Home > Commerce National Bank > Income and Expense
Commerce National Bank, Income and Expense
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $7,337,000 | 2,494 |
| Total interest expense | $652,000 | 3,344 |
| Net interest income | $6,685,000 | 2,369 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $1,013,000 | 2,802 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $116,000 | 4,567 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $897,000 | 2,201 |
| Total noninterest expense | $7,211,000 | 1,965 |
| Salaries and employee benefits | $4,057,000 | 1,898 |
| Premises and equipment expense | $518,000 | 3,026 |
| Additional noninterest expense | $2,636,000 | 1,798 |
| Pre-tax net operating income | $487,000 | 4,799 |
| Securities gains (losses) | $-1,000 | 6,307 |
| Applicable income taxes | $204,000 | 2,777 |
| Income before extraordinary items | $282,000 | 5,336 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $282,000 | 5,337 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $282,000 | 5,338 |
| Net charge-offs | $153,000 | 2,844 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 491 |
| Net operating income | $282,640 | 5,248 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,806,000 | 2,526 |
| Total interest expense | $441,000 | 3,362 |
| Net interest income | $4,365,000 | 2,407 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $790,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $79,000 | 4,525 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $711,000 | 1,990 |
| Total noninterest expense | $4,586,000 | 2,066 |
| Salaries and employee benefits | $2,598,000 | 1,980 |
| Premises and equipment expense | $340,000 | 3,056 |
| Additional noninterest expense | $1,648,000 | 1,905 |
| Pre-tax net operating income | $569,000 | 3,917 |
| Securities gains (losses) | $-1,000 | 6,487 |
| Applicable income taxes | $238,000 | 2,267 |
| Income before extraordinary items | $330,000 | 4,601 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $330,000 | 4,603 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $330,000 | 4,604 |
| Net charge-offs | $36,000 | 3,609 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 444 |
| Net operating income | $330,640 | 4,502 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,398,000 | 2,551 |
| Total interest expense | $223,000 | 3,424 |
| Net interest income | $2,175,000 | 2,423 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $496,000 | 2,240 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $38,000 | 4,575 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $458,000 | 1,677 |
| Total noninterest expense | $2,283,000 | 2,094 |
| Salaries and employee benefits | $1,308,000 | 1,980 |
| Premises and equipment expense | $170,000 | 3,091 |
| Additional noninterest expense | $805,000 | 1,949 |
| Pre-tax net operating income | $388,000 | 3,348 |
| Securities gains (losses) | $-1,000 | 6,666 |
| Applicable income taxes | $162,000 | 1,924 |
| Income before extraordinary items | $225,000 | 4,070 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $225,000 | 4,073 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $225,000 | 4,073 |
| Net charge-offs | $36,000 | 2,673 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 378 |
| Net operating income | $225,640 | 3,973 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,616,000 | 2,427 |
| Total interest expense | $935,000 | 3,775 |
| Net interest income | $9,681,000 | 2,225 |
| Provision for loan and lease losses | $475,000 | 2,791 |
| Total noninterest income | $1,932,000 | 2,243 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $123,000 | 5,114 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,809,000 | 1,642 |
| Total noninterest expense | $9,121,000 | 2,102 |
| Salaries and employee benefits | $5,058,000 | 1,992 |
| Premises and equipment expense | $704,000 | 3,006 |
| Additional noninterest expense | $3,359,000 | 1,950 |
| Pre-tax net operating income | $2,017,000 | 2,796 |
| Securities gains (losses) | $1,033,000 | 506 |
| Applicable income taxes | $1,279,000 | 1,234 |
| Income before extraordinary items | $1,771,000 | 2,824 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,771,000 | 2,827 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,771,000 | 2,826 |
| Net charge-offs | $843,000 | 1,999 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 796 |
| Net operating income | $1,109,880 | 3,541 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,064,000 | 2,441 |
| Total interest expense | $703,000 | 3,891 |
| Net interest income | $7,361,000 | 2,223 |
| Provision for loan and lease losses | $475,000 | 2,338 |
| Total noninterest income | $1,298,000 | 2,407 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $80,000 | 5,412 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,218,000 | 1,762 |
| Total noninterest expense | $6,917,000 | 2,082 |
| Salaries and employee benefits | $3,730,000 | 2,022 |
| Premises and equipment expense | $527,000 | 3,046 |
| Additional noninterest expense | $2,660,000 | 1,871 |
| Pre-tax net operating income | $1,267,000 | 3,197 |
| Securities gains (losses) | $701,000 | 577 |
