Home > Builders Bank > Income and Expense
Builders Bank, Income and Expense
| 2017-03-31 (YTD Data) | Rank | |
| Total interest income | $125,000 | 5,792 |
| Total interest expense | $68,000 | 4,566 |
| Net interest income | $57,000 | 5,832 |
| Provision for loan and lease losses | $0 | 3,537 |
| Total noninterest income | $-28,000 | 5,833 |
| Gross Fiduciary activities income | $0 | 1,045 |
| Service charges on deposit accounts | $0 | 5,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $-28,000 | 5,827 |
| Total noninterest expense | $852,000 | 3,953 |
| Salaries and employee benefits | $542,000 | 3,672 |
| Premises and equipment expense | $-35,000 | 5,852 |
| Additional noninterest expense | $345,000 | 3,421 |
| Pre-tax net operating income | $-823,000 | 5,823 |
| Securities gains (losses) | $0 | 1,153 |
| Applicable income taxes | $12,000 | 3,531 |
| Income before extraordinary items | $-835,000 | 5,821 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $-835,000 | 5,821 |
| Minority interest net income | $0 | 55 |
| Net income of bank and minority interests. | $-835,000 | 5,821 |
| Net charge-offs | $-35,000 | 5,406 |
| Cash dividends | $0 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 632 |
| Net operating income | $-835,000 | 5,820 |
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $2,811,000 | 4,800 |
| Total interest expense | $695,000 | 3,065 |
| Net interest income | $2,116,000 | 5,025 |
| Provision for loan and lease losses | $-1,447,000 | 5,857 |
| Total noninterest income | $749,000 | 3,477 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $1,000 | 5,758 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $748,000 | 2,743 |
| Total noninterest expense | $3,693,000 | 3,795 |
| Salaries and employee benefits | $1,615,000 | 4,256 |
| Premises and equipment expense | $213,000 | 4,815 |
| Additional noninterest expense | $1,865,000 | 2,882 |
| Pre-tax net operating income | $619,000 | 4,630 |
| Securities gains (losses) | $-391,000 | 5,869 |
| Applicable income taxes | $18,000 | 3,886 |
| Income before extraordinary items | $210,000 | 5,305 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $210,000 | 5,304 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $210,000 | 5,304 |
| Net charge-offs | $-53,000 | 5,379 |
| Cash dividends | $0 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 759 |
| Net operating income | $569,720 | 4,548 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $2,504,000 | 4,586 |
| Total interest expense | $594,000 | 2,839 |
| Net interest income | $1,910,000 | 4,816 |
| Provision for loan and lease losses | $0 | 4,186 |
| Total noninterest income | $749,000 | 3,042 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $1,000 | 5,816 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $748,000 | 2,405 |
| Total noninterest expense | $2,585,000 | 3,969 |
| Salaries and employee benefits | $894,000 | 4,788 |
| Premises and equipment expense | $160,000 | 4,842 |
| Additional noninterest expense | $1,531,000 | 2,721 |
| Pre-tax net operating income | $74,000 | 5,575 |
| Securities gains (losses) | $-391,000 | 5,956 |
| Applicable income taxes | $18,000 | 3,882 |
| Income before extraordinary items | $-335,000 | 5,867 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $-335,000 | 5,867 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-335,000 | 5,867 |
| Net charge-offs | $-53,000 | 5,394 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $56,000 | 5,596 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $1,917,000 | 4,350 |
| Total interest expense | $449,000 | 2,616 |
| Net interest income | $1,468,000 | 4,634 |
| Provision for loan and lease losses | $0 | 4,017 |
| Total noninterest income | $196,000 | 4,433 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $1,000 | 5,885 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $195,000 | 3,636 |
| Total noninterest expense | $1,937,000 | 3,744 |
| Salaries and employee benefits | $617,000 | 4,780 |
| Premises and equipment expense | $106,000 | 4,888 |
| Additional noninterest expense | $1,214,000 | 2,366 |
| Pre-tax net operating income | $-273,000 | 5,941 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $18,000 | 3,794 |
| Income before extraordinary items | $-291,000 | 5,949 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-291,000 | 5,948 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-291,000 | 5,948 |
| Net charge-offs | $-53,000 | 5,527 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $-291,000 | 5,941 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $1,064,000 | 4,178 |
| Total interest expense | $251,000 | 2,434 |
| Net interest income | $813,000 | 4,479 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $186,000 | 3,479 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $0 | 5,957 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $186,000 | 2,703 |
| Total noninterest expense | $1,014,000 | 3,679 |
| Salaries and employee benefits | $313,000 | 4,785 |
| Premises and equipment expense | $56,000 | 4,851 |
| Additional noninterest expense | $645,000 | 2,243 |
| Pre-tax net operating income | $-15,000 | 5,843 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $18,000 | 3,526 |
| Income before extraordinary items | $-33,000 | 5,899 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $-33,000 | 5,898 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $-33,000 | 5,898 |
| Net charge-offs | $31,000 | 1,731 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $-33,000 | 5,875 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $5,658,000 | 3,570 |
| Total interest expense | $1,307,000 | 1,977 |
| Net interest income | $4,351,000 | 3,890 |
| Provision for loan and lease losses | $0 | 4,380 |
| Total noninterest income | $475,000 | 4,253 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $1,000 | 6,020 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $474,000 | 3,362 |
| Total noninterest expense | $6,326,000 | 2,757 |
| Salaries and employee benefits | $2,747,000 | 3,205 |
| Premises and equipment expense | $704,000 | 2,810 |
| Additional noninterest expense | $2,875,000 | 2,085 |
| Pre-tax net operating income | $-1,500,000 | 6,123 |
| Securities gains (losses) | $1,000 | 3,117 |
| Applicable income taxes | $9,000 | 4,119 |
| Income before extraordinary items | $-1,508,000 | 6,121 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,508,000 | 6,121 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-1,508,000 | 6,121 |
| Net charge-offs | $277,000 | 1,679 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $-1,509,000 | 6,117 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $4,173,000 | 3,640 |
| Total interest expense | $1,034,000 | 1,924 |
| Net interest income | $3,139,000 | 4,017 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $56,000 | 5,920 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $1,000 | 6,097 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $55,000 | 5,360 |
| Total noninterest expense | $4,535,000 | 2,860 |
| Salaries and employee benefits | $1,896,000 | 3,395 |
| Premises and equipment expense | $402,000 | 3,381 |
| Additional noninterest expense | $2,237,000 | 2,006 |
| Pre-tax net operating income | $-1,340,000 | 6,221 |
| Securities gains (losses) | $1,000 | 2,915 |
| Applicable income taxes | $8,000 | 4,197 |
| Income before extraordinary items | $-1,347,000 | 6,221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,347,000 | 6,221 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,347,000 | 6,221 |
| Net charge-offs | $277,000 | 1,266 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $-1,348,000 | 6,218 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $2,898,000 | 3,571 |
| Total interest expense | $709,000 | 1,878 |
| Net interest income | $2,189,000 | 3,936 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $59,000 | 5,729 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $0 | 6,182 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $59,000 | 5,047 |
| Total noninterest expense | $2,875,000 | 2,981 |
