Baytree National Bank & Trust Company, Income and Expense

2014-12-31 (YTD Data)Rank
Total interest income$4,320,0004,302
Total interest expense$414,0004,386
Net interest income$3,906,0004,253
Provision for loan and lease losses$1,464,000635
Total noninterest income$5,299,0001,061
Gross Fiduciary activities income$11,0001,064
Service charges on deposit accounts$93,0005,097
Trading account gains and fees$0180
Additional Noninterest Income$5,195,000732
Total noninterest expense$7,425,0002,474
Salaries and employee benefits$2,615,0003,385
Premises and equipment expense$1,000,0002,238
Additional noninterest expense$3,810,0001,634
Pre-tax net operating income$316,0005,449
Securities gains (losses)$03,259
Applicable income taxes$04,531
Income before extraordinary items$316,0005,364
Extraordinary gains, net$017
Net income$316,0005,363
Minority interest net income$084
Net income of bank and minority interests.$316,0005,364
Net charge-offs$2,323,000438
Cash dividends$04,358
Sale, conversion, retirement of capital stock, net$0862
Net operating income$316,0005,316
2014-09-30 (YTD Data)Rank
Total interest income$3,900,0003,905
Total interest expense$318,0004,397
Net interest income$3,582,0003,800
Provision for loan and lease losses$1,450,000471
Total noninterest income$1,740,0001,912
Gross Fiduciary activities income$10,0001,033
Service charges on deposit accounts$68,0005,201
Trading account gains and fees$0174
Additional Noninterest Income$1,662,0001,359
Total noninterest expense$6,169,0002,282
Salaries and employee benefits$2,229,0003,121
Premises and equipment expense$770,0002,211
Additional noninterest expense$3,170,0001,500
Pre-tax net operating income$-2,297,0006,540
Securities gains (losses)$02,980
Applicable income taxes$04,583
Income before extraordinary items$-2,297,0006,533
Extraordinary gains, net$015
Net income$-2,297,0006,532
Minority interest net income$081
Net income of bank and minority interests.$-2,297,0006,532
Net charge-offs$1,925,000400
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$0819
Net operating income$-2,297,0006,536
2014-06-30 (YTD Data)Rank
Total interest income$2,721,0003,787
Total interest expense$218,0004,382
Net interest income$2,503,0003,659
Provision for loan and lease losses$1,114,000415
Total noninterest income$1,253,0001,774
Gross Fiduciary activities income$7,0001,032
Service charges on deposit accounts$44,0005,248
Trading account gains and fees$0172
Additional Noninterest Income$1,202,0001,284
Total noninterest expense$4,141,0002,268
Salaries and employee benefits$1,580,0003,016
Premises and equipment expense$514,0002,224
Additional noninterest expense$2,047,0001,537
Pre-tax net operating income$-1,499,0006,610
Securities gains (losses)$02,580
Applicable income taxes$04,568
Income before extraordinary items$-1,499,0006,612
Extraordinary gains, net$020
Net income$-1,499,0006,612
Minority interest net income$080
Net income of bank and minority interests.$-1,499,0006,612
Net charge-offs$1,738,000324
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$-1,499,0006,610
2014-03-31 (YTD Data)Rank
Total interest income$1,459,0003,636
Total interest expense$118,0004,285
Net interest income$1,341,0003,525
Provision for loan and lease losses$520,000438
Total noninterest income$389,0002,415
Gross Fiduciary activities income$5,0001,003
Service charges on deposit accounts$21,0005,305
Trading account gains and fees$0147
Additional Noninterest Income$363,0001,781
Total noninterest expense$2,049,0002,285
Salaries and employee benefits$840,0002,889
Premises and equipment expense$284,0002,094
Additional noninterest expense$925,0001,656
Pre-tax net operating income$-839,0006,676
Securities gains (losses)$01,715
Applicable income taxes$04,445
Income before extraordinary items$-839,0006,677
Extraordinary gains, net$016
Net income$-839,0006,677
Minority interest net income$066
Net income of bank and minority interests.$-839,0006,677
Net charge-offs$1,027,000293
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$-839,0006,675
2013-12-31 (YTD Data)Rank
Total interest income$6,082,0003,581
Total interest expense$673,0003,840
Net interest income$5,409,0003,510
Provision for loan and lease losses$1,721,000702
Total noninterest income$4,475,0001,229
Gross Fiduciary activities income$8,0001,129
Service charges on deposit accounts$118,0004,986
Trading account gains and fees$0184
Additional Noninterest Income$4,349,000897
Total noninterest expense$10,477,0001,821
Salaries and employee benefits$4,667,0002,194
Premises and equipment expense$1,227,0001,878
Additional noninterest expense$4,583,0001,450
Pre-tax net operating income$-2,314,0006,682
Securities gains (losses)$03,182
Applicable income taxes$04,631
Income before extraordinary items$-2,314,0006,687
Extraordinary gains, net$029
Net income$-2,314,0006,687
Minority interest net income$090
Net income of bank and minority interests.$-2,314,0006,687
Net charge-offs$2,331,000669
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$0924
Net operating income$-2,314,0006,680
2013-09-30 (YTD Data)Rank
Total interest income$4,534,0003,638
Total interest expense$523,0003,835
Net interest income$4,011,0003,564
Provision for loan and lease losses$1,432,000669
Total noninterest income$3,892,0001,121
Gross Fiduciary activities income$8,0001,078
Service charges on deposit accounts$94,0004,928
Trading account gains and fees$0180
Additional Noninterest Income$3,790,000817
Total noninterest expense$7,942,0001,810
Salaries and employee benefits$3,662,0002,087
Premises and equipment expense$904,0001,920
Additional noninterest expense$3,376,0001,465
Pre-tax net operating income$-1,471,0006,748
Securities gains (losses)$03,040
Applicable income taxes$04,713
Income before extraordinary items$-1,471,0006,758
Extraordinary gains, net$025
Net income$-1,471,0006,759
Minority interest net income$084
Net income of bank and minority interests.$-1,471,0006,759
Net charge-offs$1,372,000793