| Applicable income taxes | $838,000 | 1,403 |
| Income before extraordinary items | $1,130,000 | 3,192 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,130,000 | 3,192 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,130,000 | 3,191 |
| Net charge-offs | $816,000 | 1,652 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 754 |
| Net operating income | $681,360 | 3,970 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,387,000 | 2,453 |
| Total interest expense | $468,000 | 3,982 |
| Net interest income | $4,919,000 | 2,222 |
| Provision for loan and lease losses | $450,000 | 1,913 |
| Total noninterest income | $836,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $36,000 | 5,959 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $800,000 | 1,753 |
| Total noninterest expense | $4,708,000 | 2,032 |
| Salaries and employee benefits | $2,521,000 | 1,994 |
| Premises and equipment expense | $350,000 | 3,054 |
| Additional noninterest expense | $1,837,000 | 1,809 |
| Pre-tax net operating income | $597,000 | 3,804 |
| Securities gains (losses) | $490,000 | 556 |
| Applicable income taxes | $476,000 | 1,541 |
| Income before extraordinary items | $611,000 | 3,606 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $611,000 | 3,607 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $611,000 | 3,608 |
| Net charge-offs | $813,000 | 1,316 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 725 |
| Net operating income | $297,400 | 4,639 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 2,515 |
| Total interest expense | $236,000 | 4,064 |
| Net interest income | $2,426,000 | 2,257 |
| Provision for loan and lease losses | $225,000 | 1,839 |
| Total noninterest income | $386,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $18,000 | 5,949 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $368,000 | 1,857 |
| Total noninterest expense | $2,299,000 | 2,089 |
| Salaries and employee benefits | $1,234,000 | 2,036 |
| Premises and equipment expense | $165,000 | 3,222 |
| Additional noninterest expense | $900,000 | 1,841 |
| Pre-tax net operating income | $288,000 | 3,911 |
| Securities gains (losses) | $135,000 | 778 |
| Applicable income taxes | $186,000 | 1,816 |
| Income before extraordinary items | $237,000 | 4,082 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $237,000 | 4,085 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $237,000 | 4,085 |
| Net charge-offs | $549,000 | 1,030 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 673 |
| Net operating income | $150,600 | 4,706 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,868,000 | 2,566 |
| Total interest expense | $1,237,000 | 3,890 |
| Net interest income | $9,631,000 | 2,272 |
| Provision for loan and lease losses | $2,811,000 | 1,258 |
| Total noninterest income | $2,809,000 | 1,572 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $62,000 | 6,122 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,747,000 | 1,091 |
| Total noninterest expense | $8,514,000 | 2,230 |
| Salaries and employee benefits | $4,399,000 | 2,199 |
| Premises and equipment expense | $814,000 | 2,875 |
| Additional noninterest expense | $3,301,000 | 2,024 |
| Pre-tax net operating income | $1,115,000 | 3,511 |
| Securities gains (losses) | $86,000 | 2,181 |
| Applicable income taxes | $525,000 | 1,982 |
| 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 | $1,459,000 | 1,916 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 844 |
| Net operating income | $620,960 | 4,214 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,098,000 | 2,600 |
| Total interest expense | $980,000 | 3,875 |
| Net interest income | $7,118,000 | 2,305 |
| Provision for loan and lease losses | $1,850,000 | 1,304 |
| Total noninterest income | $1,992,000 | 1,618 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $43,000 | 6,245 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,949,000 | 1,136 |
| Total noninterest expense | $6,549,000 | 2,188 |
| Salaries and employee benefits | $3,340,000 | 2,176 |
| Premises and equipment expense | $636,000 | 2,800 |
| Additional noninterest expense | $2,573,000 | 1,968 |
| Pre-tax net operating income | $711,000 | 3,945 |
| Securities gains (losses) | $86,000 | 1,911 |
| Applicable income taxes | $338,000 | 2,138 |
| Income before extraordinary items | $459,000 | 4,463 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $459,000 | 4,464 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $459,000 | 4,464 |
| Net charge-offs | $1,006,000 | 1,882 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 802 |
| Net operating income | $403,960 | 4,526 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,347,000 | 2,650 |
| Total interest expense | $705,000 | 3,792 |
| Net interest income | $4,642,000 | 2,363 |
| Provision for loan and lease losses | $1,350,000 | 1,227 |
| Total noninterest income | $1,545,000 | 1,446 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $34,000 | 6,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,511,000 | 1,011 |
| Total noninterest expense | $4,256,000 | 2,254 |
