Home > CapStone Bank > Income and Expense
CapStone Bank, Income and Expense
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $4,053,000 | 1,534 |
| Total interest expense | $413,000 | 1,811 |
| Net interest income | $3,640,000 | 1,502 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $230,000 | 3,209 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $37,000 | 4,453 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $193,000 | 2,608 |
| Total noninterest expense | $3,225,000 | 1,492 |
| Salaries and employee benefits | $1,711,000 | 1,535 |
| Premises and equipment expense | $155,000 | 3,267 |
| Additional noninterest expense | $1,359,000 | 1,174 |
| Pre-tax net operating income | $645,000 | 2,455 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $453,000 | 1,000 |
| Income before extraordinary items | $192,000 | 4,323 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $192,000 | 4,324 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $192,000 | 4,325 |
| Net charge-offs | $-7,000 | 5,595 |
| Cash dividends | $359,000 | 1,303 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 457 |
| Net operating income | $192,000 | 4,266 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $16,158,000 | 1,546 |
| Total interest expense | $1,504,000 | 2,156 |
| Net interest income | $14,654,000 | 1,480 |
| Provision for loan and lease losses | $250,000 | 2,679 |
| Total noninterest income | $5,507,000 | 1,054 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $157,000 | 4,512 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $5,350,000 | 765 |
| Total noninterest expense | $8,942,000 | 2,120 |
| Salaries and employee benefits | $5,265,000 | 1,930 |
| Premises and equipment expense | $649,000 | 3,125 |
| Additional noninterest expense | $3,028,000 | 2,064 |
| Pre-tax net operating income | $10,969,000 | 718 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $2,213,000 | 839 |
| Income before extraordinary items | $8,756,000 | 732 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,756,000 | 733 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $8,756,000 | 733 |
| Net charge-offs | $616,000 | 1,784 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 695 |
| Net operating income | $8,756,000 | 707 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $11,976,000 | 1,575 |
| Total interest expense | $1,099,000 | 2,262 |
| Net interest income | $10,877,000 | 1,495 |
| Provision for loan and lease losses | $250,000 | 2,282 |
| Total noninterest income | $5,452,000 | 873 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $117,000 | 4,548 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,335,000 | 632 |
| Total noninterest expense | $6,783,000 | 2,093 |
| Salaries and employee benefits | $3,934,000 | 1,951 |
| Premises and equipment expense | $486,000 | 3,160 |
| Additional noninterest expense | $2,363,000 | 1,980 |
| Pre-tax net operating income | $9,296,000 | 649 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $1,502,000 | 933 |
| Income before extraordinary items | $7,794,000 | 632 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $7,794,000 | 634 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $7,794,000 | 634 |
| Net charge-offs | $424,000 | 1,773 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 601 |
| Net operating income | $7,794,000 | 611 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $7,734,000 | 1,622 |
| Total interest expense | $713,000 | 2,356 |
| Net interest income | $7,021,000 | 1,539 |
| Provision for loan and lease losses | $250,000 | 1,852 |
| Total noninterest income | $5,263,000 | 664 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $73,000 | 4,653 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $5,190,000 | 488 |
| Total noninterest expense | $4,702,000 | 2,015 |
| Salaries and employee benefits | $2,607,000 | 1,974 |
| Premises and equipment expense | $340,000 | 3,056 |
| Additional noninterest expense | $1,755,000 | 1,801 |
| Pre-tax net operating income | $7,332,000 | 556 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $890,000 | 1,024 |
| Income before extraordinary items | $6,442,000 | 532 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $6,442,000 | 532 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $6,442,000 | 534 |
| Net charge-offs | $339,000 | 1,568 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 623 |
| Net operating income | $6,442,000 | 513 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,570,000 | 1,766 |
| Total interest expense | $324,000 | 2,620 |
| Net interest income | $3,246,000 | 1,668 |