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-1,471,0006,750
2013-06-30 (YTD Data)Rank
Total interest income$3,010,0003,650
Total interest expense$352,0003,887
Net interest income$2,658,0003,562
Provision for loan and lease losses$1,162,000599
Total noninterest income$2,702,0001,100
Gross Fiduciary activities income$5,0001,085
Service charges on deposit accounts$66,0004,822
Trading account gains and fees$0157
Additional Noninterest Income$2,631,000812
Total noninterest expense$5,469,0001,760
Salaries and employee benefits$2,577,0001,999
Premises and equipment expense$608,0001,903
Additional noninterest expense$2,284,0001,431
Pre-tax net operating income$-1,271,0006,822
Securities gains (losses)$02,791
Applicable income taxes$04,679
Income before extraordinary items$-1,271,0006,843
Extraordinary gains, net$022
Net income$-1,271,0006,844
Minority interest net income$082
Net income of bank and minority interests.$-1,271,0006,844
Net charge-offs$943,000800
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$0838
Net operating income$-1,271,0006,835
2013-03-31 (YTD Data)Rank
Total interest income$1,556,0003,604
Total interest expense$185,0003,852
Net interest income$1,371,0003,519
Provision for loan and lease losses$841,000471
Total noninterest income$1,323,0001,108
Gross Fiduciary activities income$3,0001,052
Service charges on deposit accounts$30,0004,965
Trading account gains and fees$0148
Additional Noninterest Income$1,290,000823
Total noninterest expense$2,955,0001,642
Salaries and employee benefits$1,467,0001,777
Premises and equipment expense$307,0001,928
Additional noninterest expense$1,181,0001,380
Pre-tax net operating income$-1,102,0006,940
Securities gains (losses)$01,966
Applicable income taxes$04,602
Income before extraordinary items$-1,102,0006,952
Extraordinary gains, net$010
Net income$-1,102,0006,953
Minority interest net income$076
Net income of bank and minority interests.$-1,102,0006,953
Net charge-offs$655,000640
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$-1,102,0006,940
2012-12-31 (YTD Data)Rank
Total interest income$9,778,0002,620
Total interest expense$2,089,0002,059
Net interest income$7,689,0002,750
Provision for loan and lease losses$3,225,000723
Total noninterest income$10,056,000682
Gross Fiduciary activities income$10,0001,127
Service charges on deposit accounts$150,0004,784
Trading account gains and fees$0166
Additional Noninterest Income$9,896,000494
Total noninterest expense$13,463,0001,458
Salaries and employee benefits$6,432,0001,575
Premises and equipment expense$1,317,0001,797
Additional noninterest expense$5,714,0001,204
Pre-tax net operating income$1,057,0003,935
Securities gains (losses)$03,810
Applicable income taxes$04,751
Income before extraordinary items$1,057,0003,789
Extraordinary gains, net$029
Net income$-863,0006,684
Minority interest net income$1,920,00023
Net income of bank and minority interests.$1,057,0003,791
Net charge-offs$3,549,000757
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$1,057,0003,630
2012-09-30 (YTD Data)Rank
Total interest income$8,018,0002,454
Total interest expense$1,758,0001,944
Net interest income$6,260,0002,616
Provision for loan and lease losses$2,548,000703
Total noninterest income$5,240,000878
Gross Fiduciary activities income$8,0001,101
Service charges on deposit accounts$114,0004,838
Trading account gains and fees$0157
Additional Noninterest Income$5,118,000626
Total noninterest expense$9,975,0001,477
Salaries and employee benefits$5,065,0001,499
Premises and equipment expense$1,007,0001,763
Additional noninterest expense$3,903,0001,301
Pre-tax net operating income$-1,023,0006,837
Securities gains (losses)$03,575
Applicable income taxes$04,802
Income before extraordinary items$-1,023,0006,888
Extraordinary gains, net$020
Net income$-2,841,0007,042
Minority interest net income$1,818,00021
Net income of bank and minority interests.$-1,023,0006,886
Net charge-offs$2,621,000749
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$-1,023,0006,853
2012-06-30 (YTD Data)Rank
Total interest income$5,594,0002,379
Total interest expense$1,252,0001,874
Net interest income$4,342,0002,506
Provision for loan and lease losses$2,124,000612
Total noninterest income$4,364,000751
Gross Fiduciary activities income$5,0001,115
Service charges on deposit accounts$81,0004,712
Trading account gains and fees$0153
Additional Noninterest Income$4,278,000533
Total noninterest expense$7,091,0001,392
Salaries and employee benefits$3,745,0001,378
Premises and equipment expense$699,0001,692
Additional noninterest expense$2,647,0001,281
Pre-tax net operating income$-509,0006,820
Securities gains (losses)$03,178
Applicable income taxes$04,770
Income before extraordinary items$-509,0006,869
Extraordinary gains, net$019
Net income$-1,949,0007,105
Minority interest net income$1,440,00019
Net income of bank and minority interests.$-509,0006,870
Net charge-offs$2,417,000599
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$-509,0006,831
2012-03-31 (YTD Data)Rank
Total interest income$3,053,0002,212
Total interest expense$650,0001,876
Net interest income$2,403,0002,281
Provision for loan and lease losses$1,429,000468
Total noninterest income$1,980,000787
Gross Fiduciary activities income$3,0001,077
Service charges on deposit accounts$42,0004,617
Trading account gains and fees$0148
Additional Noninterest Income$1,935,000566
Total noninterest expense$3,737,0001,326
Salaries and employee benefits$2,069,0001,261
Premises and equipment expense$370,0001,606
Additional noninterest expense$1,298,0001,293
Pre-tax net operating income$-783,0007,130
Securities gains (losses)$02,210
Applicable income taxes$04,704
Income before extraordinary items$-783,0007,147
Extraordinary gains, net$019
Net income$-1,444,0007,212
Minority interest net income$661,00016
Net income of bank and minority interests.$-783,0007,147
Net charge-offs$867,000735
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$-783,0007,139
