Home > Berkshire Bank > Income and Expense

Berkshire Bank, Income and Expense

2011-06-30 (YTD Data)		Rank
Total interest income	$3,085,000	4,056
Total interest expense	$901,000	3,205
Net interest income	$2,184,000	4,318
Provision for loan and lease losses	$51,000	5,098
Total noninterest income	$116,000	5,682
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$20,000	6,547
Trading account gains and fees	$0	153
Additional Noninterest Income	$96,000	4,609
Total noninterest expense	$2,876,000	3,202
Salaries and employee benefits	$1,078,000	4,000
Premises and equipment expense	$563,000	2,217
Additional noninterest expense	$1,235,000	2,675
Pre-tax net operating income	$-627,000	6,846
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$-627,000	6,892
Extraordinary gains, net	$0	15
Net income	$-627,000	6,891
Minority interest net income	$0	89
Net income of bank and minority interests.	$-627,000	6,892
Net charge-offs	$257,000	2,855
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-627,000	6,882
2011-03-31 (YTD Data)		Rank
Total interest income	$1,568,000	4,040
Total interest expense	$446,000	3,336
Net interest income	$1,122,000	4,248
Provision for loan and lease losses	$26,000	4,815
Total noninterest income	$81,000	5,264
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$10,000	6,519
Trading account gains and fees	$0	158
Additional Noninterest Income	$71,000	4,103
Total noninterest expense	$1,512,000	3,093
Salaries and employee benefits	$544,000	4,002
Premises and equipment expense	$303,000	2,115
Additional noninterest expense	$665,000	2,495
Pre-tax net operating income	$-335,000	6,976
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$-335,000	7,023
Extraordinary gains, net	$0	9
Net income	$-335,000	7,023
Minority interest net income	$0	86
Net income of bank and minority interests.	$-335,000	7,023
Net charge-offs	$248,000	1,929
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-335,000	7,010
2010-12-31 (YTD Data)		Rank
Total interest income	$6,811,000	3,984
Total interest expense	$2,055,000	3,486
Net interest income	$4,756,000	4,096
Provision for loan and lease losses	$671,000	3,673
Total noninterest income	$743,000	3,807
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$43,000	6,339
Trading account gains and fees	$0	175
Additional Noninterest Income	$700,000	2,692
Total noninterest expense	$6,116,000	3,061
Salaries and employee benefits	$2,248,000	3,902
Premises and equipment expense	$1,114,000	2,261
Additional noninterest expense	$2,754,000	2,465
Pre-tax net operating income	$-1,288,000	6,587
Securities gains (losses)	$62,000	2,518
Applicable income taxes	$0	4,655
Income before extraordinary items	$-1,226,000	6,666
Extraordinary gains, net	$0	29
Net income	$-1,226,000	6,667
Minority interest net income	$0	111
Net income of bank and minority interests.	$-1,226,000	6,667
Net charge-offs	$733,000	3,112
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-1,288,000	6,663
2010-09-30 (YTD Data)		Rank
Total interest income	$5,194,000	4,012
Total interest expense	$1,588,000	3,549
Net interest income	$3,606,000	4,122
Provision for loan and lease losses	$286,000	4,390
Total noninterest income	$528,000	3,961
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$34,000	6,369
Trading account gains and fees	$0	165
Additional Noninterest Income	$494,000	2,775
Total noninterest expense	$4,195,000	3,293
Salaries and employee benefits	$1,694,000	3,922
Premises and equipment expense	$857,000	2,247
Additional noninterest expense	$1,644,000	2,960
Pre-tax net operating income	$-347,000	6,434
Securities gains (losses)	$41,000	2,543
Applicable income taxes	$0	4,726
Income before extraordinary items	$-306,000	6,528
Extraordinary gains, net	$0	23
Net income	$-306,000	6,529
Minority interest net income	$0	110
Net income of bank and minority interests.	$-306,000	6,528
Net charge-offs	$518,000	3,033
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-347,000	6,497
2010-06-30 (YTD Data)		Rank
Total interest income	$3,447,000	4,065
Total interest expense	$1,072,000	3,624
Net interest income	$2,375,000	4,149
Provision for loan and lease losses	$36,000	6,064