| Salaries and employee benefits | $1,171,000 | 3,595 |
| Premises and equipment expense | $224,000 | 3,764 |
| Additional noninterest expense | $1,480,000 | 2,016 |
| Pre-tax net operating income | $-627,000 | 6,268 |
| Securities gains (losses) | $1,000 | 2,511 |
| Applicable income taxes | $7,000 | 4,172 |
| Income before extraordinary items | $-633,000 | 6,274 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-633,000 | 6,274 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $-633,000 | 6,274 |
| Net charge-offs | $0 | 3,893 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $-634,000 | 6,270 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,432,000 | 3,599 |
| Total interest expense | $353,000 | 1,902 |
| Net interest income | $1,079,000 | 3,981 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $10,000 | 6,210 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $0 | 6,235 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $10,000 | 5,789 |
| Total noninterest expense | $1,467,000 | 2,947 |
| Salaries and employee benefits | $684,000 | 3,287 |
| Premises and equipment expense | $112,000 | 3,808 |
| Additional noninterest expense | $671,000 | 2,179 |
| Pre-tax net operating income | $-378,000 | 6,348 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $7,000 | 3,948 |
| Income before extraordinary items | $-385,000 | 6,356 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $-385,000 | 6,357 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $-385,000 | 6,357 |
| Net charge-offs | $0 | 3,288 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $-385,000 | 6,351 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $7,890,000 | 2,914 |
| Total interest expense | $1,466,000 | 1,925 |
| Net interest income | $6,424,000 | 3,082 |
| Provision for loan and lease losses | $-2,067,000 | 6,418 |
| Total noninterest income | $122,000 | 5,831 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $3,000 | 6,312 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $119,000 | 5,094 |
| Total noninterest expense | $7,087,000 | 2,592 |
| Salaries and employee benefits | $2,859,000 | 3,179 |
| Premises and equipment expense | $650,000 | 3,060 |
| Additional noninterest expense | $3,578,000 | 1,737 |
| Pre-tax net operating income | $1,526,000 | 3,455 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $6,000 | 4,280 |
| Income before extraordinary items | $1,520,000 | 3,224 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $1,520,000 | 3,224 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,520,000 | 3,225 |
| Net charge-offs | $-68,000 | 6,066 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,520,000 | 3,169 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $6,244,000 | 2,817 |
| Total interest expense | $1,110,000 | 1,937 |
| Net interest income | $5,134,000 | 2,968 |
| Provision for loan and lease losses | $-2,067,000 | 6,524 |
| Total noninterest income | $871,000 | 2,908 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $2,000 | 6,399 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $869,000 | 2,127 |
| Total noninterest expense | $5,061,000 | 2,688 |
| Salaries and employee benefits | $2,146,000 | 3,195 |
| Premises and equipment expense | $541,000 | 2,887 |
| Additional noninterest expense | $2,374,000 | 1,938 |
| Pre-tax net operating income | $3,011,000 | 1,849 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $6,000 | 4,296 |
| Income before extraordinary items | $3,005,000 | 1,578 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,005,000 | 1,578 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $3,005,000 | 1,578 |
| Net charge-offs | $-3,000 | 5,367 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $3,005,000 | 1,550 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,519,000 | 2,646 |
| Total interest expense | $748,000 | 1,947 |
| Net interest income | $3,771,000 | 2,760 |
| Provision for loan and lease losses | $-1,250,000 | 6,577 |
| Total noninterest income | $95,000 | 5,547 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $2,000 | 6,440 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $93,000 | 4,666 |
| Total noninterest expense | $3,916,000 | 2,368 |
| Salaries and employee benefits | $1,611,000 | 2,969 |
| Premises and equipment expense | $675,000 | 1,758 |
| Additional noninterest expense | $1,630,000 | 1,877 |
| Pre-tax net operating income | $1,200,000 | 2,652 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $449,000 | 1,648 |
| Income before extraordinary items | $751,000 | 3,222 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $751,000 | 3,228 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $751,000 | 3,228 |
| Net charge-offs | $-3,000 | 5,301 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $751,000 | 3,175 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,554,000 | 3,500 |
| Total interest expense | $379,000 | 1,960 |
| Net interest income | $1,175,000 | 3,846 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $-19,000 | 6,650 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $1,000 | 6,493 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $-20,000 | 6,595 |
| Total noninterest expense | $1,999,000 | 2,341 |
| Salaries and employee benefits | $924,000 | 2,695 |
| Premises and equipment expense | $188,000 | 2,873 |
| Additional noninterest expense | $887,000 | 1,721 |
| Pre-tax net operating income | $-843,000 | 6,677 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $6,000 | 3,988 |
| Income before extraordinary items | $-849,000 | 6,678 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-849,000 | 6,678 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-849,000 | 6,678 |
| Net charge-offs | $0 | 3,660 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-849,000 | 6,676 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $8,555,000 | 2,790 |
| Total interest expense | $2,022,000 | 1,689 |
| Net interest income | $6,533,000 | 3,056 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $-497,000 | 6,774 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $5,000 | 6,589 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-502,000 | 6,738 |
| Total noninterest expense | $9,148,000 | 2,069 |
| Salaries and employee benefits | $4,203,000 | 2,371 |
| Premises and equipment expense | $1,420,000 | 1,656 |
| Additional noninterest expense | $3,525,000 | 1,806 |
| Pre-tax net operating income | $-3,112,000 | 6,721 |
| Securities gains (losses) | $91,000 | 1,394 |
| Applicable income taxes | $290,000 | 2,665 |
| Income before extraordinary items | $-3,311,000 | 6,728 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,311,000 | 6,728 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-3,311,000 | 6,728 |
| Net charge-offs | $612,000 | 1,791 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-3,402,000 | 6,729 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,868,000 | 2,651 |
| Total interest expense | $1,566,000 | 1,672 |
| Net interest income | $5,302,000 | 2,902 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $211,000 | 5,300 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $4,000 | 6,658 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $207,000 | 4,269 |
| Total noninterest expense | $6,502,000 | 2,170 |
| Salaries and employee benefits | $3,052,000 | 2,454 |
| Premises and equipment expense | $822,000 | 2,097 |
| Additional noninterest expense | $2,628,000 | 1,805 |
| Pre-tax net operating income | $-989,000 | 6,701 |
| Securities gains (losses) | $87,000 | 1,313 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-902,000 | 6,707 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-902,000 | 6,708 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-902,000 | 6,708 |
| Net charge-offs | $612,000 | 1,404 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-989,000 | 6,707 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 2,459 |
| Total interest expense | $1,066,000 | 1,675 |
