Home > Carolina Federal Savings Bank > Income and Expense
Carolina Federal Savings Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $621,000 | 6,014 |
| Total interest expense | $167,000 | 4,871 |
| Net interest income | $454,000 | 6,199 |
| Provision for loan and lease losses | $35,000 | 4,011 |
| Total noninterest income | $66,000 | 5,520 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $28,000 | 5,334 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $38,000 | 5,091 |
| Total noninterest expense | $455,000 | 5,945 |
| Salaries and employee benefits | $249,000 | 5,837 |
| Premises and equipment expense | $55,000 | 5,677 |
| Additional noninterest expense | $151,000 | 5,918 |
| Pre-tax net operating income | $30,000 | 6,131 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $30,000 | 6,225 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $30,000 | 6,224 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $30,000 | 6,225 |
| Net charge-offs | $12,000 | 3,957 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $30,000 | 6,095 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,672,000 | 5,967 |
| Total interest expense | $817,000 | 4,879 |
| Net interest income | $1,855,000 | 6,206 |
| Provision for loan and lease losses | $2,180,000 | 1,479 |
| Total noninterest income | $232,000 | 5,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 6,848 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $222,000 | 4,318 |
| Total noninterest expense | $2,390,000 | 5,438 |
| Salaries and employee benefits | $1,026,000 | 5,819 |
| Premises and equipment expense | $463,000 | 4,240 |
| Additional noninterest expense | $901,000 | 5,155 |
| Pre-tax net operating income | $-2,483,000 | 6,854 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-2,483,000 | 6,898 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,483,000 | 6,897 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,483,000 | 6,898 |
| Net charge-offs | $1,803,000 | 1,657 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-2,483,000 | 6,879 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,031,000 | 6,001 |
| Total interest expense | $625,000 | 4,949 |
| Net interest income | $1,406,000 | 6,236 |
| Provision for loan and lease losses | $2,004,000 | 1,234 |
| Total noninterest income | $54,000 | 6,739 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 6,925 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $48,000 | 5,835 |
| Total noninterest expense | $1,816,000 | 5,426 |
| Salaries and employee benefits | $779,000 | 5,815 |
| Premises and equipment expense | $347,000 | 4,275 |
| Additional noninterest expense | $690,000 | 5,137 |
| Pre-tax net operating income | $-2,360,000 | 7,050 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-2,360,000 | 7,097 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,360,000 | 7,098 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,360,000 | 7,098 |
| Net charge-offs | $1,576,000 | 1,437 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,360,000 | 7,084 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,395,000 | 6,004 |
| Total interest expense | $421,000 | 5,046 |
| Net interest income | $974,000 | 6,208 |
| Provision for loan and lease losses | $1,927,000 | 938 |
| Total noninterest income | $66,000 | 6,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 6,967 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $62,000 | 5,221 |
| Total noninterest expense | $1,272,000 | 5,366 |
| Salaries and employee benefits | $529,000 | 5,837 |
| Premises and equipment expense | $233,000 | 4,301 |
| Additional noninterest expense | $510,000 | 4,950 |
| Pre-tax net operating income | $-2,159,000 | 7,188 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,159,000 | 7,225 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,159,000 | 7,226 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,159,000 | 7,226 |
| Net charge-offs | $1,581,000 | 1,080 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,159,000 | 7,213 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $687,000 | 6,070 |
| Total interest expense | $215,000 | 5,081 |
| Net interest income | $472,000 | 6,293 |
| Provision for loan and lease losses | $100,000 | 3,337 |
| Total noninterest income | $71,000 | 5,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $71,000 | 4,103 |
| Total noninterest expense | $587,000 | 5,603 |
| Salaries and employee benefits | $267,000 | 5,852 |
| Premises and equipment expense | $117,000 | 4,338 |
| Additional noninterest expense | $203,000 | 5,501 |
| Pre-tax net operating income | $-144,000 | 6,755 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-144,000 | 6,799 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-144,000 | 6,799 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-144,000 | 6,799 |
