating income | $-218,000 | 8,700 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-218,000 | 8,789 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-218,000 | 8,792 |
| 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 | $5,935,000 | 172 |
| Net operating income | $-218,000 | 8,720 |
* 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.