| Net interest income | $3,872,000 | 2,677 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $331,000 | 4,039 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $3,000 | 6,691 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $328,000 | 3,088 |
| Total noninterest expense | $4,372,000 | 2,149 |
| Salaries and employee benefits | $2,046,000 | 2,445 |
| Premises and equipment expense | $578,000 | 1,996 |
| Additional noninterest expense | $1,748,000 | 1,806 |
| Pre-tax net operating income | $-169,000 | 6,532 |
| Securities gains (losses) | $73,000 | 1,297 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-96,000 | 6,520 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-96,000 | 6,521 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-96,000 | 6,521 |
| Net charge-offs | $70,000 | 3,069 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-169,000 | 6,547 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,008,000 | 2,975 |
| Total interest expense | $542,000 | 1,697 |
| Net interest income | $1,466,000 | 3,356 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $607,000 | 1,938 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $2,000 | 6,720 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $605,000 | 1,381 |
| Total noninterest expense | $2,175,000 | 2,182 |
| Salaries and employee benefits | $1,034,000 | 2,451 |
| Premises and equipment expense | $297,000 | 1,981 |
| Additional noninterest expense | $844,000 | 1,854 |
| Pre-tax net operating income | $-102,000 | 6,624 |
| Securities gains (losses) | $12,000 | 1,440 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-90,000 | 6,649 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-90,000 | 6,650 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-90,000 | 6,650 |
| Net charge-offs | $104,000 | 1,862 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-102,000 | 6,632 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,231,000 | 2,766 |
| Total interest expense | $2,515,000 | 1,738 |
| Net interest income | $6,716,000 | 3,090 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $2,873,000 | 1,689 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $13,000 | 6,752 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,860,000 | 1,198 |
| Total noninterest expense | $9,369,000 | 2,043 |
| Salaries and employee benefits | $4,245,000 | 2,322 |
| Premises and equipment expense | $1,367,000 | 1,727 |
| Additional noninterest expense | $3,757,000 | 1,757 |
| Pre-tax net operating income | $220,000 | 5,631 |
| Securities gains (losses) | $553,000 | 855 |
| Applicable income taxes | $560,000 | 2,069 |
| Income before extraordinary items | $213,000 | 5,749 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $213,000 | 5,747 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $213,000 | 5,748 |
| Net charge-offs | $-720,000 | 7,058 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-140,920 | 6,329 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,917,000 | 2,831 |
| Total interest expense | $1,931,000 | 1,772 |
| Net interest income | $4,986,000 | 3,164 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $3,009,000 | 1,333 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $11,000 | 6,825 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,998,000 | 941 |
| Total noninterest expense | $6,937,000 | 2,073 |
| Salaries and employee benefits | $3,094,000 | 2,385 |
| Premises and equipment expense | $1,029,000 | 1,725 |
| Additional noninterest expense | $2,814,000 | 1,765 |
| Pre-tax net operating income | $1,058,000 | 3,527 |
| Securities gains (losses) | $522,000 | 732 |
| Applicable income taxes | $560,000 | 1,817 |
| Income before extraordinary items | $1,020,000 | 3,393 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,020,000 | 3,394 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,020,000 | 3,395 |
| Net charge-offs | $-153,000 | 7,077 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $680,700 | 3,972 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,736,000 | 2,781 |
| Total interest expense | $1,315,000 | 1,786 |
| Net interest income | $3,421,000 | 3,108 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $2,568,000 | 1,104 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $8,000 | 6,853 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,560,000 | 778 |
| Total noninterest expense | $4,610,000 | 2,077 |
| Salaries and employee benefits | $2,018,000 | 2,436 |
| Premises and equipment expense | $675,000 | 1,743 |
| Additional noninterest expense | $1,917,000 | 1,731 |
| Pre-tax net operating income | $1,379,000 | 2,285 |
| Securities gains (losses) | $537,000 | 509 |
| Applicable income taxes | $560,000 | 1,382 |
| Income before extraordinary items | $1,356,000 | 2,061 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,356,000 | 2,058 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,356,000 | 2,061 |
| Net charge-offs | $26,000 | 4,477 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $974,730 | 2,529 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,267,000 | 2,928 |
| Total interest expense | $666,000 | 1,839 |
| Net interest income | $1,601,000 | 3,273 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $1,513,000 | 974 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $3,000 | 6,938 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,510,000 | 680 |
| Total noninterest expense | $2,367,000 | 2,017 |
| Salaries and employee benefits | $1,059,000 | 2,353 |
| Premises and equipment expense | $350,000 | 1,703 |
| Additional noninterest expense | $958,000 | 1,738 |
| Pre-tax net operating income | $747,000 | 2,136 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $560,000 | 803 |
| Income before extraordinary items | $187,000 | 4,488 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $187,000 | 4,490 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $187,000 | 4,491 |
| Net charge-offs | $31,000 | 3,398 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $187,000 | 4,347 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,549,000 | 2,232 |
| Total interest expense | $3,191,000 | 1,854 |
| Net interest income | $9,358,000 | 2,339 |
| Provision for loan and lease losses | $425,000 | 3,672 |
| Total noninterest income | $-2,296,000 | 7,308 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $12,000 | 6,826 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-2,308,000 | 7,290 |
| Total noninterest expense | $9,431,000 | 2,025 |
| Salaries and employee benefits | $4,329,000 | 2,234 |
| Premises and equipment expense | $1,160,000 | 2,122 |
| Additional noninterest expense | $3,942,000 | 1,723 |
| Pre-tax net operating income | $-2,794,000 | 6,895 |
| Securities gains (losses) | $-109,000 | 7,091 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-2,903,000 | 6,942 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,903,000 | 6,943 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,903,000 | 6,943 |
| Net charge-offs | $620,000 | 2,914 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-2,794,000 | 6,909 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,951,000 | 2,359 |
| Total interest expense | $2,452,000 | 1,887 |
| Net interest income | $6,499,000 | 2,548 |
| Provision for loan and lease losses | $400,000 | 3,210 |
| Total noninterest income | $-2,100,000 | 7,393 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $9,000 | 6,879 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-2,109,000 | 7,381 |
| Total noninterest expense | $6,930,000 | 2,078 |
| Salaries and employee benefits | $3,077,000 | 2,342 |
| Premises and equipment expense | $803,000 | 2,294 |
| Additional noninterest expense | $3,050,000 | 1,677 |
| Pre-tax net operating income | $-2,931,000 | 7,101 |
| Securities gains (losses) | $-86,000 | 7,209 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-3,017,000 | 7,153 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,017,000 | 7,153 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-3,017,000 | 7,154 |
| Net charge-offs | $571,000 | 2,527 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,931,000 | 7,131 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,119,000 | 2,752 |
