Home > California Community Bank > Income and Expense
California Community Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,631,000 | 2,581 |
| Total interest expense | $1,062,000 | 2,933 |
| Net interest income | $6,569,000 | 2,487 |
| Provision for loan and lease losses | $1,910,000 | 885 |
| Total noninterest income | $283,000 | 4,967 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $176,000 | 4,029 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $107,000 | 5,043 |
| Total noninterest expense | $4,822,000 | 2,881 |
| Salaries and employee benefits | $2,756,000 | 2,673 |
| Premises and equipment expense | $848,000 | 2,073 |
| Additional noninterest expense | $1,218,000 | 3,614 |
| Pre-tax net operating income | $120,000 | 5,944 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $162,000 | 3,013 |
| Income before extraordinary items | $-42,000 | 6,473 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-42,000 | 6,471 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-42,000 | 6,471 |
| Net charge-offs | $360,000 | 2,598 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 809 |
| Net operating income | $-42,000 | 6,362 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,078,000 | 2,593 |
| Total interest expense | $733,000 | 2,948 |
| Net interest income | $4,345,000 | 2,504 |
| Provision for loan and lease losses | $330,000 | 2,288 |
| Total noninterest income | $194,000 | 4,916 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $122,000 | 3,923 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $72,000 | 5,067 |
| Total noninterest expense | $3,358,000 | 2,778 |
| Salaries and employee benefits | $1,911,000 | 2,578 |
| Premises and equipment expense | $566,000 | 2,062 |
| Additional noninterest expense | $881,000 | 3,432 |
| Pre-tax net operating income | $851,000 | 3,165 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $450,000 | 1,592 |
| Income before extraordinary items | $401,000 | 4,357 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $401,000 | 4,360 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $401,000 | 4,359 |
| Net charge-offs | $332,000 | 2,209 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 789 |
| Net operating income | $401,000 | 4,173 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,521,000 | 2,633 |
| Total interest expense | $387,000 | 2,929 |
| Net interest income | $2,134,000 | 2,562 |
| Provision for loan and lease losses | $157,000 | 2,259 |
| Total noninterest income | $103,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $66,000 | 3,777 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $37,000 | 5,121 |
| Total noninterest expense | $1,793,000 | 2,609 |
| Salaries and employee benefits | $989,000 | 2,500 |
| Premises and equipment expense | $280,000 | 2,088 |
| Additional noninterest expense | $524,000 | 2,982 |
| Pre-tax net operating income | $287,000 | 3,918 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $200,000 | 1,728 |
| Income before extraordinary items | $87,000 | 5,535 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $87,000 | 5,535 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $87,000 | 5,535 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 713 |
| Net operating income | $87,000 | 5,375 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,723,000 | 2,819 |
| Total interest expense | $1,702,000 | 3,127 |
| Net interest income | $8,021,000 | 2,725 |
| Provision for loan and lease losses | $485,000 | 3,493 |
| Total noninterest income | $432,000 | 4,635 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $287,000 | 3,676 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $145,000 | 4,883 |
| Total noninterest expense | $6,430,000 | 2,888 |
| Salaries and employee benefits | $3,532,000 | 2,728 |
| Premises and equipment expense | $1,178,000 | 2,099 |
| Additional noninterest expense | $1,720,000 | 3,532 |
| Pre-tax net operating income | $1,538,000 | 2,984 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $674,000 | 1,721 |
| Income before extraordinary items | $864,000 | 3,823 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $864,000 | 3,827 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $864,000 | 3,826 |
| Net charge-offs | $127,000 | 4,759 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 798 |
| Net operating income | $864,000 | 3,699 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,263,000 | 2,869 |
| Total interest expense | $1,281,000 | 3,232 |
| Net interest income | $5,982,000 | 2,745 |
| Provision for loan and lease losses | $145,000 | 4,539 |
| Total noninterest income | $320,000 | 4,708 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $224,000 | 3,617 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $96,000 | 5,141 |
| Total noninterest expense | $4,947,000 | 2,802 |
| Salaries and employee benefits | $2,763,000 | 2,607 |
| Premises and equipment expense | $890,000 | 2,098 |
| Additional noninterest expense | $1,294,000 | 3,505 |
| Pre-tax net operating income | $1,210,000 | 2,985 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $522,000 | 1,698 |