| Provision for loan and lease losses | $150,000 | 1,610 |
| Total noninterest income | $5,000,000 | 427 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $35,000 | 4,705 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,965,000 | 308 |
| Total noninterest expense | $2,518,000 | 1,908 |
| Salaries and employee benefits | $1,249,000 | 2,072 |
| Premises and equipment expense | $161,000 | 3,225 |
| Additional noninterest expense | $1,108,000 | 1,465 |
| Pre-tax net operating income | $5,578,000 | 399 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $273,000 | 1,424 |
| Income before extraordinary items | $5,305,000 | 331 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $5,305,000 | 332 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $5,305,000 | 332 |
| Net charge-offs | $-28,000 | 6,547 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 578 |
| Net operating income | $5,305,000 | 322 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,267,000 | 2,509 |
| Total interest expense | $1,403,000 | 2,861 |
| Net interest income | $8,864,000 | 2,426 |
| Provision for loan and lease losses | $771,000 | 2,128 |
| Total noninterest income | $15,000 | 6,769 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $77,000 | 5,778 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-62,000 | 6,697 |
| Total noninterest expense | $5,271,000 | 3,335 |
| Salaries and employee benefits | $3,195,000 | 2,990 |
| Premises and equipment expense | $352,000 | 4,593 |
| Additional noninterest expense | $1,724,000 | 3,453 |
| Pre-tax net operating income | $2,837,000 | 2,194 |
| Securities gains (losses) | $140,000 | 2,000 |
| Applicable income taxes | $1,043,000 | 1,436 |
| Income before extraordinary items | $1,934,000 | 2,640 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,934,000 | 2,643 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,934,000 | 2,641 |
| Net charge-offs | $1,245,000 | 1,590 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 846 |
| Net operating income | $1,843,000 | 2,622 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,651,000 | 2,578 |
| Total interest expense | $1,095,000 | 2,873 |
| Net interest income | $6,556,000 | 2,492 |
| Provision for loan and lease losses | $721,000 | 1,828 |
| Total noninterest income | $95,000 | 6,209 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $56,000 | 5,892 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $39,000 | 5,942 |
| Total noninterest expense | $3,778,000 | 3,474 |
| Salaries and employee benefits | $2,365,000 | 3,043 |
| Premises and equipment expense | $259,000 | 4,709 |
| Additional noninterest expense | $1,154,000 | 3,750 |
| Pre-tax net operating income | $2,152,000 | 2,217 |
| Securities gains (losses) | $132,000 | 1,779 |
| Applicable income taxes | $751,000 | 1,505 |
| Income before extraordinary items | $1,533,000 | 2,601 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,533,000 | 2,602 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,533,000 | 2,602 |
| Net charge-offs | $1,006,000 | 1,470 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 802 |
| Net operating income | $1,444,560 | 2,578 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,972,000 | 2,645 |
| Total interest expense | $728,000 | 2,965 |
| Net interest income | $4,244,000 | 2,569 |
| Provision for loan and lease losses | $595,000 | 1,640 |
| Total noninterest income | $47,000 | 6,481 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $37,000 | 5,917 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 6,454 |
| Total noninterest expense | $2,449,000 | 3,559 |
| Salaries and employee benefits | $1,568,000 | 3,070 |
| Premises and equipment expense | $169,000 | 4,780 |
| Additional noninterest expense | $712,000 | 3,943 |
| Pre-tax net operating income | $1,247,000 | 2,452 |
| Securities gains (losses) | $131,000 | 1,414 |
| Applicable income taxes | $443,000 | 1,620 |
| Income before extraordinary items | $935,000 | 2,731 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $935,000 | 2,732 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $935,000 | 2,732 |
| Net charge-offs | $797,000 | 1,330 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 743 |
| Net operating income | $845,920 | 2,783 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,439,000 | 2,713 |
| Total interest expense | $360,000 | 3,084 |
| Net interest income | $2,079,000 | 2,626 |
| Provision for loan and lease losses | $495,000 | 1,073 |
| Total noninterest income | $17,000 | 6,739 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $21,000 | 5,749 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-4,000 | 6,940 |