| Total interest expense | $1,683,000 | 1,899 |
| Net interest income | $3,436,000 | 3,145 |
| Provision for loan and lease losses | $300,000 | 2,953 |
| Total noninterest income | $-229,000 | 7,358 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $7,000 | 6,898 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-236,000 | 7,291 |
| Total noninterest expense | $5,143,000 | 1,878 |
| Salaries and employee benefits | $2,152,000 | 2,260 |
| Premises and equipment expense | $904,000 | 1,404 |
| Additional noninterest expense | $2,087,000 | 1,653 |
| Pre-tax net operating income | $-2,236,000 | 7,201 |
| Securities gains (losses) | $-87,000 | 7,303 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,323,000 | 7,238 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,323,000 | 7,238 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,323,000 | 7,239 |
| Net charge-offs | $310,000 | 2,650 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,236,000 | 7,221 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,484,000 | 2,843 |
| Total interest expense | $905,000 | 1,826 |
| Net interest income | $1,579,000 | 3,339 |
| Provision for loan and lease losses | $300,000 | 1,892 |
| Total noninterest income | $169,000 | 3,923 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $3,000 | 6,929 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $166,000 | 2,735 |
| Total noninterest expense | $2,735,000 | 1,804 |
| Salaries and employee benefits | $1,130,000 | 2,178 |
| Premises and equipment expense | $453,000 | 1,425 |
| Additional noninterest expense | $1,152,000 | 1,509 |
| Pre-tax net operating income | $-1,287,000 | 7,320 |
| Securities gains (losses) | $25,000 | 1,017 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,262,000 | 7,337 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,262,000 | 7,337 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,262,000 | 7,338 |
| Net charge-offs | $-117,000 | 7,461 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,287,000 | 7,335 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $17,140,000 | 1,763 |
| Total interest expense | $6,845,000 | 1,202 |
| Net interest income | $10,295,000 | 2,122 |
| Provision for loan and lease losses | $4,635,000 | 1,212 |
| Total noninterest income | $-704,000 | 7,515 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $16,000 | 6,659 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-720,000 | 7,447 |
| Total noninterest expense | $12,215,000 | 1,627 |
| Salaries and employee benefits | $4,969,000 | 1,954 |
| Premises and equipment expense | $1,948,000 | 1,326 |
| Additional noninterest expense | $5,298,000 | 1,374 |
| Pre-tax net operating income | $-7,259,000 | 7,248 |
| Securities gains (losses) | $1,333,000 | 382 |
| Applicable income taxes | $2,125,000 | 709 |
| Income before extraordinary items | $-8,051,000 | 7,326 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-8,051,000 | 7,326 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-8,051,000 | 7,326 |
| Net charge-offs | $7,439,000 | 756 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-9,384,000 | 7,348 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $14,062,000 | 1,657 |
| Total interest expense | $5,745,000 | 1,116 |
| Net interest income | $8,317,000 | 1,985 |
| Provision for loan and lease losses | $4,335,000 | 983 |
| Total noninterest income | $-450,000 | 7,633 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $12,000 | 6,750 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-462,000 | 7,568 |
| Total noninterest expense | $10,358,000 | 1,436 |
| Salaries and employee benefits | $3,844,000 | 1,893 |
| Premises and equipment expense | $1,499,000 | 1,313 |
| Additional noninterest expense | $5,015,000 | 1,072 |
| Pre-tax net operating income | $-6,826,000 | 7,455 |
| Securities gains (losses) | $1,741,000 | 249 |
| Applicable income taxes | $2,125,000 | 569 |
| Income before extraordinary items | $-7,210,000 | 7,519 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-7,210,000 | 7,519 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-7,210,000 | 7,519 |
| Net charge-offs | $6,821,000 | 635 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-8,951,000 | 7,549 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,287,000 | 1,690 |
| Total interest expense | $4,301,000 | 1,041 |
| Net interest income | $4,986,000 | 2,227 |
| Provision for loan and lease losses | $50,000 | 5,837 |
| Total noninterest income | $-1,337,000 | 7,792 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $8,000 | 6,793 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-1,345,000 | 7,781 |
| Total noninterest expense | $7,104,000 | 1,401 |
| Salaries and employee benefits | $2,566,000 | 1,907 |
| Premises and equipment expense | $1,017,000 | 1,302 |
| Additional noninterest expense | $3,521,000 | 1,009 |
| Pre-tax net operating income | $-3,505,000 | 7,441 |
| Securities gains (losses) | $487,000 | 488 |
| Applicable income taxes | $2,125,000 | 385 |
| Income before extraordinary items | $-5,143,000 | 7,593 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-5,143,000 | 7,593 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-5,143,000 | 7,593 |
| Net charge-offs | $2,193,000 | 1,065 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-5,630,000 | 7,609 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,998,000 | 1,617 |
| Total interest expense | $2,258,000 | 1,040 |
| Net interest income | $2,740,000 | 2,037 |
| Provision for loan and lease losses | $500,000 | 1,815 |
| Total noninterest income | $-283,000 | 7,858 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $4,000 | 6,875 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-287,000 | 7,833 |
| Total noninterest expense | $3,816,000 | 1,311 |
| Salaries and employee benefits | $1,324,000 | 1,890 |
| Premises and equipment expense | $521,000 | 1,314 |
| Additional noninterest expense | $1,971,000 | 898 |
| Pre-tax net operating income | $-1,859,000 | 7,579 |
| Securities gains (losses) | $654,000 | 195 |
| Applicable income taxes | $1,191,000 | 336 |
| Income before extraordinary items | $-2,396,000 | 7,678 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,396,000 | 7,679 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,396,000 | 7,679 |
| Net charge-offs | $654,000 | 1,387 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-3,050,000 | 7,710 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,065,000 | 1,366 |
| Total interest expense | $13,125,000 | 900 |
| Net interest income | $11,940,000 | 1,852 |
| Provision for loan and lease losses | $15,440,000 | 593 |
| Total noninterest income | $-4,066,000 | 7,989 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $17,000 | 6,943 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-4,083,000 | 7,982 |
| Total noninterest expense | $17,356,000 | 1,197 |
| Salaries and employee benefits | $7,097,000 | 1,419 |
| Premises and equipment expense | $2,701,000 | 1,000 |
| Additional noninterest expense | $7,558,000 | 1,027 |
| Pre-tax net operating income | $-24,922,000 | 7,765 |
| Securities gains (losses) | $514,000 | 865 |
| Applicable income taxes | $-1,285,000 | 7,370 |
| Income before extraordinary items | $-23,123,000 | 7,764 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-23,123,000 | 7,763 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-23,123,000 | 7,763 |
| Net charge-offs | $17,087,000 | 461 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-23,611,300 | 7,773 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $19,318,000 | 1,357 |
| Total interest expense | $10,464,000 | 891 |
| Net interest income | $8,854,000 | 1,874 |
| Provision for loan and lease losses | $13,950,000 | 486 |
| Total noninterest income | $-3,710,000 | 8,080 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $13,000 | 6,976 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-3,723,000 | 8,075 |
| Total noninterest expense | $14,292,000 | 1,086 |
| Salaries and employee benefits | $5,772,000 | 1,309 |