| Net charge-offs | $177,000 | 2,216 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-144,000 | 6,792 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,092,000 | 5,969 |
| Total interest expense | $1,034,000 | 5,141 |
| Net interest income | $2,058,000 | 6,192 |
| Provision for loan and lease losses | $812,000 | 3,385 |
| Total noninterest income | $75,000 | 6,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $75,000 | 5,743 |
| Total noninterest expense | $2,364,000 | 5,638 |
| Salaries and employee benefits | $1,088,000 | 5,867 |
| Premises and equipment expense | $528,000 | 4,035 |
| Additional noninterest expense | $748,000 | 5,762 |
| Pre-tax net operating income | $-1,043,000 | 6,505 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $70,000 | 3,455 |
| Income before extraordinary items | $-1,113,000 | 6,630 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,113,000 | 6,631 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,113,000 | 6,631 |
| Net charge-offs | $989,000 | 2,705 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,113,000 | 6,597 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,344,000 | 6,056 |
| Total interest expense | $788,000 | 5,262 |
| Net interest income | $1,556,000 | 6,268 |
| Provision for loan and lease losses | $551,000 | 3,380 |
| Total noninterest income | $33,000 | 7,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $33,000 | 6,351 |
| Total noninterest expense | $1,746,000 | 5,717 |
| Salaries and employee benefits | $832,000 | 5,870 |
| Premises and equipment expense | $409,000 | 4,042 |
| Additional noninterest expense | $505,000 | 6,017 |
| Pre-tax net operating income | $-708,000 | 6,652 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $70,000 | 3,354 |
| Income before extraordinary items | $-778,000 | 6,811 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-778,000 | 6,810 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-778,000 | 6,811 |
| Net charge-offs | $940,000 | 2,264 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-778,000 | 6,763 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,557,000 | 6,105 |
| Total interest expense | $525,000 | 5,367 |
| Net interest income | $1,032,000 | 6,311 |
| Provision for loan and lease losses | $280,000 | 3,740 |
| Total noninterest income | $1,000 | 7,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,000 | 7,201 |
| Total noninterest expense | $1,183,000 | 5,706 |
| Salaries and employee benefits | $563,000 | 5,885 |
| Premises and equipment expense | $282,000 | 3,980 |
| Additional noninterest expense | $338,000 | 6,047 |
| Pre-tax net operating income | $-430,000 | 6,695 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $70,000 | 3,074 |
| Income before extraordinary items | $-500,000 | 6,862 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-500,000 | 6,865 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-500,000 | 6,863 |
| Net charge-offs | $634,000 | 2,176 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-500,000 | 6,814 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $823,000 | 6,081 |
| Total interest expense | $273,000 | 5,409 |
| Net interest income | $550,000 | 6,207 |
| Provision for loan and lease losses | $155,000 | 3,289 |
| Total noninterest income | $37,000 | 6,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $37,000 | 5,161 |
| Total noninterest expense | $614,000 | 5,671 |
| Salaries and employee benefits | $292,000 | 5,884 |
| Premises and equipment expense | $144,000 | 3,981 |
| Additional noninterest expense | $178,000 | 5,958 |
| Pre-tax net operating income | $-182,000 | 6,807 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-182,000 | 6,908 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-182,000 | 6,909 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-182,000 | 6,908 |
| Net charge-offs | $475,000 | 1,621 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-182,000 | 6,866 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,503,000 | 6,016 |
| Total interest expense | $1,535,000 | 5,108 |
| Net interest income | $1,968,000 | 6,382 |
| Provision for loan and lease losses | $262,000 | 5,464 |
| Total noninterest income | $219,000 | 6,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $219,000 | 4,492 |
| Total noninterest expense | $2,539,000 | 5,634 |
| Salaries and employee benefits | $1,239,000 | 5,760 |
| Premises and equipment expense | $620,000 | 3,789 |
| Additional noninterest expense | $680,000 | 6,195 |
| Pre-tax net operating income | $-614,000 | 6,057 |
| Securities gains (losses) | $8,000 | 3,320 |
| Applicable income taxes | $325,000 | 1,956 |