| Total noninterest expense | $1,203,000 | 3,625 |
| Salaries and employee benefits | $780,000 | 3,086 |
| Premises and equipment expense | $83,000 | 4,844 |
| Additional noninterest expense | $340,000 | 4,053 |
| Pre-tax net operating income | $398,000 | 3,315 |
| Securities gains (losses) | $132,000 | 791 |
| Applicable income taxes | $161,000 | 1,948 |
| Income before extraordinary items | $369,000 | 3,237 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $369,000 | 3,241 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $369,000 | 3,241 |
| Net charge-offs | $471,000 | 1,140 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 634 |
| Net operating income | $276,600 | 3,623 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,716,000 | 2,821 |
| Total interest expense | $1,611,000 | 3,266 |
| Net interest income | $8,105,000 | 2,697 |
| Provision for loan and lease losses | $2,379,000 | 1,390 |
| Total noninterest income | $148,000 | 6,061 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $45,000 | 6,405 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $103,000 | 5,278 |
| Total noninterest expense | $5,115,000 | 3,474 |
| Salaries and employee benefits | $3,340,000 | 2,860 |
| Premises and equipment expense | $396,000 | 4,586 |
| Additional noninterest expense | $1,379,000 | 4,081 |
| Pre-tax net operating income | $759,000 | 4,159 |
| Securities gains (losses) | $121,000 | 1,905 |
| Applicable income taxes | $204,000 | 2,882 |
| Income before extraordinary items | $676,000 | 4,211 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $676,000 | 4,213 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $676,000 | 4,213 |
| Net charge-offs | $1,219,000 | 2,126 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 670 |
| Net operating income | $582,830 | 4,316 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,296,000 | 2,859 |
| Total interest expense | $1,235,000 | 3,327 |
| Net interest income | $6,061,000 | 2,714 |
| Provision for loan and lease losses | $362,000 | 3,353 |
| Total noninterest income | $139,000 | 5,926 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $34,000 | 6,439 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $105,000 | 5,036 |
| Total noninterest expense | $4,201,000 | 3,239 |
| Salaries and employee benefits | $2,896,000 | 2,482 |
| Premises and equipment expense | $307,000 | 4,557 |
| Additional noninterest expense | $998,000 | 4,180 |
| Pre-tax net operating income | $1,637,000 | 2,411 |
| Securities gains (losses) | $3,000 | 3,309 |
| Applicable income taxes | $541,000 | 1,668 |
| Income before extraordinary items | $1,099,000 | 2,872 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,099,000 | 2,875 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,099,000 | 2,875 |
| Net charge-offs | $7,000 | 5,861 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 601 |
| Net operating income | $1,096,990 | 2,780 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,826,000 | 2,895 |
| Total interest expense | $829,000 | 3,421 |
| Net interest income | $3,997,000 | 2,740 |
| Provision for loan and lease losses | $206,000 | 3,488 |
| Total noninterest income | $105,000 | 5,799 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $22,000 | 6,480 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 4,836 |
| Total noninterest expense | $2,452,000 | 3,626 |
| Salaries and employee benefits | $1,564,000 | 3,038 |
| Premises and equipment expense | $208,000 | 4,570 |
| Additional noninterest expense | $680,000 | 4,190 |
| Pre-tax net operating income | $1,444,000 | 1,945 |
| Securities gains (losses) | $3,000 | 2,636 |
| Applicable income taxes | $507,000 | 1,313 |
| Income before extraordinary items | $940,000 | 2,390 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $940,000 | 2,390 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $940,000 | 2,390 |
| Net charge-offs | $7,000 | 5,446 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 501 |
| Net operating income | $938,050 | 2,307 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,429,000 | 2,893 |
| Total interest expense | $426,000 | 3,452 |
| Net interest income | $2,003,000 | 2,727 |
| Provision for loan and lease losses | $149,000 | 2,915 |
| Total noninterest income | $54,000 | 5,845 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $11,000 | 6,455 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $43,000 | 4,887 |
| Total noninterest expense | $1,253,000 | 3,579 |
| Salaries and employee benefits | $744,000 | 3,174 |
| Premises and equipment expense | $103,000 | 4,637 |