| Premises and equipment expense | $2,159,000 | 950 |
| Additional noninterest expense | $6,361,000 | 884 |
| Pre-tax net operating income | $-23,098,000 | 7,891 |
| Securities gains (losses) | $515,000 | 686 |
| Applicable income taxes | $-7,961,000 | 7,955 |
| Income before extraordinary items | $-14,622,000 | 7,851 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-14,622,000 | 7,850 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-14,622,000 | 7,850 |
| Net charge-offs | $13,444,000 | 416 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-14,956,750 | 7,855 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $14,121,000 | 1,269 |
| Total interest expense | $7,273,000 | 899 |
| Net interest income | $6,848,000 | 1,652 |
| Provision for loan and lease losses | $13,600,000 | 376 |
| Total noninterest income | $-1,347,000 | 8,152 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $8,000 | 7,058 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-1,355,000 | 8,144 |
| Total noninterest expense | $8,993,000 | 1,162 |
| Salaries and employee benefits | $3,870,000 | 1,327 |
| Premises and equipment expense | $1,203,000 | 1,172 |
| Additional noninterest expense | $3,920,000 | 981 |
| Pre-tax net operating income | $-17,092,000 | 8,005 |
| Securities gains (losses) | $465,000 | 534 |
| Applicable income taxes | $-5,865,000 | 8,054 |
| Income before extraordinary items | $-10,762,000 | 7,959 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-10,762,000 | 7,957 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-10,762,000 | 7,958 |
| Net charge-offs | $9,598,000 | 384 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-11,064,250 | 7,971 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,570,000 | 1,190 |
| Total interest expense | $3,865,000 | 871 |
| Net interest income | $3,705,000 | 1,502 |
| Provision for loan and lease losses | $5,200,000 | 393 |
| Total noninterest income | $-1,403,000 | 8,226 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $6,000 | 6,959 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-1,409,000 | 8,229 |
| Total noninterest expense | $3,875,000 | 1,291 |
| Salaries and employee benefits | $1,856,000 | 1,413 |
| Premises and equipment expense | $584,000 | 1,223 |
| Additional noninterest expense | $1,435,000 | 1,158 |
| Pre-tax net operating income | $-6,773,000 | 8,072 |
| Securities gains (losses) | $445,000 | 373 |
| Applicable income taxes | $-2,232,000 | 8,097 |
| Income before extraordinary items | $-4,096,000 | 8,028 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,096,000 | 8,029 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-4,096,000 | 8,029 |
| Net charge-offs | $3,074,000 | 444 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,385,250 | 8,037 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $37,570,000 | 1,008 |
| Total interest expense | $18,807,000 | 849 |
| Net interest income | $18,763,000 | 1,184 |
| Provision for loan and lease losses | $4,000,000 | 1,179 |
| Total noninterest income | $-12,000 | 8,160 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $22,000 | 7,014 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-34,000 | 8,076 |
| Total noninterest expense | $15,221,000 | 1,284 |
| Salaries and employee benefits | $8,065,000 | 1,248 |
| Premises and equipment expense | $2,264,000 | 1,209 |
| Additional noninterest expense | $4,892,000 | 1,289 |
| Pre-tax net operating income | $-470,000 | 6,747 |
| Securities gains (losses) | $-3,021,000 | 8,003 |
| Applicable income taxes | $-1,230,000 | 7,775 |
| Income before extraordinary items | $-2,261,000 | 7,454 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,261,000 | 7,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,528,000 | 1,123 |
| Cash dividends | $1,000,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-297,350 | 6,717 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $29,375,000 | 978 |
| Total interest expense | $14,646,000 | 849 |
| Net interest income | $14,729,000 | 1,142 |
| Provision for loan and lease losses | $2,700,000 | 967 |
| Total noninterest income | $-46,000 | 8,288 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $17,000 | 7,062 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-63,000 | 8,251 |
| Total noninterest expense | $11,239,000 | 1,280 |
| Salaries and employee benefits | $6,343,000 | 1,200 |
| Premises and equipment expense | $1,624,000 | 1,271 |
| Additional noninterest expense | $3,272,000 | 1,368 |
| Pre-tax net operating income | $744,000 | 4,227 |
| Securities gains (losses) | $-3,021,000 | 8,141 |
| Applicable income taxes | $264,000 | 2,603 |
| Income before extraordinary items | $-2,541,000 | 7,954 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,541,000 | 7,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,468,000 | 729 |
| Cash dividends | $1,000,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $480,000 | 4,669 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $20,130,000 | 967 |
| Total interest expense | $10,272,000 | 827 |
| Net interest income | $9,858,000 | 1,113 |
| Provision for loan and lease losses | $2,400,000 | 689 |
| Total noninterest income | $-60,000 | 8,387 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-71,000 | 8,371 |
| Total noninterest expense | $7,227,000 | 1,326 |
| Salaries and employee benefits | $4,305,000 | 1,196 |
| Premises and equipment expense | $944,000 | 1,477 |
| Additional noninterest expense | $1,978,000 | 1,484 |
| Pre-tax net operating income | $171,000 | 6,000 |
| Securities gains (losses) | $-351,000 | 8,325 |
| Applicable income taxes | $-63,000 | 7,788 |
| Income before extraordinary items | $-117,000 | 7,273 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-117,000 | 7,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $654,000 | 1,116 |
| Cash dividends | $1,000,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $111,150 | 6,208 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $10,180,000 | 980 |
| Total interest expense | $5,359,000 | 851 |
| Net interest income | $4,821,000 | 1,137 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $7,000 | 8,144 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $6,000 | 7,087 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $3,687,000 | 1,306 |
| Salaries and employee benefits | $2,281,000 | 1,130 |
| Premises and equipment expense | $460,000 | 1,516 |
| Additional noninterest expense | $946,000 | 1,521 |
| Pre-tax net operating income | $1,041,000 | 1,721 |
| Securities gains (losses) | $-138,000 | 8,428 |
| Applicable income taxes | $332,000 | 1,373 |
| Income before extraordinary items | $571,000 | 2,414 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $571,000 | 2,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,021 |
| Cash dividends | $600,000 | 1,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $659,320 | 2,068 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $40,678,000 | 1,036 |
| Total interest expense | $19,618,000 | 1,001 |
| Net interest income | $21,060,000 | 1,053 |
| Provision for loan and lease losses | $-1,200,000 | 8,515 |
| Total noninterest income | $3,043,000 | 1,620 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $32,000 | 6,998 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,011,000 | 1,016 |
| Total noninterest expense | $15,275,000 | 1,217 |
| Salaries and employee benefits | $8,322,000 | 1,198 |
| Premises and equipment expense | $2,255,000 | 1,164 |
| Additional noninterest expense | $4,698,000 | 1,197 |
| Pre-tax net operating income | $10,028,000 | 847 |
| Securities gains (losses) | $-2,697,000 | 8,470 |
| Applicable income taxes | $2,665,000 | 891 |
| Income before extraordinary items | $4,666,000 | 1,385 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,666,000 | 1,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,681,000 | 8,527 |
| Cash dividends | $5,358,000 | 702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,392,080 | 1,006 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $29,890,000 | 1,063 |
| Total interest expense | $14,133,000 | 1,041 |