| Salaries and employee benefits | $2,203,000 | 2,213 |
| Premises and equipment expense | $443,000 | 2,712 |
| Additional noninterest expense | $1,610,000 | 2,103 |
| Pre-tax net operating income | $581,000 | 3,526 |
| Securities gains (losses) | $-7,000 | 7,045 |
| Applicable income taxes | $241,000 | 2,024 |
| Income before extraordinary items | $333,000 | 4,295 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $333,000 | 4,294 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $333,000 | 4,296 |
| Net charge-offs | $900,000 | 1,564 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 777 |
| Net operating income | $337,480 | 4,178 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,671,000 | 2,673 |
| Total interest expense | $390,000 | 3,659 |
| Net interest income | $2,281,000 | 2,411 |
| Provision for loan and lease losses | $525,000 | 1,380 |
| Total noninterest income | $802,000 | 1,417 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $16,000 | 6,075 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $786,000 | 985 |
| Total noninterest expense | $2,147,000 | 2,244 |
| Salaries and employee benefits | $1,083,000 | 2,260 |
| Premises and equipment expense | $256,000 | 2,441 |
| Additional noninterest expense | $808,000 | 2,085 |
| Pre-tax net operating income | $411,000 | 2,912 |
| Securities gains (losses) | $-7,000 | 7,136 |
| Applicable income taxes | $168,000 | 1,678 |
| Income before extraordinary items | $236,000 | 3,680 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $236,000 | 3,680 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $236,000 | 3,679 |
| Net charge-offs | $73,000 | 3,036 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 742 |
| Net operating income | $240,480 | 3,596 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,510,000 | 2,829 |
| Total interest expense | $1,615,000 | 4,087 |
| Net interest income | $8,895,000 | 2,472 |
| Provision for loan and lease losses | $1,475,000 | 2,493 |
| Total noninterest income | $853,000 | 3,525 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $30,000 | 6,517 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $823,000 | 2,457 |
| Total noninterest expense | $8,164,000 | 2,368 |
| Salaries and employee benefits | $3,956,000 | 2,422 |
| Premises and equipment expense | $1,066,000 | 2,340 |
| Additional noninterest expense | $3,142,000 | 2,201 |
| Pre-tax net operating income | $109,000 | 5,449 |
| Securities gains (losses) | $93,000 | 2,225 |
| Applicable income taxes | $100,000 | 3,235 |
| Income before extraordinary items | $102,000 | 5,609 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $102,000 | 5,611 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $102,000 | 5,611 |
| Net charge-offs | $763,000 | 3,057 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 848 |
| Net operating income | $42,480 | 5,693 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,778,000 | 2,926 |
| Total interest expense | $1,238,000 | 4,171 |
| Net interest income | $6,540,000 | 2,545 |
| Provision for loan and lease losses | $1,375,000 | 2,101 |
| Total noninterest income | $323,000 | 4,913 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $8,000 | 6,810 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $315,000 | 3,485 |
| Total noninterest expense | $5,712,000 | 2,537 |
| Salaries and employee benefits | $2,886,000 | 2,512 |
| Premises and equipment expense | $789,000 | 2,412 |
| Additional noninterest expense | $2,037,000 | 2,447 |
| Pre-tax net operating income | $-224,000 | 6,314 |
| Securities gains (losses) | $90,000 | 2,019 |
| Applicable income taxes | $-82,000 | 7,046 |
| Income before extraordinary items | $-52,000 | 6,236 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-52,000 | 6,237 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-52,000 | 6,237 |
| Net charge-offs | $731,000 | 2,589 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 793 |
| Net operating income | $-109,600 | 6,227 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,116,000 | 2,991 |
| Total interest expense | $858,000 | 4,185 |
| Net interest income | $4,258,000 | 2,602 |
| Provision for loan and lease losses | $1,075,000 | 1,869 |
| Total noninterest income | $165,000 | 5,331 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,000 | 6,923 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $164,000 | 3,836 |
| Total noninterest expense | $3,729,000 | 2,600 |
| Salaries and employee benefits | $1,910,000 | 2,538 |
| Premises and equipment expense | $509,000 | 2,506 |
| Additional noninterest expense | $1,310,000 | 2,518 |
| Pre-tax net operating income | $-381,000 | 6,653 |
| Securities gains (losses) | $-57,000 | 7,448 |
| Applicable income taxes | $-207,000 | 7,335 |
| Income before extraordinary items | $-231,000 | 6,604 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-231,000 | 6,606 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-231,000 | 6,605 |
| Net charge-offs | $729,000 | 2,035 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 727 |
| Net operating income | $-194,520 | 6,504 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,608,000 | 2,988 |