| Additional noninterest expense | $406,000 | 3,692 |
| Pre-tax net operating income | $655,000 | 2,076 |
| Securities gains (losses) | $3,000 | 1,535 |
| Applicable income taxes | $230,000 | 1,354 |
| Income before extraordinary items | $428,000 | 2,530 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $428,000 | 2,529 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $428,000 | 2,530 |
| Net charge-offs | $12,000 | 4,307 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 459 |
| Net operating income | $426,050 | 2,484 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,487,000 | 3,087 |
| Total interest expense | $2,127,000 | 3,408 |
| Net interest income | $7,360,000 | 2,946 |
| Provision for loan and lease losses | $1,349,000 | 2,612 |
| Total noninterest income | $-17,000 | 7,313 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $41,000 | 6,372 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-58,000 | 7,133 |
| Total noninterest expense | $4,197,000 | 4,079 |
| Salaries and employee benefits | $2,341,000 | 3,783 |
| Premises and equipment expense | $408,000 | 4,708 |
| Additional noninterest expense | $1,448,000 | 4,100 |
| Pre-tax net operating income | $1,797,000 | 2,431 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $564,000 | 1,766 |
| Income before extraordinary items | $1,233,000 | 2,858 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,233,000 | 2,855 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,233,000 | 2,859 |
| Net charge-offs | $763,000 | 3,057 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 748 |
| Net operating income | $1,233,000 | 2,753 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,039,000 | 3,173 |
| Total interest expense | $1,668,000 | 3,404 |
| Net interest income | $5,371,000 | 3,049 |
| Provision for loan and lease losses | $778,000 | 2,889 |
| Total noninterest income | $142,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $31,000 | 6,442 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $111,000 | 5,071 |
| Total noninterest expense | $3,080,000 | 4,145 |
| Salaries and employee benefits | $1,732,000 | 3,851 |
| Premises and equipment expense | $303,000 | 4,812 |
| Additional noninterest expense | $1,045,000 | 4,191 |
| Pre-tax net operating income | $1,655,000 | 2,204 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $527,000 | 1,621 |
| Income before extraordinary items | $1,128,000 | 2,670 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,128,000 | 2,668 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,128,000 | 2,672 |
| Net charge-offs | $598,000 | 2,831 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 693 |
| Net operating income | $1,128,000 | 2,548 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,661,000 | 3,225 |
| Total interest expense | $1,166,000 | 3,385 |
| Net interest income | $3,495,000 | 3,108 |
| Provision for loan and lease losses | $487,000 | 2,899 |
| Total noninterest income | $110,000 | 5,942 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $25,000 | 6,341 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $85,000 | 4,887 |
| Total noninterest expense | $2,031,000 | 4,190 |
| Salaries and employee benefits | $1,118,000 | 3,964 |
| Premises and equipment expense | $200,000 | 4,874 |
| Additional noninterest expense | $713,000 | 4,098 |
| Pre-tax net operating income | $1,087,000 | 2,219 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $343,000 | 1,601 |
| Income before extraordinary items | $744,000 | 2,647 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $744,000 | 2,642 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $744,000 | 2,646 |
| Net charge-offs | $598,000 | 2,237 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 615 |
| Net operating income | $744,000 | 2,538 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,316,000 | 3,296 |
| Total interest expense | $594,000 | 3,459 |
| Net interest income | $1,722,000 | 3,175 |
| Provision for loan and lease losses | $189,000 | 3,083 |
| Total noninterest income | $56,000 | 5,972 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $17,000 | 6,094 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $39,000 | 5,085 |
| Total noninterest expense | $1,059,000 | 4,116 |
| Salaries and employee benefits | $620,000 | 3,724 |
| Premises and equipment expense | $98,000 | 4,997 |
| Additional noninterest expense | $341,000 | 4,235 |
| Pre-tax net operating income | $530,000 | 2,302 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $170,000 | 1,596 |