Total noninterest income	$355,000	3,893
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$23,000	6,408
Trading account gains and fees	$0	152
Additional Noninterest Income	$332,000	2,690
Total noninterest expense	$2,645,000	3,458
Salaries and employee benefits	$1,122,000	3,954
Premises and equipment expense	$587,000	2,195
Additional noninterest expense	$936,000	3,384
Pre-tax net operating income	$49,000	5,814
Securities gains (losses)	$3,000	2,902
Applicable income taxes	$0	4,691
Income before extraordinary items	$52,000	5,886
Extraordinary gains, net	$0	19
Net income	$52,000	5,888
Minority interest net income	$0	105
Net income of bank and minority interests.	$52,000	5,887
Net charge-offs	$379,000	2,768
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$49,000	5,801
2010-03-31 (YTD Data)		Rank
Total interest income	$1,746,000	4,083
Total interest expense	$540,000	3,722
Net interest income	$1,206,000	4,147
Provision for loan and lease losses	$11,000	6,101
Total noninterest income	$146,000	4,335
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$12,000	6,416
Trading account gains and fees	$0	175
Additional Noninterest Income	$134,000	3,024
Total noninterest expense	$1,293,000	3,557
Salaries and employee benefits	$572,000	3,957
Premises and equipment expense	$304,000	2,177
Additional noninterest expense	$417,000	3,706
Pre-tax net operating income	$48,000	5,681
Securities gains (losses)	$1,000	2,151
Applicable income taxes	$0	4,611
Income before extraordinary items	$49,000	5,710
Extraordinary gains, net	$0	16
Net income	$49,000	5,711
Minority interest net income	$0	91
Net income of bank and minority interests.	$49,000	5,710
Net charge-offs	$144,000	2,772
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$48,000	5,628
2009-12-31 (YTD Data)		Rank
Total interest income	$6,966,000	4,190
Total interest expense	$2,954,000	3,446
Net interest income	$4,012,000	4,571
Provision for loan and lease losses	$809,000	3,824
Total noninterest income	$662,000	4,178
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$56,000	6,379
Trading account gains and fees	$0	211
Additional Noninterest Income	$606,000	2,891
Total noninterest expense	$4,959,000	3,715
Salaries and employee benefits	$2,142,000	4,148
Premises and equipment expense	$1,078,000	2,427
Additional noninterest expense	$1,739,000	3,696
Pre-tax net operating income	$-1,094,000	6,289
Securities gains (losses)	$-10,000	7,006
Applicable income taxes	$0	4,388
Income before extraordinary items	$-1,104,000	6,404
Extraordinary gains, net	$0	34
Net income	$-1,104,000	6,405
Minority interest net income	$0	115
Net income of bank and minority interests.	$-1,104,000	6,405
Net charge-offs	$421,000	4,013
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-1,094,000	6,405
2009-09-30 (YTD Data)		Rank
Total interest income	$5,208,000	4,249
Total interest expense	$2,286,000	3,506
Net interest income	$2,922,000	4,660
Provision for loan and lease losses	$186,000	5,244
Total noninterest income	$506,000	4,209
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$39,000	6,486
Trading account gains and fees	$0	212
Additional Noninterest Income	$467,000	2,922
Total noninterest expense	$3,719,000	3,722
Salaries and employee benefits	$1,596,000	4,196
Premises and equipment expense	$812,000	2,441
Additional noninterest expense	$1,311,000	3,638
Pre-tax net operating income	$-477,000	6,314
Securities gains (losses)	$-10,000	7,228
Applicable income taxes	$0	4,592
Income before extraordinary items	$-487,000	6,416
Extraordinary gains, net	$0	27
Net income	$-487,000	6,417
Minority interest net income	$0	118
Net income of bank and minority interests.	$-487,000	6,416
Net charge-offs	$173,000	4,430
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-477,000	6,403
2009-06-30 (YTD Data)		Rank
Total interest income	$3,431,000	4,326
Total interest expense	$1,575,000	3,551
Net interest income	$1,856,000	4,796
Provision for loan and lease losses	$148,000	4,816
Total noninterest income	$474,000	3,522
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$25,000	6,553
Trading account gains and fees	$0	193
Additional Noninterest Income	$449,000	2,379