2011-12-31 (YTD Data)Rank
Total interest income$11,807,0002,352
Total interest expense$3,577,0001,669
Net interest income$8,230,0002,655
Provision for loan and lease losses$5,497,000725
Total noninterest income$7,235,000786
Gross Fiduciary activities income$8,0001,120
Service charges on deposit accounts$132,0005,096
Trading account gains and fees$0146
Additional Noninterest Income$7,095,000543
Total noninterest expense$14,411,0001,358
Salaries and employee benefits$7,839,0001,259
Premises and equipment expense$1,475,0001,680
Additional noninterest expense$5,097,0001,356
Pre-tax net operating income$-4,443,0007,023
Securities gains (losses)$03,838
Applicable income taxes$04,719
Income before extraordinary items$-4,443,0007,044
Extraordinary gains, net$029
Net income$-7,234,0007,149
Minority interest net income$2,791,00020
Net income of bank and minority interests.$-4,443,0007,045
Net charge-offs$4,811,000824
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$-4,443,0007,031
2011-09-30 (YTD Data)Rank
Total interest income$8,734,0002,427
Total interest expense$2,797,0001,677
Net interest income$5,937,0002,773
Provision for loan and lease losses$4,028,000734
Total noninterest income$4,833,000864
Gross Fiduciary activities income$6,0001,085
Service charges on deposit accounts$94,0005,214
Trading account gains and fees$0145
Additional Noninterest Income$4,733,000593
Total noninterest expense$10,034,0001,454
Salaries and employee benefits$5,307,0001,401
Premises and equipment expense$1,100,0001,724
Additional noninterest expense$3,627,0001,426
Pre-tax net operating income$-3,292,0007,126
Securities gains (losses)$03,555
Applicable income taxes$04,740
Income before extraordinary items$-3,292,0007,172
Extraordinary gains, net$021
Net income$-5,420,0007,264
Minority interest net income$2,128,00018
Net income of bank and minority interests.$-3,292,0007,173
Net charge-offs$4,155,000731
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$-3,292,0007,157
2011-06-30 (YTD Data)Rank
Total interest income$5,829,0002,437
Total interest expense$1,919,0001,695
Net interest income$3,910,0002,801
Provision for loan and lease losses$605,0002,035
Total noninterest income$3,405,000830
Gross Fiduciary activities income$5,0001,073
Service charges on deposit accounts$62,0005,219
Trading account gains and fees$0153
Additional Noninterest Income$3,338,000575
Total noninterest expense$6,520,0001,513
Salaries and employee benefits$3,372,0001,484
Premises and equipment expense$734,0001,729
Additional noninterest expense$2,414,0001,454
Pre-tax net operating income$190,0005,172
Securities gains (losses)$02,914
Applicable income taxes$04,697
Income before extraordinary items$190,0005,101
Extraordinary gains, net$015
Net income$-1,231,0007,093
Minority interest net income$1,421,00020
Net income of bank and minority interests.$190,0005,101
Net charge-offs$1,193,0001,327
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$190,0005,003
2011-03-31 (YTD Data)Rank
Total interest income$3,030,0002,365
Total interest expense$961,0001,744
Net interest income$2,069,0002,648
Provision for loan and lease losses$-155,0007,515
Total noninterest income$1,639,000848
Gross Fiduciary activities income$3,0001,053
Service charges on deposit accounts$26,0005,445
Trading account gains and fees$0158
Additional Noninterest Income$1,610,000595
Total noninterest expense$3,206,0001,534
Salaries and employee benefits$1,624,0001,552
Premises and equipment expense$356,0001,822
Additional noninterest expense$1,226,0001,428
Pre-tax net operating income$657,0002,071
Securities gains (losses)$01,772
Applicable income taxes$04,545
Income before extraordinary items$657,0001,776
Extraordinary gains, net$09
Net income$-139,0006,791
Minority interest net income$796,00021
Net income of bank and minority interests.$657,0001,776
Net charge-offs$460,0001,404
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$657,0001,722
2010-12-31 (YTD Data)Rank
Total interest income$10,323,0002,884
Total interest expense$4,543,0001,784
Net interest income$5,780,0003,572
Provision for loan and lease losses$2,705,0001,731
Total noninterest income$5,985,000934
Gross Fiduciary activities income$10,0001,147
Service charges on deposit accounts$83,0005,722
Trading account gains and fees$0175
Additional Noninterest Income$5,892,000658
Total noninterest expense$10,898,0001,805
Salaries and employee benefits$5,360,0001,805
Premises and equipment expense$1,379,0001,867
Additional noninterest expense$4,159,0001,731
Pre-tax net operating income$-1,838,0006,731
Securities gains (losses)$03,793
Applicable income taxes$04,655
Income before extraordinary items$-1,838,0006,818
Extraordinary gains, net$029
Net income$-4,177,0007,118
Minority interest net income$2,339,00020
Net income of bank and minority interests.$-1,838,0006,819
Net charge-offs$672,0003,230
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$-1,838,0006,789
2010-09-30 (YTD Data)Rank
Total interest income$8,860,0002,590
Total interest expense$3,445,0001,830
Net interest income$5,415,0003,029
Provision for loan and lease losses$1,629,0001,878
Total noninterest income$3,146,0001,214
Gross Fiduciary activities income$8,0001,127
Service charges on deposit accounts$62,0005,806
Trading account gains and fees$0165
Additional Noninterest Income$3,076,000814
Total noninterest expense$8,050,0001,820
Salaries and employee benefits$4,143,0001,770
Premises and equipment expense$1,013,0001,917
Additional noninterest expense$2,894,0001,828
Pre-tax net operating income$-1,118,0006,830
Securities gains (losses)$03,651
Applicable income taxes$04,726
Income before extraordinary items$-1,118,0006,941
Extraordinary gains, net$023
Net income$-2,605,0007,226
Minority interest net income$1,487,00023
Net income of bank and minority interests.$-1,118,0006,941
Net charge-offs$470,0003,169
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$-1,118,0006,901
2010-06-30 (YTD Data)Rank