| Net interest income | $15,757,000 | 1,062 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $3,035,000 | 1,290 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $25,000 | 7,006 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,010,000 | 826 |
| Total noninterest expense | $11,636,000 | 1,197 |
| Salaries and employee benefits | $6,301,000 | 1,183 |
| Premises and equipment expense | $1,752,000 | 1,137 |
| Additional noninterest expense | $3,583,000 | 1,155 |
| Pre-tax net operating income | $7,156,000 | 969 |
| Securities gains (losses) | $8,000 | 1,069 |
| Applicable income taxes | $2,568,000 | 783 |
| Income before extraordinary items | $4,596,000 | 1,137 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,596,000 | 1,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,480,000 | 8,553 |
| Cash dividends | $4,457,000 | 630 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,590,880 | 1,119 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $18,882,000 | 1,145 |
| Total interest expense | $8,959,000 | 1,093 |
| Net interest income | $9,923,000 | 1,138 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $19,000 | 8,224 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $17,000 | 7,048 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,000 | 8,320 |
| Total noninterest expense | $7,741,000 | 1,224 |
| Salaries and employee benefits | $4,181,000 | 1,218 |
| Premises and equipment expense | $1,263,000 | 1,049 |
| Additional noninterest expense | $2,297,000 | 1,210 |
| Pre-tax net operating income | $2,201,000 | 1,993 |
| Securities gains (losses) | $8,000 | 912 |
| Applicable income taxes | $769,000 | 1,536 |
| Income before extraordinary items | $1,440,000 | 2,273 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,440,000 | 2,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,239 |
| Cash dividends | $1,200,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,434,800 | 2,264 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,205,000 | 1,162 |
| Total interest expense | $4,318,000 | 1,129 |
| Net interest income | $4,887,000 | 1,148 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $10,000 | 8,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $9,000 | 7,042 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $3,895,000 | 1,210 |
| Salaries and employee benefits | $2,326,000 | 1,106 |
| Premises and equipment expense | $580,000 | 1,166 |
| Additional noninterest expense | $989,000 | 1,347 |
| Pre-tax net operating income | $1,002,000 | 2,164 |
| Securities gains (losses) | $8,000 | 735 |
| Applicable income taxes | $344,000 | 1,696 |
| Income before extraordinary items | $666,000 | 2,427 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $666,000 | 2,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,145 |
| Cash dividends | $300,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $660,720 | 2,421 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $37,735,000 | 1,044 |
| Total interest expense | $16,537,000 | 1,004 |
| Net interest income | $21,198,000 | 1,048 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,213,000 | 3,104 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $38,000 | 7,061 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,175,000 | 1,995 |
| Total noninterest expense | $14,157,000 | 1,265 |
| Salaries and employee benefits | $8,036,000 | 1,211 |
| Premises and equipment expense | $2,316,000 | 1,099 |
| Additional noninterest expense | $3,805,000 | 1,392 |
| Pre-tax net operating income | $8,254,000 | 1,197 |
| Securities gains (losses) | $493,000 | 252 |
| Applicable income taxes | $3,155,000 | 900 |
| Income before extraordinary items | $5,592,000 | 1,298 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,592,000 | 1,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-232,000 | 8,592 |
| Cash dividends | $3,175,000 | 1,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,276,480 | 1,376 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $27,701,000 | 1,066 |
| Total interest expense | $11,946,000 | 1,016 |
| Net interest income | $15,755,000 | 1,078 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,202,000 | 2,596 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $29,000 | 7,139 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,173,000 | 1,618 |
| Total noninterest expense | $10,092,000 | 1,338 |
| Salaries and employee benefits | $5,548,000 | 1,329 |
| Premises and equipment expense | $1,734,000 | 1,108 |
| Additional noninterest expense | $2,810,000 | 1,407 |
| Pre-tax net operating income | $6,865,000 | 1,116 |
| Securities gains (losses) | $101,000 | 443 |
| Applicable income taxes | $2,526,000 | 899 |
| Income before extraordinary items | $4,440,000 | 1,275 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,440,000 | 1,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-161,000 | 8,605 |
| Cash dividends | $2,275,000 | 1,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,375,360 | 1,277 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,552,000 | 1,101 |
| Total interest expense | $7,312,000 | 1,044 |
| Net interest income | $10,240,000 | 1,104 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,191,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $20,000 | 7,168 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,171,000 | 1,210 |
| Total noninterest expense | $6,818,000 | 1,338 |
| Salaries and employee benefits | $3,768,000 | 1,316 |
| Premises and equipment expense | $1,157,000 | 1,103 |
| Additional noninterest expense | $1,893,000 | 1,406 |
| Pre-tax net operating income | $4,613,000 | 1,102 |
| Securities gains (losses) | $105,000 | 345 |
| Applicable income taxes | $1,711,000 | 889 |
| Income before extraordinary items | $3,007,000 | 1,244 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,007,000 | 1,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-140,000 | 8,633 |
| Cash dividends | $1,375,000 | 1,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,939,800 | 1,259 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,269,000 | 1,146 |
| Total interest expense | $3,276,000 | 1,110 |
| Net interest income | $4,993,000 | 1,124 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $-130,000 | 8,783 |
| 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 | $-140,000 | 8,791 |
| Total noninterest expense | $3,634,000 | 1,264 |
| Salaries and employee benefits | $2,107,000 | 1,178 |
| Premises and equipment expense | $592,000 | 1,080 |
| Additional noninterest expense | $935,000 | 1,412 |
| Pre-tax net operating income | $1,229,000 | 1,930 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $435,000 | 1,555 |
| Income before extraordinary items | $794,000 | 2,208 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $794,000 | 2,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,577 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $794,000 | 2,186 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $29,274,000 | 1,125 |
| Total interest expense | $10,461,000 | 1,074 |
| Net interest income | $18,813,000 | 1,142 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $228,000 | 6,846 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $41,000 | 7,214 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $187,000 | 5,304 |
| Total noninterest expense | $13,208,000 | 1,311 |
| Salaries and employee benefits | $6,749,000 | 1,378 |
| Premises and equipment expense | $2,093,000 | 1,175 |
| Additional noninterest expense | $4,366,000 | 1,175 |
| Pre-tax net operating income | $5,833,000 | 1,611 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,124,000 | 1,290 |
| Income before extraordinary items | $3,709,000 | 1,854 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,709,000 | 1,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-450,000 | 8,780 |
| Cash dividends | $3,750,000 | 859 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,709,000 | 1,839 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $21,826,000 | 1,097 |
| Total interest expense | $7,618,000 | 1,035 |