| Income before extraordinary items | $360,000 | 2,757 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $360,000 | 2,754 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $360,000 | 2,757 |
| Net charge-offs | $16,000 | 4,565 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 567 |
| Net operating income | $360,000 | 2,644 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,790,000 | 3,571 |
| Total interest expense | $2,784,000 | 3,619 |
| Net interest income | $6,006,000 | 3,467 |
| Provision for loan and lease losses | $892,000 | 3,687 |
| Total noninterest income | $124,000 | 6,784 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $51,000 | 6,458 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $73,000 | 6,011 |
| Total noninterest expense | $4,145,000 | 4,240 |
| Salaries and employee benefits | $2,402,000 | 3,806 |
| Premises and equipment expense | $367,000 | 5,205 |
| Additional noninterest expense | $1,376,000 | 4,321 |
| Pre-tax net operating income | $1,093,000 | 2,851 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $168,000 | 2,531 |
| Income before extraordinary items | $925,000 | 2,897 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $925,000 | 2,896 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $925,000 | 2,897 |
| Net charge-offs | $230,000 | 4,826 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $266,000 | 653 |
| Net operating income | $925,000 | 2,836 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,431,000 | 3,692 |
| Total interest expense | $2,120,000 | 3,710 |
| Net interest income | $4,311,000 | 3,593 |
| Provision for loan and lease losses | $545,000 | 3,673 |
| Total noninterest income | $76,000 | 7,089 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $33,000 | 6,608 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $43,000 | 6,371 |
| Total noninterest expense | $3,157,000 | 4,205 |
| Salaries and employee benefits | $1,785,000 | 3,877 |
| Premises and equipment expense | $272,000 | 5,276 |
| Additional noninterest expense | $1,100,000 | 4,123 |
| Pre-tax net operating income | $685,000 | 3,373 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $75,000 | 3,083 |
| Income before extraordinary items | $610,000 | 3,362 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $610,000 | 3,360 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $610,000 | 3,362 |
| Net charge-offs | $197,000 | 4,270 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $233,000 | 556 |
| Net operating income | $610,000 | 3,266 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,171,000 | 3,788 |
| Total interest expense | $1,431,000 | 3,786 |
| Net interest income | $2,740,000 | 3,710 |
| Provision for loan and lease losses | $280,000 | 3,840 |
| Total noninterest income | $48,000 | 7,191 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $14,000 | 6,894 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $34,000 | 6,268 |
| Total noninterest expense | $2,122,000 | 4,221 |
| Salaries and employee benefits | $1,164,000 | 3,968 |
| Premises and equipment expense | $180,000 | 5,339 |
| Additional noninterest expense | $778,000 | 3,958 |
| Pre-tax net operating income | $386,000 | 3,743 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $386,000 | 3,536 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $386,000 | 3,534 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $386,000 | 3,535 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $184,000 | 488 |
| Net operating income | $386,000 | 3,421 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,054,000 | 3,865 |
| Total interest expense | $737,000 | 3,809 |
| Net interest income | $1,317,000 | 3,793 |
| Provision for loan and lease losses | $79,000 | 4,253 |
| Total noninterest income | $23,000 | 7,294 |
| 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 | $17,000 | 6,333 |
| Total noninterest expense | $1,052,000 | 4,157 |
| Salaries and employee benefits | $597,000 | 3,933 |
| Premises and equipment expense | $91,000 | 5,354 |
| Additional noninterest expense | $364,000 | 3,845 |
| Pre-tax net operating income | $209,000 | 3,967 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $209,000 | 3,791 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $209,000 | 3,791 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $209,000 | 3,792 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 386 |
| Net operating income | $209,000 | 3,641 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,882,000 | 4,174 |
| Total interest expense | $3,342,000 | 3,960 |
| Net interest income | $4,540,000 | 4,203 |
| Provision for loan and lease losses | $1,077,000 | 2,593 |