Total noninterest expense	$2,524,000	3,691
Salaries and employee benefits	$1,022,000	4,365
Premises and equipment expense	$541,000	2,480
Additional noninterest expense	$961,000	3,386
Pre-tax net operating income	$-342,000	6,479
Securities gains (losses)	$-10,000	7,471
Applicable income taxes	$0	4,657
Income before extraordinary items	$-352,000	6,600
Extraordinary gains, net	$0	21
Net income	$-352,000	6,600
Minority interest net income	$0	112
Net income of bank and minority interests.	$-352,000	6,600
Net charge-offs	$178,000	3,577
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-342,000	6,575
2009-03-31 (YTD Data)		Rank
Total interest income	$1,741,000	4,322
Total interest expense	$809,000	3,587
Net interest income	$932,000	4,779
Provision for loan and lease losses	$33,000	5,351
Total noninterest income	$151,000	4,388
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$11,000	6,642
Trading account gains and fees	$0	171
Additional Noninterest Income	$140,000	3,082
Total noninterest expense	$1,230,000	3,696
Salaries and employee benefits	$552,000	4,149
Premises and equipment expense	$272,000	2,499
Additional noninterest expense	$406,000	3,539
Pre-tax net operating income	$-180,000	6,849
Securities gains (losses)	$1,000	2,304
Applicable income taxes	$0	4,835
Income before extraordinary items	$-179,000	6,997
Extraordinary gains, net	$0	15
Net income	$-179,000	6,998
Minority interest net income	$0	102
Net income of bank and minority interests.	$-179,000	6,998
Net charge-offs	$56,000	3,442
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-180,000	6,919
2008-12-31 (YTD Data)		Rank
Total interest income	$7,121,000	4,436
Total interest expense	$3,671,000	3,722
Net interest income	$3,450,000	5,017
Provision for loan and lease losses	$395,000	4,154
Total noninterest income	$456,000	5,035
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$65,000	6,421
Trading account gains and fees	$0	154
Additional Noninterest Income	$391,000	3,628
Total noninterest expense	$4,624,000	3,796
Salaries and employee benefits	$2,263,000	4,076
Premises and equipment expense	$962,000	2,719
Additional noninterest expense	$1,399,000	3,810
Pre-tax net operating income	$-1,113,000	7,066
Securities gains (losses)	$2,000	2,962
Applicable income taxes	$0	4,979
Income before extraordinary items	$-1,111,000	7,042
Extraordinary gains, net	$0	39
Net income	$-1,111,000	7,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$215,000	3,989
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,113,000	7,165
2008-09-30 (YTD Data)		Rank
Total interest income	$5,296,000	4,528
Total interest expense	$2,802,000	3,793
Net interest income	$2,494,000	5,156
Provision for loan and lease losses	$181,000	4,344
Total noninterest income	$361,000	5,025
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$49,000	6,461
Trading account gains and fees	$0	148
Additional Noninterest Income	$312,000	3,620
Total noninterest expense	$3,576,000	3,691
Salaries and employee benefits	$1,701,000	4,084
Premises and equipment expense	$786,000	2,534
Additional noninterest expense	$1,089,000	3,640
Pre-tax net operating income	$-902,000	7,474
Securities gains (losses)	$2,000	2,845
Applicable income taxes	$0	5,372
Income before extraordinary items	$-900,000	7,459
Extraordinary gains, net	$0	31
Net income	$-900,000	7,457
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$214,000	2,970
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-902,000	7,576
2008-06-30 (YTD Data)		Rank
Total interest income	$3,488,000	4,639
Total interest expense	$1,916,000	3,851
Net interest income	$1,572,000	5,327
Provision for loan and lease losses	$124,000	3,929
Total noninterest income	$262,000	4,905
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$29,000	6,599
Trading account gains and fees	$0	149
Additional Noninterest Income	$233,000	3,475
Total noninterest expense	$2,294,000	3,830
Salaries and employee benefits	$1,086,000	4,244
Premises and equipment expense	$522,000	2,542
Additional noninterest expense	$686,000	3,772
Pre-tax net operating income	$-584,000	7,665
Securities gains (losses)	$2,000	2,957
Applicable income taxes	$0	5,627