| Total interest expense | $454,000 | 4,164 |
| Net interest income | $2,154,000 | 2,605 |
| Provision for loan and lease losses | $375,000 | 2,136 |
| Total noninterest income | $87,000 | 5,274 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $4,000 | 6,875 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $83,000 | 3,837 |
| Total noninterest expense | $1,855,000 | 2,628 |
| Salaries and employee benefits | $919,000 | 2,665 |
| Premises and equipment expense | $245,000 | 2,633 |
| Additional noninterest expense | $691,000 | 2,405 |
| Pre-tax net operating income | $11,000 | 6,129 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $2,000 | 4,347 |
| Income before extraordinary items | $9,000 | 6,270 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $9,000 | 6,273 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $9,000 | 6,272 |
| Net charge-offs | $341,000 | 1,906 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 664 |
| Net operating income | $9,000 | 6,162 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,444,000 | 3,120 |
| Total interest expense | $2,416,000 | 3,988 |
| Net interest income | $8,028,000 | 2,724 |
| Provision for loan and lease losses | $1,455,000 | 2,937 |
| Total noninterest income | $520,000 | 4,663 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $19,000 | 6,903 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $501,000 | 3,194 |
| Total noninterest expense | $7,599,000 | 2,591 |
| Salaries and employee benefits | $3,717,000 | 2,625 |
| Premises and equipment expense | $947,000 | 2,706 |
| Additional noninterest expense | $2,935,000 | 2,395 |
| Pre-tax net operating income | $-506,000 | 5,988 |
| Securities gains (losses) | $-27,000 | 7,091 |
| Applicable income taxes | $18,000 | 3,711 |
| Income before extraordinary items | $-551,000 | 6,108 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-551,000 | 6,108 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-551,000 | 6,108 |
| Net charge-offs | $777,000 | 3,218 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 885 |
| Net operating income | $-524,000 | 6,092 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,889,000 | 3,151 |
| Total interest expense | $1,867,000 | 4,036 |
| Net interest income | $6,022,000 | 2,718 |
| Provision for loan and lease losses | $725,000 | 3,233 |
| Total noninterest income | $342,000 | 4,958 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $14,000 | 6,959 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $328,000 | 3,482 |
| Total noninterest expense | $5,548,000 | 2,669 |
| Salaries and employee benefits | $2,834,000 | 2,595 |
| Premises and equipment expense | $710,000 | 2,741 |
| Additional noninterest expense | $2,004,000 | 2,571 |
| Pre-tax net operating income | $91,000 | 5,325 |
| Securities gains (losses) | $-26,000 | 7,305 |
| Applicable income taxes | $195,000 | 2,346 |
| Income before extraordinary items | $-130,000 | 6,022 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-130,000 | 6,023 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-130,000 | 6,022 |
| Net charge-offs | $459,000 | 3,157 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $5,089,000 | 147 |
| Net operating income | $-113,360 | 5,967 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,210,000 | 3,211 |
| Total interest expense | $1,234,000 | 4,170 |
| Net interest income | $3,976,000 | 2,736 |
| Provision for loan and lease losses | $525,000 | 2,906 |
| Total noninterest income | $136,000 | 5,892 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $10,000 | 6,998 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $126,000 | 4,407 |
| Total noninterest expense | $3,724,000 | 2,679 |
| Salaries and employee benefits | $1,924,000 | 2,586 |
| Premises and equipment expense | $467,000 | 2,811 |
| Additional noninterest expense | $1,333,000 | 2,582 |
| Pre-tax net operating income | $-137,000 | 6,164 |
| Securities gains (losses) | $-260,000 | 7,827 |
| Applicable income taxes | $-163,000 | 7,263 |
| Income before extraordinary items | $-234,000 | 6,438 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-234,000 | 6,437 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-234,000 | 6,437 |
| Net charge-offs | $463,000 | 2,432 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $5,081,000 | 101 |
| Net operating income | $-67,600 | 6,068 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,561,000 | 3,283 |
| Total interest expense | $588,000 | 4,399 |
| Net interest income | $1,973,000 | 2,740 |
| Provision for loan and lease losses | $225,000 | 2,683 |
| Total noninterest income | $65,000 | 5,965 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $5,000 | 7,012 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $60,000 | 4,510 |
| Total noninterest expense | $1,812,000 | 2,658 |
| Salaries and employee benefits | $962,000 | 2,627 |
| Premises and equipment expense | $239,000 | 2,781 |
| Additional noninterest expense | $611,000 | 2,520 |
| Pre-tax net operating income | $1,000 | 6,218 |
| Securities gains (losses) | $-260,000 | 8,064 |
| Applicable income taxes | $-106,000 | 7,567 |