| Income before extraordinary items | $688,000 | 3,783 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $688,000 | 3,784 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $688,000 | 3,784 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 738 |
| Net operating income | $688,000 | 3,676 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,816,000 | 2,900 |
| Total interest expense | $854,000 | 3,337 |
| Net interest income | $3,962,000 | 2,759 |
| Provision for loan and lease losses | $65,000 | 4,826 |
| Total noninterest income | $204,000 | 4,846 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $142,000 | 3,693 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $62,000 | 5,221 |
| Total noninterest expense | $3,425,000 | 2,734 |
| Salaries and employee benefits | $1,919,000 | 2,509 |
| Premises and equipment expense | $597,000 | 2,118 |
| Additional noninterest expense | $909,000 | 3,432 |
| Pre-tax net operating income | $676,000 | 3,241 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $295,000 | 1,819 |
| Income before extraordinary items | $381,000 | 4,069 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $381,000 | 4,069 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $381,000 | 4,071 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 612 |
| Net operating income | $381,000 | 3,972 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,467,000 | 2,859 |
| Total interest expense | $427,000 | 3,450 |
| Net interest income | $2,040,000 | 2,682 |
| Provision for loan and lease losses | $30,000 | 4,582 |
| Total noninterest income | $96,000 | 4,984 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $67,000 | 3,771 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $29,000 | 5,437 |
| Total noninterest expense | $1,805,000 | 2,629 |
| Salaries and employee benefits | $1,046,000 | 2,345 |
| Premises and equipment expense | $308,000 | 2,077 |
| Additional noninterest expense | $451,000 | 3,444 |
| Pre-tax net operating income | $301,000 | 3,523 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $132,000 | 1,898 |
| Income before extraordinary items | $169,000 | 4,256 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $169,000 | 4,255 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $169,000 | 4,256 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 548 |
| Net operating income | $169,000 | 4,200 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,170,000 | 2,916 |
| Total interest expense | $2,082,000 | 3,450 |
| Net interest income | $8,088,000 | 2,701 |
| Provision for loan and lease losses | $227,000 | 5,206 |
| Total noninterest income | $358,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $251,000 | 4,006 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $107,000 | 5,372 |
| Total noninterest expense | $6,549,000 | 2,887 |
| Salaries and employee benefits | $3,476,000 | 2,751 |
| Premises and equipment expense | $1,203,000 | 2,103 |
| Additional noninterest expense | $1,870,000 | 3,440 |
| Pre-tax net operating income | $1,670,000 | 2,562 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $1,670,000 | 2,331 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,670,000 | 2,329 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,670,000 | 2,332 |
| Net charge-offs | $83,000 | 5,567 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 858 |
| Net operating income | $1,670,000 | 2,235 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,628,000 | 2,978 |
| Total interest expense | $1,640,000 | 3,465 |
| Net interest income | $5,988,000 | 2,763 |
| Provision for loan and lease losses | $207,000 | 4,847 |
| Total noninterest income | $264,000 | 5,249 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $183,000 | 4,118 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $81,000 | 5,477 |
| Total noninterest expense | $4,919,000 | 2,882 |
| Salaries and employee benefits | $2,664,000 | 2,701 |
| Premises and equipment expense | $907,000 | 2,110 |
| Additional noninterest expense | $1,348,000 | 3,515 |
| Pre-tax net operating income | $1,126,000 | 2,893 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $1,126,000 | 2,675 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,126,000 | 2,673 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,126,000 | 2,677 |
| Net charge-offs | $83,000 | 5,089 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 733 |
| Net operating income | $1,126,000 | 2,553 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 3,010 |
| Total interest expense | $1,167,000 | 3,381 |
| Net interest income | $3,909,000 | 2,806 |
| Provision for loan and lease losses | $157,000 | 4,545 |
| Total noninterest income | $166,000 | 5,327 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $115,000 | 4,223 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $51,000 | 5,562 |
| Total noninterest expense | $3,320,000 | 2,854 |
| Salaries and employee benefits | $1,828,000 | 2,642 |
| Premises and equipment expense | $610,000 | 2,119 |
| Additional noninterest expense | $882,000 | 3,544 |
| Pre-tax net operating income | $598,000 | 3,305 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $598,000 | 3,070 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $598,000 | 3,065 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $598,000 | 3,068 |