| Net interest income | $14,208,000 | 1,131 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $261,000 | 6,064 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $31,000 | 7,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $230,000 | 4,283 |
| Total noninterest expense | $9,482,000 | 1,355 |
| Salaries and employee benefits | $4,980,000 | 1,386 |
| Premises and equipment expense | $1,560,000 | 1,167 |
| Additional noninterest expense | $2,942,000 | 1,296 |
| Pre-tax net operating income | $4,987,000 | 1,438 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,776,000 | 1,195 |
| Income before extraordinary items | $3,211,000 | 1,637 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,211,000 | 1,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-374,000 | 8,799 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,211,000 | 1,600 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,143,000 | 1,093 |
| Total interest expense | $4,765,000 | 1,042 |
| Net interest income | $9,378,000 | 1,128 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $248,000 | 5,232 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $21,000 | 7,247 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $227,000 | 3,541 |
| Total noninterest expense | $6,232,000 | 1,363 |
| Salaries and employee benefits | $3,283,000 | 1,402 |
| Premises and equipment expense | $1,023,000 | 1,172 |
| Additional noninterest expense | $1,926,000 | 1,295 |
| Pre-tax net operating income | $3,394,000 | 1,384 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,230,000 | 1,135 |
| Income before extraordinary items | $2,164,000 | 1,592 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,164,000 | 1,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-181,000 | 8,749 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,164,000 | 1,565 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,807,000 | 1,118 |
| Total interest expense | $2,153,000 | 1,087 |
| Net interest income | $4,654,000 | 1,124 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $235,000 | 3,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $224,000 | 2,309 |
| Total noninterest expense | $3,145,000 | 1,357 |
| Salaries and employee benefits | $1,724,000 | 1,342 |
| Premises and equipment expense | $540,000 | 1,108 |
| Additional noninterest expense | $881,000 | 1,412 |
| Pre-tax net operating income | $1,744,000 | 1,320 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $623,000 | 1,107 |
| Income before extraordinary items | $1,121,000 | 1,511 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,121,000 | 1,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 741 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,121,000 | 1,487 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,547,000 | 1,155 |
| Total interest expense | $7,962,000 | 1,018 |
| Net interest income | $16,585,000 | 1,213 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,139,000 | 2,099 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $51,000 | 7,279 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,088,000 | 1,277 |
| Total noninterest expense | $14,564,000 | 1,114 |
| Salaries and employee benefits | $5,812,000 | 1,527 |
| Premises and equipment expense | $1,911,000 | 1,195 |
| Additional noninterest expense | $6,841,000 | 752 |
| Pre-tax net operating income | $4,160,000 | 1,993 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,510,000 | 1,596 |
| Income before extraordinary items | $2,650,000 | 2,305 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,650,000 | 2,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-163,000 | 8,856 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,650,000 | 2,256 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,644,000 | 1,176 |
| Total interest expense | $5,744,000 | 1,034 |
| Net interest income | $11,900,000 | 1,262 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,125,000 | 1,694 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $39,000 | 7,302 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,086,000 | 1,047 |
| Total noninterest expense | $11,679,000 | 1,035 |
| Salaries and employee benefits | $4,291,000 | 1,546 |
| Premises and equipment expense | $1,421,000 | 1,216 |
| Additional noninterest expense | $5,967,000 | 654 |
| Pre-tax net operating income | $2,346,000 | 2,526 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $848,000 | 2,020 |
| Income before extraordinary items | $1,498,000 | 2,960 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,498,000 | 2,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $988,000 | 579 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,498,000 | 2,877 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,894,000 | 1,156 |
| Total interest expense | $3,878,000 | 1,003 |
| Net interest income | $8,016,000 | 1,233 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,143,000 | 1,996 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $27,000 | 7,303 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,116,000 | 1,224 |
| Total noninterest expense | $7,020,000 | 1,151 |
| Salaries and employee benefits | $3,205,000 | 1,365 |
| Premises and equipment expense | $920,000 | 1,254 |
| Additional noninterest expense | $2,895,000 | 858 |
| Pre-tax net operating income | $2,139,000 | 1,927 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $770,000 | 1,569 |
| Income before extraordinary items | $1,369,000 | 2,244 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,369,000 | 2,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $651,000 | 582 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,369,000 | 2,182 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,545,000 | 1,251 |
| Total interest expense | $1,900,000 | 1,043 |
| Net interest income | $3,645,000 | 1,363 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $514,000 | 2,116 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $13,000 | 7,319 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $501,000 | 1,292 |
| Total noninterest expense | $3,279,000 | 1,242 |
| Salaries and employee benefits | $1,765,000 | 1,253 |
| Premises and equipment expense | $469,000 | 1,236 |
| Additional noninterest expense | $1,045,000 | 1,150 |
| Pre-tax net operating income | $880,000 | 2,249 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $316,000 | 1,849 |
| Income before extraordinary items | $564,000 | 2,658 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $564,000 | 2,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-883,000 | 9,109 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $564,000 | 2,564 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,629,000 | 912 |
| Total interest expense | $10,866,000 | 819 |
| Net interest income | $19,763,000 | 975 |
| Provision for loan and lease losses | $-1,200,000 | 9,153 |
| Total noninterest income | $649,000 | 4,751 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $66,000 | 7,169 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $583,000 | 3,313 |
| Total noninterest expense | $15,629,000 | 1,043 |
| Salaries and employee benefits | $5,484,000 | 1,571 |
| Premises and equipment expense | $1,777,000 | 1,280 |
| Additional noninterest expense | $8,368,000 | 648 |
| Pre-tax net operating income | $5,983,000 | 1,379 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-1,140,000 | 9,141 |
| Income before extraordinary items | $7,123,000 | 912 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,123,000 | 914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,422,000 | 705 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,123,000 | 854 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $24,066,000 | 895 |
| Total interest expense | $8,709,000 | 797 |
| Net interest income | $15,357,000 | 951 |
| Provision for loan and lease losses | $-1,200,000 | 9,213 |
| Total noninterest income | $-13,000 | 9,221 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $51,000 | 7,191 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-64,000 | 9,225 |
| Total noninterest expense | $10,756,000 | 1,137 |