Total interest income$5,561,0002,780
Total interest expense$2,251,0001,928
Net interest income$3,310,0003,258
Provision for loan and lease losses$1,140,0001,808
Total noninterest income$2,021,0001,225
Gross Fiduciary activities income$5,0001,142
Service charges on deposit accounts$35,0006,033
Trading account gains and fees$0152
Additional Noninterest Income$1,981,000810
Total noninterest expense$5,100,0001,928
Salaries and employee benefits$2,766,0001,774
Premises and equipment expense$652,0001,993
Additional noninterest expense$1,682,0002,042
Pre-tax net operating income$-909,0006,967
Securities gains (losses)$03,184
Applicable income taxes$04,691
Income before extraordinary items$-909,0007,058
Extraordinary gains, net$019
Net income$-1,791,0007,304
Minority interest net income$882,00025
Net income of bank and minority interests.$-909,0007,058
Net charge-offs$259,0003,228
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-909,0007,026
2010-03-31 (YTD Data)Rank
Total interest income$2,308,0003,305
Total interest expense$947,0002,376
Net interest income$1,361,0003,802
Provision for loan and lease losses$543,0001,748
Total noninterest income$875,0001,364
Gross Fiduciary activities income$2,0001,137
Service charges on deposit accounts$16,0006,154
Trading account gains and fees$0175
Additional Noninterest Income$857,000893
Total noninterest expense$2,141,0002,279
Salaries and employee benefits$1,217,0002,027
Premises and equipment expense$286,0002,303
Additional noninterest expense$638,0002,564
Pre-tax net operating income$-448,0007,142
Securities gains (losses)$02,284
Applicable income taxes$04,611
Income before extraordinary items$-448,0007,220
Extraordinary gains, net$016
Net income$-928,0007,447
Minority interest net income$480,00023
Net income of bank and minority interests.$-448,0007,221
Net charge-offs$05,610
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$-448,0007,199
2009-12-31 (YTD Data)Rank
Total interest income$14,529,0002,295
Total interest expense$7,280,0001,627
Net interest income$7,249,0002,974
Provision for loan and lease losses$9,963,000876
Total noninterest income$4,016,0001,298
Gross Fiduciary activities income$27,0001,047
Service charges on deposit accounts$113,0005,582
Trading account gains and fees$0211
Additional Noninterest Income$3,876,000873
Total noninterest expense$15,135,0001,354
Salaries and employee benefits$7,483,0001,338
Premises and equipment expense$2,201,0001,238
Additional noninterest expense$5,451,0001,370
Pre-tax net operating income$-13,833,0007,604
Securities gains (losses)$8,0003,320
Applicable income taxes$04,388
Income before extraordinary items$-13,825,0007,654
Extraordinary gains, net$034
Net income$-14,314,0007,664
Minority interest net income$489,00046
Net income of bank and minority interests.$-13,825,0007,653
Net charge-offs$5,550,0001,057
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-13,833,0007,649
2009-09-30 (YTD Data)Rank
Total interest income$11,349,0002,240
Total interest expense$5,730,0001,618
Net interest income$5,619,0002,887
Provision for loan and lease losses$7,568,000779
Total noninterest income$2,633,0001,460
Gross Fiduciary activities income$25,000996
Service charges on deposit accounts$88,0005,573
Trading account gains and fees$0212
Additional Noninterest Income$2,520,000984
Total noninterest expense$11,796,0001,301
Salaries and employee benefits$5,846,0001,287
Premises and equipment expense$1,667,0001,239
Additional noninterest expense$4,283,0001,281
Pre-tax net operating income$-11,112,0007,770
Securities gains (losses)$8,0003,037
Applicable income taxes$04,592
Income before extraordinary items$-11,104,0007,801
Extraordinary gains, net$027
Net income$-11,326,0007,809
Minority interest net income$222,00052
Net income of bank and minority interests.$-11,104,0007,800
Net charge-offs$5,048,000810
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-11,112,0007,806
2009-06-30 (YTD Data)Rank
Total interest income$7,878,0002,213
Total interest expense$3,937,0001,653
Net interest income$3,941,0002,762
Provision for loan and lease losses$4,579,000799
Total noninterest income$1,618,0001,557
Gross Fiduciary activities income$21,000974
Service charges on deposit accounts$63,0005,461
Trading account gains and fees$0193
Additional Noninterest Income$1,534,0001,071
Total noninterest expense$7,430,0001,397
Salaries and employee benefits$4,025,0001,263
Premises and equipment expense$1,086,0001,291
Additional noninterest expense$2,319,0001,579
Pre-tax net operating income$-6,450,0007,813
Securities gains (losses)$8,0002,641
Applicable income taxes$04,657
Income before extraordinary items$-6,442,0007,857
Extraordinary gains, net$021
Net income$-6,350,0007,856
Minority interest net income$-92,0008,183
Net income of bank and minority interests.$-6,442,0007,856
Net charge-offs$1,906,0001,153
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-6,450,0007,868
2009-03-31 (YTD Data)Rank
Total interest income$3,787,0002,306
Total interest expense$1,992,0001,706
Net interest income$1,795,0002,983
Provision for loan and lease losses$1,825,000797
Total noninterest income$1,018,0001,265
Gross Fiduciary activities income$11,000984
Service charges on deposit accounts$37,0005,156
Trading account gains and fees$0171
Additional Noninterest Income$970,000873
Total noninterest expense$3,305,0001,514
Salaries and employee benefits$1,766,0001,484
Premises and equipment expense$410,0001,719
Additional noninterest expense$1,129,0001,443
Pre-tax net operating income$-2,317,0007,868
Securities gains (losses)$8,0001,969
Applicable income taxes$04,835
Income before extraordinary items$-2,309,0007,927
Extraordinary gains, net$015
Net income$-2,454,0007,937
Minority interest net income$145,00043
Net income of bank and minority interests.$-2,309,0007,928
Net charge-offs$892,0001,019
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-2,317,0007,930
2008-12-31 (YTD Data)Rank
Total interest income$15,817,0002,358