| Net charge-offs | $83,000 | 4,440 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 672 |
| Net operating income | $598,000 | 2,963 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,547,000 | 3,061 |
| Total interest expense | $662,000 | 3,185 |
| Net interest income | $1,885,000 | 2,946 |
| Provision for loan and lease losses | $32,000 | 5,274 |
| Total noninterest income | $79,000 | 5,443 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $54,000 | 4,328 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $25,000 | 5,673 |
| Total noninterest expense | $1,672,000 | 2,868 |
| Salaries and employee benefits | $964,000 | 2,553 |
| Premises and equipment expense | $306,000 | 2,167 |
| Additional noninterest expense | $402,000 | 3,787 |
| Pre-tax net operating income | $260,000 | 3,625 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $260,000 | 3,406 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $260,000 | 3,404 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $260,000 | 3,406 |
| Net charge-offs | $83,000 | 3,275 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 610 |
| Net operating income | $260,000 | 3,289 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,072,000 | 3,217 |
| Total interest expense | $3,396,000 | 3,115 |
| Net interest income | $6,676,000 | 3,168 |
| Provision for loan and lease losses | $1,204,000 | 3,203 |
| Total noninterest income | $366,000 | 5,288 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $276,000 | 4,045 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $90,000 | 5,778 |
| Total noninterest expense | $6,389,000 | 3,022 |
| Salaries and employee benefits | $3,408,000 | 2,849 |
| Premises and equipment expense | $1,283,000 | 2,088 |
| Additional noninterest expense | $1,698,000 | 3,747 |
| Pre-tax net operating income | $-551,000 | 6,020 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $1,000 | 4,275 |
| Income before extraordinary items | $-552,000 | 6,109 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-552,000 | 6,109 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-552,000 | 6,109 |
| Net charge-offs | $0 | 7,246 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 792 |
| Net operating income | $-552,000 | 6,115 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,386,000 | 3,323 |
| Total interest expense | $2,592,000 | 3,210 |
| Net interest income | $4,794,000 | 3,284 |
| Provision for loan and lease losses | $487,000 | 3,838 |
| Total noninterest income | $279,000 | 5,330 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $211,000 | 4,027 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $68,000 | 5,894 |
| Total noninterest expense | $4,902,000 | 2,966 |
| Salaries and employee benefits | $2,655,000 | 2,776 |
| Premises and equipment expense | $961,000 | 2,107 |
| Additional noninterest expense | $1,286,000 | 3,690 |
| Pre-tax net operating income | $-316,000 | 6,154 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $1,000 | 4,465 |
| Income before extraordinary items | $-317,000 | 6,261 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-317,000 | 6,262 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-317,000 | 6,261 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $119,000 | 698 |
| Net operating income | $-317,000 | 6,245 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,816,000 | 3,398 |
| Total interest expense | $1,763,000 | 3,286 |
| Net interest income | $3,053,000 | 3,410 |
| Provision for loan and lease losses | $305,000 | 3,656 |
| Total noninterest income | $183,000 | 5,370 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $140,000 | 4,011 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $43,000 | 6,017 |
| Total noninterest expense | $3,268,000 | 2,994 |
| Salaries and employee benefits | $1,778,000 | 2,804 |
| Premises and equipment expense | $637,000 | 2,137 |
| Additional noninterest expense | $853,000 | 3,702 |
| Pre-tax net operating income | $-337,000 | 6,473 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $1,000 | 4,523 |
| Income before extraordinary items | $-338,000 | 6,584 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-338,000 | 6,584 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-338,000 | 6,584 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 629 |
| Net operating income | $-338,000 | 6,570 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,367,000 | 3,479 |
| Total interest expense | $928,000 | 3,260 |
| Net interest income | $1,439,000 | 3,577 |
| Provision for loan and lease losses | $145,000 | 3,383 |
| Total noninterest income | $86,000 | 5,461 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $65,000 | 4,118 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $21,000 | 6,118 |
| Total noninterest expense | $1,629,000 | 2,916 |
| Salaries and employee benefits | $924,000 | 2,737 |
| Premises and equipment expense | $323,000 | 2,159 |
| Additional noninterest expense | $382,000 | 3,717 |
| Pre-tax net operating income | $-249,000 | 6,971 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $1,000 | 4,679 |