| Income before extraordinary items | $-931,000 | 6,334 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-931,000 | 6,334 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-931,000 | 6,334 |
| Net charge-offs | $17,000 | 6,721 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-939,000 | 6,339 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 6,060 |
| Total interest expense | $1,206,000 | 5,130 |
| Net interest income | $1,448,000 | 6,461 |
| Provision for loan and lease losses | $62,000 | 6,387 |
| Total noninterest income | $154,000 | 6,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $154,000 | 4,711 |
| Total noninterest expense | $1,823,000 | 5,778 |
| Salaries and employee benefits | $941,000 | 5,745 |
| Premises and equipment expense | $467,000 | 3,816 |
| Additional noninterest expense | $415,000 | 6,625 |
| Pre-tax net operating income | $-283,000 | 6,117 |
| Securities gains (losses) | $8,000 | 3,037 |
| Applicable income taxes | $-102,000 | 6,945 |
| Income before extraordinary items | $-173,000 | 6,085 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-173,000 | 6,086 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-173,000 | 6,085 |
| Net charge-offs | $10,000 | 6,519 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-178,120 | 6,074 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,767,000 | 6,120 |
| Total interest expense | $838,000 | 5,157 |
| Net interest income | $929,000 | 6,554 |
| Provision for loan and lease losses | $12,000 | 6,848 |
| Total noninterest income | $99,000 | 6,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $99,000 | 4,807 |
| Total noninterest expense | $1,221,000 | 5,810 |
| Salaries and employee benefits | $645,000 | 5,738 |
| Premises and equipment expense | $317,000 | 3,780 |
| Additional noninterest expense | $259,000 | 6,777 |
| Pre-tax net operating income | $-205,000 | 6,286 |
| Securities gains (losses) | $8,000 | 2,641 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-197,000 | 6,377 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-197,000 | 6,376 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-197,000 | 6,376 |
| Net charge-offs | $1,000 | 6,525 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-205,000 | 6,374 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $893,000 | 6,144 |
| Total interest expense | $414,000 | 5,307 |
| Net interest income | $479,000 | 6,500 |
| Provision for loan and lease losses | $5,000 | 6,536 |
| Total noninterest income | $43,000 | 6,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $43,000 | 5,090 |
| Total noninterest expense | $589,000 | 5,870 |
| Salaries and employee benefits | $331,000 | 5,725 |
| Premises and equipment expense | $165,000 | 3,715 |
| Additional noninterest expense | $93,000 | 7,192 |
| Pre-tax net operating income | $-72,000 | 6,564 |
| Securities gains (losses) | $8,000 | 1,969 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-64,000 | 6,710 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-64,000 | 6,711 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-64,000 | 6,711 |
| Net charge-offs | $3,000 | 5,319 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-72,000 | 6,637 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,708,000 | 6,188 |
| Total interest expense | $1,720,000 | 5,673 |
| Net interest income | $1,988,000 | 6,420 |
| Provision for loan and lease losses | $48,000 | 6,618 |
| Total noninterest income | $239,000 | 6,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $239,000 | 4,528 |
| Total noninterest expense | $2,577,000 | 5,571 |
| Salaries and employee benefits | $1,436,000 | 5,469 |
| Premises and equipment expense | $704,000 | 3,493 |
| Additional noninterest expense | $437,000 | 6,897 |
| Pre-tax net operating income | $-398,000 | 6,702 |
| Securities gains (losses) | $33,000 | 1,871 |
| Applicable income taxes | $-122,000 | 7,125 |
| Income before extraordinary items | $-243,000 | 6,524 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-243,000 | 6,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,325 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-265,110 | 6,685 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,781,000 | 6,255 |
| Total interest expense | $1,319,000 | 5,733 |
| Net interest income | $1,462,000 | 6,524 |
| Provision for loan and lease losses | $8,000 | 6,813 |
| Total noninterest income | $184,000 | 6,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $184,000 | 4,580 |
| Total noninterest expense | $1,920,000 | 5,581 |
| Salaries and employee benefits | $1,091,000 | 5,442 |
| Premises and equipment expense | $530,000 | 3,507 |
| Additional noninterest expense | $299,000 | 7,058 |
| Pre-tax net operating income | $-282,000 | 7,101 |
| Securities gains (losses) | $23,000 | 1,927 |
| Applicable income taxes | $8,000 | 4,921 |