| Income before extraordinary items | $-153,000 | 6,949 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-153,000 | 6,950 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-153,000 | 6,950 |
| Net charge-offs | $115,000 | 2,719 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $5,042,000 | 57 |
| Net operating income | $13,400 | 6,089 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,779,000 | 3,093 |
| Total interest expense | $2,676,000 | 4,563 |
| Net interest income | $9,103,000 | 2,399 |
| Provision for loan and lease losses | $1,302,000 | 2,328 |
| Total noninterest income | $540,000 | 4,675 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $36,000 | 6,825 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $504,000 | 3,157 |
| Total noninterest expense | $7,804,000 | 2,425 |
| Salaries and employee benefits | $3,946,000 | 2,545 |
| Premises and equipment expense | $1,020,000 | 2,579 |
| Additional noninterest expense | $2,838,000 | 2,110 |
| Pre-tax net operating income | $537,000 | 4,760 |
| Securities gains (losses) | $-767,000 | 7,654 |
| Applicable income taxes | $-10,000 | 6,791 |
| Income before extraordinary items | $-220,000 | 6,501 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-220,000 | 6,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $777,000 | 2,238 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $313,000 | 662 |
| Net operating income | $516,320 | 4,558 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,921,000 | 3,131 |
| Total interest expense | $2,101,000 | 4,564 |
| Net interest income | $6,820,000 | 2,427 |
| Provision for loan and lease losses | $702,000 | 2,260 |
| Total noninterest income | $400,000 | 4,813 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $28,000 | 6,864 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $372,000 | 3,305 |
| Total noninterest expense | $6,090,000 | 2,339 |
| Salaries and employee benefits | $3,102,000 | 2,458 |
| Premises and equipment expense | $765,000 | 2,595 |
| Additional noninterest expense | $2,223,000 | 1,958 |
| Pre-tax net operating income | $428,000 | 5,172 |
| Securities gains (losses) | $-290,000 | 7,660 |
| Applicable income taxes | $-116,000 | 7,561 |
| Income before extraordinary items | $254,000 | 5,425 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $254,000 | 5,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,854 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $271,000 | 505 |
| Net operating income | $544,000 | 4,439 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,856,000 | 3,206 |
| Total interest expense | $1,381,000 | 4,741 |
| Net interest income | $4,475,000 | 2,444 |
| Provision for loan and lease losses | $327,000 | 2,421 |
| Total noninterest income | $340,000 | 4,354 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $21,000 | 6,831 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $319,000 | 2,924 |
| Total noninterest expense | $4,060,000 | 2,347 |
| Salaries and employee benefits | $2,050,000 | 2,517 |
| Premises and equipment expense | $504,000 | 2,619 |
| Additional noninterest expense | $1,506,000 | 1,916 |
| Pre-tax net operating income | $428,000 | 4,668 |
| Securities gains (losses) | $69,000 | 1,213 |
| Applicable income taxes | $91,000 | 3,548 |
| Income before extraordinary items | $406,000 | 4,439 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $406,000 | 4,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,199 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $186,000 | 431 |
| Net operating income | $349,420 | 4,681 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,896,000 | 3,325 |
| Total interest expense | $725,000 | 4,795 |
| Net interest income | $2,171,000 | 2,514 |
| Provision for loan and lease losses | $199,000 | 1,839 |
| Total noninterest income | $72,000 | 6,065 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $11,000 | 6,800 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $61,000 | 4,665 |
| Total noninterest expense | $2,118,000 | 2,254 |
| Salaries and employee benefits | $1,129,000 | 2,323 |
| Premises and equipment expense | $246,000 | 2,694 |
| Additional noninterest expense | $743,000 | 1,896 |
| Pre-tax net operating income | $-74,000 | 7,482 |
| Securities gains (losses) | $69,000 | 913 |
| Applicable income taxes | $-29,000 | 7,945 |
| Income before extraordinary items | $24,000 | 6,962 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $24,000 | 6,963 |
| 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 | $207,000 | 207 |
| Net operating income | $-20,160 | 7,326 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,048,000 | 3,276 |
| Total interest expense | $3,715,000 | 4,197 |
| Net interest income | $8,333,000 | 2,630 |
| Provision for loan and lease losses | $305,000 | 3,154 |
| Total noninterest income | $719,000 | 4,231 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $34,000 | 6,968 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $685,000 | 2,792 |
| Total noninterest expense | $8,177,000 | 2,236 |
| Salaries and employee benefits | $4,441,000 | 2,263 |
| Premises and equipment expense | $965,000 | 2,652 |