| Income before extraordinary items | $-250,000 | 7,114 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-250,000 | 7,114 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-250,000 | 7,115 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 526 |
| Net operating income | $-250,000 | 7,048 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,589,000 | 3,649 |
| Total interest expense | $3,818,000 | 3,630 |
| Net interest income | $5,771,000 | 3,576 |
| Provision for loan and lease losses | $288,000 | 4,697 |
| Total noninterest income | $299,000 | 5,823 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $226,000 | 4,559 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $73,000 | 6,329 |
| Total noninterest expense | $5,846,000 | 3,157 |
| Salaries and employee benefits | $3,207,000 | 3,071 |
| Premises and equipment expense | $1,221,000 | 2,207 |
| Additional noninterest expense | $1,418,000 | 3,775 |
| Pre-tax net operating income | $-64,000 | 6,416 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,000 | 4,863 |
| Income before extraordinary items | $-65,000 | 6,318 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-65,000 | 6,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,572 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $171,000 | 813 |
| Net operating income | $-65,000 | 6,464 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,065,000 | 3,743 |
| Total interest expense | $2,803,000 | 3,792 |
| Net interest income | $4,262,000 | 3,645 |
| Provision for loan and lease losses | $284,000 | 3,652 |
| Total noninterest income | $201,000 | 6,102 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $148,000 | 4,849 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $53,000 | 6,516 |
| Total noninterest expense | $4,355,000 | 3,150 |
| Salaries and employee benefits | $2,448,000 | 3,052 |
| Premises and equipment expense | $898,000 | 2,264 |
| Additional noninterest expense | $1,009,000 | 3,840 |
| Pre-tax net operating income | $-176,000 | 7,001 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,000 | 5,240 |
| Income before extraordinary items | $-177,000 | 6,875 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-177,000 | 6,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,856 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 711 |
| Net operating income | $-177,000 | 7,049 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,642,000 | 3,839 |
| Total interest expense | $1,908,000 | 3,860 |
| Net interest income | $2,734,000 | 3,743 |
| Provision for loan and lease losses | $159,000 | 3,527 |
| Total noninterest income | $121,000 | 6,355 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $89,000 | 5,053 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $32,000 | 6,701 |
| Total noninterest expense | $2,821,000 | 3,251 |
| Salaries and employee benefits | $1,584,000 | 3,172 |
| Premises and equipment expense | $574,000 | 2,357 |
| Additional noninterest expense | $663,000 | 3,865 |
| Pre-tax net operating income | $-125,000 | 7,239 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,000 | 5,487 |
| Income before extraordinary items | $-126,000 | 7,290 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-126,000 | 7,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 629 |
| Net operating income | $-126,000 | 7,271 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 3,868 |
| Total interest expense | $1,052,000 | 3,780 |
| Net interest income | $1,304,000 | 3,859 |
| Provision for loan and lease losses | $65,000 | 3,393 |
| Total noninterest income | $59,000 | 6,392 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $44,000 | 5,057 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $15,000 | 6,825 |
| Total noninterest expense | $1,285,000 | 3,506 |
| Salaries and employee benefits | $727,000 | 3,448 |
| Premises and equipment expense | $268,000 | 2,517 |
| Additional noninterest expense | $290,000 | 4,222 |
| Pre-tax net operating income | $13,000 | 7,035 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $13,000 | 7,105 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $13,000 | 7,106 |
| 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 | $41,000 | 514 |
| Net operating income | $13,000 | 7,022 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,435,000 | 3,925 |
| Total interest expense | $4,054,000 | 3,983 |
| Net interest income | $5,381,000 | 3,791 |
| Provision for loan and lease losses | $291,000 | 3,261 |
| Total noninterest income | $189,000 | 6,819 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $125,000 | 5,700 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $64,000 | 6,820 |
| Total noninterest expense | $4,988,000 | 3,441 |
| Salaries and employee benefits | $2,738,000 | 3,471 |
| Premises and equipment expense | $1,094,000 | 2,374 |
| Additional noninterest expense | $1,156,000 | 4,183 |
| Pre-tax net operating income | $291,000 | 6,625 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-44,000 | 7,923 |
| Income before extraordinary items | $335,000 | 6,299 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $335,000 | 6,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $297,000 | 650 |