| Income before extraordinary items | $-267,000 | 6,982 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-267,000 | 6,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,975 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-290,000 | 7,162 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,823,000 | 6,355 |
| Total interest expense | $912,000 | 5,795 |
| Net interest income | $911,000 | 6,696 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $122,000 | 6,340 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $122,000 | 4,685 |
| Total noninterest expense | $1,302,000 | 5,561 |
| Salaries and employee benefits | $765,000 | 5,353 |
| Premises and equipment expense | $357,000 | 3,505 |
| Additional noninterest expense | $180,000 | 7,230 |
| Pre-tax net operating income | $-269,000 | 7,400 |
| Securities gains (losses) | $36,000 | 1,670 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-233,000 | 7,448 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-233,000 | 7,448 |
| 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 | $0 | 1,136 |
| Net operating income | $-269,000 | 7,471 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $923,000 | 6,396 |
| Total interest expense | $483,000 | 5,844 |
| Net interest income | $440,000 | 6,812 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $64,000 | 6,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $64,000 | 4,577 |
| Total noninterest expense | $682,000 | 5,452 |
| Salaries and employee benefits | $406,000 | 5,185 |
| Premises and equipment expense | $182,000 | 3,469 |
| Additional noninterest expense | $94,000 | 7,167 |
| Pre-tax net operating income | $-178,000 | 7,718 |
| Securities gains (losses) | $26,000 | 1,452 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-152,000 | 7,757 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-152,000 | 7,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-178,000 | 7,770 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,986,000 | 6,232 |
| Total interest expense | $1,777,000 | 6,081 |
| Net interest income | $2,209,000 | 6,284 |
| Provision for loan and lease losses | $107,000 | 4,818 |
| Total noninterest income | $247,000 | 6,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $247,000 | 4,621 |
| Total noninterest expense | $2,983,000 | 5,016 |
| Salaries and employee benefits | $1,658,000 | 4,993 |
| Premises and equipment expense | $738,000 | 3,297 |
| Additional noninterest expense | $587,000 | 6,184 |
| Pre-tax net operating income | $-634,000 | 7,892 |
| Securities gains (losses) | $127,000 | 548 |
| Applicable income taxes | $-164,000 | 8,096 |
| Income before extraordinary items | $-343,000 | 7,810 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-343,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,964 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-429,360 | 7,832 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,006,000 | 6,256 |
| Total interest expense | $1,329,000 | 6,125 |
| Net interest income | $1,677,000 | 6,281 |
| Provision for loan and lease losses | $95,000 | 4,180 |
| Total noninterest income | $189,000 | 6,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $189,000 | 4,597 |
| Total noninterest expense | $2,182,000 | 5,071 |
| Salaries and employee benefits | $1,229,000 | 5,019 |
| Premises and equipment expense | $555,000 | 3,274 |
| Additional noninterest expense | $398,000 | 6,428 |
| Pre-tax net operating income | $-411,000 | 8,020 |
| Securities gains (losses) | $105,000 | 487 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-306,000 | 8,007 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-306,000 | 8,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,091 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-411,000 | 8,067 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,066,000 | 6,234 |
| Total interest expense | $931,000 | 6,025 |
| Net interest income | $1,135,000 | 6,291 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $123,000 | 6,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $123,000 | 4,702 |
| Total noninterest expense | $1,483,000 | 5,046 |
| Salaries and employee benefits | $831,000 | 5,004 |
| Premises and equipment expense | $365,000 | 3,327 |
| Additional noninterest expense | $287,000 | 6,238 |
| Pre-tax net operating income | $-315,000 | 8,168 |
| Securities gains (losses) | $94,000 | 419 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-221,000 | 8,138 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-221,000 | 8,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 1,681 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-315,000 | 8,206 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,071,000 | 6,160 |
| Total interest expense | $493,000 | 5,898 |