| Additional noninterest expense | $2,771,000 | 1,990 |
| Pre-tax net operating income | $570,000 | 5,766 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-479,000 | 8,306 |
| Income before extraordinary items | $1,049,000 | 4,203 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,049,000 | 4,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,854 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $669,000 | 488 |
| Net operating income | $1,049,000 | 4,191 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,748,000 | 3,371 |
| Total interest expense | $2,646,000 | 4,334 |
| Net interest income | $6,102,000 | 2,694 |
| Provision for loan and lease losses | $245,000 | 2,643 |
| Total noninterest income | $364,000 | 5,114 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $24,000 | 7,029 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $340,000 | 3,514 |
| Total noninterest expense | $5,878,000 | 2,311 |
| Salaries and employee benefits | $3,175,000 | 2,374 |
| Premises and equipment expense | $723,000 | 2,644 |
| Additional noninterest expense | $1,980,000 | 2,028 |
| Pre-tax net operating income | $343,000 | 6,391 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-359,000 | 8,399 |
| Income before extraordinary items | $702,000 | 4,658 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $702,000 | 4,657 |
| 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 | $531,000 | 396 |
| Net operating income | $702,000 | 4,647 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,640,000 | 3,472 |
| Total interest expense | $1,692,000 | 4,432 |
| Net interest income | $3,948,000 | 2,783 |
| Provision for loan and lease losses | $165,000 | 2,459 |
| Total noninterest income | $233,000 | 5,255 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $16,000 | 7,071 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $217,000 | 3,630 |
| Total noninterest expense | $3,847,000 | 2,372 |
| Salaries and employee benefits | $2,144,000 | 2,377 |
| Premises and equipment expense | $464,000 | 2,741 |
| Additional noninterest expense | $1,239,000 | 2,157 |
| Pre-tax net operating income | $169,000 | 6,826 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-239,000 | 8,478 |
| Income before extraordinary items | $408,000 | 5,024 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $408,000 | 5,024 |
| 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 | $381,000 | 336 |
| Net operating income | $408,000 | 5,016 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,748,000 | 3,528 |
| Total interest expense | $881,000 | 4,329 |
| Net interest income | $1,867,000 | 2,942 |
| Provision for loan and lease losses | $55,000 | 2,982 |
| Total noninterest income | $138,000 | 4,817 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $8,000 | 7,097 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $130,000 | 3,266 |
| Total noninterest expense | $1,855,000 | 2,462 |
| Salaries and employee benefits | $1,080,000 | 2,377 |
| Premises and equipment expense | $218,000 | 2,906 |
| Additional noninterest expense | $557,000 | 2,367 |
| Pre-tax net operating income | $95,000 | 6,727 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-119,000 | 8,525 |
| Income before extraordinary items | $214,000 | 4,904 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $214,000 | 4,905 |
| 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 | $201,000 | 242 |
| Net operating income | $214,000 | 4,885 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,179,000 | 3,807 |
| Total interest expense | $2,986,000 | 4,331 |
| Net interest income | $6,193,000 | 3,441 |
| Provision for loan and lease losses | $439,000 | 2,123 |
| Total noninterest income | $572,000 | 4,844 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $28,000 | 7,181 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $544,000 | 3,194 |
| Total noninterest expense | $6,121,000 | 2,831 |
| Salaries and employee benefits | $3,603,000 | 2,680 |
| Premises and equipment expense | $598,000 | 3,777 |
| Additional noninterest expense | $1,920,000 | 2,668 |
| Pre-tax net operating income | $205,000 | 7,389 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-479,000 | 8,565 |
| Income before extraordinary items | $684,000 | 5,562 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $684,000 | 5,564 |
| 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 | $1,174,000 | 470 |
| Net operating income | $684,000 | 5,549 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,454,000 | 3,969 |
| Total interest expense | $2,043,000 | 4,487 |
| Net interest income | $4,411,000 | 3,590 |
| Provision for loan and lease losses | $364,000 | 1,840 |
| Total noninterest income | $294,000 | 5,667 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $21,000 | 7,256 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $273,000 | 3,916 |
| Total noninterest expense | $4,474,000 | 2,877 |
| Salaries and employee benefits | $2,628,000 | 2,732 |
| Premises and equipment expense | $445,000 | 3,809 |
| Additional noninterest expense | $1,401,000 | 2,718 |