Income before extraordinary items	$-582,000	7,750
Extraordinary gains, net	$0	21
Net income	$-582,000	7,749
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$209,000	2,189
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-584,000	7,731
2008-03-31 (YTD Data)		Rank
Total interest income	$1,733,000	4,750
Total interest expense	$1,062,000	3,763
Net interest income	$671,000	5,802
Provision for loan and lease losses	$60,000	3,470
Total noninterest income	$140,000	4,763
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$28,000	5,782
Trading account gains and fees	$0	158
Additional Noninterest Income	$112,000	3,569
Total noninterest expense	$1,104,000	3,944
Salaries and employee benefits	$515,000	4,444
Premises and equipment expense	$259,000	2,591
Additional noninterest expense	$330,000	3,830
Pre-tax net operating income	$-353,000	7,959
Securities gains (losses)	$2,000	2,447
Applicable income taxes	$0	5,622
Income before extraordinary items	$-351,000	8,038
Extraordinary gains, net	$0	15
Net income	$-351,000	8,037
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-353,000	8,013
2007-12-31 (YTD Data)		Rank
Total interest income	$6,372,000	5,010
Total interest expense	$4,130,000	3,934
Net interest income	$2,242,000	6,229
Provision for loan and lease losses	$281,000	3,314
Total noninterest income	$392,000	5,533
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$79,000	6,320
Trading account gains and fees	$0	178
Additional Noninterest Income	$313,000	4,159
Total noninterest expense	$3,866,000	4,228
Salaries and employee benefits	$1,828,000	4,700
Premises and equipment expense	$787,000	3,112
Additional noninterest expense	$1,251,000	3,957
Pre-tax net operating income	$-1,513,000	8,195
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$-1,513,000	8,242
Extraordinary gains, net	$0	39
Net income	$-1,513,000	8,239
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	6,179
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-1,513,000	8,232
2007-09-30 (YTD Data)		Rank
Total interest income	$4,665,000	5,123
Total interest expense	$3,011,000	4,013
Net interest income	$1,654,000	6,324
Provision for loan and lease losses	$112,000	3,950
Total noninterest income	$303,000	5,513
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$56,000	6,413
Trading account gains and fees	$0	184
Additional Noninterest Income	$247,000	4,118
Total noninterest expense	$2,604,000	4,517
Salaries and employee benefits	$1,211,000	5,066
Premises and equipment expense	$531,000	3,388
Additional noninterest expense	$862,000	4,146
Pre-tax net operating income	$-759,000	8,210
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$-759,000	8,251
Extraordinary gains, net	$0	33
Net income	$-759,000	8,248
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$-759,000	8,243
2007-06-30 (YTD Data)		Rank
Total interest income	$2,989,000	5,278
Total interest expense	$1,933,000	4,098
Net interest income	$1,056,000	6,459
Provision for loan and lease losses	$75,000	3,728
Total noninterest income	$211,000	5,463
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$35,000	6,515
Trading account gains and fees	$0	168
Additional Noninterest Income	$176,000	4,032
Total noninterest expense	$1,570,000	4,865
Salaries and employee benefits	$735,000	5,391
Premises and equipment expense	$320,000	3,677
Additional noninterest expense	$515,000	4,483
Pre-tax net operating income	$-378,000	8,210
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$-378,000	8,256
Extraordinary gains, net	$0	29
Net income	$-378,000	8,255
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	$-378,000	8,245
2007-03-31 (YTD Data)		Rank
Total interest income	$1,484,000	5,293
Total interest expense	$971,000	4,086
Net interest income	$513,000	6,549
Provision for loan and lease losses	$0	5,779
Total noninterest income	$125,000	5,031
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$16,000	6,601
Trading account gains and fees	$0	195
Additional Noninterest Income	$109,000	3,600
Total noninterest expense	$718,000	5,170
Salaries and employee benefits	$343,000	5,654
Premises and equipment expense	$157,000	3,744
Additional noninterest expense	$218,000	4,976