| Net interest income | $578,000 | 6,256 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $63,000 | 6,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $63,000 | 4,645 |
| Total noninterest expense | $697,000 | 5,267 |
| Salaries and employee benefits | $398,000 | 5,183 |
| Premises and equipment expense | $181,000 | 3,371 |
| Additional noninterest expense | $118,000 | 6,739 |
| Pre-tax net operating income | $-56,000 | 8,049 |
| Securities gains (losses) | $47,000 | 426 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-9,000 | 7,905 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-9,000 | 7,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 1,903 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-56,000 | 8,054 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,838,000 | 5,649 |
| Total interest expense | $2,235,000 | 5,114 |
| Net interest income | $2,603,000 | 5,907 |
| Provision for loan and lease losses | $20,000 | 6,291 |
| Total noninterest income | $428,000 | 5,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $428,000 | 3,613 |
| Total noninterest expense | $3,261,000 | 4,613 |
| Salaries and employee benefits | $1,770,000 | 4,673 |
| Premises and equipment expense | $762,000 | 3,118 |
| Additional noninterest expense | $729,000 | 5,532 |
| Pre-tax net operating income | $-250,000 | 8,145 |
| Securities gains (losses) | $258,000 | 342 |
| Applicable income taxes | $5,000 | 6,317 |
| Income before extraordinary items | $3,000 | 7,969 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,000 | 7,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,501 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-162,120 | 8,109 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,694,000 | 5,599 |
| Total interest expense | $1,687,000 | 5,022 |
| Net interest income | $2,007,000 | 5,889 |
| Provision for loan and lease losses | $20,000 | 5,975 |
| Total noninterest income | $326,000 | 5,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $326,000 | 3,591 |
| Total noninterest expense | $2,404,000 | 4,661 |
| Salaries and employee benefits | $1,277,000 | 4,765 |
| Premises and equipment expense | $561,000 | 3,168 |
| Additional noninterest expense | $566,000 | 5,396 |
| Pre-tax net operating income | $-91,000 | 8,216 |
| Securities gains (losses) | $209,000 | 328 |
| Applicable income taxes | $32,000 | 5,718 |
| Income before extraordinary items | $86,000 | 7,794 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $86,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,202 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-66,570 | 8,206 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,491,000 | 5,543 |
| Total interest expense | $1,123,000 | 4,921 |
| Net interest income | $1,368,000 | 5,867 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $218,000 | 5,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $218,000 | 3,574 |
| Total noninterest expense | $1,608,000 | 4,658 |
| Salaries and employee benefits | $823,000 | 4,906 |
| Premises and equipment expense | $390,000 | 3,071 |
| Additional noninterest expense | $395,000 | 5,249 |
| Pre-tax net operating income | $-22,000 | 8,235 |
| Securities gains (losses) | $152,000 | 298 |
| Applicable income taxes | $62,000 | 5,032 |
| Income before extraordinary items | $68,000 | 7,781 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $68,000 | 7,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,680 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-29,280 | 8,244 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 5,495 |
| Total interest expense | $554,000 | 4,824 |
| Net interest income | $689,000 | 5,849 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $97,000 | 5,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,775 |
| Total noninterest expense | $781,000 | 4,772 |
| Salaries and employee benefits | $388,000 | 5,118 |
| Premises and equipment expense | $197,000 | 3,066 |
| Additional noninterest expense | $196,000 | 5,244 |
| Pre-tax net operating income | $5,000 | 8,161 |
| Securities gains (losses) | $80,000 | 279 |
| Applicable income taxes | $35,000 | 4,870 |
| Income before extraordinary items | $50,000 | 7,534 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $50,000 | 7,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 1,568 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-1,200 | 8,204 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,226,000 | 5,010 |
| Total interest expense | $2,024,000 | 4,396 |
| Net interest income | $3,202,000 | 5,290 |
| Provision for loan and lease losses | $411,000 | 2,234 |
| Total noninterest income | $534,000 | 5,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $534,000 | 3,252 |
| Total noninterest expense | $3,186,000 | 4,580 |