Total interest expense$7,918,0001,991
Net interest income$7,899,0002,744
Provision for loan and lease losses$3,056,0001,372
Total noninterest income$3,827,0001,309
Gross Fiduciary activities income$14,0001,164
Service charges on deposit accounts$156,0005,243
Trading account gains and fees$0154
Additional Noninterest Income$3,657,000833
Total noninterest expense$11,930,0001,639
Salaries and employee benefits$5,764,0001,769
Premises and equipment expense$1,676,0001,646
Additional noninterest expense$4,490,0001,382
Pre-tax net operating income$-3,260,0007,632
Securities gains (losses)$03,220
Applicable income taxes$04,979
Income before extraordinary items$-3,260,0007,648
Extraordinary gains, net$039
Net income$-3,260,0007,646
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,730,0001,412
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$1,353,000382
Net operating income$-3,260,0007,716
2008-09-30 (YTD Data)Rank
Total interest income$12,070,0002,368
Total interest expense$5,872,0002,082
Net interest income$6,198,0002,651
Provision for loan and lease losses$1,247,0001,609
Total noninterest income$2,763,0001,393
Gross Fiduciary activities income$7,0001,205
Service charges on deposit accounts$115,0005,300
Trading account gains and fees$0148
Additional Noninterest Income$2,641,000895
Total noninterest expense$8,629,0001,691
Salaries and employee benefits$4,243,0001,827
Premises and equipment expense$1,269,0001,641
Additional noninterest expense$3,117,0001,440
Pre-tax net operating income$-915,0007,481
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$-915,0007,463
Extraordinary gains, net$031
Net income$-915,0007,461
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,040,0001,268
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$1,352,000264
Net operating income$-915,0007,579
2008-06-30 (YTD Data)Rank
Total interest income$7,949,0002,430
Total interest expense$3,955,0002,139
Net interest income$3,994,0002,705
Provision for loan and lease losses$854,0001,354
Total noninterest income$1,852,0001,405
Gross Fiduciary activities income$5,0001,218
Service charges on deposit accounts$77,0005,329
Trading account gains and fees$0149
Additional Noninterest Income$1,770,000920
Total noninterest expense$5,868,0001,656
Salaries and employee benefits$2,923,0001,782
Premises and equipment expense$892,0001,567
Additional noninterest expense$2,053,0001,427
Pre-tax net operating income$-876,0007,842
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-876,0007,939
Extraordinary gains, net$021
Net income$-876,0007,938
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$701,0001,065
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$1,351,000185
Net operating income$-876,0007,920
2008-03-31 (YTD Data)Rank
Total interest income$4,053,0002,447
Total interest expense$2,093,0002,161
Net interest income$1,960,0002,751
Provision for loan and lease losses$338,0001,281
Total noninterest income$1,105,0001,231
Gross Fiduciary activities income$3,0001,170
Service charges on deposit accounts$38,0005,321
Trading account gains and fees$0158
Additional Noninterest Income$1,064,000818
Total noninterest expense$3,066,0001,574
Salaries and employee benefits$1,541,0001,707
Premises and equipment expense$441,0001,583
Additional noninterest expense$1,084,0001,325
Pre-tax net operating income$-339,0007,946
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-339,0008,027
Extraordinary gains, net$015
Net income$-339,0008,026
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$337,000908
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-339,0007,997
2007-12-31 (YTD Data)Rank
Total interest income$17,461,0002,361
Total interest expense$9,497,0002,018
Net interest income$7,964,0002,738
Provision for loan and lease losses$1,791,000922
Total noninterest income$6,380,000898
Gross Fiduciary activities income$9,0001,270
Service charges on deposit accounts$201,0004,902
Trading account gains and fees$0178
Additional Noninterest Income$6,170,000579
Total noninterest expense$11,462,0001,607
Salaries and employee benefits$5,362,0001,886
Premises and equipment expense$1,846,0001,446
Additional noninterest expense$4,254,0001,321
Pre-tax net operating income$1,091,0004,570
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$1,091,0004,127
Extraordinary gains, net$039
Net income$1,091,0004,129
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,868,000645
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$1,091,0004,124
2007-09-30 (YTD Data)Rank
Total interest income$13,238,0002,343
Total interest expense$7,249,0001,990
Net interest income$5,989,0002,729
Provision for loan and lease losses$1,301,000721
Total noninterest income$5,084,000860
Gross Fiduciary activities income$7,0001,231
Service charges on deposit accounts$139,0005,079
Trading account gains and fees$0184
Additional Noninterest Income$4,938,000555
Total noninterest expense$8,693,0001,570
Salaries and employee benefits$4,212,0001,795
Premises and equipment expense$1,397,0001,421
Additional noninterest expense$3,084,0001,323
Pre-tax net operating income$1,079,0004,181
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$1,079,0003,706
Extraordinary gains, net$033
Net income$1,079,0003,705
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,364,000530
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$1,079,0003,692
2007-06-30 (YTD Data)Rank
Total interest income$8,796,0002,369
Total interest expense$4,822,0002,011
Net interest income$3,974,0002,768
Provision for loan and lease losses$1,006,000584
Total noninterest income$4,057,000763
Gross Fiduciary activities income$4,0001,255
Service charges on deposit accounts$91,0005,130
Trading account gains and fees$0168
Additional Noninterest Income$3,962,000506
Total noninterest expense$6,001,0001,532
Salaries and employee benefits$2,936,0001,750
Premises and equipment expense$970,0001,364
Additional noninterest expense$2,095,0001,316