| Total noninterest income | $132,000 | 7,016 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $72,000 | 6,294 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $60,000 | 6,572 |
| Total noninterest expense | $3,411,000 | 4,721 |
| Salaries and employee benefits | $1,828,000 | 4,738 |
| Premises and equipment expense | $313,000 | 5,690 |
| Additional noninterest expense | $1,270,000 | 4,103 |
| Pre-tax net operating income | $184,000 | 5,797 |
| Securities gains (losses) | $103,000 | 1,107 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $287,000 | 5,168 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $287,000 | 5,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 3,316 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $344,000 | 639 |
| Net operating income | $184,000 | 5,694 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,757,000 | 4,310 |
| Total interest expense | $2,478,000 | 4,099 |
| Net interest income | $3,279,000 | 4,338 |
| Provision for loan and lease losses | $737,000 | 2,201 |
| Total noninterest income | $85,000 | 7,274 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $46,000 | 6,522 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $39,000 | 6,860 |
| Total noninterest expense | $2,438,000 | 4,836 |
| Salaries and employee benefits | $1,278,000 | 4,979 |
| Premises and equipment expense | $223,000 | 5,829 |
| Additional noninterest expense | $937,000 | 4,075 |
| Pre-tax net operating income | $189,000 | 6,079 |
| Securities gains (losses) | $14,000 | 2,218 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $203,000 | 5,684 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $203,000 | 5,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 2,381 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $258,000 | 517 |
| Net operating income | $189,000 | 5,930 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,730,000 | 4,440 |
| Total interest expense | $1,574,000 | 4,374 |
| Net interest income | $2,156,000 | 4,369 |
| Provision for loan and lease losses | $476,000 | 1,967 |
| Total noninterest income | $39,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $12,000 | 7,080 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $27,000 | 6,905 |
| Total noninterest expense | $1,610,000 | 4,897 |
| Salaries and employee benefits | $851,000 | 5,023 |
| Premises and equipment expense | $135,000 | 6,111 |
| Additional noninterest expense | $624,000 | 4,062 |
| Pre-tax net operating income | $109,000 | 6,349 |
| Securities gains (losses) | $14,000 | 2,273 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $123,000 | 6,183 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $123,000 | 6,183 |
| 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 | $172,000 | 444 |
| Net operating income | $109,000 | 6,220 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,795,000 | 4,641 |
| Total interest expense | $774,000 | 4,601 |
| Net interest income | $1,021,000 | 4,552 |
| Provision for loan and lease losses | $143,000 | 2,245 |
| Total noninterest income | $22,000 | 7,623 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $2,000 | 7,305 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $20,000 | 6,458 |
| Total noninterest expense | $871,000 | 4,685 |
| Salaries and employee benefits | $503,000 | 4,531 |
| Premises and equipment expense | $66,000 | 6,208 |
| Additional noninterest expense | $302,000 | 4,093 |
| Pre-tax net operating income | $29,000 | 6,866 |
| Securities gains (losses) | $14,000 | 1,798 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $43,000 | 6,677 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $43,000 | 6,678 |
| 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 | $85,000 | 354 |
| Net operating income | $29,000 | 6,796 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,941,000 | 5,264 |
| Total interest expense | $2,424,000 | 5,348 |
| Net interest income | $3,517,000 | 5,016 |
| Provision for loan and lease losses | $691,000 | 1,873 |
| Total noninterest income | $43,000 | 8,090 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $5,000 | 7,385 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $38,000 | 7,341 |
| Total noninterest expense | $3,143,000 | 4,863 |
| Salaries and employee benefits | $1,867,000 | 4,622 |
| Premises and equipment expense | $245,000 | 6,302 |
| Additional noninterest expense | $1,031,000 | 4,560 |
| Pre-tax net operating income | $-274,000 | 7,696 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-274,000 | 7,760 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-274,000 | 7,758 |
| 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 | $353,000 | 607 |