Pre-tax net operating income	$-80,000	8,102
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$-80,000	8,132
Extraordinary gains, net	$0	22
Net income	$-80,000	8,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$-80,000	8,119
2006-12-31 (YTD Data)		Rank
Total interest income	$5,137,000	5,475
Total interest expense	$2,970,000	4,338
Net interest income	$2,167,000	6,372
Provision for loan and lease losses	$236,000	3,235
Total noninterest income	$294,000	6,220
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$60,000	6,734
Trading account gains and fees	$0	130
Additional Noninterest Income	$234,000	4,811
Total noninterest expense	$2,778,000	5,149
Salaries and employee benefits	$1,382,000	5,449
Premises and equipment expense	$524,000	4,141
Additional noninterest expense	$872,000	4,964
Pre-tax net operating income	$-553,000	8,283
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$-553,000	8,319
Extraordinary gains, net	$0	51
Net income	$-553,000	8,319
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,438
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$-553,000	8,313
2006-09-30 (YTD Data)		Rank
Total interest income	$3,688,000	5,601
Total interest expense	$2,042,000	4,488
Net interest income	$1,646,000	6,400
Provision for loan and lease losses	$210,000	2,785
Total noninterest income	$208,000	6,375
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$42,000	6,883
Trading account gains and fees	$0	126
Additional Noninterest Income	$166,000	4,928
Total noninterest expense	$2,077,000	5,140
Salaries and employee benefits	$1,015,000	5,508
Premises and equipment expense	$370,000	4,315
Additional noninterest expense	$692,000	4,750
Pre-tax net operating income	$-433,000	8,408
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-433,000	8,438
Extraordinary gains, net	$0	45
Net income	$-433,000	8,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	4,656
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$-433,000	8,428
2006-06-30 (YTD Data)		Rank
Total interest income	$2,300,000	5,763
Total interest expense	$1,216,000	4,677
Net interest income	$1,084,000	6,463
Provision for loan and lease losses	$155,000	2,524
Total noninterest income	$161,000	6,108
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$25,000	7,011
Trading account gains and fees	$0	126
Additional Noninterest Income	$136,000	4,497
Total noninterest expense	$1,352,000	5,232
Salaries and employee benefits	$661,000	5,608
Premises and equipment expense	$224,000	4,589
Additional noninterest expense	$467,000	4,688
Pre-tax net operating income	$-262,000	8,453
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$-262,000	8,474
Extraordinary gains, net	$0	39
Net income	$-262,000	8,474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,967
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-262,000	8,472
2006-03-31 (YTD Data)		Rank
Total interest income	$1,072,000	5,910
Total interest expense	$528,000	4,962
Net interest income	$544,000	6,470
Provision for loan and lease losses	$104,000	1,959
Total noninterest income	$61,000	6,597
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$10,000	7,160
Trading account gains and fees	$0	115
Additional Noninterest Income	$51,000	5,080
Total noninterest expense	$577,000	5,743
Salaries and employee benefits	$274,000	6,199
Premises and equipment expense	$99,000	4,994
Additional noninterest expense	$204,000	5,117
Pre-tax net operating income	$-76,000	8,408
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-76,000	8,429
Extraordinary gains, net	$0	21
Net income	$-76,000	8,428
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,205
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-76,000	8,413
2005-12-31 (YTD Data)		Rank
Total interest income	$3,407,000	6,261
Total interest expense	$1,430,000	5,353
Net interest income	$1,977,000	6,665
Provision for loan and lease losses	$151,000	4,103
Total noninterest income	$283,000	6,432
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$34,000	7,312
Trading account gains and fees	$0	138
Additional Noninterest Income	$249,000	4,734
Total noninterest expense	$2,013,000	6,098
Salaries and employee benefits	$996,000	6,355