| Salaries and employee benefits | $4,129,000 | 1,575 |
| Premises and equipment expense | $1,304,000 | 1,312 |
| Additional noninterest expense | $5,323,000 | 736 |
| Pre-tax net operating income | $5,788,000 | 1,119 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-1,047,000 | 9,205 |
| Income before extraordinary items | $6,835,000 | 752 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,835,000 | 753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,835,000 | 698 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,441,000 | 891 |
| Total interest expense | $6,363,000 | 747 |
| Net interest income | $10,078,000 | 962 |
| Provision for loan and lease losses | $-1,200,000 | 9,255 |
| Total noninterest income | $57,000 | 8,206 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $35,000 | 7,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $22,000 | 7,723 |
| Total noninterest expense | $7,724,000 | 1,051 |
| Salaries and employee benefits | $2,985,000 | 1,445 |
| Premises and equipment expense | $851,000 | 1,344 |
| Additional noninterest expense | $3,888,000 | 692 |
| Pre-tax net operating income | $3,611,000 | 1,186 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-1,900,000 | 9,254 |
| Income before extraordinary items | $5,511,000 | 634 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,511,000 | 634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,615,000 | 387 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,511,000 | 584 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,402,000 | 878 |
| Total interest expense | $3,586,000 | 680 |
| Net interest income | $4,816,000 | 1,005 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $35,000 | 7,955 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $17,000 | 7,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,000 | 7,075 |
| Total noninterest expense | $2,743,000 | 1,450 |
| Salaries and employee benefits | $1,381,000 | 1,547 |
| Premises and equipment expense | $411,000 | 1,413 |
| Additional noninterest expense | $951,000 | 1,285 |
| Pre-tax net operating income | $2,108,000 | 1,034 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-2,507,000 | 9,306 |
| Income before extraordinary items | $4,615,000 | 415 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,615,000 | 415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 9,067 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,615,000 | 381 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $42,938,000 | 710 |
| Total interest expense | $19,290,000 | 595 |
| Net interest income | $23,648,000 | 807 |
| Provision for loan and lease losses | $17,545,000 | 177 |
| Total noninterest income | $414,000 | 5,692 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $83,000 | 6,881 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $331,000 | 4,052 |
| Total noninterest expense | $11,952,000 | 1,286 |
| Salaries and employee benefits | $6,602,000 | 1,220 |
| Premises and equipment expense | $1,615,000 | 1,365 |
| Additional noninterest expense | $3,735,000 | 1,291 |
| Pre-tax net operating income | $-5,435,000 | 9,315 |
| Securities gains (losses) | $973,000 | 434 |
| Applicable income taxes | $18,000 | 7,092 |
| Income before extraordinary items | $-4,480,000 | 9,321 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-4,480,000 | 9,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,381,000 | 167 |
| Cash dividends | $6,492,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-5,453,000 | 9,309 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,959,000 | 1,182 |
| Total interest expense | $14,285,000 | 1,121 |
| Net interest income | $14,674,000 | 1,209 |
| Provision for loan and lease losses | $5,168,000 | 351 |
| Total noninterest income | $98,000 | 8,544 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $78,000 | 7,020 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $20,000 | 8,732 |
| Total noninterest expense | $5,261,000 | 2,691 |
| Salaries and employee benefits | $2,974,000 | 2,528 |
| Premises and equipment expense | $791,000 | 2,663 |
| Additional noninterest expense | $1,496,000 | 2,879 |
| Pre-tax net operating income | $4,343,000 | 1,639 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $4,343,000 | 1,248 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,343,000 | 1,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 2,383 |
| Cash dividends | $777,000 | 2,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,343,000 | 1,199 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,463,000 | 6,120 |
| Total interest expense | $2,252,000 | 5,906 |
| Net interest income | $2,211,000 | 6,249 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $118,000 | 8,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 6,628 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 8,923 |
| Total noninterest expense | $2,053,000 | 5,581 |
| Salaries and employee benefits | $1,049,000 | 5,740 |
| Premises and equipment expense | $410,000 | 4,430 |
| Additional noninterest expense | $594,000 | 5,830 |
| Pre-tax net operating income | $276,000 | 7,998 |
| Securities gains (losses) | $10,000 | 1,158 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $286,000 | 7,553 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $286,000 | 7,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,198 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $276,000 | 7,628 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 6,283 |
| Total interest expense | $2,089,000 | 5,843 |
| Net interest income | $2,003,000 | 6,641 |
| Provision for loan and lease losses | $879,000 | 1,090 |
| Total noninterest income | $120,000 | 8,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 6,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,524 |
| Total noninterest expense | $1,684,000 | 6,335 |
| Salaries and employee benefits | $718,000 | 7,140 |
| Premises and equipment expense | $378,000 | 4,709 |
| Additional noninterest expense | $588,000 | 5,908 |
| Pre-tax net operating income | $-440,000 | 9,813 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-440,000 | 9,870 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-440,000 | 9,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $700,000 | 931 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-440,000 | 9,849 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,328,000 | 8,277 |
| Total interest expense | $1,340,000 | 7,564 |
| Net interest income | $988,000 | 8,817 |
| Provision for loan and lease losses | $255,000 | 2,948 |
| Total noninterest income | $80,000 | 9,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 7,483 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,056 |
| Total noninterest expense | $1,412,000 | 6,931 |
| Salaries and employee benefits | $591,000 | 7,806 |
| Premises and equipment expense | $314,000 | 5,245 |
| Additional noninterest expense | $507,000 | 6,377 |
| Pre-tax net operating income | $-599,000 | 10,231 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-598,000 | 10,273 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-598,000 | 10,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 752 |
| Net operating income | $-599,000 | 10,245 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $177,000 | 10,849 |
| Total interest expense | $98,000 | 10,779 |
| Net interest income | $79,000 | 10,867 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $1,000 | 10,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,861 |
| Total noninterest expense | $377,000 | 10,537 |
| Salaries and employee benefits | $137,000 | 10,741 |
| Premises and equipment expense | $61,000 | 9,927 |
| Additional noninterest expense | $179,000 | 9,685 |
| Pre-tax net operating income | $-333,000 | 10,658 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-333,000 | 10,694 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-333,000 | 10,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 200 |
| Net operating income | $-333,000 | 10,674 |
* 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.