| Net operating income | $-274,000 | 7,744 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,026,000 | 5,550 |
| Total interest expense | $1,632,000 | 5,666 |
| Net interest income | $2,394,000 | 5,356 |
| Provision for loan and lease losses | $576,000 | 1,389 |
| Total noninterest income | $27,000 | 8,189 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,429 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $24,000 | 7,528 |
| Total noninterest expense | $2,265,000 | 4,956 |
| Salaries and employee benefits | $1,342,000 | 4,736 |
| Premises and equipment expense | $179,000 | 6,349 |
| Additional noninterest expense | $744,000 | 4,622 |
| Pre-tax net operating income | $-420,000 | 8,028 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-420,000 | 8,091 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-420,000 | 8,087 |
| 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 | $284,000 | 517 |
| Net operating income | $-420,000 | 8,073 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,338,000 | 5,934 |
| Total interest expense | $880,000 | 6,159 |
| Net interest income | $1,458,000 | 5,641 |
| Provision for loan and lease losses | $458,000 | 1,102 |
| Total noninterest income | $20,000 | 8,208 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,000 | 7,481 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $18,000 | 7,471 |
| Total noninterest expense | $1,499,000 | 5,008 |
| Salaries and employee benefits | $1,101,000 | 4,097 |
| Premises and equipment expense | $116,000 | 6,453 |
| Additional noninterest expense | $282,000 | 6,278 |
| Pre-tax net operating income | $-479,000 | 8,289 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-479,000 | 8,321 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-479,000 | 8,320 |
| 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 | $170,000 | 485 |
| Net operating income | $-479,000 | 8,316 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $974,000 | 6,372 |
| Total interest expense | $348,000 | 6,656 |
| Net interest income | $626,000 | 6,058 |
| Provision for loan and lease losses | $210,000 | 1,110 |
| Total noninterest income | $2,000 | 8,473 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $2,000 | 7,430 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $0 | 8,433 |
| Total noninterest expense | $714,000 | 5,180 |
| Salaries and employee benefits | $494,000 | 4,476 |
| Premises and equipment expense | $57,000 | 6,519 |
| Additional noninterest expense | $163,000 | 5,882 |
| Pre-tax net operating income | $-296,000 | 8,409 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-296,000 | 8,432 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-296,000 | 8,430 |
| 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 | $85,000 | 389 |
| Net operating income | $-296,000 | 8,420 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,301,000 | 8,064 |
| Total interest expense | $320,000 | 8,265 |
| Net interest income | $981,000 | 7,867 |
| Provision for loan and lease losses | $356,000 | 2,490 |
| Total noninterest income | $2,000 | 8,568 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,463 |
| Total noninterest expense | $1,753,000 | 6,510 |
| Salaries and employee benefits | $1,163,000 | 6,007 |
| Premises and equipment expense | $92,000 | 7,890 |
| Additional noninterest expense | $498,000 | 6,549 |
| Pre-tax net operating income | $-1,126,000 | 8,455 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-1,126,000 | 8,487 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,126,000 | 8,486 |
| 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 | $23,898,000 | 59 |
| Net operating income | $-1,126,000 | 8,478 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $551,000 | 8,494 |
| Total interest expense | $56,000 | 8,619 |
| Net interest income | $495,000 | 8,328 |
| Provision for loan and lease losses | $174,000 | 3,168 |
| Total noninterest income | $1,000 | 8,655 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,569 |
| Total noninterest expense | $1,152,000 | 6,834 |
| Salaries and employee benefits | $725,000 | 6,489 |
| Premises and equipment expense | $43,000 | 8,334 |
| Additional noninterest expense | $384,000 | 6,494 |
| Pre-tax net operating income | $-830,000 | 8,538 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-830,000 | 8,572 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-830,000 | 8,571 |
| 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 | $23,815,000 | 40 |
| Net operating income | $-830,000 | 8,563 |
* 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.