Pre-tax net operating income$1,024,0003,480
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$1,024,0002,988
Extraordinary gains, net$029
Net income$1,024,0002,987
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$599,000635
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$1,024,0002,973
2007-03-31 (YTD Data)Rank
Total interest income$4,391,0002,365
Total interest expense$2,390,0002,007
Net interest income$2,001,0002,756
Provision for loan and lease losses$422,000603
Total noninterest income$1,225,0001,113
Gross Fiduciary activities income$2,0001,213
Service charges on deposit accounts$47,0005,004
Trading account gains and fees$0195
Additional Noninterest Income$1,176,000724
Total noninterest expense$3,259,0001,419
Salaries and employee benefits$1,699,0001,522
Premises and equipment expense$514,0001,306
Additional noninterest expense$1,046,0001,285
Pre-tax net operating income$-455,0008,500
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$-455,0008,518
Extraordinary gains, net$022
Net income$-455,0008,516
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$200,000739
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$-455,0008,513
2006-12-31 (YTD Data)Rank
Total interest income$15,843,0002,437
Total interest expense$8,084,0002,023
Net interest income$7,759,0002,831
Provision for loan and lease losses$917,0001,123
Total noninterest income$5,001,0001,095
Gross Fiduciary activities income$4,0001,374
Service charges on deposit accounts$135,0005,711
Trading account gains and fees$0130
Additional Noninterest Income$4,862,000691
Total noninterest expense$14,129,0001,267
Salaries and employee benefits$7,594,0001,281
Premises and equipment expense$2,341,0001,080
Additional noninterest expense$4,194,0001,273
Pre-tax net operating income$-2,286,0008,600
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$-2,286,0008,612
Extraordinary gains, net$051
Net income$-2,286,0008,612
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$323,0001,580
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$-2,286,0008,606
2006-09-30 (YTD Data)Rank
Total interest income$11,494,0002,494
Total interest expense$5,806,0002,047
Net interest income$5,688,0002,919
Provision for loan and lease losses$495,0001,399
Total noninterest income$3,505,0001,162
Gross Fiduciary activities income$2,0001,362
Service charges on deposit accounts$99,0005,813
Trading account gains and fees$0126
Additional Noninterest Income$3,404,000739
Total noninterest expense$10,734,0001,269
Salaries and employee benefits$5,911,0001,251
Premises and equipment expense$1,804,0001,054
Additional noninterest expense$3,019,0001,324
Pre-tax net operating income$-2,036,0008,698
Securities gains (losses)$01,388
Applicable income taxes$06,687
Income before extraordinary items$-2,036,0008,704
Extraordinary gains, net$045
Net income$-2,036,0008,704
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$185,0001,609
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$-2,036,0008,698
2006-06-30 (YTD Data)Rank
Total interest income$7,340,0002,561
Total interest expense$3,668,0002,046
Net interest income$3,672,0003,014
Provision for loan and lease losses$424,0001,125
Total noninterest income$2,316,0001,172
Gross Fiduciary activities income$1,0001,376
Service charges on deposit accounts$61,0005,942
Trading account gains and fees$0126
Additional Noninterest Income$2,254,000740
Total noninterest expense$7,271,0001,260
Salaries and employee benefits$4,062,0001,223
Premises and equipment expense$1,224,0001,037
Additional noninterest expense$1,985,0001,350
Pre-tax net operating income$-1,707,0008,746
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$-1,707,0008,748
Extraordinary gains, net$039
Net income$-1,707,0008,748
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$97,0001,751
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$-1,707,0008,737
2006-03-31 (YTD Data)Rank
Total interest income$3,468,0002,634
Total interest expense$1,680,0002,124
Net interest income$1,788,0003,081
Provision for loan and lease losses$287,000835
Total noninterest income$1,245,0001,087
Gross Fiduciary activities income$1,0001,305
Service charges on deposit accounts$28,0006,029
Trading account gains and fees$0115
Additional Noninterest Income$1,216,000698
Total noninterest expense$3,700,0001,235
Salaries and employee benefits$2,107,0001,178
Premises and equipment expense$598,0001,066
Additional noninterest expense$995,0001,324
Pre-tax net operating income$-954,0008,753
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$-954,0008,758
Extraordinary gains, net$021
Net income$-954,0008,757
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,000997
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$-954,0008,748
2005-12-31 (YTD Data)Rank
Total interest income$13,956,0002,367
Total interest expense$5,730,0001,963
Net interest income$8,226,0002,632
Provision for loan and lease losses$399,0002,292
Total noninterest income$6,479,000873
Gross Fiduciary activities income$2,0001,452
Service charges on deposit accounts$135,0005,814
Trading account gains and fees$0138
Additional Noninterest Income$6,342,000582
Total noninterest expense$15,059,0001,143
Salaries and employee benefits$7,257,0001,277
Premises and equipment expense$2,279,0001,052
Additional noninterest expense$5,523,000941
Pre-tax net operating income$-753,0008,575
Securities gains (losses)$02,296
Applicable income taxes$06,964
Income before extraordinary items$-753,0008,611
Extraordinary gains, net$046
Net income$-753,0008,611
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$405,0001,384
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$-753,0008,592
2005-09-30 (YTD Data)Rank
Total interest income$10,638,0002,286
Total interest expense$4,249,0001,878
Net interest income$6,389,0002,530
Provision for loan and lease losses$200,0002,952
Total noninterest income$5,215,000830
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$95,0005,958