| Pre-tax net operating income | $-133,000 | 8,253 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $-134,000 | 8,278 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-134,000 | 8,280 |
| 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 | $684,000 | 418 |
| Net operating income | $-134,000 | 8,267 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,950,000 | 4,169 |
| Total interest expense | $1,170,000 | 4,797 |
| Net interest income | $2,780,000 | 3,755 |
| Provision for loan and lease losses | $267,000 | 1,670 |
| Total noninterest income | $110,000 | 6,811 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $12,000 | 7,358 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $98,000 | 5,173 |
| Total noninterest expense | $2,888,000 | 2,979 |
| Salaries and employee benefits | $1,683,000 | 2,817 |
| Premises and equipment expense | $293,000 | 3,837 |
| Additional noninterest expense | $912,000 | 2,789 |
| Pre-tax net operating income | $-265,000 | 8,455 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $-266,000 | 8,476 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-266,000 | 8,476 |
| 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 | $442,000 | 347 |
| Net operating income | $-266,000 | 8,474 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,845,000 | 4,311 |
| Total interest expense | $492,000 | 5,158 |
| Net interest income | $1,353,000 | 3,832 |
| Provision for loan and lease losses | $180,000 | 1,225 |
| Total noninterest income | $21,000 | 8,014 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $5,000 | 7,423 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,000 |
| Total noninterest expense | $1,324,000 | 3,208 |
| Salaries and employee benefits | $784,000 | 3,034 |
| Premises and equipment expense | $147,000 | 3,848 |
| Additional noninterest expense | $393,000 | 3,181 |
| Pre-tax net operating income | $-130,000 | 8,479 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-130,000 | 8,497 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-130,000 | 8,496 |
| 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 | $113,000 | 302 |
| Net operating income | $-130,000 | 8,482 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,631,000 | 5,397 |
| Total interest expense | $1,050,000 | 6,162 |
| Net interest income | $3,581,000 | 4,951 |
| Provision for loan and lease losses | $476,000 | 1,983 |
| Total noninterest income | $62,000 | 8,329 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $33,000 | 7,319 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $29,000 | 7,878 |
| Total noninterest expense | $3,929,000 | 3,913 |
| Salaries and employee benefits | $2,257,000 | 3,779 |
| Premises and equipment expense | $542,000 | 3,947 |
| Additional noninterest expense | $1,130,000 | 4,043 |
| Pre-tax net operating income | $-762,000 | 8,576 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $-763,000 | 8,612 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-763,000 | 8,612 |
| 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 | $17,584,000 | 89 |
| Net operating income | $-763,000 | 8,593 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,017,000 | 5,777 |
| Total interest expense | $657,000 | 6,516 |
| Net interest income | $2,360,000 | 5,365 |
| Provision for loan and lease losses | $360,000 | 1,866 |
| Total noninterest income | $34,000 | 8,503 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $17,000 | 7,491 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,000 | 8,089 |
| Total noninterest expense | $2,846,000 | 3,993 |
| Salaries and employee benefits | $1,634,000 | 3,854 |
| Premises and equipment expense | $404,000 | 3,940 |
| Additional noninterest expense | $808,000 | 4,152 |
| Pre-tax net operating income | $-812,000 | 8,685 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $-813,000 | 8,715 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-813,000 | 8,715 |
| 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 | $17,584,000 | 68 |
| Net operating income | $-813,000 | 8,694 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,589,000 | 6,393 |
| Total interest expense | $312,000 | 7,113 |
| Net interest income | $1,277,000 | 5,994 |
| Provision for loan and lease losses | $163,000 | 2,500 |
| Total noninterest income | $21,000 | 8,532 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $11,000 | 7,506 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,000 | 8,146 |
| Total noninterest expense | $1,801,000 | 4,142 |
| Salaries and employee benefits | $999,000 | 4,084 |
| Premises and equipment expense | $266,000 | 3,955 |
| Additional noninterest expense | $536,000 | 4,132 |
| Pre-tax net operating income | $-666,000 | 8,721 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 6,848 |
| Income before extraordinary items | $-667,000 | 8,747 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-667,000 | 8,747 |
| 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 | $2,732,000 | 180 |
| Net operating income | $-667,000 | 8,724 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $685,000 | 6,799 |
| Total interest expense | $120,000 | 7,561 |
| Net interest income | $565,000 | 6,383 |