| Salaries and employee benefits | $1,565,000 | 4,914 |
| Premises and equipment expense | $760,000 | 3,026 |
| Additional noninterest expense | $861,000 | 4,917 |
| Pre-tax net operating income | $139,000 | 7,872 |
| Securities gains (losses) | $466,000 | 295 |
| Applicable income taxes | $199,000 | 4,677 |
| Income before extraordinary items | $406,000 | 6,755 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $406,000 | 6,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,186 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $93,780 | 7,969 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,893,000 | 5,009 |
| Total interest expense | $1,467,000 | 4,357 |
| Net interest income | $2,426,000 | 5,265 |
| Provision for loan and lease losses | $275,000 | 2,345 |
| Total noninterest income | $410,000 | 5,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $410,000 | 3,236 |
| Total noninterest expense | $2,249,000 | 4,736 |
| Salaries and employee benefits | $1,180,000 | 4,875 |
| Premises and equipment expense | $563,000 | 3,040 |
| Additional noninterest expense | $506,000 | 5,659 |
| Pre-tax net operating income | $312,000 | 7,153 |
| Securities gains (losses) | $370,000 | 329 |
| Applicable income taxes | $304,000 | 3,786 |
| Income before extraordinary items | $378,000 | 6,497 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $378,000 | 6,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 1,856 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $141,200 | 7,713 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,507,000 | 5,053 |
| Total interest expense | $871,000 | 4,533 |
| Net interest income | $1,636,000 | 5,230 |
| Provision for loan and lease losses | $188,000 | 2,255 |
| Total noninterest income | $291,000 | 4,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $291,000 | 3,123 |
| Total noninterest expense | $1,446,000 | 4,851 |
| Salaries and employee benefits | $774,000 | 4,922 |
| Premises and equipment expense | $370,000 | 3,051 |
| Additional noninterest expense | $302,000 | 5,980 |
| Pre-tax net operating income | $293,000 | 6,624 |
| Securities gains (losses) | $236,000 | 375 |
| Applicable income taxes | $216,000 | 3,662 |
| Income before extraordinary items | $313,000 | 6,028 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $313,000 | 6,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,529 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $161,960 | 7,202 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,181,000 | 5,229 |
| Total interest expense | $392,000 | 4,742 |
| Net interest income | $789,000 | 5,361 |
| Provision for loan and lease losses | $88,000 | 2,305 |
| Total noninterest income | $142,000 | 4,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $142,000 | 3,079 |
| Total noninterest expense | $706,000 | 4,976 |
| Salaries and employee benefits | $380,000 | 4,998 |
| Premises and equipment expense | $182,000 | 3,111 |
| Additional noninterest expense | $144,000 | 6,135 |
| Pre-tax net operating income | $137,000 | 6,727 |
| Securities gains (losses) | $100,000 | 366 |
| Applicable income taxes | $94,000 | 3,867 |
| Income before extraordinary items | $143,000 | 6,203 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $143,000 | 6,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $79,000 | 7,225 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,125,000 | 5,458 |
| Total interest expense | $1,274,000 | 4,945 |
| Net interest income | $2,851,000 | 5,574 |
| Provision for loan and lease losses | $216,000 | 3,566 |
| Total noninterest income | $961,000 | 3,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $961,000 | 2,206 |
| Total noninterest expense | $3,074,000 | 4,588 |
| Salaries and employee benefits | $1,946,000 | 4,087 |
| Premises and equipment expense | $642,000 | 3,353 |
| Additional noninterest expense | $486,000 | 6,629 |
| Pre-tax net operating income | $522,000 | 6,649 |
| Securities gains (losses) | $380,000 | 539 |
| Applicable income taxes | $361,000 | 3,884 |
| Income before extraordinary items | $541,000 | 6,201 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $541,000 | 6,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,989 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $297,800 | 7,187 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,980,000 | 5,573 |
| Total interest expense | $915,000 | 5,046 |
| Net interest income | $2,065,000 | 5,684 |
| Provision for loan and lease losses | $143,000 | 3,635 |
| Total noninterest income | $713,000 | 3,688 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $713,000 | 2,239 |
| Total noninterest expense | $2,282,000 | 4,582 |
| Salaries and employee benefits | $1,455,000 | 4,055 |
| Premises and equipment expense | $478,000 | 3,380 |