| Net operating income | $335,000 | 6,283 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,958,000 | 3,978 |
| Total interest expense | $2,935,000 | 4,076 |
| Net interest income | $4,023,000 | 3,812 |
| Provision for loan and lease losses | $200,000 | 2,996 |
| Total noninterest income | $133,000 | 6,939 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $84,000 | 5,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $49,000 | 6,818 |
| Total noninterest expense | $3,770,000 | 3,409 |
| Salaries and employee benefits | $2,130,000 | 3,355 |
| Premises and equipment expense | $773,000 | 2,489 |
| Additional noninterest expense | $867,000 | 4,127 |
| Pre-tax net operating income | $186,000 | 7,021 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-44,000 | 8,142 |
| Income before extraordinary items | $230,000 | 6,656 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $230,000 | 6,653 |
| 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 | $257,000 | 539 |
| Net operating income | $230,000 | 6,641 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,513,000 | 4,067 |
| Total interest expense | $1,902,000 | 4,152 |
| Net interest income | $2,611,000 | 3,898 |
| Provision for loan and lease losses | $101,000 | 3,258 |
| Total noninterest income | $85,000 | 7,045 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $55,000 | 5,947 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $30,000 | 6,985 |
| Total noninterest expense | $2,422,000 | 3,530 |
| Salaries and employee benefits | $1,394,000 | 3,431 |
| Premises and equipment expense | $449,000 | 2,821 |
| Additional noninterest expense | $579,000 | 4,127 |
| Pre-tax net operating income | $173,000 | 6,797 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-44,000 | 8,273 |
| Income before extraordinary items | $217,000 | 6,245 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $217,000 | 6,244 |
| 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 | $203,000 | 441 |
| Net operating income | $217,000 | 6,232 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,231,000 | 4,092 |
| Total interest expense | $947,000 | 4,144 |
| Net interest income | $1,284,000 | 3,946 |
| Provision for loan and lease losses | $54,000 | 3,005 |
| Total noninterest income | $42,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $26,000 | 6,005 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $16,000 | 6,921 |
| Total noninterest expense | $1,191,000 | 3,591 |
| Salaries and employee benefits | $708,000 | 3,427 |
| Premises and equipment expense | $225,000 | 2,835 |
| Additional noninterest expense | $258,000 | 4,436 |
| Pre-tax net operating income | $81,000 | 6,909 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-29,000 | 8,348 |
| Income before extraordinary items | $110,000 | 6,239 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $110,000 | 6,238 |
| 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 | $41,000 | 533 |
| Net operating income | $110,000 | 6,222 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,997,000 | 4,205 |
| Total interest expense | $3,089,000 | 4,239 |
| Net interest income | $4,908,000 | 4,059 |
| Provision for loan and lease losses | $255,000 | 3,055 |
| Total noninterest income | $114,000 | 7,607 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $69,000 | 6,601 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $45,000 | 7,356 |
| Total noninterest expense | $4,066,000 | 3,950 |
| Salaries and employee benefits | $2,249,000 | 3,913 |
| Premises and equipment expense | $831,000 | 2,906 |
| Additional noninterest expense | $986,000 | 4,557 |
| Pre-tax net operating income | $701,000 | 5,918 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-299,000 | 8,514 |
| Income before extraordinary items | $1,000,000 | 4,724 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,000,000 | 4,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 760 |
| Net operating income | $1,000,000 | 4,714 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,696,000 | 4,320 |
| Total interest expense | $2,046,000 | 4,484 |
| Net interest income | $3,650,000 | 4,108 |
| Provision for loan and lease losses | $240,000 | 2,508 |
| Total noninterest income | $84,000 | 7,704 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $49,000 | 6,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,365 |
| Total noninterest expense | $2,925,000 | 4,049 |
| Salaries and employee benefits | $1,694,000 | 3,889 |
| Premises and equipment expense | $573,000 | 3,116 |
| Additional noninterest expense | $658,000 | 4,920 |
| Pre-tax net operating income | $569,000 | 5,972 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $568,000 | 5,489 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $568,000 | 5,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $162,000 | 632 |
| Net operating income | $568,000 | 5,491 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,592,000 | 4,432 |
| Total interest expense | $1,240,000 | 4,620 |
| Net interest income | $2,352,000 | 4,226 |
| Provision for loan and lease losses | $190,000 | 2,197 |
| Total noninterest income | $53,000 | 7,801 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $31,000 | 6,823 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,458 |