| Provision for loan and lease losses | $79,000 | 2,431 |
| Total noninterest income | $12,000 | 8,547 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $5,000 | 7,590 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 8,020 |
| Total noninterest expense | $868,000 | 4,277 |
| Salaries and employee benefits | $487,000 | 4,172 |
| Premises and equipment expense | $128,000 | 4,125 |
| Additional noninterest expense | $253,000 | 4,329 |
| Pre-tax net operating income | $-370,000 | 8,814 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $-371,000 | 8,830 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-371,000 | 8,830 |
| 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 | $133,000 | 243 |
| Net operating income | $-371,000 | 8,815 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,087,000 | 8,329 |
| Total interest expense | $217,000 | 8,407 |
| Net interest income | $870,000 | 8,214 |
| Provision for loan and lease losses | $310,000 | 2,840 |
| Total noninterest income | $21,000 | 8,771 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $7,000 | 7,808 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $14,000 | 8,404 |
| Total noninterest expense | $3,324,000 | 4,342 |
| Salaries and employee benefits | $1,781,000 | 4,373 |
| Premises and equipment expense | $463,000 | 4,324 |
| Additional noninterest expense | $1,080,000 | 4,077 |
| Pre-tax net operating income | $-2,743,000 | 8,924 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $1,000 | 7,085 |
| Income before extraordinary items | $-2,739,000 | 8,938 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,739,000 | 8,939 |
| 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 | $93,000 | 668 |
| Net operating income | $-2,744,000 | 8,926 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $559,000 | 8,661 |
| Total interest expense | $108,000 | 8,685 |
| Net interest income | $451,000 | 8,594 |
| Provision for loan and lease losses | $195,000 | 3,028 |
| Total noninterest income | $15,000 | 8,846 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $4,000 | 7,866 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 8,414 |
| Total noninterest expense | $2,448,000 | 4,372 |
| Salaries and employee benefits | $1,335,000 | 4,338 |
| Premises and equipment expense | $328,000 | 4,493 |
| Additional noninterest expense | $785,000 | 4,142 |
| Pre-tax net operating income | $-2,177,000 | 8,976 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $2,000 | 7,080 |
| Income before extraordinary items | $-2,174,000 | 8,984 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-2,174,000 | 8,985 |
| 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 | $-2,179,000 | 8,976 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $196,000 | 8,935 |
| Total interest expense | $33,000 | 8,920 |
| Net interest income | $163,000 | 8,911 |
| Provision for loan and lease losses | $105,000 | 3,376 |
| Total noninterest income | $6,000 | 8,946 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,000 | 7,953 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,000 | 8,618 |
| Total noninterest expense | $1,668,000 | 4,330 |
| Salaries and employee benefits | $899,000 | 4,324 |
| Premises and equipment expense | $211,000 | 4,611 |
| Additional noninterest expense | $558,000 | 3,967 |
| Pre-tax net operating income | $-1,604,000 | 9,033 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $-1,606,000 | 9,041 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,606,000 | 9,042 |
| 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 | $-1,606,000 | 9,027 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $51,000 | 9,044 |
| Total interest expense | $7,000 | 9,025 |
| Net interest income | $44,000 | 9,031 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $3,000 | 8,980 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $848,000 | 4,296 |
| Salaries and employee benefits | $489,000 | 4,082 |
| Premises and equipment expense | $93,000 | 5,051 |
| Additional noninterest expense | $266,000 | 4,111 |
| Pre-tax net operating income | $-831,000 | 9,076 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $-833,000 | 9,087 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-833,000 | 9,087 |
| 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 | $-833,000 | 9,072 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $33,000 | 9,156 |
| Total interest expense | $9,000 | 9,106 |
| Net interest income | $24,000 | 9,152 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $0 | 9,134 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $1,302,000 | 7,261 |
| Salaries and employee benefits | $635,000 | 7,559 |
| Premises and equipment expense | $32,000 | 8,986 |
| Additional noninterest expense | $635,000 | 5,801 |
| Pre-tax net operating income | $-1,278,000 | 9,017 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-1,278,000 | 9,069 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,278,000 | 9,070 |
| 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 | $11,943,000 | 65 |
| Net operating income | $-1,278,000 | 9,027 |
* 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.