| Additional noninterest expense | $349,000 | 6,731 |
| Pre-tax net operating income | $353,000 | 6,945 |
| Securities gains (losses) | $272,000 | 639 |
| Applicable income taxes | $248,000 | 4,103 |
| Income before extraordinary items | $377,000 | 6,453 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $377,000 | 6,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,231 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $202,920 | 7,406 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,916,000 | 5,686 |
| Total interest expense | $596,000 | 5,118 |
| Net interest income | $1,320,000 | 5,824 |
| Provision for loan and lease losses | $83,000 | 3,874 |
| Total noninterest income | $450,000 | 3,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $450,000 | 2,348 |
| Total noninterest expense | $1,472,000 | 4,726 |
| Salaries and employee benefits | $914,000 | 4,262 |
| Premises and equipment expense | $322,000 | 3,355 |
| Additional noninterest expense | $236,000 | 6,715 |
| Pre-tax net operating income | $215,000 | 7,073 |
| Securities gains (losses) | $166,000 | 732 |
| Applicable income taxes | $133,000 | 4,442 |
| Income before extraordinary items | $248,000 | 6,462 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $248,000 | 6,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,991 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $140,100 | 7,345 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 5,768 |
| Total interest expense | $302,000 | 5,143 |
| Net interest income | $641,000 | 5,924 |
| Provision for loan and lease losses | $55,000 | 3,182 |
| Total noninterest income | $195,000 | 4,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $195,000 | 2,511 |
| Total noninterest expense | $709,000 | 4,878 |
| Salaries and employee benefits | $441,000 | 4,413 |
| Premises and equipment expense | $158,000 | 3,442 |
| Additional noninterest expense | $110,000 | 6,907 |
| Pre-tax net operating income | $72,000 | 7,574 |
| Securities gains (losses) | $58,000 | 1,108 |
| Applicable income taxes | $45,000 | 4,981 |
| Income before extraordinary items | $85,000 | 7,142 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $85,000 | 7,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $47,300 | 7,782 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,859,000 | 5,767 |
| Total interest expense | $1,349,000 | 5,216 |
| Net interest income | $2,510,000 | 5,889 |
| Provision for loan and lease losses | $283,000 | 3,314 |
| Total noninterest income | $868,000 | 4,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $868,000 | 2,598 |
| Total noninterest expense | $2,694,000 | 4,951 |
| Salaries and employee benefits | $1,593,000 | 4,655 |
| Premises and equipment expense | $621,000 | 3,429 |
| Additional noninterest expense | $480,000 | 6,673 |
| Pre-tax net operating income | $401,000 | 7,040 |
| Securities gains (losses) | $316,000 | 1,017 |
| Applicable income taxes | $255,000 | 4,542 |
| Income before extraordinary items | $462,000 | 6,507 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $462,000 | 6,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 3,104 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $259,760 | 7,332 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,982,000 | 5,726 |
| Total interest expense | $1,038,000 | 5,257 |
| Net interest income | $1,944,000 | 5,806 |
| Provision for loan and lease losses | $251,000 | 2,839 |
| Total noninterest income | $662,000 | 4,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $662,000 | 2,666 |
| Total noninterest expense | $2,017,000 | 4,948 |
| Salaries and employee benefits | $1,201,000 | 4,614 |
| Premises and equipment expense | $453,000 | 3,504 |
| Additional noninterest expense | $363,000 | 6,625 |
| Pre-tax net operating income | $338,000 | 7,003 |
| Securities gains (losses) | $247,000 | 1,095 |
| Applicable income taxes | $208,000 | 4,592 |
| Income before extraordinary items | $377,000 | 6,480 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $377,000 | 6,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,387 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $218,920 | 7,319 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 5,790 |
| Total interest expense | $711,000 | 5,294 |
| Net interest income | $1,265,000 | 5,892 |
| Provision for loan and lease losses | $151,000 | 2,992 |
| Total noninterest income | $394,000 | 4,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $394,000 | 2,825 |
| Total noninterest expense | $1,330,000 | 4,982 |
| Salaries and employee benefits | $774,000 | 4,723 |
| Premises and equipment expense | $297,000 | 3,520 |
| Additional noninterest expense | $259,000 | 6,424 |
| Pre-tax net operating income | $178,000 | 7,399 |