Premises and equipment expense	$335,000	5,419
Additional noninterest expense	$682,000	5,666
Pre-tax net operating income	$96,000	8,013
Securities gains (losses)	$5,000	1,712
Applicable income taxes	$0	6,964
Income before extraordinary items	$101,000	7,979
Extraordinary gains, net	$0	46
Net income	$101,000	7,978
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,503
Cash dividends	$2,000	6,047
Sale, conversion, retirement of capital stock, net	$1,220,000	453
Net operating income	$96,000	7,963
2005-09-30 (YTD Data)		Rank
Total interest income	$2,457,000	6,362
Total interest expense	$1,007,000	5,413
Net interest income	$1,450,000	6,755
Provision for loan and lease losses	$149,000	3,520
Total noninterest income	$224,000	6,363
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$22,000	7,408
Trading account gains and fees	$0	126
Additional Noninterest Income	$202,000	4,587
Total noninterest expense	$1,463,000	6,165
Salaries and employee benefits	$731,000	6,418
Premises and equipment expense	$253,000	5,393
Additional noninterest expense	$479,000	5,840
Pre-tax net operating income	$62,000	8,146
Securities gains (losses)	$5,000	1,712
Applicable income taxes	$0	6,976
Income before extraordinary items	$67,000	8,118
Extraordinary gains, net	$0	35
Net income	$67,000	8,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,995
Cash dividends	$2,000	5,307
Sale, conversion, retirement of capital stock, net	$1,220,000	327
Net operating income	$62,000	8,111
2005-06-30 (YTD Data)		Rank
Total interest income	$1,563,000	6,453
Total interest expense	$622,000	5,471
Net interest income	$941,000	6,814
Provision for loan and lease losses	$90,000	3,491
Total noninterest income	$138,000	6,496
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$13,000	7,465
Trading account gains and fees	$0	116
Additional Noninterest Income	$125,000	4,710
Total noninterest expense	$950,000	6,250
Salaries and employee benefits	$462,000	6,576
Premises and equipment expense	$167,000	5,410
Additional noninterest expense	$321,000	5,795
Pre-tax net operating income	$39,000	8,185
Securities gains (losses)	$5,000	1,582
Applicable income taxes	$0	6,961
Income before extraordinary items	$44,000	8,148
Extraordinary gains, net	$0	30
Net income	$44,000	8,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,447
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$1,213,000	231
Net operating income	$39,000	8,145
2005-03-31 (YTD Data)		Rank
Total interest income	$726,000	6,652
Total interest expense	$285,000	5,621
Net interest income	$441,000	7,035
Provision for loan and lease losses	$46,000	3,310
Total noninterest income	$79,000	6,196
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$9,000	7,376
Trading account gains and fees	$0	115
Additional Noninterest Income	$70,000	4,462
Total noninterest expense	$459,000	6,376
Salaries and employee benefits	$212,000	6,836
Premises and equipment expense	$84,000	5,420
Additional noninterest expense	$163,000	5,744
Pre-tax net operating income	$15,000	8,306
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$15,000	8,293
Extraordinary gains, net	$0	24
Net income	$15,000	8,293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,435
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$1,217,000	112
Net operating income	$15,000	8,265
2004-12-31 (YTD Data)		Rank
Total interest income	$1,601,000	7,780
Total interest expense	$795,000	6,283
Net interest income	$806,000	8,294
Provision for loan and lease losses	$371,000	2,510
Total noninterest income	$269,000	6,617
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$20,000	7,660
Trading account gains and fees	$0	138
Additional Noninterest Income	$249,000	4,651
Total noninterest expense	$1,538,000	6,823
Salaries and employee benefits	$682,000	7,345
Premises and equipment expense	$284,000	5,831
Additional noninterest expense	$572,000	6,141
Pre-tax net operating income	$-834,000	8,770
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$-834,000	8,802
Extraordinary gains, net	$0	34
Net income	$-834,000	8,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$2,117,000	333
Net operating income	$-834,000	8,780