| Total noninterest expense | $1,892,000 | 4,149 |
| Salaries and employee benefits | $1,127,000 | 3,929 |
| Premises and equipment expense | $330,000 | 3,496 |
| Additional noninterest expense | $435,000 | 4,936 |
| Pre-tax net operating income | $323,000 | 6,313 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $322,000 | 5,869 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $322,000 | 5,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $114,000 | 519 |
| Net operating income | $322,000 | 5,866 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 4,593 |
| Total interest expense | $536,000 | 4,922 |
| Net interest income | $1,138,000 | 4,318 |
| Provision for loan and lease losses | $131,000 | 1,632 |
| Total noninterest income | $26,000 | 7,808 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,462 |
| Total noninterest expense | $918,000 | 4,256 |
| Salaries and employee benefits | $552,000 | 3,991 |
| Premises and equipment expense | $161,000 | 3,575 |
| Additional noninterest expense | $205,000 | 5,106 |
| Pre-tax net operating income | $115,000 | 6,881 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $115,000 | 6,488 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $115,000 | 6,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 388 |
| Net operating income | $115,000 | 6,490 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,514,000 | 5,479 |
| Total interest expense | $1,261,000 | 5,704 |
| Net interest income | $3,253,000 | 5,243 |
| Provision for loan and lease losses | $409,000 | 2,243 |
| Total noninterest income | $85,000 | 8,087 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $45,000 | 7,154 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $40,000 | 7,623 |
| Total noninterest expense | $2,986,000 | 4,785 |
| Salaries and employee benefits | $1,676,000 | 4,710 |
| Premises and equipment expense | $562,000 | 3,853 |
| Additional noninterest expense | $748,000 | 5,388 |
| Pre-tax net operating income | $-57,000 | 8,308 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $-58,000 | 8,341 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-58,000 | 8,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $12,647,000 | 145 |
| Net operating income | $-58,000 | 8,314 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,998,000 | 5,799 |
| Total interest expense | $875,000 | 5,786 |
| Net interest income | $2,123,000 | 5,699 |
| Provision for loan and lease losses | $220,000 | 2,803 |
| Total noninterest income | $60,000 | 8,185 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 7,268 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,649 |
| Total noninterest expense | $2,182,000 | 4,842 |
| Salaries and employee benefits | $1,232,000 | 4,744 |
| Premises and equipment expense | $401,000 | 3,964 |
| Additional noninterest expense | $549,000 | 5,417 |
| Pre-tax net operating income | $-219,000 | 8,500 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $-220,000 | 8,529 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-220,000 | 8,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 573 |
| Net operating income | $-220,000 | 8,499 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,699,000 | 6,208 |
| Total interest expense | $469,000 | 6,198 |
| Net interest income | $1,230,000 | 6,103 |
| Provision for loan and lease losses | $175,000 | 2,402 |
| Total noninterest income | $40,000 | 8,185 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $18,000 | 7,341 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $22,000 | 7,544 |
| Total noninterest expense | $1,423,000 | 4,909 |
| Salaries and employee benefits | $790,000 | 4,852 |
| Premises and equipment expense | $259,000 | 4,035 |
| Additional noninterest expense | $374,000 | 5,318 |
| Pre-tax net operating income | $-328,000 | 8,611 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 6,848 |
| Income before extraordinary items | $-329,000 | 8,646 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-329,000 | 8,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 438 |
| Net operating income | $-329,000 | 8,621 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $722,000 | 6,669 |
| Total interest expense | $196,000 | 6,592 |
| Net interest income | $526,000 | 6,582 |
| Provision for loan and lease losses | $53,000 | 3,110 |
| Total noninterest income | $21,000 | 8,155 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $8,000 | 7,454 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,447 |
| Total noninterest expense | $673,000 | 5,136 |
| Salaries and employee benefits | $359,000 | 5,198 |
| Premises and equipment expense | $129,000 | 4,103 |
| Additional noninterest expense | $185,000 | 5,357 |
| Pre-tax net operating income | $-179,000 | 8,709 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-179,000 | 8,735 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-179,000 | 8,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-179,000 | 8,717 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,496,000 | 7,903 |
| Total interest expense | $328,000 | 7,960 |
| Net interest income | $1,168,000 | 7,789 |
| Provision for loan and lease losses | $275,000 | 3,079 |