Trading account gains and fees$0126
Additional Noninterest Income$5,120,000553
Total noninterest expense$11,516,0001,104
Salaries and employee benefits$5,354,0001,297
Premises and equipment expense$1,738,0001,030
Additional noninterest expense$4,424,000863
Pre-tax net operating income$-112,0008,436
Securities gains (losses)$02,317
Applicable income taxes$06,976
Income before extraordinary items$-112,0008,461
Extraordinary gains, net$035
Net income$-112,0008,462
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$304,0001,247
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$-112,0008,434
2005-06-30 (YTD Data)Rank
Total interest income$7,590,0002,073
Total interest expense$2,779,0001,809
Net interest income$4,811,0002,251
Provision for loan and lease losses$426,0001,124
Total noninterest income$2,418,0001,102
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$58,0006,068
Trading account gains and fees$0116
Additional Noninterest Income$2,360,000715
Total noninterest expense$6,702,0001,265
Salaries and employee benefits$3,711,0001,227
Premises and equipment expense$1,149,0001,032
Additional noninterest expense$1,842,0001,348
Pre-tax net operating income$101,0007,844
Securities gains (losses)$02,146
Applicable income taxes$06,961
Income before extraordinary items$101,0007,732
Extraordinary gains, net$030
Net income$101,0007,731
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$237,0001,077
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$101,0007,684
2005-03-31 (YTD Data)Rank
Total interest income$3,674,0002,107
Total interest expense$1,346,0001,774
Net interest income$2,328,0002,308
Provision for loan and lease losses$220,0001,052
Total noninterest income$1,030,0001,222
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$23,0006,401
Trading account gains and fees$0115
Additional Noninterest Income$1,007,000783
Total noninterest expense$3,369,0001,259
Salaries and employee benefits$2,029,0001,123
Premises and equipment expense$574,0001,037
Additional noninterest expense$766,0001,609
Pre-tax net operating income$-231,0008,746
Securities gains (losses)$01,685
Applicable income taxes$06,892
Income before extraordinary items$-231,0008,769
Extraordinary gains, net$024
Net income$-231,0008,769
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$52,0001,673
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$-231,0008,751
2004-12-31 (YTD Data)Rank
Total interest income$10,518,0002,690
Total interest expense$3,610,0002,239
Net interest income$6,908,0002,923
Provision for loan and lease losses$384,0002,446
Total noninterest income$5,105,0001,063
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$49,0007,312
Trading account gains and fees$0138
Additional Noninterest Income$5,056,000668
Total noninterest expense$12,891,0001,279
Salaries and employee benefits$7,862,0001,101
Premises and equipment expense$1,944,0001,180
Additional noninterest expense$3,085,0001,581
Pre-tax net operating income$-1,262,0008,836
Securities gains (losses)$03,819
Applicable income taxes$07,185
Income before extraordinary items$-1,262,0008,859
Extraordinary gains, net$034
Net income$-1,262,0008,860
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$112,0003,462
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$-1,262,0008,839
2004-09-30 (YTD Data)Rank
Total interest income$7,447,0002,812
Total interest expense$2,495,0002,370
Net interest income$4,952,0003,027
Provision for loan and lease losses$125,0003,916
Total noninterest income$3,558,0001,137
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$28,0007,518
Trading account gains and fees$0134
Additional Noninterest Income$3,530,000719
Total noninterest expense$8,851,0001,382
Salaries and employee benefits$5,437,0001,200
Premises and equipment expense$1,319,0001,304
Additional noninterest expense$2,095,0001,717
Pre-tax net operating income$-466,0008,761
Securities gains (losses)$03,710
Applicable income taxes$07,220
Income before extraordinary items$-466,0008,796
Extraordinary gains, net$026
Net income$-466,0008,798
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0005,128
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$-466,0008,770
2004-06-30 (YTD Data)Rank
Total interest income$4,919,0002,827
Total interest expense$1,606,0002,421
Net interest income$3,313,0003,010
Provision for loan and lease losses$69,0004,142
Total noninterest income$2,143,0001,221
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$17,0007,603
Trading account gains and fees$0130
Additional Noninterest Income$2,126,000758
Total noninterest expense$5,370,0001,510
Salaries and employee benefits$3,362,0001,299
Premises and equipment expense$807,0001,430
Additional noninterest expense$1,201,0001,996
Pre-tax net operating income$17,0008,431
Securities gains (losses)$03,413
Applicable income taxes$07,214
Income before extraordinary items$17,0008,476
Extraordinary gains, net$021
Net income$17,0008,478
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0005,069
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$1,150,000203
Net operating income$17,0008,419
2004-03-31 (YTD Data)Rank
Total interest income$2,343,0002,970
Total interest expense$779,0002,507
Net interest income$1,564,0003,163
Provision for loan and lease losses$80,0002,465
Total noninterest income$915,0001,354
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$7,0007,665
Trading account gains and fees$0121
Additional Noninterest Income$908,000846
Total noninterest expense$2,392,0001,694
Salaries and employee benefits$1,512,0001,464
Premises and equipment expense$382,0001,543
Additional noninterest expense$498,0002,371
Pre-tax net operating income$7,0008,469
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$7,0008,505
Extraordinary gains, net$016
Net income$7,0008,507
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0003,590
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$500,000149
Net operating income$7,0008,444
2003-12-31 (YTD Data)Rank