2004-09-30 (YTD Data)		Rank
Total interest income	$992,000	8,112
Total interest expense	$543,000	6,489
Net interest income	$449,000	8,600
Provision for loan and lease losses	$267,000	2,479
Total noninterest income	$120,000	7,552
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$13,000	7,737
Trading account gains and fees	$0	134
Additional Noninterest Income	$107,000	5,792
Total noninterest expense	$1,058,000	7,019
Salaries and employee benefits	$425,000	7,737
Premises and equipment expense	$200,000	5,981
Additional noninterest expense	$433,000	6,059
Pre-tax net operating income	$-756,000	8,844
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$-756,000	8,885
Extraordinary gains, net	$0	26
Net income	$-756,000	8,885
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	$466,000	373
Net operating income	$-756,000	8,866
2004-06-30 (YTD Data)		Rank
Total interest income	$538,000	8,435
Total interest expense	$328,000	6,769
Net interest income	$210,000	8,836
Provision for loan and lease losses	$176,000	2,457
Total noninterest income	$102,000	7,203
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$8,000	7,803
Trading account gains and fees	$0	130
Additional Noninterest Income	$94,000	5,284
Total noninterest expense	$710,000	7,046
Salaries and employee benefits	$325,000	7,461
Premises and equipment expense	$120,000	6,318
Additional noninterest expense	$265,000	6,344
Pre-tax net operating income	$-574,000	8,928
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-574,000	8,953
Extraordinary gains, net	$0	21
Net income	$-574,000	8,954
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	$-574,000	8,936
2004-03-31 (YTD Data)		Rank
Total interest income	$180,000	8,778
Total interest expense	$136,000	7,249
Net interest income	$44,000	9,031
Provision for loan and lease losses	$75,000	2,550
Total noninterest income	$35,000	7,776
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$3,000	7,856
Trading account gains and fees	$0	121
Additional Noninterest Income	$32,000	5,977
Total noninterest expense	$312,000	7,417
Salaries and employee benefits	$137,000	7,886
Premises and equipment expense	$56,000	6,504
Additional noninterest expense	$119,000	6,689
Pre-tax net operating income	$-308,000	8,969
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-308,000	9,000
Extraordinary gains, net	$0	16
Net income	$-308,000	9,000
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	$-308,000	8,972
2003-12-31 (YTD Data)		Rank
Total interest income	$111,000	9,110
Total interest expense	$40,000	9,059
Net interest income	$71,000	9,109
Provision for loan and lease losses	$66,000	5,889
Total noninterest income	$17,000	9,026
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$0	8,063
Trading account gains and fees	$0	160
Additional Noninterest Income	$17,000	8,524
Total noninterest expense	$1,064,000	7,746
Salaries and employee benefits	$459,000	8,218
Premises and equipment expense	$294,000	5,715
Additional noninterest expense	$311,000	7,690
Pre-tax net operating income	$-1,042,000	8,984
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$-1,042,000	9,041
Extraordinary gains, net	$0	54
Net income	$-1,042,000	9,041
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	$8,201,000	119
Net operating income	$-1,042,000	8,997
2003-09-30 (YTD Data)		Rank
Total interest income	$37,000	9,206
Total interest expense	$6,000	9,177
Net interest income	$31,000	9,200
Provision for loan and lease losses	$0	7,481
Total noninterest income	$0	9,186
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$0	8,111
Trading account gains and fees	$0	153
Additional Noninterest Income	$0	9,106
Total noninterest expense	$737,000	7,903
Salaries and employee benefits	$319,000	8,334
Premises and equipment expense	$224,000	5,659
Additional noninterest expense	$194,000	8,040
Pre-tax net operating income	$-706,000	9,019
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-706,000	9,082
Extraordinary gains, net	$0	40
Net income	$-706,000	9,080
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	$8,080,000	80
Net operating income	$-706,000	9,030

* 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.