| Securities gains (losses) | $166,000 | 1,164 |
| Applicable income taxes | $124,000 | 4,809 |
| Income before extraordinary items | $220,000 | 6,785 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $220,000 | 6,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,655 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $113,760 | 7,644 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $985,000 | 5,830 |
| Total interest expense | $373,000 | 5,244 |
| Net interest income | $612,000 | 6,006 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $185,000 | 4,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $185,000 | 2,856 |
| Total noninterest expense | $665,000 | 4,982 |
| Salaries and employee benefits | $380,000 | 4,800 |
| Premises and equipment expense | $147,000 | 3,538 |
| Additional noninterest expense | $138,000 | 6,218 |
| Pre-tax net operating income | $42,000 | 8,115 |
| Securities gains (losses) | $87,000 | 1,078 |
| Applicable income taxes | $49,000 | 5,135 |
| Income before extraordinary items | $80,000 | 7,286 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $80,000 | 7,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $24,320 | 8,278 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,670,000 | 6,182 |
| Total interest expense | $1,533,000 | 5,657 |
| Net interest income | $2,137,000 | 6,414 |
| Provision for loan and lease losses | $193,000 | 4,450 |
| Total noninterest income | $722,000 | 4,246 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $722,000 | 2,659 |
| Total noninterest expense | $2,390,000 | 5,240 |
| Salaries and employee benefits | $1,299,000 | 5,194 |
| Premises and equipment expense | $543,000 | 3,710 |
| Additional noninterest expense | $548,000 | 6,236 |
| Pre-tax net operating income | $276,000 | 7,646 |
| Securities gains (losses) | $248,000 | 1,028 |
| Applicable income taxes | $135,000 | 5,645 |
| Income before extraordinary items | $389,000 | 6,898 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $389,000 | 6,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,150 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $205,480 | 7,712 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,444,000 | 6,808 |
| Total interest expense | $1,870,000 | 6,311 |
| Net interest income | $1,574,000 | 7,203 |
| Provision for loan and lease losses | $126,000 | 5,110 |
| Total noninterest income | $723,000 | 4,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $723,000 | 2,528 |
| Total noninterest expense | $2,459,000 | 5,006 |
| Salaries and employee benefits | $1,315,000 | 4,985 |
| Premises and equipment expense | $493,000 | 3,920 |
| Additional noninterest expense | $651,000 | 5,538 |
| Pre-tax net operating income | $-288,000 | 9,016 |
| Securities gains (losses) | $217,000 | 1,133 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-71,000 | 8,925 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-71,000 | 8,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,287 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-288,000 | 9,055 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,072,000 | 8,334 |
| Total interest expense | $1,086,000 | 8,044 |
| Net interest income | $986,000 | 8,510 |
| Provision for loan and lease losses | $139,000 | 4,573 |
| Total noninterest income | $197,000 | 7,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $197,000 | 4,838 |
| Total noninterest expense | $1,111,000 | 7,708 |
| Salaries and employee benefits | $564,000 | 7,902 |
| Premises and equipment expense | $176,000 | 7,142 |
| Additional noninterest expense | $371,000 | 7,400 |
| Pre-tax net operating income | $-67,000 | 9,218 |
| Securities gains (losses) | $11,000 | 1,132 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-56,000 | 9,215 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-56,000 | 9,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-67,000 | 9,222 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $821,000 | 9,760 |
| Total interest expense | $385,000 | 9,674 |
| Net interest income | $436,000 | 9,779 |
| Provision for loan and lease losses | $31,000 | 7,196 |
| Total noninterest income | $57,000 | 9,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $394,000 | 9,888 |
| Salaries and employee benefits | $174,000 | 9,992 |
| Premises and equipment expense | $124,000 | 8,153 |
| Additional noninterest expense | $96,000 | 9,948 |
| Pre-tax net operating income | $68,000 | 9,183 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $68,000 | 9,150 |
| Extraordinary gains, net | $-122,000 | 10,199 |
| Net income | $-54,000 | 9,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,871 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $68,000 | 9,121 |
* 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.