| Total noninterest income | $41,000 | 8,641 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $18,000 | 7,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $23,000 | 8,128 |
| Total noninterest expense | $2,532,000 | 5,258 |
| Salaries and employee benefits | $1,564,000 | 4,796 |
| Premises and equipment expense | $354,000 | 5,169 |
| Additional noninterest expense | $614,000 | 5,903 |
| Pre-tax net operating income | $-1,598,000 | 8,877 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,000 | 7,085 |
| Income before extraordinary items | $-1,599,000 | 8,899 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,599,000 | 8,900 |
| 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 | $0 | 872 |
| Net operating income | $-1,599,000 | 8,880 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $943,000 | 8,186 |
| Total interest expense | $190,000 | 8,312 |
| Net interest income | $753,000 | 8,046 |
| Provision for loan and lease losses | $233,000 | 2,710 |
| Total noninterest income | $29,000 | 8,709 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $12,000 | 7,761 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 8,169 |
| Total noninterest expense | $1,716,000 | 5,555 |
| Salaries and employee benefits | $1,024,000 | 5,239 |
| Premises and equipment expense | $248,000 | 5,369 |
| Additional noninterest expense | $444,000 | 5,979 |
| Pre-tax net operating income | $-1,167,000 | 8,923 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,000 | 7,130 |
| Income before extraordinary items | $-1,168,000 | 8,942 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,168,000 | 8,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-1,168,000 | 8,927 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $515,000 | 8,466 |
| Total interest expense | $96,000 | 8,603 |
| Net interest income | $419,000 | 8,335 |
| Provision for loan and lease losses | $162,000 | 2,581 |
| Total noninterest income | $16,000 | 8,821 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $6,000 | 7,847 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,000 | 8,299 |
| Total noninterest expense | $1,123,000 | 5,648 |
| Salaries and employee benefits | $681,000 | 5,277 |
| Premises and equipment expense | $162,000 | 5,446 |
| Additional noninterest expense | $280,000 | 6,184 |
| Pre-tax net operating income | $-850,000 | 8,981 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,000 | 7,109 |
| Income before extraordinary items | $-851,000 | 8,998 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-851,000 | 8,998 |
| 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 | $-851,000 | 8,978 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $218,000 | 8,661 |
| Total interest expense | $36,000 | 8,796 |
| Net interest income | $182,000 | 8,525 |
| Provision for loan and lease losses | $69,000 | 2,785 |
| Total noninterest income | $7,000 | 8,881 |
| 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 | $4,000 | 8,419 |
| Total noninterest expense | $554,000 | 5,701 |
| Salaries and employee benefits | $342,000 | 5,275 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $134,000 | 6,328 |
| Pre-tax net operating income | $-434,000 | 9,021 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-434,000 | 9,041 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-434,000 | 9,040 |
| 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 | $-434,000 | 9,019 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $142,000 | 9,097 |
| Total interest expense | $20,000 | 9,084 |
| Net interest income | $122,000 | 9,085 |
| Provision for loan and lease losses | $128,000 | 4,835 |
| Total noninterest income | $5,000 | 9,085 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,000 | 8,020 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,000 | 8,956 |
| Total noninterest expense | $1,723,000 | 6,481 |
| Salaries and employee benefits | $856,000 | 6,727 |
| Premises and equipment expense | $179,000 | 7,037 |
| Additional noninterest expense | $688,000 | 5,553 |
| Pre-tax net operating income | $-1,724,000 | 9,059 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-1,724,000 | 9,104 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,724,000 | 9,105 |
| 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 | $12,100,000 | 60 |
| Net operating income | $-1,724,000 | 9,066 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $43,000 | 9,201 |
| Total interest expense | $7,000 | 9,171 |
| Net interest income | $36,000 | 9,195 |
| Provision for loan and lease losses | $15,000 | 6,935 |
| 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 | $1,191,000 | 6,720 |
| Salaries and employee benefits | $553,000 | 7,121 |
| Premises and equipment expense | $97,000 | 7,691 |
| Additional noninterest expense | $541,000 | 5,375 |
| Pre-tax net operating income | $-1,170,000 | 9,101 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-1,170,000 | 9,143 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,170,000 | 9,142 |
| 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 | $12,100,000 | 42 |
| Net operating income | $-1,170,000 | 9,101 |
* 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.