Total interest income$6,369,0004,123
Total interest expense$2,699,0003,148
Net interest income$3,670,0004,640
Provision for loan and lease losses$224,0003,820
Total noninterest income$2,316,0002,078
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$32,0007,690
Trading account gains and fees$0160
Additional Noninterest Income$2,284,0001,331
Total noninterest expense$6,788,0002,312
Salaries and employee benefits$3,834,0002,215
Premises and equipment expense$1,162,0001,961
Additional noninterest expense$1,792,0002,649
Pre-tax net operating income$-1,026,0008,979
Securities gains (losses)$04,500
Applicable income taxes$07,459
Income before extraordinary items$-1,026,0009,039
Extraordinary gains, net$054
Net income$-1,026,0009,039
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$88,0004,282
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$4,425,000214
Net operating income$-1,026,0008,994
2003-09-30 (YTD Data)Rank
Total interest income$4,664,0004,255
Total interest expense$2,035,0003,242
Net interest income$2,629,0004,789
Provision for loan and lease losses$78,0005,161
Total noninterest income$1,295,0002,619
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$22,0007,794
Trading account gains and fees$0153
Additional Noninterest Income$1,273,0001,734
Total noninterest expense$4,534,0002,595
Salaries and employee benefits$2,621,0002,421
Premises and equipment expense$781,0002,197
Additional noninterest expense$1,132,0003,053
Pre-tax net operating income$-688,0009,016
Securities gains (losses)$04,204
Applicable income taxes$07,524
Income before extraordinary items$-688,0009,077
Extraordinary gains, net$040
Net income$-688,0009,075
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$925,000321
Net operating income$-688,0009,026
2003-06-30 (YTD Data)Rank
Total interest income$3,087,0004,313
Total interest expense$1,427,0003,204
Net interest income$1,660,0004,970
Provision for loan and lease losses$41,0005,427
Total noninterest income$803,0002,753
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$13,0007,851
Trading account gains and fees$0150
Additional Noninterest Income$790,0001,799
Total noninterest expense$2,919,0002,671
Salaries and employee benefits$1,716,0002,452
Premises and equipment expense$514,0002,203
Additional noninterest expense$689,0003,267
Pre-tax net operating income$-497,0009,065
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$-497,0009,129
Extraordinary gains, net$030
Net income$-497,0009,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,535
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$925,000218
Net operating income$-497,0009,074
2003-03-31 (YTD Data)Rank
Total interest income$1,538,0004,348
Total interest expense$723,0003,222
Net interest income$815,0005,023
Provision for loan and lease losses$23,0005,064
Total noninterest income$354,0002,896
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$6,0007,883
Trading account gains and fees$0134
Additional Noninterest Income$348,0001,905
Total noninterest expense$1,417,0002,724
Salaries and employee benefits$852,0002,471
Premises and equipment expense$247,0002,272
Additional noninterest expense$318,0003,480
Pre-tax net operating income$-271,0009,125
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$-271,0009,168
Extraordinary gains, net$021
Net income$-271,0009,165
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$350,000162
Net operating income$-271,0009,113
2002-12-31 (YTD Data)Rank
Total interest income$2,754,0007,093
Total interest expense$1,625,0005,475
Net interest income$1,129,0008,065
Provision for loan and lease losses$631,0001,977
Total noninterest income$1,012,0003,459
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$15,0008,030
Trading account gains and fees$0153
Additional Noninterest Income$997,0002,189
Total noninterest expense$4,363,0003,312
Salaries and employee benefits$2,598,0003,027
Premises and equipment expense$655,0003,162
Additional noninterest expense$1,110,0003,848
Pre-tax net operating income$-2,853,0009,275
Securities gains (losses)$52,0002,371
Applicable income taxes$07,681
Income before extraordinary items$-2,801,0009,305
Extraordinary gains, net$070
Net income$-2,801,0009,303
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$1,699,000320
Net operating income$-2,853,0009,284
2001-12-31 (YTD Data)Rank
Total interest income$1,028,0009,133
Total interest expense$774,0008,478
Net interest income$254,0009,456
Provision for loan and lease losses$125,0005,119
Total noninterest income$325,0006,202
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$5,0008,315
Trading account gains and fees$0177
Additional Noninterest Income$320,0003,971
Total noninterest expense$1,795,0006,134
Salaries and employee benefits$989,0006,024
Premises and equipment expense$229,0006,372
Additional noninterest expense$577,0005,990
Pre-tax net operating income$-1,341,0009,435
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$-1,341,0009,472
Extraordinary gains, net$0105
Net income$-1,341,0009,472
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$1,082,000390
Net operating income$-1,341,0009,444
2000-12-31 (YTD Data)Rank
Total interest income$102,0009,862
Total interest expense$38,0009,791
Net interest income$64,0009,861
Provision for loan and lease losses$8,0008,049
Total noninterest income$09,851
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$08,617
Trading account gains and feesNANA
Additional Noninterest Income$09,820
Total noninterest expense$858,0008,411
Salaries and employee benefits$393,0008,782
Premises and equipment expense$28,0009,695
Additional noninterest expense$437,0006,868
Pre-tax net operating income$-802,0009,665
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-802,0009,685
Extraordinary gains, net$038
Net income$-802,0009,684
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$6,000,000163
Net operating income$-802,0009,683

* 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.